COMMERCIAL GENERAL LIABILITY CG 21 46 07 98

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ABUSE OR MOLESTATION EXCLUSION

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

The following exclusion is added to Paragraph 2.,Exclusions of Section I – Coverage A – BodilyInjury And Property Damage Liability and Para-graph 2., Exclusions of Section I – Coverage B –Personal And Advertising Injury Liability:

This insurance does not apply to "bodily injury","property damage" or "personal and advertisinginjury" arising out of:

1. The actual or threatened abuse or molestation byanyone of any person while in the care, custodyor control of any insured, or

2. The negligent:

a. Employment;

b. Investigation;
c. Supervision;
d. Reporting to the proper authorities, or failure

to so report; ore. Retention;

of a person for whom any insured is or ever waslegally responsible and whose conduct would beexcluded by Paragraph 1. above.

CG 21 46 07 98 Copyright, Insurance Services Office, Inc., 1997 Page 1 of 1 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION – ASSAULT, BATTERY OR OTHERPHYSICAL ALTERCATION

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

  1. Paragraph D. of this endorsement replacesexclusion a. of 2. Exclusions in Section I -Coverage A - Bodily Injury and PropertyDamage under the Commercial General LiabilityCoverage Form.
  2. Paragraph E. of this endorsement is added to 2.Exclusions of Section I - Coverage B -Personal and Advertising Injury Liability underthe Commercial General Liability Coverage Form.
  3. When the Miscellaneous Professional LiabilityCoverage endorsement is attached, Paragraph F.of this endorsement is added to Paragraph 2.Exclusions under the MiscellaneousProfessional Liability Coverage endorsement.
  4. This insurance does not apply to:a.Assault, Battery Or Other Physical Altercation "Bodily injury" or "property damage": (1)  Expected or intended from the standpointof any insured. (2)  Arising in whole or in part out of any“assault” or “battery” committed orattempted by any person. (3)  Arising in whole or in part out of any act oromission in connection with avoiding,preventing, suppressing or halting anyactual or threatened “assault” or “battery.” (4)  Arising in whole or in part out of any actualor threatened verbal or physicalconfrontation or altercation committed oract or omission in connection with avoiding,preventing, suppressing or halting anyactual or threatened verbal or physicalconfrontation or altercation.
  5. This insurance does not apply to:z.Assault, Battery Or Other Physical Altercation “Personal and advertising injury”: (1) Expected or intended from the standpointof any insured.

  1. (2)  Arising in whole or in part out of any“assault” or “battery” committed orattempted by any person.
  2. (3)  Arising in whole or in part out of any act oromission in connection with avoiding,preventing, suppressing or halting anyactual or threatened “assault” or “battery.”
  3. (4)  Arising in whole or in part out of any actualor threatened verbal or physicalconfrontation or altercation committed oract or omission in connection with avoiding,preventing, suppressing or halting anyactual or threatened verbal or physicalconfrontation or altercation.

F. Thisinsurancedoesnotapplyto:

Assault, Battery Or Other Physical Altercation

Any “damages” arising out of any actual, allegedor threatened “assault” or “battery”.

G. The exclusions added in paragraphs D, E and Fof this endorsement apply to all acts oromissions, including any act or omission inresponding to or failing to respond or render aid,medical or otherwise, to any victim of the “assault”or “battery” or physical confrontation oraltercation, and all theories of liability (direct orvicarious) asserted against any insured, includingbut not limited to all theories of negligence, grossnegligence, recklessness or intentional tort andshall not be subject to any severability orseparation of insureds provision in the policy.

H. The following are added to the DefinitionsSection of this policy:

“Assault” means any attempt or threat to inflictinjury upon the person of another, or any displayof force such as would give a person reason tofear or expect immediate bodily harm.

“Battery” means physical contact with a personwithout his or her consent that entails some injuryor offensive touching.

BG-G-042 12 11 Includes copyrighted material of Page 1 of 1ISO Properties, Inc., with its permission.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

AUTOMATIC ADDITIONAL INSUREDS BY WRITTEN CONTRACT,WRITTEN AGREEMENT OR PERMIT

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

  1. Section II - Who Is An Insured is amended toinclude as an additional insured any person(s)or organization(s) with whom you agreed,because of a written contract, writtenagreement or permit, to provide insurancesuch as is afforded under this Coverage Part,but only: With respect to liability for “bodily injury”,“property damage” or “personal andadvertising injury” caused by "your work" ormaintenance, operation or use of facilitiesowned or used by you; and When such written contract, written agree-ment or permit is fully executed prior to an"occurrence" in which coverage is soughtunder this policy.
  2. With respect to the insurance afforded theseadditional insureds, the following additionalexclusions apply: This insurance does not apply: To any person or organization included asan insured by an endorsement issued byus and made part of this Coverage Part. To any lessor of equipment if: The "occurrence" takes place after the equipment lease expires; or The "bodily injury", "property damage"or "personal and advertising injury"arises out of the sole negligence of thelessor.

3. To any engineer, architect or surveyor ifthe "bodily injury", "property damage" or"personal and advertising injury" arises outof the rendering of or the failure to renderany professional services by or for you,including:

a. The preparing, approving, or failing toprepare or approve maps, drawings,opinions, reports, surveys, changeorders, designs or specifications; or

b. Supervisory, inspection or engineeringservices.

4. To any:
a. Owners or other interests from whom

land has been leased; or
b. Managers or lessors of premises if:

(1) The "occurrence" takes place afteryou cease to be a tenant in thatpremises; or

(2) The "bodily injury", "propertydamage" or "personal andadvertising injury" arises out ofstructural alterations, newconstruction or demolitionoperations performed by or onbehalf of the manager or lessor.

5. To any person or organization included asan insured under Paragraph 3. of SectionII - Who Is An Insured.

GSG-G-010 08 09 Includes copyrighted material of Page 1 of 1ISO Properties, Inc., with its permission.

COMMERCIAL GENERAL LIABILITYCG 00 01 12 07

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

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

Throughout this policy the words "you" and "your"refer to the Named Insured shown in the Declarations,and any other person or organization qualifying as aNamed Insured under this policy. The words "we","us" and "our" refer to the company providing thisinsurance.

The word "insured" means any person or organizationqualifying as such under Section II – Who Is An In-sured.

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

SECTION I – COVERAGES

COVERAGE A BODILY INJURY AND PROPERTYDAMAGE LIABILITY

1. Insuring Agreement

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

  1. (1)  The amount we will pay for damages islimited as described in Section III – LimitsOf Insurance; and
  2. (2)  Our right and duty to defend ends when wehave used up the applicable limit of insur-ance in the payment of judgments or set-tlements under Coverages A or B or medi-cal expenses under Coverage C.

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

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

  1. (1)  The "bodily injury" or "property damage" iscaused by an "occurrence" that takes placein the "coverage territory";
  2. (2)  The "bodily injury" or "property damage"occurs during the policy period; and
  3. (3)  Prior to the policy period, no insured listedunder Paragraph 1. of Section II – Who IsAn Insured and no "employee" authorizedby you to give or receive notice of an "oc-currence" or claim, knew that the "bodily in-jury" or "property damage" had occurred, inwhole or in part. If such a listed insured orauthorized "employee" knew, prior to thepolicy period, that the "bodily injury" or"property damage" occurred, then any con-tinuation, change or resumption of such"bodily injury" or "property damage" duringor after the policy period will be deemed tohave been known prior to the policy period.

c. "Bodily injury" or "property damage" whichoccurs during the policy period and was not,prior to the policy period, known to have oc-curred by any insured listed under Paragraph1. of Section II – Who Is An Insured or any"employee" authorized by you to give or re-ceive notice of an "occurrence" or claim, in-cludes any continuation, change or resumptionof that "bodily injury" or "property damage" af-ter the end of the policy period.

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

  1. (1)  Reports all, or any part, of the "bodily injury"or "property damage" to us or any other in-surer;
  2. (2)  Receives a written or verbal demand orclaim for damages because of the "bodilyinjury" or "property damage"; or
  3. (3)  Becomes aware by any other means that"bodily injury" or "property damage" has oc-curred or has begun to occur.

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

e. Damages because of "bodily injury" includedamages claimed by any person or organiza-tion for care, loss of services or death resultingat any time from the "bodily injury".

2. Exclusions

This insurance does not apply to:

a. Expected Or Intended Injury

"Bodily injury" or "property damage" expectedor intended from the standpoint of the insured.This exclusion does not apply to "bodily injury"resulting from the use of reasonable force toprotect persons or property.

b. ContractualLiability

"Bodily injury" or "property damage" for whichthe insured is obligated to pay damages byreason of the assumption of liability in a con-tract or agreement. This exclusion does notapply to liability for damages:

  1. (1)  That the insured would have in the absenceof the contract or agreement; or
  2. (2)  Assumed in a contract or agreement that isan "insured contract", provided the "bodilyinjury" or "property damage" occurs subse-quent to the execution of the contract oragreement. Solely for the purposes of lia-bility assumed in an "insured contract", rea-sonable attorney fees and necessary litiga-tion expenses incurred by or for a partyother than an insured are deemed to bedamages because of "bodily injury" or"property damage", provided:

c. Liquor Liability

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

(1) Causing or contributing to the intoxication ofany person;

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

(3) Any statute, ordinance or regulation relatingto the sale, gift, distribution or use of alco-holic beverages.

This exclusion applies only if you are in thebusiness of manufacturing, distributing, selling,serving or furnishing alcoholic beverages.

d. Workers' Compensation And Similar Laws

Any obligation of the insured under a workers'compensation, disability benefits or unem-ployment compensation law or any similar law.

e. Employer's Liability

"Bodily injury" to:

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

(a) Employment by the insured; or
(b) Performing duties related to the conduct

of the insured's business; or

(2) The spouse, child, parent, brother or sisterof that "employee" as a consequence of Pa-ragraph (1) above.

This exclusion applies whether the insuredmay be liable as an employer or in any othercapacity and to any obligation to share damag-es with or repay someone else who must paydamages because of the injury.

This exclusion does not apply to liability as-sumed by the insured under an "insured con-tract".

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© ISO Properties, Inc., 2006

CG 00 01 12 07 

(a)

(b)

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

Such attorney fees and litigation ex-penses are for defense of that partyagainst a civil or alternative dispute res-olution proceeding in which damages towhich this insurance applies are alleged.

f. Pollution

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

(a) At or from any premises, site or locationwhich is or was at any time owned oroccupied by, or rented or loaned to, anyinsured. However, this subparagraphdoes not apply to:

  1. (i)  "Bodily injury" if sustained within abuilding and caused by smoke,fumes, vapor or soot produced by ororiginating from equipment that isused to heat, cool or dehumidify thebuilding, or equipment that is used toheat water for personal use, by thebuilding's occupants or their guests;
  2. (ii)  "Bodily injury" or "property damage"for which you may be held liable, ifyou are a contractor and the owneror lessee of such premises, site orlocation has been added to your pol-icy as an additional insured with re-spect to your ongoing operationsperformed for that additional insuredat that premises, site or location andsuch premises, site or location is notand never was owned or occupiedby, or rented or loaned to, any in-sured, other than that additional in-sured; or
  3. (iii)  "Bodily injury" or "property damage"arising out of heat, smoke or fumesfrom a "hostile fire";

  1. (b)  At or from any premises, site or locationwhich is or was at any time used by orfor any insured or others for the han-dling, storage, disposal, processing ortreatment of waste;
  2. (c)  Which are or were at any time trans-ported, handled, stored, treated, dis-posed of, or processed as waste by orfor: (i)(ii)

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

  1. (i)  "Bodily injury" or "property damage"arising out of the escape of fuels, lu-bricants or other operating fluidswhich are needed to perform thenormal electrical, hydraulic or me-chanical functions necessary for theoperation of "mobile equipment" orits parts, if such fuels, lubricants orother operating fluids escape from avehicle part designed to hold, storeor receive them. This exception doesnot apply if the "bodily injury" or"property damage" arises out of theintentional discharge, dispersal or re-lease of the fuels, lubricants or otheroperating fluids, or if such fuels, lu-bricants or other operating fluids arebrought on or to the premises, site orlocation with the intent that they bedischarged, dispersed or released aspart of the operations being per-formed by such insured, contractoror subcontractor;
  2. (ii)  "Bodily injury" or "property damage"sustained within a building andcaused by the release of gases,fumes or vapors from materialsbrought into that building in connec-tion with operations being performedby you or on your behalf by a con-tractor or subcontractor; or
  3. (iii)  "Bodily injury" or "property damage"arising out of heat, smoke or fumesfrom a "hostile fire".

CG 00 01 12 07

© ISO Properties, Inc., 2006

Page 3 of 16 

Any insured; or

Any person or organization for whomyou may be legally responsible; or

(e)

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

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

  1. (a)  Request, demand, order or statutory orregulatory requirement that any insuredor others test for, monitor, clean up, re-move, contain, treat, detoxify or neutral-ize, or in any way respond to, or assessthe effects of, "pollutants"; or
  2. (b)  Claim or "suit" by or on behalf of a go-vernmental authority for damages be-cause of testing for, monitoring, cleaningup, removing, containing, treating, de-toxifying or neutralizing, or in any wayresponding to, or assessing the effectsof, "pollutants".

However, this paragraph does not apply toliability for damages because of "propertydamage" that the insured would have in theabsence of such request, demand, order orstatutory or regulatory requirement, or suchclaim or "suit" by or on behalf of a govern-mental authority.

g. Aircraft, Auto Or Watercraft

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

This exclusion applies even if the claimsagainst any insured allege negligence or otherwrongdoing in the supervision, hiring, employ-ment, training or monitoring of others by thatinsured, if the "occurrence" which caused the"bodily injury" or "property damage" involvedthe ownership, maintenance, use or entrust-ment to others of any aircraft, "auto" or water-craft that is owned or operated by or rented orloaned to any insured.

This exclusion does not apply to:

  1. (1)  A watercraft while ashore on premises youown or rent;
  2. (2)  A watercraft you do not own that is: (a)  Less than 26 feet long; and (b)  Not being used to carry persons orproperty for a charge;
  3. (3)  Parking an "auto" on, or on the ways nextto, premises you own or rent, provided the"auto" is not owned by or rented or loanedto you or the insured;
  4. (4)  Liability assumed under any "insured con-tract" for the ownership, maintenance oruse of aircraft or watercraft; or

(5) "Bodily injury" or "property damage" arisingout of:

(a) The operation of machinery or equip-ment that is attached to, or part of, aland vehicle that would qualify under thedefinition of "mobile equipment" if it werenot subject to a compulsory or financialresponsibility law or other motor vehicleinsurance law in the state where it is li-censed or principally garaged; or

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

h. Mobile Equipment

"Bodily injury" or "property damage" arising outof:

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

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

i. War

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

  1. (1)  War, including undeclared or civil war;
  2. (2)  Warlike action by a military force, includingaction in hindering or defending against anactual or expected attack, by any govern-ment, sovereign or other authority usingmilitary personnel or other agents; or
  3. (3)  Insurrection, rebellion, revolution, usurpedpower, or action taken by governmental au-thority in hindering or defending against anyof these.

j. Damage To Property

"Property damage" to:

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

(2) Premises you sell, give away or abandon, ifthe "property damage" arises out of anypart of those premises;

(3) Property loaned to you;
(4) Personal property in the care, custody or

control of the insured;

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  1. (5)  That particular part of real property onwhich you or any contractors or subcontrac-tors working directly or indirectly on yourbehalf are performing operations, if the"property damage" arises out of those op-erations; or
  2. (6)  That particular part of any property thatmust be restored, repaired or replaced be-cause "your work" was incorrectly per-formed on it.

Paragraphs (1), (3) and (4) of this exclusion donot apply to "property damage" (other thandamage by fire) to premises, including the con-tents of such premises, rented to you for a pe-riod of 7 or fewer consecutive days. A separatelimit of insurance applies to Damage To Pre-mises Rented To You as described in SectionIII – Limits Of Insurance.

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

Paragraphs (3), (4), (5) and (6) of this exclu-sion do not apply to liability assumed under asidetrack agreement.

Paragraph (6) of this exclusion does not applyto "property damage" included in the "products-completed operations hazard".

k. Damage To Your Product

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

l. Damage To Your Work

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

This exclusion does not apply if the damagedwork or the work out of which the damage aris-es was performed on your behalf by a subcon-tractor.

m. DamageToImpairedPropertyOrPropertyNot Physically Injured

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

  1. (1)  A defect, deficiency, inadequacy or danger-ous condition in "your product" or "yourwork"; or
  2. (2)  A delay or failure by you or anyone actingon your behalf to perform a contract oragreement in accordance with its terms.

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

n. Recall Of Products, Work Or ImpairedProperty

Damages claimed for any loss, cost or ex-pense incurred by you or others for the loss ofuse, withdrawal, recall, inspection, repair, re-placement, adjustment, removal or disposal of:

(1) "Your product";
(2) "Your work"; or
(3) "Impaired property";

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

o. Personal And Advertising Injury

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

p. ElectronicData

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

As used in this exclusion, electronic datameans information, facts or programs stored asor on, created or used on, or transmitted to orfrom computer software, including systems andapplications software, hard or floppy disks, CD-ROMS, tapes, drives, cells, data processingdevices or any other media which are usedwith electronically controlled equipment.

q. Distribution Of Material In Violation OfStatutes

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

  1. (1)  The Telephone Consumer Protection Act(TCPA), including any amendment of oraddition to such law; or
  2. (2)  The CAN-SPAM Act of 2003, including anyamendment of or addition to such law; or
  3. (3)  Any statute, ordinance or regulation, otherthan the TCPA or CAN-SPAM Act of 2003,that prohibits or limits the sending, transmit-ting, communicating or distribution of ma-terial or information.

CG 00 01 12 07 © ISO Properties, Inc., 2006 Page 5 of 16 

Exclusions c. through n. do not apply to damageby fire to premises while rented to you or tempora-rily occupied by you with permission of the owner.A separate limit of insurance applies to this cover-age as described in Section III – Limits Of Insur-ance.

COVERAGE B PERSONAL AND ADVERTISINGINJURY LIABILITY

1. Insuring Agreement

  1. We will pay those sums that the insured be-comes legally obligated to pay as damagesbecause of "personal and advertising injury" towhich this insurance applies. We will have theright and duty to defend the insured againstany "suit" seeking those damages. However,we will have no duty to defend the insuredagainst any "suit" seeking damages for "per-sonal and advertising injury" to which this in-surance does not apply. We may, at our discre-tion, investigate any offense and settle anyclaim or "suit" that may result. But: (1)  The amount we will pay for damages islimited as described in Section III – LimitsOf Insurance; and (2)  Our right and duty to defend end when wehave used up the applicable limit of insur-ance in the payment of judgments or set-tlements under Coverages A or B or medi-cal expenses under Coverage C. No other obligation or liability to pay sums orperform acts or services is covered unless ex-plicitly provided for under Supplementary Pay-ments – Coverages A and B.
  2. This insurance applies to "personal and adver-tising injury" caused by an offense arising outof your business but only if the offense wascommitted in the "coverage territory" during thepolicy period.

2. Exclusions

This insurance does not apply to:

  1. Knowing Violation Of Rights Of Another "Personal and advertising injury" caused by orat the direction of the insured with the know-ledge that the act would violate the rights ofanother and would inflict "personal and adver-tising injury".
  2. Material Published With Knowledge OfFalsity "Personal and advertising injury" arising out oforal or written publication of material, if done byor at the direction of the insured with know-ledge of its falsity.

c. Material Published Prior To Policy Period

"Personal and advertising injury" arising out oforal or written publication of material whosefirst publication took place before the beginningof the policy period.

d. Criminal Acts

"Personal and advertising injury" arising out ofa criminal act committed by or at the directionof the insured.

e. ContractualLiability

"Personal and advertising injury" for which theinsured has assumed liability in a contract oragreement. This exclusion does not apply toliability for damages that the insured wouldhave in the absence of the contract or agree-ment.

f. Breach Of Contract

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

g. QualityOrPerformanceOfGoods–FailureTo Conform To Statements

"Personal and advertising injury" arising out ofthe failure of goods, products or services toconform with any statement of quality or per-formance made in your "advertisement".

h. Wrong Description Of Prices

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

i. Infringement Of Copyright, Patent,Trademark Or Trade Secret

"Personal and advertising injury" arising out ofthe infringement of copyright, patent, trade-mark, trade secret or other intellectual propertyrights. Under this exclusion, such other intellec-tual property rights do not include the use ofanother's advertising idea in your "advertise-ment".

However, this exclusion does not apply to in-fringement, in your "advertisement", of copy-right, trade dress or slogan.

j. Insureds In Media And Internet TypeBusinesses

"Personal and advertising injury" committed byan insured whose business is:

(1) Advertising, broadcasting, publishing ortelecasting;

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

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k.

l.

m.

n.

(3) An Internet search, access, content orservice provider.

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

For the purposes of this exclusion, the placingof frames, borders or links, or advertising, foryou or others anywhere on the Internet, is notby itself, considered the business of advertis-ing, broadcasting, publishing or telecasting.

Electronic Chatrooms Or Bulletin Boards

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

Unauthorized Use Of Another's Name OrProduct

"Personal and advertising injury" arising out ofthe unauthorized use of another's name orproduct in your e-mail address, domain nameor metatag, or any other similar tactics to mis-lead another's potential customers.

Pollution

"Personal and advertising injury" arising out ofthe actual, alleged or threatened discharge,dispersal, seepage, migration, release or es-cape of "pollutants" at any time.

Pollution-Related

Any loss, cost or expense arising out of any:

  1. (1)  Request, demand, order or statutory orregulatory requirement that any insured orothers test for, monitor, clean up, remove,contain, treat, detoxify or neutralize, or inany way respond to, or assess the effectsof, "pollutants"; or
  2. (2)  Claim or suit by or on behalf of a govern-mental authority for damages because oftesting for, monitoring, cleaning up, remov-ing, containing, treating, detoxifying or neu-tralizing, or in any way responding to, orassessing the effects of, "pollutants".

War

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

  1. (1)  War, including undeclared or civil war;
  2. (2)  Warlike action by a military force, includingaction in hindering or defending against anactual or expected attack, by any govern-ment, sovereign or other authority usingmilitary personnel or other agents; or

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

p. Distribution Of Material In Violation OfStatutes

"Personal and advertising injury" arising direct-ly or indirectly out of any action or omissionthat violates or is alleged to violate:

  1. (1)  The Telephone Consumer Protection Act(TCPA), including any amendment of oraddition to such law; or
  2. (2)  The CAN-SPAM Act of 2003, including anyamendment of or addition to such law; or
  3. (3)  Any statute, ordinance or regulation, otherthan the TCPA or CAN-SPAM Act of 2003,that prohibits or limits the sending, transmit-ting, communicating or distribution of ma-terial or information.

COVERAGE C MEDICAL PAYMENTS1. Insuring Agreement

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

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

provided that:

  1. (a)  The accident takes place in the "cover-age territory" and during the policy pe-riod;
  2. (b)  The expenses are incurred and reportedto us within one year of the date of theaccident; and
  3. (c)  The injured person submits to examina-tion, at our expense, by physicians ofour choice as often as we reasonablyrequire.

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

  1. (1)  First aid administered at the time of anaccident;
  2. (2)  Necessary medical, surgical, x-ray anddental services, including prosthetic devic-es; and
  3. (3)  Necessary ambulance, hospital, profes-sional nursing and funeral services.

o.

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2. Exclusions

We will not pay expenses for "bodily injury":

  1. AnyInsured To any insured, except "volunteer workers".
  2. Hired Person To a person hired to do work for or on behalf ofany insured or a tenant of any insured.
  3. InjuryOnNormallyOccupiedPremises To a person injured on that part of premisesyou own or rent that the person normally occu-pies.
  4. Workers Compensation And Similar Laws To a person, whether or not an "employee" ofany insured, if benefits for the "bodily injury"are payable or must be provided under a work-ers' compensation or disability benefits law or asimilar law.
  5. AthleticsActivities To a person injured while practicing, instructingor participating in any physical exercises orgames, sports, or athletic contests.
  6. Products-Completed Operations Hazard Included within the "products-completed opera-tions hazard".
  7. Coverage A ExclusionsExcluded under Coverage A.

SUPPLEMENTARY PAYMENTS – COVERAGES AAND B

1. 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 requiredbecause of accidents or traffic law violationsarising out of the use of any vehicle to whichthe Bodily Injury Liability Coverage applies. Wedo 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 investi-gation or defense of the claim or "suit", includ-ing actual loss of earnings up to $250 a daybecause of time off from work.
  5. All court costs taxed against the insured in the"suit". However, these payments do not includeattorneys' fees or attorneys' expenses taxedagainst the insured.

2.

  1. Prejudgment interest awarded against theinsured on that part of the judgment we pay. Ifwe make an offer to pay the applicable limit ofinsurance, we will not pay any prejudgment in-terest based on that period of time after the of-fer.
  2. All interest on the full amount of any judgmentthat accrues after entry of the judgment andbefore we have paid, offered to pay, or depo-sited in court the part of the judgment that iswithin the applicable limit of insurance.

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

If we defend an insured against a "suit" and anindemnitee of the insured is also named as a partyto the "suit", we will defend that indemnitee if all ofthe following conditions are met:

  1. The "suit" against the indemnitee seeks dam-ages for which the insured has assumed theliability of the indemnitee in a contract oragreement that is an "insured contract";
  2. This insurance applies to such liability as-sumed by the insured;
  3. The obligation to defend, or the cost of thedefense of, that indemnitee, has also been as-sumed by the insured in the same "insuredcontract";
  4. The allegations in the "suit" and the informationwe know about the "occurrence" are such thatno conflict appears to exist between the inter-ests of the insured and the interests of the in-demnitee;
  5. The indemnitee and the insured ask us toconduct and control the defense of that indem-nitee against such "suit" and agree that we canassign the same counsel to defend the insuredand the indemnitee; and
  6. The indemnitee:(1) Agrees in writing to: (a)  Cooperate with us in the investigation,settlement or defense of the "suit"; (b)  Immediately send us copies of anydemands, notices, summonses or legalpapers received in connection with the"suit"; (c)  Notify any other insurer whose coverageis available to the indemnitee; and (d)  Cooperate with us with respect to coor-dinating other applicable insuranceavailable to the indemnitee; and (2) Provides us with written authorization to: (a) Obtain records and other informationrelated to the "suit"; and

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CG 00 01 12 07 

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

So long as the above conditions are met, attor-neys' fees incurred by us in the defense of that in-demnitee, necessary litigation expenses incurredby us and necessary litigation expenses incurredby the indemnitee at our request will be paid asSupplementary Payments. Notwithstanding theprovisions of Paragraph 2.b.(2) of Section I –Coverage A – Bodily Injury And Property DamageLiability, such payments will not be deemed to bedamages for "bodily injury" and "property damage"and will not reduce the limits of insurance.

Our obligation to defend an insured's indemniteeand to pay for attorneys' fees and necessary litiga-tion expenses as Supplementary Payments endswhen we have used up the applicable limit of in-surance in the payment of judgments or settle-ments or the conditions set forth above, or theterms of the agreement described in Paragraph f.above, are no longer met.

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

  1. An individual, you and your spouse are insu-reds, but only with respect to the conduct of abusiness of which you are the sole owner.
  2. A partnership or joint venture, you are an in-sured. Your members, your partners, and theirspouses are also insureds, but only with re-spect to the conduct of your business.
  3. A limited liability company, you are an insured.Your members are also insureds, but only withrespect to the conduct of your business. Yourmanagers are insureds, but only with respectto their duties as your managers.
  4. An organization other than a partnership, jointventure or limited liability company, you are aninsured. Your "executive officers" and directorsare insureds, but only with respect to their du-ties as your officers or directors. Your stock-holders are also insureds, but only with respectto their liability as stockholders.
  5. A trust, you are an insured. Your trustees arealso insureds, but only with respect to their du-ties as trustees.

2. Each of the following is also an insured:

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

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

  1. (a)  To you, to your partners or members (ifyou are a partnership or joint venture),to your members (if you are a limitedliability company), to a co-"employee"while in the course of his or her em-ployment or performing duties related tothe conduct of your business, or to yourother "volunteer workers" while perform-ing duties related to the conduct of yourbusiness;
  2. (b)  To the spouse, child, parent, brother orsister of that co-"employee" or "volun-teer worker" as a consequence of Para-graph (1)(a) above;
  3. (c)  For which there is any obligation toshare damages with or repay someoneelse who must pay damages because ofthe injury described in Paragraphs (1)(a)or (b) above; or
  4. (d)  Arising out of his or her providing orfailing to provide professional healthcare services.

(2) "Property damage" to property:

  1. (a)  Owned, occupied or used by,
  2. (b)  Rented to, in the care, custody or con-trol of, or over which physical control isbeing exercised for any purpose by

you, any of your "employees", "volunteerworkers", any partner or member (if you area partnership or joint venture), or any mem-ber (if you are a limited liability company).

CG 00 01 12 07 © ISO Properties, Inc., 2006 Page 9 of 16 

  1. Any person (other than your "employee" or"volunteer worker"), or any organization whileacting as your real estate manager.
  2. Any person or organization having propertemporary custody of your property if you die,but only: (1) With respect to liability arising out of themaintenance or use of that property; and (2) Until your legal representative has beenappointed.
  3. Your legal representative if you die, but onlywith respect to duties as such. That represent-ative will have all your rights and duties underthis Coverage Part.

3. Any organization you newly acquire or form, otherthan a partnership, joint venture or limited liabilitycompany, and over which you maintain ownershipor majority interest, will qualify as a Named In-sured if there is no other similar insurance availa-ble to that organization. However:

  1. Coverage under this provision is afforded onlyuntil the 90th day after you acquire or form theorganization or the end of the policy period,whichever is earlier;
  2. Coverage A does not apply to "bodily injury" or"property damage" that occurred before youacquired or formed the organization; and
  3. Coverage B does not apply to "personal andadvertising injury" arising out of an offensecommitted before you acquired or formed theorganization.

No person or organization is an insured with respectto the conduct of any current or past partnership, jointventure or limited liability company that is not shownas a Named Insured in the Declarations.

SECTION III – LIMITS OF INSURANCE

  1. The Limits of Insurance shown in the Declarationsand the rules below fix the most we will pay re-gardless of the number of: Insureds; Claims made or "suits" brought; or Persons or organizations making claims orbringing "suits".
  2. The General Aggregate Limit is the most we willpay for the sum of: Medical expenses under Coverage C; Damages under Coverage A, except damagesbecause of "bodily injury" or "property damage"included in the "products-completed operationshazard"; and Damages under Coverage B.

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

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

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

a. Damages under Coverage A; and
b. Medical expenses under Coverage C

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

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

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

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

SECTION IV – COMMERCIAL GENERAL LIABILITYCONDITIONS

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© ISO Properties, Inc., 2006 CG 00 01 12 07 

1.

2.

Bankruptcy

Bankruptcy or insolvency of the insured or of theinsured's estate will not relieve us of our obliga-tions under this Coverage Part.

Duties In The Event Of Occurrence, Offense,Claim Or Suit

a. You must see to it that we are notified as soonas practicable of an "occurrence" or an offensewhich may result in a claim. To the extentpossible, notice should include:

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

(2) The names and addresses of any injuredpersons and witnesses; and

b.

c.

(3) The nature and location of any injury ordamage arising out of the "occurrence" oroffense.

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

  1. (1)  Immediately record the specifics of theclaim or "suit" and the date received; and
  2. (2)  Notify us as soon as practicable.

You must see to it that we receive written no-tice of the claim or "suit" as soon as practica-ble.

You and any other involved insured must:

  1. (1)  Immediately send us copies of any de-mands, notices, summonses or legal pa-pers received in connection with the claimor "suit";
  2. (2)  Authorize us to obtain records and otherinformation;
  3. (3)  Cooperate with us in the investigation orsettlement of the claim or defense againstthe "suit"; and
  4. (4)  Assist us, upon our request, in the en-forcement of any right against any personor organization which may be liable to theinsured because of injury or damage towhich this insurance may also apply.

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

4. Other Insurance

If other valid and collectible insurance is availableto the insured for a loss we cover under Coverag-es A or B of this Coverage Part, our obligationsare limited as follows:

a. PrimaryInsurance

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

b. Excess Insurance
(1) This insurance is excess over:

(a) Any of the other insurance, whetherprimary, excess, contingent or on anyother basis:

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

(ii) That is Fire insurance for premisesrented to you or temporarily occu-pied by you with permission of theowner;

(iii) That is insurance purchased by youto cover your liability as a tenant for"property damage" to premisesrented to you or temporarily occu-pied by you with permission of theowner; or

(iv) If the loss arises out of the mainten-ance or use of aircraft, "autos" or wa-tercraft to the extent not subject toExclusion g. of Section I – CoverageA – Bodily Injury And Property Dam-age Liability.

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

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

d.

3. Legal Action Against Us

No person or organization has a right under thisCoverage Part:

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

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

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

CG 00 01 12 07

© ISO Properties, Inc., 2006 Page 11 of 16 

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

  1. (a)  The total amount that all such otherinsurance would pay for the loss in theabsence of this insurance; and
  2. (b)  The total of all deductible and self-insured amounts under all that other in-surance.

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

c. Method Of Sharing

If all of the other insurance permits contributionby equal shares, we will follow this method al-so. Under this approach each insurer contri-butes equal amounts until it has paid its appli-cable limit of insurance or none of the lossremains, whichever comes first.

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

5. Premium Audit

  1. We will compute all premiums for this Cover-age Part in accordance with our rules andrates.
  2. Premium shown in this Coverage Part as ad-vance premium is a deposit premium only. Atthe close of each audit period we will computethe earned premium for that period and sendnotice to the first Named Insured. The due datefor audit and retrospective premiums is thedate shown as the due date on the bill. If thesum of the advance and audit premiums paidfor the policy period is greater than the earnedpremium, we will return the excess to the firstNamed Insured.
  3. The first Named Insured must keep records ofthe information we need for premium computa-tion, and send us copies at such times as wemay request.

6. Representations

By accepting this policy, you agree:

  1. The statements in the Declarations are accu-rate and complete;
  2. Those statements are based upon representa-tions you made to us; and

c. We have issued this policy in reliance uponyour representations.

  1. Separation Of Insureds Except with respect to the Limits of Insurance, andany rights or duties specifically assigned in thisCoverage Part to the first Named Insured, this in-surance applies: As if each Named Insured were the onlyNamed Insured; and Separately to each insured against whom claimis made or "suit" is brought.
  2. Transfer Of Rights Of Recovery Against OthersTo Us If the insured has rights to recover all or part ofany payment we have made under this CoveragePart, those rights are transferred to us. The in-sured must do nothing after loss to impair them. Atour request, the insured will bring "suit" or transferthose rights to us and help us enforce them.
  3. When We Do Not Renew If we decide not to renew this Coverage Part, wewill mail or deliver to the first Named Insuredshown in the Declarations written notice of thenonrenewal not less than 30 days before the expi-ration date. If notice is mailed, proof of mailing will be sufficientproof of notice.

SECTION V – DEFINITIONS

  1. "Advertisement" means a notice that is broadcastor published to the general public or specific mar-ket segments about your goods, products or ser-vices for the purpose of attracting customers orsupporters. For the purposes of this definition: Notices that are published include materialplaced on the Internet or on similar electronicmeans of communication; and Regarding web-sites, only that part of a web-site that is about your goods, products or ser-vices for the purposes of attracting customersor supporters is considered an advertisement.
  2. "Auto" means: A land motor vehicle, trailer or semitrailer de-signed for travel on public roads, including anyattached machinery or equipment; or Any other land vehicle that is subject to a com-pulsory or financial responsibility law or othermotor vehicle insurance law in the state whereit is licensed or principally garaged. However, "auto" does not include "mobile equip-ment".

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

  1. "Bodily injury" means bodily injury, sickness ordisease sustained by a person, including death re-sulting from any of these at any time.
  2. "Coverage territory" means: The United States of America (including itsterritories and possessions), Puerto Rico andCanada; International waters or airspace, but only if theinjury or damage occurs in the course of travelor transportation between any places includedin Paragraph a. above; or All other parts of the world if the injury or dam-age arises out of: (1)  Goods or products made or sold by you inthe territory described in Paragraph a.above; (2)  The activities of a person whose home is inthe territory described in Paragraph a.above, but is away for a short time on yourbusiness; or (3)  "Personal and advertising injury" offensesthat take place through the Internet or simi-lar electronic means of communication provided the insured's responsibility to pay dam-ages is determined in a "suit" on the merits, in theterritory described in Paragraph a. above or in asettlement we agree to.
  3. "Employee" includes a "leased worker". "Em-ployee" does not include a "temporary worker".
  4. "Executive officer" means a person holding any ofthe officer positions created by your charter, con-stitution, by-laws or any other similar governingdocument.
  5. "Hostile fire" means one which becomes uncon-trollable or breaks out from where it was intendedto be.
  6. "Impaired property" means tangible property, otherthan "your product" or "your work", that cannot beused or is less useful because: It incorporates "your product" or "your work"that is known or thought to be defective, defi-cient, inadequate or dangerous; or You have failed to fulfill the terms of a contractor agreement; if such property can be restored to use by the re-pair, replacement, adjustment or removal of "yourproduct" or "your work" or your fulfilling the termsof the contract or agreement.

9. "Insured contract" means:

a. A contract for a lease of premises. However,that portion of the contract for a lease of pre-mises that indemnifies any person or organiza-tion for damage by fire to premises whilerented to you or temporarily occupied by youwith permission of the owner is not an "insuredcontract";

b. A sidetrack agreement;

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

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

e. An elevator maintenance agreement;

f. That part of any other contract or agreementpertaining to your business (including an in-demnification of a municipality in connectionwith work performed for a municipality) underwhich you assume the tort liability of anotherparty to pay for "bodily injury" or "propertydamage" to a third person or organization. Tortliability means a liability that would be imposedby law in the absence of any contract oragreement.

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

  1. (1)  That indemnifies a railroad for "bodily injury"or "property damage" arising out of con-struction or demolition operations, within 50feet of any railroad property and affectingany railroad bridge or trestle, tracks, road-beds, tunnel, underpass or crossing;
  2. (2)  That indemnifies an architect, engineer orsurveyor for injury or damage arising out of: (a)  Preparing, approving, or failing to pre-pare or approve, maps, shop drawings,opinions, reports, surveys, field orders,change orders or drawings and specifi-cations; or (b)  Giving directions or instructions, orfailing to give them, if that is the primarycause of the injury or damage; or
  3. (3)  Under which the insured, if an architect,engineer or surveyor, assumes liability foran injury or damage arising out of the in-sured's rendering or failure to render pro-fessional services, including those listed in(2) above and supervisory, inspection, arc-hitectural or engineering activities.

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

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

  1. After it is moved from the place where it isaccepted for movement into or onto an aircraft,watercraft or "auto";
  2. While it is in or on an aircraft, watercraft or"auto"; or
  3. While it is being moved from an aircraft, water-craft or "auto" to the place where it is finally de-livered;

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

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

  1. Bulldozers, farm machinery, forklifts and othervehicles designed for use principally off publicroads;
  2. Vehicles maintained for use solely on or next topremises you own or rent;
  3. Vehicles that travel on crawler treads;
  4. Vehicles, whether self-propelled or not, main-tained primarily to provide mobility to perma-nently mounted: (1)  Power cranes, shovels, loaders, diggers ordrills; or (2)  Road construction or resurfacing equipmentsuch as graders, scrapers or rollers;
  5. Vehicles not described in Paragraph a., b., c.or d. above that are not self-propelled and aremaintained primarily to provide mobility to per-manently attached equipment of the followingtypes: (1)  Air compressors, pumps and generators,including spraying, welding, building clean-ing, geophysical exploration, lighting andwell servicing equipment; or (2)  Cherry pickers and similar devices used toraise or lower workers;
  6. Vehicles not described in Paragraph a., b., c.or d. above maintained primarily for purposesother than the transportation of persons or car-go.

However, self-propelled vehicles with the fol-lowing types of permanently attached equip-ment are not "mobile equipment" but will beconsidered "autos":

(1) Equipment designed primarily for:

  1. (a)  Snow removal;
  2. (b)  Road maintenance, but not constructionor resurfacing; or
  3. (c)  Street cleaning;

  1. (2)  Cherry pickers and similar devices mountedon automobile or truck chassis and used toraise or lower workers; and
  2. (3)  Air compressors, pumps and generators,including spraying, welding, building clean-ing, geophysical exploration, lighting andwell servicing equipment.

However, "mobile equipment" does not includeany land vehicles that are subject to a compulsoryor financial responsibility law or other motor ve-hicle insurance law in the state where it is licensedor principally garaged. Land vehicles subject to acompulsory or financial responsibility law or othermotor vehicle insurance law are considered "au-tos".

13."Occurrence" means an accident, including conti-nuous or repeated exposure to substantially thesame general harmful conditions.

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

a. False arrest, detention or imprisonment;

b. Malicious prosecution;

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

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

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

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

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

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

16."Products-completed operations hazard":

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

  1. (1)  Products that are still in your physical pos-session; or
  2. (2)  Work that has not yet been completed orabandoned. However, "your work" will bedeemed completed at the earliest of the fol-lowing times: (a)  When all of the work called for in yourcontract has been completed. (b)  When all of the work to be done at thejob site has been completed if your con-tract calls for work at more than one jobsite. (c)  When that part of the work done at a jobsite has been put to its intended use byany person or organization other thananother contractor or subcontractorworking on the same project. Work that may need service, maintenance,correction, repair or replacement, but whichis otherwise complete, will be treated ascompleted.

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

  1. (1)  The transportation of property, unless theinjury or damage arises out of a condition inor on a vehicle not owned or operated byyou, and that condition was created by the"loading or unloading" of that vehicle by anyinsured;
  2. (2)  The existence of tools, uninstalled equip-ment or abandoned or unused materials; or
  3. (3)  Products or operations for which the classi-fication, listed in the Declarations or in apolicy schedule, states that products-completed operations are subject to theGeneral Aggregate Limit.

17."Property damage" means:

a. Physical injury to tangible property, includingall resulting loss of use of that property. Allsuch loss of use shall be deemed to occur atthe time of the physical injury that caused it; or

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

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

As used in this definition, electronic data meansinformation, facts or programs stored as or on,created or used on, or transmitted to or from com-puter software, including systems and applicationssoftware, hard or floppy disks, CD-ROMS, tapes,drives, cells, data processing devices or any othermedia which are used with electronically controlledequipment.

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

  1. An arbitration proceeding in which such dam-ages are claimed and to which the insuredmust submit or does submit with our consent;or
  2. Any other alternative dispute resolution pro-ceeding in which such damages are claimedand to which the insured submits with our con-sent.

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

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

21."Your product":a. Means:

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

(a) You;

(b) Others trading under your name; or

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

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

b. Includes:

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

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

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

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

22."Your work":a. Means:

  1. (1)  Work or operations performed by you or onyour behalf; and
  2. (2)  Materials, parts or equipment furnished inconnection with such work or operations.

b. Includes:

  1. (1)  Warranties or representations made at anytime with respect to the fitness, quality, du-rability, performance or use of "your work",and
  2. (2)  The providing of or failure to provide warn-ings or instructions.

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

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION – CROSS SUITS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
LIQUOR LIABILITY COVERAGE PART
PRODUCTS-COMPLETED OPERATIONS LIABILITY COVERAGE PART

This insurance does not apply to any claim fordamages by any “Named Insured” against another“Named Insured” because of "bodily injury", "propertydamage", “personal and advertising injury” or “injury”.

“Named Insured” means any party listed as a NamedInsured on the Common Declaration Page of thepolicy and any party qualifying as an insured underSection II – Who Is An Insured, but excluding anyparty qualifying as such under any Additional Insuredendorsement.

IFG-G-0093 02 10 Includes copyrighted material of Page 1 of 1ISO Properties, Inc., with its permission

COMMERCIAL GENERAL LIABILITYDECLARATIONS

Policy Number:

Named Insured: Effective Date:

Item 1. LIMITS OF INSURANCE

  • $  General Aggregate Limit (Other Than Products-Completed Operations)
  • $  Products-Completed Operations Aggregate Limit
  • $  Personal and Advertising Injury Limit
  • $  Each Occurrence Limit
  • $  Damage To Premises Rented To You Limit (Any One Premises)
  • $  Medical Expense Limit (Any One Person)Refer to individual policy forms and/or endorsements for various coverage sublimits, if applicable.

Item 2. AUDIT PERIOD (If Applicable):

Annually Semi-Annually Quarterly Monthly

Item 3. FORM(S) AND ENDORSEMENT(S) made a part of this policy at time of issue:

See Listing of Forms and Endorsements (IFG-I-0150)

Item 4. COMPOSITE RATE

If box is checked, see Composite Rate Endorsement (IFG-I-0152) for applicable classification, ratesand premiums. If box is not checked, see page 2 of these Declarations for applicable classifications,rates and premiums.

Item 5. RETROACTIVE DATE (CG 00 02 only) :

Coverage A of this Insurance does not apply to “bodily injury” or “property damage” which occurs before theRetroactive Date, if any, shown here: (Enter Date or “None” if no Retroactive Date applies.)

Item 6. PREMIUMS

  • $  Total Coverage Part Advance Premium
  • $  Coverage Part Minimum Premium (if applicable)

These Declarations are part of the Policy Declarations containing the name of the insured and the policy period.

IFG-G-0002-DL 0503 Page 1 of 2

Bldg. No.

Policy Number:SCHEDULE OF CLASSIFICATIONS AND RATES

COMMERCIAL GENERAL LIABILITY

Named Insured:

Effective Date:

Loc. No.

County,Borough orParish

Rating Terr.

Bldg. No.

Location Address (Premises you own, rent or occupy):

Code No.

Classification

Premium is:

Adjustable (See
Premium Audit Conditions)
Flat (Not Adjustable)
Fully Earned When WrittenMinimum Premium

Premium Base

All Other

Prod.-C.Ops

Rate Per $1,000:

$

$

Payroll

Advance Premium:

$

$

Loc. No.

Location Address (Premises you own, rent or occupy):

County,Borough orParish

Rating Terr.

Code No.

Location Address (Premises you own, rent or occupy):

Classification

Premium is:Adjustable (See

Premium Audit Conditions)
Flat (Not Adjustable)
Fully Earned When WrittenMinimum Premium

Premium Base

All Other

Prod.-C.Ops

Rate Per $1,000:

$

$

Payroll

Advance Premium:

$

$

Loc. No.

County,Borough orParish

Rating Terr.

Bldg. No.

Code No.

Classification

Premium is:Adjustable (See

Premium Audit Conditions)
Flat (Not Adjustable)
Fully Earned When WrittenMinimum Premium

Premium Base

All Other

Prod.-C.Ops

Rate Per $1,000:

$

$

Payroll

Advance Premium:

$

$

See Schedule of Classifications and Rates (IFG-G-0003) for additional locations you own, rent or occupy andapplicable classifications and rates and premiums.

IFG-G-0002-DL 0503 Page 2 of 2

COMMERCIAL GENERAL LIABILITYCG 21 47 12 07

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EMPLOYMENT-RELATED PRACTICES EXCLUSION

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

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

This insurance does not apply to:

"Bodily injury" to:
(1) A person arising out of any:

  1. (a)  Refusal to employ that person;
  2. (b)  Termination of that person's employment; or
  3. (c)  Employment-related practices, policies,acts or omissions, such as coercion, demo-tion, evaluation, reassignment, discipline,defamation, harassment, humiliation, dis-crimination or malicious prosecution di-rected at that person; or

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

This exclusion applies:

  1. (1)  Whether the injury-causing event described inParagraphs (a), (b) or (c) above occurs beforeemployment, during employment or after em-ployment of that person;
  2. (2)  Whether the insured may be liable as an em-ployer or in any other capacity; and
  3. (3)  To any obligation to share damages with orrepay someone else who must pay damagesbecause of the injury.

B. The following exclusion is added to Paragraph 2.,Exclusions of Section I – Coverage B – Person-al And Advertising Injury Liability:

This insurance does not apply to:

"Personal and advertising injury" to:(1) A person arising out of any:

(a) Refusal to employ that person;
(b) Termination of that person's employment;

or

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

(2) The spouse, child, parent, brother or sister ofthat person as a consequence of "personal andadvertising injury" to that person at whom anyof the employment-related practices describedin Paragraphs (a), (b), or (c) above is directed.

This exclusion applies:

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

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

(3) To any obligation to share damages with orrepay someone else who must pay damagesbecause of the injury.

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

COMMERCIAL GENERAL LIABILITYCG 21 67 12 04

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

FUNGI OR BACTERIA EXCLUSION

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

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

2. Exclusions

This insurance does not apply to:

Fungi Or Bacteria

  1. "Bodily injury" or "property damage" whichwould not have occurred, in whole or inpart, but for the actual, alleged or threat-ened inhalation of, ingestion of, contactwith, exposure to, existence of, or presenceof, any "fungi" or bacteria on or within abuilding or structure, including its contents,regardless of whether any other cause,event, material or product contributed con-currently or in any sequence to such injuryor damage.
  2. Any loss, cost or expenses arising out ofthe abating, testing for, monitoring, cleaningup, removing, containing, treating, detoxify-ing, neutralizing, remediating or disposingof, or in any way responding to, or assess-ing the effects of, "fungi" or bacteria, by anyinsured or by any other person or entity.

This exclusion does not apply to any "fungi" orbacteria that are, are on, or are contained in, agood or product intended for bodily consump-tion.

B. The following exclusion is added to Paragraph 2.Exclusions of Section I – Coverage B – Per-sonal And Advertising Injury Liability:

2. Exclusions

This insurance does not apply to:

Fungi Or Bacteria

  1. "Personal and advertising injury" whichwould not have taken place, in whole or inpart, but for the actual, alleged or threat-ened inhalation of, ingestion of, contactwith, exposure to, existence of, or presenceof any "fungi" or bacteria on or within abuilding or structure, including its contents,regardless of whether any other cause,event, material or product contributed con-currently or in any sequence to such injury.
  2. Any loss, cost or expense arising out of theabating, testing for, monitoring, cleaning up,removing, containing, treating, detoxifying,neutralizing, remediating or disposing of, orin any way responding to, or assessing theeffects of, "fungi" or bacteria, by any in-sured or by any other person or entity.

C. The following definition is added to the DefinitionsSection:

"Fungi" means any type or form of fungus, includ-ing mold or mildew and any mycotoxins, spores,scents or byproducts produced or released byfungi.

CG 21 67 12 04 © ISO Properties, Inc., 2003 Page 1 of 1  

COMMERCIAL GENERAL LIABILITYCG 21 36 03 05

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.EXCLUSION – NEW ENTITIES

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

Paragraph 3. of Section II – Who Is An Insured doesnot apply.

CG 21 36 03 05 © ISO Properties, Inc., 2004 Page 1 of 1

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION – AIRCRAFT, AUTO OR WATERCRAFT,INCLUDING UNMANNED AIRCRAFT OR UNMANNEDAERIAL VEHICLE

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE

  1. Paragraph C. of this endorsement replacesExclusion g. Aircraft, Auto or Watercraft of 2.Exclusions of Section I – Coverage A – BodilyInjury and Property Damage Liability under theCommercial General Liability Coverage Form.
  2. When the Miscellaneous Professional LiabilityCoverage endorsement is attached, Paragraph C.of this endorsement is added to Paragraph 2.Exclusions under the Miscellaneous ProfessionalLiability Coverage endorsement.
  3. This insurance does not apply to: g. Aircraft, Auto Or Watercraft, IncludingUnmanned Aircraft Or Unmanned AerialVehicle

(1) Unmanned Aircraft Or Unmanned AerialVehicle

"Bodily injury", "property damage" or"damages" arising out of the ownership,maintenance, use or entrustment to othersof any aircraft that is an "unmanned aircraftor unmanned aerial vehicle". Use includesoperation and "loading or unloading".

This Paragraph g.(1) applies even if theclaims against any insured allegenegligence or other wrongdoing in thesupervision, hiring, employment, training ormonitoring of others by that insured, if the"occurrence" which caused the "bodilyinjury", "property damage" or "damages"involved the ownership, maintenance, useor entrustment to others of any aircraft thatis an "unmanned aircraft or unmannedaerial vehicle".

PART

IFG-G-0201 07 15

Includes copyrighted material of Page 1 of 2ISO Properties, Inc., with its permission.

(2) Manned Aircraft Or Manned AerialVehicle, Auto Or Watercraft

"Bodily injury", "property damage" or"damages" arising out of the ownership,maintenance, use or entrustment to othersof any aircraft that is a "manned aircraft ormanned aerial vehicle", "auto" or watercraftowned or operated by or rented or loanedto any insured. Use includes operation and"loading or unloading".

This Paragraph g.(2) applies even if theclaims against any insured allegenegligence or other wrongdoing in thesupervision, hiring, employment, training ormonitoring of others by that insured, if the"occurrence" which caused the "bodilyinjury", "property damage" or "damages"involved the ownership, maintenance, useor entrustment to others of any aircraft thatis a "manned aircraft or manned aerialvehicle", "auto" or watercraft that is ownedor operated by or rented or loaned to anyinsured.

This Paragraph g.(2) does not apply to:

  1. (a)  A watercraft while ashore on premises you own or rent;
  2. (b)  A watercraft you do not own that is: (i) Less than 26 feet long; and(ii) Not being used to carry persons or property for a charge;
  3. (c)  Parking an "auto" on, or on the waysnext to, premises you own or rent,provided the "auto" is not owned by orrented or loaned to you or the insured;
  4. (d)  Liability assumed under any "insuredcontract" for the ownership,maintenance or use of "manned aircraftor manned aerial vehicle" or watercraft;or

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

  1. (i)  The operation of machinery orequipment that is attached to, or partof, a land vehicle that would qualifyunder the definition of "mobileequipment" if it were not subject to acompulsory or financial responsibilitylaw or other motor vehicle insurancelaw where it is licensed or principallygaraged; or
  2. (ii)  The operation of any of themachinery or equipment listed inParagraph f.(2) or f.(3) of thedefinition of "mobile equipment".

D. If Coverage B – Personal And AdvertisingInjury Liability is provided under the Policy, thefollowing exclusion is added to Paragraph 2.Exclusions of Coverage B – Personal AndAdvertising Injury Liability:

2. Exclusions

This insurance does not apply to:

Unmanned Aircraft Or Unmanned AerialVehicle

"Personal and advertising injury" arising out ofthe ownership, maintenance, use orentrustment to others of any aircraft that is an"unmanned aircraft or unmanned aerialvehicle". Use includes operation and "loadingor unloading".

This exclusion applies even if the claimsagainst any insured allege negligence or otherwrongdoing in the supervision, hiring,employment, training or monitoring of others bythat insured, if the offense which caused the"personal and advertising injury" involved theownership, maintenance, use or entrustment toothers of any aircraft that is an "unmannedaircraft or unmanned aerial vehicle".

This exclusion does not apply to:

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

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

E. The following definitions are added to theDefinitions section:

"Manned aircraft or manned aerial vehicle" is anaircraft whose flight is or can be controlled directlywith a human operator on board the aircraft.

"Unmanned aircraft or unmanned aerial vehicle" isan aircraft without a human operator on board,whose flight can be controlled remotely orautonomously.

All other terms and conditions of this Policyremain unchanged.

Page 2 of 2 Includes copyrighted material of IFG-G-0201 07 15ISO Properties, Inc., with its permission.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CONTRACTUAL LIABILITY AMENDMENT

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

The definition of “insured contract” in the DefinitionsSection is replaced by the following:

9. "Insured contract" means:

  1. A contract for a lease of premises. However,that portion of the contract for a lease of prem-ises that indemnifies any person or organizationfor damage by fire to premises while rented toyou or temporarily occupied by you with per-mission of the owner is not an "insured con-tract";
  2. A sidetrack agreement;
  3. Any easement or license agreement, except inconnection with construction or demolition op-erations on or within 50 feet of a railroad;
  4. An obligation, as required by ordinance, to in-demnify a municipality, except in connectionwith work for a municipality;
  5. An "elevator" maintenance agreement;
  6. That part of any other contract or agreementpertaining to your business (including an in-demnification of a municipality in connectionwith work performed for a municipality) underwhich you assume the tort liability of anotherparty to pay for "bodily injury" or "property dam-age" to a third person or organization, providedthe “bodily injury” or “property damage” iscaused, in whole or in part, by you or by thoseacting on your behalf. Tort liability means a lia-bility that would be imposed by law in the ab-sence of any contract or agreement.

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

BG-G-064 09 08 Includes copyrighted material ofISO Properties, Inc., with its permission.

Page 1 of 1

(1)

(2)

(3)

(4)

That indemnifies a railroad for "bodily inju-ry", "property damage" or "personal andadvertising injury" arising out of construc-tion or demolition operations, within 50 feetof any railroad property and affecting anyrailroad bridge or trestle, tracks, road-beds,tunnel, underpass or crossing;

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

  1. (a)  Preparing, approving or failing to pre-pare or approve maps, shop drawings,opinions, reports, surveys, field orders,change orders, or drawings and speci-fications; or
  2. (b)  Giving directions or instructions, or fail-ing to give them, if that is the primarycause of the injury or damage;

Under which the insured, if an architect,engineer or surveyor, assumes liability foran injury or damage arising out of the in-sured's rendering or failing to render pro-fessional services, including those listed inparagraph (2) above and supervisory, in-spection, architectural or engineering ser-vices; or

That indemnifies any person or organiza-tion for "bodily injury", "property damage" or"personal and advertising injury" arising outof an "occurrence" caused by the sole neg-ligence of said person or organization.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.DEFINITION - EMPLOYEE

This endorsement modifies insurance provided under the following:

AUTO DEALERS COVERAGE FORM
COMMERCIAL GENERAL LIABILITY COVERAGE PARTGARAGE COVERAGE FORM

  1. Paragraph D. of this endorsement replacesDefinition J. of Section V – Definitionsunder the Auto Dealers Coverage Form.
  2. Paragraph D. of this endorsement replacesDefinition 5. of Section V – Definitionsunder the Commercial General LiabilityCoverage Form.
  3. Paragraph D. of this endorsement replacesDefinition G. of Section V – Definitionsunder the Garage Coverage Form.

D. “Employee” means a person working forsalary or wages, or any substitute for salaryor wages, as compensation in any mannerby any insured, under any contract of hire,express or implied, oral or written, where theinsured, as employer, has the power or rightto control and direct the employee.“Employee” includes a person hired by thehour, day or any other irregular orintermittent period. “Employee” includes a“leased worker” or “temporary worker”.

BG-G-119 11 13 Includes copyrighted material of Page 1 of 1ISO Properties, Inc. with its permission.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.EXCLUSION - INTELLECTUAL PROPERTY

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

A. Paragraph D. of this endorsement is addedto 2. Exclusions of Section I - Coverage A- Bodily Injury and Property Damage Lia-bility under the Commercial General Liabil-ity Coverage Form.

B. Paragraph D. of this endorsement is addedto 2, Exclusions of Section I - Coverage B- Personal and Advertising Injury Liabilityunder the Commercial General LiabilityCoverage Form.

C. Paragraph D. of this endorsement is addedto 2. Exclusions of Section I - Coverage A- Bodily Injury and Property Damage Lia-bility under the Products/Completed Opera-tions Liability Coverage Form.

D. This insurance does not apply to claims for“any injury or damage” that results from theactual or alleged infringement or violation ofany intellectual property rights or laws, in-cluding but not limited to:

  1. Copyright;
  2. Patent;
  3. Trade dress;
  4. Trade name;
  5. Trade secret; or
  6. Trademark.

G. The following definition is added:

For the purposes of this endorsement, "anyinjury or damage" means any injury or dam-age covered under any Coverage Part towhich this endorsement is applicable, andincludes "bodily injury", "property damage"or “personal and advertising injury” as de-fined in the applicable Coverage Part.

GSG-G-021 08 09 Includes copyrighted material of Page 1 of 1ISO Properties, Inc., with its permission.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.EXCLUSION - LEAD BEARING SUBSTANCE

This endorsement modifies insurance under the following:

AUTO DEALERS COVERAGE FORM
COMMERCIAL GENERAL LIABILITY COVERAGE PART
GARAGE COVERAGE FORM
OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

A. Paragraph B. of this endorsement is added tothe Exclusions under all Coverage Formsand endorsements that form a part of thispolicy.

B. This insurance does not apply to:

Lead Bearing Substance

"Any injury or damage" caused by plumbism(lead poisoning) or any disease or ailmentcaused by, or aggravated by exposure,consumption or absorption of lead, or due to orarising out of the actual or alleged presence oflead in any form, including the costs ofremedial investigations or feasibility studies, orto the costs of testing, monitoring, cleaning orremoval of any lead-bearing substance.

C. For the purposes of this endorsement, anyinjury or damage" means any injury or damagecovered under any Coverage Part to whichthis endorsement is applicable, and includes“act, error or omission”, "bodily injury",“covered pollution cost or expense”, "loss","property damage", “personal and advertisinginjury”, or “personal injury” as defined in theapplicable Coverage Part.

BG-G-004 11 13

Includes copyrighted material ofISO Properties, Inc., with its permission.

Page 1 of 1

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.EXCLUSION – PUNITIVE DAMAGES

This endorsement modifies insurance provided under the following:

A.

Paragraph B. of this endorsement is added to theExclusions under all Coverage Forms andendorsements that form a part of this policy.

B. This insurance does not apply to:

Punitive Damages

Any claim of or indemnification for punitive orexemplary damages. If a "suit" seeking bothcompensatory and punitive or exemplarydamages has been brought against you for aclaim covered by this policy, we will providedefense for such action. We will not have anyobligation to pay for any fees, including but notlimited to attorney fees, costs, interest ordamages attributable to punitive or exemplarydamages.

AUTO DEALERS COVERAGE FORM
COMMERCIAL GENERAL LIABILITY COVERAGE PART
GARAGE COVERAGE FORM
LIQUOR LIABILITY COVERAGE PART
OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

BG-G-005 11 13

Includes copyrighted material of Page 1 of 1ISO Properties, Inc., with its permission.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - ASBESTOS, SILICA OR OTHER TOXIC SUBSTANCES

This endorsement modifies insurance under the following:

AUTO DEALERS COVERAGE FORM
COMMERCIAL GENERAL LIABILITY COVERAGE PART
GARAGE COVERAGE FORM
OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

A. Paragraph B. of this endorsement is added to theExclusions under all Coverage Forms andendorsements that form a part of this policy.

B. This insurance does not apply to:

Asbestos, Silica Or Other Toxic Substances

"Any injury or damage" caused, in any manner, byasbestos, silica, asbestos dust or silica dust or anyother similar fibrous or mineral substance in anyform, whether or not it is incorporated into “yourproduct or your work”.

This insurance does not apply to any loss, cost orexpense arising out of any request, demand, orderor statutory or regulatory requirement that anyinsured or others test for, monitor, clean up,remove, contain, treat or in any way respond to, orassess the existence or effects of any suchsubstance.

C. The following definitions are added:

  1. For the purposes of this endorsement, "anyinjury or damage" means any injury or damagecovered under any Coverage Part to which thisendorsement is applicable, and includes “act,error or omission”, "bodily injury", “coveredpollution cost or expense”, "loss", "propertydamage", “personal and advertising injury”, or“personal injury” as defined in the applicableCoverage Part.
  2. For the purposes of this endorsement, "yourproduct or your work" means your product orwork covered under any Coverage Part towhich this endorsement is applicable, andincludes "products", "work you performed","your product", or "your work" as defined in theapplicable Coverage Part.

BG-G-007 11 13 Includes copyrighted material of Page 1 of 1ISO Properties, Inc., with its permission.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.DEFINITION - EMPLOYEE

This endorsement modifies insurance provided under the following:

AUTO DEALERS COVERAGE FORM
COMMERCIAL GENERAL LIABILITY COVERAGE PARTGARAGE COVERAGE FORM

  1. Paragraph D. of this endorsement replacesDefinition J. of Section V – Definitionsunder the Auto Dealers Coverage Form.
  2. Paragraph D. of this endorsement replacesDefinition 5. of Section V – Definitionsunder the Commercial General LiabilityCoverage Form.
  3. Paragraph D. of this endorsement replacesDefinition G. of Section V – Definitionsunder the Garage Coverage Form.

D. “Employee” means a person working forsalary or wages, or any substitute for salaryor wages, as compensation in any mannerby any insured, under any contract of hire,express or implied, oral or written, where theinsured, as employer, has the power or rightto control and direct the employee.“Employee” includes a person hired by thehour, day or any other irregular orintermittent period. “Employee” includes a“leased worker” or “temporary worker”.

BG-G-119 11 13 Includes copyrighted material of Page 1 of 1ISO Properties, Inc. with its permission.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.EXCLUSION - LEAD BEARING SUBSTANCE

This endorsement modifies insurance under the following:

AUTO DEALERS COVERAGE FORM
COMMERCIAL GENERAL LIABILITY COVERAGE PART
GARAGE COVERAGE FORM
OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

A. Paragraph B. of this endorsement is added tothe Exclusions under all Coverage Formsand endorsements that form a part of thispolicy.

B. This insurance does not apply to:

Lead Bearing Substance

"Any injury or damage" caused by plumbism(lead poisoning) or any disease or ailmentcaused by, or aggravated by exposure,consumption or absorption of lead, or due to orarising out of the actual or alleged presence oflead in any form, including the costs ofremedial investigations or feasibility studies, orto the costs of testing, monitoring, cleaning orremoval of any lead-bearing substance.

C. For the purposes of this endorsement, anyinjury or damage" means any injury or damagecovered under any Coverage Part to whichthis endorsement is applicable, and includes“act, error or omission”, "bodily injury",“covered pollution cost or expense”, "loss","property damage", “personal and advertisinginjury”, or “personal injury” as defined in theapplicable Coverage Part.

BG-G-004 11 13

Includes copyrighted material ofISO Properties, Inc., with its permission.

Page 1 of 1

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.EXCLUSION – PUNITIVE DAMAGES

This endorsement modifies insurance provided under the following:

A.

Paragraph B. of this endorsement is added to theExclusions under all Coverage Forms andendorsements that form a part of this policy.

B. This insurance does not apply to:

Punitive Damages

Any claim of or indemnification for punitive orexemplary damages. If a "suit" seeking bothcompensatory and punitive or exemplarydamages has been brought against you for aclaim covered by this policy, we will providedefense for such action. We will not have anyobligation to pay for any fees, including but notlimited to attorney fees, costs, interest ordamages attributable to punitive or exemplarydamages.

AUTO DEALERS COVERAGE FORM
COMMERCIAL GENERAL LIABILITY COVERAGE PART
GARAGE COVERAGE FORM
LIQUOR LIABILITY COVERAGE PART
OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

BG-G-005 11 13

Includes copyrighted material of Page 1 of 1ISO Properties, Inc., with its permission.

A.B.

Paragraph B. of this endorsement is added to theExclusions under all Coverage Forms andendorsements that form a part of this policy.

This insurance does not apply to:

Asbestos, Silica Or Other Toxic Substances

"Any injury or damage" caused, in any manner, byasbestos, silica, asbestos dust or silica dust or anyother similar fibrous or mineral substance in anyform, whether or not it is incorporated into “yourproduct or your work”.

This insurance does not apply to any loss, cost orexpense arising out of any request, demand, orderor statutory or regulatory requirement that anyinsured or others test for, monitor, clean up,remove, contain, treat or in any way respond to, orassess the existence or effects of any suchsubstance.

C. The following definitions are added:

  1. For the purposes of this endorsement, "anyinjury or damage" means any injury or damagecovered under any Coverage Part to which thisendorsement is applicable, and includes “act,error or omission”, "bodily injury", “coveredpollution cost or expense”, "loss", "propertydamage", “personal and advertising injury”, or“personal injury” as defined in the applicableCoverage Part.
  2. For the purposes of this endorsement, "yourproduct or your work" means your product orwork covered under any Coverage Part towhich this endorsement is applicable, andincludes "products", "work you performed","your product", or "your work" as defined in theapplicable Coverage Part.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - ASBESTOS, SILICA OR OTHER TOXIC SUBSTANCES

This endorsement modifies insurance under the following:

AUTO DEALERS COVERAGE FORM
COMMERCIAL GENERAL LIABILITY COVERAGE PART
GARAGE COVERAGE FORM
OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

BG-G-007 11 13 Includes copyrighted material of Page 1 of 1ISO Properties, Inc., with its permission.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.EXCLUSION – PROFESSIONAL LIABILITY

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

A. Paragraph C. of this endorsement is added to2. Exclusions of Section I – Coverage A –Bodily Injury And Property Damage Liabilityand to 2. Exclusions of Section I – CoverageB – Personal And Advertising Injury Liabilityunder Commercial General Liability CoverageForm.

B. Paragraph C. of this endorsement is added to2. Exclusions of Section I – Coverages -Bodily Injury And Property Damage Liabilityunder Products/Completed Operations LiabilityCoverage Form.

.

C. This insurance does not apply to "any injury ordamage” arising out of the rendering of or fail-ure to render any professional services by orfor you.

D. For the purposes of this endorsement, "anyinjury or damage" means any injury or damagecovered under any Coverage Part to which thisendorsement is applicable, and includes "bodilyinjury", "property damage" or “personal and ad-vertising injury” as defined in the applicableCoverage Part.

IFG-G-0105 09 09 Includes copyrighted material of Page 1 of 1ISO Properties, Inc., with its permission.

COMMERCIAL GENERAL LIABILITYCG 00 68 05 09

RECORDING AND DISTRIBUTION OF MATERIAL ORINFORMATION IN VIOLATION OF LAW EXCLUSION

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

A. Exclusion q. of Paragraph 2. Exclusionsof SectionI -- CoverageA -- BodilyInjury And PropertyDam-age Liabilityis replaced by the following:

2. Exclusions

This insurance does not apply to:

q. RecordingAnd DistributionOf MaterialOrInformation In Violation Of Law

"Bodily injury" or "property damage" arisingdirectly or indirectly out of any action oromission that violates or is alleged to vio-late:

  1. (1)  The Telephone Consumer Protection Act(TCPA), including any amendment of oraddition to such law;
  2. (2)  The CAN-SPAM Act of 2003, includingany amendment of or addition to suchlaw;
  3. (3)  The Fair Credit Reporting Act (FCRA),and any amendment of or addition tosuch law, including the Fair and Accu-rate Credit Transaction Act (FACTA); or
  4. (4)  Any federal, state or local statute, ordi-nance or regulation, other than theTCPA, CAN-SPAM Act of 2003 or FCRAand their amendments and additions,that addresses, prohibits, or limits theprinting, dissemination, disposal, collect-ing, recording, sending, transmitting,communicating or distribution of materialor information.

B. Exclusion p. of Paragraph 2. Exclusionsof SectionI -- CoverageB -- PersonalAnd AdvertisingInjuryLiabilityis replaced by the following:

2. Exclusions

This insurance does not apply to:

p. RecordingAnd DistributionOf MaterialOrInformation In Violation Of Law

"Personal and advertising injury" arising di-rectly or indirectly out of any action or omis-sion that violates or is alleged to violate:

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

(2) The CAN-SPAM Act of 2003, includingany amendment of or addition to suchlaw;

(3) The Fair Credit Reporting Act (FCRA),and any amendment of or addition tosuch law, including the Fair and Accu-rate Credit Transaction Act (FACTA); or

(4) Any federal, state or local statute, ordi-nance or regulation, other than theTCPA, CAN-SPAM Act of 2003 or FCRAand their amendments and additions,that addresses, prohibits, or limits theprinting, dissemination, disposal, collect-ing, recording, sending, transmitting,communicating or distribution of materialor information.

CG 00 68 05 09 Insurance Services Office, Inc., 2008 Page 1 of 1

Sample

COMMERCIAL GENERAL LIABILITYCG 21 49 09 99

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

TOTAL POLLUTION EXCLUSION ENDORSEMENT

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

Exclusion f. under Paragraph 2., Exclusions of Sec-tion I – Coverage A – Bodily Injury And PropertyDamage Liability is replaced by the following:

This insurance does not apply to:

f. Pollution

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

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

  1. (a)  Request, demand, order or statutory orregulatory requirement that any insured orothers test for, monitor, clean up, remove,contain, treat, detoxify or neutralize, or inany way respond to, or assess the effectsof "pollutants"; or
  2. (b)  Claim or suit by or on behalf of a govern-mental authority for damages because oftesting for, monitoring, cleaning up, remov-ing, containing, treating, detoxifying or neu-tralizing, or in any way responding to, orassessing the effects of, "pollutants".

CG 21 49 09 99 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 

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