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City Of Twin Falls-24-25 Excess Renewal (1)
TRAVELERS J� Report Claims Immediately by Calling 1-800-238-6225 Speak directly with a claim professional 24 hours a day,365 days a year *Unless Your Policy Requires Written Notice or Reporting EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE POLICY A Custom Insurance Policy Prepared for: CITY OF TWIN FALLS 321 2ND AVE E TWIN FALLS ID 83301 EU 00 06 0716 (Rev.09-18) © 2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 This policy consists of this policy cover,the Policy Declarations and the Policy Forms, and endorsements listed in that declaration form. In return for payment of the premium,we agree with the Named Insured to provide the insurance afforded by this policy.That insurance will be provided by the company indicated as insuring company in the Declarations by the abbreviation of its name. The company listed below (a stock company) has executed this policy, but it is valid only if countersigned on the Declarations by our authorized representative. Travelers Property Casualty Company of America(TI L) President Secretary EU 00 06 0716 (Rev.09-18) © 2016 The Travelers Indemnity Company.All rights reserved. Page 2 of 2 POLICY INFORMATION IA► THIS IS NOT A BILL. TRAVELERS J YOUR POLICY IS DIRECTLY BILLED. IF THIS IS A POLICY CHANGE, THE ADDITIONAL OR RETURN PREMIUM WILL BE SHOWN ON FUTURE INSTALLMENT BILLINGS. IF ALL INSTALLMENTS HAVE BEEN BILLED, THE PREMIUM CHANGE WILL BE BILLED OR CREDITED PROMPTLY. A BILL WILL BE SENT TO: THEINSURED Company:TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA CITY OF TWIN FALLS Policy Inception/Effective Date: 10/01/24 N 321 2ND AVE E Policy Number: S TWIN FALLS ID 83301 ZUP-21P80706-24-PB U Agency Number: 1160106 R E Transaction Type: D RENEWAL OF POLICY Transaction number: 001 Processing date: 10/14/2024 A HUB INTERNATIONAL G PO BOX 5099 E TWIN FALLS ID 83303 N T Policy Description Amount Surtax/ Number Surcharge ZUP-21P80706 UMBRELLA LIABILITY POLICY $20,435.00 THE PREMIUM SHOWN DOES NOT INCLUDE A PREMIUM/PAYMENT PLAN SERVICE CHARGE. IF YOU SELECTED A PREMIUM PAYMENT PLAN YOUR PAYMENT SCHEDULE/BILL WILL SHOW THIS CHARGE. THIS POLICY IS ON A 2 PAY PAYMENT PLAN. A PAYMENT SCHEDULE/BILL WILL FOLLOW SHORTLY. INSUREDCOPY 40775 Ed.12-90 Page 1 of 2 9 1990 The Travelers Indemnity Company.All rights reserved. INSURED COPY 40775 Ed.12-90 Page 2 of 2 © 1990 The Travelers Indemnity Company.All rights reserved. TRAVELER ` One Tower Square, Hartford,Connecticut 06183 POLICY DECLARATIONS POLICY NO:ZUP-211380706-24-1313 EXCESS FOLLOW-FORM AND UMBRELLA ISSUE DATE:10/14/24 LIABILITY INSURANCE POLICY INSURING COMPANY:TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA 1. NAMED INSURED AND MAILING ADDRESS: CITY OF TWIN FALLS 321 2ND AVE E TWIN FALLS ID 83301 2. POLICY PERIOD: From 10/01/2024 to 10/01/202512:01 A.M.Standard Time at your mailing address. 3. LIMITS OF INSURANCE: COVERAGES LIMITS OF LIABILITY AGGREGATE LIMITS OF LIABILITY $2,000,000 General Aggregate $2,000,000 Products-Completed Operations Aggregate EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY $2,000,000 Occurrence Limit CRISIS MANAGEMENT SERVICE EXPENSES $50,000 all Crisis Management Events 4. SELF INSURED RETENTION: $10,000 any one occurrence or event 5. PREMIUM:$20,435.00 FX_1 Flat Charge F7 Adjustable(See Premium Schedule) 6. TAXES AND SURCHARGES:$ 7. On the effective date shown in Item 2., the Excess Follow-Form And Umbrella Liability Insurance Policy numbered above includes this Declarations Page and any forms and endorsements shown on the Listing Of Forms, Endorsements And Schedule Numbers. 8. If the Schedule Of Underlying Insurance includes any coverage provided on a claims- made basis,then the following disclaimer applies. COVERAGE WILL APPLY ON A CLAIMS-MADE BASIS WHEN FOLLOWING CLAIMS-MADE UNDERLYING INSURANCE. 9. If the Schedule Of Underlying Insurance includes any coverage which includes defense expenses within the limits of liability,then the following disclaimer applies: DEFENSE EXPENSES ARE PAYABLE WITHIN, AND ARE NOT IN ADDITION TO, THE LIMITS OF INSURANCE WITH RESPECT TO SOME OR ALL OF THE COVERAGES PROVIDED. NAME AND ADDRESS OF AGENT OR BROKER: COUNTERSIGNED BY: HUB INTERNATIONAL P.O. Box 5099 Authorized Representative TWIN FALLS ID 83303-5099 Date: OFFICE:24T-SAN ANTONIO EAST EU 00 02 09 20 ©2020 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 TRAVELERS POLICY NUMBER: ZUP-21P80706-24-PB EFFECTIVE DATE: 10/01/24 ISSUE DATE: 10/14/24 LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS This listing shows the number of forms,schedules and endorsements by line of business. EU 00 02 09 20 POLICY DECLARATIONS EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY POLICY IL T8 01 10 93 FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS IL T3 68 01 21 FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE UMBRELLA/EXCESS EU 00 01 07 16 EXCESS FOLLOW FORM AND UMBRELLA LIABILITY INSURANCE COVERAGE FORM EU 00 03 08 18 SCHEDULE OF UNDERLYING INSURANCE EU 00 04 07 16 SCHEDULE OF UNDERLYING INSURANCE - CONTINUED EU 00 07 07 16 CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM & EXCLUSION OF OTHER ACTS OF TERRORISM COMMITTED OUTSIDE THE US EU 01 44 07 16 COVERAGE FOR FINANCIAL INTEREST IN FOREIGN INSURED ORGANIZATIONS EU 01 79 09 20 FAILURE TO SUPPLY EXCLUSION - COVERAGES A AND B EU 01 89 07 16 FUNGI OR BACTERIA EXCLUSION - COVERAGES A AND B EU 02 08 07 16 MOBILE EQUIPMENT RACING EXCLUSION - COVERAGE B EU 02 09 08 18 NUCLEAR ENERGY LIABILITY EXCLUSION (BROAD FORM) - COVERAGES A AND B EU 02 34 07 16 AMENDMENT OF COVERAGE - DEFINITIONS EU 02 50 07 16 PUBLIC USE OF PRIVATE PROPERTY EXCLUSION - COVERAGES A AND B EU 02 85 07 16 UNMANNED AIRCRAFT EXCLUSION - COVERAGE B EU 02 90 07 16 WATERCRAFT LIABILITY EXCLUSION - COVERAGE B EU 03 02 03 17 FOLLOW-FORM LIMITATION-COVERAGE B EU 03 13 08 18 AMENDMENT OF EMPLOYMENT-RELATED PRACTICES EXCLUSION - FOLLOW-FORM EXCEPTION - COVERAGE A EU 03 15 08 18 AMENDMENT OF UNDERLYING INSURANCE DEFINITION EU 03 17 08 18 AMENDMENT OF WHO IS AN INSURED - EMPLOYEE AND VOLUNTEER WORKERS - COVERAGE B EU 03 31 08 18 DISCRIMINATION EXCLUSION - COVERAGE B EU 03 40 08 18 DESIGNATED ACTIVITIES OR OPERATIONS EXCLUSION - COVERAGE B EU 03 42 08 18 INJURY TO VOLUNTEER FIREFIGHTERS EXCLUSION - COVERAGE B EU 03 43 08 18 LAW ENFORCEMENT ACTIVITIES OR OPERATIONS EXCLUSION - COVERAGE B EU 03 44 08 18 LEAD EXCLUSION - COVERAGE B EU 03 46 08 18 NON CUMULATION OF OCCURRENCE LIMIT EU 03 49 08 18 POLLUTION NOT RELATED TO AUTOS EXCLUSION - PUBLIC ENTITIES OR INDIAN TRIBES - COVERAGE A EU 03 55 09 18 PROFESSIONAL HEALTH CARE SERVICES EXCLUSION WITH LIMITED EXCEPTION FOR DESIGNATED PROFESSIONS - COVERAGE A AND B EU 03 65 08 18 STATUTORY CAP LIMITS OF INSURANCE ENDORSEMENT EU 04 01 10 19 ABUSE OR MOLESTATION EXCLUSION - COVERAGES A AND B - WITH LIMITED FOLLOW-FORM EXCEPTION EU 04 21 09 21 INTELLECTUAL PROPERTY EXCLUSION - COVERAGE B EU 04 41 09 22 PFAS EXCLUSION - COVERAGES A AND B ILT8011093 Page 1 of 2 ILT8011093 Page 2 of 2 IMPORTANT NOTICE - INDEPENDENT AGENT AND BROKER COMPENSATION NO COVERAGE IS PROVIDED BY THIS NOTICE.THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE,THE PROVISIONS OF YOUR POLICY PREVAIL. For information about how Travelers compensates independent agents and brokers, please visit www.travelers.com, call our toll-free telephone number 1-866-904-8348, or request a written copy from Marketing at One Tower Square,2GSA, Hartford,CT 06183. PN T4 54 0108 Page 1 of 1 DIRECT CLAIM REPORTING 1 - 800 - 238 - 6225 Direct dial claim service can go a long way toward meeting your needs when it counts.The service enables you to report any claim* directly to a claim service representative. It is a toll free number (1-800-238-6225)which puts you in touch with the Telephone Claim Reporting Center. It's convenient covering the loss,and if so name,address,phone The toll free Telephone Claim Reporting Center number, and claim numbers of the insurance operates 24 hours a day, seven days a week, 365 company. days a year.You can report your claims*immediately How Your Claim Is Handled -day or night. To Report a claim*,just dial 1-800-238-6225 and a It's efficient Telephone Reporting Claim Service Center You only need one telephone reporting number Representative will: (1-800-238-6225)to report any type of claim*. Gather pertinent information It's responsive We will ask you a series of questions about the claim The pertinent claim information is logged in to obtain all the necessary information to quickly electronically as you speak with one of our determine coverage/liability. Telephone Reporting Claim Service Center Next Steps Representatives. You are given a claim file number After gathering the information that we need, during this important first call,which will enable easy regardless of the type of claim, a claim follow-up on the status of your claim. representative will contact you to discuss the When You Call actions they will take, and most importantly, to Your needs can best be served if you have the answer any questions that you may have. following information on hand when you call: In addition to claims personnel, you can also call • Name of business as it appears on the policy your agent for advice about your claim and to help and/or your policy number you with any other insurance needs. • Date and time at which the accident or loss You can help speed up the process if: occurred • until your claim is reported, you take whatever • State and location at which the accident or loss reasonable action is necessary to protect the occurred property from any further damage. • Detailed description of the accident or loss • You notify your claim representative • Names, addresses, and phone numbers of immediately if you have any additional anyone injured or anyone else involved, including information or if you are contacted by another any witnesses insurance company. • A complete description of the property or To protect your rights under the policy, remember vehicle in the accident or loss to report all incidents, even if you are not sure a • Name of your agent or broker claim will be made. • Advise what property or extra expense is involved • Advise if there is any other insurance available *Unless your policy requires written notice or reporting. PN T5 2412 09 Page 1 of 1 IMPORTANT NOTICE - LEAD EXCLUSION NO COVERAGE IS PROVIDED BY THIS NOTICE.THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE,THE PROVISIONS OF YOUR POLICY PREVAIL. Your policy contains a Lead exclusion. PN T1941121 ©2021 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM CYBERFIRST GENERAL PROVISIONS FORM EMPLOYEE BENEFITS LIABILITY COVERAGE PART EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART EMPLOYMENT PRACTICES LIABILITY'WITH IDENTITY FRAUD EXPENSE REIMBURSEMENT COVERAGE PART ENVIRONMENTAL HAZARD POLICY EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE EXCESS(FOLLOWING FORM)LIABILITY INSURANCE LAW ENFORCEMENT LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART MANUFACTURERS ERRORS AND OMISSIONS LIABILITY COVERAGE PART MEDFIRST PRODUCTS/COMPLETED OPERATIONS, ERRORS AND OMISSIONS,AND INFORMATION SECURITY LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY- NEW YORK DEPARTMENT OF TRANSPORTATION TRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PART Any other Commercial Liability coverage included in this policy that is subject to the federal Terrorism Risk Insurance Act of 2002 as amended PROVISIONS "Insurer Deductible" (as defined in TRIA, subject to The federal Terrorism Risk Insurance Act of 2002 as the "Program Trigger" (as defined in TRIA. In no amended ("TRIA") establishes a program under event, however, will the Federal Government be which the Federal Government may partially required to pay any portion of the amount of such reimburse "Insured Losses" (as defined in TRIA) Insured Losses occurring in a calendar year that in caused by "Acts Of Terrorism" (as defined in TRIA). the aggregate exceeds $100 billion, nor will any Act Of Terrorism is defined in Section 102(1) of TRIA Insurer be required to pay any portion of such to mean any act that is certified by the Secretary of amount provided that such Insurer has met its the Treasury - in consultation with the Secretary of Insurer Deductible. Therefore,if such Insured Losses Homeland Security and the Attorney General of the occurring in a calendar year exceed $100 billion in United States - to be an act of terrorism; to be a the aggregate, the amount of any payments by the violent act or an act that is dangerous to human life, Federal Government and any coverage provided by property, or infrastructure; to have resulted in this policy for losses caused by Acts Of Terrorism damage within the United States, or outside the may be reduced. United States in the case of certain air carriers or For each coverage provided by this policy that vessels or the premises of a United States Mission; applies to such Insured Losses, the charge for such and to have been committed by an individual or Insured Losses is included in the premium for such individuals as part of an effort to coerce the civilian coverage. The charge for such Insured Losses that population of the United States or to influence the has been included for each such coverage is the policy or affect the conduct of the United States percentage of the premium for such coverage Government by coercion. indicated below, and does not include any charge for The Federal Government's share of compensation the portion of such Insured Losses covered by the for such Insured Losses is 80% of the amount of Federal Government under TRIA: such Insured Losses in excess of each Insurer's 11%• IL T3 68 0121 ©2020 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. UMBRELLA EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE THIS POLICY, IN PART, PROVIDES FOLLOW-FORM LIABILITY COVERAGE. COVERAGE WILL APPLY ON A CLAIMS-MADE BASIS WHEN FOLLOWING CLAIMS-MADE UNDERLYING INSURANCE. COVERAGE WILL APPLY ON A DEFENSE-WITHIN-LIMITS BASIS WHEN FOLLOWING UNDERLYING INSURANCE UNDER WHICH DEFENSE EXPENSES ARE PAYABLE WITHIN, AND NOT IN ADDITION TO, THE LIMITS OF INSURANCE. WHEN FOLLOWING SUCH UNDERLYING INSURANCE, PAYMENT OF DEFENSE EXPENSES UNDER THIS POLICY WILL REDUCE, AND MAY EXHAUST, THE LIMITS OF INSURANCE OF THIS POLICY. PLEASE READ THE ENTIRE POLICY CAREFULLY. Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy,the words "you" and "your" refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words "we", "us" and "our" refer to the company providing this insurance. The word "insured" means any person or organization qualifying as such under SECTION II - WHO IS AN INSURED. Other words and phrases that appear in quotation marks have special meaning. Refer to SECTION VI - DEFINITIONS. SECTION I - COVERAGES 3. The amount we will pay for damages is A. COVERAGE A - EXCESS FOLLOW-FORM limited as described in SECTION III - LIABILITY LIMITS OF INSURANCE. 1. We will pay on behalf of the insured those 4. For the purposes of Paragraph 1.above: sums,in excess of the"applicable underlying a. The applicable limit of insurance stated limit", that the insured becomes legally for the policies of"underlying insurance" obligated to pay as damages to which in the Schedule Of Underlying Insurance Coverage A of this insurance applies, will be considered to be reduced or provided that the "underlying insurance" exhausted only by the following would apply to such damages but for the payments: exhaustion of its applicable limits of (1) Payments of judgments or insurance. If a sublimit is specified in any settlements for damages that are " gunderlying insurance", Coverage A of this covered by that "underlying insurance applies to damages that are in insurance". However, if such excess of that sublimit only if such sublimit is "underlying insurance" has a policy shown for that "underlying insurance" in the period which differs from the policy Schedule Of Underlying Insurance. period of this Excess Follow-Form 2. Coverage A of this insurance is subject to And Umbrella Liability Insurance,any the same terms, conditions, agreements, such payments for damages that exclusions and definitions as the"underlying would not be covered by this Excess insurance", except with respect to any Follow- Form And Umbrella Liability provisions to the contrary contained in this Insurance because of its different insurance. policy period will not reduce or exhaust the applicable limit of EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 23 UMBRELLA insurance stated for such 5. When the "underlying insurance" applies on "underlying insurance"; a claims-made basis and includes a (2)Payments of "medical expenses" retroactive date provision, the retroactive that are covered by that "underlying date for Coverage A of this insurance is the insurance" and are incurred for same as the retroactive date of that "bodily injury" caused by an accident "underlying insurance". that takes place during the policy B. COVERAGE B - UMBRELLA LIABILITY period of this Excess Follow-Form And Umbrella Liability Insurance;or 1. We will pay on behalf of the insured those sums in excess of the "self-insured (3)Payments of defense expenses that retention" that the insured becomes legally are covered by that "underlying obligated to pay as damages because of insurance", only if such "underlying "bodily injury", "property damage", insurance" includes such payments "personal injury" or "advertising injury" to within the limits of insurance. which Coverage B of this insurance applies. However, if such "underlying insurance" has a policy period which 2. Coverage B of this insurance applies to differs from the policy period of this "bodily injury"or"property damage"only if: Excess Follow-Form And Umbrella a. The"bodily injury"or "property damage" Liability Insurance, any such is caused by an "occurrence" that takes payments for defense expenses that place anywhere in the world; would not be covered by this Excess b. The"bodily injury"or "property damage" Follow-Form And Umbrella Liability occurs during the policy period;and Insurance because of its different policy period will not reduce or C. Prior to the policy period, no insured exhaust the applicable limit of listed under Paragraph 1. in Paragraph insurance stated for such B., COVERAGE B - UMBRELLA "underlying insurance". LIABILITY, of SECTION II - WHO IS If the applicable limit of insurance stated AN INSURED and no "employee" for the policies of"underlying insurance" authorized by you to give or receive in the Schedule Of Underlying Insurance notice of an "occurrence" or claim, knew is actually reduced or exhausted by that the "bodily injury" or "property other payments, Coverage A of this damage" had occurred, in whole or in insurance is not invalidated. However, in part. If such a listed insured or the event of a loss we will pay only to authorized "employee" knew, prior to the extent that we would have paid had the policy period,that the"bodily injury" such limit not been actually reduced or or"property damage"occurred, in whole exhausted by such other payments. or in part,then any continuation, change or resumption of such "bodily injury" or b. If any "underlying insurance" has a limit "property damage" during or after the of insurance greater than the amount policy period will be deemed to have shown for that insurance in the Schedule been known prior to the policy period. of Underlying Insurance, this insurance will apply in excess of that greater 3. Coverage B of this insurance applies to amount. If any "underlying insurance" "personal injury" or "advertising injury" has a limit of insurance, prior to any caused by an offense arising out of your reduction or exhaustion by payment of business, but only if the offense was committed during the policy period damages,"medical expenses" or defense anywhere in the world. expenses described in Paragraph a. above, that is less than the amount 4. The amount we will pay for damages is shown for that insurance in the Schedule limited as described in SECTION III - Of Underlying Insurance, this insurance LIMITS OF INSURANCE. will apply in excess of the amount shown for such insurance in the Schedule Of 5. "Bodily injury"or"property damage": Underlying Insurance. a. Which occurs during the policy period; and EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 2 of 23 UMBRELLA b. Which was not prior to, but was during, that first commences during the policy the policy period known to have period; occurred by any insured listed under b. Are incurred by the insured, after a Paragraph 1. in Paragraph B., "crisis management event" first COVERAGE B - UMBRELLA commences and before such event ends; LIABILITY of SECTION II - WHO IS and AN INSURED, or any "employee" C. Are submitted to us within 180 days authorized by you to give notice of an after the "crisis management advisor" "occurrence"or claim; advises you that the "crisis management includes any continuation, change or event"no longer exists. resumption of the "bodily injury" or 3. A"crisis management event" will be deemed "property damage" after the end of the policy period. to: a. First commence at the time when any 6. "Bodily injury" or "property damage" will be "executive officer" first becomes aware deemed to have been known to have of an "event" or "occurrence" that leads occurred at the earliest time when any to that"crisis management event";and insured listed under Paragraph 1. in b. End when we decide that the crisis no Paragraph B., COVERAGE B - UMBRELLA LIABILITY, of SECTION II - longer exists or when the Crisis Management Service Expenses Limit has WHO IS AN INSURED or any "employee" been exhausted,whichever occurs first. authorized by you to give or receive notice of an"occurrence"or claim: 4. The amount we will pay for "crisis management service expenses" is limited as a. Reports all, or any part, of the "bodily described in SECTION III - LIMITS OF injury"or"property damage"to us or any INSURANCE. other insurer; b. Receives a written or verbal demand or 5. A "self-insured retention" does not apply to claim for damages because of the"bodily "crisis management service expenses". injury"or"property damage";or 6. Any payment of "crisis management service C. Becomes aware by any other means that expenses" that we make will not be the "bodily injury" or"property damage" determinative of our obligations under this has occurred or has begun to occur. insurance with respect to any claim or"suit" 7. Damages because of "bodily injury" include or create any duty to defend or indemnify damages claimed by any person or any insured for any claim or"suit". organization for care, loss of services or D. DEFENSE AND SUPPLEMENTARY death resulting at any time from the "bodily PAYMENTS injury". 1. We will have the right and duty to defend the S. Coverage B of this insurance does not apply insured: to damages covered by any "underlying „ insurance" or that would have been covered a. Under Coverage A, against a suit by any "underlying insurance" but for the seeking damages to which such coverage exhaustion of its applicable limit of applies,if: insurance. (1) The "applicable underlying limit" is C. COVERAGE C - CRISIS MANAGEMENT the applicable limit of insurance SERVICE EXPENSES stated for a policy of "underlying insurance" in the Schedule Of 1. We will reimburse the insured,or pay on the Underlying Insurance and such limit insured's behalf, "crisis management service has been exhausted solely due to expenses"to which Coverage C applies. payments as permitted in 2. Coverage C of this insurance applies to Paragraphs 4.a.(1), (2) and (3) of "crisis management service expenses"that: COVERAGE A - EXCESS FOLLOW-FORM LIABILITY of a. Arise out of a"crisis management event" SECTION I - COVERAGES;or EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 3 of 23 UMBRELLA (2)The "applicable underlying limit" is but only for bond amounts within the the applicable limit of any "other applicable limit of insurance. We do not insurance" and such limit has been have to furnish these bonds. exhausted by payments of C. All reasonable expenses incurred by the judgments, settlements or medical insured at our request to assist us in the expenses, or related costs or investigation or defense of such claim or expenses (if such costs or expenses "suit", including actual loss of earnings reduce such limits). up to $1,000 a day because of time off For any"suit"for which we have the right from work. and duty to defend the insured under d. All court costs taxed against the insured Coverage A, defense expenses will be in the "suit". However, these payments within the limits of insurance of this do not include attorneys' fees or policy when such expenses are within attorneys' expenses taxed against the the limits of insurance of the applicable insured. "underlying insurance";or e. Prejudgment interest awarded against b. Under Coverage B, against a "suit" the insured on that part of the judgment seeking damages to which such coverage we pay. If we make an offer to pay the applies. applicable limit of insurance, we will not 2. We have no duty to defend any insured pay any prejudgment interest based on against any"suit": that period of time after the offer. f. All interest that accrues on the full a. Seeking damages to which this insurance amount of any judgment after entry of does not apply;or the judgment and before we have paid, b. If any other insurer has a duty to defend. offered to pay or deposited in court the 3. When we have the duty to defend, we may, part of the judgment that is within the at our discretion, investigate and settle any applicable limit of insurance.If we do not claim or "suit". In all other cases, we may, at pay part of the judgment for any reason our discretion, participate in the other than it is more than the applicable investigation,defense and settlement of any limit of insurance, we will not pay any claim or "suit" for damages to which this interest that accrues on that portion of insurance may apply.a I If we exercise such thejudgment. right to participate, all expenses we incur in With respect to a claim we investigate or doing so will not reduce the applicable limits settle,or"suit" against an insured we defend of insurance. under COVERAGE A - EXCESS 4. Our duty to defend ends when we have used FOLLOW-FORM LIABILITY, these up the applicable limit of insurance in the payments will not reduce the applicable payment of judgments or settlements, or limits of insurance, but only if the applicable defense expenses if such expenses are underlying insurance provides for such payments in addition to its limits of within the limits of insurance of this policy. insurance. With respect to a claim we 5. We will pay, with respect to a claim we investigate or settle, or "suit" against an investigate or settle, or "suit" against an insured we defend under COVERAGE B - insured we defend: UMBRELLA LIABILITY, these payments a. All expenses we incur. will not reduce the applicable limits of b. The cost of: insurance. (1) Bail bonds required because of SECTION II -WHO IS AN INSURED accidents or traffic law violations A. COVERAGE A - EXCESS FOLLOW-FORM arising out of the use of any vehicle LIABILITY to which this insurance applies;or With respect to Coverage A, the following (2)Appeal bonds and bonds to release persons and organizations qualify as insureds: attachments; 1. The Named Insured shown in the Declarations;and EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 4 of 23 UMBRELLA 2. Any other person or organization qualifying e. A trust, your trustees are also insureds, as an insured in the"underlying insurance".If but only with respect to their duties as you have agreed to provide insurance for trustees. that person or organization in a written 3. Each of the following is also an insured: contract or agreement: a. The limits of insurance afforded to such a. Your "volunteer workers" only while person or organization will be: performing duties related to the conduct of your business, or your "employees", (1) The amount by which the minimum other than either your "officers" (if you limits of insurance you agreed to are an organization other than a provide such person or organization partnership, joint venture or limited in that written contract or liability company) or your managers (if agreement exceed the total limits of you are a limited liability company), but insurance of all applicable only for acts within the scope of their "underlying insurance";or employment by you or while performing (2)The limits of insurance of this policy; duties related to the conduct of your whichever is less;and business. However, none of these b. Coverage under this policy does not "employees" or "volunteer workers" are apply to such person or organization if insureds for: the minimum limits of insurance you (1) "Bodily injury"or"personal injury": agreed to provide such person or (a)To you, to your partners or organization in that written contract or members (if you are a agreement are wholly within the total partnership or joint venture), to limits of insurance of all available your members (if you are a applicable"underlying insurance". limited liability company), to a B. COVERAGE B - UMBRELLA LIABILITY co-"employee" while in the course of his or her employment With respect to Coverage B: or performing duties related to 1. The Named Insured shown in the the conduct of your business, or Declarations is an insured. to your other "volunteer workers" while performing 2. If you are: duties related to the conduct of a. An individual, your spouse is also an your business; insured, but only with respect to the (b)To the spouse, child, parent, conduct of a business of which you are brother or sister of that the sole owner. co-"employee" or "volunteer b. A partnership or joint venture, your worker" as a consequence of members, your partners and their Paragraph(1)(a)above; spouses are also insureds, but only with (C) For which there is any obligation respect to the conduct of your business. to share damages with or repay C. A limited liability company, your someone else who must pay members are also insureds,but only with damages because of the injury respect to the conduct of your business. described in Paragraph(1)(a) or Your managers are also insureds, but (b)above;or only with respect to their duties as your (d)Arising out of his or her managers. providing or failing to provide d. An organization other than a professional health care partnership, joint venture or limited services. liability company, your "officers" and Unless you are in the business or directors are also insureds, but only with occupation of providing professional respect to their duties as your "officers" health care services, Paragraphs or directors. Your stockholders are also (1)(a), (b), (C) and (d) above do insureds, but only with respect to their not apply to "bodily injury" arising liability as stockholders. out of providing or failing to provide EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 5 of 23 UMBRELLA first aid or "Good Samaritan you no longer maintain an ownership services"by any of your"employees" interest of more than 50% in such or"volunteer workers"other than an organization. employed or volunteer doctor. Any 5. Any organization you newly acquire or form, such "employees" or "volunteer other than a partnership, joint venture or workers" providing or failing to limited liability company, and of which you provide first aid or"Good Samaritan are the sole owner, or in which you maintain services" during their work hours for an ownership interest of more than 50%, is you will be deemed to be acting an insured and will qualify as a Named within the scope of their Insured if there is no other similar insurance employment by you or performing available to that organization. However: duties related to the conduct of your business. a. Coverage under this provision is (2)"Property damage"to property: afforded only until the 180t" day after (a)Owned,occupied or used by;or you acquire or form the organization or the end of the policy period,whichever is (b)Rented to, in the care, custody earlier;and or control of, or over which b. Coverage for such organization does not physical control is being apply to: exercised for any purpose by; (1) "Bodily injury" or"property damage" you, any of your "employees" or "volunteer workers", any of your that occurred;or partners or members (if you are a (2)"Personal injury" or "advertising partnership or joint venture), or any injury" arising out of an offense of your members(if you are a limited committed; liability company). before you acquired or formed the b. Any person (other than your"employee" organization. or "volunteer worker"), or any No person or organization is an insured or will organization, while acting as your real qualify as a Named Insured with respect to the estate manager. conduct of any current or past partnership,joint C. Any person or organization having venture or limited liability company that is not proper temporary custody of your shown as a Named Insured in the Declarations. property if you die,but only: This paragraph does not apply to any such partnership, joint venture or limited liability (1) With respect liability arising out company that otherwise qualifies as an insured of the maintenance or use of that under Paragraph B. of SECTION II - WHO IS property;and AN INSURED. (2)Until your legal representative has been appointed. C. COVERAGE C - CRISIS MANAGEMENT d. Your legal representative if you die, but SERVICE EXPENSES only with respect to duties as such.That With respect to Coverage C, the following representative will have all your rights persons and organizations are insureds and will and duties under this insurance. qualify as Named Insureds: 4. Any organization, other than a partnership, 1. The Named Insured shown in the joint venture or limited liability company, of Declarations. which you are the sole owner,or in which you 2. Any organization, other than a partnership, maintain an ownership interest of more than 5 joint venture or limited liability company, of 0%, on the first day of the policy period is which you are the sole owner,or in which you an insured and will qualify as a Named Insured. No such organization is an insured maintain an ownership interest of more than 50 or will qualify as a Named Insured for "bodily /°,on the first day of the policy period. No such organization is an insured or will qualify injury" or "property damage" that occurred as a Named Insured for "crisis management or "personal injury" or "advertising injury" service expenses" arising out of a "crisis caused by an offense committed after the management event" that first commences date, if any, during the policy period, that after the date, if any, during the policy EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 6 of 23 UMBRELLA period, that you no longer maintain an B. The General Aggregate Limit is the most we will ownership interest of more than 50% in pay forthe sum of all: such organization. 1. Damages;and 3. Any organization you newly acquire or form, other than a partnership, joint venture or 2. Defense expenses if such expenses are limited liability company, and of which you within the limits of insurance of this policy; are the sole owner, or in which you maintain except: an ownership interest of more than 50%, if 1. Damages and defense expenses because of there is no other similar insurance available "bodily injury" or "property damage" to that organization. However: included in the"auto hazard"; a. Coverage under this provision is afforded only until the 180th day after 2. Damages and defense expenses because of you acquire or form the organization or "bodily injury" or "property damage" the end of the policy period,whichever is included in the "products-completed earlier;and operations hazard";or b. Coverage for such organization does not 3. Damages and defense expenses for which apply to "crisis management service insurance is provided under any Aircraft expenses" arising out of a "crisis Liability coverage included as "underlying management event" that occurred insurance" to which no aggregate limit before you acquired or formed the applies. organization, even if an "executive C. The Products-Completed Operations Aggregate officer" only first becomes aware of an Limit is the most we will a for the sum of all: "event" or "occurrence" that leads to pay such "crisis management event" after 1. Damages;and the date you acquired or formed the 2. Defense expenses if such expenses are organization. within the limits of insurance of this policy; No person or organization is an insured or will because of"bodily injury" or "property damage" qualify as a Named Insured with respect to the included in the "products-completed operations conduct of any current or past partnership,joint hazard". venture or limited liability company that is not shown as a Named Insured in the Declarations. D. Subject to Paragraph B. or C. above, whichever SECTION III - LIMITS OF INSURANCE applies,the Occurrence Limit is the most we will pay for the sum of all: A.The Limits of Insurance shown in the Declarations 1. Damages, and defense expenses if such and the rules below fix the most we will pay for expenses are within the limits of insurance of the amounts described below to which this this policy, under Coverage A arising out of insurance applies regardless of the number of: any one "event" to which the "underlying 1. Insureds; insurance"applies a limit of insurance that is 2. Claims made or"suits"brought; separate from any aggregate limit of insurance ;and 3. Number of vehicles involved; 2. Damages under Coverage B because of all 4. Persons or organizations making claims or "bodily injury", "property damage", bringing"suits";or "personal injury" or "advertising injury" 5. Coverages provided under this insurance. arising out of any one"occurrence". As indicated in Paragraph D.1. of SECTION I - For the purposes of determining the applicable Occurrence Limit, all related acts or omissions COVERAGES, for any "suit" for which we have committed in the providing or failing to provide the right and duty to defend the insured under first aid or "Good Samaritan services" to any one Coverage A, defense expenses will be within the person will be considered one"occurrence". limits of insurance of this policy when such expenses are within the limits of insurance of the E. The Crisis Management Service Expenses Limit is applicable"underlying insurance". the most we will pay for the sum of all "crisis management service expenses" arising out of all "crisis management events". Payment of such EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 7 of 23 UMBRELLA "crisis management service expenses" is in 2. Employment-Related Practices addition to, and will not reduce, any other limit Damages because of injury to: of insurance of this policy. F. The limits of insurance of this policy apply a. A person arising out of any: separately to each consecutive annual period (1) Refusal to employ that person; and to any remaining period of less than 12 (2)Termination of that person's months,starting with the beginning of the policy employment;or period shown in the Declarations. If the policy (3)Employment-related practice, period is extended after issuance for an policy, act or omission, such as additional period of less than 12 months, the coercion, demotion, evaluation, additional period will be deemed part of the last reassignment, discipline, failure to preceding period for purposes of determining promote or advance, harassment, the limits of insurance. humiliation, discrimination, libel, SECTION IV- EXCLUSIONS slander, violation of the person's This insurance does not apply to: right of privacy, malicious prosecution or false arrest, A. With respect to Coverage A and Coverage B: detention or imprisonment, applied 1. Asbestos to or directed at that person, regardless of whether such practice, a. Damages arising out of the actual or policy, act or omission occurs, is alleged presence or actual, alleged or applied or is committed before, threatened dispersal of asbestos, during or after the time of that asbestos fibers or products containing person's employment;or asbestos,provided that the damages are b. The spouse, child, parent, brother or caused or contributed to by the sister of that person as a consequence of hazardous properties of asbestos. injury to that person as described in b. Damages arising out of the actual or Paragraphs a.(1),(2)or(3)above. alleged presence or actual, alleged or This exclusion applies: threatened dispersal of any solid, liquid, gaseous or thermal irritant or a. Whether the insured may be liable as contaminant, including smoke, vapors, an employer or in any other capacity; soot,fumes, acids,alkalis, chemicals and and waste, and that are part of any claim or b. To any obligation to share damages "suit" which also alleges any damages with or repay someone else who described in Paragraph a.above. must pay damages because of the C. Any loss, cost or expense arising out of injury. any: 3. ERISA,COBRA And Similar Laws (1) Request,demand,order or statutory Any obligation of the insured under: or regulatory requirement that any a. The Employees Retirement Income insured or others test for, monitor, Security Act Of 1974 (ERISA) or any of clean up, remove, contain, treat, its amendments; detoxify or neutralize, or in any way respond to, or assess the effects of, b. The Consolidated Omnibus Budget asbestos, asbestos fibers or Reconciliation Act of 1985 (COBRA) or products containing asbestos;or any of its amendments;or (2)Claim or "suit" by or on behalf of any C. Any similar common or statutory law of governmental authority or any other any jurisdiction. person or organization because of 4. Medical Expenses Or Payments testing for, monitoring, cleaning up, Any obligation of the insured under any removing, containing, treating, of detoxifying or neutralizing, or in any medical expenses or medical payments way responding to, or assessing the coverage. effects of, asbestos, asbestos fibers 5. Nuclear Material or products containing asbestos. Damages arising out of: EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 8 of 23 UMBRELLA a. The actual, alleged or threatened B.With respect to Coverage B: exposure of any person or property to; 1. Expected Or Intended Bodily Injury Or or Property Damage b. The"hazardous properties"of; Bodily injury or property damage„ any"nuclear material". expected or intended from the standpoint of As used in this exclusion: the insured. This exclusion does not apply to a. "Hazardous properties" includes "bodily injury" or "property damage" radioactive, toxic or explosive resulting from the use of reasonable force to properties; protect persons or property. b. "Nuclear material" means "source 2. Contractual Liability material", "special nuclear material" or "Bodily injury", "property damage", "by-product material";and "personal injury" or "advertising injury" for C. "Source material", "special nuclear which the insured is obligated to pay material" and "by-product material" damages by reason of the assumption of have the meanings given them in the liability in a contract or agreement. This Atomic Energy Act of 1954 or any of its exclusion does not apply to liability for amendments. damages that the insured would have in the 6. Uninsured or Underinsured Motorists, absence of the contract or agreement. No-Fault And Similar Laws 3. Liquor Liability Any liability imposed on the insured, or the "Bodily injury" or "property damage" for insured's insurer, under any of the following which any insured may be liable by reason of: laws: a. Causing or contributing to the a. Uninsured motorists; intoxication of any person, including b. Underinsured motorists; causing or contributing to the C. Auto no-fault or other first-party intoxication of any person because personal injury protection(PIP); alcoholic beverages were permitted to be brought on your premises for d. Supplementary uninsured/underinsu red consumption on your premises; motorists(New York);or b. The furnishing of alcoholic beverages to e. Medical expense benefits and income a person under the legal drinking age or loss benefits(Virginia). under the influence of alcohol;or 7. War C. Any statute, ordinance or regulation Damages arising out of: relating to the sale, gift, distribution or use of alcoholic beverages. a. War,including undeclared or civil war;or b. Warlike action by a military force, 4. Employers Liability including action in hindering or "Bodily injury"to: defending against an actual or expected a. An"employee" of the insured arising out attack, by any government, sovereign or of and in the course of: other authority using military personnel (1) Employment by the insured;or or other agents;or C. Insurrection, rebellion, revolution, (2)Performing duties related to the usurped power or action taken by conduct of the insured s business;or governmental authority in hindering or b. The spouse, child, parent, brother or defending against any of these. sister of that "employee" as a consequence of"bodily injury" described 8. Workers Compensation And Similar in Paragraph a.above. Laws This exclusion applies: Any obligation of the insured under a a. Whether the insured may be liable as an workers compensation, disability benefits or employer or in any other capacity;and unemployment compensation law or any b. To any obligation to share damages with similar law. EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 9 of 23 UMBRELLA or repay someone else who must pay other wrongdoing in the supervision, hiring, damages because of the"bodily injury". employment, training or monitoring of 5. Pollution others by that insured, if the "occurrence" which caused the "bodily injury"or"property a. "Bodily injury", "property damage", damage" involved the ownership, "personal injury" or "advertising injury" maintenance, use or entrustment to others arising out of the actual, alleged or of any"auto". threatened discharge, dispersal, This exclusion does not apply to "bodily seepage, migration, release or escape of injury" or "property damage" caused by an "pollutants". "occurrence" that takes place outside of the b. Any loss, cost or expense arising out of United States of America (including its any: territories and possessions), Puerto Rico (1) Request,demand,order or statutory and Canada. or regulatory requirement that any S. Watercraft insured or any other person or "Bodily injury" or "property damage" arising organization test for, monitor, clean up, remove, contain, treat, detoxify out of the ownership, maintenance, use or or neutralize, or in any way respond entrustment to others of any watercraft to, or assess the effects of, owned or operated by or rented or loaned to "pollutants"•or any insured. Use includes operation and ' "loading or unloading". (2)Claim or "suit" by or on behalf of any This exclusion applies even if the claims governmental authority or any other against any insured allege negligence or person or organization because of other wrongdoing in the supervision, hiring, testing for, monitoring, cleaning up, employment, training or monitoring of removing, containing, treating, others by that insured, if the "occurrence" detoxifying or neutralizing, or in any which caused the "bodily injury"or"property way responding to, or assessing the damage" involved the ownership, effects of,"pollutants". maintenance, use or entrustment to others 6. Aircraft of any watercraft that is owned or operated "Bodily injury" or "property damage" arising by or rented or loaned to any insured. out of the ownership, maintenance, use or This exclusion does not apply to a entrustment to others of any aircraft owned watercraft: or operated by or rented or loaned to any a. While ashore on premises owned by or insured.Use includes operation and"loading rented to any insured;or or unloading". b. That is 50-feet long or less and that: This exclusion applies even if the claims (1) You own;or against any insured allege negligence or other wrongdoing in the supervision, hiring, (2)You do not own and is not being employment, training or monitoring of used to carry any person or property others by that insured, if the "occurrence" for a charge. which caused the "bodily injury"or"property g, Electronic Data damage" involved the ownership, maintenance, use or entrustment to others Damages claimed for the loss of, loss of use of any aircraft that is owned or operated by of, damage to, corruption of, inability to or rented or loaned to any insured. access, or inability to manipulate "electronic data". 7. Auto 10. Damage To Property, Products Or "Bodily injury" or "property damage" arising Work out of the ownership, maintenance, use or entrustment to others of any "auto". Use "Property damage"to: includes operation and "loading or a. Property you own, rent or occupy, unloading". including any costs or expenses incurred This exclusion applies even if the claims by you, or any other person or against any insured allege negligence or organization, for repair, replacement, EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 10 of 23 UMBRELLA enhancement, restoration or b. "Your work";or maintenance of such property for any C. "Impaired property"; reason, including prevention of injury to a person or damage to another's if such product, work or property is property; withdrawn or recalled from the market or b. Premises you sell, give away or abandon from use by any person or organization if the "property damage" arises out of because of a known or suspected defect, any part of those premises; deficiency, inadequacy or dangerous condition in it. C. Property loaned to you; 13. Violation Of Consumer Financial d. Personal property in the care,custody or Protection Laws control of the insured; "Bodily injury", "property damage", e. That particular part of real property on "personal injury" or "advertising injury" which you or any contractors or arising out of any actual or alleged violation subcontractors working directly or of a "consumer financial protection law", or indirectly on your behalf are performing any other"bodily injury","property damage", operations if the "property damage" "personal injury" or "advertising injury" arises out of those operations; alleged in any claim or"suit"that also alleges f. That particular part of any property that any such violation. must be restored, repaired or replaced 14. Unsolicited Communication because your work" was incorrectly performed on it; "Bodily injury", "property damage", g. "Your product" arising out of "your "personal injury" or "advertising injury" product"or any part of it;or arising out of any actual or alleged violation of any law that restricts or prohibits the h. "Your work" arising out of"your work"or sending, transmitting or distributing of any part of it and included in the "unsolicited communication". "products-completed operations hazard". 15. Access Or Disclosure Of Confidential 11. Damage To Impaired Property Or Or Personal Information Property Not Physically Injured "Bodily injury", "property damage", "personal injury" or "advertising injury" "Property damage" to "impaired property", arising out of any access to or disclosure of or property that has not been physically any person's or organization's confidential or injured,arising out of: personal information. a. A defect, deficiency, inadequacy or 16. Knowing Violation Of Rights Of dangerous condition in"your product"or "your work";or Another b. A delay or failure by you, or anyone "Personal injury" or "advertising injury" acting on your behalf,to fulfill the terms caused by or at the direction of the insured of a contract or agreement. with the knowledge that the act would This exclusion does not apply to the loss of violate the rights of another and would inflict u "personal injury"or"advertising injury". use of other property arising out of sudden and accidental physical injury to "your 17. Material Published With Knowledge Of product"or"your work"after it has been put Falsity to its intended use. "Personal injury" or "advertising injury" 12. Recall Of Products, Work Or Impaired arising out of oral or written publication, Property including publication by electronic means,of Damages claimed for any loss, cost or material,if done by or at the direction of the expense incurred by you or others for the insured with knowledge of its falsity. loss of use, withdrawal, recall, inspection, 18. Material Published Or Used Prior To repair, replacement, adjustment, removal or Policy Period disposal of: a. "Personal injury" or "advertising injury" a. "Your product"; arising out of oral or written publication, EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 11 of 23 UMBRELLA including publication by electronic b. Any other "personal injury" or means, of material whose first "advertising injury" alleged in any claim publication took place before the or "suit" that also alleges any such beginning of the policy period;or infringement or violation of another's b. "Advertising injury" arising out of copyright, "title" or "slogan" in your infringement of copyright, "title" or "advertisement". "slogan" in your "advertisement" whose 24.Insureds In Media And Internet Type first infringement in your Business "advertisement" was committed before the beginning of the policy period. "Personal injury" or "advertising injury" arising out of an offense committed by an 19. Criminal Acts insured whose business is: "Personal injury" or "advertising injur a. Advertising, "broadcasting" or arising out of a criminal act committed by or publishing; at the direction of the insured. b. Designing or determining content of 20.13reach Of Contract web-sites for others;or "Personal injury" or "advertising injury" C. An Internet search, access, content or arising out of a breach of contract. service provider. 21. Quality Or Performance Of Goods - This exclusion does not apply to Paragraphs Failure To Conform To Statements a.(1), (2) and (3) of the definition of "personal injury". "Advertising injury" arising out of the failure For the purposes of this exclusion: of goods, products or services to conform a. Creating and producing correspondence with any statement of quality or written in the conduct of your business performance made in your"advertisement". bulletins, financial or annual reports, or 22.Wrong Description Of Prices newsletters about your goods, products "Advertising injury" arising out of the wrong or services will not be considered the description of the price of goods, products business of publishing;and or services stated in your"advertisement". b. The placing of frames, borders or links, 23.Intellectual Property or advertising, for you or others anywhere on the Internet will not, by "Personal injury" or "advertising injury" itself, be considered the business of arising out of any actual or alleged advertising, "broadcasting" or infringement or violation of any of the publishing. following rights or laws, or any other 25.Electronic Chatrooms Or Bulletin "personal injury" or "advertising injury" alleged in any claim or"suit"that also alleges Boards any such infringement or violation: "Personal injury" or "advertising injury" a. Copyright; arising out of an electronic chatroom or b. Patent; bulletin board the insured hosts, owns or over which the insured exercises control. c. Trade dress; 26.Unauthorized Use Of Another's Name d. Trade name; Or Product e. Trademark; "Personal injury" or "advertising injury" f. Trade secret;or arising out of the unauthorized use of g. Other intellectual property rights or another's name or product in your e-mail laws. address, domain name or metatag, or any This exclusion does not apply to: other similar tactics to mislead another's a. "Advertising injury" arising out of any potential customers. actual or alleged infringement or C. With respect to Coverage C: violation of another's copyright,"title"or NewlyAcquired, Controlled Or Formed "slogan"in your"advertisement";or q ' Entities EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 12 of 23 UMBRELLA "Crisis management service expenses" arising 4. Notice of cancellation will state the effective out of a"crisis management event" that involves date of cancellation. The policy period will any organization you newly acquire or form and end on that date. that occurred prior to the date you acquired or formed that organization, even if an "executive 5. If this insurance is cancelled, we will send officer"only first becomes aware of an"event"or such first Named Insured any premium "occurrence" that leads to such "crisis refund due. If we cancel, the refund will be management event" after the date you acquired pro rata. If such first Named Insured cancels, or formed such organization. the refund may be less than pro rata. The cancellation will be effective even if we have SECTION V-CONDITIONS not made or offered a refund. A. APPEALS 6. If notice is mailed, proof of mailing will be 1. If the insured or the insured's "underlying sufficient proof of notice. insurer" elects not to appeal a judgment D. CHANGES which exceeds the "applicable underlying This policy contains all the agreements between limit"or "self-insured retention", we may do you and us concerning the insurance afforded. so. No change can be made in the terms of this 2. If we appeal such a judgment, we will pay all insurance except with our consent.The terms of costs of the appeal. These payments will not this insurance can be amended or waived only by reduce the applicable limits of insurance. In endorsement issued by us and made a part of no event will our liability exceed the this policy. applicable limit of insurance. E. CURRENCY B. BANKRUPTCY Payments for damages or expenses described in 1. Bankruptcy or insolvency of the insured or of Paragraph 5. of Paragraph D., DEFENSE AND the insured's estate will not relieve us of our SUPPLEMENTARY PAYMENTS, of obligations under this insurance. SECTION I - COVERAGES will be in the 2. In thent of bankruptcy or insolvency of any currency of the United States of America.At our "underlying insurer", this insurance will not sole option, we may make these payments in a replace such bankrupt or insolvent different currency. Any necessary currency "underlying insurer's" policy, and this conversion for such payments will be calculated insurance will apply as if such "underlying based on the rate of exchange published in the insurer" had not become bankrupt or Wall Street Journal immediately preceeding the insolvent. date the payment is processed. C. CANCELLATION F. DUTIES REGARDING AN EVENT, 1. The first Named Insured shown in the OCCURRENCE,CLAIM OR SUIT Declarations may cancel this insurance by 1. You must see to it that we are notified as mailing or delivering to us advance written soon as practicable of an "event" or notice of cancellation. "occurrence" which may result in a claim under this insurance.To the extent possible, 2. We may cancel this insurance by mailing or notice should include: delivering to such first Named Insured written notice of cancellation at least: a. How, when and where the "event" or "occurrence"took place; a. 10 days before the effective date of cancellation if we cancel for nonpayment b. The names and addresses of any persons of premium;or or organizations sustaining injury, damage or loss, and the names and b. 60 days before the effective date of addresses of any witnesses;and cancellation if we cancel for any other C. The nature and location of any injury or reason. damage arising out of the "event" or 3. We will mail or deliver our notice to such first "occurrence". Named Insured's last mailing address known 2. If a claim is made or "suit"is brought against to us. any insured which may result in a claim under EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 13 of 23 UMBRELLA this insurance, you must see to it that we b. Otherwise has knowledge of such receive written notice of the claim or "suit" "event","occurrence",claim or"suit". as soon as practicable. G. DUTIES REGARDING A CRISIS 3. With respect to Coverage A, the insured MANAGEMENT EVENT must: You must: a. Cooperate with us in the investigation, settlement or defense of any claim or 1. Notify us within 30 days of a crisis "suit"; management event"that may result in"crisis b. Comply with the terms of the management service expenses". "underlying insurance"and 2. Provide written notice of the "crisis C. Pursue all rights of contribution or management event" as soon as practicable. indemnity against any person or To the extent possible, notice should organization who may be liable to the include: insured because of the injury,damage or a. How, when and where that "crisis loss for which insurance is provided management event"took place; under this policy or any policy of b. The names and addresses of any persons "underlying insurance". or organizations sustaining injury, 4. With respect to Coverage B, the insured damage or loss, and the named and must: addresses of any witnesses; a. Immediately send us copies of any C. The nature and location of any injury or demands notices summonses or legal damage arising out of that "crisis papers received in connection with the management event";and claim or"suit"; d. The reason that "crisis management b. Authorize us to obtain necessary records event" is likely to involve damages and other information; covered by this insurance in excess of the "applicable underlying limit" or C. Cooperate with us in the investigation, "self-insured retention" and involve settlement or defense of any claim or regional or national media coverage. "suit";and d. Assist us, upon our request, in the H. EXAMINATION OF YOUR BOOKS AND enforcement of any right against any RECORDS person or organization which may be We may examine and audit your books and liable to the insured because of injury or records as they relate to this insurance: damage to which Coverage B may apply. 1. At any time during the policy period; 5. No insured will, except at that insured's own 2. Up to three years after the end of the policy expense, voluntarily make a payment, period;and assume any obligation, make any admission or incur any expense, other than for first aid 3. Within one year after final settlement of all for "bodily injury" covered by this insurance, claims under this insurance. without our consent. I. EXTENDED REPORTING PERIOD OPTION 6. Knowledge of an"event","occurrence",claim 1. When the "underlying insurance" applies on or suit by your agent, servant or " "will not constitute knowledge by a claims-made basis, any automatic or basic employee "extended reporting period" in such you, unless your insurance or risk manager, underlying insurance will apply to this or anyone working in the capacity as your insurance. insurance or risk manager, or anyone you designate with the responsibility of 2. When the "underlying insurance" applies on reporting an "event", "occurrence", claim or a claims-made basis and you elect to "suit": purchase an optional or supplemental a. Has received notice of such "event"' "extended reporting period" in such of insurance " that "extended "occurrence", claim or "suit" from such reporting period" will apply to this insurance agent,servant or"employee";or only if: EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 14 of 23 UMBRELLA a. A written request to purchase an b. Comply with laws, regulations, codes or Extended Reporting Period standards. endorsement for this insurance is made K. LEGAL ACTION AGAINST US by you and received by us within 90 days after the end of the policy period; 1. No person or organization has a right under b. You have paid all premiums due for this this insurance: policy at the time you make such a. To join us as a party or otherwise bring request; us into a "suit" asking for damages from C. You promptly pay the additional an insured;or premium we charge for the Extended b. To sue us on this insurance unless all of Reporting Period endorsement for this its terms have been fully complied with. insurance when due. We will determine 2. A person or organization may sue us to that additional premium after we have recover on an agreed settlement or on a final received your request for the Extended judgment against an insured. We will not be Reporting Period endorsement for this liable for damages that: insurance. That additional premium is not subject to any limitation stated in a. Are not payable under the terms of this the "underlying insurance" on the insurance;or amount or percentage of additional b. Are in excess of the applicable limit of premium that may be charged for the insurance. "extended reporting period" in such "underlying insurance";and An agreed settlement means a settlement d. That Extended Reporting Period and release of liability signed by us, the insured and the claimant or the claimant's endorsement is issued by us and made a legal representative. part of this policy. 3. Any Extended Reporting Period L. MAINTENANCE OF UNDERLYING endorsement for this insurance will not INSURANCE reinstate or increase the Limits of Insurance 1. The insurance afforded by each policy of or extend the policy period. "underlying insurance" will be maintained for 4. Except with respect to any provisions to the the full policy period of this Excess contrary contained in Paragraphs 1., 2. or 3. Follow-Form And Umbrella Liability above, all provisions of any option to Insurance. This provision does not apply to the reduction or exhaustion of the aggregate purchase an "extended reporting period" in limit or limits of such"under) insurance" granted to you in the "underlying insurance" underlying apply to this insurance. solely by payments as permitted in Paragraphs 4.a.(1), (2) and (3) of J. INSPECTIONS AND SURVEYS COVERAGE A - EXCESS 1. We have the right but are not obligated to: FOLLOW-FORM LIABILITY of SECTION - COVERAGES. As such policies expire, a. Make inspections and surveys at any you will renew them at limits and with time; coverage at least equal to the expiring limits b. Give you reports on the conditions we of insurance. If you fail to comply with the find;and above requirements, Coverage A is not C. Recommend changes. invalidated. However, in the event of a loss, we will pay only to the extent that we would 2. Any inspections, surveys, reports or have paid had you complied with the above recommendations relate only to insurability requirements. and the premiums to be charged. We do not make safety inspections. We do not 2. The first Named Insured shown in the undertake to perform the duty of any person Declarations must give us written notice of or organization to provide for the health or any change in the "underlying insurance" as safety of workers or the public. We do not respects: warrant that conditions: a. Coverage; a. Are safe or healthful;or b. Limits of insurance; EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 15 of 23 UMBRELLA C. Termination of any coverage;or premium will be computed at the end of the d. Exhaustion of aggregate limits. policy period, or at the end of each year of the policy period if the policy period is two 3. If you are unable to recover from any years or longer, at the rate shown in the "underlying insurer" because you fail to Declarations, subject to the Minimum comply with any term or condition of the Premium. "underlying insurance", Coverage A is not 4. Additional premium may become payable invalidated.However,we will pay for any loss when coverage is provided for additional only to the extent that we would have paid insureds under the provisions of SECTION had you complied with that term or II -WHO IS AN INSURED. condition in that"underlying insurance". M. OTHER INSURANCE O. PREMIUM AUDIT This insurance is excess over any valid and The premium for this policy is the amount stated collectible "other insurance" whether such in Item 5. of the Declarations. The premium is a "other insurance" is stated to be primary, flat charge unless it is specified in the contributing, excess, contingent or otherwise. Declarations as adjustable. This provision does not apply to a policy bought P. PROHIBITED COVERAGE - UNLICENSED specifically to apply as excess of this insurance. INSURANCE However, if you specifically agree in a written 1. With respect to loss sustained by any contract or agreement that the insurance insured in a country or jurisdiction in which provided to any person or organization that we are not licensed to provide this qualifies as an insured under this insurance must insurance, this insurance does not apply to apply on a primary basis, or a primary and non - the extent that insuring such loss would contributory basis, then insurance provided violate the laws or regulations of such under Coverage A is subject to the following country orjurisdiction. provisions: 2. We do not assume responsibility for: 1. This insurance will apply before any "other insurance" that is available to such a. The payment of any fine, fee, penalty or additional insured which covers that person other charge that may be imposed on or organization as a named insured, and we any person or organization in any will not share with that "other insurance", country or jurisdiction because we are provided that the injury or damage for which not licensed to provide insurance in such coverage is sought is caused by an "event" country orjurisdiction;or that takes place or is committed subsequent b. The furnishing of certificates or other to the signing of that contract or agreement evidence of insurance in any country or by you. jurisdiction in which we are not licensed 2. This insurance is still excess over any valid to provide insurance. and collectible "other insurance", whether Q. PROHIBITED COVERAGE - TRADE OR primary, excess, contingent or otherwise, ECONOMIC SANCTIONS which covers that person or organization as an additional insured or as any other insured We will provide coverage for any loss, or that does not qualify as a named insured. otherwise will provide any benefit, only to the extent that providing such coverage or benefit N. PREMIUM does not expose us or any of our affiliated or 1. The first Named Insured shown in the parent companies to: Declarations is responsible for the payment 1. Any trade or economic sanction under any of all premiums and will be the payee for any law or regulation of the United States of return premiums. America;or 2. If the premium is a flat charge, it is not 2. Any other applicable trade or economic subject to adjustment except as provided in sanction,prohibition or restriction. Paragraph 4.below. R. REPRESENTATIONS 3. If the premium is other than a flat charge, it i By acceptingthis insurance,you agree: s an advance premium only. The earned EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 16 of 23 UMBRELLA 1. The statements in the Declarations and any organizations receiving amounts recovered subsequent notice relating to "underlying according to the ratio of their respective insurance"are accurate and complete; recoveries. 2. Those statements are based upon U. TRANSFER OF YOUR RIGHTS AND DUTIES representations you made to us;and UNDER THIS INSURANCE 3. We have issued this insurance in reliance 1. Your rights and duties under this insurance upon your representations. may not be transferred without our written consent except in the case of death of an S. SEPARATION OF INSUREDS individual Named Insured. Except with respect to the Limits of Insurance, 2. If you die, your rights and duties will be and any rights or duties specifically assigned in transferred to your legal representative but this policy to the first Named Insured shown in only while acting within the scope of duties the Declarations,this insurance applies: as your legal representative. Until your legal 1. As if each Named Insured were the only representative is appointed, anyone having Named Insured;and proper temporary custody of your property will have your rights and duties but only with 2. Separately to each insured against whom respect to that property. claim is made or"suit"is brought. V. UNINTENTIONAL OMISSION OR ERROR T. WAIVER OR TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US The unintentional omission of, or unintentional error in, any information provided by you which 1. If the insured has rights to recover all or part we relied upon in issuing this policy will not of any payment we have made under this prejudice your rights under this insurance. insurance, those rights are transferred to us However,this provision does not affect our right and the insured must do nothing after loss to collect additional premium or to exercise our to impair them. At our request, the insured rights of cancellation or nonrenewal in will bring suit or transfer those rights to us accordance with applicable insurance laws or and help us, and with respect to Coverage A, regulations. the"underlying insurer",enforce them. W. WHEN LOSS IS PAYABLE If the insured has agreed in a contract or If we are liable under this insurance we will pay agreement to waive that insured's right of recovery against any person or organization, for injury,damage or loss after: we waive our right of recovery against that 1. The insured's liability is established by: person or organization, but only for payments we make because of an "event" a. A court decision;or that takes place or is committed subsequent b. A written agreement between the to the execution of that contract or claimant, the insured, any "underlying agreement by such insured. insurer"and us;and 2. Reimbursement of any amount recovered will be made in the following order: 2. The amount of the "applicable underlying limit" or "self-insured retention" is paid by a. First, to any person or organization or on behalf of the insured.ge or loss after: (including us or the insured) who has paid any amount in excess of the SECTION VI - DEFINITIONS applicable limit of insurance; b. Next,to us;and A. With respect to all coverages of this insurance: C. Then, to any person or organization 1. "Applicable underlying limit" means the sum (including the insured and with respect of: to Coverage A,the "underlying insurer") that is entitled to claim the remainder,if a. The applicable limit of insurance stated any. for the policies of"underlying insurance" 3. Expenses incurred in the process of recovery in the Schedule Of Underlying Insurance will be divided among all persons or subject to the provisions in Paragraphs 4.a.(1),(2) and(3)of COVERAGE A- EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 17 of 23 UMBRELLA EXCESS FOLLOW - FORM e. Any similar risk transfer or risk LIABILITY of SECTION I - management method. COVERAGES;and "Other insurance"does not include: b. The applicable limit of insurance of any a. Any"underlying insurance";or "other insurance"that applies. b. Any policy of insurance specifically The limits of insurance in any policy of purchased to be excess of the limits of "underlying insurance"will apply even if: insurance of this policy shown in the a. The "underlying insurer" claims the Declarations. insured failed to comply with any term or S. "Products-completed operations hazard": condition of the policy;or b. The "underlying insurer" becomes a. Includes all "bodily injury" and "property bankrupt or insolvent. damage" occurring away from premises you own or rent and arising out of"your 2. "Auto hazard" means all "bodily injury" and product"or"your work"except: "property damage" to which liability (1) Products that are still in your insurance afforded under an auto policy of physical possession;or underlying insurance would apply but for the exhaustion of its applicable limits of (2)Work that has not yet been insurance. completed or abandoned. However, "your work" will be deemed 3. "Electronic data" means information, facts completed at the earliest of the or programs stored as or on, created or used following times: on, or transmitted to or from computer software (including systems and (a)When all the work called for in applications software), hard or floppy disks, your contract has been CD-ROMs, tapes, drives, cells, data completed; processing devices or any other media which (b)When all the work to be done at are used with electronically controlled the job site has been completed equipment. if your contract calls for work at 4. "Event" means a "occurrence", offense, more than one job site;or accident, act, error, omission, wrongful act (C) When that part of the work done or loss. at a job site has been put to its intended use by any person or 5. "Extended reporting period" means any organization other than another period of time, starting with the end of the contractor or subcontractor policy period of your claims-made working on the same project. insurance,during which claims or"suits"may Work that may need service, be first made, brought or reported for that maintenance, correction, repair or insurance. replacement, but which is otherwise 6. "Medical expenses" means expenses to complete,will be treated as completed. which any Medical Payments section of any b. Does not include "bodily injury" or policy of Commercial General Liability of damage"arising out of: underlying insurance applies. 7. "Other insurance" means insurance, or the (1) The transportation of property, funding of losses, that is provided by, unless the injury or damage arises through or on behalf of: out of a condition in or on a vehicle not owned or operated by you, and a. Another insurance company; that condition was created by the b. Us or any of our affiliated insurance "loading or unloading"of that vehicle companies; by any insured; C. Any risk retention group; (2)The existence of tools, uninstalled d. Any self-insurance method or program, equipment or abandoned or unused in which case the insured will be deemed materials;or to be the provider of such insurance;or (3)Products or operations for which the classification listed in a policy of EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 18 of 23 UMBRELLA Commercial General Liability 2. "Advertising injury": "underlying insurance" states that products-completed operations are a. Means injury, other than "personal subject to the General Aggregate injury", caused by one or more of the Limit. following offenses: 9. "Suit"means a civil proceeding which alleges (1) Oral or written publication, including damages."Suit"includes: publication by electronic means, of material in your "advertisement" a. An arbitration proceeding in which that slanders or libels a person or damages are claimed and to which the organization or disparages a insured must submit or does submit person's or organization's goods, with our consent;or products or services, provided that b. Any other alternative dispute resolution the claim is made or the "suit" is proceeding to which the insured submits brought by a person or organization with our consent. that claims to have been slandered or libeled, or that claims to have had 10."Underlying insurance": its goods, products or services a. Means the policy or policies of insurance disparaged; listed in the Schedule Of Underlying (2)Oral or written publication, including Insurance. publication by electronic means, of b. Includes any renewal or replacement of material in your "advertisement" such policies if such renewal or that: replacement is during the policy period (a)Appropriates a person's name, of this Excess Follow-Form And voice,photograph or likeness;or Umbrella Liability Insurance. (b)Unreasonably places a person in C. Does not include any part of the policy a false light;or period of any of the policies described in (3)Infringement of copyright, "title" or Paragraphs a. or b. above that began "slogan" in your "advertisement", before, or that continues after, the provided that the claim is made or policy period of this Excess Follow-Form the "suit" is brought by a person or And Umbrella Liability Insurance. organization that claims ownership 11. "Underlying insurer" means any insurer of such copyright,"title"or"slogan". which provides a policy of insurance listed in b. Includes"bodily injury" caused by one or the Schedule Of Underlying Insurance. more of the offenses described in B. With respect to Coverage B and, to the extent Paragraph a.above. that the following terms are not defined in the 3. "Auto"means: "underlying insurance",to Coverage A: a. A land motor vehicle, trailer or 1. "Advertisement" means a notice that is semitrailer designed for travel on public broadcast or published to the general public roads, including any attached machinery or specific market segments about your or equipment;or goods, products or services for the purpose b. Any other land vehicle that is subject to of attracting customers or supporters. For a compulsory or financial responsibility the purposes of this definition: law or other motor vehicle insurance law a. Notices that are published include where it is licensed or principally material placed on the Internet or on garaged. similar electronic means of However, "auto" does not include "mobile communication;and equipment". b. Regarding web sites, only that part of a web site that is about your goods, 4. "Bodily injury"means: products or services for the purposes of a. Physical harm, including sickness or attracting customers or supporters is disease,sustained by a person;or considered an advertisement. b. Mental anguish, injury or illness, or emotional distress, resulting at any time EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 19 of 23 UMBRELLA from such physical harm, sickness or compensation is demanded or received. disease. 10."Impaired property" means tangible 5. "Broadcasting" means transmitting any property,other than"your product"or "your audio or visual material for any purpose: work", that cannot be used or is less useful a. By radio or television;or because: b. In,by or with any other electronic means a. It incorporates "your product" or "your of communication, such as the Internet, work" that is known or thought to be if that material is part of: defective, deficient, inadequate or (1) Radio or television programming dangerous;or being transmitted; b. You have failed to fulfill the terms of a (2)Other entertainment, educational, contract or agreement; instructional, music or news if such property can be restored to use by programming being transmitted;or the repair, replacement, adjustment or (3)Advertising transmitted with any removal of"your product" or "your work" or such programming. your fulfilling the terms of the contract or agreement. 6. "Consumer financial identity information" 11. "Leased worker" means a person leased to means any of the following information for a you by a labor leasing firm under an person that is used or collected for the agreement between you and the labor purpose of serving as a factor in establishing such person's eligibility for personal credit leasing firm,to perform duties related to the conduct of your business. "Leased worker" insurance or employment or for the purpose does not include a"temporary worker". of conducting a business transaction: a. Part or all of the account number, the 12. "Loading or unloading" means the handling expiration date or the balance of any of property: credit, debit, bank or other financial a. After it is moved from the place where it account; is accepted for movement into or onto b. Information bearing on a person's credit an aircraft,watercraft or"auto"; worthiness, credit standing or credit b. While it is in or on an aircraft, watercraft capacity; or"auto";or C. Social security number; C. While it is being moved from an aircraft, d. Driver's license number;or watercraft or "auto" to the place where e. Birth date. it is finally delivered; but "loading or unloading" does not include 7. "Consumer financial protection law" means: the movement of property by means of a a. The Fair Credit Reporting Act (FCRA) mechanical device, other than a hand truck, and any of its amendments, including that is not attached to the aircraft, the Fair and Accurate Credit watercraft or"auto". Transactions Act(FACTA); 13. "Mobile equipment" means any of the b. California's Song-Beverly Credit Card following types of land vehicles, including Act and any of its amendments;or any attached machinery or equipment: C. Any other law or regulation that restricts a. Bulldozers,farm machinery,forklifts and or prohibits the collection, other vehicles designed for use dissemination, transmission, principally off public roads. distribution or use of "consumer b. Vehicles maintained for use solely on or financial identity information". next to premises you own or rent. 8. "Employee" includes a "leased worker". C. Vehicles that travel on crawler treads. "Employee" does not include a "temporary d. Vehicles, whether self-propelled or not, worker". maintained primarily to provide mobility 9. "Good Samaritan services" means any to permanently mounted: emergency medical services for which no EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 20 of 23 UMBRELLA (1) Power cranes, shovels, loaders, (1) An accident, including continuous or diggers or drills;or repeated exposure to substantially (2)Road construction or resurfacing the same general harmful equipment such as graders, scrapers conditions, which results in "bodily or rollers. injury" or "property damage". All "bodily injury" or"property damage" e. Vehicles not described in Paragraph a., caused by such exposure to b., c. or d. above that are not substantially the same general self-propelled and are maintained harmful conditions will be deemed primarily to provide mobility to to be caused by one"occurrence";or permanently attached equipment of the following types: (2)An act or omission committed in providing or failing to provide first (1) Air compressors, pumps and aid or "Good Samaritan services" to generators, including spraying, a person by any of your "employees" welding, building cleaning, or"volunteer workers"other than an geophysical exploration, lighting and employed or volunteer doctor, well servicing equipment;or unless you are in the business or (2)Cherry pickers and similar devices occupation of providing professional used to raise or lower workers. health care services; f. Vehicles not described in Paragraph a., b. With respect to "personal injury", an b., c. or d. above maintained primarily offense arising out of your business that for purposes other than the results in "personal injury". All "personal transportation of persons or cargo. injury caused by the same or related injurious material, act or offense will be However, self-propelled vehicles with deemed to be caused by one the following types of permanently "occurrence", regardless of the attached equipment are not "mobile frequency or repetition thereof, the equipment" but will be considered number and kind of media used or the "autos": number of persons or organizations (1) Equipment designed primarily for: making claims or bringing"suits";and (a)Snow removal; C. With respect to "advertising injury", an (b)Road maintenance, but not offense committed in the course of construction or resurfacing;or advertising your goods, products and services that results in advertising (c) Street cleaning; injury". All "advertising injury" caused by (2)Cherry pickers and similar devices the same or related injurious material, mounted on automobile or truck act or offense will be deemed to be chassis and used to raise or lower caused by one "occurrence", regardless workers;and of the frequency or repetition thereof, (3)Air compressors, pumps and the number and kind of media used or generators, including spraying, the number of persons or organizations welding, building cleaning, making claims or bringing"suits". geophysical exploration, lighting and 15. "Officer" means a person holding any of the well servicing equipment. officer positions created by your charter, However, "mobile equipment" does not constitution, bylaws or any other similar include any land vehicle that is subject to a governing document. compulsory or financial responsibility law,or 16. "Personal injury": other motor vehicle insurance law, where it is licensed or principally garaged. Such land a. Means injury, other than "advertising vehicles are considered"autos". injury", caused by one or more of the following offenses: 14. "Occurrence"means: (1) False arrest, detention or a. With respect to "bodily injury" or imprisonment; "property damage": (2)Malicious prosecution; EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 21 of 23 UMBRELLA (3)The wrongful eviction from,wrongful a. The amount shown in the Declarations entry into, or invaion of the right of which the insured must first pay under private occupancy of a room, Coverage B for damages because of all dwelling or premises that a person "bodily injury", "property damage", occupies, provided that the wrongful "personal injury" or "advertising injury" eviction, wrongful entry or invasion arising out of any one"occurrence";or of the right of private occupancy is b. The applicable limit of insurance of any committed by or on behalf of the "other insurance"that applies. owner, landlord or lessor of that room,dwelling or premises; 20."Slogan": (4)Oral or written publication, including a. Means a phrase that others use for the publication by electronic means, of purpose of attracting attention in their material that slanders or libels a advertising. person or organization or disparages b. Does not include a phrase used as, or in, a person's or organization's goods, the name of: products or services, provided that the claim is made or the "suit" is (1) Any person or organization other brought by a person or organization than you;or that claims to have been slandered (2)Any business,or any of the premises, or libeled, or that claims to have had goods,products,services or work,of its goods, products or services any person or organization other disparaged;or than you. (5)Oral or written publication, including 21. "Temporary worker" means a person who is publication by electronic means, of furnished to you to substitute for a material that: permanent "employee" on leave or to meet (a)Appropriates a person's name, seasonal or short-term workload voice,photograph or likeness;or conditions. (b)Unreasonably places a person in 22."Title" means the name of a literary or a false light. artistic work. b. Includes"bodily injury" caused by one or 23."Unsolicited communication" means any more of the offenses described in communication, in any form, that the Paragraph a.above. recipient of such communication did not 17. "Pollutants" mean any solid, liquid, gaseous specifically request to receive. or thermal irritant or contaminant, including 24."Volunteer worker" means a person who is smoke, vapor, soot, fumes, acids, alkalis, not your"employee",and who donates his or chemicals and waste. Waste includes her work and acts at the direction of and materials to be recycled, reconditioned or within the scope of duties determined by reclaimed. you, and is not paid a fee, salary or other 18. "Property damage"means: compensation by you or anyone else for their work performed by you. a. Physical injury to tangible property, including all resulting loss of use of that 25."Your product": property. All such loss of use will be a. Means: deemed to occur at the time of the (1) Any goods or products, other than physical injury that caused it;or real property, manufactured, sold, b. Loss of use of tangible property that is handled, distributed or disposed of not physically injured.All such loss of use by: will be deemed to occur at the time of (a)You;the"occurrence"that caused it. For the purposes of this insurance, (b)Others trading under your name; "electronic data"is not tangible property. or (c) A person or organization whose 19. "Self-insured retention"is the greater of: business or assets you have acquired;and EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 22 of 23 UMBRELLA (2)Containers (other than vehicles), 3. "Crisis management service expenses" materials, parts or equipment means amounts incurred by you, after a furnished in connection with such "crisis management event" first commences goods or products. and before such event ends: b. Includes: a. For the reasonable and necessary: (1) Warranties or representations made (1) Fees and expenses of a "crisis at any time with respect to the management advisor" in the fitness, quality, durability, performance for you of "crisis performance or use of "your management services" solely for a product";and "crisis management event";and (2)The providing of or failure to provide (2)Costs for printing, advertising, warnings or instructions. mailing of materials or travel by your C. Does not include vending machines or directors, officers, employees or other property rented to or located for agents or a "crisis management the use of others but not sold. advisor" solely for a "crisis management event";and 26."Your work": b. For the following expenses resulting a. Means: from such "crisis management event", (1) Work or operations performed by provided that such expenses have been you or on your behalf;and approved by us: (2)Materials, parts or equipment (1) Medical expenses; furnished in connection with such (2)Funeral expenses; work or operations. (3)Psychological counseling; b. Includes: (4)Travel expenses; (1) Warranties or representations made (5)Temporary living expenses; at any time with respect to the (6)Expenses to secure the scene of a fitness, quality, durability, „ performance or use of "your work"; crisis management event";or and (7) Any other expenses pre-approved (2)The providing of or failure to provide by us. warnings or instructions. 4. "Crisis management services" means those C. With respect to Coverage C' services performed by a "crisis management advisor" in advising you or minimizing 1. "Crisis management advisor" means any potential harm to you from a "crisis public relations firm or crisis management management event" by maintaining or firm approved by us that is hired by you to restoring public confidence in you. perform "crisis management services" in connection with a "crisis management 5. "Executive officer"means your: event". a. Chief Executive Officer; 2. "Crisis management event" means an b. Chief Operating Officer; "event" or "occurrence"that your "executive C. Chief Financial Officer; officer" reasonably determines has resulted, d. President; or may result,in: e. General Counsel; a. Damages covered by this Coverage A or f Coverage B that are in excess of the . General partner (if you are a total applicable limits of the "underlying partnership);or insurance" or "self-insured retention"; g. Sole proprietor (if you are a sole and proprietorship); b. Significant adverse regional or national or any person acting in the same capacity as media coverage. any individual listed above. EU 00 010716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 23 of 23 UMBRELLA POLICY NUMBER:ZUP-21P80706-24-PB ISSUE DATE:10/14/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SCHEDULE OF UNDERLYING INSURANCE This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE Commercial General Liability Limits Of Liability Carrier THE CHARTER OAK FIRE INSURANCE COMPANY General Aggregate $2,000,000 Policy ZLP-91N68510-24-PB Products-Completed $2,000,000 Number: Operations Aggregate Personal and Advertising injury $1,000,000 Policy Period From:10/01/2024 Each Occurrence $1,000,000 to:10/01/2025 Automobile Liability Limits Of Liability Carrier THE CHARTER OAK FIRE INSURANCE COMPANY Bodily Injury And Property Damage Policy H-810-8W781959-COF-24 Combined Single Limit $1,000,000 Number: Bodily Injury Each $ Person Bodily Injury Each $ Accident Policy Period From:10/01/2024 Property Damage Each to:10/01/2025 Accident $ Employers Liability Limits Of Liability Carrier Bodily Injury By Accident Policy Each Accident $ Number: Bodily Injury By Disease Policy Period Policy Limit $ From: Each Employee $ to: PRODUCER: HUB INTERNATIONAL OFFICE:24T-SAN ANTONIO EAST EU 00 03 0818 ©2018 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 UMBRELLA POLICY NUMBER:ZUP-21P80706-24-PB ISSUE DATE:10/14/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SCHEDULE OF UNDERLYING INSURANCE - CONTINUED This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE Type Of Coverage: EMPLOYEE BENEFIT LIABILITY Limits Of Liability $3,000,000 AGGREGATE LIMIT Carrier: THE CHARTER OAK FIRE INSURANCE $1,000,000 EACH EMPLOYEE LIMIT COMPANY Policy ZLP-91N68510-24-PB Number: Policy Period From:10/01/2024 to:10/01/2O25 Type Of Coverage: LAW ENFORCEMENT LIABILITY Limits Of Liability $2,000,000 AGGREGATE LIMIT Carrier: THE CHARTER OAK FIRE INSURANCE $1,000,000 EACH WRONGFUL ACT LIMIT COMPANY Policy ZLP-91N68510-24-PB Number: Policy Period From:10/01/2024 to:10/01/2025 Type Of Coverage: PUBLIC ENTITY MANAGEMENT LIABI Limits Of Liability $2,000,000 AGGREGATE LIMIT Carrier: THE CHARTER OAK FIRE INSURANCE $1,000,000 EACH WRONGFUL ACT LIMIT COMPANY Policy ZLP-91N68510-24-PB Number: Policy Period From:10/01/2024 to:10/01/2025 PRODUCER: HUB INTERNATIONAL OFFICE:24T-SAN ANTONIO EAST EU 00 04 0716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 UMBRELLA POLICY NUMBER:ZUP-21P80706-24-PB ISSUE DATE:10/14/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SCHEDULE OF UNDERLYING INSURANCE - CONTINUED This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE Type Of Coverage: EMPLOYMENT PRACTICES LIABILITY Limits Of Liability $2,000,000 AGGREGATE LIMIT Carrier: THE CHARTER OAK FIRE INSURANCE $1,000,000 EACH WRONGFUL OFFENSE COMPANY LIMIT Policy ZLP-91N68510-24-PB Number: Policy Period From:10/01/2024 to:10/01/2O25 Type Of Coverage: Limits Of Liability Carrier: Policy Number: Policy Period From: to: Type Of Coverage: Limits Of Liability Carrier: Policy Number: Policy Period From: to: PRODUCER: HUB INTERNATIONAL OFFICE:24T-SAN ANTONIO EAST EU 00 04 0716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 UMBRELLA POLICY NUMBER: ZUP-21P80706-24-PB ISSUE DATE: 10/14/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM AND EXCLUSION OF OTHER ACTS OF TERRORISM COMMITTED OUTSIDE THE UNITED STATES This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE CERTIFIED ACTS OF TERRORISM SELF-INSURED RETENTION SCHEDULE Self-Insured Retention For Certified Acts Of Terrorism: $10,000 Each Occurrence PROVISIONS which the insured must first pay under 1. The following is added to SECTION I - Coverage B for damages because of all any COVERAGES: "bodily injury", "property damage", "personal injury" or "advertising injury" If aggregate insured losses attributable to included in any one "occurrence". If no entry "certified acts of terrorism" exceed $100 billion appears in the Certified Acts Of Terrorism in a calendar year and we have met our insurer Self-Insured Retention Schedule, the deductible under "TRIA",we will not be liable for Self-Insured Retention For Certified Acts Of the payment of any portion of the amount of Terrorism is deemed to be$1,000,000. such losses that exceeds $100 billion, and in 3. The following exclusion is added to Paragraph A. such case, insured losses up to that amount are of SECTION IV- EXCLUSIONS: subject to pro rata allocation in accordance with procedures established by the Secretary of the Acts Of Terrorism Committed Outside The Treasury. United States 2. With respect to COVERAGE B - UMBRELLA Damages arising out of any "act of terrorism" LIABILITY for any "bodily injury", "property that is committed outside the United States of damage","personal injury"or"advertising injury" America (including its territories and arising out of a"certified act of terrorism": possessions)and Puerto Rico. a. The following replaces Paragraph 1. in This exclusion does not apply to damages arising Paragraph D., DEFENSE AND out of any "act of terrorism" that results in loss SUPPLEMENTARY PAYMENTS, of occurring to: SECTION I - COVERAGES: (1) An air carrier(as defined in Section 40102 of 1. We will have the right, but not the duty, title 49, United States Code) or a United to defend the insured under States flag vessel (or a vessel based COVERAGE B - UMBRELLA principally in the United States, on which LIABILITY against a "suit" seeking United States income tax is paid and whose insurance coverage is subject to regulation in damages to which such coverage the United States);or applies. b. The following replaces the definition of (2)The premises of any United States mission. "self-insured retention" in Paragraph B. of 4. The following is added to Paragraph A. of SECTION VI - DEFINITIONS: SECTION VI - DEFINITIONS: "Self-insured retention" means the "Act of terrorism" means a violent act or an act Self-Insured Retention For Certified Acts Of that is dangerous to human life, property or Terrorism shown in the Certified Acts Of infrastructure that is committed by an individual Terrorism Self-Insured Retention Schedule or individuals and that appears to be part of an effort to coerce a civilian population or to EU 00 07 0716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 Includes copyrighted material of Insurance Services Office,Inc.with its permission. UMBRELLA influence the policy or affect the conduct of any government by coercion. "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of "TRIA", to be an act of terrorism pursuant to "TRIA". The criteria contained in "TRIA" for a "certified act of terrorism"include the following: a. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to "TRIA"; and b. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. "TRIA" means the federal Terrorism Risk Insurance Act of 2002 as amended. EU 00 07 0716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 2 of 2 Includes copyrighted material of Insurance Services Office,Inc.with its permission. UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COVERAGE FOR FINANCIAL INTEREST IN FOREIGN INSURED ORGANZATIONS This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE PROVISIONS 3. The following is added to Paragraph A. of 1. The following is added to Paragraph A., SECTION VI - DEFINITIONS: COVERAGE A - EXCESS FOLLOW-FORM "Financial interest" means the insurable interest LIABILITY, and Paragraph B., COVERAGE B - in a"foreign insured organization" because of: UMBRELLA LIABILITY, of SECTION I - a. Sole ownership of, or majority ownership COVERAGES: interest in, such "foreign insured If a"foreign loss" is incurred by a"foreign insured organization", either directly or through one organization", or by any other insured for whom or more intervening subsidiaries; such "foreign insured organization" is liable, we b. Indemnification of, or an obligation to will reimburse the first Named Insured, or any indemnify: other Named Insured that is not a foreign insured organization", for such "foreign loss" (1) Such"foreign insured organization";or because of its"financial interest"in that"foreign (2)Any other insured for whom such insured organization". For purposes of this "foreign insured organization"is liable; insurance,amounts we reimburse under: fora"foreign loss";or a. Paragraph a. of the definition of "foreign loss" will be deemed to be sums that such C. An obligation to obtain insurance for such Named Insured becomes legally obligated to "foreign insured organization". pay as damages under this policy;and "Foreign insured organization" means any b. Paragraph b. of the definition of "foreign organization that: loss" will be deemed to be payments we a. Is an insured under SECTION II - WHO IS make under Paragraph 5. of Paragraph D., AN INSURED;and DEFENSE AND SUPPLEMENTARY PAYMENTS, in SECTION I - b. Is located in a country or jurisdiction in which COVERAGES. we are not licensed to provide this insurance and where providing this insurance would 2. The following is added to SECTION V - violate the laws or regulations of such CONDITIONS: country orjurisdiction. DUTIES IN THE EVENT OF A CLAIM OR "Foreign loss" means: SUIT FOR FOREIGN LOSS a. Sums,in excess of the"applicable underlying If a claim or "suit" for "foreign loss" is made or limit" or "self-insured retention", that an brought against a"foreign insured organization", insured becomes legally obligated to pay as or any other insured for whom such "foreign damages because of loss to which the insured organization" is liable, the first Named insurance provided under this policy would Insured must: have applied;or 1. Arrange to investigate and defend such b. Payments described in Paragraph 5. of claim or"suit"; Paragraph D., DEFENSE AND 2. Notify us in writing in advance of any SUPPLEMENTARY PAYMENTS in proposed settlement of such claim or "suit"; SECTION I - COVERAGES that we would and have made with respect to any claim or 3. Comply with all other conditions of this "suit"against an insured: insurance as if such claim or "suit" were (1) That we would have defended, made or brought against any insured that is investigated or settled;or not a"foreign insured organization". EU 0144 0716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 UMBRELLA (2)For which we would have paid our part of a judgment; but for the fact that such insured is located in any country or jurisdiction in which we are not licensed to provide this insurance and where providing this insurance would violate the laws or regulations of such country orjurisdiction. EU 0144 0716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 2 of 2 UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FAILURE TO SUPPLY EXCLUSION - COVERAGES A AND B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE The following exclusion is added to Paragraph A.of SECTION IV- EXCLUSIONS: Failure To Supply Damages arising out of the failure of any insured to adequately supply: a. Gas,including liquefied petroleum gas,any other natural gas liquid and liquefied natural gas; b. Oil; C. Any other hydrocarbon or hydrocarbon-based product, including gasoline or any other petroleum product; d. Water; e. Electricity; f. Steam;or g. Biofuel. EU 0179 09 20 © 2020 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION - COVERAGES A AND B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE PROVISIONS (2)Claim or "suit" by or on behalf of a 1. The following exclusion is added to Paragraph A. governmental authority because of of SECTION IV- EXCLUSIONS: testing for, monitoring, cleaning up, Fungi Or Bacteria removing, containing, treating, g detoxifying or neutralizing, or in any way a. Damages arising out of the actual, alleged or responding to or assessing the effects threatened inhalation of, ingestion of, of,"fungi"or bacteria. contact with, exposure to, existence of or This exclusion does not apply to any "fungi" or presence of any "fungi" or bacteria on or bacteria that are, are on, or are contained in, a within a building or structure, including its good or product intended for consumption. contents, regardless of whether any other cause, event, material or product 2. The following is added to Paragraph A. of contributed concurrently or in any sequence SECTION VI - DEFINITIONS: to such damages;or "Fungi" means any type or form of fungus, b. Damages arising out of the actual or alleged including mold or mildew and any mycotoxins, or threatened inhalation of, ingestion of, spores, scents or byproducts produced or contact with, exposure to, existence of, or released by fungi. presence of, any other solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapors, soot, fumes, acids, alkalis, chemicals and waste, and that is part of any claim or "suit" which also alleges any damages described in Paragraph a. of this exclusion. C. Any loss,cost or expense arising out of any: (1) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to or assess the effects of, "fungi"or bacteria; or EU 0189 0716 © 2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOBILE EQUIPMENT RACING EXCLUSION - COVERAGE B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE The following exclusion is added to Paragraph B.of SECTION IV- EXCLUSIONS: Mobile Equipment Racing "Bodily injury" or "property damage" arising out of the use of "mobile equipment" in, or while in practice or while being prepared for,any prearranged racing,speed,demolition or stunting activity. EU 02 08 0716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION (BROAD FORM) - COVERAGES A AND B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE PROVISIONS C. Under any Liability Coverage, to "bodily 1. The followingreplaces Exclusion S. Nuclear injury" or "property damage" resulting from P "hazardous properties" of"nuclear material" Material, in Paragraph A. of SECTION IV - if: EXCLUSIONS: Nuclear Energy Liability(Broad Form) (1) The "nuclear material" (a) is at any nuclear facility owned by, or operated a. Under any Liability Coverage, to "bodily by or on behalf of, an insured or(b) has injury"or"property damage": been discharged or dispersed therefrom; (1) With respect to which an insured under (2)The "nuclear material" is contained in the policy is also an insured under a "spent fuel" or "waste" at any time nuclear energy liability policy issued by possessed, handled, used, processed, Nuclear Energy Liability Insurance stored,transported or disposed of, by or Association, Mutual Atomic Energy on behalf of an insured;or Liability Underwriters, Nuclear Insurance (3)The"bodily injury"or "property damage" Association of Canada or any of their arises out of the furnishing by an insured successors, or would be an insured of services, materials, parts or under any such policy but for its equipment in connection with the termination upon exhaustion of its limit planning, construction, maintenance, of liability;or operation or use of any"nuclear facility", (2)Resulting from the "hazardous but if such facility is located within the properties" of "nuclear material" and United States of America, its territories with respect to which (a) any person or or possessions or Canada, this exclusion organization is required to maintain (3)applies only to"property damage"to financial protection pursuant to the such "nuclear facility" and any property Atomic Energy Act of 1954, or any law thereat. amendatory thereof, or (b) the insured 2. The following is added to Paragraph A. of is, or had this policy not been issued SECTION VI - DEFINITIONS: would be, entitled to indemnity from the United States of America, or any agency "Hazardous properties" includes radioactive, thereof, under any agreement entered toxic or explosive properties. into by the United States of America, or "Nuclear material" means "source material", any agency thereof, with any person or especial nuclear material" or "by-product organization. material". b. Under any Medical Payments coverage, to "Source material", "special nuclear material", expenses incurred with respect to "bodily and "by-product material" have the meanings injury" resulting from the "hazardous given them in the Atomic Energy Act of 1954 or properties" of "nuclear material" and arising in any law amendatory thereof. out of the operation of a "nuclear facility" by any person or organization. "Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a"nuclear reactor". EU 02 09 0818 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 Includes copyrighted material of Insurance Services Office, Inc.with its permission. UMBRELLA "Waste" means any waste material (a) place prepared or used for the storage or containing"by-product material"other than the disposal of"waste". tailings or wastes produced by the extraction or and includes the site on which any of the concentration of uranium or thorium from any foregoing is located,all operations conducted on ore processed primarily for its "source material" such site and all premises used for such content,and(b) resulting from the operation by operations. any person or organization of any "nuclear facility" included under the first two paragraphs "Nuclear reactor"means any apparatus designed of the definition of"nuclear facility". or used to sustain nuclear fission in a self-supporting chain reaction or to contain a "Nuclear facility"means: critical mass of fissionable material. a. Any"nuclear reactor"; "Property damage" includes all forms of b. Any equipment or device designed or used radioactive contamination of property. for(1)separating the isotopes of uranium or plutonium,(2) processing or utilizing"spent fuel", or (3) handling, processing or packaging"waste"; C. Any equipment or device used for the processing,fabricating or alloying of"special nuclear material" if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235;or d. Any structure,basin,excavation,premises or EU 02 09 0818 ©2017 The Travelers Indemnity Company.All rights reserved. Page 2 of 2 Includes copyrighted material of Insurance Services Office, Inc.with its permission. UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE - DEFINITIONS This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE The following replaces the introduction to Paragraph B.of SECTION VI - DEFINITIONS: With respect to Coverages B and C and, to the extent that the following terms are not defined in the "underlying insurance",to Coverage A: EU 02 34 0716 © 2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PUBLIC USE OF PRIVATE PROPERTY EXCLUSION - COVERAGES A AND B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE The following exclusion is added to Paragraph A.of SECTION IV- EXCLUSIONS: Public Use Of Private Property Damages arising out of the taking or controlling of private property for public use or benefit, including the diminution in value of such property, by condemnation,inverse condemnation,adverse possession, dedication by adverse use or any other method or proceeding. EU 02 50 0716 © 2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNMANNED AIRCRAFT EXCLUSION - COVERAGE B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE PROVISIONS This exclusion applies even if the claims against any insured allege negligence or other 1. The following is added to Exclusion 6.,Aircraft, wrongdoing in the supervision, hiring, in Paragraph B. of SECTION IV - employment,training or monitoring of others by EXCLUSIONS: that insured, if the "occurrence" which caused the "bodily injury" or "property damage", or the This exclusion also does not apply to any offense which caused the "personal injury" or "unmanned aircraft". "advertising injury", involved the ownership, 2. The following exclusion is added to Paragraph B. maintenance, use or entrustment to others of of SECTION IV- EXCLUSIONS: any"unmanned aircraft". Unmanned Aircraft 3. The following is added to Paragraph B. of SECTION VI - DEFINITIONS: "Bodily injury", "property damage", "personal injury" or "advertising injury" arising out of the "Unmanned aircraft" means an aircraft that is ownership, maintenance, use or entrustment to not designed, manufactured,or modified after it others of any "unmanned aircraft". Use includes is manufactured, to be controlled directly by a operation and"loading or unloading". person from within or on the aircraft. EU 02 85 0716 ©2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WATERCRAFT LIABILITY EXCLUSION - COVERAGE B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE The following exclusion replaces Paragraph 113.8., This exclusion applies even if the claims against Watercraft,of SECTION IV- EXCLUSIONS: any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or Watercraft monitoring of others by that insured, if the "Bodily injury" or"property damage"arising out of "occurrence" which caused the "bodily injury" or the ownership, maintenance, use or entrustment "property damage" involved the ownership, to others of any watercraft owned or operated by maintenance, use or entrustment to others of any or rented or loaned to any insured. Use includes watercraft that is owned or operated or rented or operation and"loading or unloading". loaned to any insured. EU 02 90 0716 © 2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FOLLOW-FORM LIMITATION - COVERAGE B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE PROVISIONS The following exclusion is added to Paragraph B.of SECTION IV- EXCLUSIONS: Follow-Form Limitation "Bodily injury", "property damage", "personal injury" or "advertising injury" that is not covered by the "underlying insurance"because of: a. Any exclusion; b. Any definition,other than a definition of coverage territory;or C. Any other coverage limitation in that"underlying insurance"; regardless of whether this policy includes a similar exclusion,definition or coverage limitation. EU 03 02 0317 © 2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF EMPLOYMENT-RELATED PRACTICES EXCLUSION - FOLLOW-FORM EXCEPTION - COVERAGE A This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE The following is added to Exclusion 2., Employment-Related Practices,in Paragraph A. of SECTION IV- EXCLUSIONS: With respect to Coverage A, this exclusion does not apply to damages to which any policy of Employment-Related Practices "underlying insurance" would apply but for the exhaustion of its applicable limits of insurance. EU 0313 0818 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF UNDERLYING INSURANCE DEFINITION This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE The following replaces the definition of "underlying C. Does not include: insurance" in Paragraph A. of SECTION VI - (1) Any part of the policy period of any DEFINITIONS: insurance described in Paragraphs a. or b. "Underlying insurance": above that began before, or that continues a. Means the insurance that: after, the policy period of this Excess Follow-Form And Umbrella Liability (1) Is listed in the Schedule Of Underlying Insurance;or Insurance;and (2)Any coverage provided under any insuring (2) Has amounts stated for its limits of liability agreement added by endorsement to any in that schedule. insurance described in Paragraphs a. or b. b. Includes any renewal or replacement of such unless such coverage is separately listed in insurance if such renewal or replacement is the Schedule Of Underlying Insurance and during the policy period of this Excess has amounts stated for its limits of liability Follow-Form And Umbrella Liability Insurance. in that schedule. EU 0315 0818 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF WHO IS AN INSURED - EMPLOYEES AND VOLUNTEER WORKERS - COVERAGE B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE PROVISIONS 3. The following replaces the second paragraph of 1. Paragraph 3.a. in Paragraph B.of SECTION II - Exclusion 8., Watercraft, in Paragraph B. of WHO IS AN INSURED is deleted. SECTION IV- EXCLUSIONS: 2. The following replaces the second paragraph of This exclusion applies even if the claims against any insured allege negligence or other Exclusion 6., Aircraft, in Paragraph B. of wrongdoing in the supervision, hiring, SECTION IV- EXCLUSIONS: employment,training or monitoring of others by This exclusion applies even if the claims against that insured, if the "occurrence" which caused any insured allege negligence or other the "bodily injury" or "property damage" wrongdoing in the supervision, hiring, involved the ownership, maintenance, use or employment,training or monitoring of others by entrustment to others of any watercraft that is that insured, if the "occurrence" which caused owned or operated by or rented or loaned to any the "bodily injury" or "property damage" insured or any "employee" or "volunteer involved the ownership, maintenance, use or worker". entrustment to others of any aircraft that is owned or operated by or rented or loaned to any insured or any "employee" or "volunteer worker". EU 0317 0818 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DISCRIMINATION EXCLUSION - COVERAGE B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE The following exclusion is added to Paragraph B. of national origin, citizenship, veteran status, age, SECTION IV- EXCLUSIONS: genetic information or physical or mental disability, or any other characteristic,attribute,trait, condition Discrimination or status that qualifies a person for protection "Bodily injury", "property damage", "personal injury" against discrimination under federal, state or local or "advertising injury" arising out of discrimination law. based upon a person's sex, sexual orientation, marital status,pregnancy,race,color, creed,religion, EU 03 310818 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED ACTIVITIES OR OPERATIONS EXCLUSION - COVERAGE B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE The following exclusion is added to Paragraph B. of b. Any supervision, instruction, recommendations SECTION IV- EXCLUSIONS: or advice given or which should have been given Designated Activities Or Operations in connection with any such designated activities or operations; "Bodily injury", "property damage", "personal injury" or advertising injury arising out of any designated C. Your product„ manufactured or distributed in activities or operations indicated with an X in the any such designated activities or operations;or Schedule Of Designated Activities Or Operations in a d. "Your work" performed anywhere related to any policy of Commercial General Liability "underlying such designated activities or operations. insurance", including any "bodily injury", "property damage", "personal injury" or "advertising injury" arising out of: a. Ownership, maintenance or use of any premises in any such designated activities or operations; EU 03 40 0818 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INJURY TO VOLUNTEER FIREFIGHTERS EXCLUSION - COVERAGE B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE The following exclusion is added to Paragraph B.of SECTION IV- EXCLUSIONS: Injury To Volunteer Firefighters "Bodily injury" or "personal injury" to any volunteer firefighters whether or not they are members of your organization,while in the course of their duties as such. EU 03 42 0818 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LAW ENFORCEMENT ACTIVITIES OR OPERATIONS EXCLUSION - COVERAGE B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE PROVISIONS a. Means: 1. The following exclusion is added to (1) Any of the official activities or Paragraph B. of SECTION IV - operations of your police department or EXCLUSIONS: sheriff agency, including any Law Enforcement Activities Or Operations moonlighting,secondary employment or extra-duty assignment approved by "Bodily injury", "property damage", "personal such department or agency; injury", or "advertising injury" arising out of"law (2)Any of the official activities or enforcement activities or operations". operations of your juvenile detention This exclusion does not apply to "bodily injury" center; or "property damage" arising out of the ownership, maintenance, use or entrustment to (3)Any of the official activities of your others of any "auto" caused by an "occurrence" probation officers, parole officers, animal control officers or court security that takes place outside of the United States of America (including its territories and officers;or possessions), Puerto Rico and Canada. Use (4)Any additional activities or operations includes operation and"loading or unloading". that are not covered by any "underlying If a Professional Health Care And Social Services insurance" because of any exclusion for Exclusion With Limited Exception For any law enforcement activities or Designated Professionals - Designated operations in that "underlying Professionals-Coverages A And B endorsement insurance" is included in this policy, this exclusion does not b. Includes: apply to "bodily injury", "property damage", "personal injury", or "advertising injury" arising (1) Ownership, maintenance or use of any out of the providing or failing to provide premises that you own,rent or borrow in "described professional health care services" or order to conduct such activities or "professional social services"by any"designated operations,other than a premises that is professional" acting within the scope of his or not normally used for the conduct of her duties for you as such "designated such activities or operations; professional." (2)Ownership or operation of your jails, 2. The following is added to Paragraph B. of penal institutions, detention centers or SECTION VI - DEFINITIONS: similar facilities; "Law enforcement activities or operations": (3)Providing first aid;or (4)Providing school security. EU 03 43 0818 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LEAD EXCLUSION - COVERAGE B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE PROVISIONS C. Any loss,cost or expense arising out of any: The following exclusion is added to Paragraph B. of (1) Request, demand, order or statutory or SECTION IV- EXCLUSIONS: regulatory requirement that any insured or Lead any other person or organization test for, monitor, clean up, remove, contain, treat, a. "Bodily injury", "property damage", "personal detoxify or neutralize,or in any way respond injury" or "advertising injury" arising out of the to, or assess the effects of, lead, lead actual or alleged presence or actual, alleged or compounds or lead which is or was threatened dispersal, release, ingestion, contained or incorporated into any material inhalation or absorption of lead, lead or substance;or compounds or lead which is or was contained or incorporated into any material or substance. (2)Claim or suit by or for any governmental authority or any other person or b. "Bodily injury", "property damage", "personal organization arising out of the testing for, injury" or "advertising injury" arising out of the monitoring, cleaning up, removing, actual or alleged presence or actual, alleged or containing, treating, detoxifying or threatened dispersal, release, ingestion, neutralizing or in any way responding to, or inhalation or absorption of any other solid, assessing the effects of, lead, lead liquid, gaseous or thermal irritant or compounds or lead which is or was contaminant, including smoke, vapors, soot, contained or incorporated into any material fumes, acids, alkalis, chemicals and waste, and or substance. that is part of any claim or "suit" which also alleges any injury or damage described in Paragraph a.of this exclusion. EU 03 44 0818 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NON CUMULATION OF OCCURRENCE LIMIT This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE PROVISIONS 2. The following is added to the definition of"other 1. The following is added to Paragraph D. of insurance" in Paragraph A. of SECTION VI - SECTION III - LIMITS OF INSURANCE: DEFINITIONS: Non cumulation of Occurrence Limit - If the "Other insurance" also does not include following arise out of any one"event": insurance that is provided by, through or on behalf of us or any of our affiliated insurance a. Damages, or defense expenses if such companies when the Non cumulation of expenses are within the limits of insurance of Occurrence Limit provision of Paragraph D. of this policy,to which this Excess Follow-Form SECTION III - LIMITS OF INSURANCE And Umbrella Liability Insurance applies;and applies. b. Damages to which Excess Follow-Form And 3. The following is added to Paragraph 4. in Umbrella Liability Insurance, or any other Paragraph A., COVERAGE A - EXCESS umbrella or excess liability coverage, FOLLOW-FORM LIABILITY, of SECTION I - included in one or more prior or future COVERAGES' policies issued to you by us, or any of our ' affiliated insurance companies, or defense For the purposes of Paragraph a.(1) above, expenses if such expenses are within the payments of judgments or settlements for limits of insurance of such policy,applies; damages that would have been covered by this policy's Occurrence Limit applicable to that "underlying insurance", but are not only because "event" also will be reduced by the amount of of an Amendment - Non Cumulation Of Each each payment made for the damages and Occurrence Limit Of Liability and Non defense expenses described in Paragraph b. Cumulation Of Personal and Advertising Injury above by us or any of our affiliated insurance Limit endorsement in that "underlying companies under, and within the applicable limit insurance" will be deemed to be payments of of insurance of each such other policy. If a Non judgments or settlements for damages that are cumulation of Personal and Advertising Injury covered by that"underlying insurance". Limit or a Non cumulation of Each Occurrence For the purposes of Paragraph a.(3) above, Limit provision in any such prior policy refers to a payments of defense expenses that would have COMMERCIAL EXCESS LIABILITY been covered by that"underlying insurance", but (UMBRELLA) INSURANCE policy, this Excess are not only because of an Amendment - Non Follow-Form And Umbrella Liability Insurance Cumulation Of Each Occurrence Limit Of Liability will be deemed to be a COMMERCIAL and Non Cumulation Of Personal and EXCESS LIABILITY (UMBRELLA) Advertising Injury Limit endorsement in that INSURANCE policy for the purposes of each "underlying insurance" will be deemed to be such provision. payments of defense expenses that are covered by that"underlying insurance". EU 03 46 0818 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. POLLUTION NOT RELATED TO AUTOS EXCLUSION - PUBLIC ENTITIES OR INDIAN TRIBES - COVERAGE A This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE PROVISIONS insurance" would apply but for the 1. The following is added to Paragraph A., exhaustion of its applicable limits of insurance. COVERAGE A - EXCESS FOLLOW-FORM LIABILITY,of SECTION I - COVERAGES: The exception in Paragraph (1)(a) of above does not apply to "bodily injury" and For the purposes of Coverages A and C of this "property damage" arising out of the insurance, "limited covered pollution costs" will discharge, release or escape of sewage into be deemed to be damages because of"property one or more buildings. damage". However, if any "limited covered pollution costs" are to test for, monitor, clean b. Any loss,cost or expense arising out of any: up,remove,contain,treat,detoxify or neutralize, (1) Request, demand, order or statutory or or assess the effects of,"pollutants" in or on any regulatory requirement that any insured person, such cost or expense will instead be or any other person or organization test deemed to be damages because of "bodily for, monitor, clean up, remove, contain, injury". treat, detoxify or neutralize, or in any For the purposes of Coverage A of this way respond to,or assess the effects of, insurance, a governmental ruling or order that "pollutants";or has imposed liability for "limited covered (2)Claim or suit by or for any governmental pollution costs" will be deemed to be a authority or any other person or judgment. organization arising out of the testing 2. With respect to COVERAGE A - EXCESS for, monitoring, cleaning up, removing, FOLLOW FORM LIABILITY, the following containing, treating, detoxifying or exclusion is added to SECTION IV - neutralizing,or in any way responding to, EXCLUSIONS: or assessing the effects of,"pollutants". Pollution Not Related To Autos However, this Paragraph b. does not apply to: a. Damages arising out of the actual, alleged or (1) "Limited covered pollution costs";or threatened discharge, dispersal, seepage, migration, release or escape of"pollutants". (2)"Bodily injury" or "property damage" However, this Paragraph a. does not apply included in the"auto hazard". to: 3. The following is added to Paragraph A. of (1) "Bodily injury"or"property damage": SECTION VI - DEFINITIONS: (a)To which insurance afforded under "Limited covered pollution costs": any policy of Commercial General a. Means any cost or expense that: Liability "underlying insurance" would apply but for the exhaustion (1) Is to test for, monitor, clean up, remove, of its applicable limits of insurance; contain, treat, detoxify or neutralize, or or assess the effects of,"pollutants";and (b)Included in the"auto hazard";or (2)To which insurance afforded under any ( )2 "Bodily injury", "pro"property damage" or Commercial General Liability"underlying YP Y g insurance issued by us, or any of our "personal injury" to which insurance affiliated insurance companies, would afforded under any policy of Law apply but for the exhaustion of its Enforcement Liability "underlying applicable limits of insurance. EU 03 49 0818 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 Includes copyrighted material of Insurance Services Office,Inc.with its permission. UMBRELLA b. Does not include any cost or expense that is 4. The definition of "pollutants" (including the to test for, monitor, clean up, remove, statement in it that waste includes materials to contain, treat, detoxify or neutralize, or be recycled, reconditioned or reclaimed) in assess the effects of, sewage that has Paragraph B. of SECTION VI - DEFINITIONS discharged, released or escaped into one or is deleted from that Paragraph B. and is added more buildings to Paragraph A. of SECTION VI - DEFINITIONS. EU 03 49 0818 ©2017 The Travelers Indemnity Company.All rights reserved. Page 2 of 2 Includes copyrighted material of Insurance Services Office,Inc.with its permission. UMBRELLA POLICY NUMBER:ZUP-21P80706-24-PB ISSUE DATE:10/14/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PROFESSIONAL HEALTH CARE SERVICES EXCLUSION WITH LIMITED EXCEPTION FOR DESIGNATED PROFESSIONALS - COVERAGES A AND B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE SCHEDULE OF DESIGNATED PROFESSIONALS PROVISIONS C. "Bodily injury", "property damage", 1. With respect to COVERAGE A - EXCESS "personal injury" or "advertising FOLLOW-FORM LIABILITY, the following injury"arising out of providing or failing to exclusions are added to SECTION IV - provide "described professional health care EXCLUSIONS: services" by any "designated professional" acting within the scope of his or her duties Professional Health Care Services for you as such"designated professional". Afforded Under Commercial General Professional Health Care Services Liability Underlying Insurance Afforded Under Law Enforcement Liability Damages arising out of providing or failing to Underlying Insurance provide "professional health care services" to Damages arising out of the providing or failing to which the insurance afforded under any provide "professional health care services" to Commercial General Liability "underlying which the insurance afforded under any Law insurance"would apply but for the exhaustion of Enforcement Liability "underlying insurance" its applicable limits of insurance. However, this would apply but for the exhaustion of its exclusion does not apply to: applicable limits of insurance. However, this a. "Bodily injury" arising out of providing or exclusion does not apply to: failing to provide first aid or "Good "Bodily injury", "property damage" or "personal Samaritan services"; injury"arising out of: b. "Bodily injury", "property damage" or a. The insured's providing or failing to provide "personal injury" arising out of providing or first aid; failing to provide "professional health care b. The handling or treatment of corpses by an services" by any of your "employees" or insured who is not a coroner, medical "volunteer workers" acting within the scope examiner or pathologist; of his or her duties for you as an emergency medical dispatcher or 911 operator;or EU 03 55 0918 ©2018 The Travelers Indemnity Company.All rights reserved. Page 1 of 3 Includes copyrighted material of Insurance Services Office,Inc.with its permission. UMBRELLA C. The furnishing or dispensing of drugs, or C. To "bodily injury", "property damage" or medical or dental supplies or appliances, by "personal injury" arising out of providing or an insured who is not a medical doctor or failing to provide "professional health care nurse;or services" by any of your "employees" or d. Providing or failing to provide "described "volunteer workers", other than a nurse or professional health care services" by any doctor, acting within the scope of his or her "designated professional" acting within the duties for you as an emergency medical scope of his or her duties for you as such dispatcher or 911 operator;or "designated professional". d. To "bodily injury", "property damage", 2. The following exclusions are added to Paragraph "personal injury" or "advertising injury" B.of SECTION IV- EXCLUSIONS: arising out of providing or failing to provide "described professional health care services" Professional Health Care Services by any "designated professional" acting "Bodily injury", "property damage", "personal within the scope of his or her duties for you injury" or "advertising injury" arising out of as such"designated professional". providing or failing to provide "professional 3. The following is added to Paragraph A. of health care services". However, this exclusion SECTION VI - DEFINITIONS: does not apply: "Described professional health care services" a. Unless you are in the business or occupation means: of providing "professional health care services", to "bodily injury" arising out of a. Any medical, surgical, dental, laboratory, providing or failing to provide first aid by: x-ray or nursing services, treatment, advice or instruction, or the related furnishing of (1) Any of your elected or appointed food or beverages; officials, "executive officers" or directors; b. The furnishing or dispensing of drugs or medical, dental or surgical supplies or (2)Any members of"your boards";or appliances; (3)Any of your "employees" or "volunteer C. The handling or treatment of corpses, workers"; including for autopsies or organ donations, other than a doctor,nurse,nursing assistant, but not including performing autopsies or physician assistant, dental hygienist or performing medical procedures related to assistant, optometrist, emergency medical organ donations;or technician, paramedic, coroner, physical d. Any psychological or emotional counseling therapist or physical therapy assistant, service,treatment,advice or instruction. speech-language pathologist or speech therapy assistant, occupational therapist or "Designated professional" means any of your occupational therapy assistant, "employees"or"volunteer workers"who: psychologist, counselor, therapist, social a. Is performing duties for you as a worker or other health care professional; professional shown in the Schedule Of b. Unless you are in the business or occupation Designated Professionals; of providing "professional health care b. Is not a medical doctor;and services", to "bodily injury" arising out of providing or failing to provide "Good C. Is not a nurse providing "described Samaritan services"by: professional health care services" at or in (1) Any of your elected or appointed connection with a nursing home. officials, "executive officers" or "Professional health care services"includes: directors; a. Any medical, surgical, dental, laboratory, (2)Any members of"your boards";or x-ray or nursing services, treatment, advice or instruction, or the related furnishing of (3)Any of your "employees" or "volunteer food or beverages; workers"; b. The furnishing or dispensing of drugs or other than a doctor or nurse; medical, dental or surgical supplies or appliances; EU 03 55 0918 ©2018 The Travelers Indemnity Company.All rights reserved. Page 2 of 3 Includes copyrighted material of Insurance Services Office,Inc.with its permission. UMBRELLA C. The handling or treatment of corpses, b. Any state in the United States of America. including autopsies, organ donations and "Joint powers authority" means any organization other postmortem procedures; formed by two or more public entities, or by a d. Any health or therapeutic service, public entity and one or more "Indian tribes", treatment,advice or instruction; that have agreed in a contract or agreement to e. Any service, treatment,advice or instruction jointly exercise any power common to them. for the purpose of appearance or skin "Your boards": enhancement, hair removal or replacement a. Means any board, commission, or other or personal grooming; governmental unit or department that: f. Any psychiatric, psychological or emotional (1) Is under your jurisdiction;and counseling service, treatment, advice or (2)Is funded and operated as part of your instruction;and total operating budget. g. The service by any person as a member of a b. Does not include any "joint powers formal accreditation, standards review, peer authority". review or equivalent professional board or committee or member of any professional organization or committee. 4. The following is added to Paragraph B. of SECTION VI - DEFINITIONS: "Indian tribe"means a tribe, band,pueblo,village or community of American Indians, or Alaska Natives, that has been recognized as an Indian tribe by the government of: a. The United States of America;or EU 03 55 0918 ©2018 The Travelers Indemnity Company.All rights reserved. Page 3 of 3 Includes copyrighted material of Insurance Services Office,Inc.with its permission. UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. STATUTORY CAP LIMITS OF INSURANCE ENDORSEMENT This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE PROVISIONS b. This policy's Occurrence Limit will apply in 1. The following is added to Paragraph A., the same manner as such "statutory cap COVERAGE A - EXCESS FOLLOW - FORM limit of insurance" would have applied in LIABILITY,of SECTION I - COVERAGES: such"underlying insurance". Coverage A of this insurance does not apply to 4. The following is added to Paragraph A. of "damages in excess of a statutory cap". SECTION VI - DEFINITIONS: 2. The following is added to Paragraph 8. in "Damages in excess of a statutory cap" means Paragraph B., COVERAGE B - UMBRELLA damages that: LIABILITY,of SECTION I - COVERAGES: a. Are subject to a particular state's statutory Coverage B of this insurance also does not apply cap or caps on damages for governmental to"damages in excess of a statutory cap". tort liability;and 3. The following is added to Paragraph D. of b. Are in excess of a "statutory cap limit of SECTION III - LIMITS OF INSURANCE: insurance"that applies to such damages. For"damages subject to a statutory cap": "Damages subject to a statutory cap"means: a. Damages to which Coverage A of this a. The amount of this policy's Occurrence Limit insurance applies that would have been will be the amount of the following subject to a statutory cap limit of "statutory cap limit of insurance" when it is insurance" in the "underlying insurance" but less than the Occurrence Limit shown in the for the exhaustion of its applicable Declarations of this insurance: aggregate limit of insurance;or (1) With respect to damages to which b. Damages to which Coverage B of this Coverage A of this insurance applies,the insurance applies that would have been "statutory cap limit of insurance" that subject to a "statutory cap limit of would have applied to such damages in insurance" in the Commercial General the policy of "underlying insurance" but Liability "underlying insurance" but for the for the exhaustion of its applicable application of any exclusion or other aggregate limit of insurance;or coverage limitation in such "underlying (2)With respect to damages to which insurance". Coverage B of this insurance applies,the "Statutory cap limit of insurance" means any "statutory cap limit of insurance" that limit of insurance that: would have applied to such damages in a. Applies to damages that are subject to a the policy of Commercial General particular state's statutory cap or caps on Liability "underlying insurance" but for damages for governmental tort liability;and the application of any exclusion or other coverage limitation in such "underlying b. Is included in a policy of "underlying insurance". insurance" because a Statutory Cap Limits The amount of such "statutory cap limit of Of Insurance Endorsement adding a limit of insurance" is shown in the Statutory Cap insurance described in Paragraph a. above is Limits Of Insurance Endorsement adding part of such policy. that limit in such"underlying insurance". EU 03 65 0818 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ABUSE OR MOLESTATION EXCLUSION - COVERAGES A AND B - WITH LIMITED FOLLOW-FORM EXCEPTION This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE PROVISIONS which such insurance would apply but for the 1. The following exclusion is added to Paragraph A. exhaustion of its applicable limits of insurance. of SECTION IV- EXCLUSIONS: 2. The following is added to Paragraph A. of Abuse Or Molestation SECTION VI - DEFINITIONS: Damages arising out of any act of "abuse or "Abuse or molestation" means any actual or molestation"committed by any person. threatened illegal or offensive act committed against any person who is: With respect to Coverage A, if your "underlying a. Under 18 years of age; insurance" includes any of the following insurance: b. Your student; a. Law Enforcement Liability; C. Legally incompetent;or b. Public Entity Employment-Related Practices d. In the care, custody or control of any Liability;or insured; C. Public Entity Management Liability; regardless of whether such illegal or offensive this exclusion does not apply to damages to act involved physical contact with such person. EU 04 011019 ©2019 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INTELLECTUAL PROPERTY EXCLUSION - COVERAGE B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE The following replaces Exclusion 23., Intellectual This exclusion applies regardless of whether the Property, in Paragraph B. of SECTION IV - allegation of infringement or violation of any of EXCLUSIONS: these rights or laws is made by any person or organization making the claim or bringing the 23. Intellectual Property "suit", by any insured or by any other party to "Personal injury" or "advertising injury" arising the claim or"suit". out of any actual or alleged infringement or This exclusion does not apply to: violation of any of the following rights or laws, or any other"personal injury"or"advertising injury" a. "Advertising injury" arising out of any actual alleged in any claim or "suit"that also alleges any or alleged infringement or violation of such infringement or violation: another's copyright, "title" or "slogan" in your"advertisement";or a. Copyright; b. Any other "personal injury" or "advertising b. Patent; injury"alleged in any claim or "suit"that also c. Trade dress; alleges any such infringement or violation of another's copyright, "title" or "slogan" in d. Trade name; your"advertisement". e. Trademark; f. Trade secret;or g. Other intellectual property rights or laws. EU 04 2109 21 ©2021 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. PFAS EXCLUSION - COVERAGES A AND B This endorsement modifies insurance provided under the following: EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE PROVISIONS removing, containing, treating, 1. The following exclusion is added to Paragraph A. detoxifying or neutralizing, or in any way of SECTION IV- EXCLUSIONS: responding to, or assessing the effects of, "PFAS" or "PFAS-containing PFAS products". a. Damages arising out of the actual or alleged 2. The following is added to Paragraph A. of presence or actual, alleged or threatened SECTION VI- DEFINITIONS: discharge, dispersal, seepage, migration, „ release, escape, ingestion, inhalation or PFAS„means: absorption of, or exposure to, "PFAS" or a. Any perfluoroalkyl or polyfluoroalkyl "PFAScontaining products", provided that substance, meaning any fluorinated the damages are caused or contributed to by substance that contains at least one fully the hazardous properties of"PFAS". fluorinated methyl or methylene carbon b. Damages arising out of the actual or alleged atom without any hydrogen, chlorine, presence or actual, alleged or threatened bromine or iodine atom attached to it;or discharge, dispersal, seepage, migration, b. Any precursor, replacement, degradation or release, escape, ingestion, inhalation or breakdown by-product of any substance absorption of, or exposure to, any other described in Paragraph a.above. solid, liquid, gaseous or thermal irritant or "PFAS-containing products": contaminant, including smoke, vapors, soot, fumes, acids, alkalis, chemicals and waste, a. Means: and that is part of any claim or "suit" which (1) Any goods or products that contain or also alleges any damages described in incorporate"PFAS"in any form;and Paragraph a.above. (2) Containers, materials, parts or c. Any loss,cost or expense arising out of any: equipment furnished in connection with (1) Request, demand, order or statutory or any such goods or products. regulatory requirement that any insured b. Includes: or others test for, monitor, clean up, remove, contain, treat, detoxify or (1) Warranties or representations made at neutralize, or in any way respond to, or any time with respect to the fitness, assess the effects of, "PFAS" or quality,durability,performance or use of "PFAS-containing products";or any such goods or products;and (2) Claim or suit by or on behalf of a (2) The providing of or failure to provide governmental authority or any other warnings or instructions in connection person or organization because of with any such goods or products. testing for, monitoring, cleaning up, EU 04 4109 22 ©2022 The Travelers Indemnity Company.All rights reserved. Page 1 of 1