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City Of Twin Falls-24-25 Liability Renewal (3)
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: Insured Company:The Charter Oak Fire Insurance Co CITY OF TWIN FALLS Policy Inception/Effective Date: 10/01/24 N Policy Number: S ZLP-91N68510-24-PB U Agency Number: 1160106 R 321 2nd Ave E E Transaction Type: D Twin Falls ID 83301 Renewal of Policy Transaction number: 001 Processing date: 10/09/24 07:52 A HUB INTERNATIONAL G PO BOX 5099 E TTWIN FALLS ID 83303 Policy Description Amount Surtax/ Number Surcharge 911\168510 General Liability/Professional Liability $200,940.00 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 Two 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. TRAVELERS!' Thank you for choosing Travelers for your EPL insurance needs.You now have access to the Travelers approved vendor services: 1) Free EPL Hotline 1-866-EPL-TRAV(1-866-375-8728); 2) Free Risk Management PLUS+Online@ 1-888-712-7667;and 3) LocalGovU 1-866-845-8887 for convenient and affordable training at discounted fees for your public entity employees. EMPLOYMENT PRACTICES LIABILITY HOTLINE As part of the services provided through Risk Management PLUS+Online®,Travelers is pleased to provide its Employment Practices Liability policyholders with up to one hour of access to a toll-free hotline designed to provide quick and practical risk management guidance on day-to-day workplace issues. This hotline is staffed by a nationally recognized employment law firm exclusively dedicated to representing management on workplace issues and is available at no additional cost to Employment Practices Liability policyholders. From reviewing the proper steps for a sexual harassment investigation to discussing general factors to consider before making employment decisions, the firm's attorneys are available to assist policyholders in managing their workplace risk and minimizing employment-related claims. To utilize the hotline,call 1-866-EPL-TRAV(1-866-375-8728). We encourage policyholders to take advantage of this risk management tool. For more information about the hotline, go to www.rmplusonline.com/EPLhotline. ENROLL IN THE FREE RISK MANAGEMENT PLUS+ ONLINE° SITE Travelers is pleased to announce enhancements to Risk Management PLUS+ Online®, our employment practices risk management program that is automatically available to you at no additional charge when you purchase or renew coverage with Travelers. Risk Management PLUS+ Online® continues to be the industry's most comprehensive program for mitigating exposure to employment lawsuits.The program includes management training on discrimination,sexual harassment,wrongful termination,and workplace ethics. Other features of Risk Management PLUS+Online®include: • Web-based delivery of updated employment policies and forms • Web-based interactive sexual harassment training(This is a for fee feature provided by The McCalmon Group,Inc.) • Checklists on best practices for the workplace • A searchable library • Weekly news and information on workplace issues written by employment professionals • Flexible format that allows you to decide which employees have access to materials • Links to important federal and state agencies and legislation Registration for Site Administrators: The Site Administrator is the person in your organization who will oversee Risk Management PLUS+Online®for the organization.The Site Administrator is typically a person who leads human resources and/or is responsible for legal matters pertaining to personnel.The Site Administrator may add other Site Administrators later to assist with their responsibilities.To register: 1. GotoWWW.rMQ1Uspss.00m. 2. In the Sign-In box,click the red REGISTER button. 3. Enter your Travelers Public Sector policy number in the password/passcode box. 4. Fill in the Registration Information and click Submit. CP-847410-20 © 2020 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 5. Your organization is registered,and you are registered as Site Administrator Learning to Navigate the Site: 1. Go to www.rmi2luspss.com. On each page,you will see a box outlined in red that contains the instructions for use of that page. 2. If you have any questions,just click on Contact Us on the front page. Enter your question in the form provided,and the System Administrator will get back to you quickly with the answer. 3. You can also schedule a live walk-through of the Site by sending a request for a walk-through via the contact link on the front page. ACCESS LOCALGOVU FOR CONVENIENT AND AFFORDABLE EMPLOYEE TRAINING To help with your unique training needs,Travelers has partnered with LocalGovU to provide access to affordable online training wherever you have internet access. These online training systems are easy to use and feature a learning management system with tracking and reporting capabilities.LocalGovU can track all of the following on an employee-by-employee basis for: • Total time spent in a course • Quizscores • Date the employee passed the quiz • Pass/Fail records • Course progress by employee LocalGovU provides reports for administrator,making employee tracking a breeze. In addition to system reports,you'll be able to easily export data into a CSV,Tab Delimited or XML file. These tracking and reporting capabilities for testing may help reduce liability in situations where proof of training is needed. LocalGovU provides the highest quality courses at an affordable price. By taking advantage of these programs, your public entity can find the appropriate training you need when you need it. There are more than 160 e-learning courses available, making it the leading local government specific curriculum in the United States. Learning courses are available in a variety of categories including Human Resources, Safety & Environmental, Corrections, Law Enforcement(approved by the peace officers standards and training(POST)certification in many states for CEU credits). Log in to the Risk Control Customer Portal at trovelers.com/riskcontro/.Once in the Portal,click on the Education Center.Create an account for yourself-or if you need to track and document training for your entire staff-set up an organizational account.Once your account is set up,log in to IOCQIgOVU.The online training system will prompt you to select your courses and you can begin training. CP-847410-20 © 2020 The Travelers Indemnity Company.All rights reserved. Page 2 of 2 ,�� One Tower Square,Hartford,Connecticut 06183 TRAVELERS!' Telephone:1-800-328-2189 COMMON POLICY DECLARATIONS POLICY NUMBER:ZLP-91N68510-24-PB ISSUE DATE:10/21/24 INSURING COMPANY: THE CHARTER OAK FIRE INSURANCE COMPANY 1. NAMED INSURED AND MAILING ADDRESS: CITY OF TWIN FALLS A PUBLIC ENTITY 321 2ND AVE E TWIN FALLS, ID 83301 2. POLICY PERIOD: From 10/01/24 to 10/01/2512:01 A.M.Standard Time at your mailing address. 3. LOCATIONS: Premises Bldg. Address(same as Mailing Address Loc. No. No. Occupancy unless specified otherwise) 4. COVERAGE PARTS FORMING PART OF THIS POLICY AND INSURING COMPANIES: COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS CG TO 01 EMPLOYEE BENEFITS LIABILITY COVERAGE PART DECLARATIONS CG TO 09 PUBLIC ENTITY EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART DEC PR TO 05 CONTINUED ON FORM IL T8 00 5. NUMBERS OF INTERLINE FORMS AND ENDORSEMENTS FORMING PART OF THIS POLICY: SEE IL T8 01 6 SUPPLEMENTAL POLICIES: Each of the following is a separate policy containing its complete provisions: Policy Policy No. Insuring Company 7. PREMIUM SUMMARY: Provisional Premium $SEE Due at Inception $DELIVERY Due Each $INVOICE NAME AND ADDRESS OF AGENT OR BROKER COUNTERSIGNED BY: HUB INTERNATIONAL Authorized Representative P.O. BOX 5099 TWIN FALLS ID 83303-5099 Date: IL TO 021189(Rev.09-07) Page 1 of 2 IL TO 021189(Rev.09-07) Page 2 of 2 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions: A. Cancellation C. Examination Of Your Books And Records 1. The first Named Insured shown in the We may examine and audit your books and Declarations may cancel this policy by records as they relate to this policy at any time mailing or delivering to us advance written during the policy period and up to three years notice of cancellation. afterward. 2. We may cancel this policy or any Coverage D. Inspections And Surveys Part by mailing or delivering to the first 1. We have the right to: Named Insured written notice of a. Make inspections and surveys at any cancellation at least: time; a. 10 days before the effective date of b. Give you reports on the conditions we cancellation if we cancel for nonpayment find;and of premium;or b. 30 days before the effective date of C. Recommend changes. cancellation if we cancel for any other 2. We are not obligated to make any reason. inspections, surveys, reports or 3. We will mail or deliver our notice to the first recommendations and any such actions we Named Insured's last mailing address known do undertake relate only to insurability and to us. the premiums to be charged. We do not make safety inspections. We do not 4. Notice of cancellation will state the effective undertake to perform the duty of any person date of cancellation.If the policy is cancelled, or organization to provide for the health or that date will become the end of the policy safety of workers or the public. And we do period. If a Coverage Part is cancelled, that not warrant that conditions: date will become the end of the policy period a. Are safe or healthful;or as respects that Coverage Part only. 5. If this policy or any Coverage Part is b. Comply with laws, regulations, codes or cancelled, we will send the first Named standards. Insured any premium refund due. If we 3. Paragraphs 1. and 2. of this condition apply cancel,the refund will be pro rata. If the first not only to us, but also to any rating, Named Insured cancels, the refund may be advisory, rate service or similar organization less than pro rata. The cancellation will be which makes insurance inspections, surveys, effective even if we have not made or offered reports or recommendations. a refund. 4. Paragraph 2. of this condition does not 6. If notice is mailed, proof of mailing will be apply to any inspections,surveys, reports or sufficient proof of notice. recommendations we may make relative to B. Changes certification, under state or municipal statutes, ordinances or regulations, of This policy contains all the agreements between boilers,pressure vessels or elevators. you and us concerning the insurance afforded. The first Named Insured shown in the E. Premiums Declarations is authorized to make changes in 1. The first Named Insured shown in the the terms of this policy with our consent. This Declarations: policy's terms can be amended or waived only by endorsement issued by us as part of this policy. a. Is responsible for the payment of all premiums;and IL TO 010107(Rev.09-18) Page 1 of 2 Includes copyrighted material of Insurance Services Office,Inc.with its permission. b. Will be the payee for any return If you die, your rights and duties will be premiums we pay. transferred to your legal representative but only 2. We compute all premiums for this policy in while acting within the scope of duties as your legal representative. Until your legal accordance with our rules, rates, rating representative is appointed, anyone having plans, premiums and minimum premiums. proper temporary custody of your property will The premium shown in the Declarations was have your rights and duties but only with respect computed based on rates and rules in effect to that property. at the time the policy was issued. On each renewal continuation or anniversary of the G. Equipment Breakdown Equivalent to effective date of this policy,we will compute Boiler and Machinery the premium in accordance with our rates On the Common Policy Declarations, the term and rules then in effect. Equipment Breakdown is understood to mean F. Transfer Of Your Rights And Duties Under and include Boiler and Machinery and the term This Policy Boiler and Machinery is understood to mean and Your rights and duties under this policy may not include Equipment Breakdown. be transferred without our written consent except in the case of death of an individual named insured. This policy consists of the Common Policy Declarations and the Coverage Parts and endorsements listed in that declarations form. In return for payment of the premium,we agree with the Named Insured to provide the insurance afforded by a Coverage Part forming part of this policy.That insurance will be provided by the company indicated as insuring company in the Common Policy Declarations by the abbreviation of its name opposite that Coverage Part. One of the companies listed below (each a stock company) has executed this policy, and this policy is countersigned by the officers listed below: The Travelers Indemnity Company(I ND) The Phoenix Insurance Company(PHX) The Charter Oak Fire Insurance Company(COF) Travelers Property Casualty Company of America(TI L) The Travelers Indemnity Company of Connecticut(TCT) The Travelers Indemnity Company of America(TIA) Travelers Casualty Insurance Company of America(ACJ) Secretary President IL TO 010107(Rev.09-18) Page 2 of 2 Includes copyrighted material of Insurance Services Office,Inc.with its permission. TRAVELERS POLICY NUMBER: ZLP-91N68510-24-Pl3 EFFECTIVE DATE: 10/01/24 ISSUE DATE: 10/21/24 LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS This listing shows the number of forms,schedules and endorsements by line of business. IL TO 02 11 89 COMMON POLICY DECLARATIONS IL TO 01 01 07 COMMON POLICY CONDITIONS IL T8 01 10 93 FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS IL T3 68 01 21 FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE IL 00 21 09 08 NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT IL T4 12 03 15 AMENDMENT OF COMMON POLICY CONDITIONS-PROHIBITED COVERAGE UNLICENSED INSURANCE AND TRADE OR ECONOMIC SANCTIONS IL T4 14 01 21 CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM IL T4 27 06 19 ADDITIONAL BENEFITS IL T8 00 08 09 GENERAL PURPOSE ENDORSEMENT IL 02 04 09 08 IDAHO CHANGES - CANCELLATION AND NONRENEWAL COMMERCIAL GENERAL LIABILITY CG TO 01 11 03 COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS CG TO 34 02 19 TABLE OF CONTENTS COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG TO 08 11 03 KEY TO DECLARATIONS PREMIUM SCHEDULE CG TO 09 09 93 EMPLOYEE BENEFITS LIABILITY COVERAGE PART DECLARATIONS CG T1 00 02 19 COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG T1 01 01 16 EMPLOYEE BENEFITS LIABILITY COVERAGE FORM CG D2 03 12 97 AMENDMENT - NON CUMULATION OF EACH OCCURRENCE LIMIT OF LIABILITY AND NON CUMULATION OF PERSONAL & ADVERTISING INJURY LIM CG D4 21 07 08 AMENDMENT OF CONTRACTUAL LIABILITY EXCLUSION -EXCEPTION FOR DAMAGES ASSUMED IN AN INSURED CONTRACT APPLIES ONLY TO NAMED CG DO 76 06 93 EXCLUSION - LEAD CG D1 42 02 19 EXCLUSION - DISCRIMINATION CG TO 43 01 16 TABLE OF CONTENTS - EMPLOYEE BENEFITS LIABILITY COVERAGE FORM CG F5 39 05 19 LIMITED ABUSE OR MOLESTATION LIABILITY COVERAGE - INCLUDES STATUTORY CAP LIMIT OF INSURANCE - IDAHO CG D4 81 02 09 PROFESSIONAL HEALTH CARE AND SOCIAL SERVICES LIABILITY COVERAGE - DESIGNATED PROFESSIONALS - PUBLIC ENTITIES CG D2 98 11 03 EXCLUSION-INJURY TO VOLUNTEER FIREFIGHTERS CG D4 86 02 09 FAILURE TO SUPPLY - LIMITED COVERAGE CG D4 77 02 19 AMENDMENT-POLLUTION EXCLUSION-INCL. LIMITED POLLUTION COSTS LIAB COVG-PUBLIC ENTITIES OR INDIAN TRIBES-SEWAGE BACK-UP. . CG D4 87 02 09 DEDUCTIBLE ENDORSEMENT - LIMITS OF INSURANCE APPLY EXCESS OF DEDUCTIBLES - DEDUCTIBLES APPLY ONLY TO DAMAGES (AND LIMI CG D4 88 02 17 EXCLUSION - DESIGNATED ACTIVITIES OR OPERATIONS GN 01 82 11 03 COVERAGE C - MEDICAL PAYMENTS EXCLUSION CG F5 09 02 09 STATUTORY CAP LIMIT OF INSURANCE ENDORSEMENT - IDAHO ILT8011093 Page 1 of 2 CG D4 70 02 09 EXCLUSION - EMPLOYEES AND VOLUNTEER WORKERS AS INSUREDS FOR CERTAIN BODILY INJURY, PERSONAL INJURY AND PROPERTY DAMAGE CG D4 72 02 17 EXCLUSION-LAW ENFORCEMENT ACTIVITIES OR OPERATIONS CG D4 74 04 19 MOBILE EQUIPMENT REDEFINED - PUBLIC ENTITIES CG D4 75 02 19 EXCLUSION - PROFESSIONAL HEALTH CARE SERVICES - PUBLIC ENTITIES CG D4 76 02 09 EXCLUSION - PUBLIC USE OF PRIVATE PROPERTY CG D4 79 02 09 FUNGI OR BACTERIA EXCLUSION - WITH LIMITED EXCEPTION FOR BACTERIA IN SEWAGE BACK-UP CG D4 80 02 19 XTEND ENDORSEMENT FOR PUBLIC ENTITIES CG D6 18 10 11 EXCLUSION - VIOLATION OF CONSUMER FINANCIAL PROTECTION LAWS CG D7 76 01 16 UNMANNED AIRCRAFT EXCLUSION - WITH EXCEPTIONS FOR DESIGNATED AIRCRAFT AND CERTAIN ADVERTISING INJURY CG D9 10 09 21 AMENDMENT OF INTELLECTUAL PROPERTY EXCLUSION CG D9 41 09 22 EXCLUSION - PFAS PROFESSIONAL PR TO 01 02 09 LAW ENFORCEMENT LIABILITY COVERAGE PART DECLARATIONS PR TO 03 02 09 PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART DECLARATIONS PR TO 05 02 15 PUBLIC ENTITY EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART DECLARATIONS PR T1 04 02 09 LAW ENFORCEMENT LIABILITY COVERAGE FORM PR T1 06 02 09 PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE FORM PR T1 08 02 09 PUBLIC ENTITY EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE FORM PR T3 43 02 09 FUNGI OR BACTERIA EXCLUSION PR T4 27 01 15 AMENDMENT OF NETWORK AND INFORMATION SECURITY WRONGFUL ACT DEFINITION PR T5 04 07 12 EXCLUSION - OTHER EMPLOYMENT LAWS PR T5 07 02 18 LIMITED SPECIAL EXPENSES COVERAGE - KEY EMPLOYEES PR T5 12 05 14 MOBILE EQUIPMENT REDEFINED - EXCLUSION OF VEHICLES SUBJECT TO MOTOR VEHICLE LAWS PR T5 24 07 15 EXCLUSION - LEAD PR T5 26 01 16 DEFENSE EXPENSES REIMBURSEMENT FOR INJUNCTIVE RELIEF SUITS PR T5 29 01 16 UNMANNED AIRCRAFT EXCLUSION - WITH EXCEPTION FOR DESIGNATED AIRCRAFT PR T5 45 02 17 AMENDMENT OF LAW ENFORCEMENT ACTIVITIES OR OPERATIONS DEFINITION PR T5 46 02 18 AMENDMENT OF LAW ENFORCEMENT ACTIVITIES OR OPERATIONS PR T5 67 03 18 WORKPLACE VIOLENCE EXPENSES COVERAGE PR T5 76 02 19 AMENDMENT OF JOINT POWERS AUTHORITY DEFINITION PR T5 93 08 23 EXCLUSION - PFAS PR T5 94 08 23 EXCLUSION - PFAS PR F0 26 01 17 IDAHO MANDATORY ENDORSEMENT PR F1 15 02 09 STATUTORY CAP LIMITS OF INSURANCE ENDORSEMENT - LAW ENFORCEMENT LIABILITY - IDAHO 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 EEOC HEARINGS AND EMPLOYMENT-RELATED PRACTICES LIABILITY 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. You have purchased Public Entity Employment-Related Practices Liability Coverage (EPL) as part of your policy with Travelers. Please note that a "governmental administrative proceeding," including an Equal Employment Opportunity Commission(EEOC) proceeding,is considered to be a "suit" under the EPL policy. If a claim or"suit", including an EEOC proceeding, is made or brought against any insured, you must notify us as soon as practicable. Failure to do so could possibly result in a denial of coverage. PN T6 88 0111 ©2011 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. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply: C. Under any Liability Coverage, to "bodily A. Under any Liability Coverage, to bodily injury" or "property damage" resulting from injury or property damage "hazardous properties"of"nuclear material", if: (1) With respect to which an "insured" (1) The "nuclear material" (a) is at any under the policy is also an insured under a nuclear energy liability policy issued by "nuclear facility" owned by, or operated Nuclear Energy Liability Insurance by or on behalf of, an "insured" or (b) Association, Mutual Atomic Energy has been discharged or dispersed therefrom; Liability Underwriters, Nuclear Insurance Association of Canada or any of their (2)The "nuclear material" is contained in successors, or would be an insured "spent fuel" or "waste" at any time under any such policy but for its possessed, handled, used, processed, termination upon exhaustion of its limit stored,transported or disposed of, by or of liability;or on behalf of an"insured";or (2)Resulting from the "hazardous (3)The"bodily injury"or "property damage" properties" of "nuclear material" and arises out of the furnishing by an with respect to which (a) any person or "insured" of services, materials, parts or organization is required to maintain equipment in connection with the financial protection pursuant to the planning, construction, maintenance, Atomic Energy Act of 1954, or any law operation or use of any"nuclear facility", amendatory thereof, or (b) the but if such facility is located within the "insured" is, or had this policy not been United States of America, its territories issued would be, entitled to indemnity or possessions or Canada, this exclusion from the United States of America, or (3)applies only to"property damage"to any agency thereof, under any such "nuclear facility" and any property agreement entered into by the United thereat. States of America, or any agency 2. As used in this endorsement: thereof,with any person or organization. B. Under any Medical Payments coverage, to "Hazardous properties" includes radioactive, expenses incurred with respect to "bodily toxic or explosive properties. injury" resulting from the "hazardous "Nuclear material" means "source material", properties" of "nuclear material" and arising "special nuclear material" or "by-product out of the operation of a "nuclear facility" by material". any person or organization. IL 00 2109 O8 ©ISO Properties,Inc.,2007 Page 1 of 2 "Source material", "special nuclear material", (c) Any equipment or device used for the and "by-product material" have the meanings processing,fabricating or alloying of"special given them in the Atomic Energy Act of 1954 or nuclear material" if at any time the total in any law amendatory thereof. amount of such material in the custody of "Spent fuel" means any fuel element or fuel the "insured" at the premises where such component, solid or liquid, which has been used equipment or device is located consists of or or exposed to radiation in a"nuclear reactor". contains more than 25 grams of plutonium or uranium 233 or any combination thereof, "Waste" means any waste material (a) or more than 250 grams of uranium 235; containing"by-product material"other than the tailings or wastes produced by the extraction or (d)Any structure,basin,excavation,premises or concentration of uranium or thorium from any place prepared or used for the storage or ore processed primarily for its "source material" disposal of"waste"; content,and(b) resulting from the operation by and includes the site on which any of the any person or organization of any "nuclear foregoing is located,all operations conducted on facility" included under the first two paragraphs such site and all premises used for such of the definition of"nuclear facility". operations. "Nuclear facility"means: "Nuclear reactor"means any apparatus designed (a)Any"nuclear reactor"; or used to sustain nuclear fission in a self-supporting chain reaction or to contain a (b)Any equipment or device designed or used critical mass of fissionable material. for(1)separating the isotopes of uranium or "Property damage" includes all forms of plutonium,(2) processing or utilizing"spent radioactive contamination of property. fuel", or (3) handling, processing or packaging"waste"; IL 00 2109 O8 ©ISO Properties,Inc.,2007 Page 2 of 2 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COMMON POLICY CONDITIONS - PROHIBITED COVERAGE - UNLICENSED INSURANCE AND TRADE OR ECONOMIC SANCTIONS This endorsement modifies insurance provided under the following: ALL COVERAGES INCLUDED IN THIS POLICY The following is added to the Common Policy b. The furnishing of certificates or other Conditions: evidence of insurance in any country or Prohibited Coverage- Unlicensed Insurance jurisdiction in which we are not licensed to provide insurance. 1. With respect to loss sustained by any insured, or loss to any property, located in a country or Prohibited Coverage - Trade Or Economic jurisdiction in which we are not licensed to Sanctions provide this insurance, this insurance does not We will provide coverage for any loss, or otherwise apply to the extent that insuring such loss would will provide any benefit, only to the extent that violate the laws or regulations of such country or providing such coverage or benefit does not expose jurisdiction. us or any of our affiliated or parent companies to: 2. We do not assume responsibility for: 1. Any trade or economic sanction under any law or a. The payment of any fine, fee, penalty or regulation of the United States of America;or other charge that may be imposed on any 2. Any other applicable trade or economic person or organization in any country or sanction,prohibition or restriction. jurisdiction because we are not licensed to provide insurance in such country or jurisdiction;or IL T412 0315 © 2014 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL EXCESS LIABILITY(UMBRELLA)INSURANCE COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CYBERFIRST ESSENTIALS LIABILITY COVERAGE PART CYBERFIRST LIABILITY COVERAGE DELUXE PROPERTY COVERAGE PART EMPLOYEE BENEFITS LIABILITY COVERAGE PART EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART EMPLOYMENT PRACTICES LIABILITY'WITH IDENTITY FRAUD EXPENSE REIMBURSEMENT COVERAGEPART ENVIRONMENTAL HAZARD POLICY EQUIPMENT BREAKDOWN COVERAGE PART EXCESS(FOLLOWING FORM) LIABILITY INSURANCE LAW ENFORCEMENT LIABILITY COVERAGE PART LIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PART LIQUOR 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 Coverage Part or Coverage Form included in this policy that is subject to the federal Terrorism Risk Insurance Act of 2002 as amended The following is added to this policy. This provision "Certified act of terrorism" means an act that is can limit coverage for any loss arising out of a certified by the Secretary of the Treasury, in "certified act of terrorism" if such loss is otherwise accordance with the provisions of "TRIA", to be an covered by this policy.This provision does not apply act of terrorism pursuant to "TRIA". The criteria if and to the extent that coverage for the loss is contained in "TRIA" for a "certified act of terrorism" excluded or limited by an exclusion or other include the following: coverage limitation for losses arising out of"certified 1. The act resulted in insured losses in excess of$5 acts of terrorism" in another endorsement to this million in the aggregate, attributable to all types policy. of insurance subject to"TRIA";and If aggregate insured losses attributable to "certified 2. The act is a violent act or an act that is acts of terrorism" exceed $100 billion in a calendar dangerous to human life, property or year and we have met our insurer deductible under infrastructure and is committed by an individual "TRIA", we will not be liable for the payment of any or individuals as part of an effort to coerce the portion of the amount of such losses that exceeds civilian population of the United States or to $100 billion, and in such case, insured losses up to influence the policy or affect the conduct of the that amount are subject to pro rata allocation in United States Government by coercion. accordance with procedures established by the "TRIA" means the federal Terrorism Risk Insurance Secretary of the Treasury. Act of 2002 as amended. IL T414 0121 © 2020 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL BENEFITS This endorsement modifies insurance provided under the following: ALL COVERAGES INCLUDED IN THIS POLICY The following Condition is added to each Common 3. While we may arrange for these Additional Policy Conditions included in this policy: Benefits, the other provider is liable to you or Additional Benefits the other insured for the provision of the goods and services. We do not warrant the 1. We may offer or provide, or allow others to merchantability, fitness or quality of any goods provide,you or another insured under this policy or services provided or assume any additional with goods and services, access to discounted obligation related to any Additional Benefits goods and services, other program benefits or provided. other items of value that could assist your 4. We have the right to modify or discontinue any business with managing your risk, with servicing your policy or with staying informed about loss Additional Benefits provided by us, or others control and mitigation of risk. authorized by us, without notice to you or any other insured. 2. These Additional Benefits may be provided in any form. You or another insured under this policy may be eligible to receive additional benefits. You are under no obligation to pursue any of these Additional Benefits. IL T4 27 0619 ©2019 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 NAMED INSURED:CITY OF TWIN FALLS EFFECTIVE DATE:10/01/2024 POLICY NUMBER:ZLP-91N68510-24-PB ISSUE DATE:10/21/24 GENERAL PURPOSE ENDORSEMENT CONTINUATION OF FORM IL TO 02, ITEM 4. PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART DECLARATIONS PR TO 03 LAW ENFORCEMENT LIABILITY COVERAGE PART DECLARATIONS PR TO 01 ILT8000809 Page 1 of 2 ILT8000809 Page 2 of 2 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IDAHO CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM(OUTPUT POLICY)COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 1. and 2. of the Cancellation (1) Nonpayment of premium; Common Policy Condition are replaced by the (2) Fraud or material misrepresentation following: made by you or with your knowledge 1. The first Named Insured shown in the in obtaining the policy, continuing Declarations may cancel this policy by the policy or in presenting a claim mailing or delivering to us advance written under the policy; notice of cancellation. Cancellation will be (3)Acts or omissions on your part which effective on the later of the date requested increase any hazard insured against; by the first Named Insured or the date we receive the request. (4)Change in the risk which materially increases the risk of loss after the 2. Policies In Effect policy has been issued or renewed a. 60 Days Or Less including, but not limited to, an If this policy has been in effect for 60 increase in exposure due to days or less, we may cancel this policy by regulation, legislation or court mailing or delivering to the first Named decision; Insured written notice of cancellation at (5)Loss of or decrease in reinsurance least: which provided us with coverage for (1) 10 days before the effective date of all or part of the risk insured; cancellation if we cancel for (6)A determination by the Director of nonpayment of premium. If Insurance that continuation of this delivered via United States mail, the policy would jeopardize our solvency 10 day notification period begins to or place us in violation of the run five days following the date of insurance laws of Idaho or any other postmark;or state;or (2)30 days before the effective date of (7) Violation or breach by the insured of cancellation if we cancel for any any policy terms or conditions other other reason. than nonpayment of premium. b. More Than 60 Days We will mail or deliver written notice If this policy has been in effect for more of cancellation to the first Named than 60 days, or is a renewal of a policy Insured at least: we issued,we may cancel this policy only for one or more of the following reasons: IL 02 04 09 08 © ISO Properties, Inc., 2007 Page 1 of 2 (a)10 days before the effective date C. The following Condition is added: of cancellation if we cancel for PREMIUM OR COVERAGE CHANGES AT nonpayment of premium. If RENEWAL delivered via United States mail, the 10 day notification period 1. If we elect to renew this policy, we will mail begins to run five days following or deliver written notice of any total the date of postmark;or premium increase greater than ten percent (b)30 days before the effective (10%) which is the result of a comparable date of cancellation if we cancel increase in premium rates, change in for any other reason stated in deductible,reduction in limits or reduction in 2.b.above. coverage to the first Named Insured, at the last mailing address known to us. B. The following Condition is added and 2. Any such notice will be mailed or delivered to supersedes any provision to the contrary: the first Named Insured at least 30 days NONRENEWAL before the expiration or anniversary date of 1. If we elect not to renew this policy, we will the policy. mail or deliver to the first Named Insured a 3. If notice is not mailed or delivered at least written notice of intention not to renew at 30 days before the expiration or anniversary least 45 days prior to the expiration or date of the policy, the premium, deductible, anniversary date of the policy. limits and coverage in effect prior to the 2. We will mail or deliver our notice to the first changes will remain in effect until the earlier Named Insured's last mailing address known of the following: to us. a. 30 days after notice is given;or 3. If notice is not mailed or delivered at least 45 b. The effective date of replacement days before the expiration or anniversary coverage obtained by the first Named date of this policy, this policy will remain in Insured. effect until 45 days after notice is mailed or 4. If the first Named Insured accepts the delivered. Earned premium for the extended period of coverage will be calculated pro rata renewal, the premium increase, if any, and other changes will be effective on and after at the rates applicable to the expiring policy. the first day of the renewal term. 4. We need not mail or deliver this notice if: 5. If the first Named Insured elects not to a. We have offered to renew this policy; renew,any earned premium for the resulting b. You have obtained replacement extended period of coverage will be coverage;or calculated pro rata at the lower of the new rates or rates applicable to the expiring C. You have agreed in writing to obtain policy. replacement coverage. 6. If notice is mailed, proof of mailing will be 5. If notice is mailed, proof of mailing will be sufficient proof of notice. sufficient proof of notice. IL 02 04 09 08 ©ISO Properties, Inc., 2007 Page 2 of 2 / TRAVELERS!' One Tower Square, Hartford,Connecticut 06183 COMMERCIAL GENERAL LIABILITY POLICY NO.:ZLP-91N68510-24-PB COVERAGE PART DECLARATIONS ISSUE DATE:10/21/24 INSURING COMPANY: The Charter Oak Fire Insurance Co DECLARATIONS PERIOD: From 10/01/24 to 10/01/25 12:01 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Commercial General Liability Coverage Part consists of these Declarations and the Coverage Form shown below. 1. COVERAGE AND LIMITS OF INSURANCE: COMMERCIAL GENERAL LIABILITY COVERAGE FORM LIMITS OF INSURANCE General Aggregate Limit $2,000,000 (Other than Products-Completed Operations) Products-Completed Operations Aggregate Limit $2,000,000 Personal&Advertising Injury Limit $1,000,000 Each Occurrence Limit $1,000,000 Damage To Premises Rented to You Limit(any one premises) $100,000 Medical Expense Limit(any one person) $EXCLUDED 2. AUDIT PERIOD: 3. FORM OF BUSINESS: SEE COMMON POLICY DECLARATIONS 4. NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. SEE IL T8 01 COMMERCIAL GENERAL LIABILITY COVERAGE IS SUBJECT TO A GENERAL AGGREGATE LIMIT PRODUCER: HUB INTERNATIONAL OFFICE:San Antonio CG TO 011103 Page 1 of 1 TABLE OF CONTENTS COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG T100 0219 SECTION I - COVERAGES Beginning on Page Coverage A- Bodily Injury and Property Insuring Agreement ...................................................1 Damage Liability Exclusions ....................................................................2 Coverage B- Personal and Advertising Insuring Agreement ...................................................6 Injury Liability Exclusions ....................................................................6 Coverage C- Medical Payments Insuring Agreement ...................................................9 Exclusions ....................................................................9 Supplementary Payments ..........................................................................................................10 SECTION II -WHO IS AN INSURED .................................................................................................11 SECTION III - LIMITS OF INSURANCE .............................................................................................13 SECTION IV-COMMERCIAL GENERAL LIABILITY CONDITIONS ...............................................13 Bankruptcy ...................................................................................................................................13 Duties In The Event Of Occurrence,Offense,Claim Or Suit ................................................13 LegalAction Against Us .............................................................................................................14 OtherInsurance ..........................................................................................................................15 PremiumAudit ............................................................................................................................16 Representations .........................................................................................................................16 SeparationOf Insureds ..............................................................................................................16 Transfer Of Rights Of Recovery Against Others To Us .........................................................16 WhenWe Do Not Renew ...........................................................................................................16 SECTION V- DEFINITIONS ...............................................................................................................16 CG TO 34 0219 KEY TO DECLARATIONS PREMIUM SCHEDULE ABBREVIATIONS: CLASS DESCRIPT- means CLASS DESCRIPTION LOC/BLDG NO. - means LOCATION/BUILDING NUMBER OPN NO. - means OPERATION NUMBER PREM/OPS - means PREMISES/OPERATIONS PROD/C- OPS- means PRODUCTS/COMPLETED OPERATIONS PREMIUM BASE: Key Letter Premium Base How Rates Apply a Area per 1,000 square feet c Total Cost per$1,000 of total cost m Admissions per 1,000 admissions o Total Operating Expense per$1,000 of total operating expenditures p Payroll per$1,000 of payroll s Gross Sales per$1,000 of gross sales t (see note* below) see note* below) u Units per unit * Premium base t applies for a number of rarely used premium bases. The specific base and how rates apply are shown with the Class Description on the DECLARATIONS-PREMIUM SCHEDULE. CG TO 081103 ©The Travelers Indemnity Company,2003 Page 1 of 1 TRAVELERS One Tower Square, Hartford,Connecticut 06183 EMPLOYEE BENEFITS LIABILITY POLICY NO.:ZLP-91N68510-24-PB COVERAGE PART DECLARATIONS ISSUE DATE:10/21/24 INSURING COMPANY:THE CHARTER OAK FIRE INSURANCE COMPANY DECLARATIONS PERIOD: From 10/01/24 to 10/O1/25 12:01 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Employee Benefits Liability Coverage Part consists of these Declarations and the Coverage Form shown below. 1. COVERAGE AND LIMITS OF INSURANCE Employee Benefits Liability Coverage Form Limits of Insurance Aggregate Limit $3,000,000 Each Employee Limit $1,000,000 2. AUDIT PERIOD: 3. FORM OF BUSINESS: SEE COMMON POLICY DECLARATIONS 4. RETROACTIVE DATE: This insurance does not apply to negligent acts, errors or omissions which occurred before the Retroactive Date,if any shown below. Retroactive Date:02/16/1994 5. EMPLOYEE BENEFIT PROGRAMS OTHER THAN THOSE LISTED IN SECTION VII - DEFINITIONS: 6. DEDUCTIBLE: $1,000 EACH EMPLOYEE 7. PREMIUM COMPUTATION: Rate Estimated No. Per Estimated Minimum of Employees Employee Premium Premium 326 $381 $ 8. NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENT FORMING PART OF THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. SEE IL T8 01 PRODUCER: HUB INTERNATIONAL OFFICE:San Antonio CG TO 09 09 93 © 1993 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 COMMERCIAL GENERAL LIABILITY COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. b. This insurance applies to "bodily injury" and Read the entire policy carefully to determine rights, "property damage"only if: duties and what is and is not covered. (1) The"bodily injury"or "property damage" Throughout this policy the words "you" and "your" is caused by an "occurrence" that takes refer to the Named Insured shown in the place in the"coverage territory"; Declarations, and any other person or organization qualifying as a Named Insured under this policy. The (2)The"bodily injury"or "property damage" words "we", "us" and "our" refer to the company occurs during the policy period;and providing this insurance. (3)Prior to the policy period, no insured The word "insured" means any person or listed under Paragraph 1. of Section II - organization qualifying as such under Section II - Who Is An Insured and no "employee" Who Is An Insured. Other words and phrases that authorized by you to give or receive appear in quotation marks have special meaning. notice of an "occurrence" or claim knew Refer to Section V- Definitions. that the "bodily injury" or "property damage" had occurred, in whole or in SECTION I - COVERAGES part. If such a listed insured or COVERAGE A - BODILY INJURY AND authorized "employee" knew, prior to PROPERTY DAMAGE LIABILITY the policy period,that the"bodily injury" or"property damage"occurred,then any 1. Insuring Agreement continuation, change or resumption of such "bodily injury" or "property a. We will pay those sums that the insured damage" during or after the policy becomes legally obligated to pay as period will be deemed to have been damages because of "bodily injury" or known prior to the policy period. "property damage" to which this insurance applies. We will have the right and duty to C. "Bodily injury" or "property damage" which defend the insured against any "suit"seeking occurs during the policy period and was not, those damages. However, we will have no prior to the policy period, known to have duty to defend the insured against any"suit" occurred by any insured listed under seeking damages for "bodily injury" or Paragraph 1. of Section II - Who Is An "property damage" to which this insurance Insured or any"employee"authorized by you does not apply. We may, at our discretion, to give or receive notice of an "occurrence" investigate any "occurrence" and settle any or claim, includes any continuation, change claim or"suit"that may result. But: or resumption of that "bodily injury" or "property damage" after the end of the (1) The amount we will pay for damages is policy period. limited as described in Section III - Limits Of Insurance;and d. "Bodily injury" or "property damage" will be deemed to have been known to have (2)Our right and duty to defend end when occurred at the earliest time when any we have used up the applicable limit of insured listed under Paragraph 1. of Section insurance in the payment of judgments II - Who Is An Insured or any "employee" or settlements under Coverages A or B authorized by you to give or receive notice of or medical expenses under Coverage C. an"occurrence"or claim: No other obligation or liability to pay sums (1) Reports all, or any part, of the "bodily or perform acts or services is covered unless injury"or"property damage"to us or any explicitly provided for under Supplementary other insurer; Payments. CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY (2)Receives a written or verbal demand or dispute resolution proceeding in claim for damages because of the"bodily which damages to which this injury"or"property damage";or insurance applies are alleged. (3)Becomes aware by any other means that c. Liquor Liability "bodily injury" or"property damage" has "Bodily injury" or "property damage" for which occurred or has begun to occur. any insured may be held liable by reason of: e. Damages because of "bodily injury" include (1) Causing or contributing to the intoxication damages claimed by any person or of any person; organization for care, loss of services or (2)The furnishing of alcoholic beverages to a death resulting at any time from the "bodily injury". person under the legal drinking age or under the influence of alcohol;or 2. Exclusions (3)Any statute, ordinance or regulation relating This insurance does not apply to: to the sale, gift, distribution or use of a. Expected Or Intended Injury alcoholic beverages. "Bodily injury" or "property damage" This exclusion applies only if you are in the expected or intended from the standpoint of business of manufacturing, distributing, selling, the insured. This exclusion does not apply to serving or furnishing alcoholic beverages.For the "bodily injury" or "property damage" purposes of this exclusion, permitting a person resulting from the use of reasonable force to to bring alcoholic beverages on your premises, protect persons or property. for consumption on your premises, whether or not a fee is charged or a license is required for b. Contractual Liability such activity, is not by itself considered the "Bodily injury" or "property damage" for business of selling,serving or furnishing alcoholic which the insured is obligated to pay beverages. damages by reason of the assumption of d. Workers'Compensation And Similar Laws liability in a contract or agreement. This exclusion does not apply to liability for Any obligation of the insured under a workers' damages: compensation, disability benefits or unemployment compensation law or any similar (1) That the insured would have in the law. absence of the contract or agreement; or e. Employer's Liability (2)Assumed in a contract or agreement "Bodily injury"to: that is an "insured contract", provided (1) An "employee" of the insured arising out of that the "bodily injury" or "property and in the course of: damage" occurs subsequent to the execution of the contract or agreement. (a) Employment by the insured;or Solely for the purposes of liability (b)Performing duties related to the assumed in an "insured contract", conduct of the insured's business;or reasonable attorneys' fees and necessary litigation expenses incurred (2)The spouse,child,parent,brother or sister of by or for a party other than an insured that "employee" as a consequence of will be deemed to be damages because Paragraph(1)above. of "bodily injury" or "property damage", provided that: This exclusion applies whether the insured may be liable as an employer or in any other capacity (a) Liability to such party for, or for the and to any obligation to share damages with or cost of, that party's defense has also repay someone else who must pay damages been assumed in the same "insured because of the injury. contract";and This exclusion does not apply to liability (b)Such attorneys' fees and litigation assumed by the insured under an "insured expenses are for defense of that contract". party against a civil or alternative CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 2 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY f. Pollution (i) Any insured;or (1) "Bodily injury" or "property damage" arising (ii)Any person or organization for out of the actual, alleged or threatened whom you may be legally discharge, dispersal, seepage, migration, responsible; release or escape of"pollutants": (d)At or from any premises, site or location (a)At or from any premises, site or location on which any insured or any contractors which is or was at any time owned or or subcontractors working directly or occupied by, or rented or loaned to, any indirectly on any insured's behalf are insured. However, this sub-paragraph performing operations if the"pollutants" does not apply to: are brought on or to the premises, site (i) "Bodily injury" if sustained within a or location in connection with such building and caused by smoke, operations by such insured, contractor fumes,vapor or soot produced by or or sub-contractor. However, this originating from equipment that is subparagraph does not apply to: used to heat, cool or dehumidify the (i) "Bodily injury" or"property damage" building, or produced by or arising out of the escape of fuels, originating from equipment that is lubricants or other operating fluids used to heat water for personal use which are needed to perform the by the building's occupants or their normal electrical, hydraulic or guests; mechanical functions necessary for (ii) "Bodily injury" or"property damage" the operation of"mobile equipment" for which you may be held liable, if or its parts, if such fuels, lubricants you are a contractor and the owner or other operating fluids escape or lessee of such premises, site or from a vehicle part designed to hold, location has been added to your store or receive them.This exception policy as an additional insured with does not apply if the "bodily injury" respect to your ongoing operations or "property damage" arises out of performed for that additional the intentional discharge, dispersal insured at that premises, site or or release of the fuels, lubricants or location and such premises, site or other operating fluids, or if such location is not and never was owned fuels, lubricants or other operating or occupied by, or rented or loaned fluids are brought on or to the to, any insured, other than that premises, site or location with the additional insured;or intent that they be discharged, dispersed or released as part of the (iii)"Bodily injury" or"property damage" operations being performed by such arising out of heat, smoke or fumes insured, contractor or from a"hostile fire"; subcontractor; (b)At or from any premises, site or location (ii) "Bodily injury" or"property damage" which is or was at any time used by or for sustained within a building and any insured or others for the handling, caused by the release of gases, storage, disposal, processing or fumes or vapors from materials treatment of waste; brought into that building in connection with operations being (C) If such "pollutants" are or were at any performed by you or on your behalf time transported, handled, stored, by a contractor or subcontractor;or treated, disposed of, or processed as waste by or for: CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 3 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY (iii)"Bodily injury" or"property damage" (2)A watercraft you do not own that is: arising out of heat, smoke or fumes from a"hostile fire";or (a)50 feet long or less;and (e)At or from any premises, site or location (b)Not being used to carry any person or on which any insured or any contractors property for a charge; or subcontractors working directly or (3)Parking an "auto"on, or on the ways next to, indirectly on any insured's behalf are or premises you own or rent, provided the were at any time performing operations "auto" is not owned by or rented or loaned to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or to you or the insured; in any way respond to, or assess the (4)Liability assumed under any "insured effects of,"pollutants". contract"for the ownership, maintenance or (2)Any loss,cost or expense arising out of any: use of aircraft or watercraft; (a) Request, demand, order or statutory or (5)"Bodily injury" or "property damage" arising regulatory requirement that any insured out of: or others test for, monitor, clean up, (a)The operation of machinery or remove, contain, treat, detoxify or equipment that is attached to,or part of, neutralize, or in any way respond to, or a land vehicle that would qualify as assess the effects of,"pollutants";or "mobile equipment" under the definition (b)Claim or suit by or on behalf of any of "mobile equipment" if such land governmental authority or any other vehicle were not subject to a compulsory person or organization because of or financial responsibility law, or other testing for, monitoring, cleaning up, motor vehicle insurance law, where it is removing, containing, treating, licensed or principally garaged;or detoxifying or neutralizing, or in any way (b)The operation of any of the machinery or responding to, or assessing the effects equipment listed in Paragraph f.(2) or of,"pollutants". f.(3) of the definition of "mobile g. Aircraft,Auto Or Watercraft equipment";or "Bodily injury" or "property damage" arising out (6)An aircraft that is: of the ownership, maintenance, use or (a)Chartered with a pilot to any insured; entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or (b)Not owned by any insured;and loaned to any insured. Use includes operation (c) Not being used to carry any person or and"loading or unloading". property for a charge. This exclusion applies even if the claims against h. Mobile Equipment any insured allege negligence or other wrongdoing in the supervision, hiring, "Bodily injury" or "property damage" arising out employment,training or monitoring of others by of: that insured, if the "occurrence" which caused (1) The transportation of "mobile equipment" the "bodily injury" or "property damage" by an "auto"owned or operated by or rented involved the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or or loaned to any insured;or watercraft that is owned or operated by or (2)The use of"mobile equipment"in, or while in rented or loaned to any insured. practice for, or while being prepared for,any This exclusion does not apply to: pre-arranged racing, speed, demolition, or stunting activity. (1) A watercraft while ashore on premises you own or rent; CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 4 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY i. War Paragraphs (3), (4), (5) and (6) of this "Bodily injury" or "property damage" arising out exclusion do not apply to liability assumed under of: a sidetrack agreement. (1) War,including undeclared or civil war; Paragraph (6) of this exclusion does not apply to "property damage" included in the (2)Warlike action by a military force, including "products-completed operations hazard". action in hindering or defending against an actual or expected attack, by any k. Damage To Your Product government, sovereign or other authority "Property damage" to"your product"arising out using military personnel or other agents;or of it or any part of it. (3)Insurrection, rebellion, revolution, usurped I. Damage To Your Work power, or action taken by governmental authority in hindering or defending against "Property damage"to "your work" arising out of any of these. it or any part of it and included in the "products-completed operations hazard". j. Damage To Property This exclusion does not apply if the damaged "Property damage"to: work or the work out of which the damage arises (1) Property you own, rent, or occupy, including was performed on your behalf by a any costs or expenses incurred by you, or subcontractor. any other person, organization or entity, for m. Damage To Impaired Property Or Property repair, replacement, enhancement, Not Physically Injured restoration or maintenance of such property for any reason,including prevention of injury "Property damage" to "impaired property" or to a person or damage to another's property that has not been physically injured, property; arising out of: ( )2 Premises you sell give away or abandon if (1) A defect, deficiency, inadequacy or g y dangerous condition in "your product" or the"property damage" arises out of any part of those premises; "your work";or (3)Property loaned to you; (2)A delay or failure by you or anyone acting on your behalf to perform a contract or (4)Personal property in the care, custody or agreement in accordance with its terms. control of the insured; This exclusion does not apply to the loss of use (5)That particular part of real property on which of other property arising out of sudden and you or any contractors or subcontractors accidental physical injury to "your product" or working directly or indirectly on your behalf "your work" after it has been put to its intended are performing operations, if the "property use. damage"arises out of those operations;or n. Recall Of Products, Work Or Impaired (6)That particular part of any property that Property must be restored, repaired or replaced Damages claimed for any loss, cost or expense because "your work" was incorrectly incurred by you or others for the loss of use, performed on it. withdrawal, recall, inspection, repair, Paragraphs(1), (3)and (4) of this exclusion do replacement, adjustment, removal or disposal not apply to "premises damage". A separate of: limit of insurance applies to "premises damage" (1) "Your product"; as described in Paragraph 6. of Section III - (2)"Your work";or Limits Of Insurance. Paragraph(2) of this exclusion does not apply if (3)"Impaired property"; the premises are "your work" and were never occupied, rented or held for rental by you. CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 5 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY if such product, work, or property is withdrawn remove, contain, treat, detoxify or or recalled from the market or from use by any neutralize, or in any way respond to, or person or organization because of a known or assess the effects of,asbestos,asbestos suspected defect, deficiency, inadequacy or fibers or products containing asbestos; dangerous condition in it. or o. Personal And Advertising Injury (b)Claim or suit by or on behalf of any "Bodily injury" arising out of "personal and governmental authority or any other advertising injury". person or organization because of testing for, monitoring, cleaning up, p. Electronic Data removing, containing, treating, Damages arising out of the loss of,loss of use of, detoxifying or neutralizing, or in any way damage to, corruption of, inability to access, or responding to, or assessing the effects inability to manipulate"electronic data". of,asbestos,asbestos fibers or products containing asbestos. However, this exclusion does not apply to t. Employment-Related Practices liability for damages because of"bodily injury". "Bodily injury"to: q. Unsolicited Communication (1) A person arising out of any: "Bodily injury" or "property damage" arising out (a) Refusal to employ that person; of any actual or alleged violation of any law that restricts or prohibits the sending, transmitting (b)Termination of that person's or distributing of"unsolicited communication". employment;or r. Access Or Disclosure Of Confidential Or (c) Employment-related practice, policy, Personal Information act or omission, such as coercion, "Bodily injury" or "property damage" arising out demotion, evaluation, reassignment, of any access to or disclosure of any person's or discipline,failure to promote or advance, organization's confidential or personal harassment, humiliation, discrimination, information. libel, slander, violation of the person's right of privacy, malicious prosecution or s. Asbestos false arrest, detention or imprisonment ( ) y 1 "Bodily injury" or "property dama e" applied to or directed at that person, g arising out of the actual or alleged presence or regardless of whether such practice, policy, act or omission occurs, is applied actual, alleged or threatened dispersal of or is committed before, during or after asbestos asbestos fibers or products containing asbestos, provided that the the time of that person's employment; "bodily injury" or "property damage" is or caused or contributed to by the hazardous (2)The spouse,child, parent,brother or sister of properties of asbestos. that person as a consequence of "bodily (2)"Bodily injury" or "property damage" arising injury" to that person at whom any of the out of the actual or alleged presence or employment-related practices described in actual,alleged or threatened dispersal of any Paragraph(a),(b),or(c)above is directed. solid, liquid, gaseous or thermal irritant or This exclusion applies whether the insured may contaminant, including smoke, vapors, soot, be liable as an employer or in any other capacity fumes, acids, alkalis, chemicals and waste, and to any obligation to share damages with or and that are part of any claim or "suit"which repay someone else who must pay damages also alleges any "bodily injury" or "property because of the"bodily injury". damage"described in Paragraph(1)above. Exclusions C.through n. do not apply to "premises (3)Any loss,cost or expense arising out of any: damage". A separate limit of insurance applies to (a) Request, demand, order or statutory or "premises damage" as described in Paragraph 6. regulatory requirement that any insured of Section III - Limits Of Insurance. or others test for, monitor, clean up, CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 6 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY COVERAGE B - PERSONAL AND publication by electronic means, of material, ADVERTISING INJURY LIABILITY if done by or at the direction of the insured 1. Insuring Agreement with knowledge of its falsity. c. Material Published Or Used Prior To a. We will pay those sums that the insured Policy Period becomes legally obligated to pay as damages because of "personal and (1) "Personal and advertising injury" arising advertising injury" to which this insurance out of oral or written publication, applies. We will have the right and duty to including publication by electronic defend the insured against any "suit"seeking means, of material whose first those damages. However, we will have no publication took place before the duty to defend the insured against any"suit" beginning of the policy period;or seeking damages for "personal and advertising injury" to which this insurance (2)"Advertising injury" arising out of does not apply. We may, at our discretion, infringement of copyright, "title" or investigate any offense and settle any claim slogan in your advertisement whose „ first infringement in your or suit that may result. But: "advertisement" was committed before (1) The amount we will pay for damages is the beginning of the policy period. limited as described in Section III - Limits Of Insurance;and d. Criminal Acts (2)Our right and duty to defend end when "Personal and advertising injury" arising out we have used up the applicable limit of of a criminal act committed by or at the insurance in the payment of judgments direction of the insured. or settlements under Coverages A or B e. Contractual Liability or medical expenses under Coverage C. "Personal and advertising injury" for which No other obligation or liability to pay sums the insured has assumed liability in a or perform acts or services is covered unless contract or agreement. This exclusion does explicitly provided for under Supplementary not apply to liability for damages: Payments. (1) That the insured would have in the b. This insurance applies to "personal and absence of the contract or agreement; advertising injury" caused by an offense or arising out of your business but only if the offense was committed in the "coverage (2)Because of"personal injury" assumed by territory"during the policy period. you in a contract or agreement that is an "insured contract", provided that the 2. Exclusions "personal injury" is caused by an offense This insurance does not apply to: committed subsequent to the execution a. Knowing Violation Of Rights Of of the contract or agreement. Solely for Another the purposes of liability assumed by you "Personal and advertising injury" caused by in an "insured contract", reasonable attorneys' fees and necessary litigation or at the direction of the insured with the expenses incurred by or for a party other knowledge that the act would violate the than an insured will be deemed to be rights of another and would inflict "personal dama es because of " ersonal in ur " and advertising injury". g P y ' provided that: This exclusion does not apply to "personal injury"caused by malicious prosecution. b. Material Published With Knowledge Of Falsity "Personal and advertising injury" arising out of oral or written publication, including CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 7 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY (a) Liability to such party for, or for the violation of another's copyright,"title"or cost of, that party's defense has also "slogan"in your"advertisement". been assumed by you in the same j. Insureds In Media And Internet Type insured contract";and Businesses (b)Such attorneys' fees and litigation "Personal and advertising injury" caused by expenses are for defense of that an offense committed by an insured whose party against a civil or alternative business is: dispute resolution proceeding in which damages to which this (1) Advertising, "broadcasting" or insurance applies are alleged. publishing; f. Breach Of Contract (2)Designing or determining content of "Advertising injury"arising out of a breach of websites for others;or contract. (3)An Internet search, access, content or g. Quality Or Performance Of Goods - service provider. Failure To Conform To Statements However, this exclusion does not apply to "Advertising injury" arising out of the failure Paragraphs a.(1), (2) and (3) of the of goods, products or services to conform definition of"personal injury". with any statement of quality or For the purposes of this exclusion: performance made in your"advertisement". (1) Creating and producing correspondence h. Wrong Description Of Prices written in the conduct of your business, "Advertising injury" arising out of the wrong bulletins, financial or annual reports, or description of the price of goods, products newsletters about your goods, products or services stated in your"advertisement". or services will not be considered the business of publishing;and i. Intellectual Property (2)The placing of frames, borders or links, "Personal and advertising injury" arising out or advertising, for you or others of any actual or alleged infringement or anywhere on the Internet will not, by violation of any of the following rights or itself, be considered the business of laws, or any other "personal and advertising advertising, "broadcasting" or injury"alleged in any claim or "suit"that also publishing. alleges any such infringement or violation: k. Electronic Chatrooms Or Bulletin (1) Copyright; Boards (2)Patent; "Personal and advertising injury" arising out (3)Trade dress; of an electronic chatroom or bulletin board the insured hosts or owns,or over which the (4)Trade name; insured exercises control. (5)Trademark; I. Unauthorized Use Of Another's Name (6)Trade secret;or Or Product (7) Other intellectual property rights or "Personal and advertising injury" arising out laws. of the unauthorized use of another's name or product in your e-mail address, domain This exclusion does not apply to: name or metatag,or any other similar tactics (1) "Advertising injury" arising out of any to mislead another's potential customers. actual or alleged infringement or violation of another's copyright,"title"or m. Pollution "slogan"in your"advertisement";or "Personal and advertising injury" arising out of the actual, alleged or threatened (2)Any other "personal and advertising discharge, dispersal, seepage, migration, injury" alleged in any claim or "suit" that release or escape of"pollutants"at any time. also alleges any such infringement or CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 8 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY n. Pollution-Related "personal and advertising injury" is Any loss,cost or expense arising out of any: caused or contributed to by the hazardous properties of asbestos. (1) Request, demand, order or statutory or regulatory requirement that any insured (2)"Personal and advertising injury" arising or others test for, monitor, clean up, out of the actual or alleged presence or remove, contain, treat, detoxify or actual,alleged or threatened dispersal of neutralize, or in any way respond to, or any solid, liquid, gaseous or thermal assess the effects of,"pollutants";or irritant or contaminant, including smoke, vapors, soot, fumes, acids, alkalis, (2)Claim or suit by or on behalf of any chemicals and waste, and that are part governmental authority or any other of any claim or "suit" which also alleges person or organization because of any "personal and advertising injury" testing for, monitoring, cleaning up, described in Paragraph(1)above. removing, containing, treating, detoxifying or neutralizing, or in any way (3)Any loss, cost or expense arising out of responding to, or assessing the effects any: of,"pollutants". (a) Request,demand,order or statutory o. War or regulatory requirement that any insured or others test for, monitor, "Personal and advertising injury" arising out clean up, remove, contain, treat, of: detoxify or neutralize, or in any way (1) War,including undeclared or civil war; respond to, or assess the effects of, asbestos, asbestos fibers or (2)Warlike action by a military force, products containing asbestos;or including action in hindering or defending against an actual or expected (b)Claim or suit by or on behalf of any attack, by any government, sovereign or governmental authority or any other other authority using military personnel person or organization because of or other agents;or testing for, monitoring, cleaning up, removing, containing, treating, (3)Insurrection, rebellion, revolution, detoxifying or neutralizing, or in any usurped power, or action taken by way responding to, or assessing the governmental authority in hindering or effects of, asbestos, asbestos fibers defending against any of these. or products containing asbestos. p. Unsolicited Communication s. Employment-Related Practices "Personal and advertising injury" arising out "Personal injury"to: of any actual or alleged violation of any law (1) A person arising out of any: that restricts or prohibits the sending, transmitting or distributing of "unsolicited (a) Refusal to employ that person; communication". (b)Termination of that person's cl. Access Or Disclosure Of Confidential employment;or Or Personal Information (c) Employment-related practice, "Personal and advertising injury" arising out policy, act or omission, such as of any access to or disclosure of any person's coercion, demotion, evaluation, or organization's confidential or personal reassignment, discipline, failure to information. promote or advance, harassment, r. Asbestos humiliation, discrimination, libel, slander, violation of the person's (1) "Personal and advertising injury" arising right of privacy, malicious out of the actual or alleged presence or prosecution or false arrest, actual,alleged or threatened dispersal of detention or imprisonment applied asbestos, asbestos fibers or products to or directed at that person, containing asbestos, provided that the regardless of whether such practice, CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 9 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY policy, act or omission occurs, is 2. Exclusions applied or is committed before, We will not pay expenses for"bodily injury": during or after the time of that person's employment;or a. Any Insured (2)The spouse, child, parent, brother or To any insured,except"volunteer workers". sister of that person as a consequence of "personal injury"to that person at whom b. Hired Person any of the employment-related To a person hired to do work for or on behalf practices described in Paragraph (a), of any insured or a tenant of any insured. (b),or(c)above is directed. c. Injury On Normally Occupied Premises This exclusion applies whether the insured To a person injured on that part of premises may be liable as an employer or in any other you own or rent that the person normally capacity and to any obligation to share occupies. damages with or repay someone else who must pay damages because of the "personal d. Workers' Compensation And Similar injury". Laws COVERAGE C- MEDICAL PAYMENTS To a person, whether or not an "employee" of any insured, if benefits for the "bodily 1. Insuring Agreement injury" are payable or must be provided a. We will pay medical expenses as described under a workers' compensation or disability below for "bodily injury" caused by an benefits law or a similar law. accident: e. Athletics Activities (1) On premises you own or rent; To a person injured while practicing, (2)On ways next to premises you own or instructing or participating in any physical rent;or exercises or games, sports, or athletic contests. (3)Because of your operations; provided that: f. Products-Completed Operations Hazard (a)The accident takes place in the"coverage territory"and during the policy period; Included within the "products-completed operations hazard". (b)The expenses are incurred and reported to us within one year of the date of the g• Coverage A Exclusions accident;and Excluded under Coverage A. (c) The injured person submits to SUPPLEMENTARY PAYMENTS examination, at our expense, by physicians of our choice as often as we 1. We will pay, with respect to any claim we reasonably require. investigate or settle, or any "suit" against an insured we defend: b. We will make these payments regardless of a. All expenses we incur. fault. These payments will not exceed the applicable limit of insurance. We will pay b. Up to $2,500 for the cost of bail bonds reasonable expenses for: required because of accidents or traffic law (1) First aid administered at the time of an violations arising out of the use of any accident; vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish (2)Necessary medical, surgical, X-ray and these bonds. dental services, including prosthetic devices;and C. The cost of bonds to release attachments, but only for bond amounts within the (3)Necessary ambulance, hospital, applicable limit of insurance.We do not have professional nursing and funeral to furnish these bonds. services. CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 10 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY d. All reasonable expenses incurred by the (1) Agrees in writing to: insured at our request to assist us in the (a)Cooperate with us in the investigation or defense of the claim or investigation, settlement or defense "suit", including actual loss of earnings up to $500 a day because of time off from work. of the"suit"; e. All court costs taxed against the insured in (b)Immediately send us copies of any the "suit". However, these payments do not demands, notices, summonses or include attorneys' fees or attorneys' legal papers received in connection expenses taxed against the insured. with the"suit"; f. Prejudgment interest awarded against the (C) Notify any other insurer whose insured on that part of the judgment we pay. coverage is available to the If we make an offer to pay the applicable indemnitee;and limit of insurance, we will not pay any (d)Cooperate with us with respect to prejudgment interest based on that period coordinating other applicable of time after the offer. insurance available to the g. All interest on the full amount of any indemnitee;and judgment that accrues after entry of the (2)Provides us with written authorization judgment and before we have paid, offered to: to pay, or deposited in court the part of the judgment that is within the applicable limit (a)Obtain records and other of insurance. information related to the "suit"; and These payments will not reduce the limits of insurance. (b)Conduct and control the defense of the indemnitee in such"suit". 2. If we defend an insured against a "suit" and an indemnitee of the insured is also named as a So long as the above conditions are met, party to the "suit", we will defend that attorneys' fees incurred by us in the defense of indemnitee if all of the following conditions are that indemnitee, necessary litigation expenses met: incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be a. The "suit" against the indemnitee seeks paid as Supplementary Payments. damages for which the insured has assumed Notwithstanding the provisions of Paragraph the liability of the indemnitee in a contract 2.b.(2)of Section I -Coverages -Coverage A- or agreement that is an "insured contract"; Bodily Injury And Property Damage Liability or b. This insurance applies to such liability Paragraph 2.e. of Section I - Coverages - assumed by the insured; Coverage B - Personal And Advertising Injury Liability, such payments will not be deemed to C. The obligation to defend, or the cost of the be damages for "bodily injury", "property defense of, that indemnitee, has also been damage"or"personal injury",and will not reduce assumed by the insured in the same"insured the limits of insurance. contract"; Our obligation to defend an insured's d. The allegations in the "suit" and the indemnitee and to pay for attorneys' fees and information we know about the"occurrence" necessary litigation expenses as Supplementary or offense are such that no conflict appears Payments ends when: to exist between the interests of the insured a. We have used up the applicable limit of and the interests of the indemnitee; insurance in the payment of judgments, e. The indemnitee and the insured ask us to settlements or medical expenses;or conduct and control the defense of that b. The conditions set forth above or the terms indemnitee against such "suit" and agree of the agreement described in Paragraph f. that we can assign the same counsel to above,are no longer met. defend the insured and the indemnitee;and f. The indemnitee: CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 11 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY SECTION II -WHO IS AN INSURED workers" while performing duties 1. If you are designated in the Declarations as: related to the conduct of your business; a. An individual, you and your spouse are (b)To the spouse, child, parent, brother insureds, but only with respect to the or sister of that co-"employee" or conduct of a business of which you are the "volunteer worker"as a consequence sole owner. of Paragraph(1)(a)above; b. A partnership or joint venture, you are an (C) For which there is any obligation to insured. Your members, your partners, and share damages with or repay their spouses are also insureds,but only with someone else who must pay respect to the conduct of your business. damages because of the injury C. A limited liability company, you are an described in Paragraph (1)(a)or(b) insured. Your members are also insureds, above;or but only with respect to the conduct of your (d)Arising out of his or her providing or business. Your managers are insureds, but failing to provide professional health only with respect to their duties as your care services. managers. Unless you are in the business or d. An organization other than a partnership, occupation of providing professional joint venture or limited liability company, health care services, Paragraphs (1)(a), you are an insured. Your "executive officers" (b), (C) and (d) above do not apply to and directors are insureds, but only with "bodily injury" arising out of providing or respect to their duties as your officers or failing to provide first aid or "Good directors. Your stock-holders are also Samaritan services" by any of your insureds, but only with respect to their "employees" or "volunteer workers", liability as stockholders. other than an employed or volunteer e. A trust,you are an insured.Your trustees are doctor. Any such "employees" or also insureds but only with respect to their "volunteer workers" providing or failing duties as trustees. to provide first aid or "Good Samaritan services"during their work hours for you 2. Each of the following is also an insured: will be deemed to be acting within the a. Your "volunteer workers" only while scope of their employment by you or performing duties related to the conduct of performing duties related to the conduct your business, or your "employees", other of your business. than either your "executive officers" (if you (2)"Property damage"to property: are an organization other than a partnership, joint venture or limited liability company) or (a)Owned,occupied or used by; your managers (if you are a limited liability (b)Rented to, in the care, custody or company), but only for acts within the scope control of, or over which physical of their employment by you or while control is being exercised for any performing duties related to the conduct of purpose by; your business. However, none of these of our"employees","volunteer "employees" or "volunteer workers" are you any y insureds for: workers", any partner or member (if you are a partnership or joint venture), or (1) "Bodily injury"or"personal injury": any member(if you are a limited liability (a)To you,to your partners or members company). (if you are a partnership or joint b. Any person (other than your "employee" or venture), to your members (if you "volunteer worker"), or any organization, are a limited liability company), to a while acting as your real estate manager. co-"employee"while in the course of his or her employment or performing C. Any person or organization having proper duties related to the conduct of your temporary custody of your property if you business,or to your other"volunteer die,but only: CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 12 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY (1) With respect to liability arising out of the include as an additional insured on this Coverage maintenance or use of that property; Part is an insured, but only with respect to and liability for"bodily injury", "property damage" or "personal and advertising injury"that: (2)Until your legal representative has been appointed. a. Is "bodily injury" or "property damage" that occurs,or is"personal and advertising injury" d. Your legal representative if you die, but only caused by an offense that is committed, with respect to duties as such. That subsequent to the signing of that contract or representative will have all your rights and agreement;and duties under this Coverage Part. b. Arises out of the ownership,maintenance or e. Any person or organization that, with your use of that part of any premises leased to express or implied consent, either uses or is you. responsible for the use of a watercraft that you do not own that is: The insurance provided to such premises owner, manager or lessor is subject to the following (1) 50 feet long or less;and provisions: (2)Not being used to carry any person or a. The limits of insurance provided to such property for a charge. premises owner, manager or lessor will be 3. Any organization you newly acquire or form, the minimum limits that you agreed to other than a partnership,joint venture or limited provide in the written contract or liability company, and of which you are the sole agreement, or the limits shown in the owner or in which you maintain an ownership Declarations,whichever are less. interest of more than 50%, will qualify as a b. The insurance provided to such premises Named Insured if there is no other similar owner,manager or lessor does not apply to: insurance available to that organization. However: (1) Any"bodily injury" or"property damage" that occurs, or"personal and advertising a. Coverage under this provision is afforded injury" caused by an offense that is only until the 180th day after you acquire or committed, after you cease to be a form the organization or the end of the tenant in that premises;or policy period,whichever is earlier; (2)Structural alterations, new construction b. Coverage A does not apply to "bodily injury" or demolition operations performed by or "property damage" that occurred before or on behalf of such premises owner, you acquired or formed the organization; manager or lessor. and C. Coverage B does not apply to "personal and 5. Any person or organization that is an equipment advertising injury" arising out of an offense lessor and that you have agreed in a written committed before you acquired or formed contract or agreement to include as an the organization. additional insured on this Coverage Part is an insured, but only with respect to liability for For the purposes of Paragraph 1. of Section II - "bodily injury", "property damage", or "personal Who Is An Insured, each such organization will and advertising injury"that: be deemed to be designated in the Declarations a. Is "bodily injury" or "property damage" that as: occurs,or is"personal and advertising injury" a. An organization, other than a partnership, caused by an offense that is committed, joint venture or limited liability company;or subsequent to the signing of that contract or b. A trust; agreement;and as indicated in its name or the documents that b. Is caused, in whole or in part,by your acts or govern its structure. omissions in the maintenance, operation or use of equipment leased to you by such 4. Any person or organization that is a premises equipment lessor. owner, manager or lessor and that you have The insurance provided to such equipment agreed in a written contract or agreement to lessor is subject to the following provisions: CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 13 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY a. The limits of insurance provided to such 5. Subject to Paragraph 2. or 3. above, whichever equipment less or will be the minimum limits applies, the Each Occurrence Limit is the most that you agreed to provide in the written we will pay for the sum of: contract or agreement, or the limits shown in the Declarations,whichever are less. a. Damages under Coverage A;and b. The insurance provided to such equipment b. Medical expenses under Coverage C; lessor does not apply to any "bodily injury" because of all "bodily injury" and "property or "property damage" that occurs, or damage"arising out of any one"occurrence". personal and advertising injury caused by an offense that is committed, after the For the purposes of determining the applicable equipment lease expires. Each Occurrence Limit, all related acts or omissions committed in providing or failing to No person or organization is an insured with respect provide first aid or"Good Samaritan services"to to the conduct of any current or past partnership, any one person will be deemed to be one joint venture or limited liability company that is not "occurrence". shown as a Named Insured in the Declarations. This paragraph does not apply to any such partnership, 6. Subject to Paragraph 5. above, the Damage To joint venture or limited liability company that Premises Rented To You Limit is the most we will otherwise qualifies as an insured under Section II - pay under Coverage A for damages because of Who Is An Insured. "premises damage" to any one premises. The Damage To Premises Rented To You Limit will SECTION III - LIMITS OF INSURANCE be: 1. The Limits of Insurance shown in the a. The amount shown for the Damage To Declarations and the rules below fix the most we Premises Rented To You Limit in the will pay regardless of the number of: Declarations of this Coverage Part;or a. Insureds; b. $300,000 if no amount is shown for the b. Claims made or"suits"brought;or Damage To Premises Rented To You Limit in the Declarations of this Coverage Part. C. Persons or organizations making claims or 7. Subject to Paragraph 5. above, the Medical bringing"suits". Expense Limit is the most we will pay under 2. The General Aggregate Limit is the most we will Coverage C for all medical expenses because of pay for the sum of: "bodily injury"sustained by any one person. a. Medical expenses under Coverage C; The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to b. Damages under Coverage A, except any remaining period of less than 12 months,starting damages because of "bodily injury" or with the beginning of the policy period shown in the "property damage" included in the Declarations, unless the policy period is extended "products-completed operations hazard"; after issuance for an additional period of less than 12 and months. In that case, the additional period will be C. Damages under Coverage B. deemed part of the last preceding period for purposes of determining the Limits of Insurance. 3. The Products-Completed Operations Aggregate SECTION IV - COMMERCIAL GENERAL Limit is the most we will pay under Coverage A LIABILITY CONDITIONS for damages because of bodily injury and "property damage" included in the 1. Bankruptcy "products-completed operations hazard". Bankruptcy or insolvency of the insured or of the 4. Subject to Paragraph 2. above,the Personal And insured's estate will not relieve us of our Advertising Injury Limit is the most we will pay obligations under this Coverage Part. under Coverage B for the sum of all damages 2. Duties In The Event Of Occurrence because of all "personal injury" and "advertising ' Offense,Claim Or Suit injury" sustained by any one person or organization. CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 14 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY a. You must see to it that we are notified as practicable only after the "occurrence" soon as practicable of an "occurrence" or an or offense is known to you (if you are an offense which may result in a claim. To the individual), any of your partners or extent possible,notice should include: members who is an individual (if you are (1) How, when and where the "occurrence" a partnership or joint venture), any of your managers who is an individual (if or offense took place; you are a limited liability company), any (2)The names and addresses of any injured of your "executive officers" or directors persons and witnesses;and (if you are an organization other than a partnership, joint venture, or limited (3)The nature and location of any injury or liability company), any of your trustees damage arising out of the "occurrence" who is an individual(if you are a trust) or or offense. any "employee" authorized by you to b. If a claim is made or "suit"is brought against give notice of an"occurrence"or offense. any insured,you must: (2)If you are a partnership, joint venture, (1) Immediately record the specifics of the limited liability company or trust, and claim or"suit"and the date received;and none of your partners, joint venture members, managers or trustees are (2)Notify us as soon as practicable. individuals, notice to us of such "occurrence"or offense must be given as You must see to it that we receive written soon as practicable only after the notice of the claim or "suit" as soon as "occurrence"or offense is known by: practicable. (a)Any individual who is: C. You and any other involved insured must: (i) A partner or member of any (1) Immediately send us copies of any partnership orjoint venture; demands, notices, summonses or legal papers received in connection with the (ii)A manager of any limited liability claim or"suit"; company; (2)Authorize us to obtain records and other (M)An executive officer or director information; of any other organization;or (3)Cooperate with us in the investigation or (iv)A trustee of any trust; settlement of the claim or defense that is your partner, joint venture against the"suit";and member,manager or trustee;or (4)Assist us, upon our request, in the (b)Any employee authorized by such enforcement of any right against any partnership, joint venture, limited person or organization which may be liability company, trust or other liable to the insured because of injury or organization to give notice of an damage to which this insurance may also "occurrence"or offense. apply. (3)Notice to us of such "occurrence" or d. No insured will, except at that insured's own offense will be deemed to be given as cost, voluntarily make a payment, assume soon as practicable if it is given in good any obligation, or incur any expense, other faith as soon as practicable to your than for first aid,without our consent. workers' compensation insurer. This applies only if you subsequently give e. The following provisions apply to Paragraph notice to us of the "occurrence" or a. above, but only for purposes of the offense as soon as practicable after any insurance provided under this Coverage Part of the persons described in Paragraph to you or any insured listed in Paragraph 1. e.(1) or (2) above discovers that the or 2.of Section II -Who Is An Insured: "occurrence" or offense may result in (1) Notice to us of such "occurrence" or sums to which the insurance provided offense must be given as soon as under this Coverage Part may apply. CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 15 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY However, if this policy includes an (iii)Any risk retention group;or endorsement that provides limited coverage for "bodily injury" or "property damage" or (iv)Any self-insurance method or program, in pollution costs arising out of a discharge, which case the insured will be deemed to be release or escape of "pollutants" which the provider of other insurance. contains a requirement that the discharge, Other insurance does not include umbrella release or escape of "pollutants" must be insurance, or excess insurance, that was bought reported to us within a specific number of specifically to apply in excess of the Limits of days after its abrupt commencement, this Insurance shown in the Declarations of this Paragraph e. does not affect that Coverage Part. requirement. As used anywhere in this Coverage Part, other 3. Legal Action Against Us insurer means a provider of other insurance. As No person or organization has a right under this used in Paragraph c. below, insurer means a Coverage Part: provider of insurance. a. To join us as a party or otherwise bring us a. Primary Insurance into a "suit" asking for damages from an This insurance is primary except when insured;or Paragraph b. below applies. If this insurance b. To sue us on this Coverage Part unless all of is primary, our obligations are not affected its terms have been fully complied with. unless any of the other insurance is also A person or organization may sue us to recover primary. Then, we will share with all that on an agreed settlement or on a final judgment other insurance by the method described in against an insured; but we will not be liable for Paragraph C. below, except when Paragraph damages that are not payable under the terms d.below applies. of this Coverage Part or that are in excess of the b. Excess Insurance applicable limit of insurance. An agreed settlement means a settlement and release of (1) This insurance is excess over: liability signed by us, the insured, and the (a)Any of the other insurance, whether claimant or the claimant's legal representative. primary, excess, contingent or on 4. Other Insurance any other basis: If valid and collectible other insurance is (i) That is Fire, Extended Coverage, available to the insured for a loss we cover under Builder's Risk, Installation Risk Coverages A or B of this Coverage Part, our or similar coverage for "your obligations are limited as described in work"; Paragraphs a.and b.below. (ii)That is insurance for "premises As used anywhere in this Coverage Part, other damage"; insurance means insurance, or the funding of (iii)If the loss arises out of the losses,that is provided by, through or on behalf maintenance or use of aircraft, of: "autos" or watercraft to the (i) Another insurance company; extent not subject to any exclusion in this Coverage Part (ii) Us or any of our affiliated insurance that applies to aircraft, "autos" companies,except when the Non cumulation or watercraft; of Each Occurrence Limit provision of Paragraph 5. of Section III - Limits Of (iv)That is insurance available to a Insurance or the Non cumulation of Personal premises owner, manager or and Advertising Injury Limit provision of lessor that qualifies as an insured under Paragraph 4. of Paragraph 4. of Section III - Limits of Insurance applies because the Amendment- Section II - Who Is An Insured, Non Cumulation Of Each Occurrence Limit except when Paragraph d. below Of Liability And Non Cumulation Of Personal applies;or And Advertising Injury Limit endorsement is included in this policy; CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 16 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY (v)That is insurance available to an contribute by limits. Under this method, equipment lessor that qualifies each insurer's share is based on the ratio of as an insured under Paragraph 5. its applicable limit of insurance to the total of Section II - Who Is An applicable limits of insurance of all insurers. Insured, except when Paragraph d. Primary And Non-Contributory d.below applies. Insurance If Required By Written (b)Any of the other insurance, whether Contract primary, excess, contingent or on If you specifically agree in a written contract any other basis, that is available to or agreement that the insurance afforded to the insured when the insured is an an insured under this Coverage Part must additional insured, or is any other apply on a primary basis, or a primary and insured that does not qualify as a non-contributory basis, this insurance is named insured, under such other primary to other insurance that is available insurance. to such insured which covers such insured as (2)When this insurance is excess, we will a named insured, and we will not share with have no duty under Coverages A or B to that other insurance,provided that: defend the insured against any "suit" if (1) The"bodily injury"or "property damage" any other insurer has a duty to defend for which coverage is sought occurs;and the insured against that "suit". If no other insurer defends, we will undertake (2)The "personal and advertising injury" for to do so, but we will be entitled to the which coverage is sought is caused by an insured's rights against all those other offense that is committed; insurers. subsequent to the signing of that contract or (3)When this insurance is excess over other agreement by you. insurance, we will pay only our share of 5. Premium Audit the amount of the loss, if any, that exceeds the sum of: a. We will compute all premiums for this (a)The total amount that all such other Coverage Part in accordance with our rules insurance would pay for the loss in and rates. the absence of this insurance;and b. Premium shown in this Coverage Part as (b)The total of all deductible and advance premium is a deposit premium only. At the close of each audit period we will self-insured amounts under all that compute the earned premium for that other insurance. period and send notice to the first Named (4)We will share the remaining loss, if any, Insured. The due date for audit and with any other insurance that is not retrospective premiums is the date shown as described in this Excess Insurance the due date on the bill. If the sum of the provision and was not bought advance and audit premiums paid for the specifically to apply in excess of the policy period is greater than the earned Limits of Insurance shown in the premium, we will return the excess to the Declarations of this Coverage Part. first Named Insured. c. Method Of Sharing C. The first Named Insured must keep records of the information we need for premium If all of the other insurance permits computation, and send us copies at such contribution by equal shares, we will follow times as we may request. this method also. Under this approach each insurer contributes equal amounts until it 6. Representations has paid its applicable limit of insurance or By accepting this policy,you agree: none of the loss remains, whichever comes first. a. The statements in the Declarations are If any of the other insurance does not permit accurate and complete; contribution by equal shares, we will CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 17 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY b. Those statements are based upon b. Regarding websites, only that part of a representations you made to us;and website that is about your goods, products or services for the purposes of attracting C. We have issued this policy in reliance upon customers or supporters is considered an your representations. advertisement. The unintentional omission of, or unintentional 2. "Advertising injury": error in, any information provided by you which we relied upon in issuing this policy will not a. Means injury caused by one or more of the prejudice your rights under this insurance. following offenses: However,this provision does not affect our right (1) Oral or written publication, including to collect additional premium or to exercise our publication by electronic means, of rights of cancellation or nonrenewal in material in your "advertisement" that accordance with applicable insurance laws or slanders or libels a person or regulations. organization or disparages a person's or 7. Separation Of Insureds organization's goods, products or services,provided that the claim is made Except with respect to the Limits of Insurance, or the "suit" is brought by a person or and any rights or duties specifically assigned in organization that claims to have been this Coverage Part to the first Named Insured, slandered or libeled, or that claims to this insurance applies: have had its goods, products or services a. As if each Named Insured were the only disparaged; Named Insured;and (2)Oral or written publication, including b. Separately to each insured against whom publication by electronic means, of claim is made or"suit"is brought. material in your"advertisement"that: (a)Appropriates a person's name,voice, 8. Transfer Of Rights Of Recovery Against photograph or likeness;or Others To Us If the insured has rights to recover all or part of (b)Unreasonably places a person in afalse light;or any payment we have made under this Coverage Part, those rights are transferred to us. The (3)Infringement of copyright, "title" or insured must do nothing after loss to impair "slogan" in your "advertisement", them.At our request,the insured will bring"suit" provided that the claim is made or the or transfer those rights to us and help us enforce "suit" is brought by a person or them. organization that claims ownership of 9. When We Do Not Renew such copyright,"title"or"slogan". b. Includes "bodily injury" caused by one or If we decide not to renew this Coverage Part,we more of the offenses described in Paragraph will mail or deliver to the first Named Insured a.above. shown in the Declarations written notice of the nonrenewal not less than 30 days before the 3. "Auto"means: expiration date. a. A land motor vehicle, trailer or semitrailer If notice is mailed, proof of mailing will be designed for travel on public roads, including sufficient proof of notice. any attached machinery or equipment;or SECTION V- DEFINITIONS b. Any other land vehicle that is subject to a compulsory or financial responsibility law,or 1. "Advertisement" means a notice that is other motor vehicle insurance law, where it broadcast or published to the general public or is licensed or principally garaged. specific market segments about your goods, products or services for the purpose of However, "auto" does not include "mobile attracting customers or supporters. For the equipment". purposes of this definition: 4. "Bodily injury"means: a. Notices that are published include material a. Physical harm, including sickness or disease, placed on the Internet or on similar sustained by a person;or electronic means of communication;and CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 18 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY b. Mental anguish, injury or illness, or hard or floppy disks, CD-ROMs, tapes, drives, emotional distress, resulting at any time cells,data processing devices or any other media from such physical harm,sickness or disease. which are used with electronically controlled 5. "Broadcasting" means transmitting any audio or equipment. visual material for any purpose: 8. "Employee" includes a "leased worker". "Employee" does not include a "temporary a. By radio or television;or worker". b. In, by or with any other electronic means of 9. "Executive officer" means a person holding any communication, such as the Internet, if that of the officer positions created by your charter, material is part of: constitution, bylaws or any other similar (1) Radio or television programming being governing document. transmitted; 10."Good Samaritan services" means any (2)Other entertainment, educational, emergency medical services for which no instructional, music or news compensation is demanded or received. programming being transmitted•'or 11. "Hostile fire" means a fire which becomes (3)Advertising transmitted with any of such uncontrollable or breaks out from where it was programming. intended to be. 6."Coverage territory"means: 12. "Impaired property" means tangible property, other than "your product" or "your work", that a. The United States of America (including its cannot be used or is less useful because: territories and possessions), Puerto Rico and Canada; a. It incorporates "your product" or "your work" that is known or thought to be b. International waters or airspace, but only if defective, deficient, inadequate or the injury or damage occurs in the course of dangerous;or travel or transportation between any places included in Paragraph a.above;or b. You have failed to fulfill the terms of a contract or agreement; C. All other parts of the world if the injury or damage arises out of: if such property can be restored to use by the repair, replacement, adjustment or removal of (1) Goods or products made or sold by you "your product" or "your work" or your fulfilling in the territory described in Paragraph a. the terms of the contract or agreement. above; 13."Insured contract"means: (2)The activities of a person whose home is in the territory described in Paragraph a. a. A contract for a lease of premises. However, above, but is away for a short time on that portion of the contract for a lease of your business or premises that indemnifies any person or organization for"premises damage"is not an (3)"Personal and advertising injury" "insured contract"; offenses that take place through the b. A sidetrack agreement; Internet or similar electronic means of communication; C. Any easement or license agreement, except provided the insured's responsibility to pay in connection with construction or damages is determined in a "suit" on the merits demolition operations on or within 50 feet in the territory described in Paragraph a. above, of a railroad; or in a settlement we agree to. d. An obligation, as required by ordinance, to 7. "Electronic data" means information, facts or indemnify a municipality, except in programs stored as or on,created or used on,or connection with work for a municipality; transmitted to or from computer software e. An elevator maintenance agreement; (including systems and applications software), CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 19 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY f. That part of any other contract or agreement C. While it is being moved from an aircraft, pertaining to your business (including an watercraft or "auto" to the place where it is indemnification of a municipality in finally delivered; connection with work performed for a but "loading or unloading" does not include the municipality) under which you assume the movement of property by means of a mechanical tort liability of another party to pay for device other than a hand truck that is not "bodily injury", "property damage" or attached to the aircraft,watercraft or"auto". "personal injury" to a third person or organization. Tort liability means a liability 16. "Mobile equipment" means any of the following that would be imposed by law in the absence types of land vehicles, including any attached of any contract or agreement. machinery or equipment: Paragraph f. does not include that part of any a. Bulldozers, farm machinery, forklifts and contract or agreement: other vehicles designed for use principally (1) That indemnifies a railroad for"bodily injury" off public roads; or "property damage" arising out of b. Vehicles maintained for use solely on or next construction or demolition operations, to premises you own or rent; within 50 feet of any railroad property and affecting any railroad bridge or trestle, C. Vehicles that travel on crawler treads; tracks, roadbeds, tunnel, underpass or d. Vehicles, whether self-propelled or not, crossing; maintained primarily to provide mobility to (2)That indemnifies an architect, engineer or permanently mounted: surveyor for injury or damage arising out of: (1) Power cranes, shovels, loaders, diggers (a) Preparing, approving, or failing to or drills;or prepare or approve, maps, shop (2)Road construction or resurfacing drawings, opinions, reports, surveys, equipment such as graders, scrapers or field orders, change orders or drawings rollers; and specifications;or (b)Giving directions or instructions, or e. Vehicles not described in Paragraph a., b.,C. failing to give them, if that is the primary or d. above that are not self-propelled and cause of the injury or damage;or are maintained primarily to provide mobility to permanently attached equipment of the (3)Under which the insured, if an architect, following types: engineer or surveyor,assumes liability for an (1) Air compressors, pumps and generators, injury or damage arising out of the insured's including spraying, welding, building rendering or failure to render professional cleaning, geo-physical exploration, services, including those listed in Paragraph lighting and well servicing equipment;or (2) above and supervisory, inspection, architectural or engineering activities. (2)Cherry pickers and similar devices used 14. "Leased worker" means a person leased to you to raise or lower workers; by a labor leasing firm under an agreement f. Vehicles not described in Paragraph a., b.,C. between you and the labor leasing firm, to or d. above maintained primarily for perform duties related to the conduct of your purposes other than the transportation of business. "Leased worker" does not include a persons or cargo. "temporary worker". However, self-propelled vehicles with the 15. "Loading or unloading" means the handling of following types of permanently attached property: equipment are not "mobile equipment" but will be considered"autos": a. After it is moved from the place where it is accepted for movement into or onto an (1) Equipment designed primarily for: aircraft,watercraft or"auto"; (a)Snow removal; b. While it is in or on an aircraft, watercraft or "auto";or CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 20 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY (b)Road maintenance, but not or organization's goods, products or construction or resurfacing;or services,provided that the claim is made or the "suit" is brought by a person or (C) Street cleaning; organization that claims to have been (2)Cherry pickers and similar devices slandered or libeled, or that claims to mounted on automobile or truck chassis have had its goods, products or services and used to raise or lower workers;and disparaged;or (3)Air compressors, pumps and generators, (5)Oral or written publication, including including spraying, welding, building publication by electronic means, of cleaning, geo-physical exploration, material that: lighting and well servicing equipment. (a)Appropriates a person's name,voice, However, "mobile equipment" does not include photograph or likeness;or any land vehicle that is subject to a compulsory (b)Unreasonably places a person in a or financial responsibility law, or other motor false light. vehicle insurance law, where it is licensed or principally garaged. Such land vehicles are b. Includes "bodily injury" caused by one or considered"autos". more of the offenses described in Paragraph a.above. 17. "Occurrence"means: 20."Pollutants" mean any solid, liquid, gaseous or a. An accident, including continuous or thermal irritant or contaminant, including repeated exposure to substantially the same smoke, vapor, soot, fumes, acids, alkalis, general harmful conditions;or chemicals and waste. Waste includes materials b. An act or omission committed in providing to be recycled, reconditioned or reclaimed. or failing to provide first aid or "Good 21. "Premises damage"means: Samaritan services to a person, unless you are in the business or occupation of a. With respect to the first paragraph of the providing professional health care services. exceptions in Exclusion j. of Section I - Coverage A - Bodily Injury And Property 18. "Personal and advertising injury" means Damage Liability, "property damage" to any of injury"or"advertising injury". premises while rented to you for a period of 19. "Personal injury": seven or fewer consecutive days, including the contents of such premises;or a. Means injury, other than "advertising injury", caused by one or more of the following b. With respect to the exception to Exclusions offenses: c. through n. in the last paragraph of (1) False arrest,detention or imprisonment; Paragraph 2. of Section I - Coverage A - Bodily Injury And Property Damage Liability, (2)Malicious prosecution; "property damage" to any premises while rented to you for a period of more than (3)The wrongful eviction from, wrongful seven consecutive days, or while temporarily entry into, or invasion of the right of occupied by you with permission of the private occupancy of a room,dwelling or owner,caused by: premises that a person occupies, (1) Fire; provided that the wrongful eviction, wrongful entry or invasion of the right of (2)Explosion; private occupancy is committed by or on behalf of the owner, landlord or lessor of (3)Lightning; that room,dwelling or premises; (4)Smoke resulting from fire, explosion or (4)0ral or written publication, including lightning;or publication by electronic means, of material that slanders or libels a person (5)Water. or organization or disparages a person's CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 21 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY But "premises damage" under this (3)Products or operations for which the Paragraph b. does not include "property classification, listed in the Declarations damage"to any premises caused by: or in a policy Schedule, states that (1) Rupture, bursting, or operation of products-completed operations are pressure relief devices; subject to the General Aggregate Limit. (2)Rupture or bursting due to expansion or 23."Property damage"means: swelling of the contents of any building a. Physical injury to tangible property, or structure caused by or resulting from including all resulting loss of use of that water;or property.All such loss of use will be deemed (3)Explosion of steam boilers, steam pipes, to occur at the time of the physical injury steam engines or steam turbines. that caused it;or b. Loss of use of tangible property that is not 22."Products-completed operations hazard": physically injured. All such loss of use will be a. Includes all "bodily injury" and "property deemed to occur at the time of the damage" occurring away from premises you "occurrence"that caused it. own or rent and arising out of"your product" For the purposes of this insurance, "electronic or"your work"except: data"is not tangible property. (1) Products that are still in your physical 24."Slogan": possession;or (2)Work that has not yet been completed a. Means a phrase that others use for the or abandoned. However, "your work"will purpose of attracting attention in their be deemed completed at the earliest of advertising. the following times: b. Does not include a phrase used as, or in,the (a)When all of the work called for in name of: your contract has been completed. (1) Any person or organization, other than (b)When all of the work to be done at you;or the job site has been completed if (2)Any business, or any of the premises, your contract calls for work at more goods,products,services or work,of any than one job site. person or organization,other than you. (C) When that part of the work done at a 25."Suit"means a civil proceeding in which damages job site has been put to its intended because of "bodily injury", "property damage" or use by any person or organization "personal and advertising injury" to which this other than another contractor or insurance applies are alleged."Suit"includes: subcontractor working on the same a. An arbitration proceeding in which such project. damages are claimed and to which the Work that may need service, insured must submit or does submit with maintenance, correction, repair or our consent;or replacement, but which is otherwise complete,will be treated as completed. b. Any other alternative dispute resolution proceeding in which such damages are b. Does not include"bodily injury"or "property claimed and to which the insured submits damage"arising out of: with our consent. (1) The transportation of property, unless 26."Temporary worker" means a person who is the injury or damage arises out of a furnished to you to substitute for a permanent condition in or on a vehicle not owned or "employee" on leave or to meet seasonal or operated by you,and that condition was created by the "loading or unloading" of short-term workload conditions. that vehicle by any insured; 27. "Title" means a name of a literary or artistic (2)The existence of tools, uninstalled work. equipment or abandoned or unused materials;or CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 22 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY 28."Unsolicited communication" means any (1) Warranties or representations made at communication, in any form, that the recipient any time with respect to the fitness, of such communication did not specifically quality,durability,performance or use of request to receive. "your product";and 29."Volunteer worker" means a person who is not (2)The providing of or failure to provide your "employee", and who donates his or her warnings or instructions. work and acts at the direction of and within the scope of duties determined by you, and is not C. Does not include vending machines or other paid a fee, salary or other compensation by you property rented to or located for the use of or anyone else for their work performed for you. others but not sold. 30."Your product": 31. "Your work": a. Means: a. Means: (1) Any goods or products, other than real (1) Work or operations performed by you or property, manufactured, sold, handled, on your behalf;and distributed or disposed of by: (2)Materials, parts or equipment furnished (a)You; in connection with such work or operations. (b)Others trading under your name;or b. Includes: (C) A person or organization whose business or assets you have (1) Warranties or representations made at acquired;and any time with respect to the fitness, quality,durability,performance or use of (2)Containers (other than vehicles), "your work";and materials, parts or equipment furnished in connection with such goods or (2)The providing of or failure to provide products. warnings or instructions. b. Includes: CG T100 0219 © 2017 The Travelers Indemnity Company.All rights reserved. Page 23 of 23 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY EMPLOYEE BENEFITS LIABILITY COVERAGE FORM THIS FORM PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE FORM 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 VII - Definitions. SECTION I - EMPLOYEE BENEFITS LIABILITY Date,if any, shown in the Declarations of COVERAGE this Coverage Part and before the end of 1. Insuring Agreement the policy period;and (4)A claim or"suit" for damages because of a. We will pay those sums that the insured the loss is first made or brought against becomes legally obligated to pay as any insured, in accordance with damages because of loss to which this Paragraph e. below, during the policy insurance applies. We will have the right and period or any Extended Reporting Period duty to defend the insured against any"suit" we provide under Section VI - Extended seeking those damages. However, we will Reporting Periods. have no duty to defend the insured against any"suit" seeking damages for loss to which C. Each negligent act, error or omission in a this insurance does not apply. We may, at series of related negligent acts, errors or our discretion, investigate any negligent act, omissions will be deemed to have been error or omission and settle any claim or committed on the date the first such "suit"that may result:But: negligent act,error or omission in that series is committed. (1) The amount we will pay for damages is limited as described in Section III - d. If the Retroactive Date is left blank in the Limits Of Insurance;and Declarations of this Coverage Part, the Retroactive Date will be deemed to be the (2)Our right and duty to defend ends when first day of the policy period. we have used up the applicable limit of insurance in the payment of judgments e. A claim or "suit" seeking damages will be in in settlements.ents. deemed to have been first made or brought at the earlier of the following times: No other obligation or liability to pay sums or perform acts or services is covered unless (1) When we or any insured first receives explicitly provided for under Supplementary written notice of such claim or "suit", Payments. whichever comes first;or b. This insurance applies to loss only if: (2)When we first receive written notice from any insured of a specific negligent (1) The loss is caused by a negligent act, act, error or omission that caused the error or omission committed by the loss which resulted in such claim or insured, or by any other person for "suit". whose acts the insured is legally liable,in the "administration" of your "employee All claims or "suits" that seek damages benefit program"; because of loss sustained by any one "employee", including the "employee's" (2) The negligent act, error or omission is dependents and beneficiaries, will be committed in the"coverage territory"; deemed to have been first made or brought (3)The negligent act, error or omission was at the time the first of those claims or"suits" committed on or after the Retroactive is made or brought against any insured. CG T1010116 ©2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 9 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY f. A claim or "suit" that seeks damages will be (3)Advice given to any person with respect deemed to have been first made or brought to that person's decision to participate at the time we receive written notice from or not to participate in any plan included any insured of a specific negligent act, error in the"employee benefit program". or omission only if that notice contains all of f. Workers' Compensation And Similar the following information: Laws (1) How, when and where the negligent act, error or omission was committed; Loss arising out of your failure to comply with the mandatory provisions of any (2)A description of what happened; workers' compensation, unemployment (3)A description of what damages may compensation insurance, social security or result; disability benefits law or any similar law. (4)The identity of the person or g• ERISA organization that may make a claim or Loss for which any insured is liable because bring a"suit";and of liability imposed on a fiduciary by the (5)The identity of each insured that Employee Retirement Income Security Act committed the negligent act, error or of 1974, as amended, or by any similar omission. federal,state or local laws. Notice to us that any insured may in the future h. Available Benefits receive written notice of a negligent act, error Loss of benefits to the extent that such or omission, claim or "suit" is not notice of a benefits are available,with reasonable effort specific negligent act,error or omission. and cooperation of the insured, from the 2. Exclusions applicable funds accrued or other collectible insurance. This insurance does not apply to: i. Taxes, Fines Or Penalties a. Criminal, Dishonest, Fraudulent Or Malicious Acts (1) Any taxes, fines, or penalties, including those imposed under any provision of Loss arising out of any criminal, dishonest, the Internal Revenue Code of 1986, as fraudulent, or malicious act, error or amended, or any similar state or local omission committed by any insured, law;or including the willful or reckless violation of any law or regulation. (2)Any loss, cost or expense arising out of the imposition of such taxes, fines or b. Injury Or Damage penalties. "Bodily injury", "property damage", j. Employment-Related Practices "personal injury"or"advertising injury". Loss to: c. Failure To Perform A Contract (1) A person arising out of any: Loss arising out of failure of performance of (a) Refusal to employ that person; contract by any insurer. d. Insufficiency Of Funds (b)Termination of that person's employment;or Loss arising out of an insufficiency of funds to meet any obligations under any plan (c) Employment-related practice or included in the"employee benefit program". policy, such as coercion, demotion, reassignment, discipline, failure to e. Inadequacy Of Performance Of promote or advance, harassment, Investment Or Advice Given With humiliation, discrimination, libel, Respect To Participation slander, violation of the person's Any claim or"suit"based upon: right of privacy, malicious prosecution or false arrest, (1) Failure of any investment to perform; detention or imprisonment applied (2)Errors in providing information on past to or directed at that person, performance of investment vehicles;or regardless of whether such practice CG T1010116 ©2016 The Travelers Indemnity Company.All rights reserved. Page 2 of 9 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY or policy occurs, is applied or is These payments will not reduce the limits of committed before, during or after insurance. the time of that person's SECTION II -WHO IS AN INSURED employment;or 1. If you are designated in the Declarations as: (2)The spouse, child, parent, brother or sister of that person as a consequence of a. An individual, you and your spouse are loss to that person at whom any of the insureds, but only with respect to the employment-related practices or conduct of a business of which you are the policies described in Paragraphs (a), sole owner. (b),or(C)above is directed. b. A partnership or joint venture, you are an This exclusion applies: insured. Your members, your partners, and their spouses are also insureds,but only with (1) Whether the insured may be liable as an respect to the conduct of your business. employer or in any other capacity;and C. A limited liability company, you are an (2)To any obligation to share damages with insured. Your members are also insureds, or repay someone else who must pay but only with respect to the conduct of your damages because of the loss. business. Your managers are insureds, but k. Access Or Disclosure Of Confidential only with respect to their duties as your Or Personal Information managers. Loss arising out of any access or disclosure d. An organization other than a partnership, of any person's or organization's confidential joint venture or limited liability company, or personal information. you are an insured. Your "executive officers" 3. Supplementary Payments and directors are also insureds, but only with respect to their liability as your officers or We will pay, with respect to any claim we directors. Your stockholders are also investigate or settle, or any "suit" against an insureds, but only with respect to their insured we defend: liability as stockholders. a. All expenses we incur. e. A trust,you are an insured.Your trustees are b. The cost of bonds to release attachments, also insureds, but only with respect to their but only for bond amounts within the duties as trustees. applicable limit of insurance.We do not have 2. Each of the following is also an insured: to furnish these bonds. a. Each of your "employees", other than either C. All reasonable expenses incurred by the your "executive officers" (if you are an insured at our request to assist us in the organization other than a partnership, joint investigation or defense of the claim or venture or limited liability company) or your "suit," including actual loss of earnings up to managers (if you are a limited liability $500 a day because of time off from work. company), who is or was authorized to d. All costs taxed against the insured in the administer your "employee benefitprogram." "suit." b. Any person or organization having proper e. Pre-judgment interest awarded against the temporary authorization to administer your insured on that part of the judgment we pay. "employee benefit program" if you die, but If we made an offer to pay the applicable only until your legal representative is limit of insurance, we will not pay any appointed. prejudgment interest based on that period of time after the offer. C. Your legal representative if you die, but only with respect to duties as such. That f. All interest on the full amount of any representative will have all your rights and judgment that accrues after entry of the duties under this Coverage Part. judgment and before we have paid, offered to pay, or deposited in court the part of the 3. Any organization you newly acquire or form, judgment that is within the applicable limit other than a partnership,joint venture or limited of insurance. liability company, and over which you maintain ownership or majority interest, will qualify as a CG T1010116 ©2016 The Travelers Indemnity Company.All rights reserved. Page 3 of 9 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY Named Insured if there is no other similar part of the last preceding period for purposes of insurance available to that organization. determining the Limits of Insurance. However: SECTION IV- DEDUCTIBLE a. Coverage under this provision is afforded 1. The Deductible shown in the Declarations and only until the 180th day after you acquire, or the rules below fix the amount of damages form the organization or the end of the incurred by, or on behalf of, you or any insured policy period,whichever is earlier: that you will be responsible for paying, b. Coverage under this provision does not regardless of the number of: apply to any negligent act, error or omission that was committed before you acquired or a. Insureds; formed the organization. b. Claims made or"suits"brought; No person or organization is an insured with C. Persons or organizations making claims or respect to the conduct of any current or past bringing"suits"; partnership, joint venture or limited liability d. Acts,errors or omissions;or company that is not shown as a Named Insured in the Declarations. This paragraph does not e. Benefits included in your "employee benefit apply to any such partnership, joint venture or program". limited liability company that otherwise qualifies If no amount is shown for the Deductible in the as an insured under Section II - Who Is An Declarations, the Deductible does not apply to Insured. this Coverage Part. SECTION III - LIMITS OF INSURANCE 2. The Deductible applies to all damages sustained 1. The Limits of Insurance shown in the by any one "employee", including damages Declarations and the rules below fix the most we sustained by such"employee's" dependents and will pay regardless of the number of: beneficiaries, because of all negligent acts, a. Insureds; errors or omissions committed in the b. Claims made or"suits"brought; "administration" of your "employee benefit program". C. Persons or organizations making claims or 3. The Limits of Insurance will not be reduced by bringing"suits"; the amount of damages within the deductible d. Acts,errors or omissions;or amount. e. Benefits included in your "employee benefit 4. The terms of this policy, including those with program". respect to: 2. The Aggregate Limit is the most we will pay for a. Our right and duty with respect to the all damages because of all negligent acts, errors defense of"suits";and or omissions committed in the "administration" of your"employee benefit program." b. Your duties in the event of an act, error or 3. Subject to the Aggregate Limit, the Each omission,claim or suit; Employee Limit is the most we will pay for all apply irrespective of the application of the damages sustained by any one "employee", deductible amount. including damages sustained by such 5. If we settle a claim or "suit"for damages, or pay "employee's" dependents and beneficiaries, a judgment for damages awarded in a"suit",that because of all negligent acts,errors or omissions are subject to a deductible,we may pay any part committed in the "administration" of your or all of the deductible amount. You will "employee benefit program". promptly reimburse us for such part of the The Limits of Insurance of this Coverage Part deductible amount as we have paid. apply separately to each consecutive annual SECTION V - EMPLOYEE BENEFITS LIABILITY period and to any remaining period of less than CONDITIONS 12 months, starting with the beginning of the 1. Bankruptcy policy period shown in the Declarations, unless the policy period is extended after issuance for Bankruptcy or insolvency of the insured or of the an additional period of less than 12 months. In insured's estate will not relieve us of our that case, the additional period will be deemed obligations under this Coverage Part. CG T1010116 ©2016 The Travelers Indemnity Company.All rights reserved. Page 4 of 9 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY 2. Duties In The Event Of Act, Error Or a partnership or joint venture), any of Omission,Claim Or Suit your managers who is an individual (if you are a limited liability company), any a. You must see to it that we are notified as of your of officers" or directors soon as practicable of an act, error or (if you are an organization other than a omission which may result in a claim. To the partnership, joint venture, or limited extent possible,notice should include: liability company), any of your trustees (1) What the act, error or omission was and who is an individual(if you are a trust) or when it was committed;and any "employee" authorized by you to (2)The names and addresses of any give notice of an act,error or omission. "employees"who may suffer loss caused (2)If you are a partnership, joint venture, by the act,error or omission. limited liability company or trust, and b. If a claim is made or "suit" is brought by any none of your partners, joint venture members, managers or trustees are insured,you must: individuals,notice to us of such act,error (1) Immediately record the specifics of the or omission must be given as soon as claim or"suit"and the date received;and practicable only after the act, error or (2)Notify us as soon as practicable. omission is known by: You must see to it that we receive written (a)Any individual who is: notice of the claim or "suit" as soon as (i) A lawfully elected or appointed practicable. official, executive officer or C. You and any other involved insured must: director of any public entity; (1) Immediately send us copies of any (ii)A partner or member of any demands, notices, summonses or legal partnership orjoint venture; papers received in connection with the (iii)A manager of any limited liability claim or a"suit"; company; (2)Authorize us to obtain records and other (iv)An executive officer or director information; of any other organization;or (3)Cooperate with us in the investigation or (v)A trustee of any trust; settlement of the claim or defense that is your partner, joint venture against the"suit";and member,manager or trustee;or (4)Assist us, upon our request, in the (b)Any "employee" authorized by such enforcement of any right against any partnership, joint venture, limited person or organization which may be liability company, trust or other liable to the insured because of loss to organization to give notice of an act, which this insurance may also apply. error or omission. d. No insured will, except at that insured's own 3. Legal Action Against Us cost, voluntarily make a payment, assume No person or organization has a right under this any obligation, or incur any expense without Coverage Part: ourconsent. a. To join us as a party or otherwise bring us e. The following provisions apply to Paragraph into a "suit" asking for damages from an a. above, but only for purposes of the insured;or insurance provided under this Coverage Part b. To sue us on this Coverage Part unless all of to you or any insured listed in Paragraph 1. its terms have been fully complied with. or 2.of Section II -Who Is An Insured: A person or organization may sue us to recover (1) Notice to us of such act, error or on an agreed settlement or on a final judgment omission must be given as soon as against an insured; but we will not be liable for practicable only after the act, error or damages that are not payable under the terms omission is known to you (if you are an of this Coverage Part or that are in excess of the individual), any of your partners or applicable limit of insurance. An agreed members who is an individual (if you are settlement means a settlement and release of CG T1010116 ©2016 The Travelers Indemnity Company.All rights reserved. Page 5 of 9 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY liability signed by us, the insured and the b. Premium shown in this Coverage Part as claimant or the claimant's legal representative. advance premium is a deposit premium only. 4. Other Insurance At the close of each audit period we will If valid and collectible other insurance is compute the earned premium for that available to the insured for a loss we cover under period and send notice to the first NamedInsured. The due date for audit and this Coverage Part, our obligations are limited as retrospective premiums is the date shown as described in Paragraphs a.and b.below. the due date on the bill. If the sum of the As used anywhere in this Coverage Part, other advance and audit premiums paid for the insurance means insurance, or the funding of policy period is greater than the earned losses,that is provided by, through or on behalf premium, we will return the excess to the of: first Named Insured. (i) Another insurance company; C. The first Named Insured must keep records (ii) Us or any of our affiliated insurance of the information we need for premium computation, and send us copies at such companies; times as we may request. (iii)Any risk retention group;or 6. Representations (iv)Any self-insurance method or program, in By accepting this policy,you agree: which case the insured will be deemed to be the provider of other insurance. a. The statements in the Declarations are Other insurance does not include umbrella accurate and complete; insurance, or excess insurance, that was bought b. Those statements are based upon specifically to apply in excess of the Limits of representations you made to us;and Insurance shown in the Declarations. c. We have issued this policy in reliance upon As used anywhere in this Coverage Part, other your representations. insurer means a provider of other insurance. As The unintentional omission of, or unintentional used in Paragraph b. below, insurer means a error in, any information provided by you which provider of insurance. we relied upon in issuing this policy will not a. Primary Insurance prejudice your rights under this insurance. This insurance is primary. If any of the other However,this provision does not affect our right insurance is also primary, we will share with to collect additional premium or to exercise our all that other insurance by the method rights of cancellation or renewal in accordance described in Paragraph b.below. with applicable insurance laws or regulations. b. Method Of Sharing 7. Separation Of Insureds Except with respect to the Limits of Insurance, If all of the other insurance permits and any rights or duties specifically assigned in contribution by equal shares, we will follow this Coverage Part to the first Named Insured, this method also. Under this approach each this insurance applies: insurer contributes equal amounts until it has paid its applicable limit of insurance or a. As if each Named Insured were the only none of the loss remains, whichever comes Named Insured;and first. b. Separately to each insured against whom If any of the other insurance does not permit claim is made or"suit"is brought. contribution by equal shares, we will g, Transfer Of Rights Of Recovery Against contribute by limits. Under this method, Others To Us each insurer's share is based on the ratio of its applicable limit of insurance to the total If the insured has rights to recover all or part of applicable limits of insurance of all insurers. any payment we have made under this Coverage 5. Premium Audit Part, those rights are transferred to us. The insured must do nothing after loss to impair a. We will compute all premiums for this them.At our request,the insured will bring"suit" Coverage Part in accordance with our rules or transfer those rights to us and help us enforce and rates. them. CG T1010116 ©2016 The Travelers Indemnity Company.All rights reserved. Page 6 of 9 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY 9. When We Do Not Renew three years or an unlimited period of time,as set If we decide not to renew this Coverage Part,we forth in the Supplemental Extended Reporting will mail or deliver to the first Named Insured Period Endorsement. This supplemental period shown in the Declarations written notice of the replaces the Basic Extended Reporting Period. nonrenewal not less than 30 days before the This Supplemental Extended Reporting Period expiration date. will not go into effect unless we receive all of the If notice is mailed, proof of mailing will be following within 90 days after the end of the sufficient proof of notice. policy period and you have fulfilled all other duties, and complied with all other conditions 10.Cancellation, Nonrenewal And Renewal and requirements,under this policy: Conditions Applicable To Commercial a. A written request from you to purchase the General Liability Coverage Part Supplemental Extended Reporting Period; All conditions relating to cancellation, b. Full payment of the earned premium for this nonrenewal or renewal that are included in any policy; endorsement applicable to the Commercial C. Payment of the additional premium for the General Liability Coverage Part attached to this Supplemental Extended Reporting Period policy also apply to this Coverage Part. Endorsement;and SECTION VI - EXTENDED REPORTING d. Repayment of any deductible you owe us PERIODS under this Coverage Part. 1. We will provide one or more Extended Reporting We will determine the additional premium for Periods,as described below,if: that endorsement in accordance with our rules a. This Coverage Part is cancelled or not and rates. The additional premium for the renewed for any reason;or Supplemental Extended Reporting Period b. We renew or replace this Coverage Part with Endorsement will not exceed 200% of the insurance that has a Retroactive Date later annual premium for this policy. than the date shown in the Declarations. This endorsement will set forth the terms, not 2. The Extended Reporting Periods do not extend inconsistent with this Section VI - Extended the policy period or change the scope of Reporting Periods, applicable to the coverage provided. They only apply to claims or Supplemental Extended Reporting Period, "suits"for loss caused by a negligent act,error or including a provision to the effect that the omission committed on or after the Retroactive insurance afforded for claims or "suits" first Date shown in the Declarations and before the made or brought against any insured during such end of the policy period. period is excess over any valid and collectible other insurance available under insurance in Once in effect, Extended Reporting Periods may force after the Supplemental Extended not be canceled. Reporting Period starts. 3. A Basic Extended Reporting Period is The Supplemental Extended Reporting Period automatically provided without additional does not reinstate or increase the limits of charge. This period starts with the end of the insurance. policy period and lasts for 90 days. SECTION VII - DEFINITIONS The Basic Extended Reporting Period does not apply to claims or "suits" for loss covered under 1. "Administration"means: subsequent insurance you purchase, or that a. Providing information to "employees", would be covered under such insurance but for including their dependents and beneficiaries, the exhaustion of its applicable limit of with respect to eligibility for or scope of the insurance. "employee benefit program"; The Basic Extended Reporting Period does not b. Handling records in connection with the reinstate or increase the limits of insurance. "employee benefit program";or 4. A Supplemental Extended Reporting Period is C. Effecting, continuing or terminating any available but only by an endorsement and for an "employee's" participation in any benefit extra charge. This supplemental period starts included in the"employee benefit program." with the end of the policy period and lasts for However, "administration" does not include handling payroll deductions. CG T1010116 ©2016 The Travelers Indemnity Company.All rights reserved. Page 7 of 9 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY 2. "Advertisement" means a notice that is 5. "Cafeteria plan" means plans authorized by broadcast or published to the general public or applicable law to allow "employees" to elect specific market segments about your goods, to pay for certain benefits with pre-tax products or services for the purpose of dollars. attracting customers or supporters. For the purposes of this definition: 6. "Coverage territory" means the United States of America (including its territories a. Notices that are published include material and possessions), Puerto Rico or Canada, placed on the Internet or on similar provided that the insured's responsibility to electronic means of communication;and pay damages is determined in a "suit"on the b. Regarding web sites, only that part of a web merits in the United States of America site that is about your goods, products or (including its territories and possessions), services for the purposes of attracting Puerto Rico or Canada,or in a settlement we customers or supporters is considered an agree to. advertisement. 7. "Employee" means a person actively 3."Advertising injury": employed, formerly employed, on leave of absence or disabled, or retired. "Employee" a. Means injury, other than "personal injury", includes a "leased worker". "Employee"does caused by one or more of the following not include a"temporary worker". offenses: (1) Oral or written publication, including 8. "Employee benefit program": publication by electronic means, of a. Means a program providing some or all material in your "advertisement" that of the following benefits to your slanders or libels a person or "employees", whether provided through organization or disparages a person's or a"cafeteria plan"or otherwise: organization's goods, products or services,provided that the claim is made (1) Group life insurance; group accident or the "suit" is brought by a person or or health insurance; dental, vision and hearing plans; and flexible organization that claims to have been slandered or libeled or that claims to spending accounts, provided that no have had its goods, products or services one other than your"employee"may disparaged; subscribe to such benefits and such benefits are made generally available (2)Oral or written publication, including to all of those "employees" who publication by electronic means, of satisfy the plan's eligibility material in your"advertisement"that: requirements; (a)Appropriates a person's name,voice, (2)Profit sharing plans, employee photograph or likeness;or savings plans, employee stock (b)Unreasonably places a person in a ownership plans, pension plans and false light;or stock subscription plans, provided that no one other than your (3)Infringement of copyright, "title" or of may subscribe to such "slogan" in your "advertisement", benefits and such benefits are made provided that the claim is made or the of generally generally available to all of those suit is brought by a person or employees who are eligible under organization that claims ownership of the plan for such benefits; such copyright,"title"or"slogan". b. Includes "bodily injury" caused by (3)Unemployment insurance, social one or more of the offenses security benefits, workers' compensation and disability described in Paragraph a.above. benefits; 4. "Bodily injury": (4)Vacation plans,including buy and sell a. Means any harm, including sickness or programs; leave of absence disease,to the health of a person. programs, including military, b. Includes mental anguish, injury or illness, maternity, family, and civil leave; or emotional distress. tuition assistance plans; CG T1010116 ©2016 The Travelers Indemnity Company.All rights reserved. Page 8 of 9 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY transportation and health club publication by electronic means, of subsidies;and material that: (5)Any other similar benefits (a)Appropriates a person's name, designated in the Declarations or voice,photograph or likeness;or added thereto by endorsement. (b)Unreasonably places a person in b. Does not include any benefit plan or a false light. program described in Paragraph a. b. Includes"bodily injury" caused by one or above that is self-insured. more of the offenses described in 9. "Executive officer" means a person holding Paragraph a.above. any of the officer positions created by your charter, constitution, bylaws or any other 12. "Property damage"means: similar governing document. a. Physical injury to tangible property, 10."Leased worker" means a person leased to including all resulting loss of use of that you by a labor leasing firm under an property;or agreement between you and the labor b. Loss of use of tangible property that is leasing firm,to perform duties related to the not physically injured. conduct of your business. "Leased worker" does not include a"temporary worker". 13. "Slogan": 11. "Personal injury": a. Means a phrase that others use for the purpose of attracting attention in their a. Means injury, other than "advertising advertising. injury", caused by one or more of the following offenses: b. Does not include a phrase used as, or in, the name of: (1) False arrest, detention or imprisonment; (1) Any person or organization, other than you;or (2)Malicious prosecution; (2)Any business,or any of the premises, (3)The wrongful eviction from,wrongful goods,products,services or work,of entry into, or invasion of the right of any person or organization, other private occupancy of a room, than you. dwelling or premises that a person occupies, provided that the wrongful 14. "Suit" means a civil proceeding in which eviction wrongful entry or invasion damages because of loss to which this of the right of private occupancy is insurance applies are alleged."Suit"includes: committed by or on behalf of the a. An arbitration proceeding in which such owner, landlord or lessor of that damages are claimed and to which the room,dwelling or premises; insured must submit or submits with our (4)Oral or written publication, including consent;or publication by electronic means, of b. Any other alternative dispute resolution material that slanders or libels a proceeding in which such damages are person or organization or disparages claimed and to which the insured a person's or organization's goods, submits with our consent. products or services provided that the claim is made or the "suit" is 15. "Temporary worker" means a person who is brought by a person or organization furnished to you to substitute for a that claims to have been slandered permanent "employee" on leave or to meet or libeled, or that claims to have had seasonal or short-term workload its goods, products or services conditions. disparaged;or 16. "Title" means a name of a literary or artistic (5)Oral or written publication, including work. CG T1010116 ©2016 The Travelers Indemnity Company.All rights reserved. Page 9 of 9 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. AMENDMENT - NON CUMULATION OF EACH OCCURRENCE LIMIT OF LIABILITY AND NON CUMULATION OF PERSONAL AND ADVERTISING INJURY LIMIT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART 1. Paragraph 5 of SECTION III - LIMITS OF 2. Paragraph 4 of SECTION III - LIMITS OF INSURANCE, is amended to include the INSURANCE, is amended to include the following: following: Non cumulation of Each Occurrence Limit - If Non cumulation of Personal and Advertising one "occurrence" causes "bodily injury" and/or Limit - If "personal injury" and/or "advertising "property damage" during the policy period and injury" is sustained by any one person or during the policy period of one or more prior organization during the policy period and during and/or future policies that include a commercial the policy period of one or more prior and/or general liability coverage part for the insured future policies that include a commercial general issued by us or any affiliated insurance company, liability coverage part for the insured issued by the amount we will pay is limited. This policy's us or any affiliated insurance company, the Each Occurrence Limit will be reduced by the amount we will pay is limited. This policy's amount of each payment made by us and any Personal Injury and Advertising Injury Limit will affiliated insurance company under the other be reduced by the amount of each payment policies because of such"occurrence". made by us and any affiliated insurance company under the other policies because of such "personal injury"and/or"advertising injury". CG D2 0312 97 91997 The Travelers Indemnity Company. Page 1 of 1 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF CONTRACTUAL LIABILITY EXCLUSION - EXCEPTION FOR DAMAGES ASSUMED IN AN INSURED CONTRACT APPLIES ONLY TO NAMED INSURED This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS a. The "suit" against the indemnitee seeks 1. The following replaces Paragraph (2) of damages for which you have assumed the liability of the indemnitee in a Exclusion b., Contractual Liability, in contract or agreement that is an Paragraph 2. of SECTION I - COVERAGES - "insured contract"; COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY: b. This insurance applies to such liability assumed by you; (2)Assumed by you in a contract or agreement that is an "insured contract", provided that C. The obligation to defend, or the cost of the "bodily injury" or "property damage" the defense of,that indemnitee has also occurs subsequent to the execution of the been assumed by you in the same "insured contract"; contract or agreement. Solely for the purposes of liability assumed by you in an d. The allegations in the "suit" and the "insured contract", reasonable attorney fees information we know about the and necessary litigation expenses incurred "occurrence"or offense are such that we by or for a party other than an insured will be determine that no conflict exists deemed to be damages because of "bodily between your interests and the interests injury"or"property damage",provided that: of the indemnitee; (a) Liability to such party for,or for the cost e. You and the indemnitee ask us to of, that party's defense has also been conduct and control the defense of that assumed by you in the same "insured indemnitee against such "suit"and agree contract";and that we can assign the same counsel to (b)Such attorney fees and litigation defend you and the indemnitee;and expenses are for defense of that party 3. The following replaces the last sentence of against a civil or alternative dispute Paragraph 2. of SUPPLEMENTARY resolution proceeding in which damages PAYMENTS - COVERAGES A AND B of to which this insurance applies are SECTION I - COVERAGES: alleged. Our obligation to defend your indemnitee and to 2. The following replaces the beginning of pay for attorneys' fees and necessary litigation Paragraph 2., and Paragraphs 2.a.,b., c.,d. and expenses as Supplementary Payments ends e., of SUPPLEMENTARY PAYMENTS - when: COVERAGES A AND B of SECTION I - a. We have used up the applicable limit of COVERAGES: insurance in the payment of judgments, 2. If we defend you against a "suit" and your settlements or medical expenses;or indemnitee is also named as a party to the b. The conditions set forth above or the terms "suit", we will have the right and duty to of the agreement described in Paragraph f. defend that indemnitee if all of the following above,are no longer met. conditions are met: CG D4 2107 08 ©2008 The Travelers Companies, Inc. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - LEAD This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART CATASTROPHE UMBRELLA POLICY PROVISIONS 2. Any obligation to share damages, losses, costs, This insurance does not apply to any injury, damage, payments or expenses with or repay someone loss, cost, payment or expense, including, but not else who must make payment because of such limited to, defense and investigation, of any kind injury or damage, loss, cost, payment or arising out of, resulting from, caused by or expense;or contributed to by the actual or alleged presence or actual, alleged or threatened dispersal, release, 3. Any request, order or requirement to abate, ingestion, inhalation or absorption of lead, lead mitigate, remediate, contain, remove or dispose of lead, lead compounds or materials or compounds or lead which is or was contained or substances containing lead. incorporated into any material or substance. This exclusion applies,but is not limited to: 1. Any supervision, instructions,recommendations, warnings or advice given in connection with the above; CG DO 76 06 93 Page 1 of 1 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY EXCLUSION - DISCRIMINATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 2. The following exclusion is added to Paragraph 2., 1. The following exclusion is added to Paragraph 2., Exclusions, of SECTION I - COVERAGES - Exclusions, of SECTION I - COVERAGES - COVERAGE B - PERSONAL AND COVERAGE A - BODILY INJURY AND ADVERTISING INJURY LIABILITY: PROPERTY DAMAGE LIABILITY: Discrimination Discrimination "Personal injury" arising out of discrimination based upon a person's sex, sexual orientation, Bodily injury arising out of discrimination marital status, pregnancy, race, color, creed, based a upon erson's sex sexual orientation p p religion, national origin, citizenship, veteran marital status, pregnancy, race, color, creed, status, age, genetic information or physical or religion, national origin, citizenship, veteran mental disability, or any other characteristic, status, age, genetic information or physical or attribute,trait, condition or status that qualifies mental disability, or any other characteristic, a person for protection against discrimination attribute,trait, condition or status that qualifies under federal,state or local law. a person for protection against discrimination under federal,state or local law. CG D142 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. TABLE OF CONTENTS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM Beginning on Page SECTION I - EMPLOYEE BENEFITS LIABILTY COVERAGE InsuringAgreement............................................................................................................................. 1 Exclusions.............................................................................................................................................. 2 SupplementaryPayments.................................................................................................................. 3 SECTION II --WHO IS AN INSURED...................................................................................................... 3 SECTION III --LIMITS OF INSURANCE.................................................................................................. 4 SECTION IV--DEDUCTIBLE.................................................................................................................... 4 SECTION V--EMPLOYEE BENEFITS LIABILITY CONDITIONS 5 Bankruptcy............................................................................................................................................ 5 Duties in The Event of Act,Error or Omission................................................................................. 5 LegalAction Against Us.......................................................................................................................6 OtherInsurance.................................................................................................................................... 6 PremiumAudit......................................................................................................................................6 Representations...................................................................................................................................7 Separationof Insureds........................................................................................................................ 7 Transfer of Rights of Recovery Against Others To Us.................................................................... 7 WhenWe Do Not Renew.................................................................................................................... 7 Cancellation, Nonrenewal And Renewal Conditions Applicable To Commercial General Liability Coverage Part............................................................................... 7 SECTION VI --EXTENDED REPORTING PERIODS.............................................................................. 7 SECTION VII --DEFINITIONS.................................................................................................................. 8 CG TO 43 0116 ©2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 COMMERCIAL GENERAL LIABILITY POLICY NUMBER:ZLP-91N68510-24-PB ISSUE DATE:10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITED ABUSE OR MOLESTATION LIABILITY COVERAGE - INCLUDES STATUTORY CAP LIMITS OF INSURANCE - IDAHO This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE OF LIMITED ABUSE OR MOLESTATION LIABILITY LIMITS Abuse Or Molestation Aggregate Limit $2,000,000 Each Abuse Or Molestation Offense Limit $1,000,000 Idaho Each Occurrence Statutory Cap Limit -Abuse Or Molestation $500,000 PROVISIONS may, at our discretion, investigate any "abuse or molestation offense" and 1. The following exclusion is added to Paragraph 2., settle any claim or"suit"that may result. Exclusions , of SECTION I - COVERAGE A - But: BODILY INJURY AND PROPERTY DAMAGE LIABILITY: (1) The amount we will pay for damages is limited as described in Section III Abuse Or Molestation - Limits Of Insurance;and "Bodily injury" arising out of any act of "abuse or (2)Our right and duty to defend end molestation"committed by any person. when we have used up the applicable 2. The following exclusion is added to Paragraph 2., limit of insurance in the payment of Exclusions , of SECTION I - COVERAGE B - judgments or settlements under PERSONAL INJURY AND ADVERTISING Limited Abuse Or Molestation INJURY LIABILITY: Liability Coverage. Abuse Or Molestation No other obligation or liability to pay sums or perform acts or services is "Personal injury" arising out of any act of"abuse covered unless explicitly provided for or molestation"committed by any person. under Supplementary Payments. 3. The following is added to SECTION I - b. This insurance applies to "bodily injury" COVERAGES: or "personal injury" caused by an "abuse LIMITED ABUSE OR MOLESTATION or molestation offense" arising out of LIABILITY COVERAGE your business but only if the "abuse or molestation offense" was committed in 1. Insuring Agreement the"coverage territory"during the policy a. We will pay those sums that the insured period. An "abuse or molestation becomes legally obligated to pay as offense" involving multiple, continuous, damages because of "bodily injury" or sporadic or related acts of "abuse or "personal injury" to which this insurance molestation" will be deemed to have applies. We will have the right and duty been committed on the date the first of to defend the insured against any "suit" such acts is committed, regardless of seeking those damages. However, we when such acts are actually committed. will have no duty to defend the insured against any "suit" seeking damages for "bodily injury" or "personal injury" to which this insurance does not apply. We CG D5 39 0519 ©2018 The Travelers Indemnity Company.All rights reserved. Page 1 of 5 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL GENERAL LIABILITY 2. Exclusions (2)Assumed in a contract or agreement This insurance does not apply to: that is an "insured contract", provided that the "bodily injury" or a. Directed Or Knowingly Allowed "personal injury" is caused by an Acts "abuse or molestation offense" "Bodily injury" or "personal injury" committed subsequent to the arising out of an "abuse or molestation execution of the contract or offense" committed at the direction of agreement. Solely for the purposes the insured or that the insured of liability assumed in an "insured knowingly allowed to happen. contract", reasonable attorneys' fees and necessary litigation b. Failure To Report expenses incurred by or for a party "Bodily injury" or "personal injury" other than an insured will be deemed arising out of a failure by the insured to be damages because of "bodily having knowledge of an act of"abuse or injury" or "personal injury", provided molestation" to comply with any that: applicable federal, state or local law, (a) Liability to such party for, or for ordinance or regulation which requires the cost of, that party's defense the reporting of such act. has also been assumed in the c. Known History same"insured contract";and (b)Such attorneys' fees and "Bodily injury" or "personal injury" litigation expenses are for arising out of the employment, or the defense of that party against a use as a "volunteer worker", of a person civil or alternative dispute who had a history of committing "abuse resolution proceeding in which or molestation"of which the insured had damages to which this insurance knowledge: applies are alleged. (1) Before or during that person's f. Workers' Compensation And employment or use as a "volunteer Similar Laws worker";and Any obligation of the insured under a (2)Before that person committed the workers' compensation, disability "abuse or molestation offense". benefits or unemployment d. Known Prior Acts compensation law or any similar law. "Bodily injury" or "personal injury" g• Employer's Liability arising out of any act in an "abuse or "Bodily injury"to: molestation offense" if any insured listed under Paragraph 1. of Section II - (1) An"employee" of the insured arising out of and in the course of: Who Is An Insured or any "employee" authorized by you to give or receive (a) Employment by the insured; notice of an "abuse or molestation or offense" or claim was aware of such act (b)Performing duties related to prior to the effective date of this the conduct of the insured's Limited Abuse Or Molestation business;or Liability Coverage. (2)The spouse, child, parent, brother or e. Contractual Liability sister of that "employee" as a "Bodily injury" or "personal injury" for consequence of Paragraph (1) which the insured has assumed liability above. in a contract or agreement. This This exclusion applies whether the exclusion does not apply to liability for insured may be liable as an employer or damages: in any other capacity and to any (1) That the insured would have in the obligation to share damages with or absence of the contract or repay someone else who must pay agreement;or damages because of the injury. CG D5 39 0519 ©2018 The Travelers Indemnity Company.All rights reserved. Page 2 of 5 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY h. Access Or Disclosure Of Person's described in Paragraph (a), (b), or Confidential Or Personal (c)above is directed. Information This exclusion applies whether the "Bodily injury" or "personal injury" insured may be liable as an employer or arising out of any unauthorized access to in any other capacity and to any or disclosure of any person's confidential obligation to share damages with or or personal information committed by a repay someone else who must pay person or organization other than: damages because of the "bodily injury" (1) Any person listed in Paragraph 1. of or"personal injury". Section II -Who Is An Insured; j. Coverage A Or Coverage B (2)Any of your "employees" or Exclusions Added By Endorsement "volunteer workers";or "Bodily injury" or "personal injury" (3)Any person acting as a student excluded by any exclusion added to teacher as part of his or her Coverage A or Coverage B by educational requirements with you, endorsement to this policy, except an if you are a public entity, college or Abuse Or Molestation exclusion. school. 4. The following is added to SECTION II - WHO i. Employment-Related Practices IS AN INSURED: "Bodily injury"or"personal injury"to: None of the following is an insured for "bodily (1) A person arising out of any: injury" or "personal injury" caused by an "abuse or molestation offense": (a) Refusal to employ that person; a. Any person who committed the "abuse or molestation offense".However, with respect (b)Termination of that person's to: employment;or (1) Any person listed in Paragraph 1. of (c) Employment-related Section II -Who Is An Insured; practice, policy, act or omission, such as coercion, (2)Any of your "employees" or "volunteer demotion, evaluation, workers";or reassignment, discipline, (3)Any person acting as a student teacher failure to promote or as part of his or her educational advance, harassment, requirements with you, if you are a humiliation, discrimination, public entity,college or school; libel, slander, violation of the we will reimburse you for the reasonable person's right of privacy, expenses that you incur to defend such malicious prosecution or false person against any "suit" seeking damages arrest, detention or for "bodily injury" or "personal injury" to imprisonment applied to or which this insurance applies caused by an directed at that person, "abuse or molestation offense" if a final, regardless of whether such non-appealable adjudication in any judicial practice, policy, act or proceeding establishes that such person did not commit such abuse or molestation omission occurs, is applied or offense". is committed before, during or after the time of that b. Any person or organization that has been person's employment;or added to your policy as an additional insured, or any employee, leased worker, (2)The spouse, child, parent, brother or agent,representative or volunteer worker of sister of that person as a such person or organization. consequence of "bodily injury" or However, if you have agreed in a written "personal injury" to that person at contract or agreement to include such whom any of the person or organization as an additional employment-related practices insured on this Coverage Part, such person CG D5 39 0519 ©2018 The Travelers Indemnity Company.All rights reserved. Page 3 of 5 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY or organization is an insured, but only with forth in Paragraph 5. of Section III - Limits Of respect to liability for "bodily injury" or Insurance and the Personal and Advertising "personal injury" caused by an "abuse or Injury Limit set forth in Paragraph 4. of Section molestation offense"that: III - Limits Of Insurance. (1) Is committed subsequent to the signing Subject to the Each Abuse Or Molestation of that contract or agreement;and Offense Limit, the Idaho Each Occurrence (2)Arises out of your business. The person Statutory Cap Limit - Abuse Or Molestation or organization does not qualify as an shown in the Schedule Of Limited Abuse Or additional insured with respect to the Molestation Liability Limits is the most we will independent acts or omissions of such pay for the sum of all damages: person or organization. a. Because of "bodily injury" and "personal The insurance provided to such person or injury" arising out of one or more "abuse or molestation offenses that are determined organization is subject to the following to be one occurrence or accident under provisions: Idaho Code Section 6-926 or any (1) The limits of insurance provided to such amendments to that section;and person or organization will be the b. That are subject to Idaho's statutory cap on minimum limits that you agreed to damages for governmental tort liability in provide in the written contract or Idaho Code Section 6-926 or any agreement, or the limits shown in the amendments to that section. Schedule Of Limited Abuse Or Molestation Liability Limits, whichever This limit is in addition to, and not included are less. within, the Each Occurrence Limit set forth in Paragraph 5. of Section III - Limits Of Insurance (2)The insurance provided to such person and the Personal and Advertising Injury Limit set or organization does not apply to any forth in Paragraph 4. of Section III - Limits Of bodily injury or personal injury Insurance. caused by an "abuse or molestation offense"committed after the contract or 6. The following is added to Paragraph 4. of agreement expires. SECTION IV - COMMERCIAL GENERAL c. Any of your independent contractors,or any LIABILITY CONDITIONS: employee, leased worker, agent, If valid and collectible other insurance is representative or volunteer worker of such available to the insured for a loss we cover under independent contractor. Limited Abuse Or Molestation Liability 5. The following is added to SECTION III - LIMITS Coverage, this insurance for Limited Abuse OF INSURANCE: Or Molestation Liability Coverage is The Abuse Or Molestation Aggregate Limit primary. However, this insurance for Limited shown in the Schedule Of Limited Abuse Or Abuse Or Molestation Liability Coverage is Molestation Liability Limits is the most we will excess over any of the other insurance, whether pay for the sum of all damages under Limited primary, excess, contingent or on any other Abuse Or Molestation Liability Coverage. basis, that is available to the insured when the This limit is in addition to, and not included insured is an additional insured, or is any other insured that does not qualify as a named within, the General Aggregate Limit set forth in insured,under such other insurance. Paragraph 2.of Section III - Limits Of Insurance. Subject to the Abuse Or Molestation Aggregate If this insurance for Limited Abuse Or Limit, the Each Abuse Or Molestation Offense Molestation Liability Coverage is primary, Limit shown in the Schedule Of Limited Abuse Or our obligations are not affected unless any of the Molestation Liability Limits is the most we will other insurance is also primary. Then, we will pay under Limited Abuse Or Molestation share with all that other insurance by one of the Liability Coverage for the sum of all damages following methods: because of "bodily injury" and "personal injury" (1) If all of the other insurance permits arising out of any one "abuse or molestation contribution by equal shares, we will follow offense". This limit is in addition to, and not this method also. Under this approach each included within, the Each Occurrence Limit set provider of insurance contributes equal amounts until it has paid its applicable limit CG D5 39 0519 ©2018 The Travelers Indemnity Company.All rights reserved. Page 4 of 5 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY of insurance or none of the loss remains, "Abuse or molestation" means any actual or whichever comes first. threatened illegal or offensive act committed (2)If any of the other insurance does not permit against any person who is: contribution by equal shares, we will a. Under 18 years of age; contribute by limits. Under this method,the b. Your student; share of each provider of insurance is based on the ratio of its applicable limit of �• Legally incompetent;or insurance to the total applicable limits of d. In the care, custody or control of any insured insurance of all providers of insurance. and is physically or mentally incapable of When this insurance for Limited Abuse Or consenting to such act; Molestation Liability Coverage is excess, we regardless of whether such illegal or offensive will have no duty under Limited Abuse Or act involved physical contact with such person. Molestation Liability Coverage to defend "Abuse or molestation offense" means a single the insured against any "suit" if any provider of act of "abuse or molestation", or multiple, other insurance has a duty to defend the insured continuous,sporadic or related acts of"abuse or against that "suit". If no provider of other molestation",committed by: insurance defends, we will undertake to do so, a. One person;or but we will be entitled to the insured's rights against all those providers of other insurance. b. Two or more persons acting together. We will pay only our share of the amount of the All such acts of "abuse or molestation" will be loss,if any,that exceeds the sum of: deemed to be one abuse or molestation offense", regardless of the number of: (1) The total amount that all such other a. Insureds; insurance would pay for the loss in the b. Claims made or"suits"brought;or absence of this insurance;and (2)The total of all deductible and self-insured C. Persons or organizations making claims or amounts under all that other insurance. bringing"suits". 7. The following is added to the DEFINITIONS Section: CG D5 39 0519 ©2018 The Travelers Indemnity Company.All rights reserved. Page 5 of 5 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY POLICY NUMBER:ZLP-91N68510-24-PB DATE ISSUED:10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PROFESSIONAL HEALTH CARE AND SOCIAL SERVICES LIABILITY COVERAGE - DESIGNATED PROFESSIONALS - PUBLIC ENTITIES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE OF DESIGNATED PROFESSIONALS (0 indicates applicable) ❑ Nurse-other than ajail nurse ❑ Jail Nurse ❑ Emergency Medical Technician ❑ Social Service Professional ❑ Coroner PROVISIONS b. The furnishing or dispensing of drugs or 1. The following is added to the definition of medical, dental or surgical supplies orappliances; "occurrence"in the DEFINITIONS Section: C. The handling or treatment of corpses, "Occurrence"also means: including for autopsies or organ donations, a. An act or omission committed by a but not including performing autopsies or "designated professional", acting within the performing medical procedures related to scope of his or her duties for you as such organ donations;or "designated professional", in providing or d. Any psychological or emotional counseling failing to provide "described professional service,treatment,advice or instruction. health care services";or "Designated professional" means any of your b. An act or omission committed by a "employees"or"volunteer workers"who: "designated professional", acting within the scope of his or her duties for you as such a. Is performing duties for you as a "designated professional", in providing or professional indicated with an 0 in the failing to provide "professional social Schedule of Designated Professionals; services". b. Is not a medical doctor;and 2. The following is added to the DEFINITIONS C. Is not a nurse providing "described Section: professional health care services" at or in "Described professional health care services" connection with a nursing home. means: a. Any medical, surgical, dental, laboratory, x-ray or nursing services, treatment, advice or instruction, or the related furnishing of food or beverages; CG D4 8102 09 (Revised 04-12) ©2009 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY "Professional social services" means any of the 5. The following exclusion is added to Paragraph 2., professional services or activities that are, or Exclusions, of SECTION I - COVERAGES - should have been,performed by any "employee" COVERAGE A BODILY INJURY AND or "volunteer worker" of your social services PROPERTY DAMAGE LIABILITY: department, health and human services department, or similar department, including Criminal, Dishonest, Fraudulent Or any advice or instruction provided with such Malicious Acts Or Knowing Violations Of services or activities. Rights Or Laws 3. The following is added to Paragraph 2.a.(1) of "Bodily injury" or "property damage" arising out SECTION II -WHO IS AN INSURED: of any criminal, dishonest, fraudulent or Paragraphs (1)(a), (b), (c) and (d) above do malicious act or omission, or any knowing violation of rights or laws, committed by a not apply to bodily injury or personal injury "designated professional" in providing or failing arising out of providing or failing to provide: to provide "described professional health care (a)"Described professional health care services"or"professional social services". services";or This exclusion does not apply to any insured who (b)"Professional social services"; did not consent to, or have knowledge of, such by a "designated professional" acting within the act or omission or knowing violation. scope of his or her duties for you as such This exclusion also does not apply to our duty to "designated professional". defend: 4. The following is added to Paragraph 5. of (1) A "designated professional" who is an SECTION III - LIMITS OF INSURANCE: insured until it has been determined or admitted in a legal proceeding that such For the purposes of determining the applicable "designated professional" committed such Each Occurrence Limit: act or omission or knowing violation;or a. All related acts or omissions committed by (2)Any other insured until it has been any"designated professional"in providing or determined or admitted in a legal failing to provide "described professional proceeding that such insured consented to, health care services" to any one person will or had knowledge of, such act or omission or be deemed to be one"occurrence";and knowing violation. b. All related acts or omissions committed by any"designated professional"in providing or failing to provide "professional social services" to any one person will be deemed to be one"occurrence". CG D4 8102 09 (Revised 04-12) ©2009 The Travelers Indemnity Company.All rights reserved. Page 2 of 2 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - INJURY TO VOLUNTEER FIREFIGHTERS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2., This insurance does not apply to "bodily injury" or Exclusions of Section I - Coverage A - Bodily "personal injury" to any volunteer firefighters Injury And Property Damage Liability and whether or not they are members of your Paragraph 2., Exclusions of Section I - organization, while in the course of their duties as Coverage B - Personal And Advertising Injury such. Liability: CG D2 981103 ©The Travelers Indemnity Company,2003 Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL GENERAL LIABILITY POLICY NUMBER:ZLP-91N68510-24-PB ISSUE DATE:10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FAILURE TO SUPPLY - LIMITED COVERAGE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE - FAILURE TO SUPPLY LIMIT Failure To Supply Limit$1,000,000 Each Occurrence PROVISIONS "property damage" arising out of a failure to 1. The following exclusion is added to Paragraph 2., supply that results from the sudden and accidental damage to tangible property owned Exclusions , of SECTION I - COVERAGES - or used by any insured to procure, produce, COVERAGE A BODILY INJURY AND process or transmit the gas,oil,water,electricity PROPERTY DAMAGE LIABILITY: or steam. Failure To Supply 2. The following is added to SECTION III - LIMITS "Bodily injury" or "property damage" arising out OF INSURANCE: of the failure of any insured to adequately supply Subject to Paragraph 5. of Section III - Limits Of gas,oil,water,electricity or steam. Insurance, if an amount is shown for the Failure If an amount is shown for the Failure To Supply To Supply Limit in the Schedule - Failure To Limit in the Schedule - Failure To Supply Limit, Supply Limit, that limit is the most we will pay this exclusion does not apply to such "bodily for the sum of: injury" or "property damage", and a separate a. Damages under Coverage A;and limit of insurance applies to such "bodily injury" or"property damage"as described in Section III b. Medical expenses under Coverage C; - Limits Of Insurance. because of all "bodily injury" and "property If no amount is shown for the Failure To Supply damage" arising out of the failure of any insured Limit in the Schedule - Failure To Supply Limit, to adequately supply gas,oil,water,electricity or this exclusion does not apply to"bodily injury"or steam to one or more persons or organizations. CG D4 86 02 09 © 2009 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL GENERAL LIABILITY POLICY NUMBER: ZLP-91N68510-24-PB ISSUE DATE: 10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT - POLLUTION EXCLUSION - INCLUDING LIMITED POLLUTION COSTS LIABILITY COVERAGE - PUBLIC ENTITIES OR INDIAN TRIBES - SEWAGE BACK - UP COVERAGE INCLUDED This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE - SEWAGE BACK- UP LIMIT Sewage Back- Up Limit:$500,000 Each Occurrence PROVISIONS added to your policy as an additional 1. The following replaces Paragraph 1.a.(2) of insured with respect to your ongoing SECTION I - COVERAGE A - BODILY operations performed for that additional insured at that premises, site INJURY AND PROPERTY DAMAGE or location and such premises, site or LIABILITY and of SECTION I - COVERAGE B location is not and never was owned, - PERSONAL AND ADVERTISING INJURY occupied or managed by, or rented or LIABILITY: loaned to, any insured, other than that (2) Our right and duty to defend end when we additional insured;or have used up the applicable limit of (iii)"Bodily injury" or "property damage" insurance in the payment of judgments or arising out of heat,smoke or fumes from settlements under Coverages A or B, a"hostile fire"; medical expenses under Coverage C or 3. The following is added to Paragraph (1) of "limited covered pollution costs" under Exclusion f., Pollution, in Paragraph 2. of Coverage D. SECTION I -COVERAGES - COVERAGE A- 2. The following replaces Paragraph (1)(a) of BODILY INJURY AND PROPERTY DAMAGE Exclusion f., Pollution, in Paragraph 2. of LIABILITY: SECTION I -COVERAGES - COVERAGE A- Paragraphs (1)(a) and (d) of this exclusion do BODILY INJURY AND PROPERTY DAMAGE not apply to: LIABILITY: (1) "Bodily injury" or "property damage" arising (a)At or from any premises, site or location only out of the discharge, release or escape which is or was at any time owned, occupied of any pesticide, herbicide, fungicide or or managed by, or rented or loaned to, any fertilizer if such discharge,release or escape: insured. However, this subparagraph does (a) Is caused by the application of, or not apply to: transporting, handling or storage for the (i) "Bodily injury" if sustained within a application of, such pesticide, herbicide, building and caused by smoke, fumes, fungicide or fertilizer by you or on your vapor or soot produced by or originating behalf; from equipment that is used to heat, cool or dehumidify the building, or (b)Commences abruptly during the policy produced by or originating from period and after the effective date of the equipment that is used to heat water for Amendment - Pollution Exclusion - personal use by the building's occupants Including Limited Pollution Costs or their guests; Liability Coverage - Public Entities Or Indian Tribes - Sewage Back-Up (ii)"Bodily injury" or "property damage" for Coverage Included endorsement; which you may be held liable, if you are a contractor and the owner or lessee of (c) Ends within seven consecutive days after such premises, site or location has been its abrupt commencement; CG D4 77 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 6 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY (d)Becomes known to an insured listed which is owned, occupied or managed by, or under Paragraph 1.of Section II -Who Is rented or loaned to, you during the policy An Insured, or to an "employee" period if such discharge, release or escape: authorized by you to give or receive (1) Is caused by the use of such chemical in notice of any 'occurrence" or claim, and sewage or water, or the transporting, is reported to us,within 30 days after its handling or storage of that chemical for abrupt commencement;and such use, as part of sewage treatment, (e) Does not arise out of any intentional water purification or swimming pool violation of any governmental law, maintenance operations performed by regulation or rule by you or anyone you or on your behalf; acting on your behalf;or (2)Commences abruptly during the policy (2)"Bodily injury" or "property damage" arising period and after the effective date of only out of the discharge, release or escape Amendment - Pollution Exclusion - of any "pollutant" if such discharge, release Including Limited Pollution Costs or escape: Liability Coverage - Public Entities Or Indian Tribes - Sewage Back-Up (a) Is caused by the use of, or transporting, Coverage Included endorsement; handling or storage for the use of, such "pollutant" in the providing of, or (3)Ends within seven consecutive days after training for the providing of,fire fighting its abrupt commencement; or emergency response services by you (4)Becomes known to an insured listed or on your behalf; under Paragraph 1.of Section II \- Who (b)Commences abruptly during the policy Is An Insured, or to an "employee" period and after the effective date of authorized by you to give or receive Amendment \- Pollution Exclusion - notice of any 'occurrence" or claim, and Including Limited Pollution Costs is reported to us,within 30 days after its Liability Coverage - Public Entities Or abrupt commencement;and Indian Tribes - Sewage Back-Up (5)Does not arise out of any intentional Coverage Included endorsement; violation of any governmental law, (c) Ends within seven consecutive days after regulation or rule by you or anyone its abrupt commencement; acting on your behalf. (d)Becomes known to an insured listed All "bodily injury" or "property damage" under Paragraph 1.of Section II -Who Is described in this exception will be deemed An Insured, or to an "employee" to occur at the time such discharge, release authorized by you to give or receive or escape abruptly commences. notice of any "occurrence" or claim, and Paragraph (1) of this exclusion does not is reported to us,within 30 days after its apply to "bodily injury" or "property abrupt commencement;and damage" arising only out of the discharge, (e) Does not arise out of any intentional release or escape of sewage into a building if violation of any governmental law, such discharge,release or escape: regulation or rule by you or anyone (1) Is a back-up of sewage from any sewage acting on your behalf. treatment facility or sanitary sewer that All "bodily injury" or "property damage" is owned, occupied or managed by, or described in Paragraph (1) or (2) above of rented or loaned to, you during the this exception will be deemed to occur at the policy period; time such discharge, release or escape (2)Commences abruptly during the policy abruptly commences. period and after the effective date of the Paragraphs (1)(a), (b), (d) and (e) of this Amendment - Pollution Exclusion - exclusion do not apply to "bodily injury" or Including Limited Pollution Costs "property damage" arising only out of the Liability Coverage - Public Entities Or discharge, release or escape of chlorine, Indian Tribes - Sewage Back-Up sodium hypochlorite or any other chemical Coverage Included endorsement; at or from any premises, site or location CG D4 77 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 2 of 6 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY (3)Ends within seven consecutive days after to, the limits of insurance that apply its abrupt commencement;and to Coverage A;and (4)Does not arise out of any intentional (2)Our right and duty to defend end violation of any governmental law, when we have used up the applicable regulation or rule by you or anyone limit of insurance in the payment of acting on your behalf. judgments or settlements under This exception does not apply if any of the Coverages A or B, medical expenses "bodily injury" or "property damage" arises under Coverage C or "limited out of the "hazardous properties" of any covered pollution costs" under "nuclear material" in the sewage. All "bodily Coverage D. injury" or "property damage" described in No other obligation or liability to pay this exception will be deemed to occur at the sums or perform acts or services is time such discharge, release or escape covered unless explicitly provided for abruptly commences. A separate limit of under Supplementary Payments. insurance applies to such "bodily injury" or "property damage" as described in Section b. This insurance applies to "limited III - Limits Of Insurance. covered pollution costs" only if the pollutants for which the limited 4. The following replaces Paragraph (2) of covered pollution costs" are incurred Exclusion f., Pollution, in Paragraph 2. of also cause "bodily injury" or "property SECTION I -COVERAGES - COVERAGE A- damage"that: BODILY INJURY AND PROPERTY DAMAGE (1) Is covered under Coverage A;and LIABILITY: (2)Is within an exception to Exclusion f. (2)"Pollution costs". of Coverage A that requires the 5. The following replaces Exclusion n., discharge, release or escape of Pollution-Related, in Paragraph 2. of pollutants to: SECTION I - COVERAGES -COVERAGE B- (a)Commence abruptly during the PERSONAL AND ADVERTISING INJURY policy period and after the LIABILITY: effective date of the Amendment - Pollution n. Pollution Costs Exclusion - Including Limited "Pollution costs". Pollution Costs Liability 6. The following is added to SECTION I - Coverage - Public Entities Or COVERAGES: Indian Tribes - Sewage Back-Up COVERAGE D - LIMITED COVERED Coverage Included POLLUTION COSTS LIABILITY endorsement; (b)End within seven consecutive 1. Insuring Agreement days after its abrupt a. We will pay those sums that you become commencement;and legally obligated to pay as "limited (c) Not arise out of any intentional covered pollution costs" to which this violation of any governmental insurance applies. We will have the right law, regulation or rule by you or and duty to defend you against any anyone acting on your behalf. "suit" seeking those "limited covered Such exception also may require the pollution costs". How-ever, we will have discharge, release or escape of no duty to defend you against any suit "pollutants" to become known to an seeking"limited covered pollution costs" insured listed under Paragraph 1. of to which this insurance does not apply. We may at our discretion investigate any Section II - Who Is An Insured, or to discharge, release or escape of an "employee" authorized by you to "pollutants" and settle any claim or give or receive notice of any "suit"that may result.But: "occurrence" or claim, and be (1) The amount we will pay for "limited reported to us, within 30 days after covered pollution costs" will be its abrupt commencement. included within, and not in addition CG D4 77 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 3 of 6 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY 2. Exclusion b. To sue us on this Coverage Part unless all of This insurance does not apply to "limited its terms have been fully complied with. covered pollution costs" which you are With respect to "limited covered pollution obligated to pay by reason of the costs", a person or organization may sue us to assumption of liability in a contract or recover on an agreed settlement or on a final agreement. This exclusion does not apply to judgment against you, but we will not be liable liability that you would have to pay "limited for"limited covered pollution costs"that are not covered pollution costs" in the absence of payable under the terms of this Coverage Part or the contract or agreement. that are in excess of the applicable limit of 7. The following is added to SECTION II - WHO insurance. As used in this provision, an agreed IS AN INSURED: settlement means a settlement and release of liability signed by us, by you and by the claimant Paragraph 3. is the only part of this section that or the claimant's legal representative. applies to Section I - Coverage D. For the 10.The following is added to Paragraph 4., Other purposes of Coverage D, similar coverage as Insurance, of SECTION IV - COMMERCIAL used in Paragraph 3. of this section includes any GENERAL LIABILITY CONDITIONS: pollution liability coverage. 8. The following is added to SECTION III - LIMITS If valid and collectible other insurance is OF INSURANCE: available to you for a loss we cover under Coverage D of this Coverage Part, this insurance Subject to Paragraph 5. of Section III - Limits Of is excess over any of the other insurance, Insurance, the Sewage Back-Up Limit shown in whether primary, excess, contingent or on any the Schedule - Sewage Back-Up Limit is the other basis. most we will pay for the sum of: We will have no duty under Coverage D to a. Damages under Coverage A;and defend you against any "suit"if any other insurer b. Medical expenses under Coverage C; has a duty to defend you against that "suit". If no other insurer defends, we will undertake to do because of all "bodily injury" and "property so, but we will be entitled to your rights against damage" arising out of the discharge, release or all those other insurers. escape of sewage into one or more buildings. We will pay only our share of the amount of the If no amount is shown for the Sewage Back-Up loss,if any,that exceeds the sum of: Limit in that schedule,that limit will be: (1) The total amount that all such other a. $50,000 Each Occurrence;or insurance would pay for the loss in the b. The amount you purchased for that absence of this insurance;and coverage, if that amount is more than (2)The total of all deductible and self-insured $50,000. amounts under all such other insurance. For the purposes of any aggregate limit,the Each 11. The following is added to Paragraph 8., Occurrence Limit and the Sewage Back-Up Transfer Of Rights Of Recovery Against Limit, "limited covered pollution costs" under Others To Us, of SECTION IV - Coverage D will be deemed to be damages COMMERCIAL GENERAL LIABILITY because of "property damage" under Coverage CONDITIONS: A. With respect to "limited covered pollution 9. The following is added to Paragraph 3., Legal costs", if you have agreed in a contract or Action Against Us, of SECTION IV - agreement to waive your rights of recovery COMMERCIAL GENERAL LIABILITY against any person or organization,we waive our CONDITIONS: right of recovery against such person or With respect to "limited covered pollution organization, but only for payments we make costs", no person or organization has a right because of "limited covered pollution costs" under this Coverage Part: incurred for a discharge, release or escape of "pollutants" that commences abruptly after the a. To join us as a party or otherwise bring us execution of the contract or agreement. into a "suit" asking for "limited covered pollution costs"from you;or CG D4 77 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 4 of 6 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY 12. The following replaces the definition of "suit" in directors (if you are an organization the DEFINITIONS Section: other than a partnership, joint venture, "Suit"means a civil proceeding in which damages limited liability company or trust); because of "bodily injury", "property damage", (4)Any cost or expense for: "personal injury" or "advertising injury" to which (a)The repair, replacement, this insurance applies, or in which "limited enhancement, restoration or covered pollution costs" to which this insurance maintenance of any premises,site or applies,are alleged."Suit"includes: location which is or was at any time a. An arbitration proceeding in which such owned, occupied or managed by, or damages are claimed and to which the rented or loaned to,you;or insured must submit or does submit with (b)The prevention of injury to a person our consent; or damage to another's property; b. Any other alternative dispute resolution (5)Any cost or expense to test for,monitor, proceeding in which such damages are clean up,remove,contain,treat,detoxify claimed and to which the insured submits or neutralize, or assess the effects of, with our consent; "pollutants", if such work or operations c. An arbitration proceeding in which such began while such "pollutants" are or "limited covered pollution costs"are claimed were: and to which you must submit or do submit (a)At any premises, site or location with our consent;and which is or was at any time owned, d. Any other alternative dispute resolution occupied or managed by, or rented proceeding in which such "limited covered or loaned to,you; pollution costs" are claimed and to which (b)On or in personal property in your you submit with our consent. care,custody or control;or 13. The following is added to the DEFINITIONS (c) At that particular part of any Section: property that must be restored, "Hazardous properties", as used in the repaired or replaced because "your Amendment - Pollution Exclusion - Including work was incorrectly performed on Limited Pollution Costs Liability Coverage - it;or Public Entities Or Indian Tribes - Sewage (6)Any cost or expense to test for,monitor, Back-Up Coverage Included endorsement, clean up,remove,contain,treat,detoxify includes radioactive, toxic or explosive or neutralize, or assess the effects of, properties. "pollutants" on or in any of your "employees", after the actual, alleged or "Limited covered pollution costs": threatened absorption, ingestion or a. Means any cost or expense to test for, inhalation of such "pollutants" by any of monitor, clean up, remove, contain, treat, your "employees" arising out of and in detoxify or neutralize, or assess the effects the course of: of,"pollutants". (a) Employment by you;or b. Does not include: (b)Performing duties related to the (1) Any punitive or exemplary damages, or conduct of your business. the portion of any multiplied damage "Nuclear material", as used in the award that exceeds the amount Amendment - Pollution Exclusion - multiplied; Including Limited Pollution Costs Liability (2)Any statutory or administrative fine or Coverage - Public Entities Or Indian Tribes - penalty; Sewage Back-Up Coverage Included (3)Any salary of, or benefit for, any of your endorsement,includes: "employees", any of your partners or a. "Source material", "special nuclear members (if you are a partnership or material" or "by-product material", joint venture), any of your managers (if which have the meanings given them in you are a limited liability company), any the Atomic Energy Act of 1954 or in any of your trustees (if you are a trust), or law amendatory thereof;and any of your "executive officers" or CG D4 77 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 5 of 6 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY b. Naturally occurring radioactive material, b. Claim or suit by or on behalf of any including radium, potassium, thorium or governmental authority or any other uranium. person or organization because of "Pollution costs" means any loss, cost or testing for, monitoring, cleaning up, expense arising out of any: removing, containing, treating, detoxifying or neutralizing, or in any way a. Request, demand, order or statutory or responding to, or assessing the effects regulatory requirement that any insured of,"pollutants". or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to or assess the effects of,"pollutants";or CG D4 77 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 6 of 6 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY POLICY NUMBER: ZLP-91N68510-24-PB ISSUE DATE: 10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE ENDORSEMENT - LIMITS OF INSURANCE APPLY EXCESS OF DEDUCTIBLES - DEDUCTIBLES APPLY ONLY TO DAMAGES (AND LIMITED COVERED POLLUTION COSTS, IF APPLICABLE) - PUBLIC ENTITIES OR INDIAN TRIBES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE OF DEDUCTIBLES If no amount is shown for a deductible,that deductible does not apply. Coverage Amount of Deductible Bodily Injury Liability,including Limited Covered-Pollution $ Each Occurrence Costs Liability(if applicable),only Property Damage Liability,including Limited Covered $ Each Occurrence Pollution Costs Liability(if applicable),only Bodily Injury Liability and Property Damage Liability, $ Each Occurrence including Limited Covered Pollution Costs Liability(if applicable),combined Personal Injury Liability only $ Each Person or Organization Advertising Injury Liability only $ Each Person or Organization Personal Injury Liability and Advertising Injury Liability $ Each Person or combined Organization Bodily Injury Liability and Property Damage Liability, $ Each Occurrence combined - Failure To Supply Bodily Injury Liability and Property Damage Liability, $5,000 Each Occurrence Including Limited Covered Pollution Costs Liability(if applicable),combined -Sewage Back-up $ Total Deductible Important note: If the Total Deductible does not apply, you will be responsible for paying all applicable deductibles without further limitation,regardless of how often they apply. PROVISIONS 1. Our obligation: APPLICATION OF ENDORSEMENT(Enter below a. Under the Bodily Injury Liability, Property any limitations on the application of this Damage Liability, Personal Injury Liability endorsement. If no limitation is entered, each and Advertising Injury Liability Coverages to deductible for which an amount is shown in the pay damages on behalf of the insured;and Schedule Of Deductibles applies to all damages(and b. Under the Limited Covered Pollution Costs "limited covered pollution costs", if applicable) Liability Coverage (if applicable) to pay within that deductible,however caused): "limited covered pollution costs" on behalf of the Named Insured shown in the Declarations; applies only to the amount of damages (and "limited covered pollution costs", if applicable) in excess of any deductible amount shown in the CG D4 87 02 09 ©2009 The Travelers Companies, Inc. Page 1 of 3 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY Schedule Of Deductibles as applicable to such (2)Damages because of all "property coverages. damage";and 2. The deductible amount shown in the Schedule (3)"Limited covered pollution costs" (if Of Deductibles applies as follows: applicable); a. Under Bodily Injury Liability Coverage, arising out of any one"occurrence". including Limited Covered Pollution Costs Liability Coverage (if applicable), only,to the This deductible amount is not reduced by sum of all: the payment of any deductible amount under either of the following coverages: (1) Damages because of all "bodily injury"; and (1) Bodily Injury Liability and Property Damage Liability Coverage, combined - (2)"Limited covered pollution costs" (if Failure To Supply. applicable); (2)Bodily Injury Liability and Property arising out of any one"occurrence". Damage Liability Coverage, Including This deductible amount is not reduced by Limited Covered Pollution Costs Liability the payment of any deductible amount Coverage (if applicable), combined - under either of the following coverages: Sewage Back- up. (1) Bodily Injury Liability and Property d. Under Personal Injury Liability Coverage Damage Liability Coverage, combined - only,to all damages because of all "personal Failure To Supply. injury" sustained by any one person or (2)Bodily Injury Liability and Property organization. Damage Liability Coverage, Including e. Under Advertising Injury Liability Coverage Limited Covered Pollution Costs Liability only, to all damages because all of Coverage (if applicable), combined - "advertising injury" sustained by any one Sewage Back-up. person or organization. b. Under Property Damage Liability Coverage, f. Under Personal Injury Liability and including Limited Covered Pollution Costs Advertising Injury Liability Coverage Liability Coverage (if applicable), only,to the combined,to the sum of all: sum of all: (1) Damages because of all "personal (1) Damages because of all "property injury";and damage";and (2)Damages because of all "advertising (2)"Limited covered pollution costs" (if injury"; applicable); sustained by any one person or organization. arising out of any one"occurrence". g. Under Bodily Injury Liability and Property This deductible amount is not reduced by Damage Liability Coverage, combined - the payment of any deductible amount Failure To Supply,to the sum of all: under either of the following coverages: (1) Damages because of all"bodily injury"; (1) Bodily Injury Liability and Property (2)Damages because of all "property Damage Liability Coverage, combined - damage";and Failure To Supply. ( (3)"Limited covered pollution costs" (if 2)Bodily Injury Liability and Property applicable); Damage Liability Coverage, Including Limited Covered Pollution Costs Liability arising out of any one "occurrence" and the Coverage (if applicable), combined - failure of any insured to adequately supply Sewage Back- up. gas, oil, water, electricity or steam to one or C. Under Bodily Injury Liability and Property more persons or organizations. Damage Liability Coverage, including Limited h. Under Bodily Injury Liability and Property Covered Pollution Costs Liability Coverage Damage Liability Coverage, Including Limited (if applicable),combined,to the sum of all: Covered Pollution Costs Liability Coverage (1) Damages because of all"bodily injury"; (if applicable), combined - Sewage Back-up, to the sum of all: CG D4 87 02 09 ©2009 The Travelers Companies, Inc. Page 2 of 3 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY (1) Damages because of all"bodily injury"; 5. The following is added to the Transfer Of (2)Damages because of all "property Rights Of Recovery Against Others To Us damage";and Condition: (3)"Limited covered pollution costs" (if Any recoveries hereunder will be applied in the applicable); following order: arising out of any one "occurrence" and the a. Any interest(including the insured)that may discharge, release or escape of sewage into have paid any amount with respect to one or more buildings. liability in excess of the limit of our liability hereunder; i. The Total Deductible is the most that you will be responsible for paying for the b. Us for the amount paid hereunder;and combined total of all applicable deductibles. C. All other interests (including the insured), The Total Deductible applies separately to with respect to the residue,if any. each consecutive annual period and to any When we have elected to participate in the remaining period of less than 12 months, exercise of the insured's right of recovery, starting with the beginning of the policy reasonable expenses resulting therefrom will be period shown in the Declarations, unless the apportioned among all of the interests in the policy period is extended after issuance for ratio of their respective recoveries. an additional period of less than 12 months. In that case the additional period will be 6. We may pay any part or all of the deductible deemed part of the last preceding period for amount to effect payment of any claim or "suit" purposes of applying the Total Deductible. and you must promptly reimburse us from your own funds for such part of the deductible If no amount is shown for the Total amount as we have paid, regardless of any Deductible in the Schedule Of Deductibles, contributions toward payment of any claim or the Total Deductible does not apply, and you "suit"made by other insurers or any other entity, will be responsible for paying all applicable and regardless of any deductibles owed or paid deductibles without further limitation, by you to other insurers for the same regardless of how often they apply. "occurrence"or offense. 3. The terms of this insurance,including those with Only payments made by you will satisfy your respect to: obligation to reimburse us for payments we a. Our right and duty with respect to the make within the deductible amount. Your defense of"suits";and obligation to reimburse us for such payments made by us is not satisfied by contributions b. Your duties in the event of an "occurrence", made toward payment of any claim or "suit" by offense,claim or"suit"; other insurers or any other entity. apply irrespective of the application of the 7. If you fail to reimburse us for any amounts as deductible amount. required by this endorsement, we may cancel 4. The applicable limits of insurance (including this policy by mailing or delivering to the first aggregates) will not be reduced by the amount Named Insured written notice of cancellation at of any damages (or "limited covered pollution least 10 days before the effective date of costs" if applicable) within the deductible cancellation. amount. CG D4 87 02 09 ©2009 The Travelers Companies, Inc. Page 3 of 3 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY POLICY NUMBER: ZLP-91N68510-24-PB ISSUE DATE:10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - DESIGNATED ACTIVITIES OR OPERATIONS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE OF DESIGNATED ACTIVITIES OR OPERATIONS ❑X Airport, including any airfield, runway, hangar ❑ Hospital, nursing home, rehabilitation facility, terminal, or other property in connection with medical clinic or other type of medical facility aviation activities ❑ Housing project or authority ❑ Casino ❑ Manufacturing of: ❑ Construction consisting of ❑ Organized or sponsored racing or stunting ❑ Day care,day camp,nursery or similar facility activity or event involving wheeled vehicles, ❑ Electric distribution, including electric including skateboards or roller skates distribution-related services ❑ Port,harbor or terminal district ❑ Electric generation, including electric ❑ Retail or office complex consisting of: generation-related services ❑ Farming operations consisting of: ❑ Riding or care of saddle animals ❑ Rodeo arena ❑ Fire district or department ❑ School district or system ❑ Fireworks displays or exhibitions ❑ Sewer services, including sanitary sewer or ❑ Natural gas distribution, including natural gas storm sewer services distribution-related services ❑ Stables for boarding animals ❑ Natural gas mining or refining, including natural ❑ Transportation system gas mining-related and refining-related services ❑ Waterpark ❑ Guide services consisting of: ❑ Water utility, including water treatment distribution,other than sewer services ❑ Wind generation of power ❑ Halfway house, emergency shelter or other group home El CG D4 88 0217 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 3 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY PROVISIONS of your use of school premises for activities or 1. The following exclusion is added to Paragraph 2., operations, but only if such "bodily injury" or Exclusions, of SECTION I - COVERAGES - property damage does not arise out of: COVERAGE A BODILY INJURY AND (1) School activities or operations;or PROPERTY DAMAGE LIABILITY: (2)School-sponsored or school-related Designated Activities Or Operations activities or operations. "Bodily injury" or "property damage" arising out 2. The following exclusion is added to Paragraph 2., of any designated activities or operations Exclusions, of SECTION I - COVERAGES - indicated with an ❑X in the Schedule Of COVERAGE B PERSONAL INJURY AND Designated Activities Or Operations, including ADVERTISING INJURY LIABILITY: "bodily injury" or "property damage" arising out Designated Activities Or Operations of: "Personal injury" or "advertising injury" arising (1) Ownership, maintenance or use of any out of any designated activities or operations premises in any such designated activities or indicated with an ❑X in the Schedule Of operations; Designated Activities Or Operations, including (2)Any supervision, instruction, "personal injury" or "advertising injury" arising recommendations or advice given or which out of: should have been given in connection with (1) Ownership, maintenance or use of any any such designated activities or operations; premises in any such designated activities or (3)"Your products" manufactured or operations; distributed in any such designated activities (2)Any supervision, instruction, or operations;or recommendations or advice given or which (4)"Your work" performed anywhere related to should have been given in connection with any such designated activities or operations. any such designated activities or operations; If School district or system is indicated with an (3)"Your products" manufactured or ❑X in the Schedule Of Designated Activities Or distributed in any such designated activities Operations, this exclusion does not apply to or operations;or "bodily injury" or "property damage" arising out CG D4 88 0217 ©2017 The Travelers Indemnity Company.All rights reserved. Page 2 of 3 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY (4)"Your work" performed anywhere related to Operations, this insurance is excess over any any such designated activities or operations. other insurance, whether primary, excess, 3. The following is added to Paragraph 4.b., contingent or on any other basis, that is Excess Insurance, of SECTION IV - available to the insured for a loss we cover under COMMERCIAL GENERAL LIABILITY Coverage A that arises out of your use of school CONDITIONS: premises. If School district or system is indicated with an ❑X in the Schedule Of Designated Activities Or CG D4 88 0217 ©2017 The Travelers Indemnity Company.All rights reserved. Page 3 of 3 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COVERAGE C - MEDICAL PAYMENTS EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS Section I - Coverage C Medical Payments does not apply and none of the references to it in the Coverage Part or any endorsements attached thereto apply. GN 018211 03 ©2003 The Travelers Companies, Inc. Page 1 of 1 COMMERCIAL GENERAL LIABILITY POLICY NUMBER:ZLP-91N68510-24-PB ISSUE DATE:10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. STATUTORY CAP LIMIT OF INSURANCE ENDORSEMENT - IDAHO This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE OF STATUTORY CAP LIMITS Idaho Each Occurrence Statutory Cap Limit $500,000 PROVISIONS (2)That are subject to Idaho's statutory cap 1. The following is added to Paragraph 4. of on damages for governmental tort SECTION III - LIMITS OF INSURANCE: liability in Idaho Code Section 6-926 or any amendments to that section;and However, we will not apply the Personal and b. Damages under Coverage B: Advertising Injury Limit to damages for "personal injury" or "advertising injury" that are (1) Because of all "personal injury" and subject to Idaho's statutory cap on damages for "advertising injury" caused by one or governmental tort liability. Instead, we will apply more offenses that are determined to be the Idaho Each Occurrence Statutory Cap Limit, one occurrence or accident under Idaho shown in the Schedule of Statutory Cap Limit,to Code Section 6-926 or any amendments those damages. to that section;and 2. The following is added to Paragraph 5. of (2)That are subject to Idaho's statutory cap SECTION III - LIMITS OF INSURANCE: on damages for governmental tort Subject to the Each Occurrence Limit, the Idaho liability in Idaho Code Section 6-926 or Each Occurrence Statutory Cap Limit, shown in any amendments to that section. the Schedule of Statutory Cap Limit, is the most we will pay for the sum of: a. Damages under Coverage A: (1) Because of all "bodily injury" and "property damage" arising out of any one"occurrence"or accident;and CG F5 09 02 09 ©2009 The Travelers Companies,Inc. Page 1 of 1 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - EMPLOYEES AND VOLUNTEER WORKERS AS INSUREDS FOR CERTAIN BODILY INJURY, PERSONAL INJURY AND PROPERTY DAMAGE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following replaces Paragraph 2.a.(1)(a) of 2. The following replaces Paragraph 2.a.(2) of SECTION II -WHO IS AN INSURED: SECTION II -WHO IS AN INSURED: (1) "Bodily injury"or"personal injury"; (2)"Property damage"to property: (a)To you, to your partners or members (if (a)Owned,occupied or used by;or you are a partnership or joint venture), (b)Rented to,in the care,custody or control to your members (if you are a limited of,or over which physical control is being liability company), to your elected or exercised for any purpose by; appointed officials, "executive officers", you, any of your "employees" or "volunteer directors, or members of "your boards" workers", any of your partners or members (if you are a public entity), to a (if you are a partnership or joint venture), co-"employee"while in the course of his any of your members (if you are a limited or her employment or performing duties liability company), or any of your elected or related to the conduct of your business, appointed officials, "executive officers", or to your other "volunteer workers" directors, or members of "your boards" (if while performing duties related to the you are a public entity). conduct of your business; CG D4 70 02 09 © 2009 The Travelers Companies, Inc. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL GENERAL LIABILITY POLICY NUMBER:ZLP-91N68510-24-PB ISSUE DATE: 10/21/2024 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - LAW ENFORCEMENT ACTIVITIES OR OPERATIONS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE -ADDITIONAL EXCLUDED LAW ENFORCEMENT ACTIVITIES OR OPERATIONS PROVISIONS her duties for you as such "designated 1. The following exclusion is added to Paragraph 2., professional". Exclusions, of SECTION I - COVERAGES - 3. The following is added to the DEFINITIONS COVERAGE A BODILY INJURY AND Section: PROPERTY DAMAGE LIABILITY: "Law enforcement activities or operations": Law Enforcement Activities Or Operations a. Means: "Bodily injury" or "property damage" arising out (1) Any of the official activities or of"law enforcement activities or operations". operations of your police department or If a Professional Health Care And Social Services sheriff agency, including any Liability Coverage - Designated Professionals - moonlighting,secondary employment or Public Entities endorsement is included in this extra-duty assignment approved by policy, this exclusion does not apply to "bodily such department or agency; injury" or "property damage" arising out of (2)Any of the official activities or providing or failing to provide "described operations of your juvenile detention professional health care services" or center; "professional social services"by any"designated (3)Any of the official activities of your professional" acting within the scope of his or probation officers, parole officers, her duties for you as such "designated animal control officers or court security professional". officers;or 2. The following exclusion is added to Paragraph 2., (4)Any of the official activities or Exclusions, of SECTION I - COVERAGES - operations of any person or organization COVERAGE B PERSONAL INJURY AND shown in the Schedule - Additional ADVERTISING INJURY LIABILITY: Excluded Law Enforcement Activities Or Operations,if a person or organization is Law Enforcement Activities Or Operations shown in such schedule. "Personal injury" or "advertising injury" arising b. Includes: out of "law enforcement activities or (1) Ownership, maintenance or use of a operations". premises that you own,rent or borrow in If a Professional Health Care And Social Services order to conduct such activities or Liability Coverage - Designated Professionals - operations,other than a premises that is Public Entities endorsement is included in this not normally used for the conduct of policy,this exclusion does not apply to"personal such activities or operations; injury" or "advertising injury" arising out of (2)Ownership or operation of any of your providing or failing to provide "described jails, penal institutions, detention professional health care services" or centers or similar facilities; "professional social services"by any"designated (3)Providing first aid•or professional" acting within the scope of his or (4)Providing school security. CG D4 72 0217 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOBILE EQUIPMENT REDEFINED - PUBLIC ENTITIES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS b. Any other land vehicle that is subject to a 1. The following replaces Paragraph (5) of compulsory or financial responsibility law,or Exclusion g., Aircraft, Auto Or Watercraft, other motor vehicle insurance law, where it in Paragraph 2.of SECTION I - COVERAGES- is licensed or principally garaged, or would have been subject to such compulsory or COVERAGE A BODILY INJURY AND financial responsibility law, or other motor PROPERTY DAMAGE LIABILITY: vehicle insurance law, if you were not a (5)"Bodily injury" or "property damage" arising public entity;or out of: C. Any other land vehicle not described in (a)The operation of machinery or Paragraph a. or b. above that is designated equipment that is attached to,or part of, as a covered auto under your automobile a land vehicle that would qualify as liability insurance. "mobile equipment" under the definition of "mobile equipment" if such land However, "auto' does not include "mobile vehicle were not: equipment". (i) Subject to a compulsory or financial 3. The following replaces the last paragraph of the responsibility law, or other motor definition of "mobile equipment" in the vehicle insurance law, where it is DEFINITIONS Section: licensed or principally garaged;or However, "mobile equipment" does not include (ii) Designated as a covered auto under any land vehicle that is: your automobile liability insurance; (i) Subject to a compulsory or financial or responsibility law, or other motor vehicle (b)The operation of any of the machinery or insurance law, where it is licensed or equipment listed in Paragraph f.(2) or principally garaged, or would have been f.(3) of the definition of "mobile subject to such compulsory or financial equipment";or responsibility law, or other motor vehicle insurance law,if you were not a public entity; 2. The following replaces the definition of"auto" in (ii) Used solely on roads you own;or the DEFINITIONS Section: (iii)Designated as a covered auto under your "Auto"means: automobile liability insurance. a. A land motor vehicle, trailer or semitrailer Land vehicles described in Paragraphs(i), (ii)or designed for travel on public roads, including (iii)above are considered"autos". any attached machinery or equipment; CG D4 74 0419 ©2018 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - PROFESSIONAL HEALTH CARE SERVICES - PUBLIC ENTITIES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS technician, paramedic, coroner, physical therapist or physical therapy assistant, 1. The following exclusion is added to Paragraph 2., speech-language pathologist or speech Exclusions, of SECTION I - COVERAGES - therapy assistant, occupational therapist or COVERAGE A - BODILY INJURY AND occupational therapy assistant, PROPERTY DAMAGE LIABILITY: psychologist, counselor, therapist, social Professional Health Care Services worker or other health care professional;or "Bodily injury" or "property damage" arising out (2) "Good Samaritan services"by: of providing or failing to provide "professional (a)Any of your elected or appointed health care services". officials, "executive officers" or This exclusion does not apply to "bodily injury" directors; or"property damage"arising out of providing or (b) Any member of"your boards"; failing to provide "professional health care (c) Any of your "employees" or "volunteer services" by any of your "employees" or "volunteer workers", other than a nurse or workers ;or doctor, acting within the scope of his or her (d)Any person or organization that, with duties for you as an emergency medical your express or implied consent, either dispatcher or 911 operator. uses or is responsible for the use of a watercraft to which Coverage A- Bodily Unless you are in the business or occupation of Injury And Property Damage Liability providing "professional health care services", y p y g y this exclusion does not apply to "bodily injury" applies; arising out of providing or failing to provide: other than a doctor or nurse. (1) First aid by: If a Professional Health Care And Social Services Liability Coverage - Designated Professionals - (a)Any of your elected or appointed Public Entities endorsement is included in this officials, "executive officers" or policy, this exclusion does not apply to "bodily directors; injury" or "property damage" arising out of (b) Any members of"your boards"; providing or failing to provide "described professional health care services" by any (c) Any of your "employees" or "volunteer designated professional acting within the workers";or scope of his or her duties for you as such (d) Any person or organization that, with "designated professional". your express or implied consent, either If a Psychological Counseling Professional uses or is responsible for the use of a Liability - Colleges And Schools endorsement is watercraft to which Coverage A - Bodily included in this policy, this exclusion does not Injury And Property Damage Liability apply to "bodily injury" or "property damage" applies; arising out of providing or failing to provide other than a doctor,nurse,nursing assistant, "psychological counseling services". physician assistant, dental hygienist or assistant, optometrist, emergency medical CG D4 75 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 3 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY If a School Counseling Professional Liability 3. The following replaces the last paragraph of Coverage - Colleges And Schools endorsement Paragraph 2.a.(1) of SECTION II - WHO IS is included in this policy, this exclusion does not AN INSURED: apply to "bodily injury" or "property damage" arising out of providing or failing to provide Unless you are in the business or occupation of emotional counseling service, treatment, advice providing "professional health care services", or instruction as part of "school counseling Paragraphs (1)(a), (b), (c) and (d) above do services". not apply to "bodily injury" arising out of 2. The following exclusion is added to Paragraph providing or failing to provide: 2., Exclusions, of SECTION I - COVERAGES (a)First aid by any of your "employees" or - COVERAGE B - PERSONAL AND "volunteer workers", other than a doctor, ADVERTISING INJURY LIABILITY:. nurse, nursing assistant, physician assistant, dental hygienist or assistant, optometrist, Professional Health Care Services emergency medical technician, paramedic, "Personal and advertising injury" arising out of coroner, physical therapist or physical providing or failing to provide "professional therapy assistant speech-language pathologist or speech therapy assistant, health care services". occupational therapist or occupational This exclusion does not apply to "personal therapy assistant, psychologist, counselor, injury" arising out of providing or failing to therapist, social worker or other health care provide "professional health care services" by professional;or any of your"employees" or "volunteer workers", (b) "Good Samaritan services" by any of your other than a nurse or doctor, acting within the "employees" or "volunteer workers", other scope of his or her duties for you as an than a doctor or nurse. emergency medical dispatcher or 911 operator. Any such "employees" or "volunteer workers" If a Professional Health Care And Social Services providing or failing to provide first aid or "Good Liability Coverage - Designated Professionals - Samaritan services" during their work hours for Public Entities endorsement is included in this you will be deemed to be acting within the scope policy,this exclusion does not apply to"personal of their employment by you or performing duties and advertising injury" arising out of providing or related to the conduct of your business. failing to provide "described professional health care services" by any "designated professional" 4. The following is added to the DEFINITIONS acting within the scope of his or her duties for Section: you as such"designated professional". "Professional health care services"includes: If a Psychological Counseling Professional Liability - Colleges And Schools endorsement is a. Any medical, surgical, dental, laboratory, included in this policy, this exclusion does not x-ray or nursing services, treatment, advice apply to "personal and advertising injury" arising or instruction, or the related furnishing of out of providing or failing to provide food or beverages; "psychological counseling services". b. The furnishing or dispensing of drugs or If a School Counseling Professional Liability medical, dental or surgical supplies or Coverage - Colleges And Schools endorsement appliances; is included in this policy, this exclusion does not C. The handling or treatment of corpses, apply to "personal and advertising injury" arising including autopsies, organ donations and out of providing or failing to provide emotional other postmortem procedures; counseling service, treatment, advice or d. Any health or therapeutic service instruction as part of "school counseling treatment,advice or instruction; services". CG D4 75 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 2 of 3 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY e. Any service, treatment,advice or instruction g. The service by any person as a member of a for the purpose of appearance or skin formal accreditation, standards review, peer enhancement, hair removal or replacement review or equivalent professional board or or personal grooming; committee or member of any professional f. Any psychiatric, psychological or emotional organization or committee. counseling service, treatment, advice or instruction;and CG D4 75 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 3 of 3 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - PUBLIC USE OF PRIVATE PROPERTY This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2., 2. The following exclusion is added to Paragraph 2., Exclusions, of SECTION I - COVERAGES - Exclusions, of SECTION I - COVERAGES - COVERAGE A BODILY INJURY AND COVERAGE B PERSONAL AND PROPERTY DAMAGE LIABILITY: ADVERTISING INJURY LIABILITY: Public Use Of Private Property Public Use Of Private Property "Bodily injury" or "property damage" arising out "Personal injury" or "advertising injury" arising of the taking or controlling of private property out of the taking or controlling of private for public use or benefit, including the property for public use or benefit, including the diminution in value of such property, by diminution in value of such property, by condemnation, inverse condemnation, adverse condemnation, inverse condemnation, adverse possession, dedication by adverse use or any possession, dedication by adverse use or any other method or proceeding. other method or proceeding. CG D476 02 09 ©2009 The Travelers Companies, Inc. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION - WITH LIMITED EXCEPTION FOR BACTERIA IN SEWAGE BACK-UP This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS coverage as described in that endorsement. This 1. The following exclusion is added to Paragraph 2. exception does not apply if the same claim or of SECTION I - COVERAGES - COVERAGE legal proceeding in which that discharge, release or escape of sewage is alleged also alleges any A BODILY INJURY AND PROPERTY damages because of"bodily injury "or" property DAMAGE LIABILITY: damage",or any loss, cost or expenses,involving Fungi Or Bacteria "fungi"that is excluded by this exclusion. a. "Bodily injury" or "property damage" which 2. The following exclusion is added to Paragraph 2. would not have occurred, in whole or in part, of SECTION I - COVERAGES - COVERAGE but for the actual, alleged or threatened B- PERSONAL AND ADVERTISING INJURY inhalation of, ingestion of, contact with, LIABILITY: exposure to, existence of, or presence of, Fungi Or Bacteria any fungi or bacteria on or within a building or structure, including its contents, a. "Personal injury" or "advertising injury" regardless of whether any other cause, which would not have taken place, in whole event, material or product contributed or in part, but for the actual, alleged or concurrently or in any sequence to such threatened inhalation of, ingestion of, injury or damage. contact with, exposure to, existence of, or b. Any loss, cost or expenses arising out of the presence of any "fungi" or bacteria on or abating,testing for, monitoring, cleaning up, within a building or structure, including its removing, containing, treating, detoxifying, contents, regardless of whether any other neutralizing, remediating or disposing of, or cause, event, material or product in any way responding to, or assessing the contributed concurrently or in any sequence effects of, "fungi"or bacteria,by any insured to such injury. or by any other person or entity. b. Any loss, cost or expenses arising out of the This exclusion does not apply to any "fungi" or abating,testing for, monitoring, cleaning up, bacteria that are, are on, or are contained in, a removing, containing, treating, detoxifying, good or product intended for consumption. neutralizing, remediating or disposing of, or in any way responding to, or assessing the This exclusion also does not apply to any effects of, " fungi " or bacteria, by any bacteria that are, or are in, sewage that has insured or by any other person or entity. discharged,released or escaped into a building if 3. The following is added to the DEFINITIONS the discharge, release or escape of that sewage is covered by an Amendment - Pollution Section: Exclusion - Including Limited Pollution Costs "Fungi" means any type or form of fungus, Liability Coverage - Public Entities Or Indian including mold or mildew and any mycotoxins, Tribes endorsement included in this policy. A spores, scents or byproducts produced or separate limit of insurance applies to such released by fungi. CG D4 79 02 09 ©2009 The Travelers Companies, Inc. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. XTEND ENDORSEMENT FOR PUBLIC ENTITIES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART GENERAL DESCRIPTION OF COVERAGE - This endorsement broadens coverage. However, coverage for any injury, damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement to this Coverage Part, and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement.The following listing is a general coverage description only. Read all the provisions of this endorsement and the rest of your policy carefully to determine rights,duties,and what is and is not covered. A. Owned Watercraft-25 Feet Long Or Less F. Blanket Additional Insured - Persons Or B. Who Is An Insured - Public Entities, Elected Or Organizations For Your Ongoing Operations As Appointed Officials, And Members Of Your Required By Written Contract Or Agreement Boards G. Knowledge And Notice Of Occurrence Or C. Who Is An Insured - Employees And Volunteer Offense Workers H. Blanket Waiver Of Subrogation D. Who Is An Insured - Owners, Managers Or I. Contractual Liability- Railroads Lessors Of Premises J. Damage To Premises Rented To You E. Who Is An Insured - Lessors Of Leased Equipment PROVISIONS B. WHO IS AN INSURED - PUBLIC ENTITIES, A. OWNED WATERCRAFT - 25 FEET LONG ELECTED OR APPOINTED OFFICIALS, AND OR LESS MEMBERS OF YOUR BOARDS 1. The following is added to Exclusion g., 1. The following is added to Paragraph 1. of Aircraft, Auto Or Watercraft, in SECTION II -WHO IS AN INSURED: Paragraph 2.of SECTION I - COVERAGES If you are designated in the Declarations as a - COVERAGE A - BODILY INJURY AND public entity, you are an insured. Your PROPERTY DAMAGE LIABILITY: lawfully elected or appointed officials, This exclusion does not apply to a watercraft "executive officers" or directors are also you own that is: insureds, but only with respect to their (a)25 feet long or less;and duties as your elected or appointed officials, executive officers or directors. Members of (b)Not being used to carry any person or "your boards" are also insureds, but only property for a charge. with respect to their duties for you or "your 2. The following is added to Paragraph 2. of boards". However, none of these officials, SECTION II -WHO IS AN INSURED: "executive officers", directors or members Any person or organization that, with your are insureds for: express or implied consent, either uses or is a. "Bodily injury"or"personal injury": responsible for the use of a watercraft that (1) To you or to any of your"employees" you own that is: while in the course of his or her (1) 25 feet long or less;and employment or performing duties (2)Not being used to carry any person or related to the conduct of your property for a charge. business or to any of your "volunteer workers" while performing duties related to the conduct of your business; CG D4 80 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 4 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL GENERAL LIABILITY (2)To the spouse, child, parent, brother boards" providing or failing to provide or sister of that "employee" or first aid or "Good Samaritan services" "volunteer worker"as a consequence during their work hours for "your of Paragraph a.(1)above; boards" will be deemed to be acting (3)To any fellow elected or appointed within the scope of their duties for you official, "executive officer" or or"your boards". director, or fellow member of "your b. "Property damage"to property: boards"; (1) Owned,occupied or used by; (4)To the spouse, child, parent, brother (2)Rented to, in the care, custody or or sister of that fellow official, control of, or over which physical "executive officer", director or control is being exercised for any member as a consequence of purpose by; Paragraph a.(3)above;or you, any of your "employees" or (5)For which there is any obligation to "volunteer workers", or that official, share damages with or repay "executive officer",director or member. someone else who must pay Any of your lawfully elected or appointed damages because of the injury officials, "executive officers", directors or described in Paragraphs a.(1), (2), members of"your boards"appointed at your (3)or(4)above. request to serve with an outside tax - Unless you are in the business or exempt entity will be deemed to be acting occupation of providing "professional within the scope of their duties for you. health care services", Paragraphs a.(1), 2. The following replaces the first sentence of (2),(3),(4) and(5)above do not apply Paragraph 1.d. of SECTION II - WHO IS to"bodily injury"arising out of providing AN INSURED: or failing to provide: An organization other than a public entity, (1) First aid by any of your elected or partnership,joint venture or limited liability appointed officials, "executive company,you are an insured. officers" or directors, or any 3. The following is added to the DEFINITIONS members of "your boards", other Section: than a doctor, nurse, nursing "Indian tribe" means a tribe, band, pueblo, assistant,physician assistant,dental village or community of American Indians, or hygienist or assistant, optometrist, Alaska Natives, that has been recognized as emergency medical technician, an Indian tribe by the government of: paramedic, coroner, physical therapist or physical therapy a. The United States of America;or assistant, speech-language b. Any state in the United States of pathologist or speech therapy America. assistant, occupational therapist or "Joint powers authority" means any occupational therapy assistant, organization formed by two or more public psychologist, counselor, therapist, entities, or by a public entity and one or social worker or other health care more "Indian tribes", that have agreed in a professional;or contract or agreement to jointly exercise any (2)"Good Samaritan services" by any of power common to them. your elected or appointed officials, "Your boards": "executive officers" or directors, or a. Means any board, commission, or other any members of "your boards", governmental unit or department that: other than a doctor or nurse. Any such elected or appointed officials, (1) Is under your jurisdiction;and "executive officers" or directors (2)Is funded and operated as part of providing or failing to provide first aid or your total operating budget. "Good Samaritan services" during their b. Does not include any "joint powers work hours for you will be deemed to be authority". acting within the scope of their duties for you. Any such members of "your CG D4 80 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 2 of 4 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL GENERAL LIABILITY C. WHO IS AN INSURED - EMPLOYEES AND E. WHO IS AN INSURED - LESSORS OF VOLUNTEER WORKERS LEASED EQUIPMENT 1. The following replaces the first sentence of The following replaces Paragraph 5. of Paragraph 2.a. of SECTION II - WHO IS SECTION II -WHO IS AN INSURED: AN INSURED: 5. Any person or organization that is an Your "volunteer workers" only while equipment lessor is an insured,but only with performing duties related to the conduct of respect to liability for "bodily injury", your business, or your "employees", other "property damage" or "personal and than either your "executive officers" (if you advertising injury" caused, in whole or in are an organization other than a public part, by your acts or omissions in the entity, partnership, joint venture, or limited maintenance, operation or use by you of liability company) or your managers (if you equipment leased to you by such equipment are a limited liability company), but only for lessor. acts within the scope of their employment The insurance provided to such equipment by you or while performing duties related to lessor does not apply to any "bodily injury" the conduct of your business. or "property damage" that occurs, or 2. The following is added to Paragraph 2.a. of "personal and advertising injury" caused by SECTION II -WHO IS AN INSURED: an offense that is committed, after the Any of your "employees" appointed at your equipment lease expires. request to serve with an outside tax-exempt F. BLANKET ADDITIONAL INSURED - entity will be deemed to be acting within the PERSONS OR ORGANIZATIONS FOR scope of their employment by you or YOUR ONGOING OPERATIONS AS performing duties related to the conduct of REQUIRED BY WRITTEN CONTRACT OR your business. AGREEMENT D. WHO IS AN INSURED - OWNERS, The following is added to SECTION II - WHO MANAGERS OR LESSORS OF PREMISES IS AN INSURED: The following replaces Paragraph 4. of Any person or organization that is not otherwise SECTION II -WHO IS AN INSURED: an insured under this Coverage Part and that you 4. Any person or organization that is a have agreed in a written contract or agreement premises owner, manager or lessor is an to include as an additional insured on this insured, but only with respect to liability for Coverage Part is an insured, but only with "bodily injury", "property damage" or respect to liability for "bodily injury", "property "personal and advertising injury" that arises damage", or "personal and advertising injury" out of the ownership, maintenance or use of that: that part of any premises leased or loaned to a. Is "bodily injury" or "property damage" that you. occurs,or is"personal and advertising injury" The insurance provided to such premises caused by an offense that is committed, owner,manager or lessor does not apply to: subsequent to the signing of that contract or a. Any"bodily injury" or"property damage" agreement;and that occurs, or"personal and advertising b. Is caused, in whole or in part,by your acts or injury" caused by an offense that is omissions in the performance of your committed, after you cease to be a ongoing operations to which that contract or tenant in or to borrow that premises;or agreement applies or the acts or omissions b. Structural alterations, new construction of any person or organization performing or demolition operations performed by such operations on your behalf. or on behalf of such premises owner, The limits of insurance provided to such insured manager or lessor. will be the minimum limits that you agreed to provide in the written contract or agreement, or the limits shown in the Declarations, whichever are less. CG D4 80 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 3 of 4 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL GENERAL LIABILITY G. KNOWLEDGE AND NOTICE OF H. BLANKET WAIVER OF SUBROGATION OCCURRENCE OR OFFENSE The following is added to Paragraph 8., The following replaces Paragraphs 2.e.(1) and Transfer Of Rights Of Recovery Against 2.e.(2) of SECTION IV - COMMERCIAL Others To Us, of SECTION IV - GENERAL LIABILITY CONDITIONS: COMMERCIAL GENERAL LIABILITY (1) Notice to us of such "occurrence" or offense CONDITIONS: must be given as soon as practicable only If the insured has agreed in a contract or after the"occurrence" or offense is known to agreement to waive that insured's right of you (if you are an individual), any of your recovery against any person or organization, we lawfully elected or appointed officials, waive our right of recovery against such person "executive officers" or directors (if you are a or organization, but only for payments we make public entity), any of your partners or because of: members who is an individual (if you are a a. "Bodily injury" or "property damage" that partnership or joint venture), any of your occurs;or managers who is an individual (if you are a limited liability company), any of your b. "Personal and advertising injury" caused by "executive officers" or directors (if you are an offense that is committed; an organization other than a public entity, subsequent to the execution of the contract or partnership,joint venture or limited liability agreement. company), any of your trustees who is an I. CONTRACTUAL LIABILITY- RAILROADS individual (if you are a trust) or any 1. The following replaces Paragraph c. of the "employee" authorized by you to give notice definition of "insured contract" in the of an"occurrence"or offense. DEFINITIONS Section: (2)If you are a partnership, joint venture, limited liability company or trust, and none C. Any easement or license agreement; of your partners, joint venture members, 2. Paragraph f.(1) of the definition of "insured managers or trustees are individuals, notice contract" in the DEFINITIONS Section is to us of such "occurrence" or offense must deleted. be given as soon as practicable only after the J. DAMAGE TO PREMISES RENTED TO YOU "occurrence"or offense is known by: The following replaces the definition of (a)Any individual who is: "premises damage" in the DEFINITIONS (i) A lawfully elected or appointed Section: official, executive officer or director "Premises damage" means "property damage" of any public entity; to: (ii)A partner or member of any a. Any premises while rented to you or partnership orjoint venture; temporarily occupied by you with (iii)A manager of any limited liability permission of the owner;or company; b. The contents of any premises while such (iv)An executive officer or director of premises is rented to you, if you rent such any other organization;or premises for a period of seven or fewer (v)A trustee of any trust; consecutive days. that is your partner, joint venture member,manager or trustee;or (b)Any employee authorized by such partnership, joint venture, limited liability company, trust or other organization to give notice of an "occurrence"or offense. CG D4 80 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 4 of 4 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - VIOLATION OF CONSUMER FINANCIAL PROTECTION LAWS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 3. The following is added to the DEFINITIONS 1. The following exclusion is added to Paragraph 2., Section: Exclusions, of SECTION I - COVERAGES - "Consumer financial identity information" means COVERAGE A BODILY INJURY AND any of the following information for a person PROPERTY DAMAGE LIABILITY: that is used or collected for the purpose of serving as a factor in establishing such person's Violation Of Consumer Financial eligibility for personal credit, insurance or Protection Laws employment, or for the purpose of conducting a "Bodily injury" or "property damage" arising out business transaction: of any actual or alleged violation of a "consumer a. Part or all of the account number, the financial protection law", or any other "bodily expiration date or the balance of any credit, injury"or"property damage"alleged in any claim debit, bank or other financial account. or"suit"that also alleges any such violation. b. Information bearing on a person's credit 2. The following exclusion is added to Paragraph 2., worthiness, credit standing or credit Exclusions, of SECTION I - COVERAGES - capacity. COVERAGE B PERSONAL AND C. Social security number. ADVERTISING INJURY LIABILITY: d. Drivers license number. Violation Of Consumer Financial Protection Laws e. Birth date. "Personal injury" or "advertising injury" arising "Consumer financial protection law"means: out of any actual or alleged violation of a a. The Fair Credit Reporting Act (FCRA) and "consumer financial protection law", or any any of its amendments, including the Fair other "personal injury" or "advertising injury" and Accurate Credit Transactions Act alleged in any claim or "suit"that also alleges any (FACTA); such violation. b. California's Song-Beverly Credit Card Act and any of its amendments;or C. Any other law or regulation that restricts or prohibits the collection, dissemination, transmission, distribution or use of "consumer financial identity information". CG D618 10 11 ©2011 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 COMMERCIAL GENERAL LIABILITY POLICY NUMBER:ZLP-91N68510-24-PB ISSUE DATE:10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY UNMANNED AIRCRAFT EXCLUSION - WITH EXCEPTIONS FOR DESIGNATED AIRCRAFT AND CERTAIN ADVERTISING INJURY This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE OF INSURED UNMANNED AIRCRAFT Aircraft Operations or Projects DJI Mavic 2 Enterprise Pro FA3FLXACAM Fire Department Operations DJI Mavic Mini 2 FA3HE9PXFT DJI Mavic Mini 2 FA3HE9TRKL DJI Mavic Pro FA3FAW94RL PROVISIONS that insured, if the "occurrence" which caused 1. The following is added to Exclusion g.,Aircraft, the "bodily injury" or "property damage" involved the ownership, maintenance, use or Auto Or Watercraft, in Paragraph 2. of entrustment to others of any "unmanned SECTION I - COVERAGES - COVERAGE A aircraft". BODILY INJURY AND PROPERTY DAMAGE This exclusion does not apply to any "unmanned LIABILITY: aircraft" described in the Schedule Of Insured This exclusion also does not apply to any Unmanned Aircraft, but only with respect to any "unmanned aircraft". operation or project described for such aircraft 2. The following exclusion is added to Paragraph 2., in the Schedule Of Insured Unmanned Aircraft. Exclusions, of SECTION I - COVERAGES - 3. The following exclusion is added to Paragraph COVERAGE A BODILY INJURY AND 2., Exclusions, of SECTION I - COVERAGES PROPERTY DAMAGE LIABILITY: - COVERAGE B PERSONAL AND Unmanned Aircraft ADVERTISING INJURY LIABILITY: "Bodily injury" or "property damage" arising out Unmanned Aircraft of the ownership, maintenance, use or "Personal injury" or "advertising injury" arising entrustment to others of any "unmanned out of the ownership, maintenance, use or aircraft". Use includes operation and "loading or entrustment to others of any "unmanned unloading'. aircraft". Use includes operation and "loading or This exclusion applies even if the claims against unloading'. any insured allege negligence or other This exclusion applies even if the claims against wrongdoing in the supervision, hiring, any insured allege negligence or other employment,training or monitoring of others by wrongdoing in the supervision, hiring, CG D7 76 0116 © 2015 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. COMMERCIAL GENERAL LIABILITY employment,training or monitoring of others by (2)Any "unmanned aircraft" described in the that insured, if the offense which caused the Schedule Of Insured Unmanned Aircraft,but "personal injury" or "advertising injury" involved only with respect to any operation or project the ownership,maintenance,use or entrustment described for such aircraft in the Schedule Of to others of any"unmanned aircraft". Insured Unmanned Aircraft. This exclusion does not apply to: 4. The following is added to the DEFINITIONS Section: (1) Infringement of copyright, "title" or "slogan" "Unmanned aircraft" means an aircraft that is in your "advertisement", provided that the not designed, manufactured,or modified after it claim is made or the "suit" is brought by a is manufactured, to be controlled directly by a person or organization that claims ownership of such copyright, "title" or person from within or on the aircraft. "slogan";or CG D7 76 0116 © 2015 The Travelers Indemnity Company.All rights reserved. Page 2 of 2 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF INTELLECTUAL PROPERTY EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART The following replaces Exclusion L, Intellectual This exclusion applies regardless of whether the Property, in Paragraph 2. of SECTION I - allegation of infringement or violation of any of COVERAGES - COVERAGE B - PERSONAL these rights or laws is made by any person or AND ADVERTISING INJURY LIABILITY: organization making the claim or bringing the suit, by any insured or by any other party to the L Intellectual Property claim or suit. "Personal and advertising injury" arising out of This exclusion does not apply to: any actual or alleged infringement or violation of any of the following rights or laws, or any other (1) "Advertising injury" arising out of any actual "personal and advertising injury" alleged in any or alleged infringement or violation of claim or suit that also alleges any such another's copyright, "title" or "slogan" in infringement or violation: your"advertisement";or (1) Copyright; (2)Any other "personal and advertising injury" alleged in any claim or suit that also alleges (2)Patent; any such infringement or violation of (3)Trade dress; another's copyright, "title" or "slogan" in your"advertisement". (4)Trade name; (5)Trademark; (6)Trade secret;or (7) Other intellectual property rights or laws. CG D910 09 21 ©2021 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - PFAS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 2. The following exclusion is added to Paragraph 2., 1. The following exclusion is added to Paragraph 2., Exclusions, of SECTION I - COVERAGES - Exclusions, of SECTION I - COVERAGES - COVERAGE B - PERSONAL AND COVERAGE A - BODILY INJURY AND ADVERTISING INJURY LIABILITY: PROPERTY DAMAGE LIABILITY: PFAS PFAS (1) "Personal and advertising injury" arising out (1) "Bodily injury" or "property damage" arising of the actual or alleged presence or actual, out of the actual or alleged presence or alleged or threatened discharge, dispersal, actual, alleged or threatened discharge, seepage, migration, release, escape, dis ersal a migration, release ingestion, inhalation or absorption of, or P see p ge' g exposure to, "PFAS" or "PFAS- containing escape, ingestion, inhalation or absorption products", provided that the "personal and of, or exposure to, PFAS or PFAS-containing products", provided that the advertising injury„ is caused or contributed "bodily injury" or "property damage" is to by the hazardous properties of"PFAS". caused or contributed to by the hazardous (2)"Personal and advertising injury" arising out properties of"PFAS". of the actual or alleged presence or actual, (2)"Bodily injury" or "property damage" arising alleged or threatened discharge, dispersal, out of the actual or alleged presence or seepage, migration, release, escape, actual, alleged or threatened discharge, ingestion, inhalation or absorption of, or dispersal, seepage, migration, release, exposure to, any other solid, liquid, gaseous escape, ingestion, inhalation or absorption or thermal irritant or contaminant, including of, or exposure to, any other solid, liquid, smoke, vapors, soot, fumes, acids, alkalis, gaseous or thermal irritant or contaminant, chemicals and waste, and that is part of any includin smoke va ors soot fumes acids claim or suit which also alleges any g P "personal and advertising injury" described alkalis,chemicals and waste, and that is part of any claim or "suit" which also alleges any in Paragraph(1)above. "bodily injury" or "property damage" (3)Any loss,cost or expense arising out of any: described in Paragraph(1)above. (a) Request, demand, order or statutory or (3)Any loss,cost or expense arising out of any: regulatory requirement that any insured (a) Request, demand, order or statutory or or others test for, monitor, clean up, regulatory requirement that any insured remove, contain, treat, detoxify or or others test for, monitor, clean up, neutralize, or in any way respond to, or remove, contain, treat, detoxify or assess the effects of, PFAS or neutralize, or in any way respond to, or "PFAS-containing products";or assess the effects of, "PFAS" or (b)Claim or suit by or on behalf of a "PFAS-containing products";or governmental authority or any other (b)Claim or suit by or on behalf of a person or organization because of governmental authority or any other testing for, monitoring, cleaning up, person or organization because of removing, containing, treating, testing for, monitoring, cleaning up, detoxifying or neutralizing, or in any way removing' containing, treating, responding to, or assessing the effects d of, "PFAS" or "PFAS-containingetoxifying or neutralizing, or in any way products". responding to, or assessing the effects of, "PFAS" or "PFAS-containing products". CG D9 4109 22 ©2022 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 COMMERCIAL GENERAL LIABILITY 3. The following is added to SECTION V - "PFAS-containing products": DEFINITIONS: a. Means: "PFAS" means: (1) Any goods or products that contain or a. Any perfluoroalkyl or polyfluoroalkyl incorporate"PFAS"in any form;and substance, meaning any fluorinated (2)Containers, materials, parts or substance that contains at least one fully equipment furnished in connection with fluorinated methyl or methylene carbon any such goods or products. atom without any hydrogen, chlorine, bromine or iodine atom attached to it;or b. Includes: b. Any precursor, replacement, degradation or (1) Waranties or representations made at breakdown by-product of any substance any time with respect to the fitness, described in Paragraph a.above. quality,durability,performance or use of any such goods or products;and (2)The providing of or failure to provide warnings or instructions in connection with any such goods or products. CG D9 4109 22 ©2022 The Travelers Indemnity Company.All rights reserved. Page 2 of 2 TRAVELERS One Tower Square, Hartford,Connecticut 06183 LAW ENFORCEMENT LIABILITY POLICY NO.:ZLP-91N68510-24-PB COVERAGE PART DECLARATIONS ISSUE DATE:10/21/24 INSURING COMPANY: THE CHARTER OAK FIRE INSURANCE COMPANY POLICY PERIOD: From 10/01/24 to 10/01/25 12:01 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Law Enforcement Liability Coverage Part consists of these Declarations and the Coverage Form shown below. 1. COVERAGE AND LIMITS OF INSURANCE: LAW ENFORCEMENT LIABILITY COVERAGE FORM LIMITS OF INSURANCE Aggregate Limit $2,000,000 Each Wrongful Act Limit $1,000,000 2. DEDUCTIBLE: Each Wrongful Act Deductible $15,000 3. NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. SEE IL T8 01 PR TO 0102 09 Page 1 of 1 TRAVELERS One Tower Square, Hartford,Connecticut 06183 PUBLIC ENTITY MANAGEMENT LIABILITY POLICY NO.:ZLP-91N68510-24-P13 COVERAGE PART DECLARATIONS ISSUE DATE:10/21/24 THIS COVERAGE IS PROVIDED ON A CLAIMS-MADE BASIS INSURING COMPANY: THE CHARTER OAK FIRE INSURANCE COMPANY POLICY PERIOD: From 10/01/24 to 10/01/2512:01 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Public Entity Management Liability Coverage Part consists of these Declarations and the Coverage Form shown below. 1. COVERAGE AND LIMITS OF INSURANCE: PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE FORM LIMITS OF INSURANCE Aggregate Limit $2,000,000 Each Wrongful Act Limit $1,000,000 2. RETROACTIVE DATE: 02/16/1994 3. DEDUCTIBLE: Each Wrongful Act Deductible $10,000 4. NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. SEE IL T8 01 PR TO 03 02 09 © 2009 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 TRAVELERS One Tower Square, Hartford,Connecticut 06183 PUBLIC ENTITY EMPLOYMENT-RELATED PRACTICES POLICY NO.:ZLP-91N68510-24-PB LIABILITY COVERAGE PART DECLARATIONS ISSUE DATE:10/21/24 THIS COVERAGE IS PROVIDED ON A CLAIMS-MADE BASIS DEFENSE EXPENSES ARE PAYABLE WITHIN, AND ARE NOT IN ADDITION TO, THE LIMITS OF INSURANCE INSURING COMPANY: THE CHARTER OAK FIRE INSURANCE COMPANY POLICY PERIOD: From 10/01/24 to 10/01/2512:01 A.M.Standard Time at your mailing address shown in the Common Policy Declarations. The Public Entity Employment-Related Practices Liability Coverage Part consists of these Declarations and the Coverage Form shown below. 1. COVERAGE AND LIMITS OF INSURANCE: PUBLIC ENTITY EMPLOYMENT-RELATED PRACTICES LIMITS OF INSURANCE LIABILITY COVERAGE FORM Aggregate Limit $2,000,000 Each Wrongful Employment Practice Offense Limit $1,000,000 2. RETROACTIVE DATE: 02/16/1994 3. DEDUCTIBLE: Each Wrongful Employment Practice Offense Deductible $15,000 4. NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. SEE IL T8 01 PR TO 05 0215 ©2015 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 LAW ENFORCEMENT LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. (1) The "bodily injury", "property damage" Read the entire policy carefully to determine rights, or "personal injury" is caused by a duties and what is and is not covered. "wrongful act" committed by you or on Throughout this policy the words "you" and "your" your behalf while conducting "law refer to the Named Insured shown in the Common enforcement activities or operations"; Policy Declarations, and any other person or (2)The "wrongful act" is committed in the organization qualifying as a Named Insured under "coverage territory";and this policy. The words "we", "us" and "our" refer to (3)The "bodily injury", "property damage" the company providing this insurance. or "personal injury" occurs during the The word "insured" means any person or policy period. organization qualifying as such under Section II - Who Is An Insured. C. All "bodily injury", "property damage" or "personal injury" caused by the same The words "policy period" mean the Policy Period "wrongful act" or"related wrongful acts" will shown in the Declarations of this Coverage Part. be deemed to occur when the first part of Other words and phrases that appear in quotation such "bodily injury", "property damage" or marks have special meaning. Refer to Section VI - "personal injury"occurs. Definitions. d. Damages because of "bodily injury" include SECTION I - LAW ENFORCEMENT LIABILITY damages claimed by any person or COVERAGE organization for care, loss of services or 1. Insuring Agreement death resulting at any time from the "bodily a. We will pay those sums that the insured injury". becomes legally obligated to pay as e. Damages include the attorneys' fees of the damages because of "bodily injury", person or organization making a claim or "property damage" or "personal injury" to bringing a "suit" if such fees are awarded, or which this insurance applies. We will have paid in a settlement, for "bodily injury", the right and duty to defend the insured "property damage" or "personal injury" to against any claim or "suit" seeking those which this insurance applies. damages. However, we will have no duty to 2. Exclusions defend the insured against any claim or This insurance does not apply to: "suit" seeking damages because of "bodily injury", "property damage" or "personal a. Aircraft Or Auto injury" to which this insurance does not "Bodily injury", "property damage" or apply.We may,at our discretion, investigate "personal injury" arising out of the any "wrongful act" or claim and settle any ownership, maintenance, use or claim or"suit". But: entrustment to others of any aircraft or (1) The amount we will pay for damages is "auto" owned, operated or hired by, or limited as described in Section III - rented or loaned to, any insured. Use Limits Of Insurance;and includes operation and "loading or unloading". (2)Our right and duty to defend ends when This exclusion applies even if the claims we have used up the applicable limit of against any insured allege negligence or insurance in the payment of judgments other wrongdoing in the supervision, hiring, or settlements. employment, training or monitoring of We will have no other obligation or liability others by that insured, if the "wrongful act" to pay sums or perform acts or services which caused the "bodily injury", "property unless explicitly provided for under damage" or "personal injury" involved the Supplementary Payments. ownership, maintenance, use or b. This insurance applies to "bodily injury", entrustment to others of any aircraft or "property damage" and "personal injury" "auto" owned, operated or hired by, or only if: rented or loaned to,any insured. PR T104 02 09 ©2009 The Travelers Indemnity Company. Page 1 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. This exclusion does not apply to: c. Contractual Liability (1) Parking an"auto"on,or on the ways next "Bodily injury", "property damage" or to, premises you own or rent, provided "personal injury" for which the insured is that the "auto" is not owned by, or obligated to pay damages by reason of the rented or loaned to,you or the insured; assumption of liability in a contract or (2)"Bodily injury", "property damage" or agreement. "personal injury"arising out of: This exclusion does not apply to "bodily (a)The operation of machinery or injury", "property damage" or "personal equipment that is attached to, or injury" for which the insured would have part of, a land vehicle that would liability for damages without the contract or qualify as"mobile equipment" under agreement. the definition of"mobile equipment" d. Criminal, Dishonest, Fraudulent Or if such land vehicle were not: Malicious Wrongful Acts (i) Subject to a compulsory or "Bodily injury", "property damage" or financial responsibility law or "personal injury" arising out of any criminal, other motor vehicle insurance dishonest, fraudulent, or malicious law in the state where it is "wrongful act"committed: licensed or principally garaged; (1) By the insured;or or (2)With the consent or knowledge of the (ii) Designated as a covered auto insured. under your automobile liability This exclusion does not apply to our duty to insurance;or defend that insured until it has been (b)The operation of any of the determined or admitted in a legal machinery or equipment listed in proceeding that such "wrongful act" was Paragraph f.(2) or f.(3) of the committed: definition of"mobile equipment";or (1) By that insured;or (3)An aircraft chartered with a pilot to any (2)With the consent or knowledge of that insured.This exception does not apply if: insured. (a)The aircraft is owned by any insured; This exclusion also does not apply to or "personal injury" caused by malicious (b)Any insured is using the aircraft to prosecution. carry any person or property for a e. Damage To Property charge. "Property damage"to: b. Asbestos (1) Property you own, rent or occupy, "Bodily injury", "property damage" or including any costs or expenses incurred "personal injury" arising out of the actual or by you, or any other person or alleged presence or actual, alleged or organization, for repair, replacement, threatened dispersal of asbestos, asbestos enhancement, restoration or fibers or products containing asbestos, maintenance of such property for any provided that the injury or damage is caused reason, including prevention of injury to or contributed to by the hazardous a person or damage to another's properties of asbestos.This includes: property; (1) Any supervision, instructions, (2)Property loaned to you;or recommendations, warnings or advice (3)Personal property in the care,custody or given or which should have been given in connection with the above;and control of the insured. (2)Any obligation to share damages with or Paragraph (3) of this exclusion does not repay someone else who must pay apply to payments we make under damages because of such injury or Paragraph 8.of Supplementary Payments. damage. PR T104 02 09 ©2009 The Travelers Indemnity Company. Page 2 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. f. Employer's Liability h. Injunctive Relief "Bodily injury"to: Any loss, cost or expense arising out of (1) An"employee" of the insured arising out complying with any injunctive or other of and in the course of: non-monetary relief or any agreement to (a) Employment by the insured;or provide such relief. (b)Performing duties related to the L Injury To Volunteer Workers conduct of the insured's business;or "Bodily injury" or "personal injury" to any (2)The spouse, child, parent, brother or "volunteer worker" who is injured in the conduct of law enforcement activities or sister of that "employee" as a operations" within the scope of his or her consequence of"bodily injury" described duties for you. in Paragraph(1)above. j, Known Wrongful Acts This exclusion applies: "Bodily injury", "property damage" or (1) Whether the insured may be liable as an "personal injury" arising out of any "wrongful employer or in any other capacity;and act", including any part of "related wrongful (2)Whether the insured may have any acts", that any "described authorized obligation to share damages with or person" knew about before the first date we repay someone else who must pay or any of our affiliated insurance companies damages because of the injury. have continuously provided this or similar g. Employment-Related Practices coverage to you. "Bodily injury"or"personal injury"to: A "described authorized person" will be (1) A person arising out of any: deemed to know about a "wrongful act" at the earliest time when such described (a) Refusal to hire that person; authorized person": (b)Termination of that person's (1) Reports all, or any part, of the "wrongful employment, "temporary worker" act" to us or any provider of other status, "independent contractor" insurance; status, or "volunteer worker" status; (2)Receives a written or verbal demand or or claim for damages because of the (c) Other practice, policy, act or "wrongful act";or omission related to that person's (3)Becomes aware by any other means that employment, "temporary worker" all or any part, of the "wrongful act" has status, "independent contractor" been committed. status or "volunteer worker" status, such as coercion, demotion, k. Mobile Equipment evaluation, reassignment, discipline, "Bodily injury" or "property damage" arising defamation, harassment, out of: humiliation or discrimination (1) The transportation of "mobile directed at that person;or equipment" by an "auto" owned, (2)The spouse, child, parent, brother or operated or hired by,or rented or loaned sister of that person as a consequence of to,any insured;or "bodily injury" or "personal injury" (2)The use of "mobile equipment" in, or described in Paragraph(1)above. while in practice for, or while being This exclusion applies: prepared for, any prearranged racing, (1) Whether the insured may be held liable demolition,or stunting activity. as an employer or in any other capacity; and (2)Whether the insured may have any obligation to share damages with or repay someone else who must pay damages because of the injury. PR T104 02 09 ©2009 The Travelers Indemnity Company. Page 3 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. I. Nuclear Energy (d)At, on, in or from any premises, site "Bodily injury", "property damage" or or location at, on or in which any "personal injury" arising out of the insured or any contractors or "hazardous properties"of"nuclear material". subcontractors working directly or m. Pollution indirectly on any insured's behalf are performing law enforcement (1) "Bodily injury" or "property damage" activities or operations" if the arising out of the actual, alleged or "pollutants" are brought on, in or to threatened discharge, dispersal, the premises, site or location in seepage, migration, release or escape of connection with such activities or "pollutants": operations by such insured, (a)At, on, in or from any premises, site contractor or subcontractor. or location which is or was at any However, this subparagraph does time owned, occupied or managed not apply to: by, or rented or loaned to, any (i) "Bodily injury" or "property insured. However,this subparagraph damage" arising out of the does not apply to: escape of fuels, lubricants or (i) "Bodily injury"if sustained within other operating fluids which are a building and caused by smoke, needed to perform the normal fumes, vapor or soot produced electrical, hydraulic or by or originating from mechanical functions necessary equipment that is used to heat, for the operation of "mobile cool or dehumidify the building, equipment" or its parts, if such or produced by or originating fuels, lubricants or other from equipment that is used to operating fluids escape from a heat water for personal use by vehicle part designed to hold, the building's occupants or their store or receive them. This guests; exception does not apply if the (ii) "Bodily injury" or "property "bodily injury" or "property damage" arising out of heat, damage" arises out of the smoke or fumes from a "hostile intentional discharge, dispersal fire";or or release of the fuels,lubricants or other operating fluids, or if (iii)"Bodily injury" or "property such fuels, lubricants or other damage"arising out of the use of operating fluids are brought on, mace,pepper spray or tear gas; in or to the premises, site or (b)At, on, in or from any premises, site location with the intent that or location which is or was at any they be discharged, dispersed or time used by or for any insured or released as part of the others for the handling, storage, operations being performed by disposal, processing or treatment of such insured, contractor or waste; subcontractor; (c) If such "pollutants" are or were at (ii)"Bodily injury" or "property any time transported, handled, damage" sustained within a stored, treated, disposed of or building and caused by the processed as waste by or for: release of gases, fumes or (i) Any insured;or vapors from materials brought into that building in connection (ii)Any person or organization for with "law enforcement activities whom you may be legally or operations" being performed responsible; by you or on your behalf by a contractor or subcontractor; PR T104 02 09 ©2009 The Travelers Indemnity Company. Page 4 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. (iii)"Bodily injury" or "property This exclusion does not apply to "bodily damage" arising out of heat, injury", "property damage" or "personal smoke or fumes from a "hostile injury"arising out of: fire";or (1) The insured's providing or failing to (iv)"Bodily injury" or "property provide first aid; damage"arising out of the use of (2)The handling or treatment of corpses by mace, pepper spray or tear gas; an insured who is not a coroner, medical or examiner or pathologist;or (e)At, on, in or from any premises, site (3)The furnishing or dispensing of drugs, or or location at, on or in which any medical or dental supplies or appliances, insured or any contractors or by an insured who is not a medical subcontractors working directly or doctor or nurse. indirectly on any insured's behalf are or were at any time performing "law o. Workers' Compensation And Similar enforcement activities or Laws operations" to test for, monitor, Any obligation of the insured under a clean up, remove, contain, treat, workers' compensation, disability benefits detoxify or neutralize, or in any way or unemployment compensation law or any respond to, or assess the effects of, similar law. "pollutants". SUPPLEMENTARY PAYMENTS (2)"Personal injury" arising out of the We will pay, with respect to any claim we are actual, alleged or threatened discharge, investigating, any claim or "suit" we settle or any dispersal, seepage, migration, release or claim or"suit"against an insured we are defending: escape of "pollutants". However, this 1. All expenses we incur. paragraph does not apply to the use of mace,pepper spray or tear gas;or 2. The cost of bonds to release attachments, but (3)Any loss, cost or expense arising out of only for bond amounts within the applicable limit of insurance. We will not be the principal any: under these bonds, and we do not have to (a) Request,demand,order or statutory furnish these bonds. or regulatory requirement that any 3. All reasonable expenses incurred at our request insured or others test for, monitor, by the insured who is an individual to assist us in clean up, remove, contain, treat, the investigation or defense of the claim or detoxify or neutralize, or in any way "suit", including actual loss of earnings of up to respond to, or assess the effects of, "pollutants";or $500 a day by that individual because of time off from work. (b)Claim or "suit" by or on behalf of a 4. All costs taxed against the insured in the "suit" governmental authority because of for that part of the judgment we pay, except testing for, monitoring, cleaning up, attorneys' fees of the person or organization removing, containing, treating, bringing the"suit". detoxifying or neutralizing, or in any way responding to, or assessing the 5. Prejudgment interest awarded against the effects of,"pollutants". insured on that part of the judgment we pay. If n. Professional Health Care Services we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment "Bodily injury", "property damage" or interest based on that period of time after the "personal injury" arising out of the providing offer. or failing to provide"professional health care services". PR T104 02 09 ©2009 The Travelers Indemnity Company. Page 5 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. 6. All interest on the full amount of any judgment (1) To you, to a co-"employee" while in the that accrues after entry of the judgment and course of his or her employment or before we have paid, offered to pay or deposited performing duties related to the conduct in court the part of the judgment that is within of your business, or to your other the applicable limit of insurance. If we do not pay "volunteer workers" while performing part of the judgment for any reason other than it duties related to the conduct of your is more than the applicable limit of insurance, we business; will not pay any interest that accrues on that (2)To the spouse, child, parent, brother or portion of the judgment. sister of that co-"employee" or other 7. The cost of any required appeal bond for any "volunteer worker" as a consequence of judgment that we appeal, but only for bond injury described in Paragraph (1) above; amounts for that part of the judgment that is for or damages to which this insurance applies and (3)For which there is any obligation to which are within the applicable limit of share damages with or repay someone insurance. We will pay, or reimburse the insured for, the cost of a higher appeal bond amount if else who must pay damages because of we are required to do so under the law that injury described in Paragraph (1) or (2) above. applies. We will not be the principal under any appeal bond, and we do not have to furnish any b. Any legal representative of an insured that appeal bond. has died, or become mentally incompetent, 8. Up to $25,000 per policy period for physical insolvent or bankrupt, but only with respect damage to personal property that is in a to duties as such. That representative will person's possession at the time of his or her have all the rights and duties of such insured arrest and that is in the care, custody or control under this Coverage Part. of an insured at the time of such damage. The SECTION III - LIMITS OF INSURANCE Each Wrongful Act Deductible applies to this 1. The Limits of Insurance shown in the Supplementary Payment. Declarations of this Coverage Part and the rules These payments will not reduce the limits of below fix the most we will pay regardless of the insurance. number of: Our duty to make such payments ends when we have a. Insureds; used up the applicable limit of insurance in the b. Claims made or"suits"brought;or payment of judgments or settlements. SECTION II -WHO IS AN INSURED C. Persons or organizations making claims or bringing"suits". 1. If you are designated in the Common Policy The limits of insurance will not be reduced by the Declarations as a public entity, you are an payment of the applicable deductible amount. insured. Your lawfully elected or appointed 2. The Aggregate Limit is the most we will pay for officials "executive officers"or directors are also insureds but only with respect to their duties as the sum of all damages because of all "bodily „ injury","property damage"and"personal injury". your elected or appointed officials, executive officers"or directors. If no amount is shown for the Aggregate Limit in 2. Each of the following is also an insured: the Declarations of this Coverage Part, the Aggregate Limit will be the higher of the Each a. Your "volunteer workers", but only while Wrongful Act Limit or$100,000. performing duties related to the conduct of 3. Subject to Paragraph 2. above the Each your business, and your "employees", other Wrongful Act Limit is the most we will pay for than your lawfully elected or appointed the sum of all damages because of all "bodily officials, "executive officers" or directors, injury", "property damage" and "personal injury" but only for acts within the scope of their caused by the same "wrongful act" or "related employment by you or while performing wrongful acts". duties related to the conduct of your business. However, none of these "employees" or "volunteer workers" are insureds for "bodily injury" or "personal injury": PR T104 02 09 ©2009 The Travelers Indemnity Company. Page 6 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. The limits of insurance of this Coverage Part apply 7. If you do not reimburse us for a deductible separately to each consecutive annual period and to amount that applies to damages or "defense any remaining period of less than 12 months,starting expenses", and we are awarded the deductible with the beginning of the policy period, unless the amount we sought, or any part of that amount, policy period is extended after issuance for an in any legal proceeding against you, you agree to additional period of less than 12 months. In that pay us the amount of the award and the case,the additional period will be deemed to be part following: of the last preceding annual or remaining period for a. "Our deductible recovery expenses";and the purposes of determining the limits of insurance. b. Interest, from the date of our notice of SECTION IV- DEDUCTIBLE payment to you, on the deductible amount 1. The Each Wrongful Act Deductible shown in the awarded to us. Declarations of this Coverage Part and the rules SECTION V - LAW ENFORCEMENT LIABILITY below fix the amount of damages and "defense CONDITIONS expenses" incurred by, or on behalf of, you or any insured that you will be responsible for 1. Bankruptcy paying,regardless of the number of: Bankruptcy or insolvency of the insured or of the a. Insureds; insured's estate will not relieve us of our obligations under this Coverage Part. b. Claims made or"suits"brought;or 2. Duties In The Event Of A Wrongful Act, C. Persons or organizations making claims or Claim Or Suit bringing"suits". The Each Wrongful Act Deductible does not a. You must see to it that we are notified as apply to payments we make under soon as practicable of a"wrongful act"which Supplementary Payments, other than "defense may result in a claim.To the extent possible, expenses" and payments we make under notice should include: Paragraph S.of Supplementary Payments. (1) How,when and where the"wrongful act" 2. The Each Wrongful Act Deductible applies to all was committed; damages and "defense expenses" for all claims (2)The names and addresses of any persons or suits for bodily injury", property damage or organizations sustaining "bodily or "personal injury" caused by the same injury", "property damage" or "personal "wrongful act"or"related wrongful acts". injury", and the names and addresses of any witnesses; 3. The applicable limits of insurance will not be reduced by the amount of any damages or (3)The nature and location of any "bodily "defense expenses" within the deductible injury", "property damage" or "personal amount. injury"caused by the"wrongful act";and 4. The terms of this policy, including those with (4)The names and addresses of each respect to: insured that committed the "wrongful a. Our right and duty with respect to the act". defense of claims or"suits";and b. If a claim or"suit"is made or brought against b. Your duties in the event of a "wrongful act", any insured,you must: claim or"suit"; (1) Immediately record the specifics of the apply irrespective of the application of the claim or"suit"and the date received;and deductible amount. (2)Notify us as soon as practicable. 5. If we settle a claim or "suit"for damages, or pay You must see to it that we receive written a judgment for damages awarded in a"suit",that notice of the claim or "suit" as soon as are subject to a deductible,we may pay any part practicable. or all of the deductible amount. You will C. You and any other involved insured must: promptly reimburse us for such part of the deductible amount as we have paid. 6. If we pay "defense expenses"that are subject to a deductible, you will promptly reimburse us for such part of the deductible amount as we have paid. PR T104 02 09 ©2009 The Travelers Indemnity Company. Page 7 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. (1) Immediately send us copies of any 4. Other Insurance demands, notices, summonses or legal If valid and collectible other insurance is papers received in connection with the available to the insured for a loss we cover under claim or"suit"; this Coverage Part, our obligations are limited as (2)Authorize us to obtain records and other described in Paragraphs a.and b.below. information; As used anywhere in this Coverage Part, other (3)Cooperate with us in the investigation or insurance means insurance, or the funding of settlement of the claim or defense losses,that is provided by, through or on behalf against the claim or"suit";and of: (4)Assist us, upon our request, in the (i) Another insurance company; enforcement of any right against any (ii) Us or any of our affiliated insurance person or organization which may be companies; liable to the insured because of "bodily (iii)Any risk retention group; injury", "property damage" or "personal injury" to which this insurance may also (iv)Any self-insurance method or program, apply. including any failure to buy insurance, or d. No insured will,except at that insured's own decision to not buy insurance, for any cost, voluntarily make a payment, assume reason, in which case the insured will be any obligation, or incur any expense, other deemed to be the provider of other than for first aid,without our consent. insurance;or (v)Any similar risk transfer or risk management e. The following provision applies to Paragraph method. a. above, but only for the purposes of the Other insurance does not include umbrella insurance provided under this Coverage Part insurance, or excess insurance, that was bought to you or any insured listed in Paragraph 1. specifically to apply in excess of the Limits of or 2.of Section II -Who Is An Insured: Insurance shown in the Declarations of this Notice to us of such "wrongful act" must be Coverage Part. given as soon as practicable only after the a. Primary Insurance "wrongful act" is known by you or any "described authorized person". This insurance is primary. If any other insurance is also primary, we will share with 3. Legal Action Against Us all that other insurance by the method No person or organization has a right under this described in Paragraph b.below. Coverage Part: b. Method Of Sharing a. To join us as a party or otherwise bring us If all of the other insurance permits into a suit asking for damages from an insured;or contribution by equal shares, we will follow this method also. Under this approach each b. To sue us on this Coverage Part unless all of provider of insurance contributes equal its terms have been fully complied with. amounts until it has paid its applicable limit A person or organization may sue us to recover of insurance or none of the loss remains, on an agreed settlement or on a final judgment whichever comes first. against an insured, but we will not be liable for If any of the other insurance does not permit damages that are not payable under the terms contribution by equal shares, we will of this Coverage Part or that are in excess of the contribute by limits. Under this method,the applicable limit of insurance. As used in this share of each provider of insurance is based provision, an agreed settlement means a on the ratio of its applicable limit of settlement and release of liability signed by us, insurance to the total applicable limits of by the insured and by the claimant or the insurance of all providers of insurance. claimant's legal representative. PR T104 02 09 ©2009 The Travelers Indemnity Company. Page 8 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. 5. Premium Computation b. Then, if there is any amount remaining, we We will compute all premiums for this Coverage will retain an amount equal to the amount Part in accordance with our rules and rates. we have paid under this Coverage Part in 6. Representations connection with the claim or"suit". By accepting this policy,you agree: C. Finally, if there is any amount remaining, we a. The statements in the Declarations are will pay that amount to the insured, including any amounts within any applicable accurate and complete; deductible or self-insured retention. b. Those statements are based upon If any amounts are recovered in enforcing those representations you made to us;and rights of recovery,reasonable expenses incurred C. We have issued this policy in reliance upon in enforcing such rights will be shared among all your representations. persons or organizations receiving amounts The unintentional omission of, or unintentional recovered. Each such person's or organization's error in, any information provided by you which share of those expenses is based on the ratio of we relied upon in issuing this policy will not its amount recovered to the total amounts prejudice your rights under this insurance. recovered by all such persons or organizations in However,this provision does not affect our right enforcing such rights. to collect additional premium or to exercise our If the insured has agreed in a contract or rights of cancellation or nonrenewal in agreement to waive that insured's right of accordance with applicable insurance laws or recovery against any person or organization, we regulations. waive our right of recovery against such person 7. Separation Of Insureds or organization, but only for payments we make Except with respect to the limits of insurance because of "bodily injury", "property damage" or and any rights or duties specifically assigned in "personal injury" caused by a "wrongful act" this Coverage Part to the first Named Insured committed subsequent to the execution of the shown in the Common Policy Declarations, this contract or agreement. insurance applies: 9. When We Do Not Renew a. As if each Named Insured were the only If we decide not to renew this Coverage Part,we Named Insured;and will mail or deliver to the first Named Insured b. Separately to each insured against whom shown in the Common Policy Declarations written notice of the nonrenewal not less than claim is made or"suit"is brought. 30 days before the end of the policy period. 8. Transfer Of Rights Of Recovery Against If such notice is mailed, proof of mailing will be Others To Us sufficient proof of such notice. If the insured has rights to recover from others SECTION VI - DEFINITIONS all or part of any payment we have made under this Coverage Part in connection with a claim or 1. "Auto"means: "suit", those rights are transferred to us. The a. A land motor vehicle, trailer or semitrailer insured must do nothing after loss to impair designed for travel on public roads, including them. At our request, the insured will bring suit any attached machinery or equipment; or initiate an alternative dispute resolution b. Any other land vehicle that is subject to a proceeding to enforce those rights, or will compulsory or financial responsibility law or transfer those rights to us and help us enforce other motor vehicle insurance law in the them. state where it is licensed or principally We will apply any amounts recovered in garaged,or would have been subject to such enforcing those rights of recovery in the compulsory or financial responsibility law or following order: other motor vehicle insurance law if you a. First, we will reimburse any person or were not a public entity;or organization (including us or the insured) any amount that person or organization has paid in excess of the limits of insurance. PR T104 02 09 ©2009 The Travelers Indemnity Company. Page 9 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. C. Any other land vehicle not described in (b)Expert medical or other testimony; Paragraph a. or b. above that is designated (C) Autopsy; as a covered auto under your automobile liability insurance. (d)Witnesses and summonses; 2. "Bodily injury" means any harm, including (e)Copies of documents such as birth sickness or disease, to the health of other and death certificates and medical persons, including mental anguish, injury or treatment records; illness,or emotional distress. ( Arbitration fees; 3. "Coverage territory"means: (g) Fees or costs for surveillance or a. The United States of America (including its other professional investigations territories and possessions) Puerto Rico which are conducted as part of and Canada; handling of a claim or"suit";and b. All other countries or jurisdictions in the (h)Fees or costs for loss prevention and world, except the "prohibited area", if the engineering personnel, and fees or "bodily injury", "property damage" or costs for rehabilitation nurses or "personal injury"arises out of: other nurses, for services which are (1) The "law enforcement activities or conducted as part of handling of a claim or"suit". operations" of a person whose home is in the territory described in Paragraph a. b. Does not include: above, but is away for a short time on (1) Our expenses, including salaries, your business;or overhead and traveling expenses of our (2)Any "wrongful act" committed through employees, except for those fees, costs the Internet or other electronic means of or expenses described in Paragraphs communication;or a.(1) and a.(2) above incurred while C. International waters or airspace, unless the handling a claim or"suit";or "wrongful act" is committed in the course of (2)Fees paid to independent claims travel or transportation to, from or within professionals or attorneys (hired to the"prohibited area"; perform the function of claim provided that the insured's responsibility to pay investigation normally performed by damages is determined in a "suit" on the merits claim adjusters), for developing and investigating a claim so that a brought in the territory described in Paragraph determination can be made of the cause, a.above or in a settlement we agree to. extent or responsibility for the injury, 4. "Defense expenses": disease or damage, including evaluation a. Means any of the following fees, costs or and settlement of covered claims. expenses which can be directly allocated to a 5. "Described authorized person"means: particular claim or"suit": a. Any of your elected or appointed officials, (1) Fees of attorneys, or other authorized "executive officers"or directors;or representatives where permitted, for b. Your risk manager, or any leader of your legal services, whether by outside or legal, finance, risk management or other staff representatives;or department that is responsible for insurance (2)Court,alternative dispute resolution and matters. other specific items of expense,whether 6. "Electric personal assistive mobility devices" incurred by an outside vendor or by one means any self-balancing device designed to of our employees,including; transport only one person with a maximum (a)Medical examinations of a claimant speed of 30 miles per hour. to determine the extent of our liability, degree of permanency, or length of disability; PR T104 02 09 ©2009 The Travelers Indemnity Company. Page 10 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. 7. "Employee" includes a "leased worker". 14. "Loading or unloading" means the handling of "Employee" does not include a "temporary property: worker"or a prisoner employed by any insured. a. After it is moved from the place where it is 8. "Executive officer" means a person holding any accepted for movement into or onto an of the officer positions created by your charter, aircraft or"auto"; constitution, by-laws or any other similar b. While it is in or on an aircraft or"auto";or governing document. C. While it is being moved from an aircraft or 9. "Hazardous properties" includes radioactive, "auto" to the place where it is finally toxic or explosive properties. delivered. 10."Hostile fire" means a fire that becomes "Loading or unloading" does not include the uncontrollable or breaks out from where it was movement of property by means of a mechanical intended to be. device, other than a hand truck, that is not 11. "Independent contractor" means any person attached to the aircraft or"auto". who is not the insured's"employee", "temporary 15. "Moonlighting" means any secondary worker" or "volunteer worker", but who employment, or extraduty assignment, performs duties related to the conduct of the approved by your police department, sheriff insured's business because of a contract or agency or other public safety organization that agreement between the insured and that person enforces the law and protects persons or for specified services. property. 12. "Law enforcement activities or operations": 16. "Mobile equipment" means any of the following a. Means any of the official activities or types of land vehicles, including any attached operations of your police department, machinery or equipment: sheriff agency or other public safety a. Bulldozers, farm machinery, forklifts, organization, other than a fire district or "electric personal assistive mobility devices" department, that enforces the law and and other vehicles designed for use protects persons or property;and principally off public roads; b. Includes: b. Vehicles maintained for use solely on or next (1) Ownership, maintenance or use of a to premises you own or rent; premises that you own,rent or borrow in C. Vehicles that travel on crawler treads; order to conduct such activities or d. Vehicles, whether self-propelled or not, operations; maintained primarily to provide mobility to (2)Ownership or operation of any of your permanently mounted: jails, penal institutions or similar (1) Power cranes, shovels, loaders, diggers facilities; or drills;or (3)Providing first aid at the time of an (2)Road construction or resurfacing accident,crime or medical emergency; equipment such as graders, scrapers or (4)Providing school security;and rollers; (5)"Moonlighting". e. Vehicles not described in Paragraph a., b.,C. 13. "Leased worker" means a person hired from a or d. above that are not self-propelled and labor leasing firm under an agreement between are maintained primarily to provide mobility the hirer and that firm to perform duties related to permanently attached equipment of the to the conduct of the hirer's business. However, following types: "leased worker" does not include a "temporary worker". PR T104 02 09 ©2009 The Travelers Indemnity Company. Page 11 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. (1) Air compressors, pumps and generators, C. By-product material. including spraying, welding, building 18. "Our deductible recovery expenses" means all cleaning, geophysical exploration, fees, costs and expenses incurred by us and our lighting and well servicing equipment;or attorneys to recover a deductible amount in a (2)Cherry pickers and similar devices used legal proceeding brought by us against you. But to raise or lower workers;or if the deductible amount awarded to us is less f. Vehicles not described in Paragraph a., b.,c. than the full amount of the deductible payment or d.above that are maintained primarily for we sought, "our deductible recovery expenses" purposes other than the transportation of will be a proportional amount based on the ratio any person or cargo. of the deductible amount awarded to the full However, self-propelled vehicles with the amount of the deductible payment we sought. following types of permanently attached 19. "Personal injury" means injury, other than equipment are not "mobile equipment" but "bodily injury", caused by one or more of the will be considered"autos": following offenses: (1) Equipment designed primarily for: a. False arrest,detention or imprisonment; (a)Snow removal; b. Malicious prosecution; (b)Road maintenance, but not C. The wrongful eviction from, wrongful entry construction or resurfacing;or into, or invasion of the right of private (c) Street cleaning; occupancy of a room, dwelling or premises that a person occupies, provided that the (2)Cherry pickers and similar devices wrongful eviction, wrongful entry or invasion mounted on automobile or truck chassis of the right of private occupancy is and used to raise or lower workers;and committed by or on behalf of the owner, (3)Air compressors, pumps and generators, landlord or lessor of that room, dwelling or including spraying, welding, building premises; cleaning, geophysical exploration, d. Oral or written publication, including lighting and well servicing equipment. publication by electronic means, of material However, "mobile equipment" does not include that slanders or libels a person or any land vehicles that are: organization or disparages a person's or (i) Subject to a compulsory or financial organization's goods, products or services, responsibility law or other motor vehicle provided that the claim is made or the "suit" insurance law in the state where it is licensed is brought by a person or organization that or principally garaged, or would have been claims to have been slandered or libeled, or subject to such compulsory or financial that claims to have had its goods, products responsibility law or other motor vehicle or services disparaged; insurance law if you were not a public entity; e. Oral or written publication, including (ii) Used solely on roads you own;or publication by electronic means, of material (iii)Designated as a covered auto under your that: automobile liability insurance. (1) Appropriates a person's name, voice, Land vehicles described in Paragraph (i), ii or photograph or likeness; (iii)above are considered"autos". ( ) (2)Unreasonably places a person in a false 17. "Nuclear material" means any of the following light;or materials defined in the Federal Atomic Energy (3)Discloses information about a person's Act or any of its amendments: private life; a. Source material; f. False or improper service of process;or b. Special nuclear material;or PR T104 02 09 ©2009 The Travelers Indemnity Company. Page 12 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. g. Violation of civil rights protected under any b. Loss of use of tangible property of others federal,state or local law. that is not physically damaged. All such loss 20."Pollutants" means any solid, liquid, gaseous or of use will be deemed to occur at the time of thermal irritant or contaminant, including the"wrongful act"that caused it. smoke, vapor, soot, fumes, acids, alkalis, For the purposes of this insurance, data, chemicals and waste. Waste includes materials including information, facts or programs in any to be recycled,reconditioned or reclaimed. electronic or other format, is not tangible 21. "Professional health care services"includes: property. a. Any medical, surgical, dental, laboratory, 24."Related wrongful acts" means two or more x-ray or nursing services, treatment, advice "wrongful acts" that have as a common or instruction, or the related furnishing of connection, tie or link any fact, circumstance, food or beverages; situation, event, transaction, cause, or series of b. The furnishing or dispensing of drugs or related facts, circumstances, situations, events, medical, dental or surgical supplies or transactions or causes. appliances; 25."Suit" means a civil proceeding that seeks C. The handling or treatment of corpses, damages."Suit"includes: including autopsies, organ donations and a. An arbitration proceeding that seeks other postmortem procedures; damages and to which the insured must d. Any health or therapeutic service, submit or submits with our consent;and treatment,advice or instruction; b. Any other alternative dispute resolution e. Any service, treatment,advice or instruction proceeding that seeks damages and to which for the purpose of appearance or skin the insured submits with our consent. enhancement, hair removal or replacement 26."Temporary worker" means a person who is or personal grooming; hired to substitute for a permanent "employee" f. Any psychiatric, psychological or emotional on leave or to meet seasonal or short-term counseling service, treatment, advice or workload conditions. instruction;or 27. "Volunteer worker"means a person,other than a g. The service by any person as a member of a prisoner,who: formal accreditation, standards review, peer a. Is not acting within the scope of his or her review or equivalent professional board or employment as an "employee" or committee or member of any professional "temporary worker"; organization or committee. b. Donates his or her work; and c. Is not paid a 22."Prohibited area" means any country or fee, salary or other compensation for that jurisdiction while any trade sanction,embargo or work. similar regulation imposed by the United States C. Is not paid a fee, salary or other of America applies to and prohibits the compensation for that work. transaction of business with or within such 28."Wrongful act"means any act,error or omission. country orjurisdiction. 23."Property damage"means: a. Physical damage to tangible property of others, including all resulting loss of use of that property. All such loss of use will be deemed to occur at the time of the physical damage that caused it;or PR T104 02 09 ©2009 The Travelers Indemnity Company. Page 13 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. PUBLIC ENTITY MANAGEMENT LIABILITY PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE FORM THIS INSURANCE PROVIDES CLAIMS-MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage. unless explicitly provided for under Read the entire policy carefully to determine rights, Supplementary Payments. duties and what is and is not covered. b. This insurance applies to loss only if: Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Common (1) The loss is caused by a "wrongful act" Policy Declarations and any other person or committed while conducting duties by or organization qualifying as a Named Insured under on behalf of you or"your boards"; this policy. The words "we", "us" and "our" refer to (2)The "wrongful act" is committed in the the company providing this insurance. "coverage territory"; The word "insured" means any person or (3)The "wrongful act" was not committed organization qualifying as such under Section II - before the Retroactive Date shown in Who Is An Insured. the Declarations of this Coverage Part or The words "policy period" mean the Policy Period after the end of the policy period;and shown in the Declarations of this Coverage Part. (4)A claim or "suit" by a person or Other words and phrases that appear in quotation organization that seeks damages marks have special meaning. Refer to Section VII - because of the loss is first made or Definitions. brought against any insured, in SECTION I - PUBLIC ENTITY MANAGEMENT accordance with Paragraph C. below, during the policy period or any Extended LIABILITY COVERAGE Reporting Period we provide under 1. Insuring Agreement Section VI - Extended Reporting Periods. a. We will pay those sums that the insured becomes legally obligated to pay as C. A claim or "suit" by a person or organization damages because of loss to which this that seeks damages will be deemed to have insurance applies. We will have the right and been first made or brought against any duty to defend the insured against any claim insured at the earlier of the following times: or "suit" seeking those damages. However, (1) When we or any "described authorized we will have no duty to defend the insured person" first receives written notice of against any claim or "suit" seeking damages such claim or"suit",whichever is first;or because of loss to which this insurance does (2)When we first receive written notice not apply. We may, at our discretion, from any insured of a specific "wrongful investigate any wrongful act or claim and act" that caused the loss which resulted settle any claim or"suit". But: in such claim or"suit". (1) The amount we will pay for damages is All claims or "suits" that seek damages limited as described in Section III - because of loss caused by the same Limits Of Insurance;and "wrongful act" or"related wrongful acts" will (2)Our right and duty to defend ends when be deemed to have been first made or we have used up the applicable limit of brought against any insured at the time the insurance in the payment of judgments first of those claims or"suits"is first made or or settlements. brought against any insured. We will have no other obligation or liability to pay sums or perform acts or services PR T106 02 09 © 2009 The Travelers Indemnity Company Page 1 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PUBLIC ENTITY MANAGEMENT LIABILITY d. A claim or "suit" by a person or organization (4)Housing authorities; that seeks damages will be deemed to have (5)Port authorities; been first made or brought at the time we receive written notice from any insured of a (6)Schools or school districts;or specific "wrongful act" only if that notice (7)Transit authorities. contains all of the following information: (1) How,when and where the"wrongful act" b. Breach Of Contract was committed; Loss arising out of a breach of contract. (2)The names and addresses of any persons This exclusion does not apply to loss arising or organizations sustaining loss, and the out of the breach of a mutual aid agreement. names and addresses of any witnesses; c. Claims Or Suits By Insureds Against (3)The nature and location of any loss Insureds caused by the"wrongful act";and Loss for which a claim is made or "suit" is (4)The names and addresses of each brought by or on behalf of any current or insured that committed the "wrongful former insured against any current or former act". insured. Notice to us that: d. Complaint Or Enforcement Action (1) All or part of one or more of any Loss arising out of any complaint, insured's acts or omissions may in the enforcement action, claim or "suit" brought future be discovered to be a "wrongful by or on behalf of any federal, state or local act";or governmental regulatory or enforcement (2)Any insured may in the future receive agency against any insured. written notice of a "wrongful act", claim e. Contractual Liability or"suit"; Loss for which the insured is obligated to pay is not notice of a specific"wrongful act". damages by reason of the assumption of e. If no Retroactive Date is shown in the liability in a contract or agreement. Declarations of this Coverage Part, the This exclusion does not apply to loss for Retroactive Date will be deemed to be the which the insured would have liability for first day of the policy period. damages without the contract or agreement. f. Each "wrongful act" in a series of "related f. Criminal, Dishonest, Fraudulent, Or wrongful acts" will be deemed to have been Malicious Wrongful Acts Or Knowing committed on the date the first "wrongful Violations Of Rights Or Laws act"in that series is committed. Loss arising out of any criminal, dishonest, 2. Exclusions fraudulent, or malicious "wrongful act", or This insurance does not apply to: any knowing violation of rights or laws, committed: a. Boards, Commissions, Or (1) By the insured;or Governmental Units Or Departments (2)With the consent or knowledge of the Loss arising out of any activities or insured. operations of the following boards, commissions, or governmental units or This exclusion does not apply to our duty to departments: defend that insured until it has been (1) Airports; determined or admitted in a legal proceeding that such wrongful act or (2)Electric or gas utilities; knowing violation was committed: (3)Health care facilities, including clinics, (1) By that insured;or hospitals, nursing homes, rehabilitation (2)With the consent or knowledge of that facilities or blood banks; insured. PR T106 02 09 © 2009 The Travelers Indemnity Company Page 2 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PUBLIC ENTITY MANAGEMENT LIABILITY g. Debt Financing m. Intellectual Property Loss arising out of any type of debt financing Loss arising out of any actual or alleged issued by you or on your behalf, including infringement or violation of any of the bonds, debentures, guarantees of debt or following rights or laws: notes. (1) Copyright; h. Employee Benefit Plans (2)Patent; Loss arising out of the administration of,the conduct of any fiduciary duty for, or the (3)Trade dress; performance of or failure to perform any act (4)Trade name; or obligation related to any actual or (5)Trade secret; proposed: (1) Benefit plan or trust; (6)Trademark;or (2)Stock option, stock subscription or (7) Other intellectual property rights or stock ownership plan;or laws. (3)Compensation plan; n. Investments operated by you or on your behalf for the Loss arising out of the purchase, sale, benefit of any current,former or prospective issuance or distribution of, or offer to "employee"or"independent contractor". purchase or sell, any debt or equity securities or other investments. L Employment-Related Practices o. Known Wrongful Acts "Employment loss"to: Loss arising out of any "wrongful act", (1) A person arising out of a "wrongful including any part of"related wrongful acts", employment practice offense";or that any "described authorized person" (2)The spouse, child, parent, brother or knew about before the first date we or any of sister of that person as a consequence of our affiliated insurance companies have loss described in Paragraph(1)above. continuously provided this or similar coverage to you. This exclusion applies: A "described authorized person" will be (1) Whether the insured may be held liable deemed to know about a "wrongful act" at as an employer or in any other capacity; the earliest time when such "described and authorized person": (2)Whether the insured may have any (1) Reports all, or any part, of the "wrongful obligation to share damages with or act" to us or any provider of other repay someone else who must pay insurance; damages because of the loss. (2)Receives a written or verbal demand or j. Injunctive Relief claim for damages because of the Any loss, cost or expense arising out of "wrongful act";or complying with any injunctive or other (3)Becomes aware by any other means that non-monetary relief or any agreement to all, or any part, of the "wrongful act" has provide such relief. been committed. k. Injury Or Damage p. Law Enforcement Activities Or "Bodily injury", "property damage", Operations "personal injury"or"advertising injury". Loss arising out of "law enforcement I. Insurance activities or operations". Loss arising out of the failure to obtain or This exclusion does not apply to harm to any maintain any type or amount of insurance, of your current or former "independent including any type of bond, self-insurance contractors" in connection with their method or program, or any similar risk "independent contractor"status. transfer or risk management method. PR T106 02 09 © 2009 The Travelers Indemnity Company Page 3 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PUBLIC ENTITY MANAGEMENT LIABILITY q. Multiplied Damages condemnation, adverse possession, The portion of any multiplied damage award dedication by adverse use or any other that exceeds the amount multiplied. method or proceeding. r. Network And Information Security z. Taxes Liability Loss arising out of the improper Loss arising out of a "network and administration or collection of taxes, or loss information security wrongful act". that reflects any tax obligation. s. Nuclear Energy aa. Unlawful Personal Gains Loss arising out of the "hazardous Loss arising out of any insured's personal properties"of"nuclear material". profit, advantage or compensation to which that insured is not legally entitled. t. Pollution bb.Workers' Compensation And Similar Loss arising out of the actual, alleged or Laws threatened discharge, dispersal, seepage, migration,release or escape of"pollutants". Any obligation of the insured under a workers' compensation, disability benefits u. Pollution-Related or unemployment compensation law or any Any loss,cost or expense arising out of any: similar law. (1) Request, demand, order, or statutory or SUPPLEMENTARY PAYMENTS regulatory requirement that any insured We will pay, with respect to any claim we are or others test for, monitor, clean up, investigating, any claim or "suit" we settle or any remove, contain, treat, detoxify or claim or"suit"against an insured we are defending: neutralize, or in any way respond to, or assess the effects of,"pollutants";or 1. All expenses we incur. (2)Claim or "suit" by or on behalf of a 2. The cost of bonds to release attachments, but governmental authority because of only for bond amounts within the applicable testing for, monitoring, cleaning up, limit of insurance. We will not be the principal removing, containing, treating, under these bonds, and we do not have to detoxifying or neutralizing, or in any way furnish these bonds. responding to, or assessing the effects 3. All reasonable expenses incurred at our request of,"pollutants". by the insured who is an individual to assist us in v. Professional Health Care Services the investigation or defense of the claim or Loss arising out of providing or failing to "suit", including actual loss of earnings of up to provide"professional health care services". $500 a day by that individual because of time off from work. w. Sexual Harassment Loss arising out of any: 4. All costs taxed against the insured in the "suit", but only for that part of the judgment we pay. (1) Unwelcome sexual advance; 5. Prejudgment interest awarded against the (2)Request for any sexual favor;or insured on that part of the judgment we pay. If (3)Other verbal, visual or physical conduct we make an offer to pay the applicable limit of of a sexual nature. insurance, we will not pay any prejudgment interest based on that period of time after the x. Strikes, Riots, Demonstrations Or Civil offer. Commotions 6. All interest on the full amount of any judgment Loss arising out of any strike, riot, protest, that accrues after entry of the judgment and demonstration,lock-out or civil commotion. before we have paid, offered to pay or deposited y. Taking Of Private Property For Public in court the part of the judgment that is within Use Or Benefit the applicable limit of insurance. If we do not pay part of the judgment for any reason other than it Loss arising out of the taking or controlling is more than the applicable limit of insurance, we of private property for public use or benefit, will not pay any interest that accrues on that including the diminution in value of such portion of the judgment. property, by condemnation, inverse PR T106 02 09 © 2009 The Travelers Indemnity Company Page 4 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PUBLIC ENTITY MANAGEMENT LIABILITY 7. The cost of any required appeal bond for any appointed at your request to serve with an judgment that we appeal, but only for bond outside tax exempt entity will be deemed to be amounts for that part of the judgment that is for acting within the scope of their duties for you. damages to which this insurance applies and SECTION III - LIMITS OF INSURANCE which are within the applicable limit of insurance. We will pay, or reimburse the insured 1. The Limits of Insurance shown in the for, the cost of a higher appeal bond amount if Declarations of this Coverage Part and the rules we are required to do so under the law that below fix the most we will pay regardless of the applies. We will not be the principal under any number of: appeal bond, and we do not have to furnish any a. Insureds; appeal bond. These payments will not reduce the limits of b. Claims made or"suits"brought;or insurance. C. Persons or organizations making claims or Our duty to make such payments ends when we have bringing"suits". used up the applicable limit of insurance in the The limits of insurance will not be reduced by the payment of judgments or settlements. payment of the applicable deductible amount. SECTION II -WHO IS AN INSURED 2. The Aggregate Limit is the most we will pay for 1. If you are designated in the Common Policy the sum of all damages for the combined total of Declarations as a public entity, you are an all claims or"suits"for loss. insured. "Your boards" are also insureds. Your If no amount is shown for the Aggregate Limit in lawfully elected or appointed officials,"executive the Declarations of this Coverage Part, the officers" or directors are also insureds, but only Aggregate Limit will be the higher of the Each with respect to their duties as your elected or Wrongful Act Limit or$100,000. appointed officials, "executive officers" or 3. Subject to Paragraph 2. above, the Each directors. Wrongful Act Limit is the most we will pay for 2. Each of the following is also an insured: the sum of all damages for all claims or "suits" for loss caused by the same "wrongful act" or a. Your "volunteer workers", but only while "related wrongful acts". performing duties related to the conduct of your business, and your "employees", but The limits of insurance of this Coverage Part apply only for acts within the scope of their separately to each consecutive annual period and to employment by you or while performing any remaining period of less than 12 months,starting duties related to the conduct of your with the beginning of the policy period, unless the business. policy period is extended after issuance for an additional period of less than 12 months. In that b. Members of "your boards", but only for the case,the additional period will be deemed to be part conduct of their duties for you or for "your of the last preceding annual or remaining period for boards". "Employees" of "your boards" are the purposes of determining the limits of insurance. also insureds, but only for work done within the scope of their employment by "your SECTION IV- DEDUCTIBLE boards", or their performance of duties 1. The Each Wrongful Act Deductible shown in the related to the conduct of the operations of Declarations of this Coverage Part and the rules "your boards". below fix the amount of damages and "defense C. Any legal representative of an insured that expenses" incurred by, or on behalf of, you or has died, or become mentally incompetent, any insured that you will be responsible for insolvent or bankrupt, but only with respect paying,regardless of the number of: to duties as such. That representative will a. Insureds; have all the rights and duties of such insured under this Coverage Part. b. Claims made or"suits"brought;or 3. Any of your lawfully elected or appointed C. Persons or organizations making claims or officials, "executive officers", directors or bringing"suits". "employees", or any members of"your boards", PR T106 02 09 © 2009 The Travelers Indemnity Company Page 5 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PUBLIC ENTITY MANAGEMENT LIABILITY The Each Wrongful Act Deductible does not a. You must see to it that we are notified as apply to payments we make under soon as practicable of a"wrongful act"which Supplementary Payments, other than "defense may result in a claim.To the extent possible, expenses". notice should include: 2. The Each Wrongful Act Deductible applies to all (1) How,when and where the"wrongful act" damages and "defense expenses" for all claims was committed; or "suits" for loss caused by the same "wrongful act"or"related wrongful acts". (2)The names and addresses of any persons or organizations sustaining loss, and the 3. The applicable limits of insurance will not be names and addresses of any witnesses; reduced by the amount of any damages or "defense expenses" within the deductible (3)The nature and location of any loss caused by the"wrongful act";and amount. 4. The terms of this policy, including those with (4)The names and addresses of each respect to: insured that committed the "wrongful act". a. Our right and duty with respect to the „ b. If a claim or"suit"is made or brought against defense of claims or"suits";and any insured,you must: b. Your duties in the event of a "wrongful act", claim or"suit"; (1) Immediately record the specifics of the apply irrespective of the application of the claim or"suit"and the date received;and deductible amount. (2)Notify us as soon as practicable. 5. If we settle a claim or "suit"for damages, or pay You must see to it that we receive written a judgment for damages awarded in a"suit",that notice of the claim or "suit" as soon as are subject to a deductible,we may pay any part practicable. or all of the deductible amount. You will C. You and any other involved insured must: promptly reimburse us for such part of the deductible amount as we have paid. (1) Immediately send us copies of any demands, notices, summonses or legal 6. If we pay "defense expenses"that are subject to papers received in connection with the a deductible, you will promptly reimburse us for claim or"suit"; such part of the deductible amount as we have paid. (2)Authorize us to obtain records and other 7. If you do not reimburse us for a deductible information; amount that applies to damages or "defense (3)Cooperate with us in the investigation or expenses", and we are awarded the deductible settlement of the claim or defense amount we sought, or any part of that amount, against the claim or"suit";and in any legal proceeding against you, you agree to (4)Assist us, upon our request, in the pay us the amount of the award and the enforcement of any right against any following: person or organization which may be a. "Our deductible recovery expenses";and liable to the insured because of loss to b. Interest, from the date of our notice of which this insurance may also apply. payment to you, on the deductible amount d. No insured will,except at that insured's own awarded to us. cost, voluntarily make a payment, assume SECTION V - PUBLIC ENTITY MANAGEMENT any obligation, or incur any expense without LIABILITY CONDITIONS our consent. 1. Bankruptcy e. The following provision applies to Paragraph a. above, but only for the purposes of the Bankruptcy or insolvency of the insured or of the insurance provided under this Coverage Part insured's estate will not relieve us of our to you or any insured listed in Paragraph 1. obligations under this Coverage Part. or 2.of Section II -Who Is An Insured: 2. Duties In The Event Of A Wrongful Act, Claim Or Suit PR T106 02 09 © 2009 The Travelers Indemnity Company Page 6 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PUBLIC ENTITY MANAGEMENT LIABILITY Notice to us of such "wrongful act" must be This insurance is primary except when given as soon as practicable only after the Paragraph b. below applies. If any other "wrongful act" is known by you or any insurance is also primary, we will share with "described authorized person". all that other insurance by the method 3. Legal Action Against Us described in Paragraph C.below. No person or organization has a right under this b. Excess Insurance Coverage Part: This insurance is excess over any of the other a. To join us as a party or otherwise bring us insurance, whether primary, excess, into a "suit" asking for damages from an contingent or on any other basis, that is insured;or available to"your boards",members of"your boards"or"employees"of"your boards". b. To sue us on this Coverage Part unless all of its terms have been fully complied with. When this insurance is excess, we will have no duty to defend the insured against any A person or organization may sue us to recover claim or "suit" if any provider of other on an agreed settlement or on a final judgment insurance has a duty to defend the insured against an insured, but we will not be liable for against that claim or "suit". If no provider of damages that are not payable under the terms other insurance defends, we will undertake of this Coverage Part or that are in excess of the to do so, but we will be entitled to the applicable limit of insurance. As used in this insured's rights against all those providers of provision, an agreed settlement means a other insurance. settlement and release of liability signed by us, by the insured and by the claimant or the When this insurance is excess over other claimant's legal representative. insurance, we will pay only our share of the amount of the loss, if any, that exceeds the 4. Other Insurance sum of: If valid and collectible other insurance is (1) The total amount that all such other available to the insured for a loss we cover under insurance would pay for the loss in the this Coverage Part, our obligations are limited as absence of this insurance;and described in Paragraphs a.and b.below. (2)The total of all deductible and As used anywhere in this Coverage Part, other self-insured amounts under all such insurance means insurance, or the funding of other insurance. losses,that is provided by, through or on behalf of: We will share the remaining loss, if any, with any other insurance that is not described in (i) Another insurance company; this Excess Insurance provision. (ii) Us or any of our affiliated insurance c. Method Of Sharing companies; If all of the other insurance permits (iii)Any risk retention group; contribution by equal shares, we will follow (iv)Any self-insurance method or program, this method also. Under this approach each including any failure to buy insurance, or provider of insurance contributes equal decision to not buy insurance, for any amounts until it has paid its applicable limit reason, in which case the insured will be of insurance or none of the loss remains, deemed to be the provider of other whichever comes first. insurance;or If any of the other insurance does not permit (v)Any similar risk transfer or risk management contribution by equal shares, we will contribute by limits. Under this method,the method. share of each provider of insurance is based Other insurance does not include umbrella on the ratio of its applicable limit of insurance, or excess insurance, that was bought insurance to the total applicable limits of specifically to apply in excess of the Limits of insurance of all providers of insurance. Insurance shown in the Declarations of this 5. Premium Computation Coverage Part. a. Primary Insurance We will compute all premiums for this Coverage Part in accordance with our rules and rates. PR T106 02 09 © 2009 The Travelers Indemnity Company Page 7 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PUBLIC ENTITY MANAGEMENT LIABILITY 6. Representations will pay that amount to the insured, By accepting this policy,you agree: including any amounts within any applicable a. The statements in the Declarations are deductible or self-insured retention. accurate and complete; If any amounts are recovered in enforcing those b. Those statements are based upon rights of recovery,reasonable expenses incurred representations you made to us;and in enforcing such rights will be shared among all persons or organizations receiving amounts C. We have issued this policy in reliance upon recovered. Each such person's or organization's your representations. share of those expenses is based on the ratio of The unintentional omission of, or unintentional its amount recovered to the total amounts error in, any information provided by you which recovered by all such persons or organizations in we relied upon in issuing this policy will not enforcing such rights. prejudice your rights under this insurance. If the insured has agreed in a contract or However,this provision does not affect our right agreement to waive that insured's right of to collect additional premium or to exercise our recovery against any person or organization, we rights of cancellation or nonrenewal in waive our right of recovery against such person accordance with applicable insurance laws or or organization, but only for payments we make regulations. because of loss caused by a "wrongful act" 7. Separation Of Insureds committed subsequent to the execution of the Except with respect to the limits of insurance, contract or agreement. and any rights or duties specifically assigned in 9. When We Do Not Renew this Coverage Part to the first Named Insured If we decide not to renew this Coverage Part,we shown in the Common Policy Declarations, this will mail or deliver to the first Named Insured insurance applies: shown in the Common Policy Declarations a. As if each Named Insured were the only written notice of the nonrenewal not less than Named Insured;and 30 days before the end of the policy period. b. Separately to each insured against whom If such notice is mailed, proof of mailing will be claim is made or"suit"is brought. sufficient proof of such notice. 8. Transfer Of Rights Of Recovery Against SECTION VI - EXTENDED REPORTING Others To Us PERIODS If the insured has rights to recover from others 1. We will provide one or more Extended Reporting all or part of any payment we have made under Periods, as described below, if this Coverage this Coverage Part in connection with a claim or Part is canceled or not renewed, or replaced or "suit", those rights are transferred to us. The renewed by us with insurance that applies on insured must do nothing after loss to impair other than a claims-made basis. them. At our request, the insured will bring suit 2. Extended Reporting Periods do not extend the or initiate an alternative dispute resolution proceeding to enforce those rights, or will policy period or change the scope of coverage transfer those rights to us and help us enforce provided.They apply only to claims or"suits" for them. loss caused by a "wrongful act" committed We will apply any amounts recovered in before the end of the policy period and after the Retroactive Date. enforcing those rights of recovery in the following order: Once in effect, Extended Reporting Periods may not be canceled. a. First, we will reimburse any person or 3. A Basic Extended Reporting Period is organization (including us or the insured) any amount that person or organization has automatically provided without additional paid in excess of the limits of insurance. charge. This period starts with the end of the policy period and lasts for 90 days. b. Then, if there is any amount remaining, we The Basic Extended Reporting Period does not will retain an amount equal to the amount apply to claims or "suits" that you purchase, or we have paid under this Coverage Part in that would be covered under such insurance but connection with the claim or"suit". for the exhaustion of its applicable limit of C. Finally, if there is any amount remaining, we insurance. PR T106 02 09 © 2009 The Travelers Indemnity Company Page 8 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PUBLIC ENTITY MANAGEMENT LIABILITY 4. The Basic Extended Reporting Period does not b. Regarding web-sites, only that part of a reinstate or increase the limits of insurance. web-site that is about your goods, products 5. A Supplemental Extended Reporting Period of or services for the purposes of attracting 12 months is available, but only by an customers or supporters is considered an endorsement and for an extra charge. This advertisement. supplemental period replaces the Basic 2. "Advertising injury" means injury, other than Extended Reporting Period. "personal injury", caused by one or more of the The Supplemental Extended Reporting Period following offenses: will not go into effect unless we receive all of the a. Oral or written publication, including following within 90 days after the end of the publication by electronic means, of material policy period and you have fulfilled all other in your "advertisement" that slanders or duties, and complied with all other conditions libels a person or organization or disparages and requirements,under this policy: a person's or organization's goods,products a. A written request from you to purchase the or services, provided that the claim is made Supplemental Extended Reporting Period or the "suit" is brought by a person or Endorsement; organization that claims to have been b. Full payment of the earned premium for this slandered or libeled, or that claims to have policy; had its goods, products or services C. Payment of the additional premium for the disparaged; Supplemental Extended Reporting Period b. Oral or written publication, including Endorsement;and publication by electronic means, of material d. Repayment of any deductible you owe us in your"advertisement"that: under this policy. (1) Appropriates a person's name, voice, We will determine the additional premium for photograph or likeness; that endorsement in accordance with our rules (2)Unreasonably places a person in a false and rates. The additional premium will not light;or exceed 75% of the annual premium for this Coverage Part. (3)Discloses information about a person's This endorsement will set forth the terms, not private life;or inconsistent with this Section VI - Extended c. Infringement of copyright, "title" or "slogan" Reporting Periods, applicable to the in your "advertisement", provided that the Supplemental Extended Reporting Period, claim is made or the "suit" is brought by a including a provision to the effect that the person or organization that claims insurance afforded for claims or "suits" first ownership of such copyright, "title" or made or brought against any insured during such "slogan". period is excess over any valid and collectible 3. "Authorized user" includes your customer, other insurance available under insurance in force after the Supplemental Extended supplier or supporter. Reporting Period starts. 4. "Bodily injury"means: 6. The Supplemental Extended Reporting Period a. Physical harm, including sickness or disease, does not reinstate or increase the limits of sustained by a person;or insurance. b. Mental anguish, injury or illness, or SECTION VII - DEFINITIONS emotional distress, resulting at any time 1. "Advertisement" means a notice that is from such physical harm,sickness or disease. broadcast or published to the general public or 5. "Computer virus" means malicious code that is specific market segments about your goods, introduced through your web-site or "your products or services for the purpose of computer or communications network". Once attracting customers or supporters. For the introduced, such code may destroy, alter, purposes of this definition: contaminate or degrade the integrity, quality or a. Notices that are published include material performance of data of any computer placed on the Internet or on similar application software, computer network, or electronic means of communication;and computer operating system or related network. PR T106 02 09 © 2009 The Travelers Indemnity Company Page 9 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PUBLIC ENTITY MANAGEMENT LIABILITY 6. "Coverage territory"means: (2)Fees paid to independent claims a. The United States of America (including its professionals or attorneys (hired to perform the function of claim territories and possessions), Puerto Rico and Canada; investigation normally performed by claim adjusters), for developing and b. All other countries or jurisdictions in the investigating a claim so that a world except the"prohibited area";or determination can be made of the cause C. International waters or airspace, unless the or extent of, or responsibility for, the "wrongful act" is committed in the course of loss,including evaluation and settlement travel or transportation to, from or within of covered claims. the"prohibited area"; 8. "Described authorized person"means: provided that the insured's responsibility to pay a. Any of your elected or appointed damages is determined in a "suit" on the merits officia Is,"executive officers"or directors; brought in the territory described in Paragraph a.above or in a settlement we agree to. b. Any member of"your boards";or 7. "Defense expenses": C. Your risk manager, or any leader of your legal, finance, risk management or other a. Means any of the following fees, costs or department that is responsible for insurance expenses which can be directly allocated to a matters. particular claim or"suit": 9. "Discrimination" means any violation of a (1) Fees of attorneys, or other authorized person's rights with respect to: representatives where permitted, for a. That person,s race, color, national origin, legal services, whether by outside or staff representatives;or religion, gender, marital status, age, sexual orientation,or physical or mental disability; (2)Court,alternative dispute resolution and other specific items of expense,whether b. Any other class or characteristic afforded incurred by an outside vendor or by one rights under any federal, state, or local law, of our employees,including: rule,or regulation. ( )a Ex 10."Employee" includes a "leased worker". Pert testimony; "Employee" does not include a prisoner (b)Autopsy; employed by any insured. (C) Witnesses and summonses; 11. "Employment loss"means: (d)Copies of documents such as birth and death certificates and medical a. Employment-related harm to any of your treatment records; current,former or prospective"employees"; (e)Arbitration fees; b. Harm to any of your current, former or (f) Fees or costs for surveillance or prospective "volunteer workers" in other professional investigations connection with their "volunteer worker" which are conducted as part of status;or handling of a claim or"suit";and C. Harm to any of your current or former (g) Fees or costs for loss prevention and "independent contractors" in connection engineering personnel for services with their"independent contractor"status. which are conducted as part of 12. "Executive officer" means a person holding any handling of a claim or"suit". of the officer positions created by your charter, b. Does not include: constitution, by-laws or any other similar (1) Our expenses, including salaries, governing document. overhead and traveling expenses of our 13. "Harassment" means any unwelcome sexual employees, except for those fees, costs advance, request for any sexual favor, or other or expenses described in Paragraphs verbal, visual or physical conduct of a sexual or a.(1) and a.(2) above incurred while non-sexual nature,when such conduct: handling a claim or"suit";or PR T106 02 09 © 2009 The Travelers Indemnity Company Page 10 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PUBLIC ENTITY MANAGEMENT LIABILITY a. Is connected to a decision affecting a approved by your police department, sheriff person's job performance for you or a agency or other public safety organization that person's performance of duties related to enforces the law and protects persons or the conduct of your business; property. b. Interferes with a person's job performance 20."Network and information security wrongful act" for you or a person's performance of duties means any of the following committed by or on related to the conduct of your business;or behalf of an insured in the conduct of your C. Creates an intimidating, hostile, or offensive business: working environment affecting a person's a. Failure to prevent the transmission of a job performance for you or a person's "computer virus". performance of duties related to the b. Failure to provide any "authorized user" of conduct of your business. your web-site or "your computer or 14. "Hazardous properties" includes radioactive, communications network" with access to toxic or explosive properties. such website or such computer or 15. "Independent contractor" means any person communications network. who is not the insured's "employee" or C. Failure to prevent unauthorized access to, or "volunteer worker", but who performs duties use of, electronic data containing private or related to the conduct of the insured's business confidential information of others. because of a contract or agreement between the 21. "Nuclear material" means any of the following insured and that person for specified services. materials defined in the Federal Atomic Energy 16. "Joint powers authority" means any organization Act or any of its amendments: formed by two or more public entities that have a. Source material; agreed in a contract or agreement to jointly exercise any power common to them. b. Special nuclear material;or 17. "Law enforcement activities or operations": C. By-product material. a. Means any of the official activities or 22."Our deductible recovery expenses" means all operations of your police department, fees, costs and expenses incurred by us and our sheriff agency or other public safety attorneys to recover a deductible amount in a organization, other than a fire district or legal proceeding brought by us against you. But department, that enforces the law and if the deductible amount awarded to us is less protects persons or property;and than the full amount of the deductible payment b. Includes: we sought, "our deductible recovery expenses" will be a proportional amount based on the ratio (1) Ownership, maintenance or use of a of the deductible amount awarded to the full premises that you own,rent or borrow in amount of the deductible payment we sought. order to conduct such activities or 23."Personal injury" means injury, other than operations; "advertising injury", caused by one or more of (2)Ownership or operation of any of your the following offenses: jails, penal institutions or similar a. False arrest,detention or imprisonment; facilities; (3)Providing first aid at the time of an b. Malicious prosecution; accident,crime or medical emergency; C. The wrongful eviction from, wrongful entry (4)Providing school security;and into, or invasion of the right of private occupancy of a room, dwelling or premises (5)"Moonlighting". that a person occupies, provided that the 18. "Leased worker" means a person hired from a wrongful eviction, wrongful entry or invasion of the right of private occupancy is labor leasing firm under an agreement between committed by or on behalf of the owner, the hirer and that firm to perform duties related landlord or lessor of that room dwelling or to the conduct of the hirer's business. premises; 19. "Moonlighting" means any secondary employment, or extra-duty assignment, PR T106 02 09 © 2009 The Travelers Indemnity Company Page 11 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PUBLIC ENTITY MANAGEMENT LIABILITY d. Oral or written publication, including 26."Prohibited area" means any country or publication by electronic means, of material jurisdiction while any trade sanction,embargo or that slanders or libels a person or similar regulation imposed by the United States organization or disparages a person's or of America applies to and prohibits the organization's goods, products or services, transaction of business with or within such provided that the claim is made or the "suit" country orjurisdiction. is brought by a person or organization that 27. "property damage"means: claims to have been slandered or libeled, or that claims to have had its goods, products a. Physical damage to tangible property of or services disparaged;or others, including all resulting loss of use of e. Oral or written publication, including that property;or publication by electronic means, of material b. Loss of use of tangible property of others that: that is not physically damaged. (1) Appropriates a person's name, voice, For the purposes of this insurance, data, photograph or likeness; including information, facts or programs in any (2)Unreasonably places a person in a false electronic or other format, is not tangible light;or property. 28."Related wrongful acts" means two or more (3)Discloses information about a person's "wrongful acts" that have as a common private life. connection, tie or link any fact, circumstance, 24."Pollutants" means any solid, liquid, gaseous or situation, event, transaction, cause, or series of thermal irritant or contaminant, including related facts, circumstances, situations, events, smoke, vapor, soot, fumes, acids, alkalis, transactions or causes. chemicals and waste. Waste includes materials 29."Retaliatory action" includes any action directed to be recycled,reconditioned or reclaimed. at any person that is in response to that 25."Professional health care services"includes: person's: a. Any medical, surgical, dental, laboratory, a. Exercising any legally afforded right; x-ray or nursing services, treatment, advice b. Supporting in any way another person's or instruction, or the re lated furnishing of exercise of any legally afforded right; food or beverages; b. The furnishing or dispensing of drugs or C• Participating in any strike or lockout; medical, dental or surgical supplies or d. Making any claim or "suit"against you or any appliances; other insured; C. The handling or treatment of corpses, e. Testifying against you or any other insured in including autopsies, organ donations and any legal proceeding; other postmortem procedures; f. Declining to perform any illegal or unethical d. Any health or therapeutic service, act;or treatment,advice or instruction; g. Threatened or actual reporting of any illegal e. Any service, treatment,advice or instruction operations or activities actually or allegedly for the purpose of appearance or skin conducted within your business. enhancement, hair removal or replacement 30."Slogan" means a phrase that others use for the or personal grooming; purpose of attracting attention in their f. Any psychiatric, psychological or emotional advertising. counseling service, treatment, advice or 31. "Suit" means a civil proceeding that seeks instruction;or damages."Suit"includes: g. The service by any person as a member of a a. An arbitration proceeding that seeks formal accreditation, standards review, peer damages and to which the insured must review or equivalent professional board or submit or submits with our consent;and committee or member of any professional organization or committee. PR T106 02 09 © 2009 The Travelers Indemnity Company Page 12 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PUBLIC ENTITY MANAGEMENT LIABILITY b. Any other alternative dispute resolution d. "Retaliatory action" against any or your proceeding that seeks damages and to which current, former or prospective "employees" the insured submits with our consent. or"volunteer workers"; 32."Title" means a name of a literary or artistic e. Wrongful, excessive, or unfair discipline of work. any of your current, former or prospective 33."Volunteer worker"means a person,other than a "employees"or"volunteer workers"; prisoner,who: f. Wrongful hiring,supervision,or demotion of, a. Is not acting within the scope of his or her or failure to promote, any of your current, employment as an"employee"; former or prospective "employees" or volunteer workers";or b. Donates his or her work;and g. Misrepresentation to, or defamation, libel, c. Is not paid a fee, salary or other slander, disparagement or invasion of compensation for that work. privacy of, any of your current, former or 34."Wrongful act"means any act,error or omission. prospective "employees" or "volunteer workers". 35."Wrongful employment practice offense" means 36."Your boards": any of the following offenses committed by or on behalf of an insured in the conduct of your a. Means any board, commission, or other business: governmental unit or department that: a. "Discrimination" against any of your current, (1) Is under your jurisdiction;and former or prospective "employees" or (2)Is funded and operated as part of your "volunteer workers"; total operating budget. b. Wrongful termination of any of your current, b. Does not include any "joint powers former or prospective "employees" or "volunteer workers"; authority". C. "Harassment" of any of your current, former 37. "Your computer or communications network" or prospective "employees" or "volunteer means any computer or communications workers", or current or former "independent network that you rent, lease, license, or borrow contractors"; from others,own or operate. PR T106 02 09 © 2009 The Travelers Indemnity Company Page 13 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. EMPLOYMENT-RELATED PRACTICES LIABILITY PUBLIC ENTITY EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE FORM THIS INSURANCE PROVIDES CLAIMS-MADE COVERAGE. DEFENSE EXPENSES ARE PAYABLE WITHIN,AND ARE NOT IN ADDITION TO,THE LIMITS OF INSURANCE.PAYMENT OF DEFENSE EXPENSES WILL REDUCE THE LIMITS OF INSURANCE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage. defend the insured under this paragraph, a Read the entire policy carefully to determine rights, "suit"that is a "governmental administrative duties and what is and is not covered. proceeding" seeking injunctive relief for "employment loss" will be deemed to be a Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Common "suit"by a person or organization that seeks Policy Declarations and any other person or damages because of such "employment organization qualifying as a Named Insured under loss". this policy. The words "we", "us" and "our" refer to When we defend a claim or "suit" against an the company providing this insurance. insured, we will pay reasonable "defense The word "insured" means any person or expenses". Payment of such "defense organization qualifying as such under Section II - expenses" will reduce the available limits of Who Is An Insured. insurance. We may, at our discretion, investigate any "wrongful employment The words "policy period" mean the Policy Period practice offense" or claim and settle any shown in the Declarations of this Coverage Part. claim or"suit". But: Other words and phrases that appear in quotation (1) The amount we will pay for damages or marks have special meaning. Refer to Section VII - "defense expenses" is limited as Definitions. described in Section III - Limits Of SECTION I - PUBLIC ENTITY Insurance;and EMPLOYMENT-RELATED PRACTICES LIABILITY (2)Our right and duty to defend ends when COVERAGE we have used up the applicable limit of insurance in the payment of judgments, 1. Insuring Agreement settlements or"defense expenses". a. We will pay those sums that the insured We will have no other obligation or liability becomes legally obligated to pay as to pay sums or perform acts or services damages because of "employment loss" to unless explicitly provided for under which this insurance applies. We will have Supplementary Payments. the right and duty to defend the insured Damages include the attorneys' fees of the against any claim or suit seeking those person or organization making a claim or damages. However, we will have no duty to bringing a "suit" if such fees are awarded, or defend the insured against any claim or paid in a settlement for "employment loss" "suit" seeking damages because of to which this insurance applies. "employment loss" to which this insurance does not apply. b. This insurance applies to "employment loss" We will also have the right and duty to only if: defend the insured against any "suit" that is (1) The "employment loss" is caused by a a "governmental administrative proceeding" "wrongful employment practice offense" seeking injunctive relief for "employment committed in the"coverage territory"; loss" to which this insurance applies. (2)The "wrongful employment practice However,we will have no duty to defend the offense" was not committed before the insured against any "suit" that is a Retroactive Date shown in the "governmental administrative proceeding" Declarations of this Coverage Part or seeking injunctive relief for "employment after the end of the policy period;and loss"to which this insurance does not apply. For the purposes of our right and duty to (3)A claim or "suit" by a person or PR T108 02 09 © 2009 The Travelers Indemnity Company Page 1 of 11 Includes copyrighted material of Insurance Services Office, Inc.with its permission. organization that seeks damages insured's acts or omissions may in the because of the"employment loss"is first future be discovered to be a "wrongful made or brought against any insured, in employment practice offense";or accordance with Paragraph C. below, (2)Any insured may in the future receive during the policy period or any Extended written notice of a "wrongful Reporting Period we provide under employment practice offense", claim or Section VI - Extended Reporting "suit"; Periods. is not notice of a specific "wrongful C. A claim or "suit" by a person or organization employment practice offense". that seeks damages will be deemed to have e. If no Retroactive Date is shown in the been first made or brought against any Declarations of this Coverage Part, the insured at the earlier of the following times: Retroactive Date will be deemed to be the (1) When we or any "described authorized first day of the policy period. person" first receives written notice of f. Each "wrongful employment practice such claim or"suit",whichever is first;or offense" in a series of "related wrongful (2)When we first receive written notice employment practice offenses" will be from any insured of a specific "wrongful deemed to have been committed on the employment practice offense" that date the first "wrongful employment caused the "employment loss" which practice offense"in that series is committed. resulted in such claim or"suit". 2. Exclusions All claims or suits that seek damages because of"employment loss"caused by the This insurance does not apply to: same "wrongful employment practice a. Boards, Commissions, Or Governmental offense" or "related wrongful employment Units Or Departments practice offenses" will be deemed to have been first made or brought against any "Employment loss" arising out of any insured at the time the first of those claims activities or operations of the following or "suits" is first made or brought against boards,commissions, or governmental units any insured. or departments: d. A claim or "suit" by a person or organization (1) Airports; that seeks damages will be deemed to have (2)Electric or gas utilities; been first made or brought at the time we (3)Health care facilities, including clinics, receive written notice from any insured of a hospitals, nursing homes, rehabilitation specific "wrongful employment practice facilities or blood banks; offense"only if that notice contains all of the following information: (4)Housing authorities; (5)Port authorities; (1) How, when and where the "wrongful employment practice offense" was (6)Schools or school districts;or committed; (7)Transit authorities. (2)The names and addresses of any persons b. Bodily Injury Or Property Damage or organizations sustaining "Bodily injury"or"property damage". "employment loss", and the names and addresses of any witnesses; c. Breach Of Contract (3)The nature and location of any "Employment loss" arising out of the breach "employment loss" caused by the of any written contract or agreement. "wrongful employment practice offense";and d. Contractual Liability (4)The names and addresses of each "Employment loss" for which the insured is insured that committed the "wrongful obligated to pay damages by reason of the employment practice offense". assumption of liability in a contract or Notice to us that: agreement. (1) All or part of one or more of any PR T108 02 09 © 2009 The Travelers Indemnity Company Page 2 of 11 Includes copyrighted material of Insurance Services Office, Inc.with its permission. This exclusion does not apply to This exclusion does not apply to our duty to "employment loss" for which the insured defend the insured against a "suit" that is a would have liability for damages without the "governmental administrative proceeding". contract or agreement. L Known Wrongful Employment Practice e. Criminal, Dishonest, Fraudulent, Or Offenses Malicious Wrongful Employment "Employment loss" arising out of any Practice Offenses Or Knowing Violations "wrongful employment practice offense", Of Rights Or Laws including any part of "related wrongful "Employment loss" arising out of any employment practice offenses", that any criminal, dishonest, fraudulent, or malicious "described authorized person" knew about "wrongful employment practice offense", or before the first date we or any of our any knowing violation of rights or laws, affiliated insurance companies have committed: continuously provided this or similar (1) By the insured;or coverage to you. (2)With the consent or knowledge of the A "described authorized person" will be insured. deemed to know about a "wrongful This exclusion does not apply to our duty to employment practice offense" at the earliest defend that insured until it has been time when such described authorized person": determined or admitted in a legal proceeding that such "wrongful employment (1) Reports all, or any part, of the "wrongful practice offense" or knowing violation was employment practice offense" to us or committed: any provider of other insurance; (1) By that insured;or (2)Receives a written or verbal demand or (2)With the consent or knowledge of that claim for damages because of the insured. "wrongful employment practice offense";or f. Employment Termination Or Relocation (3)Becomes aware by any other means that Due To Operational Decisions all, or any part, of the "wrongful "Employment loss" arising out of any employment practice offense" has been termination of employment, "independent committed. contractor" status or "volunteer worker" j. Multiplied Damages status, or any job relocation or reassignment,that is necessary because you The portion of any multiplied damage award have: that exceeds the amount multiplied. (1) Filed for bankruptcy protection, or been k. Other Employment Laws placed in receivership or liquidation; "Employment loss" arising out of any (2)Merged with, acquired, or been acquired violation of any of the duties or by another entity;or responsibilities required of you as an (3)Transferred any part of your operations employer by the following laws, to another entity. amendments to those laws, rules or g. Fines Or Penalties regulations: Any fine or penalty imposed by law or (1) Fair Labor Standards Act, except the regulation,or that any insured has agreed to Equal Pay Act; pay for any reason. (2)National Labor Relations Act; This exclusion does not apply to punitive or (3)Worker Adjustment and Retraining exemplary damages. Notification Act; h. Injunctive Relief (4)Consolidated Omnibus Budget Reconciliation Act of 1985; Any loss, cost or expense arising out of complying with any injunctive or other (5)Occupational Safety and Health Act;or non-monetary relief or any agreement to (6)Employee Retirement Income Security provide such relief. Act of 1974. PR T108 02 09 © 2009 The Travelers Indemnity Company Page 3 of 11 Includes copyrighted material of Insurance Services Office, Inc.with its permission. This exclusion does not apply to that accrues after entry of the judgment and "employment loss" that arises out of before we have paid, offered to pay or deposited "retaliatory action" against any of your in court the part of the judgment that is within "employees"for the "employee's" exercising the applicable limit of insurance. If we do not pay of rights afforded by such laws. part of the judgment for any reason other than it I. Strikes Or Lockouts is more than the applicable limit of insurance, we will not pay any interest that accrues on that "Employment loss" to any of your portion of the judgment. "employees": 7. The cost of any required appeal bond for any (1) On strike or locked out;or judgment that we appeal, but only for bond (2)Temporarily or permanently replaced; amounts for that part of the judgment that is for due to any labor dispute,including breach of damages to which this insurance applies and a collective bargaining agreement. which are within the applicable limit of insurance. We will pay, or reimburse the insured This exclusion does not apply to for the cost of a higher appeal bond amount if "employment loss" that arises out of we are required to do so under the law that "retaliatory action"taken in response to any q applies. We will not be the principal under any strike or lockout.your "employees" for participating in any appeal bond, and we do not have to furnish any st appeal bond. m. Workers' Compensation And Similar These payments will not reduce the limits of Laws insurance. Any obligation of the insured under a Our duty to make such payments ends when we workers' compensation, disability benefits have used up the applicable limit of insurance in or unemployment compensation law or any the payment of judgments, settlements or similar law. "defense expenses". SUPPLEMENTARY PAYMENTS SECTION II -WHO IS AN INSURED We will pay, with respect to any claim we are 1. If you are designated in the Common Policy investigating, any claim or "suit" we settle or any Declarations as a public entity, you are an claim or"suit"against an insured we are defending: insured. "Your boards" are also insureds. Your 1. All expenses, other than "defense expenses", we lawfully elected or appointed officials,"executive incur. officers or directors are also insureds, but only with respect to their duties as your elected or 2. The cost of bonds to release attachments, but appointed officials, "executive officers" or only for bond amounts within the applicable directors. limit of insurance. We will not be the principal under these bonds, and we do not have to 2. Each of the following is also an insured: furnish these bonds. a. Your "volunteer workers", but only while 3. All reasonable expenses incurred at our request performing duties related to the conduct of by the insured who is an individual to assist us in your business, and your "employees", but the investigation or defense of the claim or only for acts within the scope of their "suit", including actual loss of earnings of up to employment by you or while performing $500 a day by that individual because of time duties related to the conduct of your off from work. business. 4. All costs taxed against the insured in the "suit" b. Members of "your boards", but only for the for that part of the judgment we pay, except conduct of their duties for you or for "your attorneys' fees of the person or organization boards". "Employees" of "your boards" are bringing the"suit". also insureds, but only for work done within 5. Prejudgment interest awarded against the the scope of their employment by "your insured on that part of the judgment we pay. If boards", or their performance of duties we make an offer to pay the applicable limit of related to the conduct of the operations of "your boards". insurance, we will not pay any prejudgment interest based on that period of time after the C. Any legal representative of an insured that offer. has died, or become mentally incompetent, 6. All interest on the full amount of any judgment insolvent or bankrupt, but only with respect PR T108 02 09 © 2009 The Travelers Indemnity Company Page 4 of 11 Includes copyrighted material of Insurance Services Office, Inc.with its permission. to duties as such. That representative will incurred by, or on behalf of, you or any insured have all the rights and duties of such insured that you will be responsible for paying, under this Coverage Part. regardless of the number of: 3. Any of your lawfully elected or appointed a. Insureds; officials, "executive officers", directors or b. Claims made or"suits"brought;or "employees", or any members of"your boards", C. Persons or organizations making claims or appointed at your request to serve with an bringing"suits". outside tax exempt entity will be deemed to be acting within the scope of their duties for you. The Each Wrongful Employment Practice SECTION III - LIMITS OF INSURANCE Offense Deductible does not apply to payments we make under Supplementary Payments. 1. The Limits of Insurance shown in the 2. The Each Wrongful Employment Practice Declarations of this Coverage Part and the rules Offense Deductible applies to all damages and below fix the most we will pay regardless of the "defense expenses" for all claims or "suits" for number of: "employment loss" caused by the same a. Insureds; "wrongful employment practice offense" or b. Claims made or"suits"brought;or related wrongful employment practice offenses". C. Persons or organizations making claims or 3. The applicable limits of insurance will not be bringing"suits". reduced by the amount of any damages or The limits of insurance will not be reduced by the "defense expenses" within the deductible payment of the applicable deductible amount. amount. 2. The Aggregate Limit is the most we will pay for 4. The terms of this policy, including those with the sum of all damages and "defense expenses" respect to: for the combined total of all claims or "suits"for a. Our right and duty with respect to the "employment loss". defense of claims or"suits";and If no amount is shown for the Aggregate Limit in b. Your duties in the event of a "wrongful the Declarations of this Coverage Part, the Aggregate Limit will be the higher of the Each employment practice offense", claim or "suit"; Wrongful Employment Practice Offense Limit or $100,000. apply irrespective of the application of the 3. Subject to Paragraph 2. above, the Each deductible amount. Wrongful Employment Practice Offense Limit is 5. If we settle a claim or "suit"for damages, or pay the most we will pay for the sum of all damages a judgment for damages awarded in a"suit",that and "defense expenses" for all claims or "suits" are subject to a deductible,we may pay any part for "employment loss" caused by the same or all of the deductible amount. You will "wrongful employment practice offense" or promptly reimburse us for such part of the "related wrongful employment practice deductible amount as we have paid. offenses". 6. If we pay "defense expenses"that are subject to The limits of insurance of this Coverage Part apply a deductible, you will promptly reimburse us for separately to each consecutive annual period and to such part of the deductible amount as we have any remaining period of less than 12 months,starting paid. with the beginning of the policy period, unless the 7. If you do not reimburse us for a deductible policy period is extended after issuance for an amount that applies to damages or "defense additional period of less than 12 months. In that expenses", and we are awarded the deductible case,the additional period will be deemed to be part amount we sought, or any part of that amount, of the last preceding annual or remaining period for in any legal proceeding against you, you agree to the purposes of determining the limits of insurance. pay us the amount of the award and the SECTION IV- DEDUCTIBLE following: 1. The Each Wrongful Employment Practice a. "Our deductible recovery expenses";and Offense Deductible shown in the Declarations of b. Interest, from the date of our notice of this Coverage Part and the rules below fix the payment to you, on the deductible amount amount of damages and "defense expenses" awarded to us. PR T108 02 09 © 2009 The Travelers Indemnity Company Page 5 of 11 Includes copyrighted material of Insurance Services Office, Inc.with its permission. SECTION V - PUBLIC ENTITY liable to the insured because of EMPLOYMENT-RELATED PRACTICES LIABILITY "employment loss" to which this CONDITIONS insurance may also apply. 1. Bankruptcy d. No insured will,except at that insured's own Bankruptcy or insolvency of the insured or of the cost, voluntarily make a payment, assume insured's estate will not relieve us of our any obligation, or incur any expense without obligations under this Coverage Part. our consent. 2. Duties In The Event Of A Wrongful Employment e. The following provision applies to Paragraph Practice Offense,Claim Or Suit a. above, but only for the purposes of the insurance provided under this Coverage Part a. You must see to it that we are notified as to you or any insured listed in Paragraph 1. soon as practicable of a "wrongful or 2.of Section II -Who Is An Insured: employment practice offense" which may result in a claim. To the extent possible, Notice to us of such "wrongful employment notice should include: practice offense" must be given as soon as practicable only after the "wrongful (1) How, when and where the "wrongful employment practice offense" is known by employment practice offense" was you or any"described authorized person". committed; (2)The names and addresses of any persons 3. Legal Action Against U5 or organizations sustaining No person or organization has a right under this "employment loss", and the names and Coverage Part: addresses of any witnesses; a. To join us as a party or otherwise bring us (3)The nature and location of any into a "suit" asking for damages from an "employment loss" caused by the insured;or "wrongful employment practice b. To sue us on this Coverage Part unless all of offense";and its terms have been fully complied with. (4)The names and addresses of each A person or organization may sue us to recover insured that committed the "wrongful on an agreed settlement or on a final judgment employment practice offense". against an insured, but we will not be liable for b. If a claim or"suit"is made or brought against damages that are not payable under the terms any insured,you must: of this Coverage Part or that are in excess of the applicable limit of insurance. As used in this (1) Immediately record the specifics of the provision, an agreed settlement means a claim or"suit"and the date received;and settlement and release of liability signed by us, (2)Notify us as soon as practicable. by the insured and by the claimant or the You must see to it that we receive written claimant's legal representative. notice of the claim or "suit" as soon as 4. Other Insurance practicable. If valid and collectible other insurance is c. You and any other involved insured must: available to the insured for a loss we cover under (1) Immediately send us copies of any this Coverage Part, our obligations are limited as demands, notices, summonses or legal described in Paragraphs a.and b.below. papers received in connection with the As used anywhere in this Coverage Part, other claim or"suit"; insurance means insurance, or the funding of (2)Authorize us to obtain records and other losses,that is provided by, through or on behalf information; of: (3)Cooperate with us in the investigation or (i) Another insurance company; settlement of the claim or defense (ii) Us or any of our affiliated insurance against the claim or"suit";and companies; (4)Assist us, upon our request, in the (iii)Any risk retention group; enforcement of any right against any (iv)Any self-insurance method or program, person or organization which may be including any failure to buy insurance, or PR T108 02 09 © 2009 The Travelers Indemnity Company Page 6 of 11 Includes copyrighted material of Insurance Services Office, Inc.with its permission. decision to not buy insurance, for any provider of insurance contributes equal reason, in which case the insured will be amounts until it has paid its applicable limit deemed to be the provider of other of insurance or none of the loss remains, insurance;or whichever comes first. (v)Any similar risk transfer or risk management If any of the other insurance does not permit method. contribution by equal shares, we will Other insurance does not include umbrella contribute by limits. Under this method,the insurance, or excess insurance, that was bought share of each provider of insurance is based specifically to apply in excess of the Limits of on the ratio of its applicable limit of Insurance shown in the Declarations of this insurance to the total applicable limits of Coverage Part. insurance of all providers of insurance. a. Primary Insurance 5. Premium Computation This insurance is primary except when We will compute all premiums for this Coverage Paragraph b. below applies. If any other Part in accordance with our rules and rates. insurance is also primary, we will share with 6. Representations all that other insurance by the method By accepting this policy,you agree: described in Paragraph C. below. b. Excess Insurance a. The statements and representations made in your application for employment practices This insurance is excess over any of the other liability insurance, and in all materials insurance, whether primary, excess, submitted in connection with it,are accurate contingent or on any other basis, that is and complete; available to"your boards",members of"your b. The statements in the Declarations are boards"or"employees"of"your boards". accurate and complete; When this insurance is excess, we will have C. Those statements are based upon no duty to defend the insured against any representations you made to us;and claim or "suit" if any provider of other d. We have issued this policy in reliance upon insurance has a duty to defend the insured your representations. against that claim or "suit". If no provider of other insurance defends, we will undertake The unintentional omission of, or unintentional to do so, but we will be entitled to the error in, any information provided by you which insured's rights against all those providers of we relied upon in issuing this policy will not other insurance. prejudice your rights under this insurance. When this insurance is excess over other However,this provision does not affect our right insurance, we will pay only our share of the to collect additional premium or to exercise our amount of the loss, if any, that exceeds the rights of cancellation or nonrenewal in sum of: accordance with applicable insurance laws or regulations. (1) The total amount that all such other 7. Separation Of Insureds insurance would pay for the loss in the absence of this insurance;and Except with respect to the limits of insurance, (2)The total of all deductible and and any rights or duties specifically assigned in self-insured amounts under all such this Coverage Part to the first Named Insured other insurance. shown in the Common Policy Declarations, this insurance applies: We will share the remaining loss, if any, with a. As if each Named Insured were the only any other insurance that is not described in Named Insured;and this Excess Insurance provision. b. Separately to each insured against whom c. Method Of Sharing claim is made or"suit"is brought. If all of the other insurance permits S. Transfer Of Control Of Defense contribution by equal shares, we will follow Before the available limit of insurance is used up, this method also. Under this approach each you may take over control of the defense, PR T108 02 09 © 2009 The Travelers Indemnity Company Page 7 of 11 Includes copyrighted material of Insurance Services Office, Inc.with its permission. including the appeal,of any outstanding claim or If the insured has agreed in a contract or "suit"previously reported to us if: agreement to waive that insured's right of a. We and you agree;or recovery against any person or organization, we waive our right of recovery against such person b. A court orders you to do so. or organization, but only for payments we make If the available limit of insurance is used up, we because of "employment loss" caused by a will notify you as soon as practicable of all "wrongful employment practice offense" outstanding claims or "suits",so you can arrange committed subsequent to the execution of the to take over control of their defense. contract or agreement. We agree to take whatever steps are necessary 10.When We Do Not Renew during a transfer of control of defense of an If we decide not to renew this Coverage Part we outstanding claim or "suit" to continue that g will mail or deliver to the first Named Insured defense and avoid a default judgment during shown in the Common Policy Declarations such transfer. When we take such steps, you written notice of the nonrenewal not less than agree that we do not waive or give up any of our 30 days before the end of the policy period. rights. You also agree to repay the reasonable expenses we incur for such steps taken after the If such notice is mailed, proof of mailing will be available limit of insurance is used up. sufficient proof of such notice. 9. Transfer Of Rights Of Recovery Against 11. Endorsements Applicable To Others To Us Employment-Related Practices Liability If the insured has rights to recover from others Coverage Part all or part of any payment we have made under Any endorsement to this policy that states that this Coverage Part in connection with a claim or it modifies insurance provided under the "suit", those rights are transferred to us. The Employment-Related Practices Liability insured must do nothing after loss to impair Coverage Part will be deemed to modify the them. At our request, the insured will bring suit insurance provided under this Coverage Part. or initiate an alternative dispute resolution SECTION VI - EXTENDED REPORTING PERIODS proceeding to enforce those rights, or will transfer those rights to us and help us enforce 1. We will provide one or more Extended Reporting them. Periods, as described below, if this Coverage We will apply any amounts recovered in Part is canceled or not renewed, or replaced or enforcing those rights of recovery in the renewed by us with insurance that applies on following order: other than a claims-made basis. a. First, we will reimburse any person or 2. Extended Reporting Periods do not extend the organization (including us or the insured) any amount that person or organization has policy period or change the scope of coverage paid in excess of the limits of insurance. provided.They apply only to claims or"suits" for "employment loss" caused by a "wrongful b. Then, if there is any amount remaining, we employment practice offense" committed will retain an amount equal to the amount before the end of the policy period and after the we have paid under this Coverage Part in Retroactive Date. connection with the claim or"suit". C. Finally, if there is any amount remaining, we Once in effect, Extended Reporting Periods may not be canceled. will pay that amount to the insured, including any amounts within any applicable 3. A Basic Extended Reporting Period is deductible or self-insured retention. automatically provided without additional If any amounts are recovered in enforcing those charge. This period starts with the end of the rights of recovery,reasonable expenses incurred policy period and lasts for 90 days. in enforcing such rights will be shared among all The Basic Extended Reporting Period does not persons or organizations receiving amounts apply to claims or "suits"that are covered under recovered. Each such person's or organization's any future insurance you purchase,or that would share of those expenses is based on the ratio of be covered under such insurance but for the its amount recovered to the total amounts exhaustion of its applicable limit of insurance. recovered by all such persons or organizations in enforcing such rights. PR T108 02 09 © 2009 The Travelers Indemnity Company Page 8 of 11 Includes copyrighted material of Insurance Services Office, Inc.with its permission. 4. The Basic Extended Reporting Period does not a. The United States of America (including its reinstate or increase the limits of insurance. territories and possessions), Puerto Rico 5. A Supplemental Extended Reporting Period of and Canada; 12 months is available, but only by an b. All other countries or jurisdictions in the endorsement and for an extra charge. This world except the"prohibited area";or supplemental period replaces the Basic C. International waters or airspace, unless the Extended Reporting Period. "employment loss" is caused by a "wrongful The Supplemental Extended Reporting Period employment practice offense" committed in will not go into effect unless we receive all of the the course of travel or transportation to, following within 90 days after the end of the from or within the"prohibited area"; policy period and you have fulfilled all other provided that the insured's responsibility to pay duties, and complied with all other conditions damages is determined in a "suit" on the merits and requirements,under this policy: brought in the territory described in Paragraph a. A written request from you to purchase the a.above or in a settlement we agree to. Supplemental Extended Reporting Period 3. "Defense expenses": Endorsement; b. Full payment of the earned premium for this a. Means any of the following fees, costs or olic expenses which can be directly allocated to a P y' particular claim or"suit": C. Payment of the additional premium for the Supplemental Extended Reporting Period (1) Fees of attorneys, or other authorized Endorsement;and representatives where permitted, for d. Repayment of any deductible you owe us legal services, whether by outside or under this policy. staff representatives;or We will determine the additional premium for (2)Court,alternative dispute resolution and that endorsement in accordance with our rules other specific items of expense,whether and rates. The additional premium will not incurred by an outside vendor or by one exceed 75% of the annual premium for this of our employees,including: Coverage Part. (a) Expert testimony; This endorsement will set forth the terms, not (b)Autopsy; inconsistent with this Section VI - Extended (C) Witnesses and summonses; Reporting Periods, applicable to the (d)Copies of documents such as birth Supplemental Extended Reporting Period, and death certificates and medical including a provision to the effect that the treatment records; insurance afforded for claims or suits first made or brought against any insured during such (e)Arbitration fees; period is excess over any valid and collectible (f) Fees or costs for surveillance or other insurance available under insurance in other professional investigations force after the Supplemental Extended which are conducted as part of Reporting Period starts. handling of a claim or"suit";and 6. The Supplemental Extended Reporting Period (g) Fees or costs for loss prevention and does not reinstate or increase the limits of engineering personnel for services insurance. which are conducted as part of SECTION VII - DEFINITIONS handling ofa claim or"suit". b. Does not include: 1. "Bodily injury"means: (1) Our expenses, including salaries, a. Physical harm, including sickness or disease, overhead and traveling expenses of our sustained by a person;or employees, except for those fees, costs b. Mental anguish, injury or illness, or or expenses described in Paragraphs emotional distress, resulting at any time a.(1) and a.(2) above incurred while from such physical harm,sickness or disease. handling a claim or"suit";or 2. "Coverage territory"means: PR T108 02 09 © 2009 The Travelers Indemnity Company Page 9 of 11 Includes copyrighted material of Insurance Services Office, Inc.with its permission. (2)Fees paid to independent claims advance, request for any sexual favor, or other professionals or attorneys (hired to verbal, visual or physical conduct of a sexual or perform the function of claim non-sexual nature,when such conduct: investigation normally performed by a. Is connected to a decision affecting a claim adjusters), for developing and person's job performance for you or a investigating a claim so that a person's performance of duties related to determination can be made of the cause the conduct of your business; or extent of, or responsibility for, the"employment loss" including evaluation b. Interferes with a person's job performance and settlement of covered claims. for you or a person's performance of duties related to the conduct of your business;or 4. "Described authorized person"means: C. Creates an intimidating, hostile, or offensive a. Any of your elected or appointed officials, working environment affecting a person's "executive officers"or directors; job performance for you or a person's b. Any member of"your boards";or performance of duties related to the C. Your risk manager, or any leader of your conduct of your business. legal, finance, risk management or other 11. "Independent contractor" means any person department that is responsible for insurance who is not the insured's "employee" or matters. "volunteer worker", but who performs duties related to the conduct of the insured's business 5. "Discrimination" means any violation of a because of a contract or agreement between the person's rights with respect to: insured and that person for specified services. a. That person's race, color, national origin, 12. "Joint powers authority" means any organization religion, gender, marital status, age, sexual formed by two or more public entities that have orientation,or physical or mental disability; agreed in a contract or agreement to jointly b. Any other class or characteristic afforded exercise any power common to them. rights under any federal, state, or local law, 13. "Leased worker" means a person hired from a rule,or regulation. labor leasing firm under an agreement between 6. "Employee" includes a "leased worker". the hirer and that firm to perform duties related "Employee" does not include a prisoner to the conduct of the hirer's business. employed by any insured. 14. "Our deductible recovery expenses" means all 7. "Employment loss"means: fees, costs and expenses incurred by us and our a. Employment-related harm to any of your attorneys to recover a deductible amount in a current,former or prospective"employees"; legal proceeding brought by us against you. But if the deductible amount awarded to us is less b. Harm to any of your current, former or than the full amount of the deductible payment prospective "volunteer workers" in we sought, "our deductible recovery expenses" connection with their "volunteer worker" will be a proportional amount based on the ratio status;or of the deductible amount awarded to the full c. Harm to any of your current or former amount of the deductible payment we sought. "independent contractors" in connection 15. "Pollutants" means any solid, liquid, gaseous or with their"independent contractor"status. thermal irritant or contaminant, including S. "Executive officer" means a person holding any smoke, vapor, soot, fumes, acids, alkalis, of the officer positions created by your charter, chemicals and waste. Waste includes materials constitution, by-laws or any other similar to be recycled,reconditioned or reclaimed. governing document. 16. "Prohibited area" means any country or 9. "Governmental administrative proceeding" jurisdiction while any trade sanction,embargo or means any administrative proceeding or hearing similar regulation imposed by the United States conducted by a governmental agency having the of America applies to and prohibits the proper legal authority to conduct such transaction of business with or within such proceeding or hearing. country orjurisdiction. 10."Harassment" means any unwelcome sexual PR T108 02 09 © 2009 The Travelers Indemnity Company Page 10 of 11 Includes copyrighted material of Insurance Services Office, Inc.with its permission. U."Property damage"means: 21. "Volunteer worker"means a person,other than a a. Physical damage to tangible property of prisoner,who: others, including all resulting loss of use of a. Is not acting within the scope of his or her that property;or employment as an"employee"; b. Loss of use of tangible property of others b. Donates his or her work;and that is not physically damaged. C. Is not paid a fee, salary or other For the purposes of this insurance, data, compensation for that work. including information, facts or programs in any 22."Wrongful employment practice offense" means electronic or other format, is not tangible any of the following offenses committed by or property. on behalf of an insured in the conduct of your 18. "Related wrongful employment practice business: offenses" means two or more "wrongful a. "Discrimination" against any of your current, employment practice offenses" that have as a former or prospective common connection, tie or link any fact, employees or circumstance, situation, event, transaction, volunteer workers"; cause, or series of related facts, circumstances, b. Wrongful termination of any of your current, situations,events,transactions or causes. former or prospective "employees" or "volunteer workers"; 19. "Retaliatory action" includes any action directed C. "Harassment" of any of your current, former at any person that is in response to that person's: or prospective "employees" or "volunteer workers", or current or former "independent a. Exercising any legally afforded right; contractors"; b. Supporting in any way another person's d. "Retaliatory action" against any or your exercise of any legally afforded right; current, former or prospective "employees" C. Participating in any strike or lockout; or"volunteer workers"; d. Making any claim or "suit"against you or any e. Wrongful, excessive, or unfair discipline of other insured; any of your current, former or prospective e. Testifying against you or any other insured in "employees"or"volunteer workers"; any legal proceeding; f. Wrongful hiring,supervision,or demotion of, f. Declining to perform any illegal or unethical or failure to promote, any of your current, former or prospective "employees" or act;or "volunteer workers";or g. Threatened or actual reporting of any illegal g. Misrepresentation to, or defamation, libel, operations or activities actually or allegedly slander, disparagement or invasion of conducted within your business. privacy of, any of your current, former or 20."Suit"means: prospective "employees" or "volunteer a. A civil proceeding that seeks damages, workers". including: 23."Your boards": (1) An arbitration proceeding that seeks a. Means any board, commission, or other damages and to which the insured must governmental unit or department that: submit or submits with our consent;and (1) Is under your jurisdiction;and (2)Any other alternative dispute resolution (2)Is funded and operated as part of your proceeding that seeks damages and to total operating budget. which the insured submits with our consent;and b. Does not include any "joint powers b. Any "governmental administrative authority". proceeding". PR T108 02 09 © 2009 The Travelers Indemnity Company Page 11 of 11 Includes copyrighted material of Insurance Services Office, Inc.with its permission. LAW ENFORCEMENT LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following: LAW ENFORCEMENT LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2., b. Any loss, cost or expenses arising out of Exclusions, of Section - LAW the abating, testing for, monitoring, ENFORCEMENT LIABILITY COVERAGE: cleaning up, removing, containing, Fungi Or Bacteria treating, detoxifying, neutralizing, g remediating or disposing of, or in any a. "Bodily injury", "property damage" or way responding to, or assessing the "personal injury" which would not have effects of, "fungi" or bacteria, by any occurred or taken place, in whole or in insured or by any other person or entity. part, but for the actual, alleged or This exclusion does not apply to any "fungi" threatened inhalation of, ingestion of, or bacteria that are, are on, or are contained contact with, exposure to, existence of, in, a good or product intended for or presence of, any"fungi"or bacteria on consumption. or within a building or structure, including its contents, regardless of B. The following is added to the DEFINITIONS whether any other cause,event,material Section: or product contributed concurrently or "Fungi" means any type or form of fungus, in any sequence to such injury or including mold or mildew and any mycotoxins, damage. spores, scents or by-products produced or released by fungi. PR T3 43 02 09 ©2009 The Travelers Companies, Inc. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. PUBLIC ENTITY MANAGEMENT LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF NETWORK AND INFORMATION SECURITY WRONGFUL ACT DEFINITION This endorsement modifies insurance provided under the following: PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART 1. The following replaces the definition of"network 2. The following replaces the definition of "your and information security wrongful act" in the computer or communications network" in the DEFINITIONS Section: DEFINITIONS Section: "Network and information security wrongful act" "Your computer or communications network" means any of the following committed by or on means any computer or communications behalf of an insured in the conduct of your network that you: business: a. Failure to prevent the transmission of a a. Rent, lease, license or borrow from others; or "computer virus". b. Failure to provide any "authorized user" of b. Own or operate. your website or "your computer or 3. The following is added to the DEFINITIONS communications network" with access to Section: such website or such computer or "Security breach notification law" means any law communications network. or regulation that requires an organization to C. Failure to prevent unauthorized access to, or notify persons that their nonpublic personal use of, data containing private or information was or may have been accessed or confidential information of others. acquired without their authorization. d. Failure to provide notification of any actual or potential unauthorized access to, or use of, data containing private or confidential information of others as required by any "security breach notification law" that applies to you. PR T4 27 0115 ©2014 The Travelers Indemnity Company. All rights reserved. Page 1 of 1 EMPLOYMENT-RELATED PRACTICES LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - OTHER EMPLOYMENT LAWS This endorsement modifies insurance provided under the following: EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART The following replaces Exclusion k., Other (3)Worker Adjustment and Retraining Employment Laws, in Paragraph 2.of SECTION I Notification Ac - PUBLIC ENTITY EMPLOYMENT-RELATED (4)Consolidated Omnibus Budget PRACTICES LIABILITY COVERAGE: Reconciliation Act of 1985; k. Other Employment Laws (5)Occupational Safety and Health Act;or "Employment loss"arising out of any violation of (6)Employee Retirement Income Security Act any of the duties or responsibilities required of of1974. you as an employer by any of the following laws, amendments to those laws, regulations issued This exclusion does not apply to "employment pursuant to such laws, or any similar or related loss" that arises out of "retaliatory action" federal,state or local law or regulation: against any of your "employees" for the "employee's" exercising of rights afforded by (1) Fair Labor Standards Act, except the Equal such laws or regulations. Pay Act; (2)National Labor Relations Act; PR T5 04 0712 ©2012 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 PUBLIC ENTITY MANAGEMENT LIABILITY POLICY NUMBER:ZLP-91N68510-24-PB ISSUE DATE:10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITED SPECIAL EXPENSES COVERAGE - KEY EMPLOYEES This endorsement modifies insurance provided under the following: PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART SCHEDULE- LIMITED SPECIAL EXPENSES Limited Special Expenses Aggregate Limit $50,000 Limited Special Expenses Participation Percentage 10% PROVISIONS (1) Airports; 1. The following is added to SECTION I - PUBLIC (2) Electric utilities or gas utilities; ENTITY MANAGEMENT LIABILTY (3) Health care facilities, including COVERAGE: clinics, hospitals, nursing homes, COVERAGE- LIMITED SPECIAL EXPENSES rehabilitation facilities or blood 1. Insuring Agreement banks; a. We will reimburse you for "limited (4) Housing authorities; special expenses" to which this (5) Port authorities; insurance applies that you incur to (6)Schools or school districts;or replace a "key employee". The amount (7) Transit authorities. we will pay for such "limited special If an Amendment Of Coverage - expenses" is limited as described in Section III - Limits of Insurance. Designated Boards, Commissions, Or Governmental Units Or Departments b. This insurance applies to "limited special endorsement is included in this policy, expenses"only if: this exclusion does not apply to any (1) The "limited special expenses" are board, commission, or governmental directly attributable to a "key unit or department shown in the employee event" that happens Schedule Of Designated Boards, during the"endorsement period"; Commissions,Or Governmental Units Or (2)The "key employee event" is first Departments. reported to us in writing during the b. Criminal, Dishonest, Fraudulent, Or policy period or within 90 days after Malicious Wrongful Acts Or Knowing the end of the policy period;and Violations Of Rights Or Laws (3)The "limited special expenses" are "Limited special expenses"arising out of incurred by you and reported to us any criminal, dishonest, fraudulent, or within one year of the date on which malicious"wrongful act",or any knowing you reported the "key employee violation of rights or laws,committed: event"to us. (1) By the insured;or 2. Exclusions (2)With the consent or knowledge of This insurance does not apply to: the insured. a. Boards, Commissions, Or c. Damages,Fines Or Penalties Governmental Units Or Departments Any obligation or liability of any insured "Limited special expenses"arising out of to pay damages,fines, penalties or other any activities or operations of the sums, other than "limited special following boards, commissions, or expenses", arising out of a "key governmental units or departments: employee event". PR T5 07 0218 ©2018 The Travelers Indemnity Company.All rights reserved. Page 1 of 4 PUBLIC ENTITY MANAGEMENT LIABILITY d. Nuclear Energy You will pay the Limited Special Expenses "Limited special expenses"arising out of Participation Percentage, shown in the Schedule the "hazardous properties" of "nuclear - Limited Special Expenses, of the "limited material". special expenses" that you incur for each "key employee event" that happens during the e. Strikes, Riots, Demonstrations Or "endorsement period". The Limited Special Civil Commotions Expenses Aggregate Limit applies excess of this "Limited special expenses"arising out of participation percentage. any strike, riot, protest, demonstration, 5. The following replaces Paragraph 2., Duties In lock-out or civil commotion. The Event Of A Wrongful Act, Claim Or Suit, f. War of SECTION V - PUBLIC ENTITY "Limited special expenses"arising out of: MANAGEMENT LIABILTY CONDITIONS, but (1) War, including undeclared or civil only for purposes of insurance provided under war; Coverage- Limited Special Expenses: (2)Warlike action by a military force, 2. Duties In The Event Of A Key Employee including action in hindering or Event defending against an actual or a. You must see to it that we are notified in expected attack,by any government, writing as soon as practicable of a "key sovereign or other authority using employee event".To the extent possible, military personnel or other agents; notice should include: or (1) How, when and where the "key (3) Insurrection, rebellion, revolution, employee event"happened; usurped power, or action taken by (2)The name, address, and position governmental authority in hindering held by the "employee" or elected or defending against any of these. official involved in the"key employee 2. The following is added to the event";and SUPPLEMENTARY PAYMENTS Section of (3)The name, address and contact SECTION I - PUBLIC ENTITY MANAGEMENT information of any outside LIABILITY COVERAGE: employment search firm or outside advertisement agency that you hire We will not pay any Supplementary Payment or intend to hire to assist you in the with respect to payments we make under search for a permanent replacement Coverage- Limited Special Expenses. of a"key employee". 3. The following is added to SECTION III - LIMITS b. In the event that you incur "limited OF INSURANCE: special expenses" because of a "key Subject to Paragraph 2. of Section III - Limits Of employee event", a "described Insurance, the Limited Special Expenses authorized person" must promptly send Aggregate Limit shown in the Schedule- Limited us a signed, sworn statement that Special Expenses is the most we will pay for the contains an accounting of the "limited sum of all "limited special expenses" that you special expenses"and includes: incur as a result of all"key employee events"that (1) The nature of the "limited special happen during the "endorsement period" under expenses"incurred by you; Coverage- Limited Special Expenses. (2) How, when and where such "limited If no amount is shown for the Limited Special special expenses" were incurred by Expenses Aggregate Limit in the Schedule - you;and Limited Special Expenses, the Limited Special (3) Receipts for all "limited special Expenses Aggregate Limit is$25,000. expenses"incurred by you. 4. The following replaces SECTION IV - c. We may examine any insured under DEDUCTIBLE, but only for purposes of oath, while not in the presence of any insurance provided under Coverage - Limited other insured and at such times as may Special Expenses• be reasonably required, about any matter relating to this insurance or your Limited Special Expenses Participation claim, including an insured's books and Percentage records. In the event of an examination, an insured's answers must be signed. PR T5 07 0218 ©2018 The Travelers Indemnity Company.All rights reserved. Page 2 of 4 PUBLIC ENTITY MANAGEMENT LIABILITY d. We may inspect and obtain records and (3) Finally, if there is any amount remaining, we other information proving the "limited will pay that amount to you, including any special expenses". You must provide the amounts within the participation percentage information we request to investigate applicable to Coverage - Limited Special the claim. You must do this within 60 Expenses. days after our request. If any amounts are recovered in enforcing those e. You must cooperate with us in the rights of recovery,reasonable expenses incurred investigation or settlement of any claim in enforcing such rights will be shared among all for"limited special expenses". persons or organizations receiving amounts f. You must assist us, upon our request, in recovered. Each such person's or organization's the enforcement of any right against any share of those expenses will be based on the person or organization which may be ratio of its amount recovered to the total liable to you because of loss to which amount recovered by all such persons or this insurance may also apply. organizations in enforcing such rights. We will 6. The following replaces the first and second deduct each such person's or organization's paragraphs of Paragraph 4.b., Excess share of those expenses from any amount we Insurance, of SECTION V - PUBLIC ENTITY pay to such person or organization. MANAGEMENT LIABILITY CONDITIONS, but 8. The following is added to the DEFINITIONS only for purposes of insurance provided under Section, but only for purposes of insurance Coverage- Limited Special Expenses: provided under Coverage - Limited Special This insurance is excess over any of the other Expenses: insurance, whether primary, excess, contingent "Endorsement period"means: or on any other basis, that is available to the a. The policy period shown in the Declarations insured for loss we cover under Coverage - of this Coverage Part;or Limited Special Expenses. b. The period starting on the effective date 7. The following replaces Paragraph 8., Transfer shown in the policy change endorsement Of Rights Of Recovery Against Others To Us, adding the Coverage - Limited Special of SECTION V - PUBLIC ENTITY Expenses to this policy and ending on the MANAGEMENT LIABILITY CONDITIONS, but policy's expiration date,if such coverage has only for purposes of insurance provided under been added by endorsement during the Coverage- Limited Special Expenses: policy period shown in the Declarations of If you have rights to recover all or part of any this Coverage Part. payment we have made under Coverage - "Key employee" means any of the following Limited Special Expenses, those rights are persons who are less than 65 years of age when transferred to us. You must do nothing to impair the"key employee event"happens: those rights.At our request, you will bring suit or a. Any of your lawfully elected officials; initiate an alternative dispute resolution b. Your lawfully appointed officials or proceeding to enforce those rights, or will „ transfer those rights to us and help us enforce employees who is: them. (1) Your city manager or county manager; We will apply any amounts recovered in (2)The head of your water utility or sewer enforcing those rights of recovery in the utility; following order: (3)The head of your police department, (1) First, we will reimburse any person or sheriff agency or other public safety organization (including us or you) any organization; amount that person or organization has paid (4)The head of your fire district or in excess of the Limited Special Expenses department;or Aggregate Limit shown in the Schedule - (5)The head of your legal, finance or risk Limited Special Expenses. management department. (2)Then, if there is any amount remaining, we will retain an amount equal to the amount we have paid under Coverage - Limited Special Expenses in connection with the loss. PR T5 07 0218 ©2018 The Travelers Indemnity Company.All rights reserved. Page 3 of 4 PUBLIC ENTITY MANAGEMENT LIABILITY "Key employee event": (a) For polling premises, ballot a. Means: machines, printing of ballots, ballot (1) The death of a"key employee";or counting and public communications;or (2) A medically-confirmed sickness or (b)To hire "temporary workers" to disability of a "key employee" that conduct a"special election". prevents such person from fulfilling the required duties of his or her current b. Does not include any: position and results in such person's (1) Salaries, including overtime pay, except resignation or retirement. salaries of"temporary workers" hired to b. Does not include: conduct a"special election"; (1) The termination of a "key employee" by (2) Employee benefits or bonuses, including you for any reason; sign-on benefits or bonuses; (2)The voluntary resignation of a "key (3) "Legal representation costs"; employee" for any reason, other than as (4)Expenses incurred for a recall election; a result of a sickness or disability (5) Expenses incurred to comply with any described in Paragraph a.(2)above; law or regulation, other than as a result (3)The retirement of a "key employee" for of a"key employee event"; any reason, other than as a result of a (6)Expenses incurred for an election sickness or disability described in recount; Paragraph a.(2)above; (7) Expenses incurred to hire a "leased (4)The removal of a "key employee" from worker"or a"temporary worker",except office or your employment by a"temporary worker"hired to conduct a administrative or legal process;or "special election"; (5)A "key employee's" temporary leave of (8)Expenses incurred for entertainment or absence. recreation; "Legal representation costs" means any fees, (9)Relocation expenses, including moving costs or expenses for legal representation or expenses, housing expenses, and rental legal services. or lease expenses;or "Limited special expenses": (10)Expenses incurred as part of a general a. Means the following reasonable expenses election, regardless of whether a "key actually and necessarily incurred by you to employee" position is being filled during permanently replace a"key employee": that general election as a result of a "key (1) With respect to the hiring of a employee event". permanent replacement of a "key "Special election" means any election held employee",the expenses incurred: between scheduled general elections to fill a (a) To hire any outside employment vacant elective position with an unexpired term search firm or outside when an elected official is unable to fulfill his or advertisement agency;or her duties due to a"key employee event". (b) For advertising, travel, temporary "Temporary worker" means a person who is lodging,meals and car rental;or furnished to you to substitute for a permanent employee on leave or to meet seasonal or (2)With respect to a "special election" held short-term workload conditions. to permanently replace an elected official,the expenses incurred: PR T5 07 0218 ©2018 The Travelers Indemnity Company.All rights reserved. Page 4 of 4 LAW ENFORCEMENT LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOBILE EQUIPMENT REDEFINED - EXCLUSION OF VEHICLES SUBJECT TO MOTOR VEHICLE LAWS This endorsement modifies insurance provided under the following: LAW ENFORCEMENT LIABILITY COVERAGE FORM PROVISIONS b. Any other land vehicle that is subject to a 1. The following replaces Paragraph (2) of compulsory or financial responsibility law,or Exclusion a.,Aircraft Or Auto, in Paragraph 2. other motor vehicle insurance law, where it of SECTION I - LAW ENFORCEMENT is licensed or principally garaged, or would LIABILITY COVERAGE: have been subject to such compulsory or financial responsibility law, or other motor (2) "Bodily injury", "property damage" or vehicle insurance law, if you were not a "personal injury"arising out of: public entity;or (a) The operation of machinery or c. Any other land vehicle not described in equipment that is attached to,or part of, Paragraph a. or b. above that is designated a land vehicle that would qualify as as a covered auto under your automobile "mobile equipment" under the definition liability insurance. of "mobile equipment" if such land However, "auto' does not include "mobile vehicle were not: equipment". (i) Subject to a compulsory or financial 3. The following replaces Paragraph (i) of the responsibility law, or other motor definition of "mobile equipment" in the vehicle insurance law, where it is DEFINITIONS Section: licensed or principally garaged;or (i) Subject to a compulsory or financial (ii) Designated as a covered auto under responsibility law, or other motor vehicle your automobile liability insurance; insurance law, where it is licensed or or principally garaged, or would have been (b) The operation of any of the machinery or subject to such compulsory or financial equipment listed in Paragraph f.(2) or responsibility law, or other motor vehicle f.(3) of the definition of "mobile insurance law,if you were not a public entity; equipment";or 2. The following replaces the definition of"auto" in the DEFINITIONS Section: "Auto"means: a. A land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or equipment; PR T512 0514 ©2014 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 LAW ENFORCEMENT LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - LEAD This endorsement modifies insurance provided under the following: LAW ENFORCEMENT LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2., incorporated into any material or substance. This Exclusions, of SECTION I - LAW ENFORCEMENT includes: LIABILITY COVERAGE: (1) Any supervision, instructions, Lead recommendations, warnings or advice given or which should have been given in connection with "Bodily injury", "property damage" or "personal the above;and injury" arising out of the actual or alleged presence (2) Any obligation to share damages, with or repay or actual, alleged or threatened dispersal, release, someone else who pay damages because of such ingestion, inhalation or absorption of lead, lead injury or damage. compounds or lead which is or was contained in or PR T5 24 0715 ©2015 The Travelers Indemnity Company. All rights reserved. Page 1 of 1 PUBLIC ENTITY MANAGEMENT LIABILITY POLICY NUMBER:ZLP-91N68510-24-PB ISSUE DATE:10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEFENSE EXPENSES REIMBURSEMENT FOR INJUNCTIVE RELIEF SUITS This endorsement modifies insurance provided under the following: PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART(CLAIMS-MADE) SCHEDULE - INJUNCTIVE RELIEF DEFENSE EXPENSES REIMBURSEMENT Defense Expenses Reimbursement Limit-Aggregate $25,000 Defense Expenses Reimbursement Limit- Each Wrongful Act $25,000 Injunctive Relief Each Wrongful Act Participation Amount 10% PROVISIONS "suit", we will pay all expenses we incur for such 1. The following is added to Paragraph 1.a. of defense. Such expenses are not subject to the SECTION I - PUBLIC ENTITY Injunctive Relief Each Wrongful Act Participation Amount shown in the Schedule - Injunctive MANAGEMENT LIABILITY COVERAGE: Relief Defense Expenses Reimbursement and We will reimburse you for reasonable "defense will not reduce any Defense Expenses expenses" you incur to defend a "suit" seeking Reimbursement Limit shown in that schedule. only injunctive or other non-monetary relief 2. The following replaces Paragraph 1.b.(4) of brought against any insured for loss to which SECTION I - PUBLIC ENTITY this insurance applies. But: MANAGEMENT LIABILITY COVERAGE, but (1) The amount we will pay for such "defense only for purposes of the coverage provided by expenses" is limited as described in Section this endorsement: III - Limits of Insurance;and (4)A claim or "suit" by a person or organization (2)We will only reimburse you for such "defense that seeks only injunctive or other expenses"after: non-monetary relief for loss is first made or (a)A final settlement has been agreed to,or brought against any insured, in accordance a final judgment has been awarded, in with Paragraph C. below, during the policy the "suit" seeking only injunctive or period or any Extended Reporting period we other non- monetary relief; provide under Section VI - Extended Reporting Periods. (b)The amount of such "defense expenses" you have incurred exceeds the Injunctive 3. The following replaces Paragraphs 1.C. and d. of Relief Each Wrongful Act Participation SECTION I - PUBLIC ENTITY Amount and the Defense Expenses MANAGEMENT LIABILITY COVERAGE, but Reimbursement Limit - Each Wrongful only for purposes of the coverage provided by Act shown in the Schedule - Injunctive this endorsement: Relief Defense Expenses C. A claim or "suit" by a person or organization Reimbursement;or that seeks only injunctive or other (c) The "suit" seeking only injunctive or non-monetary relief for loss will be deemed other non-monetary relief is amended to have been first made or brought against to seek damages for loss to which this any insured at the earlier of the following insurance applies. times: We have the right, but not the duty, to defend (1) When we or any "described authorized the insured against any claim or "suit" seeking person" first receives written notice of only injunctive or other non-monetary relief for such claim or"suit",whichever is first;or loss to which this insurance applies. If we choose to defend the insured against such claim or PR T5 26 0116 ©2015 The Travelers Indemnity Company.All rights reserved. Page 1 of 3 PUBLIC ENTITY MANAGEMENT LIABILITY (2)When we first receive written notice 5. The following is added to the from any insured of a specific "wrongful SUPPLEMENTARY PAYMENTS Section of act" that caused the loss which resulted SECTION I - PUBLIC ENTITY in such claim or"suit". MANAGEMENT LIABILITY COVERAGE: All claims or "suits"that seek only injunctive For purposes of"suits"seeking only injunctive or or other non-monetary relief because of loss other non-monetary relief, we will not pay any caused by the same "wrongful act" or Supplementary Payments. "related wrongful acts" will be deemed to 6. The following is added to SECTION III - LIMITS have been first made or brought against any OF INSURANCE: insured at the time the first of those claims or "suits" is first made or brought against The Defense Expenses Reimbursement Limit - any insured. Aggregate shown in the Schedule - Injunctive d. A claim or "suit" by a person or organization Relief Defense Expenses Reimbursement is the most we will pay to reimburse you for all that seeks only injunctive or other reasonable "defense expenses" incurred to non-monetary relief will be deemed to have defend all"suits" seeking only injunctive or other been first made or brought at the time we non-monetary relief. receive written notice from any insured of a specific "wrongful act" only if that notice Subject to the Defense Expenses contains all of the following information: Reimbursement Limit - Aggregate, the Defense Expenses Reimbursement Limit - Each Wrongful (1) How,when and where the"wrongful act" Act shown in the Schedule - Injunctive Relief was committed; Defense Expenses Reimbursement is the most (2)The names and addresses of any persons we will pay to reimburse you for all reasonable or organizations sustaining loss, and the "defense expenses"incurred to defend all "suits" names and addresses of any witnesses; seeking only injunctive or other non-monetary relief for loss caused by the same "wrongful act" (3)The nature and location of any loss or"related wrongful acts". caused by the"wrongful act";and These limits of insurance apply over the (4)The names and addresses of each Injunctive Relief Each Wrongful Act Participation insured that committed the "wrongful Amount shown in the Schedule - Injunctive act". Relief Defense Expenses Reimbursement. Notice to us that: These limits of insurance are in addition to, and (1) All or part of one or more of any not included within, the Limits of Insurance insured's acts or omissions may in the shown in the Declarations of this Coverage Part. future be discovered to be a "wrongful 7. SECTION IV - DEDUCTIBLE is deleted, but act";or only for purposes of the coverage provided by (2)Any insured may in the future receive this endorsement. written notice of a "wrongful act", claim S. The following section is added, but only for or"suit"; purposes of the coverage provided by this is not notice of a specific"wrongful act". endorsement: 4. The following is added to Exclusion j., INJUNCTIVE RELIEF EACH WRONGFUL Injunctive Relief, in Paragraph 2.of SECTION ACT PARTICIPATION AMOUNT - PUBLIC ENTITY MANAGEMENT The Injunctive Relief Each Wrongful Act LIABILITY COVERAGE: Participation Amount shown in the Schedule - This exclusion does not apply to amounts we Injunctive Relief Defense Expenses reimburse you for the reasonable "defense Reimbursement is the amount of "defense expenses" you incur to defend a "suit" seeking expenses"that you incur and are responsible for only injunctive or other non-monetary relief paying to defend all "suits" seeking only brought against any insured. injunctive or other non-monetary relief for loss caused by the same "wrongful act" or "related wrongful acts". The Defense Expenses Reimbursement Limit - Each Wrongful Act applies excess of this Injunctive Relief Each Wrongful Act Participation Amount. PR T5 26 0116 ©2015 The Travelers Indemnity Company.All rights reserved. Page 2 of 3 PUBLIC ENTITY MANAGEMENT LIABILITY If no amount is shown for the Injunctive Relief The sworn statement must be sent to us as soon Each Wrongful Act Participation Amount in the as practicable, but in no event more than 180 Schedule - Injunctive Relief Defense Expenses days,after: Reimbursement,that amount will be$1,000. (1) A final settlement has been agreed to, or a The Injunctive Relief Each Wrongful Act final judgment has been awarded, in the Participation Amount cannot be paid by any "suit" seeking only injunctive or other amounts paid under any self-insured retention non-monetary relief;or or deductible that is part of this policy. Any such (2)The amount of such "defense expenses" self-insured retention or deductible cannot be exceeds the Injunctive Relief Each Wrongful paid by any amount of "defense expenses" that g Act Participation Amount and the Defense you incur and are responsible for paying to Expenses Reimbursement Limit - Each defend claims or suits seeking only injunctive Wrongful Act. or other non-monetary relief. 9. The following is added to Paragraph 2.d., 11. The following replaces the definition of"suit" in Duties In The Event Of A Wrongful Act, SECTION VII - DEFINITIONS, but only for Claim Or Suit, of SECTION V - PUBLIC Purposes of the coverage provided by this endorsement: ENTITY MANAGEMENT LIABILITY CONDITIONS: "Suit"means: a. A civil proceeding that seeks damages, However,if we choose not to defend the insured including: against a claim or "suit" seeking only injunctive or other non-monetary relief, this paragraph (1) An arbitration proceeding that seeks does not apply to "defense expenses" that you damages and to which the insured must incur to defend a claim or "suit" seeking only submit or submits with our consent;and injunctive or other non-monetary relief brought (2)Any other alternative dispute resolution against any insured. proceeding that seeks damages and to 10.The following is added to SECTION V- PUBLIC which the insured submits with our ENTITY MANAGEMENT LIABILITY consent;or CONDITIONS, but only for purposes of the b. A civil proceeding that seeks only injunctive coverage provided by this endorsement: or other non-monetary relief. Requirements To Report "Defense 12. The following is added to Paragraph b. of the Expenses" For Reimbursement definition of "defense expenses" in SECTION VII - DEFINITIONS, but only for purposes of In the event that you incur "defense expenses" the coverage provided by this endorsement: for a "suit" seeking only injunctive or other non-monetary relief, a "described authorized "Defense expenses"also does not include: person"must send us a signed,sworn statement (1) Salaries, overhead or travel of any insured; that contains an accounting of the "defense or expenses"and includes: (2)Attorneys'fees of the person or organization (1) How, when and where such "defense making a claim or bringing a "suit" seeking expenses"were incurred by you;and only injunctive or other non-monetary relief (2)Receipts, statements or other if such fees are awarded, or paid in documentation for all "defense expenses" settlement,for such"suit". incurred by you. PR T5 26 0116 ©2015 The Travelers Indemnity Company.All rights reserved. Page 3 of 3 LAW ENFORCEMENT LIABILITY POLICY NUMBER:ZLP-91N68510-24-PB ISSUE DATE:10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNMANNED AIRCRAFT EXCLUSION - WITH EXCEPTION FOR DESIGNATED AIRCRAFT This endorsement modifies insurance provided under the following: LAW ENFORCEMENT LIABILITY COVERAGE PART SCHEDULE OF INSURED UNMANNED AIRCRAFT DJI Mavic 2 Enterprise Pro FA3FLXACAM DJI Mavic Mini 2 FA3HE9PXFT DII Mavic Mini 2 FA3HE9TRKL DJI Mavic Pro FA3FAW94 PROVISIONS wrongdoing in the supervision, hiring, 1. The following is added to Exclusion a., Aircraft employment,training or monitoring of others by that insured, if the wrongful act which caused Or Auto, in Paragraph 2.of SECTION I - LAW the "bodily injury", "property damage" or ENFORCEMENT LIABILITY COVERAGE: "personal injury" involved the ownership, This exclusion also does not apply to any maintenance, use or entrustment to others of "unmanned aircraft". any"unmanned aircraft". 2. The following exclusion is added to Paragraph 2., This exclusion does not apply to any "unmanned Exclusions, of SECTION I - LAW aircraft" described in the Schedule Of Insured ENFORCEMENT LIABILITY COVERAGE: Unmanned Aircraft. Unmanned Aircraft 3. The following is added to the DEFINITIONS Section: "Bodily injury", "property damage" or "personal "Unmanned aircraft" means an aircraft that is injury" arising out of the ownership, not designed, manufactured,or modified after it maintenance, use or entrustment to others of is manufactured, to be controlled directly by a any unmanned aircraft".Use includes operation person from within or on the aircraft. and"loading or unloading'. This exclusion applies even if the claims against any insured allege negligence or other PR T5 29 0116 ©2015 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 PUBLIC ENTITY MANAGEMENT LIABILITY POLICY NUMBER:ZLP-91N68510-24-PB ISSUE DATE:10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF LAW ENFORCEMENT ACTIVITIES OR OPERATIONS DEFINITION This endorsement modifies insurance provided under the following: PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART SCHEDULE -ADDITIONAL EXCLUDED LAW ENFORCEMENT ACTIVITIES OR OPERATIONS PROVISIONS (4)Any of the official activities or operations of The following replaces the definition of "law any person or organization shown in the enforcement activities or operations" in the Schedule - Additional Excluded Law DEFINITIONS Section: Enforcement Activities Or Operations, if a person or organization is shown in such "Law enforcement activities or operations": schedule. a. Means: b. Includes: (1) Any of the official activities or operations of (1) Ownership, maintenance or use of a your police department or sheriff agency, premises that you own, rent or borrow in including any moonlighting, secondary order to conduct such activities or employment or extra-duty assignment operations; approved by such department or agency; (2)Ownership or operation of any of your jails, (2)Any of the official activities or operations of penal institutions, detention centers or yourjuvenile detention center; similar facilities; (3)Any of the official activities of your (3) Providing first aid;or probation officers, parole officers, animal control officers or court security officers;or (4)Providing school security. PR T5 45 0217 9 2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 LAW ENFORCEMENT LIABILITY POLICY NUMBER:ZLP-91N68510-24-PB ISSUE DATE:10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF LAW ENFORCEMENT ACTIVITIES OR OPERATIONS This endorsement modifies insurance provided under the following: LAW ENFORCEMENT LIABILITY COVERAGE PART SCHEDULE - DESIGNATED LAW ENFORCEMENT ACTIVITIES OR OPERATIONS PROVISIONS a person or organization is shown in such schedule. 1. The following replaces the definition of "law b. Includes: enforcement activities or operations" in the DEFINITIONS Section: (1) Ownership, maintenance or use of a premises that you own, rent or borrow in "Law enforcement activities or operations": order to conduct such activities or a. Means: operations; (1) Any of the official activities or operations (2)Ownership or operation of any of your of your police department or sheriff jails,penal institutions,detention centers agency,including any or similar facilities; moon Iighting,secondary employment or (3)Providing first aid;or extra-duty assignment approved by such department or agency; (4)Providing school security. (2)Any of the official activities or operations 2. The following exclusion is added to Paragraph 2., of your juvenile detention center; Exclusions in SECTION I - LAW (3)Any of the official activities of your ENFORCEMENT LIABILITY COVERAGE: probation officers, parole officers, Educator Services animal control officers or court security "Bodily injury", "property damage" or"personal officers;or injury"arising out of: (4)Any of the official activities or operations a. The providing or failing to provide"educator of any person or organization shown in services", whether in person or the Schedule - Designated Law electronically,to or for any juvenile offender, Enforcement Activities Or Operations, if person detained in your juvenile detention PR T5 46 0218 © 2018 The Travelers Indemnity Company. All rights reserved. Page 1 of 2 LAW ENFORCEMENT LIABILITY center or person placed in any other 3. The following is added to the DEFINITIONS rehabilitation program forjuveniles; Section: b. Any illegal or improper physical or "Educator services": non-physical contact, whether in person or electronically: a. Means: (1) With a juvenile offender, person (1) Education or instruction; detained in your juvenile detention (2)Academic or career guidance; center or person placed in any other (3)Discipline administered by an educator rehabilitation program forjuveniles;and or education administrator;or (2)Committed by any person that is (4)School admission enrollment or assigned to provide"educator services"; financial aid; C. The creation of curriculum or educational at any location. material for any juvenile offender, person detained in yourjuvenile detention center or b. Includes: person placed in any other rehabilitation (1) The creation of an individual education program for juveniles;or plan, Section 504 plan or similar d. Any education accreditation or certification individualized plan of instruction; for instruction provided by or for your (2)The placement, admission or enrollment juvenile detention center or any other in an educational program; rehabilitation program for delinquent juveniles orjuvenile offenders; (3)The determination of ability to including any actual or alleged violation of due participate in any school sponsored process rights, or any actual or alleged program or extra-curricular activity;or discrimination, whether intentional or (4)Corporal punishment, unintentional, based upon any characteristic, detention,suspension or expulsion attribute, trait,condition or status that qualifies administered by an educator or a person for protection against discrimination education administrator. under federal,state or local law. PR T5 46 0218 © 2018 The Travelers Indemnity Company. All rights reserved. Page 2 of 2 EMPLOYMENT-RELATED PRACTICES LIABILITY POLICY NUMBER:ZLP-91N68510-24-PB ISSUE DATE:10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WORKPLACE VIOLENCE EXPENSES COVERAGE This endorsement modifies insurance provided under the following: EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART SCHEDULE OF WORKPLACE VIOLENCE EXPENSES AND ADDITIONAL EXCLUDED LAW ENFORCEMENT ACTIVITIES OR OPERATIONS Workplace Violence Expenses Limit $ [Up to$250,000] Additional Excluded Law Enforcement Activities Or Operations PROVISIONS (1) Airports; 1. The following is added to SECTION I - PUBLIC (2)Electric or gas utilities; ENTITY EMPLOYMENT-RELATED (3)Health care facilities, including PRACTICES LIABILITY COVERAGE: clinics, hospitals, nursing homes, WORKPLACE VIOLENCE EXPENSES rehabilitation facilities or blood COVERAGE banks; 1. Insuring Agreement (4)Housing authorities; a. We will reimburse you for your (5)Port authorities; "workplace violence expenses" that are (6)Schools or school districts;or directly attributable to a "workplace (7)Transit authorities. violence event": If an Amendment Of Coverage - (1) First commencing during the policy Designated Boards, Commissions, Or period;and Governmental Units Or Departments (2)Reported to us as soon as endorsement is included in this practicable after you or any Coverage Part, this exclusion does not "described authorized person" apply to "workplace violence expenses" becomes aware such "workplace arising out of the activities or operations violence event" has occurred, but in of any board, commission, or no event later than 90 days after the governmental unit or department shown end of the policy period. in the Schedule Of Designated Boards, b. The amount we will pay for your Commissions,Or Governmental Units Or "workplace violence expenses" is limited Departments. as described in Section III - Limits Of Law Enforcement Activities Or Insurance. Operations 2. Exclusions "Workplace violence expenses" arising This insurance does not apply to: out of "law enforcement activities or a. Boards, Commissions, Or operations". Governmental Units Or War Departments "Workplace violence expenses" arising "Workplace violence expenses" arising out of: out of the activities or operations of the (1) War, including undeclared or civil following boards, commissions, or war; governmental units or departments: PR T5 67 0318 ©2018 The Travelers Indemnity Company.All rights reserved. Page 1 of 3 EMPLOYMENT-RELATED PRACTICES LIABILITY (2)Warlike action by a military force, covered by this insurance. To the extent including action in hindering or possible,notice should include: defending against an actual or (1) How, when and where the expected attack,by any government, "workplace violence event" took sovereign or other authority using place;and military personnel or other agents; or (2)The names and addresses of any (3)Insurrection, rebellion, revolution, persons or organizations sustaining usurped power, or action taken by injury, damage or loss, and the governmental authority in hindering names and addresses of anywitnesses. or defending against any of these. b. In the event that you incur "workplace 2. The following is added to the violence expenses" because of a SUPPLEMENTARY PAYMENTS Section: "workplace violence event", a "described We will not pay any Supplementary Payments authorized person" must promptly send with respect to payments we make under us a signed, sworn statement that Workplace Violence Expenses Coverage. contains an accounting of the 3. The following is added to SECTION III - "workplace violence expenses" andincludes: LIMITS OF INSURANCE: (1) The nature of the "workplace The Workplace Violence Expenses Limit shown violence expenses"incurred by you; in the Schedule Of Workplace Violence Expenses And Additional Excluded Law Enforcement (2)How, when and where such Activities Or Operations is the most we will pay "workplace violence expenses" were for the sum of all "workplace violence expenses" incurred by you;and that you incur as a result of all "workplace (3)Receipts for all "workplace violence violence events". expenses"incurred by you. The Workplace Violence Expenses Limit shown C. We may inspect and obtain records and in the Schedule Of Workplace Violence Expenses other information proving the And Additional Excluded Law Enforcement workplace violence expenses". You Activities Or Operations is in addition to, and must provide the information we not included within, the Limits Of Insurance request to investigate the claim. You shown in the Declarations of this Coverage Part. must do this within 60 days after our 4. SECTION IV - DEDUCTIBLE or the SELF- request. INSURED RETENTIONS - PUBLIC ENTITY d. You must cooperate with us in the EMPLOYMENT-RELATED PRACTICES investigation of any "workplace violence LIABILITY COVERAGE Section, whichever event"or the investigation or settlement applies, is deleted, but only for purposes of of any claim for "workplace violence Workplace Violence Expenses Coverage. expenses". 5. The following replaces Paragraph 2., Duties In e. You must assist us, upon our request, in The Event Of A Wrongful Employment the enforcement of any right against any Practice Offense, Claim Or Suit, of person or organization which may be SECTION V - PUBLIC ENTITY liable to you because of loss to which EMPLOYMENT-RELATED PRACTICES this insurance may also apply. LIABILITY CONDITIONS, but only for purposes of insurance provided under 6. The following is added to Paragraph 4.b., Workplace Violence Expenses Coverage: Excess Insurance, of SECTION V - PUBLIC ENTITY EMPLOYMENT-RELATED 2. Duties In The Event Of A Workplace PRACTICES LIABILITY CONDITIONS, but Violence Event only for purposes of insurance provided under a. You must see to it that we are notified in Workplace Violence Expenses Coverage: writing as soon as practicable of a This insurance is also excess over any of the workplace violence event that may other insurance whether primary, excess, result in "workplace violence expenses" contingent or on any other basis, that is PR T5 67 0318 ©2018 The Travelers Indemnity Company.All rights reserved. Page 2 of 3 EMPLOYMENT-RELATED PRACTICES LIABILITY available to the insured for expenses we cover "Premises" means the buildings, facilities or under Workplace Violence Expenses properties occupied by you in conducting your Coverage. business. 7. The following is added to the DEFINITIONS "Workplace violence event" means any Section, but only for purposes of insurance intentional: provided under Workplace Violence a. Use of deadly force;or Expenses Coverage: b. Threat of deadly force with the display of a "Law enforcement activities or operations": lethal weapon; a. Means: which occurs on or in the "premises" and which (1) Any of the official activities or did or could result in "bodily injury" or death to operations of your police department or an insured. sheriff agency, including any "Workplace violence expenses" means the moonlighting, secon- Workdary reasonable fees,costs or expenses you incur for: employment or extra- duty assignment a. The services of an independent security approved by such department or consultant for 90 days following a agency; "workplace violence event"; (2)Any of the official activities or b. The services of an independent public operations of your juvenile detention relations consultant for 90 days following a center; "workplace violence event"; (3)Any of the official activities of your C. Counseling services provided to an probation officers, parole officers, employee by an independent consultant on animal control officers or court security the"premises"for up to 120 days following a officers;or "workplace violence event"; (4)Any of the official activities or d. The services of any independent security operations of any person or organization guard and other reasonable costs to secure shown in the Schedule Of Workplace the "premises" for up to 15 days following a Violence Expenses And Additional "workplace violence event";or Excluded Law Enforcement Activities Or Operations,if a person or organization is e. The services of an independent private shown in such schedule. forensic analyst for 120 days following b. Includes: "workplace violence event". (1) Ownership, maintenance or use of a premises that you own,rent or borrow in order to conduct such activities or operations; (2)Ownership or operation of any of your jails, penal institutions, detention centers or similar facilities; (3)Providing first aid;or (4)Providing school security. PR T5 67 0318 ©2018 The Travelers Indemnity Company.All rights reserved. Page 3 of 3 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF JOINT POWERS AUTHORITY DEFINITION This endorsement modifies insurance provided under the following: PUBLIC ENTITY EMPLOYMENT- RELATED PRACTICES LIABILITY COVERAGE PART PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART PROVISIONS 2. The following is added to the DEFINITIONS 1. The following is added to the definition of"joint Section: powers authority"in the DEFINITIONS Section: "Indian tribes" means a tribe, band, pueblo, village, or community of American Indians, or "Joint powers authority" also means any Alaska Natives, that has been recognized as an organization formed by a public entity and one Indian tribe b the government of: or more "Indian tribes" that have agreed in a y g contract or agreement to jointly exercise any a. The United States of America;or power common to them. b. Any state in the United States of America. PR T5 76 0219 ©2018 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 LAW ENFORCEMENT LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - PFAS This endorsement modifies insurance provided under the following: LAW ENFORCEMENT LIABILITY COVERAGE PART PROVISIONS (b)Claim or suit by or on behalf of a 1. The following exclusion is added to Paragraph 2., governmental authority or any other Exclusions, of SECTION I — LAB/ person or organization because of ENFORCEMENT LIABILITY COVERAGE: testing for, monitoring, cleaning up, removing, containing, treating, PFAS detoxifying or neutralizing, or in any way (1) "Bodily injury", "property damage" or responding to, or assessing the effects "personal injury" arising out of the actual or of, "PFAS" or "PFAS-containing alleged presence or actual, alleged or products". threatened discharge, dispersal, seepage, 2. The following is added to the DEFINITIONS migration, release, escape, ingestion, Section: inhalation or absorption of, or exposure to "PFAS" or "PFAS-containing products", "PFAS"means: provided that the "bodily injury", "property a. Any perfluoroalkyl or polyfluoroalkyl damage" or "personal injury" is caused or substance, meaning any fluorinated contributed to by the hazardous properties substance that contains at least one fully of"PFAS". fluorinated methyl or methylene carbon (2)"Bodily injury", "property damage" or atom without any hydrogen, chlorine, "personal injury" arising out of the actual or bromine or iodine atom attached to it;or alleged presence or actual, alleged or b. Any precursor, replacement, degradation or threatened discharge, dispersal, seepage, breakdown by-product of any substance migration, release, escape, ingestion, described in Paragraph a.above. inhalation or absorption of, or exposure to, "PFAS-containing products": any other solid, liquid, gaseous or thermal irritant or contaminant, including smoke, a. Means: vapors, soot, fumes, acids, alkalis, chemicals and waste and that is part of any claim or (1) Any goods or products that contain or "suit" which also alleges any "bodily injury", incorporate"PFAS"in any form;and "property damage" or "personal injury" (2)Containers, materials, parts or described in Paragraph(1)above. equipment furnished in connection with (3)Any loss,cost or expense arising out of any: any such goods or products. (a) Request, demand, order or statutory or b. Includes: regulatory requirement that any insured (1) Warranties or representations made at or others test for, monitor, clean up, any time with respect to the fitness, remove, contain, treat, detoxify or quality,durability,performance or use of neutralize, or in any way respond to, or any such goods or products;and assess the effects of, "PFAS" or (2)The providing of or failure to provide "PFAS-containing products";or warnings or instructions in connection with any such goods or products. PR T5 93 08 23 Page 1 of 1 PUBLIC ENTITY MANAGEMENT LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - PFAS This endorsement modifies insurance provided under the following: PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART PROVISIONS testing for, monitoring, cleaning up, 1. The following exclusion is added to Paragraph 2., removing, containing, treating, Exclusions, of SECTION I — PUBLIC ENTITY detoxifying or neutralizing, or in any way MANAGEMENT LIABILITY COVERAGE: responding to, or assessing the effects of, "PFAS" or "PFAS-containing PFAS products". (1) Loss arising out of the actual or alleged 2. The following is added to the DEFINITIONS presence or actual, alleged or threatened Section: discharge, dispersal, seepage, migration, "PFAS"means: release, escape, ingestion, inhalation or absorption of, or exposure to, "PFAS" or a. Any perfluoroalkyl or polyfluoroalkyl "PFAS-containing products", provided that substance, meaning any fluorinated the loss is caused or contributed to by the substance that contains at least one fully hazardous properties of"PFAS". fluorinated methyl or methylene carbon atom without any hydrogen, chlorine, (2)Loss arising out of the actual or alleged bromine or iodine atom attached to it;or presence or actual, alleged or threatened 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 loss described in Paragraph incorporate"PFAS"in any form;and (1)above. (2)Containers, materials, parts or (3)Any loss,cost or expense arising out of any: equipment furnished in connection with (a) 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, (1) Warranties or representations made at remove, contain, treat, detoxify or 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 any such goods or products;and "PFAS-containing products";or (b)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. PR TS 94 08 23 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IDAHO MANDATORY ENDORSEMENT This endorsement modifies insurance provided under the following: LAW ENFORCEMENT LIABILITY COVERAGE PART PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART TRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PROVISIONS (4)Change in the risk which materially 1. The following replaces Paragraphs 1. and 2. of increases the risk of loss after the the Cancellation Common Policy Condition: policy has been issued or renewed including, but not limited to, an 1. The first Named Insured shown in the increase in exposure due to Declarations may cancel this policy by regulation, legislation or court mailing or delivering to us advance written decision; notice of cancellation. Cancellation will be (5)Loss of or decrease in reinsurance effective on the later of the date requested which provided us with coverage for by the first Named Insured or the date we all or part of the risk insured; receive the request. 2. Policies In Effect (6)A determination by the Director of Insurance that continuation of this a. 60 Days Or Less policy would jeopardize our solvency If this policy has been in effect for 60 or place us in violation of the days or less, we may cancel this policy by insurance laws of Idaho or any other mailing or delivering to the first Named state;or Insured written notice of cancellation at (7) Violation or breach by the insured of least: any policy terms or conditions other (1) 10 days before the effective date of than nonpayment of premium. cancellation if we cancel for We will mail or deliver written notice of nonpayment of premium. If cancellation to the first Named Insured at delivered via United States mail, the least: 10 day notification period begins to a. 10 days before the effective date of run 5 days following the date of cancellation if we cancel for nonpayment postmark;or of premium. If delivered via United (2)30 days before the effective date of States mail, the 10 day notification cancellation if we cancel for any period begins to run 5 days following the other reason. date of postmark;or b. More Than 60 Days b. 30 days before the effective date of If this policy has been in effect for more cancellation if we cancel for any other than 60 days, or is a renewal of a policy reason stated in 2.b.above. we issued,we may cancel this policy only 2. The following condition is added and supersedes for one or more of the following reasons: any other provision to the contrary: (1) Nonpayment of premium; When We Do Not Renew (2)Fraud or material misrepresentation 1. If we elect not to renew this policy, we will made by you or with your knowledge mail or deliver to the first Named Insured a in obtaining the policy, continuing written notice of intention not to renew at the policy or in presenting a claim least 45 days prior to the expiration or under the policy; anniversary date of the policy. (3)Acts or omissions on your part which 2. We will mail or deliver our notice to the first increase any hazard insured against; Named Insured's last mailing address known to us. PR FO 26 0117 © 2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 Includes copyrighted material of Insurance Services Office,Inc.with its permission. 3. If notice is not mailed or delivered at least 45 2. Any such notice will be mailed or delivered to days before the expiration or anniversary the first Named Insured at least 30 days date of this policy, this policy will remain in before the expiration or anniversary date of effect until 45 days after notice is mailed or the policy. delivered. Earned premium for the extended 3. If notice is not mailed or delivered at least period of coverage will be calculated pro rata 30 days before the expiration or anniversary at the rates applicable to the expiring policy. date of the policy, the premium, deductible, 4. We need not mail or deliver this notice if: limits and coverage in effect prior to the a. We have offered to renew this policy; changes will remain in effect until the earlier of the following: b. You have obtained replacement a. 30 days after notice is given;or coverage;or C. You have agreed in writing to obtain b. The effective date of replacement replacement coverage. coverage obtained by the first Named Insured. 5. If notice is mailed, proof of mailing will be 4. If the first Named Insured accepts the sufficient proof of notice. renewal, the premium increase, if any, and 3. The following condition is added and supersedes other changes will be effective on and after any other provision to the contrary: the first day of the renewal term. Premium Or Coverage Changes At 5. If the first Named Insured elects not to Renewal renew,any earned premium for the resulting 1. If we elect to renew this policy, we will mail extended period of coverage will be calculated pro rata at the lower of the new or deliver written notice of any total rates or rates applicable to the expiring premium increase greater than ten percent policy. (10%) which is the result of a comparable increase in premium rates, change in 6. If notice is mailed, proof of mailing will be deductible,reduction in limits or reduction in sufficient proof of notice. coverage to the first Named Insured, at the last mailing address known to us. PR FO 26 0117 © 2016 The Travelers Indemnity Company.All rights reserved. Page 2 of 2 Includes copyrighted material of Insurance Services Office,Inc.with its permission. LAW ENFORCEMENT LIABILITY POLICY NUMBER:ZLP-91N68510-24-PB ISSUE DATE:10/21/24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. STATUTORY CAP LIMITS OF INSURANCE ENDORSEMENT - LAW ENFORCEMENT LIABILITY - IDAHO This endorsement modifies insurance provided by the following: LAW ENFORCEMENT LIABILITY COVERAGE PART SCHEDULE OF STATUTORY CAP LIMITS Idaho Statutory Cap Total Limit: $500,000 PROVISIONS b. That are subject to Idaho's statutory cap on The following is added to Paragraph 3.of SECTION damages for governmental tort liability in Idaho III - LIMITS OF INSURANCE' Code Section 6-926 or any amendments to that section. Subject to the Each Wrongful Act Limit, the Idaho Statutory Cap Limit, shown in the Schedule of Statutory Cap Limit, is the most we will pay for the sum of all damages: a. Because of all"bodily injury","property damage" and "personal injury" caused by the same "wrongful act"or"related wrongful acts";and PR F115 02 09 ©2009 The Travelers Companies, Inc. Page 1 of 1