HomeMy WebLinkAboutWESTBOUND COMMUNICATIONS - 2015 - 1ST AMENDINSURANCE N(Yf ON FILE
WORK MAY (QI PROCEED a- zoas- aaz -oa
CLERK OF COUNCIL.
DATE:
FIRST AMENDMENT TO CONSULTANT AGREEMENT
THIS FIRST AMENDMENT TO AGREEMENT is made and entered into this 1411' day
of Ame, 2016, by and between Westbound Communications, Inc. ( "Consultant ") and the City of
Santa Ana, a charter city and municipal corporation organized and existing under the
Constitution and laws of the State of California ( "City "),
RECITALS
A. 'The City and Consultant entered into Agreement No. A- 2015 -112 dated June 16, 2015
for a consultant having special shill and knowledge in the field of public outreach and
promotional services related to the ReadyOC (ROC) Emergency Preparedness
Campaign and the "If You See Something, Say Something" (S4) Campaign.
B. In accordance with the terms and conditions of said Agreement, the Parties desire to
amend the scope of services of the Agreement to address services to be provided
pursuant to fiscal year 2015 funding; amend the language on the certifications and
exercise its option to extend the term of said Agreement for an additional one year.
NOW THEREFORE, in consideration of the mutual and respective promises, and subject to the
terms and conditions hereinafter set forth, the parties agree as follows:
1. Section 1. SCOPE OF SERVICES, shall be amended as described and set forth
in Exhibit A for Consultant ReadyOC (ROC) and as described and sot forth in Exhibit B for
Consultant "If You See Something, Say Something." Exhibits are attached hereto, and
incorporated by reference to this Agreement.
2. Section 3. TERM, shall be amended to extend the tern of the Agreement for an
additional one -year period, from Jima 15, 2016 to June 15, 2017.
3. Paragraph 8, CERTIFICATIONS, shall be amended as described and set forth
in Exhibit C attached hereto, and incorporated by reference to this Agreement.
Except as hereinabove modified, the terms and conditions of said Agreement remain
unchanged and in full force and effect.
IN WITNESS WHEREFOR, the Parties hereto have executed the First Amendment to
the Agreement the date and year first above written.
ATTEST:
MARIA. D. HUIZAR
Cleric of the Council
CITY OF CITY OF SANTA ANA
DAVID CAVAZOS
City Manager
Page 1 of 2
APPROVED AS TO FORM:
SONIA R. CARVALHO
City Attorney
t?"kA4,VLA,
By: LAURA A. ROSSINI
Senior Assistant City Attorney
RECOMMENDED FOR APPROVAL WESTBOUND COMMUNICATIONS, INC.
e LOS ROJAS TT PRESIDENT & CEO
Chief of Police
Page 2 of 2
EXHIBIT A
FYI READYOC STATEMENT OF WORK
General Information:
The following Statement of Work (SOW) defines the principle activities and responsibilities of
all parties for public outreach services to support the ReadyOC (ROC) Emergency
Preparedness Campaign. This scope of work shall stand as an agreement between the City of
Santa Ana (herein after Santa Ana) and Westbound Communications (herein after WBC) for
the contracted period.
WBC will supply the following services:
o ROC Website Management
• Site content updating
• Social media content updating
• Site optimization
• Site maintenance
ROC Advertising and Promotional Communications
• Paid advertising
• Social media outreach
• Broadcast news promotions
• Media /corporate promotions
• Publicity services
Public Information Outreach Support for ROC Program
o Multimedia production and outreach
o Citizen and faith -based outreach
o Project Administration Services
No deviation of this SOW will be allowed without written consent from the Santa Ana Project
Manager. Nevertheless, Santa Ana recognizes that projects of this magnitude will likely
encounter various unforeseeable events that may cause tasks to overlap or change, and such
change will be permissible with the written approval of the Santa Ana Project Manager.
This SOW is contingent upon both WBC and Santa Ana fulfilling their respective
responsibilities as defined in the Agreement and within this document.
Contents
The following are included with this SOW:
• Task Descriptions
• Project Change Order
• Project Schedule
• Milestone Payment Schedule
General Project Management Responsibilities
Project management occurs throughout the project and is involved in every task. The overall
project management activities are listed here for reference.
Westbound Responsibilities:
a. Maintain project communications with Santa Ana's Project Manager.
b. Manage the efforts of the WBC staff and coordinate WBC activities with the Santa Ana
Project Manager.
c. Conduct on -site status meetings with Santa Ana's Project Manager on a monthly basis
or when reasonably required at the discretion of Santa Ana to discuss project status.
d. Provide timely responses, within ten (10) business days, to issues raised by Santa
Ana's Project Manager.
e. Prepare and submit, no later than the fifth business day of each month, a status activity
report that includes: the accomplishments of the previous month, activities planned for
the current month and any update to the project schedule.
f. Prepare and submit project Change Proposals to Santa Ana's Project Manager as
necessary.
g. Prepare and submit Task Completion Letter(s) with appropriate invoices to Santa Ana's
Project Manager.
Santa Ana Responsibilities:
a. Maintain project communications with the WBC Project Manager.
b. Manage the efforts of ROC involved staff and coordinate ROC activities with the WBC
Project Manager.
c. The Project Manager must ensure that personnel have ample time, resources, and
expertise to carry out their respective tasks and responsibilities.
d. The Project Manager or his designee will participate in status meetings with the WBC
Project Manager on a monthly basis or as may otherwise be reasonably required to
discuss project status.
e. Provide timely responses, within ten (10) business days, to issues raised by the WBC
Project Manager.
f. Liaison with all Santa Ana - provided third -party vendors and associated systems.
g. Ensure acceptable Change Orders are approved by authorized signature(s).
h. Ensure acceptable Task Completion Letter(s) are approved by the Project Manager or
his designee.
i. Ensure timely payment of invoices.
j. Ensure WBC access to server and network equipment and work areas on a 247 basis,
with pre- authorization for off - hours.
k. Provide workspace for WBC personnel as reasonably requested.
SOW Format:
Each task includes the following: Title, Objective, Task Description, Responsibilities and
Completion Criteria. The tasks are depicted on the project schedule. All parties recognize that
the SOW is not formatted chronologically with contractual obligations defaulting to the Project
Schedule unless otherwise noted.
TASK 1: 2016 READYOC MARKETING ROAD MAP
Objective:
Create and establish a formal marketing plan and road map to best promote and provide
outreach for ROC in 2016. The road map will include project schedules, management
procedures and proposed activities.
Task Description:
Develop, refine, review and approve plan for all 2016 initiatives, including the marketing plan
and project schedule. Activities include:
a. 2016 Launch Meetings — conduct meetings with Santa Ana Project Manager and ROC
Steering Committee to outline strategies and recommendations for 2016 and to get
approval to proceed with the 2016 Road Map.
b. 2016 Marketing Road Map — develop comprehensive marketing communications and
promotions plan detailing strategies, objectives, tasks, schedules and metrics for all
ROC and Promise to Prepare (P2P) activities during the contracted period. This
includes delivery of a 50 -60 slide PowerPoint deck plan that details all strategic goals
and programming.
c. Project Schedule — develop and complete a comprehensive project schedule that
details timing for all activities.
d. Project Management & Control Procedures — review and update, as needed, all control
and administrative procedures (change orders, approval processes, etc.) and
documents.
Responsibilities:
WBC shall:
a. Develop the initiative and seek plan approval from the ROC Steering Committee
b. Execute the promotion in accordance with the approved plan
Santa Ana shall:
a. Approve plan and promotion elements
Completion Criteria:
This task is considered complete upon the completion of the deliverables detailed in the task
description above and when the Santa Ana Project Manager signs the task completion letter.
Planned completion and invoicing will be July 2016.
TASK 2: READYOC STAKEHOLDER MEETING & PROMOTIONS
Objective:
Manage campaign updates, administration and promotions to the Steering Committee and
Santa Ana Project Manager through activities including, but not limited to, meetings, monthly
activity reporting, programming documentation, regular communications and presentations to
Steering Committee and corresponding agency partners (ex: OCEMO).
Task Description:
Provide campaign and promotion updates to the Santa Ana Project Manager through daily and
weekly phone calls, emails and meetings (as needed). Manage the ongoing reporting and
measurement of campaign data including event impressions, media coverage, social media
impressions and website traffic, among others. Maintain weekly and monthly communication
with the Steering Committee, including at least one in- person meeting a quarter. Conduct up to
six presentations or meetings with agency and campaign partners.
Responsibilities:
WBC shall:
a. Coordinate, manage and participate in at least one Steering Committee meeting per
quarter
b. Provide daily, weekly and monthly campaign and promotion updates to the Santa Ana
Project Manager
c. Manage the weekly and monthly reporting of campaign measurement
d. Manage ongoing expense tracker, budget and campaign schedule
e. Submit task completion letters with task invoices to the Santa Ana Project Manager
Santa Ana shall:
a. Approve campaign progress, updates and promotions
b. Support and facilitate partnering and sponsorship efforts with Steering Committee
Completion Criteria:
This task is considered complete upon completion of administrative deliverables and when the
Santa Ana Project Manager signs the task completion letter by Summer 2016.
TASK 3: READY TOGETHER PROMOTION
Objective:
Expand the "Ready Together" initiative that empowers neighbors to help each other take
emergency preparedness action. This initiative extends the Promise to Prepare programming
by providing preparedness tools, resources, support and connections to help neighbors and
neighborhood -based organizations prepare for emergencies through action. The emphasis will
be on strong public outreach presence, programming, media and marketplace exposure
through the end of the contract cycle.
Task Description:
This promotion includes working directly within communities and neighborhoods, collaborating
with and supporting CERTS, neighborhood councils, HOAs, cities and others, and partnering
with neighbor -based businesses and organizations. The quantifiable goals will be to collect
and document Promises to Prepare from Orange County residents, businesses and
community members. This will be achieved through public outreach and media promotions
including, but not limited to, the ROC Preparedness Bucket List campaign, radio promotion,
video public service announcement (PSA) creation, smartphone app management and
enhancements and publicity outreach.
Responsibilities:
See sub -tasks for specifics.
Completion Criteria:
This task is considered complete when all budgeted sub -tasks have been completed in their
respective entirety and when the Santa Ana Project Manager signs the task completion letter.
TASK 3 -A: READY TOGETHER PROMOTION — SUMMER 2016
Objective:
Plan, develop and begin Year 2 implementation of the "Ready Together" concept, leveraging
the success and ]earnings from Year 1 (2015) launch efforts.
Task Description:
This phase includes refining Year 1 programming elements and crafting the 2 -3 page game
plan for Year 2, including selected events and /or activities for the year, any additional materials
needs or reproductions (fact sheets, giveaways), etc.
Responsibilities:
WBC shall:
Plan and develop the program with approvals from the ROC Steering Committee
Execute the program in accordance with approved plans
Santa Ana shall:
Approve initiative concepts and materials
Support and facilitate partnering and sponsorship efforts
Completion Criteria:
This task is considered complete upon completion of all tasks and when the Santa Ana Project
Manager signs the task completion letter. Planned completion and implementation will be by
summer 2016.
TASK 3 -13: READY TOGETHER PROMOTION — FALL/WINTER 2016
Objective:
Implement the "Ready Together' programming based on the developed plan as described
above.
Task Description:
This phase includes conducting up to two (2) events focused around the "Ready Together'
message and programming platform. These events may be stand -alone or as part of
appropriate local neighborhood festivals, block parties, church events and other hyper -local
venues. The goals are to support awareness and help generate at least 500 Promises to
Prepare.
Responsibilities:
WBC shall:
a. Plan and develop the program with approvals from the ROC Steering Committee
b. Execute the program in accordance with approved plans
E IIfL1if��iF111
Approve initiative concepts and materials
Support and facilitate partnering and sponsorship efforts
Completion Criteria:
This task is considered complete upon completion of all tasks and when the Santa Ana Project
Manager signs the task completion letter. Planned completion and implementation will be by
fall /winter 2016.
TASK 3 -C: READY TOGETHER PROMOTION — WINTER /SPRING 2017
Objective:
Implement the "Ready Together' programming based on the developed plan as described
above.
Task Description:
This phase includes conducting up to two (2) events focused around the `Ready Together"
message and programming platform. These events may be stand -alone or as part of
appropriate local neighborhood festivals, block parties, church events and other hyper -local
venues. The goals are to support awareness and help generate at least 500 Promises to
Prepare.
Responsibilities:
WBC shall:
a. Plan and develop the program with approvals from the ROC Steering Committee
b. Execute the program in accordance with approved plans
Santa Ana shall:
a. Approve initiative concepts and materials
b. Support and facilitate partnering and sponsorship efforts
Completion Criteria:
This task is considered complete upon completion of all tasks and when the Santa Ana Project
Manager signs the task completion letter. Planned completion will be by spring 2017.
TASK 4: PROMISE TO PREPARE (P2P) PROMOTION
Objective:
Extend and maintain the momentum of the P2P program. The emphasis will be on strong
public outreach presence, programming, media and marketplace exposure through the end of
the contract period.
Task Description:
The promotion includes the ongoing public pronouncement that ROC will achieve tangible
steps towards preparedness, Promises to Prepare, from Orange County residents, businesses
and community members. This will be achieved through public outreach and media promotions
including, but not limited to, the ROC Preparedness Bucket List campaign, radio promotion,
video public service announcement (PSA) creation, smartphone app management and
enhancements and publicity outreach.
Responsibilities:
See sub -tasks for specifics.
Completion Criteria:
This task is considered complete when all budgeted sub -tasks have been completed in their
respective entirety and when the Santa Ana Project Manager signs the task completion letter
TASK 4 -A: ROC EMERGENCY PREPAREDNESS BUCKET LIST
Objective:
Plan, develop and implement concept, distributing a minimum of 1,000 branded five - gallon
ROC emergency preparedness buckets to Orange County community members by Q4 2015
(Note: WBC in collaboration with the Santa Ana Project Manager will seek to expand the
number of distributed buckets through partnering /sponsorship efforts with the Corporate
Advisory Council and other community stakeholder groups.)
Task Description:
Expand and enhance the existing Preparedness Bucket List program momentum that
encourages Orange County residents to add preparedness to their "bucket list" — i.e. making
sure residents receive a bucket and begin gathering emergency kit items. The ROC - branded
buckets will be selectively promoted and distributed to OC community members as a
demonstration of a simple preparedness step with suggestions included of what key
emergency kit items to place within it. Along with serving as a tangible action step toward
preparedness, the bucket concept offers numerous promotional opportunities via publicity, the
website, social media and other ROC communication channels. An initial quantity of 1,000
branded buckets will be produced. WBC and the ROC team will also seek to expand the
program and amount of buckets to be distributed via corporate and business partnerships and
sponsorships.
Responsibilities:
WBC shall:
a. Plan and develop the program with approvals from the ROC Steering Committee
b. Execute the program in accordance with approved plans
Santa Ana shall
a. Approve initiative concepts and materials
b. Support and facilitate partnering and sponsorship efforts
Completion Criteria:
This task is considered complete upon the distribution of a minimum of 1,000 buckets and
when the Santa Ana Project Manager signs the task completion letter. Planned completion and
implementation will be by fall 2016 /winter 2017.
TASK 4 -13: MEDIA PROMOTIONS
Objective:
Develop and implement media promotions and concentrated publicity outreach to local print,
online and broadcast outlets to promote ROC programming elements, the Promise to Prepare
initiatives and our calendar of activities.
Task Description:
Develop and implement media promotions including, but not limited to, management and
enhancement of the ROC smartphone app, Clear Channel or other radio promotion campaign
packages, video PSA creation and media outreach to local outlets to direct OC residents to
commit to preparedness steps. Task includes ongoing measurement and tracking of
promotional elements.
Activities will include:
a. Manage and Enhance ROC Smartphone App — track downloads weekly, send monthly
push notifications, update technical features and enhance smartphone app for Apple
and Android mobile and tablet products with a new feature such improvement
navigation and database functionality.
i. App Promotion Plan & Program — develop and implement plan to promote and
drive app downloads. This will include a mix of publicity, advertising, video,
website, social media and other offline and online marketing elements.
b. Advertising and Online Promotion — a plan will be developed and implemented for a
promotional period to take place by the end of Q4 2016. The plan will consist of both on-
air and online outreach components.
i. Work directly with radio, broadcast and /or online partner on the management of
the promotional period, including developing copy for potential advertising spots
and PSAs, completing air checks, securing data from the online components,
and reporting results to the ROC Steering Committee.
c. Publicity Outreach — create media lists, press releases, media alerts and conduct
outreach to targeted local media outlets to achieve three feature editorial hits between
Q3 and Q4 2016. Manage and edit submissions for columns to the south and north
county community paper editors for placement.
d. Video PSA — create at least one updated and engaging video PSA via Animoto or
similar application to increase exposure of ROC in OC community via the ROC
website, YouTube channel, city websites and potentially local public access stations.
Responsibilities:
WBC shall:
a. Develop the initiative and seek plan and program approval from the ROC Steering
Committee
b. Execute the promotions in accordance with the approved plan
Santa Ana shall:
a. Approve plan and promotion elements
Completion Criteria:
This task is considered complete upon the completion or booking and scheduling of the
deliverables, given media requirements in some instances for upfront payment and when the
Santa Ana Project Manager signs the task completion letter. Planned completion and
implementation will be by spring 2017.
TASK 5: EDUCATION -BASED OUTREACH
Objective:
Continue to execute activities with OC education organizations, schools and after - school
programs to support ROC emergency preparedness efforts and the Promise to Prepare
initiative. This includes advancing and increasing program exposure by creating and
implementing programming that elevates the Ready Fox character as an even more dominant
anchor for assembly, community and expanded media outreach.
Task Description:
See sub -tasks for specifics.
Responsibilities:
See sub -tasks for specifics.
Completion Criteria:
This task is considered complete when all budgeted sub -tasks have been completed in their
respective entirety.
TASK 5 -A: READY FOX MASCOT EXPANSION PROGRAM (SUMMER/FALL 2016)
Objective:
Craft and implement an elevated role for the Ready Fox character from a puppet to a mascot
that helps significantly expand exposure opportunities for all education programming. This
includes continuing to connect the character with the successful Officer Friendly school and
after - school assembly initiative, but transitioning the "leadership" of efforts to Ready Fox. This
will be accomplished through a multitude of activities, including expanded assemblies,
presentations to community and stakeholder groups, bus advertising and more.
Task Description:
Handle all aspects of programming, materials development and distribution, school assemblies
and other activities /events. This task includes creating a 3 -4 page work plan complete with a
calendar of planned milestone moments.
Broadly, activities are anticipated to include
Ready Fox Characterization — explore opportunities to elevate the Ready Fox character
to eventually serve as an anchor communication tool for outreach to students. A plan of
potential options will be provided to the Project Manager for review, consideration and
approval.
Milestone Moments — identify, pursue and coordinate formal recognition opportunities
(OC Board of Directors, City of Santa Ana council, etc.) for Officer Friendly and the
expanded Ready Fox character to celebrate past successes and introduce the
expanded efforts going forward.
c. Elementary School Assembly Program - extend and implement elementary school
assembly program and promotion throughout Orange County, seeking to conduct
approximately 12 total assemblies during the contracted period, or an average of five
assemblies per month.
i. This encompasses scheduling, supporting and promoting assemblies leveraging
Officer John Reed with elementary schools throughout Orange County.
ii. Officer John Reed is responsible for conducting assemblies on his own, with the
exception of 1 -2 assemblies which will be additionally staffed for formal research
and feedback as well as for quality control.
iii. Tasks include booking assemblies, managing the annual calendar, promoting
events through OCDE, school districts and individual school sites, capturing,
posting and distributing video, photos and other content, creating and distributing
information kits (with kit assembly assistance from Officer Reed), post -event
school follow -up and more.
d. OCDE & School Districts Communication Program - develop and disseminate regular
quarterly communications that promote ROC and P2P emergency preparedness
initiatives to and through the county (OCDE) and school districts.
Responsibilities:
WBC shall:
a. Develop the initiative and seek plan approval from the ROC Steering Committee
Santa Ana shall:
a. Approve plan and activities
Completion Criteria:
This task is considered complete upon delivery of presentations to the required schools and
when the Santa Ana Project Manager signs the task completion letter. Completion is planned
to occur by fall 2016.
TASK 5 -B: MEDIA OUTREACH FEATURING READY FOX (WINTER 2016)
Objective:
Expand and execute activities with OC education organizations, schools and after - school
programs to support ROC emergency preparedness efforts and the Promise to Prepare
initiative for the 2016 winter programming.
Task Description:
Handle all aspects of programming, materials development and distribution, school assemblies
and other activities /events. This task includes working with schools across OC to promote the
P2P initiatives including communications to the region's 180 -plus schools and nearly 200,000
student -base, as well as direct outreach to 10,000 -plus elementary -aged children.
Broadly, activities are anticipated to include
a. Officer Friendly & Ready Fox Media Campaign — create and implement a new and
expanded media promotion throughout Orange County using visuals of John Reed and
10
Ready Fox to share the message of preparedness among the community. This may
include bus ads, in- school poster promotions, sponsored school communications (e-
newsletters, school district publications, school websites and more).
b. OCDE & School Districts Communication Program - develop and disseminate regular
quarterly communications that promote ROC and P2P emergency preparedness
initiatives to and through the county (OCDE) and school districts.
Responsibilities:
WBC shall:
a. Develop the initiative and seek plan approval from the ROC Steering Committee
Santa Ana shall:
a. Approve plan and activities
Completion Criteria:
This task is considered complete upon delivery of presentations to the required schools and
when the Santa Ana Project Manager signs the task completion letter. Completion is planned
to occur by winter 2016.
TASK 5 -C: PROFESSIONAL SERVICES STAFFING
Objective:
Provide professional staffing through Officer John Reed for education -based outreach such as
school assemblies, after - school programs and other similar activities supporting the ROC
campaign.
Task Description:
Officer Reed leads all staffing for school assemblies and other education -based programming.
This includes staffing a minimum of two dozen elementary school assembly programs based
on an annual events calendar coordinated, booked and administered by the Westbound team.
This task covers both professional services fees and out of pocket costs for expenses such as
mileage and materials.
Responsibilities:
WBC shall:
a. Develop the initiative and seek plan approval from the ROC Steering Committee
Santa Ana shall:
a. Approve plan and activities
Completion Criteria:
Services and costs under this task, since they are professional services, are invoiced monthly
as accrued by Officer Reed. Detailed time sheets and expense reports will be submitted with
all invoices. Completion of all assignments under this contract will occur by spring 2017.
ii
TASK 6: COMMUNITY & CITIZENS OUTREACH
Objective:
Develop and implement ongoing community and citizens' outreach at targeted community,
emergency preparedness, faith -based and other designated events and /or presentation
venues, seeking to reach and engage with hundreds of thousands of citizens and community
members.
Task Description:
See sub -tasks for specifics.
Responsibilities:
See sub -tasks for specifics.
Completion Criteria:
This task is considered complete when all budgeted sub -tasks have been completed in their
respective entirety.
TASK 6 -A: COMMUNITY & CITIZENS OUTREACH (SUMMER /FALL 2016)
Objective:
Develop and implement ongoing community and citizens' outreach at targeted community,
emergency preparedness, faith -based and other designated events and /or presentation
venues, seeking to reach and engage with hundreds of thousands of citizens and community
members.
Task Description:
Calendar, staff and manage up to 8 community (ex. Rossmoor Community Festival) and
emergency preparedness (ex. SMWD Water Awareness Day) events as well as presentations
and faith -based Ready Sunday events to targeted community organizations /groups.
Activities include:
a. Master Community & Citizen Events Calendar - create and manage a master annual
calendar for all milestone events that ROC will participate in and /or staff in support of
emergency preparedness outreach efforts and the P2P initiative.
b. Event Promotion & Staffing - promote and staff (as appropriate) up to 8 community
events throughout Orange County that are aligned with the Master Community & Citizen
Events Calendar. Event activities may include table displays, team presentations,
ROC /P2P materials and giveaway distribution and more.
c. ROC Angel's Night 2016 — seek to revisit booking, managing, staffing and implementing
promotional partnership event at Angel's Baseball home game to include in -game and
pre -game promotional elements.
Responsibilities:
WBC shall:
a. Develop the outreach and seek plan approval from the ROC Steering Committee
b. Execute the outreach in accordance with the approved plan
12
Santa Ana shall:
a. Approve plan and promotional elements
Completion Criteria:
This task is considered complete upon the completion of the calendared event outreach and
when the Santa Ana Project Manager signs the task completion letter. Completion is planned
for summer /fall 2016.
TASK 6 -B: COMMUNITY & CITIZENS OUTREACH (WINTER 2016 /SPRING 2017)
Objective:
Develop and implement ongoing community and citizens' outreach at targeted community,
emergency preparedness, faith -based and other designated events and /or presentation
venues, seeking to reach and engage with hundreds of thousands of citizens and community
members.
Task Description:
Calendar, staff and manage up to 8 community (ex. Cypress Community Festival) and
emergency preparedness (ex. Dana Point Preparedness Expo) events as well as
presentations and faith -based Ready Sunday events to targeted community
organizations /groups.
Activities include:
Master Community & Citizen Events Calendar - create and manage a master annual
calendar for all milestone events that ROC will participate in and /or staff in support of
emergency preparedness outreach efforts and the P2P initiative.
Event Promotion & Staffing - promote and staff (as appropriate) up to 8 community
events throughout Orange County that are aligned with the Master Community & Citizen
Events Calendar. Event activities may include table displays, team presentations,
ROC /P2P materials and giveaway distribution and more.
Responsibilities:
WBC shall:
a. Develop the outreach and seek plan approval from the ROC Steering Committee
b. Execute the outreach in accordance with the approved plan
Santa Ana shall:
a. Approve plan and promotional elements
Completion Criteria:
This task is considered complete upon the completion of the calendared event outreach and
when the Santa Ana Project Manager signs the task completion letter. Completion is planned
by spring 2017.
13
TASK 7: 2016/2017 CORPORATE ADVISORY COUNCIL (CAC) & PARTNERING
Objective:
Continue managing current CAC group with emphasis on enhancing participation benefits,
retaining current active members for 2016 and through spring 2017, and expanding successes
in leveraging CAC resources, connections and contributions to the overall ROC initiative during
the year.
Task Description:
See sub -tasks for specifics.
Responsibilities:
See sub -tasks for specifics.
Completion Criteria:
This task is considered complete when all budgeted sub -tasks have been completed in their
respective entirety.
TASK 7 -A: CAC & PARTNERING (SUMMER /FALL 2016)
Objective:
Continue managing current CAC group with emphasis on enhancing participation benefits,
retaining current active members for 2016, and expanding successes in leveraging CAC
resources, connections and contributions to the overall ROC initiative during the year.
Task Description:
Continue momentum to expand the success of the council to help provide opportunities,
extensions, and ongoing support for ROC. Activities include:
a. CAC Designated Ambassador — continue to leverage and refine the designated CAC
ambassadors to facilitate and deepen relationship efforts.
b. One -on -One Outreach Tour — continue successful strategy to outreach to CAC
members in a high- touch, one -to -one manner to generate customized opportunities for
promotional investment and support of the ROC campaign.
Responsibilities:
WBC shall:
a. Develop and implement the program with approval from the ROC Steering Committee
Santa Ana shall:
a. Approve the program and promotional efforts
Completion Criteria:
This task will be implemented throughout the performance period and when the Santa Ana
Project Manager signs the task completion letter. Completion is planned to occur by fall 2016.
TASK 7 -13: CAC & PARTNERING (WINTER 2016 1SPRING 2017)
14
Objective:
Continue managing current CAC group with emphasis on enhancing participation benefits,
retaining current active members for 2016 and into 2017, and expanding successes in
leveraging CAC resources, connections and contributions to the overall ROC initiative during
the year.
Task Description:
Continue momentum to expand the success of the council to help provide opportunities,
extensions, and ongoing support for ROC. Activities include:
a. CAC Designated Ambassador — continue to leverage and refine the designated CAC
ambassadors to facilitate and deepen relationship efforts.
b. One -on -One Outreach Tour — continue successful new strategy to outreach to CAC
members in a high- touch, one -to -one manner to generate customized opportunities for
promotional investment and support of the ROC campaign.
c. CAC Recognition Program — formalize development and implementation of recognition
program for CAC members that elevates the prestige for and expands the interest in
promoting ROC and emergency preparedness.
Responsibilities:
WBC shall:
a. Develop and implement the program with approval from the ROC Steering Committee
Santa Ana shall:
a. Approve the program and promotional efforts
Completion Criteria:
This task will be implemented throughout the performance period and when the Santa Ana
Project Manager signs the task completion letter. Completion is planned by spring 2017.
TASK 8: WEBSITE, SOCIAL MEDIA & ONLINE OUTREACH AND MAINTENANCE
Objective:
Update, manage, host and maintain the ReadyOC.org website and provide recommendations
for updates to improve the user experience and functionality. Also update, manage and
maintain campaign social media channels 2417 during the contract term. Website and social
media will be leveraged to continue to support the campaign's public awareness and
engagement activities.
Task Description:
See sub -tasks for specifics.
Responsibilities:
See sub -tasks for specifics.
Completion Criteria:
This task is considered complete when all budgeted sub -tasks have been completed in their
respective entirety.
15
TASK 8 -A: WEBSITE, SOCIAL MEDIA & ONLINE OUTREACH AND MAINTENANCE
(SUMMER /FALL 2016)
Objective:
Update, manage, host and maintain the ReadyOC.org website and provide recommendations
for updates to improve the user experience and functionality. Also update, manage and
maintain campaign social media channels, Twitter, Facebook, Instagram and YouTube, 24/7
through the fall 2016.
Task Description:
Handle all aspects of website and social media updates, optimization, hosting, maintenance,
management and metrics /reporting needs in accordance with ROC approved processes and
protocols.
a. Web Hosting Service — coordinate and maintain third party hosting service for website
on annual basis with service provider such as Arvixe
b. Interactive Web Elements - create and implement three Animoto presentations (online
video /photo presentations) and three new focus area updates for the website homepage
per month
c. Quality Check — implement a quality check of all links, content and verbiage of the
ReadyOC.org website to ensure content is up -to -date for visitors
d. Social Media Content - create and share engaging photo, video and relevant
preparedness content via social media channels daily, tracking the impressions weekly
Responsibilities:
WBC shall:
a. Develop the initiative, elements and seek plan approval from the ROC Steering
Committee
Santa Ana shall:
a. Approve web elements, collateral materials and social media plan
Completion Criteria:
This task is considered complete upon the completion of the support period and when the
Santa Ana Project Manager signs the task completion letter. Completion is planned by fall
2016.
TASK 8 -13: WEBSITE, SOCIAL MEDIA & ONLINE OUTREACH AND MAINTENANCE
(WINTER 2016 /SPRING 2017)
Objective:
Update, manage, host and maintain the ReadyOC.org website and provide recommendations
for updates to improve the user experience and functionality. Also update, manage and
maintain campaign social media channels, Twitter, Facebook, Instagram and YouTube, 24/7
during this period.
Task Description:
16
Handle all aspects of website and social media updates, optimization, hosting, maintenance,
management and metrics /reporting needs in accordance with ROC approved processes and
protocols.
a. Web Hosting Service — coordinate and maintain third party hosting service for website
on annual basis with service provider such as Arvixe
b. Interactive Web Elements - create and implement two Animoto presentations (online
video /photo presentations) and three new focus area updates for the website homepage
per month
c. Quality Check — implement a quality check of all links, content and verbiage of the
ReadyOC.org website to ensure content is up -to -date for visitors
d. Social Media Content - create and share engaging photo, video and relevant
preparedness content via social media channels daily, tracking the impressions weekly
Responsibilities:
WBC shall:
a. Develop the initiative, elements and seek plan approval from the ROC Steering
Committee
Santa Ana shall:
a. Approve web elements, collateral materials and social media plan
Completion Criteria:
This task is considered complete upon the completion of the support period and when the
Santa Ana Project Manager signs the task completion letter. Completion is planned for spring
2017.
TASK 9: COLLATERAL & PROMOTIONAL MATERIALS
Objective:
Develop, produce and update ROC and P2P collateral materials and promotional materials for
use in all programming as appropriate.
Task Description:
Handle design, writing, production and distribution of all materials supporting ROC and P2P
initiatives.
a. Collateral Materials
i. ROC Preparedness Bucket List Flyers, 2,000 total quantity
ii. ROC Family Emergency Plans, 15,000 total quantity
iii. P2P Fact Sheets, 15,000 total quantity
b. Promotional Materials
i. ROC /P2P Wristbands, 10,000 total quantity
ii. ROC /P2P Emergency Document Bags, 15,000 total quantity
iii. ROC /P2P Hand -Crank Flashlights, 1,000 total quantity
Responsibilities:
WBC shall:
a. Develop all materials and seek approvals from the ROC Steering Committee
17
b. Produce materials in accordance with Steering Committee approvals
6MI , FlIll MF ITI A
a. Approve materials
Completion Criteria:
This task is considered complete upon the order or delivery of the promotional materials, given
requirements in some instances for upfront payment, and when the Santa Ana Project
Manager signs the task completion letter. Completion is planned to occur by the end of fall
2016.
18
1"
04
CL
LO
YV
E
E
E
>4
m
CL
(D
a
0
0
0
C�
Ci
Ci
Ct
cl
0
CD
Pt
W
0
0
q
0
V}
0
P
Ct
a
6%
Q
O
fA
P
m
6F}
6
0
C
N
EH
6
0
0
N
69
6
0
C
w
6r,
O
0
0
co
(a
6 6
O P
n
ol} 4Pr
6
O�
ell
C5
C5
ti
O
'o
LL
N
Lu
E
U
E E
Z
to
W
a) 0
V)
(n
C
LL
Z
r-
C
a
1,
C9
0
(D
N=
w
E
<z
2 2
E
Z—
E
l
4c
q c
LmL
CN
("U
z
a)
m
W
U
o
E
M
0
LL
CL
0
0 0
W
=
U)
LL
=
0
W
0
a
z
o-
m Z
<
0
-
r
z
I
I
c
<D
c
(D
of
0
LLI
c 0
ul
o
0
0
0
1-
ce
Z
Z
o
LU
-0
,
*�
0
0
M
0
z
Z
2
0
0
E
0
E
0
E
o
m
uj
co
:) 0
0
0
ad
SR
0
2
0
2
2
w
CL
lz
x
0
0
0
0
0
Lu
LL,
0
0
�L
1
M
W
w
0 N
N
>-
<
25
:5
0
R
-j
w
-
a
o
IL
E
Z =
LL, C)
0
W
0
0
0 W
0O
(L
.2
0
-M
�u
N
'm
w
T
0
w
-0
-0
w
CL
w
o
w
2E
m
U0
>
0
0 0
Lu
Lu
m
m
m
uj
2)
F.
w
0
Fo
(1) U)
a.
�e
0
a
m
w
2
<
x
c
ca
�o
CL
E
CO
LL
=
0
'a
6
-
LLI
o
Lu
n -
o
.
>. E
E
Lu
0
-
_j
m
m
m
N
w
La
0
q)
E
E
0
0 0
�
0
0
0
w
0
0
m
0
0
0
a
-
0
CL
- ui
0
0 0
3: 3:
LU
0
Of
of
D 0
0
4
dv
IL
<
w
w
w
It
a
0
0
0
0:
0:
w
C.
w
U
ol
<
<
9
1
,
,
m
M
m
M
M
0
N
F
F(n
07
U)
U
�LL
If You See Something, Say Something (S4) — OC Initiative
FY15 S4 STATEMENT OF WORK
General Information:
The following Statement of Work (SOW) defines the principle activities and responsibilities of
all parties for public outreach services to support the "If You See Something, Say Something"
(S4) initiative for Orange County. This scope of work shall stand as an agreement between the
City of Santa Ana (hereinafter Santa Ana) and Westbound Communications (hereinafter
WBC).
WBC will supply the following services during a 12 -month term:
o S4 Media Promotions
• Paid and sponsored advertising
• Public Service Announcements (PSAs)
• Earned media (editorial publicity)
• Marketing Support for S4 Program
0 2016 marketing road map
o Citizen and community outreach
o Promotional partnering
o Event marketing
• Project Administration Services
• S4 Microsite and Social Media Platform Management
• Site maintenance management
• Social media content development and outreach
• Social media maintenance management
No deviation of this SOW will be allowed without written consent from the Santa Ana Project
Manager. Nevertheless, Santa Ana recognizes that projects of this magnitude will likely
encounter various unforeseeable events that may cause tasks to overlap or change, and such
change will be permissible with the approval of Santa Ana Project Manager.
This SOW is contingent upon both WBC and Santa Ana fulfilling their respective
responsibilities as defined in the Agreement and within this document.
Contents
The following are included with this SOW:
• Task Descriptions
• Project Change Order
• Project Schedule
• Milestone Payment Schedule
General Project Management Responsibilities
Project management occurs throughout the project and is involved in every task. The overall
project management activities are listed here for reference.
Westbound Responsibilities:
a. Maintain project communications with Santa Ana's Project Manager.
b. Manage the efforts of the WBC staff and coordinate WBC activities with the Santa Ana
Project Manager.
c. Conduct on -site status meetings with Santa Ana's Project Manager on a monthly basis
or when reasonably required at the discretion of Santa Ana to discuss project status.
d. Provide timely responses, within ten (10) business days, to issues raised by Santa
Ana's Project Manager.
e. Prepare and submit, no later than the fifth business day of each month, a status report
that includes: the accomplishments of the previous month, activities planned for the
current month and any update to the project schedule.
f. Prepare and submit project Change Proposals to Santa Ana's Project Manager as
necessary.
g. Prepare and submit Task Completion Letter(s) to Santa Ana's Project Manager as
necessary.
Santa Ana Responsibilities:
a. Maintain project communications with the WBC Project Manager.
b. Manage the efforts of S4 involved staff and coordinate S4 activities with the WBC
Project Manager.
c. The Project Manager must ensure that their personnel have ample time, resources, and
expertise to carry out their respective tasks and responsibilities.
d. The Project Manager or his designee will participate in the status meeting with the WBC
Project Manager on a monthly basis or as may otherwise be reasonably required to
discuss project status.
e. Provide timely responses, within ten (10) business days, to issues raised by the WBC
Project Manager.
f. Liaison with all Santa Ana - provided third -party vendors and associated systems.
g. Ensure acceptable Change Orders are approved by authorized signature(s).
h. Ensure acceptable Task Completion Letter(s) are approved by the Project Manager or
his designee.
i. Ensure timely payment of invoices.
j. Ensure WBC access to server and network equipment and work areas on a 24x7 basis,
with pre- authorization for off- hours.
k. Provide workspace for WBC personnel as reasonably requested.
SOW Format:
Each task includes the following: Title, Objective, Task Description, Responsibilities and
Completion Criteria. The tasks are depicted on the project schedule. All parties recognize that
the SOW is not formatted chronologically with contractual obligations defaulting to Project
Schedule unless otherwise noted.
Task 1: S4 2016 Marketing Roadmap
Objective: Develop and present a 20 -30 page Power Point plan that details all 2016
objectives, target audiences, strategies, tactics and timelines for outreach during the contract
period.
Task Description:
This task includes creating, presenting and implementing a marketing road map that guides all
marketing and promotional activities for the contract period.
Responsibilities:
WBC shall:
a. Develop the plan (road map) and seek approvals from the Steering Committee.
b. Execute the road map in accordance with approved plans.
Santa Ana shall:
a. Approve the plan.
Completion Criteria:
This task is considered complete upon the completion of the deliverables and when the Santa
Ana Project Manager signs the task completion letter. Planned completion and invoicing will be
in July 2016.
Task 2: S4 Stakeholder Coordination, Administration and Meetinas
Objective: Conduct and manage campaign updates, administration, reporting and
management with the Santa Ana Project Manager and S4 Steering Committee through
activities including, but not limited to, meetings, monthly activity reporting, regular
communication and presentations to the Project Manager and Steering Committee.
Task Description:
See sub -tasks for specifics.
Responsibilities:
See sub -tasks for specifics.
Completion Criteria:
This task is considered complete when budgeted sub -tasks have been completed in their
respective entirety
Task 2 -A: S4 Stakeholder Coordination, Administration and Meetings (Summer /Fall
2016)
Objective:
Conduct and manage campaign updates, administration, reporting and management with the
Santa Ana Project Manager and S4 Steering Committee through activities including, but not
limited to, meetings, monthly activity reporting, regular communication and presentations to the
Project Manager and Steering Committee.
Task Description:
Provide campaign and promotion updates to the Santa Ana Project Manager through daily and
weekly phone calls, emails and meetings (as needed). Manage the ongoing reporting and
measurement of campaign data including event impressions, media coverage, social media
impressions and microsite traffic, among others. Maintain weekly and monthly communication
with the Steering Committee, including at least one in- person meeting a quarter (unless
otherwise directed).
Responsibilities:
WBC shall:
a. Coordinate and participate in at least one Steering Committee meeting per quarter
(unless otherwise directed by the Project Manager).
b. Provide daily, weekly and monthly campaign and promotion updates to the Santa Ana
Project Manager.
c. Manage the weekly and monthly reporting of campaign measurement.
d. Manage ongoing expense tracker, budget and campaign schedule.
e. Submit task completion letters with invoices to the Santa Ana Project Manager,
Santa Ana shall:
a. Approve campaign progress, updates and promotions.
Completion Criteria:
This Task is considered complete upon completion of the administrative deliverables and when
the Santa Ana Project Manager signs the task completion letter by fall 2016.
Task 2 -113: S4 Stakeholder Coordination, Administration and Meetings (Winter
2016 /Spring 2017)
Objective:
Conduct and manage campaign updates, administration, reporting and management with the
Santa Ana Project Manager and S4 Steering Committee through activities including, but not
limited to, meetings, monthly activity reporting, regular communication and presentations to the
Project Manager and Steering Committee.
Task Description:
Provide campaign and promotion updates to the Santa Ana Project Manager through daily and
weekly phone calls, emails and meetings (as needed). Manage the ongoing reporting and
measurement of campaign data including event impressions, media coverage, social media
impressions and microsite traffic, among others. Maintain weekly and monthly communication
with the Steering Committee, including at least one in- person meeting a quarter (unless
otherwise directed).
Responsibilities:
WBC shall:
a. Coordinate and participate in at least one Steering Committee meeting per quarter
(unless otherwise directed by the Project Manager).
b. Provide daily, weekly and monthly campaign and promotion updates to the Santa Ana
Project Manager.
c. Manage the weekly and monthly reporting of campaign measurement.
d. Manage ongoing expense tracker, budget and campaign schedule.
e. Submit task completion letters with invoices to the Santa Ana Project Manager.
Santa Ana shall:
a. Approve campaign progress, updates and promotions.
Completion Criteria:
This Task is considered complete upon completion of the administrative deliverables and when
the Santa Ana Project Manager signs the task completion letter by spring 2017.
Task 3: S4 Professional Responders & Stakeholder Activation Program
Objective: Develop and implement a comprehensive activation effort with selected first
responders and other anti - terrorism stakeholders countywide to ensure S4 message and brand
delivery through existing communication channels such as emails, e- newsletters, group
meetings (ex. OCCPSA and OCAIC), news media, websites, social media and more.
Task Description:
See sub -tasks for specifics.
Responsibilities:
See sub -tasks for specifics.
Completion Criteria:
This task is considered complete when budgeted sub -tasks have been completed in their
respective entirety.
Task 3 -A: S4 Professional Responders & Stakeholder Activation Program
(Summer /Fall 2016)
Objective: Develop and implement a comprehensive activation effort with selected first
responders and other anti - terrorism stakeholders countywide to ensure S4 message and brand
delivery through existing communication channels such as emails, e- newsletters, group
meetings (ex. OCCPSA and OCAIC), news media, websites, social media and more).
Task Description:
Work with the Santa Ana Project Manager to identify and target appropriate professional
responders (police, fire, sheriff, elected, etc.) and provide them with regular messaging and
communications content (logos, emails, memos, social media, graphics, etc.) for promotion to
their agencies and the public. At a minimum this will include creating a database and
outreaching to at least two dozen entities (as pre- approved by the Project Manager), providing
monthly content to these groups /individuals and maintaining monthly communication.
Responsibilities:
WBC shall:
a. Secure and coordinate communication with a minimum of two dozen stakeholders.
b. Develop and deliver messaging and content at least monthly to secured stakeholders.
c. Provide daily, weekly and monthly program updates to the Santa Ana Project Manager.
d. Submit task completion letters with invoices to the Santa Ana Project Manager,
Santa Ana shall:
a. Approve programming activities.
Completion Criteria:
This Task is considered complete upon completion of the administrative deliverables and when
the Santa Ana Project Manager signs the task completion letter by fall 2016.
Task 3 -B: S4 Professional Responders & Stakeholder Activation Program (Winter
2016 /Spring 2017)
Objective: Develop and implement a comprehensive activation effort with selected first
responders and other anti - terrorism stakeholders countywide to ensure S4 message and brand
delivery through existing communication channels such as emails, e- newsletters, group
meetings (ex. OCCPSA and OCAIC), news media, websites, social media and more).
Task Description:
Work with the Santa Ana Project Manager to identify and target appropriate professional
responders (police, fire, sheriff, elected, etc.) and provide them with regular messaging and
communications content (logos, emails, memos, social media, graphics, etc.) for promotion to
their agencies and the public. At a minimum this will include creating a database and
outreaching to at least two dozen entities (as pre- approved by the Project Manager), providing
monthly content to these groups /individuals and maintaining monthly communication.
Responsibilities:
WBC shall:
a. Secure and coordinate communication with a minimum of two dozen stakeholders.
b. Develop and deliver messaging and content at least monthly to secured stakeholders.
c. Provide daily, weekly and monthly program updates to the Santa Ana Project Manager.
d. Submit task completion letters with invoices to the Santa Ana Project Manager.
Santa Ana shall
a. Approve programming activities.
Completion Criteria:
This Task is considered complete upon completion of the administrative deliverables and when
the Santa Ana Project Manager signs the task completion letter by spring 2017.
Task 4: S4 Outdoor, PSA and Earned Media Promotions
Objective: Develop and implement a comprehensive media promotion program to maximize
campaign visibility through paid, sponsored and earned coverage through a combination of
outdoor (bus shelters, buses, kiosks, billboards, etc.), print, online and broadcast media.
Task Description:
See sub -tasks for specifics.
Responsibilities:
See sub -tasks for specifics.
Completion Criteria:
This task is considered complete when budgeted sub -tasks have been completed in their
respective entirety.
Task 4 -A: S4 Outdoor, PSA and Earned Media Promotion (Summer 20161
Objective:
Develop and implement a comprehensive media promotion program to maximize exposure of
the S4 campaign through paid, sponsored and earned coverage through a combination of
outdoor, print, online and broadcast media.
Task Description:
Design and produce a minimum of three graphic designs (updated "animal' graphics or other)
approved by the Project Manager with support from the S4 Steering Committee and then
secure minimum of 10 combined paid- earned - sponsored media placements generating a
minimum of one (1) million measured impressions.
Responsibilities:
WBC shall:
a. Create and produce three graphic designs and secure a minimum of 10 media
placements as described above.
Santa Ana shall:
a. Review and approve the three graphics and the secured media opportunities
Completion Criteria:
This task is considered complete upon the completion of the deliverables and when the Santa
Ana Project Manager signs the task completion letter. Planned completion is summer 2016.
Task 4 -13: S4 Outdoor, PSA and Earned Media Promotion (Fall 2016)
Objective:
Implement a comprehensive media promotion program to maximize exposure of the S4
campaign through paid, sponsored and earned coverage through a combination of outdoor,
print, online and broadcast media.
Task Description:
Secure minimum of 20 combined paid- earned - sponsored media placements generating a
minimum of two (2) million measured impressions.
Responsibilities:
WBC shall:
a. Research and secure a minimum of 20 media placements as described above
Santa Ana shall:
a. Review and approve the secured media opportunities
Completion Criteria:
This task is considered complete upon the completion of the deliverables and when the Santa
Ana Project Manager signs the task completion letter. Planned completion is fall 2016.
Task 4 -C: S4 Outdoor. PSA and Earned Media Promotion ISorina 2017
Objective:
Develop and implement a comprehensive media promotion program to maximize exposure of
the S4 campaign through paid, sponsored and earned coverage through a combination of
outdoor, print, online and broadcast media.
Task Description:
Secure minimum of 20 combined paid- earned - sponsored media placements generating a
minimum of two (2) million measured impressions.
Responsibilities:
WBC shall:
a. Research and secure a minimum of 20 media placements as described above.
Santa Ana shall:
a. Review and approve the secured media opportunities
Completion Criteria:
This task is considered complete upon the completion of the deliverables and when the Santa
Ana Project Manager signs the task completion letter. Planned completion is spring 2017.
Task 5: S4 Social Media and Microsite Manaaement and Maintenance
Objective:
Update, manage and maintain the campaign social media channels and the KeepOCSafe.org
microsite technical and content platforms 24/7 during the contract term. Both platforms will
continue to support the campaign's public awareness and engagement activities.
Task Description:
See sub -tasks for specifics.
Responsibilities:
See sub -tasks for specifics.
Completion Criteria:
This task is considered complete when all budgeted sub -tasks have been completed in their
respective entirety.
Task 5 -A: S4 Social Media & Microsite Management (Summer /Fall 2016)
Objective:
Update, manage and maintain the campaign's social media channels technical and content
platforms 24/7, all in accordance with the approved processes and protocols for each medium.
In addition, update, manage and maintain the KeepOCSafe.org microsite technical and content
platforms. The microsite will continue to support the campaign's public awareness and
engagement activities.
Task Description:
Maintain the campaign's Twitter, Instagram and YouTube social media platforms through daily
and weekly content updates, management, maintenance and measurement. This includes, but
is not limited to, content research and updates, social media plan and protocol and tracking.
Create and implement at least one Animoto presentation (online video /photo presentation).
Host, maintain and refresh the KeepOCSafe.org microsite through weekly and monthly
technical and content platform updates. These include, and are not limited to, event and
backpack display schedules, photos, media coverage, link updates and more.
Responsibilities:
WBC shall:
a. Share content including, but not limited to, videos, graphics, links and photos, via the
campaign's Twitter, Instagram and YouTube platforms a minimum of 10 times a week
b. Develop and produce one Animoto with approval from the Steering Committee.
c. Host the KeepOCSafe.org microsite.
d. Manage one technical and content microsite platform update a month.
Santa Ana shall:
a. Approve microsite updates and management activities, along with social media platform
elements.
Completion Criteria:
The task is considered complete upon the completion of deliverables and when the Santa Ana
Project Manager signs the task completion letter in fall 2016.
Task 5 -B: S4 Social Media & Microsite Management (Winter 2016 /Spring 2017)
Objective:
Update, manage and maintain the campaign's social media channels technical and content
platforms 24/7, all in accordance with the approved processes and protocols for each medium.
In addition, update, manage and maintain the KeepOCSafe.org microsite technical and content
platforms. The microsite will continue to support the campaign's public awareness and
engagement activities.
Task Description:
Maintain the campaign's Twitter, Instagram and YouTube social media platforms through daily
and weekly content updates, management, maintenance and measurement. This includes, but
is not limited to, content research and updates, social media plan and protocol and tracking.
Create and implement at least one Animoto presentation (online video /photo presentation).
Host and maintain the KeepOCSafe.org microsite through weekly and monthly technical and
content platform updates. These include, and are not limited to, event and backpack display
schedules, photos, media coverage, link updates and more.
Responsibilities:
WBC shall:
Share content including, but not limited to, videos, graphics, links and photos, via the
campaign's Twitter, Instagram and YouTube platforms a minimum of 10 times a week
a. Share content including, but not limited to, videos, graphics, links and photos, via the
campaign's Twitter, Instagram and YouTube platforms a minimum of 10 times per week.
b. Develop and produce one Animoto with approval from the Steering Committee.
c. Host the KeepOCSafe.org microsite.
d. Manage one technical and content microsite platform update a month.
Santa Ana shall:
a. Approve microsite updates and management activities, along with social media platform
elements.
Completion Criteria:
The task is considered complete upon the completion of deliverables and when the Santa Ana
Project Manager signs the task completion letter in spring 2017.
Task 6: S4 Materials and Resources
Objective:
Develop, produce and update campaign collateral and resource materials for use in all
programming as appropriate.
Task Description:
See sub -tasks for specifics
Responsibilities:
See sub -tasks for specifics
Completion Criteria:
This task is considered complete when all budgeted sub -tasks have been completed in their
respective entirety.
Task 6 -A: 84 Collateral Materials
10
Objective:
Develop, produce and update campaign collateral materials for use in all programming as
appropriate.
Task Description:
Manage the design, drafting, production and distribution of collateral materials in support of the
S4 campaign initiatives. The materials that will be produced are:
a. Updated S4 Consumer Handout, 2,000 total quantity
b. S4 Color Sheets, 2,000 total quantity
Responsibilities:
WBC shall:
a. Develop all materials and seek approvals from the Steering Committee
b. Produce materials in accordance with Steering Committee approvals
Santa Ana shall:
a. Approve the collateral material elements.
Completion Criteria:
This task is considered complete upon delivery of the collateral materials and when the Santa
Ana Project Manager signs the task completion letter. Completion is planned to occur by fall
2016.
Task 6 -13: S4 Resource Materials
Objective:
Develop, produce and update campaign resource materials for use in all programming as
appropriate.
Task Description:
Manage the design, drafting, production and distribution of resource materials in support of the
S4 campaign initiatives. The resource materials that will be produced are:
a. S4 Ribbon Magnets, 1,000 total quantity.
b. S4 Additional Promotional Item (e.g. additional Ribbon Magnets, campaign stickers),
1,000 total quantity.
Responsibilities:
WBC shall:
Develop all materials and seek approvals from the Steering Committee.
Produce materials in accordance with Steering Committee approvals.
Santa Ana shall:
a. Approve the resource material elements.
Completion Criteria:
This task is considered complete upon delivery of the collateral materials and when the Santa
Ana Project Manager signs the task completion letter. Completion is planned to occur by
spring 2017.
Task 7: S4 Citizens & Community Outreach
it
Objective:
Continue to conduct community and citizens' outreach to secure the campaign's presence at
events and or display of the giant red backpack at venues through the development and
extension of promotional partners to build on the existing awareness of the campaign.
Task Description:
See sub -tasks for specifics.
Responsibilities:
See sub -tasks for specifics.
Completion Criteria:
This task is considered complete when all budgeted sub -tasks have been completed in their
respective entirety.
Task 7 -A: S4 Citizens & Community Outreach (Summer /Fall 2016)
Objective:
Continue to conduct community and citizens' outreach to secure the campaign's presence at
events and or display of the giant red backpack or another promotional element at venues
through the development and extension of promotional partners to build on the existing
awareness of the campaign.
Task Description:
Manage and staff (where appropriate) continued participation at least 6 community outreach
festivals (e.g. Irvine Korean Festival) or giant red backpack staged promotion displays at
notable Orange County venues or events (e.g. Orange County Fair).
Activities include
a. Master Community & Citizen Events Calendar - create and manage a master annual
calendar for all milestone events, festivals and /or venues that S4 will participate in
and /or staff in support of the campaign's messaging.
b. Event Promotion & Staffing - promote and staff (as appropriate) up to 5 community
events, festivals and /or giant red backpack venue displays throughout Orange County
that are aligned with the Master Community & Citizen Events Calendar. Event activities
may include display of the giant red backpack, distribution of campaign materials
promotional items and more.
Responsibilities:
WBC shall:
a. Develop the outreach and seek plan approval from the ROC Steering Committee.
b. Execute the outreach in accordance with the approved plan.
Santa Ana shall:
a. Approve plan and promotional elements
Completion Criteria:
12
This task is considered complete upon the completion of the calendared event outreach and
when the Santa Ana Project Manager signs the task completion letter. Formal calendaring of
upcoming events will incur upfront logistics and event fees. Completion is planned for fall 2016.
Task 7 -113: S4 Citizens & Community Outreach (Winter 2016 /Spring 2017)
Objective:
Continue to conduct community and citizens' outreach to secure the campaign's presence at
events and or display of the giant red backpack at venues through the development and
extension of promotional partners to build on the existing awareness of the campaign.
Task Description:
Manage and staff (where appropriate) continued participation at least 6 community outreach
festivals (e.g. Cypress Community Festival) or giant red backpack staged promotion displays
at notable Orange County venues or events (e.g. John Wayne Airport).
Activities include:
a. Master Community & Citizen Events Calendar - create and manage a master annual
calendar for all milestone events, festivals and /or venues that S4 will participate in
and /or staff in support of the campaign's messaging.
b. Event Promotion & Staffing - promote and staff (as appropriate) up to 5 community
events, festivals and /or giant red backpack venue displays throughout Orange County
that are aligned with the Master Community & Citizen Events Calendar. Event activities
may include display of the giant red backpack, distribution of campaign materials
promotional items and more.
Responsibilities:
WBC shall:
a. Develop the outreach and seek plan approval from the ROC Steering Committee
b. Execute the outreach in accordance with the approved plan
Santa Ana shall:
a. Approve plan and promotional elements
Completion Criteria:
This task is considered complete upon the completion of the calendared event outreach and
when the Santa Ana Project Manager signs the task completion letter. Formal calendaring of
upcoming events will incur upfront logistics and event fees. Completion is planned for spring
2017.
13
d
d
t
V
C
d
O
d
d
C
O
r
W
d
T
lL
o
0
0
r
ff!
O
00
0
fR
O
0
CR
O
00
0
N
69
O
0
L
CA
O
000
0
M
fA
O
0
N
64
O
0
N
V}
O
00
0
O
G1
O
0
O
(fl
o
00
fA
o
V3
O
00
�
N_
Ff3
O
cl
N_
V3
o
0
C
Ff3
0
O
r
fR
r
O
N
r
(0
m
�
p
O
N
L2
m
N
O
t0
�
m
LL
O
O
Q
O
N
0
N
m
N
0
E
I
W
E
c
°
N
a
0
m
(/1
N
z
N
l0
Z
E
N
O
E
E
N
LL
o
E
C
H
f6
m
0
O
N
N
h
W�
H
O
O
E
N
N
z
E
O
E-
O
O
Cl)
W
CO
O
Z
(n
.�...
U
c
c
o
n
O
0
0
0
0
Q
O
N
a
>>
z
E
E E
W
r
O
0
0
M
LL
o
0
0
F-
o
o
O
v�
m
m
E
v
y@
E
W
o
o
w
a
a`
a
00
E
z
m
Y
a
m
m
m
u
E
E
U
C
C
a
Y
Y
Q
N
N
N
F
V
E
m
v
QE
Q¢
CO
()
(n
O
-o
a
-o
-�
°'
m
W
Ix
v
Z
otS
otl
�
c
c
a
s
N
O
y
°w
m
m
O
a
-
°-
w
m
m
w
w
w
w
v
O
O
Q
Za'
c
c
c
F_
?
C
-�
C
-O
Z
o
o
m
m
m
J
--
m
m
7
-
C
.-
C
Q
Es
`o
a
a.
m
a_
m
Q
a
o
0
m
m
m
m
z
D
]
c
Q
O
o
O
m
w¢¢¢
U
co
cn
v
0
v)
2
E
E
0
0
U
U
co
Z
a
n.
a.
0
m
o
0
a
a
m
O
V
a
a
Q
°°°
0
U
U
Z
a
Q
o
O
O
a
oU
f
W
O
O
Q
m
'c
m
a
Z
W
W
Z�
2
C
C
'I.
�y
N
N
z
m
m
O
J
O
O
O
O
W
O
O
J
(O
y
Z
N
N
0
0
a
N
Q=
U-
a
U
K
N
U
y
w
v
O
w
t
Q
O
a
Q
N
N
O
2
ci
¢
m
¢
m
¢
m
mm
¢
m
¢
m
¢
m
N
N
v
a
67
m
m
m
m
m
m
m
m
m
m
m
m
m
r
N
M
�
N
D
n
0
O
J
Y
U
Q
m
03
10
10
o
N
EXHIBIT C
CERTIFICATIONS
a. Federal Regulations — Recipient must comply with the government cost principles,
uniform adm nistrative requirements and audit requirements for federal grant program housed within Title
2, Part 200 of the Code of Federal Regulations.
b. Debarment and Suspension — As required by Executive Orders 12549 and 12689, and 2
CFR §200.212 and codified in 2 CFR Part 200, Recipient must provide protection against waste, fraud,
and abuse by debarring or suspending those persons deemed irresponsible in their dealings with the
Federal government.
C. Audit Records - With respect to all matters covered by this agreement all records shall be
made available for audit and inspection by CITY, the grant agency and /or their duly authorized
representatives for a period of three (3) years from the date of submission of the final expenditure report
by the City of Santa Ana. For a period of three years after final delivery hereunder or until all claims
related to this Agreement are finally settled, whichever is later, Recipient shall preserve and maintain all
documents, papers and records relevant to the services provided in accordance with this Agreement,
including the Attachments hereto. For the same time period, Recipient shall malce said documents, papers
and records available to City and the agency from which City received grant funds or their duly
authorized representative(s), for examination, copying, or mechanical reproduction on or off the premises
of Recipient, upon request during usual working hours.
d. Recipient shall provide to City all records and information requested by City for
inclusion in quarterly reports and such other reports or retards as City may be required to provide to the
agency from which City received grant funds or other persons or agencies.
e. Section 504 of the Rehabilitation. Act of 1973 (Handicapped) - All recipients of federal
funds must comply with Section 504 of the Rehabilitation Act of 1973 (The Act). Therefore, the federal
funds recipient pursuant to the requirements of The Act hereby gives assurance that no otherwise
qualified handicapped person shall, solely by reason of handicap be excluded from the participation in, be
denied the benefits of or be subject to discrimination, including discrimination in employment, in any
program or activity that receives or benefits from federal financial assistance. The Recipient agrees it will
ensure that requirements of The Act shall be included in the agreements with and be binding on all of its
contractors, subcontractors, assignees or successors,
f. Americans with Disabilities Act of 1990 - (ADA) Recipient must comply with all
requirements of the Americans with Disabilities Act of 1990 (ADA), as applicable.
g. Lobbying and Political Activity, - None of the funds, materials, property, or services
provided directly or indirectly under this agreement shall be used for any partisan political activity, or to
further the election or defeat of any candidate for public office, or otherwise in violation of the provisions
of the "Hatch Act ".
h. Recipient will comply with all applicable lobbying prohibitions and laws, including those
found in United States Code Title 31, § 1352, et seq., and agrees that none of the funds provided under
this award may be expended by the Recipient to pay any person to influence, or attempt to influence an
officer or employee of any agency, a Member of Congress, an officer or employee of Congress, or an
employee of a Member of Congress in connection with any federal action concerning the award or
renewal of any federal contract, grant, loan, or cooperative agreement.
i. Recipient will comply, and all its contractors (or subrecipients) will comply, with all
requirements of the Byrd Anti - Lobbying Amendment (31 U,S,C. 1352), as applicable.
j. Non - Discrimination and Equal Opportunity - Recipient will comply, and all its
contractors (or subrecipients) will comply, with Title VI of the Civil Rights Act of 1964, as amended;
Section 504 of the Rehabilitation Act of 1964, as amended; Subtitle A, Title II of the Americans with
Disabilities Act (ADA) (1990); Title IX of the Education Amendments of 1972; the Age Discrimination
Act of 1975, as amended; Drug Abuse Office and Treatment Act of 1972, as amended; Comprehensive
Alcohol Abuse and Alcoholism Prevention, Treatment and Rehabilitation Act of 1970, as amended;
Section 523 and 527 of the Public Health Service Act of 1912, as amended; Title VIII of the Civil Rights
Act of 1968, as amended; Department of Justice Non - Discrimination Regulations, 28 CFR Part 42,
Subparts C, D, E, and G; and Department of Justice regulations on disability discrimination, 28 CPR Part
35 and 39. In the event a Federal or State court, Federal or State administrative agency, or the Recipient
makes a finding of discrimination after a due process hearing on the grounds of race, color, religion,
national origin, sex, or disability against a recipient of funds, the Recipient will forward a copy of the
findings to CITY which will, in turn, submit the findings to the Office of Civil Rights, Office of Justice
Programs, U.S. Department of Justice.
k. Recipient will comply, and all its contractors (or subrecipients) will comply,
with all requirements of the Executive Order 11246 of September 24, 1965, entitled "Equal
Employment Opportunity," as amended by Executive Order 11375 of October 13, 1967, and as
supplemented in Department of Labor regulations (41 CFR chapter 60), as applicable,
1. Recipient will comply, and all its contractors (or subrocipients) will comply, with
all requirements of the California Public Contract Code Section 10295.3, as applicable.
M. Recipient will comply, and all its contractors (or subrecipients) will comply,
with all requirements of the Copeland "Anti - Kickback" Act (18 U.S.C. 874) as supplemented
in Department of Labor regulations (29 CFR Part 3), as applicable.
n. Recipient will comply, and all its contractors (or subrecipients) will comply,
with all requirements of the Davis -Bacon Act (40 U.S.C. 276a to 276a -7) as supplemented by
Department of Labor regulations (29 CFR Part 5), as applicable.
o. Recipient will comply, and all its contractors (or subrecipients) will comply,
with all requirements of Sections 103 and 107 of the Contract Work and Safety Standards Act
(40 U.S.C. 327 -330) as supplemented by Department of Labor regulations (29 CFR Part 5), as
applicable.
P. Recipient will comply, and all its contractors (or subrecipients) will comply,
with all applicable standards, orders or requirements issued under Section 306 of the Clean Air
Act (42 U.S.C. 1857(h)), Section 508 of the Clean Water Act (33 U.S.C. 1368), Executive
Order 11738, and the Environmental Protection Agency regulations (40 CFR part 15), as
applicable.
q. Recipient will comply, and all its contractors (or subrecipients) will comply,
with all requirements of the Energy Policy and Conservation Act (Pub. L. 94 -163, 89 Stat.
871), (53 FR 8078, 8087, Mar. 11, 1988, as amended at 60 FR 19639, 19645, Apr, 19, 1995),
as applicable.
r. Recipient will comply, and all its contractors (or subrecipients) will comply, with
all requirements of Section 6002 of the Solid Waste Disposal Act, as amended by the Resource
Conservation and Recovery Act, as applicable.
S. Recipient agrees that the Department of Homeland Security shall have the
authority to seek patent rights for any process, product, invention or discovery developed and
paid for with funding through this Agreement based on the requirements of 37 CFR§ 401, as
applicable.
t. Recipient may copyright any books, publications or other copyrightable materials
developed in the course of or under this Agreement. However, the federal awarding agency,
State Administrative Agency (SAA) and City reserve a royalty -free, non - exclusive, and
irrevocable license to reproduce, publish or otherwise use, and to authorize others to use, for
federal government, SAA and /or City purpose:
(1) the copyright in any work developed through this Agreement; and
(2) any rights of copyright to which the subcontractor purchases ownership with support
through this grant. The Federal government's, SAA's and City's rights identified
above must be conveyed to the publisher and the language of the publisher's release
forni must ensure the preservation of these rights.
COMMU -5 OP 10: RIB
etc + CERTIFICATE OF LIABILITY INSURANCEVATE CMM,ba YYYYj
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER, THIS
CERTIFICATE DOES NOT APFIRMATIVELY OR NEGATIVELY AMFNO, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
BELOW. THIS CERTIFICATE OF INSURANGE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER($), AUTHORIZED
REPRESENTATIVE OR PRODUCER, AND 'THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder la an ADDITIONAL INSURED, tho policy(ios) Inustmust be sndorsod. If SUBROGATION IS WAIVED, subject tb
the terms and conditions of the policy, certain policies may require an endorsement. A statement an this Certificate does not confer rights to the
certificate holder in ilea of such sndorseman s ,
�oy Be
PRODUCER OtlC In6_U_ Yan- Ge N M _
_
Sawyar Cook hTSurarlce PHOR % Na: 809- 788.78i1TM
1204 California St,, Ste 260 v909- 139.0 30_ a
Redlands, CA 82374 eNnAIL
Sawyer Cook insurance
_,� _ INSURERISj„QfFORGMG COVERAGE ,�_�, PACN
INSURER A!Sentlnel Insurance Co. Ltd 11000 _
INSUReD Westbound Communications, Inc.
INsuRER a; Htartford insurance Com,,pany-
22357
Scott Smith
„_ , u.
ns GO
— en AtlantfcS (— a lt --
2716d
625 The City Dr., Ste 350
°'_—" _
Orange, CA 92586
X
X
725BAAE3757
LNBURZA E i �. _.... .,,.,,..— ._.,.,..._____�.�,..�.
......_,,.,...,..
and EGE'ErGRR�i"N'iA;Pa$
!S ESHrLns ._i.,.,.
NBUROn E:
A
A
CCIVFRAChS CERTIFICATE NUMBER: REVISION NUMBER:
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD
INOICATED, NOTWITHSTANDING ANY RBOUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
IN. R
LT
A
..._.,...,,.�,.,,,.��- ^^^�A$.
'tYPfi OF INSURANCE I��
COMMERCIAL GENERAL LIABILITY
6QA",_,,._...,..
....,._.....,.� ..............._
-- P 61gY NUMBER
I F°
ihi �Y
P EXP
M 0 YY
LIMITS
EACH OCCURRENCE
0 �r
°'_—" _
CLAIMS ^MADE O OCCUR
X
X
725BAAE3757
A5l0G12015
051061201E
and EGE'ErGRR�i"N'iA;Pa$
!S ESHrLns ._i.,.,.
300,OQtl
A
A
Bus Inte_ru tion
A
72SBAAF3737
72SBAAC3737
0510612015
05106/2098
06106/2016
05/06/2015
MEO Ex, P (nny anaTnrFe,,nt
PEpsONAL Rnov INJURY
..._..-
s � 2,0QOrQQO
_X _
X Property
_ _
GEN'L AGGREGATE LIMIT APPLIES PER. ��~u
PER.
,..C-....- uAlre—
GENRI'�iALAGGRECiATE
d 4,000,000
_
_ POLICY jEG'r U LOU
PRODUCTS,. CCMP(OP M I
'$ �m 4,000,000
AUl'OMOaILE LIABILITY
ON BINED SINGLE LIMIT
1 2,000,000
A
._... ANY AUTO _
�W ALL OWNED _ SCHEDULED
AUTOS At;TDfi
72SBAAC3737
0610612018
05116/2016
SOMLY INJURY (Pal Praoor
BOAtLYINJURY {Pej;, amj
E ------ _
S�
w .— .— .,..,_,....
_�
X X�AUTO WNED
A('TE
HIRLIOAUTOS
.P.
d
B
X E %rIA89 LLAtr
xS G6 IMS -MACE
172SBAAE3737
_
1011312015
..«...»,,...,
10/13/2010
F.ACH OC €LIRRENC
AGGREGATE
ATE
AGQRLGATk
_ 2,000,000
r
CEO
,,. -...
�T��[.
Q
WORK COMPENSATION
AND EMPLOYeRe` LIAIMUTY
ANYPROPRIETORMARTNERIEXCOUTIVE YIN
72WEGL.R3703
09/28/2(j't4
09/26/ A18
9'A TE„ ER
EL pA411 ACC16LNY
..._.._____....••,.
OFPICER/MWOER EXCLUDED? 1�.1
(Mandator/ In Ntll
I(ya6 tlebMbOUndar
OES'�RIPYIONOP
NIA
E. L. rfl EAaE -EA FNIPLOVEC
I EL. . DISEASE „POLICY Liam fP.,iB
$
1000y00
C
Professional Liah
MFP196 ^aG -fa
4912612014'
0012612015
(Aggregate
3,000,00
lDed
40,000
144CRIPTICM bP OPERATIONS/ L.00A110N61 VEHICLES (ACCRD W, Additional Romania 6clwdula, may to attached If more space Ia fagNradi
The City of Santa Ana, it's officers, employees, agents, volunteers and
representatives are named Additional Insured perform IH1200118S which
Includes 30 day notice of cancellation. Primary wording and Waiver of
Subrogation apply perform SS000804DS attached to the policy
y
� r 1 we
City of Santa Ana
20 Civic Center Plaza
Santa Ana, CA 92701
ACORO 25 (2094101)
SHOULD ANY OF THE ABOVE DESCRIM10 POLICIES eE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BB LYPLIVERED IN
ACCORDANCE WITH THE POLICY PROVISIONS,
AUT"Ofrzot) R6PVc$CNTATIVe
Sawyer Cook Insuranc
019R8.211194
The ACORD name and logo are registered marks of ACORD
reserved
POLIGY NUMBCR: 72 SBA AR3737
>y°
THIS ENDORSEMENT CHANGES THE POLICY, PLEASE RCAF! IT CAREFULLY.
ADDITIONAL INSURED • MSON- ORGANIZATION
CITY OF SANTA ANA
20 CIVIC CANTER PLAZA
SANTA ANA, CA 92701
Faun IH 12 00 11 85 T SEQ. N4, 003 Printed in U.S.A. Page 001
ProcessDato; 02/20/15 Expiration Date: 05/06/16
POLICYNUMBER :72 SEA AE3737
L '' t
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY,
30 DAY 'NOTICE OF CANCRUSTTON
117 CONSIDERATION OF No CHANQE IN PRRMIUM, IT IS HEREBY AFRRED AND
UNDERSTOOD THAT FORM S81224 IS ADDED PER THE ATTACHED.
Form IH 12 00 1185 T SEQ. NO. 007 Printed In U,S,A. Page 001
Process Date: 02/20/15 Expiration Date: e5 /o6 /16
Farm $3 00 0$ 04 00
9 2000, The Hartford
QUICK REFERENCE
.�
BUSINESS LIABILITY COVERAGE FORM
A, COVERAGES
Business Liability
Medical Expenses
Coverage Extension • Supplementary Payments
B. EXCLUSIONS
C. WHO IS AN INSURED
D, LIABILITY AND MEDICAL EXPENSES
LIMITS OF INSURANCE
E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS
I. Bankruptcy
2, Dulles In The Event Of Occurrence, Offense, Claim Or Suit
3. Financial Responsibility Laws
4. Legal Action Against Us
5. Separation Of insureds
6, Representations
7, Otherinsurance
S. Transfer Of Rights Of Recovery Against Others To Us
R OPTIONAL, ADDITIONAL INSURER COVERAGES
Additional Insureds
G. LIABILITY AND MEDICAL EXPENSES DEFINITIONS
Form SS 00 08 04 05
Beginning on Page
1
1
2
2
3
10
i[!
1s
1s
15
16
16
16
16
16
17
18
18
20
S�
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. The words
"we ", "us" and "our" refer to the stock insurance company member of The Hartford providing this insurance.
The word "Insured" means any person or organization qualifying as such under Section C. - Who Is An Insured,
Other words and phrases that appear In quotation marks have special meaning. Refer to Section 0. - Liability And
Medical Expenses Definitions,
w
1. BUSINESS LIABILITY COVERAGE (BODILY
INJURY, PROPERTY DAMAGE, PERSONAL
AND ADVERTISING INJURY)
Insuring Agreement
a. We will pay those sums that the Insured
becomes legally obligated to pay as
damages because of "bodily injury"
"property damage" or "personal and
advertising Injury" to which this Insurance
applies, We will have the right and duty to
defend the insured against any "suit"
seeking those damages, However, we will
have no duty to defend the insured against
any "suit" seeking damages for "bodily
injury", "property damage" or "personal and
advertising injury" to which this insurance
does not apply.
We may, at our discretion, Investigate any
"occurrence" or offense and settle any claim
or "suit" that may result, But;
(1) The amount we will pay for damages is
roped as described in Section 0, -
Liabllhy And Medical Expenses Limits
Of Insurance; and
(2) Our right and duty to defend ends when
we have used up the applicable limit of
insurance In the payment of Judgments,
settlements or medical expanses to which
this insurance applies.
No other obligation or liability to pay sums or
perform arts or servicas is covered unless
explicitly provided for under Coverage
Extension - Supplementary Payments.
b. This Insurance applies:
(1) To "bodily Injury" and "property
damage" only if:
(a) The "bodily Injury" or "property
damage" is caused by an
"occurrence" that takes place in the
"coverage territory";
(b) The "bodily injury" or "property
damage" occurs during the policy
period; and
(c) Prior to the policy period, no insured
listed under paragraph 1. of Section
C, — Who Is An Insured and no
"employee" authorized by you to give
or receive notice of an "occurrence"
or claim, knew that the "bodily injury"
or "property damage" had occurred,
in whole or in part, if such a listed
Insured or authorized "employee"
know, prior to the policy period, that
the "bodily injury" or "property
damage" occurred, then any
continuation, change or resumption
of such "bodily injury" or "property
damage" during or after the policy
period will be deemed to have been
known prior to the policy period.
(2) To "personal and advertising Injury"
caused by an offense arising out of your
business, but only 9 the offense was
committed in the "coverage territory"
during the policy period.
o. "Bodily Injury" or "property damage" will be
deemed to have been known to have
occurred at the earliest time when any
insured listed under Paragraph 1, of Section
C. _. Who Is An Insured or any "employee"
authorized by you to give or receive notice
of an "occurrence" or clairw
(1) Reports all, or any part, of the "bodily
injury" or "property damage" to us or
any other Insurer;
Form SS 00 06 04 05 Page 7 of 24
0 2006, The Hartford
BUSINESS LIABILITY COVERAGE FORM
(2) Receives a written or verbal demand or
claim for damages because of the "bodily
injury„ or "property damage "; or
(3) Becomes aware by any other means that
"bodily injury" or "property damage" has
occurred or has begun to occur,
d, Damages because of "bodily injury" Include
damages claimed by any person or
organization for care, loss of services or
death resulting at any time from the "bodily
injury"
0. Incidental Medical Malpractice
(1) "Bodily injury" arising out of the
rendering of or failure to render
professional health care services as a
physician, dentist, nurse, emergency
medical technician or paramedic shall
be deemed to be caused by an
"occurrence ", but only if;
(a) The physician, dentist, nurse,
emergency medical technician or
paramedic la employed by you to
provide such services; and
(b) You are not engaged in the
business or occupation of providing
such services.
(2) For the purpose of determining the
limits of insurance for incidental medical
malpractice, any act or omission
together with all related acts or
omissions In the furnishing of these
services to any one person will be
considered one "occurrence",
2,. MEDICAL EXPENSES
Insuring Agreement
a, We will pay medical expenses as described
below for "bodily Injury" caused by an
accident:
(1) On premises you own or rent;
(2) On ways next to promises you own or
rent; or
(3) Because of your operations;
provided that:
(1) The accident takes place In the
"coverage territory" and during the
policy period;
(2) The expenses are incurred and reported
to us within three years of the date of
the accident; and
(3) Tine injured person submits to
examination, at our expense, by
physicians of our choice as often as we
reasonably require.
Page 2 of 24
b. We will make these payment, regardless of
fault. Thaso payments will not exceed the
applicable limit of insurance, We will pay
reasonable expenses for:
(1) First aid administered at the time of an
accident;
(2) Necessary medical, surgical, x -ray and
dental services, Including prosthetic
devices; and
(3) Necessary ambulance, hospital,
Professional nursing and funeral
services.
3. COVERAGE EXTENSION "
SUPPLEMENTARY PAYMENTS
a. We will pay, with respect to any claim or
"suit" we investigate or settle, or any "suit
against an Insured we defend:
(1) All expenses we incur,
(2) Up to $1,000 for the cost of bail bonds
required because of accidents or traffic
law violations arising out of the use of
any vehicle to which Business Liability
Coverage for "bodily Injury" applies. We
do not have to furnish these bonds.
(3) The cost of appeal bonds or bonds to
release attachments, but only for bond
amounts within the applicable limit of
Insurance, We do not have to furnish
these bonds.
(4) All reasonable expenses incurred by the
insured at our request to assist us In the
investlgatlon or defense of the claim or
"suit", Including actual loss of earnings
up to $500 a day because of time off
from work.
(5) All costs taxed against the insured in
the "suit ".
(6) Prejudgment interest awarded against
the insured on that part of (lie judgment
we pay, If we make an offer to pay the
applicable limit of insurance, we will riot
Pay any prejudgment interest based on
that period of time after the offer.
(7) All interest on the full amount of any
judgment that accrues after entry of the
judgment and before we have paid,
offered to pay, or deposited in court the
part of the judgment that Is within the
applicable limit of Insurance.
Any amounts paid under (1) through (7)
above will not reduce Via limits of insurance.
Farm SS 00 06 04 06
b. If we defend an insured against a "suit"
and an Indemnities of the insured is also
named as a party to the "suit ", we will
defend that Indemnitee if all of the
following conditions are met;
(1) The "suit" against the indemnitee
seeks damages for which the Insured
has assumed the liability of the
Indemnitee In a contract or agreement
that is an "insured contract ";
(2) This insurance applies to such liability
assumed by the Insured;
(3) The obligation to defend, or the cost of
the defense of, that Indemnitee, has
also been assumed by the insured In
the same "Insured contract ";
(4) The allegations in the "suit" and the
information we know about the
"occurrence" are such that no conflict
appears to exist between the Interests
of the Insured and the Interest of the
indemnitee;
(5) The Indemnitee and the insured ask
us to conduct and control the defense
of that 'indemnitee against such "suit"
and agree that we can assign the
some counsel to defend the Insured
and the Indemnitee; and
(0) The indemnitee:
(a) Agrees in writinq to:
(1) Cooperate with us In the
investigation, settlement or
defense of the "suit';
(ii) Immediately send us copies of
any demands, notices,
summonses or legal papers
received irr connection with
the "cult"
(iii) Notify any other insurer whose
coverage is available to the
Indemnitse; and
(iv) Cooperate with us with
respect to coordinating other
applicable insurance available
to the indemniteo; and
(b) Provides us with written
authorization to:
(1) obtain records and other
information related to the
"suit ", and
(11) Conduct and control the
defense of the Indemnitee in
such "suit ".
BUSINESS LIABILI'T'Y COVERAGE FORM
So long as the above conditions are met,
attorneys' fees Incurred by us in the
defense of that indemnitee, necessary
litigation expenses Incurred by us and
necessary litigation expenses incurred
by the Indemnitee at our request will be
paid as Supplementary Payments.
Notwithstanding the provisions of
Paragraph 11,13 b) of Section B, •-
ExCluslons, such payments will not be
deemed to be damages for "bodily
injury" and "property damage" and will
not reduce the Limits of Insurance.
Our obligation to defend an Insured's
indarnnitee and to pay for attorneys' fees
and necessary litigation expenses as
Supplementary Payments ends when;
(1) We have used up the applicable limit
of Insurance in the payment of
judgments or settlements; or
(2) The conditions set forth above, or the
terms of the agreement described in
Paragraph (6) above, are no longer met,
B. EXCLUSIONS
1, Applicable To Business Liability Coverage
This insurance does not apply to:
a. Expected Or Intended Injury
(1) "Bodily injury„ or "property damage"
expected or intended from the
standpoint of the insured. This
exclusion does not apply to "bodily
injury„ or "property damago " resulting
from the use of reasonable force to
protect persons or property; or
(2) "Personal and advertising Injury" arising
out of an offense corrlmitted by, at the
direction of or with the consent or
acquiescence of the Insured with the
expectation of inflicting "personal and
advertising injury"
b. Contractual Liability
(1) "Bodily injury"or "property damage"; or
(2) "Personal and advertising Injury"
for which the insured is obligated to pay
damages by reason of the assumption of
liability In a contract or agreement.
'rhis exclusion does not apply to liability
for damages because of:
(a) "Bodily injury" "property damage" or
"personal and advertising Injury" that
the insured would have in the
absence of the contract or
agreement; or
Form SS 00 08 04 05 Page 3 of 24
BUSINESS LIABILITY COVERAGE FORM
(b) "Bodily injury" or "property damage"
assumed in a oontraot oragreement
that is an "insured contract ",
provided the "bodily Injury" or
"property damage" occurs
subsequent to the execution of the
contract or agreement. Solely for
the purpose of liability assumed In
an "insured contract ', reasonable
attorneys' fees and necessary
litigation expenses Incurred by or for
a party other than an insured are
deemed to be damages because of
"bodily injury" or "property damage"
provided;
(1) Liability to such party for, or for
the cost of, that party's defense
has also been assumed in the
same "insured contract ", and
(ii) Such attorneys' fees and
litigation expansss are for
defense of that party against a
civil or alternative dispute
resolution proceeding in which
damages to which this
insurance applies are alleged,
c. Liquor Liability
"Bodily Injury" or
which any Insured
reason of:
"property darnage" for
may be held liable by
(1) Causing or rontributing to the
Intoxication of any person;
(2) The furnishing of alooholic beverages to
a person under the legal drinking age or
under the influence of alcohol, or
(3) Any statute, ordnance or regulation
relating to the sale, gift, distribution or
use of alcoholic beverages,
This exclusion applies only If you are in the
business of manufacturing, distributing,
selling, serving or furnishing aicohollo
beverages.
al. Workers' Compensation And Similar
Laws
Any obligation of the insured under a
workers' compensation, disability benefits
or unemployment compensation law or
any similar law.
e. Employees Liability
"Bodily injury" to:
(1) An "Omployee" of the Insured arising
out of and in the course of:
(a) Employment by the insured; or
(b) Performing duties related to the
conduct of the insured's business, or
(2) The spouse, child, parent, brother or
sister of that "employee" as a
consequence of (1) above.
This exolusion applies:
(1) Whether the insured may be liable as
an employer or in any other capacity;
and
(2) To any obligation to share damages
with or repay someone else who must
pay damages because of the injury.
This exclusion does not apply to liability
assumed by the insured under an "insured .
contrsot ".
f. Pollution
(1) "Bodily Injury", "Property damage" or
"Personal and advertising Injuy"
arising out of the actual, alleged or
threatened discharge, dispersal,
seepage, migration, release or escape
of "pollutants
(a) At or from any premises., site or
location which is or was at any
time owned or occupied by, or
rented or loaned to any insured.
However, this subparagraph does
not apply to:
V) "Bodily injury" if sustained within
a building and caused by
smoke, fumes, vapor or soot
produced by or originating from
equipment that is used to heat,
cool or dehumidify the building, .
or equipment that is used to
heat water for personal use, by
the building's occupants or their
guests;
(if) "Bodily Injury" or "property
damage" for which you may be
held liable, if you are a
contractor and the owner or
lessee of such premises, site or
location has been added to your
policy as an additional insured
With respect to your ongoing
operations performed for that
additional insured at that
promises, site or location and
such premises, site or location
Is not and never was owned or
occupied by, or rented or
loaned to, any insured, other
than that additional insured; or
Page 4 of 24 Form SS 00 08 04 05
BUSINESS LIABILITY COVERAGE FORM
(Ill) "Bodily injury" or "property
released as part of the
damage" arising out of heat,
operations being performed
smoke or fumes from a
by such insured, contractor or
"hostile fire ";
subcontractor;
(b) At or from any premises, site or
(11) "Bodily Injury" or "property
location which is or was at any
damage" sustained within a
time used by or for any Insured or
building and caused by the
others for the handling, storage,
release of gases, fumes or
disposal, processing or treatment
vapors from materials brought
of waste;
Into that building in connection
(c) Which are or were at any time
with operations being performed
transported, handled, stored,
by you or on your behalf by a
treated, disposed of, or processed
contractor or subcontractor; or
as waste by or for:
(iii) "Bodily Injury" or "property
(1) Any Insured; or
damage" arising out of heat,
(II) Any person or organization for
smoke or fumes from a
whom you may be legally
"hostile fire "; or
responsible;
(e) At or from any premises, site or
(d) At or from any premises, site or
location on which any Insured or any
location on which any insured or
contractors or subcontractors
any contractors or subcontractors
working directly or indirectly on any
working directly or indirectly on
Insured's behalf are performing
any insured's behalf are
operations if the operations are to
performing operations if the
test far, monitor, clean up, remove,
"pollutants" are brought on or to
contain, treat, detoxify or neutralize,
the premises, site or location in
or In any way respond to, or assess
connection with such operations
the effects of, "pollutants ",
by such insured, contractor or
(p) Any loss, cost or expense arising out
subcontractor. However, this
of any:
subparagraph does not apply to:
(a) Request, demand, order or statutory
(1) "Bodily injury" or "property
or regulatory requirement that any
damage'" arising out of tine
insured or others test 'for, monitor,
escape of fuels, lubricants or
clean up, remove, contain, treat,
other operating fluids which are
detoxify or neutralize, or in any way
needed to perform the normal
respond to, or assess the effects of,
electrical, hydraulic or
"pollutants "; or
mechanical functions
(b) Claim or suit by or on behalf of a
necessary fur the operation of
governmental authority for
"mobile equipment" or its parts,
damages because of testing for,
If such fuels, lubricants or other
monitoring, clearing up, removing,
operating fluids escape from a
containing, treating, detoxifying or
vehicle part designed to hold,
neutralizing, or In any way
store or receive them. This
responding to, or assessing the
exception does not apply if the
effects of, "pollutants ".
"bodily Injury" or "property
damage" arises out of the
However, this paragraph does not
intentional discharge, dispersal
apply to liability for damages because
"property
or release of the fuels,
of damage" that the insured
lubricants or other operating
would have in the absence of such
fluids, or if such fuels,
request, demand, order or statutory or
lubricants or other operating
regulatory requirement, or such claim
"cult"
fluids are brought on or to the
or by or on behalf of a
governmental authority.
premises, site or location with
the Intent that they be
discharged, dispersed or
Form 53 00 08 04 05 Page 5 of 24
BUSINESS LIABILITY COVERAGE FORM
g. Aircraft, Auto Or Watercraft
(2) The use of "mobile equipment" in, or
"Bodily Injury" or "property damage" arising
whlle In practice or preparation for, a
out of the ownership, maintenance, use or
prearranged racing, speed or
entrustment to others of any aircraft, "auto'"
demolition contest or in any stunting
or watercraft owned or operated by or rented
activity,
or loaned to any Insured. Use includes
L War
operation and "loading or unloading"
"Bodily injury", "property damage" or
This exclusion applies even If the clolms
"personal and advertising Injury ", however
against any Insured allege negligence or
caused, arising, directly or indirectly, out of:
other wrongdoing in the supervision, hiring,
(1) War, including undeclared or civil war;
employment, training or monitaring of others
by that insured, if the "occurrence" which
(2) Warlike action by a military force,
paused the "bodily injury" or "property
including action in hindering or
damage" involved tale ownership,
defending against on aotual or
maintenance, use or entrustment to others of
expected attack, by any government,
any aircraft, "auto" or watercraft that is
sovereign or other authority using
owned or operated by or rented or loaned to
military personnel or other agents; or
any insured.
(3) Insurrection, rebellion, revolution,
This exclusion does not apply to:
usurped power, or aotlon taken by
governmental authority in hindering or
(1) A watercraft while ashore an premises
defending against any of these,
you own rent;
j Professional Services
(2) Awatercraft you do not own that is:
"Bodily injury" "property damage" or
(a) Less than 51 fast long; and
"personal and advertising injury" arising
(b) Not batng used to carry persons
out of the rendering of or failure to render
for a charge;
any professional service This includes
(3) Parking an "auto" on, or on the ways
but is not limited to:
next to, promises you own or rent,
(1) Legal, accounting or advertising
provided the "auto" is not owned by or
services;
rented or loaned to you or the insured;
(2) Preparing, approving, or falling to
(4) Liability assumed under any "insured
prepare or approve maps, shop
contract" for the ownership,
drawings, opinions, reports, surveys,
maintenance or use of aircraft or
field orders, change orders, designs or
watercraft;
drawings and speci9caflons;
(5) "Bodily injury" or "property damage"
(3) Supervisory, inspection, architectural
ariaing owl of the operation of any of
or engineering activities;
the equipment listed In Paragraph f.(2)
(4) Medlcal, surgical, dental, x-ray or
or f.(3) of the definition of "mobile
nursing servicess treatment, advice or
equipment'; or
instruction;
(0) An aircraft that is not awned by any
(5) Any health or therapeutic service
insured and is hired, charterad or loaned
treatment, advice or instruction;
with a paid crew. However, this
(S) Any service, treatment, advice or
exception does not apply if the insured
"bodily
instruction for the purpose of
has any other insurance for such
or skin
appearance or -kin enhancement, hrair
injury" or "property damage ", whether
removal or meat or personal
removal
the other insurance Is primary, excess,
contingent or on any other basis.
h. Mobile Equipment
(7) Optical or hearing aid services
Including the prescribing, preparation,
"Bodily injury" or "property damage"
fitting, demonstration or distribution of
arising out of:
ophthalmic lonses and similar
(1) The transportation of "mobile equipment"
products or hearing aid devices,
by an "auto" owned or operated by or
rented or loaned to any insured; or
Huge 0 of 24 Form 38 no 08 04 05
BUSINESS LIABILITY COVERAGE FORM
(g) Optometry or oplorratrio services
Paragraphs (1), (3) and (4) of this
including but not limited to examination
exclusion do not apply to "property
of the eyes and the prescribing,
damage" (other than damage by fire) to
preparation, fttting,damonstration or
premises, including the contents of such
distribution of ophthalmic lenses and
premises, rented to you for a period of 7 or
similar products;
fewer oonsscutive days. A separate Limit
(9) Any:
of Insurance applies to Damage To
(a) Body piercing (not including ear
Premises Rented To You as described In
piercing);
Section D. - Limits Of Insurance.
(b) Tattooing, including but not limited
Paragraph (2) of this exclusion does not
to the Insertion of pigments Into or
apply if the premises are "your work" and
under the skin; and
were never occupied, rented or held for
(o) Similar services;
rental by you,
(10) Services in the practice of pharmacy;
Paragraphs (3) and (4) of this exclusion do
and
not apply to the use of elevators.
(11) Computer consulting, design or
Paragraphs (3), (4), (5) and (6) of this
exclusion do not apply to liability assumed
programming services, Including web
under a sidetrack agreement.
site design,
Paragraphs (4) and (5) of this exclusion do
Paragraphs (3) and (4) of this exclusion do
"property
not apply to the Incidental Medical
not apply to damage" to
borrowed equipment while not being used
Malpractice coverage afforded under
Paragraph i.e. in Sertien A. - Coverages,
to perform operations at a job site.
K Damage To Property
paragraph (6) of this exclusion dons not
"property
apply to damage" included in the
"Property damage" to:
"products- completed operations hazard ".
(1) Property you own, rent or occupy,
I, Damage To Your Product
Including any costs or expenses
Incurred by you, or any other person,
"Property damage" to "your product"
organization or entity, for repair,
arising out of it or any part of it.
replacement, enhancement,
m, Damage To Your Shark
restoration or maintonance of such
"Property damage" to "your work" arising
Property for any rooson, Including
out of it or any pant of it and included in the
prevention of injury to a person or
"products- cornpleted operations hazard ",
damage to another's property;
This exclusicn does not apply if the
(2) Premises you sell, give away or
damaged work 'or the work out of which
abandon, if the "'property damage" arises
the darnage arises was performed on your
out of any part of those premises;
behalf by a subcontractor
(3) Property loaned to you;
n. Damage To Impaired Property or
4
() Personal property In the care, custody
Property Not Physically Injured
or control of the insured;
"Property damage" to "impaired property"
(5) That particular part of real property on
or property that has not been physically
which you or any oontractors or
injured, arising out of:
suboontraotors working directly or
(1) A defect, deficiency, Inadequacy or
indirectly on your behalf are performing
dangerous condition in "your product"
Operations, if the "property damage"
or "your work "; or
arises out of those operations; or
(2) A delay or failure by you or anyone
(6) That particular part of any property
acting on your behalf to perform a
that must be restored, repaired or
contract or agreement in accordance
replaced because "your work" was
with its terms.
incorrectly performed on it.
This exclusion does not apply to the loss
Of use of other property arising out of
sudden and accidental physical Injury to
"your product" or "your work" after it has
boon put to its Intended use.
Form $S 00 08 04 06 Page 7 of 24
BUSINESS LIABiL,ITY COVERAGE FORM
o. Recall Of Products, Work Or impaired
(o) Title of any literary or artistic work;
Property
Damages claimed for any loss, cost or
(8) Arising out of an offense cammiitad by
an insured whose business Is;
expense Incurred by you or others for the
(a) Advertising, broadcasting,
loss of use, withdrawal, recall, Inspection,
publishing or telecasting;
repair, replacement, adjustment, removal
or disposal of:
(b) Designing or determining content
(1) "Your product ";
of web sites for others; or
(2) "Your work "; or
(e) An Internet search, access,
(8) "Impaired property ";
content or service provider.
If such product, work or property is
However, this exclusion does not
apply to Paragraphs a„ b, and c.
withdrawn or recalled from the market or
from use by any person or organization
under the definition of "personal and
because of a known or suspected defect,
advertising injury" in Section G. —
Liability And Medical Expenses
deficiency, inadequacy or dangerous
Definitions,
condition in It.
P. Personal And Advertising Injury
For the purposes of this exclusion,
'advertisement"
Placing an for or
"Personal and advertising Injury ":
linking to others on your web site, by
(1) Arising out of oral, written or electronic
itself, is not considered the business
publication of material, if done by or at
of advertising, broadcasting,
the direction of the Insured with
publishing or telecasting;
knowledge of its falsity;
(8) Arising out of an electronic chat room
(2) Arising out of oral, written or electronic
or bulletin board the Insured hosts,
publication of material whose first
owns, or over which the Insured
publication took place before the
exorcises control;
beginning of the policy period;
(10) Arising out of the unauthorized use of
(3) Arising out Of a criminal act committed
another's name or product In your e-i nail
by or at the direction of the insured;
address, domain name or metatags, or
(%) Arising out of any broach of contract,
any other similar tactics to mislead
except an Implied contract to use
anther's potential customers;
another's "advertising Idea" In your
{11) Arising out of the violation of a
"advertisement ",
person's right of privacy crenated by.
(5) Arising out of the failure- of goods,
any state or federal act,
products or services to conform with
However, this exclusion dines not
any statement of quality or
apply to liability for damages that the
performance made in your
insured would have in the, absence of
"advertisement ";
'such state or federal act;
(g) Arising out of the wrong description of
(12) Arising out of;
the price of goods, products or services;
(a) An "advertisement" for others on
(7) Arising out of any violation of any
your web site;
Intellectual property rights such as
(b) Placing a link to a web site of
copyright, patent, trademark, trade
others on your web site;
name, trade secret, service mark or
(0) Content from a web site of others
other designation of origin or
authenticity`
displayed within a frame or border
on your web site. Content includes
However, this exclusion does not
Information, code, sounds, text,
apply to infringement, In your
graphics or images; or
"advertisement ", of
(d) Computer code, software or
(a) Copyright;
programming used to enable:
(b) Slogan, unless the slogan is also
(1) Your web site; or
a trademark, trade nania, service
(11) The presentation or functionality
mark or other designation of or
or authenticity; or
of an "advertisement" or other
content an your web site;
Page 9 of 24 Form SS 00 08 04 05
BUSINESS LIABILITY COVERAGE FORM
(13) Arising out of a violation of any anti-
(a) May be awarded or incurred by
trust law;
reason of any claim or suit
(14) Arising out of the fluctuation In price or
alleging actual or threatened injury
value of any stocks, bonds or other
or damage of any nature or kind to
securities; or
persons or property which would
(15) Arising out of discrimination or
not have occurred in whole or in
"asbestos
humiliation committed by or at the
part but for the hazard ";
direction of any "executive officer ",
(b) Arise out of any request, dernand,
director, stockholder, partner or
order or statutory or regulatory
member of the insured.
requirement that any Insured or
q. Electronic Data
others lost for, monitor, clean up,
remove, encapsulate, contain.
Damages arising out of the loss of, loss of
treat, detoxify or neutralize or in
use of, damage to, corruption of, inability
any way respond to or assess the
to access, or Inability to manipulate
effects of an "asbestos hazard "; or
"electronic data ".
(c) Arise out of any claim suit for
r, Employment-Related Practices
damages because of testing for,
es
"Bodily injury" or "personal and advertising
monitorng, cleaning up, removing,
Injury" to:
encapsulating, containing, treating,
(1) A person arising out of any:
detoxifying or neutralizing or in any
way responding to or assessing the
(a) Refusal to employ that person;
effects of an "asbestos hazard ".
(b) Terminatlon of that person's
L Violation Of Statutes That Govern E.
employment; or
Mails, Fax, Phone Calls Or Other
(c) Employment - related practices,
Methods Of Sending Material Or
policies, acts or omissions, such as
Information
coercion, demotion, evaluation,
"Bodily injury", "property damage ", or
reasskgnrnent, discipline,
"personal and advertising injury" arising
defamation, harassment, humiliation
directly or Indirectly out of any action or
or discrimination directed at that
omission that violates or is alleged to
person; or
violate:
(2) The spouse, child, parent, brother or
(1) The Telephone Consumer Protection
sister of that parson as a
Act (TCPA), including any amendment
consequence of "bodily injury" or
of or addition to such law;
"personal and advertising Injury" to the
the
(2) The CAN -SPAM Act of 2003, including
person at whom any of
employment- related practices
any amendment of or addition to such
described In Paragraphs (a), (b), or (c)
law; or
above is directed.
(3) Any statute, ordinance or regulation,
This exclusion applies;
other than the TCPA or CAN -SPAM Act
of 2003, that prohibits or limits the
(1) Whether the Insured may be liable as
sending, transmitting, oommunicating or
an employer or in any other capacity;
distribution of material or information.
and
Darnage To Premises Rented To You
(2) To any obligation to share damages
Exception For Damage By Fire, Lightning
with or repay someone else who must
or Explosion
pay damages because of the injury.
Exclusions c. through h, and k. through o, do
s, Asbestos
not apply to damage by fire, lightning or
(1) "Bodily Injury ", "property damage" or
explosion to premises rented to you or
" "personal and advertising injury"
temporarily occupied by you with permission of
arising out of the "asbestos hazard ",
the owner. A separate Limit of Insurance
(2) Any damages, judgments, settlements,
applies to this coverage as described in
loss, costs or expenses that
Section D. - Liability And Medical Expenses
L.Imits Of Insurance,
Form SS 00 08 04 05 Page 9 of 24
BUSINESS LIABILITY COVERAGE FORM
2. Applicable To Medical Expenses Coverage
We will not pay expenses for "bodily Injury":
a. Any Insured
To any insured, except `volunteer workers ".
b. Hired Person
To a person hired to do work for or on behalf
of any insured or a tenant of any insured.
c, Injury On Normally Occupied Premises
To a person injured on that part of
promises you own or rent that the person
normally occupies.
d. Workers' Compensation And Similar
Laws
To a parson, whether or not an
"employee" of any insured, If benefits for
the "bodily injury" are payable or must be
provided under a workers' compensation
or disability benefits law or a similar law.
% Athletics Activities
To a person injured while practicing,
instructing or participating In any physical
exercises or games, sports or athletic
Contests,
I. Products-Completed Operations Hazard
Included with the "products- completed
operations hazard ".
g. Business Liability Exclusions
Excluded under Business Liability Coverage,
M
1, if you are designated in the Qodaraticna as;
a. An Individual, you and your spouse are
Insureds, but only with respect to the
conduct of a business of which you are the
We owner.
b. A partnership or Joint venture, you are an
Insured. Your members, your partners, and
their spouses are also insureds, but only with
respect to the conduct of your business,
c. A limited liability company, you are an
insured. Your members are also insureds,
but only with respect to the conduct of your
business. Your managers are insureds, but
only with respect to their duties as your
managers.
d, An organization other then a partnership,
joint venture or limited liability company, you
are ran insured, Your "executive officers" and
directors are insureds, but only with respect
to their duties as your officers or directors.
Your stockholders are also Insureds, but only
with respect to their liability as stockholders.
a. A trust, you are an insured. Your trustees
are also insureds, but only with respect to
their duties as trustees,
2. Each of the following is also an Insured:
a. Employees And Volunteer Workers
Your "volunteer workers" only Willie
performing duties related to the conduct of
your business, or your "employees ", other
than elther your "executive officers" (if you
are an organization other than a
partnership, joint venture or limited liability
company) or your managers (if you are a
limited liability company), but only for acts
within the scope of their employment by
you or while performing duties related to
the conduct of your business,
However, none of these "employees" or
" volunteer workers" are Insureds far:
(1) 'Bodily injury" or "personal and
advertising injury";
(a) To you, to your partners or
members (If you are a partnership
orjoint venture), to your members
(if you are a limited ilebility
company), or to a co-"employee"
while in the course of his or her
employment or performing duties
related to the conduct of your
business, or to your other
"volunteer workers" while
performing duties related to the
conduct of your business;
(b) To the spouse, child, parent,
brother or sister of that co.
"employee" or that "volunteer
worker" as a consequence of
Paragraph (1)(a) above;
(c) For which there is any obligation
to share damages with or repay
someone else who must pay
damages because of the injury
described in Paragraphs (1)(a) or
(b) above; or
(d) Arising out of his or her providing
or failing to provide professional
health care services.
If you are not in the business of
Providing professional health care
services, Paragraph (d) does not apply
to any nurse, emergency medical
technician or paramedic employed by
you to provide such services.
(2) "Property damage" to property;
(a) Owned, occupied or used by,
Page 10 of 24 Form 38 00 08 04 05
(b) Rented to, In the care, custody or
control of, or over which physical
control is being exercised for any
purpose by you, any of your
"employees ", "volunteer workers ",
any partner or member (if you are
a partnership or joint venture), or
any member (if you are a limited
liability company).
b. Real Estate Manager
Any person (other than your "employee" or
"volunteer worker'), or any organization
while acting as your real estate manager.
c, Temporary Custodians Of Your
Property
Any person or organization having proper
temporary custody of your property if you
die, but only:
(1) With respect to liability arising out of the
maintenance or use of that property; and
(2) Until your legal representative has
been appointed.
d. Legal Representative If You Die
Your legal representative if you die, but
only with respect to duties as such. That
representative will have ail your rights and
duties under this insurance.
e. Unnamed Subsidiary
Any subsidiary and subsidiary thereof, of
yours which is a legally Incorporated entity
of which you own a financial interest of
more than 50% of the voting stock an the
effective data of this Coverage Part,
The insurance afforded herein for any
subsidiary not shown in the Declarations
as a named Insured does not apply to
injury or damage with respect to which an
insured under this insurance is also an
insured under another policy or would be
an Insured under such policy but for its
termination or upon the exhaustion of its
limits of insurance,
3, Newly Acquired Or Formed Organization
Any organization you newly acquire or form,
other than a partnership, joint venture or
limited liability company, and over which you
maintain financial interest of more than 50% of
the voting stock, will qualify as a Named
Insured If there is no other similar insurance
available to that organization. However:
a, Coverage under this provision is afforded
only until the 18001 day after you acquire
or form the organization or the and of the
policy period, whichever is earlier; and
BUSINESS LIABILITY COVERAGE FORM
b. Coverage under this provision does not
apply to:
(1) "Bodily injury" or, "property damage"
that occurred; or
(2) "Personal and advertising injury"
arising out of an offense committed
before you acquired or farmed the
organization,
4. Operator Of Mobile Equipment
With respect to "mobile equipment' registered In
your name under any motor vehicle registration
law, any person Is an insured while driving such
equipment along a public highway with your
permission. Any other person or organization
responsible for the conduct of such person Is
also an insured, but only with respect to liability
arising out of the operation of the equipment, and
only if no other Insurance of any kind Is available
to that person or organization for this liability.
However, no person or organization is an insured
with respect to;
a. "Bodily injury" to a oo� "ompioyee" of the
person driving the equipment; or
b. "Property damage" to property owned by,
rented to, in the charge of or occupied by
you or the ornpioyer of any person who Is
an Insured under this provision.
6, Operator of Nonowned Watercraft
With respect to watercraft you do riot own that
Is less than 51 fast long and is not being used
to can persons for a charge, any person is an
insured while operating such watercraft with
your permission. Any other person or
organization responsible for the conduct of
such person is also an insured, but only with
respect to liability arising out of the operation
of the watercraft, and only if no other
insurance of any kind is availebla to that
person or organization for this liability,
I- lowever, no person or organization Is an
insured with respect to:
a, "Bodily injury" to a co- "employee" of the
person operating the watercraft: or
b. "Property damage" to property owned by,
rented to, in the charge of or occupied by
YOU or the employer of any person who is
an insured under this provision.
6. Additional Insureds When Required By
Written Contract, Written Agreement Or
Permit
The person(s) or organization(s) identified in
Paragraphs A. through f, below are additional
Insureds when you have agreed, in a written
Form SS 00 08 04 05 Page 11 of 24
BUSINESS LIABILITY COVERAGE FORM
contract, written agreement or because of a
(e) Any failure to make such
Permit issued by a state or political
subdivision, that such person or organization
inspections, adjustments, tests or
be added as an additional Insured on your
servicing as the vendor has
agreed to make or normally
Policy, provided the Injury or damage occurs
undertakes to make in the usual
subsequent to the execution of the contract or
course of business. In connection
agreement, or the issuance of the permit.
with the distribution or sale of the
A person or organization Is an additional
products;
Insured under this provision only for that
1@ Demonstration, Installation,
period of time required by the contract,
aervloing or repair operations,
agreement or permit,
except such operations performed
However, no such person or organization is en
at the vendor's premises in
additions[ insured under this provision if such
connection with the sale of the
person or organization is included as an
product;
additional Insured by an endorsement issued
(g) Products which, after distribution
by us and made a part of this Coverage Part,
or sale by you, have been labeled
Including all persons or organizations added
or relabeled or used as a
as additional Insureds under the specific
container, pail or ingredient of any
additional Insured coverage grants in Section
other thing or substance by or for
F. — Optional Additional Insured Coverages,
the vendor; or
a. Vendors
(h) "Bodily Injury" or "property
Any persona) or organization(s) (referred to
damage" arising out of the sole
below as vendor), but only with respect to
negligence of the vendor for its
"bodily injury" or "property damage" arising
own acts or omissions or those of
out of "your products" which are distributed
Its employees or anyone else
or sold in the regular course of the vendor's
acting on Its behalf. However, this
business and only if this Coverage Part
exclusion does not apply toe
provides coverage for "bodily injury" or
(1) The exceptions contained in
"property damage" included within the
Subparagraphs (d) or (t); or
" produets- completed operations hazard ".
(ii) Such inspac4tans, adjustments,
(1) The Insurance afforded to the vendor
tests or servicing as the vendor
is subject to the following additional
has agreed to make or normally
exclusions;
undertakes to make in the usual
This insurance dogs riot apply to!
course of business, in
(a) "Bodily Injury" or "property
connection with tiro distribution
damage" for which the vendor is
ar sale of the preducts.
obligated to pay damages by
(2) This insurance does not apply to any
reason of the assumption of
Insured person or organization from
liability in a contract or agreement
whom you have acquired such products,
This exclusion does not apply to
or any ingredient, part or container,
liability for damages that the
entering Into, accompanying or
vendor would have in the absence
containing such products,
of the contract or agreement;
b. Lessors Of Equipment
(b) Any express warranty
(1) Any person or organization front
unauthorized by you;
whom you lease equipment; but only
(C) Any physical or chemical change
with respect to their liability for "bodily
In the product made intentionally
injury% "property damage" or
by the vendor;
"personal and advertising injury"
(d) Repackaging, except when
caused, in whole or in part, by your
unpacked solely for the purpose of
maintenance, operation or use of
equipment leased to you by such
Inspection, demonstration, testing,
person or organization.
or the substitUtiOn of parts under
instructions from the manufucturar,
and than repackaged in the
original container;
Page 12 of 24 Form 5S 00 013 04 05
BUSINESS LIABILITY COVERAGE FORM
(2)
With respect to the Insurance afforded
e. Permits Issued By State Or Political
to these additional insureds, this
Subdivisions
Insurance does not apply to any
11
(1) Any state or political subdivision, but
occurrence" which takes place after
only with respect to operations
you cease to lease that equipment.
performed by you or on your behalf for
c, Lessors
Of Land Or premises
which the state or political subdivision
(1)
Any person or organization from
has Issued a pormlt.
whom you lease land or premises, but
(2) With respect to the insurance afforded
only with respect to liability arising out
to these additional insureds, this
of the ownership, maintenance or use
Insurance does not apply to:
of that part of the land or promises
(a) "Bodily injury" "property damage"
leased to you.
or "personal and advertising
(2)
With respect to the Insurance afforded
injury" arising out of operations
to these additional insureds, this
performed for the state or
insurance does not apply to:
municipality; or
(a) Any "occurrence" which takes
(b) "Bodily injury" or "property damage"
place after you cease to lease that
included within the "products -
land or be a tenant In that
completed operations hazard ",
premises; or
f, Any Other party
(b) Structural alterations, new
(1) Any other person organization who
construction or demolition
is not an insured under Paragraphs a,
operations performed by or on
through e, above, but only with
behalf of such person or
respect to liability for "bodily injury",
organization,
"property damage " or "personal and
d. Architects, Engineers Or Surveyors
advertising injury" caused, in whole or
(1)
Any architect, engineer, or surveyor, but
in part, by your acts or omissions or
only with respect to liability for "bodily
the acts or omissions of those acting
Injury" "property damage" or "personal
on your behalf:
and advertising Injury" caused, in whole
(a) In the performance of your
or in pail, by your acts or ornlssions or
ongoing operations;
the acts or orrlssbris of those acting on
(b) In connection with your premises
your behalf:
owned by or rented to you; or
(a) In connection with your premises;
(c) In connection with "your work" and
or
included within the "products.
(b) in the performance of your
completed operations hazard ", but
ongoing operations performed by
only if
you or on your behalf.
(i) The written contract or written
(2)
With respect to the Insurance afforded
agreement requires you to
to these additional Insureds, the
provide such coverage to
following additional exclusion applies:
such additional insured; and
This insurancee does not apply to
(11) This Coverage Part provides
"bodily injury", "property damage" or
coverage for "bodily injury" or
"Personal and advertising Injury"
"property damage" included
arising out of the rendering of or the
within the "products -
failure to render any professional
completed operations hazard ".
services by or for you, including:
(2) With respect to the insurance afforded
(a) The preparing, approving, or
to these additional insureds, this
failure to prepare or approve,
insurance does not apply to:
maps, shop drawings, opinions,
"Bodily injury" "property damage" or
reports, survoys, field orders,
"personal and advertising injury"
change orders, designs or
arising out of the rendering of, or the
drawings and speoifloations; or
failure to render, any professional
(b) Supervisory, Inspection,
architectural, engineering or surveying
architectural or engineering
services, Including:
activities.
Form SS DD 06 04 05 Page 13 of 24
BUSiNESS LIABILITY COVERAGE FORM
(a) The preparing, approving, or
failure to prepare or approve,
maps, shop drawings, opinions,
reports, surveys, field orders,
change orders, designs or
drawings and speciFlaations; or
(b) Supervisory, Inspection,
architaotural or engineering
activities,
The limits of Insurance that apply to additional
insureds are described in Section 0. - Limits
Of insurance.
Now this Insurance applies when other
Insurance is available to an additional Insured
Is described in the Other Insurance Condition
in Borden E. - Liability And Medical Expenses
General Conditions.
No person or organization is an insured with
respect to the conduct of any current or past
partnership, joint venture or limited liability
company that is not shown as a Named Insured In
the Declarations.
D. LIABILITY AND MEDICAL EXPENSES
LIMITS OF INSURANCE
1. The Most WeVtfil Pay
The Limits of Insurance shown in the
Declarations and the rules below fix the most
we wilt pay regardless of the number of.
a. Insureds;
b. Claims made or "suits" brought; or
o. Persons or organizations making claims or
bringing "suits ".
2. Aggregate Limits
The most we will pay for;
a, Damages because of "bodily injury" and
"property damage" included in the
"products - completed operations hazard" is
the Products - Completed Operations
Aggregate Limit shown in the
Declarations.
b. Damages because of all other "bodily
injury ", "property damage" or "personal
and advertising injury" including medical
expenses, Is the General Aggregate Limit
shown in the Declarations.
This general Aggregate Limit applies
separately to each of your "locations"
owned by or rented to you.
"Location" means premises involving the
same or connecting lots, or premises
whose connection is interrupted only by a
street, roadway or right -of -way of a
railroad.
This General Aggregate limit does not
apply to "property damage" to premises
while ranted to you or temporarily
occupied by you with permission of the
owner, arising out of fire, lightning or
explosion,
3. Each Occurrence Limit
Subject to 2.a. or 2.b above, whichever
applies, the most we will pay for the sum of all
damages because of all "bodily injury"
"property damage" and medical expenses
arising out of any one ' "occurrence" is the
Liability and Medical Expenses Limit shown in
the Declarations.
The most we will pay for all medical expenses
because of "bodiiy lnjury" sustained by any
one person is the Medical Expenses Limit
shown in the Declarations.
4. personal And Advertising lnjuuryLimit
Subject to 2.b. above, the most we will pay for
the sum of all damages because of all
"personal and stIverdsing Injury" sustained by
any one person or organization Is the Personal
and Advertising Injury Limit shown in the
Declarations.
0. Damage To Premises Rented To You Limit
The Darnage To Premises Rented To You
Limit is the most we will pay under Business
Liability Coverage for damages because of
"property damage" to any one premises, while
rented to you, or In the case of damage by fire,
lightning or explosion, while rented to you or
temporarily occupied by you with permission of
the owner.
In the case of damage by fire, lightning or
explosion, the Damage to Premises (tented To
You Limit applies to all damage proximately
caused by the same event, whether such
damage results from fire, lightning or explosion
or any combination of these.
0. Now Limits Apply To Additional Insureds
The most we will pay on behalf of a person or
organization who is an additional insured
under this Coverage Part Is the lesser of
a. The limits of insurance specified in a
written contract, written agreement or
permit issued by a state or political
subdivision; or
b. "the Limits of Insurance shown in the
Declarations.
Such amount shall be a part of and not in
addition to the bruits of Insurance shown In
the Declarations and described In this Section.
Page 14 of 24 Form SS 00 06 04 05
BUSINESS LIABILITY COVERAGE FORM
If more than one limit of insurance under this
(1) Immediately send us copies of any
policy and any andorsements attached thereto
demands, notices, summonses or
applies to any claim or "suit ", the most we will pay
legal papers received in connection
under this policy and the endorsements is the
with the claim or "suit ";
single highest limit of liability of all coverages
(2) Authorize us to obtain records and
applicable to such claim or "suit ". However, this
other information;
paragraph does not apply to the Medical Expenses
limit set forth in Paragraph 3, above•
(3) Cooperate with us in the Investigation,
The Limits of Insurance of this Coverage Part apply
settlement of the claim or defense
"suit ";
separately to each consecutive annual period and to
against the and
any remaining period of less then 12 months, starting
(4) Assipt us, upon our request, in the
with the beginning of the policy period shown In the
enforcement of any right against any
Declarations, unless the policy period is extended
person or organization that may be
after issuance for sir additional period of less then 12
iisbie to the insured because of injury
months. In that case, the additional period will be
or damage to which this insurance
deemed part of the last preceding period for purposes
may also apply,
of determining the t.imits of Insurance.
d. Obligations At The Insured's Own Cost
E LIABILITY AND MEDICAL EXPENSES
No Insured will, except at that insured's own
GENERAL AL CONDITIONS
cost, voluntarily make a payment, assume
any obligation, or incur any expense, other
1. Bankruptcy
than for first aid, without our consent.
Bankruptcy or insolvency of the Insured or of
e. Additional Insurees Other insurance
the Insured's estate will not relieve us of our
if we cover a claim or "Suit" under this
obligations under this Coverage Part,
Coverage Part that may also be covered
2. Duties In The Event Of Occurrence,
by other insurance available to an
Offense, Claim Or Suit
additional insured, such additional insured
a, Notice Of Occurrence Or Offense
must submit such claim or "suit" to the
You or any additional insured must sea to
other insurer for defense and Indemnity.
that are notified soon as
However, this rovision does not a pply to
practicable of an "occurrence" or an
p le n
the extent that you have agreed
y in a
offense which may result in a claim. To
written contract, written agreement or
the extent possible, notice should include:
permit that this insurance is primary and
(1) How, when and whore the "occurrence"
non - contributory with the additional
insured's own Insurance.
or Offense took place;
(2) The names and addresses of any
f. Knowledge Of An Occurrence, offense,
injured persons and witnesses; and
Claim Or Suit
(3) Tire nature and location of any injury
paragraphs a, and b, apply to you or to
or damage arlsing out of the
any additional Insured only when such
"eccurronce ",
"occurrence or offense,
offense, claim or "suit" is
known to:
b. Notice Of Claim
(1) You or any additional Insured that is
If a claim is made ar "suit" is brought
an individual;
against any Insured, you or any additional
(2) Any partner, if you or an additional
Insured must:
Insured is a partnership;
(1) Irntnedlately record the specifics of the
(3) Any manager, if you a an additional
claim or "quit" and the date received;
Insured Is a limited liability company;
and
(?,) Notify us as soon as practicable,
(4) Arty "executive officer" or Insurance
manager, If you or an additional
You or any additional insured must see to
Insured Is a corporation;
It that we receive a written notfoa of the
(6) Any trustee, if you or an additional
claim or "suit" as soon as practicable,
Insured Is a trust; or
c. Assistance And Cooperation Of The
(6) Any elected or appointed official, If you
Insured
or an additional insured is a political
You and any other involved insured must:
subdivision or public, entity.
Form SS 00 08 04 05
rage 15 of 24
BUSINESS LIABILITY COVERAGE. FORM
This Paragraph Jr. applies separately to
you and any additional Insured,
Financial Responsibility Laws
a, When this policy is certified as proof of
financial responsibility for the future under
the provisions of any motor vehicle
financial responsibility few, the insurance
provided by the policy for "bodily Injury"
liability and "property damage" liability will
comply with the provisions of the law to
the extent of the coverage and limits of
insurance required by that law,
b, With respect to "mobile equipment" to
which this insurance applies, we will
provide any liability, uninsured motorists,
underinsured motorists, no -fault or other
coverage required by any motor vehicle
law. We will provide the required Ilmits for
those coverages,
4. Legal Action Against Us
No person or organization has a right under
this Coverage Form:
a. To join us as a party or otherwise bring us
Into a "suit' asking for damages from an
fnsured; or
b. To sue us on this Coverage Form unless
all of Its terms have been fully complied
with.
A person or organization may sue us to recover
on an agreed settlement or on a 'Anal judgment
against an insured; but we will not be liable for
damages that are not payable under the terms of
this Insurance or that are in excess of the
applicable limit of insurance. An agreed
settlement means a sottlentont and release of
liability signed by us, the insured and the
claimant or the claimant's legal representative,
S. Separation Of Insureds
Except with respect to the Urrdts of Insurance,
and any rights or duties specifically assigned
In this policy to the first Named Insured, this
Insurance applies:
a. As if each Named Insured were the only
Named Insured; and
b. Separately to each insured against whom
a claim is made or "sulk" is brought
6. Representations
a. When You Accept Thts Policy
By accepting this policy, you agree:
(1) The statements in the Declarations
are accurate and complete;
(2) Those statements are based upon
representations you made to us; and
(3) We have issued this policy In reliance
upon your representations.
b, Unintentional Failure To Disclose
Hazards
If unintentionally you should fall to disclose
all hazards relating to the conduct of your
business at the inception data of this
Coverage Part, we shall not deny any
coverage under this Coverage part
because of such failure.
7. Otherinsurance
If other valid and collectible insurance is
available for a loss we cover under this
Coverage Part, our obllgetions are limited as
follows;
a, Primary Insurance
This insurance is primary except when b.
below applies, if other insurance is also
primary, we will share with all that other
Insurance by the method described In c,
below.
b. Excess insurance
This insurance Is excess over any of the
other insurance, whether primary, excess,
contingent or on any other basis;
(1) Your Work
That is Fire, Extended Coverage,
Builder's Risk, Installation Risk or
similar coverage for "your work ";
(2) Premises Rented To You
That Is fire, lightning or explosion
Insurance for premises rented to you
or temporarily occupied by you with
permission of the owner;
(3) Tenant Liability
That is insurance purchased by you to
cover your liability as a tenant for
"property damage" to premises rented
to you or temporarily occupied by you
with permission of the owner,
(4) Aircraft, Auto Or Watercraft
If the loss arises out of the maintenance
or use of aircraft, "autos" or watercraft to
the extent not subject to Exclusion g, of
Section A. — Coverages,
(6) Property Damage To Borrowed
Equipment Or Use Of Elevators
If the loss arises out of "property
damage" to borrowed equipment or
the use of elevators to the extent riot
subject to Excluslon k. of Section A,
Coverages,
Page 16 of 24 Form SS 00 08 04 06
(6) When You Are Added As An
Additional insured To Other
Insurance
That is other insurance available to
you covering (lability for damages
arising out of the premises or
operations, or products and completed
operations, for which you have been
added as an additional insured by that
Insurance; or
(7) When You Add Others As An
Additional Insured To This
Insurance
That is other insurance available to an
additional Insured.
However, the following provisions
apply to other Insurance available to
any person or organization who is an
additional insured under this Coverage
Part:
(a) Primary Insurance When
Required By Contract
This insurance is primary If you
have agreed in o written contract,
written agreement or permit that
this Insurance be primary. If other
Insurance is also primary, we will
share with all that other insurance
by the method described in c.
below.
(b) Primary And Non - Contributory
To Other insurance When
Required By Contract
If you have agreed in a written
contract, written agreement or
permit that this insurance Is
primary and non-contributory with
the additional Insured "s own
Insurance, this Insurance Is
primary and we will not seek
contribution from that other
insurance.
Paragraphs (a) and (b) do not apply to
other Insurance to which the additional
Insured has been added as an
additional insured.
When this Insurance is excess, we will
have no duty under this Coverago Part to
defend the insured against any "suit" if any
other Insurer has a duty to defend the
Insured against that "suit ". If no other
Insurer defends, we will undertake to do
so, but we will be entitled to the Insured's
rights against all those other Insurers.
SUSINSSS LIABILITY COVCRAOS FORM
When this insurance Is excess over other
Insurance, we will pay only our share of
the amount of the loss, if any, that
exceeds the sum of,
(1) The total amount that all such other
Insurance would pay for the loss in the
absence of this Insurance; and
(2) The total of all deductible and self -
insured amounts under all that other
insurance,
We will share the remaining lose, it any, with
any other Insurance that is not described in
this Excess Insurance provision and was riot
bought specifically to apply In excess of the
Limits of Insurance shown in the
Declarations of this Coverage part.
o, Method Of Sharing
If all the other insurance permits
contribution by equal shares, we will follow
this method also. Under this approach,
each insurer contributes equal amounts
until it has paid its applicable limit of
insurance or none of the loss remains,
whichever comes first.
If any of the other Insurance does not permit
contribution by equal shares, we will
contribute by limits. Under this method, each
insurer's share is based on the ratio of its
applicable limit of insurance to the total
applicable limits of insurance of all Insurers.
8. Transfer Of Rights Of Recovery Against
Others To Us
a, Transfer Of Rights Of Recovery
If the Insured has rights to recover all Or
part of any payment, including
Supplementary Payments, we have made
under this Coverage Pratt, those rights are
transferred to us, The insured must do
nothing after loss to impair them. At our
request, the insured will bring "suit" or
transfer those rights to us and help us
enforce them. This condition does not
apply to Medical Expenses Coverage,,
I), Waiver Of Rights Of Recovery (Waiver
Of Subrogation)
If the insured has waived any rights of
recovery against any person or
organization for all or part of any payment,
Including Supplementary Payments, we
have made under this Coverage Bart, we
also waive that right, provided the Insured
waived their rights of recovery against
such person or organization In a contract,
agreement or permit that was executed
prior to the injury or damage.
Form $S 00 OS 04 0e, Page 17 of 24
BUSINESS LIABILITY COVERAGE FORM
OPTIONAL M lY
COVERAGES
If listed or shown as applicable in the Declarations,
one or more of the following Optional Additional
Insured Coverages also apply. When any of these
Optional Additional Insured Coverages apply,
Paragraph 8. (Additional Insureds When Required
by Written Contract, Written Agreement or Permit)
Of Section C„ Who Is An Insured, does not apply
to the person or organization shown In the
Declarations. Those coverages are subject to the
terms and conditions applicable to Buslnoss
Liability Coverage in this policy, except as
provided below:
1. Additional Insured - Designated Person Or
Organization
WHO IS AN INSURED under Section C, is
amended to include as an additional insured
the person(s) or orgartization(s) shown in the
Declarations, but only with respect to liability
for "bodily Injury ", "property damage" or
"personal and advertising Injury" caused, in
whole or in part, by your acts or omissions or
the acts or omissions of these acting on your
behalf:
a. In the performance of your ongoing
operations, or
It. In connection with your premises owned
by or rented to you,
2. Additional Insured - Managers Or Lessors
Of Premises
a. WHO IS AN INSURED under Section G, is
an'rended to Include as an additional Insured
the person(s) or organizatlon(s) shown in the
Declarations as an Additional Insured -
Designated Person Or Organization; but only
with respect to liability arising out of the
ownership, maintenance or use of that part of
the promises leased to you and shown in the:
Declarations.
It. With respect to the insurance afforded to
these additional insureds, the following
additional exclusions apply:
This Insurance does not apply to:
(1) Any "occurrence" which takes place
after you cease to be a tenant in that
premises; or
(2) Structural alterations, new
construction or demolition operations
performed by or on behalf of such
person or organization.
Page 18 of 24
3. Additional Insured ,. Grantor Of Franchise
WHO IS AN INSURED under Section C. is
amended to include as an additional Insured
the person(s) or organlzalion(s) shown in the
Declarations as an Additional Insured -
Grantor Of Franchise, but only with respect to
their liability as grantor of franchise to you.
4. Additional Insured - Lessor Of Leased
Equipment
a. WHO IS AN INSURED under Section C. is
amended to include as an additional
Insured the person(s) or organization(s)
shown in the Declarations as an Additional
Insured — Lessor of Leased Equipment,
but only with respect to liability for "bodily
Injury", "property damage" ar "personal
and advertising injury" caused, in whole or
In part, by your maintenance, operation or
use of equipment leased to you by such
persons) or organization(s).
b. With respect to the insurance afforded to
these additional Insureds, this Insurance
does not apply to any "occurrence" which
takes place after you cease to lease that
equipment.
5. Additional insured - Owners Or Other
Interests From Whom Land Has Been
Leased
a. WHO IS AN INSURED under Section C, is
amended to include as an additional
Insured the person(s) or organization(s)
shown in the Declarations as an Additions[
Insured — Owners Or Other Interests From
Whom Land Has Been leased, but only
with respect to liability arising out of the
ownership, maintenance or use of that part
of the land loosed to you and shown in the
Declarations.
b. With respect to the insurance afforded to
these additional Insureds, the following
additional exclusions apply:
This insurance does not apply to:
(1) Any "occurrence" that takes place
after you cease to tease that land; or
(2) Structural alterations, new
construction or demolition operations
Performed by or on behalf of such
person or organization,
8, Additional Insured - State Or Political
Subdivision — Permits
a, WHO IS AN INSURED under Section C, is
amended to Include as an additional
Insured the state or political subdivision
shown in the Declaration: as an Additional
Form SS 00 08 04 05
BUSINESS LIABILITY COVERAGC FORM
Insured - State Or Political Subdivision •
(e) Any failure to make such
Permits, but only with respect to
Inspections, adjustments, tests or
operations performed by you or on your
servicing as the vendor has agreed
behalf for which the state or political
to make or normally undertakes to
subdivision has issued a permit,
make in the usual course of
b, With respect to the insurance afforded to
business, in connection with the
these additional insureds, the following
distribution or sale of the products;
additional exclusions apply:
(t7 Demonstration, Installation,
This insurance does not apply to:
servicing or repair operations,
(1) "Bodily injury", "property damage" or
except such operations performed
"parsonal and advertising injury"
at the vendor's promises in
arising out of operations performed for
connection with the sale of the
the state or municipality; or
product;
(2) "Bodily injury" or "property damage"
(0) Products which, after distribution
Included in the "product- completed
or sale by you, have been labeled
operations" hazard-
or relabeled or used as a
7, Additional insured — Vendors
container, part or ingredient of any
other thing or substance by or for
a. WHO IS AN INSURED under Section G. is
the vendor; or
amended to include as an additional
(h) "Bodily injury" or "property
insured the person(s) or organization(s)
damage" arising out of the sole
(referred to below as vendor) shown in the
negligence of the vendor for its
Declarations as an Additional Insured -
own acts or omissions or those of
Vendor, but only with respect to "bodily
its employees or anyone else
Injury" or "property damage" arising out of
"
acting on its behalf, However, this
your products" which are distributed or
exclusion does not apply to:
sold In the regular course of the vendor's
business and only if this Coverage Part
(1) The exceptions contained in
provides coverage for "bodily Injury" or
Subparagraphs (d) or (f); or
"property damage" Included within the
(if) Such inspections,
"products•oompieted operations hazard ",
adjustments, tests or servicing
b. The Insurance afforded to the vendor Is
as the vendor has agreed to
subject to the following additional exclusions:
make or normally undertakes
(f) This insurance does not apply to:
to make in the usual course of
business, in connection with
(a) "Bodily injury" or "property
the distribution or sale of the
damage" for which the vendor is
products,
obligated to pay damages by
(2) This insurance does not apply to any
reason of the assumption of
liability in a contract or agreement,
insured person or organization from
This exclusion does not apply to
whom you have acquired such
products, or any Ingredient, part or
liability for damages that the
container, entering into,
vendor would have in the absence
accompanying or containing such
of the contract or agreement;
products.
(b) Any express warranty
0, Additional Insured — Controlling Interest
unauthorized by you;
WHO IS AN INSURED under Section C. is
(c) Any physical or chemical change
amended to Include as an additional insured
In the product made Intentionally
the person(s) or organization(s) shown In the
by the vendor;
Declarations as an Additional Insured —
(d) Repackaging, unless unpacked
Controlling Interest, but only with respect to
solely for the purpose of inspection,
their liability arising out of:
demonstration, testing, or the
a. Their financial control of you; or
substitution of parts under
instructions from the manufarturer,
O. Premises they own, maintain or control
and then repackaged in the original
white you lease or occupy these premises.
container;
Forma SS 00 08 04 05 Pago 19 of 24
BUSINESS LIABILITY COVERAGE FORM
This Insurance does not apply to structural
alterations, new construction and demolition
operations performed by or for that person or
organization.
9. Additional Insured - Owners, Lessees Or
Contractors - Scheduled Person Or
Organization
a, WHO IS AN INSURED under Section C, is
amended to Include as an additional
Insured the person(s) or organization(s)
shown in the Declarations as an Additional
Insured Owner, Lessees Or Contractors,
but only with respect to liability for "bodily
Injury" "property damage" or "personal
and advertising injury" caused, In whole or
In part, by your acts or emissions or the
acts or omissions of those acting on your
behalf:
(1) In the performance of your ongoing
operations for the additional
insured(s); or
(2) In connection with "your work'
performed for that additional Insured
and included within the "products -
completed operations hazard ", but
only if this Coverage Part provides
coverage for "bodily Injury" or
"property damage" included within the
"products- completed operations
hazard ".
b. With respect to the Insurance afforded to
these additional insureds, this Insurance
does not apply to "bodily injury" "property
damage" or "personal an advertising
injury" arising out of the rendering of, or
the failure to render, any professoriat
architectural, engineering or surveying
services, including:
(1) The preparing, approving, or failure to
prepare or approve, maps, shop
drawings, opinions, reports, surveys,
field orders, change orders, designs or
drawings and specifications; or
(2) Supervisory, inspection, architectural
or engineering activities.
'10. Additional Insured - Co -Owner Of Insured
Premises
WHO IS AN INSURED under Section C, is
amended to Include as an additional Insured
the person(s) or Organization(s) shown In the
Declarations as an Additional Insured - Co.
Owner Of Insured Prerntses, but only with
respect to their liability as co-owner of the
premises shown In the Deolarations.
Page 20 of 24
The limits of insurance that apply to additional
insureds are described In Section D, - Limits Of
Insurance.
How this insurance applies when other insurance
is available to an additional Insured is described in
the Other Insurance Condition in Section E, -
Liabllity And Medical Expenses General
Conditions.
G. LIABILITY AND MEDICAL EXPENSES
DEFINITIONS
1. "Advertisement" means the widespread public
dissemination of information or images that
has the purpose of Inducing the sale of goods,
products or services through:
a. (1) Radio;
(2) Television;
(3) Billboard;
(4) Magazine;
(s) Newspaper;
b. The Internet, but only that part of a web
Site that is about goods, products or
services for the purposes of inducing the
sale of goods, products or services; or
o, Any other publication that is given
widespread public distribution.
However, "advertisement" does not include:
a, The design, printed material, Information
or Images contained in, on or upon the
packaging or labeling of any goods or
products; or
b, An Interactive conversation between or
among persons through a computer network.
4 "Advertising Ides" means any idea for an
"advertisement ",
3. "Asbestos hazard" means an exposure or
threat of exposure to the actual or alleged
Properties of asbestos and includes the mere
presence of asbestos in any form.
4. "Auto" means a land motor vehicle, trailer or
semi - trailer designed for travel on public
roads, Including any attached machinery or
equipment, But "auto" does not include
"mobile equipment".
S. "Bodily Injury" means physical;
a, Injury;
b. Sickness; or
c. Disease
sustained by a person end, if arlSing out of the
above, mental anguish or death at anytime.
6. "Coverage territory" means:
Form S5 00 08 04 05
BUSINESS LIABILITY COVERAGE FORM
a, The United States of America (including Its
b,
You have failed to fulfill the terms of a
territories and possessions), Puerto Rico
contract or agreement;
and Canada;
If such property can be restored to use by:
b, international waters or airspace, but only if
a.
The repair, replacement, adjustment or
the Injury or damage occurs in the course
removal of "your product" or "your work ";
of travel or transportation between any
or
places Included In a, above;
a All other parts of the world if the injury or
b.
Your fulfilling the terms of the contract or
damage arises out of:
agreement.
(1) Goods or products made or sold by you
12, "Insured
contract" means:
In the territory described in a. above;
I.
A contract for a lease of premises.
(2) The activities of a person whose home
However, that portion of the contract for a
Is In the territory described in a,
lease of premises that indemnifies any
above, but is away for a short time on
person or organization for damage by fire,
your business; or
lightning or explosion to premises while
rented to you or temporarily occupied by
(3) "Personal and advertising Injury"
you with permission of the owner is
offenses that take place through the
subject to the Damage To Premises
Internet or similar electronic means of
Rented To You limit described in Section
communication
D. — Liability and Medical Expenses Limits
provided the Insured's responsibility to pay
of Insurance,
damages is determined In the United States of
b.
A sidetrack agreement;
America (including Its territories and
possessions), Puerto Rico or Canada, in a
c,
Any easement or license agreement,
"suit" on the merits according to the
including an easement or license
substantive law In such territory, or in a
agreement In connection with Construction
settlement we agree to.
or demolition operations on or within 60
feet of a railroad;
7, "Electronic data" means information, facts or
d,
Any obligation, as required by ordinance,
programs:
to Indemnify a municipality, except in
a. Stored as or on;
connection with work for a municipality;
b. Created or used on; or
e.
An elevator maintenance agreement; or
c, Transmitted to or from
f,
That part of any other contract or
computer software, including systems and
agreement pertaining to your dr.isiness
applications software, hard or floppy disks,
(including an indemnification of a
CD -rms, tapes, drives, cells, data
municipality in connection with work
processing devices or any other media which
performed for a municipality) under which
are used with electronically controlled
you assume the tort liability of another
equipment,
party to pay for "bodily Injury" or "property
S. "Employee" includes a "leased worker ".
damage" to a third person or organization,
"Employee" does not include a "temporary
provided the "bodily injury" or "property
worker ",
damage" is caused, in whole or in part, by
9. "Executive officer" means a person holding
you or by those acting on your behalf.
Tort liability means a liability that would be
any of the officer positions created by your
11Trposed by law In the absence of any
charter, constitution, by -lows or any other
contract or agreement.
similar governing document,
10. "Hostile fire" moans one which becomes
paragraph f, includes that part of any
contract or agreement that indemnifies a
uncontrollable or breaks out from where it was
railroad for "bodily injury" or "property
intended to be.
damage" arising out or construction or
11. "IrTipairad property" means tangible property,
demolition operations within 60 feet of any
other than "your product" or "your worts ", that
railroad property and affecting any railroad
cannot be used or Is less useful because:
bridge or trestle, tracks, road -beds, tunnel,
a. it Incorporates "your product" or "your work"
underpass or crossing,
thai Is known or thought to be defective,
However, Paragraph I. does riot Include
deficient, inadequate or dangerous; or
that pail of any contract or agreement
Form SS 00 08 04 05 Page 21 of 24
BUSINESS LIABILITY COVERAGE FORM
(1) That indemnifles an architect,
engineer or surveyor for injury or
damage arising out of:
(a) Preparing, approving or falling to
prepare or approve maps, shop
drawings, opinions, reports,
surveys, field orders, change
orders, designs or drawings and
specifications, or
(b) Giving directions or Instructions,
or failing to give them, if that Is the
primary cause of the injury or
damago; or
(2) Under which the Insured, if an
architect, engineer or surveyor,
assumes liability for an Injury or
damage arising out of the Insured's
rendering or failure to render
professional services, including those
listed in (1) above and supervisory,
inspection, architectural or
engineering activities,
13. "Leased worker" means a person [eased to
YOU by a labor leasing firm under an
Agreement between you and the labor leasing
firm, to perform duties related to the conduct of
your business. "Leased worker" does not
include a "temporary worker ".
14, "Loading or unloading" means the handling of
property:
a. After it is moved from the place where it is
accepted for movement Into or onto an
aircraft, watercraft or "auto ";
b. While it is in or on on aircraft, watercraft or
"auto "; or
c. While it is being moved from an aircraft,
watercraft or "auto" to the place Where it is
finally delivered;
Out "leading or unloading" does not Include the
movement of property by means of a mechanical
device, other than a hand truck, that is not
attached to the aircraft, watercraft or "auto ",
15, "Mobile equipment" meusns any of the following
types of land vehicles, including any attached
machinery or equipment:
a. BLI11do7ers, farm machinery, forklifts and
other vehicles designed for use principally
off public roads;
b. Vehicles maintained for use solely on or
next to promises you own or rent;
o. Vehicles that travel on crawler treads;
d. Vehicles, whether self- propelled or not, on
which are permanently mounted:
(1) Power cranes, shovels, loaders,
diggers or drills; or
(2) Load construction or resurfacing
equipment such as graders, scrapers
or rollers;
e, Vehicles not described in a„ b., c„ or d,
above that ere not self - propelled and are
maintained primarily to provide mobility to
permanently attached equipment of the
following types:
(1) Air compressors, pumps and
generators, Including spraying,
welding, building cleaning,
geophysical exploration, lighting and
well servicing equipment; or
(2) Cherry pickers and similar devices
used to raise or lower workers;
f. Vehicles not described in a., b., c„ or d.
above maintained primarily for purposes
other than the transportation of persons or
cargo.
However, self - propelled vehicles with the
following types of permanently attached
equipment are not "mobile equipment' but
will be considered "autos ":
(1) Equipment, of at least 1,000 pounds
grass vehicle weight, designed
primarily for:
(a) Snow removal;
(b) Road maintenance, but not
construction orresurfaeing; or
(c) Street cleaning:
(2) Cherry plakera and similar devices
mounted on automobile or truck
chassis and used to raise or lower
workers; and
(3) Air compressors, pumps and
generators, including spraying,
welding, building oleaning,
geophysical exploration, lighting and
well servicing equipment.
16. "Occurrence" means an accident, Including
continuous or repeated exposure to substantially
the same general harmful conditions,
17. "Personal and adverlising Injury" means injury,
Including consequential "bodily injury", arising
out of one or more of the following offensas:
a. False arrest, detention or imprisonment;
b. Malicious prosecution;
Page 22 of 24 Forre SS 00 03 04 05
BUSINESS LIABILITY COVERAGE, FORM
o, The wrongful eviction fil wrongful entry
Work that may need service, maintenance,
Into, or invasion of the right of private
correction, repair or replacement, but
occupancy of a room, dwelling or
which is otherwise complete, will be
premises that the person occupies,
treated as completed.
committed by or on behalf of Its owner,
landlord or lessor;
The "bodily Injury" or "property damage"
must occur away from premises you own
d. Oral, written or electronic publication of
or rent, unless your business Includes the
material that slanders or libels a person or
selling, handling or distribution of "your
organization or disparages a person's or
product" for consumption on premises you
organization's goods, products or services;
own or rent.
a, Oral, written or electronic publication of
b. Does not include "bodily injury" or
material that violates a person's right of
"property damage" arising out of;
privacy;
(1) The transportation of property, unless
f, Copying, in your "advertisement", a
the injury or damage arises out of a
person's or organization's "advertising
condition in or on a vehicle riot owned
idea" or style of "advertisement';
or operated by you, and that condition
g. Infringement of copyright, slogan, or title of
was created by the "loading or
any literary or artistic work, In your
unloading" of that vehicle by any
"advertisement "; or
Insured; or
h. Discrimination or humiliation that results in
(2) The existence of tools, uninstalied
injury to the feelings or reputation of a
equipment or abandoned or unused
natural person.
materials,
1S, "Pollutants" means any solid, liquid, gaseous or
20. "Property damage" means:
then nal irritant or contaminant, including smoke,
a, Physlool injury to tangible property,
vapor, soot, fumes, acids, alkalis, chemicals and
including all resulting loss of use of that
waste, Waste Includes materials to be recycled,
property. All such loss of use shall be
reconditioned or reclaimed.
deemed to occur at the time of the
19. "Products- completed operations hazard ";
physical injury that caused it; or
a, Includes all "bodily injury" and "property
b. Loss of use of tangible property that is not
damage" occurring away from premises
physically Injured. All such loss of use
you own or rent and arising out of "your
shall be deemed to occur at the time of
product" or "your work" except:
"occurrence" that caused it,
(1) Products that are still in your physical
As used in this definition, "electronic data" is
possevssion; or
not tangible property.
(2) Work that has not yet been completed
21. "Suit" means a civil proceeding In which
or abandoned. However, "your work'
damages because of "bodily injury", "property
will be deemed to be completed at the
damage" or "personal and advertising injury"
earliest of the following times:
to which this insurance applies are alleged.
('a) When all of the work called for In
"Suit" Includes:
your contract has been completed.
A. An arbitration proceeding in which such
(b) When all of the work to be done at
damages are claimed and to which the
the job site has been completed if
Insured must submit or does submit with
Your contract calls for work at
our consent; or
more than one job site,
b. Any other alternative dispute resolution
(c) When that part of the work done at
proceeding in which such damages are
a job site has been put to Its
claimed and to which the insured submits
intended use by any person or
with our consent.
organization other than another
21 "Temporary worker" means a person who is
contractor or subcontractor
furnished to you to substitute for a permanent
working on the same project
"employees" on leave or to moot seasonal or
short -term workload conditions
23, "Volunteer worker" means a person who:
a. Is not your "employe@'
Form SS 00 03 04 06 Page 23 of 24
BUSINESS LIABILITY COVERAGE FORM
b. Donates his or her work;
c. Acts at the direction of and within the
scope of duties determined by you; and
d. Is not paid a fee, salary or other
compensation by you or anyone else for
their work performed for you.
24. "Your product';
a. Means;
(1) Any goods or products, other than real
property, manufactured, sold, handled,
distributed or disposed of by:
(a) You;
(b) Others trading under your name;
or
(c) A person or organization whose
business or assets you have
acquired; end
(2) Containers (other than vehicles),
materials, parts or equipment
rumished in connection with such
goods or products.
b. Includes:
(1) Warranties or representations made at
any time with respect to the fitness,
quality, durability, performance or use
of "your product "; and
Page 24 of 24
(2) The providing of or failure to provide
warnings or Instructions.
0. Does not Include vending machines or
other property rented to or located for the
U$0 of others but not sold.
25. "Your work ":
a, Means:
(1) Work or operations performed by you
or on your behalf; and
(2) Materials, parts or equipment
furnished in connection with such work
or operations.
b, Includes:
(1) Warranties or representations made at
any time with respect to the fitness,
quality, durability, performance or use
of "your work "; and
(2) The providing of or failure to provide
warnings or instructions,
Farm SS 00 08 0405
THOS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY,
WiliN BROAD ENDORSEMENT
EXTENDED OPTIONS
POIiaYNUmber: 72 WEC LR3783 Endorsement Number:
Effaetive Date; 09/28/14 Effective hour Is the same as stated an the Information Page of the policy.
Named Insured and Address: WESTSOCJND CO I IMUNTCATIONS, INC.
625 THE CITY DRS SUITE 360
ORANGE, CA 92868
Section I of this endorsement expands coverage provided under WG 00 00 00,
Section II of this endorsement Provides additional coverage usually only provided by endorsement.
Section ill of this endorsement is a Schedule of Covered States.
You may use the Index to locate those coverage features qufcldy:
AM=
SECTION 1
PARTS ONE and TWO
01 We WIII Also Pay
PART -THREE
02 How This Insurance Works
PART - SIX
03 Transfer of Your Rights and Duties
04 Liberalization
SECTION II
VOLUNTARY COMPENSATION INSURANCE
05 Voluntary Compensation Insurance
A. How This Insurance Applies
B We Will pay
C. Exclueorw
D. Before We Pay
E_ Recovery From Others
r. Employers' Liability Insurance
EMPLOYERS' LIABILITY STOP GAP
ENDORSEMENT
06 Employers' Liability Stop Gap
Coverage
A. SLOP GOP COM090 Limited to
Montana, North Dakota, Ohio,
Washinytcn, West Virginia and
Wyoming
Form WC 99 03 03 B Printed in U.S.A. (Ed. 8100)
Process Date: 08/09/19
2
2
2
2
2
2
2
2
2
2
2
2
3
3
3
3
9
3
SUBJE9T
B. Part One Does Not Apply
C. Application of Coverage
D. Additional Exclusions
E. West Virginia
EXTENDED OPTIONS
01 Employers' Liability Insurance
02 Unintentional Failure to Disclose
Hazards
03 Waiver of Our Right to Recover from
Others
04 Foreign Voluntary Compensation
A. Flow This Reirnqursement Applies
B. We Will Reimburse
C. Exclusions
D. Before We Pay
E. Recovery From Others
F. Reimbursement For Actual Loss
Sustained
G. Repatriation
H. Endemic Disease
05 Longshore and Harbor Workers'
Compensation Act Coverage
Endorsement
SECTION ill
01 Schedule of Covered States
X12000, The Hartford
No
Pagel of 6
Policy Expiration Date; 09/28/7.6
4
4
4
4
5
5
5
PARTS ONE and TWO
PART THREE
I. WE WILL ALSO PAY 2.
Haw This Insurance Applies
D. We Will Also Pay of Part One (WORKERS'
Paragraph 4, of A. How This Insurance Applies
COMPENSATION INSURANCE); and
of part 3 (Other States Insurance) is replaced by
C. We Will Also Pay of Part Two (EMPLOYERS'
the following:
LIABILITY INSURANCE) is replaced by the
4. If you have work on the effective date of this
following:
policy In any state not listed in (team 8.A of the
We Will Also Pay
Information Page, coverage will not be
We will also pay these casts, In addition to
afforded for that state unless we are notified
other amounts payable under this Insurance,
within sixty days,
as part Of any claim, proceeding, or suit we
defend:
PART SIX
1, reasonable expenses Incurred at our 3.
Transfer Of Your Rights and Duties
request, INCLUDING loss of earnings;
C. Transfer Of Your Rights and Duties of Part 6
2. premiums for bonds to release
(Conditions) is replaced by the following;
attachments and for appeal bonds in bond
Your rights or duties under this policy may riot
amounts up to the limit of our liability
be transferred without our written consent,
under this Insursnca;
If you dim and we receive notice within sixty
3, litigation costs taxed against you;
days after your death, we will cover your legal
4. interest an a judgment as required by law
representative as insured.
until we offer the amount due under this 4,
Liberalization
law; and
If we adopt a change in this form that would
5, expenses we Incur.
broaden the coverage of this form without extra
charge, the broader coverage wif apply to this
POW . It will apply when the change becomes
effective in your state.
13ECTION 11
VOLUNTARY COMPENSATION AND EMPLOYERS'
3, The bodily injury must occur In the United
LIABILITY COVERAGE
States of America, its territories or
6, VOluntary Compensation insurance
possessions, or Canada, and may occur
A. How This Insurance Applies
elsewhere if the employee is a United
This Insurance applies to bodily injury by
States or Canadian citizen, or otherwise
legal resident, and legally employed, in the
accident or bodily injury by disease. Bodily
United States or Canada and temporarily
injury includes resulting deeth,
'way from those places.
1, The bodily injury must be sustained by any
A Bodily injury by accident must occur
officer of employee not subject to the
during the policy period.
workers' compensation law of any state
shown, in Item 3.A, of the Information
5. Bodily injury by disease must be oaused
Page,
ar aggravated by the conditions of the
2. The bodily injury rrmst arise out e( and in
the course of employment or Incidental to
work in a state shown in acre 3.A. of the
Information Page,
Porte VVC 99 93 03 R Printed In U.5.A. (Ed. 0100) Page 2 of 8
officer's or employee's employment. The
officer's or employee's last day of last
exposure to the conditions causing or
aggravating such bodily injury by disease
must occur during the policy period,
B. We Will Pay
We will pay an amount equal to the benefits
that would be required of YOU as if you and
your employees were subject to the workers'
compensation few of any state shown in item
3A. of the Information Page, We will pay
those amounts to the persons who would he
entitled to them under the law.
C. Exclusion
This Insurance does not cover;
1. any obligation imposed by workers'
compensation or occupational disease law
or any similar law.
2. bodily Injury intentionally caused or
aggravated by you.
3. officers or employees who have elected
not to be subject to the state workers'
compensation law.
4. partners or sole proprietors not covered
under fire Standard Sole proprietors,
Partners, Officers and Others Coverage
Endorsement,
D, Before We Pay
Before we pay benefits to the persons entitled
to them, they must:
t. Release you and us, In writing, of all
responsibility for the injury or death.
2. Transfer to us their right to recover from
others who may be responsible; for the
injury or death,
3. Cooperate with us and do everything
necessary to enable us to enforce the right
to recover from others.
If the persons entitled to the benefits of this
Insurance fail to do those things, our duty to
Pay ends at once, if they claim damages from
you or from us for the injury or death, our duty
to pay ends at once,
E, Recovery From Othors
If we make a recovery from others, we will
keep an amount equal to our expenses of
recovery and the benefits we paid. INe will
pay the balance to the persons entitled to it.
Form WC 89 03 03 B Printed in U.S A, (Ed. 8 /00)
If the persons entitled to the berfarifs of this
insurance make a recovery from others, they
must reimburse us for the benefits we paid
them.
F. Employers' Liability Insurance
Part Two (Employer$, I,Iablllty Insurance)
applies to bodily injury covered by this
endorsement as though the State of
Empidymant was shown In Item 3.A, of the
Information Page,
This provision 5. does not apply In New Jersey or
Wisconsin.
EMPLOYF,RS' LIABILITY STOP GAP COVERAGE
B, Employers' Liability stop Gap Coverage
A. This coverage only applies in Montana, North
Dakota, Ohio, Washington, West Virginia and
Wyoming.
B. Part One (Workers' Compensation Insurance)
does not apply to work in states shown in
Paragraph A above,
C. Part Two (Employers' Liability Insurance)
applies In the states, shown in Paragraph A,
as though they were shown in Item 3.A. of the
information Page.
D. Part Two, Section C. Exclusion$ Is changed
by adding those exclusions.
This insurance does not cover;
G. bodily injury intentionally caused or
aggravated by you or In Ohio bodily injury
resulting from an act which Is determined
by an Ohio court of law to have been
committed by you with the belief than an
injury is substantially Certain to occur,
Howover, the cost of defending such
claims or suits in Ohio is covered,
13. bodily Injury sustained by any member of
the flying crew of any aircraft,
14. Orly claim for bodily injury with respect to
which you are deprived of any defense or
defenses or are otherwise subject to
penalty because of default in premium
under the provisions of the workers'
compensation law or laws of a state
shown in Paragraph A.
E. This insurance applies to damagse for which
You are liable under West Virginia Code Annot.
823-42
Page 3 of 6
2.
0.
1, Employers' Liability Insurance
Item 3.6, of the Information page is replaced by
the following:
E, Employers' Liability Insurance:
1. part Two of the policy applies to work In
each state listed in Item 3.A,
The Limits of Liability under Part Two are
file higher of:
Bodily Injury
by Accident $500,000 Each Accident
Bodily Injury
by Disease $500,000 policy Limit
Bodily Injury
by Disease $600,000 Each Employoa
OR
2. The amount shown in the Information
Pape,
This provision 1 of EXTENDED OPTIONS does not
apply In Mew York because the Limits Of Our
Liability are unlimited.
In this provision the limits are changed from
$500,000 to $1,000,000 in California,
Unintentional Failure to Disclose Hazards
If you unintentionally should fail to disclose all
existing hazards at the inception date of your
policy, we shall not deny coverage under this
policy because of such failure.
Waiver o4 Our Right To Recover From others
A. We have the right to recover our payments
from anyone liable for an Injury covered by flits
policy We will not enforce our right against
any person or organization for whom you
perform work under a written contract that
requires you to obtain this agreement from us.
This agreement shall not operate directly or
indirectly to benefit anyone not named In the
agreement.
B. ')'his provision 3. does not apply in the states
of Pennsylvania and Utah.
•
4. Foreign Voluntary Compensation and
Employers' Liability Reimbursement
A. Now This Reimbursement Applies
This reimbursement provision applies to bodily
Injury by accident or' bodily injury by disease.
Bodily injury Includes resulting depth.
1. The bodily injury must be sustained by an
officer or employee.
2. The bodily injury most occur in the course
Of employment necessary or incidental to
work in a country not listed in Exclusion
C. t. of this provision.
1 Bodily injury by accident must occur
during the policy period.
4. Bodily injury by disease must be caused
or aggravated by the conditions of your
employment. The officer or employee's
last exposure to those conditions of your
employment roust occur during the policy
period.
B, We Will Reimburse
We will reimburse YOU for all amounts paid by
You whether such amounts are:
1. voluntary payments for the benefits that
would be required of you if you and your
officers or employees were subject to any
workers' rompenaotion law Of the state of
hire of the individual employee.
2. sums to which Part Two (Employers'
Liability Insurance) would apply If the
Country of Employment wore shown in
Item 3.A, of the Information Page,
C, Exclusions
This insurance does not cover.
1. any occurrences in the United States,
Coneda, and any country or jurisdiction
which Is tine subject of trade or economic
sanctions Imposed by the laws or
regulatlons of the United States of
America in effect as of the inception date
of this policy.
2. any Obligation imposed by a workers'
compensation or occupational disease
law, or similar law,
3. bodily Injury intentionally caused or
aggravated by you.
Form WC 99 03 03 8 printed In U,S.A. (Ed. 8 /00) Page 4 of 6
4. liability for any consequence, whether
direct or indirect, of War, invasion, act of
Foreign enarny, hostilities (whether war be
declared or not), civil war, rebellion,
revolution, insurrection or military or
usurped power. No endorsement now or
subsequently attached to this policy shall
be construed as overriding or waiving this
limitation unless specific reference is
made thereto.
D. Before We Ray
Before we reimburse you for the benefits to the
Persons entitled to them, you must have them:
I. release you and us, in writing, of all
responsibility for the injury or death,
2. transfer to us their right to recover from
others who may be responsible for their
Injury or death,
3, cooperate with us and do everything
necessary to enable us to enforce the right
to recover from others.
If the persons entitled to the benefits paid fail
to do these things, our duty to reimburse ends
at once. If they claim damages from us for the
Injury or death, our duty to reimburse ends at
once.
E. Recovery From Others
If we make a recovery from others, we will
keep an amount equal to our expenses of
recovery and the benefits we reimbursed We
Will pay the balance to the persons entitled to
It. If persons entitled to the benefits make a
recovery from others, they must repay us for
the amounts that we have reimbursed you.
F. Reimbursement for Actual Loss Sustained
This endorsement provides only for
reimbursement for the loss you aotually
sustain. In order for you to recover loss or
expenses under this reimbursement you must:
1. actually sustain and pay this toss or
expense in money after trial, or
2. secure our consent for the payment of the
loss or expense.
0. Repatrlation
Our reimbursement includes the additional
expenses of repatriation to the United States
Form WC 99 03 03 B printed in U.S A. (Ed. 8100)
of America necessarily incurred as a direc .
result of bodily injury,
Our reimbursement shall be limited as follows:
I. to the amount by which such expenses
exceed the normal cost of returning the
Officer or employee if in good health, or
2. In the event of death, to the amount by
which such expenses exceed the normal
cost of returning the of1mr or employee if
alive and in good health.
In no event shall our reimbursement exceed
the bodily injury by accident limit shown in
Item 3,R, of the Information Rage as respects
any one such officer or employee whether
dead or alive.
H. Endemic Disease
'rhe word "disease' includes any endemic
diseases.
The coverage applies as If endemic diseases
were included in the provisions of the workers'
compensation law.
S. Longshore and Harbor Workers' Compensation
Act Coverage
General Section C, Workers' Compensation
Law Is replaced by the following:
C, Workers' Compansatfon Law
Workers' Compenuation Law means the
workers or workers' compensation law and
occupational disease law of each state or
territory named in Item 3A, of the Information
Page and the Longshore and Harbor Workers'
Compensation Act (33 LSC Sections 901-
050). It includes any amendments to those
laws that ere In effect during the policy period.
It does not include any other federal workers
or workers' compensation law, other federal
occupational disease law of the provisions of
any law that provide nanoacupatfonal disability
benefits.
Part Two (Employers' Liability Insurance), c.
Exclusions, exclusion 6, does not apply to
work subject to the Longshore and Harbor
Workers' Compensation Ant.
This coverage does not apply to work subject
to the Defense Rase Act, the Outer
Continental Shelf Lands Act, or the
Nonapproprlatod Fund Instrumentalities Act.
page 6 of 6
0
I. SCHEDULE OF COVERED STATES
A. This endorsement only applies In the states
listed in this Schedule of Covered States.
C. Schedule of Covered States:
CA
8, If a state, shown in Item 3.A. of the Information
Page, approval this endorsement after the
effective date of this policy, this endorsement
will apply to this policy, The coverage will
apply in the new stato on the effective date of
the state approval.
Countersigned by
Authorized Representative
FOFM WC 00 03 03 B Printed In t1. S.A, (Ed 0 /00) Page 6 of 6
COMMU-5 OP 0: RB
0DA �E f "AM, DWYYYY�
ERIFICA T E OF LIABILITY U
INSRANCE 410612016
C T
THIS CERTIFICATE IS ISSUED AS A MA'FTER OF INFORNIAIION ONLY AND CONFERS NO RIGHTS UPON THE CERTIRCATE HOLDER. 71-11S
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED V THE PoLicRES
SELOW. THIS CERTBF;CATE OF: INS1JRANCE DOES NOT CONSTITUTE A CONTRACT BEIWEEN THF-a ISSUIN(3 INSURER�SJ, AuTHORIZED
REPRESENTATIVE OR PRODUCER, AND THE CER7IFICA'TC--. HOUDER.
M RORIANT; If the -erffcjte haIder is an ADDiIDONAL INSURED, the. po cy(ws) must be endcgsad. If SUBROGATION 6 WABVED, subject to
the terms and conditions of the policy, cerfiam 1p¢ -Aicies may require an ordorsfrrncnt- A statement on lh s certificate does not confor rights to the
cedificate, F"Ader in heu of such endorsNTIent(si.
PRODUCER Hub Hiternatsonal Insurance
M,
Sawyer Cook Insurance "F" 'A' X
1200 Cahfornia St., Ste 260 Eoy jpg ,435-0237
Redlands, CA 92374 r 5, l,rmlcg�riii�s_e�,�lwyev�,-,00k.com
Sawyer Cook Insurance
hSUIIRFIR A S,wlfilnel Insurancle 210
00
fNSURE D WestbOLmd C.rimrnun�cabons, hic 04SURER 5 Hartford Insurance Comp�Njy 122357
Scott Sraith INSURER c Axis Speciatty Insurance Co.
625 The CIty Cr., Ste 4,30
Orange, CA 92888 11, -�I,�IRIR D
urdi >torad:rt t:
COVERAGES
DER NFICATE NUMBER
REVISdON NUMBER
HIS IS TO CEWkFY I•AT IN&r FOR rHE, PICLICY
,1[7 (37jR3.1RTkKTF: l"I-D BELOVJ HAVE BEEN 13S�KZ TO rIU7 RED NAMED ABOVII
PERIOD
INDCA"IED NOTWII'4G ANY REQUIREMENT, TERM OR CON0170,14 OF ANY CON17RAC'l OR, OIHER DOCUNIEN" onr H RESPECT TO WMCH
1WS
CLRF,FK,A1F MAY IIE ISSUED OR MAY PERTAIN, THE INSURANCE AFORDED BY
rHE POLvEs Dl SCRIBEr) HERDN IE SeqWECT TO ALL IHE
TFEmAS,
EXCI: U&ONS AND CONDr+CNSOF SUCH POLICiES LIMIrs SHO VN MAY HAVE G,�.E.N
REDiCED BY PAID CfAIW".
NSk T
LTR TYPE OF INSURANCE
TIA r5t U 94� . ....... 7
PCILXY EIP7 Roucy F.XP,
.... . . . ..... .... .. .
X
E�,C�i CGGuHREmE
C AIMS WADE
x x 72SBAAE3737
05106=16 1 05106120 f 7 OWNfT Yo A`N,,,�n
300,00
A X Bus Interuption
72SBAAE3737
0510612016 0510612017 W I I F KP Nk�y In e ro�,,Ur�
10,00
A Prop Spoc forrn
!72SBAAE3717
05i Q6=16 05/06/2017: FERS1',NAL P� AOIVINI,�ZJRY
2,000,00
GEN�
��-NERAL AGGREGATE
4,000,00
X PRn
POUCY &C r LOC
4,000,00
--.1 .1-,--.......-.-, -..... -- .. .. . . . .... .... . ... ...... --.- ---
AUTOMONLE hJABILFTf
A 72SBAAE3737 JM06120161 MM2017 FlOnK"Y'�rx,�lR�ff'a*rar:c[DarYr NJU'� AIA D �icoy �i S
PROPER Y D,WI,GE
I AUTOS
1 X 1140- 0 A005 NJ OWNE 0,
X . .....
... . ...... . . . .......
1111AARrL L.A a IAR n
OCCUR ��AiorCu "E 3 2,000,00
,,3 'x
:7 2,3 B A A E 3 7 3 7 05106/2016' 0510612017 AGGREGA,i, S
I ID ID V HE �TNIK)N
. .... . PNT --75�=-
VMRKERS COMPENSATION x TF I Li�
AND EM Pt OYERSAJABIHTY
4AY PRO
PR9ErOFUEARTNEW° 1 T 72WECl.R3783 09128/2016 09)28,'2016 E L EACH ACCIDEN r I$
OIF� EXCLJUH E MSEASE EA WPLOV��V; 1,0100,00
—J� N A
�O(r y Rr C RdePsT c r,)bN u0,� q
, I
PCRA rXl . 9.....1... 2 ....5..
01 ,12,216 C.1 eWEAaStE e POL ICY S 1,000,00 Mand,Vary m Nrnde
rofessional Liab CNG00234,351501 005 095 Aggg
DED
... ........... .
DESCRIPr�ON OF OPERAT8ONS (LOCATICINa (VFH CLESI (AC ORD Wl, Addid.—a Remark4 ho M ach.d If mom .5—,
The City of Santa Ana, offIcers, ern �oyevs, agents, volunteers and
representatives are ilarned AddftionaIi P112red per form 61-112001186 which
includes 30 day notice of cancellation, Prir nary wording and Waiver of
Subrogation apply perform SS00080405 attached to the policy
City of Santa Aria
20 Civic Center Plaza
Santa Ana, CA 92701
AGORD 25 j2014101)
SHOULO AN( OF THE ABOVE DESCROED POLICIES BE CANCELLED BEFORE
rHb. EXPIRAf rON DALE THEREOF, NOTHE rTW BE DELIVERED IN
ACCORDANCE WH14THE POLICY PRWSIONS.
AUTHORIZED RF..-B` E:SF,1JTATJVF
Sawyer Cook insurance
1988,20,14 ACORD CORPORATION. Ad riclfits reserved.
The ACN D inarie and I0qD are registered rnar ks of ACORD
POLICY NUMBER: 72 SBA AR3737
30 DAY NOTICE OF CANCELLETION
x
PLEASE READ IT CAREFULLY.
IN CONSIDERATION OF NO CHANGE IN PREMIUM, IT IS HEREBY "REED AND
UNDERSTOOD THAT FORM SS1224 IS ADDED PER THE ATTACHED.
Form lH 12 00 11 85 'IL SEQ, NO, 007 Printed in U.S.A. Page 001
BUSINESS LIABILITY COVERAGE FORM
Form SS 00 08 04 05
EN T U IZ "E' Y.),"
. .. ...... .. . .
QUICK REFERENCE
BUSINESS LIABILITY COVERAGE FORM
READ YOUR POLICY CAREF I.
6, LISINESS LIABILITY COVERAGE FORM
Bcginrtinrj oin Page
A.
COVERAGES
Busmess Uabd�ty
Nleclica� Ex���enses
2
Covemje Extension Plwyrvieflis
2
B.
EXCLUS�ONS
3
Cm
WHO IS AN INSURED
10
D,
LIABILi rYAND MEDICAL EXPENSES
LIMITS OF INSURANCE
14
E.
LIABILI'ry AND MEDICAL EXPENSES GENERAL CONDrri3ONS
15
t Bankruutcy
'15
2, Dufiei Bn The Event Df Ocuum:,nce, Clafni or SLJt
is
I F lancw Rres;porsiri It Law�i
1'
4
16
5, separation CA hns'w-ed's
16
6 Rerres;"llntalmns
115
7, Q)V°,er �Insuranlce
16
8, ] rwrife Of R6,q os Of F;ecove(y Agamsi 0thersTc> Us'
17
F,
OP"DONAL ADDITIONAL, INSURED COVERAGES
Additoic,na! osuaecls
� 8
(3,
LIAWLITYARID MEDICAL., EXPENSES DEFIPJIT�ONS
20
Forni SS 00 Oli�Na-ri..R,
ooe
B'Y:
n
BUSINESS LIABILITY COVERAGE FORM
Va6r,ws p oiJsic,;ns in On poky resnicl caywraye.Read We w4ke pdky camfui; ID dekrnne rq%, GAms and what
* and m nor onumd
Throughout thl poky the word "yod and low" reff,-,r ti - the, Named Insured shown, in the DeciarMons vvcrds
. we W? and An0 efe"o Te shck Asxwme amVany meaber oURe fWard prnwdmg Mh Wswame
p'hevtord 1n1' ured` rnears ary perrson o ovganJzWloin quaWying &,; such und9,,r C, - Who ds An pnsured
Oleo wads and praw" Vat app�,--,a,, n riuu0non rwiarks havc .a 1, rnt:.1aning Refer to Sectfcro G - I at�dHi,,y AmJ
Me= Expwses DeWkms
X COVERAGES
1, BUSINESS UA BU' TY COVERAGE (BBD 01'
�NJURY, PROPERTY DAMAGE, PERSONAL,
AND ADVERTtSING tNJURY)
Insuring Agreement
W,�a w H pay those Surns that the ensure-d
beccmes Or gaHy obI�qated p0 pa/ as,
damages because of 't; °o&y un[ury`,
1prc perty darvag ,,'* w "person a9 aird
adverii,.; fn drijury" !o which this
WemH hav the •ght ,,wd (jul,'y to
MY No kswed againt wV
seekJng -1huse darroages d crwew,(-r, we vdfl
ha?a,v rare hJul y Im detend the insured agamsi
ary u.t" sei(*rng damages for `�,,todfly
dnjury", danage" or persci,4 and
advertk sing injury" to wNch Ihts ins,,urafice,
cloes not aip,4,,b.
VVe ni,-ry rap our discie"iun, irvesfigate any
currenice" gar otfensLe and st?We any raaim
i "suW' [hat may result But:
0) The aRn)Wlt we vvifl piay for damages is
Imuled as drscntved �n sectbn D
Liabthfy And Medica9 Expenses UrrnIs
0 Nnsurance, ad" id
(2) Cur rpgtjt aincI duty to end,,,; when
we have us d up the aj:-q)kca, .,,de 1tm4 ::r1
iM',Uirance in Ne paymcwt J ju�Jgxrs-nls,
so=eMs or med&W ;mpuyes V) whch
0 s, rnsww ce appAes
No other otAgaPi,n ear tr.b pa,, surns Or
perform 3cts o ":rover ,fices Ys urfless
exr&J y prolvided f Q r U r1 (JO C ov erage
Ex.tensron SuppIernenlary Flayimeints
I Tmshswarceapphes�
(1) To "�ucldy injurk" a rvj "property
kmiage ody if
(W 'Me toGy jug" or "pinyWy
damage" is cawed by an
UCCLArrence" %hat takes p4re on the
coverage le"Rory'�
(b) TR ie "boufly knuur/' or 'ju operlv
darnage" occurs doring PoJcy
pwnd: amJ
1(c) Pr Or tc, the, (.-�oficy pero d, n Insured
lisled urV der Paragraph "I. o" Section
C. .- V'Vho Is An N �LWed aMj t10
.enqlayee" authu Wed ty; ym; to qfve-
rr rweivia notk,,e, of an "oecurrence"
or claurn, kn(�i,A�, thal, the "t�o(,Hy ir)�Ury`
or `piopert,y, damage" had occ%xred,
In &hoie c"u in part 1I such a �Sled
unsured ou authorzed 'emproyee'
knevv, pror to the po"iqjd g!)edod 1,h at
,he- "bodi�y 111'IpUrv" 'tly
(J"'Image" occurredY , therl Wl,�
rtmtlnuaUc"n, Change r7 rCSUMPI10P
of sudi "bodfly 'pqury" f,,u r 'prupeOy
dair-n al" e" durirg cir afler thie p,,,Ac,,y
peri,od" xiW bu, rJed?,rned k) have bf:;.r:;�sn
kniowr) Prior Io the Poky period,
(2) T-) "persona� and adve6sing njury"
caused by an offens�� aris�ng oiA of yow
d.iuswiess, h .�t c,,rflly df the offense vvas
C,CXTIMpflUIJ 1n the Ieriitay)�"
dwng te ,ad Wy pwbca,
c, f i>r C &yf jn�ury` or "properly damag,,," mH tm�
deemti,,d to have teen knovin to nave
oc,i, urred at 0)e earflest 1,1me when ainy
�rsuved 1�ostd under Paragrapr 1. J S(x��kcn
C. — vVho is An Insured f,-Jr an�, er�plluye��
auvwrn zed ay you to give r rel"'ekie nutice
;A an TomneW u daW
(1) Reperrs, a1, cx arry part, uf The, 'hixf�iy
�n ury" "Pric.)Pe�1y clial,nage" to us or
any Weir Wumr,
Form SS ()WmTr �E; , R.
20MV The # WAW-11
-PA
BY:
Page 1 of 24
BUSINESS 1.BatZL NTir C IERAGE FORT"A
12) Recoves a KtWn (!�H verbal dernar+d or
darn ft�,r darnages bee au,'�e of the 'hu6 y
'pPoperly =Jainage". Pi.
(3) BeCUTIeS aviare ?ad any ir.-M)er fneans
njury" or 'prope0y danidgi'' his
ccc,irrc4l or has! „egun Yoe ➢cciur.
d Damages of onjury” wM:IhAEI
IJarnaqes c4ined lfJy any perso� i or
c
'J�qarffZaN)ri for nana.' k')ss "Y serv�ce.'s or
death resuhfin�
g at rriny fime froa) the "bodiFy,
hjury"_
e. inicidental MedicM Malpractice
(1 Badify me, oW uf Me
render4rq of o faHur(,a to render
prtgesmunvO heaNh core ser0ces as a
phy ecwar, denfiM, nwse, Hrnergenc,,,�
me(Jk�as techn6an or pararredoc shafl
be deewned to ae e wsed by an,
I occurrewce", but 'uf
(a) I he phys;<.,an, dentms , Mwse,
emergenvy rnekfica technrician or
pwar edic is r,imipk'lyed by you lo
p rcd idea suii:h servkes and
(b) You are no", in the
business or u(,:,.,upafliw or pnwiding
S=hserwms
(26 Fur t8r purp.'m�^se
Of
knsls of wisurance for
u')cidenkal
rinalpiractice, any
w:t u r uniussiun
toqelhei� w fl 'i ai
r e 4 ia t +,,, d acts n �
omissuns h Hw
RaNsNng 0 Use
servlces to an, ,, one p(:,,rson v),M t)r,,
considlered orl"",
Z MEDICAL EXPENSES
MunAg Agmemmit
a, f, rs vAJ pay nmKai expenses as descrNb�;d
Lwrovv foi, "UcKfly equrya" caused tN�y an
axdm�
(1) On prem ses yuu uvvn ur rent;
1(2) ()V� WaYS II(IXt tD prerrises yuu cwvn or
in 91; or.
(3i
pro,v de J thw�
(1) The accident CW es p ace n the
" o,)%,prage Vemtuiy` wrid dunng Ole
pAky perlud
(2) The expenses are rricurred and reporled
to us w4hin three years �� Ilie date of
the, ac6den arid
(3) T l r injpuned person aaubrnits Pu
exairy)'Vr*Vion a f' n u ' e)(per4',„e b y,
Qmdws of mw cWce as Won as we
reasonably aqura
Page 2 off K N'I r E, R F. 130' o
APR�
b. VV'e VVI0 Mak�,'. thesrz', psyrneils r.,,r
raiPt Thesae pa�,,(�nents ,OH nut ex fined, Me,
ap,p!rk,aHe Wiiit of insurance 0h m4 pay
reasunabW expenses for
(1) R st a6J adrnmistered at t�rne of an
ac6kK
Nece „ri�aary surgk:,,a x-ray -V'10
dend oil services, ncludinq
devVces' ar"d
(3) Nt,,cess,,wy wW)uianii."e" husptM'
pimfessurni numing and hmeH
serices
I COVERAGE EXTENSMIN -
SUPPLEMENTARY PAYMENTS
a, We wfll p,,ay, wM respec! to any Qnn ur
1 swl` vve kwestojiate c)r seWe, ur �a - y `sui["
against ar, rnsurEhf we, defend:
(1) ;41 expenses we incur,
(2) Up to $1,00() for Pie cult i.!�uf baH bunds
mquved bemuse 0 acKNIs or VaMi:'r
ra%v vioiafiuns ari s ng maul of the use or
any vehlcle du ,,vhm�',h LmabiHy
sIjp;)I�eS' V'je
do wl have to furn�sh these bonds
cos', ;)f appt,4 bc) ds r-,r Lur,ds "u
bu� on�y for t;nwd
Imourts smith in the applicable 9trnit oT
onsurancra. We do ri,M, have to furnosh
Mese bw ids
(4) NI reasoriebt expenses incurred by We
insured af oum recgi'jes t"') us In tJ"'e"
�nvesfigatk,art u, ot 0e n o i�r
"I sw" inck)dang ac9�,aE h'r"�s of earnk')r")'s
q) lu $500 a day because ul t"ne uff
own MY<
(5) 1,0 costs taxed aq&nst ff�e &insuredl In
Te "su�t"
6) ntc.�,resl avjards,�d aqlwns�
We kaurvd on MW parl W He ;Wgrvw)�
,mer, pay V vve niatie an uffer k,) paiy lh,,
appficable kfniit of insulaIIWE,, A e ml in(,it
pay any preEudgment rota nest, huse),d on
that perii°nd of time, after the 0
'ffi"'qr
(7) All �nteresl i�,,n 0)e futl arno ,int ary
dt,K:fqrrent di,:)f acm3es after ew,�ry of the
judgrnervt ard trefurii- axe have pad,
oRemd to pay w &pUNA in cowl Te
pal of te §Wgmmq Hart 9 oMhn T"�n
anpIkable li rnt -,af iunsu.ur ,ince
Any wnoumrts pwd ,n der (1) thro,jr
.;h
abvvE. vviH rol rHduce "he kfmt " u'l ksu'arr'e'
Form SS 00 08 04 05
I we ck%nd an 4swed alms! a IN
ini an inden,"milee of the Iins ulied us also
naME,ld 3S a tO the "suo" ve lNlifl
delc,,mJ that wNJemnllee af all of the
NAMAq CyWws am Met!
rhe against the iindernrflee
seeks darviages fir�w whch the In sullcr(J
ma asmrnal am WbOy (I ke
inde"initee itri a s!„ovtmc i agreenierit
that is an 1risureiJ confiract'%
(2) this msurance app0k:?s lo sucr, 4jat!nlity
asswned by Hw;nwoed:
(3( The obijga�ior � to defend, i:)r fl iiv e '.'c)st of
the defense cilf, than wldernnitse, has
Wso b"n asurned by aw insured m
he sam Wswed Wrwr,
(4) The aNegatk!ins ai the ".iUit" acrd 1he
wformation *e kno a about lhe
loccurrence" tare sud:h that no conflicii
appears to ex0st beh,,'een 1he I interests
of the wsured amJ the O&W of Me
irdemiiOee�
(5) the undeninitee and the insured ask
us Co condgn and comd the dehnse
c'f that indenwilee agahr�,;t such "Suit"
and agree that roe can assign the
same amind W WAS the insumd
mid We aidemnlee; aN
(6) The hdemnaee�
(a) Agrees in WNg is
JA Mems wM us 0 te
mvesliqaboo, se1t1ofnellit cir
diaf-inse )f lhe 'suif
py yNedumy Sao us VqNs A
arq demands nokes,
swrMOVISE"s Or gega� plaper�"'
6k;'Ck"W"ed irt cupnectior�i WVW)
the %W
tl4citAfyll any insxier whose
is av"'Wabk" "'le
iii9derrwijteVie, and
(u V) coi +perate vw;th us 'd0h
,e spect t,r cooiannahrig ooier
appficab�e lnsurliina x,, wailal:sfle
to he iarcfrsrr,uaMnw mid
(b) Prravfdes us 4v Ur dvr4tlen
awhonvmbiri to,
(0 OWN Tecords and other
AWnabuin relawd to Me
. suCand
(fl) Condu,,n aind colll the
cWense of the mdelninitee w
Such "SuW'
F o r rn S ttAf,
fk'
BUMNESS LMSIFY COVERAGE FORM
'3o IQ; ,,,ng ,a,`, s dx)ve ( "on&ions are rrle�t'
attomeys" fees incuirred b y us w the,
Jefiense of Vix w r&: less ao/
fikjak)n experisEs by us ariJ
necessxl hfigaaion expensas
by, the indernnitee a, our request wiH tx,
pNd as Supponeamy Nymunts
NfzvjU'standinq, provisions of
Paragrai:)h 1,b R)) cif Secfjii�w B. --
Exclusii�wis, such faayrwieiMs *W no be
decpnei'l s) lbe darnag�.'a s for 'LrcmJl�y
Mliury'" arld "Piroperty dalnaga ana"j 'ifl
a101 FedUce the Lliolih, of lrn staance,
Our oi:Agation to defend an irlsure! ,J's
wderlW tE,'f� ar�d �o pa'w' fii atti-,wneys" feels
ar,d necessary itigat1 on expenses as
Supplernentary Payrnents ends whev�
(1) We have used up the appkable bw
of ii5suiralnce in the payrzrcm't ol
pudga le fits of setilerneirts or
(2) The condiiii(!)ns set kAh abc,,ve, or the
tern s of The agreerrent dlescribed ir,
Pai�arjcadAi i above, are k�iniger rT'iel
EXCLUS�ONS
Apf)hcaWe .t ®a Business Ltabifity Coverage
FNS instoarice does not J,)Qly r1D
a
Expected Or pinteriUed unuury
(4 TDQ�oy gd p "
expecNal or artolded harn Hie
wan4au" of 1w inswel TWS
excJusi,',x rot ipp:aJy to "bodily
mpg" Wjimpwy dample" mwAkrg
frr)r,,a the use of reasonable force
pooQU plawns oqmVeQj w
2) "Perscxial and advefising inp,zy` aisuig
ow of an oftrei"ise 0)4rMitted b/' _it "he
direc6cm cif o Mllh the consiew o',F
aaphsxyma C1 "W iriswul W01 "le
expek-tation 1!�)f ioNcfing and
" a
dve1simg
b CoirilrachW Uablkty
(2)
for which Te msval is PP QpW W pay
darnages by reason Y "J ilhe assumpkcn (A
hahMyn a cmulad x agreemenI
rNb t�,,iciusk)n &x'�,,; not apsply 11i) Hability
hr darnages became A
(a) "Bod&y "properly darrage" i',�
,,, person,,,i4 arid sdveMsinj.; in,iury" 0i at
the msured moUd ha"'e sn the
the c'enIna"A
abseji�(!�e �-q T
aTeemean oil
Page 3 of 24
BUSNESS LIIABH.Jr"( CC.)VERAGE F�ORM
(b) '&:)dHy ranyury Mawr , "properlyrJainage"
assurnlpl,l in a (,oOrW or agne,va4j,,nt
that us ai-t "dnsured ,:ontfact",
Pri"'d'vided "bodily injury` or
llfaropi�'aMyr darnage" OCC"Us'S
SUbSEIqUent ro lire a xecufii�)n of tr)e
c air oi*ac t oi a
, gre ui &�)ieCyr fi;x
I'-,,e purpi,-,se of �MabjM'y assumecl 3n
an Insured conlract", reasonab4?
attorneys' fees and niecessary
HQUan expMes inasred by or for
a part,,, &ief tl,,an an tnsure,,'J are
yJeen)ed lio is Jamages because of
"b(:)dly 4ryurj s "' " 'pfop,'�wly damaq,,'"
proWQJ�
(i) I iabtity ta�) s�jch party kd ,-, or fiDr
the cost (,f, ;hat parly's defense
Ws WmAmen wsumd wi he
sanie " in&.aed r nlmct", and
(6) Such allcwneys"ees and
Hgation expenses we %jr
deNanse c4 that pany agInst as
Civil a Myqiawe lspte
r ,io,4Aa on prcx:eedung rn l6ihic;h
daimages to wtvch, this
iw surarce appiies are afleged,
t„_, D_ quor Liabilly
"BodOy ln ury" of "prcper`ly dwriage,!" foi
wh ri any lnsur1 d may be held fi all fle by,
reason cl:
(1) Q ausing w contnbutmg to IhE�
1 fll f () X i r,3 f, 10 r) of a a y p e rs a r:
P) Re Inwhiq; A Wa&am bnvags
a pekst!!nn und& thii? legM diviksig age !ur
unlde the inMw, iice c f ak-,Jx,'A l:!,,)r
(3) An,,Y, statule, or&nance co-r re,,,,wWkrrr
ekilmg U�d tf,,e salle, g ft, dlsluib),A on v
i6e of alomdh bevmagz.;
Pius exc�waion appfldes only of you �ve �Pn the
LWSrness rnanufactunng, Jsb U)ufin,,j,
sefir�g servnrg ar furni ih miq ale ohok
bmem"s
d WuAers' Cornpensaflon And Sirnflar
Laws
Any obfi,,jation of ffie ins,,ire,,d umJer a
workers' carnpensifion, cfisabi Iy benqA(s
C"ll" LJnenpAoynierl =npQrisal,'g,,n law rn
any AM WN
c Ernp5pr's LAWMy
"WHy iNury" A
�1) An "employee" of the inswed ars swg
out ot and en the couirst, of
d,a) ErnpflOYV)Cfl')6 by the Ol"
Palgua" 4 of ;24 awe N
. ...........
BY05 . ....
(t)) Per'N)rrn'iirj diAes neda9ed U:s r he
'",o� di)cl S
- � 0 ��,,e �ns�ijrells �,',us�nes of
M Tf" e spoijs(,r, cllild parent broflher lzx
Wer cq IM ' "anoo {alr.wyt®d as a
c,c.'msequence of (I) abo,ve,
Ths exclumon apMW
(1) V'vlhetrer tr,,e insured rnay � kit le as
an cjmp3 'dyef l in, an ot�'�c'r
and
(2) To Ifany ob�;gatian w smaie darnages
NM or rej!�l ay suninecine r:n se who foust
pay dawages because uf We, mayury.
"This exciusnon d )es ncl� ap�piy to hal'Aily
a;rosixnec, t,y the Iansr,reJ und°r�r an vrst)red
cr�xvracC'
E�MMWMM�Um
"BodQ . Hyre "pimpeny camagW Orr
.1 pleasonal and adveMsing wnjury`
Ming out of the actuan alleged of
threwei led djSCM'afqe' dUspersa!
seepage, nNgrwhon, rlease or escatre
of "PoluMs":
(a) aAt or fiorn awy p irnises of
locanan vWAM is or was at any
hit ne Clowred of occu�'Jerj by, tai,
ren�.ed or oaned to any irn 3ured,
Hov,,'eve" , this sut�para,,,jraph der ,,,'s
kx
"B"adJ'y oniury" if susurled Within
a buNc5rg and a,uaa,rrrwy by
snlu!,',ke, 5umes, vapor or, sont
Vm0wed Q or onovohq Wnr
F?��Ju11'a7n1umt that is used to i'eat'
c�)op or detLV'Ud,"y We Liuikling,
o equspmena that ps uswxi to
Wat ;vWer tar peisonal use, by
tt-,,e bola ding's c; upants or tht,,w
guesk
)wrep by xVy
darnage" flia, why ch anay be
heid HaUe if you are a
r,',umracto and lht:� )aAmer
leSSal C! Wh pef rasa s, W of,
Rocall,Dn has been ad,'Jiad to yauii
pokf,ay as an aildd tw,,nai ns�,aaed
yVjjf� rrl�SiXa'j to your ongcring
c)perat!ons late vforrr,ed fo
tt
al.Jf'fitionap i i �s u t ed at ha
prerHsev s0s; or loo, iai and
stzh prernises, site o" Ycrrmon
is, not ar,r,J awver vas olvlvne,^ d of
c'-cojpsed by, w rerjttyej or
ioanred any insured, rrOrej
tnan thay zii!lditio,,a� nsured, o�
Form SS 00 08 04 05
BUSNESS UASR FI'Y COVERAGE FORM
oiJiTy �njwy" c!Cr "B,,doperty
r6eased as l�mrl, (A the
dam"W"mOg aW W hear
p
SrQke CK fumes Boni a
by wh waveT caveow or
'hmWe P0%
SWXWAMMM�
(b) alt', o fn!!�m any rvernises, site al
"Bo &y injijP" i' cdr "pvoperwy
k)C'aty0�1 �VNC�h iS ()t Mis '3t `30y
dwnaTe sustakea Wn a
We ised by or kv arl kisured m
buking and causk��<J by the
others k r the h➢m0r1g,
rLlease of gases, furnes or
disposa�, proces&rig r,)r fteatrnent
Vi3pGrS frOM MONirlahs brcught
CA Wave:
into fl,,at b0kfing in corrnecfion
(c) Which are oT weire at any fime
with opwakws Wrg pwRvnmd
hwagme? Wow& mored
by you ou on your behatf by a
treater', rfisp�used of, ��'�r pr(,)ces,,,ed
conluack��r or subcontu sac ci
as wa0e by or for:
"Boday un urj" or "propedy
� Any �nsure(I� or
dmag e" ans,Jng out of heal,
�r�
srnoke c�ir fulme's frarr a
) Any person c�H irganizafian for
"Irostile flre'% ot
whom ymi may be egafly
resjpons,ifne�
fe) Al or from any prenr�ses, sdle or
focaLcdn onv/h6;h any nsured or any
(d) IV or from any prerOses 40e or
k)cat�on On Nh�rh �,,,iny �nsured 4
'Wt)rkJrX3 (jir'eCdy or or' Wl�'
any �;ontractors io� subcontractors
nsured's behaff are per�(Amlng
work�ng 6recfly or ln6recfly on
qzx'rat1ofrs l' the cq)e�-'afioos WEt tc,
a r� y insured's behO are
test for, monOor ciean up, remove,
peflonning op(eratlons H One
contain, Veaf' detckfY of nws'"�Oze
JoWnts" we bmuWU on or to
or it any way oespond War assess
ere prerris'e"S' slt"'� or ocafion in
ow oem ot "PHIams",
conrecton 00i such operahans
by suoh �risunud, cont�acog or
(2) iNny lost cost cm expense adidig out
SubcontrwAor, � �oovevpr' trvs
0 any!
ambpahaWaph does not +a 1`y to
(a) R&Iue,;t, demand, oCder or stahutoBy
Tc,4�y n�wy" c,,� 'propedy
ov reguVoT,", requiremenl thaG anil
darnagW ansmg W of Me
4isurerJ or olhefs test rnonitc,�,
escalpe co' fiAels, PV briicants or
up, rernove coNatn, treat,
other c�perafinig flujds which ame
Or Ql' ir� arly sbd
nwdwJ W pa5m; he nx='j�
respaid lo,mr assess Me eNeW U
r 1"' ectrlcat' hay Ji' auki��� Om
"pdAWM" or
inichakcal funchans
(b) (31atm or sui by ar an t,el-aif o� as
necem, kw be opwacin of
go,vernri 9ental au lhar[ty for
" rnotAe e"quipment", or 0S Parts,
damages because of Wsling Q
I ":'"h NW & Urtaris a oler,
amnHoWl, dean&g upAerrmwng
olDerafing fkods esc ape frorn a
wnWAry healkig "EQNg or
vehBc e pa a8', desrgned to hoid,
rwkwaky OT "I my way
sto�e or recewe Th�s
respandiriql W, or assesong Hie
exzupVon does W apoy I the
e=s ot "NAWAns".
'bcxMy iqury" or `pmper7y
Ulis parag[aph does nct
dairnage" ainses rjut 4 the
ajjltp�y to l�abihty h��r darnaqy,:�s becaus(,,
intenfionM discharge. Jspiersal
of "propany dairage" that Me insured
a Re me of Me kah,
waOd have in the absence of suJi
ubr-c,ants ar ciffier . operatir,g
iequest, demwrI, cmder or si�andory oi,
f� t� � d S' oll � f Such
repjuk"Aory c r such cFaan
h-mnicwtz, (v- otter operiating
rir "Sult" ')Y w an of a
flukJs liar brouglI in of to ihe
gwmmwHW aWNAY.
tar em vW (m &Oon wINh
ifie sMeN that they Ihe
6schwqed Or
F N 1", -, F, IR.
Farm SS 00 D8 04 05
Page 5 of 24
..........
BUSUINESS L 1AWLA-Y COVERAGE FORM
g Atrcraft, Auto Or Wateircraft
`B(„Ydiy inpiry" or "pvupely d,�,unx el rts: ng
out of, the maiintenaniie use ar
fi) otheP s of an,/ "auto
o watercvaft oomed or op.?n ate d by or renirf,-d
or lcanrad k) Ear IlAded, r i ac':,y dli
uplarat,on and"fox-Iiing or wnk)a6o"
Ths eXCIUSiGrl ap )Ii e`, oVel if the c6'41ns
agairist any, ,nsured allege reghgence
cd,er wrzmgdoing 'n the SUpemsk)irr, hking,
eimpk)yrnent, tmining oii mon��oriilg of othir.."m
to that unsiured, it the 'occuneinre" nOuch
caus )r,
ed the "nodfly augury"" u
dainiage" 4wclived the owmaNp
wiakleimiiru:,e, w5e cm enPnustment t¢) ofl c,,irr, of
any aiii-craft, "auto" or watmiraft that is
owned of oper»Aed by oii tenl&l Yoaneqd +o
any inswed,
"rN5 exdw.,,con does nut qppily tu
(1) A iA aterciraft v0flie ashur�,, cln premiiseR(
you awirn or reiM �
(2) A walercrart you di: not oom tha; i,j
(a) Less it ian 5 1 feet, iorq and
(b) Not heiirg use,d to car,Y peisons
for a ClhargE.
(3) Dxk�ng �Iin "auto" om, �x cin Uie vvays
next to piernises YOU "A "ll or rent,
prow died Uie is, W owned try or
rented i.,r ir)aneldl to or the inwI ,ad,
(4) UabN&V assurned under any 'wsured
Ontract" for the c v, /[ e i s h p,
maintenaince t)r use of ajrc° aQ or
waternrall:
(5) 'Bloldiiy inlwy" or 'pru,perty darnage"
arismg out uf tt e operatk,)n of any o�
the eqiucpmeint lusted in Paragraph C(2)
or 1.(3) of thr. d,.fi6tion oi "rvubile
o�,
(6), An aircmfl fha,� t5 not owed rry any
insufed aind is N-ed cha ware or lfmr),ed
with a paid cre+(,; However, thrs
exceplk)ri does not apply if the rinswed
has arny Arei irisufance fic)r such 'bcKliy
inpry" or "property daimage", WhtthEe!'
the other frasurraa ce e, pdrnar)( exctfss,
confilingeni or on any oWier basil`i
h. MoWle Equipment
'PodOy Inpiry" cr "pwper'ly d our laqei"
aii9smg ow of
(1) The trarisporWi�Jn of 'inrruljve ,-,qi),,prner1f'
by ari carpi ect or cperated I!n,, rer
rented or aned ro any it isui ed or
Page 6 of 24 IZ, El"' 13
BY:
(2) The use of 'Iriabnie eqwpaient" m, of
vvhi e ,n prar-fice, o rl ea ,wation for a
prearranged "EiCIPq s e e id Dr
demolific,n "r in Zaily stunbir,(l
actmty
i, War
"Sckdty 'proper'y dan,age" cl
11 jpo-NsonO and advertisinly rilury", howevei
c,aust:KJ, zinswig, direrfly or nindiiecfly, am ol:
(1) Vim-, including undec4'ed o� ciiviU war,
(2) Warhke acAu',in by a ll'rihtlry fi)ikE,�,
inchiding action in hiridering or
delendng agamst an ack4l or
expected, attack, by .Wny govemrnt.wia,
sovHfe�qn c,,r othe� authont,yl ��SWIg
inflitar✓ r.ienwinned or otiher aJ,)ents�: "lr
(3) hm;urrelilk,)n, rebeillk)n, re'VOlUtiOn,
usurped power, or ac iun taken by
goveirrm'iental authoMy m � iilivllei ing oi
defi:,,nding aigainst early of these
ProfessUonal ,apace
'Sod[iy inj I wy I ., propelry damage" nali.
11 personall and aidverlfisinq mjur/" ,Arisinrr
W of Jhe mndera rj of or falhUre fC) I end&
any pnofessk)irVal 'we ry ce iH5 mcludes
t) u t is not knited to,
Legal, accounting or aC,ver`N0,ig
ser,,iCEeS.
(2) Pluepainrg. �iPPOIIIM'Iisg, or fallkrlg tc�
p epare u,,,i ,,4), pr ovel i r,,-Ap s, shop
,Ju aviOgs op nions, to f)'UJIS, suil',OeYs.
fleid orders, ,Ilr der s desg-,s i-:r
dravv ml)s and specif(.alk)riy,
Of ellg6ieenn(d
(4) Mel6cai, suigica1,
nws nlg seivucei> treatniont, adl,ICE"! 0i,
5) Any heaMth c'f theiap)eutir; sej-,dc,'
lreatrnent, advMcle or
�6) Any veatrient, advice or
41strucfilon fc, r ihe g)urpose o�
,appewaince or skin einhanic,a�iTwwl hair
ren,R,�vM or rq���iaceinerrl oc pe�sc,,,md
groom yg,
(7) Dpticafl or V uearing aid s e ry k:, e s
indudring lhe presa,;ribung prepawaficiin,
fit in 6Nnon 3tfaticn oii cfisO butjuini ot
and
pn caucts or hew ing aiid devicLesr
Form SS 00 08 04 05
BUSINESS LMBIUY CCWERAGE FORM
(8 C)p ome4ry o r o �) . r i v i a,,
Paragrap'ahs (1), (3) and (4) of V)is
inf,,,Ki(fing but nc)l l0n�terJ to exaiminat�,'an
ilud app�y lo `proper�y
d we eys my Me pMS&hnq
+Jarrlag�,," (otl er 0)an darrage by to
1)b�eparafiun, ur
j,)NIITTi0,SeS, inchAirYg cl suich
ddstlnbution calf oph04rk and
;)ueni*ses, tC,,nded to you fot as per,cd c f 7 ur
sanifar
fe,,ver uonsI: ,uutve days A se;�)arate (..knit
19) Any:
of knuionce aNAes to Damage To
P,,ern�ses Rented lo If"ou as described In
(a) Eady pieRang (not IdWrig ear
Sect�on D - Lirmts Of Insuranr-,,e,
Pam~i P) d is embson Aws not
(b) Taflou4ig, �mJud�ng but n(-A iinitod
a���Ply �f the are your work" and
to the rnserficln ot �,�jgrnenks
%�mre, never occBupied, rented Cx held for
toder Mt My and
MW by you
(c) Sunilar servjoes�
Parag9 aphs (3) arild (4) of thrti oxclusion di.,a
(1 0) Se vicli, s in the p ut�ca,, of plharrnacy�
not app [y to the use of olevatlt�'drs
and
Paragraphs (3), (1. (1 and (6) of Ihs
1) CompiAer consuMn, desjr; or
exclus�urr do no! app�y tu� kabd(ty assurn,,d
prcjgrarnniinl: ser�tices, Icxfi.dling xeb
unde� a sddva rack ad:treernent
a deMgn
Paragiia���hs t3� and, (4) of �Ns excluson do
Paragraphs (4) aS (5) of thl exduskm do
not apoy to "pmpeOy damage ro
app ),, to the lnc,i;t ntal NA�,Nlk;W
bc)n,o,,Aed oquipmen? vdWe nof, being LUST'J"
Malpoadice coverage Aordal undw,
to a, oj,id-rations at a toti site
Flaragra;:rrl I e in SecJron k � CVteragos
Pwalao R A M enliMun Ms no
K, Damage T" IPropert, y
apply tio "properly damage' Jrichjded in the
darnage" to:
produo�ls cx,)a npAeted, lopu: �,,rabans,, `-azxd"
1) Prof)erty you vja,,n, rent or oo:�Lipy,
V Damage To You rodUCt
Adulng any com or exymnes
"Ro;., erly dariage' to "ycur pP „Awt`
lvicunred byr you, or any (Ahear peq,s,(�,)n
Moog ow I A 0; W” Pat d I
orgarrizatk��l � o� onlity, flor repav,
ni Damage To Your INS
rep acernent, .�rihanuement,
N StOMUWI Ur iniaintenance, 0 such
"Roperly damage W 'Wair waA" allsmg
plo,per"y lor any reascm,
out of 4 un iny part of it and Juded in the
inckArg
prevenNan W hjury N) a peTsun or
opera6oris '�azarld"
damage to anWhwl pmpsV:
TV egAuskri does W apoy I the
(2) Pwnbes yoij s6h givo away or
larnaged wu6 or the work out i�J ohicn
abw rdon, it 0 'p� oper�j darnage" anses
the darragi� w�ses ww� on yow
out (J an�v Part of those
behal by a subcaifrador
(3) Flrope�ty luaned �lu �,uu�
ni, Damaye To Impaired Propevty Or
Fkapeny Not PhyskaHy Ijumd
(4) F�,ersuria� pro��)tmly in Gwe, cusiody
or conlol of the fnsured�
"Flroper�,y larnage," to "drrnt�)aared pmperly'"
piope�t,y that has ni�A been rlhys�ca�ly
(5) 7hat paitfukar t:mr� of reM pv)p+oy on
WA ark
which you or any confractois or
SubCOMfac"lolls �dvoirkui�g djrecfly or
(1) A defed,dekerm, riade;uauy w
�ndirecfly on your behaff m,e i�)lcriimrg
danqe�ous cor6fion r "youT product"
cplerahuns, if Ue 'p�clperly darnage''
UQUI *own w
anses md cA Use aperalow m
(2) A rl�,,,flay o� faJure by yuu �)r anyr,,,ne
(6) That parl,�ci,Aar parl, of any prope�ty
&�tng on your beh0 to peffon,n a
O)at rmjsl be restu�ed, repa�red c�r
contiaict or agreernent m accic�uxlce
replaced br,,,cause "your wcrrk` �,vas
wRh is Wnns
maxwWy pwhmied un it
'Tl,qs exchjs on does not apply to ',he Goss
use of cAher prcq)eity wiswg ou,', of
sudden and acct dentaM Ynjury to
11 your producC` or "yom voork" aftel It has
been put to qs Mhaded use
Funr SS 00 08 04 05
1 E, N T Ec R I rE,% D
Page 7 W 24
U,
BY:
BLMINESS LIABILF Y COVERAGE FORM
o. Recafl Of Products, Work Or hniijpaiirefl
Pro pert)(
Darnages Cjall,Te(� for of
experise incurred by you 4 :or ib.tt ers fir)r ihe
Iciss of use, m0idrawal, recaHl,
n-',1114jr, rep�ace rlent,
c,r 6spcsal of,
(3) Impalred
if sut:1i prc,,ducl, work or proplerlry is
,AAhdm%(n or ref,,aiPt,,d frIDn'l TTIWk•t oii
fron"i use by any person or organrzation
because of a known or suspe,!fted deteV
d e fi c � e n cy, inadellwaco, i;)r dangerous
condftn iri it
p, Personah And Ardve6siing hijury
'R:.�rsonah and ad,�,,ertisl ng nur'v`
)f') Arising out, c(f or all, Wltt-il Or m': C.t,Mr)iC,
pul*caticM of mate6,-.fl, ut done by fm at
the of the, msurud mth
knovdedgp of hts falsl;;y�
(2) Aiisl ng cut of volten or eiec!,onic
puNrcafiun of mareriad whose finsT
publvcaoon took pclace before thii,
begJuHng of the pollicy pericAl
(3) Ans4ig out of a crilrnJ:14 art :,,omrciw.ed
by w at IN-- diu of the insuired"
(4) Artsong m caf any brea& of r,oMwt,
t,xcecrt an rr,phe,�l ccx*,a�A No 4daoe
aricrtheir's %Idvell�sin'g dea" in yvor
15) Aris�ng oul or the fai4ve of goods,
p,roducts or srary ces to confwm &N')
any sUilement ') f quakty () �
" e rf a ir r n a F1 C E I a I'll e in y ") u r
a d %r e rtd s e T in e n t
(6) Ansing ow (of ;hc, mung rya sc'r,pMfion of
�t e pme r4 goods, pmdi.xls or
f7') Ansm(� out of ary vi'AaUcln of any
.3
imeHectij,a4 prcq-)r nghps such as
copyright, patunt, tra<lem ark , tra,'Ie
narno, di' add secret, serOce rm',irk or
othor des f]nalaon t) 1 ,)j to ' Pl N
Ho,ve,verr 1hrs exciwsmn does
jpp to i nfringen-,(-,,nt, on your
11 wlverfiscl-rnelyC", tof
(a) Copyu gh(
(b) Sk'K;ar), LJNr SS SkD(pn 9 w aps(o
r';a tradernark, trade name s,. rvice
Mark oa nAhw desqnation of 0,I)VI
awthenth"Ay" ix
Page 8 of 4E N6 TE, I R, 14; 1
A "R 2 6 2 01Z("
(c) T,Hr,,, of any htumary or all�sty c wod,',
(' h Are µJng oul of an offense co)rnrnMe,,J by
an Insuin.',�d Nhose
(ai) AdveOsirg, tg
pubfishing or tia�ei!!,astJng,
(b) Designing ci de;isayviri4,jc 1, awc, ",t
of vveb s�tes for atheiis: jor
jC) An lntt� rnet Search, acce'sr:
Coollent or servce jjprovider
ilovvem-,,r, the each siron does nct
app ry 90 Paragiraphs a,, b, and a,
under the defimticn iDt 'persona and
adverhs ng inrunury l' m Specficn G, -
i, iabiNr,V And pvlerlicw Expenses
Deflnifiof 0s
Fi�i)r Chp purposes of ths exi.Ausion,
pflacOg an 'advelusernent` for ' i r
mking to il),hf:qs rcn your ,,%eb site, brr
tself, is not considered th' bus ness
of advwl�smg, browJcasfing,
putn4''rshmig c; txhacastrng,
Arlsh () OLA of an + prat N()(Mj
(,;r buHloLri bcard the ins ur E:!d hosts,
owns, or over whc -i the snsurt,,d
(I'VI"IFCASCIS o"')ntircil,
(10) Arusnig out of the Xia,Ulhonzed use of
an.cfl h:,r's namire, or podLJC'l in pi)I ,v e-rna0
adclre&5, domwn narne or met itwgs ar
Ml'p' 0�E�r SUTI��ar N3cfics txo rnjsleae,J
arx,l,,cr's potenT4 cusk:irnc-,,rs '
(1 t) Ansk-ig out rat '�hp gl+cliatv'm of a
t r,Sion'sl nghr 0 pr vacy creape by
arry sta° f"' or feoIt'.Tad ac�'
HG,WE V-E, "r, N'S i?,XCAILIS on does no�
if) Nab�lity for darnagt,,s that the
wisuied vouid have in Whe absence of
such state or ferJerai act,
(12) Ansing ou. of
(a) An 'adverliSeT)E'a"C fOr othlt,,rs on
y a I vve "� Si t e ;
(b) Placing a Irr* Ico ) vveb, s tu, �A
ofliers ,,';n yow weL sire,,
(c) ilrontlent prorn a web MOe of others
dis�!Aayed Arlhfk as fraMe or Lo)rdT
c"i your pveb sle Conlent mcr udes
ti NONT)aticln, sounds, text
graph4,,s or mw3es or
(d) Cun-puter nAe, s ft m, a r o M
pr,rgiarnr-mml used u enabk�,
"Youl vvur'-o 50,13'
(i i) Tne prescruqmccn cor fuvctionakty
c,A airr 'adverlisl,.-rnc,nt or oche,
nnrell I'l Y�„!Ul v4eb 'rutel
Form SS 00 03 04 ()5
(13) 4rswq out of a Jcdwon c� ari�j ar0�-
out KV:
('f if Arws ng Out Uf l!4 IRUCtUaVCW I'PJ'[Ce Cn
vau , of any Mii Ors, bonds or cather
secuhhes;ur
(15) Ar,sOg out cJ discrimmatain cn
hUrr-,,ihmoon corn�7'0rr' ;,d tv or at fl,'�e
cfire,clicn of any "exa ,-ica,&ve officeC,
directi�x, partner ii,rir
mernbeir of tr),e lnsured
Elecdcudc [Data
Daxwges arling out of the loss A loss c,,,f
use, i;)f, damage to, corruptlon c,1 in ability
ki access, c)r mab0ity to nnampc�late
"Medradc dWa".
r EmphymmHAe[awd Pmokes
"Buddy Qwy" or "personal and adveMling
yyry" tc�
A penon eking uunM any,
(I ReW to employ Int pemonn
(b) c.)T that perscn's
employmeno or
EmpbymentKaWd pradwas,
jpc,06es, acls or urr0sstuns, s adh iB
coer6icm' dein rr ru, tvalu,3611)Y 11
disop 0're,
dfffarnalion, hwas5rromf, hun-d Wabcn
cx drscnrrPr-A!ionj direcled at that
pwon; or
(2) IhC' 3p30LSe child, p,,,veint, brc"iher u�
sPslei o f that person as
consequ,ence W, `bo(My jn�ury` Ur
pf irsuna� and anjury" to the
pemcm at w o ri parry of fl
ernl.�aV,�/rrrtamt relalt,ad p'ractic�es
descrabed Vn Parag9 ap -�s (a), (b), or (c)
abne 1 dredecl
Its exduton spWhs
(1) Whether th�e insure�J friay t,,e lu abh' as
an ernp�oye cw hn any other i,:aapabiy;
and
(2) To any obl�gaticn to shwe
Mth ni repay else who inust
pay da;Taq7,e3 blecause of the hnpw'y.
s. Asbestos
"Bo&y, nfi,dry", "prr,perty dajnaqt,)" Dr
llpel sonal art inp.ay`
airising 00 A 0re `asbies�us haziwd`
(2) Any davtaq(-,,,s udgments,
Ici,ss, cusfs or xpenses that
Fomi SS 00 08 04 05
APR 2 6 20
BL)SNESS, LJAB4 ITYCOVERAGE FORM
(a) fAay be rur sncundJ
reasc)n of an,, ch)mi ur a;uil
aNeginq acluau crr threatonecl iinjujry
or dama je .)f wry, nature� c,',r 10id �a
persi�:ins or priciperty wh0i wc)uid
not have, occurj-d Y�r 'qvho4e cw In
paii�! l!!)ut for the "a3t)estos hazard"�
(b)manse om.af uf airry request, demand
oirde� cr� stab&�wy or
reqwre,fnenl Viat any insured w
c6ew oni tr, no%q dem up
trea4 dwcWy or nal4K or A
any any regmnd to or a, mss Um
efeds of an "Wesms hazwdn m
(c) Arise, out of any c4m cr suit fi3,r
V7 amaqprs b(-.,cause of testng for
mcKing. deahng ta mmmmg
entmpmAWho. coMar6g, VeWmg,
detoky6t; cw neu=Ong or W arry
way (E-sponding to or assessing thc�
Wcm 0 an Ishesms Ward",
t VWahon Of Statutes That Govern E-
MaHs, Fax, Phone Cafls Or Other
Methods Of Send4ig MaterW Or
Wnnabon
"Bo(My and jry', "tare: pep y dan'lage'", ar
11 personai and advertlsing inQuryl' al sirg
direcWy uu 46nicfly out W wry actk.m (.)r
onilssion H,,at wVa1es or Vs 4&gecl to
wohm
(1) The T6(,,phune Cunsu(yier
Act (TCPA), inc1udirg any amendment
r :ur additkl� i to ss rch law;
(2p T'he CAN-Spy�'A%l Ak'A ol: 20(2 Includailing
any anncndrn(,,n oaf o ,iddR,V(,d n tc, such
law or
(3) 10y WuN, cNinance or raydabon,
o9w ton Me TCRk v CANAPAM NO,
d 2N3, to pmhbls or WN te
-ending, transaithr.,g, or
or inff;rniafiw
Damage To Premises fZeirited To You -
Exception For Davnage By Fire, Ughtn4ig
or ExWosWn
E'.XClUSIMIS C thMUgh h. anc, k, thrcwtjn o dc�
nW aploly W damage by Me hghlnq tsar
explosiorl to prenl see rentii;d 10 you m
ternpowj1y by you with perrnisvon ,,)f
the, ownr r A sepwate UrN of lnsuvancci,
applies to thls cuv�'�mge as desf'Abed: in
Sectan 0. 1jabddy And MedWal Expenswa,
Lm0ts Of tniurance.
Page 9 of 24
BUMNESS WBWaY CMVERAGE FORM
Z ApokoWe To MeTcW Expenses Cover3gee
e A, "rust' an e arm Onsured your trus"ees
VVe �,POH no� pay exj��enses for bo6h,,, in��vy":
are bso irsureds, but mmy *11h respect to
ther MAK as =Mns.
a, Any tnsuired
Tb any On xeck exago %cknker wKe 0
1 Each c',f th(e foflc,�v,,6rig A apso �iri msurnd
b, Bred Person
a, Einployees And Volunteer Workers
To a peamn Wd W do wok kg Or on W0
Y" o u r 1',,/ o I u rs` wh0e
Of 311y �nsmerj ar -.,) �enant io�f any 41sured
'A�or����o
pedowmg Wes WaNTe czdf
our busOess o your ployees" other
c, Oijury On NorrnaHy Occup�erl Prevn�ses
than erther your 'exeCUtk/e officers" (�� ✓ you
ro a persi:m, injiw'ed on that pe crf
as an organz0on other than a
fbe
P" _arybj'GS YC)j) rt ff' jt rJ'je e S
pailmeirshq), �okr� venture or firn�ted ��aWjily
nUMWY Occupies,
cornpany) or your rrranag !.,rs (it you are a
d, Workers' Compensaticm And Sim0jr
iiimited lbb0y carrqpany), bW only fcx acts
Laws
wNhm the scope of thek empaynnnu Q,
To
yic�u c�r mdWe pedr)�ming
,� dut,es reIatcd Icm
a perscn,, wheffier r)y ni!�A a i i
Me Cory"! 0 YWY Wows
AnTbyee 0 a, maned, q berrMhs for
the 1) )d4y rrpuG ," afe If' "uyabu e or must be',
Hov e ,,e none of these, 'tmipby es" or
rs-crv�ded under a workers m: )mpensatGon
"Windeer YwA kers" are insureds for
or dasabk hty t,,enefits)aw a sin0air l'avv
(1) "Bo&y kl,twry" cr. "personal and
e AhMs AcUvWes
Avuhsog "JI":
ro a person injured vvh,he pracfiang)
To you, kD YCK�r p�jrU)e�'�, 01.
Snstrkjcl.�ng or p'wlicipa�ing ki any physica�
nwnZers R you am a pwlershp
exurkes or game, spots or WhWc
co wenC ure), t your ernbers
COW&
(4 y(.'si are a 4rni�ed Piat)rNy
f. Piroducts-Campleted Operato.)ris Hazard
C�')Injpany�' C")r a
vvNe �n flie c��)uirse of his or her
lrrr'�ude(t w0h the "�,M),-JL[CtS
ernphymeM or pertamby TdAs
operaUons hazwd"'
WWd to IN: cordxt of yair
g. Bushess LAW: Oky ExcWsWns
t.,usiness, cr tc, your rrther
Exckjdr,,d un,,,Jer Business L)@Wfly Coveraqe,
W ol ed S' whi!e
per'1r',rrrwrg dutles related k; the
C, WHO IS AN INSURED
::mm", M YMU bmhess
1—" ymj am deslnWed A Te CeQnActns as
�b) F)) the sprl�)use, 4:hrd parent,
a, An mdNmduah you and your spouse are
bmther or �! s,te� of That c&
insureds, but on; y Mth rn adrw crg to
or that "voluntew
condU(1 oll: a bus4 eos whk�h you are t h e
vworker" as a C,,,f
Ste oNner
ParagraN,: h (1)(a) jno ,,e�
b� A �,mflnemhirp csr jonnt venture, you an� an
(c � Ffri which thefu, G ,viy obhgaVon
insured You� rnemt,,ers ycnir rr,,Wnera, and
�(�) share damages w1lh or `("'?Ipay
are alsoxsuireds, but only` mth
s,,.:)rn(wone eMse wd cw rriusl pa',✓
respect t(,.) theo!)vokld Of yCAA LUSkless
danaqe ' becau5,e : flre 49P�4,fiy
c� A bmited NabiO,� corrip;iny yru an�,, an
�es'cibed in Piragiard* (1)�a) of
krsurei,i Your n"rembers are also �nsureds,
(b) above; or
but on10,V with respect k) 'he conduc� of y,,our
(d) AhIng out of his or her pRmdng
bkjsf�'ess Yroir managers, are msured5, but
cr f alNflg to provkie
Wy W mqmd to W Wes as ymr
health are se"ces,
nwagus
A YW am MA al to banns cAf
K oMmkWon Wer Wra) a pmVeNhp,
p coodlnq protessr(;NnJ care
�o nt 'Ger'[Ure or tirrited IaNiry CCMIPW) d€;,'yGa
ser,,Vices Paiagraph (d tJoes appifly
xeanVnsured
%) any, nurse, ernergency mjedk:�,'iN
, �,)jjt �7,fj�y yqf,�� r,�,o,
an�', �
techn�danl or l�)cvarneJc emt,floyed by
to thev dutes a�s your cffi�;�ers oq dYrec(oi�s
yc',u to suc�� services
butoNy
(2)
nth Iespet,,,t to kheu as stuckhrAders,
�ai) (),,,vned, oc,:;upk,,,,d or us,�,,d by,
Page 10 of 24 ]Ej ID
Fami SS 00 08 04 05
APR C" 0 181
3
BY
BUSINESS 1AABU're COVERAGE FORM
(b) R"'ented to, m 1:11H care cuslcd/ or
C )v(,,arjr- unfder 0)is �,Jc:,es nct
conlrd c)f, oi ovr,,,r iedVIIichiI phy3icai
a f) ^' t C)
confi,cd is exeroised for any
(1) TodNy mpiry" or `pr,,)pei-ty
purl-Mm by you, a n y, c-4 ""our
thait occurred or
11 enq)k)y(-,qas', workers",
any pariner or memt er (J you are
(2) "Rersona� and adveIrtising injuiy"
Ia padlnersh�jjp cir vpWura,,), or
arsing out of an offe�-,se conrmfted
any rnernbc- (If you aie, a imoted
befoie yuu acquh ed I or tbrrna,d the
bi,miity c,-,)implany)
organization
b Reat Estate Manager
4, Operator Of Mobile Equiipment
Aml person �,O�Jher Vilan vow ernp oyee` or
lo "ll,nobIIH reg�stered w
ioiunlelaM vvcHkw"�, or any organizafic)n
your naine under any mo�tor vehele registra�Icw,,,
II �a cting as your reM estat�� rlran&Jer
l�aw, any pe� -son is �xi Insured whie dinving such
c, 'remporary Custodilans Of Your
ay I yo�v
equipment abnq a public hIiighw,
peri-iriissor Any other peTson c,�r organization
Is
�r^party
TIC1,15tNzinsible fix the conduct c�f sluch person
iivy person ,�)r orgamzaUun ha)Ang propeir
a!n msured, buT onily wd) resycd 1,o iiabNty
tempoirairV custody of yow piopcvty if you
ariging ouit of lhe �)Peration clif the i:,,qu(pmenl, and
dile, 'but oniy�
a if no 1)1,Ier msig'ance of any kind is avaiiabe
(1) With respe,,l to iiabik�/ wising out of �he
to V at persw or arganizatIon fcr O)ts �iat)illfty-
naIntir,marce or use of Jiat propeity,, and
1Hovvever, no personor orrj�,vivWion is an ir*ure�,,J
(2) Ulwd your ](,",rga�l representatrvt�,, has
w�h respect to,
`,,eer appointed,
a. "Bodfly lrrp wy,, 'LID a co-Yee cd: lhe,
J Legap Representative If You Me
person ckiving q-me I:�qrjipmeN; or
�lour n� presr,,,nta6vt,,� it y�,, j dle, bul
?
b '?MiDerty Jarriage" lo proppiry owned by,
ori)/ ic',spect to dufies a!13 such, Thal
rented l�o. In the charge raG or .,cc%ipied
represertati'l,"ct vvdl have, 3H your rig h, and
you 'y the elliqloyer of all "'r peirscy, who is
duties urlder this irfsufawiclle
ar, )nmjed under ths r,,,l-ovI,,,k,,n
a Uirmarned Subsddary
5, Operator of Nonowned Watercraft
Any subsn�diart and 3ubsdiary thereol,, o
resplect Io wateS craft you do rlo own than,�
y,ou. m which Is a iegaHy inc,!ofporatEid emVy
less than 51 feet iovg ancJ is no beim: used
o� wh�ch you own a inleIes� of
to persons for a charge,, airv/ Dersom is an
more v�an 501�,l of the voting stoclk on tht-
Miiie such PI th
date of this ,,�ovvmago� Part
emlission I ir iI c�r
The r,,suiramce affo�,J��ci here�jn fc,)� an
mganIzalion II:wonsdile ifor (t IV condd of,
'Y
suf:h pemon is also an insurad, but ont od, ,
SUb3)di&'Y '10p ShOWI in the DeciwM c)r�s
'espect �c) ai�sirfg oI,l of 0,�e ope�a6on
as �:a rarr,�ed inswed dc,�las nc)l ai�,,,jply k)
� vvalf�"c�afl, and, orly otheii,
m��jr�I cH Jayrlaige mph res;>,,�ct to w1hIch, an
of any k,nd is xvaAabIe to thal�
HISUrect i4nder this lr,lsijianccll 6 aisr), a n
person or l,liijanIzaficm fi,,m thi,i haLldity,
nsured under andher pokcy or 4voukl �. P e.
an wsur�-,�d under such bul for i's
Kovveqe�, nc� �em)n ur is an
tiorinma6on or upon J,le exh,,xjs!�on t.s,
ino�md �%,Oh respec' tg
klT'13, cif insuraric.ass
a, 130dll,� injur"y" to a
I Nir,�Wiy AcqWired Or Fol'Med Organ4afilun
person c -)erai the or
Awy opqanizaficm you ncvipy aicqul Iie r,-rr fcir,n,
b, "Pyopllany dafnagoa" U, DIVOpt,"lly ow and
Other tharl a partnerslh p, vr,n*,Iae or
i H�), in the, ""hargle ol occupied by
W,Twted habdily corr�lpany, and over vvhch yol),
you c)( th�a enqdctyer of ary perscm Pvhc,Y S
mwrltam pima inlE: reil of mo� e than 50%, of
I:w �,sured under I,his pruAs,, ,w
OIie vvo6niq stock, %MH quahify a's as t4arncd
6 Addrfionait Insureds When RequIired By
im;ii.�ired it there ,s no otheir sw[War
Wrrtten Contract, WrItten Agreement Or
avalak "j to that organIzW,on
pernift
a, C,ovefage unider this, p�ovts on is affor,,Je,�J
The pe�som,s; c)r organizaflcm(s� IderififIled m
ondy lri,W file 18011-,; day aMer You ac clime
Paragrapi-is, a flr'�rough f nelovv are ad,,,Jjtdoral
Y" forl", the organizalion OT he end d *,hQ?
lsweds J,Jhen you pane sgree(,, in, a qvnflen
p�)licy peiiod, whicheveir is earher" and
Form SS 00 08 04 05
�IA
BY .t .. . . . . . . . . . . . . . .
Page 11 of 24
BUSNESS LABIR Y C CWERAGE FORM
ont(act, vvntten, agreeir%n cii t,,ecause of a
(e� Any failu�e �v n,iake such
perrr t V ssued t:,y• a state or polftrcai
msp,,er:atiofis. adllusttrient,,,i t ?Ms r ii
that sulicli pe4son or (zirganazaton
servicing @,s 8ht va!ndor liar
added as ain. addifiona� insured �,)n �our
agned 1) rake or nonMy
po cy, ppoOded the Biijury dainage Occiufs
undeMakes 4) !make ni the usuW
subseirluent to the of ilre,,'
(,,,,,f yus�ilness, r) ccrnnlec�hwi
agreement, oir the ssuance, of he y „erirriot
w{lri the distrit;ir&cjn cv, saSe of �he
A p,�,�"aura or organzntw is an &I(,firional
PMOS,
rswed under tNs provision only for rha�
Defnonstraticqi irfstal 11 a 6wl
penci�J iDf nre rlequ�red b,)i the w0ract,
sery c�ng
cq��ei atrcjngmemerl
or pwWt
�BaP�paii,
exce�:yt such ilurrned
M the vool prendses era
Ho&ier no, suc,,,h persc�n �ci�ganrzaOoir i an
crinnecWli Mth the sak� of the
ad=nal ursuivd Mer to pmvbon V roxh
pmdw�, t,
pers),,x) or zirganazat,or is 4nlckidied as an
- stro
(91) Producm iivhich, atler 6, lut:cifi
adilflaonW insured to; an endorsenient �ss�jed
by us and irMe a pan of W Aveage Pan.
(,1r sak-, by yciu, have been pabel ed
noiluchrig aH C.,Yersons or r)rganizabcpris added
co reMed or used as a
,,is afttv,,,unal �nsijreds under the spec�fic
cc"itadner. part u�, ingred�enl of afry
add I flornal Osured coverage, girants m Selcficw
�Ahe� �hrig c�r substance t,�,y or for
Opticiraf Ad6t�onal Wsured Cc,�verages
Hie vendoc ov
& Vendors
(h) ” p3 o d hi,l Nnjury" m "pr-,oierty
dann�ir,�W` WlSrri�j 00 01 tN2 S01(-
Any person,% or r�lrgan�zahclns) 0,referred U,,j
negfl��;ence of fl-�e versa ,try for its
be)vv as vendc�� 1, tUt riNy with respect tr,�
own a0s o! omwbns or hose of
O('J�y rjury" lor "property dawiage" ar�s�rg
r,layt�l
�ls errrp�oyees or e�se
of "your procfi cls" whuli are dsldbute(J
mUng on W behIf Rywemr, this
or sdd Ri he rejAw coume of Ore wen &x s
exdus�on does not appM y to
blusiness and orly if ths, Cciv,!:rirage Part
ori�Mdes coveraye for 'bcidfl,,� Vnjury
The exceptions
11 propetty daauage" 41cVuded withn the
Subpaxagraphs Q4 or "I or
„pooduct ope atllons riaz aV d".
(W) Sucri rspei;Nins, adlusln)ei,Ivs
(1) The nsuirance afforded to die vend,,,,r
WsM or solOng as Im vemlor
S &jeCt r(,, f(:rJjj j,) Wiarr�j ar
,as age4,?d to nialke or norrna4y
exciusiol YS
undelakes to rnake in the us(W
C'CUrSile of �usiness �11
I'M Anuawne Ws nd ally W
corine��fiorr vMh the djstntu�:,,vr
(a) R ripwy" ()P
W SNe d IM PMAOS,
Map" hr wh4h Te verdoi is
(2) ThiS klSLjllarli; �e not appp,y to ary
otAgated to p�ij dajn�iges sy
Ostred persui or organzaho) Wri
reason of the assurTlima ot
vvhoni You have aulji,1'rwij siuuh rnXp�Jucts,
ON% in a corlrwA or agwernent
'F�
ar any ingredwrt l;)&,, or contadiner,
s exdhusion does lot aipp
enlening �rlc,,, 3CCk)MPari)Mlg
liall,likry %i��)r darnages Iroit ilie,
vendor vwouW have in te absence
of the ccw1ract car ayreaarnent;
I Lessors OF EcpApinent
(b) Arry expiress warlanty
Any owson or wjaNzW*r Mi
unaiAhmQed by ym��
orwnr you �ease equ�prnent� bw urfly
,Oh respect to �hei� �iabOity fsr 'bcpddy
(c) Any illy or t,.,.hen*;a� change
wjuri�", "propeirty darnage" "A'
W the producl inade WenUoMy
lemmal Emd abyMn iq wy'
by lilhe, venclar:
caused, in ivl-�cflee v k, part, ty your
(d) Repackaging, pm��erA who'n
clperaw,)n or use r'A
unpacked sdely for the plurpf,-,usrt z,,f
quip nent le&,,ed trr t�tys.0 by sw:�I,+
nspeclfcan, derrronsliation, testini),
pemon or anizWOn.
cx Hie substulon of pans under
�ns�rlucbcrrs frame IN- wnanOachjrer,
aned ti,,en repackaa�;ed pri e,
Page 12 of 24 Ase
E, N''T' B IR, I'D
Forrn SS 00 08 04 05
ra
BUS�NESS UASH FrY COVERAGE FORM
(2) V%Jth re-sq-)e,,ct t(., afforded
e �ssued By State Or Poll,ifical
ic,, Niese a1d;l�crzfl irIsureds ftus
%AdN&Qns
msuran,ce Ji,a,e5, ncA. appfy to arty,
(1) Any state c1 r buP
.oc,cuirence" vvNicb takes Wace afteii
u'rhy 0'/ fh resprc'c"f 0) cpena9ton�s
you cea5e V ci Ieasc.,,` that equ(pmei t,
pedymed by you or on yaw lmhaH N,,,r
c. Lessors Of Larml CA Prentses
vvlh ch the state PcMical subdrosin(in
(1) Any persan or cnganizafion
has a awd a px=t
)jiou haase iand or prenNses, Uut
2) Vhth rE Sf,,E"Ct to tne insurance afforded
c,n y )Afith resl')ect ho kabHdy arishng cmH
tci these addlfior4 nsureds. this
of the oyvne,sNp,, maintenaince c)r use
inurmwe dc:; s nW apOpa
of that part of 1he �and or preirus,'-,,s
c
(a) 1E-.1(,)dJy injury", 'tae d�irnage"
leased to you,
or "pemonW and iWve6smg
P) WWI MS"dA0 11re Aswame awnsid
inlury" ary srrig cail o operations
to the�se h',,st,ireds, Mis
perfoirrned R.'Ir the st�:Oe ,rr
brawne dms no apy R
nluini6paM'y� or
(a) Any "(,,ccune.irce" %,drich takes
i(b) 'Bndi�y injury" or "property doirnaige'
pKe aller, you cease to lease hat
rncluded w,otNr, he
4ind or be a tenant nn tt*rit
corrtoeted operatmirrs hazard"
prendses; a
C Any CHher Pa0y'
(b) StructwV alterations, PlIBIA,
(1) Any Oihfr PEa1&-)a" Ciqr orgarflzwic' n )Nphc
constructil"'.4", 0r der tl0 I
1s, not an nsure�J urc,'[er Paraq al;)hs a.
opeIafion,,; perft�irriied by cx on
thircuqh e albove, but on y wN)
ber-)Wf of -,uch person or
respect lo, liab llty fix 'b�rxNy injury",
wgaNzavon'
" proy,)erty dannage" or "persor' al and
d Anchitects, Engineers CA Surveyors
adv'ert s!n IrlliUry" Caused, in whi�',k3
1) P)rq ,,ircNtlecI, erig�neer, or sUr/1�:ivor. but
in pat by yam alls or arrktan or
orr{y °.vdh resl�!ecl Io) lob)H y fc)i "bodi�y
V-je acts 0� uw1i5!bJcns of �hose ac'twg
k'jury", propENTy dantage" oir "personM
on your KhWf:
amj =eUbg jury" cmswt in vkcie
(a) In the pe foinraince of your
or in pwt tq )mur ays or onbs&S N
ungo(r "cy OPCTabons'�
act3 or oiniss�cn, c)t dhose acting or)
(b) In cor,nectu +,'in vviU-i your premises
yam bw4f�
warred by or rented to you: or
(a) h connecrJan Mh pAn prentises,
(c) In (,,'c�rrrect,cn NIh "ycur)eo1rk" and,
CT
�nciuded o4�iNn, the 'prcducis-
b) in die perfcm-narrce -) f y o u r
c ;rnpIeterI CJ PE Nlta01' S hazard" but
ongoVrq �,'rpei"Wiors r,)edornred by
any if
you or an ymg behalf
Tht` 'NII`4h�9r1
l) t4t4a respect to flne inswance affoY,Jed
agreei'T�3r, requires you to
to these addVOonai insureds, the
provide such rcver�,,ige to
faHoWng additional exclus, cim aprflies'
u�! h sidcMIonai rrsure(J and'
rhis, nsuram,-:e doe,-) not app y ',o
mH) This Coverage, Pad oicwdes
"bodOy niurj", "n r(7�!�erty damaye" .J
ca,,verage fici "NodIly qivy'' ,i�,
pea sonai and adverfistng artijry"
pvupe t)y darnage" n,,cluded
arCs nq out or ihe nanderiing c'if or thr,,
willhin the 1 PI arh d cts
faHure ko render any prufesstonaf
curnplet ed c'pe'ahors hazard"
ser\oi; e�� by or lor you, nckj&ng:
(2) VMh mspec',t to the tinsurance ai,'fi wded
(a) T h r prepanng appro,),,ing,
to thes�.? adclitionai insuieds, this
faflure to prepare car approvc-,
H15U11"RITle does, not apply k-i
maps shop chamAngs opkikons
"Bodfl y, inlury", "property danrage" m
reports, surveys, fie�d �zjrders
I persona� a n d advert�srng f � �,� u ry "
chan�p-� c�rders, des�gns or
whng uW of Me �Wwemg 0 or N-��
drawings ard speoficahans; or
f"'lilum to, rendh."r ainy
(b) Superpsoln nspecNon
RUMedwsh eDgremnj ov suNeyng
arch➢ecil D engineerrig
SWAMI lmodmg
wtohes'
Form SS 00 08 04 05 Ee N'T E., R-r r! I I F)
Page 13 of 24
A, F) R 2 6 2 Ia ,
. ... . . ......
BUSINESS LIABUTI( COVERAGE FORM
(a) The preparng, app;vvKg or
faBhve Yc P epaire 01�, appi"':'�ve
fmaps."hop dr3mings, apSons
reports, Suiveys, field
d awiiniqs and or
(W SUPWN301, inspechon,
wchit'i:Cfuaai 0n engilleenng
ackiles
The Ilimits c"f ins'urjnce that araPie k) addilional
insureds are desated Hi Sedkm 11 ° Linits
Cm Owmae
How to Kswwye O*Rs whar o4w
Vnsurnnce is avAal")' to an adffitionag insured
is desci'ibed is the Olha,-' lnsun�unce Condition
in Section E.. Ll�:ibiiktyiNnd %ledical EApenses
conditions
No persan or orgamzWK m an Owed w8i
yespt,,�,t to Tio c,'card"A of wq amen! or pas!
parinershd;),, Joint veMure or iEiniteci
rpany 1hat �s no�� shown, as a r,Iamed Insured n
Me Declarations
0. LJABHJTY AND MEDICAL EXPEIeISES
UPOITS OF INSURANCE
1. "f" "h IPdCost We 011 Pay
1 e 1-1111lt's of lnsunx-uCe shown in the
reed V araOons and the 8uk v beVcw fax the must
,pr evviR ay regardless of khe nutfIae c,,f
a. insureds,
b. Maims, nn add oi 'curt.: " irrou,
gh it. or
c, Pleison,; r)u ouyani,z'alions n okjrj1y caan-dS of
bQg➢q NAM"
I AggmgWe URN
Ae nmV we wT p" U�
a , Damages tdecwAe of bc��Ny and
rcjperay dainage" n th�
opei,160ns ha'°wd` is
fhe 0p° rations
Aggregaus L apt sWwn 0 U a
DedwWons
b, Darn ages because of alR oflier `bodiiy
lnli m,(". "pru)peoy damaqf-,'" c�" "Pedsonal
an rdvertisirig wnpury", ine.ludinig rawaMrfudwaai
expenses, is the Generd Aggregak Litnt
shown ln que ()ec ,,,vsitions
This GeneraN Aigqregatee Limit aptAes
sepairateiy to each cA your Iocallons`
owned cqr rented to you
"Location" rine'ains 6nvuMnP,t' the
same ar c,(.',nnec��ng iots, cv r,',ieinises
whose (,'onvecfif'�aI" S interrupted oni), b'y aaa
street, r aa dA,, ay, cid nqht of vv'av Of ;"I
rmkoad
ID
Page 14 of 24
';P�P 2 6,2111,
BY
Ns Generai Agg,egate, hml, doos, r,:)t
aa pify ao "propeity daina,,,je" fc, prernlse,�,,',,
wNe rented to y,ou oi, tejrnpaa 4,,
c)cc, pii„gd by you vviih pernission of tfrc�
""NM.M'
sNtSiinl , OUt Ot fire hghtY -Mli) 09
ex0brGuar
3, Each OCCUrrcnce L.Jrnit
Sub ecl, to 2a. or 2 lb albove wihlchev'er
the rnc',st wee %00 pay for the swn ofalV
dawages because of af "bodily injury",
I r, rop ery dairnag�,," ,,i n d � i ied ic,",fl ir,� X Pe M3e",
afising out of 'arry One, "Occurri'nco" is the
[.rat il&y and tvle(hcah EXpenses Limit shovyn in
the De6airaflcrns,
"Me TmV we al pay %"W nwdwl xpwmes
because of "boiddy qUiry" sustained by aaiy
mm pemun is Me MAW Spumes UmiI
gmwn m he DedwaRns
4. Personal Auid Adverbshig hqury Urnit
Sul ,Mpect to 2,b fl,)ove, ffie inctsil, v"�e oliV pay for
tl'e si,Nw of a dafn age s he cause of all
pem= and ca t'« iNwy" suVwned by,
w y f ine pei son or urganizaaflarr ds ff' e Perscnal
and Adveiitisinij lnjury Limit siriown an 1he
Dedambwls
5. Damage To Flernises RenNq1 To You LAR,
The Darnage lo Pr mises Fy:mt,ad To Y'oiu
LJNTidt is the, nosl we 'Ni�l pay undY ,,B Bus near s
Liabirofy Ccwierage for darniges Cl
11prq:)(,',rty darinage" o one whifle
ren',e,d k) you, or in the case of darnage by fl e
Mightnlr,g cir whio" rei'ted to "'ou or
terripc)r aril ,, "�P.:;1 (sp1Vi f,;t by you with permissicc, o,,,
te owner.
n ttie case of flainage troy fire, ligtiu°ing c)r
explcsIt n, the )a0 ru',ige tic, Fli emiisel;, R �,,nlled rc�
You LirrO applies to alV darn age p,)rox mately
ca-,wsed by swn, evient, whether such
dainaqia �es,,iijks tran fiie, kqhtninq )r i xpiosion
w any combwaticin of Oiese
6 Huw t-irnits App y To Additiunal i nsureds
The rimst we MH pay on behal of a peimon or
olganization "N'ho is 'an addJlon'al iinswerd
under ths Coverage FNN is the lesser cf.
a lhe, idmos of insufance sp« ":Cified in a
vuUen cofmck wnUen aTeemeM or
iiennO issued by as state o
b, "The Limits ,j show
or ar Phe
Such amount shall a r)ao of an(I not ir,
addIio,n to the 11 wrni9s of lur s, aance sh('wvn v
ft,,e Dec�aii aficins, and de%ci it)ed fn 0i0s Sectpcvi
Fc)rrri SS 00 08 04 05
cy
If n7,'
),J'a� one knik of insurance wKei Uus,
pd, ami my endmsemerits attached Vherei)
apoks to any WK or Vm Me mum ne wN pay
I,inder ffils d�oikcy wid Me enlysmno& I We
WIN highesi! Ihna of Wilily of aH coverages
apr.�lcabie to such c4rn or "suit" Ho�,veveii, gill
pmagmph does not appPy to the WON Expenses
lin t set folilh in Paragraph 3. above
7ht Limits c;f Ilrusulamrce M Ns CWvemge Pat apply
separany lo ead, amsemike annud perod mW to
is� ly rerT4ii inng perkcd or Qss Man 12 nmnMs, VaMng
vvilh flile be�,�avnng of the policy peh,,'�d shown in V,e
Dedarabilms, unres, Me pr0ky pe&d A whirKI
ahm Quance for an additkcnal ii cif 6ess Man 12
rnonths in that ��ase, the additiisr4 penod w 01 Ue
Vemed pearl of Me Last prer��eding pefk!)d for pixposes
of detienimning the Lrrlirs cif hsurance
E. LIABILITY AND MEEMCAL EXPENSES
GENERAL CONDITIONS
N�MIIIZWBI
Banknipty or hisAvency of the Nsured or of
Ihe imuredls estate idl not reiieve us c)f mz
obligations unider this Coverage Pal,
2. Dudes In "The Event Of Occumence,
Offense, Or Suit
a. Notice Of Occurrence Or Offense
ymj ar any additionaV ire .cured MUSt ,see lu,
4t that we are nofifield as S10co
pacticable of an "occurrerr�,e` c)t an
offense Yvl'kti rnay res�A ln a ciairn 10
Me erdwq pmAUs noke sQuW mduA'
(1) 1 vow, when aii id where the- 'ocrurrerce"
cy Qvne kok phm
(2) The muries and addresses of airvf
niurr',d peralms and witnesses, ard
o3) The natuae ancl Ilrrcalm n of any dn uly
,or damage aris�nig out of the
lcculrrerme" cx oflenne
b. Nouce Of Clay'n
If as cialin ts inaad e cir 'suW' i,s birougl'0,
ar," -u st any insulied, you or Any siddlitiior4
gah
Amwed nluM
(1) fiminedwately iec„od She spl,.�c&cs of O e
dAm or our and Me data rwfW
and
(2) NColfy US aS aauaari as pliactllcab e.
, �'ou cir ainy adcMiof4 msured n'wst to
it that wf,.,, recerlve as whrlen ri,'Ak,:e of lhe,
darm cir as soon as practicable
C"sshWnce And Couperaban Of The
ksmed
You and any other iuwvKod msumd inNit,
ENTER I X
Fomi SS 00 08 04 05
... . ... . ..
BUSINESS UABILT''Y COVERAGE FORM
Byrachasely sera us mpies of my
deriand,,',, Iiollc es, suinmorrse�:�i o,
papers recerved rr ccinnectrojri
vMh do alm am sk'%
(2) AuHmnze us to oblam records and
other-iWormMmiry
l3) (,(micerate with us in the irrvesUgahon,
settlernent of 1)e c alri or defvtse
aomnM the I= and
(4) Aiss�st us, upon our req�ues,�, �n IN��
W&Wmmwq of MV IQN aghist wily
person or orgainization that inay Na,
lable to 1he insured because of injury
fn rJwnaqe to which 9)js msurance
imay mso appVy
d. Obiligaflons At The Insuired's Own Cost
Nhd ijrisuued vv 0, vexcep( at Viet insured 's i
cost' v,ollunlarfly map:e a r "avrnealnt' assuine
any odigation, oc incii..jr any expense, atheir
ton br fir to WWO mX cmmt'
a. Addillonal Insured% Other Insurance
1f we, cover a dairn cir "su�V' under this,
Ccverage Pa�! f'oil rray a!so be covered
by Wher insurance available to an
adiJ t,lomad irsured, such adid&oina� irsured
irw-,,t sublrnild such claiin or 'su' to 'Rhe
Wher mam kv defanse and hKemnT,l
Howe m, Ous pmvision Mms not ap$y to
the thM, yr,)1i,4 have aqre�sl in a
wrilten, contract �&Mten arjresmeN or
ice,imill lhw this insurance is primary and
m,rrr With the acldl(nonal
insureds uwn insurance
f Knowledge Of An Occfarrence, Offense,
Ciakn Or Suft
Paiiatl.,paphs a^ and b a•,ply to you or
any addlfiu4 instood only wr"4en such
. occurrenut a, ciffemst:, 4rn or is
known to
(1) You o wy ad,6tionM r11SUN-,'C" that ins
an hdwduW�
(2) Niy payliner, if you or an siftdltsomar
Pawed 4 a pmVwshp�
(3) Any managei, if you or . an additnonad
in wired i!:.-, a lftted Hatalily c,,)irnpan)r;
&V "mutWe cWtv, at wSwarme
manager, 4 y,,,)u or an additponaf
hawed a a cwpwat&,
(5) Any 1�ustet,�, it you or m add&wlal
Kwed S a kmt u
(6) Any elmed or appmed AQW,A ym)
cy an addlaW inswed is as pdOW
suUdi vis'orl w puuhc e tity
Page 15 of 24
SUSMESS LASTIT COVEnAOE FORM
Rps Panagraph—A apples Separweli to
you arvI any addit0nai insured.
3 FinancW RespOnsiil!Afity Laws
a When thrs policy ds cwt4ied as proof d)f
Rrwdal rnpwatiAty hr Me hAxe urMei
The proviahns of ary n= veNde
finar,ciaY respunsib lity la,&, it'ie k nsurance
prov;ded Lis the policy hir "bodly njury"
Hallhy and "pmpely damage Ably Sir
comply, wifl-i the provisions of tf°ie lavv (c)
te e&eM of Uw cown',ige and knOs caf
insurance requiiiecl b,,y, that 4vv
b, Wirh reipect to "mobifle eqLiijDJPi',=,'J'11 tO
vv,Nch this insureince app�iur,,,s )&r, w)0
pravide, any �iabiiuty,, uninsured nlo rjiriisls'
undarksuind mcWrials, nuAT or uRrer
coverage iequirerl t)y any nwtcH, o-,Piide
Aw. We w provide 0re mqWmd Ims Or
Now coverages
4 L,ega6 Action Aga rust Us
No person o� oi,g,iinuzatk)n has a right under
ffiis C,,overage Forrri.
a, To Boin us as a pairly car c,!herMsiii, bnny us
into a "suft" adhg RK dwnages karn an
n)SW,,j (:)Vr
b, lu sue us on tNe Coverage Form uniess
W of its �errns have beer fijH cc,smp1is',ol
0,6 f h
A oir orgriniza[ bn, triay sue us !,,,) Pecaxr
or" ar) agnc,,ed spV, ernwit x, on a fina pudgrnefit
agairst an rnsuiue ta v e wifl nf.4 be qabie for
dwagas "mt we not playattie under lhe$ terms of
Yhis irisurancte or that ad in 4,,,xcess rat the
4 p�k�aL'Jv irtV, or niswance An agireed
se.'Bernier it means a setflemeN and naictaou io
signed by us, the insured and tole
ciahrt,u it cg the cN�,O-riant's k.',,,gal
5—SepaniNon CK Inmueds
Excef,,il wflr respect lc the L#m0s of lnsuranii:;e,
and any ngi'lts or dutiras spec fl, ally �Passignoid
mn this policy to 9hi fld stl il4arned Insurud, thus
hSaWTO "NW&
a As d eaB PMirrmd NowN wwe 1w Ky
Named Jrsured, and
br Separately to ea& inswed agam�:�a whom,
a daim s rnmin ca "sulf" is brought.
6 Repeseiiotaborrs
a, When You Accept Thks Pohcy
By acceptmg 1taus purky, yviii R197'fa-'
fly The a Awernenis in the Declai�ations
are ay"!Cu� a & at id C,.)Iurpkl t'e:
f,2) 'Trose stateirents ay ba�,i!::�o.f upon
napasmavans you made 9) us and
.
Page 16 of 24 D rf
We Nave owed to poky K RWrc�e
upon VAn represm9aNns
b Lln ntenliionak Faiikire To Dksciiotse
Hazards
#f un nlen.ticinaC[�y yuu should fai� 'it) dusi'�;ilcrse
at lozards reabyl W Me con= of yoko
busYness at the rricep tion dts;ie 01 this
Coveitage ParL vve shaIr riot rdeny afry
coverage under Pris Coverage Parl
ofsu&i failiure
7 Other Insurance
If aihei vaNd -and cx,,,01ectibie iriSuur a p '64, r
avajiabb. for a Iciis ,ve coveir d,,inder Iris
(','overage Part, cur are, Pmiiled as
fW10wo
& Pdmwy Nswance
TWs inswartme I pidmay ensp vAen b,
beloun apphes, If otea 0swance is aN)
prinary vve wid share awes1,h aH Mat uVer
Vnsur,arjir;e by 9he method descrbod in c,
beAw,
4 xmss Nswame
Thus insurance A excess over any of the
t0er insurarce, Ahethei prkarr excess
coniu; geirtt or on any ,utheir na,,'ws-
(1) Your Work
dhat is Rre. Exlendod Coverage
BWNwA RNK NAMAWn RNk or
s➢rHar cavarage for >ur awk"
(2) Prern ses Rerited To You
7har f4e, kghg or OX�)iOS001`a
aJjSrjr@nto.Z�
, fi,,"jr riantcd to you
or temporadly occupied try you vvlh
pearksJon ul be ownw:
(3) "renant LaabNity
1 "1 a Wwwwwo pw&awd by In tu
cover your AabNty as as tenant S
11 !o prernisus
qo you �r V-uripoi,90y w,)ccu;Jed by yciu
w1h perrmsson of Pre owns:
("t,1 wrcraft. Auko Or Watercraft
I Me loss adses md I the rnamtenan:e
rX USka of aircraft ",RUh)S" ar waercuift to
time emwd ml nowl W ExAdon % of
I
,;ec!i,,,,iiiA, (,overages
(5y Properly Darnage 1"o Borrowed
Equiparimt Or He Of E%aWrs
If the io.JSS aflj: eS otj" f)f 'Pr(uJ.)Pjrtty
dairnage" Bo borrf)Wed ',,qwprnent or
the use t)P Om vak)iS 0) ihe, extenr not
10 iEX(JW;i0rt tK, oat Sl�(1KXI A, -
cover ayes
Forrn SS 00 08 04 05
(P to Yxi W ATWd As An
Addiitlor4 Insured To Other
Insurance
Thal is othe it ,u availatale
you mjernq, Vioa bdlto, fnii c4 an
arising out of the prernis�,is or
opwahmm, or pmduds and cmpk0d
uperations, for vvhch ),,,okA have beet,
addie,d as eau , addr6oria@ it si,ored by thz�
hswamen:)u
(7) When You Add Others As An
Additional hisured To This
Insurance
f hat is other rsuir,w ice av,a at4e to an
additionai rnsumd,
However, thie Ulomng Diro'),rsk)ns
app0y ir�t 4 q,,eir msuraro,,e avMaUlie
any perscn o organrzatk:)ri whu is an
add 4 o all inswed undeir this Coverage
PWI:
(a) Primary Cnsurance When
ReWAmd By CoMM
1'his insuraince is pnimary if you
'mve ar,.3ree�J in a writlen cr:olracl,
wnttem aqn',,ernen1 or pern*
V'tos ia-swance be p6irriairy, V oker
insurance os also prinrarye, we wW
shaie vMh all th'at otlner insumnic'e
by flie rnefl-,od descrted u, c
Mow
(b) Primary And Nor-Contributairy
To Other Insuirmce When
RAMAmd By CmMact
If you Vaai og"re'ed" ki a wnttulitr
rw'ltten iorerimeri ir�
pearM that this insuraricC "a is
PdMary a:ind vVith,
he adAbnW howeds own
mSVm*" As hummme I s
prifnarro and are mii not seek,
CoMAl."u6cm, frarn that other
msmaMl'
Flwagraphs (a) ainol (Icy ,try ,act adppily Io
Men WsMnov to whah the Whonal
insure� J has b�',,,en aildied as ar
's(fi"J)fionsif
When tr1mis in"'uranre is we vVid
h . (e duty undler lh s Coveragle Flarl, to
edefend the nsiwed against any "suif" J any
other wisuier has as its ,r to, deferd the
,nsured aga nst fl',iat 'swt` �f no othel
'nsurer defe'nds' "ve 'A'11 tinidertake f r10
sa, but w6l t,e einfitled to the kisured's
,ights against al trtoSe !)ttjer rrrs[jfr jr!5
1.�,
Form SS 00 08 04 05
APR 2 U
4Z
SUSMESS UASTaY CCWERAGE FORM
vl/hen this ms'juarcf, is exce er ".)o
'SS u; re o'
mumme, we WO poy MY ow Or= of
flee amourd of the, toss,, if any, lhat
emeeds Me SMI of�
ci) 'ri-�e tutaf an-rourl that ad such o!r ,er
mimance mud pal for the Ws 07 the
Eab$,eilCe Of fl HS ur'ISLJII WlCe and
(2) rhe total of M deductibie and seif
in�iwied armwir[s i,mder ai flrat oft'our
o mme
shme 2he uemainirg lrrss, of any wifh
any )ther insLxzince than is not des( Tibed in
Ns Evess Womance pmvAbn and was not
bctL.0) tip eaf�caiiy to apjpiy in excess of tlIe
Limits of insua m v,'e shown iri, th �
Diec amtra „ of ft s + ovcN raqe Flarl
c Method Olf Shariing
o1 ail' d�i-" cilher nsurarl("e 11) :" r il S
CWrViWfi0i� t eqUaP s1rajes, se Adll f1')11G)Vv
t4'-us it ethod aa6rrc Under this appmach,
exh nsurer confirp' ,1i,iles equ all aMMVIIS
untfl �t has pakl its applilcabre limir r:J
insiurarice c. ' rl()f)e iof the 9ioss, remains,
Mchever comes NrM,
ir any, of the does not perr6t
c(��nfrlbUfi(Ai by ShWeS� ii/e WT
r ontr) bute byNrn its
insurier's share is based on the ra6o its
agapiuicable unit of Ansur,:)nce to thr? tr,,tal
Dpf!flicatle limit:.' cf rrsufance a&I it surers
8, rransfor Of Rights Of Recovery Agaiinst
Dmem To Us
a 'rransfeii Of Rights Of Recovory
If #he iimnured,,' has: jlghfs to re;,:o�)vea W u)r
pa", any paytrj�-'nt�
a4 includ�,,�g
Suppiemenlary 1--layrrients, we have Ma("e
tinder dos Coverage loan, those righk are
tiansfe➢ed to us The insuied ntuM do
nath(tng after, icss mr 9hiem, /k� (Ao
ref. insur(,1 vtd9 brrrg suil" ory
Jij()Se frjgtrtS to:: us and heip us
enforce them rfrus con(fi0crn does rcrt
appiy to debtor a4 Excenses Ciove rage
b. Wasveg- Of Nights f Recovery (Watvipr
Of Submgahmi)
!f lho- insuied ha$ iM.3i'Ved -,Irly )ghtS Of
recc,wery as girl ary person Or
o gar zabon for M or part of any d,rayotenl
incluiding supplerneir'fL'v/ Payments, Vive,
havo made under, this Coverage, Part, Nt�
al&�) mauve that righ! pro0lied ,nsur�:-,d
Aiwvecl the if rlght ,, c�f recovery agrs
,",Ao�
SUCh p,�,,,rson q organizarion rn conlract'
agmemeM or penal !hM was "ecumd
phr No Te ilwy or camage
Page 17 of 24
A
BUSlNESS LIABRJTY COVERAGE R)RIM
F, ORTIONAL ADDITIONAT INSURED
3 AddiHonal hisured .-Grantor Of Franchise
COVERAGES
'A/H() MS AN �NSURED unde� C. ps
it k5d or show as qMkaNe m to DedwMons
arlendt-2d �o �nckjde insurc!d
(" 0� Mlorp of the folk""Aor"g Opti,'��na� �Ndditiv)M
the pf-rscw(s) o� orgw)�zal�on(sj s1'-%)vvn �n the
&sued Covemges Aso appa lOwn mW of these,
DeQrakns as an AddAWY0 KwAssi
Optcx4 Addtona� Nisured Coveiagt,,s app�y,
Of Franch�se, ljij� on[y vMh
DwajaO� 6, (Addjtiona� lnsureds ')Vhen Requ��ed
ihe�r jabl�ly as ',.;rantor of fiancI6se !o you
by, WI'Men 1101vritten Agreernemt r:g Pe r6't)
Add�floviaM Mnsuired - Lessor Of Leased
of SwAon C. Who Is An Insured, does nM appQ
EqWprnent
lo dw pemon Orr organz al6n !0aown in the
a, O)HO IS AN INSURED urrdea Section C. xs
Deckwallons. Me cwwaps am suled to the
arnendeci to rd, iudu�, as an additv,�,waV
Kato and co;WNY6 appkabf to Bu§r"s
insured the person s) or oganfzation�s�
Why Vvemge 0 Ja polly excq t as
shooin urn the, Deckarations as an A61&onai
powded tebvv
nsured - Lessor of Leased Equiprnent,
1, AddMonwl Nsured - Des gnated Person Or
bw ody 'W Mw MOW to WHY or 000y
Chgandaboin
Vn y" "pn)pe�rly r"darnage" or "[Jerson4
'PiHO I S AN hNSURED under Sect'ioi Cm is
and advertising an ury" caused, l• whode or
am,ended to anclude as an ad6banW �nsiured
urn pail, by your n4intenance, crpeiialdorr Or
,he person(s) o� or��;an�zaflon(s)i ,ho n �n I ),,
I W �t s
use of equip.'lment �eased to you by siuch
De(,WW�ons, but cn�y with respect V�) �iabfl�ty
I,'ersorr(s) or organizaticn(s�.
k r "tiodily inpiry", "�Y'operly damage" oi,
b fif/oh respect to the Osuiance aflorded W
11 personal and adverl,tlslng njury" c.aused, nn
VYese aJdftionW insuri��Js nh s nsuran( e
whok.,. or ki part, by yot�r aet:S (gr ornlssMons cir
d'oes not app y to any "occurn,,nee" dihir,Jl
1he a0s or �.�m�ssirms of fJ'rA)se actir�g on yc,,�r
takos �0(.,,e after you cease,, to iease that
oehaff
w1ulmeM,
a ki thu, perforriname 0 ymy oNong
5. AddManW Inmved - Ownwrs Or Oths
apemlonw cor
Werests From Whorn Land Has Been
e �d
b, V n onnef.lrc)n vvilh youf pr ni�ses ownt
Leased
by or onled W YOU,
a, WHO NS AN, INSLIRED under C_ is
2 AddMonN Msured - Managpirs Or Lessors
arnended ° u nc"Juale as zu', adldktiona�
Of PrmnNes
nsu�,&J 0ie rperson(s) or uugewuzafion(!s)
shcwn nn the Declarathorrs as !m
ra. '01HO pS d*,M pNSURED Yxdeir Se�cfion C, is
Insured (),Atners Or 0phe, Interosts From
avnende,d �r, �n('Iude as an addibunM �nswed
10)hom Lar%J Has Been LeS,ised, hur on y
the Main Or crga6zafionf's� shv'h"n n V'e
vv�flh mspect to �abHity ansing out of rhe
as zin insifl'��d
cwnetsh�I.'�, vn4ntenajrCt� Or USe� of �hat pwl
QWd Pwam Or agmAWKv bW Wy
of 1he, and' B eas(,A to you and shov),(n in th�
WAh respect lo wab lity Ansir(g Out of the
Dedarabons
owneishp rnain�enancer,)r use of 0',iat part of
Me pwKwas Wask v jui md sMwn 0 We
t�e' to p
Dedaiations.
hve Kdtwa! twos% he Qbwq;
4Jdi02na4 excIusions app y
b. te akmkd
tese acidMflot,4 Msurods, fl'�e f00(,MM111(7,
This wsuranc�,, does not app�y to:
iddifiorv'�� exinis,)ns apply
/A,n( ffiat tzike!!; i�flw,,,e
Tlis s unsurarce does ray ap.)ply to
ak; yuu cease to lease that Vand: or
(1) A rry 'cccurrence" whK h takes place
(2) Shxtu4 aRuirabons, tl W'1141
after you cease fi,, be a ti�.mant m lhat
canstrrx6on o demr,)Eicw,
prenisesi ur
pm son or ugahn5wn
(2) shudwyl a�teraUons. re ',A,
6. Addhonal lnswvd - We Or PoUbmit
don-iolition
)Ubdiv s n - PermRs
perfunned by or cm "oieh0 of sud)
pemon or oqaAzWhn,
1,,VH0 11� AN 11'aISURED under C, as
xnende,d, to nclude as an adrfifiunal
lnswe(,',d the sWe cr :)ohtical subdjv sron
as ai� Addltjonal
IF, N'T F4, aP D, -
Page IS of 24 X,
F%nn SS 00 08 04 05
'ev
BUSINESS LIABILITY COVER)%GE FORM
Insuied Soa e (D FIcAtv,,iii SubdV+ik"i ' -
(e An'�' �ailuir,w Ir,) rnake
Pi�mits, but oruy' AAh re'specc lo
rrtspeoticjns,
peifoimit.IJ )rO�) W, or� Your
senik-,�rq as 1}-�e vendor ha agreHcf
be "waff hrr which the State of po ihca
ri anake or norrmflly undertak ,,s to
sAdWwOws Kmmd a pwmt
rmke 0; he usuW cowse of
b. rWith respecl tc the wrourance affro-6-,,d ?o
bubvl S'S' in connecI�on VvAh ffie
Oiese additkinal insur6.�ds, the foflcivOng
dsvibu ion cr sa� e cdf the producfs,;
adiJI iunaf eXCWS�ons app,ty:
f Dernonstralion ns, aflatOc"'n'
PCs Onsurance does nW appy W!
sg in mpWr cqwaMns,
�er�i'li"flrY
xcept such ralions perficirmed
(1) "Bodfly mjury", 'pricpe�ly d��'ivnage`
t Vhe ve,ndor's prem�ses in
peir-'.ona� and rrdved�shng injury"
conneck,w oilth the sale of
arising out of performed for
PM &W
(g) PralwN wh0h, aqw IshbOW
(2) 'Bod�y irquiry"' oi "property damage"
cir sale by you, hwoe been labe�ed
or cluded in "j)jr)CfijCt_COjrjjp egad
or rebbWed or used as a
operabons" hazard,
cc'mtaIner, part ci0 nqi edfient of any
7, Add6r)n•f hisured -'Vendors
cohei Mmig cm subsiance by cu for
a VP 0 GS AtI lINSURED Undeii Sectoisn C, fs
wie VOM or
arwo�nded to inc,�Ude as an add�tiurra�
(h) "BodHy dnju�v` or "properly
nsuged the person(s) oii organ�z,.Oonw s)
d@VT'Uqe" ar�sh,,g out of the sole
(refae'jwJ Pk) below, as veiridor) shown un the
negNgence of the veridlii,)r fca it,��
[Isrcljrafions as an Ad&ilonai Vnsured -
mwi ads or omhshns or We of
Vrand! ii, onh, 'hv&h respect tc "bodfly
its ejrnp�oyees or anp!)ne er se
on uiry" or "prope1y darnage"' arising out Of
ac1mg on rte b�ehad: However, thti
"your products" whidi are, di5lritiiutect c}r
exchasurin dc)es r ^aaaP a"m;Oy to.
O ln flre wegiular ci!)wse of dre veindor's
e)o��ptk)ns contained +n
Aar Yea arid c,�rflV �f 1-iis (,overage Pmt
Subparagnaphs (d) ci (Q w,
rovdes covemage tor 'Iod1y �Fyu�v" or
Iprcq��eily damage" lnckiiIeqJ wrthin te
(H) S u t!" h
" pnoduii!�#S ccirrip�eted opeiiations hazaid"'
adpuslmenls, tests o� Servic'mig
as Te veAm" "s agmW to
lb. Tl,e insurance afficided to the veirdor is�
iirakb," or riri✓rmaai' LMclertakes
suL'yeil. yr flit, fogowing addOionaR exclusk)ns:
to nake h Me usuW cowse of
(1) TNS Gm;uriim!cr? dt)( 6 riot af)Ply' to:'
bui,:ness, ii, connection Aeiffi
-a) 131odIy' in)ur/" oi, " pi rr.) p �,, t ty
the distril.iulnon or sale of
M17,1111ge" for whlcri the w,,,ndor �s
p, rci, d i � I s
Whigated to pay dan,jes t4e
Tfus insurance dous mw apply to any
reason d the :93sum[Aion i;f
wwwail pomm or WgWZW&n hOrTI
Why in a conowl or aVvement.
whorn yi!`m, have acqiijiYed su&i
Ths exdu5ion dcies },:,':at ar�,�p�y to
pro,iJw,,fs, or, any iriigr eclient, pwf, ct,
hatohty rrlr damages that We
contavier, laritering irito'
vendor woU have in the absence
i'lccun'qmny�ng or ��oi'IIOFi;nang sw"';h
0 "m ormiWact w aWewmU
PmdUcI5
(b) Any express mwwqy
S. Addhon;W Insumd - ConWhng Womm
uriauthmized by you:
,iVH0 �S /�N ltJSIJFRE') wicler �-,,ecticm ' i
C, S
(c) Any or change
to indude as art a(160ona� m3ured
in the pmduat made rRenhonaHy
perscw(s) or uryamzalfcnis) sho%iin in ihe
fl lea vervlor�
DecLarations as an AddiPicmaf lrisur�so
(d) Rupackag0g. (111�eSS LWPad',�Uf
CoritndHNng fnte�em, but c�inly vilth resped
snte�y lor t�,e purpose of jrrsp�eufion,
W; mboy amog 00 cit
k,!s'Llrig, i t p i �-.,
a, Tht-,,O t,nario,al cxoritrolofyiitu,
oubstitulon of pairts, LMder
b Prunises they omL maktan or conou
nstn,dions fr.,'nn i-nanufacturer
with you Wase w occupy Mesu prernsus
arid Then repiackaged wi the
conUmnur,
E D
Forwri SS 00 03 04, 05
Page 19 of 24,
wallf
BUSMESS WBIal COVERAGE FOMM
Me onwame does not appQ to shtwhasl
0erations nevi c:onstrucfion and dernaM c' rr
cymbmm pmAnned by or for that person or
organizalion
9. AddMonal Ksured Owners, I-essees 0a'
ConitimMirs SclmdWeld Pemon Or
Organdadon
a ME IS AN WISURED undK Won Cds
ammked 4 KdWe as an ad?hM
urrsufed the persisvi(s) or crrgarjzMjc,,ii)(s)
shcmn in the Dec,4-afions as an Adc91fioi4
dnsured .- Owner, Lessees Or Womdom,
bu'f orr�,
y vi,,0 respec to N,.!�tnhty for "','lodily
inpwy "propert,,,a darnaqa " Or "persunW
w i d adveTtising tntury" caused, in whde d:)ir
in paM by ymH ads or ankWmis or the
acts ur of flrose acl,dng miry your
bAW
(1) dTr the performance of your ongoing
opeii,ations flur the additional
Ammemsy or
(2) Nn conniemion vvfth ei,ork'll
pedbrrne�d for that addaocvit insm'ecl
and induded sviflrin the `prodrxls
ccmpUeled rape atad;ms hazard", bW
cifly if this Covr,, age Flairt piiovnIes,
coverage fc)u 'brrd,�ly injury" otl
Puoperty clamage", n1clucled vvithin 1fhe
opemkins
hazard"
b pjjCa to fl�
,,,e idcjiiii-ionai hrm-xeds, this �nsu0rance
does nd appdy h) 'bcdl0y r,pury", "prcpli y
clarnage" o) 'perscn)aI an adve tising
ari7,ing out of the iem,,Jerdng c,,i, cr
the faMn� t render, any io0ofesshir;W
ai rnq suit
,emir e,s, or uding:
(1➢ The pre°wparu irg, ap ,rrovirg, or fiaikxe to
pare, pare ur appmve, rinaps smop
d avlvings opk)icns, repcmis, 5ir,,cys,
EAd Meov chmge udw& daQm v
clraw n )s arid srecifications� crr.
(2) Suimvisc�ry, inspecfion, mcJr° tlectural
oll, elnrjuneeming activltie'
11 AdMonal WSUfetj - Co-Owneir Of fnsumd
Pre Mses
WHO VS AN uNSURE) under Secbcxi C, �5
amended to n6ude, as an additionad iaasaurarsd
the personash or (',rgantzalk)n shown in the
Decharation5 as an Arlclqk,,m4 dnsun',xl Co-
Owner Of linstued Pruirnses, but oifly mth
respect fc, Pheii iiaNr0id'y a", co.crwlnaa cif 9re'
pmvrses
, shiimn n llhf,r Dea,lwatk)ns
Paue 20 of 24 W ET RAM, 'I'l)
. .... .......
BY:. . ..... ..
the WMIS Of Mistuame IhM EM 1'y to addliuml
insweds are Marko W Satui M irnls Of
Wisimence.
h4w M inuxance apphes when other mwance
tis svadat e la an addit'ic)r,al M5UTed is dlesciibecl iri
the CHher Murance Condiflorw "�+ n Secticw, E, -
-�kOty Arid Medica! Expenses GenerE0
cadilmls
G. LJAEULFTY AND MEMCAL EXPENSES
DEFINITIONS
t Advahsernent" is he videspread pubhc
disseinination of infointatton or onnagvsa rhat
has �he r,-)urpose c,,t imludnq lhe saile cif gcxxls
pioducts cir servk,,es through:
a.(l) Raclio�
(2) Tlevlhn;
(3) ElHboard�
(4) Magazirte,
(5) Newspaper;
b 'The hlfeme'�, but c0v 0ia9 pait of a web
site ffial is goods, produc,s c,,r
services for the purposes of wid,,a! ng the
saW of goorhn pmduNs or salcum v
in Any oltlaerr ptatAcMon thal as 9i'ien
ramdespread public distribulhon
Hcmever, not in dude
a. tlhe jesign, printect nvv9iisr4, infloernatiori
cs miner
es 0, or, or upon tha
piackagmg c)u labeknq of any goods asr
pircidluc.l (.,)r
b An 111telactive belvv�--'q) u�
among pi:i➢svis hruu :3h a cvi)pwer
2--Adverbing idea" memis any idea for an
ald,vertisennml'
3, 'Asbestos hazaril" means an expcsive cln
threat crf warp:. )sure C"'D the ach'ul 0" aHugecl
propt,ities cif asoest"),,; and 0"e mei-e,
presence of asbestcis in any fir),run
T—JAW means a Kind maMr veNde, AwWr or
sernOrarler designed for Uave on
Toalds, in�..rL, ,Jirg any all.ac,,hed ri"jac:hinery or
eqwpm, ^axil But ',woo" doe;., rict Oclude
MmAe
5 "Badily ir"ay" nneans pNslall
a. vjary�
b. ficknes, or
c' clsease
su5tained by a perscm ai�d ff arising ',,ut of the
above, rnee¢ ,iil anguWi o! death W w y
6 'Cciven�age tei iory" i vxiElrl S:
Form Sl 00 08 04 05
r ,
BUTNESS LABLAY CCWERAGE FORM
a Fhe UwWd SMWs & Axonn Ondwky as
b.
You hwo And U) WH My la "s of a
N,,ntcines amJ prrssesskonsJ , Fli,�erta Rk:�'r
confoxt or agmemed�
Wid C ar➢&
Of suc el�, can be n.�stored 1!,o use L-FI
b Wembnd Wom or Mrspa! bW only d
a,
T�',ri repk�iCtNT�er)t- or
the ln�u�y o� darmage ar,'curs m the course
rerrr��va� cJ prc,,�dulcl" or `ycmr v,-rk':
of travet tV ac,,3soy+[a1r)r be vlieevl Ary,
iW
PAces OWN h a, ablove
I
Your hANAg W twms iu� Te mWal Dr
c NU Ahler p,'vls; of theNo0d dl We injul)ll l�� r
agnenent
*
Jairrtlag;,vis,es out of
12,
me,',ins
CAccols or pnoduds nmde or sdd by yor,�
in Hie lWay desalbed A a. abova
a
A convact fo� a �ease of prem�s�,-,,s
� toweve"r, tat port�ori of the Contract N; a
(2) 1% achvites of a person %whose hame,
Nease of plemilises kvdt,'rrinifles any
is in ths, tell descobed iry a.
pwson or aqlanaMun hr damage t. y hN,,,
above trul is aviay fclr a short tilne on
lightning loR ex�!ksv� h!) prernises 'Nhile
your business: cir
raled lo you or Snporady cumupied by
"PersonW and advm%ng Quy"
vou w4h pelirntl ssiorn r>f the is
,jhtense,ca that take pdace thn!,ugh the
:';ubject to the Darnige R) Premises
IntmW or Ambr ekMoNc mews of
Reled To You lirnit ds,-,'-;crlbed in Section
COMMUlricatNorr
D , Lmbility and Pvle6ca� Experrses Urnts
pio)v declj the Vnsured's re brx!mstikty to pay
y
of Numnce
damages is d et, nnrim,�,d ,n the United SWKs A
I
A AcUmmck alvemeril,
Arreoca (inr"luilng its ti r6ltr4ies and
c,
Any easernent cx' ik���,',nSe agrnenl'
Puerto Rkx, �� Cail in a
incil.lding an easellnent or Ncense
�,Ut" on the merits aixordfirg ti�D t
agree�nent �n �,-arrnec�k,�lr v0'i cry )structoof i
sutstantive I aw in sudi t�:,,rr�tory, cv in a
w �Jerroktian oj���iratians or, c.r willhm 50
s5hemew WS agn. �o
feet of a Waal
7.
"EfMonc dMa" nwms 111tmmMQxM0S m
d,
iky oNgaimm as mqWmd by Wmwve,
pwqynrls�
to indemnify a fnuni4Jp'flolv, except fn
as SOW as or urea
con rile c6o8 tl vvlotvo/ork fnfr a rnunlclpaWy„
I CAW ix used ory o
An ef"Wr mialvasme aWermMor
C , rsansrnitted to ar ficirn
t.
.t.ti.aP N.) ,.'t 19 my OMM Cay"d M
includmg sysk"Ims am"!
af�-
jret�arTrtrN peT4ning tc) your
sciftvvave, l -lairl a Qopi:n,° d�sks,
ar) of to
CD. ROMS tapes, Caw (,,,s, r�,eds, d'ata
rrumci�!)ai�'�y in wot', &ork
pin-,,)1cessmg dev�res or -any uter r-nedla a,,'hjch
pe,,Iorrrjed fcir zi mijnkJpaWy;l rmde °Mrich
are ii,,r s e d with e ( e c f t u n i c' a J I c4 n l rrr (I r:J
ly�';iu assurne tr"(,�V iort bat°J0ity of ancIlier
j"
equipment
parly to pay iiizVr lbirdlk/ qury" or "pmjp�:C °rly
8,
TnVbyed' wdiaNs a "Amed worklm".
darnage" zi lhiid pem sari or c)rganizaN°m
"plaperly
"Ernpluyee" does rm sR oiclude as "lo'mp(,,rary
provrdled the "bc,,,dily in� xy or
WOMS,
dall[TN"Ige" xS r,,,"iused, k i or part, by
gyp.. ou or by M03e Wit, on your behall'
I
Exemblve diter meaw3 a pemon Wring
I c�0 �i�'�ib,lity rreans �a 0ab0q',,/ fl'�at vunulld ktt
an, y cjlf Ure offk�e�� poslt,ons oeWed by your'
rnpos ,d by av, m the ribsrS.' c of any
d,lafter, constrtu¢Vcm, by-N-vqvs iii any oflrer
conhact or agreen'i�V
svnilar govermnq dsCjj'jjtla�lpfrr
Paragrapt', V �nckjdes �hn� par� of xi��
10.
"llastile fire" ineans of vihich t",eccmmes
conttact cr agreernent Iriat, ndemrr�fles a
wassQuAbb or weAs aW ham where it wm;
ralihroad (cr "Ibodlih,ll mjuin/" c'�r
lllltai1sJe,,,'J to be.
da,,-age" ara;rng oul of or
It
lapNed (mpwy" memo WjUe pnqerQ.
devn,-Ation -,pperaficms vohln 50 feel ,°f amy
upher "h "vr Your or li, it
$.f ad prcj,1,e0)( and affernng any mflnrad
carrot be used or is Us vaeful because!
blidge n Vresfle, oacks, 4,J aa,t beds,
1% "yodr cir 'your vvxk'
unoeirj�',.a ss or cVos3ing
�rir:o s kriovvn or fhr, k,ghl lo be
�irrvvev�-,�r, Pu --iragraphi f, ricfl[ lnizludc�
irtadeqwak Ix dangeocus 01,
hat p;,,rit any contrvl or
TIaI N 017 E,
Fo"n SS
00 08 04 Q!5
Pago 21 of 24
A
2f 6 Z Q 6
I ILI
SUSNESS LASTUY CCWERAGE FORM
Val drdemnles an amhkct
engmeer sw,veyo�, k)r 0 n ury cv,
deniage an&g cul of
(a) Frepayiy�q, or fa1 knq k)
xopare o; approve rnaps, shop
dravifngs, irl,) wmns, i f�, p r:> r '!S
swv"v HeU ords, JwTe
ordefs, de&gns or dr awinqs ar)(i
qMahnown or
(b) Gong dJoect�orrs Or krSt1U(Ji(Mi',,
or Admg to gRe ten A W 0 the
pnirnaly cau',i, oN the ir%Iwjy o�
dama, or
2) Undej� which the insured, If an
an,,hil,ecl, engineer Or surveyw,
as;s,jmes hat-,,�Ikty lor an injury or
damage ahshq oW A &a maweds
renderVng or faflure to render
prcft- ssionat sEa ndces tlnckxJing 'hose
ksted In (1) a,'0DOvr, and SupwWary,
inspecfion, an-Jtiitectuirat or
e iginee ing actvitues
11 leased v✓orke�r` mre,"ans a G,Jersor) eased tc,
p,-,ru by a ahor ieas rrg firm under as�
qpnernent between you mid Me labor Jeaskg
ffr!n, to perform dutJes n,,Wed to the [',onduct -4
"Leased Ac0i,cr` does not
ncl,,de a 'tenp,)rairy v,/r rker"
IC Toadrig or unbwWj" mearm am ANUg of
pr0pCTQ
8, After f4 !s nroved trot the pla,,-,,ewhere� 0: is
aLcepted for nvrvem nt Wo or oirtcr an
haak WMvCMR UIWAQ
lb, Vjhde it ie in 0 or I an alr-,n-afl, Natercr��Itll, m
ARan or
c. Whde it Ns bekig incr wxJ from an an craft,
wawmmN a OWN to he pam Here A is
QWy dekvemd;
buf 'b&Jmg rx urk)adirrg" tJoes n¢)t the,
nv�)verircnt,,,)f xopeirly tt,,, rn,,-,�mG r.tt ru 4'necha6f,,4
deyr e, other itI•n a hand Truck Uiaf lap not
av,ache(l Vo air(,,,.raft,),i(aiercraA rx `autc',
1 %hAde eqwpoww" mwws ap of the fodcivvia Ig
Vyp es of ;and wart hes, Ilst,l,asdwg ary aflachi(iad
maddriel or equpmei it.
a. BWUozws,fxm maNwey WhAs and
oh err veNdes dengned ITY use phrrcipahy
A puhn rca=
b."ehrdes nwhiM&W for use soWy mi or
next Vr Pr enrises you own w ient,
C, Vehic,[es 01W tr,,avep on crairder "'ezvjs�
(L Vehdes v hethe, sO p „,-c,,pc0ed or not, (�m
,qvN,,.-,h ,a,re pr, rmaner6y n-,ounted
Page 22 of 24 E N r Y,R- -F--, 1?.,
Z p 9
71
BY':
u1) P o,,,w' ,, 1 ; ";V ane i loaders
ft ggers or drHA or
(2) Road !x i, S i r c t r - t or reisui fa.crr-g
eTApnerV ash an Wadem.saapws
W ldcm�
e, Vehicles m,,A described 0n a., b, c, o ri,
atime Wt mB W seTpmpded wx! are
rnalfitaineri primardy N� prrrv�de mobthty to
perma)eritly attached equjpryrero of the
fidhwuig lype&
(1) Aif = ri;!ir eissors, pumps and
generatc)rs, sprayNrIg,
,oi,eldcng, cIeanoq
geopysical exphrahon, HjUg and
AS sw0mg eqlpment w
(2) Cherry pckers and simdar de-Aces
used to rate or bwer wo*=
f. Vehttes not desi.,nbed m a, b- c, or ct,
aLH:we wawla�mx' pr,mxdy purp4>S(ei
c1her Man the Tansporahon of persais or
Camo
Hcvvevei, scdf propefled aehic�es imth
fir)Ho,A.m)g iyp,,s of perrinanionNy a4PavJled
eqWpme;1 we nW "moife epomeM" Wit
vii I p bc, consilderef.1 "autos,”
(1) Equpnent, at 9east 1 000 p.,n�wnds
qmss veh0e i,rveight, le,!Spled
phWaNy loo
(i) rerroiiaf,
(b) Road rnawlcn,annx,,a, but ri(A
(.`oi�" tiucbon m'rosurfac, ng (.,)r
JX) Welcummig:
(2) Cherry prc:kes and sirtiHar de,Jcies
mcnoved on auSimW or Inuck
chassis and, US(3rl 10 rasc, oir ow,,,r
mWery ard
(3) X (u:�rnpPessai,,3, pun"ps WIC,
q e "') e, r a t C) I, S ir)CkAm") s Ij i a)"" I rr g,
Wd --fldmq, buh(Dng ke a n I 0 I g,
ga,opht,s a' expkd ,oakioi,, lit;: ,Arng and
%,,vefl sen,,lmrrg equipment
rlleans, an ac(Jdent, fnduddng
( onihm,lulus cb repeated cxposure ki substantiafly
Ifiesarne genr'qefl harrrifO
17. 'Personaf and advess"ig iQury" meww,Nury,
snc)udn g ,onsequcntW `bo�Jdy �npay`, ansRng
nu, 1 or nrare of Ore k,�iivnwq ortl'enses
a detejr�jon or ffrpVr-,',O iTAN]C
Pa pmsemhorr;
Fomi SS 00 08 04 05
C ThQ vviorigfui evlck)n frvr v,ir nghd enh,y
intro, nr irvasik-)n of the rlghl it pnvate
occupancy of a roon), dv telhrrg or
prenises thM Me person occupies,
cwMAd Q or on belad of IS OhNner,
MAN or lessor:
d, Oi,aN, w0tun or aoirtron c put,,Hcafion rxf
MW Mad sWeN or bOs a pwam ar
organizabon or dispara°.,,es a person's or
orqan zalron's gc,ods, prodJucls or senocies,
P, ()ral, vailteirl elect%x c pubkcatiun of
mat&,4 fl'ial viclales a persori's right (.1
piI�,acy;
f. Copying in yow adve6semenf`, a
pwsols or oqankakds ldveiting
idea" or i!31yNe of "advertisernent";
g whingenem CA CONTIN sbgav CY hie of
MW Way a aitv" wow 0 yof"T
adverfisery,,W c.,r
or hL.,irnthabt!m that resuHs in
Qry h the feeknigs or inputallon of a
WN pemm),
W7AMW rtmarrs any sid, IregAat gnaws or
fl,en,T4 e mtant c)r contammint, OcUlqrig srn(Cke,�,
apo socit, fumes, ai!As, alkahs, chermcats and
vvasle Wast;e inck,dles nratenakz to te rec,
ycled,
recomlNx,ed or reclaimed
'19, "Prod s-<; xr pR en�ed opera Nons hazard"�
a,dl 1xxi�ly njury" arrid 'pror,,)erty
damage' f,")ccurring a,,vay IPorT, p!wrrseS
you mtm or rent arid, ar�sirg HULA OF "Y'ClUf
prodw!T' rrr 11 y(JUr a w!, rW exi.ept:
Qt PmMxN I", am sM tin yam phpwal
possesson, or
12) Vikaik dial has im! 10 been cornpelvd
ca abandoind OWNever, "your vvwh"
YOM deemed A be compWW at the
eairresil cI the fa,10viving tirnes:
a) VVhen aNN tl-,�ra work called br n
your contrac has been corn p eted,
(b) V'Vher aH of the vvod to be daine a�l
turfs, pc b sfle Mas `)e(.-r1 CC)Mp) ERed J
YQUf conoarr:,t caNd s fi,,,,r ivi�ark at
mom tan mm ph Oe
(c � VVIien lhal parl, of the work atc a ", at
as pob s4e has tfeen put ti�� 4s
rtendetd u.3e by any, ci�
oTanaMen Mr tan amsther.
CWTUN cr MOM=
Form SS 00 Wi 04 015
1E, N T E R
BY:
BUSINESS U,A6R.JTYC0VERAG,1F FORNI
li'vork that -0 nay need sfaiVr!x , rnaintenance,
corred(un, fepan or HepflacemeM, twl
Mwt a Wwwoe mmpleR ad be
teaWd as compWNW
he tody Quy" or Japely danage'
rr,lust occur away ficirci ppremt see y�,,u own
or feet, artless ti,our bu�s: rress ncJudes the
g, hain�!J�nni-
,) c�r dist
sellin ributiron of ",Y'our
prodUCA" fM' CO(ISJJWY,A�CFI 01� p)9'eW1Se$ /QIJ
ovvn or rent
b Eiu� ., a ilOt ffICWde ]DUCHY rljUr," iDl'
11 p! revel e1y Jamage" arising out of:
(1) The transpertatVon of prriperl,,a, u6ess
Me PAwy or Mmmige ames oW of as
agollon K or on a vehcW ing owned
or, operaIed b)d you, and lhat cordlicin
�vas crewed by the 'Iaading or
unk! ading'' of that vehicIe by arry
Mced; uir
(2) The existerce of tools, umrrstaHed
equipment ar abandoned or VWSaid
fnaWhIs
20. "Propely chinage" means
a. popow Alwy W KIM pmpwty,
im,,iudirrg our resuR9ng of pxse ;�J 0-, �o
pr()pef`r,l . II such ciss (,o use s all be
deemed to accur en tt,e ih(a
physjcM inn ury than f aUSed 1, Of
b L.nss of r!!"f tangitfle prol:ve,nty that s not
physicailh,, ripu!ed All sucb,, los ; of use
shall Ue deenied ttn o+rxur W 6ma?
Ma ixrence" that caused t
A!.; �u sed in this Mata" is
nW 1xigbVe p opmV
21 suir rnewis a cQq prweedmg or vvn=
(da-flnages becw,,�sie of 1)oddy 'properlr/
darnage" or "peisonaN and adverilsing iqury`
to vvNclh it insulance are, ak,,-ged
in dudes:
a, An arL,,,Waf;rpi,C pf(�eceedjnq 4) A/hicl'! su,::h
J ,Rue C aiiTload and °'c which the
i^,sured musa subm t car dce�,,, submft v,ijth
our conseil or
b, Any other afte,,nafive dispi,Ae rumAt,oiur,
pros eeding in vv) -xh suW h danr)age,,,,,., are,
rairned and tq,,a .vhe ch the iMUred subpmas
m�h ow oCnsem
22. "Temporary w,:vkeK' means a penon Wo is
fijrn i,ed v,,,, yoi,a substilule ',,br a penranenr
ernp@oyee" e,�n eia`,ro cn to rneel si,,,,asonal }r
tR r71'60rk a4J cu drl uns
21 "VArMe"WeC mews ape an who
x AnsymuMmOope
Page 23 of 24
BUSMESS LABIRT CCWERAGE FORM
I DunaWs KI a her, awk,
c Acts ai the directj�on o and vviVrin :r;e
scope of dmhes dek,�ii mij-,taJ by yrlu, and
d, ps nd paid a fee, sa�ai,y or id rr
orxnpensat 1n by ycu or aN yan e. r.flse, for
thil'M WC9*' pee l, ,flrlE:dl
24, pr�)dlk,jcr
UK=
(1) Any fp!)ods oi products, rAhc� rh,'an reaW
property (, rnarriufaclufecl, sclld, hand ed,
dsthbWed or 6symed of by:
(a) you;
(b) OWs WNg wKer yow name,
V,
(c) A pemson or organization vuh,,ose
business cx asseN you have
acqu�rpd; and
(2) Contxners (afl �e than vehicies)
rnWenaWs, h;rarls r)r, WJJti rn rent
fu'rnisN,'d (n conrrecr�crr wvW Such
goods or pradw��ts
I HAW
Viarrantoes or repr�.sentations made, at
any w#i re, specr lo filr ess,
q,uaHy, dUr,'Ii)liWY, pe fnrfn wc(.' for use
o� 'y�,iur product" and
E, R ro, 1.3
Page 24 A 24
A P R 2 G
BY: �",
�2) The prcnorAng of oir f,"Wurer to, provk1c,
mamhgs or &Vunhns
Dc,'jes im,,h1de VCMJlV�j TaChIM 'S (�f
,o,0-rc, gr�r oWr rr d j'ented tc ou ho �0'("ti
me 0 0TWS bw no Sud
25 "Yota wcW'�
a Wans
il) VVcirk of ciper'Acm-, performr, l by yolj
m im yam bAy? amt
(2) tvlatenaWs, pads c equiprn,,,nt
fu0s.hecl in vviff, such work
or operalons
4 MdUW
(1) vd ananCe; or rinade at
any Ime wit respect to A hiress,
quaWy, duratAay, perfarnanj,. , or 1'6e
W Imn woln and
�2� Fhe� of or hc0u;e,� to
s wammgnudOns
Form SS 00 08 04 05
r
n
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
EXTENDED OPTIONS
Policy Number: 72 WEC LIR3783 Endorsement Number:
Effective Date: 09/28/15 Effective hour is the same as stated on the information Page of the policy.
Named Insured and Address: WESTBOUND COMKUNICATIONS, INC.
625 THE CITY DR. SUITE 360
ORANGE, CA 92868
Section B of this endorsement expands coverage provided under WC 00 00 00
Section i1 of this endorsement provides additional coverage usually orally provided by endorsement
Section lh of this endorsement is a Schedule of Covered States.
You may use the index to locate these coverage features quickly:
SUBJECT
INDEX
PAGE
SUBJECT
PAGE
2
8 Part One Does Not App4y
3
2
C. Application of Coverage
3
2
D. AdMional Exclusions
3
2
E. West Virginia
3
2
EXTENDED OPTIONS
4
2
01 Employers' Liability Insurance
4
2
02 Unintentional Failure lo iDisclose
4
2
Hazards
2
03 Waiver of Our Right to Recover from
4
2
Others
04 Foreign Voluntary Compensation
4
2
A. How This Reimbursement Applies
4
2
8 We VV01 Reirrburse
4
3
C Exclusions
4
3
D, Before We Pay
5
3
& Recovery From Others
3
F Reimbursement For Actua! Loss
5
3
Sustained
3
G Repatriation
5
H Endemic Disease
5
3
05 Longshore and Harbor Workers'
5
Compensatior, Act Coverage
3
Endorsement
SECTION 111
6
01 Schedule of Covered States
6
Form WC 99 03 03 B Printed in U,S A (Ed 8100)
Process Date: 08 , D 0 2000, The Hartford
7
Page 1 of 6
Policy Expiration Date: 09/28/16
q,
PART THREE
2. How This Insurance Applies
K
4,
SECTION 11
PART SIX
Transfer Of Your Rights and Duties
C. Transfer Of Your Rights and Duties of Part 6
(Conditions) is replaced by the following.
Your rights or duties under this policy may not
be transferred without our written consent.
If you die and we receive notice within sixty
days after your death, we will cover your "egal
representative as insured.
Liberalization
If we adopt a change in this form that would
broaden the coverage of this form without extra
charge, the broader coverage will apply to this
policy. It will apply when the change becomes
effective in your state
Form WC 99 03 03 B Printed in U S A (Ecp
E, D
BAP -
2M30M.
re-
Lin
14
If the persons entitled to the benefits of this
insurance make a recovery from others, they
must retmburse us for the benefits we paid
, Form WC 99 03 03 B P6nted in U.S A (Ed 100) E N R.. E D
"4
The Limits of iability under Part Two are
the higher of
Bodily Injury
by Accident $500,000 Each Accident
Bodily Injury
by Disease $600,000 Policy Limit
Bodily Injury
by Disease $500,000 Each Employee
M
4,
Form WC 99 03 03 B Printed ire U,S,A (Ed 8,1007"' A E; F; D
R 0
Page 4 of 6
E. Recovery From Others
F. Reimbursement for Actual Loss Sustained
_this endorsement provides only for
re=bursement for the loss you actually
susta(r) In order for YOU to recover loss cr
expenses under this reimbursement YOU fTIUStr
1. actually sustain and pay the loss or
expense in money after tnaV, or
2, secure our consent for the payment of the
Goss or expense
G. Repatriation
Our reirnbursement includes the additional
expenses of repatriation to the United Slatos
Form WC 99 03 03 8 Pvnted in U S A
BY
H. Endemic Disease
The word 'disease" incluces, any endemic
Pail Two (Ernployers' LiabilOy Insurance) C.
Exclus*ns, eXdUSiOn 8, does not apply to
work subject to the I...ongshore and (Harbor
Workers' Compensation Act
This coverage does not apply to work subject
to the Defense Bast, Act, the Outer
Cortmental si-°elf Lands Act, or the
"Jonappropriated F,jnd Instrurnerta lilies Act,
Page 5 of 6
1. SCHEDULE OF COVERED STATES
A This endorsee -*nt only applies in the states
fisted in this Schedule of Covered States
C Schedule of Covered States
W
B If a state, shown in qem 3 A. of the Information
Page, approves this endorsement after the
effective date of this policy, this endorsement
well apply to this policy. The coverage w0l
apply m the new state on the effective date of
the state approval.
Countersigned by
Authcrized Representatve
Form WC 99 03 03 B Printed r U S A (Ed 8,00) Page 6 of 6
DI