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HomeMy WebLinkAboutTennis Sanitation COI 2023 DATE (MM/DD/YYYY) CERTIFICATE OF LIABILITY INSURANCE 02/06/2023 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). CONTACT PRODUCER Alicia Ziebell NAME: FAX PHONE North Risk Partners(507) 288-7600(507) 535-3130 (A/C, No): (A/C, No, Ext): E-MAIL 2048 Superior Drive NWTransportation@northriskpartners.com ADDRESS: Suite 100 INSURER(S) AFFORDING COVERAGENAIC # RochesterMN55901Pioneer Specialty Ins. Co.40312 INSURER A : INSURED Markel Insurance Company INSURER B : Tennis Sanitation, LLC INSURER C : PO Box 62 INSURER D : INSURER E : St Paul ParkMN55071 INSURER F : 22/23 w/ 23-24 WC COVERAGESCERTIFICATE 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 INDICATED. NOTWITHSTANDING ANY REQUIREMENT, 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. ADDLSUBR INSRPOLICY EFFPOLICY EXP TYPE OF INSURANCELIMITS POLICY NUMBER LTR(MM/DD/YYYY)(MM/DD/YYYY) INSDWVD COMMERCIAL GENERAL LIABILITY 1,000,000 EACH OCCURRENCE$ DAMAGE TO RENTED 100,000 CLAIMS-MADEOCCUR$ PREMISES (Ea occurrence) Contractual Liability5,000 MED EXP (Any one person)$ AYCPP106511910/16/202210/16/20231,000,000 PERSONAL & ADV INJURY$ 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER:GENERAL AGGREGATE$ PRO- 2,000,000 POLICYLOCPRODUCTS - COMP/OP AGG$ JECT $ OTHER: COMBINED SINGLE LIMIT AUTOMOBILE LIABILITY 1,000,000 $ (Ea accident) ANY AUTOBODILY INJURY (Per person)$ OWNEDSCHEDULED ACPP106491110/16/202210/16/2023 BODILY INJURY (Per accident)$ AUTOS ONLYAUTOS HIREDNON-OWNEDPROPERTY DAMAGE $ (Per accident) AUTOS ONLYAUTOS ONLY Phys DamageComp/Coll Deductibles1,000 $ UMBRELLA LIAB 5,000,000 OCCUREACH OCCURRENCE$ A EXCESS LIAB UMB101063410/16/202210/16/20235,000,000 CLAIMS-MADEAGGREGATE$ 10,000 DEDRETENTION$$ PEROTH- WORKERS COMPENSATION STATUTEER AND EMPLOYERS' LIABILITY Y / N 2,000,000 ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT$ B N / A 22-041702/15/202302/15/2024 OFFICER/MEMBER EXCLUDED? 2,000,000 (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE$ If yes, describe under 2,000,000 DESCRIPTION OF OPERATIONS belowE.L. DISEASE - POLICY LIMIT$ DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) City of Oak Park Heights is an Additional Insured in respect to the General Liability coverage when required by written contract. CERTIFICATE HOLDERCANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. City of Oak Park Heights PO Box 2007 AUTHORIZED REPRESENTATIVE 14168 N 57th St Oak Park HeightsMN55082-2007 © 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03)The ACORD name and logo are registered marks of ACORD Additional Named Insureds Other Named Insureds Tennis Brothers Sanitation LLCAdditional Named Insured Tennis Real Estate LLCAdditional Named Insured Tennis Recycling LLCAdditional Named Insured Tennis Rolloff LLCAdditional Named Insured OFAPPINF (02/2007)COPYRIGHT 2007, AMS SERVICES INC ADDITIONAL COVERAGES Ref #DescriptionCoverage CodeForm No.Edition Date Underinsured motorist combined single limitUNCSL Limit 1Limit 2Limit 3Deductible AmountDeductible TypePremium 1,000,000 Ref #DescriptionCoverage CodeForm No.Edition Date Uninsured motorist combined single limitUMCSL Limit 1Limit 2Limit 3Deductible AmountDeductible TypePremium 1,000,000 Ref #DescriptionCoverage CodeForm No.Edition Date Schedule Rating Credit/DebitBMCHD Limit 1Limit 2Limit 3Deductible AmountDeductible TypePremium Ref #DescriptionCoverage CodeForm No.Edition Date Experience Mod Factor 1EXP01 Limit 1Limit 2Limit 3Deductible AmountDeductible TypePremium Ref #DescriptionCoverage CodeForm No.Edition Date WC & Employer's liabilityWCEL Limit 1Limit 2Limit 3Deductible AmountDeductible TypePremium 2,000,0002,000,0002,000,000 Ref #DescriptionCoverage CodeForm No.Edition Date Limit 1Limit 2Limit 3Deductible AmountDeductible TypePremium Ref #DescriptionCoverage CodeForm No.Edition Date Limit 1Limit 2Limit 3Deductible AmountDeductible TypePremium Ref #DescriptionCoverage CodeForm No.Edition Date Limit 1Limit 2Limit 3Deductible AmountDeductible TypePremium Ref #DescriptionCoverage CodeForm No.Edition Date Limit 1Limit 2Limit 3Deductible AmountDeductible TypePremium Ref #DescriptionCoverage CodeForm No.Edition Date Limit 1Limit 2Limit 3Deductible AmountDeductible TypePremium Ref #DescriptionCoverage CodeForm No.Edition Date Limit 1Limit 2Limit 3Deductible AmountDeductible TypePremium OFADTLCVCopyright 2001, AMS Services, Inc. WN CA 27 06 16 BUSINESS AUTO ENHANCEMENT ENDORSEMENT The Business Auto Enhancement Endorsement is an optional endorsement that provides coverage enhancements. The following is a summary of broadened coverages provided by this endorsement. No coverage is provided by this summary, refer to following endorsement for changes in your policy. SUMMARY OF COVERAGES PAGE Accidental Airbag Deployment Coverage 4 Auto Loan/Lease Gap Coverage 4 Blanket Additional Insured 2 Blanket Waiver of Subrogation 5 Broadened Definition of Insured includes: Newly Acquired Organizations for up to 180 Days 2 Employees as Insureds 2 Subsidiaries in Which You Own 50% or More 2 Deductible Waiver for Glass Repair 3 Employee Hired Auto 2, 5 Fellow Employee Coverage 3 Hired Auto Physical Damage Coverage 4 Knowledge of Accident, Claim, Suit or Loss 5 Loss Of Use Expenses - Amended 3 Personal Effects 3 Rental Reimbursement Coverage 4 Supplementary Payments - Amended: Bail Bonds up to $5,000 2 Loss of Earnings up to $500/Day 2 Transportation Expense Limits – Amended 3 Unintentional Failure to Disclose Hazards 5 WN CA 27 06 16 Includes copyrighted material of Insurance Services Office, with its permission Page 1 of 5 WN CA 27 06 16 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY BUSINESS AUTO ENHANCEMENT ENDORSEMENT This endorsement modifies the insurance provided under the following: BUSINESS AUTO COVERAGE FORM With respect to the coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by this endorsement. The SECTIONS of the Business Auto Coverage Form identified in this endorsement will be amended as shown below. g. Any “employee” of yours is an “insured” while SECTION II – COVERED AUTOS LIABILITY operating a covered “auto” hired or rented under COVERAGE AMENDMENTS a contract or agreement in the “employee’s” A. Who Is An Insured name, with your permission, while performing SECTION II – COVERED AUTOS LIABILITY duties related to the conduct of your business. COVERAGE, A. Coverage, 1. Who Is An Insured B. Blanket Additional Insured is amended to add: SECTION ll – COVERED AUTOS LIABILITY d. Any legally incorporated subsidiary of yours in COVERAGE, A. Coverage, 1. Who Is An Insured, which you own more than 50% of the voting paragraph c. is amended to add the following: stock on the effective date of this coverage form. Any person or organization who is required under a However, “insured” does not include any written contract or agreement between you and that subsidiary of yours that is an “insured” under person or organization, that is signed and executed any other automobile liability policy, or would be by you before the “bodily injury” or “property an “insured” under such policy but for damage” occurs and that is in effect during the policy termination of such policy or the exhaustion on period, to be named as an additional insured is an such policy’s limits of insurance. “insured” for Liability Coverage, but only for e.Any organization which is newly acquired or damages to which this insurance applies and only to formed by you and over which you maintain the extent that persons or organization qualifies as majority ownership. However, coverage under an “insured” under the Who Is An Insured provision this provision: contained in Section ll. (1) is afforded only for the first 180 days after C. Liability Coverage Extensions – Supplementary you acquire or form the organization or until Payments the end of the policy period, whichever SECTION II – COVERED AUTOS LIABILITY comes first; COVERAGE, A. Coverage, 2. Coverage (2) does not apply to “bodily injury” or “property Extensions, a. Supplementary Payments is damage” that results from an “accident” that amended by replacing subparagraphs (2) and (4) occurred before you formed or acquired the with the following: organization; (2) Up to $5,000 for cost of bail bonds (including (3) does not apply to any newly acquired or bonds for related traffic law violations) required formed organization that is a joint venture or because of an “accident” we cover. We do not partnership; and have to furnish these bonds. (4) does not apply to an “insured” under any (4) All reasonable expenses incurred by the other automobile liability policy, or would be “insured” at our request, including actual loss of an “insured” under such a policy but for ter- earnings up to $500 a day because of time off mination of such policy or the exhaustion of from work. such policy’s limits of insurance. f. Any “employee” of yours is an “insured” while using a covered “auto” you don’t own, hire or borrow in your business or your personal affairs. WN CA 27 06 16 Includes copyrighted material of Insurance Services Office, with its permission Page 2 of 5 D. Fellow Employee Coverage D. Glass Repair – Deductible Waiver SECTION II – COVERED AUTOS LIABILITY SECTION III – PHYSICAL DAMAGE COVERAGE, COVERAGE, B. Exclusions, 5. Fellow Employee, A. Coverage, 3. Glass Breakage – Hitting A Bird the following is added: Or Animal – Falling Objects Or Missiles, is amended by adding the following: Co-Employee Lawsuit Defense Cost Reimbursement No deductible will apply to glass breakage if such glass is repaired, in a manner acceptable to us, If a suit seeking damages for “bodily injury” to any rather than replaced. fellow “employee” of the “insured” arising out of and in the course of the fellow “employee’s” employment E. Hired Auto Physical Damage or while performing duties related to the conduct of SECTION III – PHYSICAL DAMAGE COVERAGE, your business, or a suit seeking damages brought A. Coverage is amended by adding the following: by the spouse, child, parent, brother or sister of that 5. Hired Auto Physical Damage fellow “employee”, is brought against you, we will reimburse reasonable costs that you incur in the If hired “autos” are covered “autos” for Liability defense of such matters. Any reimbursement made Coverage and if Comprehensive, Specified Causes of Loss, or Collision coverages are pro- pursuant to this sub-section will be in addition to the vided under this coverage form for any “auto” limits of liability set forth in the Declarations. you own, then the Physical Damage Coverages provided are extended to “autos” you hire of like SECTION III – PHYSICAL DAMAGE COVERAGE kind and use, subject to the following: AMENDMENTS a. The most we will pay for any one “loss” is A. Transportation Expense – Limits Amended $50,000 or the actual cash value or cost to SECTION III – PHYSICAL DAMAGE COVERAGE, repair or replace, whichever is less, minus a A. Coverage, 4. Coverage Extensions, a. Trans- deductible; portation Expenses is amended by replacing $20 b. The deductible will be equal to the largest per day/$600 maximum limit with $50 per day/$1000 deductible applicable to any owned “auto” maximum. for that coverage. Any Comprehensive B. Hired Auto Physical Damage – Loss Of Use deductible does not apply to “loss” caused Expenses – Limits Amended by fire or lightening; SECTION III – PHYSICAL DAMAGE COVERAGE, c. Hired Auto Physical Damage coverage is excess over any other collectible insurance; A. Coverage, 4. Coverage Extensions, b. Loss of and Use Expenses is amended by replacing the $20 per day/$600 maximum limit with $50 per day/$750 d. Subject to the above limit, deductible and maximum limit. excess provisions we will provide coverage equal to the broadest coverage applicable to C. Personal Effects Coverage any covered “auto” you own. SECTION lll – PHYSICAL DAMAGE COVERAGE, If a limit for Hired Auto Physical Damage is A. Coverage, 4. Coverage Extensions is amended indicated in the Declarations, then that limit by adding the following: replaces, and is not added to, the $50,000 limit c.Personal Effects indicated above. We will pay up to $500 for “loss” to personal effects, which are: (1) Owned by an “insured”; and (2) In or on your covered “auto.” This coverage applies only in the event of the total theft of your covered “auto.” No deductible applies to this coverage WN CA 27 06 16 Includes copyrighted material of Insurance Services Office, with its permission Page 3 of 5 F.Rental Reimbursement G. Accidental Airbag Deployment Coverage SECTION III – PHYSICAL DAMAGE COVERAGE SECTION III – PHYSICAL DAMAGE COVERAGE, A. Coverage, is amended by adding the following: A. Coverage is amended by adding the following: 6.Rental Reimbursement 7. Accidental Airbag Deployment Coverage This coverage applies only to a covered “auto” of We will pay to reset or replace factory installed the private passenger or light truck type as airbag(s) in any covered “auto” for accidental follows: discharge, other than discharge due to a collision loss. a. We will pay for rental reimbursement expenses incurred by you for the rental of a This coverage is applicable only if comprehen- private passenger or light truck type “auto” sive coverage applies to the covered “auto”. because of “loss” to a covered private pas- This coverage is excess over any other collecti- senger or light truck type “auto”. Payment ble insurance or reimbursement by manufac- applies in addition to the otherwise applica- turer’s warranty. ble amount of each coverage you have on a H. Auto Loan/Lease Gap Coverage covered private passenger or light truck type “auto.” No deductibles apply to this SECTION III PHYSICAL DAMAGE COVERAGE, coverage. Item A., Coverage, is amended by adding the following: b. We will pay only for those expenses incurred during the policy period beginning 24 hours 8. Auto Loan/Lease Gap Coverage after the “loss” and ending, regardless of the This coverage applies only to a covered “auto” policy’s expiration, with the lesser of the fol- described or designated in the Schedule or in lowing number of days: the Declarations as including physical damage (1) The number of days reasonably re- coverage. quired to repair or replace the covered In the event of a covered total “loss” to a private passenger or light truck type covered “auto” described or designated in the “auto”. If “loss” is caused by theft, this Schedule or in the Declarations, we will pay any number of days is added to the number unpaid amount due on the lease or loan for a of days it takes to locate the covered covered “auto” less: private passenger or light truck type “auto” and return it to you; or a. The amount paid under the Physical Damage Coverage Section on the policy; (2) 30 days. and c. Our payment is limited to the lesser of the b. Any: following amounts: (1) Overdue lease/loan payments at the (1) Necessary and actual expenses time of the “loss”; incurred, or (2) Financial penalties imposed under a (2) $50 per day, up to a maximum of lease for excessive use, abnormal wear $1,000. and tear or high mileage; d. This coverage does not apply while there are spare or reserve private passenger or (3) Security deposits not returned by the light truck type “autos” available to you for lessor; your operations. (4) Costs for extended warranties, Credit e. If “loss” results from the total theft of a Life Insurance, Health, Accident or covered “auto” of the private passenger or Disability Insurance purchased with the light truck type, we will pay under this cover- loan or lease; and age only that amount of your rental reim- (5) Carry-over balances from previous bursement expenses which is not already loans or leases. provided for under SECTION III – PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions. For the purposes of this Rental Reimbursement coverage, light truck is defined as a truck with a gross vehicle weight of 10,000 lbs. or less as defined by the manufacturer as the maximum loaded weight the auto is designed to carry. WN CA 27 06 16 Includes copyrighted material of Insurance Services Office, with its permission Page 4 of 5 C. Unintentional Failure to Disclose Hazards SECTION IV –BUSINESS AUTO CONDITIONS SECTION IV – BUSINESS AUTO CONDITIONS, B. AMENDMENTS General Conditions, 2. Concealment, Misrepre- A. Duties In The Event Of Accident, Claim, Suit Or sentation Or Fraud, is amended by adding the Loss Amended following paragraph: SECTION IV – BUSINESS AUTO CONDITIONS, A. If you unintentionally fail to disclose any hazards Loss Conditions, 2. Duties In The Event Of existing at the inception date of the policy, or during Accident, Claim, Suit Or Loss, a. is amended by the policy period in connection with any additional adding the following: hazards, we will not deny coverage under this Cov- erage Part because of such failure. This condition applies only when the “accident” or “loss” is known to: D. Employee Hired Auto (1) You, if you are an individual; SECTION IV – BUSINESS AUTO CONDITIONS, B. (2) A partner, if you are a partnership; General Conditions, 5. Other Insurance, paragraph b. is deleted and replace by the following: (3) An executive officer or insurance manager, if you are a corporation; or b. For Hired Auto Physical Damage Coverage, the following are deemed to be a covered “autos” (4) A member or manager, if you are a limited you own: liability company. (1) Any covered “auto” you lease, hire, rent or But, this section does not amend the provisions borrow. relating to notification of police, protection or exami- nation of the property which was subject to the (2) Any covered “auto” hired or rented by your “loss”. “employee” under a contract in that individual “employee’s” name, with your B. Blanket Waiver of Subrogation permission, while performing duties related Section IV – BUSINESS AUTO CONDITIONS, A. to the conduct of your business. Loss Conditions, 5. Transfer of Rights of However, any “auto” that is leased, hired, rented Recovery Against Others to Us, is amended by or borrowed with a driver is not a covered “auto”. adding the following exception: However, we waive any right of recovery we may have against any person or organization to the extent required of you by a written contract signed and executed prior to any “accident” or “loss”, provided that the “accident” or “loss” arises out of operations contemplated by such contract. The waiver applies only to the person or organization designated in such contract. WN CA 27 06 16 Includes copyrighted material of Insurance Services Office, with its permission Page 5 of 5 COMMERCIAL GENERAL LIABILITY WN GL 49 07 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED – OWNERS, LESSEES OR CONTRACTORS – AUTOMATIC STATUS WHEN REQUIRED IN CONSTRUCTION AGREEMENT WITH YOU PRIMARY AND NONCONTRIBUTORY This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART B. With respect to the insurance afforded to these A. Section II – Who Is An Insured is amended to additional insureds, the following additional exclu- include as an additional insured any person or or- sion applies: ganization for whom you are performing opera- tions when you and such person or organization This insurance does not apply to: have agreed in writing in a contract or agreement 1. "Bodily injury", "property damage" or "personal that such person or organization be added as an and advertising injury" arising out of the ren- additional insured on your policy. Such person or dering of, or the failure to render, any profes- organization is an additional insured only with re- sional architectural, engineering or surveying spect to liability for "bodily injury", "property dam- services, including: age" or "personal and advertising injury" caused, a. The preparing, approving, or failing to pre- in whole or in part, by: pare or approve, maps, shop drawings, 1. Your acts or omissions; or opinions, reports, surveys, field orders, 2. The acts or omissions of those acting on your change orders or drawings and specifica- behalf; tions; or in the performance of your ongoing operations for b. Supervisory, inspection, architectural or the additional insured. engineering activities. A person's or organization's status as an additional This exclusion applies even if the claims insured under this endorsement ends when your against an additional insured allege negli- operations for that additional insured are complet-gence or other wrongdoing in the supervision, ed. hiring, employment, training or monitoring of others by that insured, if the “occurrence” However: which caused the “bodily injury” or “property 1. The insurance afforded to such additional in- damage”, or the offense which caused the sured only applies to the extent permitted by “personal and advertising injury”, involved the law; and rendering of or failure to render any profes- 2. If coverage provided to the additional insured sional services by you with respect to your is required by a contract or agreement, the in- providing engineering, architectural or survey- surance afforded to such additional insured ing services in your capacity as an engineer, will not be broader than that which you are re- architect or surveyor. quired by the contract or agreement to provide for such additional insured. WN GL 49 07 15 Page 1 of 2 Includes copyrighted material of Insurance Services Office, Inc., with its permission. 2."Bodily injury" or "property damage" occurring D.The following is added to the Other Insurance after: Condition and supersedes any provision to the contrary: a. All work, including materials, parts or equipment furnished in connection with Primary And Noncontributory Insurance such work, on the project (other than ser- This insurance is primary to and will not seek vice, maintenance or repairs) to be per- any contribution from any other insurance formed by or on behalf of the additional in- available to an additional insured under your sured(s) at the location of the covered policy provided that: operations has been completed; or (1) The additional insured is a Named Insured b. That portion of "your work" out of which under such other insurance; and the injury or damage arises has been put (2) You have agreed in writing in a contract or to its intended use by any person or or- agreement that this insurance would be ganization other than another contractor or primary and would not seek contribution subcontractor engaged in performing op- from any other insurance available to the erations for a principal as a part of the additional insured. same project. C. With respect to the insurance afforded to these additional insureds, the following is added to Sec- tion III – Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is: 1. The minimum amount required by the contract or agreement; or 2. The Limits of Insurance shown in the Declara- tions; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. WN GL 49 07 15 Page 2 of 2 Includes copyrighted material of Insurance Services Office, Inc., with its permission. COMMERICAL GENERAL LIABILITY WN GL 39 08 18 COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT The Commercial General Liability Enhancement Endorsement is an optional endorsement that provides coverage en- hancements. The following is a summary of broadened coverages provided by this endorsement. No coverage is pro- vided by this summary, refer to following endorsement for changes in your policy. SUMMARY OF COVERAGES PAGE Bodily Injury And Property Damage Liability ¥ Non Owned Watercraft Up To 50 Feet ............................................................................... 2 Property Damage Liability ¥ Elevators.......................................................................................................................... 3 ¥ Fire, Lightning, Explosion Or Sprinkler Leakage Exception .................................................. 3 ¥ Borrowed Equipment ($25,000 Per Occurrence, $50,000 Aggregate, $2,500 Deductible Per Occurrence ................................................................................. 3 Supplementary Payments – Amended ¥ Bail Bonds Up To $5,000................................................................................................... 4 ¥ Loss of Earnings Up To $500/Day ..................................................................................... 4 Who Is An Insured Amendments ¥ Employee Bodily Injury To A Co-Employee......................................................................... 4 ¥ Newly Formed Or Acquired Organizations For Up To 180 Days ........................................... 4 ¥ Blanket Additional Insured – Vendors – As Required By Contract ........................................ 4 ¥ Blanket Additional Insured – Lessor Of Leased Equipment .................................................. 6 ¥ Blanket Additional Insured – Managers Or Lessors Of Premises .......................................... 6 ¥ Blanket Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations ......................................................... 7 ¥ Blanket Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations Relating To Premises ........................ 8 Damage To Premises Rented To You – $300,000......................................................................... 9 Medical Payments Increased Limit – $10,000 Or Amount Shown on Declarations ........................... 9 Conditions ¥ Knowledge of Occurrence, Offense, Claim Or Suit Amended ............................................... 9 ¥ Unintentional Failure To Disclose Hazards ......................................................................... 9 ¥ Waiver of Subrogation..................................................................................................... 10 Insured Contract Amended .......................................................................................................... 10 Personal And Advertising Injury Redefined ¥ Televised, Videotaped Or Electronic Publication ............................................................... 10 WN GL 39 08 18 Includes copyrighted material of the Insurance Service Office, Inc., with its permission. Page 1 of 10 COMMERCIAL GENERAL LIABILITY WN GL 39 08 18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT This endorsement modifies the insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM With respect to the coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by this endorsement. The SECTIONS of the Commercial General Liability Coverage Form identified in this endorsement will be amended as shown below. (3) Parking an “auto” on, or on the ways next to, SECTION I – COVERAGES AMENDMENTS premises you own or rent, provided the “auto” COVERAGE A –BODILY INJURY AND PROPERTY is not owned by or rented or loaned to you or DAMAGE LIABILITY the insured; A. Non Owned Aircraft Or Watercraft (4) Liability assumed under any “insured con- tract” for the ownership, maintenance or use Item 2. Exclusions, Paragraph g. is replaced by the following: of aircraft or watercraft; or (5) “Bodily injury” or “property damage” arising g. Aircraft, Auto Or Watercraft out of: “Bodily injury” or “property damage” arising out of the ownership, maintenance, use or entrustment (a)The operation of machinery or equipment that is attached to, or part of, a land to others of any aircraft, “auto” or watercraft vehicle that would qualify under the owned or operated by or rented or loaned to any definition of “mobile equipment” if it were insured. Use includes operation and “loading or not subject to a compulsory or financial unloading”. responsibility law or other motor vehicle This exclusion applies even if the claims against insurance law where it is licensed or any insured allege negligence or other wrong- principally garaged; or doing in the supervision, hiring, employment, (b)The operation of any of the machinery or training or monitoring of others by that insured, if equipment listed in Paragraph f. (2) or f. the “occurrence” which caused the “bodily injury” or “property damage” involved in the ownership, (3) of the definition of “mobile equip- maintenance, use or entrustment to others of any ment”. aircraft, “auto” or watercraft that is owned or B. Damage To Property Coverage Extensions operated by or rented or loaned to any insured. Item2. Exclusions, Paragraph j. is replaced by the This exclusion does not apply to: following: (1) A watercraft while ashore on premises you j. Damage To Property own or rent; “Property damage” to: (2) A watercraft you do not own that is: (1) Property you own, rent, or occupy, including (a) Less than 50 feet long; and any costs or expenses incurred by you, or (b) Not being used to carry persons or prop- any other person, organization or entity, for erty for a charge; repair, replacement, enhancement, restora- tion or maintenance of such property for any This Subparagraph (2) applies to any person, who with your expressed or implied consent, reason, including prevention of injury to a either uses or is responsible for the use of the person or damage to another’s property; watercraft; (2) Premises you sell, give away or abandon, if the “property damage” arises out of any part of those premises; WN GL 39 08 18 Includes copyrighted material of the Insurance Service Office, Inc., with its permission. Page 2 of 10 The insurance provided for “property damage” from (3) Property loaned to you; the use of elevators and for “property damage” to (4) Personal property in the care, custody or con- borrowed equipment is excess over any other valid trol of the insured; and collectible property insurance (including any de- (5) That particular part of real property on which ductible portion thereof) available to the insured you or any contractors or subcontractors whether primary, excess, contingent or on any other working directly or indirectly on your behalf basis. are performing operations, if the “property damage” arises out of those operations; or C. Damage To Premises Rented To You (6) That particular part of any property that must Item 2. Exclusions, the last paragraph is replaced by be restored, repaired or replaced because the following: “your work” was incorrectly performed on it. Exclusions c. through n. do not apply to damage by Paragraphs (1), (3) and (4) of this exclusion do not fire, lightning, explosion or sprinkler leakage to apply to “property damage” (other than damage by premises while rented to you or temporarily occupied fire, lightning, explosion or sprinkler leakage) to by you with permission of the owner. A separate limit premises, including the contents of such premises, of insurance applies to this coverage as described in rented to you for a period of seven or fewer Paragraph 6. of SECTION III – LIMITS OF consecutive days. A separate limit of insurance INSURANCE. applies to Damage To Premises Rented To You as described in SECTION III – LIMITS OF INSURANCE. COVERAGE B – PERSONAL AND ADVERTISING However, the provisions of this paragraph do not INJURY LIABILITY apply if coverage for Damage To Premises Rented To D. Personal And Advertising Injury You is excluded by endorsement. Item 2. Exclusions is amended by replacing Sub- Paragraph (2) of this exclusion does not apply if the paragraphs b. and c. with the following: premises are “your work” and were never occupied, b. Material Published With Knowledge Of Falsity rented or held for rental by you. “Personal and advertising injury” arising out of Paragraphs (3) and (4) of this exclusion do not apply oral, written, televised, videotaped or electronic to the use of elevators. publication, in any manner,of material, if done by Paragraphs (3), (4), (5) and (6) of this exclusion do or at the direction of the insured with knowledge not apply to liability assumed under a sidetrack of its falsity. agreement. c. Material Published Prior To Policy Period Paragraph (4) of this exclusion does not apply to “Personal and advertising injury” arising out of “property damage” to borrowed equipment while not oral, written, televised, videotaped or electronic being used to perform operations at the jobsite. publication, in any manner, of material whose first Subject to Paragraph 2. of SECTION III – LIMITS OF publication took place before the beginning of the INSURANCE, the rules below fix the most we will pay policy period. for “property damage” under this provision: SUPPLEMENTARY PAYMENTS – COVERAGES A (1) $25,000 any one “occurrence”, regardless of the AND B number of persons or organizations who sustain damages because of that “occurrence”; E. Supplementary Payments – Coverages A and B (2) $50,000 annual aggregate; and Item 1. is amended by replacing Subparagraphs b. and d. with the following: (3) We will pay only for damages in excess of $2,500 as a result of any one “occurrence”, regardless of b. Up to $5,000 for cost of bail bonds required be- the number of persons or organizations who cause of accidents or traffic law violations arising sustain damages because of that “occurrence”. out of the use of any vehicle to which the Bodily We may, or if required by law, pay all or any part Injury Liability Coverage applies. We do not have of any deductible amount, if applicable, to effect to furnish these bonds. settlement of any claim or “suit”. Upon notice of d. All reasonable expenses incurred by the insured our payment of a deductible amount, you shall at our request to assist us in the investigation or promptly reimburse us for the part of the defense of the claim or “suit”, including actual loss deductible amount we paid. of earnings up to $500 a day because of time off Paragraph (6) of this exclusion does not apply to from work. “property damage” included in the “products-com- pleted operations hazard”. WN GL 39 08 18 Includes copyrighted material of the Insurance Service Office, Inc., with its permission. Page 3 of 10 SECTION II – WHO IS AN INSURED AMENDMENTS The following are added: C. Blanket Additional Insured – Vendors – As Re- A. Employee Bodily Injury To A Co-Employee quired By Contract Paragraph 2. a. (1) is replaced by the following: 1. Section II – Who Is An Insured is amended to However, none of these “employees” or “volunteer include as an additional insured any person(s) or workers” are insureds for “bodily injury” or “personal organization(s) (referred to throughout this and advertising injury”: endorsement as vendor) with whom you have (a) To you, to your partners or members (if you are a agreed in a written contract, executed prior to partnership or joint venture), to your members (if loss, to name as an additional insured, but only you are a limited liability company), to a co- with respect to "bodily injury" or "property “employee” while in the course of his or her damage" arising out of "your products" which are employment or performing duties related to the distributed or sold in the regular course of the conduct of your business, or to your other vendor's business. “volunteer workers” while performing duties However, related to the conduct of your business; a. The insurance afforded to such vendor only (b) To the spouse, child, parent, brother or sister of applies to the extent permitted by law; and the co-“employee” or “volunteer worker” as a b. If coverage provided to the vendor is required consequence of Paragraph (1)(a) above; by a contract or agreement, the insurance (c) For which there is any obligation to share afforded to such vendor will not be broader damages with or repay someone else who must than that which you are required by the pay damages because of the injury described in contract or agreement to provide for such Paragraph (1)(a) or (b) above; or vendor. (d) Arising out of his or her providing or failing to 2. With respect to the insurance afforded to these provide professional health care services. vendors, the following additional exclusions However, if a suit seeking damages for “bodily injury” apply: or “personal and advertising injury” to any co- a. The insurance afforded the vendor does not “employee” or other ”volunteer worker” arising out of apply to: and in the course of the co-“employee’s” or “volunteer worker’s” employment or while performing duties (1) "Bodily injury" or "property damage" for related to the conduct of your business, or a suit which the vendor is obligated to pay dam- seeking damages brought by the spouse, child, ages by reason of the assumption of parent, brother or sister of the co-“employee” or other liability in a contract or agreement. This “volunteer worker”, is brought against you or a co-exclusion does not apply to liability for “employee” or a “volunteer worker”, we will reimburse damages that the vendor would have in the reasonable costs that you incur in providing a the absence of the contract or defense to the co-“employee” or “volunteer worker” agreement; against such matters. Any reimbursement made (2) Any express warranty unauthorized by pursuant to this sub-section will be in addition to the you; limits of liability set forth in the Declarations. (3) Any physical or chemical change in the B. Newly Acquired Organizations product made intentionally by the vendor; (4) Repackaging, except when unpacked Paragraph 3. a. is replaced by the following: solely for the purpose of inspection, a. Coverage under this provision is afforded only th demonstration, testing, or the until the 180 day after you acquire or form the substitution of parts under instructions organization or the end of the policy period, from the manufacturer, and then whichever is earlier; repackaged in the original container; WN GL 39 08 18 Includes copyrighted material of the Insurance Service Office, Inc., with its permission. Page 4 of 10 (5) Any failure to make such inspections, 4. With respect to the insurance afforded to these adjustments, tests or servicing as the vendors, the following is added to Section III – vendor has agreed to make or normally Limits Of Insurance: undertakes to make in the usual course If coverage provided to the vendor is required by of business, in connection with the a contract or agreement, the most we will pay on distribution or sale of the products; behalf of the vendor is: (6) Demonstration, installation, servicing or a. The minimum amount required by the repair operations, except such contract or agreement; or operations performed at the vendor's premises in connection with the sale of b. The Limits of Insurance shown in the the product; Declarations; (7) Products which, after distribution or sale whichever is less. by you, have been labeled or relabeled or This endorsement shall not increase the used as a container, part or ingredient of applicable Limits of Insurance shown in the any other thing or substance by or for the Declarations. vendor; or 5. With respect to the insurance afforded to these (8) "Bodily injury or "property damage" additional insureds, the following additional arising out of the sole negligence of the vendor for its own acts or omissions or exclusion applies: those of its employees or anyone else This insurance does not apply to: acting on its behalf. However, this a. "Bodily injury", "property damage" or exclusion does not apply to: "personal and advertising injury" arising out (i) The exceptions contained in of the rendering of, or the failure to render, Subparagraphs (4) or (6);or any professional architectural, engineering or (ii) Such inspections, adjustments, tests surveying services, including: or servicing as the vendor has (1) The preparing, approving, or failing to agreed to make or normally prepare or approve, maps, shop undertakes to make in the usual drawings, opinions, reports, surveys, course of business, in connection field orders, change orders or drawings with the distribution or sale of the and specifications; or products. (2) Supervisory, inspection, architectural or 3. This Provision C. does not apply: engineering activities. a. To any insured person or organization from This exclusion applies even if the claims whom you have acquired such products, or against an additional insured allege any ingredient, part or container, entering negligence or other wrongdoing in the into, accompanying or containing such supervision, hiring, employment, training products; or monitoring of others by that insured, if the “occurrence” which caused the b. To any vendor for which coverage as an addi- “bodily injury” or “property damage”, or tional insured specifically is scheduled by the offense which caused the “personal endorsement; or and advertising injury”, involved the c. When liability included within the "products- rendering of or failure to render any completed operations hazard" has been ex- professional services by you with respect cluded for such product either by the provi- to your providing engineering, sions of the coverage part or by endorse- architectural or surveying services in ment. your capacity as an engineer, architect or surveyor. WN GL 39 08 18 Includes copyrighted material of the Insurance Service Office, Inc., with its permission. Page 5 of 10 4. With respect to the insurance afforded to these D. Blanket Additional Insured – Lessor Of Leased additional insureds, the following additional Equipment exclusion applies: 1. Section II – Who Is An Insured is amended to This insurance does not apply to: include as an additional insured any person(s) or a. "Bodily injury", "property damage" or organization(s) from whom you lease equipment "personal and advertising injury" arising out when you and such person(s) or organization(s) of the rendering of, or the failure to render, have agreed in writing in a contract or agreement, any professional architectural, engineering or executed prior to loss, that such person(s) or surveying services, including: organization(s) be added as an additional insured on your policy. Such person(s) or organization(s) (1) The preparing, approving, or failing to is an insured only with respect to liability for prepare or approve, maps, shop "bodily injury", "property damage" or "personal drawings, opinions, reports, surveys, and advertising injury" caused, in whole or in part, field orders, change orders or drawings by your maintenance, operation or use of and specifications; or equipment leased to you by such person(s) or (2) Supervisory, inspection, architectural or organization(s). engineering activities. However, the insurance afforded to such This exclusion applies even if the claims additional insured: against an additional insured allege a. Only applies to the extent permitted by law; negligence or other wrongdoing in the and supervision, hiring, employment, training or monitoring of others by that insured, if the b. Will not be broader than that which you are “occurrence” which caused the “bodily injury” required by the contract or agreement to or “property damage”, or the offense which provide for such additional insured. caused the “personal and advertising injury”, A person's or organization's status as an addi- involved the rendering of or failure to render tional insured under this endorsement ends when any professional services by you with respect their contract or agreement with youfor such to your providing engineering, architectural or leased equipment ends. surveying services in your capacity as an 2. With respect to the insurance afforded to these engineer, architect or surveyor. additional insureds, this insurance does not apply to any "occurrence" which takes place after the E. Blanket Additional Insured – Managers Or Les- equipment lease expires. sors Of Premises 3. With respect to the insurance afforded to these 1. Section II – Who Is An Insured is amended to additional insureds, the following is added to include as an additional insured any person(s) or Section III – Limits Of Insurance: organization(s) with whom you have agreed in a written contract, executed prior to loss, to name If coverage provided to the additional insured is as an additional insured, but only with respect to required by a contract or agreement, the most we liability arising out of the ownership, maintenance will pay on behalf of the additional insured is: or use of that part of the premises leased to you, a. The minimum amount required by the subject to the following additional exclusions: contract or agreement; or This insurance does not apply to: b. The Limits of Insurance shown in the a. Any "occurrence" which takes place after you Declarations; cease to be a tenant in that premises. whichever is less. b. Structural alterations, new construction or This endorsement shall not increase the demolition operations performed by or on applicable Limits of Insurance shown in the behalf of such additional insured. Declarations. WN GL 39 08 18 Includes copyrighted material of the Insurance Service Office, Inc., with its permission. Page 6 of 10 F. Blanket Additional Insured – State Or However: Governmental Agency Or Subdivision Or Political a. The insurance afforded to such additional Subdivision – Permits Or Authorizations insured only applies to the extent permitted Section II – Who Is An Insured is amended to in- by law; and clude as an additional insured any state or b. If coverage provided to the additional insured governmental agency or subdivision or political is required by a contract or agreement, the subdivision with whom you have agreed in a written insurance afforded to such additional insured contract, executed prior to loss, to name as an will not be broader than that which you are additional insured, subject to the following provisions: required by the contract or agreement to 1. This insurance applies only with respect to op- provide for such additional insured. erations performed by you or on your behalf for 2. With respect to the insurance afforded to these which the state or governmental agency or sub- additional insureds, the following is added to division or political subdivision has issued a Section III – Limits Of Insurance: permit or authorization. If coverage provided to the additional insured is However: required by a contract or agreement, the most we a. The insurance afforded to such additional will pay on behalf of the additional insured is: insured only applies to the extent permitted a. The minimum amount required by the by law; and contract or agreement; or b. If coverage provided to the additional insured b. The Limits of Insurance shown in the is required by a contract or agreement, the Declarations; insurance afforded to such additional insured whichever is less. will not be broader than that which you are This endorsement shall not increase the required by the contract or agreement to applicable Limits of Insurance shown in the provide for such additional insured. Declarations. 2. This insurance does not apply to: 3. With respect to the insurance afforded to these a. "Bodily injury", "property damage" or "per- additional insureds, the following additional sonal and advertising injury" arising out of op- exclusion applies: erations performed for the federal govern- This insurance does not apply to: ment, state or municipality; or a. "Bodily injury", "property damage" or b. "Bodily injury" or "property damage" included "personal and advertising injury" arising out within the "products-completed operations of the rendering of, or the failure to render, hazard". any professional architectural, engineering or 3. With respect to the insurance afforded to these surveying services, including: additional insureds, the following is added to (1) The preparing, approving, or failing to Section III – Limits Of Insurance: prepare or approve, maps, shop If coverage provided to the additional insured is drawings, opinions, reports, surveys, required by a contract or agreement, the most we field orders, change orders or drawings will pay on behalf of the additional insured is: and specifications; or a. The minimum amount required by the (2) Supervisory, inspection, architectural or contract or agreement; or engineering activities. b. The Limits of Insurance shown in the This exclusion applies even if the claims Declarations; against an additional insured allege whichever is less. negligence or other wrongdoing in the supervision, hiring, employment, training or This endorsement shall not increase the monitoring of others by that insured, if the applicable Limits of Insurance shown in the “occurrence” which caused the “bodily injury” Declarations. or “property damage”, or the offense which caused the “personal and advertising injury”, involved the rendering of or failure to render any professional services by you with respect to your providing engineering, architectural or surveying services in your capacity as an engineer, architect or surveyor. WN GL 39 08 18 Includes copyrighted material of the Insurance Service Office, Inc., with its permission. Page 7 of 10 b. The construction, erection or removal of 4. With respect to the insurance afforded to these elevators; or additional insureds, the following additional c. The ownership, maintenance or use of any exclusion applies: elevators covered by this insurance. This insurance does not apply to: However, a. "Bodily injury", "property damage" or "personal and advertising injury" arising out a. The insurance afforded to such additional of the rendering of, or the failure to render, insured only applies to the extent permitted any professional architectural, engineering or by law; and surveying services, including: b. If coverage provided to the additional insured (1) The preparing, approving, or failing to is required by a contract or agreement, the prepare or approve, maps, shop insurance afforded to such additional insured drawings, opinions, reports, surveys, will not be broader than that which you are field orders, change orders or drawings required by the contract or agreement to and specifications; or provide for such additional insured. (2) Supervisory, inspection, architectural or 2. With respect to the insurance afforded to these additional insureds, the following is added to engineering activities. Section III – Limits Of Insurance: This exclusion applies even if the claims against an additional insured allege If coverage provided to the additional insured is negligence or other wrongdoing in the required by a contract or agreement, the most we supervision, hiring, employment, training or will pay on behalf of the additional insured is: monitoring of others by that insured, if the a. The minimum amount required by the “occurrence” which caused the “bodily injury” contract or agreement; or or “property damage”, or the offense which caused the “personal and advertising injury”, b. The Limits of Insurance shown in the involved the rendering of or failure to render Declarations; any professional services by you with respect whichever is less. to your providing engineering, architectural or This endorsement shall not increase the surveying services in your capacity as an applicable Limits of Insurance shown in the engineer, architect or surveyor. Declarations. G. Blanket Additional Insured – State Or 3. With respect to the insurance afforded to these Governmental Agency Or Subdivision Or Political additional insureds, the following additional Subdivision – Permits Or Authorizations Relating exclusion applies: To Premises This insurance does not apply to: Section II – Who Is An Insured is amended to in- a. "Bodily injury", "property damage" or clude as an additional insured any state or "personal and advertising injury" arising out governmental agency or subdivision or political of the rendering of, or the failure to render, subdivision with whom you have agreed in a written any professional architectural, engineering or contract, executed prior to loss, to name as an surveying services, including: additional insured, subject to the following provision: (1) The preparing, approving, or failing to 1. This insurance applies only with respect to the fol- prepare or approve, maps, shop lowing hazards for which the state or drawings, opinions, reports, surveys, governmental agency or subdivision or political field orders, change orders or drawings subdivision has issued a permit or authorization in connection with premises you own, rent or and specifications; or control and to which this insurance applies: (2) Supervisory, inspection, architectural or a. The existence, maintenance, repair, engineering activities. construction, erection or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoist away openings, sidewalk vaults, street banners or decorations and similar exposures; or WN GL 39 08 18 Includes copyrighted material of the Insurance Service Office, Inc., with its permission. Page 8 of 10 This exclusion applies even if the claims SECTION IV – COMMERCIAL GENERAL LIABILITY against an additional insured allege CONDITIONS AMENDMENTS negligence or other wrongdoing in the A. Knowledge Of Occurrence supervision, hiring, employment, training or Item 2. Duties In The Event Of Occurrence, Of- monitoring of others by that insured, if the fense, Claim or Suit is amended by adding the fol- “occurrence” which caused the “bodily injury” or “property damage”, or the offense which lowing: caused the “personal and advertising injury”, e. You must give us or our authorized representa- involved the rendering of or failure to render tive prompt notice of an “occurrence”, claim or any professional services by you with respect loss only when the “occurrence”, claim or loss is to your providing engineering, architectural or known to: surveying services in your capacity as an (1) You, if you are an individual; engineer, architect or surveyor. (2) A partner, if you are a partnership; (3) An executive officer or insurance manager, if SECTION III – LIMITS OF INSURANCE AMENDMENTS you are a corporation; or A. Damage To Premises Rented To You (4) A member or manager, if you are a limited Paragraph 6. is replaced by the following: liability company. 6. Subject to Paragraph 5. above, the most we will B. Other Insurance pay under Coverage A for damages because of Item 4. Other Insurance, b. Excess Insurance (1) “property damage” to any one premises, while (a) (ii) is replaced by the following: rented to you, or in the case of damage by fire, (ii) That is fire, lightning, explosion or sprinkler leak- lightning, explosion or sprinkler leakage, while age insurance for premises rented to you or rented to you or temporarily occupied by you with temporarily occupied by you with permission of permission of the owner is the greater of: the owner; a. $300,000; or C. Unintentional Failure To Disclose Hazards b. The amount shown next to the Damage To Item 6. Representations is replaced by the following: Premises Rented To You Limit in the Decla- 6. Representations And Unintentional Failure To rations. Disclose Hazards However, the provisions of this paragraph do not a. By accepting this policy, you agree: apply if Damage To Premises Rented To You (1) The statements in the Declarations are Coverage is excluded by endorsement. accurate and complete; B. Medical Expense Limit (2) Those statements are based upon repre- Paragraph 7. is replaced with the following: sentations you made to us; and 7. Subject to Paragraph 5. above, the most we will (3) We have issued this policy in reliance pay under Coverage C for all medical expenses upon your representations. because of “bodily injury” sustained by any one b. If you unintentionally fail to disclose any haz- person is the greater of: ards existing at the inception date of your a. $10,000; or policy, we will not deny coverage under this b. The amount shown next to the Medical Ex- Coverage Part because of such failure. pense Limit in the Declarations. However, this provision does not affect our right to collect additional premium or exercise This insurance does not apply if coverage for Medical Expenses is excluded either by the pro-our right of cancellation or non-renewal. visions of the coverage part or by endorsement. WN GL 39 08 18 Includes copyrighted material of the Insurance Service Office, Inc., with its permission. Page 9 of 10 D. Waiver of Subrogation SECTION V – DEFINITIONS AMENDMENTS Item 8. Transfer of Rights of Recovery Against A. Insured Contract Amended Others to Us is hereby amended by the addition of Paragraph 9. a. is replaced by the following: the following: a. A contract for a lease of premises. However, that We waive any right of recovery we may have because portion of the contract for a lease of premises that of payments we make for injury or damage arising out indemnifies any person or organization for of your ongoing operations or "your work" done under damage by fire, lightning, explosion or sprinkler a written contract, executed prior to loss, requiring leakage to premises while rented to you or such waiver with that person or organization and temporarily occupied by you with permission of included in the "products-completed operations the owner is not an “insured contract”; hazard". However, our rights may only be waived prior to the "occurrence" giving rise to the injury or B. Personal And Advertising Injury Redefined damage for which we make payment under this Paragraph 14. d. and e. are replaced by the following: Coverage Part. The insured must do nothing after a d. Oral, written, televised, videotaped or electronic loss to impair our rights. At our request, the insured publication of material that slanders or libels a will bring "suit" or transfer those rights to us and help person or organization or disparages a person’s us enforce those rights. or organization’s goods, products or service; e. Oral, written, televised, videotaped or electronic publication of material that violates a person’s right of privacy; WN GL 39 08 18 Includes copyrighted material of the Insurance Service Office, Inc., with its permission. Page 10 of 10