Cybersecurity

• Complimentary access to eRiskHub®, a data breach prevention and response resource that will help you understand your exposure to a data breach and the importance of a response plan

• Best practice checklists for securing personal and payment card information, plus tips on protecting against cyberattacks

Background Checks and Screenings

• Discounted background checks, including multi-court criminal database searches, county criminal searches and more (first background check is free)

vehicle reports (MVRs)

Disaster Preparation and Recovery

• Guidance on preparing for natural disasters and serve weather

assistance resource

Human Resources

• Free PeopleSystems’ human resources consultation helpline to be used for personnel issues, including harassment and discrimination, the Family and Medical Leave Act, disability, wage and hours regulations and more

• Online library with information, forms and articles pertaining to human resources

• Discounted HR and payroll management system by PrimePoint

• Discounted employee workplace assessment by Talogy, previously PSI Caliper

• Resources for recruiting, interviewing and terminating employees

Marketing

• Resources marketing via email and social media, capturing leads and building surveys

• Free and discounted stock imagery sites and photo and video editing programs

• Discount stationery, signage, promotional items and gifts

Try our cost-savings calculator to see how much you could save!

BRC-Quote and Policy 12/23

As a policyholder through USLI, you have access to many free and discounted services that will assist you in operating and growing your business through the Business Resource Center (BRC). Consider the following services and associated cost savings when deciding where to place your insurance!

ONLINE LEARNING

Need help training your new employees?

Properly preparing new employees can be time-consuming and expensive. We offer a variety of free and discounted industry-specific training and certifications to help you save time and money!

Topics include:

Property Safety

• Free workplace safety and occupational health consultation

• Tips for building maintenance, fire prevention and water safety

Industry-specific Resources For:

For a full list of vendors, discounts and resources, visit bizresourcecenter.com.

USLI.COM

888-523-5545

CRF 3/25

24/7 Claim Reporting In our continuing effort to provide you with excellent claim service, you may now report a claim and get claim assistance 24 hours a day/7 days a week.

For claim reporting, call toll free 1-888-875-5231 or visit USLI.COM and select the “report a claim” option.

For emergency claims requiring immediate assistance, please use the toll free option. Your call will be referred to a claims professional who will respond within an hour of your call with direction and assistance.

Thank you for placing your trust in our company. We pledge to work hard every day to earn and maintain that trust.

page 1 of 1Privacy Notice 11/21 – USLI

Privacy Notice At Collection We may need to collect certain personal information to provide you with our services and products. For information on how we store, use and protect personal information, please see our Privacy Policy accessible on our website, https://www.usli.com/privacy-policy/.

Bar, Tavern or Restaurant Loss Control Passport

VVeehhiicclleess ❑ Are Motor Vehicle Reports (MVR) obtained for all drivers and checked every year (Fair Credit Reporting Act requires written consent to order MVR)

❑ Are prearranged Taxi’s called if an intoxicated customer needs a ride home. Are signs posted for patrons to know who to call

❑ Are certificates of insurance (COI) obtained from all employees that could use their own auto on company business with adequate limits

❑ Is a maintenance log kept on all owned vehicles ❑ Are quarterly driver safety meetings held with all drivers ❑ Have proper loading and unloading techniques been taught and stressed ❑ If Valet Parking is offered, are keys kept at a locked attendant’s booth and does the booth have an attendant present during all hours of operation.

PPaarrkkiinngg LLoott aanndd SSiiddeewwaallkkss ❑ Is adequate lighting provided for all parking and sidewalks ❑ Parking lot free of potholes, debris and any slip and fall hazard ❑ Sidewalks level and free of hazards ❑ Snow and ice removal completed promptly and kept clean ❑ When sidewalk basement access is used are employee on the sidewalk when opened and hazard signs posted when in use ❑ Do steps have sturdy handrails on both sides of steps that are easily griped and of the correct height ❑ Are all steps of standard height and width ❑ Is there a snow removal contract/with certificates of insurance ❑ Are parking lot wheel stops in good condition and handicapped marked spaces available LLiiqquuoorr SSeerrvviiccee

❑ Are signs posted that patrons must be 21 years old to purchase alcohol

❑ Is identification checked for all customers of questionable age ❑ Is training provided on age verification procedures ❑ Procedures established for not selling to intoxicated persons or habitually intoxicated persons ❑ Formal procedure established for dealing with intoxicated persons ❑ How are obviously intoxicated persons encouraged not to drive ❑ Is complimentary, low sugar, foods offered to obviously intoxicated persons ❑ Establish and promote a “designated driver” program – example:

free sodas ❑ Are taxicab companies called where available for intoxicated customers ❑ Have all servers/managers passed a Training for Intervention

Procedures by Servers of Alcohol (TIPS) course and take periodic refresher courses

DDiinnnniinngg RRoooomm//BBaarr ❑ Do you strictly adhere to established maximum capacity limits and are required signs posted ❑ Are background checks made and training provided for bouncers or security guards ❑ Are there mats in place at entrance doors ❑ Is there a designated person to check patrons I.D.’s when required ❑ Is an evacuation procedure posted ❑ Choke Saving Chart posted ❑ Are walkways sufficiently wide to accommodate traffic ❑ Are “Wet Floor” signs available and used ❑ Is there emergency backup lighting ❑ Is there an adequate number of illuminated exit signs ❑ Do all doors open out and are unlocked/unblocked to allow easy exit ❑ Are sonic/alarm panic bars installed on exit doors to the exterior.

❑ Is all flooring in good condition and interior steps properly lighted.

❑ Surge protection on all electronic equipment ❑ Is extension cord use minimized and taped down to prevent trips and falls ❑ Is all electrical wiring connected to functioning circuit breakers ❑ Candle use is discouraged, flowers or other center pieces are a better alternative, but if used double check that all are extinguished nightly

❑ Is furniture properly assembled, cleaned and maintained ❑ Glasses should not be stored over or placed directly in ice ❑ Are smoking material discarded in water or separate metal bin. (Not in trash) ❑ Are No Smoking signs posted when and where required ❑ Central Station heat or smoke detection on premises ❑ Are drinks prohibited from dance floor ❑ All entertainment/amusement devices in good condition ❑ Have you ever been cited for violations by the Board of

Health ❑ Is there a written Accident investigation program in place

This document does not amend, extend or alter the coverage afforded by the Policy. For a complete understanding of any insurance you purchase, you must first read your Policy, Declaration Page and any Endorsements and discuss them with your Broker.

BTP Check List (6/08)

This is your Passport to Bar, Tavern or Restaurant loss control for a safer environment for your employees, customers or vendors and your peace of mind.

United States Liability Insurance Group and your agent are committed to assist you in managing your business loss exposures. The following checklist will help identify areas that may need improvement and distinguish your business from your competitors.

TTaallkk ttoo yyoouurr aaggeenntt ttooddaayy iiff yyoouu hhaavvee qquueessttiioonnss aabboouutt wwhhaatt yyoouu ffiinndd..

EEmmppllooyyeeeess ❑ Are spills cleaned up promptly and precautions taken to prevent a slip or fall ❑ Are employees trained on proper crowd control techniques ❑ Employees strictly forbidden from drinking alcohol on duty ❑ Background checks made on all security personnel ❑ Personal Injury lawsuit can occur from slander, defamation or false imprisonment, training provided to deal effectively with intoxicated customers

❑ Are proper lifting techniques and manageable loads carried ❑ Is personal protective clothing and equipment available and used when required ❑ Do employees wear appropriate non-skid/non-slip footwear ❑ Firearms not allowed on premises ❑ Training and recertification on first aid, CPR and blood borne pathogen program.

❑ Regular tests or inspection of safety equipment taken with a written log of service/repairs kept on file.

❑ OSHA records maintained ❑ Emergency phone numbers posted (i.e., the police, fire department, near-by hospitals, general emergencies) and employee contact on file

❑ Are employee safety meetings held on a regular basis.

KKiittcchheenn

❑ Are nonskid mats or nonskid material added to tile or slippery floors

❑ Are signs posted for hand washing requirements for employees.

❑ Are sanitized gloves and hair nets/hats worn by cooking employees.

❑ “Wet” chemical extinguishing agent used in commercial cooking fire suppression system that are UL 300 compliant ❑ Adequate number of Class K portable fire extinguishers mounted within 30 feet of the cooking area and serviced on an annual basis by service contract

❑ Appliance automatic fuel shut-off device and manual shut-off in exit path. Is shut off tool mounted and labeled

❑ Are all combustible walls greater than 18 inches from the nearest cooking unit

❑ Professional cleaning of entire exhaust system/hoods and vents by certified contractor frequently enough given the volume and type of cooking done on premises

❑ Are wiring and lighting protected from grease build-up ❑ Is the cooking line tagged/labeled with dates of required service ❑ Foods stored in airtight containers to avoid drippings from other foods ❑ Adequate methods established to monitor food shelf life ❑ Dirty cutting boards or poor handling techniques avoided to reduce food poising potential ❑ Maintenance contract on all refrigeration units ❑ Adequate pest control contractor employed to prevent vermin and unsanitary conditions ❑ Trash removed as needed and at minimum every day.

❑ All inventory should be stored at minimum 4 inches off the floor on pallets or shelves to avoid water damage ❑ Dishwashing water temperature maintained above 171 degrees and monitored on a regular basis.

❑ Is the overall housekeeping in the kitchen good

SSeeccuurriittyy//TThheefftt ❑ Central Station burglar alarm with contacts on all doors and windows ❑ Are smoke and alarm systems U.L. certified ❑ Video surveillance camera at front door, bar area, and other desired areas ❑ Are surveillance cameras taped/saved and copies kept on file ❑ All doors have double-cylinder dead-bolt locks ❑ Bank deposits made at different times, varied routes and by a minimum of two employees ❑ Unannounced financial audits conducted ❑ Authorized access only to alcohol inventory, bar area, sound system, office and cash handling ❑ First aid kits maintained and restocked as needed and easily accessible.

Date: ________________________________________________________ Name: ______________________________________________________ Findings: ____________________________________________________ Action Taken: __________________________________________________

This document does not amend, extend or alter the coverage afforded by the Policy. For a complete understanding of any insurance you purchase, you must first read your Policy, Declaration Page and any Endorsements and discuss them with your Broker.

BTP Check List (6/08) bizresourcecenter.com Premium Audit Letter 2/25

Preparing for Your Premium Audit

Thank you for placing your business with us. We at USLI want to ensure we are charging you the appropriate premium amount for the policy coverages we are providing. In order to do this, we will be conducting an audit at the end of your policy coverage period.

What Is an audit?

An audit is the examination of your business’s records to confirm the exact sales or payroll you had during an elapsed policy period. An assigned third-party auditor will review your submitted documentation to calculate your total sales and/or payroll exposure for the audited time frame, as compared to the estimated amounts listed on your insurance policy. Your policy premium may then be adjusted to reflect the actual exposure you had during the audited period.

Why Is an Audit Necessary?

An audit confirms the accuracy of the premium basis submitted on your application for insurance coverage. This premium basis (e.g., sales, payroll, admissions) plays an important role in determining the cost of your policy and ensures we are not charging too much or too little for the coverages provided.

What Do I Need to Do to Prepare?

An audit is typically scheduled within 30 days of the expiration or cancellation date of your policy term. It will be conducted by a professional insurance auditor who will be able to advise you on all information needed, and answer any questions you may have. You will be able to complete the audit securely online by providing the total sales or payroll for your business during the audited period. Additionally, the auditor will ask you to provide some of the following supporting documentation, depending on your type of business:

Sales and/or payroll journal, 1099s and 941s, profit and loss statement, monthly/quarterly state sales tax reports

Have more questions? We are here to help! Contact us today or visit bizresourcecenter.com for further policy resources.

SURPLUS LINES INSURERS’ POLICY RATES AND FORMS ARE NOT APPROVED BY ANY

FLORIDA REGULATORY AGENCY.

THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR HURRICANE OR WIND

LOSSES, WHICH MAY RESULT IN HIGH OUT-OF-POCKET EXPENSES TO YOU.

THIS POLICY CONTAINS A CO-PAY PROVISION THAT MAY RESULT IN HIGH

OUT-OF-POCKET EXPENSES TO YOU.

THIS INSURANCE IS ISSUED PURSUANT TO THE FLORIDA SURPLUS LINES LAW. PERSONS

INSURED BY SURPLUS LINES CARRIERS DO NOT HAVE THE PROTECTION OF THE FLORIDA

INSURANCE GUARANTY ACT TO THE EXTENT OF ANY RIGHT OF RECOVERY FOR THE

OBLIGATION OF AN INSOLVENT UNLICENSED INSURER.

Insured’s Name: Policy #:

To:Policy Dates: From:

Surplus Lines Agent’s Name:

Surplus Lines Agent’s Physical Address:

Surplus Lines Agent’s License #:

Producing Agent’s Name:

Producing Agent’s Physical Address:

Surplus Lines Agent’s Countersignature:

Policy Premium: SL Agent Policy Fee:

Inspection Fee: Other Policy Fees:

Tax: FSLSO Service Fee:

Rev. 01.01.2022 | Florida Surplus Lines Service Office

EMPA Surcharge:

WALTON COUNTY BOARD OF COUNTY COMMISSIONERS LQ 2009960B

04/26/2025 04/26/2026

Susan Brown Flemming

1227 S. Patrick Dr., Ste 101 Satellite Beach, FL 32937

A085932

Lisa Frederickson

501 W 11th St. Panama City FL, 32401

$1,001.00 $350.00

$66.74 $0.81

THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT.

Coverage Form(s) and Endorsement(s) made a part of this policy at time of issue

See Endorsement EOD (1/95)

THIS INSURANCE IS ISSUED PURSUANT TO THE FLORIDA SURPLUS

LINES LAW. PERSONS INSURED BY SURPLUS LINES CARRIERS DO

NOT HAVE THE PROTECTION OF THE FLORIDA INSURANCE

GUARANTY ACT TO THE EXTENT OF ANY RIGHT OF RECOVERY FOR

THE OBLIGATION OF AN INSOLVENT UNLICENSED INSURER.

SURPLUS LINES INSURERS POLICY RATES

AND FORMS ARE NOT APPROVED BY ANY

FLORIDA REGULATORY AGENCY.

Authorized Representative

LQ 2009960A

No. LQ 2009960B

WALTON COUNTY BOARD OF COUNTY

COMMISSIONERS

DBA: EAGLE SPRINGS GOLF AND RECREATION

CENTER

171 COUNTRY CLUB LN

DEFUNIAK SPRINGS, FL 32435

POLICY PERIOD: (MO. DAY YR.) From: To:

FORM OF BUSINESS:

BUSINESS DESCRIPTION:

12:01 A.M. STANDARD TIME AT YOUR

MAILING ADDRESS SHOWN ABOVE

IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE

THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED.

NAMED INSURED AND ADDRESS:

Renewal of Number

POLICY DECLARATIONS

04/26/2025 04/26/2026

Governmental Agency

Restaurant

Mount Vernon Fire Insurance Company 1190 Devon Park Drive, Wayne, Pennsylvania 19087

A Member Company of United States Liability Insurance Group

Agent: AMWINS INSURANCE BROKERAGE LLC (JACKSONVILLE) (4780) 10201 Centurion Parkway North, Suite 400 Jacksonville, FL 32256

Issued: 04/30/2025 8:31 AM

Broker:

By:

WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY.

PREMIUM

Liquor Liability Coverage Part $1,001.00

Service Fee $0.60

Surplus Lines Tax $49.45

TOTAL: $1,051.05

UPD (08-07)

THESE DECLARATIONS TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE PART DECLARATIONS, COVERAGE PART COVERAGE FORM(S) AND FORMS AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETE THE ABOVE NUMBERED POLICY. Page 1 of 1

NO FLAT CANCELLATION

Description of EndorsementsEndt# Revised

The following forms apply to the Liquor Liability coverage part

2110 Service Of Suit04/15

CG0033 Liquor Liability Coverage Form12/07

CG0220 Florida Changes - Cancellation And Nonrenewal03/12

IL0017 Common Policy Conditions11/98

IL0021 Nuclear Energy Liability Exclusion Endorsement09/08

Jacket Policy Jacket07/19

L 590 Exclusion - New Entities10/16

L 657 Absolute Pollution Exclusion - Liability10/16

L 816 Amendment of Conditions - Insurance Under Two or More Coverage Forms

01/18

L-224 Punitive or Exemplary Damages Exclusion12/17

L-584D Exclusion for Breach of Policy Conditions Endorsement05/21

L-610 Expanded Definition Of Bodily Injury11/04

L-618C Amendment Of Premium Audit Conditions09/09

LLQ100 Who Is An Insured Clarification Endorsement04/15

LLQ367 Minimum Earned Premium Endorsement04/15

LLQ368 Separation Of Insureds Clarification Endorsement04/15

LQ 354 Limitation of Coverage to Insured Premises10/16

LQ-203 Additional Insured - Liquor License Holder08/07

LQ-346 Definition of "Receipts"09/06

LQ-428 Absolute Firearms Exclusion10/16

FORMS AND ENDORSEMENTS

EXTENSION OF DECLARATIONS

Policy No. LQ 2009960B Effective Date: 04/26/2025

12:01 AM STANDARD TIME AT YOUR MAILING ADDRESS

All other terms and conditions remain unchanged.EOD (01/95) Page of1 1

Coverage Form(s)/Part(s) and Endorsement(s) made a part of this policy at time of issue:

See Form EOD (01/95)

LIMITS OF INSURANCE

Liquor Each Common Cause Limit $1,000,000

Liquor Aggregate Limit $2,000,000

LIABILITY DEDUCTIBLE $0

LOCATIONS OF ALL PREMISES YOU OWN, RENT OR OCCUPY

Location Address Territory

1 171 Country Club Ln, Defuniak Springs, FL 32435 006

PREMIUM COMPUTATION

Rate Advance Premium

Loc Classification Code No. Premium Basis Pr/Co All Other Pr/Co All Other

1 Clubs - country or golf - with sale of alcoholic beverages that are less than 50% of the total food and alcohol receipts

00020 95,580 Liquor Receipts

N/A 0.748 N/A $715

1 Top Shelf including Assault or Battery at full limits 02097 95,580 Liquor Receipts

N/A 0.131 N/A $125

MINIMUM PREMIUM FOR LIQUOR LIABILITY COVERAGE PART: $1,001

TOTAL PREMIUM FOR LIQUOR LIABILITY COVERAGE PART:

(This Premium may be subject to adjustment.)

$1,001 MP

MP - minimum premium

LQ 2009960B

LIQUOR LIABILITY COVERAGE PART DECLARATIONS

Effective Date: 04/26/2025

12:01 STANDARD TIME

Policy No.

Copyright, ISO Commercial Risk Services, Inc., 1983, 1984, 1988 Includes copyrighted material of ISO Commercial Risk Services, Inc., with its permission.

THESE DECLARATIONS ARE PART OF THE POLICY DECLARATIONS CONTAINING THE NAME OF THE INSURED AND THE POLICY PERIOD.

LQ 150 (02/09) Page 1 Of 1

This page has been intentionally left blank.

2110 (04-15) Page 1 of 1

Service Of Suit

Pursuant to any statute of any state, territory or district of the United States which makes provisions therefore, the Company hereby designates the Superintendent, Commissioner or Director of Insurance or other officer specified for that purpose in the Statute, or his successors in office, as our true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the insured(s) or any beneficiary hereunder arising out of this contract of insurance, and hereby designate the below named as the person to whom the said officer is authorized to mail process or a true copy thereof.

It is further agreed that service of process in such suit may be made upon the General Counsel of the Company, or his nominee, at 1190 Devon Park Drive, Wayne, Pennsylvania 19087 and that in any suit instituted against any one of them upon this policy, the Company will abide by the final decision of such Court or any Appellate Court in the event of an appeal.

COMMERCIAL GENERAL LIABILITY

CG 00 33 12 07

CG 00 33 12 07 © ISO Properties, Inc., 2006 Page 1 of 6

LIQUOR LIABILITY COVERAGE FORM

Various provisions in this policy restrict coverage.

Read the entire policy carefully to determine rights, duties and what is and is not covered.

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

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

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

SECTION I – LIQUOR LIABILITY COVERAGE

1. Insuring Agreement

a. We will pay those sums that the insured be-comes legally obligated to pay as damages because of "injury" to which this insurance ap-plies if liability for such "injury" is imposed on the insured by reason of the selling, serving or furnishing of any alcoholic beverage. 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 "injury" to which this insurance does not apply.

We may, at our discretion, investigate any "in-jury" and settle any claim or "suit" that may re-sult. But:

(1) The amount we will pay for damages is limited as described in Section III – Limits Of Insurance; and

(2) Our right and duty to defend ends when we have used up the applicable limit of insur-ance in the payment of judgments or set-tlements.

No other obligation or liability to pay sums or perform acts or services is covered unless ex-plicitly provided for under Supplementary Pay-ments.

b. This insurance applies to "injury" only if:

(1) The "injury" occurs during the policy period in the "coverage territory"; and

(2) Prior to the policy period, no insured listed under Paragraph 1. of Section II – Who Is An Insured and no "employee" authorized by you to give or receive notice of an "in-jury" or claim, knew that the "injury" had oc-curred, in whole or in part. If such a listed insured or authorized "employee" knew, prior to the policy period, that the "injury" occurred, then any continuation, change or resumption of such "injury" during or after the policy period will be deemed to have been known prior to the policy period.

c. "Injury" which occurs during the policy period and was not, prior to the policy period, known to have occurred by any insured listed under Paragraph 1. of Section II – Who Is An Insured or any "employee" authorized by you to give or receive notice of an "injury" or claim, includes any continuation, change or resumption of that "injury" after the end of the policy period.

d. "Injury" will be deemed to have been known to have occurred at the earliest time when any in-sured listed under Paragraph 1. of Section II – Who Is An Insured or any "employee" author-ized by you to give or receive notice of an "in-jury" or claim:

(1) Reports all, or any part, of the "injury" to us or any other insurer;

(2) Receives a written or verbal demand or claim for damages because of the "injury";

or

(3) Becomes aware by any other means that "injury" has occurred or has begun to occur.

2. Exclusions This insurance does not apply to:

a. Expected Or Intended Injury "Injury" expected or intended from the stand-point of the insured. This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to protect persons or prop-erty.

b. Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unem-ployment compensation law or any similar law.

Page 2 of 6 © ISO Properties, Inc., 2006 CG 00 33 12 07

c. Employer's Liability "Bodily injury" to:

(1) An "employee" 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 Paragraph (1) above.

This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share dam-ages with or repay someone else who must pay damages because of the "injury".

d. Liquor License Not In Effect "Injury" arising out of any alcoholic beverage sold, served or furnished while any required li-cense is not in effect.

e. Your Product "Injury" arising out of "your product". This ex-clusion does not apply to "injury" for which the insured or the insured's indemnitees may be held liable by reason of:

(1) Causing or contributing to the intoxication of any person;

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

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

f. Other Insurance Any "injury" with respect to which other insur-ance is afforded, or would be afforded but for the exhaustion of the limits of insurance.

This exclusion does not apply if the other in-surance responds to liability for "injury" im-posed on the insured by reason of the selling, serving or furnishing of any alcoholic beverage.

g. War "Injury", however caused, arising, directly or in-directly, out of:

(1) War, including undeclared or civil war;

(2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any govern-ment, sovereign or other authority using military personnel or other agents; or

(3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental au-thority in hindering or defending against any of these.

SUPPLEMENTARY PAYMENTS

We will pay, with respect to any claim we investigate or settle, or any "suit" against an insured we defend:

1. All expenses we incur.

2. The cost of bonds to release attachments, but only for bond amounts within the applicable limit of in-surance. We do not have to furnish these bonds.

3. All reasonable expenses incurred by the insured at our request to assist us in the investigation or de-fense of the claim or "suit", including actual loss of earnings up to $250 a day because of time off from work.

4. All court costs taxed against the insured in the "suit". However, these payments do not include at-torneys' fees or attorneys' expenses taxed against the insured.

5. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer.

6. 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.

7. Expenses incurred by the insured for first aid ad-ministered to others at the time of an event to which this insurance applies.

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

SECTION II – WHO IS AN INSURED

1. If you are designated in the Declarations as:

a. An individual, you and your spouse are insur-eds.

b. A partnership or joint venture, you are an in-sured. Your members, your partners, and their spouses are also insureds, but only with re-spect 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.

CG 00 33 12 07 © ISO Properties, Inc., 2006 Page 3 of 6

d. An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their du-ties as your officers or directors. Your stock-holders are also insureds, but only with respect to their liability as stockholders.

2. Each of the following is also an insured:

a. Your "employees", other than either your "ex-ecutive 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 "em-ployees" is an insured for:

(1) "Injury":

(a) To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited li-ability company), or to a co-"employee" while that co-"employee" is either in the course of his or her employment or per-forming duties related to the conduct of your business;

(b) To the spouse, child, parent, brother or sister of that co-"employee" as a conse-quence of Paragraph (a) above; or

(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 (a) or

(b) above.

(2) "Property damage" to property:

(a) Owned or occupied by, or

(b) Rented or loaned to that "employee", any of your other "em-ployees", by any of your partners or mem-bers (if you are a partnership or joint ven-ture), or by any of your members (if you are a limited liability company).

b. 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.

c. Your legal representative if you die, but only with respect to duties as such. That represen-tative will have all your rights and duties under this Coverage Part.

3. Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named In-sured if there is no other similar insurance avail-able to that organization. However:

a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period, whichever is earlier; and

b. Coverage does not apply to "injury" that oc-curred before you acquired or formed the or-ganization.

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.

SECTION III – LIMITS OF INSURANCE

1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay re-gardless of the number of:

a. Insureds;

b. Claims made or "suits" brought; or

c. Persons or organizations making claims or bringing "suits".

2. The Aggregate Limit is the most we will pay for all

"injury" as the result of the selling, serving or fur-nishing of alcoholic beverages.

3. Subject to the Aggregate Limit, the Each Common Cause Limit is the most we will pay for all "injury" sustained by one or more persons or organiza-tions as the result of the selling, serving or furnish-ing of any alcoholic beverage to any one person.

The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance.

SECTION IV – LIQUOR LIABILITY CONDITIONS

1. Bankruptcy

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

Page 4 of 6 © ISO Properties, Inc., 2006 CG 00 33 12 07

2. Duties In The Event Of Injury, Claim Or Suit

a. You must see to it that we are notified as soon as practicable of an "injury" which may result in a claim. To the extent possible, notice should include:

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

(2) The names and addresses of any injured persons and witnesses; and

(3) The nature and location of any "injury".

b. If a claim is made or "suit" is brought against any insured, you must:

(1) Immediately record the specifics of the claim or "suit" and the date received; and

(2) Notify us as soon as practicable.

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

c. You and any other involved insured must:

(1) Immediately send us copies of any de-mands, notices, summonses or legal pa-pers received in connection with the claim or "suit";

(2) Authorize us to obtain records and other information;

(3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit"; and

(4) Assist us, upon our request, in the en-forcement of any right against any person or organization which may be liable to the insured because of "injury" to which this in-surance may also apply.

d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent.

3. Legal Action Against Us No person or organization has a right under this Coverage Part:

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

b. To sue us on this Coverage Part 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 final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the ap-plicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claim-ant's legal representative.

4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under this Cov-erage Part, our obligations are limited as follows:

a. Primary Insurance This insurance is primary. Our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in b.

below.

b. Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer con-tributes equal amounts until it has paid its ap-plicable 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.

5. Premium Audit

a. We will compute all premiums for this Cover-age Part in accordance with our rules and rates.

b. Premium shown in this Coverage Part as ad-vance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the first Named Insured.

CG 00 33 12 07 © ISO Properties, Inc., 2006 Page 5 of 6

c. The first Named Insured must keep records of the information we need for premium computa-tion, and send us copies at such times as we may request.

6. Representations By accepting this policy, you agree:

a. The statements in the Declarations are accu-rate and complete;

b. Those statements are based upon representa-tions you made to us; and

c. We have issued this policy in reliance upon your representations.

7. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this in-surance applies:

a. As if each Named Insured were the only Named Insured; and

b. Separately to each insured against whom claim is made or "suit" is brought.

8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part, those rights are transferred to us. The in-sured 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.

9. When We Do Not Renew If we decide not to renew this Coverage Part, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expi-ration date.

If notice is mailed, proof of mailing will be sufficient proof of notice.

SECTION V – DEFINITIONS

1. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including death re-sulting from any of these at any time.

2. "Coverage territory" means:

a. The United States of America (including its territories and possessions), Puerto Rico and Canada;

b. International waters or airspace, but only if the "injury" occurs in the course of travel or trans-portation between any places included in Paragraph a. above; or

c. All other parts of the world if the "injury" arises out of:

(1) Goods or products made or sold by you in the territory described in Paragraph a.

above; or

(2) The activities of a person whose home is in the territory described in Paragraph a.

above, but is away for a short time on your business provided the insured's responsibility to pay damages is determined in a "suit" on the mer-its, in the territory described in Paragraph a.

above or in a settlement we agree to.

3. "Employee" includes a "leased worker". "Em-ployee" does not include a "temporary worker".

4. "Executive Officer" means a person holding any of the officer positions created by your charter, con-stitution, by-laws or any other similar governing document.

5. "Injury" means damages because of "bodily injury" and "property damage", including damages for care, loss of services or loss of support.

6. "Leased worker" means a person leased 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".

7. "Property damage" means:

a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or

b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it.

8. "Suit" means a civil proceeding in which damages because of "injury" to which this insurance applies are alleged. "Suit" includes:

a. An arbitration proceeding in which such dam-ages are claimed and to which the insured must submit or does submit with our consent;

or

b. Any other alternative dispute resolution pro-ceeding in which such damages are claimed and to which the insured submits with our con-sent.

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

Page 6 of 6 © ISO Properties, Inc., 2006 CG 00 33 12 07

10. "Your product":

a. Means:

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

(a) You;

(b) Others trading under your name; or

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

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

b. Includes:

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

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

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

COMMERCIAL GENERAL LIABILITY

CG 02 20 03 12

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 02 20 03 12 © Insurance Services Office, Inc., 2011 Page 1 of 2

FLORIDA CHANGES –

CANCELLATION AND NONRENEWAL

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

ELECTRONIC DATA LIABILITY COVERAGE PART

LIQUOR LIABILITY COVERAGE PART

POLLUTION LIABILITY COVERAGE PART

PRODUCT WITHDRAWAL COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

A. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following:

2. Cancellation Of Policies In Effect

a. For 90 Days Or Less If this policy has been in effect for 90 days or less, we may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation, accompanied by the reasons for cancellation, at least:

(1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or

(2) 20 days before the effective date of cancellation if we cancel for any other reason, except we may cancel immediately if there has been:

(a) A material misstatement or misrepresentation; or

(b) A failure to comply with the underwriting requirements established by the insurer.

b. For More Than 90 Days If this policy has been in effect for more than 90 days, we may cancel this policy only for one or more of the following reasons:

(1) Nonpayment of premium;

(2) The policy was obtained by a material misstatement;

(3) Failure to comply with underwriting requirements established by the insurer within 90 days of the effective date of coverage;

(4) A substantial change in the risk covered by the policy; or

(5) The cancellation is for all insureds under such policies for a given class of insureds.

If we cancel this policy for any of these reasons, we will mail or deliver to the first Named Insured written notice of cancellation, accompanied by the reasons for cancellation, at least:

(a) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or

(b) 45 days before the effective date of cancellation if we cancel for any of the other reasons stated in Paragraph 2.b.

B. Paragraph 3. of the Cancellation Common Policy Condition is replaced by the following:

3. We will mail or deliver our notice to the first Named Insured at the last mailing address known to us.

Page 2 of 2 © Insurance Services Office, Inc., 2011 CG 02 20 03 12

C. Paragraph 5. of the Cancellation Common Policy Condition is replaced by the following:

5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. If the return premium is not refunded with the notice of cancellation or when this policy is returned to us, we will mail the refund within 15 working days after the date cancellation takes effect, unless this is an audit policy.

If this is an audit policy, then, subject to your full cooperation with us or our agent in securing the necessary data for audit, we will return any premium refund due within 90 days of the date cancellation takes effect. If our audit is not completed within this time limitation, then we shall accept your own audit, and any premium refund due shall be mailed within 10 working days of receipt of your audit.

The cancellation will be effective even if we have not made or offered a refund.

D. The following is added and supersedes any other provision to the contrary:

Nonrenewal

1. If we decide not to renew this policy, we will mail or deliver to the first Named Insured written notice of nonrenewal, accompanied by the reason for nonrenewal, at least 45 days prior to the expiration of this policy.

2. Any notice of nonrenewal will be mailed or delivered to the first Named Insured at the last mailing address known to us. If notice is mailed, proof of mailing will be sufficient proof of notice.

IL 00 17 11 98

IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1

COMMON POLICY CONDITIONS

All Coverage Parts included in this policy are subject to the following conditions.

A. Cancellation

1. The first Named Insured shown in the Declara-tions may cancel this policy by mailing or de-livering to us advance written notice of cancel-lation.

2. We may cancel this policy by mailing or deliv-ering to the first Named Insured written notice of cancellation at least:

a. 10 days before the effective date of cancel-lation if we cancel for nonpayment of pre-mium; or

b. 30 days before the effective date of cancel-lation if we cancel for any other reason.

3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us.

4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date.

5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be ef-fective even if we have not made or offered a refund.

6. If notice is mailed, proof of mailing will be suf-ficient proof of notice.

B. Changes This policy contains all the agreements between you and us concerning the insurance afforded.

The first Named Insured shown in the Declara-tions is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy.

C. Examination Of Your Books And Records We may examine and audit your books and re-cords as they relate to this policy at any time dur-ing the policy period and up to three years after-ward.

D. Inspections And Surveys

1. We have the right to:

a. Make inspections and surveys at any time;

b. Give you reports on the conditions we find;

and

c. Recommend changes.

2. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to in-surability and the premiums to be charged. We do not make safety inspections. We do not un-dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions:

a. Are safe or healthful; or

b. Comply with laws, regulations, codes or standards.

3. Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations.

4. Paragraph 2. of this condition does not apply to any inspections, surveys, reports or recom-mendations we may make relative to certifica-tion, under state or municipal statutes, ordi-nances or regulations, of boilers, pressure ves-sels or elevators.

E. Premiums The first Named Insured shown in the Declara-tions:

1. Is responsible for the payment of all premiums;

and

2. Will be the payee for any return premiums we pay.

F. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named in-sured.

If you die, your rights and duties will be trans-ferred to your legal representative but only while acting within the scope of duties as your legal rep-resentative. Until your legal representative is ap-pointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property.

IL 00 21 09 08

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

IL 00 21 09 08 © ISO Properties, Inc., 2007 Page 1 of 2

NUCLEAR ENERGY LIABILITY EXCLUSION

ENDORSEMENT

(Broad Form)

COMMERCIAL AUTOMOBILE COVERAGE PART

COMMERCIAL GENERAL LIABILITY COVERAGE PART

FARM COVERAGE PART

LIQUOR LIABILITY COVERAGE PART

MEDICAL PROFESSIONAL LIABILITY COVERAGE PART

OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART

POLLUTION LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

RAILROAD PROTECTIVE LIABILITY COVERAGE PART

UNDERGROUND STORAGE TANK POLICY

1. The insurance does not apply:

A. Under any Liability Coverage, to "bodily injury" or "property damage":

(1) With respect to which an "insured" under the policy is also an insured under a nu-clear energy liability policy issued by Nu-clear Energy Liability Insurance Associa-tion, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Associa-tion of Canada or any of their successors, or would be an insured under any such pol-icy but for its termination upon exhaustion of its limit of liability; or

(2)…