2024-10-01 COI GL AL WC PL.pdf

The ACORD name and logo are registered marks of ACORD

CERTIFICATE HOLDER

© 1988-2014 ACORD CORPORATION. All rights reserved.

ACORD 25 (2014/01)

AUTHORIZED REPRESENTATIVE

CANCELLATION

DATE (MM/DD/YYYY)CERTIFICATE OF LIABILITY INSURANCE

LOCJECT

PRO-POLICY

GEN'L AGGREGATE LIMIT APPLIES PER:

OCCURCLAIMS-MADE

COMMERCIAL GENERAL LIABILITY

PREMISES (Ea occurrence) $

DAMAGE TO RENTED

EACH OCCURRENCE $

MED EXP (Any one person) $

PERSONAL & ADV INJURY $

GENERAL AGGREGATE $

PRODUCTS - COMP/OP AGG $

$RETENTIONDED

CLAIMS-MADE

OCCUR

AGGREGATE $

EACH OCCURRENCE $UMBRELLA LIAB

EXCESS LIAB

DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)

INSR

LTR TYPE OF INSURANCE POLICY NUMBER

POLICY EFF

(MM/DD/YYYY)

POLICY EXP

(MM/DD/YYYY) LIMITS

PER

STATUTE

OTH-

ER

E.L. EACH ACCIDENT

E.L. DISEASE - EA EMPLOYEE

E.L. DISEASE - POLICY LIMIT

ANY PROPRIETOR/PARTNER/EXECUTIVE

If yes, describe under DESCRIPTION OF OPERATIONS below

(Mandatory in NH)

OFFICER/MEMBER EXCLUDED?

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY Y / N

AUTOMOBILE LIABILITY

ANY AUTO

ALL OWNED SCHEDULED

HIRED AUTOS

NON-OWNED

AUTOS AUTOS

AUTOS

COMBINED SINGLE LIMIT

BODILY INJURY (Per person)

BODILY INJURY (Per accident)

PROPERTY DAMAGE $

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.

INSD

ADDL

WVD

SUBR

N / A

(Ea accident)

(Per accident)

OTHER:

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 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).

COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:

INSURED

PHONE

(A/C, No, Ext):

PRODUCER

ADDRESS:

E-MAIL

FAX

(A/C, No):

CONTACT

NAME:

NAIC #

INSURER A :

INSURER B :

INSURER C :

INSURER D :

INSURER E :

INSURER F :

INSURER(S) AFFORDING COVERAGE

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE

THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN

ACCORDANCE WITH THE POLICY PROVISIONS.

4,000,000

11000

2,000,000

19038 14974

Travelers Casualty and Surety Compa

1,000,000

Twin City Fire Insurance Company Sentinel Insurance Company

615-444-8509 615-444-8509

4,000,000

01/25/2025

C

01/25/2025

615-444-8859 615-444-8859

A

4,000,000

4,000,000

10,000 1,000,000

01/25/2023

10,000

1,000,000N

01/25/2023

20 SBM TO2843 DV

20 WEC ZT2658

2,000,000

01/25/23

Honsha, Inc.

1420 Montelena Court

Professional liability

01/25/2023

10/01/2022

BIS, Inc.

1,000,000

10/31/2024

01/25/2025

10/01/2025 $5,000 retention $2,000,000/$2,000,000

Consultant - Business and Management The State of Arizona, and its officers, directors, agents, subsidiaries, and employees are named as Additional Insured on a primary and non-contributory basis as included in policy form SS0008.0405 attached to this policy. Commercial General Liability insurance is written on a primary and non-contributory basis. Commercial General Liability, Automobile Liability and Workers Compensation policies contain a waiver of subrogation endorsement, as required by this written agreement, in favor of the State of Arizona, and its departments, agencies, boards, commissions, universities, officers, officials, agents, and employees for losses arising from work performed by or on behalf of the Contractor.

106376685

20 SBM TO2843 DV

Vista, CA 92084 a_beard@comcast.net

2,000,000

01/25/25

Lebanon, TN 37087

BIS, Inc.

834 Bradshaw Road

The State of Arizona/ ADOT 206 S. 17thnd Avenue Phoenix AZ 85007

20 SBM TO2843 DV

A

B

A a8812 Accepted

001 (CONTINUED ON NEXT PAGE)

11/14/23 01/25/25

TO

SBM

SENTINEL INSURANCE COMPANY, LIMITED

ONE HARTFORD PLAZA, HARTFORD, CT 06155

A

20 SBM TO2843 DV

HONSHA INC

535 WELLINGTON WAY STE 240

LEXINGTON KY 40503

01/25/25

SUE N SHRUM/PHS

246904

20 SBM TO2843

CORPORATION

NON-AUDITABLE

NONE

11/14/23

Form SS 00 02 12 06 Page Process Date: Policy Expiration Date:

This Spectrum Policy consists of the Declarations, Coverage Forms, Common Policy Conditions and any other Forms and Endorsements issued to be a part of the Policy. This insurance is provided by the stock insurance company of The Hartford Insurance Group shown below.

INSURER:

COMPANY CODE:

Policy Number:

SPECTRUM POLICY DECLARATIONS

Named Insured and Mailing Address:

(No., Street, Town, State, Zip Code)

Policy Period: From 01/25/24 To 1 YEAR 12:01 a.m., Standard time at your mailing address shown above. Exception: 12 noon in New Hampshire.

Name of Agent/Broker:

Code:

Previous Policy Number:

Named Insured is:

Audit Period:

Type of Property Coverage:

Insurance Provided: In return for the payment of the premium and subject to all of the terms of this policy, we agree with you to provide insurance as stated in this policy.

IN RECOGNITION OF THE MULTIPLE COVERAGES INSURED WITH THE HARTFORD, YOUR

POLICY PREMIUM INCLUDES AN ACCOUNT CREDIT.

Countersigned by Authorized Representative Date

11/14/23

20 SBM TO2843

001 001

1420 MONTELENA COURT

VISTA CA 92084

Consultant - Business and Management

NO COVERAGE

NO COVERAGE

NO COVERAGE

NO COVERAGE

MONEY AND SECURITIES

INSIDE THE PREMISES

OUTSIDE THE PREMISES

NO COVERAGE

NO COVERAGE

Form SS 00 02 12 06 Page Process Date:

002 (CONTINUED ON NEXT PAGE)

Policy Expiration Date: 01/25/25

SPECTRUM POLICY DECLARATIONS (Continued)

POLICY NUMBER:

Location(s), Building(s), Business of Named Insured and Schedule of Coverages for Premises as designated by Number below.

Location: Building:

Description of Business:

Deductible:

BUILDING AND BUSINESS PERSONAL PROPERTY LIMITS OF INSURANCE

BUILDING

BUSINESS PERSONAL PROPERTY

REPLACEMENT COST

PERSONAL PROPERTY OF OTHERS

REPLACEMENT COST

003 (CONTINUED ON NEXT PAGE)

11/14/23 01/25/25

20 SBM TO2843

$2,000,000

$ 10,000

$2,000,000

$1,000,000

$4,000,000

FORM SS 05 09

$4,000,000

BUSINESS LIABILITY OPTIONAL

COVERAGES

HIRED/NON-OWNED AUTO LIABILITY

UMBRELLA LIABILITY - SEE

SCHEDULE ATTACHED

$2,000,000

Form SS 00 02 12 06 Page Process Date: Policy Expiration Date:

SPECTRUM POLICY DECLARATIONS (Continued)

POLICY NUMBER:

BUSINESS LIABILITY LIMITS OF INSURANCE

LIABILITY AND MEDICAL EXPENSES

MEDICAL EXPENSES - ANY ONE PERSON

PERSONAL AND ADVERTISING INJURY

DAMAGES TO PREMISES RENTED TO YOU

ANY ONE PREMISES

AGGREGATE LIMITS

PRODUCTS-COMPLETED OPERATIONS

GENERAL AGGREGATE

20 SBM TO2843

ADDITIONAL INSURED - PERSON-ORGANIZATION

LOC 001 BLDG 001

STATE OF ARIZONA/ ADOT

206 S. 17THND AVENUE

PHOENIX, AZ 85007

STATE OF ARIZONA, AND ITS DEPARTMENTS, AGENCIES, BOARDS,

COMMISSIONS, UNIVERSITIES, OFFICERS, OFFICIALS, AGENTS, AND

EMPLOYEES AS ADDITIONAL INSURED, A BUSINESS WAIVER OF SUBROGATION

APPLIES.

003 001

01/25/25

POLICY NUMBER:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Printed in U.S.A. PageForm IH 12 00 11 85 T SEQ. NO.

Process Date: 11/14/23 Expiration Date:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

WAIVER OF SUBROGATION

This endorsement modifies insurance provided under the following:

BUSINESS LIABILITY COVERAGE FORM

We waive any right of recovery we may have against:

1. Any person or organization shown in the Declarations, or

2. Any person or organization with whom you have a contract that requires such waiver.

Form SS 12 15 03 00 Page 1 of 1

© 2000, The Hartford

(Policy Provisions: WC000000C)

INFORMATION PAGE

WORKERS COMPENSATION AND EMPLOYERS LIABILITY POLICY

(1) Printed in U.S.A.Form WC 00 00 01 A Process Date: 11/14/23

Page 1 (Continued on next page) Policy Expiration Date: 01/25/25

INSURER: SEE ATTACHED ENDORSEMENT

NCCI Company Number: 10448 Company Code: 9

Suffix

LARS RENEWAL

POLICY NUMBER: 20 WEC ZT2658 11

Previous Policy Number: 20 WEC ZT2658

1. Named Insured and Mailing Address:

(No., Street, Town, State, Zip Code)

HONSHA INC

535 WELLINGTON WAY STE 240

LEXINGTON KY 40503

FEIN Number: 27-1698932 State Identification Number(s): Refer to the EXTENSION OF THE INFORMATION PAGE – WC990365.

The Named Insured is: Corporation Business of Named Insured: All Other Business Support Services Other workplaces not shown above: See Endorsement - WC990366

2. Policy Period: From 01/25/24 To 01/25/25 ANNUAL 12:01 a.m., Standard time at the insured's mailing address.

Producer’s Name: SUE N SHRUM/PHS

834 BRADSHAW ROAD

LEBANON TN 37087

Producer’s Code: 20246904 Issuing Office: THE HARTFORD BUSINESS SERVICE CENTER

3600 WISEMAN BLVD

SAN ANTONIO TX 78251

(866) 467-8730

Audit Period: ANNUAL Installment Term: Full Pay (100%Down) The policy is not binding unless countersigned by our authorized representative.

Countersigned by 11/14/23 Authorized Representative Date

Form WC 99 03 68 Printed in U.S.A.

Process Date: 11/14/23 Policy Expiration Date: 01/25/25

EXTENSION OF THE INFORMATION PAGE - ITEM 3.D - ENDORSEMENTS

Endorsement Number:ZT2658Policy Number: 20 WEC Effective Date: 01/25/24 Effective hour is the same as stated on the Information Page of the policy.

Named Insured and Address: HONSHA INC

535 WELLINGTON WAY STE 240

LEXINGTON KY 40503

Item 3.D. of the Information Page is completed to include the following endorsements:

WC000000C WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY

WC000001A.1 INFORMATION PAGE

WC000001A.2 INFORMATION PAGE

WC000403 EXPERIENCE RATING MODIFICATION FACTOR ENDORSEMENT

WC000404 PENDING RATE CHANGE ENDORSEMENT

WC000414A 90-DAY REPORTING REQUIREMENT- NOTIFICATION OF CHANGE IN OWNERSHIP

ENDORSEMENT

WC000419 PREMIUM DUE DATE ENDORSEMENT

WC000421E CATASTROPHE (OTHER THAN CERTIFIED ACTS OF TERRORISM) PREMIUM

ENDORSEMENT

WC000422C TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE

ENDORSEMENT

WC000424 AUDIT NONCOMPLIANCE CHARGE ENDORSEMENT

WC040301BB POLICY AMENDATORY ENDORSEMENT - CALIFORNIA

WC040306 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT -

CALIFORNIA

WC040360B EMPLOYERS LIABILITY COVERAGE AMENDATORY ENDORSEMENT - CALIFORNIA

WC040421 OPTIONAL PREMIUM INCREASE ENDORSEMENT - CALIFORNIA

WC040422 CALIFORNIA SHORT-RATE CANCELLATION ENDORSEMENT

WC040601A CALIFORNIA CANCELLATION ENDORSEMENT

WC050402 COLORADO CLASSIFICATION ENDORSEMENT

Form WC 99 03 68 Printed in U.S.A. Process Date: 11/14/23 Policy Expiration Date: 01/25/25

EXTENSION OF THE INFORMATION PAGE - ITEM 3.D - ENDORSEMENTS

Endorsement Number:Policy Number: 20 WEC ZT2658 Effective Date: 01/25/24Effective hour is the same as stated on the Information Page of the policy.

Named Insured and Address: HONSHA INC

535 WELLINGTON WAY STE 240

LEXINGTON KY 40503

Item 3.D. of the Information Page is completed to include the following endorsements:

WC050403 COLORADO PREMIUM CREDIT FOR CERTIFIED RISK MANAGEMENT PROGRAMS

ENDORSEMENT

WC090303 FLORIDA EMPLOYERS LIABILITY COVERAGE ENDORSEMENT

WC090403C FLORIDA TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT

ENDORSEMENT

WC090407 FLORIDA NON-COOPERATION WITH PREMIUM AUDIT ENDORSEMENT

WC090408A FLORIDA INSUFFICIENT FUNDS ENDORSEMENT

WC090606 FLORIDA EMPLOYMENT AND WAGE INFORMATION RELEASE ENDORSEMENT

WC090607A FLORIDA INSURANCE GUARANTY ASSOCIATION SURCHARGE ENDORSEMENT

NOTIFICATION

WC160305 KENTUCKY PART ONE WORKERS' COMPENSATION INSURANCE ENDORSEMENT

WC160601 KENTUCKY CANCELLATION AND NON-RENEWAL ENDORSEMENT

WC160602 KENTUCKY NOTICE OF APPEAL RIGHTS ENDORSEMENT

WC390601 SOUTH CAROLINA CANCELLATION AND NONRENEWAL ENDORSEMENT

WC420301J TEXAS AMENDATORY ENDORSEMENT

WC420407 TEXAS - AUDIT PREMIUM AND RETROSPECTIVE PREMIUM ENDORSEMENT

WC550011D Employees Claim for Workers compensation Benefits

WC550022A NOTICE TO WORKERS' COMPENSATION POLICYHOLDERS IN TEXAS LETTER

WC660189 Copyright Page WC880400I Notice to Employees - Injuries Caused By Work (TITLE IN SPANISH)

Form WC 99 03 68 Printed in U.S.A.

Process Date: 11/14/23 Policy Expiration Date: 01/25/25

EXTENSION OF THE INFORMATION PAGE - ITEM 3.D - ENDORSEMENTS

Endorsement Number:ZT2658Policy Number: 20 WEC Effective Date: 01/25/24 Effective hour is the same as stated on the Information Page of the policy.

Named Insured and Address: HONSHA INC

535 WELLINGTON WAY STE 240

LEXINGTON KY 40503

Item 3.D. of the Information Page is completed to include the following endorsements:

WC880401I Notice to Employees - Injuries Caused By Work WC990001J Signature/Copyright

WC990002 WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY BUSINESS INSURANCE

POLICY

WC990005 SCHEDULE OF OPERATIONS

WC990069 AMENDATORY ENDORSEMENT - COLORADO

WC990188 COVID-19 REPORTING REQUIREMENT ENDORSEMENT - CALIFORNIA

WC990300B WORKERS' COMPENSATION BROAD FORM ENDORSEMENT

WC990302B WORKERS COMPENSATION BROAD FORM ENDORSEMENT

WC990358B AMENDMENT TO WORKERS COMPENSATION BROAD FORM ENDORSEMENT -

EMPLOYERS LIABILITY STOP GAP COVERAGE

WC990359B AMENDMENT TO WORKERS COMPENSATION BROAD FORM ENDORSEMENT -

EMPLOYERS LIABILITY STOP GAP COVERAGE

WC990366 EXTENSION OF THE INFORMATION PAGE - ITEM 1 - OTHER WORKPLACES

WC990367 EXTENSION OF THE INFORMATION PAGE - ITEM 3.A - STATES COVERED

WC990368 EXTENSION OF THE INFORMATION PAGE - ITEM 3.D. - ENDORSEMENTS

WC990375 CALIFORNIA INSTALLMENT FEE DISCLOSURE ENDORSEMENT

WC990689 GOODS AND SERVICES ENDORSEMENT

WC990694 GOODS AND SERVICES ENDORSEMENT

WC990696 Signature Page

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Countersigned by Authorized Representative

(1) Printed in U.S.A.Form WC 04 03 06 Process Date: 11/14/23 Policy Expiration Date: 01/25/25

WAIVER OF OUR RIGHT TO RECOVER FROM

OTHERS ENDORSEMENT - CALIFORNIA

Endorsement Number:Policy Number: 20 WEC ZT2658 Effective Date: 01/25/24Effective hour is the same as stated on the Information Page of the policy.

Named Insured and Address: HONSHA INC

535 WELLINGTON WAY STE 240

LEXINGTON KY 40503

We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.)

You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule.

The additional premium for this endorsement shall be 5 % of the California workers' compensation premium otherwise due on such remuneration.

SCHEDULE

Job DescriptionPerson or Organization

STATE OF ARIZONA/ADOT, 206 S. 17TH AVENUE,

PHOENIX, AZ 85007

BUSINESS LIABILITY COVERAGE FORM

Form SS 00 08 04 05 © 2005, The Hartford

QUICK REFERENCE

READ YOUR POLICY CAREFULLY

BUSINESS LIABILITY COVERAGE FORM Beginning on Page

A. COVERAGES 1

1Business Liability 2Medical Expenses 2Coverage Extension - Supplementary Payments

B. EXCLUSIONS 3

C. WHO IS AN INSURED 10

D. LIABILITY AND MEDICAL EXPENSES

LIMITS OF INSURANCE 14

E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 15

1. 15Bankruptcy

2. 15Duties In The Event Of Occurrence, Offense, Claim Or Suit

3. 16Financial Responsibility Laws

4. 16Legal Action Against Us

5. 16Separation Of Insureds

6. 16Representations

7. 16Other Insurance

8. 17Transfer Of Rights Of Recovery Against Others To Us

F. OPTIONAL ADDITIONAL INSURED COVERAGES 18

18Additional Insureds

G. LIABILITY AND MEDICAL EXPENSES DEFINITIONS 20

Form SS 00 08 04 05

ABCDEFGHIJ

Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we", "us" and "our" refer to the stock insurance company member of The Hartford providing this insurance.

CThe word "insured" means any person or organization qualifying as such under Section . - Who Is An Insured.

GOther words and phrases that appear in quotation marks have special meaning. Refer to Section . - Liability And Medical Expenses Definitions.

(a) The "bodily injury" or "propertyA. COVERAGES damage" is caused by an1. BUSINESS LIABILITY COVERAGE (BODILY "occurrence" that takes place in theINJURY, PROPERTY DAMAGE, PERSONAL "coverage territory";AND ADVERTISING INJURY)

(b) The "bodily injury" or "propertyInsuring Agreement damage" occurs during the policy

a. We will pay those sums that the insured period; and becomes legally obligated to pay as (c) Prior to the policy period, no insured damages because of "bodily injury", 1.listed under Paragraph of Section "property damage" or "personal and C. – Who Is An Insured and no advertising injury" to which this insurance "employee" authorized by you to give applies. We will have the right and duty to or receive notice of an "occurrence" defend the insured against any "suit" or claim, knew that the "bodily injury" seeking those damages. However, we will or "property damage" had occurred, have no duty to defend the insured against in whole or in part. If such a listed any "suit" seeking damages for "bodily insured or authorized "employee" injury", "property damage" or "personal and knew, prior to the policy period, that advertising injury" to which this insurance the "bodily injury" or "property does not apply. damage" occurred, then any We may, at our discretion, investigate any continuation, change or resumption "occurrence" or offense and settle any claim of such "bodily injury" or "property or "suit" that may result. But: damage" during or after the policy period will be deemed to have been(1) The amount we will pay for damages is known prior to the policy period.D.limited as described in Section -

(2) To "personal and advertising injury"Liability And Medical Expenses Limits caused by an offense arising out of yourOf Insurance; and business, but only if the offense was(2) Our right and duty to defend ends when committed in the "coverage territory"we have used up the applicable limit of during the policy period.insurance in the payment of judgments,

c. "Bodily injury" or "property damage" will besettlements or medical expenses to which deemed to have been known to havethis insurance applies.

occurred at the earliest time when anyNo other obligation or liability to pay sums or

1.insured listed under Paragraph of Sectionperform acts or services is covered unless C. – Who Is An Insured or any "employee"explicitly provided for under Coverage authorized by you to give or receive noticeExtension - Supplementary Payments.

of an "occurrence" or claim:

b. This insurance applies:

(1) Reports all, or any part, of the "bodily

(1) To "bodily injury" and "property injury" or "property damage" to us or damage" only if: any other insurer;

Form SS 00 08 04 05 Page 1 of 24 © 2005, The Hartford

(2) b.Receives a written or verbal demand or We will make these payments regardless of claim for damages because of the "bodily fault. These payments will not exceed the injury" or "property damage"; or applicable limit of insurance. We will pay reasonable expenses for:(3) Becomes aware by any other means that (1)"bodily injury" or "property damage" has First aid administered at the time of an occurred or has begun to occur. accident;

d. (2)Damages because of "bodily injury" include Necessary medical, surgical, x-ray and damages claimed by any person or dental services, including prosthetic organization for care, loss of services or devices; and death resulting at any time from the "bodily (3) Necessary ambulance, hospital, injury". professional nursing and funeral

e. Incidental Medical Malpractice services.

(1) "Bodily injury" arising out of the 3. COVERAGE EXTENSION -rendering of or failure to render SUPPLEMENTARY PAYMENTS professional health care services as a a. We will pay, with respect to any claim or physician, dentist, nurse, emergency "suit" we investigate or settle, or any "suit" medical technician or paramedic shall against an insured we defend:

be deemed to be caused by an

(1) All expenses we incur."occurrence", but only if:

(2) Up to $1,000 for the cost of bail bonds(a) The physician, dentist, nurse, required because of accidents or trafficemergency medical technician or law violations arising out of the use ofparamedic is employed by you to any vehicle to which Business Liabilityprovide such services; and Coverage for "bodily injury" applies. We

(b) You are not engaged in the do not have to furnish these bonds.

business or occupation of providing

(3) The cost of appeal bonds or bonds tosuch services.

release attachments, but only for bond

(2) For the purpose of determining the amounts within the applicable limit of limits of insurance for incidental medical insurance. We do not have to furnish malpractice, any act or omission these bonds.

together with all related acts or

(4) All reasonable expenses incurred by theomissions in the furnishing of these insured at our request to assist us in theservices to any one person will be investigation or defense of the claim orconsidered one "occurrence".

"suit", including actual loss of earnings

2. MEDICAL EXPENSES up to $500 a day because of time off Insuring Agreement from work.

a. We will pay medical expenses as described (5) All costs taxed against the insured in below for "bodily injury" caused by an the "suit".

accident: (6) Prejudgment interest awarded against

(1) On premises you own or rent; the insured on that part of the judgment we pay. If we make an offer to pay the(2) On ways next to premises you own or applicable limit of insurance, we will notrent; or pay any prejudgment interest based on(3) Because of your operations;

that period of time after the offer.

provided that:

(7) All interest on the full amount of any

(1) The accident takes place in the judgment that accrues after entry of the "coverage territory" and during the judgment and before we have paid, policy period; offered to pay, or deposited in court the part of the judgment that is within the(2) The expenses are incurred and reported applicable limit of insurance.to us within three years of the date of the accident; and (1) (7)Any amounts paid under through above will not reduce the limits of insurance.(3) The injured person submits to examination, at our expense, by physicians of our choice as often as we reasonably require.

Page 2 of 24 Form SS 00 08 04 05

b. If we defend an insured against a "suit" So long as the above conditions are met, and an indemnitee of the insured is also attorneys' fees incurred by us in the named as a party to the "suit", we will defense of that indemnitee, necessary defend that indemnitee if all of the litigation expenses incurred by us and following conditions are met: necessary litigation expenses incurred by the indemnitee at our request will be(1) The "suit" against the indemnitee paid as Supplementary Payments.seeks damages for which the insured has assumed the liability of the Notwithstanding the provisions of 1.b.(b) B.indemnitee in a contract or agreement Paragraph of Section – that is an "insured contract"; Exclusions, such payments will not be deemed to be damages for "bodily (2) This insurance applies to such liability injury" and "property damage" and will assumed by the insured;

not reduce the Limits of Insurance.

(3) The obligation to defend, or the cost of Our obligation to defend an insured's the defense of, that indemnitee, has indemnitee and to pay for attorneys' fees also been assumed by the insured in and necessary litigation expenses as the same "insured contract";

Supplementary Payments ends when:

(4) The allegations in the "suit" and the

(1) We have used up the applicable limitinformation we know about the of insurance in the payment of"occurrence" are such that no conflict judgments or settlements; orappears to exist between the interests

(2)of the insured and the interest of the The conditions set forth above, or the indemnitee; terms of the agreement described in

(6)Paragraph above, are no longer met.(5) The indemnitee and the insured ask us to conduct and control the defense B. EXCLUSIONS of that indemnitee against such "suit" 1. Applicable To Business Liability Coverage and agree that we can assign the

This insurance does not apply to:same counsel to defend the insured and the indemnitee; and a. Expected Or Intended Injury

(6) The indemnitee: (1) "Bodily injury" or "property damage" expected or intended from the(a) Agrees in writing to:

standpoint of the insured. This(i) Cooperate with us in the exclusion does not apply to "bodily investigation, settlement or injury" or "property damage" resulting defense of the "suit";

from the use of reasonable force to

(ii) Immediately send us copies of protect persons or property; or any demands, notices, (2) "Personal and advertising injury" arising summonses or legal papers out of an offense committed by, at the received in connection with direction of or with the consent or the "suit";

acquiescence of the insured with the

(iii) Notify any other insurer whose expectation of inflicting "personal and coverage is available to the advertising injury".

indemnitee; and b. Contractual Liability

(iv) Cooperate with us with (1) "Bodily injury" or "property damage"; or respect to coordinating other

(2) "Personal and advertising injury"applicable insurance available to the indemnitee; and for which the insured is obligated to pay damages by reason of the assumption of(b) Provides us with written liability in a contract or agreement.authorization to:

This exclusion does not apply to liability (i) Obtain records and other for damages because of:information related to the

"suit"; and (a) "Bodily injury", "property damage" or "personal and advertising injury" that(ii) Conduct and control the the insured would have in thedefense of the indemnitee in absence of the contract orsuch "suit".

agreement; or

Form SS 00 08 04 05 Page 3 of 24

(b) (b)"Bodily injury" or "property damage" Performing duties related to the assumed in a contract or agreement conduct of the insured’s business, or that is an "insured contract", (2) The spouse, child, parent, brother or provided the "bodily injury" or sister of that "employee" as a "property damage" occurs (1)consequence of above.

subsequent to the execution of the This exclusion applies:

contract or agreement. Solely for

(1) Whether the insured may be liable asthe purpose of liability assumed in an employer or in any other capacity;an "insured contract", reasonable andattorneys' fees and necessary litigation expenses incurred by or for (2) To any obligation to share damages a party other than an insured are with or repay someone else who must deemed to be damages because of pay damages because of the injury.

"bodily injury" or "property damage" This exclusion does not apply to liability provided: assumed by the insured under an "insured

(i) Liability to such party for, or for contract".

the cost of, that party’s defense f. Pollution has also been assumed in the

(1) "Bodily injury", "property damage" orsame "insured contract", and "personal and advertising injury"

(ii) Such attorneys' fees and arising out of the actual, alleged or litigation expenses are for threatened discharge, dispersal, defense of that party against a seepage, migration, release or escape civil or alternative dispute of "pollutants":

resolution proceeding in which

(a) At or from any premises, site ordamages to which this location which is or was at anyinsurance applies are alleged.

time owned or occupied by, or

c. Liquor Liability rented or loaned to any insured.

"Bodily injury" or "property damage" for However, this subparagraph does which any insured may be held liable by not apply to:

reason of: (i) "Bodily injury" if sustained within

(1) Causing or contributing to the a building and caused by intoxication of any person; smoke, fumes, vapor or soot produced by or originating from(2) The furnishing of alcoholic beverages to equipment that is used to heat,a person under the legal drinking age or cool or dehumidify the building,under the influence of alcohol; or or equipment that is used to

(3) Any statute, ordinance or regulation heat water for personal use, by relating to the sale, gift, distribution or the building's occupants or their use of alcoholic beverages. guests;

This exclusion applies only if you are in the (ii) "Bodily injury" or "property business of manufacturing, distributing, damage" for which you may be selling, serving or furnishing alcoholic held liable, if you are a beverages. contractor and the owner or

d. Workers' Compensation And Similar lessee of such premises, site or Laws location has been added to your Any obligation of the insured under a policy as an additional insured workers' compensation, disability benefits with respect to your ongoing or unemployment compensation law or operations performed for that any similar law. additional insured at that premises, site or location ande. Employer’s Liability such premises, site or location"Bodily injury" to:

is not and never was owned or

(1) An "employee" of the insured arising occupied by, or rented or out of and in the course of: loaned to, any insured, other

(a) Employment by the insured; or than that additional insured; or

Page 4 of 24 Form SS 00 08 04 05

(iii) "Bodily injury" or "property released as part of the damage" arising out of heat, operations being performed smoke or fumes from a by such insured, contractor or "hostile fire"; subcontractor;

(b) (ii)At or from any premises, site or "Bodily injury" or "property location which is or was at any damage" sustained within a time used by or for any insured or building and caused by the others for the handling, storage, release of gases, fumes or disposal, processing or treatment vapors from materials brought of waste; into that building in connection with operations being performed(c) Which are or were at any time by you or on your behalf by atransported, handled, stored, contractor or subcontractor; ortreated, disposed of, or processed

(iii)as waste by or for: "Bodily injury" or "property damage" arising out of heat,(i) Any insured; or smoke or fumes from a

(ii) Any person or organization for "hostile fire"; or whom you may be legally

(e) At or from any premises, site orresponsible;

location on which any insured or any

(d) At or from any premises, site or contractors or subcontractors location on which any insured or working directly or indirectly on any any contractors or subcontractors insured’s behalf are performing working directly or indirectly on operations if the operations are to any insured's behalf are test for, monitor, clean up, remove, performing operations if the contain, treat, detoxify or neutralize, "pollutants" are brought on or to or in any way respond to, or assess the premises, site or location in the effects of, "pollutants".

connection with such operations

(2) Any loss, cost or expense arising outby such insured, contractor or of any:subcontractor. However, this (a)subparagraph does not apply to: Request, demand, order or statutory or regulatory requirement that any(i) "Bodily injury" or "property insured or others test for, monitor,damage" arising out of the clean up, remove, contain, treat,escape of fuels, lubricants or detoxify or neutralize, or in any wayother operating fluids which are respond to, or assess the effects of,needed to perform the normal "pollutants"; orelectrical, hydraulic or

(b)mechanical functions Claim or suit by or on behalf of a necessary for the operation of governmental authority for "mobile equipment" or its parts, damages because of testing for, if such fuels, lubricants or other monitoring, cleaning up, removing, operating fluids escape from a containing, treating, detoxifying or vehicle part designed to hold, neutralizing, or in any way store or receive them. This responding to, or assessing the exception does not apply if the effects of, "pollutants".

"bodily injury" or "property However, this paragraph does not damage" arises out of the apply to liability for damages because intentional discharge, dispersal of "property damage" that the insured or release of the fuels, would have in the absence of such lubricants or other operating request, demand, order or statutory or fluids, or if such fuels, regulatory requirement, or such claim lubricants or other operating or "suit" by or on behalf of a fluids are brought on or to the governmental authority.

premises, site or location with the intent that they be discharged, dispersed or

Form SS 00 08 04 05 Page 5 of 24

g. Aircraft, Auto Or Watercraft (2) The use of "mobile equipment" in, or while in practice or preparation for, a"Bodily injury" or "property damage" arising prearranged racing, speed orout of the ownership, maintenance, use or demolition contest or in any stuntingentrustment to others of any aircraft, "auto" activity.or watercraft owned or operated by or rented

i. Waror loaned to any insured. Use includes operation and "loading or unloading". "Bodily injury", "property damage" or This exclusion applies even if the claims "personal and advertising injury", however against any insured allege negligence or caused, arising, directly or indirectly, out of:

other wrongdoing in the supervision, hiring, (1) War, including undeclared or civil war;

employment, training or monitoring of others

(2) Warlike action by a military force,by that insured, if the "occurrence" which including action in hindering orcaused the "bodily injury" or "property defending against an actual ordamage" involved the ownership, expected attack, by any government,maintenance, use or entrustment to others of sovereign or other authority usingany aircraft, "auto" or watercraft that is military personnel or other agents; orowned or operated by or rented or loaned to

(3) Insurrection, rebellion, revolution,any insured.

usurped power, or action taken byThis exclusion does not apply to:

governmental authority in hindering or

(1) A watercraft while ashore on premises defending against any of these.

you own or rent;

j. Professional Services

(2) A watercraft you do not own that is: "Bodily injury", "property damage" or

(a) Less than 51 feet long; and "personal and advertising injury" arising out of the rendering of or failure to render(b) Not being used to carry persons any professional service. This includesfor a charge;

but is not limited to:(3) Parking an "auto" on, or on the ways

(1) Legal, accounting or advertisingnext to, premises you own or rent, services;provided the "auto" is not owned by or rented or loaned to you or the insured; (2) Preparing, approving, or failing to prepare or approve maps, shop(4) Liability assumed under any "insured drawings, opinions, reports, surveys,contract" for the ownership, field orders, change orders, designs ormaintenance or use of aircraft or drawings and specifications;watercraft;

(3) Supervisory, inspection, architectural(5) "Bodily injury" or "property damage" or engineering activities;arising out of the operation of any of f.(2)the equipment listed in Paragraph (4) Medical, surgical, dental, x-ray or f.(3)or of the definition of "mobile nursing services treatment, advice or equipment"; or instruction;

(6) An aircraft that is not owned by any (5) Any health or therapeutic service insured and is hired, chartered or loaned treatment, advice or instruction;

with a paid crew. However, this (6) Any service, treatment, advice or exception does not apply if the insured instruction for the purpose of has any other insurance for such "bodily appearance or skin enhancement, hair injury" or "property damage", whether removal or replacement or personal the other insurance is primary, excess, grooming;

contingent or on any other basis.

(7) Optical or hearing aid services

h. Mobile Equipment including the prescribing, preparation, "Bodily injury" or "property damage" fitting, demonstration or distribution of arising out of: ophthalmic lenses and similar products or hearing aid devices;(1) The transportation of "mobile equipment" by an "auto" owned or operated by or rented or loaned to any insured; or

Page 6 of 24 Form SS 00 08 04 05

(8) (1) (3) (4)Optometry or optometric services Paragraphs , and of this including but not limited to examination exclusion do not apply to "property of the eyes and the prescribing, damage" (other than damage by fire) to preparation, fitting,demonstration or premises, including the contents of such distribution of ophthalmic lenses and premises, rented to you for a period of 7 or similar products; fewer consecutive days. A separate Limit of Insurance applies to Damage To (9) Any:

Premises Rented To You as described in

(a) Body piercing (not including ear D.Section - Limits Of Insurance.

piercing);

(2)Paragraph of this exclusion does not

(b) Tattooing, including but not limited apply if the premises are "your work" and to the insertion of pigments into or were never occupied, rented or held for under the skin; and rental by you.

(c) Similar services; (3) (4)Paragraphs and of this exclusion do

(10) Services in the practice of pharmacy; not apply to the use of elevators.

and (3) (4) (5) (6)Paragraphs , , and of this

(11) Computer consulting, design or exclusion do not apply to liability assumed programming services, including web under a sidetrack agreement.

site design. (3) (4)Paragraphs and of this exclusion do

(4) (5)Paragraphs and of this exclusion do not apply to "property damage" to not apply to the Incidental Medical borrowed equipment while not being used Malpractice coverage afforded under to perform operations at a job site.

1.e. A.Paragraph in Section - Coverages. (6)Paragraph of this exclusion does not

k. Damage To Property apply to "property damage" included in the

"products-completed operations hazard"."Property damage" to:

l. Damage To Your Product(1) Property you own, rent or occupy, including any costs or expenses "Property damage" to "your product" incurred by you, or any other person, arising out of it or any part of it.

organization or entity, for repair, m. Damage To Your Work replacement, enhancement, "Property damage" to "your work" arisingrestoration or maintenance of such out of it or any part of it and included in theproperty for any reason, including "products-completed operations hazard".prevention of injury to a person or damage to another's property; This exclusion does not apply if the damaged work or the work out of which(2) Premises you sell, give away or the damage arises was performed on yourabandon, if the "property damage" arises behalf by a subcontractor.out of any part of those premises;

n. Damage To Impaired Property Or(3) Property loaned to you;

Property Not Physically Injured

(4) Personal property in the care, custody "Property damage" to "impaired property"or control of the insured;

or property that has not been physically

(5) That particular part of real property on injured, arising out of:

which you or any contractors or

(1) A defect, deficiency, inadequacy orsubcontractors working directly or dangerous condition in "your product"indirectly on your behalf are performing or "your work"; oroperations, if the "property damage"

(2)arises out of those operations; or A delay or failure by you or anyone acting on your behalf to perform a(6) That particular part of any property contract or agreement in accordancethat must be restored, repaired or with its terms.replaced because "your work" was incorrectly performed on it. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to "your product" or "your work" after it has been put to its intended use.

Form SS 00 08 04 05 Page 7 of 24

o. Recall Of Products, Work Or Impaired (c) Title of any literary or artistic work;

Property (8) Arising out of an offense committed by Damages claimed for any loss, cost or an insured whose business is:

(a)expense incurred by you or others for the Advertising, broadcasting, loss of use, withdrawal, recall, inspection, publishing or telecasting;

repair, replacement, adjustment, removal (b) Designing or determining content or disposal of: of web sites for others; or

(1) "Your product"; (c) An Internet search, access,

(2) "Your work"; or content or service provider.

(3) "Impaired property"; However, this exclusion does not if such product, work or property is a. b. c.apply to Paragraphs , and withdrawn or recalled from the market or under the definition of "personal and from use by any person or organization G.advertising injury" in Section – because of a known or suspected defect, Liability And Medical Expenses deficiency, inadequacy or dangerous Definitions.

condition in it. For the purposes of this exclusion,

p. Personal And Advertising Injury placing an "advertisement" for or linking to others on your web site, by "Personal and advertising injury":

itself, is not considered the business

(1) Arising out of oral, written or electronic of advertising, broadcasting, publication of material, if done by or at publishing or telecasting;

the direction of the insured with

(9) Arising out of an electronic chat roomknowledge of its falsity;

or bulletin board the insured hosts,

(2) Arising out of oral, written or electronic owns, or over which the insured publication of material whose first exercises control;

publication took place before the

(10) Arising out of the unauthorized use ofbeginning of the policy period;

another's name or product in your e-mail

(3) Arising out of a criminal act committed address, domain name or metatags, or by or at the direction of the insured; any other similar tactics to mislead

(4) Arising out of any breach of contract, another's potential customers;

except an implied contract to use (11) Arising out of the violation of a another’s "advertising idea" in your person's right of privacy created by "advertisement"; any state or federal act.

(5) Arising out of the failure of goods, However, this exclusion does not products or services to conform with apply to liability for damages that the any statement of quality or insured would have in the absence of performance made in your such state or federal act;

"advertisement";

(12) Arising out of:

(6) Arising out of the wrong description of

(a) An "advertisement" for others onthe price of goods, products or services;

your web site;

(7) Arising out of any violation of any

(b) Placing a link to a web site ofintellectual property rights such as others on your web site;copyright, patent, trademark, trade name, trade secret, service mark or (c) Content from a web site of others other designation of origin or displayed within a frame or border authenticity. on your web site. Content includes information, code, sounds, text,However, this exclusion does not graphics or images; orapply to infringement, in your

"advertisement", of (d) Computer code, software or programming used to enable:(a) Copyright;

(i) Your web site; or(b) Slogan, unless the slogan is also a trademark, trade name, service (ii) The presentation or functionality mark or other designation of origin of an "advertisement" or other or authenticity; or content on your web site;

Page 8 of 24 Form SS 00 08 04 05

(13) (a)Arising out of a violation of any anti- May be awarded or incurred by trust law; reason of any claim or suit alleging actual or threatened injury(14) Arising out of the fluctuation in price or or damage of any nature or kind tovalue of any stocks, bonds or other persons or property which wouldsecurities; or not have occurred in whole or in

(15) Arising out of discrimination or part but for the "asbestos hazard";

humiliation committed by or at the

(b) Arise out of any request, demand,direction of any "executive officer", order or statutory or regulatorydirector, stockholder, partner or requirement that any insured ormember of the insured.

others test for, monitor, clean up,

q. Electronic Data remove, encapsulate, contain, Damages arising out of the loss of, loss of treat, detoxify or neutralize or in use of, damage to, corruption of, inability any way respond to or assess the to access, or inability to manipulate effects of an "asbestos hazard"; or "electronic data". (c) Arise out of any claim or suit for

r. Employment-Related Practices damages because of testing for, monitoring, cleaning up, removing,"Bodily injury" or "personal and advertising encapsulating, containing, treating,injury" to:

detoxifying or neutralizing or in any(1) A person arising out of any:

way responding to or assessing the

(a) Refusal to employ that person; effects of an "asbestos hazard".

(b) Termination of that person's t. Violation Of Statutes That Govern E-employment; or Mails, Fax, Phone Calls Or Other Methods Of Sending Material Or(c) Employment-related practices, Informationpolicies, acts or omissions, such as coercion, demotion, evaluation, "Bodily injury", "property damage", or reassignment, discipline, "personal and advertising injury" arising defamation, harassment, humiliation directly or indirectly out of any action or or discrimination directed at that omission that violates or is alleged to person; or violate:

(2) The spouse, child, parent, brother or (1) The Telephone Consumer Protection sister of that person as a Act (TCPA), including any amendment consequence of "bodily injury" or of or addition to such law;

"personal and advertising injury" to the (2) The CAN-SPAM Act of 2003, including person at whom any of the any amendment of or addition to such employment-related practices law; or(a) (b) (c)described in Paragraphs , , or

(3) Any statute, ordinance or regulation,above is directed.

other than the TCPA or CAN-SPAM Act This exclusion applies:

of 2003, that prohibits or limits the

(1) Whether the insured may be liable as sending, transmitting, communicating or an employer or in any other capacity; distribution of material or information.

and Damage To Premises Rented To You –

(2) To any obligation to share damages Exception For Damage By Fire, Lightning with or repay someone else who must or Explosion pay damages because of the injury. c. h. k. o.Exclusions through and through do

s. Asbestos not apply to damage by fire, lightning or explosion to premises rented to you or (1) "Bodily injury", "property damage" or temporarily occupied by you with permission of "personal and advertising injury" the owner. A separate Limit of Insurance arising out of the "asbestos hazard".

applies to this coverage as described in (2) Any damages, judgments, settlements, D.Section - Liability And Medical Expensesloss, costs or expenses that:

Limits Of Insurance.

Form SS 00 08 04 05 Page 9 of 24

2. Applicable To Medical Expenses Coverage e. A trust, you are an insured. Your trustees are also insureds, but only with respect toWe will not pay expenses for "bodily injury":

their duties as trustees.

a. Any Insured

2. Each of the following is also an insured:To any insured, except "volunteer workers".

a. Employees And Volunteer Workersb. Hired Person Your "volunteer workers" only whileTo a person hired to do work for or on behalf performing duties related to the conduct ofof any insured or a tenant of any insured.

your business, or your "employees", other

c. Injury On Normally Occupied Premises than either your "executive officers" (if you To a person injured on that part of are an organization other than a premises you own or rent that the person partnership, joint venture or limited liability normally occupies. company) or your managers (if you are a limited liability company), but only for actsd. Workers' Compensation And Similar within the scope of their employment byLaws you or while performing duties related to

To a person, whether or not an the conduct of your business.

"employee" of any insured, if benefits for However, none of these "employees" orthe "bodily injury" are payable or must be "volunteer workers" are insureds for:provided under a workers' compensation or disability benefits law or a similar law. (1) "Bodily injury" or "personal and advertising injury":e. Athletics Activities

(a) To you, to your partners orTo a person injured while practicing, members (if you are a partnershipinstructing or participating in any physical or joint venture), to your membersexercises or games, sports or athletic (if you are a limited liabilitycontests.

company), or to a co-"employee"f. Products-Completed Operations Hazard while in the course of his or her

Included with the "products-completed employment or performing duties operations hazard". related to the conduct of your business, or to your otherg. Business Liability Exclusions "volunteer workers" while Excluded under Business Liability Coverage.

performing duties related to the

C. WHO IS AN INSURED conduct of your business;

1. If you are designated in the Declarations as: (b) To the spouse, child, parent, brother or sister of that co-a. An individual, you and your spouse are "employee" or that "volunteerinsureds, but only with respect to the worker" as a consequence ofconduct of a business of which you are the

(1)(a)Paragraph above;sole owner.

(c) For which there is any obligationb. A partnership or joint venture, you are an to share damages with or repayinsured. Your members, your partners, and someone else who must paytheir spouses are also insureds, but only with damages because of the injuryrespect to the conduct of your business.

(1)(a)described in Paragraphs orc. A limited liability company, you are an (b) above; or insured. Your members are also insureds,

(d) Arising out of his or her providingbut only with respect to the conduct of your or failing to provide professionalbusiness. Your managers are insureds, but health care services.only with respect to their duties as your managers. If you are not in the business of providing professional health cared. An organization other than a partnership, (d)services, Paragraph does not applyjoint venture or limited liability company, you to any nurse, emergency medicalare an insured. Your "executive officers" and technician or paramedic employed bydirectors are insureds, but only with respect you to provide such services.to their duties as your officers or directors.

Your stockholders are also insureds,…