ADOT_Arizona-Dept-of-Tra_AM-Signal_-LLC_25-26-GL-Auto-U_4-4-2025_1823336678_1.pdf

PDF 711 KB Posted Apr 24, 2024

Attached to: Master Agreement AZ|CTR071344
Contract number: CTR071344
Issued by: Arizona

About this file

Written by GovTribe AI · Sep 18, 2025

This document is a Certificate of Liability Insurance for AM Signal, LLC, located in Littleton, Colorado, with Arthur J. Gallagher Risk Management Services, LLC as the producer. The certificate names the State of Arizona, specifically the Arizona Department of Transportation Procurement Group, as the certificate holder. The insurance is provided by multiple carriers including WCF National Insurance Company, BCS Insurance Company, Scottsdale Insurance Company, and Liberty Insurance Corporation.

The insurance policy covers commercial general liability, automobile liability, workers' compensation, business personal property, cyber liability, and excess cyber coverage. The policy is effective from 2/28/2025 to 2/28/2026, with various coverage limits. For business personal property, the limit is $15,000 with a $5,000 deductible. Cyber liability provides a total limit of $5,000,000. The State of Arizona is named as an additional insured on a primary and non-contributory basis, with a waiver of subrogation applying to general and auto liability. The policy provides comprehensive coverage for AM Signal, LLC's business operations, including protection against potential liability and property damage.

View the file

Other files

File	Type	Posted
CTR071344_Contract_Documents.pdf	PDF	Apr 24, 2024
CTR071344_Price_Increase_Determination.pdf	PDF	Apr 24, 2024
CTR071344_Contract_Amendment_Summary__2.pdf	PDF	Apr 24, 2024
CTR071344_Contract_Amendment_Summary_1.pdf	PDF	Apr 24, 2024
CTR071344_Contract_Amendment_Summary_2.pdf	PDF	Apr 24, 2024

On GovTribe

Work with this file

Download the original file
Contacts named in this file
Similar government files
Ask GovTribe AI about this file

Try for free Login

Text version

The file's text, extracted by GovTribe without its formatting.

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE

THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN

ACCORDANCE WITH THE POLICY PROVISIONS.

INSURER(S) AFFORDING COVERAGE

INSURER F :

INSURER E :

INSURER D :

INSURER C :

INSURER B :

INSURER A :

NAIC #

NAME:

CONTACT

(A/C, No):

FAX

E-MAIL

ADDRESS:

PRODUCER

(A/C, No, Ext):

PHONE

INSURED

REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES

IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed.

If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).

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.

OTHER:

(Per accident)

(Ea accident)

N / A

SUBR

WVD

ADDL

INSD

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.

$PROPERTY DAMAGE

BODILY INJURY (Per accident)

BODILY INJURY (Per person)

COMBINED SINGLE LIMIT

AUTOS ONLY

AUTOSAUTOS ONLY

NON-OWNED

SCHEDULEDOWNED

ANY AUTO

AUTOMOBILE LIABILITY

Y / N

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY

OFFICER/MEMBER EXCLUDED?

(Mandatory in NH)

DESCRIPTION OF OPERATIONS below If yes, describe under

ANY PROPRIETOR/PARTNER/EXECUTIVE

E.L. DISEASE - POLICY LIMIT

E.L. DISEASE - EA EMPLOYEE

E.L. EACH ACCIDENT

OTH-

STATUTE

PER

LIMITS(MM/DD/YYYY)

POLICY EXP

(MM/DD/YYYY)

POLICY EFF

POLICY NUMBERTYPE OF INSURANCELTR

INSR

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

EXCESS LIAB

UMBRELLA LIAB $EACH OCCURRENCE

$AGGREGATE

OCCUR

CLAIMS-MADE

DED RETENTION $

$PRODUCTS - COMP/OP AGG

$GENERAL AGGREGATE

$PERSONAL & ADV INJURY

$MED EXP (Any one person)

$EACH OCCURRENCE

DAMAGE TO RENTED

$PREMISES (Ea occurrence)

COMMERCIAL GENERAL LIABILITY

CLAIMS-MADE OCCUR

GEN'L AGGREGATE LIMIT APPLIES PER:

POLICY

PRO-

JECT LOC

CERTIFICATE OF LIABILITY INSURANCE

DATE (MM/DD/YYYY)

CANCELLATION

AUTHORIZED REPRESENTATIVE

ACORD 25 (2016/03)

CERTIFICATE HOLDER

The ACORD name and logo are registered marks of ACORD

HIRED

AUTOS ONLY

4/4/2025

Arthur J. Gallagher Risk Management Services, LLC 6967 S River Gate Dr Ste 200 Midvale UT 84047

Aubrie Kemp 801-924-1400 certrequests@ajg.com

WCF National Insurance Company 40517 INTESAF-06 BCS Insurance Company 38245

AM Signal, LLC 8100 Southpark Way, Unit A-10 Littleton CO 80120

Scottsdale Insurance Company 41297 Liberty Insurance Corporation 42404

1823336678

D X 1,000,000 X 1,000,000

10,000

1,000,000

2,000,000 X

Y Y TB7-Z91-479625-025 2/28/2025 3/31/2026

2,000,000

D 1,000,000

X X

Y Y AS7-Z91-479625-015 2/28/2025 3/31/2026

D X X 2,000,000TH7-Z91-479625-045 2/28/2025 3/31/2026

2,000,000

A X4050658 2/28/2025 2/28/2026

1,000,000

1,000,000 D B C

Business Personal Property Cyber Liability Excess Cyber

YW7-Z91-479625-035

RPS-P-50271303M

EKS3566140

2/28/2025 3/31/2025 3/31/2025

3/31/2026 3/31/2026 3/31/2026

Prop Limit Prop Deductilbe CyberTotal Limit

$15,000 $5,000 $5,000,000

The State of Arizona, its departments agencies, boards, commissions, universities, and its officers, officials, agents and employees are named as additional insured on a primary and non contributory basis and a waiver of subrogation applies with respects to the general liability and the auto liability as per policy forms.

Arizona Dept of Transportation Procurement Group 1739 W. Jackson St. MD 100P Phoenix AZ 85007

USA

)*++,-)./0�/12*+*3.0,��24.5�,67*-5,+,62�)4/68,5�24,�9*0.):;�90,/5,�-,/7�.2�)/-,<100:;��)*++,-)./0�/12*+*3.0,�3-*/7�<*-+�,67*-5,+,62��=#"��$��"�"��"�� "��$#��("��315.6,55�/12*�)*>,-/8,�<*-+�=#"��$��"�"��$#��?��"��@�$��A��B;�,C2,67,7�)/6),00/2.*6�)*67.2.*6�� #�@��D��E�A@FAGHH@=�&F� ��$#��A&II&F��&H�AJ�A&FK�=�&F%��H�

��L�"��$�� ("$#�$#��("��D�� !��D��$#��$"��$��$"��"��(��!��$#��M;�3-*/7�<*-+�.651-,7�/;�5NOPQRQSTQUP�SVR�6UWXY�/Z[NQTUR�\T�<\T]UR�*T̂SVQ_S̀Q\VP�/P�.VPNTURP�=#��F��#�(��"��$#��K��$"��"��$��"��@�!��!�"�� $��D�"�"��!�"��(#"�#�!��(��$#��a b��$#��$"��$��c��$#��$"��$��$#��A��d�(��'�$#��F��$�"��!��D�"�"��!�$#�$�ef�gh�iehfjklmn�jhmlk�gho��$#��$��D"�� "�!��(��D��iehfjklmn�jhmlk�fjpq�g�rstepo�ujv�wsk�evf�$��"��$"��$#��x#��$"��"$��H"�"$��@�!��"y�$"��$#�$�"��z�"��D!�!��(#"�#�!��"�$�"��{��"$!��(��#" ��d�(��'�$#��F��$�"��!��(�!��z�"��"y�$"�� |qgv�ef�gh�iehfjklmn��!��$#��$��D"�� "�!}� D��=#�$�#��x#��$��"$��H"�"$��!��$#�� "�!}�� !��$��"$��z�"�"$"��$"��D!�!��'��!��#��"��(�"$$��$"��$#��z�"�"$"��$"��s�lkg�l�mslf�hsv�grrto�vs�iusmeto�eh�jkon�sk�irksrlkvo�mg�g�ln�vqgv�klfjtvf�wks��gh�igppemlhvn�$#�$��D��!��z�"��$#��"y�$"��3;�,]�X\YUUP�SP�.VPNTURP�� #�@��E��d&��%�@F��F%��GK�E��%GA=�&F��E�H�@?�H�=J�A&�G�@�G�"��$��$#��("��@�!�il�rtsolln�sw�osjkf��qetl�jfeh��g�ps�lklm�igjvsn�osj�msh�v�s�h��qekl�sk�

D��(�"��!��D��"��!�� "��);�0UPP\TP�SP�.VPNTURP�� #�@��E��d&��%�@F��F%��GK�E��%GA=�&F��E�H�@?�H�=J�A&�G�@�G�"��$��$#��("��|ql�tlffsk�sw�g�ps�lklm�igjvsn��qetl�vql�igjvsn�ef�tlgflm�vs�osj�jhmlk�g��kevvlh��$�"�� =#��$��z�"��!��$�� "��"��$� �"��!�"��$#��}�� |ql�igjvsn�ef�tlgflm��evqsjv��"��jpq�tlgflm�igjvsn��ett�ul�pshfemlklm�g�ps�lklm�igjvsn�osj�s�h�ghm�hsv�g�ps�lklm�igjvsn�osj�qekl��s�l�lk��vql�tlffsk�ef�gh�iehfjklmn�shto�wsk�iusmeto�eh�jkon�sk�irksrlkvo�mg�g�ln��$"��$#��$��"��"��D!��J��}��ho�sw�osjk�il�rtsollfn�sk�g�lhvf��@�!� ��'��x�� $�$#��gho�il�rtsolln�sk�g�lhv�sw�vql�tlffsk��srlkgveh��gh�igjvsn��evq�vql� ��"��"��!��D��7;�9UTP\VP�/VR�*T̂SVQ_S̀Q\VP�/P�.VPNTURP�1VRUT�/��TQ̀̀UV�.VPNTUR�)\V̀TSZ̀�� #�@��E��d&��%�@F��F%��GK�E��%GA=�&F��E�H�@?�H�=J�A&�G�@�G�"��$��$#��("��@�!� ��"y�$"��("$#�� $�$��$#�� $"��'��"�$��ps�lklm�igjvsn��rks�emlm�vqgv�osj�ghm��#� ��"y�$"��#��x �� "�"��"��(�"$$��iehfjklm�pshvkgpvn��kevvlh�g�kll�lhv�sk�g�(�"$$�� "$�"��$��!��D!��$�� D�"��$#��"$!�$��#� ��"y�$"��$��$#"�� "�!�gf�gh�iehfjklmn�� d�(��'��#� ��"y�$"��"��gh�iehfjklmn�shto��

POLICY: 7361-99-69

��0-1�)2-3456�478+16.�-1�)91-9:1,6�3*;*<:.��=!�*7�)*>>43:7,.�?@4>@�,*A:B� ��$�� C-+�:D:>+,:3�,@:�)47B+1:3�>-7,1*>,.�-1�?14,,:7�*<1::;:7,E�-1� =��F#�� "$�#��=��"��$��!��GHIIJK�HLMIJNHH�OJPHQRSH�TUVWX%�&Y�Z�[�� TWW&\�T]�W&̂ TT�_��%TVF�&Y��_�W�̀Z�W�F̂ �V&aT�̀ bT��$�� !��c��MdNefORI�gRLRSH�h�RggfifJjRI�iHLMJQRQN�iQRjeMJQiRifJj�HkMHjeH�OJPHQRSH�� #�̀�c��_�F�̀ Y%�&�F̀ F�&Y�TU�TY%T%�_��%TVF�&Y��_��l̂ %�V̀ W�m̀ ]̀ bT�V&aT�̀ bT�"��$�� "��"�"$��n[ � ��!��$�� !�$�� $�$"��o ��'��=p��$�$��o"��"�"$��n�'

��qr�RsiJ�IJRjtIHReH�SRM�OJPHQRSH�� #�̀��c��_�V&aT�̀ bT�TUFTY%�&Y%� ��%TVF�&Y��_��l̂ %�V̀ W�m̀ ]̀ bT�V&aT�̀ bT�"��$��$#��("��suvwxy�Izwu�z{�I|w}|�R~z�u�}��7�,@:�:�:7,�-0�*�,-,*5�)5-BB.�,-�*�>-�:1:3�)*+,-.��?:�?"�� !��!�� "��$��$#��>-�:1:3�)*+,-.�;47+B��F#��$� �"��$#��#!�"��m��V��%��$"��$#�� "�!/��̀�!��&�� !��$��$�$#��$"��,@:�)5-BB.E�=��"��"�� $"��"� ��o��"��'��=��(��$��#"�#��"��/��%��"$!�� "$��$��$��=!�$#��V��$��o$��(��$"��'�V��"$�W"��'�l��$#'�̀��"��$��m"��="�"$!�� #��("$#�$#��/��V��! ��=�� "��\��("�� !��!�� "��$��$#��"��=!��&$#��$#��V��"�"��V��!�"��$#��m��$"��"��"��$��$#�$�V�� #��"��V��"�� "��!�>-�:1:3�)*+,-.E��% ��"�"��V��W��V��!�"��$#��m��$"��"��"��$��$#�$�% ��"�"��V��-BB��-�:1*<:�4B�91-�43:3�0-1�*76�>-�:1:3�)*+,-.E��V��"�"��V��!�"��$#��m��$"��"��"��$��$#�$�V��"�"��V��"�� "��!��)��$��r��QHjiRI�RSHjON�HkMHjeH�� #�̀��c��_�V&aT�̀ bT�TUFTY%�&Y%�_��%TVF�&Y��_��l̂ %�V̀ W�m̀ ]̀ bT�V&aT�̀ bT�"��$��$#��("��

��Q|u�w��H�v|u}|�\��("�� !�$#��("��o ��$#�$�!��*76�-0�6-+1�):;95-6::B.�*1:�5:<*556�-254<*,:3�$�� !�=��(�"$$��$��$��$��$��"�$��$��#"��"��$#��$��!��=��"��]̀ U�]X]�\T�\�WW��̀ �̂�&��̀Ŷ �&YT�V&YF�̀ VF�&��̀b�TT]TYF��n�'[

��"��"��=!�$#��$��!��"��$#�� "��$"��$#�$��#"��"��$��=��$��$�'�-1�)5-BB.�-0'�$#�$��#"��'�"��"��"��$��$��=��$#�$��#"�� $/��n�'[

��"��$�� "��$#��$��#"��=��$��$��,@*,��:@4>5:�*14B47<�-+,�-0�*�>-�:1:3�)5-BB.E�*73��n�'[

��"�"�$��$"��o ��"��=!�$#��$��!'��$�$��"��$#��$��$��$��c��n�'[

��o"��$�$��$�� #��'��="��r�HkiQR�HkMHjeH�h��QJRgHjHg�OJPHQRSH�� #�̀�c��_�V&aT�̀ bT�TUFTY%�&Y%�_��%TVF�&Y��_��l̂ %�V̀ W�m̀ ]̀ bT�V&aT�̀ bT�"��$��$#��("��Q|�z�|{��H�v|u}|�\��("�� !��$#��o ��$��"��B,-5:7�>-�:1:3�)*+,-.�,-�6-+��r��RfQ�RS�OJPHQRSH�� #�Z�� TUVWX%�&Y%�_��%TVF�&Y��_��l̂ %�V̀ W�m̀ ]̀ bT�V&aT�̀ bT��$�� !�$��$#��"��$��"�$��"��#��"�=��V��"��o��!��$#��$"=��"��(��$!�� "�"��!��"��$�� "��$#"��r��RsgfJ��PfesRI�Rjg�gRiR�HIHOiQJjfO�H�sfMLHji��QJRgHjHg�OJPHQRSH�� #�V��=��_�W�]�F�&��Y%X�̀ YVT� ��%TVF�&Y�� l̂ %�V̀ W�m̀ ]̀ bT�"��$�� ("$#�$#��("��=��n�'

��̀��"�$�� $��#��" ��$��r�SIRee�QHMRfQ�h�KRfPHQ�JG�gHgsOif�IH�

)�� #�*�� *+*),-�./+�0��%+,-�&1��0��23%�,4/�*4546+�,&7+�46+�$#��("��"��1��$"8�� "��$��"��$#��"�� "��$#��$#�� 99:�;<=�=>�?=>@�A@ABC;DEF@G�� #�*� �*+*),-�./+�0��%+,-�&1��0��23%�,4/�*4546+�,&7+�46+�"��$��$#��("��$#"��,��!��$#��,�� "�!�"��$��!��8!��$#�$�"��$��$��8"�� "�!��,�� "��$��$#��HIJK�LIMMNOKPQR'�$#��("�� "��$#��$"8��$#"��.��"��4�$��,��"��$#�� $��$"8��'�"$�("��8��(�"��S��$#��$"8��$#"��.��"��4�$��,��"��$�$#�� $��$"8��'�"$�("��8��8!�$#��$��$#�� $��$"8��9T:�U?@VA@A�AB;D@G�DV�;W@�@X@V;�=Y��UCCDA@V;Z�CFUD?Z�GBD;�=>�F=GG�� #�4�� *)-�+%��1�-2+�+7+1-�&��41�4,,�*+1-'�,/4�5'�%)�-�&��/&%%��%+,-�&1��7� �.)%�1+%%�4)-&�,&1*�-�&1%�"��$�� ("$#�$#��("��$#��$��L��"��$R'��"�'�L��"$R��L��R'�!��$� �� $�!��$"�!��(#��$#��L��"��$R�"��[��(��$�� 3��!��$#��"\�� $�$"��'�"��!��"��"�"��S� ��4� ��$��'��!��$#��"\�� $�$"��'�"��!�� $��#" S� ��4��8��'�"��!��"�"$��"�8"�"$!�� !S�� ]��4��̂��$"��"��'�"��'��$#��"\�� $�$"��'�"��!��"\�$"��$#��$#�� $��#" ��"�"$��"�8"�"$!�� !�� _��(��L��"��$R'��"�'�L��"$R��L��R�8!��$#�� $�"� �!�$#�$�$#�� "�$��8��#��#�[��(�� 1�$"��$��#��"�� 2�('�(#��(#��$#��L��"��$R��L��R��S� ��-#��L"PH̀aKObHR��S�� -��$#��̂$��$� ��"8��'�$#��!�"�c�� ("$��9d:�<UDX@>�=Y�GBE>=eU;D=V�� #�4�f�� -�41%�+��&��62-%�&��+,&7+�3�464�1%-�&-2+�%�-&�)%��%+,-�&1��7�0�.)%�1+%%�4)-&�,&1*�-�&1%�"��$�� ("$#�$#��("��f��g��("��(�"��$#��"�#$��!�(��(��$#��("��#��"��$��$#�� haiIPNjIQNhP�kha�LlhHHR�Qh�mnNMn�$#"��"��IoolNKHp�oahqNOKO�QnK�LNPH̀aKOR�nIH�mINqKO�

$#�"��"�#$��!��"��$��#� ��"\�$"��$��$��$�$#�$�"��$��"�$��rKkhaK�H̀Mn�LlhHHRs�th�QnK�KuQKPQ�QnIQ�QnK�LNPH̀aKObHR�aNinQH�Qh�� $��!� �!��$��$#"��"��#��$�8��(�"��'�$#��"�#$��$��$��-#�$� ��"\�$"��$��!$#"��!�$��"�#$��J̀ HQ�Oh�PhQnNPi�IkQKa�LIMMNOKPQR�ha�LlhHHR�Qh�"� �"��$#��4$��v��$'�$#��"��("��8�"��"$��$��$#��"�#$��$��#�� $#��9w��BVDV;@V;D=VUF�YUDFB>@�;=�ADGCF=G@�WUxU>AG�� #�.��0�,&1,+4/5+1-'�5�%�+��+%+1-4-�&1��4)��%+,-�&1��7�0�.)%�1+%%�4)-&�,&1�-�&1%�	�"��$�� ("$#�$#��("��!��"�$��$"��!��"��$��"��!�#�\��̂"�$"��$�$#��"�� $"��$��!�� "�!'�(��("��$��"��$#"��,��8��#��"��9y:�UB;=G�>@V;@A�Ez�@?{F=z@@G�� #�.�f��	�&-2+��1%)�41,+��%+,-�&1��7�0�.)%�1+%%�4)-&�,&1*�-�&1%�	�"��$��$#��("��\|P}�LÌQhR�nNaKO�ha�aKPQKO�r}�}h̀a�LKJolh}KKR��!��8�#��$�!��"��$"��("��8��MhPHNOKaKO�IP�LÌQhR�}h̀�nNaKs��LKJolh}KKbHR�oKaHhPIl�NPH̀aIPMK�� "��hP�IP�KuMKHH�rIHNH�Qh�I�MhqKaKO�LÌQhR�#"��ha�aKPQKO�r}�}h̀a�LKJolh}KKR�hP�}h̀a�rKnIlk��$�!��"��$"��'�$#"��"��("��8��oaNJIa}�Qh�QnK�LKJolh}KKbHR�oKaHhPIl�"��9~��WD>@A�UB;=��C=X@>Ue@�;@>>D;=>z�� #�.��8�
f��	��&/�,3��+��&'�,&7+�46+�-+��-&�3��%+,-�&1��7�0�.)%�1+%%�4)-&�,&1�-�&1%�"��$�� ("$#�$#��("��
f��\|�MhqKaKO�LÌQhR�hk�QnK�oaNqIQK�oIHHKPiKa�$! ��"��'�#"��'��$��8��(��("$#��$��"�� "��]f��!��S��9��>@GBF;UV;�?@V;UF�UVeBDGW�C=X@>Ue@�� #�,��	�%+,-�&1�7�0�*+��1�-�&1%�"��$�� 8!�$#��("��L�hONl}�NP�̀a}R�JKIPH�rhONl}�NP�̀a}p�HNM�PKHH�ha��"��$�"��8!��!� ��'�"��"��$��"�#��$#��$��$#��L8��"�!�"�c��!R��$�"��8!�$#�$� ��

73619969

2/28/2025

Form: 16-02-0292 (Rev. 11-16) Page 1 of 3 "Includes copyrighted material of Insurance Services Office, Inc. with its permission"

COMMERCIAL AUTOMOBILE

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

COMMERCIAL AUTOMOBILE BROAD FORM ENDORSEMENT

This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM

This endorsement modifies the Business Auto Coverage Form.

1. EXTENDED CANCELLATION CONDITION

Paragraph A.2.b. – CANCELLATION - of the COMMON POLICY CONDITIONS form IL 00 17 is deleted and replaced with the following:

b. 60 days before the effective date of cancellation if we cancel for any other reason.

2. BROAD FORM INSURED

A. Subsidiaries and Newly Acquired or Formed Organizations As Insureds The Named Insured shown in the Declarations is amended to include:

1. Any legally incorporated subsidiary in which you own more than 50% of the voting stock on the effective date of the Coverage Form.

However, the Named Insured does not include any subsidiary that is an “insured” under any other automobile policy or would be an “insured” under such a policy but for its termination or the exhaustion of its Limit of Insurance.

2. Any organization that is acquired or formed by you and over which you maintain majority ownership. However, the Named Insured does not include any newly formed or acquired organization:

(a) That is an “insured” under any other automobile policy;

(b) That has exhausted its Limit of Insurance under any other policy; or

(c) 180 days or more after its acquisition or formation by you, unless you have given us written notice of the acquisition or formation.

Coverage does not apply to “bodily injury” or “property damage” that results from an “accident” that occurred before you formed or acquired the organization.

B. Employees as Insureds Paragraph A.1. – WHO IS AN INSURED – of SECTION II – LIABILITY COVERAGE is amended to add the following:

d. Any “employee” of yours while using a covered “auto” you don’t own, hire or borrow in your business or your personal affairs.

C. Lessors as Insureds Paragraph A.1. – WHO IS AN INSURED – of SECTION II – LIABILITY COVERAGE is amended to add the following:

e. The lessor of a covered “auto” while the

“auto” is leased to you under a written agreement if:

(1) The agreement requires you to provide direct primary insurance for the lessor; and

(2) The “auto” is leased without a driver.

Such leased “auto” will be considered a covered “auto” you own and not a covered “auto” you hire.

However, the lessor is an “insured” only for “bodily injury” or “property damage” resulting from the acts or omissions by:

1. You;

2. Any of your “employees” or agents;

3. Any person, except the lessor or any “employee” or agent of the lessor, operating an “auto” with the permission of any of 1. and/or 2.

above.

D. Persons And Organizations As Insureds Under A Written Insured Contract Paragraph A.1 – WHO IS AN INSURED – of SECTION II – LIABILITY COVERAGE is amended to add the following:

f. Any person or organization with respect to the operation, maintenance or use of a covered “auto”, provided that you and such person or organization have agreed under an express provision in a written “insured contract”, written agreement or a written permit issued to you by a governmental or public authority to add such person or organization to this policy as an “insured”.

However, such person or organization is an “insured” only:

Form: 16-02-0292 (Rev. 11-16) Page 2 of 3

(1) with respect to the operation, maintenance or use of a covered “auto”; and

(2) for “bodily injury” or “property damage” caused by an “accident” which takes place after:

(a) You executed the “insured contract” or written agreement; or

(b) The permit has been issued to you.

3. FELLOW EMPLOYEE COVERAGE

EXCLUSION B.5. - FELLOW EMPLOYEE – of SECTION II – LIABILITY COVERAGE does not apply.

4. PHYSICAL DAMAGE – ADDITIONAL TEMPORARY

TRANSPORTATION EXPENSE COVERAGE

Paragraph A.4.a. – TRANSPORTATION EXPENSES

– of SECTION III – PHYSICAL DAMAGE COVERAGE is amended to provide a limit of $50 per day for temporary transportation expense, subject to a maximum limit of $1,000.

5. AUTO LOAN/LEASE GAP COVERAGE

Paragraph A. 4. – COVERAGE EXTENSIONS - of SECTION III – PHYSICAL DAMAGE COVERAGE is amended to add the following:

c. Unpaid Loan or Lease Amounts In the event of a total “loss” to a covered “auto”, we will pay any unpaid amount due on the loan or lease for a covered “auto” minus:

1. The amount paid under the Physical Damage

Coverage Section of the policy; and

2. Any:

a. Overdue loan/lease payments at the time of the “loss”;

b. Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage;

c. Security deposits not returned by the lessor:

d. Costs for extended warranties, Credit Life

Insurance, Health, Accident or Disability Insurance purchased with the loan or lease;

and

e. Carry-over balances from previous loans or leases.

We will pay for any unpaid amount due on the loan or lease if caused by:

1. Other than Collision Coverage only if the

Declarations indicate that Comprehensive Coverage is provided for any covered “auto”;

2. Specified Causes of Loss Coverage only if the Declarations indicate that Specified Causes of Loss Coverage is provided for any covered “auto”;

3. Collision Coverage only if the Declarations indicate that Collision Coverage is provided for any covered “auto.

6. RENTAL AGENCY EXPENSE

Paragraph A. 4. – COVERAGE EXTENSIONS – of

SECTION III – PHYSICAL DAMAGE COVERAGE

is amended to add the following:

d. Rental Expense We will pay the following expenses that you or any of your “employees” are legally obligated to pay because of a written contract or agreement entered into for use of a rental vehicle in the conduct of your business:

MAXIMUM WE WILL PAY FOR ANY ONE

CONTRACT OR AGREEMENT:

1. $2,500 for loss of income incurred by the rental agency during the period of time that vehicle is out of use because of actual damage to, or “loss” of, that vehicle, including income lost due to absence of that vehicle for use as a replacement;

2. $2,500 for decrease in trade-in value of the rental vehicle because of actual damage to that vehicle arising out of a covered “loss”; and

3. $2,500 for administrative expenses incurred by the rental agency, as stated in the contract or agreement.

4. $7,500 maximum total amount for paragraphs 1., 2. and 3. combined.

7. EXTRA EXPENSE – BROADENED COVERAGE

Paragraph A.4. – COVERAGE EXTENSIONS – of

SECTION III – PHYSICAL DAMAGE COVERAGE

is amended to add the following:

e. Recovery Expense

We will pay for the expense of returning a stolen covered “auto” to you.

8. AIRBAG COVERAGE

Paragraph B.3.a. - EXCLUSIONS – of SECTION III – PHYSICAL DAMAGE COVERAGE does not apply to the accidental or unintended discharge of an airbag. Coverage is excess over any other collectible insurance or warranty specifically designed to provide this coverage.

9. AUDIO, VISUAL AND DATA ELECTRONIC

EQUIPMENT - BROADENED COVERAGE

Paragraph C.1.b. – LIMIT OF INSURANCE - of SECTION III - PHYSICAL DAMAGE is deleted and replaced with the following:

b. $2,000 is the most we will pay for "loss" in any one "accident" to all electronic equipment that reproduces, receives or transmits audio, visual or data signals which, at the time of "loss", is:

(1) Permanently installed in or upon the covered "auto" in a housing, opening or other location that is not normally used by the "auto" manufacturer for the installation of such equipment;

(2) Removable from a permanently installed housing unit as described in Paragraph 2.a. above or is an integral part of that equipment; or

(3) An integral part of such equipment.

10. GLASS REPAIR – WAIVER OF DEDUCTIBLE

Form: 16-02-0292 (Rev. 11-16) Page 3 of 3

Under Paragraph D. - DEDUCTIBLE – of

SECTION III – PHYSICAL DAMAGE COVERAGE

the following is added:

No deductible applies to glass damage if the glass is repaired rather than replaced.

11. TWO OR MORE DEDUCTIBLES

Paragraph D.- DEDUCTIBLE – of SECTION III – PHYSICAL DAMAGE COVERAGE is amended to add the following:

If this Coverage Form and any other Coverage Form or policy issued to you by us that is not an automobile policy or Coverage Form applies to the same “accident”, the following applies:

1. If the deductible under this Business Auto

Coverage Form is the smaller (or smallest) deductible, it will be waived; or

2. If the deductible under this Business Auto Coverage Form is not the smaller (or smallest) deductible, it will be reduced by the amount of the smaller (or smallest) deductible.

12. AMENDED DUTIES IN THE EVENT OF

ACCIDENT, CLAIM, SUIT OR LOSS

Paragraph A.2.a. - DUTIES IN THE EVENT OF AN ACCIDENT, CLAIM, SUIT OR LOSS of SECTION IV - BUSINESS AUTO CONDITIONS is deleted and replaced with the following:

a. In the event of “accident”, claim, “suit” or

“loss”, you must promptly notify us when the “accident” is known to:

(1) You or your authorized representative, if you are an individual;

(2) A partner, or any authorized representative, if you are a partnership;

(3) A member, if you are a limited liability company; or

(4) An executive officer, insurance manager, or authorized representative, if you are an organization other than a partnership or limited liability company.

Knowledge of an “accident”, claim, “suit” or “loss” by other persons does not imply that the persons listed above have such knowledge.

Notice to us should include:

(1) How, when and where the “accident” or

“loss” occurred;

(2) The “insured’s” name and address; and

(3) To the extent possible, the names and addresses of any injured persons or witnesses.

13. WAIVER OF SUBROGATION

Paragraph A.5. - TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US of SECTION IV – BUSINESS AUTO CONDITIONS is deleted and replaced with the following:

5. We will waive the right of recovery we would otherwise have against another person or organization for “loss” to which this insurance applies, provided the “insured” has waived their rights of recovery against such person or organization under a contract or agreement that is entered into before such “loss”.

To the extent that the “insured’s” rights to recover damages for all or part of any payment made under this insurance has not been waived, those rights are transferred to

us. That person or organization must do everything necessary to secure our rights and must do nothing after “accident” or “loss” to impair them. At our request, the insured will bring suit or transfer those rights to us and help us enforce them.

14. UNINTENTIONAL FAILURE TO DISCLOSE

HAZARDS

Paragraph B.2. – CONCEALMENT, MISREPRESENTATION or FRAUD of SECTION IV – BUSINESS AUTO CONDITIONS - is deleted and replaced with the following:

If you unintentionally fail to disclose any hazards existing at the inception date of your policy, we will not void coverage under this Coverage Form because of such failure.

15. AUTOS RENTED BY EMPLOYEES

Paragraph B.5. - OTHER INSURANCE of

SECTION IV – BUSINESS AUTO CONDITIONS -

is amended to add the following:

e. Any “auto” hired or rented by your “employee” on your behalf and at your direction will be considered an “auto” you hire. If an “employee’s” personal insurance also applies on an excess basis to a covered “auto” hired or rented by your “employee” on your behalf and at your direction, this insurance will be primary to the “employee’s” personal insurance.

16. HIRED AUTO – COVERAGE TERRITORY

Paragraph B.7.b.(5). - POLICY PERIOD, COVERAGE TERRITORY of SECTION IV – BUSINESS AUTO CONDITIONS is deleted and replaced with the following:

(5) A covered “auto” of the private passenger type is leased, hired, rented or borrowed without a driver for a period of 45 days or less; and

17. RESULTANT MENTAL ANGUISH COVERAGE

Paragraph C. of - SECTION V – DEFINITIONS is deleted and replaced by the following:

“Bodily injury” means bodily injury, sickness or disease sustained by any person, including mental anguish or death as a result of the “bodily injury” sustained by that person.

Policy Number Issued by

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

COMMERCIAL GENERAL LIABILITY

ADDITIONAL INSURED ENHANCEMENT FOR WHOLESALERS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

Index of modified items:

Item 1. Blanket Additional Insured Where Required By Written Agreement Lessors of Leased Equipment Managers or Lessors of Premises Mortgagees, Assignees or Receivers Grantor of Franchise Vendors Any Person or Organization

Item 2. Blanket Additional Insured – Grantor Of Permits Item 3. Other Insurance Amendment

Item 1. Blanket Additional Insured Where Required By Written Agreement

Paragraph 2. of Section II – Who Is An Insured is amended to add the following:

Additional Insured by Written Agreement

The following are insureds under the policy when you have agreed in a written agreement to provide them coverage as additional insureds under your policy:

1. Lessors of Leased Equipment: The person(s) or organization(s) from whom you lease equipment, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your maintenance, operation or use of equipment leased to you by such person(s) or organization(s).

This insurance does not apply to any "occurrence" which takes place after the equipment lease expires.

2. Managers or Lessors of Premises: Any manager(s) or lessor(s) of premises leased to you in which the written lease agreement obligates you to procure additional insured coverage.

The coverage afforded to the additional insured is limited to liability in connection with the ownership, maintenance or use of the premises leased to you and caused, in whole or in part, by some negligent act(s) or omission(s) of you, your "employees", your agents or your subcontractors. There is no coverage for the additional insured for liability arising out of the sole negligence of the additional insured or those acting on behalf of the additional insured, except as provided below.

If the written agreement obligates you to procure additional insured coverage for the additional insured's sole negligence, then the coverage for the additional insured shall conform to the agreement, but only if the applicable law would allow you to indemnify the additional insured for liability arising out of the additional insured's sole negligence.

TB7-Z91-479625-025

This insurance does not apply to:

a. Any "occurrence" which takes place after you cease to be a tenant in that premises or to lease that land;

b. Structural alterations, new construction or demolition operations performed by or on behalf of that manager or lessor; or

c. Any premises for which coverage is excluded by endorsement.

3. Mortgagees, Assignees or Receivers: Any person(s) or organization(s) with respect to their liability as mortgagee, assignee or receiver and arising out of your ownership, maintenance or use of the premises.

This insurance does not apply to structural alterations, new construction and demolition operations performed by or on behalf of such person(s) or organization(s).

4. Grantor of Franchise: Any person(s) or organization(s) but only with respect to their liability as grantor of a franchise to you.

5. Vendors: Any person(s) or organization(s) that distributes or sells "your products" in the regular course of their business, hereafter referred to as vendors, but only with respect to "bodily injury" or "property damage" arising out of "your products" which are distributed or sold in the regular course of the vendor's business, subject to the following additional exclusions:

a. The insurance afforded the vendor does not apply to:

(1) "Bodily injury" or "property damage" for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to the liability for damages that the vendor would have in the absence of the contract or agreement;

(2) Any express warranty unauthorized by you;

(3) Any physical or chemical change in the product made intentionally by the vendor;

(4) Repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container;

(5) Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products;

(6) Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of the product;

(7) Products which, after distribution or sale by you, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for the vendor; or

(8) "Bodily injury" or "property damage" arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to:

(a) The exceptions contained in Paragraphs (4) or (6) above; or

(b) Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products.

b. This insurance does not apply to any insured, person or organization, from whom you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products.

6. Any Person or Organization Other Than a Joint Venture: Any person(s) or organization(s) (other than a joint venture of which you are a member) for whom you are obligated to procure additional insured coverage, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your act(s) or omission(s) or the act(s) or omission(s) of those acting on your behalf:

a. In the performance of your ongoing operations; or

b. In connection with premises owned by or rented to you.

This insurance does not apply to:

a. Any person(s) or organization(s) more specifically covered in Paragraphs 1 through 5 above;

b. Any construction, renovation, demolition or installation operations performed by or on behalf of you, or those operating on your behalf; or

c. Any person(s) or organization(s) whose profession, business or occupation is that of an architect, surveyor or engineer with respect to liability arising out of the rendering of, or failure to render, any professional architectural, engineering or surveying services, including:

(1) The preparing, approving or failing to prepare or approve, maps, drawings, opinions, reports, surveys, field orders, change orders, designs and specifications; or

(2) Supervisory, inspection, architectural or engineering activities.

This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage", or the offense which caused the "personal and advertising injury", involved the rendering of or failure to render any professional services by or on behalf of you, or those operating on your behalf.

The insurance afforded to any person(s) or organization(s) as an insured under this Item 1:

1. Applies to the extent permitted by law;

2. Applies only to the scope of coverage and the minimum limits of insurance required by the written agreement, but in no event exceeds either the scope of coverage or the limits of insurance provided by this policy;

3. Does not apply to any person(s) or organization(s) for any "bodily injury", "property damage" or "personal and advertising injury" if any other additional insured endorsement attached to this policy applies to such person(s) or organization(s) with regard to the "bodily injury", "property damage" or "personal and advertising injury";

4. Applies only if the "bodily injury" or "property damage" occurs, or the offense giving rise to the "personal and advertising injury" is committed, subsequent to the execution of the written agreement; and

5. Applies only if the written agreement is in effect at the time the "bodily injury" or "property damage" occurs, or at the time the offense giving rise to the "personal and advertising injury" is committed.

Item 2. Blanket Additional Insured – Grantor Of Permits

Paragraph 2. of Section II - Who Is An Insured is amended to add the following:

Any state, municipality or political subdivision that has issued you a permit in connection with any operations performed by you or on your behalf, or in connection with premises you own, rent or control, and to which this insurance applies, but only to the extent that you are required to provide additional insured status to the state, municipality or political subdivision as a condition of receiving and maintaining the permit. Such state, municipality or political subdivision that has issued you a permit is an insured only with respect to their liability as grantor of such permit to you.

However, with respect to the state, municipality or political subdivision:

1. Coverage will be no broader than required; and

2. Limits of insurance will not exceed the minimum limits of insurance required as a condition for receiving or maintaining the permit;

but neither the scope of coverage nor the limits of insurance will exceed those provided by this policy.

This insurance does not apply to:

1. "Bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the state, municipality or political subdivision;

2. Any "bodily injury" or "property damage" included within the "products-completed operations hazard", except when required by written agreement initiated prior to loss; or

3. "Bodily injury", "property damage" or "personal and advertising injury", unless negligently caused, in whole or in part, by you or those acting on your behalf.

Item 3. Other Insurance Amendment

If you are obligated under a written agreement to provide liability insurance on a primary, excess, contingent, or any other basis for any person(s) or organization(s) that qualifies as an additional insured on this policy, this policy will apply solely on the basis required by such written agreement and Paragraph 4. Other Insurance of Section IV – Commercial General Liability Conditions will not apply. Where the applicable written agreement does not specify on what basis the liability insurance will apply, the provisions of Paragraph 4. Other Insurance of Section IV – Commercial General Liability Conditions will apply. However, this insurance is excess over any other insurance available to the additional insured for which it is also covered as an additional insured by attachment of an endorsement to another policy providing coverage for the same "occurrence", claim or "suit".

Policy Number Issued by

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

COMMERCIAL GENERAL LIABILITY ENHANCEMENT FOR WHOLESALERS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

Index of modified items:

Item 1. Reasonable Force Item 2. Non-Owned Watercraft Extension Item 3. Damage To Premises Rented To You – Expanded Coverage Item 4. Bodily Injury To Co-Employees Item 5. Health Care Professionals As Insureds Item 6. Knowledge Of Occurrence Or Offense Item 7. Notice Of Occurrence Or Offense Item 8. Unintentional Failure To Disclose Item 9. Bodily Injury Redefined Item 10. Supplementary Payments – Increased Limits Item 11. Aircraft With Chartered Crew Item 12. Property In Your Care, Custody Or Control Item 13. Mobile Equipment Redefined Item 14. Newly Formed Or Acquired Entities Item 15. Waiver Of Right Of Recovery By Written Contract Or Agreement

Item 1. Reasonable Force

Exclusion a. of Section I – Coverage A – Bodily Injury And Property Damage Liability is replaced by the following:

a. Expected Or Intended Injury

"Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property.

Item 2. Non-Owned Watercraft Extension

Paragraph (2) of Exclusion g. of Section I – Coverage A – Bodily Injury And Property Damage Liability is replaced by the following:

(2) A watercraft you do not own that is:

(a) Less than 55 feet long; and

(b) Not being used to carry persons or property for a charge;

Item 3. Damage To Premises Rented To You – Expanded Coverage

A. The final paragraph of 2. Exclusions of Section I – Coverage A – Bodily Injury And Property Damage Liability is replaced by the following:

Exclusions c. through n. do not apply to damage by fire, lightning or explosion or subsequent damages resulting from such fire, lightning or explosion including water damage to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section III – Limits Of Insurance.

B. Paragraph 6. of Section III – Limits Of Insurance is replaced by the following:

6. Subject to Paragraph 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of "property damage" to any one premises, while rented to you, or in the case of damage by fire, lightning, explosion or subsequent damages resulting from such fire, lightning or explosion including water damage to premises while rented to you or temporarily occupied by you with permission of the owner.

The Damage To Premises Rented To You Limit is the greater of:

a. $300,000; or

b. The Damage To Premises Rented To You Limit shown on the Declarations.

C. Paragraph 9.a. of the definition of "insured contract" in Section V – Definitions is replaced by the following:

a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire, lightning, explosion or subsequent damages resulting from such fire, lightning or explosion including water damage to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured contract";

D. The paragraph immediately following Paragraph (6) of Exclusion j. of Section I – Coverage A – Bodily Injury

And Property Damage Liability is replaced by the following:

Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" (other than damage by fire, lightning or explosion or subsequent damages resulting from such fire, lightning or explosion including water damage) to premises, including the contents of such premises, rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section III – Limits of Insurance.

Item 4. Bodily Injury To Co-Employees

A. Paragraph 2. of Section II – Who Is An Insured is amended to include:

Each of the following is also an insured:

Your "employees" (other than either your "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company)) or "volunteer workers" are insureds while in the course of their employment or while performing duties related to the conduct of your business with respect to "bodily injury":

(1) To you;

(2) To your partners or members (if you are a partnership or joint venture);

(3) To your members (if you are a limited liability company); or

(4) To a co-"employee" or "volunteer worker" while that co-"employee" or "volunteer worker" is either in the course of his or her employment by you or while performing duties related to the conduct of your business (including participation in any recreational activities sponsored by you).

Paragraph 2.a.(1)(a) of Section II – Who Is An Insured does not apply to "bodily injury" for which insurance is provided by this paragraph.

B. The insurance provided by this Item 4. for "bodily injury" to a co-"employee" or "volunteer worker" will not apply if the injured co-"employee's" or "volunteer worker's" sole remedy for such injury is provided under a workers' compensation law or any similar law.

C. Other Insurance

The insurance provided by this Item 4. is excess over any other valid and collectible insurance available to the insured, whether primary, excess, contingent or on any other basis.

Item 5. Health Care Professionals As Insureds

A. Paragraph 2.a.(1)(d) of Section II – Who Is An Insured is replaced by the following:

(d) Arising out of his or her providing or failing to provide professional health care services. However, any "employee" or "volunteer worker" of the Named Insured who is acting as a Good Samaritan in response to a public or medical emergency or who is a "designated health care provider" is an insured with respect to "bodily injury" and "personal and advertising injury" that:

(i) Arises out of the providing of or failure to provide professional health care services; and

(ii) Occurs in the course of and within the scope of such "employee's" or "volunteer worker's" employment by the Named Insured.

B. With respect to "employees" and "volunteer workers" providing professional health care services, the following exclusions are added to Paragraph 2. Exclusions of Section I – Coverage A – Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section I – Coverage B – Personal And Advertising Injury Liability:

This insurance does not apply to:

(1) Liability assumed under an "insured contract" or any other contract or agreement;

(2) Liability arising out of the providing of professional health care services in violation of law;

(3) Liability arising out of the providing of any professional health care services while in any degree under the influence of intoxicants or narcotics;

(4) Liability arising out of any dishonest, fraudulent, malicious or knowingly wrongful act or failure to act; or

(5) Punitive or exemplary damages, fines or penalties.

C. The following definition is added to Section V – Definitions:

"Designated health care provider" means any "employee" or "volunteer worker" of the Named Insured whose duties include providing professional health care services, including but not limited to doctors, nurses, emergency medical technicians or designated first aid personnel.

D. Other Insurance

The insurance provided by this Item 5. is excess over any other valid and collectible insurance available to the insured, whether primary, excess, contingent or on any other basis.

Item 6. Knowledge Of Occurrence Or Offense

Knowledge of an "occurrence" or offense by your agent, servant or "employee" will not in itself constitute knowledge by you unless your "executive officer" or "employee" designated by you to notify us of an "occurrence" or offense has knowledge of the "occurrence" or offense.

Item 7. Notice Of Occurrence Or Offense

For purposes of Paragraph 2.a. of Section IV – Commercial General Liability Conditions, you refers to your "executive officer" or "employee" that you have designated to give us notice.

Item 8. Unintentional Failure To Disclose

Unintentional failure of the Named Insured to disclose all hazards existing at the inception of this policy shall not be a basis for denial of any coverage afforded by this policy. However, you must report such an error or omission to us as soon as practicable after its discovery.

This provision does not affect our right to collect additional premium or exercise our right of cancellation or non-renewal.

Item 9. Bodily Injury Redefined

The definition of "bodily injury" in Section V – Definitions is replaced by the following:

"Bodily injury" means:

a. Bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time; and

b. Mental anguish, shock or humiliation arising out of injury as defined in Paragraph a. above. Mental anguish means any type of mental or emotional illness or distress.

Item 10. Supplementary Payments – Increased Limits

Paragraphs 1.b. and 1.d. of Section I – Supplementary Payments – Coverages A And B are replaced by the following:

b. Up to $3,000 for the cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which Bodily Injury Liability Coverage applies. We do not have to furnish these bonds.

d. All reasonable expenses incurred by the insured at our request to assist in the investigation or defense of the claim or "suit", including actual loss of earnings up to $500 a day because of time off from work.

Item 11. Aircraft With Chartered Crew

The following is added to Exclusion g. of Section I – Coverage A – Bodily Injury And Property Damage Liability:

This exclusion does not apply to an aircraft that you do not own that is:

(a) Chartered with a pilot by any insured; and

(b) Not being used to carry any person or property for a charge collected or received by the insured.

Item 12. Property In Your Care, Custody Or Control

A. Paragraphs (3) and (4) of Exclusion j. of Section I – Coverage A – Bodily Injury And Property Damage Liability are deleted.

B. Additional Exclusion

Coverage provided by this endorsement does not apply to "property damage" to property while in transit.

C. Limits of Insurance

Subject to Paragraphs 2., 3., and 5. of Section III – Limits Of Insurance, the most we will pay for insurance provided by Paragraph A. above is:

$10,000 Each Occurrence Limit

$75,000 Aggregate Limit

The Each Occurrence Limit for this coverage applies to all damages as a result of any one "occurrence" regardless of the number of persons or organizations who sustain damage because of that "occurrence".

The…

This is the start of the file's text. The full file is on GovTribe.

File details come from the government source that posted it. Updated Sep 18, 2025.