Certificate_and_Policy_Forms.pdf

INSR ADDL SUBR

LTR INSR WVD

DATE (MM/DD/YYYY)

PRODUCER CONTACT

NAME:

FAXPHONE

(A/C, No):(A/C, No, Ext):

E-MAIL

ADDRESS:

INSURER A :

INSURED INSURER B :

INSURER C :

INSURER D :

INSURER E :

INSURER F :

POLICY NUMBER

POLICY EFF POLICY EXP

TYPE OF INSURANCE LIMITS(MM/DD/YYYY) (MM/DD/YYYY)

COMMERCIAL GENERAL LIABILITY

AUTOMOBILE LIABILITY

UMBRELLA LIAB

EXCESS LIAB

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY

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

AUTHORIZED REPRESENTATIVE

INSURER(S) AFFORDING COVERAGE NAIC #

Y / N

N / A (Mandatory in NH)

ANY PROPRIETOR/PARTNER/EXECUTIVE

OFFICER/MEMBER EXCLUDED?

EACH OCCURRENCE $

DAMAGE TO RENTED

$PREMISES (Ea occurrence)CLAIMS-MADE OCCUR

MED EXP (Any one person) $

PERSONAL & ADV INJURY $

GENERAL AGGREGATE $GEN'L AGGREGATE LIMIT APPLIES PER:

PRODUCTS - COMP/OP AGG $

PRO-

OTHER:

LOCJECT

COMBINED SINGLE LIMIT

$(Ea accident)

BODILY INJURY (Per person) $ANY AUTO OWNED SCHEDULED BODILY INJURY (Per accident) $AUTOS ONLY AUTOS

AUTOS ONLY

HIRED PROPERTY DAMAGE $

AUTOS ONLY (Per accident)

OCCUR EACH OCCURRENCE $

CLAIMS-MADE AGGREGATE $

DED RETENTION $ $

PER OTH-

STATUTE ER

E.L. EACH ACCIDENT $

E.L. DISEASE - EA EMPLOYEE $

If yes, describe under

E.L. DISEASE - POLICY LIMIT $DESCRIPTION OF OPERATIONS below

POLICY

NON-OWNED

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE

THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN

ACCORDANCE WITH THE POLICY PROVISIONS.

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.

THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED

REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.

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

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

COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:

CERTIFICATE HOLDER CANCELLATION

© 1988-2015 ACORD CORPORATION. All rights reserved.

The ACORD name and logo are registered marks of ACORDACORD 25 (2016/03)

ACORDTM CERTIFICATE OF LIABILITY INSURANCE

Charter Oak Fire Insurance Co.

Travelers Property Casualty Co. of Am

WCF National Insurance Company

Travelers Casualty & Surety Co. of Amer

9/06/2023

Moreton & Company - Utah P.O. Box 58139 Salt Lake City, UT 84158-0139 801 531-1234

Jessica Wright 801 531-1234 801-531-6117 jessica@moreton.com

Interior Solutions of Arizona, LLC 6965 South Priest Drive, Suite 1 Tempe, AZ 85283

25615 25674 40517 31194

A X X

X

Y6300T285849COF23 01/19/2023 01/19/2024 1,000,000

1,000,000 10,000 1,000,000 2,000,000 2,000,000

B X

X X

8100T2813042314G 01/19/2023 01/19/2024 1,000,000

B X X CUP0T2896152314 01/19/2023 01/19/2024 5,000,000

5,000,000

C

Y

3251537 12/20/2022 12/20/2023 X 1,000,000

1,000,000 1,000,000

D Commercial Crime 107311199 08/31/2023 08/31/2026 Limit: $1,000,000 Retention: $10,000

PROJECT: CTR067405 - Statewide Furniture, Products, and Related Services CERTIFICATE HOLDER IS CONSIDERED AN ADDITIONAL INSURED WITH RESPECT TO GENERAL LIABILITY AND AUTOMOBILE LIABILITY COVERAGES ON A PRIMARY AND NON-CONTRIBUTORY BASIS AS A REQUIREMENT OF A WRITTEN CONTRACT. WAIVER OF SUBROGATION APPLIES WITH RESPECT TO GENERAL LIABILITY, AUTOMOBILE LIABILITY AND WORKERS COMPENSATION

COVERAGES AS A REQUIREMENT OF A WRITTEN CONTRACT.

State of Arizona State of Procurement Office 100 N. 15th Ave, Suite 201 Phoenix, AZ 85007

#S1838509/M1834025

INTERIOSOLClient#: 10351

VALOL

#S1838509/M1834025 voliviero Highlight

POLICY NUMBER:

EFFECTIVE DATE:

ISSUE DATE:

IL T8 01 10 93

Y-630-0T285849-COF-23

01-19-23

01-24-23

LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS

THIS LISTING SHOWS THE NUMBER OF FORMS, SCHEDULES AND ENDORSEMENTS

BY LINE OF BUSINESS.

IL T0 02 11 89 COMMON POLICY DECLARATIONS

IL T8 01 10 93 FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS

IL T3 18 05 11 COMMON POLICY CONDITIONS-DELUXE

IL T0 03 04 96 LOCATION SCHEDULE

IL T8 00 GENERAL PURPOSE ENDORSEMENT

IL T8 04 GENERAL PURPOSE ENDORSEMENT

DELUXE PROPERTY

DX T0 00 11 12 DELUXE PROP COV PART DECLARATIONS

DX 00 04 11 12 TABLE OF CONTENTS - DELUXE PROP COV PART

DX T1 00 11 12 DELUXE PROPERTY COVERAGE FORM

DX T1 01 11 12 DELUXE BI (AND EE) COVERAGE FORM

DX T4 15 11 12 CRIME ADDITIONAL COVERAGE

DX T3 19 11 12 CAUSES OF LOSS-EQUIPMENT BREAKDOWN

DX T3 79 11 12 LOSS PAYABLE PROVISIONS

DX T3 85 11 12 UTILITY SERVICES-DIRECT DAMAGE

DX T3 86 11 12 UTILITY SERVICES-TIME ELEMENT

DX T4 02 01 21 FEDERAL TERRORISM RISK INSURANCE ACT DIS

DX 01 13 11 12 WISCONSIN CHANGES

DX 01 61 03 98 AZ CHANGES

DX 01 93 01 20 AZ CHANGES

DX T3 45 11 13 UTAH CHANGES

DX T3 98 04 02 ELECTRONIC VANDALISM LIMITATION ENDT

COMMERCIAL GENERAL LIABILITY

CG T0 01 11 03 COML GENERAL LIABILITY COV PART DEC

CG T0 07 09 87 DECLARATIONS PREMIUM SCHEDULE

CG T0 08 11 03 KEY TO DECLARATIONS PREMIUM SCHEDULE

CG T0 34 02 19 TABLE OF CONTENTS - COM GEN LIAB COV

CG T1 00 02 19 COMMERCIAL GENERAL LIABILITY COV FORM

CG T8 00 GENERAL PURPOSE ENDORSEMENT

CG T8 01 GENERAL PURPOSE ENDORSEMENT

CG D3 61 03 05 ADD'L INSURED-OWNERS,LESSEES,CONTRACTORS

CG D4 11 04 08 ADDL INSD-DESIG PERSON OR ORGANIZATION

CG D9 10 09 21 AMENDMENT OF INTELLECTUAL PROPERTY EXCL

CG 20 37 07 04 ADD INSURED-OWNRS,LESSEES,CONT COMPL OPS

CG D2 03 12 97 AMEND-NON CUMULATION OF EACH OCC

CG D2 46 04 19 BLANKET AI-W/COMP OPS IF REQ BY CONTRACT

CG D2 47 04 19 SCHED AI W/COMP OPS IF REQ BY CONTRACT

CG D4 58 02 19 XTEND ENDT FOR MFRS & WHOLESALERS

CG D4 18 11 09 EXCL - PROF SERV - ARCHITECT/ENG/SURVEY

CG D4 21 07 08 AMEND CONTRAC LIAB EXCL-EXC TO NAMED INS

PAGE: 1 OF 3

ISSUE DATE:

IL T8 01 10 93

Y-630-0T285849-COF-23

01-19-23

01-24-23

COMMERCIAL GENERAL LIABILITY (CONTINUED)

CG D6 18 10 11 EXCL-VIOLATION OF CONSUMER FIN PROT LAWS

CG D0 76 06 93 EXCLUSION-LEAD

CG D1 42 02 19 EXCLUSION-DISCRIMINATION

CG D2 04 12 17 EXCL-EXTERIOR INSULATION & FINISH SYSTEM

CG D2 26 06 15 EXCLUSION - TOBACCO OR NICOTINE

CG D2 40 06 01 EXCLUSION - SILICA

CG T3 23 08 11 EXCL - AIRCRAFT PROD AND GROUNDING

EMPLOYEE BENEFITS LIABILITY

CG T0 09 09 93 EMPLOYEE BENEFITS LIAB COV PART DEC

CG T0 43 01 16 EMPLOYEE BENEFITS LIAB TABLE OF CONTENTS

CG T1 01 01 16 EMPLOYEE BENEFITS LIABILITY COV FORM

CG T9 91 01 16 UTAH CHANGES - EBL

MULTIPLE SUBLINE ENDORSEMENTS

C = COMMERCIAL GENERAL LIABILITY

E = EMPLOYEE BENEFITS LIABILITY

L = LIQUOR LIABILITY

CG 01 86 12 04 UTAH CHANGES (C, E, L)

INLAND MARINE

CM B0 85 01 20 INSTALLATION COVERAGE FORM DECLARATIONS

CM B0 87 01 20 INSTALL CVRD PROP SUPPL DEC-SPEC PROP

CM B0 90 01 20 INSTALL COV EXT & ADD'L COVS SUPPL DEC

CM B0 96 01 21 CONTRACTORS EQUIPMENT COVERAGE FORM DEC

CM B0 97 01 21 CONTRACTORS EQUIPMENT SUPPLEMENTAL DEC

CM B0 99 01 21 CONTRACTORS EQUIPMENT DEDUCTIBLE SCHED

CM T0 11 08 05 TABLE OF CONTENTS

CM 00 01 09 04 COMMERCIAL INLAND MARINE CONDITIONS

CM T8 94 09 93 LOSS PAYABLE PROVISIONS

CM T2 41 01 20 INSTALLATION COVERAGE FORM

CM T2 42 01 21 CONTRACTORS EQUIPMENT COVERAGE FORM

CM U3 59 01 21 WINDSTORM OR HAIL DEDUCTIBLE

CM U5 81 01 20 LTD COV FOR FUNGUS, WET ROT & DRY ROT

CM T3 98 01 21 FEDERAL TERRORISM RISK INSURANCE ACT DIS

CM U3 50 01 21 FLOOD EXCLUSION

CM U3 66 01 21 EARTH MOVEMENT EXCLUSION

CM 01 13 09 00 UTAH CHANGES

INTERLINE ENDORSEMENTS

IL T0 63 07 22 ACTUAL CASH VALUE

PAGE: 2 OF 3

ISSUE DATE:

IL T8 01 10 93

Y-630-0T285849-COF-23

01-19-23

01-24-23

INTERLINE ENDORSEMENTS (CONTINUED)

IL T3 68 01 21 FED TERRORISM RISK INS ACT DISCLOSURE

IL T4 05 05 19 DESIG PERSON, ORG-NOTICE PROVIDED BY US

IL T4 12 03 15 AMNDT COMMON POLICY COND-PROHIBITED COVG

IL T4 14 01 21 CAP ON LOSSES FROM CERT ACTS OF TERRORIS

IL T4 27 06 19 ADDITIONAL BENEFITS

IL T4 40 10 20 PROTECTION OF PROPERTY

IL T3 82 05 13 EXCL OF LOSS DUE TO VIRUS OR BACTERIA

IL F1 00 02 20 CA CHANGES - REPLACEMENT COST

IL F1 44 07 20 CA CHANGES

IL 00 21 09 08 NUCLEAR ENERGY LIAB EXCL END-BROAD FORM

IL 01 02 02 20 CA CHANGES - ACTUAL CASH VALUE

IL F0 32 02 20 CA CHANGES - ACTUAL CASH VALUE

IL T3 05 07 15 INSURER AMENDMENT ENDORSEMENT

IL T3 55 05 13 EXCLUSION OF CERTAIN COMPUTER LOSSES

IL T9 46 07 21 UT CHANGES - CANCELLATION AND NONRENEWAL

POLICYHOLDER NOTICES

PN T1 89 06 99 JURISDICTIONAL INSPECTIONS NOTICE

PAGE: 3 OF 3

COMM RCI L G NERAL IAB LI YE A E L I T

COMMERCIA GENERA LIA ILITY COVERA E FORML L B G

in thi Re ds a (1) The "bo i y in ur " o "pro e ty da a e id l j y r p r m g " s th e t re po i y ca e ul y to de e m n ri ht , dut e a d bye n i l c r f l t r i e g s i s n a th t n " a t k s pl cea e a wha s a d s no co e e . i het i n i t v r d n t

Thro g o t th s po i y th wo ds "y u a d "y ur" re eu h u i l c e r o " n o f r (2) The "bo i y in u y o "pro e ty da a ed l j r " r p r m g " to th Na e Insure sho n i the a d o cur d ri ge m d d w n n c s u n t e p l cy pe i d; a dh o i r o n a y o he pe so o o g n z t o qua i yng a a Na en t r r n r r a i a i n l f i s m d

(3) Pri r to th pe i d, no in ure l steo e r o s d i d In ure und r thi po i y The wo ds "we , "us" a ds d e s l c . r " n un e Pa a ra hd r r g p 1. of II – Who Is "o r re e o t e co pa y p o i i g hi i sura ceu " f r t h m n r v d n t s n n .

An In ure a d no "e pl y e a t o i es d n m o e " u h r z d The wo d "i sure " m a s a y o ga i a i n by y u tor n d e n n r n z t o o gi e o ov r f an qu l fy ng a such undea i i s r II – Who Is An o kn w tha the "bo i y" r e t d l I sure . i j r " o "pro e ty da a e han d n u y r p r m g " d i who e o in If such a li te i suren l r . s d n d Ot e wo ds a d phr se tha a p a in quo a i nh r r n a s t p e r t t o

"e pl y e k e , to them o e " n w m rk ha e m a i g. Re e toa s v e n n f r V – pe i d th t the "bo i y i j ry or o , a d l n u " r De i i i ns.f n t o

"pro e ty da a e , th n a yp r m g " e n SE TI N I – CO ERA EC O V G S co ti u t o o re um ti n o suchn n a i n r s p o f

"bo i y in ur " o "pro e ty da a ed l j y r p r m g "CO ERA E A – B D L IN U Y A D P O E TYV G O I Y J R N R P R o a t r th pe i d wi l be de m d tor f e e r o l e eD MAGE L A I ITA I B L Y ha e be n no n pri r t h p l cy pe i dv e k w o o t e o i r o .

1. I su i g A reem nn r n g e t

c. "Bo i y i j ry o "pro e ty da a ed l n u " r p r m g "

a. We wi l pa th se sum tha th i surel y o s t e n d duri g th pe i d a d wa no ,n e r o n s t b co e le a l o l ga e to pa a da a ee m s g l y b i t d y s m g s pri r to the pe i d kn w to ha eo r o , o n v b ca se o "bo i y i j ry o "pro e ty da a ee u f d l n u " r p r m g " by a y i sure l ste n e a a ra hn n d i d u d r P r g p to th s in ura ce a p i s. We wi l ha ei s n p l e l v

1. of II – Who Is An Insure o a yd r n th rig t a d du y to de e d the i sure a a nste h n t f n n d g i "e pl y e a t o i e by y u to gi e om o e " u h r z d o v r a y "sui " se k n th se da a e . Ho e e ,n t e i g o m g s w v r o a o , a yf n " r n we wi l ha e no dut to de e d the i surel v y f n n d co ti u t o , o re um t o o than n a i n r s p i n f t a a nst a y "sui " se k n da a e fo "bo i yg i n t e i g m g s r d l "bo i y i j ry o "pro e ty da a e a t r thd l n u " r p r m g " f e e i j ry o "pro e ty da a e to thin u " r p r m g " s e d f he p ri d.n o t e o i sura ce do s no a p y We m y a o rn n e t p l . a , t u in e t ga e a y " wi l bev s i t n l" d. "Bo i y i j ry o "pro e ty da a ed l n u " r p r m g "a dn se t e a y cl i r "sui " th t a e ul . Bu :t l n a m o t a m y r s t t de m d to ha e be n kn wn to ha e o curr de e v e o v c e a the e rl e t ti e whe a y in ure l stet a i s m n n s d i d

(1) The a o n we wil pa fo da a e ism u t l y r m g s un e Pa a ra hd r r g p 1. of II – Who Is An l m te a de cri e ii i d s s b d n III – Li i sm t In ure o a y "e pl y e a t o i e by y u tos d r n m o e " u h r z d o

Of I sur n e ndn a c ; a gi e o o a ov r f n " r cl i :a m(2) Our right and duty to defend end when we ha e use up th li i ov d e m t f

(1) Re o t a l o a y pa t o the "bo i yp r s l , r n r , f d l i the pa m nt o j d m n s on y e f u g e t r i j ry o "pro e ty da a e to us o a yn u " r p r m g " r n se tl m n s und r t e e t e A or B or o h r i sure ;t e n r m d ca x e se un e o e a ee i l e p n s d r C v r g C.

(2) a wri t n o de a d ot e r m n r

No o he o l g t o o l a i i y to pa sum ot r b i a i n r i b l t y s r cl i fo da a e o the "bo i ya m r m g s f d l o se vce i unl ssr r i s s e i j ry o "pro e t a a e ; rn u " r p r y d m g " o e pl ci l pro i e fo und r Sup l m n a yx i t y v d d r e p e e t r (3)Payments. a a e by a y o he m a s thaw r n t r e n t

"bo i y in ur " o "pro e ty da a e had l j y r p r m g " s

b. Thi in ura ce a p i s to "bo i y i j ry a ds s n p l e d l n u " n o curre o a t ccurc d r h s o o .

"pro e ty d m ge o l fp r a a " n y i :

CG 1 0 02 1T 0 9 Pa e 1 o 21g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Various provisions policy restrict

Declarations, person or Section special Section caused "occurrence policy Section receive notice "occurrence claim occurred, part or authorized prior policy occurred , change during which which discretion, occurrence

Section applicable insurance

Coverages perform acts covered policy which occurs policy policy occurred

Section receive notice "occurrence claim includes change policy

Section receive notice "occurrence

Receives verbal because

Becomes begun coverage.

"coverage territory";

COMM RCIAL E ERAL IAB LITYE G N L I

e. Da a e o "bo i y i j ry i cl dem g s f d l n u " n u (3) An sta u e o di a ce o e u a i n e a i gy t t , r n n r r g l t o r l t n da a e cla m d by a y pe so r rga i a i n to the sa e gi t, dim g s i e n r n o o n z t o l , f str bu i n o usi t o r e of fo ca e l ss o se v ce o de th re ul i g ar r , o f r i s r a s t n t a y t m ro he "bo i y i j r ".n i e f m t d l n u y Thi e cl sio a p i s o l i y u a e in thes x u n p l e n y f o r

2. Ex l si nc u o s bu i e s o m n f ct r ng di tri u i g se l n ,s n s f a u a u i , s b t n , l i g se vng o furn shi g a co o i be e a e . F rr i r i n l h l c v r g s oThi i sura ce d e no p l os n n o s t a p y t :

th pur o e o thi e cl sio , pe m t i g ae p s s f s x u n r i t n

a. Ex ec ed O I te d d I j ryp t r n n e n u pe so to bri g a co o i be e a e o y urr n n l h l c v r g s n o pre i e , fo co sum tim s s r n p o o y u pren n o r m se ,i s i t nd d fro th sta d o n o th i sure . whe he o non e e m e n p i t f e n d t r r t a fe is cha g d o ae r e r is Thi e cl sio do s no a pl to "bo i y in u y re u re fo such s x u n e t p y d l j r " q i d r is no by it e f, t s l o "pro e ty da a e re ul i g fro the use o co si e e th bu ir p r m g " s t n m f n d r d e s ne s o se l n , ss f l i g e v n or i g r b Co trac u l L ab l t d Wo ke s' Co p n a i n An i il r L w. n t a i i i y . r r m e s t o d S m a a s

"Bo i y i j ry o "pro e ty da a e fo An o l g t o o thed l n u " r p r m g " r y b i a i n f i sure un e an d d r wo k r 'r e s th i sure is o l ga e to pa da a e by co p nsa i n di a ie n d b i t d y m g s m e t o , s b l t be e i s ori y n f t re so o th a sum t o o l a i i y i a un m l y e t co pea n f e s p i n f i b l t n e p o m n m n a i n l w o as t o a r n sim l ry i a co tr ct o a r e e t. Thi e cl sio do s no l w.n a r g e m n s x u n e t a a pl o l a i i y f r a a e :p y t i b l t o d m g s e. Em l yer's i b l tp o L a i i y

(1) Tha t e i sure o l a e i t e a se cet h n d w u d h v n h b n "Bo i y i j r " tod l n u y :

(1) An "e pl y e o the i sure a i in o t om o e " f n d r s g u f

(2) Assum d in a co tr ct o a re m nt th t ie n a r g e e a s a d n th co r e o :n i e u s f a "i sure , pro i e th t thn n d v d d a e

(a) Em l y e t y th i sure ; op o m n b e n d r"bo i y in u y o "pro e ty da a ed l j r " r p r m g "

(b) Pe f r i g dut e re a e to ther o m n i s l t d o a r e e t. So e y fo th purp se or g e m n l l r e o s f l a i i y a sum d in a "i surei b l t s e n n d (2) The spo se chi d pa e t bro h r o sisteu , l , r n , t e r r re so a l a t rne s' fe s a da n b e t o y e n o tha "e pl y e a a of t m o e " s f l t g ti n e p nse i curr d by o f r a tyi i a o x e s n e r o a p r Pa a r pr g a h (1) a o eb v .

o h r th n a i sure wi l be de m d to bet e a n n d l e e

Thi e cl si n a pl e whe he th in ure m ys x u o p i s t r e s d ada a e o "bo i y i j ry om g s f d l n u " r be l a l s a e p o e r n ny o hei b e a n m l y r o i a t r"pro e ty d m g ", ro i e th tp r a a e p v d d a :

a d t a y o l ga i n to sha e da a e wi h on o n b i t o r m g s t r

(a) Li b l t to such pa ty fo , o fo thea i i y r r r r re a so e ne e se who m st pa da a ep y m o l u y m g s co t o , th t de e se ha a sos f a f n s l be n a sum d in the sa e "i suree s e m n d

Thi e cl si n do s no a p y to l a i i ys x u o e t p l i b l tco tr ct"; ndn a a a sum d by the i sure un e a "i sures e n d d r n n d

(b) a t r e s' fe s a d l t g t ot o n y e n i i a i n co tr ct .n a " e pe se a e fo de e se o th t pa tx n s r r f n f a r y

f. P l u i no l t oa a nst a ci i o a t rn t v di putg i v l r l e a i e s e

(1) "Bo i y in u y o "pro e ty da a e a i i gd l j r " r p r m g " r s nre o ut o in whi hs l i n c o t o the , a l g d o th e te eu f l e e r r a n dda a e to th s in ura cem g s i s n di cha ge di pe sa , se p g , m gr t o ,s r , s r l e a e i a i na pl e a e a l ge .p i s r l e d re e se o o "po l t n s":l a r f l u a t

c. L q o i b l ti u r L a i i y

(a) At o fro a y pre i e , sit or m n m s s e r

"Bo i y i j ry o "pr p rt da a e fod l n u " r o e y m g " r l ca i n whi h i o wa a a y ti eo t o c s r s t n m a y i sure a e h l i b e b e so o :n n d m y b e d l a l y r a n f o ne o by o re t d ow d r , r n e r

(1) Ca si g o to the i t x ca i nu n r n o i t o l a e to a y i sure . Ho e e , th so n d , n n d w v r i o n e so ;f a y p r n subp ra ra h o s n t pp y t :a g p d e o a l o

(2) The furn shi g o a co o i be e a e to ai n f l h l c v r g s (i) "Bo i y in u y i susta n d wit i ad l j r " f i e h n pe so und r the l g l dri k ng a e or n e e a n i g r bu l i g a d ca se by sm k ,i d n n u d o e u de he o on r t f r fu e , o so t pro uce bym s r o d d o o i i a i g fro e u pm n th tr r g n t n m q i e t a

Pa e 2 o 21g f CG 1 0 02 1T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission.

because license activity which contract" occurs contract", necessary because party's

Such proceeding consequence capacity actualwhich which contributing influence escape occupied vapor alcoholic beverages.

"Bo i y i j ry o "pro e ty d m ge e pe te od l n u " r p r a a " x c d r re so a l f rce t p o e t pe so s o p o e t .a n b e o o r t c r n r r p r y of the contract or agreement; or furnishing alcoholic beverages.

subse u n to t e e e ut o o t e co t a tq e t h x c i n f h n r c conduct of the insured's business; or because of the injury.

alcohol;

i use to he t co l o to pe f rm th no m ls d a , o r r o e r a , th bu l i g o by o hy ra l c oe i d n , r r d u i r o i i a i g fro e u pm n tha isr g n t n m q i e t t fo th o e a i n or e p r t o f use to he t wa e fo pe so ad a t r r r n l "m bi e e ui m n " o it pa t , ifo l q p e t r s r s use by th bui di g s o cup n s oe l n ' c a t r such fue s, o o h rl r t e th i u sts;e r g e o e a i g fl i s e ca e fro ap r t n u d s p m

(i )i "Bo i y i j ry o "pro e tyd l n u " r p r o the . Thi e ce ti nr m s x p oda a e fo y u m y bem g " r o a do s no a pl if the "bo i y i j rye t p y d l n u "he d li b e if y u a e a co tr ct rl a l , o r n a o o "pro e ty da a e a i e o t or p r m g " r s s u fa d the o ne o le se o suchn w r r s e f th in e ti n l di cha ge di pe sae t n o a s r , s r lpre i e , sit o l ca i n ha be nm s s e r o t o s e o r l a e o the fue s, r e e s f la de to y ur a ad d o s n o o h r o e a i g fl i s, o i suchr t e p r t n u d r fadditional insured with respect to y ur o g i g o e a i ns pe fo m d fu l , o o he oo n o n p r t o r r e e s r t r p r t ne a i g fo th t a d t o a i sure a tha fl i s a e bro gh o or a d i i n l n d t t u d r u t n r to the pre i e , sit o l ca i n a d suchm s s e r o t o n pre i e , sit o l ca i n wit them s s e r o t o h pre i e , sit o l ca i n is nom s s e r o t o t i t nt th t th y be di cha g d,n e a e s r e a d ne e wa o n d o o cupi dn v r s w e r c e di pe se o re e se a pa t os r d r l a d s r f by o re te o l a e to a y, r n d r o n d , n th o e a i n be ng pe fo m d bye p r t o s i r r e i sure , o he tha tha a d t o an d t r n t d i i n l such in ure , ors d i sure ; on d r

(i ii ) "Bo i y i j ry o "pro e tyd l n u " r p r (i )i "Bo i y inj ry o "pro e tyd l u " r p r da a e a i i g o t o he t,m g " r s n u f a da a e susta n d wit i am g " i e h n sm k o fu e fro a "ho ti eo e r m s m s l bu l i g a d ca se by th re e sei d n n u d e l a fi e ;r " o ga e , fum s o v po s frof s s e r a r m

(b) At o fro a y pre i e , sit or m n m s s e r m te i l bro g t in o th t bu l i ga r a s u h t a i d n l ca i n whi h i o wa a a y ti eo t o c s r s t n m use by o fo a y i sure o o h rs f rd r r n n d r t e o pe f r e by y u o o y u e a fr o m d o r n o r b h l th ha dl ng sto a e dispo a ,e n i , r g , s l by a co tr ct r r subco t a ; on a o o n r r r pro e sin r re tm n o w stec s g o t a e t f a ;

(i ii ) "Bo i y inj ry o "pro e tyd l u " r p r

(c) If such "po l t n s" a e o we e a a yl u a t r r r t n da a e a i i g o t o he tm g " r s n u f a , ti e tra spo t d, ha d e , sto e ,m n r e n l d r d sm k o fu e fro a "ho ti eo e r m s m s l tr a e , di po e o , o ae t d s s d f r s fi e ; rr " o wa te by o o :s r f r

(e) At o fro a y pre i e , sit or m n m s s e r(i) An nsure ; oy i d r l ca i n o whi h a y in ure o a yo t o n c n s d r n

(i )i An pe so o o g n z t o foy r n r r a i a i n r o wo k ngr r i who y u m y be le a lm o a g l y o o a y i sure 'r n n n d s re po si l ;s n b e be a f a e o we e a a y ti eh l r r r t n m

(d) At o fro a y pre i e , sit or m n m s s e r pe fo m ng o e a i n to te t fo ,r r i p r t o s s r l ca i n o whi h a y in ure o a yo t o n c n s d r n m ni o , cl a up, re o e co t i ,o t r e n m v , n a n co tr ct rs o subco t a r wo k ngn a o r n r o s r i tr a , de o i y o ne tr l z , o in a ye t t x f r u a i e r n o o a y i sure 'sr n n n d wa re po d to o a se s thy s n , r s s e be a f a e pe fo m ng o e a i n if theh l r r r i p r t o s o , "po l t n s".f l u a t "po l t n s" a e bro gh o o to thel u a t r u t n r

(2) An l ss, co t o e p n e a i in o t oy o s r x e s r s g u fpre i e , si e o l ca i n i co n ct om s s t r o t o n n e i n a yn :wi h such o e a i n by such in ure ,t p r t o s s d co tr ct r o sub o tr ct r. Ho e e ,n a o r c n a o w v r (a) Re ue t, de a d o de o sta ut ry oq s m n , r r r t o r th s subp ra ra h o s n t pp y t :i a g p d e o a l o re u a o y re ui e e t t a a y in ureg l t r q r m n h t n s d

(i) "Bo i y inj ry o "pro e tyd l u " r p r o o he s te t fo , m ni o , cle n up,r t r s r o t r a da a e a i i g o t o the e ca em g " r s n u f s p r m v , co t i , tre t de o i y oe o e n a n a , t x f r o fue s, o ot ef l r h r ne t a i e o in a y wa re po d to ou r l z , r n y s n , r o e a i g fl i s a e ne d dp r t n u d r e e a se s t e o , "po l t n s"; rs s h f l u a t o

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dehumidify produced electrical mechanical functions necessary which policy lubricants receive lubricants lubricants contractor cto processed ct directly indirectly lubricants which contractors subcontractors directly indirectly effects effects i o n cti n wi h pe a i ns be nn c n e o t o r t o i g v hi l pa t de i n d to ho d, sto ee c e r s g e l r subcontractor;

(b) Cl i o sui by o o be a f o a ya m r t r n h l f n (b) The o e a i n o a y o the m chi e yp r t o f n f a n r go e nm n a a t o i y o a y o he o e ui m n l ste in Pa av r e t l u h r t r n t r r q p e t i d r gra hp f. 2)( pe so o o ga i a i n b ca se o or n r r n z t o e u f r f. 3)( o the de i i i n o "m bi ef f n t o f o l te ti g fo , m n t r ng cl a i g up, e ui m n "; rs n r o i o i , e n n q p e t o re o i g, con a ni g, tre t ngm v n t i n a i , (6) d to i yng o ne t a i i g, o i a ye x f i r u r l z n r n n

(a) Cha t re i h a pi o o a y i sure ;r e d w t l t t n n dwa re po di g to o a se sin they s n n , r s s g e fe t o , "po l t n s".f c s f l u a t (b) No w e y a y i sure ; a dt o n d b n n d n g Ai craft u o O at rcra t (c). r , A t r W e f No be n use to ca r a y pe so ot i g d r y n r n r pro e ty f r p r o a"Bo i y in u y o "pro e t da a e a i i g o td l j r " r p r y m g " r s n u o th o n r hi , m i t na ce use orf e w e s p a n e n , h Mob l q ip e t. i e E u m n e tr stm nt to o he s o a y "a t " on u e t r f n u o r "Bo i y in u y o "pro e ty da a e a i i g o td l j r " r p r m g " r s n u w te cra t o n d o o e a e by o re t d oa r f w e r p r t d r n e r o :f l a e to a y in ure . Use o e a i no n d n s d p r t o

(1) The tra spo t t o o "m bi e e u pm n "n r a i n f o l q i e ta d "l a i g r n o d n ".n o d n o u l a i g by a "a t " o ne o o e a e by on u o w d r p r t d r

Thi e cl si n a p i s e e if the cla ms x u o p l e v n i s re t d r l a e o a y i sure ; on e o o n d t n n d r a a nst a y i sure a l g ne l g nce o o h rg i n n d l e e g i e r t e

(2) The use o "m bi e e ui m nt i , o whi ef o l q p e " n r lwro g o n i th supe v sio , hir ngn d i g n e r i n i , i fo , o whi e be ngn r r l ie pl y e t tr i i g o m ni o i g o o he s bym o m n , a n n r o t r n f t r a y spe d, de o i i n,n e m l t oth t in ure , if th whi h ca sea s d e " c u d o stun i gr t n .th "bo i y i j ry o "pro e ty d m ge i v l ee d l n u " r p r a a " n o v d th o ne shi , m i t na ce use oe w r p a n e n , r i. War e t ust e t to o he s o a y "a t " on r m n t r f n , u o r "Bo i y in u y o "pro e ty da a e a i i g o td l j r " r p r m g " r s n u wa e cra t tha is o ne o o e a e by ot r f t w d r p r t d r o :f re t d r o n d o a y i sure .n e o l a e t n n d

(1) Wa , i cl di g u d cl r d o ci i a ;r n u n n e a e r v l w r Thi e cl sio o s no a pl t :s x u n d e t p y o

(2) Wa l k by a m l ta y fo cer i e i i r r ,

(1) A wa e cra t whi e a ho e o pre i e y ut r f l s r n m s s o i hi d ri g o de e d ng a a n t an n e n r f n i g i s n o n r e tw o r n ; o e pe t d a t ck by a yr x c e t a , n

(2) A a e cra t y u o n t o n ha s: go e n e t so e e gn ow t r f o d o w t t i v r m n , v r i r o he a t o it r u h r ty usin i i a y pe so n l o t e ge t ; og m l t r r n e r o h r a n s r(a) 50 fe t o g o l ss; nde l n r e a

(3) In urr ct o , re e l o , re o ut o , usurp ds e i n b l i n v l i n e(b) No be n use to ca r a y pe so ot i g d r y n r n r po e , o ta e by go e n e t lw r r k n v r m n apro e ty f r ha g ;p r o a c r e a t o i y in hi d ri g o de e d ng a a nstu h r t n e n r f n i g i

(3) Pa k n a "a t " o , o o the wa s ne tr i g n u o n r n y x a y o he en f t s .

to pre i e y u o n o re t, pro i e the, m s s o w r n v d d

j. D m g o P o ertya a e T r p"a t " i no o n d by o re t d o l a eu o s t w e r n e r o n d to y u r he i sure ; "Pro e ty d m ge too o t n d p r a a " :

(4) Li b l t a sum d unde a y "i surea i i y s e r n n d (1) Pro e ty y u o n, re t, o o cup ,p r o w n r c y co tr ct fo he o ne shi , m i t na ce o i cl di g a y co ts o en a " r t w r p a n e n r n u n n s r x e se i cu rep n s n r d by y u, o a y o he pe so , o g ni a io r n t r r n r a z t o on r e t t , fo re a r, re l ce e tn i y r p i p a m n ,(5) "Bo i y in u y o "pro e ty da a e a i i gd l j r " r p r m g " r s n e ha ce e t, re to a i n o m i t na cen n m n s r t o r a n e no t o :u f o such pro e t fo a y re so , f p r y r n a n

(a) The op ra i n o m chi e y ore t o f a n r pre e ti n o i j ry to a pe so o da a ev n o f n u r n r m g e ui m n th t i a t ch d to o pa tq p e t a s t a e , r r to a o he 's p o e t ;n t r r p r y o , a la d v hi l th t wo l qua i y af n e c e a u d l f s

(2) Pre i e y u sel , gi e a a o a a d n ifm s s o l v w y r b n o ,"m bi e e u pm n " un e th d fi i i no l q i e t d r e e n t o th "pro e ty da a e a i e o t o a ye p r m g " r s s u f no "m bi e e ui m nt i such la df o l q p e " f n pa t o h se pr m se ;r f t o e i swe e no subj ct to ar t e co p l o y o fi a ci l re po si i i ym u s r r n n a s n b l t (3) Pro e ty l a e o y u;p r o n d t o l w, o o he m t r v h cl in ura cea r t r o o e i e s n

(4) Pe so a pro e t i th ca e custo y or n l p r y n e r , d r l w, whe e i is o pri ci a la r t r n p l y co tr l o t e i sure ;n o f h n d ga a e ; rr g d o

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Includes copyrighted material of Insurance Services Office, Inc. with its permission.

includes

"occurrence practice prearranged racing, prepared for, activity aircraft vehicle includingaction action actual action including licensed

An aircraft that is:

aircraft, use of aircraft or watercraft;

charge.

(5) Tha pa t cul r pa t o re l pro e t o phy ica in u yt r i a r f a p r y n s l j r to "y ur o or whi h y u o a y co tr ct rs o "y ur wo k a t r it ha be n putc o r n n a o r o r " f e s e to it in e des t n d use.

o y u be a f a e pe f rm n o e a i ns, ifn o r h l r r o i g p r t o n Rec l O ro u ts W rk r mp i ed. a l f P d c , o O I a r th "pro e ty da a e a i e o t o tho ee p r m g " r s s u f s P o ertyr p o e a i n ; rp r t o s o

Da a e cl i e fo a y l ss, co t o e pe sem g s a m d r n o s r x n

(6) Tha pa t o a y pro e t that r f n p r y t i cu re by y u o o h r fo th l ss o usen r d o r t e s r e o f , m st be re to e , re a re o re l ceu s r d p i d r p a d wi hd a a , , re a rt r w l , p i , b ca se "y ur wo k wae u o r " s re l ce e t a j stm nt re o a o di po ap a m n , d u e , m v l r s s l o :f

(1) "Y u ro uct";o r p dPa a r p sr g a h (1), (3) a dn (4) o th s e cl si n dof i x u o no a p y to "pre i e da a e . A se a a et p l m s s m g " p r t (2) "Y u o k ; ro r w r " o l m t o i sura ce a p i s to "pre i e da a ei i f n n p l e m s s m g "

(3) "Im a re p o e t ";p i d r p r ya de crib d in Pa a r ps s e r g a h 6. of III – i such wo k o pro e t is f r , r p r yLi i s O nsura cem t f I n .

Pa a ra hr g p (2) o h s e cl sio o s no a pl if t i x u n d e t p y f pe so o o g n z t o o a k o n or n r r a i a i n f n w rth pre i e a e "y ur wo k a d we e ne ee m s s r o r " n r v r o, , r, re t d r e d fo e t l by y un e o h l r r n a o .

da g ro s co di i n i tn e u n t o n i .

Pa a r p sr g a h (3), (4), (5) a dn (6) o th sf i o P rso a n d erti i g I ju y. e n l A d A v s n n re cl sio do no a pl to li b l t a sum dx u n t p y a i i y s e

"Bo i y in u y a i i g o t o "pe so a a dd l j r " r s n u f r n l nun e sid tr ck a re m ntd r a e a g e e .

a v rt si g i j ry .d e i n n u "Pa a ra hr g p (6) o th s e cl sio do s no a plf i x u n e t p y p a a. D tto "pro e ty da a e i cl de in th "pro uct -p r m g " n u d e d s co p e e p ra i n h z r ".m l t d o e t o s a a d Da a e a i i g o t o th lo s o , lo s o usem g s r s n u f e s f s f o , da a e to co ru t o o , i a i i y to a ce s,f m g , r p i n f n b l t c sk. D m g o Yo r P o u ta a e T u r d c

"Pro e ty da a e to "y ur pr d ct a i i g o tp r m g " o o u " r s n u o t o ny p rt o i .f i r a a f t Ho e e , thi e cl si n do s no a p y tow v r s x u o e t p l l a i i y fo a a e b ca se o "bo i y i j r ".i b l t r d m g s e u f d l n u yl. D m g o Yo r Wo ka a e T u r

"Pro e ty d "p r q U so i i e o m n ca i n. n l c t d C m u i t oa a e to y ur wo k a i i g o t om g " o r " r s n u f i o a y pa t o it a d i cl d d i he "pro uct -t r n r f n n u e n t d s

"Bo i y in u y o "pro e ty da a e a i i g o td l j r " r p r m g " r s n u co p e e p ra i n h z r ".m l t d o e t o s a a d o a y o a l g d v o a i n o a y l w thaf n r l e e i l t o f n a t Thi e cl si n do s no a pl if th da a es x u o e t p y e m g d o pro i i s the se d ng tr n m t i gr h b t n i , a s i t n wo k o th wo k o t o whi h th da a er r e r u f c e m g o d stri ut n fr i b i g o a i e wa pe fo m d o y ur be a f by ar s s s r r e n o h l

r. Acc s O Di c o u e O Con id n i l Oe s r s l s r f f e t a rsubco tr cto .n a r P rso a n o m ti ne n l I f r a o

m. D m g o I p i ed P o erty O P o ertya a e T m a r r p r r p "Bo i y in u y o "pro e ty da a e a i i g o td l j r " r p r m g " r s n u

N t h sic l y In u edo P y a l j r o a y a ce s to o di cl sure o a y pe so 'f n c s r s o f n r n s

"Pro e ty da a e to "i p i e pro e t " op r m g " m a r d p r y r o o g ni a i n' co f de ti l or pe so ar r a z t o s n i n a r n l pro e ty th t ha no be n l in u e ,p r a s t e l y j r d i f rm t o .n o a i n a i i g o t o :r s n u f

s. Asb st se o

(1) A in d qu cy or, a e a

(1) "Bo i y in u y o "pro e ty da a e a i i gd l j r " r p r m g " r s nda g ro s in "y ur pro uct on e u o d " r o t o th a t a o a l g d pre e ce ou f e c u l r l e e s n r"y ur o k ; ro w r " o a t a , a l ge o th e t ne di pe sa oc u l l e d r r a e d s r l f(2) A de a o fa l r by y u o a y nl y r i u e o r n o e a be to , a be to fi e s o pro u tss s s s s s b r r d co y ur be a f to pe fo m a on o h l r r r co ta n n a be to , pro i e th t then i i g s s s vd d aa re m nt i cco d nce w t t t rm .g e e n a r a i h i s e s "bo i y i j ry o "pro e ty da a e id l n u " r p r m g " s

Thi e cl si n do s no a pl to the l ss o ses x u o e t p y o f u ca se o co t i ut d to by the ha a d usu d r n r b e z r o o o h r pro e t a i in o t o sudd n a df t e p r y r s g u f e n pro e ti s o sbe to .p r e f a s s

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Includes copyrighted material of Insurance Services Office, Inc. with its permission.

particular incorrectly accidental product" recall inspection

Section occupied product, withdrawn because suspected defect deficiency inadequacy

Electronic actual restricts

"unsolicited communication".

physica deficiency condition acting contract subco t a t r wo k n di e t y o i d re tln r c o s r i g r c l r n i c y performed on it.

o re a l d fro th m rk t o fro use by a yr c l e m e a e r m n or inability to manipulate "electronic data".

defect,

(2) "Bo i y in u y o "pro e ty da a e a i i g e pl y e t- e a ed l j r " r p r m g " r s n m o m n r l t d de cri es b d in o t o th o a l g d pre e ce o Pa a r pu f e r l e e s n r r g a h (a), (b), ro (c) a o e ib v s a l ge o th e t ne di pe sa ol e d r r a e d s r l f Thi e cl si n a pl e whe he th in ure m ys x u o p i s t r e s d a a y so i , li ui , ga e us o th r an l d q d s o r e m l be l a l s a e p o e r n ny o hei b e a n m l y r o i a t r o i cl di g sm k , v po s,r n u n o e a r a d t a y o l ga i n to sha e da a e wit on o n b i t o r m g s h r so t fu e , , a k l s, a do , m s l a i n re a so e ne e se who m st pa da a ep y m o l u y m g s wa te a d th t a e pa t o a y os , n a r r f n r be a se o he "bo i y i j r ".c u f t d l n u y "sui " whi h a so a l ge a y "bo i y i j ryt c l l e s n d l n u " Ex l si nsc u o c. th o gr u h n. do no a p y to "pre i et p l m s s o "pro e ty da a e de cri e inr p r m g " s b d da a e . A se a a e li i o i sura ce a p i s tom g " p r t m t f n n p l e Pa a r pr g a h (1) a o eb v . "pre i e da a e a de cri e in Pa a r pm s s m g " s s b d r g a h 6. of

III – Li i s O nsur n em t f I a c .(3) An l ss, co t o e p nse a i in o t oy o s r x e r s g u f a yn : CO ERA E B – P RSO A A D AD ERT SI GV G E N L N V I N

IN U Y L AB L TJ R I I I Y( )a Re ue t, de a d o de o sta ut ry oq s m n , r r r t o r

1. In u in g e m ns r g A r e e tre u a o y re ui e e t tha a y i sureg l t r q r m n t n n d o o he s te t fo , m ni o , cle n up,r t r s r o t r a a. We wi l pa th se sum tha th i surel y o s t e n d re o e co t i , tre t de o i y om v , n a n a , t x f r le a l o l ga e to pa a da a eg l y b i t d y s m g s ne t a i e o i a y wa re po d to ou r l z , r n n y s n , r o "pe so a a d a v rt si g in ur " tof r n l n d e i n j y a se s the e f ct o , a be to ,s s f e s f s s s th s i sura ce a pl e . We wi l ha e thei n n p i s l v a be to fi e s o pro uct co t i i gs s s b r r d s n a n n ri ht a d du y to de e d t e i sure a a nst a yg n t f n h n d g i n a be to ; rs s s o "sui " se k n th se da a e . Ho e e , we wi lt e i g o m g s w v r l ha e no dut to de e d the in ure a a n t a yv y f n s d g i s n( )b Cl i o sui by o o be a f o a ya m r t r n h l f n "sui " se k n da a e fo "pe so a a dt e i g m g s r r n l ngo e n e t l a t o i y o a y o h rv r m n a u h r t r n t e a v rt si g in ur " to thi i sura ce do sd e i n j y s n n epe so o o ga i a i n or n r r n z t o f no a p y We m y at o r t p l . a , u ,te ti g fo , m n t r ng cl a i g up,s n r o i o i , e n n i v sti a e a y o fe se a d se t e a y cla m on e g t n f n n t l n i rre o i g, con a ni g, tre t ngm v n t i n a i , "sui " th t a e ul . Bu :t a m y r s t tde o i yng o ne t a i i g o in a yt x f i r u r l z n , r n wa re po di g to o a se sin they s n n , r s s g (1) The a o n we wil pa fo da a e ism u t l y r m g s e fe t o , a be to , a be to fi e s o l m te a de cri e if c s f s s s s s s b r r i i d s s b d n III – Li i sm t pro uct co t i i g a be to . Of I sura ce a dd s n a n n s s s n n ; n

t. Em l ymen -Rel te ra ti esp o t a d P c c (2) Ou rig t a d dut to de e d e d whe wer h n y f n n n ha e use up th li i ov d e m t f"Bo i y i j r " tod l n u y :

i sur n e i the pa m nt o j d m n s on a c n y e f u g e t r(1) A e so ri in ut o nyp r n a s g o f a :

se tl m n s und r Co e a et e e t e v r g s A or B or(a) Re usa o e p o h t e so ;f l t m l y t a p r n x e se un e o e a ee p n s d r C v r g C.

(b) Te m na i n o tha pe so 'sr i t o f t r n

No o he o l g t o o l a i i y to pa sum ot r b i a i n r i b l t y s re pl y e t rm o m n ; o pe f r o se v ce i unl ssr o m r r i s s e(c) Em l y e t re a ep o m n - l t d , , e pl ci l pro i e fo un e Su p e e t ryx i t y v d d r d r p l m n ao o i si n, such a co rci n,r m s o s e o Pa m nt .y e sde o i n, e a u ti n re ssi nm n ,m t o v l a o , a g e t

b. Thi i sura ce a pl e to "pe so a a ds n n p i s r n l ndi cip i e fa l re to pro o e os l n , i u m t r a v rti i g in ur " ca se by a o fe se a i i gd e s n j y u d n f n r s na v nce ha a sm n , hum l a i nd a , r s e t i i t o , o t o y u bu i e s but o l i th o f nse wau f o r s n s n y f e f e sdi crim na i n, li e , sl nd r v o a i ns i t o b l a e , i l t o co m t e in th "co e a e te r t r " du i g thm i t d e v r g r i o y r n eo th pe so 's rig t of e r n h f po i y p ri d.l c e oo fa se a re t,r l r s de e t o o i p i o m n a p i d t ot n i n r m r s n e t p l e o r 2 Ex l si n. c u o s a tha pe so , re a dl ss ot t r n g r e f

Thi i sura ce d e no p l os n n o s t a p y t :whe he such ot r , , r

a. Kn w n i l t o f i h s f n th ro i g V o a i n O R g t O A o eo i si n i a p i d o ism s o s p l e r co m t e be o e duri g o a t r them i t d f r , n r f e "Pe so a a d a v rt sin in ur " ca se by or n l n d e i g j y u d r ti e o t a e so 's e p o m nt rm f h t p r n m l y e ; o a th o the i sure wi h thet e f n d t

(2) The spo se chi d pa e t bro h r o sisteu , l , r n , t e r r k o l d e th t the wo l v o a e the rig tn w e g a u d i l t h s o tha pe so a a co se u nce o "bo i yf t r n s n q e f d l o a o h r a d wo l "pe so a a df n t e n u d r n l n i j ry to tha pe so a who a y o then u " t r n t m n f a v rt si g i j r ".d e i n n u y

Pa e 6 o 21g f CG 1 0 02 1T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission.

actual actual, irritant practices capacity contaminant, acids chemicals claim because

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Thi e cl si n do s no a pl to "pe so a a a nst a ci i o as x u o e t p y r n l g i v l r l e n t v di putt r a i e s e re o u i n pro e di g is l t o c e n n da a e to th s in ura cem g s i s nb Mate ia u l s ed Wi h Kn w ed e O. r l P b i h t o l g f a pl e a e a l ge .p i s r l e dF l i ya s t

f. B ea h O o tracr c f C n t"Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f o a o wri te pu l ca i n i cl di g "Adv rt sinr l r t n b i t o , n u n e i g i j ry a i i g o t on u " r s n u f a bre ch oa f co tr ctn a .

th o th i sure wi h kno l d e oe f e n d t w e g f g Q a it O erfo m n e f o d – F i u e. u l y r P r a c O G o s a l r i s f l i yt a s t . To Co fo m To S at m n sn r t e e t

c. Mate ia u l s ed O s d P i r T o i yr l P b i h r U e r o o P l c "Adv rt sin in ur " a i i g o t o th fa l re oe i g j y r s n u f e i u f P rioe d go ds, pro uct o se v ce to co fo m wi ho d s r r i s n r t

(1) "Pe so a a d a v rt sin n u y a i i g o t a y sta e e t o quar n l n d e i g i j r " r s n u n t m n f l t o pe foi y r r rm n e m dea c a o o a o wri t n pu l ca i n i o r "a v rt se ef r l r t e b i t o , n y u d e i m nt ."

pu l ca i n by e e t o i m a s, o m t ri lb i t o l c r n c e n f a e a h Wro g D s ri ti n O ric s. n e c p o f P e who e fi st pu l ca i n to k pl ce be o es r b i t o o a f r

"Adv rt sin in u y a i i g o t o the wro ge i g j r " r s n u f nth b gi ni g o t e p l cy pe i d re e n n f h o i r o ; o de cri t o o the pri e o go ds, pro uct os p i n f c f o d s r

(2) "Ad e t si g i j ry a i i g ou ofv r i n n u " r s n t se vce sta e n y ur "a v rt se e t .r i s t d i o d e i m n " i f i ge e t o co y i ht "ti l " o "sl g n"n r n m n f p r g , t e r o a

i. In el ec u l P op rtyt l t a r ei y ur "a v rt se e t who e fi stn o d e i m n " s r i f i ge e t i y ur "a v rt se e t wa "Pe so a a d a v rt sinn r n m n n o d e i m n " s r n l n d e i g in u y a i i g o tj r " r s n u of co m t e be o e the be i n n o the a y o a l g d i fm i t d f r g n i g f n r l e e n ri ge e t o v o an m n r i l t o oi n f po i y p r o . a y o th fo l wi g ri h s o la s, o a yl c e i d n f e l o n g t r w r n o h rt e

"pe so a a d a v rt si g in ur " a l ge i a yr n l n d e i n j y l e d n nd Crim n l Act. i a s cl i o "sui " th t a so a l ge a y sucha m r t a l l e s n

"Pe so a nd a v rt si g i j ry a i i g o t o ar n l a d e i n n u " r s n u f i f i ge e t r i l t o :n r n m n o v o a i n cri i a co m t e by o a the om n l m i t d r t f

(1) Co y i h ;p r g tth i sure .e n d

(2) Pa e tt n ;e. Co trac u l L ab l tn t a i i i y

(3) Tra e d e s;d r s"Pe so a a d a v rt sin in ur " fo ther n l n d e i g j y r i sure ha a sum d l a i i y in a on d s s e i b l t r (4) Tra e n m ;d a e a re m nt Thi e cl sio do s no a pl tog e e . s x u n e t p y (5) Tra e a kd m r ;

l a i i y f r a a e :i b l t o d m g s

(6)

(1) Tha the i sure o l a e i h a se cet n d w u d h v n t e b n

(7) Ot e n e l ctu l p o e t i h s o a s.h r i t l e a r p r y r g t r l w

Thi e cl sio d e no p l os x u n o s t a p y t :(2) Be a se o "pe so a in u y a sum d byc u f r n l j r " s e y u in a o a re m nt th t i ao r g e e a s n (1) "Ad e t si g i j ry a i i g o t o a yv r i n n u " r s n u f n "i sure co tr ct , pro i e th t then d n a " vd d a o a l g d i fri g m n o v o a i n or l e e n n e e t r i l t o f "pe so a in u y i ca se by a o f n er n l j r " s u d n f e s a o h r's co y i h , "ti l " o "sl g n" in t e p r g t t e r o a n y ur "a v rt se e t ; ro d e i m n " o th o a re m n . So e y fo thee r g e e t l l r

(2) An o h r "pe so a a d a v rt sin in u yy t e r n l n d e i g j r "pu po e o li b l ty a sum d by y u i ar s s f a i i s e o n n a l ge in a y cla m o "sui " th t a sol e d n i r t a l"i sure co t a t , re so a l a t r e s'n d n r c " a n b e t o n y a l ge a y such i f i ge e t o v o a i nl e s n n r n m n r i l t ofe s a d ne e sa y l t ga i n e pe see n c s r i i t o x n s o a o h r' co y i ht "ti l " o "sl g n" if n t e s p r g , t e r o a ni cu re by o fo a pa ty o he th n an r d r r r t r a n y ur "a v rt se e t .o d e i m n "i sure wi l be de m d to be da a en d l e e m g s be a se o "pe so a i j ry , ro i e h t:c u f r n l n u " p v d d t a j. In u ed I ed a n n e ne ypes r s n M i A d I t r t T B si e s su n s e(a) Li b l t to such pa t fo , o fo tha i i y r y r r r e co t o , th t pa t ' de e se ha a sos f a r ys f n s l "Pe so a a d a v rt si g in ur " ca se by ar n l n d e i n j y u d n be n a sum d by y u in th sa ee s e o e m o fe se co m t e by a i sure who ef n m i t d n n d s "i sure o t a t ; ndn d c n r c " a bu i e s i :s n s s

(b) Su h a t r e s' fe s a d l t g t oc t o n y e n i i a i n

(1) Ad e t si g o pu l shi g;v r i n , r b i n e pe se a e fo de e se o th t pa tx n s r r f n f a r y

CG 1 0 02 1T 0 9 Pa e 7 o 21g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission.

publication direction including which which actual act direction which contract contract contract actual

"broadcasting" injury" caused by malicious prosecution.

by e e tro i m a s, o a e i l f do e by o tl c n c e n f m t r a , i n r a of the contract or agreement; or co m t e sub e ue t to th e e ut o om i t d s q n e x c i n f

Trade secret; or

(2) De ig i g o de e m n n con e t o ne tr l z n , o i a y wa es n n r t r i i g t n f u a i i g r n n y r spo di g on n t , ro we sit s f r o he s; rb e o t r o

(3) An In e n t se rch, a ce s, co t nt ot r e a c s n e r o War.

se v ce p o i e .r i r v d r "Pe so a nd a v rt si g i j ry a i i g o t o :r n l a d e i n n u " r s n u f

Ho e e , thi e cl si n do s no a p y tow v r s x u o e t p l (1) Pa a ra hr g p s a. 1)( , (2) a dn (3) o th d fi i i n ff e e n t o o

(2) Wa l k by a m l ta y fo ce in l d ngr i e i i r r , c u i"pe so a i j ry .r n l n u " a t o i hi d ri g o de e d ng a a n t ac i n n n e n r f n i g i s n

F r t e p rp se o h s e cl sio :o h u o s f t i x u n a t a o e pe t d a t ck by a yc u l r x c e t a , n

(1) Cre t n a d pro uci g co re po de ce go e nm nt so e e gn o oa i g n d n r s n n v r e , v r i r t e a t o i yh r u h r t wri t n in the co d ct o y u busin ss, usin i i a y pe so n lt e n u f o r e g m l t r r n e o t e ge t ; or o h r a n s r bu l t ns, fi a ci l o a n a re o t , ol e i n n a r n u l p r s r (3) In urre t o , re e l o , re o ut o , usurp ds c i n b l i n v l i n e ne sle te s a o t y u go ds, pro u ts ow t r b u o r o d c r po e , o ta e by go e n e t lw r r k n v r m n a se vce wil no be co si e e ther i s l t n d r d a th ri y i hi d r ng o de e di g a a nstu o t n n e i r f n n g i bu i e s o u l shi g; a ds n s f p b i n n a y o he en f t s .

(2) The pl ci g o fra e , bo d rs o l n s, oa n f m s r e r i k r p U so i i e o m n ca i n. n l c t d C m u i t o a v rt sin , fo y u o o he s a y he e od e i g r o r t r n w r n

"Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u fth Int rn t wi l no , by i se f, be co si e ee e e l t t l n d r d a y o a l ge v o a i n o a y l w th tn r l e d i l t o f n a ath bu i e s o a v rt si g "bro dca ti ge s n s f d e i n , a s n " o pro i i s the se d ng tr n m t i gr h b t n i , a s i t no pu l shi g.r b i n o d stri ut n f "un o i i e co m ni a i n".r i b i g o s l c t d m u c t o

k. El c ro i h t oo s O u le i B arde t n c C a r m r B l t n o s q Acc s O Di c o u e O Con id n i l O. e s r s l s r f f e t a r

"Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f P rso a n o m ti ne n l I f r a o a e e tro i cha r o o bul e i bo rd then l c n c t o m r l t n a

"Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f i sure ho ts o o ns, o o e whi h then d s r w r v r c a y a ce s to o di cl sure o a y pe so ' on c s r s o f n r n s r i sure x rci e co t o .n d e e s s n r l o ga i a i n' co fi e t a o pe so ar n z t o s n d n i l r r n l

l. U au h rized U e f n th r's a e On t o s O A o e N m r i f rm t o .n o a i n

P o u tr d c r. Asb st se o "Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f (1) "Pe so a a d a v rt sin n u y a i i g o tr n l n d e i g i j r " r s n u th una t o i e use o a o he 's na e oe u h r z d f n t r m r o the o a l ge pre e ce of r l e d s n r pro uct in y ur - a l a d e s, o a n n m od o e m i d r s d m i a e r a l ge r hre t n d i pe sa o a be to ,l e d o t a e e d s r l f s s s m ta a , o a y o he sim l r ta ti s to m sl ae t g r n t r i a c c i e d a be to fi e s o pro u ts co t i i gs s s b r r d c n a n n a o h r s p t nt a usto e s.n t e ' o e i l c m r a be to , pro i e th t th "pe so a a ds s s vd d a e r n l n

m. P l u i no l t o a v rt sin in ur " i ca se o co tr bu ed e i g j y s u d r n i t d to by t e h z rd us pro e ti s o sbe to .h a a o p r e f a s s "Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f

(2) "Pe so a a d a v rt sin n u y a i i g o tr n l n d e i g i j r " r s n uth a l ge o th e te e di cha g ,e l e d r r a n d s r e o the o a l ge pre e ce of r l e d s n rdi pe sa , se pa e m gra i n, re e se os r l e g , i t o l a r a l ge o th e t ne di pe sa o a y so i ,l e d r r a e d s r l f n l de ca e o "po l t n s" a ny t m .s p f l u a t t a i e l q i , ga e us o th rm l ir i a t oi u d s o r e a r t n r n P l u i n Rel t d.