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Certificates of Insurance A� CERTIFICATE OF LIABILITY INSURANCE DAT10/5/2021 ) THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy,certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: Kaylee Onnen Insurance Office of America, Inc. PHONE FAX 854 Washington Street NW A/c No Ext: 770-250-0213 A/c No:678-450-9180 Suite 200 E-MAILADDRESS: kaylee.onnen@ioausa.com Gainesville GA 30501 INSURER(S)AFFORDING COVERAGE NAIC# INSURERA: Insurance Company of the West 27847 INSURED RIDGCOM-01 INSURERB:Lloyd's Syndicate 2623\623(Beazley Furlonge Ltd) Ridge Communications, Inc. w PO Box 558 suRERc:AMCO Insurance Company 19100 San Ramon CA 94583 INSURERD: Depositors Insurance Company 42587 INSURERE: Nationwide Mutual Insurance Company 23787 INSURER F: COVERAGES CERTIFICATE NUMBER: 162008785 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR INSR WVD POLICY NUMBER MWDD/YYY MWDD/YYY D GENERAL LIABILITY ACPGLD03049572407 12/31/2020 12/31/2021 EACH OCCURRENCE $1,000,000 DAMAGE TO RENTED X COMMERCIAL GENERAL LIABILITY PREMISES Ea occurrence $100,000 Approved by Risk Management with Attachm mt CLAIMS-MADE OCCUR MED EXP(Any one person) $10,000 t r PERSONAL&ADV INJURY $1,000,000 v, _..�°,t GENERAL AGGREGATE $2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS-COMP/OP AGG $2,000,000 POLICY X JEoT LOC 10-12-2021 $ D AUTOMOBILE LIABILITY ACPBAPD3049572407 12/31/2020 12/31/2021 COMBINED SINGLE LIMIT Ea accident $1 000 000 X ANY AUTO BODILY INJURY(Per person) $ ALL OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS AUTOS X HIRED AUTOS X NOTOSWNED Per a RTY DAMAGE $ C X UMBRELLA LAB X OCCUR ACPCAA3049572407 12/31/2020 12/31/2021 EACH OCCURRENCE $5,000,000 EXCESS LIAB CLAIMS-MADE AGGREGATE $5,000,000 DED RETENTION$ $ A WORKERS COMPENSATION WGA 5035547 04 12/31/2020 12/31/2021 X WC STATU- OTH- AND EMPLOYERS'LIABILITY Y/N TORY LIMITS I ER ANY PROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $1,000,000 OFFICER/MEMBER EXCLUDED? N/A (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $1,000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $1,000,000 B Professional Liability W1 B67C200601 12/31/2020 12/31/2021 Each Claim/Aggregate $2M/$2M E Leased/Rented Equipment ACPCIM3049572407 12/31/2020 12/31/2021 Limit $150,000 Installation Floater Limit $1'000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (Attach ACORD 101,Additional Remarks Schedule,if more space is required) CG7323 12/16 Contractors Enhancement Plus Endorsement Including Medical Payments CG7246 11/15 Additional Insured-Owners, Lessees or Contractors-Automatic Status For Other Parties When Required In Written Construction Agreement CG2001 04/13 Primary and Noncontributory-Other Insurance Condition AC7006 03/16 Business Auto Protection—Platinum UMB0002 04/13 Commercial Umbrella Liability Policy E1 3203 07/1 9 Amend Subrogation Endorsement WC990634 08/00 Waiver Of Our Right To Recover From Others Endorsement-Blanket WC990627 10/98 Waiver Of Our Right To Recover From Others Endorsement Partners,Officers and Others Exclusion: Michael Patridge, Russ Patridge CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. Monroe County BOCC 1100 Simonton Street AUTHORIZED REPRESENTATIVE Key West FL 33040 @ 1988-2010 ACORD CORPORATION. All rights reserved. ACORD 25(2010/05) The ACORD name and logo are registered marks of ACORD WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 99 06 27 (Ed. 10-98) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule, but this waiver applies only with respect to bodily injury arising out of the operations described in the Schedule where you are required by a written contract to obtain this waiver from us. This endorsement shall not operate directly or indirectly to benefit anyone not named in the Schedule. The premium for this endorsement is shown in the Schedule. Schedule 1. ( ) Specific Waiver Name of Person or Organization (X ) Blanket Waiver Any person or organization for whom the named insured has agreed by written contract to furnish this waiver. 2. Operations: ALL GEORGIA OPERATIONS 3. Premium The premium charge for this endorsement shall be 2 percent of the premium developed on payroll in connection with work performed for the above person(s) or organization(s) arising out of the operations described. 4. Minimum Premium 5. Advance Premium This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 12/31/2020 Policy No. WGA 5035547 04 Endorsement No. Insured RIDGE COMMUNICATIONS INC Premium $ INCL. Insurance Company INSURANCE COMPANY OF THE WEST Countersigned By WC 99 06 27 (Ed. 10-98) INSURED Effective date of this Endorsement: 31-Dec-2020 This Endorsement is attached to and forms a part of Policy Number: W1 1367C200601 Syndicate 2623/623 at Lloyd's. referred to in this endorsement as either the "Insurer" or the "Underwriters" AMEND SUBROGATION ENDORSEMENT This endorsement modifies insurance provided under the following: Beazley MediaTech In consideration of the premium charged for the Policy, it is hereby understood and agreed that Subrogation under GENERAL CONDITIONS is deleted in its entirety and replaced with the following: Subrogation If any payment is made under this Policy and there is available to the Underwriters any of the Insured's rights of recovery against any other party, then the Underwriters will maintain all such rights of recovery. The Insured will do whatever is reasonably necessary to secure such rights and will not do anything after an incident or event giving rise to a Claim or Loss to prejudice such rights. If the Insured has waived its right to subrogate against a third party, including, but not limited to those scheduled below, through written agreement made before an incident or event giving rise to a Claim or Loss has occurred, then the Underwriters waive their rights to subrogation against such third party. Any recoveries will be applied first to subrogation expenses, second to Loss paid by the Underwriters, and lastly to the Retention. Any additional amounts recovered will be paid to the Named Insured. Third Party(ies): n/a All other terms and conditions of this Policy remain unchanged. Y Authori d Representative E13203 Page 1 of 1 072019 ed. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 99 06 34 (Ed. 8-00) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT-BLANKET We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us). The additional premium for this endorsement shall be 2 % of the total California Workers' Compensation premium otherwise due. Schedule Person or Organization Job Description ANY PERSON OR RE: ALL CALIFORNIA ORGANIZATION FOR OPERATIONS WHOM THE NAMED INSURED IS REQUIRED UNDER WRITTEN CONTRACT TO FURNISH THIS WAIVER. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 12/31/2020 Policy No. WGA 5035547 04 Endorsement No. Insured RIDGE COMMUNICATIONS INC Premium $ INCL. Insurance Company INSURANCE COMPANY OF THE WEST Countersigned By WC 99 06 34 (Ed. 8-00) INSURED COMMERCIAL GENERAL LIABILITY CG 73 23 12 16 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTORS ENHANCEMENT PLUS ENDORSEMENT INCLUDING MEDICAL PAYMENTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Lost Key Coverage D. Expanded Property IDamage Coverage 1 Under Section I — Coverages, Coverage A 1 For the purposes of this endorsement only: Bodily Injury And Property Damage Section I — Coverages, Coverage A Liability, coverage is extended to include Bodily Injury And Property Damage the following: Liability, 2. Exclusions, Exclusion j. If a customer's master or grand key, Damage To Property is amended as follows: excluding electronic key card, is lost, a. Paragraphs (3), (5), and (6) are deleted damaged or stolen while in your care, in their entirety. custody or control we will pay the cost of b. Paragraph (4) is deleted in its entirety replacing the keys, including the master lock and replaced with: and all keys used in the same lock, the cost (4) Personal property in the care, of adjusting locks to accept the new keys, or custody, or control of the insured: the cost to replace the locks, whichever is less. (a) for storage or sale at premises 2. Limit of Insurance—For the purpose of this you own, rent or occupy; or coverage the most we will pay is $ 10,000 (b) while being transported by any per"occurrence". aircraft, "auto" or watercraft B. Voluntary Property IDamage owned or operated by or rented 1. Section I — Coverages, Coverage A Bodily to or loaned to any insured. Injury And Property Damage Liability, c. The coverage provided by this coverage is extended to include the following: endorsement does not apply to"property damage": At your request, we will pay for "property (1) Arising out of the disappearance or damage" to property of others caused by you loss of use of personal property; or and while in your possession, arising out of your business operations and occurring during the (2) Included in the "products-completed policy period. operations hazard". 2. Limit of Insurance— For the purpose of this 2. Limit of Insurance - The most we will pay coverage the most we will pay is $1,500 per for loss arising out of any one "occurrence" "occurrence". is$5,000. C. Non-Owned Watercraft 3. Deductible - Our obligation to pay for a Under Section I — Coverages, Coverage A covered loss applies only to the amount of Bodily Injury And Property IDamage Liability, loss in excess of$250. 2. Exclusions, Exclusion g. Aircraft, Auto Or We will pay the deductible amount to effect Watercraft Paragraph (2) (a) is replaced with: settlement of any claim or "suit" and, upon (a) Less than 51 feet long; and notification of this action having been taken, you shall promptly reimburse us for the deductible as has been paid by us. CG 73 23 12 16 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 5 with its permission. CG7323121G This insurance is primary toany expanded d. All reasonable expenses incurred by the property damage coverage provided by a insured at our request to assist us in the separate endorsement attached to this investigation or defense of the claim or po|ioy, and it will supplant any deductible in ^auiy^, including actual |oea of earnings up to said endorsement 05DDa day because of time off from work. E. Damage To Premises Rented To You G. Newly Formed And Acquired Organizations 1. Under Section | — Covaragea. Coverage Under SECTION || — WHO IS AN INSURED Bodily Injury And Property Damage Paragraph 3.a. is replaced with: Liability, the last paragraph of 2. a. Coverage under this provision is afforded Exclusions is replaced with: only until the 1801u day after you acquire or |f Damage To Premises Rented To You is form the organization or the end of the policy not otherwise exo|uded. Exclusions o. period, whichever isearlier; through in. do not apply to damage by fire. H. Additional Insured — Automnatio Status When |ightning, exp|oekzn, amoke, or sprinkler Required In An Agreement Or Contract With leakage to premises while rented to you or You temporarily occupied by you with permission Section || —VVho Is An Insured is amended to of the owner. include: 3. Under Section ||| — Limits Of Insurance, 1. Any peraon(a) ororganization(a)described Paragraph G is replaced with: in Paragraph a. —d. below with whom you G. Subject to 5. above. the Damage To have agreed in writing ina contract or Premises Rented To You Limit is the written agreement that such person or most we will pay under Coverage Afor organization be added as an additional damages because of"property damage" insured on your policy during the policy to any one premisea, while rented to period shown in the Declarations. you, or in the case of damage by fire. 2. Any other person or organization you are hghtning, exp|oaion, smoke or sprinkler required to add as an additional insured |eakage, while rented to you or under the contract or agreement described temporarily occupied by you with in Paragraph 1. above. permission of the owner. The limit is The person or organization added as an increased to01.DDD.DDD. insured by this endorsement is an insured 3 Under �mx���� |\/ Commercial ��m�ara|' — only for liability due to: Liability Conditions, 4 Ot�er |�aura�om. b.� a Lessors of Leased Equipmemt — x�th Exomao Insurance (1) (a) (Ii) is replaced ' respect to their liability for"bodily injury", with: , "property damage", or "personal and (Ii) That is Fire. Lightning, Explosion, Smoke advertising irjury^, caused in whole or in or Sprinkler leakage insurance for part by your maintenance, operstion, or premises rented to you or temporarily use of equipment leased to you bysuch occupied by you with permission of the person(s) or organizstion(a). This owner. insurance does not apply to any F. Supplementary Payments ^ocourrenoe^ which takes place after the Under Section | — Coverages, Supplementary equipment lease expires. Paymnenta — Covaragea Aand B Paragraphs However, their status as additional 1.b and 1.d. are replaced with: insured under this policy ends when b. Up to 02.500for cost of bail bonds required their |ease, contraot, or agreement with because of accidents or traffic law violations you for such leased equipment expires. arising out of the use of any vehicle towhich b. ManagaroorLmaooroofPnennioea — the Bodily Injury Liability Coverage applies. with respect to liability arising out of the We do not have to furnish these bonds. ownerahip, maintenanoe, or use of that part of the premises you own. rent. lease, oroccupy. Page of Includes copyrighted material of Insurance Services Office, |oo., CG7323121G CG7323121G This insurance does not apply to: (1) Your acts oromissions; or (1) Any ^000umanoe^ which takes place (2) The acts or omissions of those after you cease to be a tenant in acting on your behalf; in the that premises. performance of your ongoing (2) Structural a|terations, new con- operations performed for that additional inaured atruotion, or demolition operations ' whether the work performed by or on behalf of the is performed by you or on your person or organization. beha|f. to apply to: However, their status as additional The insurance does not app insured under this policy ends when you (1) "Bodily irjury^. "property damage", cease tobea tenant of such premises. or "personal and advertising injury" o. State or Political Subdivision — arising out of the rendering of or the failure to render any professional Permits Relating to Premises — with respect to the following hazards for ' engineering, or survey which the state or political subdivision ' including: has issued a permit or authorization in (a) The preparing, approving, or connection with premises you own, rent, failing to prepare or approve or control and to which this insurance mape, shop drawings, opinions, applies. reporta, aurvey, field orders, (1) The exietence change orders, ordr�winga �nd maintenance, rep�ir, ' ' ' eoi�os�iona or oonatruotion, ereotion, or removal of specifications; advertising signs, awnings. (b) 8upervieory, inspeotion, arohi- oanopiea, cellar entranoes, coal teotura| or engineering activities. ho|es, driveways, manho|es. This exclusion applies even if marquees, hoist away openinga, the claims against any insured sidewalk vau|ta, street bannera, or allege negligence or other decorations and similar exposures; wrongdoing in the aupervision, or hiring, emp|oyment, training or (2) The construotion, ereotion, or monitoring of others by that removal of elevators; or insured, if the "occurrence" (3) The ownership maintenance or use which caused the "bodily injury" of any elevators covered by this or "property damage", or the offense which caused the insurance. "personal and advertising This insurance does not apply to: irjury^, involved the rendering (1) "Bodily injury" or "property damage" of, or failure to render, any or "personal or advertising injury" prohasaiona|, arohiteotura|, arising out of operations performed engineering, or surveying for the state or municipality; or services. (2) "Bodily injury" or "property damage" (2) "Bodily injury" or "property damage" included within the "products- occurring after: completed operations hazard^' (a) All work, including msteria|a. However, such state or political Parta, or equipment furnished in subdivision's status as additional connection with such work, on insured under this policy ends when the the project (other than aervioe, permit ends. mainhananoe, or repairs) to be pedormedbyoronbeh�|fofthe d O��aro �maoeea �r ����trax��ro — � ' ' additional insured(s) s� the with respect to liability for "bodily injury", |mostion of the covered ^property damage". or "personal and operations has been completed; advertising injury" caused in whole or in or part, by: CG7323121G Includes copyrighted material of Insurance Services Office, |oo., Page 3of5 CG7323121G (b) That portion of "your work" out b. You have agreed in vvhdng in a contract of which the injury or damage or agreement that this insurance would arises has been put to its be primary and would not seek intended use by any person or contribution from any other insurance organization other than another available tothe additional insured. contractor or subcontractor |. Employee Bodily Injury ToAnother Employee engaged in performing Under Section || — VVho Is An Insured The operations for a principal as a part of the same project. following is added to Paragraph2.a.(1): However, a person ororganizstion^a Paragraphs 2.a.(1) (a). (b) and (o) do not apply status as additional insured under to "bodily injury" to a co-"employee" in the this policy ends when your course of the co-"employee's" employment by operations for that additional insured you, or to "bodily injury" to a co-"volunteer are completed. worker" while performing duties related to the With respect to the insurance afforded to conduct of your business. such additional insureds a. — d. described J. Broad Form Named Insured above, the following is added to Section ||| Under Section || — Who Is An Insured The ��nn��aOf|�aura�om�� — following is added to Paragraph 2.: If coverage provided to the additional m. Any business entity incorporated or insured is required by a contract or organized under the laws of the United State agreement, the most we will pay on behalf of of America (including any State thereof) its the additional insured is the amount of ' territories or possessions, or Canada insurance: (including any Province thereof) in which the 1. Required by the contract or agreement; Named Insured shown in the Declarations or mwna, during the policy period, an interest of 2. Available under the applicable Limits of more than fifty percent. If other valid Insurance shown in the Declarations: collectible insurance is available to any whichever isless. business entity covered by this solely by This endorsement shall not increase the reason of ownership by the Named Insured applicable Limits of Insurance shown in the shown in the Declarations in excess of fifty Declarations. Percent, this insurance is excess over the However, the insurance afforded to such other inaurance, whether primary, exceaa, additional insureds a. —d. described above: contingent, oron any other basis. 1. Only applies to the extent permitted by K. Aggregate Limit Per Location law; and Under Section ||| — Limits Of Insurance the 2. Will not be broader than that which you following is added to Paragraph2: are required by the contract or The General Aggregate Limit under Section ||| agreement to provide for such additional Limits Of Insurance applies separately toeach insured. of your locations owned by or rented to you or 3. Primary and Noncontributory — Other temporarily occupied by you with the permission Insurance Conditions of the owner. For the purposes of this provision. The following is added to the Other location means premises involving the same or Insurance Condition and supersedes any connecting |ota, or premises whose connection provisions to the contrary: is interrupted only by a public street, roadway. Primary and Noncontributory Insurance waterway or railroad right-of-way. This insurance is primary to and will not L. Aggregate Limit Per Project seek contribution from any other insurance Under Section ||| — Linnita Of Insurance The available toan additional insured under your following paragraph is added to Paragraph 2: policy provided that: The General Aggregate Limit under Section ||| a. The additional insured is a Named Limits Of Insurance applies separately toeach Insured under such other insurance; and of your construction projects away from premises owned byor rented toyou. Page 4of5 Includes copyrighted material of Insurance Services Office, |oo., CG7323121G CG7323121G M. Medical Payments inception date of the policy ahsd| not Under Section ||| — Limits Of |nauranoe, prejudice the coverage afforded by this Paragraph 7. is replaced with: policy provided such failure to disclose all 7. Subject to5. above hazards or prior^000urrenoes^ or offenses is the � ' not intentional. This provision does not a. 010.000; or affect our right to collect additional premium b. The amount shown in the Declarations or exercise our right of cancellation or non- for Medical Expense Limit is the most renewal. we will pay under Coverage C for all P. Waiver OfSubrogation medical expenses because of "bodily Under Section |\/ — Commercial General injury" sustained by one person. Liability Conditiona, G. Transfer Of Rights Of This coverage does not apply if Coverage C Recovery Against Others To Us the following — Mmdioa| Payments isexcluded either by paragraph is added: the provisions of any coverage forma If required by a written contract executed prior to attached to the policy orbyendorsement. |oea, we waive any right of subrogation we may N. Knowledge OfAmOccurrence have against the contracting person or Under Section |\/ — Commercial General organization because of payments we make for Liability Conditiona, the following is added to injury or damage arising out of your ongoing 2. Dutlmo In The Event Of Ooournamom, operations or "your work" done under a contract Offense, Claim Or Suit: with that person or organization and included in m. Knowledge of an ocourrenoe, offense, claim the"products-completed operations hazard^' or suit by an agent or employee of any Q. Liberalization insured shall not in itself constitute Under Section |\/ — Commercial General knowledge of the insured unless you. a Liability Condltiona, the following paragraph is partner, if you are a partnership; or an added: executive officer or insurance manager, if ' 18. Liberalization you are a corporation receives such notice of an ocourrenoe, offenae, claim or suit from If we revise this coverage form to provide more the agent oremployee. coverage without additional premium oharge, your policy will automatically provide the t The requirements in Paragraph b. will not be considered breached unless there is additional coverage as of the day the revision is knowledge of occurrence as outlinedeffeotiveinyouratsteined in . Paragraph m. above. R. Broadened Bodily Injury Definition (Mental O. Unintentional Failure To�Dioo|oae Hazard Anguish) — Under Section \/ Definitions Definition 3 Under �mx���� IV — Commercial General , ' "Bodily Injury" i�rep|�oedv�th� Liability Conditions, Condition G. Representations the hd|ovvng paragraph is 3. "Bodily injury" means physical irjury, added: aioknesa, or disease to a person and if arising out of the foregoing mental anguish, d. Your failure to disclose all hazards or prior ' ' "occurrences" mental injury, shock, or humiliation, ocourrenoe� oro�en�e� exieting ��ofthe ' including death at any time resulting therefrom. All terms and conditions of this policy apply unless modified by this endorsement. CG7323121G Includes copyrighted material of Insurance Services Office, |oo., Page of COMMERCIAL GENERAL LIABILITY CG 72 46 11 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - AUTOMATIC STATUS FOR OTHER PARTIES WHEN REQUIRED IN WRITTEN CONSTRUCTION AGREEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Section II — Who Is An Insured is amended to a. All work, including material, parts or include as an additional insured: equipment furnished in connection with Ongoing Operations such work, on the project (other than 1. Any person or organization for whom you are service, maintenance or repairs) to be performing operations when you and such performed by or on behalf of the person or organization have agreed in writing additional insured(s) at the location of the in a contract or agreement that such person covered operations has been completed: or organization be added as an additional or insured on your policy; and b. that operation of "your work" out of which 2. Any other person or organization you are the injury or damage arises has been put required to add as an additional insured to its intended use by any person or under the contract or agreement described in organization other than another Paragraph 1. above. contractor or subcontractor engaged in performing operations for a principal as a Such person(s) or organization(s) is an additional part of the same project. insured only with respect to liability for "bodily B. Section II — Who Is An Insured is amended to injury", "property damage" or "personal and include as an additional insured: advertising injury"caused, in whole or in part, by: a. Your acts or omissions; or Products—Completed Operations b. The acts or omissions of those acting on Any person or organization with whom you have your behalf; agreed in writing in a contract or agreement that such person or organization be added as an in the performance of your ongoing operations for additional insured on your policy with respect to the additional insured. liability for "bodily injury" or "property damage" However, the insurance afforded to such caused, in whole or in part, by "your work" additional insured described above: performed for such person or organization and a. Only applies to the extent permitted by included in the "products-completed operations law; and hazard". b. Will not be broader than that which you However, the insurance afforded to such are required by the contract or agreement additional insured described above: to provide for such additional insured. a. Only applies to the extent permitted by A person's or organization's status as an law; and additional insured for ongoing operations ends b. Will not be broader than that which you when your operations for the person or are required by the contract or agreement organization described in Paragraph 1. above are to provide for such additional insured. completed. C. With respect to the insurance afforded to these With respect to insurance afforded to these additional insureds, this insurance does not apply additional insureds for ongoing operations, this to "bodily injury", "property damage" or "personal insurance does not apply to "bodily injury" or and advertising injury" arising out of the rendering "property damage" occurring after: CG 72 46 11 15 Includes copyrighted material of Insurance Services Office, Inc. Page 1 of 2 with its permission. CG 72 46 11 15 of, or the failure to render, any professional 2. Available under the applicable Limits of architectural, engineering or surveying services, Insurance shown in the Declarations; including: whichever is less. 1. The preparing, approving, or failing to prepare This endorsement shall not increase the or approve, maps, shop drawings, opinions, applicable Limits of Insurance shown in the reports, surveys, field orders, change orders Declarations. or drawings and specifications; or E. With respect to the insurance afforded to these 2. Supervisory, inspection, architectural or additional insureds, the following is added to engineering activities. Section IV — Commercial General Liability This exclusion applies even if the claims against Conditions, Condition 4. Other Insurance and any insured allege negligence or other supersedes any provision to the contrary: wrongdoing in the supervision, hiring, Primary And Noncontributory Insurance employment, training or monitoring of others by This insurance is primary to and will not seek that insured, if the 'occurrence" which caused the contribution from any other insurance "bodily injury" or "property damage", or the available to an additional insured under your offense which caused the "personal and policy provided that: advertising injury", involved the rendering of, or the failure to render, any professional (1) The additional insured is a Named architectural, engineering or surveying services. Insured under such other insurance; and (2) You have agreed in writing in a contract D. With respect to the insurance afforded to these or agreement that this insurance would additional insureds, the following is added to be primary and would not seek Section III—Limits Of Insurance: contribution from any other insurance The most we will pay on behalf of the additional available to the additional insured. insured is the amount of insurance: 1. Required by the contract or agreement described in Paragraph A.1. or Paragraph B.; or All terms and conditions of this policy apply unless modified by this endorsement. Page 2 of 2 Includes copyrighted material of Insurance Services Office, Inc. CG 72 46 11 15 with its permission. COMMERCIAL GENERAL LIABILITY CG 20 01 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to the Other Insurance (2) You have agreed in writing in a contract or Condition and supersedes any provision to the agreement that this insurance would be contrary: primary and would not seek contribution Primary And Noncontributory Insurance from any other insurance available to the This insurance is primary to and will not seek additional insured. contribution from any other insurance available to an additional insured under your policy provided that: (1) The additional insured is a Named Insured under such other insurance; and All terms and conditions of this policy apply unless modified by this endorsement. CG 20 01 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 1 COMMERCIAL AUTO AC 70 06 03 16 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS AUTO PROTECTION - PLATINUM This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM SUMMARY OF COVERAGES A. Effect of This Endorsement B. Newly Acquired of Formed Entities C. Employees as insureds Nonowned Autos D. Additional Insured by Contract, Permit or Agreement E. Supplementary Payments Bail Bonds F. Supplementary Payments Loss of Earnings G. Personal Effects and Property of Others Extension H. Prejudgment Interest Coverage I. Fellow Employees J. Hired Auto Physical Damage K. Temporary Substitute Autos Physical Damage Coverage L. Expanded Towing Coverage M. Auto Loan or Lease Coverage N. Original Equipment Manufacturer Parts Leased Private Passenger Types O. Deductible Amendments P. Expanded Transportation Expense Q. Extra Expense Stolen Autos R. Physical Damage Limit of Insurance S. New Vehicle Replacement Cost T. Physical Damage Coverage Extensions U. Business Income and Extra Expense Coverage V. Transfer of Rights Of Recovery Against Others To Us W. Section IV Business Auto Conditions Notice of and Knowledge of Occurrence - Hired Car Coverage Territory Y. Emergency Lockout Z. Cancellation Condition AC 70 06 03 16 Includes copyrighted material of Insurance Services Office, Inc. Page 1 of 7 with its permission COMMERCIAL AUTO AC 70 06 03 16 A. EFFECT OF THIS ENDORSEMENT If specifically required by the written contract or Coverage provided under this policy is modified agreement referenced in the paragraph above, by the provisions of this endorsement. If there any coverage provided by this endorsement to is any conflict between the provisions of this an additional insured shall be primary and endorsement and the provision(s) of any state- any other valid and collectible insurance avail- specific endorsement also attached to this poli- able to the additional insured shall be non- cy, then the provision(s) of the state-specific contributory with this insurance. If the written endorsement shall apply instead of the provi- contract does not require this coverage to be sions of this endorsement that are in conflict, primary and the additional insured's coverage to but only to the extent of the conflict, and only to be non-contributory, then this insurance will be the extent necessary to bring such provisions excess over any other valid and collectible insur- into conformance with the state requirement(s) ance available to the additional insured. contained in the provision(s)of the state-specific E. SUPPLEMENTARY PAYMENTS — BAIL endorsement. BONDS B. NEWLY AC-UIRED OR FORMED ENTITIES Supplementary Payments of SECTION II The Named Insured shown in the Declarations is COVERED AUTOS LIABILITY COVERAGE is amended to include any organization you newly revised as follows: acquire or form, other than a partnership, joint (2) Up to $3,000 for cost of bail bonds (including venture, or limited liability company, and over bonds for related traffic law violations) re- which you maintain ownership or majority (more quired because of an "accident" we cover. than 50%) interest; if there is no other similar in- We do not have to furnish these bonds. surance available to that organization. Coverage F. SUPPLEMENTARY PAYMENTS — LOSS OF under this provision is afforded until the 180th EARNINGS day after you acquire or form the organization or Supplementary Payments of SECTION II the end of the policy period, whichever is later. COVERED AUTOS LIABILITY COVERAGE is C. EMPLOYEES AS INSUREDS — NONOWNED revised as follows: AUTOS (4) All reasonable expenses incurred by the "in- The following is added to paragraph A.1. Who Is sured" at our request, including actual loss An Insured of SECTION II COVERED AUTOS of earnings up to $1,000 a day because of LIABILITY COVERAGE: time off from work. d. Any "employee" of yours is an "insured" G. PERSONAL EFFECTS AND PROPERTY OF while using a covered "auto" you don't own, OTHERS EXTENSION hire or borrow in your business or your per- 1. The Care, Custody or Control Exclusion of sonal affairs. SECTION II COVERED AUTOS LIABILITY D. ADDITIONAL INSURED BY CONTRACT, COVERAGE, does not apply to "property dam- PERMIT OR AGREEMENT age" to property, other than your property, up to The following is added to A.1. Who Is An In- an amount not exceeding $500 in any one "acci- sured of SECTION II COVERED AUTOS dent". Coverage is excess over any other valid LIABILITY COVERAGE: and collectible insurance. Any person or organization that you are re- 2. The following paragraph is added to A.4. quired to name as an additional insured in a Coverage Extensions of SECTION III - written contract or agreement that is executed PHYSICAL DAMAGE COVERAGE: or signed by you prior to a "bodily injury' or c. We will pay up to $1,000 for your prop- "property damage" occurrence is an "insured" erty that is lost or damaged as a result for Covered Auto Liability coverage. How- of a covered "loss", without applying a ever, with respect to covered "autos", such deductible. Coverage is excess over person or organization is an insured only to any other valid and collectible insur- the extent that person or organization qualifies ance. as an "insured" under A.1. Who is an Insured of SECTION II COVERED AUTOS LIABILITY COVERAGE: Page 2 of 7 Includes copyrighted material of Insurance Services Office, Inc. AC 70 06 03 16 with its permission COMMERCIAL AUTO AC 70 06 03 16 H. PREJUDGMENT INTEREST COVERAGE e. Destruction The following paragraph is added to SECTION II The coverage that applies is the same as COVERED AUTOS LIABILITY COVERAGE, the coverage provided for the vehicle being 2. Coverage Extensions, a. Supplementary replaced. Payments: L. EXPANDED TOWING COVERAGE (7) Prejudgment interest awarded against the 1. We will pay up to: "insured" on that part of the judgment we a. $150 for a covered "auto" you own of pay. If we make an offer to pay the appli- the private passenger type, or cable limit of insurance, we will not pay b. $750 for a covered "auto" you own that any prejudgment interest based on that is not of the private passenger type, period of time after the offer. I. FELLOW EMPLOYEE for towing and labor costs incurred each time the covered "auto" is disabled. Howev- The Fellow Employee Exclusion of SECTION II - er, the labor must be performed at the place COVERED AUTOS LIABILITY COVERAGE, of disablement. does not apply if the "bodily Injury" results from 2. This coverage applies only for an "auto" the use of a covered "auto" you own or hire. covered on this policy for Comprehensive or The insurance provided under this provision is Specified Causes of Loss Coverage and excess over any other collectible insurance. Collision Coverages. J. HIRED AUTO PHYSICAL DAMAGE 3. Payment applies in addition to the otherwise If covered "auto" designation symbols 1 or 8 ap- applicable amount of each coverage you ply to Liability Coverage and if at least one "au- have on a covered "auto". to" you own is covered by this policy for Com- M. AUTO LOAN OR LEASE COVERAGE prehensive, Specified Causes of Loss, or Colli- sion coverages, then the Physical Damage 1. In the event of a total "loss" to a covered coverages provided are extended to "autos" you "auto", we will pay any unpaid amount due lease, hire, rent or borrow without a driver; and on the loan or lease, including up to a max- provisions in the Business Auto Coverage Form imum of $500 for early termination fees or applicable to Hired Auto Physical Damage apply penalties, for your covered "auto" less: up to a limit of $125,000. The deductible will be a. The amount paid under SECTION III equal to the largest deductible applicable to any PHYSICAL DAMAGE COVERAGE of owned "auto" for that coverage. Any Compre- this policy; and hensive deductible does not apply to fire or b. Any: lightning. 1) Overdue lease/loan payments at the K. TEMPORARY SUBSTITUTE AUTOS — time of the "loss"; PHYSICAL DAMAGE COVERAGE 2) Financial penalties imposed under a The following is added to paragraph C. Certain lease for excessive use, abnormal Trailers, Mobile Equipment And Temporary wear and tear or high mileage; Substitute Autos of SECTION I COVERED 3) Security deposits not refunded by a AUTOS: lessor; If Physical Damage Coverage is provided by 4) Costs of extended warranties, Credit this Coverage Form, the following types of Life insurance, Health, Accident, or vehicles are also covered "autos" for Physi- Disability insurance purchased with cal Damage Coverage: the lease; and Any "auto" you do not own while used with 5) Carry-over balances from previous the permission of its owner as a temporary leases. substitute for a covered "auto" you own that is out of service because of its: 2. This coverage only applies to a "loss" which a. Breakdown; is also covered under this policy for Com- prehensive, Specified Causes of Loss, or b. Repair; Collision coverage. c. Servicing; d. "Loss"; or AC 70 06 03 16 Includes copyrighted material of Insurance Services Office, Inc. Page 3 of 7 with its permission COMMERCIAL AUTO AC 70 06 03 16 3. Coverage does not apply to any unpaid curred by you because of the total theft of a amount due on a loan for which the covered covered "auto" of the private passenger type. "auto" is not the sole collateral. We will only pay for those covered "autos" for N. ORIGINAL E-UIPMENT MANUFACTURER which you carry Comprehensive or Specified PARTS — LEASED PRIVATE PASSENGER Causes of Loss Coverage. We will pay for tem- TYPES porary transportation expenses incurred during Under Paragraph C. Limit of Insurance of the period beginning 24 hours after the theft and SECTION III PHYSICAL DAMAGE ending, regardless of the policy's expiration, COVERAGE, Section 4 is added as follows: when the covered "auto" is returned to use or we 4. We will use new original equipment vehicle pay for its "loss". manufacturer parts for any private passen- EXTRA EXPENSE—STOLEN AUTOS ger type covered "auto" where required by The following paragraph is added to Section A.4. the lease agreement which has a term of at of SECTION III - PHYSICAL DAMAGE least six months. If a new original equip- COVERAGE: ment vehicle manufacturer part is not in pro- c. We will pay for up to $5,000 for the expense duction or distribution we may use a like, of returning a stolen covered "auto" to you. kind and quality replacement part. We will pay only for those covered "autos" O. DEDUCTIBLE AMENDMENTS for which you carry Comprehensive or Spec- The following are added to the Deductible provi- ified Causes of Loss Coverage. sion of SECTION III PHYSICAL DAMAGE R. PHYSICAL DAMAGE LIMIT OF INSURANCE COVERAGE: Under SECTION III PHYSICAL DAMAGE If another policy or coverage form that is not an COVERAGE, Paragraph C., Limit of Insurance automobile policy or coverage form issued by is replaced by the following: this company applies to the same "accident", the C. Limit Of Insurance following applies: 1. The most we will pay for "loss" in any one 1. If the deductible under this coverage is the "accident" is the lesser of: smaller (or smallest) deductible, it will be a. The actual cash value of the damaged waived: or stolen property as of the time of the 2. If the deductible under this coverage is not "loss", or the smaller (or smallest) deductible, it will be b. The cost of repairing or replacing the reduced by the amount of the smaller (or smallest)deductible. damaged or stolen property. If a Comprehensive or Specified Causes of Loss 2. $2000 is the most we will pay for "loss" in Coverage "loss" from one "accident" involves any one "accident" to all electronic equip- two or more covered "autos", only the highest ment that reproduces, receives or transmits audio, visual or data signals which, at the deductible applicable to those coverages will be time of"loss", is: applied to the "accident," if the cause of the loss is covered for those vehicles. This provision only a. Permanently installed in or upon the applies if you carry Comprehensive or Specified covered "auto" in a housing, opening or Causes of Loss Coverage for those vehicles, other location that is not normally used and does not extend coverage to any covered by the "auto" manufacturer for the instal- "autos" for which you do not carry such lation of such equipment. coverage. b. Removable from a permanently installed No deductible applies to glass if the glass is re- housing unit as described in Paragraph paired, in a manner acceptable to us, rather than 2.a. above or is an integral part of that replaced. equipment; or P. EXPANDED TRANSPORTATION EXPENSE c. An integral part of such equipment. Paragraph AA.a. of SECTION III PHYSICAL 3. An adjustment for depreciation and physical DAMAGE COVERAGE is replaced by the condition will be made in determining actual following: cash value in the event of a total "loss". We will pay up to $50 per day to a maximum of 4. The cost of repairing or replacing may: $1500 for temporary transportation expense in- Page -of 7 Includes copyrighted material of Insurance Services Office, Inc AC 70 06 03 16 with its permission. COMMERCIAL AUTO AC 70 06 03 16 a. Be based on an estimate which includes titled and which you purchased less than parts furnished by the original equip- 365 days before the date of the "loss". ment manufacturer or other sources in- cluding non-original equipment manu- T. PHYSICAL DAMAGE COVERAGE facturers and EXTENSIONS b. If a repair or replacement results in bet- Under SECTION III PHYSICAL DAMAGE ter than like kind or quality, we will not COVERAGE, A. Coverage, 4. Coverage Exten- pay for the amount of the net improve- sions, b. Loss of Use Expenses is replaced by ment. the following: 5. If we offer to pay the actual cash value of b. Loss of Use Expenses the damaged or stolen property, we will value auto advertising wraps, paint customi- For Hired Auto Physical Damage, we will zation, and similar business related advertis- pay expenses for which an "insured" ing modifications, in addition to the actual becomes legally responsible to pay for loss cash value of the property. Auto advertising of use of a vehicle rented or hired without a wraps, paint customization, and similar driver, under a written rental contract or business related advertising modifications agreement. We will pay for loss of use will be valued at the cost to replace them expenses if caused by: with an adjustment made for depreciation (1) Other than collision if the Decla- and physical condition. rations indicate that Comprehen- S. NEW VEHICLE REPLACEMENT COST sive Coverage is provided for any The following is added to the Limit of Insurance covered "auto"; provision of SECTION III - PHYSICAL (2) Specified Causes of Loss only if DAMAGE COVERAGE: the Declarations indicate that 5. The provisions of paragraphs 1.and 3. do Specified Causes of Loss Cover- not apply to a covered "auto" of the private age is provided for any covered passenger type or a vehicle with a gross ve- "auto"; or hicle weight rating of 20,000 pounds or less (3) Collision only if the Declarations which is a "new vehicle." indicate that Collision Coverage In the event of a total "loss" to your "new ve- is provided for any covered "auto." hicle" to which this coverage applies, we will pay at your option: However, the most we will pay for any a. The verifiable "new vehicle" purchase expenses for loss of use is $50 per day, to a price you paid for your damaged vehi- maximum of$1,500. The insurance provided cle, not including any insurance or war- by this provision is excess over any other ranties purchased; collectible insurance. b. If it is available, the purchase price, as U. BUSINESS INCOME AND EXTRA EXPENSE negotiated by us, of a "new vehicle" of COVERAGE the same make, model, and equipment 1. Business Income Coverage or the most similar model available, not We will pay the actual loss of business in- including any furnishings, parts, or come sustained by you as a result of the equipment not installed by the manufac- necessary suspension of your business dur- turer or manufacturers' dealership; or . ing the period of restoration due to "loss" to c. The market value of your damaged ve- a covered "auto" used in your business. The hicle, not including any furnishings, loss must be caused by a cause of loss cov- parts, or equipment not installed by the ered under item Al of Physical Damage manufacturer or manufacturer's dealer- Coverage in this Coverage Part. ship. 2. Extra Expense Coverage We will not pay for initiation or set up costs We will pay the necessary and reasonable associated with loans or leases extra expenses that you incur during the pe- As used in this endorsement, a "new vehi- riod of restoration that you would not have cle" means an "auto" of which you are the incurred had there been no "loss" to a cov- original owner that has not been previously ered "auto" used in your business. The loss AC 70 06 03 16 Includes copyrighted material of Insurance Services Office, Inc. Page 5 of 7 with its permission COMMERCIAL AUTO AC 70 06 03 16 must be caused by a cause of loss listed (a) The time required to resume under item Al of Physical Damage Cover- your normal business opera- age in this Coverage Part. Extra Expenses tions; or means those expenses you incur to avoid or (b) The time that is reasonably minimize the suspension of business and to necessary to repair or replace continue your business operations. the covered auto with a maxi- 3. Additional Conditions mum time period of 180 days. We will not pay for "loss" or expenses Period of Restoration does not caused by suspension, lapse or cancellation include any increased period of any license, lease or contract. But if the required due to the enforcement suspension, lapse or cancellation is directly of any ordinance or law that re- caused by the suspension of your business, quires any insured or others to we will cover such "loss" that affects your test for, monitor, clean up, re- business income. We will not pay under this move, contain, treat, detoxify or coverage if you do not repair or replace the neutralize or in any way respond covered "auto". You must resume all or part to or assess the effects of pollu- of your business as quickly as possible. If tants. The expiration date of this you have other autos you can use to reduce policy will not cut short the peri- the amount of loss payable under this cov- od of restoration. erage, you are required to use them. We will V. TRANSFER OF RIGHTS OF RECOVERY pay for expenses you incur to reduce the AGAINST OTHERS TO US amount that otherwise would have been The following is added to the Transfer Of Rights payable under this coverage. We will not Of Recovery Against Others To Us Condition: pay more than the amount by which you ac- We waive any right of recovery we may tually reduce the business income loss or have against any person or organization to extra expense incurred. the extent required of you by a written con- Limit tract executed prior to any "accident" be- The most we will pay for "loss" arising out of cause of payments we make for damages one covered "auto" is $10,000 per loss with under this coverage form. an annual aggregate of $20,000. Payment W. NOTICE OF AND KNOWLEDGE OF applies in addition to the otherwise applica- OCCURRENCE ble amount of each coverage you have on a SECTION IV BUSINESS AUTO covered "auto". CONDITIONS, Paragraph A is amended as 5. Definitions follows: a. 'Business Income" means the: 6. NOTICE OF AND KNOWLEDGE OF 1.). Net income (Net profit or loss before OCCURRENCE income taxes) that would have been a. Your obligation in the Duties in the Event earned or incurred if no loss would of Accident, Claim, Suit or Loss Condi- have occurred; and tion relative to notification require- 2.). Continuing normal operating ments applies only when the "accident" expenses incurred, including payroll. or"loss" is known to: b. "Period of Restoration" means the (1) You, if you are an individual; period of time that: (2) A partner, if you are a partnership; 1.). Begins: (3) A member, if you are a limited liability (a) 24 hours after the time of loss company; or for Business Income Coverage; (4) An executive officer or insurance or manager, if you are a corporation. (b) Immediately after the time of b. Your obligation in the. Duties in the Event loss for Extra Expense of Accident, Claim, Suit or Loss Condition Coverage; and relative to providing us with documents 2.) Ends at the earliest of: concerning a claim or "suit" will not be Page 6 of 7 Includes copyrighted material of Insurance Services Office, Inc. AC 70 06 03 16 with its permission COMMERCIAL AUTO AC 70 06 03 16 considered breached unless the breach covered "auto" and you are unable to enter occurs after such claim or "suit" is known such "auto" , or to: 2. Your keyless entry device battery dies and (1) You, if you are an individual; you are unable to enter such "auto" as a (2) A partner, if you are a partnership; result, (3) A member, if you are a limited liability 3. Your key, electronic key or key entry pad company; or has been lost or stolen and you have (4) An executive officer or insurance changed the lock to prevent an unauthorized manager, if you are a corporation. entry; and 4. Original copies of receipts for services of a locksmith must be provided before X. HIRED CAR—COVERAGE TERRITORY reimbursement is payable. Item (5) of the Policy Period, Coverage Territory Z. CANCELLATION CONDITION General Condition is replaced by the following: Paragraph A.2. of the COMMON POLICY (5)Anywhere in the world if a covered "auto" CONDITION CANCELLATION applies except is leased, hired, rented or borrowed without a as follows: driver for a period of 30 days or less; and If we cancel for any reason other than nonpay- Y. EMERGENCY LOCKOUT ment of premium, we will mail or deliver to the We will reimburse you up to $100 for reasonable First Named Insured written notice of cancella- expense incurred for the services of a locksmith tion at least 60 days before the effective date of to gain entry into your covered "auto" subject to cancellation. This provision does not apply in these provisions: those states that require more than 60 days prior notice of cancellation. 1. Your door key, electronic key or key entry pad has been lost, stolen or locked in your AC 70 06 03 16 Includes copyrighted material of Insurance Services Office, Inc. Page 7 of 7 with its permission UMB 00 02 04 13 COMMERCIAL UMBRELLA LIABILITY POLICY Various provisions in this policy restrict coverage. 6. If we are prevented by law from paying on Please read the entire policy and any "underlying in- behalf of the "insured"for coverage provided surance" carefully to determine rights, duties and under this insurance, then we will indemnify what is covered and not covered. the "insured". Throughout this policy the words "you" and "your" 7. With respect to any coverage provided by refer to the Named Insured shown in the "underlying insurance" that is on a claims- Declarations and any other person or organization made basis: qualifying as a Named Insured under this policy. a. this insurance does not apply to "injury The words "we", "us", and 'bur" refer to the company or damage" which occurred before the providing this insurance. Retroactive Date, if any, shown in the Other words and phrases that appear in quotation "underlying insurance", or which occurs marks are defined in this policy. These definitions after the policy period; and are found in the Definitions section or the specific b. the aggregate limit shall not be rein- policy provision where they appear. stated on this insurance except by endorsement thereon. INSURING AGREEMENTS B. Coverage B - Umbrella Liability Insurance A. Coverage A - Excess Follow Form Liability 1. Under Coverage B, we will pay on behalf of Insurance the "insured" damages the insured" be- comes legally obligated to pay by reason of 1. Under Coverage A, we will pay on behalf of liability imposed by law because of "bodily the "insured" that part of "loss" covered by injury", "property damage", or "personal and this insurance in excess of the total advertising injury" covered by this insurance applicable limits of "underlying insurance", which takes place during the Policy Period provided the injury or offense takes place and is caused by an 'occurrence". We will during the Policy Period of this policy. The pay such damages in excess of the terms and conditions of "underlying Retained Limit Aggregate specified in the insurance" are, with respect to Coverage A, Declarations or the amount payable by made a part of this policy except with "other insurance", whichever is greater. respect to: 2. Damages because of "bodily injury" include a. any contrary provision contained in this damages claimed by any person or policy; or organization for care or loss of services b. any provision in this policy for which a resulting at any time from "bodily injury". similar provision is not contained in 3. This coverage applies anywhere. "underlying insurance". 4. The amount we will pay is limited as de- 2. With respect to the exceptions stated above, scribed in Limits of Insurance. the provisions of this policy will apply. 5. Coverage B will not apply to any loss, claim 3. The amount we will pay for damages is or "suit' for which insurance is afforded limited as described in Limits of Insurance. under "underlying insurance" or would have 4. Notwithstanding anything to the contrary been afforded except for the exhaustion of contained above, if "underlying insurance" the limits of insurance of "underlying does not cover "loss" for reasons other than insurance". exhaustion of an aggregate limit of 6. We have no obligation under this insurance insurance by payment of claims, then we will with respect to any claim or "suit' settled not cover such "loss". without our consent. 5. We have no obligation under this insurance 7. If we are prevented by law from paying on with respect to any claim or "suit' settled behalf of the "insured"for coverage provided without our consent. under this insurance, then we will indemnify the" insured". Page 2 of 20 Includes copyrighted material of Insurance Services Office, Inc., UMB 00 02 04 13 with its permission.