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Insurance - Eco Partners, Inc. - 2024-07-17 (Initialed Copy)
ECOPART-01 KRILEY ACC►RL7" CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, 7/17/2024 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 rights to the certificate holder in lieu of such endorsement(s). PRODUCER NAME CT Karen Riley Cincinnati Insurance Company PHONE, oExt): (877 687-1291 FAX 513 881-8114 () (A/c, No):(513) Cincinnati Customer Care Center P.O. Box 145496 1 ADDRIESS: CincinnatiCerts@cinfin.com Cincinnati, OH 45250-5496 INSURERS AFFORDING COVERAGE I NAIC # INSURER A: Cincinnati Insurance Company 10677 INSURED INSURER B Eco Partners Inc. INSURER C: 7026 W LONE CACTUS DR INSURER D: GLENDALE, AZ 85308-9511 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: 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 LTR . TYPE OF INSURANCE ADDL SUBRI INSD WVD' POLICY EFF POLICY EXP POLICY NUMBER MM/DDNYYY MM/DDIYYYY LIMITS A X COMMERCIAL GENERAL LIABILITY CLAIMS -MADE X OCCUR X i EPP 0660601 7/17/2024 7/17/2025 EACH OCCURRENCE $ 1'000'000 DAMAGE TO RENTED 500,000 PREMI ES Ea occurrence $ MED EXP (Any oneperson) $ 10,000 PERSONAL & ADV INJURY $ 1'000'000 GEN'L AGGREGATE LIMIT APPLIES PER: X POLICY JECT PRO- LOC GENERAL AGGREGATE $ 2,000,000 I PRODUCTS -COMP/OP AGG $ 2,000,000 $ OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident $ BODILY INJURY Perperson) $ ANY AUTO OWNED SCHEDULED AUTOS ONLY AUTOS ( BODILY INJURY Per accident $ PROPERTY DAMAGE Per accident $ HIRED NON ED AUTOS ONLY AUTOS ONLY i $ UMBRELLA LIAB OCCUR EACH OCCURRENCE $ AGGREGATE $ EXCESS LIAB j CLAIMS -MADE DED RETENTION $ $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N PER STATUTE EORH ANY PROPRIETOR/PARTNER/EXECUTIVE WFICE( R/MEMBER EXCLUDED? andatory in NH) N / A ( E.L. EACH ACCIDENT $ E.L. DISEASE - EA EMPLOYEE $ If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ i DESCRIPTION OF OPERATIONS / LOCATIONS ! VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) The following entities are granted additional insured status on a Primary and/or Non -Contributory Basis including Waiver of Subrogation on the Commercial General Liability Coverage Part: The Costa Mesa Sanitary District, It's elected and appointed officials, agents, officers, volunteers and employees are additional insureds. Cancellation Notification or Material Change form IA4481 attached CERTIFICATE HOLDER CANCELLATION ACORD 25 (2016/03) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE COSTA MESA SANITARY DISTRICT, ITS ELECTED & THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. APPOINTED OFFICIALS, AGENTS, OFFICERS, VOLUNTEERS OYEES AUTHORIZED REPRESENTATIVE 290 PAULARINO AVE COSTA MESA, CA 92626-3314 " .` f 49&%tA ACORD 25 (2016/03) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CANCELLATION NOTIFICATION OR MATERIAL CHANGE - GOVERNMENT INTEREST This endorsement modifies insurance provided under the following: COMMERCIAL AUTO COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL UMBRELLA LIABILITY COVERAGE PART EXCESS LIABILITY COVERAGE PART CLAIMS -MADE EXCESS LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART PROFESSIONAL LIABILITY COVERAGE PART SCHEDULE Name and mailing address of person(s) or organization (s): COSTA MESA SANITARY DISTRICT 290 PAULARINO AVE COSTA MESA, CA 92626-3314 Any cancellation or material change in the coverage adversely affecting the Government's interest shall not be effective: a. For such period as the law of the state in which this contract is to be performed prescribe; or b. Until 30 days after the insurer or the contractor gives written notice to the Contracting Office shown in the schedule; whichever period is longer. IA 448112 22 Page 1 of 1 A+1 ia - CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) 07/17/2024 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 SUBROGATIONIS 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: AUTOMATIC DATA PROCESSING INS AGCY POLICY EXP MM/DD/Y YYY PHONE (800) 524-7024 (A/C, No, Ext): FAX (A/C, No): 76250717 71 HANOVER ROAD FLORHAM PARK NJ 07932 E-MAIL ADDRESS: INSURER(S) AFFORDING COVERAGE NAIC# INSURER A : Hartford Fire and Its P&C Affiliates 00914 INSURED INSURER B: ECO PARTNERS INC. INSURERC: 7026 W LONE CACTUS DR INSURER D : GLENDALE AZ 85308 INSURER E: INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NIIMRFR• 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 LTR TYPE OF INSURANCE ADDL INSR SUBR WVD POLICY NUMBER POLICY EFF MM/DD/YYYY POLICY EXP MM/DD/Y YYY LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE CLAIMS-MADE❑OCCUR DAMAGE TO RENTED PREMISES Ea occurrence MED EXP (Any one person) PERSONAL & ADV INJURY GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE POLICY ❑ PRO- ❑ LOC JECT PRODUCTS - COMP/OP AGG OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident BODILY INJURY (Per person) ANY AUTO ALL OWNED SCHEDULED AUTOS AUTOS BODILY INJURY (Per accident) HIRED NON -OWNED PROPERTY DAMAGE AUTOS AUTOS (Per accident) UMBRELLA LIAB OCCUR EACH OCCURRENCE EXCESS LIAB CLAIMS - MADE AGGREGATE DED RETENTION $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY X I PER OTH- STATUTE ER E.L. EACH ACCIDENT $1,000,000 A ANY Y/N PROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBER EXCLUDED? N/ A X 76 WEG D16609 08/15/2024 08/15/2025 E.L. DISEASE -EA EMPLOYEE $1,000,000 (Mandatory in NH) If yes, describe under E.L. DISEASE - POLICY LIMIT $1,000,000 DESCRIPTION OF OPERATIONS below DESCRIPTION OF OPERATIONS /LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Those usual to the Insured's Operations. Notice of Cancellation will be provided in accordance with Form WC990394, attached to this policy. Waiver of Subrogation applies in favor of the Certificate Holder per Waiver of our Right to Recover from Others Endorsement WC000313 attached to this policy. [N_r1:111:1*]11111114KOFT11 Ll rim :10 WAT111 9 rel . Costa Mesa Sanitary District SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED 290 PAULARINO AVE BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED COSTA MESA CA 92626-3314 IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE ACORD 25 (2016/03) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD THE HARTFORD BUSINESS SERVICE CENTER THE 3600 WISEMAN BLVD HARTFORD SAN ANTONIO TX 78251 Costa Mesa Sanitary District 290 PAULARINO AVE COSTA MESA CA 92626-3314 Account Information: Policy Holder Details : ECO PARTNERS INC. July 17, 2024 Ll Contact Us Need Help? Chat online or call us at (866) 467-8730. We're here Monday - Friday. Enclosed please find a Certificate Of Insurance for the above referenced Policyholder. Please contact us if you have any questions or concerns. Sincerely, Your Hartford Service Team WLTRO05 THE CINCINNATI INSURANCE COMPANY A Stock Insurance Company UOMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Attached to and forming part of POLICY NUMBER: EPP 066 06 01 Named Insured is the same as it appears in the Common Policy Declarations LIMITS OF INSURANCE EACH OCCURRENCE LIMIT $1,000,000 GENERAL AGGREGATE LIMIT $2,000,000 PRODUCTS -COMPLETED OPERATIONS AGGREGATE LIMIT $2,000,000 PERSONAL & ADVERTISING INJURY LIMIT $ 1,000,000 ANY ONE PERSON OR ORGANIZATION DAMAGE TO PREMISES RENTED TO YOU LIMIT ANYONE $100,000 limit unless otherwise indicated herein: $ SEE GA210 PREMISES MEDICAL EXPENSE LIMIT $5,000 limit unless otherwise indicated herein: $ SEE GA210 ANY ONE PERSON CLASSIFICATION CODE PREMIUM RATE ADVANCE PREMIUM NO. BASE A - Area Products / All Other Products / All Other B - Payroll Completed Completed C - Gross Sales Operations Operations D - Units E - Other LOC. 1 - AZ PUBLISHERS -NEWSPAPERS - 58458 .187 OT NFP INCL PROD AND/OR COMP OP BROADENED COVERAGE 20291 2.5% ADDITIONAL INSUREDS - 29919 OWNER, LESSEE, CONTRACTOR ADDITIONAL INSUREDS - 29920 OWNER, LESSEE, CONTRACTOR PREMIUM TO MEET COVERAGE PART MINIMUM The General Liability Coverage Part is subject to an annual minimum premium. TOTAL ANNUAL PREMIUM $ FORMS AND / OR ENDORSEMENTS APPLICABLE TO COMMERCIAL GENERAL LIABILITY COVERAGE PART: CG0001 04/13 COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG2010 12/19 ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION CG2013 12/19 ADDITIONAL INSURED - STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION - PERMITS OR AUTHORIZATIONS RELATING TO PREMISES GA 532 07 08 EPP 066 06 01 Page 1 of 2 FORMS AND / OR ENDORSEMENTS APPLICABLE TO COMMERCIAL GENERAL LIABILITY COVERAGE PART: CG2037 12/19 ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - COMPLETED OPERATIONS CG2106 05/14 EXCLUSION - ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA -RELATED LIABILITY - WITH LIMITED BODILY INJURY EXCEPTION CG2132 05/09 COMMUNICABLE DISEASE EXCLUSION CG2147 12/07 EMPLOYMENT - RELATED PRACTICES EXCLUSION CG2503 05/09 DESIGNATED CONSTRUCTION PROJECT(S) GENERAL AGGREGATE LIMIT CG2504 05/09 DESIGNATED LOCATION(S) GENERAL AGGREGATE LIMIT GA210 09/20 COMMERCIAL GENERAL LIABILITY BROADENED ENDORSEMENT GA3064 09/20 EXCLUSION - ASBESTOS GA3074 09/22 EXCLUSION - CYBER LIABILITY GA4250 09/20 MOBILE EQUIPMENT SUBJECT TO MOTOR VEHICLE INSURANCE LAWS GA4531 09/20 AMENDMENT - POLLUTANT DEFINITION GA4533 12/22 COMMERCIAL GENERAL LIABILITY AMENDATORY ENDORSEMENT GA4566 06/22 AMENDMENT - RECORDING AND DISTRIBUTION OF MATERIAL OR INFORMATION IN VIOLATION OF LAW EXCLUSION GA 532 07 08 EPP 066 06 01 Page 2 of 2 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Endorsement -Table of Contents: Coverage: Begins on Page: 1. Employee Benefit Liability Coverage.......................................................................................2 2. Unintentional Failure To Disclose Hazards.............................................................................8 3. Damage To Premises Rented To You......................................................................................8 4. Supplementary Payments.........................................................................................................9 5. Medical Payments......................................................................................................................9 6. 180 Day Coverage For Newly Formed Or Acquired Organizations......................................9 7. Waiver Of Subrogation...........................................................................................................10 8. Automatic Additional Insured -Specified Relationships: .................................................. 10 (a) Managers Or Lessors Of Premises (b) Lessor Of Leased Equipment (c) Vendors (d) State Or Governmental Agency Or Subdivision Or Political Subdivision - Permits Or Authorizations Relating To Premises (e) Mortgagee, Assignee Or Receiver 9. Property Damage To Borrowed Equipment.........................................................................13 10. Employees As Insureds - Specified Health Care Services And Good Samaritan Services...................................................................................................................................14 11. Broadened Notice Of Occurrence.........................................................................................14 12. Nonowned Aircraft..................................................................................................................14 13. Bodily Injury Redefined..........................................................................................................14 14. Expected Or Intended Injury Redefined...............................................................................14 15. Former Employees As Insureds............................................................................................14 B. Limits Of Insurance: The Commercial General Liability Limits of Insurance apply to the insurance provided by this endorse- ment, except as provided below: 1. Employee Benefit Liability Coverage Each Employee Limit: $1,000,000 Aggregate Limit: $3,000,000 Deductible Amount: $ 1,000 3. Damage To Premises Rented To You The lesser of: a. The Each Occurrence Limit shown in the Declarations; or b. $500,000 unless otherwise stated $ 4. Supplementary Payments a. Bail Bonds: $2,500 b. Loss Of Earnings: $ 500 5. Medical Payments Medical Expense Limit: $10,000 9. Property Damage To Borrowed Equipment Includes copyrighted material of Insurance GA 210 09 20 Services Office, Inc., with its permission. Page 1 of 14 Each Occurrence Limit: $10,000 Deductible Amount: $ 250 C. Coverages 1) Occurs during the policy 1. Employee Benefit Liability Coverage period; or a. The following is added to Section 1 - 2) Occurred prior to the Coverages: 'first effective date" of EMPLOYEE BENEFIT LIABILITY this endorsement pro - vided: COVERAGE a) You did of have (1) Insuring Agreement knowledge of e (a) We will pay those sums that claim or "suit" on or the insured becomes legally before the "first ef- obligated to pay as damag- fective date" of this es caused by any act, error endorsement. or omission of the insured, You will be or of any other person for deemed to have whose acts the insured is knowledge of a legally liable, to which this claim or "suit" insurance applies. We will when any insured have the right and duty to listed under C. defend the insured against Coverages, 1. any "suit" seeking those Employee Benefit damages. However, we will Liability Coverage, have no duty to defend b. Who Is An In - against any "suit" seeking sured, (1) of this damages to which this in- endorsement or surance does not apply. We any "employee" may, at our discretion, in- authorized by you vestigate any report of an to give or receive act, error or omission and notice of a claim or settle any claim or "suit' that "suit": may result. But: 1) Reports all, or 1) The amount we will pay any part, of the for damages is limited act, error or as described in C. Cov- omission to us erages, 1. Employee or any other Benefit Liability Cover- insurer; age, c. Limits Of Insur- ance of this endorse- ii) Receives a ment; and written or ver - bal demand or 2) Our right and duty to claim for dam - defend ends when we ages because have used up the appli- of the act, er- cable limit of insurance ror or omis- in the payment of judg- sion; and ments or settlements. b) There is no other No other obligation or liabil- applicable insur- ity to pay sums or perform ance. acts or services is covered unless explicitly provided for (2) Exclusions under Supplementary Pay- ments. This insurance does not apply to: (b) This insurance applies to (a) Bodily Injury, Property damages only if the act, er- Damage Or Personal And ror or omission is negligently Advertising Injury committed in the "admin- "Bodilyin "property injury", t istration" of your "employee damage or p personal anndd "personal benefit program"; and advertising injury". Includes copyrighted material of Insurance GA 210 09 20 Services Office, Inc., with its permission. Page 2 of 14 (b) Dishonest, Fraudulent, Act of 1974, as now or Criminal Or Malicious Act hereafter amended, or by Damages arising out of any any similar federal, state or local laws. intentional, dishonest, 1) Refusal to employ; fraudulent, criminal or mali- (h) Available Benefits cious act, error or omission, ment; committed by any insured, Any claim for benefits to the including the willful or reck- extent that such benefits are less violation of any statute. available, with reasonable 2) Errors in providing in- effort and cooperation of the (c) Failure To Perform A Con- insured, from the applicable tract funds accrued or other col - Damages arising out of fail- lectible insurance. ure of performance of con- (i) Taxes, Fines Or Penalties tract by any insurer. that person's decision to Taxes, fines or penalties, in - (d) Insufficiency Of Funds cluding those imposed un - Damages arising out of an der the Internal Revenue Code or any similar state or insufficiency of funds to local law. meet any obligations under This exclusion applies any plan included in the (j) Employment -Related Prac- (f) "employee benefit program". tices (e) Inadequacy Of Perfor- Any liability arising out of mance Of Invest- any: ment/Advice Given With Respect To Participation 1) Refusal to employ; Any claim based upon: 2) Termination of employ- ment; invest- 1) Failure of any invest- ment to perform; 3) Coercion, demotion, evaluation, reassign - 2) Errors in providing in- ment, discipline, defa- formation on past per- mation, harassment, formance of investment humiliation, discrimina- vehicles; or tion or other employ - 3) Advice given to any 3) practices, acts or omissions; or person with respect to that person's decision to 4) Consequential liability participate or not to par- as a result of 1), 2) or 3) ticlpate in any plan in- above. cluded in the "employee benefit program". This exclusion applies whether the insured may be (f) Workers' Compensation held liable as an employer And Similar Laws or in any other capacity and Any claim arising out of your to any obligation to share damages with or repay failure to comply with the someone else who must pay mandatory provisions of any damages because of the in - workers' compensation, un- jury employment compensation insurance, social security or (3) Supplementary Payments disability benefits law or any similar law. Section I - Supplementary Pay- ments - Coverages A and B also (g) ERISA apply to this Coverage, however 1.b. and 2. of the Supplementary Damages for which any in- Payments provision do not apply. sured is liable because of li- ability imposed on a fiduci- b. Who Is An Insured ary by the Employee Re- tirement Income Security Includes copyrighted material of Insurance GA 210 09 20 Services Office, Inc., with its permission. Page 3 of 14 As respects Employee Benefit Liabil- (c) Your legal representative if ity Coverage, Section 11 - Who Is An you die, but only with re - Insured is replaced by the following: spect to duties as such. That representative will have all 1 designated () If you are g nated in the Deo- your rights and duties under larations as: this Coverage Part. (a) An individual, you and your (3) Any organization you newly ao- spouse are insureds, but on- quire or form, other than a part- ly with respect to the con- nershi joint venture or limited p' duct of a business of which liability company, and over which you are the sole owner. y you maintain ownership or major - (b) A partnership or joint ven- ity interest, will qualify as a ture, you are an insured. Named Insured if no other similar Your members, your part- insurance applies to that organi- ners, and their spouses are zation. However, coverage under also insureds but only with this provision: respect to the conduct of (a) Is afforded only until the your business. 180th day after you acquire (c) A limited liability company, or form the organization or you are an insured. Your the end of the policy period, members are also insureds, whichever is earlier; and but only with respect to the (b) Does not apply to any act, conduct of your business. error or omission that was Your managers are in- committed before you ac- sureds, but only with respect quired or formed the organi- to their duties as your man- zation. agers. c. Limits Of Insurance (d) An organization other than a partnership, joint venture or As respects Employee Benefit Liabil- limited liability company, you ity Coverage, Section III - Limits Of are an insured. Your "execu- Insurance is replaced by the follow- tive officers" and directors ing: are insureds, but only with respect to their duties as (1) The Limits of Insurance shown in your officers or directors. Section B. Limits Of Insurance, Your stockholders are also 1. Employee Benefit Liability insureds, but only with re- Coverage of this endorsement sped to their liability as and the rules below fix the most stockholders. we will pay regardless of the number of (e) A trust, you are an insured. Your trustees are also in- sureds, but only with respect (b) Claims made or "suits" to their duties as trustees. brought; (2) Each of the following is also an (c) Persons or organizations insured: making claims or bringing (a) Each of your "employees" "suits"; who is or was authorized to (d) Acts, errors or omissions; or administer your employee benefit program"; (e) Benefits included in your "employee benefit program". (b) Any persons, organizations or "employees" having prop- (2) The Aggregate Limit shown in er temporary authorization Section B. Limits Of Insurance, to administer your "employ- 1. Employee Benefit Liability ee benefit program" if you Coverage of this endorsement is die, but only until your legal the most we will pay for all dam - representative is appointed; ages because of acts, errors or or omissions negligently committed Includes copyrighted material of Insurance GA 210 09 20 Services Office, Inc., with its permission. Page 4 of 14 in the "administration" of your (c) The terms of this insurance, "employee benefit program". including those with respect (3) Subject to the limit described in to: (2) above, the Each Employee 1) Our right and duty to Limit shown in Section B. Limits defend the insured Of Insurance, 1. Employee Bene- against any "suits" fit Liability Coverage of this en- seeking those damag- dorsement is the most we will es; and pay for all damages sustained by we are notified as soon any one "employee", including 2) Your duties, and the du - damages sustained by such ties of any other in - "employee's" dependents and volved insured, in the beneficiaries, as a result of: event of an act, error or ductible. omission, or claim; (a) An act, error or omission; or apply irrespective of the ap- (b) A series of related acts, er- plication of the Deductible rors or omissions, regard- Amount. less of the amount of time that lapses between such (d) We may pay any part or all acts, errors or omissions; of the Deductible Amount to effect settlement of any negligently committed in the claim or "suit" and, upon no - "administration" of your "employ- tification of the action taken, ee benefit program". you shall promptly reim- burse us for such part of the However, the amount paid under Deductible Amount as we this endorsement shall not ex have paid. ceed, and will be sutlect to the limits and restrictions that apply d. Additional Conditions to the payment of benefits in any plan included in the "employee As respects Employee Benefit Liabil- benefit program." ity Coverage, Section IV - Commer- cial General Liability Conditions is (4) Deductible Amount amended as follows: (a) Our obligation to pay dam- (1) Item 2. Duties In The Event Of ages on behalf of the in- Occurrence, Offense, Claim Or sured applies only to the Suit is replaced by the following: amount of damages in ex- ' cess of the Deductible 2. Duties In The Event Of An Amount shown in Section B. Act, Error, Omission, Limits Of Insurance, 1. Em- Claim Or Suit ployee Benefit Liability Cov- a. You must see to it that erage of this endorsement we are notified as soon as applicable to Each Em- as practicable of an act, ployee. The limits of insur- error or omission which ance shall not be reduced may result in a claim. by the amount of this de- To the extent possible, ductible. notice should include: (b) The Deductible Amount (1) What the act, error shown in Section B. Limits or omission was Of Insurance, 1. Employee and when it oc- Benefit Liability Coverage of curred; and this endorsement applies to all damages sustained by (2) The names and any one "employee", includ- addresses of any- ing such "employee's" de- one who may suf- pendents and beneficiaries, fer damages as a because of all acts, errors or result of the act, omissions to which this in- error or omission. surance applies. Includes copyrighted material of Insurance GA 210 09 20 Services Office, Inc., with its permission. Page 5 of 14 b. If a daim is made or If other valid and collectible "suit" is brought against insurance is available to the any insured, you must: insured for a loss we cover 1 under this Employee Benefit () Immediately record Liability Coverage, our obli- gations are limited as fol - claim or "suit" and lows: the date received; and a. Primary Insurance (2) Notify us as soon This insurance is prima - as practicable. ry except when c. below applies. If this insurance You must see to it that is primary, our obliga- we receive written no- are not affectedaim tion of the claim or "suit" unless any of the other as soon as practicable. insurance is also prima - c. You and any other in- ry. Then, we will share volved insured must: with all that other insur- ance by the method de - (1) Immediately send scribed in Paragraph b. us copies of any below. demands, notices, summonses or le- b. Method Of Sharing 9 gal papers re- If all of the other insur- ceived in connec- ance permits contribu- tion with the claim tion by equal shares, or "suit'; we will follow this meth - (2) Authorize us to ob- od also. Under this ap- tain records and proach each insurer other information; contributes equal amounts until it has (3) Cooperate with us paid its applicable limit in the investigation of insurance or none of or settlement of the the loss remains, claim or defense whichever comes first. against the "suit"; and If any of the other in - surance does not permit (4) Assist us, upon our contribution by equal request, in the en- shares, we will contrib- forcement of any ute by limits. Under this right against any method, each insurer's person or organi- share is based on the zation which may ratio of its applicable be liable to the in- limit of insurance to the sured because of total applicable limits of an act, error or insurance of all insur- omission to which ers. this insurance may also apply. c. No Coverage d. No insured will, except This insurance shall not at that insured's own cover any loss for which cost, voluntarily make a the insured is entitled to payment, assume any recovery under any obligation, or incur any other insurance in force expense without our previous to the effective consent. date of this Employee Benefit Liability Cover - (2) Item 4. Other Insurance is re- age. placed by the following: e. Additional Definitions 4. Other Insurance Includes copyrighted material of Insurance GA 210 09 20 Services Office, Inc., with its permission. Page 6 of 14 As respects Employee Benefit Liabil- and hearing plans; and ity Coverage, Section V - Definitions flexible spending ac - is amended as follows: counts; provided that no (1) The following definitions are one other than an "em- ployee may subscribe added: to such benefits and 1. "Administration" means: such benefits are made generally available to a. Providing information to those "employees" who "employees", including satisfy the plan's eligibil- their dependents and ity requirements; beneficiaries, with re- spect to eligibility for or b. Profit sharing plans, scope of "employee employee savings benefit programs"; plans, employee stock ownership plans, pen - b. Interpreting the "em- sion plans and stock ployee benefit pro- subscription plans, pro- grams'; vided that no one other C. Handling records in than an "employee" may subscribe to such connection with the benefits and such bene - "employee benefit pro- fits are made generally grams"; or available to all "employ - d. Effecting, continuing or ees" who are eligible terminating any "em- under the plan for such ployee's" participation in benefits; any benefit included in c. Unemployment insur- the "employee benefit ance, social security program". benefits, workers' com- However, "administration" pensation and disability does not include: benefits; and a. Handling payroll deduc- d. Vacation plans, includ- tions; or ing buy and sell pro- grams; leave of ab - b. The failure to effect or sence programs, includ- maintain any insurance ing military, maternity, or adequate limits of family, and civil leave; coverage of insurance, tuition assistance plans; including but not limited transportation and to unemployment insur- health club subsidies. ante, social security benefits, workers' com- 4. "First effective date" means pensation and disability the date upon which cover - benefits. age was first effected in a series of uninterrupted re - 2. "Cafeteria plans" means newals of insurance cover - plans authorized by applica- age. ble law to allow "employees" to elect to pay for certain (2) The following definitions are de - benefits with pre-tax dollars. leted in their entirety and re- placed by the following: 3. "Employee benefit pro- grams" means a program 5. "Employee" means a person providing some or all of the actively employed, formerly following benefits to "em_ employed, on leave of ab- ployees", whether provided sense or disabled, or retired. through a "cafeteria plan" or "Employee" includes a otherwise: 'leased worker". "Employee" does not include a "tempo - a. Group life insurance; rary worker". group accident or health insurance; dental, vision Includes copyrighted material of Insurance GA 210 09 20 Services Office, Inc., with its permission. Page 7 of 14 18. "Suit" means a civil proceed- The exclusions under Section I - ing in which money damag- Coverage A - Bodily Idury And Prop - es because of an act, error erty Damage Liability, 2. Exclusions, or omission to which this in- other than i. War and the Nuclear surance applies are alleged. Energy Liability Exclusion (Broad "Suit" includes: Form), are deleted and the following are added: a. An arbitration proceed- ing in which such dam- This insurance does not apply to: ages are claimed and to which the insured must (a) "Properly damage": submit or does submit (i) Assumed in any contract or with our consent; agreement; or b. Any other alternative (ii) Caused by or resulting from dispute resolution pro- any of the following: ceeding in which such damages are daimed 1) Wear and tear; and to which the in- sured submits with our 2) Rust or other corrosion, consent; or decay, deterioration, hidden or latent defect c. An appeal of a civil pro- or any quality in proper- ceeding. ty that causes it to 2. Unintentional Failure To Disclose Haz- damage or destroy it- self; arcls 3) Smog; Section N - Commercial General Liabil- ity Conditions, 6. Representations is 4) Mechanical breakdown, amended by the addition of the following: including rupture or bursting caused by cen- Based on our dependence upon your rep- trifugal force; resentations as to existing hazards, if un- intentionally you should fail to disclose all 5) Settling, cracking, such hazards at the inception date of your shrinking or expansion; policy, we will not reject coverage under this Coverage Part based solely on such 6) Nesting or infestation, failure. or discharge or release of waste products or 3. Damage To Premises Rented To You secretions, by insects, birds, rodents or other a. The last paragraph of 2. Exclusions animals; or under Section I - Coverage A - Bod- ily Injury And Property Damage Li- 7) Presence, growth, pro - ability is replaced by the following: liferation, spread or any Exclusions c. through n. do not apply activity of fungus, in- cluding mold or mildew, to damage by fire, explosion, light- and any mycotoxins, Hing, smoke or soot to premises while spores, scents or bye rented to you or temporarily occupied products produced or by you with permission of the owner, released by fungi. for which the amount we will pay is limited to the Damage To Premises (b) "Property damage" caused di - Rented To You Limit as described in rectly or indirectly by any of the Section III - Limits OF Insurance. following: b. The insurance provided under Sec (1) Earthquake, volcanic erup- tion I - Coverage A- Bodily Injury And tion, landslide or any other Property Damage Liability applies to earth movement; "property damage" arising out of wa- ter damage to premises that are both (ii) Water that backs up or over - rented to and occupied by you. flows or is otherwise dis- charged from a sewer, drain, As respects Water Damage Legal Li- sump, sump pump or related ability, as provided in Paragraph 3.b. equipment; above: Includes copyrighted material of Insurance GA 210 09 20 Services Office, Inc., with its permission. Page 8 of 14 (HQ Water under the ground sur- face pressing on, or flowing or seeping through: 1) Foundations, walls, floors or paved surfac- es; 2) Basements, whether paved or not; or 3) Doors, windows or other openings. (c) "Property damage" caused by or resulting from water that leaks or flows from plumbing, heating, air conditioning, fire protection sys- tems, or other equipment, caused by or resulting from freeang, unless: (1) You did your best to main- tain heat in the building or structure; or (ii) You drained the equipment and shut off the water sup- ply if the heat was not main- tained. (d) "Property damage" to: (i) Plumbing, heating, air condi- tioning, fire protection sys- tems, or other equipment or appliances; or (ii) The interior of any building or structure, or to personal property in the building or structure, caused by or re- sulting from rain, snow, sleet or ice, whether driven by wind or not. c. Limit Of Insurance With respect to the insurance afford- ed in Paragraphs 3.a. and 3.b. above, the Damage To Premises Rented To You Limit as shown in the Declara- tions is amended as follows: (1) Paragraph 6. of Section III - Lim- its Of Insurance is replaced by the following: 6. Subject to Paragraph 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A - Bodily Injury And Property Damage Liability for damages be- cause of "property damage" to any one premises: a. While rented to you, or temporarily occupied by you with permission of the owner; b. In the case of damage by fire, explosion, light- ning, smoke or soot, while rented to you; or c. In the case of damage by water, while rented to and occupied by you. (2) The most we will pay is limited as described in Section B. Limits Of Insurance, 3. Damage To Prem- ises Rented To You of this en- dorsement. 4. Supplementary Payments Under Section I - Supplementary Pay- ments - Coverages A and B: a. Paragraph 1.b. is replaced by the fol- lowing: Up to the limit shown in Section B. Limits Of Insurance, 4.a. Bail Bonds of this endorsement for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage ap- plies. We do not have to furnish these bonds. b. Paragraph 1.d. is replaced by the fol- lowing: All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to the limit shown in Seo- tion B. Limits Of Insurance, 4.b. Loss Of Earnings of this endorsement per day because of time off from work. 5. Medical Payments The Medical Expense Limit of Any One Person as shown in the Declarations is amended to the limit shown in Section B. Limits Of Insurance, 5. Medical Payments of this endorsement. 6. 180 Day Coverage For Newly Formed Or Acquired Organizations Section II - Who Is An Insured is amended as follows: Subparagraph a. of Paragraph 3. is re- placed by the following: Includes copyrighted material of Insurance GA 210 09 20 Services Office, Inc., with its permission. Page 9 of 14 a. Coverage under this provision is af- leased to you, subject to the forded only until the 180th day after following additional exclu- you acquire or form the organization sions: or the end of the policy period, whichever is earlier; This insurance does not ap- ply to: 7. Waiver Of Subrogation (i) Any "occurrence" which Section IV - Commercial General Liabil- takes place after you ity Conditions, 8. Transfer Of Rights Of cease to be a tenant in Recovery Against Others To Us is that premises; amended by the addition of the following: (ii) Structural alterations, We waive any right of recovery against new construction or any additional insured under this en- demolition operations dorsement, because of any payment we performed by or on be - make under this endorsement, to whom half of such additional the insured has waived its right of recov- insured. ery in a written contract, written agree- ment, written permit or written authoriza- (b) Lessor Of Leased Equip - tion. Such waiver by us applies only to ment the extent that the insured has waived its Any person(s) or organiza- right of recovery against such additional tion(s) from whom you lease insured prior to loss. equipment you are required 8. Automatic Additional Insured - Speci- per Paragraph 8.a.(1) of this fied Relationships endorsement to provide in- surance. Such person(s) or a. The following is added to Section II - organization(s) are insureds Who Is An Insured: only with respect to liability for "bodily injury", "property (1) Any person(s) or organization(s) damage or "personal and described in Paragraph 8.a.(2) of advertising injury" caused, in this endorsement (hereinafter re- whole or in part, by your ferred to as additional insured) maintenance, operation or whom you are required to add as use of equipment leased to an additional insured under this you by such persons) or or - Coverage Part by reason of a ganization(s). A persons or written contract, written agree - organization's status as an ment, written permit or written additional insured under this authorization. endorsement ends when (2) Only the following persons or or- their contract or agreement ganizations are additional in- with you for such leased sureds under this endorsement, equipment ends. However, and insurance coverage provided this insurance does not ap- to such additional insureds is lim- ply to any "occurrence" ited as provided herein: which takes place after the equipment lease expires. (a) Managers Or Lessors Of Premises (c) Vendors The manager or lessor of a Any person or organization premises leased to you you (referred to below as ven- are required per Paragraph dor) you are required per 8.a.(1) of this endorsement Paragraph 8.a.(1) of this en - to provide insurance, but on- dorsement to provide insur- ly with respect to liability for ance, but only with respect "bodily injury", "property to liability for "bodily injury" damage" or "personal and or "property damage" arising advertising injury" caused, in out of "your products" which whole or in part, by you or are distributed or sold in the those acting on your behalf regular course of the ven- in connection with the own- does business, subject to ership, maintenance or use the following additional ex- xof ofthat part of the premises clusions: Includes copyrighted material of Insurance GA 210 09 20 Services Office, Inc., with its permission. Page 10 of 14 GA 210 09 20 (i) The insurance afforded dor's premises in the vendor does not connection with the apply to: sale of the product; 1) "Bodily injury' or 7) Products which, af- "property damage" ter distribution or for which the ven- sale by you, have dor is obligated to been labeled or re- pay damages by labeled or used as reason of the as- a container, part or sumption of liability ingredient of any in a contract or other thing or sub - agreement. This stance by or for the exclusion does not vendor; or apply to liability for damages that the 8) "Bodily injury" or vendor would have "property damage" in the absence of arising out of the the contract or sole negligence of agreement; the vendor for its own acts or omis- 2) Any express war- sions or those of ranty unauthorized its employees or by you; anyone else acting 3) Any physical or on its behalf. How - chemical change in ever, this exclusion the product made does not apply to: intentionally by the a) The excep- vendor; tions contained 4) Repackaging, ex- in Paragraphs (c)(i)4) or 6) of cept when un- this endorse - packed solely for ment; or the purpose of in- spection, demon- b) Such inspec- stration, testing, or tions, aclust- the substitution of ments, tests or parts under in- servicing as structions from the the vendor has manufacturer, and agreed to then repackaged in make or nor - the original con- mally under- tainer; takes to make 5) Any failure to make in the usual such inspections, course ofbusiness, in adjustments, tests connection or servicing as the with the distri- vendor has agreed bution or sale to make or normal- of of the prod - ly undertakes to make in the usual course of busi- (ii) This insurance does not ness, in connection apply to any insured with the distribution person or organization: or sale of the products; 1) From whom you have acquired 6) Demonstration, in- such products, or stallation, servicing any ingredient, part or repair opera- or container, enter - tions, except such ing into, accompa- operations per- nying or containing formed at the ven- such products; or Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 11 of 14 GA 210 09 20 2) When liability in- to their liability as mortga- cluded within the gee, assignee or receiver "products- and arising out of the own - completed opera- ership, maintenance or use tions hazard" has of the premises by you. been excluded un- However, this insurance der this Coverage does not apply to structural Part with respect to alterations, new construction such products. and demolition operations performed by or for that per- d State Or Governmental () son or organization. Agency Or Subdivision Or Political Subdivision - (3) The insurance afforded to addi- Permits Or Authorizations tional insureds described in Par - Relating To Premises agraph 8.a.(1) of this endorse- ment: Any state or governmental agency or subdivision or po- (a) Only applies to the extent litical subdivision you are permitted by law; required per Paragraph 8.a.(1) of this endorsement (b) Will not be broader than that to provide insurance, subject which you are required by to the following additional the written contract, written provision: agreement, written permit or written authorization to pro - This insurance applies only vide for such additional in - with respect to the following sured; and hazards for which the state or governmental agency or (c) Does not apply to any per - subdivision or political sub- son, organization, vendor, division has issued a permit state, governmental agency or authorization in oonnec- or subdivision or political tion with premises you own, subdivision, specifically rent or control and to which named as an additional in - this insurance applies: sured under any other provi- sion of, or endorsement (i) The existence, mainte- added to, this Coverage nance, repair, construc- Part, provided such other tion, erection or removal provision or endorsement of advertising signs, covers the injury or damage awnings, canopies, cel- for which this insurance ap- lar entrances, coal plies. holes, driveways, man- holes, marquees, hoist b. With respect to the insurance afford - away openings, side- ed to the additional insureds de - walk vaults, street ban- scribed in Paragraph 8.a.(1) of this Hers or decorations and endorsement, the following is added similar exposures; to Section 111 -Limits Of Insurance: (ii) The construction, erec- The most we will pay on behalf of the tion or removal of eleva- additional insured is the amount of in - tors; or surance: (iii) The ownership, mainte- (1) Required by the written contract, nance or use of any el- written agreement, written permit evators covered by this or written authorization described insurance. in Paragraph 8.a.(1) of this en- dorsement. For the purpose of (e) Mortgagee, Assignee Or determining the required amount Receiver of insurance only, we will include the minimum amount of any Um - Um - Any person or organization brella liability or Excess Liability you are required per Para- coverage required for that addi- tional insured in that written con- dorsement to provide insur- ance, but only with respect Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 12 of 14 tract, written agreement, written Paragraphs (3) and (4) of this exclu- permit or written authorization; or sion do not apply to tools or equip - (2) Available under the applicable ment loaned to you, provided they are limits of insurance; not being used to perform operations at the time of loss. whichever is less. b. With respect to the insurance provid- This endorsement shall not increase ed by this section of the endorse - the applicable limits of insurance. ment, the following additional provi- sions apply: c. Section IV - Commercial General Liability Conditions is amended to (1) The Limits of Insurance shown in include the following: the Declarations are replaced by the limits shown in Section B. Automatic Additional Insured Pro- Limits Of Insurance, 9. Property vision Damage To Borrowed Equip- This insurance applies only if the "bodily ment of this endorsement with respect to coverage provided by injury" or "property damage" this endorsement. These limits occurs, or the "personal and advertis- are inclusive of and not in addl- ing injury' offense is committed: tion to the limits being replaced. (1) During the policy period; and The Limits of Insurance shown in Section B. Limits Of Insurance, (2) Subsequent to your execution of 9. Property Damage To Bor- the written contract or written rowed Equipment of this en - agreement, or the issuance of a dorsement fix the most we will written permit or written authori- pay in any one "occurrence" re- zation, described in Paragraph gardless of the number of: (a) Insureds; d. Section IV - Commercial General Liability Conditions is amended as (b) Claims made or "suits" follows: brought; or Condition 4. Other Insurance is (c) Persons or organizations amended to include: making claims or bringing "suits". Primary And Noncontributory In- surance (2) Deductible Clause This insurance is primary to and will (a) Our obligation to pay dam - not seek contribution from any other ages on your behalf applies insurance available to an additional only to the amount of dam - insured per Paragraph 8.a.(1) of this ages for each "occurrence" endorsement provided that: which are in excess of the Deductible Amount shown in (1) The additional insured is a Section B. Limits Of Insur- Named Insured under such other ance, 9. Property Damage insurance; and To Borrowed Equipment of (2) You have agreed in writing in a this endorsement. The limits of insurance will not be re - contract, agreement, permit or duced by the application of authorization described in 8.a.(2) such Deductible Amount. of this endorsement that this in- surance would be primary and (b) Section IV - Commercial would not seek contribution from General Liability Conditions, any other insurance available to 2. Duties In The Event Of the additional insured. Occurrence, Offense, Claim 9. Property Damage To Borrowed Equip- Or Suit, applies to each claim or "suit" irrespective of meet the amount. a. The following is added to Exclusion (c) We may pay any part or all 2.j. Damage To Property under Sec- of the deductible amount to tion I - Coverage A - Bodily Injury And effect settlement of any Property Damage Liability: claim or "suit" and, upon no - Includes copyrighted material of Insurance GA 210 09 20 Services Office, Inc., with its permission. Page 13 of 14 tification of the action taken, you shall promptly reim- burse us for such part of the deductible amount as has been paid by us. 10. Employees As Insureds - Specified Health Care Services And Good Samar- itan Services Paragraph 2.a.(1)(d) under Section II - Who Is An Insured does not apply to: 1) Your "employees" who provide pro- fessional health care services on your behalf as a duly licensed nurse, emergency medical technician or paramedic in the jurisdiction where an "occurrence" or offense to which this insurance applies takes place; or 2) Your "employees" or "volunteer work- ers", other than an employed or vol- unteer doctor, providing first aid or good samaritan services during their work hours for you will be deemed to be acting within the scope of their employment by you or performing du- ties related to the conduct of your business. 11. Broadened Notice Of Occurrence Paragraph a. of Condition 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit under Section IV - Com- mercial General Liability Conditions is replaced by the following: a. You must see to it that we are notified as soon as practicable of an "occur- rence" or an offense which may result in a claim. To the extent possible, no- tioe should include: (1) How, when and where the "oc- currence" or offense took place; (2) The names and addresses of any injured persons and wit- nesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. This requirement applies only when the "occurrence" or offense is known to any insured listed under Paragraph 1. of Section II - Who Is An Insured or any "employee" authorized by you to give or receive notice of an "occur- rence" or offense. 12. Nonowned Aircraft The following is added to Exclusion 2.g. Aircraft, Auto Or Watercraft under Sec- tion I - Coverage A - Bodily Injury And Property Damage Liability: This exclusion does not apply to an air- craft you do not own, provided that: a. The pilot in command holds a current effective certificate, issued by a duly constituted authority of the United States of America or Canada, desig- nating that person as a commercial or airline transport pilot; b. The aircraft is rented with a trained, paid crew; and c. The aircraft does not transport per- sons or cargo for a charge. 13. Bodily Injury Redefined Section V - Definitions, 3. "Bodily injury' is replaced by the following: 3. "Bodily injury' means bodily harm or injury, sickness, disease, disability, humiliation, shock, fright, mental an- guish or mental injury, including care, loss of services or death resulting from any of these at any time. 14. Expected Or Intended Injury Redefined The last sentence of Exclusion 2.a. Ex- pected Or Intended Injury under Sec- tion I - Coverage A - Bodily Injury And Property Damage Liability is replaced by the following: This exclusion does not apply to "bodily injury' or "property damage" resulting from the use of reasonable force to protect per- sons or property. 15. Former Employees As Insureds The following is added to Paragraph 2. under Section II - Who Is An Insured: 2. Each of the following is also an in- sured: Any of your former "employees", di- rectors, managers, members, part- ners or "executive offioers", including but not limited to retired, disabled or those on leave of absence, but only for acts within the scope of their em- ployment by you or for duties related to the conduct of your business. Includes copyrighted material of Insurance GA 210 09 20 Services Office, Inc., with its permission. Page 14 of 14