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HomeMy WebLinkAboutResolutions 85-137 N.C.S. 05/06/1985, -~ F~esolution `I~1o. 8 s-~ 3~~N: C. S. ~ ~ of the Ciiy of Petalur,na, California ESTABLISHING' AMOU.NT AND SCOPE: OF . CC~MP=REHENSIVF GFNERAL LIABILITY INSURANCE COVERAGE REQUIRED FOR ISSUANCE OF A FILM PERMIT P-URSUANT T~ ORDINA;NCE NO'. ~Z N.C.S. (~CHAPTER 13.40' O:F THE PFTALUMA MUNICIPAL CODE) BE IT RESOLVED that the following insurance requirements are her.eby established pursuant to Section T3.40.120 of' the Petal~uma Municipal Code: A. Insurance Coverage Required for Hazardous Filming Activities. Coverage for filming activities invol~ving helicopters, aircraft, motor veh'icle crashes, open .flame; explosives, and other pyrotechnical effects or hazardous activities shall be provided by a Comprehensive General Liability Insurance Policy as described in Section C below. The minimum policy limit shall be one million dollars ($1,000,000.00) combined s'ingle Timit for bodily injury Iiability and property damage liability. Coverage in excess o.f the million dollar minimum may be required in the amount determined by the City Manager commensurate with, the risk to persons and property involved. B.. Insurance Coverage Required for Non-Hazardous Filming Activities . Coverage for all other f.ilming actiVities not specified in Section A. above shall be provided by a Comprehensive General • Liability Insurance Poliey as described in Section C below with minimum policy limits as follows : One million dollars ($1,000,000.00) combined single limit for bodily injury and proper.ty damage liability. ' C. Scope of Insurance Coverage. ' The Comprehensive Ceneral Insurance Policy maintained b3~, ` • " ,. • the film permi,t applicant./permittee_ sha11. be' at least as broad or su.bLLstantially equivalent to coverage lis#eci 'in Insurance Ser-vice Off'ice Form #G10002 {Ed. 1/73,) ,~ Comprehensive General . Liabili:ty Insura_nce and Insurance Service ~Office Form #GL0404, Broad Form Gomprehensive, Gerieral Liabilit,y -Endorsement and Insuranee Service Df£ice Form #GA0001 (Ed: 1/78) Cod.e #1 ("any auto" ) business auto liability insurance and any successor for.ms. issued. The permit applicant shall also maintain worker's Reso No 8.5-137 N.C.S.. compensation and employer liability insurance in accor~.ance with California law. Any deductible or sel£ insurance retention in excess of $1,000 per occurrence must be declared to and approved by the City Manager, and at the option of the City Manager the in- surer shall either reduce or eliminate such deduction or self insured retention in respect to the City of Petaluma, its officials and employees; or the applicant shall procure a bond. guaranteeing payment of losses for related investiga- tion, claims administration and defense expenses. The film permit applicant's policy or policies are to contain or be endorsed to contain the following provisions and any additional coverage as required by the City Mana~er: 1., General Liability and Auto Liability Coverages . a. City, its officials, employees and volunteers are to be covered as insureds as respect liability arising out of the applicant's activities under the permit. The coverage shall contain no special limitations on the scope of protection afforded to the City, its officials, employees or volunteers. b. The applicant's insurance coverage shall be primary insurance as respects the City, its officials, employees and volunteers. Any insurance or self insurance maintained by the City shall be in excess of the applicant's insurance and shall not contribute with it. c. Any failure to comply with reporting pro- visions of the policy shall not affect coverage provided to the City, its officials, employees or volunteers . 2. Workers' Compensation and Employer Liability Coverage . The employer shall agree to waive all rights of subrogation against the City, its officials, employees or volunteers for losses arising from activities relating to the permit. 3. All Coverages. Each insurance policy required by this cl.ause shall be endorsed to state that coverage shall not be suspended, voided, canceled, reduced in coverage or in limit,, except after thirty (30) days prior written notice by Certified 2 Reso No 85-137 N.C.S_ Maii,, Retu"rn Receipt Requested, has •been. given to the City . The permit applicant may, request a wai~er af fhe insurance coverage requirements specified above . The City Ivfanager inay grant such a waiver upon making a determination that the insurance coverage maintained by the permit applicant is commensurate with the risk to persons and property involved in the planned filming activity. BE IT FURTHER RESC~LVED that this Resolution shall become effective ~ on the effective date of the Petaluma Film Ordinance. FILM RESO LAW6 the power and authority conferred upon this Council by the Charter of said City. I hereby certify the foregoing Resolution w,a"s introduced and adopted by the Council of the City of Petaluma at a(R,egular) (Adjourned) ~~p~di~~meeting on the ..._._..._.8.th__..._ day of ......._..k~1y.:••• ...:..................:..•_••-••••-, is_:$5, by the foilowing vote: ......... AYES: Balsha~/Cavanagh/Davis/Wool~sey/Tencer/Mayor Mattei NOES: None ABSENT: V . M d ~_ - . . ~ " ; , .. ATTEST: .•-• .. . . . • • •••• • -••...- •---- . ._. ............................. .•-•• ••--•-... ...----• - -•---•....-• •--,-•. ...•-•-•••-• Ci y Glerk Mayor ; ca~~ F;~~..._.....3 ....................__ ~o~ cA z ~iai ~ x~. rro._.. - .---.•- 8~-~'3~i....N.C_ S. Underiying Coverage 23 Revised February, 1985 t _ , GL 04 04 (Ed. 5-81) This endorsement forms a part of the policy to which attached, effective on the inception date of the policy unless otherwise stated herein. (The followin~ info-mation is required only when this endorsement is issued subsequent to preparation of policyJ fndorsement eftective Policy No. Named Insured Countersigned by This endorsement modifies such insurance as is atforded by the provisions of the policy relating to the following: COAtPREHENSIYE GENERAI IIABIIIT~ INSURANCE Endorsement No. (Authorized Representative) BROAD FORA1 CObIPREHENSIVE GENERAL LIABILITY ENDORSEMENT Schedule ~ Personal Injury and Advertising Injury Liability Aggregate Limit shall be the per occurrence bodily'injury liability limit unless otherwise indicated herein: Limit of Liability S Aggregate. Limit of Liability-Premises Medical Payments Coverage: 51,000 each person uniess otherwise indicated herein: j each person. Limit of Liability-Fire Legal Liability Coverage: E50,000 per occurrence unless otherwise indicated herefn: j per occurrence. , Premium Basis pdrance Premium % of the Total Comprehensive General' Liability S Bodily Injury and Property Damage Premium as Otherwise Determined. k11NitlUAI PREMIUkI S . 1. CONTRIICNRL 1111BILITY COVERA6E (A) The definition of ineidental contract is extended to include any oral or written contract or agreement relating to the conduct of the named insured'a business. (B) TAe insurance afforded with respect to liability assumed under an incide~al contract is suDject, to the following additional exclusions: (1) to bodily injury orpropertr d~ma~afor wfiich the insured has ~assumeE IiaDility under any incidenial contnct, if such injury or damage occurred prior to the execution of the incidental contract; (2) if the inwred is an architect, engineer or surveyor, to bodily injury or property d~mate arising out oi the rendering of or the failure to render professional services by such insured, including (a) the preparation or appropal of maps, drawings, opinions, reports, surveys, change orders, designs or specifications, and (D) supervisory, inspection or engineering services; (3) if the indemnitee ot the insured is an arcAitect, engineer or surveyor, to the IiaDility of the indemnitee, his agents or employees, arising out of (a) the preparotion or approval o( or the failure to prepare or approve maps, drawings; opinions, reports, surveys, change or- ders, designs or specifications, or GL04040581 (b) the giving ot or the failure to give directions or instructions by the indemnitee, his agents or employees, provided such giv- ing or failure to give is the primary cause of the Aodily injury or property damage; (4) to any oDligation'for which the insured may be held liable in an action on a contract by a thitd party beneficiary for bodily injury ,ror property damage arising out of a project for a pubtic authority; but this exclusion does not apply to an action by the public authori- ty or any other person or organization engaged in tbe project; ,(5) to bodily injury or property damage arising out of construc- tion or demolition bperations, within 50 feet of any railroad prop- ,eriy, and affecting any railroad bridge or trestle, tracks, road beds, tunnel, underpass or crossing; but this exclusion dces not apply to sidetrack agreements. (C) The.following ezclusions applicable to Coverages A(Bodily Injury) and B(Property Damage) do not appty to this Contractual. Liability Coverage: (b), (c) (2), (d) and (e). - (D) The following additional condition applies: RrDHrotion The company shall be entitled to exercise all of the inwrM's rights in the choice o! arbitrators and in the conduct ot any arbitraiion proceeding. Pa`e 1 of 4 Underlying Coverage 24 Revised February. 1985 BRORD FORM COMPREHENSIVE GENERAI IIABIIITY ENDORSEMENT-(Continued) GL 04 04 ' /° 5:•~ (Ed. 5-81) _: t' ..rc i: II. PERSONAI'IN1UR1' IIND ADVERIISING INIURY`IIRBIUTV COVERAGE •(A) The company will pay on behalf ot the~ insured all sums whic~ the " in3ured shall become legally otihgated to pay as damages because of personal injury or advertising injury to which tliis insurance applies, sustainetl by any person or organizal~on and arising out oi the conduct of `ihe named insured's business. within the policy ter~itory, and the company sfiall have Ihe right and duty to defend any suit against the ~ in;uredseekingdam.ageaon account of such injury, even ii any of fhe allegations ot the suit are "groundless, (alse or iiaudulent, ,and may make such investigation and settlemenfof any;claim"-or suil as it deems expedrent, but'the:company shall' not be obligated to'pay,any claim or judgment or to deiend any suii after the applicable limit of the compa ny's liability has been ezhausted by payment o1 iudgments or settle: ' ments. , (B) This insurance does not apply . • ' •' ~ (1 }to liab~lity assumed by the insured under"any'contiact o~ agree~... ? ; menb ~ . .. _ ._ _. (2) to personal injury or adrertising in~ury arising out oi the wilful violation of a penal statute o~ ordinance comriii{ted by or with the ~ knowledge or consent of the insured; . _. (3) to personal injurY or adrertising injury_arising out of a publica ,. _ tion or utterance of a libel or slander, or a publicalion or utlerance in violation of an individual's right oi privacy;,if the first.injurious publication or utterance of the same or similar`material by or on 'Dehalf of the named insured was made prior to the etfective date ' of this insurance: (4) to persanal injury or advertising injury arising ouY ot libel or '°' slander or the putilication.or utterance of defamatory or disparag~ ing material concerning,any persom or organiiation or goods, prod~ ~ ucts or services. or iri violation ot an individual's {i'ght of privacy, : made by or at 1he direction of the insured with knowledge ot the • falsity thereof; . (5 ) to personal ,injury or advertising injury, arising out of the com "', ducl 01 any partnership or ~oinl Jenture of w6icti the insured is.a partner or member and vrhich is not designated ih the declarations `of the policy as a named insured; '' (6) to advertising injury arising out ot (a) failure of performance ot contract, but this exclusion does not apply to the, unauthorized appropriation oi ideas based ; upon,alleged breach of implied contiact, or (b) intringement oi trademark, service mark oi trade name, other than`t+tles or slogans, by use thereot on or in connecfion .. with goods, p~oducts orserv~ces sold, oftered tor sale or adver- tised, or , _. •(c) incorrect description or mistake ;in adveitisetl prite of goods, products.or services sold, offered for sale or advertised; (1) with respett to aArertising injuFy ' (a) to:any insured,in the 6usiness of advertising, broadcasting, _ pu6lishing or telecasting, or "" ~. (b) to any ~injury arising out.oi any,acl:committed by 11ie in- ~ sured.with actual malice. ,.• . . :.. , ~ , . (C)"Limits of Liability : '' . ~ ~ 1 . ~. ~ Regardless oi the numtierof (1) insurcds hereuntler, (2) persons or organizations who susCain'in~ury or damage, or,(3)"claims made,or • suils brougfij`on accouni of personal.injuiy'or adyertising`injury, the total limii oi the compariy s liability' under this coverage for all damages shall not exceed the limit of habdity stated in this en~ . , dorsement as "aggregate`'. _ , . (D)AdditionalDefinitions ' ' - • "Adverlising Injury"'means in~ury'arising out of.an oflense commil- - - ted during the policy period occurring in the course of the named insured's advertising activities, it such injury arises out oi libel, , ~ slander, defamation; violation oi right ot privacy, pi~acy, unfair .; competition„or iatringement of:copyright, title or slogan.•: "Personal Injury" means injury arising ouE:ot one or more of the tollowing oflenses committed tluring the policy period: (i) talse a~rest, detention, imprisonment, or malicious prosecu- tion: ' . GL04~040581 ~~ `' •(2) wrongful entry or eviction or other invasion of'the right of pri- vate occupancy; (3) a publication or utterance (a) oi a 6bel or slanCer or olher defamatory or disparaging material, or - (6) in violatioq oi an individual's right oi privacy; except publications or utterancerin the~course of or related to advertising, broadcasting, publishing ortelecasting activi- ties conducted by oi°on behalf of the named'insured shall . not be deemed personal.,:injury. ~ III. PREPAISES AIEDICAL,PAYMENTS COVERAGE The company will pay to o[ for eaoh person who sustains bodily injury , caused by,accident allreasonable medicallewpense iocurred within one .year trom the date of;ihe accident on account•of such bodily injury, `~Drovided such bodily injury arises out of (a) a condition in the insured premises, or (b) operaiio.ns with respecCto.which the n~med insured is afforded coverage for bodily'injury liability under the policy. ~_,.. . . , „ . This insurarice tloes not apply: . ' (A) to bodily injury (1) arising out ot the ownership, maintenance, operation, use, load- ing or unloading of ~ (a) any automobile,or aircraft owned or operated by ar. rented ~ or~loaned to any in;ured, or ' - - (b).any other automobile or aircraft operated by any person in the courSe of his employment by any insured;~ but this exclusion does noLapply to,the parking of an automobile on the insured premises, it such au4omotiile is not owned by or ~ rented or loaned to arty insured; ' (2j arising out oi _ {a) the ownership„maintenance, operation;:use,ioading,or un- loading of any mobile equipment while beingr;used':in.any prear- ranged or organized racing, speed or demolition contest'or in any stuniing;activify or in practice or preparation (or any such , contesf or activify, or . (b) the operation or use of any~snowmobile or trailer:designed ~for use therewith; (i) owned or operated by or iented o~ loaned to any in- . . sured,,or (ii) operated by any person in the course oi his employ- ment by any insured; ' - (3) arising.ouf of the ownership, maintenance, operation, use, load- ing or unloading of , (a) any watercraft owned or operated by or rented or loaned to ' any insured,,or , (b) any other watercraft ope~ated by any person in the course ;ot his employment,by.any insured; • - , . but this exclusiom does not •apply to "watercraft while ashore on , ._ . the insured premise;; ,-, ~ , , '(4) arising out of and in'the course of the tronsportation'o( mobite ~ equipment by an automobile owned or operated Dy or'rented or ;, loaned to the named insured; , ~. • ' =(B) to bodily injury , ~ (1) included within lhe~compleied operations hazard or.the prod- ' ucis hazard; ~ ~ ' (2) arising out oi operations performed for the n~med insured by independent contractor5 other tAan ~ ' • --(a) maintenance and repair of`the inwred premises, or - ". ~~(b) structural alterationa at SucA p~emises,which Co noLinvolve changing the size ot or moving buildings or othe~ structuies; ','(3) resulting from the selling, serving or giving of any alcoholic Deverage , (a) in violation ot any stalule, ordinance or ~regulalion, (b) to a minm, . ' (c) to a person under the influence of alcohol„or Pa~e 2 of ~ ~ ~_ ~ _ Underlying Coverage 25 Revised February, 1985 1. ' BROAD FORM COMPREHENSIVE GENERAI LIABILIT`I ENDORSEMENT-(Continued) GL 04 04 ' • (Ed. 5•S1) (d) wh~ch causes or contributes to ihe intoxication o1 any per son, d the named insured is a person or organizaiion engaged in ihe business o1 manufaduring, distributing, selling o~ sernng al~ coholic beverages, or it not so engaged. is an owner or lesso~ of premises used for such purposes, but only part (a) ot ihis e~clusion (B) (3) apphes when the named insured is such an owner or lessor, • (4) due ~o war, wAether or not declared, civil wai,~irsurrecbon, rebellion or revo~ution, or to any act or condition mudent lo any of the foregoing: (C) to bt!dilr inj~ry . (ll to the named insured, any pariner thereof, any tenant or other person regularly residing on the insured premises or any employee ot any ot the forego~ng if the bodilp injurr arises out ot and in the course ot his employment therewith.' . (11 to any othei tenant d lhe bodilr injurr otcurs on tha~ part ot the insured premises rented trom the named insured or'to any employee of such a tenantit the bodily injury occurs on the ten- ant's part of the inxured premises and arises out ol and ~n t~e course ot h~s employment (or the tenant: (3) to any person while engaged in maintenance and repair of the insured premises or alteration, demolition or new constrocl~on at such prem~ses: (4) to any person if any benetits for such bodily injury are payable o~ requ~red to be provided under any workmen s compensation. unemployment compensation or disaGdity be~efits law, or under any sfmdar law; (51 lo any person pracf~nng, instructing or participating in any phys~cal tra~mng. sport. athlet~c act~nty or contest wh?ther on a formal or informal bas~s: (6) d the named insured is a duD, to any member o1 the named insured; (7) if the named insured is a hotel, motel, or tounst court. to any guesl ot the named insured: (D) lo any medical expense tor services by the named insured, any employee thereot or any person or organizat~on under contract to the named insured to pronde such serv~ces. IIAIITS OF lII1BIlITY The limit of, liab~lity 1or Premises Medical Payments Coverage is 51.000 each person unless otherwise stated in the schedule of th~s endcrsement. 'The limit of liab~t~ty appl~cable to "each person" is the limit ot the compa ny's liability tor all medical apense for bodily injury to any one person as the result ot any one accident: bul subject to the above Drovision respect ing "each person", the total IiaD~lity ot the company under Prem~ses Medi cal Payments Coverage for all medical eipense tor bodilr injurr to two or more persons as t~e resull of any one acddent shall not ezceed the Iimlt o~ Dodily injury liability stated m the pol~cy as applicable to "each acur• rence". When more than one medical paymenls coverage afbrded ~y the po~~cy applies to the loss. the company shall not be t~able ior more than the amount ot the highest appl~cable limit of liability. IIODITIONAL DEFINITIONS When used herein: "insured premises" means all premises owned by or rented to lhe named insured with respect to which the named insured is attorded coverage tor bodily injury liabil~ty under this policy, and inclbdes the ways immediately adjoining on land: "medical e:pense" means ezpenses for necessary med~cal, surgical. ~ ray and dental services, including prosthetic devices, and necessary ambu lance, Aosp~tal, professional nursing and funeral services. IIDDITIONRL CONDITION Medical Reports; Prooi and Payment of Claim As soon as pract~cable the ~njured person or someone on his behalt shall give to the companr written proot of da~m, under oath if required, "and shall, a11er each request from the company, execute authorization Co enable the company to oDtain med~cal reports and copies of records. The injured GL04040581 person shall submit to pAysical e:am~nat~on by physicians selected by the cumpany when a~d as often as ihe company may reasonably require. ihe company may pay the injured person or anyperson ororgan~zat~on render ing the seivices and ihe payment shall~reduce the amounl payable nere under for such ~n~ury. Payment hereunder shall not conshtute an adm~s sion oi liability o( any person or, except hereunder, of ihe company. IY. HOST lIQUOR LIIW 1111611IT1' COVERIIGE . Exclusion (h) does not apply with respect io habihty of the insured m his indemnitee arising out ot ihe givmg or serving of alcohol~c beve~ ages at funct~ons inudental to the named insured's busmess. prov~oed the ~amed imurtd is not engaged in the Dusiness o1 manutactu~ing. distribuhng, selling or serving of alcoholic beverages. V. FIRE LEGIII lII1BILITY COYERIIGE-REIIL PROPERTY With respect to propertr damaee to,structures or port~ons thereoi reM ed to or leased to the named insured, indud~ng futures permanentiy attached thereto. il such propertr damaer anses out of hre (A) AIl ot the e-tlusions o1 the pohcy, other than fhe Nudear Energy Liabil~ty Ezdus~on (Broad Form), are deleted and replaced by the lol lowing: Th~s inwrance does not apply to I~abfliiy assomed by ihc insured under any contrad or agreement. (B) The hm~t of property damage liab~lity as resDects th~s F~re Legal Liabihty Coverage-Real Property ~s i50.000 each acunence ~nless oiherw~se stated ~n the schedule ot this endorsement. (C) The Fire legal Liabili.ty Coverage-Real Property shaii be e~cess insurance over any valid and colleetiD~e proDerty insurance unclud~ng any deductible port~on thereotJ, ava~lable to the insured. sucn as. but not hmdetl to. Fire. Extended Coverage. Builder s R~sk Cov?ragF or Installat~on R~sk Coverage, and the Other Insurance Gond~hon ot tne pohcy ~s amended accord~ngly. VI. BROAD FORM PROPERTY OAMAGE 1II161LITY COVERAGE (Intluding Completed Operotions) . The insurance for property damaee liabil~ty apphes. sub~ed lo the tol lowing addit~onal prov~sions: (A) E~dusions lM) and (o) are replaced by the following: ~(1? to Droperty owned or oCCUpied Cy or rented to the insured. or. ezceD~ w~th resDect to ttie use of devators, to DroOeRy held bF the insured for sale or entrusted to the insured for storage or safeheep ing: (2j e-cept with respect to Iiabil~ty under a wntten sidetrack agree ment or ihe use ot derators (a) to property while on premises owned by or rented to the insured for the purpose ot hav~ng operat~ons performe0 on such property Dy o~ on behalf o( the insured, (bl to tools or equipmeni wh~le be~ng used by the insured ~n performing his operations. (c) to proDerty in the custody ot the insured which is to be installed. erected or used in construction by the insured. (d) to that particular part ol any property. not on prem~ses owned by or rented to the insured, (~) upon which operat~ons are being periormed by or on behaH ot the insured at the time o{ the property damaee ansmg out of such operations, or (ii) out ot which any property damate anses, or (iii) t~e restoration, repair or replacement ot which has been made or is necessary by reason ot 1auNy workmanship thereon by or on DehaN of the insured; (3) with respect to the completeA operations hazard and with re spect to any classification stated i~ the polity or in the company's manual as "mcluding completed. operations". to property damage to work performed by t~e n~med insured arising out of such work or any portion thereot, or out ot such matenals. Darts or equipment turmshed in tonnection therewith. (8) The Broad Form Property Damage Liability Coverage shall be ezcess insurance over any valid and collectible proDerlY i~surance (including Paee 3 of 4 Underlying Coverage 26 Revised February, 1985 BRORD fORM COMPREHENSIVE GENERAL LIA8ILITY ENDORSEMENT-(Continued) any deductible portion thereof) available to the insured, such as, but . not limited to, Fire, Extended Coverage. Buildei's Risk Coverage or Instailation Risk Cove~age, and ihe Other Insurance Condition ot the policyis amended accordingly. ' - VII.INCIDENTAI MEDICAI MALPRACTICE UABILITY COVERAGE ~ The definition ot bodily injury is amended to incluCelncidental Medical Malpractice Injury. ~ . InCidenial Medical Malpra~uce lnjury means injury arising out o( the iendering of or'failure to render, during ihepolicy period; ihe tollowing . .,services: . ~ . _ ' ~(A) medical, surgical, den,tal, x~ray or-nursing service or trealment or. the furnishing oi iood or beverages ~n connection therewith; or (8) the turnishing or dispens~ng ot drugs or medical, dental or. surgical suppties or appliances. ' - ~ This coverage does not appty to: `. • •~. • (1) expenses incurred by'the insured for first~aid to others at tAe time of an accident and the "Supplementary Payments" provision and the "Insured's Duties in the Event of.Occuirence, Claim o~ SuiC' Condition are amended accordingly; • (2) any insured engaged in the ~usiness or occupation ot providing • any of tfie services described under VII (A)and (B)-above; • (3) injury caused by any indemnilee it such indemnitee is engaged . • fn the bus~ness or occupation ot providing any of the services de- scribed under'VII (A) and ~6) above. ,_ ~ Y!II. NON=OWNED WRTERCRAFT LIABILITY COVERIIGE (under 26 feet in length) Excluswn (e),does not apply to any watercratt..under 26 feet in length - provided such watercraft is neiiher owned by.the named insured nor ' Deing used to carry persons or property br a charge. Whe~e the insured is. irrespect~ve of ,this coVeiage, covered or protect . ed against any loss or claim which would otherwise hbve been paid by the comprny under tHis endorsement. there shalP be no coMritiut~on or participatian by ttiis company on the bas~s of e-cess, contnbubng. deficiency, tonturrent. or double insurante or otherwise. ' IX. LIMITED WORLDWIDE LIABIlIT1' COVERAGE. The detinition of policr territo~y is amended to include.the tollowing: (4) Anywhere in tAe world with respect to Dodily injury, propertr . damage, personal injury or advertisin` injury arising out ot the . activities;of any insured,permanently domiciled in the Umted $tates , ot America though temporarily outside the United States of Ameri~ ca, its territories and possessions or Canada, provided the orig~nal suil`for damages because of any such injury or tlamage is brought '~ within the Upited States of America, its territories or possessions or Canada. • GL04040581 GL 04 04 (Ed. 5-81) -: ( ~ : Such insura~ice as is aftorded by paragroph (4) above ahall not apply: (a) to bodily injury or propertr damage included within the com- pleted operations,hazard or tfie products haiard; ' (D) to Premises Medicai Paymenis Coverage. • %. ADDITIOIIAL PERSONS INSURED As respecls bodily injury, property dainage and personal injury and advertising injury coverages. under the provision "Persons Insured"; ihe following are added asinsureds: ~ • (A) Spouse-Pa~tnership=lf the named insured is a partnership, '. the spouse of a parlner but only with respect to the conduct of the business of the named insured; (B) Employee-Any employee (othe~ than executive of(icers) of the named insured while acting within the scope of his duties as such, but the insurance afforded to such employee does not , . apP~y. .. (1) to bodily injury or personal injurp to another employee of ~` the named insured ansing out of or ~n the course of his employ~ _ , menk • • ' ' (2) to personal injury or, advertising injury to the named in- sured or, if the named'insured is a partnership or joint venture, any partner or membe~ thereot. or fhe spouse of any of the' forego~ng; (3) to property damage to property owned, occupied or used by, . rented lo, in the care, custody or controt of or over which physical control is being exercised for any purpose by another . employee ot the named insured, or ~by the named insured or, if ~ the named insured a a parlnersh'ip o~ joint venture, by,any part- ner or member thereof or by the spouse ol any of the foregoing. XL EXTENDED BODILY INIURY GOVERIIGE The defimtion of occurrence includes any inteniional act,by,or at the dhecUon of the insured wtiich resul~3 in bodily injury, it suth injwy arises solety from the use ot reasonable force for the purpose of pro- tecting persons or property. , XII.`AUTOMRTIC COVERAGE-NEWLY IICQUIRED ORGANIUTIONS (90 DIIYS) ~ The word insured shall mclude as named insured any organization whith ~s acquired or formed by the named insured,and over which the named insured maintains ownership oa majority interest, other than a jo~nt ventdre, provided this insurance does nol apply to bodily injury, property damage,.personal injury ar, adrertising'injury with.respect to which such new organitation.underthis pol~cy is also.an insured under ,..any other similar liability or indemnity polity or would be an insured , under any such policy but for ezhaustion of its limits ot IiaDility. The ~nsurance afforded tiereby shall terminate 90 tlays frvm .the date any such organization is acquired or.formed Dy the.named insured. ~~ Underlying Coverage 29 Reprint February, 1985 ~ ~~;: - . ~USINESS AUTO POLOCY ~ dAO~ °8, ; _ .In retum for the payment of the prem~um and subject to all the terms of th~s pol~cy, we agree w~th rou as follows: : PART I- d~ORDS AIVD PHRASES WITH SPECIAL ~11EANING -~ READ THEM CAREFULLY ~, The follow~ng words and phrases have spec~al mean~ng throughout th~s pol~cy and appear in boldface trpe when used. A. "You" and "you~' mean the person or organ~zat~on shown as the named.~nsuced ~n ITEM ONE of the dec larat~ons. , B. "tlVe", "us" and "our" mean the company prov~d~ng the insurance C. "Accident" ~nciudes cont~nuous or repeated exposure to the same cond~t~ons result~ng ~n bodily injury or property damage the insured ne~ther expected nor ~ri tended. D. "Auto" means a land motor veh~cle, tra~ler or semi tra~ler des~gned for travel on publ~c roads but does not include mobile equipmenl. E"Bodily injury' means bod~ly in~ury, sickness or dis ease ~ncluding death result~ng from any of these. f. "Insured" means any person or organization qualifying as an insured in the WHO IS INSURED section of ihe applicable insurance. Except with respect to our limit of liability, the insurance aHorded applies separately to each insured who is seeking coverage or against whom a ctaim is made or suit is brought. G"Loss" means d~rect and acc~dental damage or loss. H"Mobile equipmenY' means any of the follow~ng type of land vehicles . - 1. .Spec~alized equ~pment such as: Bulidozers; Power ,•. shovels; Rollers, graders or scrapers; Farm mach~n= ery; Cranes; Street sweepers or other cleaners; D~g gers; Forkl~hs; Pumps: Generators; A~r Compres sors; Drilis; Other similar equipment. 2 Veh~cles des~gned for use principally off publ~C roads. 3~ Veh~cles maintained solely to provide mob~l~ty for such spec~al~zed equipment when permanently at tached. 4..Veh~cles not required to be licensed. 5. Autos maintained for use solelyon rour premises or that part of ioads or other accesses that adjoin your prem~ses. I"Property damage" means damage to or loss o~ use of tangible property. J. "T-ailer' includes semitrailer. PART II - WHICH AUTOS ARE COVERED AUTOS A. ITEM TWO ot the declarations shows the autos that are covered autos for each of your coverages. The numer~ cal symbols expla~ned ~n ITEM THREE of the declara t~ons descnbe wh~ch autos are covered autoa. The symbols entered next to a coverage des~gnate the only sutos that are cove-ed autos. B. OWNED AUTOS YOU. ACQUIRE AFTER THE POIICY BEGINS. 1. Ii symbols "1", "2", "3", "4",~°5" or "6" are entered next to a coverage in ITEM TWO, then you already have coverage for autos of the type described until the pol~cy ends 2. But, if symbol "7" is entered next to a coverage in ITEM TWO. an auto you acquire w~ll be a covered auto for that coverage only if: a. We already insure all autos that you own for that coverage or it replaces an auto you prev~ously owned that had that coverage; and b. You tell us within 30 days after you acqu~re ~t that you +vant us to ~nsure it for that coverage. C CERTAIN TRAlLERS AND MOBILE EQUIPMENT. ,If the poliCy provides liability insuranCe, the f011owing types of vehicles are covered sutos for liability insu~ , ance: . . " 1. Trailers with a load capacity oi 2,000 pounds or less • designed primarily for travel or publiC roads. 2. Mobile equipment while being carr~ed or towed by a covered auto. ; PART 111 - WHERE AND WHEN THIS POUCY C0IIERS We cover accidents or losses which occur during the pol ~ icy period: A. In the United States of America, its territories or pos~ 8,Wh~le the covered auto ~s being transported between : _ sess~ons, Puerto R~co or Canada.; or, , _. any of these places ~ • ~ CA OX O1 (Ed O1 78~ Copyr~ght, Insurance `Serv~ces Ofl~ce. 1977 Pa~e 1 oi S Repnnted with permiss~on Underlying Coverage 30 'Reprint February, 1985 PA'RT IV = LIABIUTY INSURAfdCE '~ ' - ~• A WE W~LL PAY, ~ ' ~ - l We w~ll pay all sums the insured legally must pay as - damages because of bodily injury or property dam• '~ age to which th~s ~nsuiance appl~es, caused'by an ~~ ..accident and result~ng from•-the ownership, ma~n tenance or use o1 a covered suto. 2. We have'the righf and duty to defend any suit asking " for these damages. However, we have no outy to .;~•~- ' defend ,suits for bodil i~'u y~ ~ ry:or pwpsrty' d~msBe ` not Covered by thi3 policy.'YY0 may investigate and ~ settle any claim or suit as are consider appropriate. Our payment of the LIABILITY INSURANCE limit ends oLr duty to defend or settle. ' B. WE WILL AL50 PAV. •- 1n addit~on to our limit of liability, we will ~pay for the - in6ur@d: • ~ ~ ~ 1. Up to $250 fo~ cost of bail bonds (including bonds tor related trafiic law v~olat~ons) rrqu~red because of an accident we cover. We do not have to furnish these bonds. 2. Premiums on appeal bonds in any suit we defend. 3. Premiums on bonds to release attacFiments in a suit we defend but only for bonds up to our li'mit of ~ liabiliry. 4 All costs taxed to the insured in a suit we defend. 5. All mterest accru~ng after the entry of the judgment, - ~n a suit we defend. Our duty to pay interest ends when we payor tender our limit of liability. .- 6. Up to $50 a day foc loss of earn~ngc (but not other income) because of attendanceat hea~ingsortnals at our request: 7. Other reasonable expenses incurred at our request. C. ~WE WILL NOT GOVER - EXCWSIONS. ' ~ This insurance does not apply to: ~ '` ' 1. Liebility assumed under any contract oi'agreement. 2. Any obligation tor whiCh the insured or~his or her in~ -. surer may be held liable under any workers' com~ ~pensation or disability benefits law or under any similar law. ~ 6. Property d~msge to property owned or transported ~ 'by the inwrsd or ~n the insured's care, custody or ~ ... , COntr01.. . . , - -'~"` 7. Bodily injury or propeAr dsmaQe resulting from the ., loading,ol propeRy before it has.been put in or on . the.covered auto or tfie unloading of prbperty after it has been taken off or out o( the coveredauto. Th~s exclusion does not apply to load~ng or unloading by . ~ mean3 of a mechanical device tFiaf is permanent~ly - • attached to the covered•auto. • = ~ ~ - 8. 'Bodily injury or propertp damaQe cauSed by the dumping, dischargeor escapeof irritants, pollutants or contaminants. This e'icclusion does not:apply if the discharge is sudden and accidentaL ~ D.. WHO IS INSUREO. , , _ - , ~ 1. You are an insured for anycovered suto. ~' ' 2. Anyone else is an intured while'using with your per~ mission a covered suto you own, hire orborrow ex• cePt . . . .. . a. Someone using a covered suto you hire or bor~ row from one oi your employees or a member of his or her household. . . ' b. Someone using a covered suto while he or she is working in a busine5s of selling, serviCing, repair• ,~ ing or parking sutos. ~. _ ~ 3. Anyone liable for the. conduct of an insured de• scribed above is an insu-ed but only to the:extent of • that liability. However, the owner or 'anyone else _ ~~' from whom rou hire or borrow a covered auto'i5 an inturod only ii that auto is a trail~r connected to a covered auto you own. • f:`OUR UMIT OF LIABILITY. 1. Regardless of the number ot covered autos., in~ wreds, claims made or vehicles`involved in the.~o cident, the most ar~ will pay for alf damages iesult• ing from any one eceident is the UABILITY INSUR• ~ ANCE limit shown in the declaration3. „ _, . 2. All, bodily injury and pr~pertr dema$e resulting from continuous or repeated exposure to Substan- ,~ tially the same conditions will .be considered as re~ _ sulting (rom one ~ccident. . . . F. ~ OUT OF STATE EXTENSIONS OF COVERAGE. . . . •. .. ~ . 3. Any obligation of the insured to indemnify another 1. While a covered auto,is away trom the state where it for damages resulting irom bodily injuryr to the in- ~s licensed we will: _ . . __~ sured's employee. „ ~ a. Increase this policy 5 liability li ,mits to.meet those ' ~~ ~'~ specified by a compulsory or financial responsi- 4, Bodily injury to any fellow employee oi the insured ~ bility law in the jurisdiction where the covered , arising out oi and in the course of his or her employ• , outo is being used. , • ''~ = ment. 5. Bodily injury to any employee ot the in~uisd arising' - out of and in the course of his or her employment by the insured. However, this exclusion dces not ap- p~y to bodilr injury to domestic employees not en- titled to workers' compensation benefits. CA OX O1 (Ed. 01 78) . - Copynght, Insuranc b. Provide the minimum amounts :and types :oi ~ other coverages, such as "No•FaulY', requirecJ of _ ' ' - •out of state vehicles by the jurisdicf ion where the .- ~--..- ,covered auto is being used. . - 2. W~ will not pay anyone ,more than once for the ~ • ~ same ~elements o1 loss because oi these extensions. ,, Pa~e 2 of S ' ~r :e Services Office, 1977 ~' :°~ ~`• -= - ~ `~ , ' .. . ~ ' . ~ , . ~ . j. ~ i Reprinted with permission Underlying Coverage 31 Reprint February, 1985 ~~ , PART d- PNYSICAL DARAAGE IfdSURANCE -~ - ~Ife w~ll pay for loss to a covered auto or ~ts equ~p ment under a Comprehensive Coverage. From any cause ex cept the covered auto's coll~sion w~th another ob jeCt or its Overturn. ~ ~ b. Sp~cified Psril6 CoveraQe. Caused by: (1) f~re or explosion; ~ ' (2) Thett; (3) W~ndstorm, hail or earthquake; (4) Flood; (5) M~sch~ef or vandalism; (6) The sinking, buming, Collision or derailment oi any conveyance transportin~ the covered auto. . ~ 1 l ~, 5 Loss caused by rad~oaCtive Conlammdt~on A WE Wlll PAY. ; 6. Loss to tape decks or other sound reproduc~ng equ~pment not permanently ~nstailed ~n a covered auto. . 7. loas to tapes, records or other sound reproduc~ng dev~ces des~gned for use w~th sound reproduc~ng equipment. 8. Loss to any sound rece~ving equ~pment des~gned for use as a citizens' band rad~o, two~way .mob~le radio or telephone or scanning monitor receiver, including rts antennas and other acces~ories. unless permanent~y ~nstalled m the dash or console open ~nq normalty used by Ihe auto manufacturer for the mstallat~on of a rad~o D. HOW WE WILL PAY FOR LOSSES - THE MOST WE WILL PAY. 1. At our opt~on we may: a. Pay for, repair or replace damaged or stolen prop~ erty; or b. Return the stolen property, at our expense. We will pay for any damage that result; to the auto trom the thett. 2. The most we will pay for loss is the smaller of the follow~ng amounts: a. The actual cash value of the damaged or stolen ~- property at the Ume of ioss. b. The cost of repa~r~ng or replacing the damaged or stolen property with other of like kind or qual~ ity. 3. For each covered.auto, our~obligation to pay for, repair, return o~ ~eplaee damaged or stolen prop- erty will be reduced by the applicable deductible •~ ' shown in the declarations. Any Comprehensive Cov erage deductible shown in ~the declarations does not apply to bss caused by fire or lightning. c Collision Coverage. Caused by the covered auto's Collision with another ob~eCt or it5 ove!turri. 2 Towing. We w~li pay up to $25 for towing and labor costs in curred each time a covered auto of the pr~vate pas~ senger type is disabled. However, the labor must be performed at the place of disablement. B. tlYE WILL ALSO PAY. We w~ll aiso pay up to $10 per day to a maximum of $300 for transportat~on expense ~ncurred by you be~ cause oi the total thett of a covered auto of the private passenger type We will pay _only for those covered sutos for which you carry either Comprehensive or Specif~ed Perils Coverage. We will pay for transporta~ tion expenses inCUrred during,the period beginning 48 hours after the~thett and ending, regardless of the pol icy's expiration, when the~covered auto is returned to use or ~are pay for its loss. C. WE WILL MOTCOVER - EXCLUSIONS. . . Th~s insurance does not apply to: E.~~GLASS BREAKAGE - HITTING A BIRD OR ANIMAL - ~ FALLING OBJECTS OR AAISSILES. • , ~I~e will pay for glass breakage, bss caused by fiitting a bird or animal or by falling objects or missiles under ~omprehensive Coverage if you carry Comprehensive Coverage for the damaged covered auta _. ., 1. Wear and tear, freezing,' mechanical or electrical breakdown unless caused by other bss covered by this policy. _ . _ • : 2. Blowouts, punctures or,other road damage to t~res unless caused by other loss covered by this policy. 3. loss caused by declared or undeclared war or in surrection or any of then'consequences. 4. Loss caused by the explosion oi a nuclear weapon or its consequences. ,.. PART VI - CONDITIONS . . The insur3nce provided by this policy is subject to the fol~ where the iccidsnt or bss happened. You must towing conditions: . assist in obtaining the names and addresses of any - A. :YOUR DUTIES~AFTER ACCIDENT OR LOSS. - ~ , ~ tnjured _persons and witnesses. _ ; ~ ~ 1. You must promptly notify us or our agent oi any ~ 2• Additionally, pou and other involved irtturods must: accidsr-t or lo~s. You must tell uo how, when and a. Cooperate with us in the investigation, settle• CA OX O1 (Ed. O1 78) . . ~ Page 3 ofi~5 i. '~ Copyright, Inw~ance~Services Office, 1977 `. Repnnted with permission Underlying Coverage 32 Reprint February, 1985 ment or defense of-any cla~m or surt. No insured shall; except at his or her own cost, voluntanly make any payment, assume any obligation or ~n• cur any expense • - b. Immed~ately send us cop~es of any not~ces or legal papers -ece~vetl ~n connect~on w~th the ac- cident or {oss. - ~ . ' c. Submit at our expense and as often as we re qu~re to physical examinat~ons by phys~cians we select. . d. Author~ze us to obta~n med~cal reports arid other ' ~ , • pertinent medical information. . ~ . ' 3, Add~honally, to recover for loss.toa covered autoor ~ts equ~pmenl you must do the follow~ng: ' a Pe~mit us to mspect and appra~se the.damaged property before ~ts repe~r or d~sposit~on .~ b. Do what ~s reasonably necessary after loss at.our expense to protect the covered auto from further loss. c. Subm~t a proof of loss when requ~red by us. d Promptly not~fy the pohce ~f the covered auto or any. of ~ts equipment is stolen. B. OTHER tNSURANCE. 1. For any covered auto .you own th~s pol~cy prov~des pnmary ~nsurance. For any covered auto you don't own, the ~nsurance p~ov~ded by th~s policy ~s excess ~ over any other collect~ble ~nsurance: However, while a covered suto wh~ch is a trailer ~s connected to_another vehiele'the I~ab~lity coverage th~s pol~cy provides for the trsiler: a Is excess wh~le it ~s connected to a motor veh~cle rou don't own. ~ b. Is pnmary wh~le rt is connected to a covered auto rou own ~ 2. When two or more pohues cover on,the same bas~s, eitherexcess or pnmary, we w~ll pay only our share. ~ Our share ~s the proportion that the I~mit of our pol icy bears to the total of the hm~ts of all the pol~c~es cov,er~ng on the same bas~s. , , • C. OUR RIGHT TO RECOVER FROM OTHERS. Ii we make any payment, we. are entitled to cecover what we paid from other parfies: Any person to or for whom we make payment rriust transfer to.uslhis orher rights of recovery against any other party. This person must do evervthing necessary to secure these rights "' and must do nothmg that would jeopard~ze them. D. CANCELLING THIS POLICY DURING THE POLICY PERIOD. - ° ' ' ~ ` ~ 1. You may cancel the pohcy by retum~ng it,to us or by g~wng us:advance nohce of the date cancellation ~s to take effect. - ' 2. IMe may cancel the poi~cy by ma~l~ng you et Ieast 10 -- days notice at ~your last address known by us. we may del~ver any not~ce mstead of ma~lmg ~t_ Proof of ma~l~ng ot any not~ce will be suff~c~ent proof ot not~ce. _ , • . 3 The ettechve date o1 cancellat~on stated ~n the no ' t~ce shall become the end o~ the pol~ey period _; .; 4 It this pohcy ~s cancelled, you may be entitled to a premium refund. If so, we will send you the refund However, mak~ng or offering to make {he refund ~s not a condition of cancellat~on. 11.rou cancel, the refund, if any, will be computed in..aceordamce wrth the customary short rate procedure If we cancel. the refund, ii any, will be computed pro rata. E. IEGAI ACTION AGAINST US.. ' No legal act~on may be brought aga~nst us until there has been tull compliance with. all 'the terms oi this policy. In addit~on, under LIABILITY INSURANCE,.no • legal action may be brought aga~nst'us un4il we agree " in writing that the insured has an obligaUon to pay or ~,~ until fhe amount of that obligation has 6een finally de~ termined by judgment after trial'. No person or organi~ zat~on has any nght under this policy.to bring ut into anyaction to.determine the fiab~lity of_ the insursd. F. INSPECTIUN. . ' At our option we may inspect,.rour property antl opera tions at any time. These inspecfions are for our benefit only. By our right to inspect or by our making any in• " spection we make no representation that your prop- erty or operations are safe, not hermful to health or . ~ comply with any law, rule or regulation. - - G. CHAPoGES. • This policy contains all the agreements between;you and us. Its.terms may not be changed or waived except by endorsement issued by us: H a change re.qu~~es.a : , premium.adjustmenf, we will adjust:the-premium as of the effective date of thange. If we revise th~s.policy form to provide more coverage without additional pre~ ~ mium chacge pour policywill automatically provide 4he additional coverage as of the day the revision is effec tive in rour state. ' ` . H. TRANSFER OF YOUR INTEREST IN THIS POLICY. - ~our rights and duties under this policy'~may'not be assigned without our written consent. I. NO BENEFIT TO BAILEE = PHYSIGAL DAMAGE INSURAWCE ONLY. • ' We will not reCOgnize any assignment Or'grant any coverage for the benefit oi any person or organizat~on holding, storing or transporting propeRy for a fee re ~gardless of any other provision of th~s poliCy. - . J. BANKRUPJCY. . . Bankruptcy or ~nsolvency ot the insured shall not re lieve ut of any obligat~ons under th~s pol~cy, . K. APPRAISAL FOR PHYSICAL DAMAGE IOSSES. ~ .~ ~ , If rou and we fa~l to agree as to the amount oi lose either may demand an,appraisal of theJoss. ln,such, , event, you and we shall each seleet a cort5petent ap praiser; and the appra~sers shall:select a competent ~ r and disinterested ump~re. The aopra~sers~ shall • ~ CA OX Ol (Ed O1 78) Copyngnt,.l~nsurance Serv~ces Otfice, 1977 Pa~e 4 of _ 5 ~ . j :. Repnnted with permission ~ Underlying Coverage : ~ 33 Reprint ~ ~ February, 1985 ` ` - state separatety the actual cash value and the Shall bear equally 4he other expenses of the ap- - , amount of lots, and, failing to agree, shall submit _ praisal and umpire. their difterences to the umpire. An award in writing of any two sFiall determine the amount ot loss. You 2: We shall not be held to have wawed any oi our rights , ~ and ~e shall each pay the chosen appraiser and by any act relating to appraisal. , F CA OH Ol (Ed. 01 78) Copyright, Insurance Services Office, 19i7 ~ ' " ` _:_. Reprinted with permission Page 5 013 Underlying Coverage 13 Reprint COrFAA6E VARi t 639e February, 1985 ~ta i r~ . CO~IPREMEMSIYE 6EqE6lAl UA8IUTT 1!lSU~IINCE ~f .. ~ Fa ~t1~tNntnl lo POIK~ Ib . 1o cOmDlele s7~e p0licy, '" ' e~oiiweu~ occwnTroai Loution ol sll prrmixs owmd br. rent~A to or tontwl4d Dy tne ~I iessn/ ,.•... .... ,..... ,e~..~o....ee...... ~ .- o. o.,,... .o_,. IMertit o1 m4mo1 FatarsA in sutA pemius ,~..~. ,_, ~ Oaner ~ 6eeer~i lesxr •O Ten~nt ~ Otner ---- PM anrpra er mmsl hsana ,......~.e~~ ~ . ~ TM lolbvin~ d~ubus N~ Auxps inswed hereunder Inown to e~nt ~t tAe eHect~ve d+1e ol tAis poiicy. unless otAerw~se sUted nero~n SCNfOUI[ ~ \ 7Ae msur+nce i~ordeE ~s only mt~ respect lo sucA ol the follo«mQ CoreqQes ~s ut m0~ute0 Dr sptuhc Drem~um c~aige o~ c~~~ges Tne lim~t ol tne compa~~'s hfD~l~tr ~Q~~nsl acA sucn LoreuQe sAall pt ~s iuled`herr-m suDirct lo all tAe le~ms~ol this po~rcr ~avmg retomu Ihtreto I pti~ lfaih H UaOiWg ~e~~~ ~~ oaA occwrexe a{gre4~te = j f A-Bodily Injury Citbiliry _-- _-- f ~f ~f ~~--Property~-W~{e li~bility ~ ~ I s ~ . . Fas ~b,n of e~aufemsah nttsclsl ri ntw . `f Totel Adracss P~e i • i ~ • . Oe~rel ° [i~lllb Mmift . . 00-aaso Pieoiaw a~t~~ -n~iori Baus ~ CeA Oo~crptiaa ~1 Nan~O~ ~.ex~ u~n rnwro e~.n, o.i. T v.e. M.. I ~ I I ~ i I I i ~ Prowiin ~ OpMN~s ' ' ~ I I ~ i I I ~ I ~ ~ I I ft ol bu Ul Nr 10o S I ~ ~ I I ~ ~ S ~t 1 I o m~ h~.ue.., rooi- _. r~~ f ul ~ O. toi r~oMq. ~ ~c) hr,~100 0~ Neinuntr~l~on L) I11. ICO 01 ~ICf~0~1 (cl 11~inun~ral~on I lEl Rf(f~p\) ,. (~) -er.U*It <: Un~t~ ~ ~~~ UnEm~ Nu~nMi In~urt0 i . - [scal~tns UI~m6er al Pnmisasl . - ----. .. - -t-- -.~ t~ao o~ co~~ ; co,i I i . {oOSpoMOa1 Watrxters i I ~ . ~.~ -.r ft ODO oi 1lrtnpli i.~ a.~noR CMphtCd Oyfntn~s ~ . ~ I ~ ~RI rr il o00 0l Aie~ ml Lu~ I i Pf~daeh ~ . ioW Alrcaa 9.I..aod -.D. Prooim~s ~ - - - . 1Men uieE as i prtmium Wiis °~~ ~ I~ 1. "0~0ittNOi" mtmi~tAF'tOUlloumber ol Dt~soni, otAer tA~n emplorees ol tnt ~ed ~~s~red, ~Omitted to ~~t eveM rnswe0 or lo erenti conAucltd oa {Ae ' prmists vAeMer on p~id~'~Annii'ion hCrrti. [omD~~menUry ti[kels or passes~. _ 2. '1e3eY ~~n~.tM~toU~.cost.to tM ~a0 iesaro~ wd~ ftSptU 10 OperN~On1 ptAO~fned~lOr t~e.wos~ imtwel dunn` Ihe poIKJ pe~~od D~ mAepenOem eaMrxMrf o1 ~II wrM lel ~ors~ki ~O~CWIOtt~qn~ wd~ !KA SptC~~K po~ect, mdudm~ tne cos~~ol en i~Dor,. miteinl: oM epu~pment lurmsnee, uua o~ Aoli~wnC~Wi we.in~tAe°eucufwn al:iuc~.wrl,~aAetner Iu~n~s~eC D~ IAe o~+er. conlrxlor a suD~[ontr~clor, mtl~Qio( ~II 1ees. dbqncts. Donuset a eonwnnswm ~nme. w~ n~ e~. ' . 3. '1otolpO.. n~ean Me `iois rnoum,ol nwner cnar~eo Dr tne ao~o/ wisM lo~ +uc~ oper~ians b~ tne e~e1 iafars/ o~ Dr o~ners durm` ine po~~c~ pe~~o0 m at r~t~d ori ~ itce~pts 4sfn oteti flun ~ete~pts ~~om ~eleuslm4,,Dro~dustm` o~ motqn D~qures..aM mcludti luef, otAer tMn I+~n wArtn IAe ~1 Easasl tol{~cfs m ~~upuate~-dem-~nd remits dne~hy to ~ ~ortrnmentN 0wnwn. ~. 'Y~rptbe" me~ns tAe enb~e ~remunentan evne0 Omm~ tAe' po~rty ve~ro0 Dr poaK~ols MO D~ e~l emaorees ol the ~1 inwal. otner Inin ~ CMu11eWf~ laapl optri/ors O1 mobde rpwpmentl ~nd urcnh pilots in0 co~D~~ots. suEKCt to an~ O.th~mt ennm~s or IpniUtan ol remunei~lron ruie ~, . mppicsEk in eccoiAx~ct~od~ Me nunu~h in use D7 t~t comp~ny, . ' S. 'eats~" me~ns tM oioss'~xrount ol.mone~,cMryeO Dr tAe udl iotua~-o~ Cy ot~en trWm~ unsei Ms nsme for ~II ~oods ond poducts soi0 or.tlntuDulra . Awm~ tAe pol~q~p~ro0 ind tAo~~ed durinQ~tAt~pol~cr peno0 lor ~nsqli~t~on. i~~.~an4 0~ nW~~. snd mdudes bus. otAer tnsn u~es wn~cn me ~esH. hmval ena sucA othen wllect n~ up~r~le Aem ind remd Onecur to + fo+~rnmenUi dwnro~ lover~ Underlying Coverage 14 Reprint February, 1985 I COY[~A6[ ~EODIl1' Ip1UN1' 1~~81UTT COY[GAGE 9-PR0-ERTT~D~pIG[ IIACIUTt ine~tomp~npwill p~y'on DeA~ll 01 Iht infr~o0 ~II sums whicA ihe INIY~t1 SA7~I Decome Iegauy o01~Ba1rE to.pay~as d~m~ga~btuuit ot- ~ . ~ A Oodlly ie~~ry or 6 ~nMr1p Is~~ to wh~cn thn msur~nce ~pplits„CauieA by m KCY/lUtt. ~nd M[ COmpJ~y ShJll I+ave tne ngnr and Oury 1o delend mr swf aQ~inst tAe iniur~d seeMinQ E~m~Qes 0~ ~(COUnI~ 0~ SuC~ tOOilr.lA~Yry OL,P~Cpt(h OlIIU~l, !Y!0 ~I ~ny~of tAe ~Ileyitlons of tAr ~su~t ue ~rounElesi. -f~lse orir~udulenl,. ~nd may maMe~ su~~.~~invest~gat~on anE-stHlemrol ol ~nf cla~m'or. iwl as it Otems-.exj:Oi[nt but Ihe;compdny sAall rat be oGllgate~' lo~ Day' anr da~m or rydjmrnt oi :o delend my~ suit. ifter tAr ~DD~~t~6~r I~m~t ef lhr compa~y's i~+b~il!y Ns Dem e:~austed ~by parmem~ oi ~udgmrnts o~ setllrmrnts ~ . E+cluie~z ' ~ This insurmu~dors not.~pply~ 1~1 Io lisbility isiumed Dy IAe i~sured unArr any contrbct or aQrtemeM ncepF ~n inei0enlal' contrut, Dut ~t~~i~~nc~us~on. does not :~DD~f~ ~a a:wuranty~ ol, litnai or. pualily ol ~the ~,A•e. ~.:~na~: yro0ueti or; a wartanty tAet`worf' perlormed by or~ on Detia11 0l tlie ns~n~A~ insured wid be;;dont in a worGmmliMe mannei. ~ - ' ~ ~ ~ (D1 l0 6~Eilr injury ocProyerty diena~e ans~np out o1 Me ownrrship, m~mtenance. oDeratwa use load~ng~;or unload~ng,o1~ ~ - ' 111 iny wton~~hile or' arcralt ownrd or operate0 by or rented oc loaned lo, anr Infund'or t21 .my othir iutomoEib orair~dit operalt0 by my ~petson in tAt course o1, An empioymrnt tiy inr in:urid: , , but tAis c.~lud~on does~ nat aDD~Y 1o Me DarA~ne ot:an automoEile on Dremises owned Dy: ~rented to oi conlrolled~~ Dy tAe M~n~d ieiu~ed ~oi ~Itit ways immi~ di~tely ad~o~ninQ, il su~h sWOm~lil~-~s rat owne0 by or rented or Iot~eC to ~ny ias~rod; Id to IodiiY In~ury a~.,roo.m e„K, nisinQ out ol Ill,. the ownerihip. ~ma~r~ tenince. operation. use. Iad~nQ pr~.unio~dmQ ol ,any n~0ilt o0~~0~ent. whde , ~e~ng use0 in my. preaningt0 or org~nued ncir~g speed or demoliGon_ contest~or m~ny slunGng~acindr:or in pi~d~ce or prepaial~on foc bny such eontest o~ ~cbvity oc (2~ the-openhon or use ol ~~ny .mowmoCile oi trailer EtiiQne,O for„use ~therewith; IEl to Iedilr, io~~ry or"proyvt~ diw~e arising aut ot ~nd in the course of tne ~' triesport~Gon ot ~io011e 90a1PA~nt by on ~wtomeCil~ owned or oD<<ated Ey~ or renteA or-~.lo~ned:Co~any.~:inturol; ~ ~ - It1'tn:-oAilr ieJurynor yroPert) d~aa(t uisin~ out al tAe onnrrstiip, maint(nancr. oDention,use.~:loadm¢:or un~oadinQ~b1 ~ ' ~ (II ~ny w5tercralt owned,.oi opiraled.Cy or rtnted'or IoantElo anr iniured, or (21 iny olhei w~tircraft oper~ted' by +nr Oe~son m t~e ~coune~ ot his em- ployment D~ ~ny I~curedt . but~ thii..euluswn~ does not ~~pD~Y ~o ~{tt~trafl ~wAilt ishoit: On premisrs. o~vned Dy,:iented to or controlled br t~e ue~e iniundi (0 lo Iodily inJury or. OnPertr daiaa~~ ~nsmQ ovi ot: the disthirQe, disDersal. release oi escape ol smo4e,~rapors; soot. Iumes: uids. alM~l~s~. ta~i~ chemicals:. hpuidi or~ases; wastr m~tenali or oMer ~urdanls. tontaminmts or pollut~rits inlo or upon ImC; Me ~tmosp~ere or ~my water cou~se ~o~ bod~ ot wotc(,-Dut t~~s e~dusion does,~not `~DDIY if•such discAarQe. ~.d~sDerul, Ydease~or esupe is sud0~n and ~ccidept~l; lyl. to 1edi1~ Ip~Y~' or o,.o.ny„es~,n. d~e to w~r, whetAer or not decl~~ed. Civil Mar .in5u~re[tion, ItDNIiOn ~or ~evolution ~or 10 ~ny 'itt oi COndi~~on. ~inudent to.any ol tA[~Ia~rrgo~nQ, witA rrspec'~.~o . (II I~~aDility assumed by'the inwnd u~0a an incidenUl contratl. or . f11 eipmies lor 'first ~id un0er tAe Supplementary -Payments~ piovision: ~A! tc,eoa~h in~ury b~ -roprtr ds*a=~ lo~ wMC~ iht infur[E w' ~is indemm~te may De AEIO hsbh ~ ' ~ - ~ 11) os ~ peison ~oi~ oigan~:zllon. engage0 ~n tne busmess'ol~ m~nulactu~~~g. d~st7iDuting, srll~nQ or SemnQ ~Iroholio Dere~agts o~ (71 ~it not so engsQeE, as sn owner p~ Irssor o~ D~em~ses ustA ~o~ sucn DurDO5t3.. ~ ~ d su[h IiaDd~ty is impp5ed ~ ~ , ~~~ Dy: or Decausr oi ihe r~ol~bon ot ~~nr s!atutr m0~nance ~o~ reguUi~on ~ ~perti~rong~to t~t Salt: pd~. dislriDuhon c: use e~ any alconui~:,De~e~agr Or lu; Dy reason ol Ine sNlmg, SnvmQ~ or Q~.~nQ ot any aicohoirc,beve~agr to a~ m~nor or ~~to a person unOtr I~e influtr,tt~oi ~I~ohel~o! "w~it~ tausel.o~' cOntnputes to9~e.intofVCilSOn bf anj person. ... . . 'tiut. put iw ol fn~s ~t~Uus~om tlocs nol apDl~ wn~ ~esDe<t to~haDd~ty oi tAC. i~~nrtE .or ~n,s ~n0rmmtre. as ~n owne~ or iesso~ OeicnDro ~~ ~7' abo.e. - Irl to ~an~ oAI~Q~hon lo~ w~~cn tl1! ~QWf~O o~~.an~ un,~i ai h~s ~nsure~ ma~ De neid I~rD4 under a ~ . _ nj worimcn's coriiptn.i~~p^.. ~.unemploymrnt com0ens~ tron o~ A~s~bii ty btnEGis 4w oi un0er a~~ s~m~ia~ ibw: ~ . ~~.p to ~oa~i~ injury to ~~ny employee o' thr miureE anvng ou! ol ~nc m Ihr ~ course,-ol n~s rmplormect .by ihe insu~ed o~ ~to any~ oDl~Qation~~ ol tne insureE to mdemnily anotFti''btuuit oi damaQes~u~•e~ng ou! ol suc~ ~n~ury b~t In~s t~tlus~on. Ooes not ~pD~Y ~c Ii~Dd~ty nsume0 Or tAe. infu~ed unOe~ ~n IYCi00~1~I 'CI~ifKl. ~ tYl to OrvNrt~ Oim~rto - UI Droperly'owneG~oi,'occup~ed Dy m reMed.to the iniurrA. pl property used Dr t~e ins~reE. or • ' 13) properir- m~tne~ ure. custody or ton!rol 'of tnr. ~insurrd .oi ~;is ro whith thf Io~uitE n 1or iny ~purposr e~er~~sm4 ~DhYS~ui ~ontrol.. . D~t-Dihs ~21 ind ~3L o~ IMS' atlusion'do. ooY iDD~Y witA~ respect. to I~sb~i~ty under ~ wnNM.S~dNrKK ~Qrtement +n0~ put ~3i.ol tnis~.e,cius~~on,-Ooes not'~ •pDlr wd~.retptt~ fo yVONrt~ dJiwa{t ~otnii>t~ari to N~r~Urfl ~ns~ny~ o~t ol tAe~ust ot in'oMiiG~ it premisFs-owne0 Er, ren~ed lo oi tonliolled Ey 1At wef Inrrrd; ' • • ~ ~~~ ~~ P~~P~~11' 1a~Kt.lo Dremnes ~Iitn~ItO~Dy Mr nimt0~intund msmQ out.- of;uc~ premats or"~n~ p!A tAertol, - .~ '. . ~ ' . ` (m11o loss ol u'sr ol UryiDh proD<<h M~icA. Ms rat been pArs~ullr ~n~"u`~e0, or ~eSl~oy(d trSUltin( Irom ~ ~ _ 111~~ deNr~in_or;lst4 0~ Derloim~nct br oro~~,DtA~ll ol thr ~dwet i~svn/' ol ~ny conhact or ~QRement~, or. . pl the f~Ilu~e ol tAe ~an~0 i~iunA4 ~ro0uctf. o~ wati pirlormed Dr a on DeMif ot Me ~uw~! inrvi~E'to meel .tnr ~tvel Ol~~ilorm~ntt~ puili~y, 6lness or a~~,o~i~~r w~n~r.tt0 or reQrrsrnled,Dr tAe now~~E in~und. Dul ~tA~s~ e~tlus~on does not ~pp~~ lo loss -o~ usr ol other~ bn~iDie DroptrtY ~esullmQ lio~^ tne~~ sudder sn0 ~cciOe~U~~~~ pnr~~ul ~nryry io o~ desliud~on~ o!~ tAe ~woea ~.~~na ~-nd~cU or woi~ De~!wmrd br m on behiii o1 Mr ~Nned imu~ed~: ~Itei such p~oducis'~~~oi~'worl:A~re~ Drtn pul to ust ~_Dj mr ~person oi o~Q+n~r~l~on otAU tAan m~~nulel, ~ - in~ to ympA~ d~m~~e to the iun~~0 iniund's. yiodu[p uisinp out ol such 'D~oOucts or aby pa~t o1 such ~pro0ucts. ~ iol ~o piopeny Oams~e lo wmA' per)ormed Dy or.onctien~IL ol Ine.nan~eE~insured - sns~nQ oul ~ol tne work or inr porhon,l~creol, o~ ouf~of malenals~. parts or - ,epwpmenl IurnishrA in tonnEclion'MerewdA, - - ~D~ to dimages ~daimed ~lor Me w~itAdraw~l, ~nipect~on, .repa!.r, ,replacemrm. a • losi o~ ~usr of Ihi psme0 iesune'r- jnd~ct-,o~ woik completed bj c+~ for ~~ihe ~a~ned. iasuitd or ol ~ny property~ ot' wh~rch~ sucn pioducts or~-wo%i ,form .a parf, d such ~proG~c~s wo~M oi proDr~ty ~re_ wnhdr~.n:.lrom tnr ~ma~Aet o~ tromvsr Decause o~ any Mnown.or suspedeOAe~ect:~ordNicrtnry.~Mrrem. (Qi ~o q~ovcrtr aa~ne ~~ci~a~a .,~m~~ ~~ll~fhe nplotion A~nrd ~n connecl~~on~M~th opa~tions:~~i0entihe0 ~n tn~i ~ pohq Dy ~a class~l~cat~on code numDrh w~i~h IIICIUEtS'M! ~SyR1O01 `I", :1i ine eoil~pse hu~rd ~n cannectron "r.itli oe~~,~~o~s- ~aeol~~i~rd ~n tn~s ' po~~ry~~Gy a d~ssil~tat on "todr number.swtii~h mdudes ~the 3ymboi -' c'y• ~- ' '3~ thr unEtr~rpue0 -propertr d~m~~r 6usr0. in connecGOn w~th ~opuaGOns . ' ident~hed m tnis'pol~cy Dy a~dasiil~aP~on:'todFnvmbe~-wA~ch mdude: ' t~e sYmAul ..u.. . . .. . . .~ . u PFRSONSJNSUIIFD ' ~ '. Esch, ol'tne lolio~~ng ~s an iniured under ih~s insurance 4o thi~ertent set for1A Dtlaw '~ d Ine.~na~nea -insured ~s des~QnaliG n the~:.Oc;lzra4a~<.~as an m0~r~0ua~" ~~e perstr~:SO~Ces!gna~eC Dut only wIM respec!`~o~~t~e:ccn0uct ol a Dus~~es; ~:~' . wn~~h ~~e ~i. tAt solr propnHOi, a~0~ flie 3pouse •c< tAt e~med- insureE w~tr . - ~~tsD!c( to fnf tondut! ol su[h a bus~neis. ' ~ - ~ " 1bi ~~t Ine iume0:infureE ~s OesignateC m Ind~ Oeclardlions ,as a; paiinersh~p or ' ~o~m vtnture. t~t~~;partn[rship or_.~oint vertiure so des~anated. and' any ~paMer' o~ memDer ~t~ereot Dut only wdA"rtsDtt!~ to, Ms Ii~Cllity ~as suth, 'A kf ii the mwed insureE is Ocsignafed m;tAe dedaratrons as otAtr'than'~bn.Sn ' dniduaf. partnersh~p or ~om! ventuie.;the orQanliat on so OeS~gnated~~and any'~ .e~ecui~re-~oH¢er, d~recior or stockholdir Uereo~ wh,le~icL'ng w~t~m tpe ~iroDr -ol his dulies as such~, - ~ ~ ~ - ' ~ ~id! any person lolher tnan an employee ol' Me na~~d illsur~dl or organiration' wndr .~actmg as ~reai eslate manager for~ ihe- eaintE' iaiand. and~~ ~t1 w~N reSDett. to !~t oDe'alion ~lot, ~Ae purpoit ~o~ IocortroDOn uDOn a pub4C ~~~anway. ~ot moEilt tpuipment,reg~slrred;~under. any-motor ~ve~~Ue reg~st~at~on liw.. . - ~ ~ ~ . i~t an rmployee of tho- nsme0 insurtE whqr oDen!ing any .su[A~ equ~pme~nt~ in ' tnrcoorse ol Ais employmmt~ and~ - ad an~ otnfi p~rson"wn~k openl~n`g wdh ihe permisiion of,'i~ht ~~~~d Iniu~~E Sny sucn t0uipmeni ieg~stere0"m I~e name.,oi tne nam~d insurtd and any person or organitahon legally rrsDenslble lor sucM~oDerN~on, ~ut~~ontr it t~err is. n0 other valid and. collecliDle~~ insuiance 7vii1261e, e~thei-on 7 ~ pnm~ry. o~ e~ciss Dasn~. to su[n persom~or..o~4an~i5t~on, prorfded thal no person o~ organiiatroh she~~~Dt. m,insured under this para~~ ar~Dh ~'el w~th.respect to~ ' - . _' ql,~bodil~. inj~ry Io any lellow employet of~~iuth. pe~ioo- in~u~t0 in~~~tAe cowseL 01 ~n employment. or - ~ ~ ~ ' :1!'proy~Ay d~m~~t~io v~oDerty,.owned.;Dy.,iented to~,.in charge ol_or occuD~ed~ Dr ~tlit named -insured ~or ~~ihr tmpioyer ol ~any ,person dtsuiEed' in' iub~~ paag~aDti I~i! . . . ._. _ . . .. ,ihis~miur~n« Qpes not aDD~Y to~ladil/ injury'oi Oroytrty di~ia~~ ansmg~,out ol the`conG~El ol'~ny pahnersn p or~~~~oint.renture~ol which dne~in:Yttd.is a~par'~er oc memCer anC wh~ch Is not des~gnated m M~s policy ~i a watd iniured. ~il UNIiS Of ll-BIlIT7 ~ RrparOlus o~ t~e numDrr o~ Ill:iesrreds unAerthir.poli~r, (?1 p~rsons or:~.organ~~. Lti0n5 wh0~~3u51a n eoa~ir._iei~ry a~ p~o'pertr ~O~~na~t\ cr ~;3!~da~ms maEe iof i~~ts . Droug~t on aaouni o~ Eoaily in~ury or yropeAf E~~na~~ ,In~ ~ompanyi liab~hty ~s limited iselollows - ~ . . - ' C~~eraQe ~A=ine tota~ h~G~btr ol tne companj lor :~ii ~d~msges: ~dciudmg~~ dam~Q~s lo~ care and ioss ol servrzes Eenose.ot;podilr•,injury, susta~neG'by one'~ 0o- more persons ~s tAe resuH olyinr one eeeurrenct sAa~' ~ot ~nceed'.t~e hmit ~oi~ ~ eea~ir iejury' GbD~i~ty stateA in,tlie aC~edult as apD~~u~le to `e~t~ etcurrence'J.~ SuD~eCDto.iht above~prOnsion rtSDK~ing''qc~ OCtr~r~nCe". ihe total°1i5bility ~o~1Ar,~omp~nr foralLOamagrs'Oecause ol>~11 ~II ~oddy injury'~nciudeE~.with~n the ~ nnpleted q~ntiont ~~:ard an0 ~?I ~II-0aAd~ injury' mcludeE. wdn n thr yieducls. ~us~d anai~~ not rureE tAe I~mit ol~.l00~1~ ~n~ury ~:habJ~ty-,shted~ m~I~r schedule u,..~Y6!eQ~te".~ . . . .. ~ . Co~~q~e.!-TAt total habJny oPtArtompany-lo~-~ali dimages:Drcause o1 ~u, P~e~en~'a,~s~i sustimed br one ormore Denons or orQan~:at~ons as tne itsuif ~ol 6ny,one eecumnc~ cAall not e.cee0~~'~e limit:of'ra~eAy dawap Iu6d~ty~slateE' m Me srhrdulr ~s ~pDhcable lo'=each occumnte'' "~ .~ ' SuD~tt~ io fne aDere Drovnwn ~isD«~~~g "ocA oceurrt~c~": the ~rotai~ hzDility ~ ~ob tne tompany lor all~ Eam~ges beca'use o~ .iu ar'o~en~~e,w,ic..ro'wn~cn tn~s~ corenge ~ppnes ~nO Oesu~bed m any ol t~e numDe~td':subD~r~QraD~s Delow., s~~ii nol .u[ee0 tne I~md of OnOMr ~d~~ai~~ li~~~l ty iliJeC'in t~e.~s[ncdule. as ''ayg~cgatt:` " ~~l1) all~~roP~A~ dsms~t aris~ng~-out cl Drrmises or operat~ons nted on:i rr ~ mu!±e~+t~on bas~i. or contracJor s equipmeM~ rited 0~ ~ rece~pti b~sis. , mciu0mg~~npMr Lin~~te ~IOC.w~iM h~Dil~ty is uiumed undu~ my In~ adenbt~:conl~xf rrl~hnQ fo sucA premiiei or opeiii~ons, buf eiciuEmQ , ~rsy~rty l~mna'in~lu0ed ~n;iuDp`iraQo~h ~Q)~ Delow, _ ~z~ ,i: „eo~n~ aaw,p,,~~s~~a o~t o+ ~~o:octyr~~~e m Mt;coune ol;oDer~lions oe~lo~rrie0 ior t6e ea~d mwnd by ~rMcpendem iontiicton ~nd Qenrni superns~on. ihorol Dy~ the ~~w~E MtrrtE;-~ mclud~nQ .anr ~,iuch~ ~~rp~rt~ ~ ~. Oa~n~~~ for wA~cn I~qDd~ty is~ ~~ssuined, ~uneer' ~nr:;iaed~nbi' eoetna . iel~i~ng to su~~.,uper5uons, Du1 ~~th~n subD~qQypA J21 bpes~ rrot inilu0e . . po~~rt~ din~i~e irnmQ-ouF ol`~m~ ntenantt'oc reWirs :~t premiits'orned ~ ~ Dy o~ ~enled to,.ihe n~~xtE.infsnE or stiucturil ~Iteritions~~,sucA,premises wn¢~ do not mvolre ch~nQfoQ tAe iitt of oa marirtj DuiIE~nEs or' other ~ itN~turti ~ ~~ ~ ~ ~ ' , ~3~ i~~ o~eoenr a,~n;~~ mciu`deO w~th~n~lAe~-rs1~Ni ~o;xE,~nd•~II'jroP~rt- ` bnqe ~ndu0r0 witMn thr uoyl~Ul ~Nntk~i Aaix1. $ucA ~Q~rtQa~t hmd shall ~DDI/'seDai~ltlr lo the ~q~rry 4we4e ~,Oescribed ~~ ,n suhpu~Qr~Dhs ~I' f11'1nd 131.aDore ~nA un0er su0puf~r~Dns ~1`inE (11 ..iepn~irq w~In.~esDeci to'eun pro~ecf ~.ay~.liom prrinnes~,ownrd Dj or iente0 lo tncai~ned inturea. • .. - '~G~rrqos=l~ii1 !-For Ihr purpoSt;~ol'dettiminmE t~t"hmd'01;1~t`tOmpany's IuD~f ~. ~I: p~d~l~ ~njury ind ~ro~ert~ dNnqr ,~nsm~~ out ol ~continuous or ~t~ peSltO r~posurr~to eubtt~n!{a~i~ iht iime~ ~rnrr~l conO~hons snili De ~cons~dereC 75 7iis~nQ,~~il ol~Ont'~[[uflllltf ~ ' ~ ~ ~ iV. ~-Ollt1'iERR110Rt ~ ~T~~s miu~mtt ~DVl~ts oMy lo C~li~~~ in~ury or pryNr}y Oaw~(~ w~~c~ occurs w~tA~n Int ~ohrJ terrilar~. ~ ~\! 1-