DATE (MM/DD/YYYY)
CERTIFICATE OF LIABILITY INSURANCE 07/07/2025
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 CONTACT Scott Rosenberg
NAME:
Brown & Brown Insurance Services, Inc. PHONE (770) 512-5000 FAX (770) 824-8899
(A/C, No, Ext): (A/C, No):
900 North Point Parkway E-MAIL scott.rosenberg@bbrown.com
ADDRESS:
Suite 300 INSURER(S) AFFORDING COVERAGE NAIC #
Alpharetta GA 30005 INSURER A : Frankenmuth Insurance Company 13986
INSURED INSURER B :
Bo Phillips Company INSURER C :
3430 Lawrenceville Hwy INSURER D :
INSURER E :
Tucker GA 30084-5801 INSURER F :
COVERAGES CERTIFICATE NUMBER: CL2553038944 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 ADDL SUBR POLICY EFF POLICY EXP
LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER (MM/DD/YYYY) (MM/DD/YYYY) LIMITS
COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000
DAMAGE TO RENTED 1,000,000
CLAIMS-MADE OCCUR PREMISES (Ea occurrence) $
MED EXP (Any one person) $ 10,000
A Y 6739879 05/31/2025 05/31/2026 PERSONAL & ADV INJURY $ 1,000,000
GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000
PRO- 2,000,000
POLICY JECT LOC PRODUCTS - COMP/OP AGG $
OTHER: $
AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ 1,000,000
(Ea accident)
ANY AUTO BODILY INJURY (Per person) $
A OWNED SCHEDULED 6739878 05/31/2025 05/31/2026 BODILY INJURY (Per accident) $
AUTOS ONLY AUTOS
HIRED NON-OWNED PROPERTY DAMAGE $
AUTOS ONLY AUTOS ONLY (Per accident)
$
UMBRELLA LIAB OCCUR EACH OCCURRENCE $ 2,000,000
A EXCESS LIAB CLAIMS-MADE 6739879 05/31/2025 05/31/2026 AGGREGATE $ 2,000,000
DED RETENTION $ 10,000 $
WORKERS COMPENSATION PER OTH-
AND EMPLOYERS' LIABILITY STATUTE ER
Y/N
ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT $ 1,000,000
A OFFICER/MEMBER EXCLUDED? N N/A 6739884 05/31/2025 05/31/2026
(Mandatory in NH) E.L. DISEASE - EA EMPLOYEE $ 1,000,000
If yes, describe under
DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ 1,000,000
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
Certificate Holder includes DeKalb County School District and The DeKalb County Board of Education
CERTIFICATE HOLDER CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
Dekalb County School District ACCORDANCE WITH THE POLICY PROVISIONS.
1701 Mountain Industrial Blvd.
AUTHORIZED REPRESENTATIVE
Stone Mountain GA 30083
© 1988-2015 ACORD CORPORATION. All rights reserved.
ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD
Policy No. 6739879 Agent No. 0100164
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DIAMOND LIABILITY PREMIER
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SECTION 1 - ADDITIONAL INSURED COVERAGES This coverage does not increase the applicable
Limits of Insurance shown in the Declarations.
This endorsement is subject to the provisions
F. The insurance coverage provided by this
applying to the Commercial General Liability
endorsement is limited to:
Coverage form, except as described below.
1. Broad Form Vendors
A. Section II – Who Is An Insured is amended to a. Any vendor, but only with respect to
include any person(s) or organization(s) when you "bodily injury" or "property damage"
and such person(s) or organization(s) have arising out of "your products" which are
agreed in a written contract or written agreement distributed or sold in the regular course of
that such person(s) or organization(s) be added the vendor's business, subject to the
as an additional insured on your policy provided following additional exclusions:
that the written contract or written agreement is: i. "Bodily injury" or "property damage"
1. Executed in writing before the beginning of for which the vendor is obligated to
the policy period or during the policy period pay damages by reason of the
and assumption of liability in a contract or
agreement. This exclusion does not
2. Prior to an “occurrence” or offense which this
apply to liability for damages that the
insurance applies.
vendor would have in the absence of
B. The insurance provided to such additional insured the contract or agreement;
only applies to the extent permitted by law and
ii. Any express warranty unauthorized by
the insurance afforded to such additional insured
you;
will not be broader than that which you are
required by the written contract or written iii. Any physical or chemical change in
agreement to provide for such additional insured. the product made intentionally by the
vendor;
C. This insurance only applies if the person or
organization is not specifically named as an iv. Repackaging, unless unpacked solely
additional insured under any other provision or for the purpose of inspection,
endorsement of this policy. demonstration, testing, or the
substitution of parts under instruction
D. Any insurance provided to any additional insured
from the manufacturer, and then
does not apply to “bodily injury”, “property
repackaged in the original container;
damage”, or “personal and advertising injury”
arising out of their sole negligence or willful v. Any failure to make such inspection,
misconduct or that of their agents, “employees”, adjustments, tests or servicing as the
or any other representative of the additional vendor has agreed to make or
insured. normally undertakes to make in the
usual course of business in
E. With respect to the insurance provided to these
connection with the sale of the
additional insureds, the following is added to
product;
Section III – Limits of Insurance:
vi. Demonstration, installation, servicing
The most we will pay on behalf of the additional
or repair operations, except such
insured is
operations performed as part of the
1. The amount of insurance required by the initial set up at the vendor's premises
contract or agreement; or in connection with the sale of the
2. Available under the applicable Limit of product;
Insurance shown in the Declarations;
whichever is less.
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Policy No. 6739879 Agent No. 0100164
vii. Products which, after distribution or 6. Owners Or Other Interests From Whom
sale by you, have been labeled or Land Has Been Leased but only with respect
relabeled or used as a container, part to liability arising out of the ownership,
or ingredient in anything or substance maintenance or use of that part of the land
by or for the vendor. leased to you.
viii. "Bodily injury" or "property damage" However, this insurance does not apply to:
arising out of the sole negligence of a. any “occurrence” which takes place after
the vendor for its own acts or you cease to lease that land.
omissions or those of its employees or
anyone else acting on its behalf. b. any structural alterations, new
However, this exclusion does not construction or demolition operations
apply to the exceptions contained in performed for, by or on behalf of the
subparagraphs iv or vi; or such additional insured.
inspections, adjustments, test or 7. Any Lessor Of Leased Equipment is any
servicing as the vendor has agreed to person(s) or organization(s) from whom you
make or normally undertakes to make lease equipment. Such person(s) or
in the usual course of business, in organization(s) is an insured only with respect
connection with the distribution or sale to liability for "bodily injury", "property
of the products. damage" or "personal and advertising injury"
ix. This insurance does not apply to any caused, in whole or in part, by your
insured person or organization, from maintenance, operation or use of equipment
whom you have acquired such leased to you by such person(s) or
products, or any ingredient, part or organization(s).
container, entering into, A person's or organization's status as an
accompanying or containing such additional insured under this endorsement
products. ends when their contract or agreement with
2. Any individuals or entities that have you for such leased equipment ends. With
Controlling Interest in your business, but respect to the insurance afforded to these
only with respect to their liability arising out of: additional insureds, this insurance does not
apply to any "occurrence" which takes place
a. Their financial control of you; or after the equipment lease expires.
b. Premises they own, maintain or control 8. Manager Or Lessors Of Premises, but only
while you lease or occupy these with respect to liability arising out of the
premises. This insurance does not apply ownership, maintenance or use of that part of
to structural alterations, new construction the premises leased to you.
and demolition operations by or for that
person or organization. This insurance does not apply to:
3. Any Co-owners Of Insured Premises but a. any "occurrence" which takes place after
only with respect to their liability as co-owner you cease to be a tenant in that premises,
of the premises insured by this policy. or
4. Any Grantor Of Franchise but only with b. for structural alterations, new construction
respect to their liability as grantor of franchise or demolition operations performed by or
to you. on behalf of the person(s) or
organization(s).
5. Any Grantor Of Licenses but only with
respect to their liability as grantor of licenses 9. Mortgagee, Assignee Or Receiver but only
to you. Their status as additional insured with respect to their liability as mortgagee,
ends when: assignee, or receiver and arising out of the
ownership, maintenance or use of the
a. The license granted to you by such premises by you.
person(s) or organization(s) expires; or
This insurance does not apply to structural
b. Your license is terminated or revoked by alterations, new construction and demolition
such person(s) or organization(s) prior to operations performed by or for the additional
the expiration of the license as stipulated insured.
by the contract or agreement.
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Policy No. 6739879 Agent No. 0100164
10. State Or Governmental Agency Or With respect to the insurance afforded to these
Subdivision Or Political Subdivision additional insureds, the following exclusion
however this insurance applies only with applies:
respect to operations performed by you or on i. This insurance does not apply to “bodily
your behalf for which the state or governmental injury”, “property damage” or “personal and
agency or subdivision has issued a permit or advertising injury” arising out of the
authorization. This insurance does not apply rendering of or the failure to render any
to “bodily injury”, “property damage”, or professional services, including:
“personal and advertising” arising out of
operations performed for the federal (1) The preparing, approving, or failing
government, state or municipality; or “bodily to prepare or approve, maps,
injury” or “property damage” included within drawings, opinions, reports,
the product-completed operations hazard”. surveys, change orders, designs or
specifications; or
11. Architect, Engineer Or Surveyor Engaged
By You but only with respect to liability for (2) Supervisory, inspection or
“bodily injury”, “property damage” or “personal engineering services.
and advertising injury” caused by, in whole or This exclusion applies even if the claims
in part, by your acts or omissions or the acts or against any insured allege negligence or
omissions of those acting on your behalf in other wrongdoing in the supervision,
connection with your premises or in the hiring, employment, training or monitoring
performance of your ongoing operations. of others by that insured, if the
This insurance does not apply to “bodily "occurrence" which caused the "bodily
injury”, “property damage” arising out of the injury" or "property damage", or the
rendering or the failure to render any offense which caused the "personal and
professional services by or for you; including: advertising injury", involved the rendering
of or the failure to render any professional
a. The preparing, approving, or failing to services.
prepare or approve, maps, shop drawings,
opinions, reports, surveys, field orders, 13. Concessionaires trading under your name,
change orders or drawings and but only with respect to their liability as a
specifications; or concessionaire trading under your name.
b. Supervisory, inspection, architectural or G. Primary and Noncontributory Insurance
engineering activities. The following is added to the Other Insurance
This exclusion applies even if the claims Condition and supersedes any provision to the
against the insured allege negligence or other contrary:
wrongdoing in the supervision, hiring, This insurance is primary to and will not seek
employment training, or monitoring of others contribution from any other insurance available to
by this additional insured, if the “occurrence” an additional insured under your policy provided
which caused the “bodily injury” or “property that:
damage’ involved the rendering or the failure
1. the additional insured is a Named Insured
to render any professional services by or for
under such other insurance, and you have
you.
agreed in writing in a contract or agreement
12. Architect, Engineer Or Surveyor Not that this insurance would be primary; and
Engaged By You but only with respect to
2. would not seek contribution from any other
liability for “bodily injury”, “property damage” or
insurance available to the additional insured.
“personal and advertising injury” caused by, in
whole or in part, by H. Waiver Of Transfer Of Rights Of Recovery
Against Others To Us
a. your acts or omissions; or
The following is added to Paragraph 8. Transfer
b. the acts or omissions of those acting on
of Rights of Recovery Against Others To Us of
your behalf in the performance of your
Section IV – Conditions:
ongoing operations performed by you or
on your behalf. Such architects, We waive any right of recovery we may have
engineers or surveyors, while not engaged against any person or organization because of
by you, are contractually required to be payments we make for injury or damage arising
added as an additional insured to your out of your ongoing operations or “your work”
policy. included in the “products-completed operations
hazard” when you have assumed liability for such
injury or damage under an “insured contract”.
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Policy No. 6739879 Agent No. 0100164
SECTION 2 - COVERAGE EXTENSIONS 3. Paragraphs 1. and 2. above do not apply if
Coverage B. Personal and Advertising
This endorsement is subject to the provisions Injury Liability is excluded either by the
applying to the Commercial General Liability provision of the Commercial General Liability
Coverage Form, except as described below. Coverage form or by endorsement.
C. AMENDMENT - AGGREGATE LIMITS OF
A. BODILY INJURY – EXPANDED DEFINITION
INSURANCE
ENDORSEMENT
The General Aggregate Limit under Section III –
Under Section V – Definitions, the definition of
Limits Of Insurance applies separately to each of
bodily injury is deleted and replaced by the your:
following:
1. Projects away from premises owned by or
Bodily injury means physical injury, sickness or rented to you; and
disease sustained by a person, including death,
humiliation, shock, mental anguish or mental 2. "Locations" owned by or rented to you.
injury sustained by that person at any time which "Location" means premises involving the
results as a consequence of the physical injury, same or connecting lots, or premises whose
sickness or disease. connection is interrupted only by a street,
roadway, waterway or right-of-way of a
B. PERSONAL AND ADVERTISING INJURY –
railroad.
BROADENED
D. BORROWED EQUIPMENT
1. Paragraph 14.b. of Section V -- Definitions
is replaced by the following: 1. Exclusion j. Damage to Property of Section I
– Coverage A Bodily Injury And Property
b. Malicious prosecution or abuse of Damage Liability is amended as follows:
process
Paragraph (4) of this exclusion does not apply
2. Definition 14 of Section V -- Definitions is to "property damage" to borrowed equipment
amended by the addition of the following: while not being used to perform operations at
h. Wrongful discrimination or humiliation that the job site for damage by aircraft; civil
results in injury to the feelings or commotion; explosion; falling objects; fire;
reputation of a natural person, but only if hail; leakage from fire extinguishing
equipment; lightning; riot; sinkhole collapse;
such discrimination or humiliation is:
smoke; sonic boom; vandalism; vehicles;
(1) Not the result of acts, policy or volcanic action; water damage; weight of ice,
procedures, or omissions of: snow or sleet; and windstorm.
a) The insured; 2. This insurance is excess over any other valid
and collectible property insurance (including
b) Any executive officer, director, any deductible portion thereof) available to
stockholder, partner or member the insured whether primary, excess,
of the insured; or contingent or on any other basis.
c) anyone acting at the direction of E. DUTIES IN THE EVENT OF OCCURRENCE,
anyone listed in (a) and (b) above CLAIM OR SUIT
done with the intent or the
reasonable expectation that such Section IV – Commercial General Liability
Conditions is changed by the following:
acts or omissions will result in
wrongful discrimination or 1. The requirement in condition 2.a. of that you
humiliation to another person; must see to it that we are notified of an
and “occurrence” applies only when the
“occurrence” is known to:
(2) Not directly or indirectly related to
employment related practices, or the a. You, if you are an individual;
prospective employment or b. A partner, if you are a partnership; or
termination of employment or c. An executive officer or insurance manager
demotion of any personal or if you are a corporation.
person(s) by an insured.
(3) Not arising out of any “advertisement”
by you.
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Policy No. 6739879 Agent No. 0100164
2. The requirement in condition 2.b. that you c. The Damage to Premises Rented to You
must see to it that we receive notice of a limit in paragraph 6. of Section III - Limits
claim or “suit” will not be considered breached of Insurance is replaced by a new
unless the breach occurs after such claim or Damage to Premises Rented to You and
“suit” is know to: Fire, Lightning, Explosion, Smoke and
Leakage from Fire Protective Systems
a. You, if you are an individual; Damage Limit, which will be subject to all
b. A partner, if you are a partnership; or of the terms of Section III - Limits of
Insurance.
c. An executive officer or insurance manager
if you are a corporation. 3. This new Damage Limit is amount shown in
the Declarations for the Damage to Premises
F. UNINTENTIONAL FAILURE TO DISCLOSE Rented to You Limit and is the most we will
HAZARDS pay, subject to paragraph 5 of Section III
Section IV – Commercial General Liability Limits of Insurance, under Coverage A for
Conditions paragraph 6. Representations is damages because of "property damage" to
changed to add the following: any one premises, while rented to you or, in
the case of damage by fire, lightning,
If you unintentionally fail to disclose any hazards
explosion, smoke and leakage from fire
existing at the inception date of your policy, we
protective systems, while rented to you or
will not deny coverage under the Coverage Form
temporarily occupied by you with permission
solely because of such failure. However, this
of the owner.
provision does not affect our right to collect
additional premium or exercise our right of 4. Paragraph 9.a. of the definition of "insured
cancellation or non-renewal. contract" in Section V – Definitions is
replaced by the following:
This provision does not apply to any known injury
or damage which is excluded under any other a. A contract for a lease of premises.
provision of this policy. However, that portion of the contract for a
lease of premises that indemnifies any
G. DAMAGE TO PREMISES RENTED TO YOU - person or organization for damage by fire,
EXPANDED COVERAGE lightning, explosion, smoke and leakage
1. The last paragraph of Paragraph 2., from fire protective systems or
Exclusions of Section I – Coverage A – subsequent damages resulting from such
Bodily Injury And Property Damage fire, lightning, explosion, smoke and
Liability is replaced by the following: leakage from fire protective systems while
rented to you or temporarily occupied by
Exclusions c. through n. do not apply to
you with permission of the owner is not
damage by fire, lightning, explosion, smoke or
an "insured contract";
subsequent damages resulting from such fire,
lightning, explosion, smoke or leakage from H. HEALTH CARE SERVICES
fire protective systems to premises rented to
1. The definition of "bodily injury" in Section V -
you or temporarily occupied by you with
Definitions is amended to include injury
permission of the owner. The insurance
arising out of the rendering or failure to render
provided by this paragraph is subject to the
medical or paramedical services to persons
Limit displayed in the Declarations. This limit
by any physician, dentist, nurse, emergency
will apply to all damage proximately caused
medical technician or paramedic who is
by the same event, whether such damage
employed by you to provide such services.
results from fire, lightning, explosion, smoke
or leakage from fire protective systems or any 2. Section II - Who Is An Insured, paragraph
combination of the five. 2.a.(1)(d) does not apply to nurses,
emergency medical technicians or
2. The word fire is changed to fire, lightning,
paramedics referred to in a. above.
explosion, smoke and leakage from fire
protective systems where it appears in: 3. Section I – Coverage A Bodily Injury and
Property Damage Liability Exclusion e.
a. the Limits of Insurance section of the
Employer’s Liability Paragraph (1) does not
declarations of the Commercial General
apply to injury to the emotions or reputation of
Liability Coverage form; and
a person arising out of the rendering of such
b. Paragraph 6. of Section III - Limits of services.
Insurance; and
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Policy No. 6739879 Agent No. 0100164
4. Health Care Services coverage does not N. LIBERALIZATION PROVISION
apply if you are engaged in the business or
occupation of providing any of the services The following condition is added to Section IV –
referred to in 1. above. Commercial General Liability Conditions:
If we adopt any revision that would broaden the
I. MEDICAL PAYMENTS coverage under this policy without additional
1. In Paragraph a.(3)(b) of the insuring premium within 45 days prior to or during the
agreement of Coverage C – Medical policy period, the broadened coverage will apply
Payments (Section I – Coverage), one year immediately to this policy.
is changed to three years.
2. Paragraph 2.a., Exclusions, of Coverage C
SECTION 3 - ADDITIONAL COVERAGES
(Section I) is replaced by the following:
We will not pay expenses for “bodily injury”: A. VOLUNTARY PROPERTY DAMAGE EXPENSE
a. To any insured, except volunteer workers COVERAGE
who are not paid a fee, salary or other
1. Insuring Agreement
compensation.
a. We will reimburse you for "property
3. The Medical Expense Limit in Paragraph 7. of damage" claims directly arising from
Section III – Limits of Insurance is replaced
"your work" for a "client".
by a new Medical Expense Limit, which will
be subject to all the terms of Section III – The amount of such reimbursement is
Limits of Insurance. The new Medical limited as described in the Limits Of
Expense Limit is an additional $10,000 in Insurance section. No other obligation or
excess of Medical Expense Limit provided by liability to pay sums or perform acts or
the Coverage Part. services is covered.
J. MOBILE EQUIPMENT b. This insurance applies only if:
Under the Section V - Definitions, Paragraph (1) "Your work" was performed by you
f.(1)(a), (b) and (c) of Mobile Equipment does not or an "employee" and was done with
apply to self-propelled vehicles of less than 1,000 the express knowledge of the
pounds gross vehicle weight. insured;
(2) "Your work" was performed during
K. NEWLY FORMED OR ACQUIRED
the policy period;
ORGANIZATION
(3) You reasonably determine, and “we”
1. In paragraph 4.a. of Section II -- Who Is An agree, that payment in the amount
Insured, 90th day is changed to 180th day. of the "property damage" to the
2. This provision does not apply if coverage for "client" for "your work" is necessary;
newly formed or acquired organizations is (4) You have received a notarized
excluded either by the provision of the notification of a demand for
Commercial General Liability Coverage Form remuneration from the "client" by
or by an applicable endorsement. mail within 90 days after the work
L. EXTENDED NON-OWNED WATERCRAFT was performed.
Paragraph (2) of Exclusion g. of Section I – c. This insurance only applies to “property
Coverage A Bodily Injury And Property damage” while “your work” is being
Damage Liability is deleted and replaced with performed.
the following: d. We shall have no duty nor obligation to
A watercraft you do not own that is less than 76 defend the insured or perform acts or
feet long and not being used by you to carry services.
persons or property for a charge. 2. Exclusions
M. SUPPLEMENTARY PAYMENTS This insurance does not apply to:
In the Supplementary Payments – Coverages A a. "Your work" performed at any location
and B provision: owned by, rented or leased to the
insured;
1. The limit for cost of bail bonds is increased
from $250 to $5,000. b. Work performed by a subcontractor; or
2. The limit for loss of earnings is increased from c. Property damage (other than “your work”)
$250 a day to $1,000 a day. excluded under Bodily Injury And
Property Damage Liability in the
Coverages section.
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Policy No. 6739879 Agent No. 0100164
3. The following is added to the Section III – 1. Insuring Agreement
Limits of Insurance: a. We will reimburse you for "product
The most we will reimburse you for the sum of withdrawal expenses" incurred by you
all damages covered under the Voluntary because of a "product withdrawal" to
Property Damage Expense Coverage which this insurance applies.
because of "your work" is displayed in the The amount of such reimbursement is
Schedule of this endorsement. The Annual limited as described in paragraph 3. Limit
Aggregate Limit starts with the beginning of Of Insurance. No other obligation or
the policy period shown in the Declarations. liability to pay sums or perform acts or
This coverage is excess if there is any other services is covered.
Voluntary Property Damage Expense
Coverage attached to this policy by b. This insurance applies to a "product
endorsement. withdrawal" only if the "product
withdrawal" is initiated in the “coverage
4. The following condition replaces the territory" during the policy period
Duties In The Event Of Occurrence, because:
Offense, Claim Or Suit Condition (Section
IV – Commercial General Liability i. You determine that the "product
Conditions) for the Voluntary Property withdrawal" is necessary; or
Damage Expense Coverage: ii. An authorized government entity has
You must notify us as soon as possible of the ordered you to conduct a "product
notification from your "client" of a demand for withdrawal".
remuneration for "property damage" resulting c. We will reimburse "product withdrawal
from "your work". The notice should include: expenses" only if:
a. A notarized letter from the "client" of the i. The expenses are incurred within one
work deemed necessary to be changed; year of the date the "product
b. The names and addresses of the affected withdrawal" was initiated;
"clients" ii. The expenses are reported to us
c. A written description by you of how, when within one year of the date the
and where the event occurred; and expenses were incurred.
d. A cancelled check or money order d. The initiation of a "product withdrawal"
written to the "client". will be deemed to have been made only
at the earliest of the following times:
“You” must submit to examination under oath
in matters connected with the loss as often as i. When you first announced, in any
“we” reasonably request and give “us” sworn manner, to the general public, your
statements of the answers. If more than one vendors or to your employees (other
person is examined, “we” have the right to than those employees directly
examine and receive statements separately involved in making the determination)
and not in the presences of others. your decision to conduct or
participate in a "product withdrawal".
At our request, give us complete inventories This applies regardless of whether
of the damaged and undamaged property. the determination to conduct a
Include quantities, costs, values and amount "product withdrawal" is made by you
of the loss claimed. You are required to or is requested by a third party; or
cooperate with us in the review of the
reimbursement. ii. When you first received, either orally
or in writing, notification of an order
5. Definition: "Client" means an individual, from an authorized government entity
company or organization with whom you have to conduct a "product withdrawal".
a written contract or work order for your
services for a described premise and have e. "Product withdrawal expenses" incurred
billed for your service. to withdraw "your products" which contain
the same or substantially similar "defects"
B. LIMITED PRODUCT WITHDRAWAL EXPENSE will be deemed to have arisen out of the
COVERAGE same "product withdrawal".
This coverage is subject to the provisions f. With respect to products of which "your
applying to the Commercial General Liability product" is a component part, we will only
Coverage Form, except as provided below. reimburse you the amount to replace,
repair or repurchase "your product".
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Policy No. 6739879 Agent No. 0100164
2. Exclusions i. Banned from the market by an
authorized government entity prior to
This insurance does not apply to "product the policy period; or
withdrawal expenses" arising out of:
ii. Distributed or sold by you subsequent
a. Breach Of Warranty And Failure To to any governmental ban.
Conform To Intended Purpose
h. Defense Of Claim
Any "product withdrawal" initiated due to
the failure of "your products" to The defense of a claim or "suit" against
accomplish their intended purpose, you for liability arising out of a "product
including any breach of warranty of withdrawal".
fitness, whether written or implied. This i. Third-party Damages, Fines And
exclusion does not apply if such failure Penalties
has caused or is reasonably expected to Any compensatory damages, fines,
cause "bodily injury" or physical damage penalties, punitive or exemplary or other
to tangible property other than "your non-compensatory damages imposed
product". upon the insured.
b. Infringement Of Copyright, Patent, j. Pollution-related Expenses
Trade Secret, Trade Dress Or
Trademark Any loss, cost or expense due to any:
Any "product withdrawal" initiated due to i. Request, demand, order, statutory or
copyright, patent, trade secret, trade regulatory requirement that any
dress or trademark infringements. insured or others test for, monitor,
clean up, remove, contain, treat,
c. Deterioration, Decomposition Or detoxify or neutralize, or in any way
Chemical Transformation respond to, or assess the effects of,
Any "product withdrawal" initiated due to "pollutants"; or
the transformation of a chemical nature, ii. Claim or suit by or on behalf of a
deterioration or decomposition of "your governmental authority for damages
product". This exclusion does not apply if because of testing for, monitoring,
it is caused by: cleaning up, removing, containing,
i. An error in manufacturing, design, or treating, detoxifying or neutralizing, or
processing; in any way responding to, or
ii. Transportation of "your product"; or assessing the effects of, "pollutants".
iii. "Product tampering". 3. Limit of Insurance
d. Goodwill, Market Share, Revenue, a. The Aggregate Limit of Insurance shown
Profit Or Redesign in the Schedule of Limits and the rules
below fix the most we will pay regardless
The costs of regaining goodwill, market of the number of:
share, revenue or "profit" or the costs of
redesigning "your product". i. Insureds;
e. Expiration Of Shelf Life ii. "Product withdrawals" initiated;
Any "product withdrawal" initiated due to iii. Number of "your products" withdrawn;
expiration of the designated shelf life of b. Deductible And Participation
"your product". Percentage Provisions
f. Known Defect i. Deductible
A "product withdrawal" initiated due to a We will only pay for the amount of:
"defect" in "your product" known to exist (1) "Product withdrawal
by the Named Insured or the Named expenses" which are in
Insured's "executive officers", prior to the excess of the deductible
date when this Limited Product amount, shown in the
Withdrawal Expense Coverage was first Schedule of Limits of this
issued to you or prior to the time "your endorsement. The deductible
product" leaves your control or applies separately to each
possession. "product withdrawal". The
g. Governmental Ban limits of insurance will not be
A recall when "your product" or a reduced by the amount of this
component contained within "your deductible.
product" has been:
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Policy No. 6739879 Agent No. 0100164
(2) We may, or will if required by ii. If a "product withdrawal" is initiated,
law, pay all or any part of any you must:
deductible amount, if (1) Immediately record the
applicable. Upon notice of our specifics of the "product
payment of a deductible withdrawal" and the date it
amount, you shall promptly was initiated; and
reimburse us for the part of
the deductible amount we (2) Notify us as soon as
paid. practicable. You must see to it
that we receive written notice
ii. Participation Percentage of the "product withdrawal" as
You agree to participate in the soon as practicable.
payment of "product withdrawal iii. You must promptly take all
expenses" which are in excess of the reasonable steps to mitigate the
deductible, to the extent of the expenses associated with a "product
Participation Percentage indicated in withdrawal". Any "profit" that you
the Schedule of Limits of this receive from mitigating the expenses
endorsement. The Participation will be deducted from the amount of
Percentage applies separately to reimbursement that you will receive
each "product withdrawal". You also for "product withdrawal expenses".
agree that the cost of your
participation in the loss will be borne iv. You and any other involved insured
entirely by you when due and you must:
will not obtain insurance to cover it (1) Immediately send us copies of
The Limit of Insurance of this pertinent correspondence
Coverage applies separately to each received in connection with
consecutive annual period and to the “product withdrawal”;
any remaining period of less than 12
(2) Authorize us to obtain records
months, starting with the beginning
and other information; and
of the policy period shown in the
Declarations. (3) Cooperate with us in our
investigation of the “property
4. Product Withdrawal Conditions
withdrawal”.
a. Duties In The Event Of A Product
b. Concealment Or Fraud
Withdrawal
We will not provide coverage for “product
i. You must see to it that we are notified
withdrawal expense” to you, or any other
as soon as practicable of any actual,
insured, who at any time:
suspected or threatened "defect" in
"your product", or any governmental i. Engaged in fraudulent conduct; or
investigation, that may result in a ii. Intentionally concealed or
"product withdrawal" or a claim. To misrepresented a material fact
the extent possible, notice should concerning a "product withdrawal" or
include: "product withdrawal expenses"
(1) How, when and where the incurred by you.
"defect" was discovered; c. Other Insurance
(2) The names and addresses of This coverage is excess if there is any
any injured persons and other Limited Product Withdrawal
witnesses; and Expense Coverage attached to this policy
(3) The nature, location and by endorsement.
circumstances of any injury or 5. The following definitions are added to
damage arising out of use or Section V - Definition:
consumption of "your
product". a. "Coverage territory" means anywhere in
the world with the exception of any
country or jurisdiction which is subject to
trade or other economic sanction or
embargo by the United States of America.
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Policy No. 6739879 Agent No. 0100164
b. "Defect" means a defect, deficiency or e. "Product withdrawal expenses" means
inadequacy that creates a dangerous those reasonable and necessary extra
condition. expenses, listed below, paid and directly
c. "Product tampering" is an act of related to a "product withdrawal":
intentional alteration of "your product" i. Cost of replacing "your product",
which has caused or is reasonably repairing the "defect" in "your
expected to cause "bodily injury" or product" or repurchasing "your
physical injury to tangible property other product" for your initial purchase
than "your product". When "product price, whichever is less;
tampering" is known, suspected or ii. Costs of notification;
threatened, a "product withdrawal" will be
limited to those batches of "your product" iii. Costs of stationery, envelopes,
which are known or suspected to have production of announcements and
been tampered with. For the purposes of postage or facsimiles;
this insurance, electronic data is not iv. Costs of overtime paid to regular non-
tangible property. salaried employees and costs
For the purposes of this insurance, electronic incurred by such employees,
data is not tangible property. including costs of transportation and
accommodations;
"Electronic data" means information, facts or
programs stored as or on, created or used on, v. Costs of computer time;
or transmitted to or from computer software, vi. Costs of hiring independent
hard or floppy disks, CD- ROMs, tapes, contractors and other temporary
drives, cells, data processing devices or any employees;
other media which are used with electronically vii. Costs of transportation, shipping or
controlled equipment. packaging;
d. "Product withdrawal" means the recall or viii. Costs of warehouse or storage
withdrawal: space; or
i. From the market; or ix. Costs of proper disposal of "your
ii. From use by any other person or products", or products that contain
organization; of "your products", or "your products", that cannot be
products which contain "your reused, not exceeding your initial
products", because of known or purchase price or your cost to
suspected "defects" in "your product", produce the products.
or known or suspected "product f. "Profit" means the positive gain from
tampering", which has caused or is business operation after subtracting for all
reasonably expected to cause "bodily expenses.
injury" or physical injury to tangible
property other than "your product". g. "Your product" means:
For the purposes of this insurance, i. Any goods or products, other than
electronic data is not tangible real property, manufactured, sold,
property. handled, distributed or disposed of
by:
"Electronic data" means information,
facts or programs stored as or on, (1) You;
created or used on, or transmitted to (2) Others trading under your
or from computer software, hard or name; or
floppy disks, CD- ROMs, tapes,
drives, cells, data processing devices (3) A person or organization
or any other media which are used whose business or assets you
with electronically controlled have acquired; and
equipment. ii. Containers (other than vehicles),
materials, parts or equipment
furnished in connection with such
goods or products.
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Policy No. 6739879 Agent No. 0100164
C. EMPLOYEE BENEFITS LIABILITY COVERAGE d. Insufficiency Of Funds
This endorsement is subject to the provisions Damages arising out of an insufficiency of
applying to the Commercial General Liability funds to meet any obligations under any
Coverage Form, except as provided below. plan included in the "employee benefit
1. Insuring Agreement program".
a. We will pay those sums that the insured e. Inadequacy Of Performance Of
becomes legally obligated to pay as Investment/Advice Given With Respect
damages because of any act, error or To Participation
omission, of the insured, or of any other Any "claim" based upon:
person for whose acts the insured is
legally liable, to which this insurance i. Failure of any investment to perform;
applies. We will have the right and duty to ii. Errors in providing information on
defend the insured against any "suit" past performance of investment
seeking those damages. However, we will vehicles; or
have no duty to defend the insured iii. Advice given to any person with
against any "suit" seeking damages to respect to that person's decision to
which this insurance does not apply. We participate or not to participate in any
may, at our discretion, investigate any plan included in the "employee
report of an act, error or omission and benefit program".
settle any "claim" or "suit" that may result.
But: f. Workers' Compensation And Similar
Laws
i. The amount we will pay for damages
is limited as described in Paragraph Any "claim" arising out of your failure to
5. (Section III – Limits Of comply with the mandatory provisions of
Insurance); and any workers' compensation,
unemployment compensation insurance,
ii. Our right and duty to defend ends social security or disability benefits law or
when we have used up the applicable any similar law.
limit of insurance in the payment of
judgments or settlements. No other g. ERISA
obligation or liability to pay sums or Damages for which any insured is liable
perform acts or services is covered because of liability imposed on a fiduciary
unless explicitly provided for under by the Employee Retirement Income
Supplementary Payments. Security Act of 1974, as now or hereafter
b. This insurance applies to damages only if amended, or by any similar federal, state
the act, error or omission, is negligently or local laws.
committed in the "administration" of your h. Available Benefits
"employee benefit program"; Any "claim" for benefits to the extent that
2. Exclusions such benefits are available, with
This insurance does not apply to: reasonable effort and cooperation of the
insured, from the applicable funds
a. Dishonest, Fraudulent, Criminal Or accrued or other collectible insurance.
Malicious Act
i. Taxes, Fines Or Penalties
Damages arising out of any intentional,
dishonest, fraudulent, criminal or Taxes, fines or penalties, including those
malicious act, error or omission, imposed under the Internal Revenue
committed by any insured, including the Code or any similar state or local law.
willful or reckless violation of any statute. j. Employment-Related Practices
b. Bodily Injury, Property Damage, Or Damages arising out of wrongful
Personal And Advertising Injury termination of employment,
"Bodily injury", "property damage" or discrimination, or other employment-
"personal and advertising injury". related practices.
c. 3rd Party Failure To Perform A 3. For the purposes of the coverage provided by
Contract this endorsement all references to
Supplementary Payments – Coverages A and
Damages arising out of failure of B are replaced by Supplementary Payments –
performance of contract by any insurer. Coverages A, B and Employee Benefits
Liability.
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Policy No. 6739879 Agent No. 0100164
4. For the purposes of the coverage provided by c. Subject to the Aggregate Limit, the Each
this endorsement, Paragraphs 2. and 3. of Employee Limit is the most we will pay for
Section II – Who Is An Insured are replaced all damages sustained by any one
by the following: "employee", including damages sustained
a. Each of the following is also an insured: by such "employee's" dependents and
beneficiaries, as a result of:
i. Each of your "employees" who is or
was authorized to administer your i. An act, error or omission; or
"employee benefit program". ii. A series of related acts, errors or
ii. Any persons, organizations or omissions negligently committed in
"employees" having proper temporary the "administration" of your
authorization to administer your "employee benefit program".
"employee benefit program" if you However, the amount paid under this
die, but only until your legal endorsement shall not exceed, and
representative is appointed. will be subject to, the limits and
iii. Your legal representative if you die, restrictions that apply to the payment
but only with respect to duties as of benefits in any plan included in the
such. That representative will have all "employee benefit program". The
your rights and duties under this Limits of Insurance of this
Endorsement. endorsement apply separately to
each consecutive annual period and
b. Any organization you newly acquire or to any remaining period of less than
form, other than a partnership, joint 12 months, starting with the
venture or limited liability company, and beginning of the policy period shown
over which you maintain ownership or in the Declarations of the policy to
majority interest, will qualify as a Named which this endorsement is attached.
Insured if no other similar insurance
applies to that organization. However: 6. Deductible
i. Coverage under this provision is a. Our obligation to pay damages on behalf
afforded only until the 90th day after of the insured applies only to the amount
you acquire or form the organization of damages in excess of the deductible
or the end of the policy period, amount stated in the Schedule as
whichever is earlier. applicable to Each Employee. The limits
of insurance shall not be reduced by the
ii. Coverage under this provision does amount of this deductible.
not apply to any act, error or omission
that was committed before you b. The deductible amount stated in the
acquired or formed the organization. Schedule applies to all damages
sustained by any one "employee",
5. Limits of Insurance including such "employee's" dependents
For the purposes of the coverage provided by and beneficiaries, because of all acts,
this endorsement, Section III – Limits Of errors or omissions to which this
Insurance is replaced by the following: insurance applies.
a. The Limits of Insurance shown in the c. The terms of this insurance, including
Schedule and the rules below is the most those with respect to:
we will pay regardless of the number of: i. Our right and duty to defend any
i. Insureds; "suits" seeking those damages; and
ii. "Claims" made or "suits" brought; ii. Your duties, and the duties of any
other involved insured, in the event of
iii. Persons or organizations making
an act, error or omission, or "claim"
"claims" or bringing "suits";
apply irrespective of the application of
iv. Acts, errors or omissions; or the deductible amount.
v. Benefits included in your "employee d. We may pay any part or all of the
benefit program". deductible amount to effect settlement of
b. The Aggregate Limit is the most we will any "claim" or "suit" and, upon notification
pay for all damages because of acts, of the action taken, you shall promptly
errors or omissions negligently committed reimburse us for such part of the
in the "administration" of your "employee deductible amount as we have paid.
benefit program".
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Policy No. 6739879 Agent No. 0100164
7. For the purposes of the coverage provided by b. Other Insurance
this endorsement, Conditions 2. and 4. of
Section IV – Commercial General Liability This coverage is excess if there is any
Conditions are replaced by the following: other Employee Benefit Liability attached
to this policy by endorsement.
a. Duties In The Event Of An Act, Error
Or Omission, Or "Claim" Or "Suit" 8. For the purposes of the coverage provided by
this endorsement, the following definitions are
i. You must see to it that we are notified added to the Section V - Definitions:
as soon as practicable of an act, error
or omission which may result in a a. "Administration" means:
"claim". To the extent possible, notice i. Providing information to "employees",
should include: including their dependents and
(1) What the act, error or beneficiaries, with respect to eligibility
omission was and when it for or scope of "employee benefit
occurred; and programs";
(2) The names and addresses of ii. Handling records in connection with
anyone who may suffer the "employee benefit program"; or
damages as a result of the iii. Effecting, continuing or terminating
act, error or omission. any "employee's" participation in any
ii. If a "claim" is made or "suit" is benefit included in the "employee
brought against any insured, you benefit program". However,
must: "administration" does not include
handling payroll deductions.
(1) Immediately record the
specifics of the "claim" or b. "Cafeteria plans" means plans authorized
"suit" and the date received; by applicable law to allow employees to
and elect to pay for certain benefits with pre-
tax dollars.
(2) Notify us as soon as
practicable. You must see to it c. “Claim" means any demand, or "suit",
that we receive written notice made by an "employee" or an
of the "claim" or "suit" as soon "employee's" dependents and
as practicable. beneficiaries, for damages as the result of
an act, error or omission.
iii. You and any other involved insured
must: d. "Employee benefit program" means a
program providing some or all of the
(1) Immediately send us copies of following benefits to "employees",
any demands, notices, whether provided through a "cafeteria
summonses or legal papers plan" or otherwise:
received in connection with
the "claim" or "suit"; i. Group life insurance, group accident
or health insurance, dental, vision
(2) Authorize us to obtain records and hearing plans, and flexible
and other information; spending accounts, provided that no
(3) Cooperate with us in the one other than an "employee" may
investigation or settlement of subscribe to such benefits and such
the "claim" or defense against benefits are made generally available
the "suit"; and to those "employees" who satisfy the
(4) Assist us, upon our request, in plan's eligibility requirements;
the enforcement of any right ii. Profit sharing plans, employee
against any person or savings plans, employee stock
organization which may be ownership plans, pension plans and
liable to the insured because stock subscription plans, provided
of an act, error or omission to that no one other than an "employee"
which this insurance may also may subscribe to such benefits and
apply. such benefits are made generally
iv. No insured will, except at that available to all "employees" who are
insured's own cost, voluntarily make eligible under the plan for such
a payment, assume any obligation or benefits;
incur any expense without our iii. Unemployment insurance, social
consent. security benefits, workers'
compensation and disability benefits;
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Policy No. 6739879 Agent No. 0100164
iv. Vacation plans, including buy and sell b. Non-owned Auto Liability
programs; leave of absence
programs, including military, The insurance provided under Section I -
maternity, family, and civil leave; Coverage A Bodily Injury and Property
tuition assistance plans; Damage Liability applies to “bodily
transportation and health club injury” or “property damage” arising out of
subsidies. the use of any “non-owned auto” in your
business by any person for the limits
9. For the purposes of the coverage provided by provided in the Schedule of Limits of this
this endorsement, Definitions 5. and 18. in endorsement.
Section V - Definitions Section are replaced
by the following: 2. With respect to the insurance provided by this
endorsement: Subparagraphs c., e., g., h., j.,
a. "Employee" means a person actively k., l., m., and n. of paragraph 2. Exclusions
employed, formerly employed, on leave of of Section I - Coverage A Bodily Injury and
absence or disabled, or retired. Property Damage Liability are deleted in
"Employee" includes a "leased worker". their entirety and the following exclusions are
"Employee" does not include a added:
"temporary worker".
This insurance does not apply to:
b. "Suit" means a civil proceeding in which
damages because of an act, error or a. “Bodily injury”:
omission to which this insurance applies i. To an “employee” of the insured
are alleged. "Suit" includes: arising out of and in the course of
i. An arbitration proceeding in which employment by the insured or
such damages are claimed and to performing the duties related to the
which the insured must submit or conduct of the insured business or
does submit with our consent; or ii. To the spouse, child, parent, brother
ii. Any other alternative dispute or sister of that “employee” as a
resolution proceeding in which such consequence of 1.a.(1) above.
damages are claimed and to which This exclusion applies:
the insured submits with our consent.
(1) Whether the insured may be
liable as an employer or in
SECTION 4 – OPTIONAL COVERAGES any other capacity; and
(2) To any obligation to share
If shown as included in the Schedule of Coverages, damages with or repay
the following Optional Coverage may also apply. someone else who must pay
These coverages are subject to the terms, exclusions damages because of injury.
and conditions applicable to the Commercial General
Liability Coverage and this endorsement. This exclusion does not apply to:
(1) Liability assumed by the insured
A. HIRED AND NON-OWNED AUTO LIABILITY under an “insured contract”; or
COVERAGE (2) “Bodily injury” arising out of and
in the course of domestic
1. Insurance is provided only for these
employment by the insured
coverages, but only if you do not have any
unless benefits for such injury
other insurance available to you which affords
are in whole or in part either
the same or similar coverage.
payable or required to be
a. Hired Auto Liability provided under any workers’
The insurance provided under Section I – compensation law.
Coverage A Bodily Injury and Property b. “Property damage” to:
Damage Liability applies to “bodily
i. Property owned or being transported
injury” or “property damage” arising out of
by, or rented or loaned to the
the maintenance or use of a “hired auto”
insured; or
by you or your “employees” in the course
of your business for the limits provided in ii. Property in the care, custody or
the Schedule of Limits of this control of the insured.
endorsement.
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Policy No. 6739879 Agent No. 0100164
3. Section II – Who is an Insured is replaced (2) Maintenance or use of a
by the following: “hired auto” by you or your
Each of the following is an insured under this “employee” in the course of
insurance to the extent set forth below. your business; or
a. You; (3) Use of any “non-owned auto”
in your business by any
b. Any other person using a “hired auto” with person other than you.
your permission;
5. Definitions
c. With respect to a “non-owned auto”, any
partner or “executive officer” of yours, any a. The following additional definitions apply:
“employee” of yours; but only while such i. “Auto business” means the business
“non-owned auto” is being used in your or occupation of selling, repairing,
business; and servicing, storing or parking “autos”.
d. Any other person or organization, but only b. Paragraph 9. “Insured contract” is
with respect to their liability because of changed by the addition of the following:
acts or omissions of an insured under a., ii. “Insured contract” means the part of
b., or c. above. any contract or agreement entered
None of the following is an insured: into as part of your business, by you
e. Any person engaged in the business of or any of your employees pertaining
his or her employer with respect to “bodily to the rental or lease of any “auto”.
injury” to any co-“employee” of such iii. Does not include that part of any
person injured in the course of contract or agreement:
employment or to the spouse, child, (1) That pertains to the loan, lease
parent, brother or sister of that co- or rental of an “auto” to you or
“employee” as a consequence of such any of your employees, if the
“bodily injury”, or for any obligation to “auto” is loaned, leased or
share damages with or repay someone rented with a driver; or
else who must pay damages because of
the injury; (2) That holds a person or
organization, engaged in the
f. Any partner or “executive officer” with business of transporting
respect to any “auto” owned by such property by “auto” for hire,
partner or officer or a member of his or harmless for your use of a
her household; covered “auto” over a route or
g. Any person while employed in or territory that that person or
otherwise engaged in duties in organization is authorized to
connection with an “auto business” serve by public authority.
including an “auto business” you operate. a. “Hired auto” means any “auto” you lease,
h. The owner or lessee (of whom you are a hire, rent or borrow. This does not
sublessee) of a “hired auto” or the owner include any “auto” you lease, hire, rent or
of a “non-owned auto” or any agent or borrow from any of your “employees”,
“employee” of any such owner or lessee; partners (if you are a partnership),
i. Any person or organization with respect members (if you are a limited liability
to the conduct of any current or past company) or members of their
partnership or joint venture that is not households.
shown as a Named Insured in the b. “Non-owned auto” means any “auto” you
Declarations. do not own, lease, hire, rent or borrow
4. Section III – Limits of Insurance Paragraph that is used in connection with your
2.b. is replaced by the following: business. This includes any “auto” owned
by your “employees” or partners (if you
a. Damages under Coverage A and are a partnership), members (if you are a
Coverage B, except damages because limited liability company) or members of
of: their households but only while used in
i. Injury and damage included in the your business or your personal affairs.
“products-completed operations
hazard”; or
(1) “Bodily injury” or “property
damage” arising out of the:
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