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22. Transfer of Rights of Recovery Against Others To Us <br /> If the insured has rights to recover all or part of any payment we have made under this policy,those rights are transferred to us. <br /> At our request,the insured will bring suit or transfer those rights to us and help us enforce them. However, if the insured has <br /> waived rights of recovery against any person or organization prior to a loss,we waive any right of recovery we may have under <br /> this policy against such person or organization. <br /> 23. Transfer of Your Rights and Duties Under This Policy <br /> Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an <br /> individual named insured. <br /> If you die,your rights and duties will be transferred to your legal representative but only while acting within the scope of duties <br /> as your legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your <br /> property will have your rights and duties but only with respect to that property. <br /> 24. When We Do Not Renew <br /> If we decide not to renew, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the <br /> nonrenewal not less than sixty(60)days before the expiration date. If notice is mailed,proof of mailing will be sufficient proof of <br /> notice. <br /> SECTION V—DEFINITIONS <br /> 1. Administration means: <br /> a. Providing information to employees,including their dependents and beneficiaries,with respect to eligibility for or the scope <br /> of employee benefit programs; <br /> b. Handling records in connection with the employee benefit program;or <br /> c. Effecting,continuing or terminating any employee's participation in any benefit included in the employee benefit program. <br /> However,administration does not include handling payroll deductions. <br /> 2. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods, <br /> products or services for the purpose of attracting customers or supporters.For the purposes of this definition: <br /> a. Notices that are published include material placed on the Internet or on similar electronic means of communication;and <br /> b. Regarding websites,only that part of a website that is about your goods,products or services for the purposes of attracting <br /> customers or supporters is considered an advertisement. <br /> 3. Auto means: <br /> a. A land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or <br /> equipment;or <br /> b. Any other land vehicle that is subject to a compulsory or financial responsibility law where it is licensed or principally garaged. <br /> However,auto does not include mobile equipment. <br /> 4. Bodily injury means physical injury, sickness, disease, building-related illness, mental anguish, shock or emotional distress, <br /> sustained by any person,including death resulting therefrom.Bodily injury shall also include medical monitoring costs. <br /> S. Boundaries means the area on, under or within the property lines bounding a location (including but not limited to any soil, <br /> groundwater body or surface water body on,under or within such bounded area). <br /> 6. Claim means a written demand,notice or assertion of a legal right alleging liability or responsibility on the part of the insured. <br /> 7. Clean-up costs means reasonable and necessary costs, charges and expenses, including associated legal and claims expense <br /> payments incurred with our prior written consent,incurred to investigate,remove,dispose of,treat,monitor or test soil,surface <br /> water,groundwater or other contaminated media but only: <br /> a. To the extent required by environmental laws governing the liability or responsibilities of the insured to respond to a <br /> pollution incident; <br /> b. In the absence of a.above,to the extent recommended in writing by an environmental professional; <br /> c. To the extent incurred by the government or any political subdivision within Definition 9.a.of coverage territory;or <br /> IE.COV.EPIC.001(05/23) Includes copyrighted material of Insurance Services Offices,Inc.with its permissioi <br /> Rink Maraagtrvtent Division' <br /> REVIEWED&APPROVED BY: <br /> �s-ou,-ri-nr <br /> ®' Risk management Specialist <br />