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HomeMy WebLinkAboutBARK THERAPY DOGS (2) INSURANCE UN FILE WORK MAY PROCEED N-2024-344 UNTIL INSURANCE EXPIRES btf t0/2 . CITY DATE_:LE0�. 4 ZOV AGREEMENT WITH BARK THERAPY DOGS FOR READING ASSISTANCE SERVICES 2024 a:LD to) THIS AGREEMENT is made and entered into on this ALI' day of September, 2024 by and DI11w,4,i) no (KF')between BARK Therapy Dogs, a California nonprofit corporation("Contractor"), and the City of Santa Ana, a charter city and municipal corporation organized and existing under the Constitution and laws of the State of California("City"). RECITALS A. The City desires to retain a contractor having special skill and knowledge in the field of companion therapy dogs to provide reading assistance for Youth Services for the City Library's Read to a Dog Program. B. Contractor represents that Contractor is able and willing to provide such services to the City. C. In undertaking the performance of this Agreement, Contractor represents that it is knowledgeable in its field and that any services performed by Contractor under this Agreement will be performed in compliance with such standards as may reasonably be expected from a professional consulting firm in the field. NOW THEREFORE, in consideration of the mutual and respective promises, and subject to the terms and conditions hereinafter set forth, the parties agree as follows: 1. SCOPE OF SERVICES On dates and times mutually agreed upon by the parties in a signed writing, Contractor shall perform during the term of this Agreement, the tasks and obligations including all labor, materials, tools, equipment, and incidental customary work required to fully and adequately complete the services described and set forth in Scope of Services - Exhibit A, attached hereto and incorporated by reference. 2. COMPENSATION Contractor is providing the services contemplated by this Agreement free of charge as a community service, for the public benefit of providing needed services to students, citizens, and members of the public. The parties acknowledge that the mutual covenants and promises contained herein and other good and valuable consideration are adequate and sufficient to support the Agreement. 3. TERM This Agreement shall commence on November 1, 2024 and continue through December 31, 2025, unless terminated earlier in accordance with Section 14,below. Page 1 of 8 #427905v1 4. INDEPENDENT CONTRACTOR Contractor shall, during the entire term of this Agreement, be construed to be an independent Contractor and not an employee of the City. This Agreement is not intended nor shall it be construed to create an employer-employee relationship, a joint venture relationship, or to allow the City to exercise discretion or control over the professional manner in which Contractor performs the services which are the subject matter of this Agreement; however,the services to be provided by Contractor shall be provided in a manner consistent with all applicable standards and regulations governing such services. Contractor shall pay all salaries and wages, employer's social security taxes, unemployment insurance and similar taxes relating to employees and shall be responsible for all applicable withholding taxes. 5. INSURANCE Contractor shall procure and maintain for the duration of the contract insurance against claims for injuries to persons or damages to property which may arise from or in connection with products and materials supplied to City. Total cost of such insurance shall be borne by Contractor. MINIMUM SCOPE AND LIMIT OF INSURANCE Commercial General Liability: coverage shall be at least as broad as Insurance Services Form CG 00 01 covering CGL on an "occurrence" basis, including products and completed operations, property damage, bodily injury and personal & advertising injury with limits no less than $1,000,000 per occurrence and$2,000,000 aggregate. Animal Liability: in the event Contractor's commercial general liability excludes coverage for dog bites, Contractor is required to procure and maintain an animal liability insurance policy with minimum policy limits of$1,000,000 per occurrence/claim and$2,000,000 aggregate. If Contractor maintains broader coverage and/or higher limits than the minimums shown above, City requires and shall be entitled to the broader coverage and/or the higher limits maintained by Contractor. Any available insurance proceeds in excess of the specified minimum limits of insurance and coverage shall be available to City. Other Insurance Provisions The insurance policies are to contain, or be endorsed to contain, the following provisions: 1. City of Santa Ana,its City Council,its officers,officials,employees,agents, and volunteers are to be covered as additional insureds on the commercial general liability and animal liability policies with respect to liability arising out of work or operations performed by or on behalf of the Contractor including materials,parts, equipment, and personnel furnished in connection with such work or operations. 2. Insurance company agrees to waive all rights of subrogation against City of Santa Ana, its City Council,its officers, officials, employees, agents, and volunteers for losses paid under the terms of any policy which arise from work performed by Instructor for City. Page 2 of 8 #427905v1 3. For any claims related to this contract, Contractor's insurance coverage shall be primary and any insurance maintained by City, its City Council, its officers, officials, employees, agents, or volunteers shall not contribute with it. 4. A severability of interest provision must apply for all the additional insureds, ensuring that Contractor's insurance shall apply separately to each insured against whom a claim is made or suit is brought, except with respect to the insurer's limits of liability. 5. Insurance policy required herein shall provide that coverage shall not be canceled, suspended, voided, reduced in coverage or in limits, non-renewed by the carrier, or materially changed except after thirty(30)days prior written notice has been given to City. Ten(10)days prior written shall be provided to City for policy cancellation or non-renewal due to non-payment. 6. Certificate Holder on each Evidence of Insurance certificate shall be: City of Santa Ana, Attention: Risk Management Division, 20 Civic Center Plaza, Santa Ana, CA 92701. Acceptability of Insurers Insurance is to be placed with insurers authorized to conduct business in the state of California with a current A.M. Best rating of no less than A:VII, unless otherwise acceptable to City. Verification of Coverage Contractor shall furnish City with original Certificates of Insurance including all required amendatory endorsements(or copies of the applicable policy language effecting coverage required by this clause) and a copy of the Declarations and Endorsement Page of the CGL policy listing all policy endorsements to City before work begins. However, failure to obtain the required documents prior to the work beginning shall not waive Contractor's obligation to provide them. City reserves the right to require complete, certified copies of all required insurance policies, including endorsements required by these specifications, at any time. Special Events Coverage Special events coverage is available and can be purchased by Contractor. Use this link to learn more: https://2sparta.com/selip_application.php. Special Risks or Circumstances City reserves the right to modify these requirements at any time, including limits, based on the nature of the risk,prior experience,insurer,coverage,or other special circumstances. City reserves the right to modify or waive insurance requirements for certain low risk recreational activities. 6. INDEMNIFICATION Contractor agrees to defend, and shall indemnify and hold harmless the City, its officers, agents,employees,contractors, special counsel, and representatives from liability: (1)for personal injury,damages,just compensation,restitution,judicial or equitable relief arising out of claims for personal injury, including death, and claims for property damage, which may arise from the negligent operations of the Contractor, its subcontractors, agents, employees, or other persons acting on its behalf which relates to the services described in section 1 of this Agreement; and(2) from any claim that personal injury, damages,just compensation, restitution,judicial or equitable Page 3 of 8 #427905v1 relief is due by reason of the terms of or effects arising from this Agreement. This indemnity and hold harmless agreement applies to all claims for damages,just compensation, restitution,judicial or equitable relief suffered, or alleged to have been suffered,by reason of the events referred to in this Section or by reason of the terms of, or effects, arising from this Agreement. The Contractor further agrees to indemnify, hold harmless, and pay all costs for the defense of the City, including fees and costs for special counsel to be selected by the City, regarding any action by a third party challenging the validity of this Agreement, or asserting that personal injury, damages, just compensation, restitution,judicial or equitable relief due to personal or property rights arises by reason of the terms of, or effects arising from this Agreement. City may make all reasonable decisions with respect to its representation in any legal proceeding.Notwithstanding the foregoing, to the extent Contractor's services are subject to Civil Code Section 2782.8, the above indemnity shall be limited, to the extent required by Civil Code Section 2782.8, to claims that arise out of, pertain to, or relate to the negligence, recklessness, or willful misconduct of the Contractor. 7. INTELLECTUAL PROPERTY INDEMNIFICATION Contractor shall defend and indemnify the City, its officers, agents, representatives, and employees against any and all liability, including costs, for infringement of any United States' letters patent,trademark,or copyright infringement, including costs,contained in the work product or documents provided by Contractor to the City pursuant to this Agreement. 8. RECORDS Contractor shall keep records and invoices in connection with the work to be performed under this Agreement. Contractor shall maintain complete and accurate records with respect to the costs incurred under this Agreement and any services, expenditures, and disbursements charged to the City for a minimum period of three(3) years, or for any longer period required by law, from the date of final payment to Contractor under this Agreement. All such records and invoices shall be clearly identifiable. Contractor shall allow a representative of the City to examine, audit, and make transcripts or copies of such records and any other documents created pursuant to this Agreement during regular business hours. Contractor shall allow inspection of all work, data, documents, proceedings, and activities related to this Agreement for a period of three (3) years from the date of final payment to Contractor under this Agreement. 9. CONFIDENTIALITY If Contractor receives from the City information which due to the nature of such information is reasonably understood to be confidential and/or proprietary, Contractor agrees that it shall not use or disclose such information except in the performance of this Agreement, and further agrees to exercise the same degree of care it uses to protect its own information of like importance, but in no event less than reasonable care. "Confidential Information"shall include all nonpublic information. Confidential information includes not only written information, but also information transferred orally, visually, electronically, or by other means. Confidential information disclosed to either party by any subsidiary and/or agent of the other party is covered by this Agreement. The foregoing obligations of non-use and nondisclosure shall not apply to any information that(a) has been disclosed in publicly available sources; (b)is, through no fault of the Page 4 of 8 #427905v1 Contractor disclosed in a publicly available source; (c) is in rightful possession of the Contractor without an obligation of confidentiality; (d) is required to be disclosed by operation of law; or(e) is independently developed by the Contractor without reference to information disclosed by the City. 10. CONFLICT OF INTEREST CLAUSE Contractor covenants that it presently has no interests and shall not have interests, direct or indirect, which would conflict in any manner with performance of services specified under this Agreement. 11. NON-DISCRIMINATION Contractor shall not discriminate because of race, color,creed, religion, sex, marital status, sexual orientation, gender identity, gender expression, gender, medical conditions, genetic information, or military and veteran status, age, national origin, ancestry, or disability, as defined and prohibited by applicable law, in the recruitment, selection, teaching, training, utilization, promotion, termination or other employment related activities or any services provided under this Agreement. Contractor affirms that it is an equal opportunity employer and shall comply with all applicable federal, state and local laws and regulations. 12. EXCLUSIVITY AND AMENDMENT This Agreement represents the complete and exclusive statement between the City and Contractor, and supersedes any and all other agreements, oral or written, between the parties. In the event of a conflict between the terms of this Agreement and any attachments hereto, the terms of this Agreement shall prevail. This Agreement may not be modified except by written instrument signed by the City and by an authorized representative of Contractor. The parties agree that any terms or conditions of any purchase order or other instrument that are inconsistent with, or in addition to, the terms and conditions hereof, shall not bind or obligate Contractor or the City. Each party to this Agreement acknowledges that no representations, inducements, promises or agreements, orally or otherwise, have been made by any party, or anyone acting on behalf of any party, which is not embodied herein. 13. ASSIGNMENT Inasmuch as this Agreement is intended to secure the specialized services of Contractor, Contractor may not assign, transfer, delegate, or subcontract any interest herein without the prior written consent of the City and any such assignment, transfer, delegation or subcontract without the City's prior written consent shall be considered null and void. Nothing in this Agreement shall be construed to limit the City's ability to have any of the services which are the subject to this Agreement performed by City personnel or by other Contractors retained by City. 14. TERMINATION This Agreement may be terminated by the City upon thirty (30) days written notice of Page 5 of 8 #427905v1 termination. In such event,Contractor shall be entitled to receive and the City shall pay Contractor compensation for all services performed by Contractor prior to receipt of such notice of termination, subject to the following conditions: a. As a condition of such payment, the Executive Director may require Contractor to deliver to the City all work product(s) completed as of such date, and in such case such work product shall be the property of the City unless prohibited by law, and Contractor consents to the City's use thereof for such purposes as the City deems appropriate. b. Payment need not be made for work which fails to meet the standard of performance specified in the Recitals of this Agreement. 15. WAIVER No waiver of breach, failure of any condition, or any right or remedy contained in or granted by the provisions of this Agreement shall be effective unless it is in writing and signed by the party waiving the breach, failure, right or remedy. No waiver of any breach, failure or right, or remedy shall be deemed a waiver of any other breach, failure, right or remedy, whether or not similar, nor shall any waiver constitute a continuing waiver unless the writing so specifies. 16. JURISDICTION - VENUE This Agreement has been executed and delivered in the State of California and the validity, interpretation, performance, and enforcement of any of the clauses of this Agreement shall be determined and governed by the laws of the State of California. Both parties further agree that Orange County,California, shall be the venue for any action or proceeding that may be brought or arise out of, in connection with or by reason of this Agreement. 17. PROFESSIONAL LICENSES Contractor shall, throughout the term of this Agreement, maintain all necessary licenses, permits, approvals,waivers, and exemptions necessary for the provision of the services hereunder and required by the laws and regulations of the United States, the State of California, the City of Santa Ana and all other governmental agencies. Contractor shall notify the City immediately and in writing of its inability to obtain or maintain such permits, licenses, approvals, waivers, and exemptions. Said inability shall be cause for termination of this Agreement. 18. NOTICE Any notice, tender, demand, delivery, or other communication pursuant to this Agreement shall be in writing and shall be deemed to be properly given if delivered in person or mailed by first class or certified mail, postage prepaid, or sent by fax or other telegraphic communication in the manner provided in this Section, to the following persons: Page 6 of 8 #427905v1 To City: City Clerk City of Santa Ana 20 Civic Center Plaza(M-30) P.O. Box 1988 Santa Ana, CA 92702-1988 Fax: 714- 647-6956 With courtesy copies to: Executive Director, Library Services Agency City of Santa Ana 20 Civic Center Plaza(M-75) P.O. Box 1988 Santa Ana, California 92702 To Contractor: BARK Therapy Dogs Attn: Josie Gavieres, BARK Director PO Box 91478 Long Beach, CA 90809-1478 A party may change its address by giving notice in writing to the other party. Thereafter, any communication shall be addressed and transmitted to the new address. If sent by mail, communication shall be effective or deemed to have been given three (3) days after it has been deposited in the United States mail, duly registered or certified, with postage prepaid, and addressed as set forth above. If sent by fax, communication shall be effective or deemed to have been given twenty-four(24) hours after the time set forth on the transmission report issued by the transmitting facsimile machine, addressed as set forth above. For purposes of calculating these time frames, weekends, federal, state, County or City holidays shall be excluded. 19. MISCELLANEOUS PROVISIONS a. Each undersigned represents and warrants that its signature herein below has the power, authority and right to bind their respective parties to each of the terms of this Agreement, and shall indemnify City fully, including reasonable costs and attorney's fees, for any injuries or damages to City in the event that such authority or power is not, in fact, held by the signatory or is withdrawn. b. All Exhibits referenced herein and attached hereto shall be incorporated as if fully set forth in the body of this Agreement. Page 7 of 8 #427905v1 IN WITNESS WHEREOF,the parties hereto have executed this Agreement the date and year first above written. ATTEST: CITY OF SANTA AN E&VIV'. Jennifer L. all ;, Alvaro Nunez Cit - City Manager APPROVED AS TO FORM: SONIA R. CARVALHO CONTRACTOR: City Attorney By:(�`7 "` � /J, �t G �+ CO Josie Gavieres(Oct 1,202415:34 PDT) Andrea Garcia-Miller Josie Gavieres Assistant City Attorney BARK Director RECOMMENDED FOR APPROVAL: Brian Sternberg Executive Director Library Services Agency Page 8 of 8 #427905v1 Exhibit A SCOPE OF SERVICES VOLUNTEER INFORMATION: BARK Therapy Dogs P.O. Box 91478 Long Beach, CA 90809 Phone: (562)235-8835 E-mail: barkreadingdogs(a,aol.com Contact Name: Josie Gavieres, BARK Director EVENT: Santa Ana Public Library-Read to a Dog program LOCATIONS: All Library facilities including but not limited to facilities listed below. • Main Library, 26 Civic Center Plaza, Santa Ana CA 92701 • Newhope Library, 122 Newhope Street, Santa Ana CA 92703 TERM:November 1, 2024—December 31, 2025 COMPENSATION: $0.00 DESCRIPTION: Therapy dog handler and companion therapy dog shall provide reading assistance for the Youth Services section through a Read to a Dog Program at the Santa Ana Public Library. City staff and volunteers from Bark Reading Dogs will coordinate future dates and times when handlers and therapy dogs can provide their services to participate in an educational program. The program will include a volunteer and therapy dog trained to create an environment that is calming and non judgmental for youth who are struggling readers and help make reading fun for the child. This literacy program reduces anxiety associated with reading. The number of volunteers will be considered depending on the popularity and availability of handler/therapy dog pairs. The City will be responsible for setting up the space for the patrons attending, choosing a selection of books and advertising the program. Handler/therapy dog pair(s)will be responsible for providing all other equipment,materials, and supplies necessary to provide the service. City staff will be present at all times during the service. DATE ACORO° CERTIFICATE OF LIABILITY INSURANCE (MM/DD/YYYY) 1 04/01/2024 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER.THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S),AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED,subject to the terms and conditions of the policy,certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT Don Gath Insurance Agency PHON Margeret Vander Ploeg FA 2199 Temple Ave (A/CE-M D 662)48 -67 N 562)985-1349 Signal Hill, CA 9075Angie ADDRI s>: r s License#: 0447779 INSURER(S)AFFORDING COVERAGE NAIC# INSUR' c: i EeA06W40pany 26344 INSURED INSU' cR!' Bark Therapy Dogs INS RERC: P.O. Box 91478 1 n • Long Beach, CA 908 - � e�e uR E: _1 6-3D*nQ — _ IN F: COVERAGES CERTIFICATE NUMBER: 000r16'/-0 REVISION NUMBER: 31 THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOVV HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT,TERM OR CONDITION OF ANY CONTRACTOR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN,THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LT R POLICY NUMBER MM DD YYYY MM/DD YYYY LIMITS A X COMMERCIAL GENERAL LIABILITY Y Y GLP 048216111 04/10/2024 04/10/2026 EACH OCCURRENCE $ 1,000,000 CLAIMS-MADE DAMAGE TO RENTED X OCCUR PREMISES Ea occurrence $ 100,000 MED EXP(Any one person) $ 5,000 PERSONAL&ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 �( POLICY D PRO- JECT LOC PRODUCTS-COMP/OP AGG $ 2,000,000 OTHER: $ AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ Ea accident ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY AUTOS ONLY Per accident UMBRELLA LIAB OCCUR EACH OCCURRENCE $ EXCESS LIAB CLAIMS-MADE AGGREGATE $ DED RETENTION$ $ WORKERS COMPENSATION PER OTH- AND EMPLOYERS'LIABILITY YIN STATUTE ER ANY PROPRIETOR/PARTNER/EXECUTIVE ❑ NIA E.L.EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? (Mandatory in NH) E.L.DISEASE-EA EMPLOYE $ If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES(ACORD 101,Additional Remarks Schedule,may be attached if more space is required) The City of Santa Ana, its officers, officials, employees and volunteers are to be covered as additional insureds on the CGL policy with respect to liability arising out of work or operations performed by or on behalf of the contractor including materials, parts or equipment furnished in connection with such work or operations. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF,NOTICE WILL BE DELIVERED IN City of Santa Ana ACCORDANCE WITH THE POLICY PROVISIONS. 20 Civic Center Plaza Santa Ana, CA 92702 AUTHORIZED REPRESENTATIVE MAV lib 198 015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD Printed by MAV on 04/01/2024 at 03:23PM * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 NOTICE TO POLICYHOLDERS No coverage is provided by this summary nor can it be construed to replace or modify any provision of your policy. You should read your policy and review your Declarations Page for complete information on the coverages you are provided. If there is any conflict between the policy and this Notice to Policyholders, the provisions of the policy shall prevail. This policy contains an exclusion for claims arising from, in whole or in part, the actual, alleged, threatened, or suspected inhalation or ingestion of, exposure to, or contact with "silica" or dust that includes or contains "silica"; and any loss, cost or expense arising out of the abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to or assessing the effects of, "silica" or dust that includes or contains "silica," by any insured or by any other person or entity, as described in the endorsement. For further information, please review the provisions of your policy. SDM-570 (Ed. 02/05) XS * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 IMPORTANT INFORMATION TO POLICYHOLDERS CALIFORNIA TO OBTAIN INFORMATION OR TO MAKE A COMPLAINT In the event you need to contact someone about this Policy for any reason please contact your agent. If you have additional questions, you may contact the insurance company issuing this Policy at the following address and telephone number: Great American Insurance Group Administrative Offices 301 East 4th Street Cincinnati, OH 45202 Or you may call the toll-free telephone number for information or to make a complaint at: 1-800-972-3008 If you have a problem with your insurance company, its agent or representative that has not been resolved to your satisfaction, please call or write to the Department of Insurance. California Department of Insurance Consumer Services Division 300 South Spring Street, South Tower Los Angeles, California 90013 1 -800-927-4357 213-897-8921 (if calling from within the Los Angeles area) 1 -800-482-4833 (TDD Number) Written correspondence is preferable so that a record of your inquiry can be maintained. When contacting your agent, company or the Bureau of Insurance, have your Policy Number available. ATTACH THIS NOTICE TO YOUR POLICY This notice is for information only and does not become a part or condition of the attached document. SDM-705 (Ed. 11/08) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 GENERAL LIABILITY ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION EXCLUSIONS ADVISORY NOTICE TO POLICYHOLDERS This Notice does not form part of your policy. No coverage is provided by this Notice nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the Policy and this Notice, THE PROVISIONS OF THE POLICY SHALL PREVAIL. Carefully read your policy, including the endorsements attached to your policy. Please note that not all the forms listed below may be on your policy. This Notice provides information concerning the following new endorsements, which applies to your renewal policy being issued by us: CG 21 06 05 14 - Exclusion - Access or Disclosure of Confidential or Personal Information and Data- related Liability - With Limited Bodily Injury Exception (For Use With the Commercial General Liability Coverage Part) When this endorsement is attached to your policy: - Under Coverage A - Bodily Injury and Property Damage Liability, coverage is excluded for damages arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of coverage. - Under Coverage B - Personal and Advertising Injury Liability, coverage is excluded for personal and advertising injury arising out of any access to or disclosure of confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person's right of privacy, this may result in a reduction in coverage. CG 21 07 05 14 - Exclusion - Access or Disclosure of Confidential or Personal Information and Data- related Liability - Limited Bodily Injury Exception Not Included (For Use With the Commercial General Liability Coverage Part) When this endorsement is attached to your policy: - Under Coverage A - Bodily Injury and Property Damage Liability, coverage is excluded for damages arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of coverage. However, when this endorsement is attached, it will result in a reduction of coverage due to the deletion of an exception with respect to damages because of bodily injury arising out of loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. - Under Coverage B - Personal and Advertising Injury Liability, coverage is excluded for personal and advertising injury arising out of any access to or disclosure of confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person's right of privacy, this may result in a reduction in coverage. Copyright Insurance Services Office, Inc., 2012 SDM-839 (Ed. 05/14) (Page 1 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 21 08 05 14 - Exclusion - Access or Disclosure of Confidential or Personal Information (Coverage B Only) (For Use With The Commercial General Liability Coverage Part) When this endorsement is attached to your policy, coverage is excluded for personal and advertising injury arising out of any access to or disclosure of confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person's right of privacy, this may result in a reduction in coverage. CG 04 37 - Electronic Data Liability (For Use With the Commercial General Liability Coverage Part) With respect to damages arising out of access or disclosure of confidential or personal information, when this endorsement is attached to your policy: - Under Coverage A - Bodily Injury and Property Damage Liability, coverage is excluded for damages arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of coverage. - Under Coverage B - Personal and Advertising Injury Liability, coverage is excluded for personal and advertising injury arising out of any access to or disclosure of confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person's right of privacy, this may result in a reduction in coverage. CG 33 53 05 14 - Exclusion - Access or Disclosure of Confidential or Personal Information and Data- related Liability - With Limited Bodily Injury Exception (For Use With the Owners and Contractors Protective Liability Coverage Part and Products/Completed Operations Coverage Part) When this endorsement is attached to your policy, coverage is excluded for damages arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of coverage. CG 33 59 05 14 - Exclusion - Access or Disclosure of Confidential or Personal Information and Data- related Liability - Limited Bodily Injury Exception Not Included (For Use With the Owners and Contractors Protective Liability and Products/Completed Operations Liability Coverage Parts) When this endorsement is attached to your policy, coverage is excluded for damages arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of coverage. However, when this endorsement is attached, it will result in a reduction of coverage due to the deletion of an exception with respect to damages because of bodily injury arising out of loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. CG 33 63 - Exclusion - Access, Disclosure or Unauthorized Use of Electronic Data (For Use With the Electronic Data Liability Coverage Part) With respect to damages arising out of access or disclosure of confidential or personal information, when this endorsement is attached to your policy coverage is excluded for damages arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of coverage. However, to the extent that damages arising out of theft or unauthorized viewing, copying, use, corruption, manipulation or deletion, of electronic data by any Named Insured, past or present employee, temporary worker or volunteer worker of the Named Insured may extend beyond loss of electronic data arising out of such theft or the other listed items, this revision may be considered a reduction in coverage. Copyright Insurance Services Office, Inc., 2012 SDM-839 (Ed. 05/14) (Page 2 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 IL 70 01 (Ed. 10/07) Policy No. GLP 0482161 11 Renewal Of GLP 0482161 10 POLICY COMMON DECLARATIONS NAMED INSURED BARK THERAPY DOGS AND ADDRESS: PO BOX 91478 LONG BEACH, CA 90809 1478 IN RETURN FOR PAYMENT OF THE PREMIUM, AGENT'S NAME AND ADDRESS: AND SUBJECT TO ALL TERMS OF THIS POLICY, DON GATH INSURANCE AGENCY WE AGREE WITH YOU TO PROVIDE THE PO BOX 90245 INSURANCE AS STATED IN THIS POLICY. LONG BEACH, CA 90809 0245 Insurance is afforded by the Company named below, a Capital Stock Corporation: GREAT AMERICAN ASSURANCE COMPANY POLICY PERIOD: From 04/10/2024 To 04/10/2025 12:01 A.M. Standard Time at the address of the Named Insured This policy consists of the following Coverage Parts for which a premium is indicated. This premium may be subject to adjustment. Premium Commercial Property Commercial General Liability $ 840.00 Commercial Crime and Fidelity Commercial Inland Marine Commercial Equipment Breakdown Commercial Auto Commercial Umbrella TOTAL $ 840.00 FORMS AND ENDORSEMENTS applicable to POLICY ALTERNATE MAILING ADDRESS: all Coverage Parts and made part of this Policy at time of issue are listed on the attached Forms and Endorsements Schedule IL 88 01(11/85). IL 70 01 (Ed. 10/07) (Page 1 of 1) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 IL 88 01 (Ed. 11/85) FORMS AND ENDORSEMENTS SCHEDULE It is hereby understood and agreed the following forms and endorsements are attached to and are a part of this policy: Date Added or Form and Edition Date Deleted Form Description 1. CG2167 12/04 FUNGI OR BACTERIA EXCLUSION 2. IL0017 11/98 COMMON POLICY CONDITIONS 3. IL0021 09/08 NUCLEAR ENERGY LIABILITY EXCLUSION 4. IL0270 07/20 CA CHANGES-CANCELLATI ON/NON RENEWAL 5. IL7001 10/07 BUSINESSPRO POLICY COMMON DEC 6. IL7069 03/16 EXCLUSION -ASBESTOS 7. IL7268 09/09 IN WITNESS CLAUSE 8. IL7273 08/08 LOSS PREVENTION SERVICES 9. IL7324 07/21 ECONOMIC AND TRADE SANCTIONS CLAUSE 10. IL7368 01/20 TERRORISM PREMIUM DISCLOSURE 11. 5675SHS SHS POLICY COVER PAGE * If not at inception IL 88 01 (Ed. 11/85) (Page 1 of 1) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 IL 73 68 (Ed. 01/20) THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT Schedule Schedule - Part I Terrorism Premium (Certified Acts) $ 0 . 00 This premium is the total Certified Acts premium attributable to the following Coverage Part(s), Coverage Form(s) and/or Policy(ies): GLP 048- 21 - 61 - 11 Additional information, if any, concerning the terrorism premium: Schedule - Part II Federal share of terrorism losses is 80% (Refer to Paragraph B. in this endorsement.) Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Disclosure of Premium In accordance with the federal Terrorism Risk Insurance Act, we are required to provide you with a notice disclosing the portion of your premium, if any, attributable to coverage for terrorist acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement or in the policy Declarations. Includes copyrighted material of Insurance Services Office, Inc., with its permission IL 73 68 (Ed. 01/20) (Page 1 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 B. Disclosure of Federal Participation in Payment of Terrorism Losses The United States Government, Department of the Treasury, will pay a share of terrorism losses insured under the federal program. The federal share equals a percentage (as shown in Part II of the Schedule of this endorsement) of that portion of the amount of such insured losses that exceeds the applicable insurer retention. However, if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year, the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion. C. Cap on Insurer Participation in Payment of Terrorism Losses If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. Includes copyrighted material of Insurance Services Office, Inc., with its permission IL 73 68 (Ed. 01/20) (Page 2 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 IL 70 69 (Ed. 03/16) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - ASBESTOS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS AND COMPLETED OPERATIONS COVERAGE PART OWNER AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART FARM COVERAGE PART This insurance does not apply to "bodily injury," "property damage," or "personal and advertising injury" arising out of or related in any way to asbestos, asbestos-containing materials, or asbestos-containing products. We shall not have the duty to defend any such claim or "suit." IL 70 69 (Ed. 03/16) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 IL 72 68 (Ed. 09 09) In Witness Clause In Witness Whereof, we have caused this Policy to be executed and attested, and, if required by state law, this Policy shall not be valid unless countersigned by our authorized representative. President Secretary IL7268DT (09/09) Copyright Great American Insurance Co., 2009 IL 72 68 (Ed. 09/09) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 IL 72 73 (Ed. 08 08) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOSS PREVENTION SERVICES This endorsement modifies insurance provided under the following: COMMON POLICY CONDITIONS The following is added to the Common Policy to, safety and prevention training, consulta- Conditions tions, safety devices, health screenings and analyses of accident causes. G. Loss Prevention Services We are not obligated to provide any loss pre- At our cost, we may provide or recommend a vention services and any inspections, surveys, broad range of loss prevention services de- reports or recommendations and any such ac- signed to improve the acceptability of an in- tions we do undertake relate only to insurabil- sured. These services may require your co- ity and the premiums to be charged. We do operation to make them effective. not make safety inspections. We do not un- dertake to perform the duty of any person or We provide these services based on need as organization to provide for the health or indicated by the size, hazard and experience safety of workers or the public. And we do of your operation. We may elect to provide not warrant that conditions: these services through another entity. a. are safe or healthful; or In addition to inspections and surveys, re- ferenced in D. Inspections and Surveys, b. comply with laws, regulations, codes or these services may include, but are not limited standards. This endorsement does not change any other provision of the Policy. IL 72 73 (Ed. 08/08) XS * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 IL 00 17 (Ed. 11 98) COMMON POLICY CONDITIONS All Coverage Parts included in this Policy are subject to the following conditions. A. Cancellation C. Examination of Your Books and Records 1. The first Named Insured shown in the We may examine and audit your books and Declarations may cancel this Policy by records as they relate to this Policy at any mailing or delivering to us advance written time during the policy period and up to three notice of cancellation. years afterward. 2. We may cancel this Policy by mailing or D. Inspections and Surveys delivering to the first Named Insured writ- ten notice of cancellation at least: 1. We have the right to: a. 10 days before the effective date of cancellation if we cancel for nonpay- a. make inspections and surveys at any ment of premium; or time; b. 30 days before the effective date of b. give you reports on the conditions we cancellation if we cancel for any other find; and reason. c. recommend changes. 3. We will mail or deliver our notice to the first Named Insured's last mailing address 2. We are not obligated to make any inspec- known to us. tions, surveys, reports or recommenda- tions and any such actions we do under- 4. Notice of cancellation will state the effec- take relate only to insurability and the pre- tive date of cancellation. The policy period miums to be charged. We do not make will end on that date. safety inspections. We do not undertake to perform the duty of any person or 5. If this Policy is cancelled, we will send the organization to provide for the health or first Named Insured any premium refund safety of workers or the public. And we due. If we cancel, the refund will be pro do not warrant that conditions: rata. If the first Named Insured cancels, the refund may be less than pro rata. The a. are safe or healthful; or cancellation will be effective even if we have not made or offered a refund. b. comply with laws, regulations, codes or standards. 6. If notice is mailed, proof of mailing will be sufficient proof of notice. 3. Paragraphs 1. and 2. of this condition ap- ply not only to us, but also to any rating, B. Changes advisory, rate service or similar organiza- tion which makes insurance inspections, This Policy contains all the agreements be- surveys, reports or recommendations. tween you and us concerning the insurance afforded. The first Named Insured shown in 4. Paragraph 2. of this condition does not the Declarations is authorized to make apply to any inspections, surveys, reports changes in the terms of this Policy with our or recommendations we may make relative consent. This policy's terms can be amended to certification, under state or municipal or waived only by endorsement issued by us statutes, ordinances or regulations, of and made a part of this Policy. boilers, pressure vessels or elevators. Copyright, ISO Properties, Inc., 1998 IL 00 17 (Ed. 11/98) XS (Page 1 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 E. Premiums sent except in the case of death of an in- The first Named Insured shown in the Dec- dividual named insured. larations: 1. is responsible for the payment of all pre- miums; and If you die, your rights and duties will be 2. will be the payee for any return premiums transferred to your legal representative but we pay. only while acting within the scope of duties as F. Transfer of Your Rights and Duties Under your legal representative. Until your legal re- this Policy presentative is appointed, anyone having proper temporary custody of your property Your rights and duties under this Policy may will have your rights and duties but only with not be transferred without our written con- respect to that property. Copyright, ISO Properties, Inc., 1998 IL 00 17 (Ed. 11/98) XS (Page 2 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 IL 00 21 (Ed. 09 08) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply: B. Under any Medical Payments Coverage, to expenses incurred with respect to "bodily A. Under any Liability Coverage, to "bodily in- injury" resulting from the "hazardous jury" or "property damage": properties" of "nuclear material" and aris- ing out of the operation of a "nuclear fa- (1) with respect to which an "insured" un- cility" by any person or organization. der the Policy is also an insured under C. Under any Liability Coverage, to "bodily in- a nuclear energy liability policy issued jury" or "property damage" resulting from by Nuclear Energy Liability Insurance "hazardous properties" of "nuclear mate- Association, Mutual Atomic Energy Li- rial," if: ability Underwriters, Nuclear Insurance Association of Canada or any of their (1) the "nuclear material" (a) is at any "nu- successors, or would be an insured clear facility" owned by, or operated under any such policy but for its ter- by or on behalf of, an "insured" or (b) mination upon exhaustion of its Limit has been discharged or dispersed of Liability; or therefrom; (2) resulting from the "hazardous prop- (2) the "nuclear material" is contained in erties" of "nuclear material" and with "spent fuel" or "waste" at any time respect to which (a) any person or possessed, handled, used, processed, organization is required to maintain fi- stored, transported or disposed of, by nancial protection pursuant to the or on behalf of an "insured"; or Atomic Energy Act of 1954, or any law amendatory thereof, or (b) the "In- (3) the "bodily injury" or "property dam- sured" is, or had this Policy not been age" arises out of the furnishing by an issued would be, entitled to indemnity "insured" of services, materials, parts from the United States of America, or or equipment in connection with the any agency thereof, under any agree- planning, construction, maintenance, ment entered into by the United States operation or use of any "nuclear fa- of America, or any agency thereof, cility," but if such facility is located with any person or organization. within the United States of America, its Copyright, ISO Properties, Inc., 2007 IL 00 21 (Ed. 09/08) XS (Page 1 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 territories or possessions or Canada, "Nuclear facility" means: this exclusion (3) applies only to "property damage" to such "nuclear (a) any "nuclear reactor"; facility" and any property thereat. (b) any equipment or device designed or used 2. As used in this endorsement: for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing "Hazardous properties" includes radioactive, "spent fuel," or (3) handling, processing or toxic or explosive properties. packaging "waste"; "Nuclear material" means "source material," (c) any equipment or device used for the "special nuclear material" or "by-product ma- processing, fabricating or alloying of terial." "special nuclear material" if at any time the total amount of such material in the cus- tody of the "Insured" at the premises "Source material," "special nuclear material," where such equipment or device is lo- and "by-product material" have the meanings cated consists of or contains more than given them in the Atomic Energy Act of 1954 25 grams of plutonium or uranium 233 or or in any law amendatory thereof. any combination thereof, or more than 250 grams of uranium 235; "Spent fuel" means any fuel element or fuel (d) any structure, basin, excavation, premises component, solid or liquid, which has been or place prepared or used for the storage used or exposed to radiation in a "nuclear or disposal of "waste"; reactor." and includes the site on which any of the foregoing is located, all operations conducted "Waste" means any waste material (a) con- on such site and all premises used for such taining "by-product material" other than the operations. tailings or wastes produced by the extraction or concentration of uranium or thorium from "Nuclear reactor" means any apparatus de- any ore processed primarily for its "source signed or used to sustain nuclear fission in a material" content, and (b) resulting from the self-supporting chain reaction or to contain a operation by any person or organization of critical mass of fissionable material. any "nuclear facility" included under the first two paragraphs of the definition of "nuclear "Property damage" includes all forms of ra- facility." dioactive contamination of property. Copyright, ISO Properties, Inc., 2007 IL 00 21 (Ed. 09/08) XS (Page 2 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 IL 02 70 (Ed. 07/20) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation 3. All Policies In Effect For More Than 60 Days Common Policy Condition are replaced by the a. If this policy has been in effect for more following: than 60 days, or is a renewal of a policy we 2. All Policies In Effect For 60 Days Or Less issued, we may cancel this policy only upon If this policy has been in effect for 60 days or the occurrence, after the effective date of less, and is not a renewal of a policy we have the policy, of one or more of the following: previously issued, we may cancel this policy by (1) Nonpayment of premium, including mailing or delivering to the first Named Insured, payment due on a prior policy we issued at the mailing address shown in the policy, and and due during the current policy term to the producer of record, advance written covering the same risks. notice of cancellation, stating the reason for (2) Discovery of fraud or material cancellation, at least: misrepresentation by: a. 10 days before the effective date of (a) Any insured or his or her cancellation if we cancel for: representative in obtaining this (1) Nonpayment of premium; or insurance; or (2) Discovery of fraud by: (b) You or your representative in (a) Any insured or his or her pursuing a claim under this policy. representative in obtaining this (3) A judgment by a court or an insurance; or administrative tribunal that you have (b) You or your representative in violated a California or Federal law, pursuing a claim under this policy. having as one of its necessary elements an act which materially increases any of b. 30 days before the effective date of the risks insured against. cancellation if we cancel for any other reason. © Insurance Services Office, Inc., 2020 IL 02 70 (Ed. 07/20) (Page 1 of 4) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 (4) Discovery of willful or grossly negligent B. The following provision is added to the acts or omissions, or of any violations of Cancellation Common Policy Condition: state laws or regulations establishing 7. Residential Property safety standards, by you or your representative, which materially This provision applies to coverage on real increase any of the risks insured property which is used predominantly for against. residential purposes and consisting of not more (5) Failure by you or your representative to than four dwelling units, and to coverage on implement reasonable loss control tenants household personal property in a requirements, agreed to by you as a residential unit, if such coverage is written condition of policy issuance, or which under one of the following: were conditions precedent to our use of Commercial Property Coverage Part a particular rate or rating plan, if that Farm Coverage Part — Farm Property — Farm failure materially increases any of the Dwellings, Appurtenant Structures And risks insured against. Household Personal Property Coverage Form (6) A determination by the Commissioner of a. If such coverage has been in effect for 60 Insurance that the: days or less, and is not a renewal of (a) Loss of, or changes in, our coverage we previously issued, we may reinsurance covering all or part of cancel this coverage for any reason, except the risk would threaten our financial as provided in b. and c. below. integrity or solvency; or b. We may not cancel this policy solely (b) Continuation of the policy coverage because the first Named Insured has: would: (1) Accepted an offer of earthquake (i) Place us in violation of California coverage; or law or the laws of the state where (2) Cancelled or did not renew a policy we are domiciled; or issued by the California Earthquake (ii) Threaten our solvency. Authority (CEA) that included an earthquake policy premium surcharge. (7) A change by you or your representative However, we shall cancel this policy if the in the activities or property of the first Named Insured has accepted a new or commercial or industrial enterprise, renewal policy issued by the CEA that which results in a materially added, includes an earthquake policy premium increased or changed risk, unless the surcharge but fails to pay the earthquake added, increased or changed risk is policy premium surcharge authorized by the included in the policy. CEA. b. We will mail or deliver advance written c. We may not cancel such coverage solely notice of cancellation, stating the reason for because corrosive soil conditions exist on cancellation, to the first Named Insured, at the premises. This restriction (c.) applies the mailing address shown in the policy, only if coverage is subject to one of the and to the producer of record, at least: following, which exclude loss or damage (1) 10 days before the effective date of caused by or resulting from corrosive soil cancellation if we cancel for conditions: nonpayment of premium or discovery of (1) Commercial Property Coverage Part — fraud; or Causes Of Loss—Special Form; or (2) 30 days before the effective date of cancellation if we cancel for any other (2) Farm Coverage Part — Causes Of Loss reason listed in Paragraph 3.a. Form — Farm Property, Paragraph D. Covered Causes Of Loss—Special. © Insurance Services Office, Inc., 2020 IL 02 70 (Ed. 07/20) (Page 2 of 4) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 d. If a state of emergency under California a. If this policy provides coverage as Law is declared and the residential property described in the preceding paragraph, and is located in any ZIP Code within or we elect not to renew this policy, we will adjacent to the fire perimeter, as mail or deliver written notice, stating the determined by California Law, we may not reason for nonrenewal, to the first Named cancel this policy for one year, beginning Insured shown in the Declarations, and to from the date the state of emergency is the producer of record, at the mailing declared, solely because the dwelling or address shown in the policy, at least 75 other structure is located in an area in days, but not more than 120 days, before which a wildfire has occurred. However, we the expiration or anniversary date. may cancel: If we fail to give the first Named Insured (1) When you have not paid the premium, shown in the Declarations notice of at any time by letting you know at least nonrenewal at least 75 days prior to the 10 days before the date cancellation policy expiration, as required in the takes effect; paragraph above, this policy, with no (2) If willful or grossly negligent acts or change in its terms and conditions, shall omissions by the Named Insured, or his remain in effect for 75 days from the date or her representatives, are discovered that the notice of nonrenewal is delivered or that materially increase any of the risks mailed to the Named Insured. A notice to insured against; or this effect shall be provided by us to the first Named Insured with the notice of (3) If there are physical changes in the nonrenewal. property insured against, beyond the catastrophe-damaged condition of the b. We may elect not to renew such coverage for any reason, except structures and surface landscape, which provided in result in the property becoming Paragraphs c., d. and e. below. uninsurable. c. We will not refuse to renew such coverage C. The following is added and supersedes any solely because the first Named Insured has provisions to the contrary: accepted an offer of earthquake coverage. Nonrenewal However, the following applies only to insurers who are associate participating 1. Subject to the provisions of Paragraphs C.2. insurers as established by Cal. Ins. Code and C.3. below, if we elect not to renew this Section 10089.16. We may elect not to policy, we will mail or deliver written notice, renew such coverage after the first Named stating the reason for nonrenewal, to the first Insured has accepted an offer of Named Insured shown in the Declarations, and earthquake coverage, if one or more of the to the producer of record, at least 60 days, but following reasons applies: not more than 120 days, before the expiration or anniversary date. (1) The nonrenewal is based on sound underwriting principles that relate to the We will mail or deliver our notice to the first coverages provided by this policy and Named Insured, and to the producer of record, that are consistent with the approved at the mailing address shown in the policy. rating plan and related documents filed 2. Residential Property with the Department of Insurance as This provision applies to coverage on real required by existing law; property used predominantly for residential purposes and consisting of not more than four dwelling units, and to coverage on tenants' household property contained in a residential unit, if such coverage is written under one of the following: Commercial Property Coverage Part Farm Coverage Part — Farm Property — Farm Dwellings, Appurtenant Structures And Household Personal Property Coverage Form © Insurance Services Office, Inc., 2020 IL 02 70 (Ed. 07/20) (Page 3 of 4) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 (2) The Commissioner of Insurance finds However, we may nonrenew: that the exposure to potential losses will (1) If willful or grossly negligent acts or threaten our solvency or place us in a omissions by the Named Insured, or his hazardous condition. A hazardous or her representatives, are discovered condition includes, but is not limited to, a that materially increase any of the risks condition in which we make claims insured against; payments for losses resulting from an earthquake that occurred within the (2) If losses unrelated to the postdisaster preceding two years and that required a loss condition of the property have reduction in policyholder surplus of at occurred that would collectively render least 25% for payment of those claims; the risk ineligible for renewal; or or (3) If there are physical changes in the (3) We have: property insured against, beyond the (a) Lost or experienced a substantial catastrophe-damaged condition of the structures and surface landscape, which reduction in the availability or scope result in the property becoming of reinsurance coverage; or uninsurable. (b) Experienced a substantial increase 3. We are not required to send notice of in the premium charged for nonrenewal in the following situations: reinsurance coverage of our residential property insurance a. If the transfer or renewal of a policy, without policies; and any changes in terms, conditions or rates, is between us and a member of our the Commissioner has approved a plan insurance group. for the nonrenewals that is fair and equitable, and that is responsive to the b. If the policy has been extended for 90 days changes in our reinsurance position. or less, provided that notice has been given d. We will not refuse to renew such coverage in accordance with Paragraph CA. solely because the first Named Insured has c. If you have obtained replacement coverage, cancelled or did not renew a policy, issued or if the first Named Insured has agreed, in by the California Earthquake Authority, that writing, within 60 days of the termination of included an earthquake policy premium the policy, to obtain that coverage. surcharge. d. If the policy is for a period of no more than e. We will not refuse to renew such coverage 60 days and you are notified at the time of solely because corrosive soil conditions issuance that it will not be renewed. exist on the premises. This restriction (e.) e. If the first Named Insured requests a applies only if coverage is subject to one of change in the terms or conditions or risks the following, which exclude loss or covered by the policy within 60 days of the damage caused by or resulting from end of the policy period. corrosive soil conditions: f. If we have made a written offer to the first (1) Commercial Property Coverage Part — Named Insured, in accordance with the Causes Of Loss—Special Form; or timeframes shown in Paragraph CA., to (2) Farm Coverage Part — Causes Of Loss renew the policy under changed terms or Form — Farm Property, Paragraph D. conditions or at an increased premium rate, Covered Causes Of Loss—Special. when the increase exceeds 25%. f. If a state of emergency under California Law is declared and the residential property is located in any ZIP Code within or adjacent to the fire perimeter, as determined by California Law, we may not nonrenew this policy for one year, beginning from the date the state of emergency is declared, solely because the dwelling or other structure is located in an area in which a wildfire has occurred. © Insurance Services Office, Inc., 2020 IL 02 70 (Ed. 07/20) (Page 4 of 4) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 IL 73 24 (Ed. 07/21) THIS ENDORSEMENT CHANGES YOUR POLICY. PLEASE READ IT CAREFULLY. GLOBAL SANCTION ENDORSEMENT Notwithstanding any other provision of this Policy,this insurance cannot provide coverage and the Insurer shall not be liable to pay any claim or provide any benefit under this Policy to the extent that the provision of such coverage or benefit, or the payment of such claim, would violate, conflict with, or expose the Insurer to any sanction, prohibition or restriction under United Nations resolutions or any applicable economic or financial sanctions or other trade laws or regulations, including, but not limited to, of the United States of America, European Union, United Kingdom, or Canada. IL 73 24 (Ed. 07/21) (Pagel of 1) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 74 00 (Ed. 07/01) Policy No. GLP 0482161 11 GENERAL LIABILITY COVERAGE PART DECLARATION PAGE NAMED INSURED: BARK THERAPY DOGS POLICY PERIOD: 04/10/2024 to 04/10/2025 LIMITS OF INSURANCE: General Aggregate Limit (Other Than Products - Completed Operations) $ 2,000,000 Products - Completed Operations Aggregate Limit $ 2,000,000 Personal and Advertising Injury Limit $ 1,000,000 Each Occurrence Limit $ 1,000,000 Damage to Premises Rented to You Limit $ 100,000 Any One Premises Medical Expense Limit $ 5,000 Any One Person FORM OF BUSINESS: CORPORATION TOTAL ESTIMATED PREMIUM: $ 470.00 Products/Completed Operations All Other $ $ 470.00 SCHEDULE OF LOCATIONS Location : 0001 Building: 0001 NO PHYSICAL LOCATION LONG BEACH, CA 90809 CODE NUMBER: 01211 PREMIUM BASIS: MANUAL RATED - NON-AUDIT Classification : SIGNATURE GENERAL LIABILITY BROADENING ENDORSEMENT Products/Completed Operations All Other EXPOSURE: EXPOSURE: IF ANY RATE: RATE: PREMIUM: $0.00 PREMIUM: $165.00 CG 74 00 (Ed. 07/01) (Page 1 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CODE NUMBER: 44444 PREMIUM BASIS: MANUAL RATED - NON-AUDIT Classification : PREMISES/OPERATIONS AND PRODUCTS/COMPLETED OPERATIONS - NOC Products/Completed Operations All Other EXPOSURE: EXPOSURE: IF ANY RATE: RATE: PREMIUM: $0.00 PREMIUM: $188.00 CODE NUMBER: 41668 LOC: 0001 BLDG: 0001 PREMIUM BASIS: PER 1000 SQUARE FEET Classification : CLUBS - CIVIC, SERVICE OR SOCIAL - HAVING BUILDINGS OR PREMISES OWNED OR LEASED - NOT-FOR-PROFIT PRODUCTS-COMPLETED OPERATIONS COVERAGE IS INCLUDED BUT IS SUBJECT TO THE GENERAL AGGREGATE LIMIT NOT THE PRODUCT COMPLETED OPERATION AGGREGATE LIMIT, IF ANY Products/Completed Operations All Other EXPOSURE: EXPOSURE: 175 RATE: INCLUDED RATE: 669.258 PREMIUM: INCLUDED PREMIUM: $117.00 FORMS AND ENDORSEMENTS applicable to this Coverage Part and made part of this Policy at time of issue: SEE CG 88 01 11/85 CG 74 00 (Ed. 07/01) (Page 2 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 82 82 (Ed. 12/09) Policy No. GLP 0482161 11 ABUSE OR MOLESTATION COVERAGE FORM DECLARATIONS PAGE NAMED INSURED: BARK THERAPY DOGS POLICY PERIOD: 04/10/2024 to 04/10/2025 LIMITS OF INSURANCE: Aggregate Limit $ 1,000,000 Each Abuse Limit $ 1,000,000 DESCRIPTION OF BUSINESS: Form of Business CORPORATION READ YOUR POLICY CAREFULLY, OPTIONAL COVERAGES ARE PROVIDED BY PREMIUM INSERTION. Premium Abuse or Molestation Coverage $ 370 TOTAL ADVANCE PREMIUM $ 370 Premium shown is payable: $ at inception; FORMS AND ENDORSEMENTS Applicable to this Coverage Part and made part of this Policy at time of issue are listed on the attached Forms and Endorsements Schedule CG 88 01 (11/85). CG 82 82 (Ed. 12/09) (Page 1 of 1) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 88 01 (Ed. 11/85) FORMS AND ENDORSEMENTS SCHEDULE It is hereby understood and agreed the following forms and endorsements are attached to and are a part of this policy: Date Added or Form and Edition Date Deleted Form Description 1. CG0001 04/13 COMML GENERAL LIABILITY COVERAGE 2. CG2002 11/85 ADDL INS-CLUB MEMBERS 3. CG2106 05/14 EXCLUSION-PERSONAL INFO & DATA-LIMI 4. CG2147 12/07 EMPLOYMENT RELATED PRACTICES EXCL 5. CG2171 01/15 LTD TERROR EXCL(O/T CERTIFIED)CAP L 6. CG2176 01/15 EXCL OF PUN DAMAGES RELATED TO TERR 7. CG2426 04/13 AMENDMENT OF INSURED CONTRACT DEFIN 8. CG7400 07/01 GENERAL LIABILITY DEC PAGE 9. CG8282 12/09 ABUSE & MOLESTATION 10. CG8361 02/05 SILICA OR DUST RELATED EXCL 11. CG8366 06/05 NUCLEAR, BIOLOGICAL, CHEMICAL EXCL 12. CG8440 08/09 COORDINATION OF LIMITS ENDORSEMENT 13. CG8481 08/14 EXCLUSION - ORGANIC PATHOGENS 14. CG8565 01/12 ABUSE OR MOLESTATION COVERAGE FORM 15. CG8970 11/14 SIGNATURE-GL-BROADNING ENDT 16. CG9082 06/17 EXCLUSION - PROFESSIONAL SERVICES 17. CG9083 06/17 ABUSE, MOL, HARASSMENT OR SEXUAL EX 18. CG9169 02/20 MEDICAL PAYMENTS AT YOUR REQUEST * If not at inception CG 88 01 (Ed. 11/85) (Page 1 of 1) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 00 01 (Ed. 04 13) COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this Policy restrict coverage. No other obligation or liability to pay sums Read the entire Policy carefully to determine or perform acts or services is covered rights, duties and what is and is not covered. unless explicitly provided for under Sup- plementary Payments - Coverages A and Throughout this Policy the words "you" and "your" B. refer to the Named Insured shown in the Declara- tions, and any other person or organization quali- b. This insurance applies to "bodily injury" fying as a named insured under this Policy. The and "property damage" only if: words "we", "us" and "our" refer to the company providing this insurance. (1) the "bodily injury" or "property dam- age" is caused by an "occurrence" that The word "insured" means any person or or- takes place in the "coverage territory"; ganization qualifying as such under SECTION II - WHO IS AN INSURED. (2) the "bodily injury" or "property dam- age" occurs during the policy period; Other words and phrases that appear in quotation and marks have special meaning. Refer to SECTION V - DEFINITIONS. (3) prior to the policy period, no insured listed under paragraph 1. of SECTION SECTION I - COVERAGES II - WHO IS AN INSURED and no "employee" authorized by you to give Coverage A - Bodily Injury and Property Dam- or receive notice of an "occurrence" age Liability or claim, knew that the "bodily injury" or "property damage" had occurred, in 1. Insuring Agreement whole or in part. If such a listed in- sured or authorized "employee" knew, a. We will pay those sums that the Insured prior to the policy period, that the becomes legally obligated to pay as dam- "bodily injury" or "property damage" ages because of "bodily injury" or "prop- occurred, then any continuation, erty damage" to which this insurance ap- change or resumption of such "bodily plies. We will have the right and duty to injury" or "property damage" during or defend the Insured against any "suit" seek- after the policy period will be deemed ing those damages. However, we will have to have been known prior to the policy no duty to defend the Insured against any period. "suit" seeking damages for "bodily injury" or "property damage" to which this insur- c. "Bodily injury" or "property damage" which ance does not apply. We may, at our dis- occurs during the policy period and was cretion, investigate any "occurrence" and not, prior to the policy period, known to settle any claim or "suit" that may result. have occurred by any insured listed under But: paragraph 1. of SECTION II - WHO IS AN INSURED or any "employee" authorized by (1) the amount we will pay for damages is you to give or receive notice of an "oc- limited as described in SECTION III - currence" or claim, includes any continu- LIMITS OF INSURANCE; and ation, change or resumption of that "bodily injury" or "property damage" after the end (2) our right and duty to defend ends of the policy period. when we have used up the applicable Limit of Insurance in the payment of d. "Bodily injury" or "property damage" will judgments or settlements under Cov- be deemed to have been known to have erages A or B or medical expenses occurred at the earliest time when any under Coverage C. insured listed under paragraph 1. of SEC- Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 1 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 TION II - WHO IS AN INSURED or any sonable attorneys' fees and necessary "employee" authorized by you to give or litigation expenses incurred by or for a receive notice of an "occurrence" or claim: party other than an insured are deemed to be damages because of (1) reports all, or any part, of the "bodily "bodily injury" or "property damage," injury" or "property damage" to us or provided: any other insurer; (2) receives a written or verbal demand or (a) liability to such party for, or for the cost of, that party's defense claim for damages because of the has also been assumed in the "bodily injury" or "property damage"; same "insured contract"; and or (3) becomes aware by any other means (b) such attorneys' fees and litigation that "bodily injury" or "property dam- expenses are for defense of that age" has occurred or has begun to party against a civil or alternative occur. dispute resolution proceeding in which damages to which this in- e. Damages because of "bodily injury" include surance applies are alleged. damages claimed by any person or or- ganization for care, loss of services or c. Liquor Liability death resulting at any time from the "bodi- ly injury." "Bodily injury" or "property damage" for which any insured may be held liable by 2. Exclusions reason of: This insurance does not apply to: (1) causing or contributing to the intoxi- a. Expected or Intended Injury cation of any person; "Bodily injury" or "property damage" ex- (2) the furnishing of alcoholic beverages pected or intended from the standpoint of to a person under the legal drinking the Insured. This exclusion does not apply age or under the influence of alcohol; to "bodily injury" resulting from the use of or reasonable force to protect persons or property. (3) any statute, ordinance or regulation relating to the sale, gift, distribution or b. Contractual Liability use of alcoholic beverages. "Bodily injury" or "property damage" for This exclusion applies even if the claims which the Insured is obligated to pay dam- against any insured allege negligence or ages by reason of the assumption of li- other wrongdoing in: ability in a contract or agreement. This ex- clusion does not apply to liability for dam- (a) the supervision, hiring, employment, ages: training or monitoring of others by (1) that the Insured would have in the ab- that Insured; or sence of the contract or agreement; or (b) providing or failing to provide trans- portation with respect to any person (2) assumed in a contract or agreement that may be under the influence of that is an "insured contract," provided alcohol; the "bodily injury" or "property dam- age" occurs subsequent to the execu- if the "occurrence" which caused the tion of the contract or agreement. "bodily injury" or "property damage," in- Solely for the purposes of liability as- volved that which is described in para- sumed in an "insured contract," rea- graph (1), (2) or (3) above. Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 2 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 However, this exclusion applies only if you (a) at or from any premises, site or are in the business of manufacturing, dis- location which is or was at any tributing, selling, serving or furnishing al- time owned or occupied by, or coholic beverages. For the purposes of rented or loaned to, any insured. this exclusion, permitting a person to bring However, this subparagraph does alcoholic beverages on your premises, for not apply to: consumption on your premises, whether or not a fee is charged or a license is (i) "bodily injury" if sustained required for such activity, is not by itself within a building and caused considered the business of selling, serving by smoke, fumes, vapor or or furnishing alcoholic beverages. soot produced by or origi- nating from equipment that is d. Workers' Compensation and Similar used to heat, cool or de- Laws humidify the building, or equipment that is used to Any obligation of the Insured under a heat water for personal use, workers' compensation, disability benefits by the building's occupants or unemployment compensation law or or their guests; any similar law. (i i) "bodily injury" or "property e. Employer's Liability damage" for which you may be held liable, if you are a "Bodily injury" to: contractor and the owner or lessee of such premises, site (1) an "employee" of the Insured arising or location has been added out of and in the course of: to your policy as an addi- tional insured with respect to (a) employment by the Insured; or your ongoing operations performed for that Addi- (b) performing duties related to the tional Insured at that prem- conduct of the Insured's business; ises, site or location and or such premises, site or loca- tion is not and never was (2) the spouse, child, parent, brother or owned or occupied by, or sister of that "employee" as a con- rented or loaned to, any in- sequence of paragraph (1) above. sured, other than that Addi- tional Insured; or This exclusion applies whether the Insured iii "bodilyin ur "property may be liable as an employer or in any ( ) damage" arising out of heat, other capacity and to any obligation to smoke or fumes from a share damages with or repay someone "hostile fire"; else who must pay damages because of the injury. (b) at or from any premises, site or location which is or was at any This exclusion does not apply to liability time used by or for any insured assumed by the Insured under an "insured or others for the handling, stor- contract." age, disposal, processing or treatment of waste; f. Pollution (c) which are or were at any time (1) "Bodily injury" or "property damage" transported, handled, stored, arising out of the actual, alleged or treated, disposed of, or pro- threatened discharge, dispersal, seep- cessed as waste by or for: age, migration, release or escape of "pollutants": (i) any insured; or Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 3 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 (ii) any person or organization being performed by you or for whom you may be legally on your behalf by a contrac- responsible; or for or subcontractor; or (d) at or from any premises, site or (iii) "bodily injury" or "property location on which any insured or damage" arising out of heat, any contractors or subcontrac- smoke or fumes from a tors working directly or indirectly "hostile fire." on any insured's behalf are per- forming operations if the "pollu- (e) at or from any premises, site or tants" are brought on or to the location on which any insured or premises, site or location in con- any contractors or subcontrac- nection with such operations by tors working directly or indirectly such insured, contractor or sub- on any insured's behalf are per- contractor. However, this sub- forming operations if the oper- paragraph does not apply to: ations are to test for, monitor, clean up, remove, contain, treat, i "bodilyin ur or "property detoxify or neutralize, or in any damage" ( ) injury"arising out of the way respond to, or assess the escape of fuels, lubricants effects of, "pollutants." or other operating fluids (2) Any loss, cost or expense arising out which are needed to per- of any: form the normal electrical, hydraulic or mechanical (a) request, demand, order or statu- functions necessary for the tory or regulatory requirement operation of "mobile equip- that any insured or others test ment" or its parts, if such for, monitor, clean up, remove, fuels, lubricants or other contain, treat, detoxify or neu- operating fluids escape from tralize, or in any way respond to, a vehicle part designed to or assess the effects of, "pollu- hold, store or receive them. tants"; or This exception does not ap- ply if the "bodily injury" or (b) claim or suit by or on behalf of a "property damage" arises out governmental authority for dam- of the intentional discharge, ages because of testing for, dispersal or release of the monitoring, cleaning up, removing, fuels, lubricants or other containing, treating, detoxifying or operating fluids, or if such neutralizing, or in any way re- fuels, lubricants or other sponding to, or assessing the ef- operating fluids are brought fects of, "pollutants." on or to the premises, site or location with the intent However, this paragraph does not ap- that they be discharged, dis- ply to liability for damages because of persed or released as part "property damage" that the Insured of the operations being per- would have in the absence of such formed by such insured, request, demand, order or statutory or contractor or subcontractor; regulatory requirement, or such claim or "suit" by or on behalf of a gov- (ii) "bodily injury" or "property ernmental authority. damage" sustained within a building and caused by the g. Aircraft, Auto or Watercraft release of gases, fumes or vapors from materials "Bodily injury" or "property damage" aris- brought into that building in ing out of the ownership, maintenance, connection with operations use or entrustment to others of any air- Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 4 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 craft, "auto" or watercraft owned or op- h. Mobile Equipment erated by or rented or loaned to any in- sured. Use includes operation and "loading "Bodily injury" or "property damage" aris- or unloading." ing out of: This exclusion applies even if the claims (1) the transportation of "mobile equip- against any insured allege negligence or ment" by an "auto" owned or operated other wrongdoing in the supervision, hir- by or rented or loaned to any insured; ing, employment, training or monitoring of or others by that Insured, if the "occurrence" which caused the "bodily injury" or "prop- (2) the use of "mobile equipment" in, or erty damage" involved the ownership, while in practice for, or while being maintenance, use or entrustment to others prepared for, any prearranged racing, of any aircraft, "auto" or watercraft that is speed, demolition, or stunting activity. owned or operated by or rented or loaned to any insured. i. War This exclusion does not apply to: "Bodily injury" or "property damage," however caused, arising, directly or in- (1) a watercraft while ashore on premises directly, out of: you own or rent; (1) war, including undeclared or civil war; (2) a watercraft you do not own that is: (2) warlike action by a military force, in- (a) less than 26 feet long; and cluding action in hindering or defend- ing against an actual or expected at- (b) not being used to carry persons tack, by any government, sovereign or or property for a charge; other authority using military personnel or other agents; or (3) parking an "auto" on, or on the ways next to, premises you own or rent, (3) insurrection, rebellion, revolution, provided the "auto" is not owned by or usurped power, or action taken by rented or loaned to you or the Insured; governmental authority in hindering or defending against any of these. (4) liability assumed under any "insured contract" for the ownership, mainten- j. Damage to Property ance or use of aircraft or watercraft; or "Property damage" to: (5) "bodily injury" or "property damage" (1) property you own, rent, or occupy, arising out of: including any costs or expenses in- curred by you, or any other person, (a) the operation of machinery or organization or entity, for repair, re- equipment that is attached to, or placement, enhancement, restoration part of, a land vehicle that would or maintenance of such property for qualify under the definition of any reason, including prevention of in- "mobile equipment" if it were not jury to a person or damage to an- subject to a compulsory or finan- other's property; cial responsibility law or other motor vehicle insurance law (2) premises you sell, give away or aban- where it is licensed or principally don, if the "property damage" arises garaged; or out of any part of those premises; (b) the operation of any of the ma- (3) property loaned to you; chinery or equipment listed in paragraph f.(2) or f.(3) of the (4) personal property in the care, custody definition of "mobile equipment." or control of the Insured; Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 5 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 (5) that particular part of real property on m. Damage to Impaired Property or Prop- which you or any contractors or sub- erty Not Physically Injured contractors working directly or indi- rectly on your behalf are performing "Property damage" to "impaired property" operations, if the "property damage" or property that has not been physically arises out of those operations; or injured, arising out of: (6) that particular part of any property (1) a defect, deficiency, inadequacy or that must be restored, repaired or re- dangerous condition in "your product" placed because "your work" was in- or "your work"; or correctly performed on it. (2) a delay or failure by you or anyone acting on your behalf to perform a Paragraphs (1), (3) and (4) of this exclusion contract or agreement in accordance do not apply to "property damage" (other with its terms. than damage by fire) to premises, including the contents of such premises, rented to This exclusion does not apply to the loss you for a period of seven or fewer con- of use of other property arising out of secutive days. A separate Limit of Insur- sudden and accidental physical injury to ance applies to Damage to Premises Ren- "your product" or "your work" after it has ted to You as described in SECTION III - been put to its intended use. LIMITS OF INSURANCE. n. Recall of Products, Work or Impaired Paragraph (2) of this exclusion does not Property apply if the premises are "your work" and were never occupied, rented or held for Damages claimed for any loss, cost or rental by you. expense incurred by you or others for the loss of use, withdrawal, recall, inspection, Paragraphs (3), (4), (5) and (6) of this ex- repair, replacement, adjustment, removal clusion do not apply to liability assumed or disposal of: under a sidetrack agreement. (1) "your product"; Paragraph (6) of this exclusion does not (2) "your work"; or apply to "property damage" included in the "products-completed operations hazard." (3) "impaired property"; k. Damage to Your Product if such product, work, or property is withdrawn or recalled from the market or from use by any person or organization "Property damage" to "your product" aris- because of a known or suspected defect, ing out of it or any part of it. deficiency, inadequacy or dangerous con- dition in it. I. Damage to Your Work o. Personal and Advertising Injury "Property damage" to "your work" arising "Bodily injury" arising out of "personal and out of it or any part of it and included in advertising injury." the "products-completed operations haz- ard." p. Electronic Data This exclusion does not apply if the Damages arising out of the loss of, loss damaged work or the work out of which of use of, damage to, corruption of, in- the damage arises was performed on your ability to access, or inability to manipulate behalf by a subcontractor. electronic data. Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 6 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 However, this exclusion does not apply to Coverage B - Personal and Advertising Injury liability for damages because of "bodily Liability i nj u ry." 1. Insuring Agreement As used in this exclusion, electronic data means information, facts or programs a. We will pay those sums that the Insured stored as or on, created or used on, or becomes legally obligated to pay as dam- transmitted to or from computer soft- ages because of "personal and advertising ware, including systems and applications injury" to which this insurance applies. We software, hard or floppy disks, CD-ROMs, will have the right and duty to defend the tapes, drives, cells, data processing de- Insured against any "suit" seeking those vices or any other media which are used damages. However, we will have no duty with electronically controlled equipment. to defend the Insured against any "suit" seeking damages for "personal and ad- q. Recording and Distribution of Material vertising injury" to which this insurance or Information in Violation of Law does not apply. We may, at our discretion, investigate any offense and settle any claim or "suit" that may result. But: "Bodily injury" or "property damage" aris- ing directly or indirectly out of any action (1) the amount we will pay for damages is or omission that violates or is alleged to limited as described in SECTION III - violate: LIMITS OF INSURANCE; and (1) the Telephone Consumer Protection (2) our right and duty to defend end when Act (TCPA), including any amendment we have used up the applicable Limit of or addition to such law; of Insurance in the payment of judg- ments or settlements under Coverages (2) the CAN-SPAM Act of 2003, including A or B or medical expenses under any amendment of or addition to such Coverage C. law; No other obligation or liability to pay sums (3) the Fair Credit Reporting Act (FCRA), or perform acts or services is covered and any amendment of or addition to unless explicitly provided for under Sup- such law, including the Fair and Ac- plementary Payments - Coverages A and curate Credit Transactions Act B. (FACTA); o r b. This insurance applies to "personal and advertising injury" caused by an offense (4) any federal, state or local statute, or- arising out of your business but only if the dinance or regulation, other than the offense was committed in the "coverage TCPA, CAN-SPAM Act of 2003 or territory" during the policy period. FCRA and their amendments and addi- tions, that addresses, prohibits, or lim- its the printing, dissemination, disposal, 2• Exclusions collecting, recording, sending, trans- mitting, communicating or distribution This insurance does not apply to: of material or information. a. Knowing Violation of Rights of Another Exclusions c. through n. do not apply to dam- age by fire to premises while rented to you "Personal and advertising injury" caused by or temporarily occupied by you with permis- or at the direction of the Insured with the sion of the owner. A separate Limit of Insur- knowledge that the act would violate the ance applies to this coverage as described in rights of another and would inflict "per- SECTION III - LIMITS OF INSURANCE. sonal and advertising injury." Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 7 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 b. Material Published with Knowledge of i. Infringement of Copyright, Patent, Falsity Trademark or Trade Secret "Personal and advertising injury" arising out "Personal and advertising injury" arising out of oral or written publication, in any man- of the infringement of copyright, patent, ner, of material, if done by or at the di- trademark, trade secret or other intellec- rection of the Insured with knowledge of tual property rights. Under this exclusion, its falsity. such other intellectual property rights do not include the use of another's advertis- c. Material Published Prior to Policy Pe- ing idea in your "advertisement." riod However, this exclusion does not apply to "Personal and advertising injury" arising out infringement, in your "advertisement," of of oral or written publication, in any man- copyright, trade dress or slogan. ner, of material whose first publication took place before the beginning of the j• Insureds in Media and Internet Type policy period. Businesses d. Criminal Acts "Personal and advertising injury" commit- ted by an insured whose business is: "Personal and advertising injury" arising out of a criminal act committed by or at the (1) advertising, broadcasting, publishing or direction of the Insured. telecasting; e. Contractual Liability (2) designing or determining content of web sites for others; or "Personal and advertising injury" for which (3) an Internet search, access, content or the Insured has assumed liability in a con- tract or agreement. This exclusion does service provider. not apply to liability for damages that the However, this exclusion does not apply to Insured would have in the absence of the paragraphs 14.a., b. and c. of "personal contract or agreement. and advertising injury" under the Defini- tions section. f. Breach of Contract For the purposes of this exclusion, the "Personal and advertising injury" arising out placing of frames, borders or links, or of a breach of contract, except an implied advertising, for you or others anywhere contract to use another's advertising idea on the Internet, is not by itself, considered in your "advertisement." the business of advertising, broadcasting, g. Quality or Performance of Goods - publishing or telecasting. Failure to Conform to Statements k. Electronic Chat Rooms or Bulletin Boards "Personal and advertising injury" arising out of the failure of goods, products or ser- "Personal and advertising injury" arising out vices to conform with any statement of of an electronic chat room or bulletin quality or performance made in your "ad- board the Insured hosts, owns, or over vertisement." which the Insured exercises control. h. Wrong Description of Prices I. Unauthorized Use of Another's Name or Product "Personal and advertising injury" arising out of the wrong description of the price of "Personal and advertising injury" arising out goods, products or services stated in your of the unauthorized use of another's name "advertisement." or product in your e-mail address, domain Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 8 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 name or metatag, or any other similar tac- p. Recording and Distribution of Material tics to mislead another's potential custom- or Information in Violation of Law ers. "Personal and advertising injury" arising di- m. Pollution rectly or indirectly out of any action or omission that violates or is alleged to vio- late: "Personal and advertising injury" arising out of the actual, alleged or threatened dis- (1) the Telephone Consumer Protection charge, dispersal, seepage, migration, re- Act (TCPA), including any amendment lease or escape of "pollutants" at any time. of or addition to such law; n. Pollution-related (2) the CAN-SPAM Act of 2003, including any amendment of or addition to such law; Any loss, cost or expense arising out of any: (3) the Fair Credit Reporting Act (FCRA), and any amendment of or addition to (1) request, demand, order or statutory or such law, including the Fair and Ac- regulatory requirement that any insured curate Credit Transactions Act or others test for, monitor, clean up, (FACTA); or remove, contain, treat, detoxify or neutralize, or in any way respond to, (4) any federal, state or local statute, or- or assess the effects of, "pollutants"; dinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or or FCRA and their amendments and addi- tions, that addresses, prohibits, or lim- (2) claim or suit by or on behalf of a its the printing, dissemination, disposal, governmental authority for damages collecting, recording, sending, trans- because of testing for, monitoring, mitting, communicating or distribution cleaning up, removing, containing, of material or information. treating, detoxifying or neutralizing, or in any way responding to, or assessing Coverage C - Medical Payments the effects of, "pollutants." 1. Insuring Agreement o. War a. We will pay medical expenses as de- "Personal and advertising injury," however scribed below for "bodily injury" caused caused, arising, directly or indirectly, out by an accident: of: (1) on premises you own or rent; (1) war, including undeclared or civil war; (2) on ways next to premises you own or rent; or (2) warlike action by a military force, in- cluding action in hindering or defend- ing against an actual or expected at- tack, by any government, sovereign or provided that: other authority using military personnel (a) the accident takes place in the "cov- or other agents; or erage territory" and during the policy period; (3) insurrection, rebellion, revolution, usurped power, or action taken by (b) the expenses are incurred and report- governmental authority in hindering or ed to us within one year of the date of defending against any of these. the accident; and Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 9 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 (c) the injured person submits to exami- f. Products-Completed Operations Hazard nation, at our expense, by physicians of our choice as often as we reason- Included within the "products-completed ably require. operations hazard." b. We will make these payments regardless g• Coverage A Exclusions of fault. These payments will not exceed the applicable Limit of Insurance. We will Excluded under Coverage A. pay reasonable expenses for: Supplementary Payments - Coverages A and B (1) first aid administered at the time of an accident; 1. We will pay, with respect to any claim we investigate or settle, or any "suit" against an (2) necessary medical, surgical, X-ray and insured we defend: dental services, including prosthetic a. All expenses we incur. devices; and (3) necessary ambulance, hospital, pro- b. Up to $250 for cost of bail bonds re- quired because of accidents or traffic law fessional nursing and funeral services. violations arising out of the use of any 2. Exclusions vehicle to which the Bodily Injury Liability Coverage applies. We do not have to fur- We will not pay expenses for "bodily injury": nish these bonds. a. Any Insured c. The cost of bonds to release attachments, but only for bond amounts within the ap- plicable Limit of Insurance. We do not To any insured, except "volunteer work- have to furnish these bonds. ers." d. All reasonable expenses incurred by the b. Hired Person Insured at our request to assist us in the investigation or defense of the claim or To a person hired to do work for or on "suit," including actual loss of earnings up behalf of any insured or a tenant of any to $250 a day because of time off from insured. work. c. Injury on Normally Occupied Premises e. All court costs taxed against the Insured in the "suit." However, these payments do To a person injured on that part of prem- not include attorneys' fees or attorneys' ises you own or rent that the person nor- expenses taxed against the Insured. mally occupies. f. Prejudgment interest awarded against the d. Workers' Compensation and Similar Insured on that part of the judgment we Laws pay. If we make an offer to pay the ap- plicable Limit of Insurance, we will not pay To a person, whether or not an "employ- any prejudgment interest based on that ee" of any insured, if benefits for the period of time after the offer. "bodily injury" are payable or must be provided under a workers' compensation g. All interest on the full amount of any or disability benefits law or a similar law. judgment that accrues after entry of the judgment and before we have paid, of- e. Athletics Activities fered to pay, or deposited in court the part of the judgment that is within the To a person injured while practicing, in- applicable Limit of Insurance. structing or participating in any physical exercises or games, sports, or athletic These payments will not reduce the Limits of contests. Insurance. Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 10 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 2. If we defend an insured against a "suit" and an (2) Provides us with written authorization indemnitee of the Insured is also named as a to: party to the "suit," we will defend that indem- nitee if all of the following conditions are met: (a) obtain records and other infor- mation related to the "suit"; and a. the "suit" against the indemnitee seeks damages for which the Insured has as- (b) conduct and control the defense sumed the liability of the indemnitee in a of the indemnitee in such "suit." contract or agreement that is an "insured contract"; So long as the above conditions are met, at- torneys' fees incurred by us in the defense of b. this insurance applies to such liability as- that indemnitee, necessary litigation expenses sumed by the Insured; incurred by us and necessary litigation ex- penses incurred by the indemnitee at our re- c. the obligation to defend, or the cost of quest will be paid as Supplementary Payments. Notwithstanding the provisions of paragraph the defense of, that indemnitee, has also 2.b.(2) of SECTION I - COVERAGE A - Bodi- been assumed by the Insured in the same ly Injury and Property Damage Liability, "insured contract"; such payments will not be deemed to be damages for "bodily injury" and "property d. the allegations in the "suit" and the in- damage" and will not reduce the Limits of formation we know about the "occur- Insurance. rence" are such that no conflict appears to exist between the interests of the Insured Our obligation to defend an insured's indem- and the interests of the indemnitee; nitee and to pay for attorneys' fees and nec- essary litigation expenses as Supplementary e. the indemnitee and the Insured ask us to Payments ends when we have used up the conduct and control the defense of that applicable Limit of Insurance in the payment of indemnitee against such "suit" and agree judgments or settlements or the conditions that we can assign the same counsel to set forth above, or the terms of the agree- defend the Insured and the indemnitee; and ment described in paragraph f. above, are no longer met. f. the indemnitee: SECTION II - WHO IS AN INSURED (1) Agrees in writing to: 1. If you are designated in the Declarations as: (a) cooperate with us in the inves- tigation, settlement or defense of a. An individual, you and your spouse are the "suit"; insureds, but only with respect to the conduct of a business of which you are the sole owner. (b) immediately send us copies of any demands, notices, summonses r legal papers received b. A partnership or joint venture, you are an o ived in con- or le n with the "suit insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your busi- (c) notify any other insurer whose ness. coverage is available to the in- demnitee; and c. A limited liability company, you are an in- sured. Your members are also insureds, (d) cooperate with us with respect to but only with respect to the conduct of coordinating other applicable in- your business. Your managers are insur- surance available to the indem- eds, but only with respect to their duties nitee; and as your managers. Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 11 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 d. An organization other than a partnership, damages because of the injury joint venture or limited liability company, described in paragraph (1)(a) or (b) you are an insured. Your "executive of- above; or ficers" and directors are insureds, but only with respect to their duties as your of- (d) arising out of his or her providing ficers or directors. Your stockholders are or failing to provide professional also insureds, but only with respect to health care services. their liability as stockholders. (2) "Property damage" to property: e. A trust, you are an insured. Your trustees are also insureds, but only with respect to (a) owned, occupied or used by; their duties as trustees. (b) rented to, in the care, custody or 2. Each of the following is also an insured: control of, or over which physical control is being exercised for any a. Your "volunteer workers" only while per- purpose by; forming duties related to the conduct of you, any of your "employees", "volun- your business, or your "employees," other teer workers", any partner or member than either your "executive officers" (if (if you are a partnership or joint ven- you are an organization other than a part- ture), or any member (if you are a nership, joint venture or limited liability limited liability company). company) or your managers (if you are a limited liability company), but only for acts b. Any person (other than your "employee" or within the scope of their employment by "volunteer worker"), or any organization you or while performing duties related to while acting as your real estate manager. the conduct of your business. However, none of these "employees" or "volunteer c. Any person or organization having proper workers" are insureds for: temporary custody of your property if you die, but only: (1) "Bodily injury" or "personal and ad- vertising injury": (1) with respect to liability arising out of the maintenance or use of that prop- (a) to you, to your partners or mem- erty; and bers (if you are a partnership or joint venture), to your members (2) until your legal representative has been (if you are a limited liability com- appointed. pany), to a co-"employee" while in the course of his or her em- d. Your legal representative if you die, but ployment or performing duties only with respect to duties as such. That related to the conduct of your representative will have all your rights and business, or to your other "volun- duties under this Coverage Part. teer workers" while performing duties related to the conduct of 3. Any organization you newly acquire or form, your business; other than a partnership, joint venture or limited liability company, and over which you (b) to the spouse, child, parent, maintain ownership or majority interest, will brother or sister of that co-"em- qualify as a named insured if there is no other ployee" or "volunteer worker" as similar insurance available to that organization. a consequence of paragraph (1)(a) However: above; a. coverage under this provision is afforded (c) for which there is any obligation only until the 90th day after you acquire to share damages with or repay or form the organization or the end of the someone else who must pay policy period, whichever is earlier; Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 12 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 b. Coverage A does not apply to "bodily in- 5. Subject to paragraph 2. or 3. above, which- jury" or "property damage" that occurred ever applies, the Each Occurrence Limit is the before you acquired or formed the or- most we will pay for the sum of: ganization; and a. damages under Coverage A; and c. Coverage B does not apply to "personal and advertising injury" arising out of an b. medical expenses under Coverage C offense committed before you acquired or formed the organization. because of all "bodily injury" and "property damage" arising out of any one "occurrence". No person or organization is an insured with re- spect to the conduct of any current or past part- 6. Subject to paragraph 5. above, the Damage to nership, joint venture or limited liability company Premises Rented to You Limit is the most we that is not shown as a named insured in the Dec- will pay under Coverage A for damages be- larations. cause of "property damage" to any one prem- ises, while rented to you, or in the case of damage by fire, while rented to you or tem- porarily occupied by you with permission of the owner. 1. The Limits of Insurance shown in the Declara- tions and the rules below fix the most we will 7. Subject to paragraph 5. above, the Medical pay regardless of the number of: Expense Limit is the most we will pay under Coverage C for all medical expenses because a. insureds; of "bodily injury" sustained by any one person. b. claims made or "suits" brought; or The Limits of Insurance of this Coverage Part apply separately to each consecutive annual pe- c. persons or organizations making claims or riod and to any remaining period of less than 12 bringing "suits." months, starting with the beginning of the policy period shown in the Declarations, unless the poli- 2. The General Aggregate Limit is the most we cy period is extended after issuance for an addi- will pay for the sum of: tional period of less than 12 months. In that case, the additional period will be deemed part of the a. medical expenses under Coverage C; last preceding period for purposes of determin- ing the Limits of Insurance. b. damages under Coverage A, except dam- SECTION IV - COMMERCIAL GENERAL LIABIL- ages because of "bodily injury" or "prop- ITY CONDITIONS erty damage" included in the "products- completed operations hazard"; and 1. Bankruptcy c. damages under Coverage B. Bankruptcy or insolvency of the Insured or of the Insured's estate will not relieve us of our 3. The Products-Completed Operations Aggre- obligations under this Coverage Part. gate Limit is the most we will pay under Cov- erage A for damages because of "bodily in- 2. Duties in the Event of Occurrence, Offense, jury" and "property damage" included in the Claim or Suit "products-completed operations hazard". a. You must see to it that we are notified as 4. Subject to paragraph 2. above, the Personal soon as practicable of an "occurrence" or and Advertising Injury Limit is the most we will an offense which may result in a claim. To pay under Coverage B for the sum of all the extent possible, notice should include: damages because of all "personal and adver- tising injury" sustained by any one person or (1) how, when and where the "occur- organization. rence" or offense took place; Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 13 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 (2) the names and addresses of any in- b. to sue us on this Coverage Part unless all jured persons and witnesses; and of its terms have been fully complied with. (3) the nature and location of any injury or A person or organization may sue us to re- damage arising out of the "occurrence" cover on an agreed settlement or on a final or offense. judgment against an insured; but we will not be liable for damages that are not payable b. If a claim is made or "suit" is brought under the terms of this Coverage Part or that against any insured, you must: are in excess of the applicable Limit of Insur- ance. An agreed settlement means a settle- (1) immediately record the specifics of ment and release of liability signed by us, the the claim or "suit" and the date re- Insured and the claimant or the claimant's legal ceived; and representative. (2) notify us as soon as practicable. 4. Other Insurance You must see to it that we receive written If other valid and collectible insurance is avail- notice of the claim or "suit" as soon as able to the Insured for a loss we cover under practicable. Coverages A or B of this Coverage Part, our obligations are limited as follows: c. You and any other involved insured must: a. Primary Insurance (1) immediately send us copies of any de- This insurance is primary except when mands, notices, summonses or legal paragraph b. below applies. If this insur- papers received in connection with the ance is primary, our obligations are not claim or "suit"; affected unless any of the other insurance is also primary. Then, we will share with all (2) authorize us to obtain records and that other insurance by the method de- other information; scribed in paragraph c. below. (3) cooperate with us in the investigation b. Excess Insurance or settlement of the claim or defense against the "suit"; and (1) This insurance is excess over: (4) assist us, upon our request, in the en- (a) Any of the other insurance, forcement of any right against any whether primary, excess, contin- person or organization which may be gent or on any other basis: liable to the Insured because of injury or damage to which this insurance may (i) that is Fire, Extended Cov- also apply. erage, Builder's Risk, Installa- pp y. tion Risk or similar coverage d. No insured will, except at that Insured's for "your work"; own cost, voluntarily make a payment, as- ii that is Fire insurance for sume any obligation, or incur any expense, ( ) premises rented to you or other than for first aid, without our con- temporarily occupied by you sent. with permission of the own- er; 3. Legal Action Against Us (iii) that is insurance purchased No person or organization has a right under by you to cover your liability this Coverage Part: as a tenant for "property damage" to premises rented a. to join us as a party or otherwise bring us to you or temporarily occu- into a "suit" asking for damages from an pied by you with permission insured; or of the owner; or Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 14 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 (iv) if the loss arises out of the has paid its applicable Limit of Insurance maintenance or use of air- or none of the loss remains, whichever craft, "autos" or watercraft comes first. to the extent not subject to exclusion g. of SECTION I - If any of the other insurance does not COVERAGE A - Bodily In- permit contribution by equal shares, we jury and Property Damage will contribute by limits. Under this meth- Liability. od, each insurer's share is based on the ratio of its applicable Limit of Insurance to (b) Any other primary insurance the total applicable Limits of Insurance of available to you covering liability all insurers. for damages arising out of the premises or operations, or the 5. Premium Audit products and completed oper- ations, for which you have been a. We will compute all premiums for this added as an additional insured. Coverage Part in accordance with our rules and rates. (2) When this insurance is excess, we will have no duty under Coverages A or B b. Premium shown in this Coverage Part as to defend the Insured against any "suit" advance premium is a deposit premium if any other insurer has a duty to de- only. At the close of each audit period we fend the Insured against that "suit." If will compute the earned premium for that no other insurer defends, we will un- period and send notice to the first Named dertake to do so, but we will be en- Insured. The due date for audit and ret- titled to the Insured's rights against all rospective premiums is the date shown as those other insurers. the due date on the bill. If the sum of the advance and audit premiums paid for the (3) When this insurance is excess over policy period is greater than the earned other insurance, we will pay only our premium, we will return the excess to the share of the amount of the loss, if any, first Named Insured. that exceeds the sum of: c. The first Named Insured must keep (a) the total amount that all such oth- records of the information we need for er insurance would pay for the premium computation, and send us copies loss in the absence of this insur- at such times as we may request. ance; and 6. Representations (b) the total of all deductible and self-insured amounts under all By accepting this Policy, you agree: that other insurance. a. the statements in the Declarations are ac- (4) We will share the remaining loss, if curate and complete; any, with any other insurance that is not described in this Excess Insur- b. those statements are based upon repre- ance Provision and was not bought sentations you made to us; and specifically to apply in excess of the Limits of Insurance shown in the Dec- c. we have issued this Policy in reliance upon larations of this Coverage Part. your representations. c. Method of Sharing 7. Separation of Insureds If all of the other insurance permits con- Except with respect to the Limits of Insur- tribution by equal shares, we will follow ance, and any rights or duties specifically as- this method also. Under this approach each signed in this Coverage Part to the first insurer contributes equal amounts until it Named Insured, this insurance applies: Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 15 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 a. as if each named insured were the only b. any other land vehicle that is subject to a named insured; and compulsory or financial responsibility law or other motor vehicle insurance law b. separately to each insured against whom where it is licensed or principally garaged. claim is made or "suit" is brought. However, "auto" does not include "mobile 8. Transfer of Rights of Recovery Against equipment." Others to Us 3. "Bodily injury" means bodily injury, sickness If the Insured has rights to recover all or part or disease sustained by a person, including of any payment we have made under this death resulting from any of these at any time. Coverage Part, those rights are transferred to us. The Insured must do nothing after loss to 4. "Coverage territory" means: impair them. At our request, the Insured will bring "suit" or transfer those rights to us and a. the United States of America (including its help us enforce them. territories and possessions), Puerto Rico and Canada; 9. When We Do Not Renew b. international waters or airspace, but only if If we decide not to renew this Coverage Part, the injury or damage occurs in the course we will mail or deliver to the first Named of travel or transportation between any Insured shown in the Declarations written no- places included in paragraph a. above; or tice of the nonrenewal not less than 30 days before the expiration date. c. all other parts of the world if the injury or damage arises out of: If notice is mailed, proof of mailing will be sufficient proof of notice. (1) goods or products made or sold by you in the territory described in para- SECTION V - DEFINITIONS graph a. above; 1. "Advertisement" means a notice that is (2) the activities of a person whose home broadcast or published to the general public is in the territory described in para- or specific market segments about your graph a. above, but is away for a short goods, products or services for the purpose time on your business; or of attracting customers or supporters. For the purposes of this definition: (3) "personal and advertising injury" of- fenses that take place through the In- a. notices that are published include material ternet or similar electronic means of placed on the Internet or on similar elec- communication; tronic means of communication; and provided the Insured's responsibility to pay b. regarding web sites, only that part of a damages is determined in a "suit" on the mer- web site that is about your goods, pro- its, in the territory described in paragraph a. ducts or services for the purposes of above or in a settlement we agree to. attracting customers or supporters is considered an advertisement. 5. "Employee" includes a "leased worker". "Em- ployee" does not include a "temporary work- 2. "Auto" means: er". a. a land motor vehicle, trailer or semitrailer 6. "Executive officer" means a person holding designed for travel on public roads, in- any of the officer positions created by your cluding any attached machinery or equip- charter, constitution, bylaws or any other ment; or similar governing document. Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 16 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 7. "Hostile fire" means one which becomes un- Paragraph f. does not include that part of controllable or breaks out from where it was any contract or agreement: intended to be. (1) that indemnifies a railroad for "bodily 8. "Impaired property" means tangible prop- injury" or "property damage" arising erty, other than "your product" or "your out of construction or demolition op- work", that cannot be used or is less useful erations, within 50 feet of any railroad because: property and affecting any railroad bridge or trestle, tracks, road-beds, a. it incorporates "your product" or "your tunnel, underpass or crossing; work" that is known or thought to be de- fective, deficient, inadequate or danger- (2) that indemnifies an architect, engineer ous; or or surveyor for injury or damage aris- b. you have failed to fulfill the terms of a ing out of: contract or agreement; (a) preparing, approving, or failing to if such property can be restored to use by prepare or approve, maps, shop the repair, replacement, adjustment or remov- drawings, opinions, reports, sur- al of "your product" or "your work" or your veys, field orders, change orders fulfilling the terms of the contract or agree- or drawings and specifications; or ment. (b) giving directions or instructions, 9. "Insured contract" means: or failing to give them, if that is the primary cause of the injury or a. a contract for a lease of premises. How- damage; or ever, that portion of the contract for a lease of premises that indemnifies any (3) under which the Insured, if an archi- person or organization for damage by fire tect, engineer or surveyor, assumes Zi- to premises while rented to you or tem- ability for an injury or damage arising porarily occupied by you with permission out of the Insured's rendering or fail- of the owner is not an "insured contract"; ure to render professional services, including those listed in (2) above and b. a sidetrack agreement; supervisory, inspection, architectural or engineering activities. c. any easement or license agreement, ex- cept in connection with construction or 10. "Leased worker" means a person leased to demolition operations on or within 50 feet you by a labor leasing firm under an agree- of a railroad; ment between you and the labor leasing firm, to perform duties related to the conduct of d. an obligation, as required by ordinance, to your business.your worker" does not in- indemnify a municipality, except in con- clude a "temporary worker." nection with work for a municipality; e. an elevator maintenance agreement; 11. "Loading or unloading" means the handling of property: f. that part of any other contract or agree- ment pertaining to your business (including a. after it is moved from the place where it an indemnification of a municipality in is accepted for movement into or onto an connection with work performed for a aircraft, watercraft or "auto"; municipality) under which you assume the tort liability of another party to pay for b. while it is in or on an aircraft, watercraft "bodily injury" or "property damage" to a or "auto"; or third person or organization. Tort liability means a liability that would be imposed by c. while it is being moved from an aircraft, law in the absence of any contract or watercraft or "auto" to the place where it agreement. is finally delivered; Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 17 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 but "loading or unloading" does not include the (1) equipment designed primarily for: movement of property by means of a me- chanical device, other than a hand truck, that is (a) snow removal; not attached to the aircraft, watercraft or "auto". (b) road maintenance, but not con- struction or resurfacing; or 12. "Mobile equipment" means any of the fol- lowing types of land vehicles, including any (c) street cleaning; attached machinery or equipment: (2) cherry pickers and similar devices a. bulldozers, farm machinery, forklifts and mounted on automobile or truck chas- other vehicles designed for use principally sis and used to raise or lower work- off public roads; ers; and b. vehicles maintained for use solely on or (3) air compressors, pumps and gener- next to premises you own or rent; ators, including spraying, welding, building cleaning, geophysical explora- c. vehicles that travel on crawler treads; tion, lighting and well servicing equip- ment. d. vehicles, whether self-propelled or not, maintained primarily to provide mobility to However, "mobile equipment" does not include permanently mounted: any land vehicles that are subject to a com- pulsory or financial responsibility law or other (1) power cranes, shovels, loaders, dig- motor vehicle insurance law where it is ti- gers or drills; or censed or principally garaged. Land vehicles subject to a compulsory or financial respon- (2) road construction or resurfacing sibility law or other motor vehicle insurance equipment such as graders, scrapers law are considered "autos". or rollers; 13. "Occurrence" means an accident, including e. vehicles not described in paragraph a., b., continuous or repeated exposure to substan- c. or d. above that are not self-propelled tially the same general harmful conditions. and are maintained primarily to provide mobility to permanently attached equip- 14. "Personal and advertising injury" means in- ment of the following types: jury, including consequential "bodily injury," arising out of one or more of the following (1) air compressors, pumps and gener- offenses: ators, including spraying, welding, building cleaning, geophysical explora- a. false arrest, detention or imprisonment; tion, lighting and well servicing equip- ment; or b. malicious prosecution; (2) cherry pickers and similar devices c. the wrongful eviction from, wrongful en- used to raise or lower workers; try into, or invasion of the right of private occupancy of a room, dwelling or prem- f. vehicles not described in paragraph a., b., ises that a person occupies, committed by c. or d. above maintained primarily for or on behalf of its owner, landlord or purposes other than the transportation of lessor; persons or cargo. d. oral or written publication, in any manner, However, self-propelled vehicles with the of material that slanders or libels a person following types of permanently attached or organization or disparages a person's equipment are not "mobile equipment" but or organization's goods, products or ser- will be considered "autos": vices; Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 18 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 e. oral or written publication, in any manner, b. Does not include "bodily injury" or "prop- of material that violates a person's right of erty damage" arising out of: privacy; (1) the transportation of property, unless f. the use of another's advertising idea in the injury or damage arises out of a your "advertisement"; or condition in or on a vehicle not owned or operated by you, and that condition was created by the "loading or un- g. infringing upon another's copyright, trade loading" of that vehicle by any insured; dress or slogan in your "advertisement". (2) the existence of tools, uninstalled 15. "Pollutants" mean any solid, liquid, gaseous equipment or abandoned or unused or thermal irritant or contaminant, including materials; or smoke, vapor, soot, fumes, acids, alkalis, (3) products or operations for which the chemicals and waste. Waste includes materials classification, listed in the Declarations to be recycled, reconditioned or reclaimed. or in a policy Schedule, states that products-completed operations are 16. "Products-completed operations hazard": subject to the General Aggregate Limit. a. Includes all "bodily injury" and "property 17. "Property damage" means: damage" occurring away from premises you own or rent and arising out of "your a. physical injury to tangible property, in- product" or "your work" except: cluding all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the phys- (1) products that are still in your physical ical injury that caused it; or possession; or b. loss of use of tangible property that is not (2) work that has not yet been completed physically injured. All such loss of use or abandoned. However, "your work" shall be deemed to occur at the time of will be deemed completed at the earli- the "occurrence" that caused it. est of the following times: For the purposes of this insurance, electronic data is not tangible property. (a) When all of the work called for in your contract has been complet- As used in this definition, electronic data ed. means information, facts or programs stored as or on, created or used on, or transmitted (b) When all of the work to be done to or from computer software, including sys- at the job site has been com- tems and applications software, hard or flop- pleted if your contract calls for py disks, CD-ROMs, tapes, drives, cells, data work at more than one job site. processing devices or any other media which are used with electronically controlled equip- ment. (c) When that part of the work done at a job site has been put to its 18. "Suit" means a civil proceeding in which intended use by any person or damages because of "bodily injury", "property organization other than another damage" or "personal and advertising injury" to contractor or subcontractor which this insurance applies are alleged. "Suit" working on the same project. includes: Work that may need service, main- a. an arbitration proceeding in which such tenance, correction, repair or replace- damages are claimed and to which the In- ment, but which is otherwise com- sured must submit or does submit with plete, will be treated as completed. our consent; or Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 19 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 b. any other alternative dispute resolution b. Includes: proceeding in which such damages are claimed and to which the Insured submits (1) warranties or representations made at with our consent. any time with respect to the fitness, quality, durability, performance or use 19. "Temporary worker" means a person who is of "your product"; and furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short-term workload conditions. (2) the providing of or failure to provide warnings or instructions. 20. "Volunteer worker" means a person who is not your "employee", and who donates his or c. Does not include vending machines or her work and acts at the direction of and other property rented to or located for within the scope of duties determined by you, the use of others but not sold. and is not paid a fee, salary or other com- pensation by you or anyone else for their work performed for you. 22. "Your work": 21. "Your product": a. Means: a. Means: (1) work or operations performed by you (1) any goods or products, other than real or on your behalf; and property, manufactured, sold, handled, distributed or disposed of by: (2) materials, parts or equipment furnished (a) you; in connection with such work or op- erations. (b) others trading under your name; or b. Includes: (c) a person or organization whose (1) warranties or representations made at business or assets you have ac- any time with respect to the fitness, quired; and quality, durability, performance or use (2) containers (other than vehicles), ma- of "your work"; and terials, parts or equipment furnished in connection with such goods or pro- (2) the providing of or failure to provide ducts. warnings or instructions. Copyright, ISO Properties, Inc., 2012 CG 00 01 (Ed. 04/13) (Page 20 of 20) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 20 02 (Ed. 11 85) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - CLUB MEMBERS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART. WHO IS AN INSURED (Section II) is amended to include as an insured any of your members, but only with respect to their liability for your activities or activities they perform on your behalf. CG 20 02 (Ed. 11/85) XS * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 21 06 (Ed. 05 14) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA-RELATED LIABILITY - WITH LIMITED BODILY INJURY EXCEPTION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.p. of SECTION I - COVERAGE A As used in this exclusion, electronic - Bodily Injury and Property Damage Li- data means information, facts or pro- ability is replaced by the following: grams stored as or on, created or used on, or transmitted to or from 2. Exclusions computer software, including systems and applications software, hard or This insurance does not apply to: floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any p. Access or Disclosure of Confiden- other media which are used with elec- tial or Personal Information and tronically controlled equipment. Data-related Liability Damages arising out of: B. The following is added to paragraph 2. Exclu- sions of SECTION I - COVERAGE B - Per- (1) any access to or disclosure of sonal and Advertising Injury Liability: any person's or organization's confidential or personal informa- 2. Exclusions tion, including patents, trade se- crets, processing methods, cus- This insurance does not apply to: tomer lists, financial information, credit card information, health in- Access or Disclosure of Confidential or formation or any other type of Personal Information nonpublic information; or (2) the loss of, loss of use of, dam- "Personal and advertising injury" arising out age to, corruption of, inability to of any access to or disclosure of any access, or inability to manipulate person's or organization's confidential or electronic data. personal information, including patents, trade secrets, processing methods, cus- This exclusion applies even if damages tomer lists, financial information, credit are claimed for notification costs, card information, health information or any credit monitoring expenses, forensic other type of nonpublic information. expenses, public relations expenses or any other loss, cost or expense in- This exclusion applies even if damages are curred by you or others arising out of claimed for notification costs, credit mon- that which is described in paragraph (1) itoring expenses, forensic expenses, pub- or (2) above. lic relations expenses or any other loss, cost or expense incurred by you or others However, unless paragraph (1) above arising out of any access to or disclosure applies, this exclusion does not apply of any person's or organization's confi- to damages because of "bodily injury." dential or personal information. Copyright, Insurance Services Office, Inc., 2013 CG 21 06 (Ed. 05/14) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG2147 (Ed. 12 07) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT-RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to paragraph B. The following exclusion is added to paragraph 2., Exclusions of Section I - Coverage A - 2., Exclusions of Section I - Coverage B - Bodily Injury and Property Damage Liability: Personal and Advertising Injury Liability: This insurance does not apply to: This insurance does not apply to: "Bodily injury" to: "Personal and advertising injury" to: (1) a person arising out of any: (1) a person arising out of any: (a) refusal to employ that person; (a) refusal to employ that person; (b) termination of that person's employ- (b) termination of that person's employ- ment; or ment; or (c) employment-related practices, poli- cies, acts or omissions, such as coer- (c) employment-related practices, poli- cion, demotion, evaluation, reassign- cies, acts or omissions, such as coer- ment, discipline, defamation, harass- cion, demotion, evaluation, reassign- ment, humiliation, discrimination or ment, discipline, defamation, harass- malicious prosecution directed at that ment, humiliation, discrimination or malicious prosecution directed at that person; or person; or (2) the spouse, child, parent, brother or sister of that person as a consequence of (2) the spouse, child, parent, brother or sister "bodily injury" to that person at whom any of that person as a consequence of "per- of the employment-related practices de- sonal and advertising injury" to that person scribed in paragraphs (a), (b) or (c) above at whom any of the employment-related is directed. practices described in paragraphs (a), (b) or (c) above is directed. This exclusion applies: This exclusion applies: (1) whether the injury-causing event de- scribed in paragraphs (a), (b) or (c) (1) whether the injury-causing event de- above occurs before employment, scribed in paragraphs (a), (b) or (c) above during employment or after employ- occurs before employment, during em- ment of that person; ployment or after employment of that person; (2) whether the Insured may be liable as an employer or in any other capacity; (2) whether the Insured may be liable as an and employer or in any other capacity; and (3) to any obligation to share damages (3) to any obligation to share damages with or with or repay someone else who must repay someone else who must pay dam- pay damages because of the injury. ages because of the injury. Copyright, ISO Properties, Inc., 2006 CG 21 47 (Ed. 12/07) XS * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG2167 (Ed. 12 04) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to paragraph B. The following exclusion is added to paragraph 2. Exclusions of SECTION I - Coverage A - 2. Exclusions of SECTION I - Coverage B - Bodily Injury and Property Damage Liability: Personal and Advertising Injury Liability: 2. Exclusions 2. Exclusions This insurance does not apply to: This insurance does not apply to: Fungi or Bacteria Fungi or Bacteria a. "Personal and advertising injury" which would not have taken place, in whole a. "Bodily injury" or "property damage" or in part, but for the actual, alleged or which would not have occurred, in threatened inhalation of, ingestion of, whole or in part, but for the actual, contact with, exposure to, existence alleged or threatened inhalation of, in- of, or presence of any "fungi" or bac- gestion of, contact with, exposure to, teria on or within a building or struc- existence of, or presence of, any ture, including its contents, regardless "fungi" or bacteria on or within a of whether any other cause, event, building or structure, including its con- material or product contributed con- tents, regardless of whether any other currently or in any sequence to such cause, event, material or product con- injury. tributed concurrently or in any se- quence to such injury or damage. b. Any loss, cost or expense arising out of the abating, testing for, monitoring, cleaning up, removing, containing, b. Any loss, cost or expenses arising out treating, detoxifying, neutralizing, re- of the abating, testing for, monitoring, mediating or disposing of, or in any cleaning up, removing, containing, way responding to, or assessing the treating, detoxifying, neutralizing, re- effects of, "fungi" or bacteria, by any mediating or disposing of, or in any insured or by any other person or en- way responding to, or assessing the tits. effects of, "fungi" or bacteria, by any insured or by any other person or en- C. The following definition is added to the Defi- tity. nitions Section: This exclusion does not apply to any "Fungi" means any type or form of fungus, "fungi" or bacteria that are, are on, or are including mold or mildew and any mycotoxins, contained in, a good or product intended spores, scents or byproducts produced or for bodily consumption. released by fungi. Copyright, ISO Properties, Inc., 2003 CG 21 67 (Ed. 12/04) XS * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 21 76 (Ed. 01/15) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added: 1. The act resulted in insured losses in ex- cess of $5 million in the aggregate, attrib- This insurance does not apply to: utable to all types of insurance subject to the Terrorism Risk Insurance Act; and TERRORISM PUNITIVE DAMAGES Damages arising, directly or indirectly, out of 2. The act is a violent act or an act that is a "certified act of terrorism" that are awarded dangerous to human life, property or in- as punitive damages. frastructure and is committed by an in- dividual or individuals as part of an effort B. The following definition is added: to coerce the civilian population of the United States or to influence the policy or "Certified act of terrorism" means an act that affect the conduct of the United States is certified by the Secretary of the Treasury, Government by coercion. in accordance with the provisions of the fed- eral Terrorism Risk Insurance Act, to be an act C. The terms and limitations of any terrorism of terrorism pursuant to such Act. The criteria exclusion, or the inapplicability or omission of contained in the Terrorism Risk Insurance Act a terrorism exclusion, do not serve to create for a "certified act of terrorism" include the coverage for injury or damage that is other- following: wise excluded under this Coverage Part. ©Insurance Services Office, Inc., 2015 CG 21 76 (Ed. 01/15) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 24 26 (Ed. 04 13) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF INSURED CONTRACT DEFINITION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART The definition of "insured contract" in the Defini- your assumption of the tort liability is permit- tions section is replaced by the following: ted by law. Tort liability means a liability that would be imposed by law in the absence of "Insured contract" means: any contract or agreement. a. a contract for a lease of premises. However, Paragraph f. does not include that part of any that portion of the contract for a lease of contract or agreement: premises that indemnifies any person or or- ganization for damage by fire to premises (1) that indemnifies a railroad for "bodily in- while rented to you or temporarily occupied jury" or "property damage" arising out of by you with permission of the owner is not an construction or demolition operations, "insured contract"; within 50 feet of any railroad property and affecting any railroad bridge or tres- b. a sidetrack agreement; tle, tracks, road-beds, tunnel, underpass or crossing; c. any easement or license agreement, except in connection with construction or demolition (2) that indemnifies an architect, engineer or operations on or within 50 feet of a railroad; surveyor for injury or damage arising out of: d. an obligation, as required by ordinance, to in- demnify a municipality, except in connection (a) preparing, approving, or failing to pre- with work for a municipality; pare or approve, maps, shop drawings, opinions, reports, surveys, field or- e. an elevator maintenance agreement; ders, change orders or drawings and specifications; or f. that part of any other contract or agreement pertaining to your business (including an in- (b) giving directions or instructions, or demnification of a municipality in connection failing to give them, if that is the pri- with work performed for a municipality) under mary cause of the injury or damage; or which you assume the tort liability of another party to pay for "bodily injury" or "property (3) under which the Insured, if an architect, damage" to a third person or organization, engineer or surveyor, assumes liability for provided the "bodily injury" or "property dam- an injury or damage arising out of the age" is caused, in whole or in part, by you or Insured's rendering or failure to render by those acting on your behalf. However, such professional services, including those list- part of a contract or agreement shall only be ed in (2) above and supervisory, inspec- considered an "insured contract" to the extent tion, architectural or engineering activities. Copyright, ISO Properties, Inc., 2012 CG 24 26 (Ed. 04/13) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 84 40 (Ed. 08 09) COORDINATION OF LIMITS ENDORSEMENT This endorsement modifies insurance provided under the following: PROFESSIONAL LIABILITY INSURANCE COMMERCIAL GENERAL LIABILITY ABUSE OR MOLESTATION COVERAGE 1. This endorsement applies if we have issued to to that entire claim, "claim" (if the Cov- you an Abuse or Molestation Coverage erage Form defines "claim") or "suit Form, whether on a claims-made basis or otherwise, and either: d. no part of the Limits of Insurance of any Coverage Form described in 2.b. (1) a. a Professional Liability Insurance Cov- through 2.b. (3) applies to any part of that erage Form, whether on a claims-made claim, "claim" (if the Coverage Form de- basis or otherwise; fines "claim"), or "suit"; and b. a Commercial General Liability Cover- e. our total potential liability for that entire age Form, whether on a claims-made ba- claim, "claim" (if the Coverage Form de- sis or otherwise; or fines "claim"), or "suit" will not exceed the c. both a. and b. applicable Limits of Insurance of the Abuse or Molestation Coverage Form. 2. If we have both: 3. The foregoing applies regardless: a. either a duty to defend or a duty to in- demnify any one or more insureds under a. whether we learn that insurance under the the Abuse or Molestation Coverage Abuse or Molestation Coverage Form Form with respect to all or any part of a and insurance under another Coverage claim, "claim" (if the Coverage Form de- Form apply to the same claim, "claim" (if fines "claim"), or "suit"; and the Coverage Form defines "claim"), or "suit": b. either a duty to defend or a duty to in- demnify any one or more insureds under (1) when we receive initial notice of the either: claim, "claim" (if the Coverage Form defines "claim"), or "suit," or thereafter; (1) the Professional Liability Insurance Coverage Form; (2) from the initial pleadings in a "suit" or an amended pleading during discovery, (2) the Commercial General Liability at trial, during an appeal, or at any Coverage Form; or other time. (3) both a. and b.; b. the number or kinds of: with respect to all or any part of the same claim, "claim" (if the Coverage Form de- (1) theories of recovery asserted in the fines "claim"), or "suit" claim or 'claim" (if the Coverage Form defines "claim"), or pleaded or asserted then: in the "suit"; c. the applicable Limits of Insurance of the (2) the number or kinds of counts, causes Abuse or Molestation Coverage Form of action, or prayers for relief pleaded are the only Limits of Insurance that apply or asserted in the "suit." CG 84 40 (Ed. 08/09) XS * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 84 81 (Ed. 08 14) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - ORGANIC PATHOGENS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE FORM The following is added to COMMERCIAL GEN- contain, treat, detoxify or neutralize, or in ERAL LIABILITY COVERAGE FORM, SECTION I - any way respond to, or assess the effects COVERAGES, Coverage A. Bodily Injury and of any "organic pathogen," or Property Damage Liability, 2. Exclusions and Coverage B. Personal and Advertising Injury, 2. (ii) claim or "suit" by or on behalf of a gov- Exclusions or PRODUCTS/COMPLETED OPER- ernmental authority for damages because ATIONS LIABILITY COVERAGE FORM, SECTION of testing for, monitoring, cleaning up, re- I - COVERAGES PRODUCTS/COMPLETED OP- moving, containing, treating, detoxifying or ERATIONS, 2. Exclusions: neutralizing, or in any way responding to, or assessing the effects of any "organic pathogen." Organic Pathogens The following definition is added to the Defini- a. "Bodily injury," "property damage," or "per- tions Section: sonal and advertising injury" arising out of any actual, alleged or threatened infectious, "Organic pathogen" means any: pathogenic, toxic or other harmful properties of any "organic pathogen." A. bacteria; mildew, mold or other fungi; other microorganisms; or mycotoxins, spores or other by-products of any of the foregoing; b. Any loss, cost or expense arising out of any: B. viruses or other pathogens (whether or not a (i) request, demand, order or statutory or microorganism); or regulatory requirement that any insured or others test for, monitor, clean up, remove, C. colony or group of any of the foregoing. This endorsement does not change any other provision of the Policy. CG 84 81 (Ed. 08/14) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 90 82 (Ed. 06/17) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - PROFESSIONAL SERVICES This endorsement modifies and is subject to the insurance provided under the following form: COMMERCIAL GENERAL LIABILITY COVERAGE PART 1. The following exclusion is added to paragraph 2. Exclusions of SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability and paragraph 2. Exclusions of SECTION I - COVERAGE B - Personal and Advertising Injury Liability: This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" due to the rendering of or failure to render any "professional service". This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that Insured, if the "occurrence" which caused the "bodily injury" or "property damage", or the offense which caused the "personal and advertising injury", involved the rendering of or failure to render any "professional service". 2. The following is added to SECTION V. DEFINITIONS: a. "Professional Services" includes any service: 1. that involves specialized education, knowledge, labor, judgment, and skill, and is predominantly mental or intellectual (as opposed to physical or manual) in nature. b. "Professional Services" includes the following: 1. advice, guidance, or assistance; 2. counseling; 3. social work: 4. therapy; 5. daycare; 6. nursing or health care; 7. educational instruction or teaching; 8. job training, job placement, job referral, and vocational services; and 9. other services of the kind described in a., above. c. "Professional Services" includes the furnishing, dispensing, or administration of any prescription drug. Includes copyrighted material of Insurance Services Office, Inc., with its permission. CG 90 82 (Ed. 06/17) (Page 1 of 1) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 21 71 (Ed. 01/15) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF OTHER ACTS OF TERRORISM COMMITTED OUTSIDE THE UNITED STATES; CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added: a. Physical injury that involves a substan- tial risk of death; or This insurance does not apply to: TERRORISM b. Protracted and obvious physical dis- figurement; or "Any injury or damage" arising, directly or in- directly, out of an "other act of terrorism" c. Protracted loss of or impairment of that is committed outside of the United States the function of a bodily member or (including its territories and possessions and organ; or Puerto Rico), but within the "coverage terri- tory". However, this exclusion applies only 3. The terrorism involves the use, release or when one or more of the following are at- escape of nuclear materials, or directly or tributed to such act: indirectly results in nuclear reaction or ra- diation or radioactive contamination; or 1. The total of insured damage to all types of property exceeds $25,000,000 (valued in 4. The terrorism is carried out by means of U.S. dollars). In determining whether the the dispersal or application of pathogenic $25,000,000 threshold is exceeded, we or poisonous biological or chemical ma- will include all insured damage sustained terials; or by property of all persons and entities affected by the terrorism and business in- terruption losses sustained by owners or 5. Pathogenic or poisonous biological or occupants of the damaged property. For chemical materials are released, and it ap- the purpose of this provision, insured pears that one purpose of the terrorism damage means damage that is covered by was to release such materials. any insurance plus damage that would be covered by any insurance but for the ap- With respect to this exclusion, Paragraphs 1. plication of any terrorism exclusions; or and 2. describe the thresholds used to mea- sure the magnitude of an incident of an "other 2. Fifty or more persons sustain death or act of terrorism" and the circumstances in serious physical injury. For the purposes which the threshold will apply for the purpose of this provision, serious physical injury of determining whether this exclusion will ap- means: ply to that incident. ©Insurance Services Office, Inc., 2015 CG 21 71 (Ed. 01/15) (Page 1 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 B. The following definitions are added: (b) The premises of any United States mission; and 1. For the purposes of this endorsement, "any injury or damage" means any injury or c. The act is a violent act or an act that is damage covered under any Coverage Part dangerous to human life, property or to which this endorsement is applicable, infrastructure and is committed by an and includes but is not limited to "bodily individual or individuals as part of an injury", "property damage", "personal and advertising injury", "injury" or "environ- effort to coerce the civilian population of the United States or to influence mental damage" as may be defined in any applicable Coverage Part. the policy or affect the conduct of the United States Government by coercion. 2. "Certified act of terrorism" means an act that is certified by the Secretary of the 3. "Other act of terrorism" means a violent Treasury, in accordance with the provi- act or an act that is dangerous to human sions of the federal Terrorism Risk Insur- life, property or infrastructure that is ance Act, to be an act of terrorism pursu- committed by an individual or individuals ant to such Act. The criteria contained in and that appears to be part of an effort to the Terrorism Risk Insurance Act for a coerce a civilian population or to influence "certified act of terrorism" include the the policy or affect the conduct of any following: government by coercion, and the act is not a "certified act of terrorism". a. The act resulted in insured losses in excess of $5 million in the aggregate, Multiple incidents of an "other act of ter- attributable to all types of insurance rorism" which occur within a seventy-two subject to the Terrorism Risk Insur- hour period and appear to be carried out ance Act; in concert or to have a related purpose or b. The act resulted in damage: common leadership shall be considered to be one incident. (1) Within the United States (including its territories and possessions C. The terms and limitations of any terrorism and Puerto Rico); or exclusion, or the inapplicability or omission of a terrorism exclusion, do not serve to create (2) Outside of the United States in coverage for injury or damage that is other- the case of: wise excluded under this Coverage Part. (a) An air carrier (as defined in Section 40102 of title 49, D. If aggregate insured losses attributable to ter- United States Code) or Unit- rorist acts certified under the federal Terror- ed States flag vessel (or a ism Risk Insurance Act exceed $100 billion in vessel based principally in a calendar year and we have met our insurer the United States, on which deductible under the Terrorism Risk Insurance United States income tax is Act, we shall not be liable for the payment of paid and whose insurance any portion of the amount of such losses that coverage is subject to regu- exceeds $100 billion, and in such case insured lation in the United States), losses up to that amount are subject to pro regardless of where the loss rata allocation in accordance with procedures occurs; or established by the Secretary of the Treasury. ©Insurance Services Office, Inc., 2015 CG 21 71 (Ed. 01/15) (Page 2 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG8361 (Ed. 02 05) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SILICA OR RELATED DUST EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM - COVERAGE FOR OPERATIONS OF DESIGNATED CONTRACTOR A. The following exclusion is added to paragraph effects of, "silica" or dust that includes 2., Exclusions, of SECTION I. Coverage A. or contains "silica," by any insured or Bodily Injury and Property Damage Liabil- by any other person or entity. ity, of the Commercial General Liability Coverage Form, and to paragraph 2., Exclu- This exclusion applies regardless of: sions, of SECTION I. COVERAGES, of the Owners and Contractors Protective Liability (i) the circumstances of or leading Coverage Form - Coverage for Operations to such actual, alleged, threat- of Designated Contractor: ened, or suspected inhalation, in- gestion, exposure, contact, exis- 2. Exclusions tence, or presence; and This insurance does not apply to: (ii) whether the "silica" or dust that includes or contains "silica," is Silica or Related Dust mixed or combined with, or also includes or contains, any other a. Any "bodily injury" which would not substance. have occurred, in whole or in part, but for the actual, alleged, threatened, or B. The following exclusion is added to paragraph suspected inhalation or ingestion of, 2., Exclusions of SECTION I. Coverage B. exposure to, or contact with, "silica" Personal and Advertising Injury Liability of or dust that includes or contains "sili- the Commercial General Liability Coverage ca.,. Form: b. Any "property damage" which would 2. Exclusions not have occurred, in whole or in part, but for the actual, alleged, threatened, This insurance does not apply to: or suspected contact with, exposure to, existence of, or presence of, "sili- Silica or Related Dust ca" or dust that includes or contains "silica." a. Any "personal and advertising injury" which would not have taken place, in c. Any loss, cost or expense arising out whole or in part, but for the actual, of the abating, testing for, monitoring, alleged, threatened, or suspected in- cleaning up, removing, containing, halation or ingestion of, contact with, treating, detoxifying, neutralizing, re- exposure to, existence of, or pres- mediating or disposing of, or in any ence of, "silica" or dust that includes way responding to or assessing the or contains "silica." CG 83 61 (Ed. 02/05) XS (Page 1 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 b. Any loss, cost, or expense arising out (ii) whether the "silica" or dust that of the abating, testing for, monitoring, includes or contains "silica," is cleaning up, removing, containing, mixed or combined with, or also treating, detoxifying, neutralizing, re- includes or contains, any other mediating or disposing of, or in any substance. way responding to or assessing the effects of, "silica" or dust that includes or contains "silica," by any insured or by any other person or entity. C. The following definition is added to the Defi- This exclusion applies regardless of: nitions Section: (i) the circumstances of or leading to such actual, alleged, threat- ened, or suspected inhalation, in- gestion, exposure, contact, exis- "Silica" means silicon dioxide (Si02) in any tence, or presence; and form, from any source. CG 83 61 (Ed. 02/05) XS (Page 2 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 83 66 (Ed. 06 05) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR, BIOLOGICAL, OR CHEMICAL EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM - COVERAGE FOR OPERATIONS OF DESIGNATED CONTRACTORS A. The following exclusion is hereby added to (2) Any actual, attempted, suspected, or paragraph 2. Exclusions of SECTION I - threatened presence, spread, dissemi- COVERAGE A. Bodily Injury and Property nation, release, escape, or distribution Damage Liability, of the Commercial Gen- of any "NBC material" as a direct or eral Liability Coverage Form, and to para- indirect result of any actual, attempted, graph 2., Exclusions, of SECTION I. COV- suspected, or threatened plan, effort, ERAGES, of the Owners and Contractors or design, actually or apparently in- Protective Liability Coverage Form - Cov- tended to cause any: erage for Operations of Designated Con- tractor: (a) loss or damage to any tangible or intangible property, or 2. Exclusions (b) "bodily injury" or emotional dis- tress. Nuclear, Biological, or Chemical "NBC Material" means any nuclear, bio- Notwithstanding any other provision of logical, or chemical material or substance this policy, this insurance does not apply that causes damage to property or is to any "bodily injury" or "property damage" harmful to human health. "NBC material" caused, directly or indirectly, in whole or includes, but is not limited to: in part, by any of the following, regardless of any other cause(s) or event(s) that may (1) any radioactive substance or material, contribute concurrently or in any other and the radiation it releases, sequence to the "bodily injury" or "prop- erty damage": (2) any pathogen, bacterium, microbe, virus, or other organism, (1) Any actual, attempted, suspected, or threatened use of any "NBC material" (3) any substance or material produced by as part of any plan, effort, or design, or from any pathogen, bacterium, mi- actually or apparently intended to crobe, virus, or other organism, and cause any: (4) any poison, toxin, or other harmful (a) loss or damage to any tangible or chemical, substance, or material. intangible property, or The foregoing list (1) through (4) is only illustrative, and should not be construed as (b) "bodily injury" or emotional dis- a complete, exclusive, or exhaustive list of tress. all "NBC materials." CG 83 66 (Ed. 06/05) XS (Page 1 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 B. The following exclusion is hereby added to of any "NBC material" as a direct or paragraph 2., Exclusions of SECTION I. indirect result of any actual, attempted, COVERAGE B., Personal and Advertising In- suspected, or threatened plan, effort, jury Liability of the Commercial General Li- or design, actually or apparently in- ability Coverage Form: tended to cause any: 2. Exclusions (a) loss or damage to any tangible or intangible property, or Nuclear, Biological, or Chemical (b) "bodily injury" or emotional dis- Notwithstanding any other provision of tress. this policy, this insurance does not apply to any "personal or advertising injury" "NBC Material" means any nuclear, bio- caused, directly or indirectly, in whole or logical, or chemical material or substance in part, by any of the following, regardless that causes damage to property or is of any other cause(s) or event(s) that may harmful to human health. "NBC material" contribute concurrently or in any other includes, but is not limited to: sequence to the "personal and advertising injury": (1) any radioactive substance or material, and the radiation it releases, (1) Any actual, attempted, suspected, or threatened use of any "NBC material" (2) any pathogen, bacterium, microbe, as part of any plan, effort, or design, virus, or other organism, actually or apparently intended to cause any: (3) any substance or material produced by or from any pathogen, bacterium, mi- (a) loss or damage to any tangible or crobe, virus, or other organism, and intangible property, or (4) any poison, toxin, or other harmful (b) "bodily injury" or emotional dis- chemical, substance, or material. tress. The foregoing list (1) through (4) is only (2) Any actual, attempted, suspected, or illustrative, and should not be construed as threatened presence, spread, dissemi- a complete, exclusive, or exhaustive list of nation, release, escape, or distribution all "NBC materials." This endorsement does not change any other provision of the policy. CG 83 66 (Ed. 06/05) XS (Page 2 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 85 65 (Ed. 01 12) ABUSE OR MOLESTATION COVERAGE FORM Various provisions in this Coverage Form restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this Coverage Form the words "you" and "your" refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as a named insured under this Coverage Form. The words "we," "us" and "our" refer to the Company providing this insurance. The word "Insured" means any person or organization qualifying as such under SECTION III - WHO IS AN INSURED of this Coverage Form. Other words and phrases that appear in quotation marks have special meaning. Refer to SECTION VI - DEFINITIONS of this Coverage Form. SECTION I - ABUSE OR MOLESTATION COV- b. This insurance applies to "abuse" only if: ERAGE (1) the "abuse" takes place in the "cov- erage territory"; a. We will pay those sums the Insured be- comes legally obligated to pay as "dam- (2) the "abuse" takes place during the ages" because of "abuse" to which this policy period; and insurance applies. We will have the right and duty to defend (3) prior to the policy period, no insured the Insured against any "suit" seeking those knew the "abuse" had occurred, in "damages." However, we will have no duty whole or in part. If any insured knew, prior to the policy period, that the to defend the Insured against any claim or abuse" had occurred, in whole or in "suit" seeking "damages" because of part, then any continuation, change, or "abuse" to which this insurance does not resumption of such "abuse" during or apply. We may, at our discretion, investi- after the policy period will be deemed gate any actual, threatened, or alleged to have been known prior to the policy "abuse" and settle any claim or "suit" that period. may result. But: (1) the amount we will pay for "damages" c. Any "abuse" that occurs during the policy is limited as described in SECTION IV period and was not, prior to the policy - LIMITS OF INSURANCE of this period, known by any insured to have oc- Coverage Form; and curred, includes any continuation, change, or resumption of that "abuse" after the (2) our right and duty to defend end when end of the policy period. we have used up the applicable Limit of Insurance in the payment of judg- d. Any "abuse" will be deemed to have been ments, or settlements. known to have occurred at the earliest No other obligation or liability to pay sums time when any insured: or perform acts or services is covered unless explicitly provided for under this (1) reports all, or any part, of the "abuse" Coverage Form. to us or any other insurer; CG 85 65 (Ed. 01/12) (Page 1 of 10) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 (2) receives a written or oral demand or (2) furnishing alcoholic beverages to a claim for "damages" because of the person under the legal drinking age or "abuse"; or under the influence of alcohol; or (3) becomes aware by any other means (3) any statute, ordinance, or regulation that the "abuse" has occurred or begun relating to the sale, gift, distribution, or to occur. use of alcoholic beverages. Regardless of the number of acts or omis- f. Obligation of any insured under a workers' sions constituting "abuse," the period of time compensation, disability benefits, or un- over which such acts or omissions occur, or employment compensation law, or any the number of persons performing, partici- similar law. pating in, or subject to such acts or omis- sions, all injury arising out of all "abuse" by g. "Damages" because of any liability to: one person, or by any two or more persons acting together or in concert, is deemed one (1) Any person, arising out of any: and the same "abuse," subject to one and the same Limit of Liability. (a) refusal to employ that person; 2. Exclusions (b) termination of that person's em- This insurance does not apply to any: ployment; or a. "Damages" because of any injury, loss, (c) employment-related practices, harm, cost, or expense, expected or in- policies, acts, or omissions, in- tended from the standpoint of the Insured. cluding but not limited to coer- cion, demotion, evaluation, reas- b. "Damages" because of any liability arising signment, discipline, defamation, out of any criminal or fraudulent act com- harassment, humiliation, or dis- mitted by or at the direction of the In- crimination directed at that per- sured. son; or c. Administrative hearing, investigation, licen- (2) The spouse, child, parent, brother, or sure proceeding, enforcement proceeding, sister of that person as a consequence or any similar proceeding by any federal, of any employment-related practice state, or local governmental, administra- described in (1)(a), (1)(b), or (1)(c). tive, or regulatory agency. This exclusion applies: d. "Damages" because of any: (i) whether the Insured may be liable as (1) Liability assumed by any insured under an employer or in any other capacity; any contract or agreement. and (2) Insured's failure to perform or comply with any duty or requirement under a (ii) to any obligation to share "damages" contract, express or implied warranty, with or repay someone else who must or agreement. pay "damages" to the "employee" or to the "employee's" spouse, child, parent, This exclusion does not apply to liability brother, or sister. that the Insured would have in the absence of the contract or agreement. h. "Damages" because of any liability to: e. "Damages" because of any liability by rea- (1) Any "employee" of the Insured arising son of: out of and in the course of that "em- ployee's": (1) causing or contributing to the intoxi- cation of any person; (a) employment by the Insured; or CG 85 65 (Ed. 01/12) (Page 2 of 10) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 (b) performing duties related to the n. "Damages" because of any: conduct of the Insured's business; or (1) Liability arising in whole or in part from the actual, alleged, or threatened (2) The spouse, child, parent, brother, or discharge, dispersal, seepage, migra- sister of that "employee" as a con- tion, release, escape, or presence of, sequence of paragraphs (1)(a) or (1)(b). or exposure to, any "pollutant," from any source, at any location, at any time. This exclusion applies: (2) Loss, cost, or expense which would (i) whether the Insured may be liable as not have occurred in whole or in part an employer or in any other capacity; but for any: and (a) request, demand, or order that any insured or others test for, (i i) to any obligation to share "damages" monitor, clean up, remove, con- with or repay someone else who must tain, treat, detoxify, abate, or pay "damages" to the "employee" or to neutralize, or in any way respond the "employee's" spouse, child, parent, to or assess the effects of, any brother, or sister. "pollutant"; or i. "Damages" because of any liability of any (b) claim or "suit" by or on behalf of insured to any other insured. This exclu- any federal, state, or local gov- sion does not apply to "damages" for harm ernmental authority because of to one of your "volunteer workers." testing for, monitoring, cleaning up, removing, containing, treating, j. "Damages" because of any liability arising detoxifying, abating, or neutraliz- out of any employee benefit plan or self- ing, or in any way responding to insured fund, or for any amount due under or assessing the effects of, any any fringe benefit or retirement program. "pollutant." k. "Damages" because of any liability under o. "Damages" because of any: the Employment Retirement Income Secu- rity Act of 1974 (as amended) or any (1) Liability arising in whole or in part similar federal or state law. from the actual, alleged, or threatened discharge, dispersal, seepage, migra- I. "Damages" because of any insured's hiring, tion, release, escape, inhalation, ab- employment, or retention in employment, sorption, ingestion, or presence of, or of any person with a prior history of exposure to, lead in any form, from committing "abuse," if any insured knew of any source, in any location, at any time. that history either before, or at any time during, the policy period. (2) Loss, cost, or expense which would not have occurred in whole or in part m. "Damages" arising out of any insured's but for any: knowing: (a) request, demand, or order that any insured or others test for, (1) concealment of, monitor, clean up, remove, con- tain, treat, detoxify, abate, or (2) failure to report, or neutralize, or in any way respond to or assess the effects of, lead (3) failure to comply with any applicable in any form, from any source, or federal, state, or local law, ordinance, or regulation, requiring the reporting (b) claim or "suit" by or on behalf of of, any federal, state, or local gov- ernmental authority because of any "abuse." testing for, monitoring, cleaning CG 85 65 (Ed. 01/12) (Page 3 of 10) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 up, removing, containing, treating, (2) loss, cost, or expense which would detoxifying, abating, or neutraliz- not have occurred in whole or part but ing, or in any way responding to for any: or assessing the effects of, lead in any form, from any source. (a) request, demand, or order that any insured or others test for, p. "Damages" because of any: monitor, clean up, remove, con- tain, treat, detoxify, abate, or (1) Liability arising in whole or in part neutralize, or in any way respond from the actual, alleged, or threatened to or assess the effects of, discharge, dispersal, seepage, migra- "fungi" or bacteria in any form, tion, release, escape, inhalation, ab- from any source, or sorption, ingestion, or presence of, or exposure to, asbestos in any form, (b) claim or suit by or on behalf of from any source, in any location, at any federal, state, or local gov- any time. ernmental authority because of testing for, monitoring, cleaning (2) Loss, cost, or expense which would up, removing, containing, treating, not have occurred in whole or in part detoxifying, abating, or neutraliz- but for any: ing, or in any way responding to or assessing the effects of, any (a) request, demand, or order that "fungi" or bacteria, in any form, any insured or others test for, from any source. monitor, clean up, remove, con- tain, treat, detoxify, abate, or This exclusion does not apply to any neutralize, or in any way respond "fungi" or bacteria that are intended to be, to or assess the effects of, as- be on, or be contained in, a good or bestos in any form, from any product intended for human consumption source, or as food. (b) claim or suit by or on behalf of r. "Damages" because of any liability arising any federal, state, or local gov- out of the ownership, maintenance, use, or ernmental authority because of entrustment to others of any aircraft, testing for, monitoring, cleaning "auto," or watercraft, whether or not up, removing, containing, treating, owned or operated by, or rented or detoxifying, abating, or neutraliz- loaned to, any insured. Use includes op- ing, or in any way responding to eration and loading or unloading. or assessing the effects of, as- bestos in any form, from any This exclusion applies even if the claim or source. "suit" against any insured alleges negli- gence or other wrongdoing in the super- q. "Damages" because of any: vision, hiring, employment, training, or monitoring of others by that Insured, if the liability arises from the ownership, main- (1) liability arising in whole or in part from tenance, use, or entrustment to others of the actual, alleged, or threatened in- any aircraft, "auto," or watercraft, whether halation of, ingestion of, contact with, or not owned or operated by, or rented exposure to, existence of, or pres- or loaned to, any insured. ence of, any "fungi" or bacteria on or within a building or structure, including its contents, regardless of whether s. "Damages" because of any insured's liabil- any other cause, event, material, or ity to any: product contributed concurrently or in any sequence to such injury or dam- (1) company, corporation, or other orga- age; or nization, or CG 85 65 (Ed. 01/12) (Page 4 of 10) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 (2) shareholder, owner, or creditor of any on the basis of race, religion, sex, age, company, corporation, or other orga- ethnic background, national origin, physical nization, or mental disability, sexual orientation, or any other basis prohibited by applicable of which that Insured is a director or law. officer, if such liability arises directly or indirectly out of any act, error, or v. "Damages" because of any liability arising omission by that Insured, committed in out of any discrimination, or failure to that Insured's capacity as a director or discriminate, on account of race, religion, officer of that company, corporation, sex, age, ethnic background, national ori- or other organization. This exclusion gin, physical or mental disability, or sexual applies regardless of whether or not orientation, or arising out of any actual, the act, error, or omission was per- threatened, or alleged violation of any lo- formed by or on behalf of the Named cal, state, or federal civil rights law, regu- Insured. lation, or ordinance. t. "Damages" because of any liability arising w. Civil or criminal fine or penalty, and any directly or indirectly out of: loss, cost, or expense paid or incurred in defending against any such fine or penalty. (1) service by any insured for or as a member of any board or committee of x. "Damages" arising out of the following any organization other than the Named professional services: legal, accounting, Insured. This includes, but is not limited financial, appraisal, architectural, or engi- to, any board or committee relating to neering services. peer review, credentialing, quality as- surance, utilization review, profession- SECTION II - SUPPLEMENTARY PAYMENTS al discipline, risk management, patient or client grievances, staff grievances, We will pay, with respect to any claim we inves- or professional education; or tigate or settle, or any "suit" we defend or settle: (2) the activities of any insured as a pro- 1. All expenses we incur. prietor, superintendent, officer, direc- tor, shareholder, manager, or employ- 2. The cost of bonds to release attachments, but ee of any organization other than the only for bond amounts within the applicable Named Insured; or Limit of Insurance. We do not have to furnish these bonds. (3) any insured's capacity as a fiduciary, trustee, legal representative, guardian, 3. All reasonable expenses incurred by the In- banker, creditor, tax preparer, or sured at our request to assist us in the inves- lender. tigation or defense of the claim or "suit," in- cluding actual loss of earnings up to $250 a u. "Damages" because of any liability arising day because of time off from work. out of any failure to integrate, segregate, or desegregate: 4. All court costs taxed against the Insured in the "suit." However, these payments do not in- (1) enrollment; clude attorneys' fees or attorneys' expenses taxed against the Insured. (2) participation in educational or non- educational activities; 5. Prejudgment interest awarded against the In- sured on that part of a judgment we pay. If (3) busing or other transportation; or we make an offer to pay the applicable Limit of Insurance, we will not pay any prejudgment (4) the provision or receipt of any ser- interest based on that period of time after the vice, accommodation, or benefit; offer. CG 85 65 (Ed. 01/12) (Page 5 of 10) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 6. All interest on the full amount of any judgment (2) members of your Board of Trustees, that accrues after entry of the judgment and Board of Governors, or other govern- before we have paid, offered to pay, or de- ing body created by your charter, posited in court the part of the judgment that constitution, by-laws, or other similar is within the applicable Limit of Insurance. governing document, but only while acting within the scope of their duties These payments will not reduce the Limits of as such; and Insurance. (3) any subsidiary organization that is con- SECTION III - WHO IS AN INSURED trolled by the Named Insured. A sub- sidiary organization is controlled by the Named Insured if the Named Insured 1. Subject to 4., below, if you are designated in owns a majority of the voting shares the Declarations as: of that organization. a. An individual, you and your spouse are 3. Subject to 4., below, your "employees," other insureds, but only with respect to the than those already described in 1. or 2., above, conduct of a business of which you are are also insureds, but only for acts within the the sole owner. scope of their employment by you or while performing duties related to the conduct of b. A partnership or joint venture, you are an your business. Your "volunteer workers" are insured. Your members, your partners, and insureds, but only while performing duties re- their spouses are also insureds, but only lated to the conduct of your business with with respect to the conduct of your busi- your knowledge and consent. ness. 4. However: c. A limited liability company, you are an in- sured. Your members are also insureds, a. No "employee," "volunteer worker," direc- but only with respect to the conduct of tor, "executive officer," officer, or other your business. Your managers are insur- person is an insured for any liability: eds, but only with respect to their duties as your managers. (1) to you, to your partners or members (if you are a partnership or joint ven- d. An organization other than a partnership, ture), to your members (if you are a joint venture, or limited liability company, limited liability company), to any of you are an insured. Your "executive of- your directors, "executive officers," ficers," board members and directors are officers, "employees," or "volunteer also insureds, but only with respect to workers"; their duties as your officers or directors. Your stockholders are also insureds, but (2) to the spouse, child, parent, brother, only with respect to their liability as your stockholders. sister, or next of kin of any person in connection with or as a consequence e. A trust, you are an insured. Your trustees of 4.a.(1); or are also insureds, but only with respect to (3) for which there is any obligation to their duties as trustees. share damages with or repay someone else who must pay damages, as a con- 2. Subject to 4., below, each of the following is sequence of 4.a.(1) or (2). also an insured: b. No person or organization is an insured a. If you are a religious or educational in- with respect to the conduct of any cur- stitution: rent or past partnership, joint venture, re- ligious or educational institution, or other (1) your elders, deacons, vestrymen, organization that is not shown as a named councilmen, clergy, and teachers; insured in the Declarations. CG 85 65 (Ed. 01/12) (Page 6 of 10) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 c. If we designate a person, an organization, b. claims made or "suits" brought; or a class of persons or organizations, as an additional insured under this Coverage c. persons or organizations making claims or Form, then that designation does not in- bringing "suits"; or clude any "employee," "volunteer worker," "executive officer," officer, director, d. coverage parts or insuring agreements in agent, representative, subsidiary, or affili- this Policy ate of that additional insured. No such "employee," "volunteer worker," "executive 2. The Aggregate Limit shown in the Abuse or officer," officer, director, agent, repre- Molestation Coverage Part Declarations is the sentative, subsidiary, or affiliate of an ad- most we will pay for the sum of all "damages" ditional insured is an insured under this under this Abuse or Molestation Coverage Coverage Form unless expressly desig- Part. nated as an insured in an endorsement we issue. 3. Subject to 2., the Each Abuse Limit is the most we will pay for the sum of all "damages" d. No person or organization is an insured as because of all injury arising out of all "abuse" respects any "abuse" that person or or- by any one person or organization, or by any ganization is proved to have knowingly: two or more persons or organizations acting together or in concert, regardless of the (1) committed, participated in, aided, as- number of insureds, claims, "suits," or claim- sisted; ants. (2) concealed; or The Limits of Insurance of this Coverage Part apply separately to each consecutive annual pe- riod and to any remaining period of less than 12 months, starting with the beginning of the policy For purposes of this provision, a person period in the Declarations, unless the policy pe- riod is extended after issuance for an additional ingly committed conduct described in d.(1), period of less than 12 months. In that case, the (2), or (3) if that person or organization: additional period will be deemed part of the last preceding period for purposes of determining the (a) admits to having done so; or Limits of Insurance. (b) is found to have done so by a final judgment in a criminal or civil pro- ceeding, including but not limited to a "suit" to which this insurance applies. 1. Bankruptcy Upon the happening of either (a) or (b), Bankruptcy or insolvency of the Insured or of that person or organization is not an in- the Insured's estate will not relieve us of our sured, even if that person or organization obligations under this Coverage Part. was an insured before the happening of (a) or (b). An unproven allegation made in a 2. Duties in the Event of Abuse, Claim or Suit claim or "suit" is not, by itself, sufficient to prove that a person or organization a. You must see to it that we are notified as knowingly committed conduct described in soon as practicable of any actual, threat- d.(1), (2), or (3). ened, or alleged "abuse" which may result in a claim or "suit." To the extent possible, SECTION IV - LIMITS OF INSURANCE notice should include: 1. The Limits of Insurance shown in the Declara- (1) how, when, and where the "abuse" tions and the rules below fix the most we will took place; pay regardless of the number of: (2) the names and addresses of injured a. insureds; persons and witnesses; and CG 85 65 (Ed. 01/12) (Page 7 of 10) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 (3) the nature and location of any injury or be liable for "damages" that are not payable damage. under the terms of this Coverage Part or that are in excess of the applicable Limits of In- b. If a claim is made or "suit" is brought surance. An agreed settlement means a settle- against any insured, you must: ment and release of liability signed by us, the Insured and the claimant or the claimant's legal (1) immediately record the specifics of representative. the claim or "suit" and the date re- ceived; and 4. Other Insurance (2) notify us as soon as practicable. a. If other insurance is available to the In- You must see to it that we receive written sured for a loss we cover under this notice of the claim or "suit" as soon as Abuse or Molestation Coverage Part, our practicable. obligations are limited as follows: c. You and any other involved insured must: (1) This insurance applies only in excess of, and does not contribute with, the (1) immediately send us copies of any de- sum of the applicable limits of any and mands, notices, summonses, or legal all such other insurance, whether that papers in connection with the claim or other insurance: "suit"; (2) authorize us to obtain records and (a) is valid or not; other information; (b) is collectible or not; or (3) cooperate with us in the investigation, settlement, or defense of the claim or (c) describes itself as primary, ex- "suit"; and cess, contingent, contributing, or otherwise. (4) assist us, upon our request, in the en- forcement of any right against any However, this provision a.(1) does not person or organization which may be apply to other insurance that is issued liable to the Insured because of injury expressly to apply only in excess of or damage to which this insurance may the applicable Limit of Insurance of also apply. this insurance. d. No insured will, except at that Insured's b. If any insurer affording such other insur- own cost, voluntarily make a payment, as- ance refuses to defend the Insured under sume any obligation, or incur any expense, that other insurance, we will defend the other than for first aid, without our con- Insured as though that other insurance sent. were not available. If we defend, we are subrogated to all of the Insured's rights 3. Legal Action Against Us under such other insurance. The Insured must do all things necessary to help us No person or organization has a right under enforce such rights. this Coverage Part: a. to join us as a party or otherwise bring us c. If the Coordination of Limits Endorsement into a "suit" asking for "damages" from an is attached to this Abuse or Molestation insured; or Coverage Form, and both: b. to sue us on this Coverage Part unless all (1) this Abuse or Molestation Coverage of its terms have been fully complied with. Form; and A person or organization may sue us to re- (2) any other coverage form, coverage cover on an agreed settlement or on a final part, or policy issued by us, or by a judgment against an insured; but we will not company affiliated with us, CG 85 65 (Ed. 01/12) (Page 8 of 10) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 apply, in whole or in part, to the same If such notice is mailed, proof of mailing will claim, "suit," "abuse," or "damages," then be sufficient proof of notice. this Abuse or Molestation Coverage Form and all such other coverage forms, SECTION VI - DEFINITIONS coverage parts, or policies described in (2) are all subject to the Coordination of Lim- 1. "Abuse" means: its Endorsement. a. any actual, threatened, or alleged act, er- 5. Representations ror, omission, conduct, or misconduct, that a claim or "suit" alleges to be, or to By accepting this Policy, you agree: constitute, any form of abuse (including, but not limited to, elder abuse, child abuse, a. the statements in the Abuse and Molesta- patient abuse, or abuse of a dependent tion Application are accurate and com- person) under any applicable state or fed- plete; eral statute or regulation; and b. any actual, threatened, or alleged act, er- b. those statements are representations you ror, omission, conduct, or misconduct, of made to us; and one or more of the following kinds: c. we have issued this Policy in reliance upon (1) sexual behavior, sexual conduct or your representations. misconduct, sexual assault, sexual bat- tery, sexual abuse, or sexual molesta- 6. Separation of Insureds tion, of or directed at a person; Except with respect to the Limit of Insurance, (2) non-sexual assault, non-sexual bat- and any rights or duties specifically assigned tery, or non-sexual abuse, of or di- in this Coverage Part to the first Named In- rected at a person; and sured, this insurance applies: (3) any: a. as if each named insured were the only (i) employment; Named Insured; and (ii) investigation; b. separately to each insured against whom claim is made or "suit" is brought. (iii) supervision; 7. Transfer of Rights of Recovery Against (iv) reporting to proper authorities, or Others to Us failure to so report; or If the Insured has rights to recover all or part (v) retention in employment; of any payment we have made under this Coverage Part, those rights are transferred to of any person committing conduct or us. The Insured must do nothing after loss to misconduct described in b.(1) or b.(2); impair them. At our request, the Insured will or bring "suit" or transfer those rights to us and help us enforce them. (vi) referral of a patient, student, pa- rishioner, client, or person, to any other person whose conduct or 8. When We Do not Renew misconduct is described in a., b.(1), or b.(2). If we decide not to renew this Coverage Part, we will mail or deliver to the first Named Conduct or misconduct described in b.(1) Insured shown in the Declarations written no- through b.(3) constitutes "abuse" within the tice of the nonrenewal not less than 30 days meaning of this definition regardless of before the expiration date. whether or not it is alleged to be neg- CG 85 65 (Ed. 01/12) (Page 9 of 10) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 ligent, reckless, knowing, intentional, 7. "Fungi" means any type or form of fungus, fraudulent, oppressive, malicious, or oth- including mold or mildew and any mycotoxin, erwise. spore, scent, or byproduct produced or re- leased by any fungus or by the death or decay 2. "Auto" means a land motor vehicle, mobile of any fungus. equipment, trailer, or semi trailer, including any attached or towed machinery or equipment. 8. "Leased worker" means a person leased to you by a labor leasing firm under an agree- ment between you and the labor leasing firm, a. the United States of America (including its to perform duties related to the conduct of territories and possessions), Puerto Rico your business. "Leased worker" does not in- and Canada; clude a "temporary worker." b. international waters or airspace, provided 9. "Pollutant" means any solid, liquid, gaseous, the injury or damage does not occur in the or thermal irritant or contaminant, including course of travel or transportation to or smoke, vapor, soot, fumes, acids, alkalis, from any place not included in paragraph chemicals, and waste. Waste includes materi- a. above. als to be recycled, reconditioned, or re- claimed. c. all parts of the world if: (1) the injury or damages arise out of the 10. "Suit" means a civil proceeding in which activities of a person whose home is "damages" to which this coverage applies are in the territory described in paragraph alleged. "Suit" includes: a. above, but is away for a short time on your business; and a. an arbitration proceeding in which such "damages" are claimed and to which you (2) the Insured's responsibility to pay must submit or do submit with our con- damages is determined in a "suit" on sent; or the merits, in the territory described in paragraph a. above or in a settlement b. any other alternative dispute resolution we agree to. proceeding in which such "damages" are claimed and to which you must submit or 4. "Damages" means money damages awarded do submit with our consent. to compensate for harm, except those as to which applicable law prohibits liability insur- "Suit" does not include any administrative ance. "Damages" does not include the cost of hearing, investigation, licensure proceeding, complying with injunctive relief, declaratory enforcement proceeding, or any similar pro- relief, or other equitable actions; fines, penal- ceeding by any federal, state, or local gov- ties, punitive damages, exemplary damages, or ernmental, administrative, or regulatory agen- any multiplied or enhanced damages; fees, de- posits, or commissions; charges for goods or cy services, or the return, disgorgement, or re- imbursement of such charges; or awards of 11. "Temporary worker" means a person who is attorneys' fees, attorneys' expenses, or other furnished to you to substitute for a permanent costs of making a claim or bringing a "suit." "employee" on leave or to meet seasonal or short-term workload conditions. 5. "Employee" includes a "leased worker." "Em- ployee" does not include a "temporary work- 12. "Volunteer worker" means a person who is er." not your "employee" and who donates his or her work and acts at the direction of and 6. "Executive officer" means a person holding within the scope of duties determined by you, any of the officer positions created by your and is not paid a fee, salary, or other com- charter, constitution, by-laws or any other pensation by you or anyone else for their similar governing document. work performed for you. CG 85 65 (Ed. 01/12) (Page 10 of 10) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 89 70 (Ed. 11/14) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SIGNATURE GENERAL LIABILITY BROADENING ENDORSEMENT This Endorsement modifies and is subject to the insurance provided under the following form: COMMERCIAL GENERAL LIABILITY COVERAGE PART The following extension only applies in the event that no other specific coverage for the indicated loss exposure is provided under this Policy. If other specific coverage applies, the terms, conditions and limits of that Coverage are the exclusive coverage applicable under this Policy, unless otherwise noted in this Endorsement. This is a summary of the various additional coverages and coverage modifications provided by this Endorsement. For complete details on specific coverages, consult the actual policy wording. Coverage Description Limit of Insurance Page Non-Owned Aircraft Included 2 Non-Owned Watercraft Included 2 Bodily Injury - Mental Injury, Mental Anguish, Humiliation or Shock Included 3 Medical Payments $ 20,000 3 Damage to Premises Rented to You $ 1 ,000,000 3 Supplementary Payments - Bail Bonds $ 3,000 4 Supplementary Payments - Loss of Earnings $ 1 ,000 per day 4 Newly Formed or Acquired Organizations Included 4 Unintentional Failure to Disclose Hazards Included 5 Knowledge of Occurrence, Claim or Suit Included 5 Property Damage Liability - Elevators Included 5 Property Damage Liability - Borrowed Equipment Included 5 Liberalization Clause Included 6 Amendment of Pollution Exclusion (Premises) Included 6 Limited Property Damage to Property of Others $ 5,000 6 Additional Insured - Manager or Lessor of Premises Included 7 CG 89 70 (Ed. 11/14) (Page 1 of 12) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 Coverage Description Limit of Insurance Page Additional Insured - Funding Sources Included 7 Additional Insured - By Contract Included 8 Primary and Non-Contributory Additional Insured Extension Included 10 Additional Insureds - Protection of Your Limits Included 10 Blanket Waiver of Transfer of Rights of Recovery Against Others Included to Us (Subrogation) 11 Property Damage Extension With Voluntary Payments $ 1 ,000/$ 5,000 11 Who Is An Insured - Fellow Employee Extension - Management Included Employees 12 Broadened Personal and Advertising Injury Included 12 A. Non-Owned Aircraft Under paragraph 2. Exclusions of SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability, exclusion g. Aircraft, Auto or Watercraft does not apply to an aircraft provided: 1. it is not owned by any insured; 2. it is hired, chartered or loaned with a trained paid crew; 3. the pilot in command holds a currently effective certificate, issued by the duly constituted authority of the United States of America or Canada, designating him or her a commercial or airline pilot; and 4. it is not being used to carry persons or property for a charge. However, the insurance afforded by this provision does not apply if there is available to the Insured other valid and collectible insurance, whether primary, excess (other than insurance written to apply specifically in excess of this Policy), contingent or on any other basis, that would also apply to the loss covered under this provision. B. Non-Owned Watercraft Under paragraph 2. Exclusions of SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability, subparagraph (2) of exclusion g. Aircraft, Auto or Watercraft is replaced by the following: This exclusion does not apply to: (2) A watercraft you do not own that is: (a) less than 60 feet long; and CG 89 70 (Ed. 11/14) (Page 2 of 12) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 (b) not being used to carry persons or property for a charge. C. Bodily Injury - Mental Injury, Mental Anguish, Humiliation or Shock Under SECTION V - DEFINITIONS, Definition 3. is replaced by the following: 3. "Bodily Injury" means physical injury, sickness, or disease, including death of a person. "Bodily Injury" also means mental injury, mental anguish, humiliation, or shock if directly resulting from physical injury, sickness, or disease to that person. D. Medical Payments If Coverage C Medical Payments is not otherwise excluded, the Medical Payments provided by this Policy are amended as follows: The Medical Expense Limit in paragraph 7. of SECTION III - LIMITS OF INSURANCE is replaced by the following Medical expense Limit: The Medical Expense Limit provided by this Policy shall be the greater of: a. $ 20,000; or b. the amount shown in the Declarations for Medical Expense Limit This provision 7. is subject to all the terms of SECTION III - LIMITS OF INSURANCE. E. Damage to Premises Rented to You If Damage to Premises Rented to You is not otherwise excluded from this Coverage Part: 1. Under paragraph 2. Exclusions of SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability: 3. The last paragraph of paragraph 2. Exclusions is deleted in its entirety and replaced by the following: Exclusions c. through n. do not apply to damage by fire, lightning, explosion, smoke, leakage from an automatic fire protection system or water to premises while rented to you or temporarily occupied by you with permission of the owner. A separate Limit of Insurance applies to this coverage as described in SECTION III - LIMITS OF INSURANCE. However, this insurance does not apply to damage to premises while rented to you, or temporarily occupied by you with the permission of the owner, caused by: i. rupture, bursting, or operation of pressure relief devices; ii. rupture or bursting due to expansion or swelling of the contents of any building or structure, caused by or resulting from water; iii. explosion of steam boilers, steam pipes, steam engines, or steam turbines; or iv. flood 2. Paragraph 6. Under SECTION III - LIMITS OF INSURANCE is deleted in its entirety and replaced with the following: CG 89 70 (Ed. 11/14) (Page 3 of 12) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 6. Subject to paragraph 5. above, the most we will pay under Coverage A for damages because of "property damage" to any one premises, while rented to you, or in the case of damage caused by fire, lightning, explosion, smoke, leakage from automatic fire protection system or water while rented to you or temporarily occupied by you with the permission of the owner, for all such damage caused by fire, lightning, explosion, smoke, leakage from automatic fire protection systems or water proximately caused by the same event, whether such damage results from fire, lightning, explosion, smoke, leakage from automatic fire protection systems or water or any combination of the six, is the higher of $ 1,000,000 or the amount shown in the Declarations for the Damage to Premises Rented to You Limit. 3. Under SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, subsection 4. Other Insurance, paragraph b. Excess Insurance where the words "Fire insurance" appear they are changed to "insurance for fire, lightning, explosion, smoke, leakage from an automatic fire protection system or water." 4. As regards coverage provided by this provision I. Damage to Premises Rented to You - paragraph 9.a. of Definitions is replaced with the following: 9. a. a contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire, lightning, explosion, smoke, leakage from automatic fire protection systems or water to premises while rented to you or temporarily occupied by you with the permission of the owner is not an "insured contract"; F. Supplementary Payments 1. In the Supplementary Payments - Coverages A and B provision, paragraph 1.b. is replaced with: b. Up to $ 3,000 for the cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. 2. Paragraph 1.d. is replaced by the following: d. All reasonable expenses incurred by the Insured at our request to assist us in the investigation or defense of the claim or "suit," including actual loss of earnings up to $ 1,000 a day because of time off work. G. Newly Formed or Acquired Organizations Paragraph 3. of SECTION II - WHO IS AN INSURED is replaced by the following: 3. Any organization you newly acquire or form and over which you maintain ownership or majority interest, will qualify as a named insured if there is no other similar insurance available to that organization. However: a. coverage under this provision is afforded only until the expiration of the policy period in which the entity was acquired or formed by you; b. coverage A does not apply to "bodily injury" or property damage that occurred before you acquired or formed the organization; and c. coverage B does not apply to "personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. CG 89 70 (Ed. 11/14) (Page 4 of 12) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 d. records and descriptions of operations must be maintained by the first named insured. No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a named insured in the Declarations or qualifies as an insured under this provision. H. Unintentional Failure to Disclose Hazards Under SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, the following is added to Condition 6. Representations: Failure of the Insured to disclose all hazards existing as of the inception date of this Policy shall not prejudice the insurance with respect to the coverage afforded by this Policy, provided such failure or omission is not intentional on the part of the Insured. 1. Knowledge of Occurrence, Claim or Suit Under SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, the following is added to Condition 2. Duties in the Event of Occurrence, Offense, Claim or Suit: Knowledge of any occurrence, claim, or suit by any agent, servant or employee of the Named Insured does not in itself constitute knowledge by the Insured unless notice of such injury, claim or suit shall have been received by: a. you, if you are an individual; b. a partner, if you are a partnership c. an executive officer or insurance manager, if you are a corporation. J. Property Damage Liability - Elevators 1. Under paragraph 2. Exclusions of SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability, subparagraphs (3), (4) and (6) of exclusion j. Damage to Property do not apply if such property damage results from the use of elevators. 2. The following is added to SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, Condition 4. Other Insurance, paragraph b. Excess Insurance: The insurance afforded by this provision of this Endorsement is excess over any property insurance, whether primary, excess, contingent or on any other basis. K. Property Damage Liability - Borrowed Equipment 1. Under paragraph 2. Exclusions of SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability, subparagraph (4) of exclusion j. Damage to Property does not apply to "property damage" to borrowed equipment while not being used to perform operations at a job site. 2. The following is added to SECTION IV - COMMERCIAL GENERAL LIABILITY Conditions, Condition 4. Other Insurance, paragraph b. Excess Insurance: The insurance afforded by this provision of this Endorsement is excess over any property insurance, whether primary, excess, contingent or on any other basis. CG 89 70 (Ed. 11/14) (Page 5 of 12) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 L. Liberalization Clause If we revise this Signature General Liability Broadening Endorsement to provide more coverage without additional premium charge, your policy will automatically provide the coverage as of the date the revision is effective in your state. M. Amendment of Pollution Exclusion (Premises) 1. The following is added to paragraph (1)(a) of Exclusion f. of SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability: (iv) "Bodily injury" or "property damage" arising out of the actual discharge, dispersal, seepage, migration, release or escape of "pollutants." As used in this Endorsement, the actual discharge, dispersal, seepage, migration, release or escape of pollutants must: (aa) commence on a clearly identifiable day during the policy period; and (bb) end, in its entirety, within seventy-two (72) hours of the commencement of the discharge, dispersal, seepage, migration, release or escape of "pollutants"; and (cc) be discovered and reported to us within fifteen (15) days of the clearly identifiable day that the discharge, dispersal, seepage, migration, release or escape of "pollutants" commences; and (dd) be neither expected nor intended from the standpoint of any insured; and (ee) be unrelated to any previous discharge, dispersal, seepage, migration, release or escape; and (ff) not originate at or from a storage tank or other container, duct or piping which: a. is below the surface of the ground or water; or b. at any time has been buried under the surface of the ground or water and then is subsequently exposed. 2. For the purposes of this coverage, the following is added to the definition of "property damage" of SECTION V - DEFINITIONS and applies only as respects this coverage: Land or water, whether below ground level or not, is not tangible property. 3. Coverage provided hereunder does not apply to any discharge, dispersal, seepage, migration, release or escape that is merely threatened or alleged rather than shown to have actually occurred. N. Limited Property Damage to Property of Others The following is added under SECTION I - SUPPLEMENTARY PAYMENTS - COVERAGES A and B: 3. We will pay up to $ 5,000 for loss to personal property of others while in the temporary care, custody or control of an insured caused by any person participating in your organized activities. For the purpose of this supplementary payment, loss shall mean damage or destruction but does not include mysterious disappearance or loss of use. In the event of a theft, a police report must be filed. This supplementary payment does not apply if: a. coverage is otherwise provided by the Property Coverage part (if any) of this Policy; or CG 89 70 (Ed. 11/14) (Page 6 of 12) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 b. the loss is covered by any other insurance you have or by any insurance of such person who causes such loss. These payments will not reduce the Limits of Insurance. O. Additional Insured - Manager or Lessor of Premises 1. SECTION II - WHO IS AN INSURED is amended to include as an additional insured any person or organization from whom you lease or rent property and which requires you to add such person or organization as an additional insured on this Policy under: (a) a written contract; or (b) an oral agreement or contract where a Certificate of Insurance showing that person or organization as an additional insured has been issued; but the written or oral contract or agreement must be an "insured contract," and, (i) currently in effect or become effective during the term of this Policy; and (ii) executed prior to the "bodily injury," "property damage," "personal and advertising injury." 2. With respect to the insurance afforded to the Additional Insured identified in paragraph 1. above, the following additional provisions apply: (a) This insurance applies only with respect to the liability arising out of the ownership, maintenance or use of that part of the premises leased to you. (b) The Limits of Insurance applicable to the Additional Insured are the lesser of those specified in the written contract or agreement or in the Declarations for this Policy and subject to all the terms, conditions and exclusions for this Policy. The Limits of Insurance applicable to the Additional Insured are inclusive of and not in addition to the Limits of Insurance shown in the Declarations. (c) In no event shall the coverages or Limits of Insurance in this Coverage Form be increased by such contract. (d) Coverage provided herein is excess over any other valid and collectible insurance available to the Additional Insured whether the other insurance is primary, excess, contingent or on any other basis unless a written contractual arrangement specifically requires this insurance to be primary. (e) This insurance applies only to the extent permitted by law. 3. This insurance does not apply to: (a) Any "occurrence" or offense which takes place after you cease to be a tenant in that premises. (b) Structural alterations, new construction or demolition operations performed by or on behalf of the Additional Insured. P. Additional Insured - Funding Sources 1. SECTION II - WHO IS AN INSURED is amended to include as an additional insured any Funding Source which requires you in a written contract to name the Funding Source as an additional insured but only with respect to liability arising out of: CG 89 70 (Ed. 11/14) (Page 7 of 12) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 a. your premises; or b. "your work" for such additional insured; or c. acts or omissions of such additional insured in connection with the general supervision of "your work" and only to the extent set forth as follows: a. The Limits of Insurance applicable to the Additional Insured are the lesser of those specified in the written contract or agreement or in the Declarations for this Policy and subject to all the terms, conditions and exclusions for this Policy. The Limits of Insurance applicable to the Additional Insured are inclusive of and not in addition to the Limits of Insurance shown in the Declarations. b. The insurance afforded to the Additional Insured only applies to the extent permitted by law c. If coverage provided to the Additional Insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. d. In no event shall the coverages or Limits of Insurance in this Coverage Form be increased by such contract. Q. Additional Insureds - By Contract 1. SECTION II - WHO IS AN INSURED is amended to include as an insured any person or organization whom you have agreed to add as an additional insured in a written contract, written agreement or permit. Such person or organization is an additional insured but only with respect to liability for "bodily injury," "property damage" or "personal and advertising injury" arising out of: a. your acts or omissions, or the acts or omissions of those acting on your behalf, in the performance of your ongoing operations for the Additional Insured that are subject of the written contract or written agreement provided that the "bodily injury" or "property damage occurs, or the "personal and advertising injury" is committed, subsequent to the signing of such written contract or written agreement; or b. the maintenance, operation or use by you of equipment rented or leased to you by such person or organization; or c. the Additional Insureds financial control of you; or d. operations performed by you or on your behalf for which the state or political subdivision has issued a permit However: 1. the insurance afforded to such additional insured only applies to the extent permitted by law; and 2. if coverage provided to the Additional Insured is required by contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide such additional insured. With respect to paragraph 1.a. above, a person's or organization's status as an additional insured under this Endorsement ends when: CG 89 70 (Ed. 11/14) (Page 8 of 12) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 (1) all work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed for or on behalf of the Additional Insured(s) at the location of the covered operations has been completed; or (2) that portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. With respect to paragraph 1.b. above, this insurance does not apply to any "occurrence" which takes place after the equipment rental or lease agreement has expired or you have returned such equipment to the lessor. The insurance provided by this Endorsement applies only if the written contract or written agreement is signed prior to the "bodily injury" or "property damage." We have no duty to defend an additional insured under this Endorsement until we receive written notice of a "suit" by the Additional Insured as required in paragraph b. of Condition 2. Duties in the Event of Occurrence, Offense, Claim or Suit under SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITION. 2. With respect to the insurance provided by this Endorsement, the following are added to paragraph 2. Exclusions under SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability: This insurance does not apply to: a. "Bodily injury" or "property damage" that occurs prior to your commencing operations at the location where such "bodily injury" or "property damage" occurs. b. "Bodily injury," "property damage" or "personal and advertising injury" arising out of the rendering of, or failure to render, any professional architectural, engineering or surveying services, including: (1) the preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (2) supervisory, inspection, architectural or engineering activities. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that Insured, if the "occurrence" which caused the "bodily injury" or "property damage," or the offense which caused the "personal and advertising injury," involved the rendering of, or failure to render, any professional architectural, engineering or surveying services. c. "Bodily injury" or "property damage" occurring after: (1) all work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed for or on behalf of the Additional Insured(s) at the location of the covered operations has been completed; or (2) that portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. CG 89 70 (Ed. 11/14) (Page 9 of 12) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 d. Any person or organization specifically designated as an additional insured for ongoing operations by a separate additional insured endorsement issued by us and made part of this Policy. 3. With respect to the insurance afforded to these Additional Insureds, the following is added to SECTION III - LIMITS OF INSURANCE: If coverage provided to the Additional Insured is required by a contract or agreement, the most we will pay on behalf of the Additional Insured is the amount of insurance: a. required by the contract or agreement; or b. available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This Endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. R. Primary and Non-Contributory Additional Insured Extension This provision applies to any person or organization who qualifies as an additional insured under any form or endorsement under this Policy. Condition 4. Other Insurance of SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS is amended as follows: a. The following is added to paragraph a. Primary Insurance: This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1) the Additional Insured is a named insured under such other insurance; and (2) you have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the Additional Insured. b. The following is added to paragraph b. Excess Insurance: When a written contract or written agreement, other than a premises lease, facilities rental contract or agreement, an equipment rental or lease contract or agreement or permit issued by a state or political subdivision between you and an additional insured does not require this insurance to be primary or primary and non-contributory, this insurance is excess over any other insurance for which the Additional Insured is designated as a named insured. Regardless of the written agreement between you and an additional insured, this insurance is excess over any other insurance whether primary, excess, contingent or on any other basis for which the Additional Insured has been added as an additional insured on other policies. S. Additional Insureds - Protection of Your Limits This provision applies to any person or organization who qualifies as an additional insured under any form or endorsement under this Policy. 1. The following is added to Condition 2. Duties in the Event of Occurrence, Offense, Claim or Suit: An additional insured under this Endorsement will as soon as practicable: CG 89 70 (Ed. 11/14) (Page 10 of 12) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 a. give written notice of an "occurrence" or an offense that may result in a claim or "suit" under this insurance to us; b. tender the defense and indemnity of any claim or "suit" to all insurers whom also have insurance available to the Additional Insured; and c. agree to make available any other insurance which the Additional Insured has for a loss we cover under this Coverage Part. d. we have no duty to defend or indemnify an additional insured under this Endorsement until we receive written notice of a "suit" by the Additional Insured. 2. The Limits of Insurance applicable to the Additional Insured are those specified in a written contract or written agreement or the Limits of Insurance stated in the Declarations of this Policy and defined in SECTION III - LIMITS OF INSURANCE of this Policy, whichever are less. These limits are inclusive of and not in addition to the Limits of Insurance available under this Policy. T. Blanket Waiver of Transfer of Rights of Recovery Against Others to Us (Subrogation) Under SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, the following is added to Condition 8. Transfer of Rights of Recovery Against Others to Us: If required by a written contract or written agreement, we waive any right of recovery we may have against a person or organization because of payment we make for injury or damage arising out of your ongoing operations or "your work" done under a contract for that person or organization and included in the "products-completed operations hazard" provided that the injury or damage occurs subsequent to the execution of the written contract or written agreement. U. Property Damage Extension with Voluntary Payments 1. The following is added to paragraph 1. Insuring Agreement of SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability: At your request we will pay for "loss" to property of others caused by your business operations for which this Policy provides liability insurance. Such payment will be made without regard to your legal obligation to do so. The "loss" must occur during the policy period and must take place in the "coverage territory." 2. With respect to the coverage afforded under paragraph 1. above, paragraph 2. Exclusions of SECTION I - COVERAGES A - Bodily Injury and Property Damage Liability is amended as follows: Exclusions j.(3), j.(4), j.(5) and j.(6) are deleted. 3. As respects coverage afforded by this coverage, SECTION III - LIMITS OF INSURANCE is replaced by the following: Regardless of the number of insureds, claims made or "suits" brought or persons or organizations making claims or bring "suits": 1. Subject to 2. Below, the most we will pay for one or more "loss" arising out of any one "occurrence" is $ 1,000. 2. The aggregate amount we will pay for the sum of all "loss" in an annual period is $ 5,000. This aggregate amount is part of and not in addition to the General Aggregate Limit described in paragraph 2. of SECTION III - LIMITS OF INSURANCE. CG 89 70 (Ed. 11/14) (Page 11 of 12) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 V. Who Is an Insured - Fellow Employee Extension - Management Employees 1. The following is added to paragraph 2.a.(1) of SECTION II - WHO IS AN INSURED: Paragraph (a) and (b) above do not apply to "bodily injury" or "personal and advertising injury" caused by an "employee" who is acting in a supervisory capacity for you. Supervisory capacity as used herein means the "employee's" job responsibilities assigned by you, including the direct supervision of other "employee" of yours. However, none of these "employees" are insureds for "bodily injury" or "personal and advertising injury" arising out of their willful conduct, which is defined as the purposeful or willful intent to cause "bodily injury" or "personal and advertising injury," caused in whole or in part by their intoxication by liquor or controlled substances. This coverage is excess over any other valid and collectable insurance available to your "employee." W. Broadened Personal and Advertising Injury 1. Unless "Personal and Advertising Injury" is excluded from this Policy, the following is added to SECTION V - DEFINITIONS Item 14.: h. mental injury, mental anguish, humiliation, or shock, if directly resulting from Items 14.a. through 14.e. CG 89 70 (Ed. 11/14) (Page 12 of 12) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 90 83 (Ed. 06/17) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - ABUSE, MOLESTATION, HARASSMENT OR SEXUAL CONDUCT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART The following is added to the Exclusions section of the policy: This insurance does not apply to "bodily injury," "property damage," or "personal and advertising injury" arising out of: (a) the actual, threatened or alleged "abuse", molestation, harassment or sexual conduct by anyone of any person; or (b) the negligent: (i) employment; (ii) investigation; (iii) supervision; (iv) reporting to the proper authorities, (v) or failure to so report; (vi) retention; or (vii) referral of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by a. above. For the purpose of this endorsement: "Abuse" means: a. any actual, threatened, or alleged act, error, omission, conduct, or misconduct, that a claim or "suit" alleges to be, or to constitute, any form of abuse (including, but not limited to, elder abuse, child abuse, patient abuse, or abuse of a dependent person) under any applicable state or federal statute or regulation; and b. any actual, threatened, or alleged act, error, omission, conduct, or misconduct, of one or more of the following kinds: (1) sexual behavior, sexual conduct or misconduct, sexual assault, sexual battery, sexual abuse, or sexual molestation, of or directed at a person; Includes copyrighted material of Insurance Services Office, Inc., with its permission. CG 90 83 (Ed. 06/17) (Page 1 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 (2) non-sexual assault, non-sexual battery, or non-sexual abuse, of or directed at a person; and (3) any: (i) employment; (ii) investigation; (iii) supervision; (iv) reporting to proper authorities, or failure to so report; or (v) retention in employment; of any person committing conduct or misconduct described in b.(1) or b.(2); or (vi) referral of a patient, student, parishioner, client, or person, to any other person whose conduct or misconduct is described in a., b.(1), or b.(2). Conduct or misconduct described in b.(1) through b.(3) constitutes "abuse" within the meaning of this definition regardless of whether or not it is alleged to be negligent, reckless, knowing, intentional, fraudulent, oppressive, malicious, or otherwise. This endorsement does not change any other provision of the policy. Includes copyrighted material of Insurance Services Office, Inc., with its permission. CG 90 83 (Ed. 06/17) (Page 2 of 2) * S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG 91 69 (Ed. 02/20) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MEDICAL PAYMENTS AT YOUR REQUEST ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM The following is added to SECTION I—COVERAGES -COVERAGE C -MEDICAL PAYMENTS: If medical payments are covered and not otherwise excluded under the policy, medical payments will be paid only if you request that we pay such expenses. All other terms and conditions of the policy remain unchanged. © Insurance Services Office, Inc., 2019 CG 91 69 (Ed. 02/20) * S1 * 05/13/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 IL 70 02 (Ed. 10/07) Policy No. GLP 0482161 11 Effective Date of Change 05/09/2024 POLICY CHANGES NAMED INSURED BARK THERAPY DOGS THIS ENDORSEMENT CHANGES THE POLICY. AND ADDRESS: PO BOX 91478 PLEASE READ IT LONG BEACH, CA 90809 1478 CAREFULLY. POLICY ALTERNATE MAILING ADDRESS: AGENT'S NAME AND ADDRESS: DON GATH INSURANCE AGENCY PO BOX 90245 LONG BEACH, CA 90809 0245 Insurance is afforded by the Company named below, a Capital Stock Corporation: GREAT AMERICAN ASSURANCE COMPANY POLICY PERIOD: From 04/10/2024 To 04/10/2025 12:01 A.M. Standard Time at the address of the Named Insured ADDITIONAL PREMIUM $50.00 IT IS HEREBY UNDERSTOOD AND AGREED THAT THIS POLICY IS AMENDED AS FOLLOWS: ADDED FORM CG2026 ADDITIONAL INSURED AS THE FOLLOWING: THE CITY OF SANTA ANA 20 CIVIC CENTER PLAZA SANTA ANA, CALIFORNIA 92701 THE CITY OF SANTA ANA IT'S OFFICERS, EMPLOYEES, AGENTS AND REPRESENTATIVES. ENDORSEMENT 1 . ANY AMENDED FORMS ATTACHED TO THIS CHANGE DISPLAY PREMIUMS FOR A FULL POLICY TERM. Forms and Endorsement Activity IL 70 02 (Ed. 10/07) (Page 1 of 2) * S1 * 05/13/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 CG2026 12/19 ADDL INS-DESIGNATED PERSON/ORGANI ADDED Agent Signature Date IL 70 02 (Ed. 10/07) (Page 2 of 2) CITY OF SANTA ANA RISK MANAGEMENT a dLc,� HUMAN RESOURCESsa �Wotla IIIc) Rich; poi itivc C:ha11gc° WORKERS' COMPENSATION DECLARATION Josie Gavieres _ hereby affirm under penalty of perjury, the (Name/Title) following declaration: certify on behalf of BARK Therapy Dogs _ that during the term (Consultant/Company Name) of my contract for Reading Dogs services with the City of Santa Ana, (Type of service provided) 1 will not employ any person in any manner so as to become subject to the workers' compensation laws of California, and agree that if I should become subject to the workers' compensation provisions of Section 3700 of the Labor Code, I shall forthwith comply with the provisions and provide proof of workers' compensation coverage immediately. li,)e �: ' �? ! j � t�e� � % Z,;Atlw Date: September 19, 2023 Print Name: Josie Gavieres Print Title: Director Signature. Telephone: 562-235-8835 WARNING: FAILURE TO SECURE WORKERS' COMPENSATION COVERAGE IS UNLAWFUL, AND SHALL SUBJECT AN EMPLOYER TO CRIMINAL PENALTIES AND CIVIL FINES UP TO ONE HUNDRED THOUSAND DOLLARS ($100,000). IN ADDITION TO THE COST OF COMPENSATION, DAMAGES AS PROVIDED FOR IN SECTION 3706 OF THE LABOR CODE, INTEREST, AND ATTORNEY'S FEES. l: Risk Mgmt�lnsurance Requirements�WC Declaration 08152019 DATE(MM/DD/YYYY) ACORN° CERTIFICATE OF LIABILITY INSURANCE 04/23/2025 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 NAME: Margeret Vander Ploeg Don Gath Insurance Agency PHONE FAX 2199 Temple Ave (A/C. A/C No Ext: (562)498-6701 A/C,No): (562)985-1349 Signal Hill CA 90755 ADDRESS: margeret@gathinsurance.com License#: 0447779 INSURER(S)AFFORDING COVERAGE NAIC# INSURERA: Great American Insurance Company INSURED INSURER B Bark Therapy Dogs INSURERC: P.O. Box 91478 INSURER D: Long Beach, CA 90809-1478 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: 00001617-317800 REVISION NUMBER: 33 THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT,TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN,THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR I POLICY NUMBER MM/DD/YYYY MM/DDIYYYY A X COMMERCIAL GENERAL LIABILITY Y GLP 0482161 12 04/10/2025 04/10/2026 EACH OCCURRENCE $ 1,000,000 CLAIMS-MADE DAMAGE TO RENTED X OCCUR PREMISES Ea occurrence $ 100,000 MED EXP(Any one person) $ 5,000 PERSONAL&ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 X POLICY ECT LOC PRODUCTS-COMP/OP AGG $ 2,000,000 OTHER: $ AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ Ea accident ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY AUTOS ONLY Per accident UMBRELLA LIAB OCCUR EACH OCCURRENCE $ EXCESS LIAB CLAIMS-MADE AGGREGATE $ DED RETENTION$ $ WORKERS COMPENSATION PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTE ER ANY PROPRIETOR/PARTNER/EXECUTIVE ❑ E.L.EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? N I A (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) Chapman University is named as an additional insured under Form CG8970 Social Service Agency General Liability Broadening Form:Additional Insured Digitally signed Tu Tran N9�Y n"an APPROVED Nu en Date: g y zozs.oa.za By Tu Tran Nguyen at 12:36 pm,Apr 28,2025 12:37:19-07'00' CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF,NOTICE WILL BE DELIVERED IN City of Sana Ana ACCORDANCE WITH THE POLICY PROVISIONS. 20 Civic Center Plaza Santa Ana, CA 92702 AUTHORIZED REPRESENTATIVE (MAV) 04 198 015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD Printed by MAV on 04/23/2025 at 01:15PM * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 IL 70 01 (Ed. 10107) Policy No. GLP 0482161 12 00 Renewal Of GLP 0482161 11 00 POLICY COMMON DECLARATIONS NAMED INSURED Bark Therapy Dogs AND ADDRESS: Po Box 91478 Long Beach, CA 90809 IN RETURN FOR PAYMENT OF THE AGENT'S AGENT'S NAME AND ADDRESS: PREMIUM,AND SUBJECT TO ALL Don Gath Insurance Agency TERMS OF THIS POLICY,WE AGREE PO Box 90245 WITH YOU TO PROVIDE THE INSURANCE AS Long Beach, CA 90809-0245 STATED IN THIS POLICY. Insurance is afforded by the Company named below, a Capital Stock Corporation: Great American Assurance Company POLICY PERIOD: From 04/10/2025 To 04/10/2026 12:01 A.M. Standard Time at the address of the Named Insured This policy consists of the following Coverage Parts for which a premium is indicated.This premium may be subject to adjustment. Premium Commercial Property $ Commercial General Liability $ 916.00 Commercial Crime and Fidelity $ Commercial Inland Marine $ Commercial Equipment Breakdown $ Commercial Auto $ Commercial Umbrella $ Commercial Business Owners Policy $ Commercial Cyber Coverage $ TOTAL $ 916.00 FORMS AND ENDORSEMENTS applicable to all POLICY ALTERNATE MAILING ADDRESS: Coverage Parts and made part of this Policy at time of issue are listed on the attached Forms and Endorsements Schedule IL 88 01 (11/85). IL 70 01 (Ed. 10/07) Page 1 of 1 * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 IL 00 17 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation b. Give you reports on the conditions we find; 1. The first Named Insured shown in the Declara- and tions may cancel this policy by mailing or de- c. Recommend changes. livering to us advance written notice of cancel- 2. We are not obligated to make any inspections, lation. surveys, reports or recommendations and any 2. We may cancel this policy by mailing or deliv- such actions we do undertake relate only to in- ering to the first Named Insured written notice surability and the premiums to be charged. We of cancellation at least: do not make safety inspections. We do not un- a. 10 days before the effective date of cancel- dertake to perform the duty of any person or lation if we cancel for nonpayment of pre- organization to provide for the health or safety mium; or of workers or the public. And we do not warrant that conditions: b. 30 days before the effective date of cancel- lation if we cancel for any other reason. a. Are safe or healthful; or 3. We will mail or deliver our notice to the first b. Comply with laws, regulations, codes or Named Insured's last mailing address known to standards. US. 3. Paragraphs 1. and 2. of this condition apply 4. Notice of cancellation will state the effective not only to us, but also to any rating, advisory, date of cancellation. The policy period will end rate service or similar organization which on that date. makes insurance inspections, surveys, reports or recommendations. 5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we 4. Paragraph 2. of this condition does not apply cancel, the refund will be pro rats. If the first to any inspections, surveys, reports or recom- Named Insured cancels, the refund may be mendations we may make relative to certifica- less than pro rata. The cancellation will be ef- tion, under state or municipal statutes, ordi- fective even if we have not made or offered a ell or elevators. regulations, of boilers, pressure ves- s refund. els or evators. 6. If notice is mailed, proof of mailing will be suf- E. Premiums ficient proof of notice. The first Named Insured shown in the Declara- B. Changes tions: This policy contains all the agreements between 1. Is responsible for the payment of all premiums; you and us concerning the insurance afforded. and The first Named Insured shown in the Declara- 2. Will be the payee for any return premiums we tions is authorized to make changes in the terms pay. of this policy with our consent. This policy's terms F. Transfer Of Your Rights And Duties Under can be amended or waived only by endorsement This Policy issued by us and made a part of this policy. Your rights and duties under this policy may not C. Examination Of Your Books And Records be transferred without our written consent except We may examine and audit your books and rec- in the case of death of an individual named in- ords as they relate to this policy at any time during sured. the policy period and up to three years afterward. If you die, your rights and duties will be trans- D. Inspections And Surveys ferred to your legal representative but only while 1. We have the right to: acting within the scope of duties as your legal rep- resentative. Until your legal representative is ap- a. Make inspections and surveys at any time; pointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 ❑ * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 CG 74 00 (Ed. 07 01) Policy No. GLP 0482161 12 00 GENERAL LIABILITY COVERAGE PART DECLARATIONS PAGE NAMED INSURED: Bark Therapy Dogs POLICY PERIOD: 04/10/2025 to 04/10/2026 LIMITS OF INSURANCE: General Aggregate Limit (Other Than Products -Completed Operations) $ 2,000,000 Products - Completed Operations Aggregate Limit $ 2,000,000 Personal and Advertising Injury Limit $ 1,000,000 Each Occurrence Limit $ 1,000,000 Damage to Premises Rented to You Limit $ 100,000 Any One Premises Medical Expense Limit $ 5,000 Any One Person FORM OF BUSINESS: CORPORATION TOTAL ESTIMATED PREMIUM: $531.00 Products/Completed Operations All Other $ 0.00 $ 531.00 SCHEDULE OF LOCATIONS: LOCATION: 001 NO PHYSICAL LOCATION LONG BEACH, CA 90809 CLASS CODE:44444 PREMIUM BASIS: PER ATTENDEE Classification : CAMPUS VISITS-OFF SITE TO SCHOOLS AND HOSP ECT Products/Completed Operations All Other EXPOSURE EXPOSURE 250 RATE: RATE: PREMIUM: PREMIUM: $195.00 CG 74 00 ( Ed . 07 / 01 ) (Page 1 of 2 ) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 CLASS CODE: 01211 PREMIUM BASIS: MANUAL RATED-NON-AUDIT Classification : [CG8970]-.SIGNATURE GL BROADENING ENDORSEMENT Products/Completed Operations All Other EXPOSURE EXPOSURE RATE: RATE: PREMIUM: PREMIUM: $165.00 CLASS CODE: 49950 PREMIUM BASIS: MANUAL RATED-NON-AUDIT Classification : THE CITY OF SANTA ANA 20 CIVIC CENTER PLAZA THE CITY OF SANTA ANA IT'S OFFICERS, EMPLOYEES, AGENTS AND REPRESENTATIVES [CG2026]-DESIGNATED PERSON Products/Completed Operations All Other EXPOSURE EXPOSURE RATE: RATE: PREMIUM: PREMIUM: $50.00 CLASS CODE : 41668 Loc: 1 PREMIUM BASIS:AREA Classification : CLUBS-CIVIC, SERVICE OR SOCIAL- HAVING BUILDINGS OR PREMISES OWNED OR LEASED-NOT-FOR-PROFIT ONLY PRODUCTS-COMPLETED OPERATIONS COVERAGE IS INCLUDED BUT IS SUBJECT TO THE GENERAL AGGREGATE LIMIT NOT THE PRODUCT COMPLETED OPERATION AGGREGATE LIMIT, IF ANY Products/Completed Operations All Other EXPOSURE 175 EXPOSURE 175 RATE: INCLUDED RATE: 689.068 PREMIUM: INCLUDED PREMIUM: $121.00 FORMS AND ENDORSEMENTS applicable to this Coverage Part and made a part of this Policy at the time of issue are listed on the attached Forms and Endorsements Schedule CG 88 01 (11/85). CG 74 00 ( Ed . 0 7 / 0 1 ) (Page 2 of 2 ) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 CG 82 82 (Ed. 12/09) Policy No. GLP 0482161 12 00 ABUSE OR MOLESTATION COVERAGE FORM DECLARATIONS PAGE NAMED INSURED: Bark Therapy Dogs POLICY PERIOD: 04/10/2025 to 04/10/2026 LIMITS OF INSURANCE: Aggregate Limit $1,000,000 Each Abuse Limit $ 1,000,000 DESCRIPTION OF BUSINESS: Form of Business ( ) Individual ( ) Joint Venture ( ) Partnership ( X ) Organization (Other Than Partnership or Joint Venture) READ YOUR POLICY CAREFULLY, OPTIONAL COVERAGES ARE PROVIDED BY PREMIUM INSERTION. Premium Abuse or Molestation Coverage $385 TOTAL ADVANCE PREMIUM $ 385 Premium shown is payable: $ at inception; FORMS AND ENDORSEMENTS Applicable to this Coverage Part and made part of this Policy at time of issue are listed on the attached Forms and Endorsements Schedule CG 88 01 (11/85). CG 82 82 (Ed. 12/09) (Page 1 of 1) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 COMMERCIAL GENERAL LIABILITY CG 00 01 04 13 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. (2) The "bodily injury" or "property damage" Read the entire policy carefully to determine rights, occurs during the policy period; and duties and what is and is not covered. (3) Prior to the policy period, no insured listed Throughout this policy the words "you" and "your" under Paragraph 1. of Section II — Who Is refer to the Named Insured shown in the Declarations, An Insured and no "employee" authorized and any other person or organization qualifying as a by you to give or receive notice of an Named Insured under this policy. The words "we", "occurrence" or claim, knew that the "bodily "us" and "our" refer to the company providing this injury" or "property damage" had occurred, insurance. in whole or in part. If such a listed insured The word "insured" means any person or organization or authorized "employee" knew, prior to the qualifying as such under Section II — Who Is An policy period, that the "bodily injury" or Insured. "property damage" occurred, then any continuation, change or resumption of such Other words and phrases that appear in quotation "bodily injury" or "property damage" during marks have special meaning. Refer to Section V — or after the policy period will be deemed to Definitions. have been known prior to the policy period. SECTION I—COVERAGES c. "Bodily injury" or "property damage" which COVERAGE A—BODILY INJURY AND PROPERTY occurs during the policy period and was not, DAMAGE LIABILITY prior to the policy period, known to have 1. Insuring Agreement occurred by any insured listed under Paragraph 1. of Section II —Who Is An Insured a. We will pay those sums that the insured or any "employee" authorized by you to give or becomes legally obligated to pay as damages receive notice of an "occurrence" or claim, because of"bodily injury" or"property damage" includes any continuation, change or to which this insurance applies. We will have resumption of that "bodily injury" or "property the right and duty to defend the insured against damage" after the end of the policy period. any "suit" seeking those damages. However, d. "Bodily injury" or "property damage" will be we will have no duty to defend the insured against any "suit" seeking damages for "bodily deemed to have been known to have occurred injury" or "property damage" to which this at the earliest time when any insured listed insurance does not apply. We may, at our under Paragraph 1. of Section II — Who Is An discretion, investigate any "occurrence" and Insured or any employee authorized by you to settle any claim or"suit"that may result. But: give or receive notice of an "occurrence" or claim: (1) The amount we will pay for damages is (1) Reports all, or any part, of the "bodily injury" limited as described in Section III — Limits or "property damage" to us or any other Of Insurance; and insurer; (2) Our right and duty to defend ends when we (2) Receives a written or verbal demand or have used up the applicable limit of insurance in the payment of judgments or claim for damages because of the "bodily settlements under Coverages A or B or injury" or"property damage"; or medical expenses under Coverage C. (3) Becomes aware by any other means that No other obligation or liability to pay sums or "bodily injury" or "property damage" has perform acts or services is covered unless occurred or has begun to occur. explicitly provided for under Supplementary e. Damages because of "bodily injury" include Payments—Coverages A and B. damages claimed by any person or b. This insurance applies to "bodily injury" and organization for care, loss of services or death "property damage" only if: resulting at any time from the "bodily injury". (1) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage territory"; CG 00 01 04 13 ©Insurance Services Office, Inc., 2012 Page 1 of 16 * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 2. Exclusions This exclusion applies even if the claims This insurance does not apply to: against any insured allege negligence or other a. Expected Or Intended Injury wrongdoing in: (a) The supervision, hiring, employment, "Bodily injury or property damage expected training or monitoring of others by that or intended from the standpoint of the insured. insured; or This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to (b) Providing or failing to provide protect persons or property. transportation with respect to any person that may be under the influence b. Contractual Liability of alcohol; "Bodily injury" or "property damage" for which if the "occurrence" which caused the "bodily the insured is obligated to pay damages by injury" or "property damage", involved that reason of the assumption of liability in a which is described in Paragraph (1), (2) or (3) contract or agreement. This exclusion does not above. apply to liability for damages: However, this exclusion applies only if you are (1) That the insured would have in the absence in the business of manufacturing, distributing, of the contract or agreement; or selling, serving or furnishing alcoholic (2) Assumed in a contract or agreement that is beverages. For the purposes of this exclusion, an "insured contract", provided the "bodily permitting a person to bring alcoholic injury" or "property damage" occurs beverages on your premises, for consumption subsequent to the execution of the contract on your premises, whether or not a fee is or agreement. Solely for the purposes of charged or a license is required for such liability assumed in an "insured contract", activity, is not by itself considered the business reasonable attorneys' fees and necessary of selling, serving or furnishing alcoholic litigation expenses incurred by or for a party beverages. other than an insured are deemed to be d. Workers' Compensation And Similar Laws damages because of "bodily injury" or "property damage", provided: Any obligation of the insured under a workers' compensation, disability benefits or (a) Liability to such party for, or for the cost unemployment compensation law or any of, that party's defense has also been similar law. assumed in the same "insured contract"; and e. Employer's Liability (b) Such attorneys' fees and litigation "Bodily injury"to: expenses are for defense of that party (1) An "employee" of the insured arising out of against a civil or alternative dispute and in the course of: resolution proceeding in which damages (a) Employment by the insured; or to which this insurance applies are alleged. (b) Performing duties related to the conduct c. Liquor Liability of the insured's business; or "Bodily injury" or "property damage" for which (2) The spouse, child, parent, brother or sister any insured may be held liable by reason of: of that "employee" as a consequence of Paragraph (1) above. (1) Causing or contributing to the intoxication of This exclusion applies whether the insured any person; may be liable as an employer or in any other (2) The furnishing of alcoholic beverages to a capacity and to any obligation to share person under the legal drinking age or damages with or repay someone else who under the influence of alcohol; or must pay damages because of the injury. (3) Any statute, ordinance or regulation relating This exclusion does not apply to liability to the sale, gift, distribution or use of assumed by the insured under an "insured alcoholic beverages. contract". Page 2 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 04 13 * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 f. Pollution (d) At or from any premises, site or location (1) "Bodily injury" or "property damage" arising on which any insured or any contractors out of the actual, alleged or threatened or subcontractors working directly or discharge, dispersal, seepage, migration, indirectly on any insured's behalf are release or escape of"pollutants": performing operations if the "pollutants" are brought on or to the premises, site (a) At or from any premises, site or location or location in connection with such which is or was at any time owned or operations by such insured, contractor occupied by, or rented or loaned to, any or subcontractor. However, this insured. However, this subparagraph subparagraph does not apply to: does not apply to: (i) "Bodily injury" or "property damage" (i) "Bodily injury" if sustained within a arising out of the escape of fuels, building and caused by smoke, lubricants or other operating fluids fumes, vapor or soot produced by or which are needed to perform the originating from equipment that is normal electrical, hydraulic or used to heat, cool or dehumidify the mechanical functions necessary for building, or equipment that is used to the operation of "mobile equipment" heat water for personal use, by the or its parts, if such fuels, lubricants building's occupants or their guests; or other operating fluids escape from (i i) "Bodily injury" or "property damage" a vehicle part designed to hold, store for which you may be held liable, if or receive them. This exception does you are a contractor and the owner not apply if the "bodily injury" or or lessee of such premises, site or "property damage" arises out of the location has been added to your intentional discharge, dispersal or policy as an additional insured with release of the fuels, lubricants or respect to your ongoing operations other operating fluids, or if such performed for that additional insured fuels, lubricants or other operating at that premises, site or location and fluids are brought on or to the such premises, site or location is not premises, site or location with the and never was owned or occupied intent that they be discharged, by, or rented or loaned to, any dispersed or released as part of the insured, other than that additional operations being performed by such insured; or insured, contractor or subcontractor; (iii) "Bodily injury" or "property damage" (i i) "Bodily injury" or "property damage" arising out of heat, smoke or fumes sustained within a building and from a "hostile fire"; caused by the release of gases, (b) At or from any premises, site or location fumes or vapors from materials which is or was at any time used by or brought into that building in for any insured or others for the connection with operations being handling, storage, disposal, processing performed by you or on your behalf or treatment of waste; by a contractor or subcontractor; or (c) Which are or were at any time (iii) "Bodily injury" or "property damage" transported, handled, stored, treated, arising out of heat, smoke or fumes disposed of, or processed as waste by from a "hostile fire". or for: (e) At or from any premises, site or location (i) Any insured; or on which any insured or any contractors or subcontractors working directly or (ii) Any person or organization for whom indirectly on any insured's behalf are you may be legally responsible; or performing operations if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants". CG 00 01 04 13 ©Insurance Services Office, Inc., 2012 Page 3 of 16 * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 (2) Any loss, cost or expense arising out of (5) "Bodily injury" or "property damage" arising any: out of: (a) Request, demand, order or statutory or (a) The operation of machinery or regulatory requirement that any insured equipment that is attached to, or part of, or others test for, monitor, clean up, a land vehicle that would qualify under remove, contain, treat, detoxify or the definition of "mobile equipment" if it neutralize, or in any way respond to, or were not subject to a compulsory or assess the effects of, "pollutants"; or financial responsibility law or other (b) Claim or suit by or on behalf of a motor vehicle insurance law where it is governmental authority for damages licensed or principally garaged; or because of testing for, monitoring, (b) The operation of any of the machinery cleaning up, removing, containing, or equipment listed in Paragraph f.(2) or treating, detoxifying or neutralizing, or in f.(3) of the definition of "mobile any way responding to, or assessing the equipment". effects of, "pollutants". h. Mobile Equipment However, this paragraph does not apply to "Bodily injury" or "property damage" arising out liability for damages because of "property of: damage" that the insured would have in the absence of such request, demand, order or (1) The transportation of"mobile equipment" by statutory or regulatory requirement, or such an "auto" owned or operated by or rented or claim or "suit" by or on behalf of a loaned to any insured; or governmental authority. (2) The use of "mobile equipment" in, or while g. Aircraft, Auto Or Watercraft in practice for, or while being prepared for, "Bodily injury" or "property damage" arising out any prearranged racing, speed, demolition, of the ownership, maintenance, use or or stunting activity. entrustment to others of any aircraft, "auto" or i. War watercraft owned or operated by or rented or "Bodily injury" or "property damage", however loaned to any insured. Use includes operation caused, arising, directly or indirectly, out of: and "loading or unloading". (1) War, including undeclared or civil war; This exclusion applies even if the claims (2) Warlike action by a military force, including against any insured allege negligence or other action in hindering or defending against an wrongdoing in the supervision, hiring, actual or expected attack, by any employment, training or monitoring of others by that insured, if the "occurrence" which caused government, sovereign or other authority the "bodily injury" or "property damage" using military personnel or other agents; or involved the ownership, maintenance, use or (3) Insurrection, rebellion, revolution, usurped entrustment to others of any aircraft, "auto" or power, or action taken by governmental watercraft that is owned or operated by or authority in hindering or defending against rented or loaned to any insured. any of these. This exclusion does not apply to: j. Damage To Property (1) A watercraft while ashore on premises you "Property damage"to: own or rent; (1) Property you own, rent, or occupy, including (2) A watercraft you do not own that is: any costs or expenses incurred by you, or (a) Less than 26 feet long; and any other person, organization or entity, for repair, replacement, enhancement, (b) Not being used to carry persons or restoration or maintenance of such property property for a charge; for any reason, including prevention of (3) Parking an "auto" on, or on the ways next injury to a person or damage to another's to, premises you own or rent, provided the property; "auto" is not owned by or rented or loaned (2) Premises you sell, give away or abandon, if to you or the insured; the "property damage" arises out of any (4) Liability assumed under any "insured part of those premises; contract" for the ownership, maintenance or (3) Property loaned to you; use of aircraft or watercraft; or Page 4 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 04 13 * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 (4) Personal property in the care, custody or This exclusion does not apply to the loss of use control of the insured; of other property arising out of sudden and (5) That particular part of real property on accidental physical injury to "your product" or which you or any contractors or "your work" after it has been put to its intended subcontractors working directly or indirectly use. on your behalf are performing operations, if n. Recall Of Products, Work Or Impaired the "property damage" arises out of those Property operations; or Damages claimed for any loss, cost or (6) That particular part of any property that expense incurred by you or others for the loss must be restored, repaired or replaced of use, withdrawal, recall, inspection, repair, because "your work" was incorrectly replacement, adjustment, removal or disposal performed on it. of: Paragraphs (1), (3) and (4) of this exclusion do (1) "Your product"; not apply to "property damage" (other than (2) "Your work"; or damage by fire) to premises, including the contents of such premises, rented to you for a (3) "Impaired property"; period of seven or fewer consecutive days. A if such product, work, or property is withdrawn separate limit of insurance applies to Damage or recalled from the market or from use by any To Premises Rented To You as described in person or organization because of a known or Section III— Limits Of Insurance. suspected defect, deficiency, inadequacy or Paragraph (2) of this exclusion does not apply dangerous condition in it. if the premises are "your work" and were never o. Personal And Advertising Injury occupied, rented or held for rental by you. "Bodily injury" arising out of "personal and Paragraphs (3), (4), (5) and (6) of this advertising injury". exclusion do not apply to liability assumed p, Electronic Data under a sidetrack agreement. P Damages arising out of the loss of, loss of use Paragraph (6) of this exclusion does not apply to "property damage" included in the "products- of, damage to, corruption of, inability to access, completed operations hazard". or inability to manipulate electronic data. k. Damage To Your Product However, this exclusion does not apply to liability for damages because of"bodily injury". "Property damage" to "your product" arising out As used in this exclusion, electronic data of it or any part of it. means information, facts or programs stored as I. Damage To Your Work or on, created or used on, or transmitted to or "Property damage" to "your work" arising out of from computer software, including systems and it or any part of it and included in the "products- applications software, hard or floppy disks, CD- completed operations hazard". ROMs, tapes, drives, cells, data processing This exclusion does not apply if the damaged devices or any other media which are used work or the work out of which the damage with electronically controlled equipment. arises was performed on your behalf by a q• Recording And Distribution Of Material Or subcontractor. Information In Violation Of Law m. Damage To Impaired Property Or Property "Bodily injury" or "property damage" arising Not Physically Injured directly or indirectly out of any action or "Property damage" to "impaired property" or omission that violates or is alleged to violate: property that has not been physically injured, (1) The Telephone Consumer Protection Act arising out of: (TCPA), including any amendment of or (1) A defect, deficiency, inadequacy or addition to such law; dangerous condition in "your product" or (2) The CAN-SPAM Act of 2003, including any "your work"; or amendment of or addition to such law; (2) A delay or failure by you or anyone acting (3) The Fair Credit Reporting Act (FCRA), and on your behalf to perform a contract or any amendment of or addition to such law, agreement in accordance with its terms. including the Fair and Accurate Credit Transactions Act (FACTA); or CG 00 01 04 13 ©Insurance Services Office, Inc., 2012 Page 5 of 16 * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 (4) Any federal, state or local statute, 2. Exclusions ordinance or regulation, other than the This insurance does not apply to: TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that a. Knowing Violation Of Rights Of Another addresses, prohibits, or limits the printing, "Personal and advertising injury" caused by or dissemination, disposal, collecting, at the direction of the insured with the recording, sending, transmitting, knowledge that the act would violate the rights communicating or distribution of material or of another and would inflict "personal and information. advertising injury". Exclusions c. through n. do not apply to damage b. Material Published With Knowledge Of by fire to premises while rented to you or Falsity temporarily occupied by you with permission of the "Personal and advertising injury" arising out of owner. A separate limit of insurance applies to this oral or written publication, in any manner, of coverage as described in Section III — Limits Of material, if done by or at the direction of the Insurance. insured with knowledge of its falsity. COVERAGE B—PERSONAL AND ADVERTISING c. Material Published Prior To Policy Period INJURY LIABILITY 1. Insuring Agreement "Personal and advertising injury" arising out of oral or written publication, in any manner, of a. We will pay those sums that the insured material whose first publication took place becomes legally obligated to pay as damages before the beginning of the policy period. because of "personal and advertising injury" to d. Criminal Acts which this insurance applies. We will have the right and duty to defend the insured against "Personal and advertising injury" arising out of any "suit" seeking those damages. However, a criminal act committed by or at the direction we will have no duty to defend the insured of the insured. against any "suit" seeking damages for e. Contractual Liability "personal and advertising injury" to which this "Personal and advertising injury" for which the insurance does not apply. We may, at our insured has assumed liability in a contract or discretion, investigate any offense and settle any claim or"suit"that may result. But: agreement. This exclusion does not apply to liability for damages that the insured would (1) The amount we will pay for damages is have in the absence of the contract or limited as described in Section III — Limits agreement. Of Insurance; and f. Breach Of Contract (2) Our right and duty to defend end when we have used up the applicable limit of "Personal and advertising injury" arising out of insurance in the payment of judgments or a breach of contract, except an implied contract a use nt". rs advertising idea in settlements under Coverages A or B or medical expenses under Coverage C. your"advertisement". No other obligation or liability to pay sums or g• Quality Or Performance Of Goods—Failure perform acts or services is covered unless To Conform To Statements explicitly provided for under Supplementary "Personal and advertising injury" arising out of Payments—Coverages A and B. the failure of goods, products or services to conform with any statement of quality or b. This insurance applies to personal and performance made in your"advertisement". advertising injury caused by an offense arising out of your business but only if the offense was h. Wrong Description Of Prices committed in the "coverage territory" during the "Personal and advertising injury" arising out of policy period. the wrong description of the price of goods, products or services stated in your "advertisement". Page 6 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 04 13 * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 i. Infringement Of Copyright, Patent, n. Pollution-related Trademark Or Trade Secret Any loss, cost or expense arising out of any: "Personal and advertising injury" arising out of (1) Request, demand, order or statutory or the infringement of copyright, patent, regulatory requirement that any insured or trademark, trade secret or other intellectual others test for, monitor, clean up, remove, property rights. Under this exclusion, such other intellectual property rights do not include contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects the use of another's advertising idea in your of, "pollutants"; or "advertisement". However, this exclusion does not apply to (2) Claim or suit by or on behalf of a infringement, in your "advertisement", of governmental authority for damages copyright, trade dress or slogan. because of testing for, monitoring, cleaning up, removing, containing, treating, j. Insureds In Media And Internet Type detoxifying or neutralizing, or in any way Businesses responding to, or assessing the effects of, "Personal and advertising injury" committed by "pollutants". an insured whose business is: o. War (1) Advertising, broadcasting, publishing or "Personal and advertising injury", however telecasting; caused, arising, directly or indirectly, out of: (2) Designing or determining content of web (1) War, including undeclared or civil war; sites for others; or (2) Warlike action by a military force, including (3) An Internet search, access, content or action in hindering or defending against an service provider. actual or expected attack, by any However, this exclusion does not apply to government, sovereign or other authority Paragraphs 14.a., b. and c. of "personal and using military personnel or other agents; or advertising injury" under the Definitions (3) Insurrection, rebellion, revolution, usurped section. power, or action taken by governmental For the purposes of this exclusion, the placing authority in hindering or defending against of frames, borders or links, or advertising, for any of these. you or others anywhere on the Internet, is not p. Recording And Distribution Of Material Or by itself, considered the business of Information In Violation Of Law advertising, broadcasting, publishing or "Personal and advertising injury" arising telecasting. directly or indirectly out of any action or k. Electronic Chatrooms Or Bulletin Boards omission that violates or is alleged to violate: "Personal and advertising injury" arising out of (1) The Telephone Consumer Protection Act an electronic chatroom or bulletin board the (TCPA), including any amendment of or insured hosts, owns, or over which the insured addition to such law; exercises control. (2) The CAN-SPAM Act of 2003, including any I. Unauthorized Use Of Another's Name Or amendment of or addition to such law; Product (3) The Fair Credit Reporting Act (FCRA), and "Personal and advertising injury" arising out of any amendment of or addition to such law, the unauthorized use of another's name or including the Fair and Accurate Credit product in your e-mail address, domain name Transactions Act (FACTA); or or metatag, or any other similar tactics to (4) Any federal, state or local statute, mislead another's potential customers. ordinance or regulation, other than the m. Pollution TCPA, CAN-SPAM Act of 2003 or FCRA "Personal and advertising injury" arising out of and their amendments and additions, that the actual, alleged or threatened discharge, addresses, prohibits, or limits the printing, dispersal, seepage, migration, release or dissemination, disposal, collecting, escape of"pollutants" at any time. recording, sending, transmitting, communicating or distribution of material or information. CG 00 01 04 13 ©Insurance Services Office, Inc., 2012 Page 7 of 16 * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 COVERAGE C—MEDICAL PAYMENTS d. Workers' Compensation And Similar Laws 1. Insuring Agreement To a person, whether or not an "employee" of a. We will pay medical expenses as described any insured, if benefits for the "bodily injury" below for"bodily injury" caused by an accident: are payable or must be provided under a workers' compensation or disability benefits (1) On premises you own or rent; law or a similar law. (2) On ways next to premises you own or rent; e. Athletics Activities or To a person injured while practicing, instructing (3) Because of your operations; or participating in any physical exercises or provided that: games, sports, or athletic contests. (a) The accident takes place in the f. Products-Completed Operations Hazard "coverage territory" and during the policy Included within the "products-completed period; operations hazard". (b) The expenses are incurred and reported g. Coverage A Exclusions to us within one year of the date of the accident; and Excluded under Coverage A. (c) The injured person submits to SUPPLEMENTARY PAYMENTS—COVERAGES A examination, at our expense, by AND B physicians of our choice as often as we 1. We will pay, with respect to any claim we reasonably require. investigate or settle, or any "suit" against an b. We will make these payments regardless of insured we defend: fault. These payments will not exceed the a. All expenses we incur. applicable limit of insurance. We will pay b. Up to $250 for cost of bail bonds required reasonable expenses for: because of accidents or traffic law violations (1) First aid administered at the time of an arising out of the use of any vehicle to which accident; the Bodily Injury Liability Coverage applies. We (2) Necessary medical, surgical, X-ray and do not have to furnish these bonds. dental services, including prosthetic c. The cost of bonds to release attachments, but devices; and only for bond amounts within the applicable (3) Necessary ambulance, hospital, limit of insurance. We do not have to furnish professional nursing and funeral services. these bonds. 2. Exclusions d. All reasonable expenses incurred by the insured at our request to assist us in the We will not pay expenses for"bodily injury": investigation or defense of the claim or "suit", a. Any Insured including actual loss of earnings up to $250 a To any insured, except"volunteer workers". day because of time off from work. b. Hired Person e. All court costs taxed against the insured in the "suit". However, these payments do not include To a person hired to do work for or on behalf of attorneys' fees or attorneys' expenses taxed any insured or a tenant of any insured. against the insured. c. Injury On Normally Occupied Premises f. Prejudgment interest awarded against the To a person injured on that part of premises insured on that part of the judgment we pay. If you own or rent that the person normally we make an offer to pay the applicable limit of occupies. insurance, we will not pay any prejudgment interest based on that period of time after the offer. Page 8 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 04 13 * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 g. All interest on the full amount of any judgment So long as the above conditions are met, that accrues after entry of the judgment and attorneys' fees incurred by us in the defense of before we have paid, offered to pay, or that indemnitee, necessary litigation expenses deposited in court the part of the judgment that incurred by us and necessary litigation expenses is within the applicable limit of insurance. incurred by the indemnitee at our request will be These payments will not reduce the limits of paid as Supplementary Payments. insurance. Notwithstanding the provisions of Paragraph 2.b.(2) of Section I — Coverage A — Bodily Injury 2. If we defend an insured against a "suit" and an And Property Damage Liability, such payments will indemnitee of the insured is also named as a party not be deemed to be damages for "bodily injury" to the "suit", we will defend that indemnitee if all of and "property damage" and will not reduce the the following conditions are met: limits of insurance. a. The "suit" against the indemnitee seeks Our obligation to defend an insured's indemnitee damages for which the insured has assumed and to pay for attorneys' fees and necessary the liability of the indemnitee in a contract or litigation expenses as SupplementaryPaym ents agreement that is an "insured contract"; ends when we have used up the applicable limit of b. This insurance applies to such liability insurance in the payment of judgments or assumed by the insured; settlements or the conditions set forth above, or c. The obligation to defend, or the cost of the the terms of the agreement described in defense of, that indemnitee, has also been Paragraph f. above, are no longer met. assumed by the insured in the same "insured SECTION II—WHO IS AN INSURED contract"; 1. If you are designated in the Declarations as: d. The allegations in the "suit" and the information a. An individual, you and your spouse are we know about the "occurrence" are such that insureds, but only with respect to the conduct no conflict appears to exist between the of a business of which you are the sole owner. interests of the insured and the interests of the indemnitee; b. A partnership or joint venture, you are an insured. Your members, your partners, and e. The indemnitee and the insured ask us to their spouses are also insureds, but only with conduct and control the defense of that respect to the conduct of your business. indemnitee against such "suit" and agree that we can assign the same counsel to defend the c. A limited liability company, you are an insured. insured and the indemnitee; and Your members are also insureds, but only with respect to the conduct of your business. Your f. The indemnitee: managers are insureds, but only with respect (1) Agrees in writing to: to their duties as your managers. (a) Cooperate with us in the investigation, d. An organization other than a partnership, joint settlement or defense of the "suit"; venture or limited liability company, you are an (b) Immediately send us copies of any insured. Your "executive officers" and directors demands, notices, summonses or legal are insureds, but only with respect to their papers received in connection with the duties as your officers or directors. Your "suit"; stockholders are also insureds, but only with respect to their liability as stockholders. (c) Notify any other insurer whose coverage e. A trust, you are an insured. Your trustees are is available to the indemnitee; and also insureds, but only with respect to their (d) Cooperate with us with respect to duties as trustees. coordinating other applicable insurance available to the indemnitee; and (2) Provides us with written authorization to: (a) Obtain records and other information related to the "suit"; and (b) Conduct and control the defense of the indemnitee in such "suit". CG 00 01 04 13 ©Insurance Services Office, Inc., 2012 Page 9 of 16 * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 2. Each of the following is also an insured: c. Any person or organization having proper a. Your "volunteer workers" only while performing temporary custody of your property if you die, duties related to the conduct of your business, but only: or your "employees", other than either your (1) With respect to liability arising out of the "executive officers" (if you are an organization maintenance or use of that property; and other than a partnership,joint venture or limited (2) Until your legal representative has been liability company) or your managers (if you are appointed. a limited liability company), but only for acts within the scope of their employment by you or d. Your legal representative if you die, but only while performing duties related to the conduct with respect to duties as such. That of your business. However, none of these representative will have all your rights and "employees" or "volunteer workers" are duties under this Coverage Part. insureds for: 3. Any organization you newly acquire or form, other (1) "Bodily injury" or "personal and advertising than a partnership, joint venture or limited liability injury": company, and over which you maintain ownership (a) To you, to your partners or members (if or majority interest, will qualify as a Named Insured if there is no other similar insurance you are a partnership or joint venture),to your members (if you are a limited available to that organization. However: liability company), to a co-"employee" a. Coverage under this provision is afforded only while in the course of his or her until the 90th day after you acquire or form the employment or performing duties related organization or the end of the policy period, to the conduct of your business, or to whichever is earlier; your other "volunteer workers" while b. Coverage A does not apply to "bodily injury" or performing duties related to the conduct "property damage" that occurred before you of your business; acquired or formed the organization; and (b) To the spouse, child, parent, brother or c. Coverage B does not apply to "personal and sister of that co-"employee" or advertising injury" arising out of an offense "volunteer worker" as a consequence of committed before you acquired or formed the Paragraph (1)(a) above; organization. (c) For which there is any obligation to No person or organization is an insured with respect share damages with or repay someone to the conduct of any current or past partnership, joint else who must pay damages because of venture or limited liability company that is not shown the injury described in Paragraph (1)(a) as a Named Insured in the Declarations. or(b) above; or SECTION III—LIMITS OF INSURANCE (d) Arising out of his or her providing or 1. The Limits of Insurance shown in the Declarations failing to provide professional health and the rules below fix the most we will pay care services. regardless of the number of: (2) "Property damage"to property: a. Insureds; (a) Owned, occupied or used by; b. Claims made or"suits" brought; or (b) Rented to, in the care, custody or c. Persons or organizations making claims or control of, or over which physical control bringing "suits". is being exercised for any purpose by; 2. The General Aggregate Limit is the most we will you, any of your "employees", "volunteer pay for the sum of: workers", any partner or member (if you are a partnership or joint venture), or any a. Medical expenses under Coverage C; member (if you are a limited liability b. Damages under Coverage A, except damages company). because of"bodily injury" or"property damage" b. Any person (other than your "employee" or included in the "products-completed operations "volunteer worker"), or any organization while hazard"; and acting as your real estate manager. c. Damages under Coverage B. Page 10 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 04 13 * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 4. Other Insurance (3) When this insurance is excess over other If other valid and collectible insurance is available insurance, we will pay only our share of the to the insured for a loss we cover under amount of the loss, if any, that exceeds the Coverages A or B of this Coverage Part, our sum of: obligations are limited as follows: (a) The total amount that all such other a. Primary Insurance insurance would pay for the loss in the This insurance is primary except when absence of this insurance; and Paragraph b. below applies. If this insurance is (b) The total of all deductible and self- primary, our obligations are not affected unless insured amounts under all that other any of the other insurance is also primary. insurance. Then, we will share with all that other (4) We will share the remaining loss, if any, insurance by the method described in with any other insurance that is not Paragraph c. below. described in this Excess Insurance b. Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance (1) This insurance is excess over: shown in the Declarations of this Coverage (a) Any of the other insurance, whether Part. primary, excess, contingent or on any c. Method Of Sharing other basis: If all of the other insurance permits contribution (1) That is Fire, Extended Coverage, by equal shares, we will follow this method Builder's Risk, Installation Risk or also. Under this approach each insurer similar coverage for"your work"; contributes equal amounts until it has paid its (ii) That is Fire insurance for premises applicable limit of insurance or none of the loss rented to you or temporarily remains, whichever comes first. occupied by you with permission of If any of the other insurance does not permit the owner; contribution by equal shares, we will contribute (iii) That is insurance purchased by you by limits. Under this method, each insurer's to cover your liability as a tenant for share is based on the ratio of its applicable "property damage" to premises limit of insurance to the total applicable limits of rented to you or temporarily insurance of all insurers. occupied by you with permission of 5. Premium Audit the owner; or a. We will compute all premiums for this (iv) If the loss arises out of the Coverage Part in accordance with our rules maintenance or use of aircraft, and rates. "autos" or watercraft to the extent not subject to Exclusion g. of Section I — b. Premium shown in this Coverage Part as Coverage A — Bodily Injury And advance premium is a deposit premium only. Property Damage Liability. At the close of each audit period we will compute the earned premium for that period (b) Any other primary insurance available to and send notice to the first Named Insured. you covering liability for damages The due date for audit and retrospective arising out of the premises or premiums is the date shown as the due date operations, or the products and on the bill. If the sum of the advance and audit completed operations, for which you premiums paid for the policy period is greater have been added as an additional than the earned premium, we will return the insured. excess to the first Named Insured. (2) When this insurance is excess, we will have c. The first Named Insured must keep records of no duty under Coverages A or B to defend the information we need for premium the insured against an "suit" if an other 9 Y Y computation, and send us copies at such times insurer has a duty to defend the insured as we may request. against that "suit". If no other insurer defends, we will undertake to do so, but we 6. Representations will be entitled to the insured's rights By accepting this policy, you agree: against all those other insurers. a. The statements in the Declarations are accurate and complete; Page 12 of 16 ©Insurance Services Office, Inc., 2012 CG 00 01 04 13 * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 b. Those statements are based upon However, "auto" does not include "mobile representations you made to us; and equipment". c. We have issued this policy in reliance upon 3. "Bodily injury" means bodily injury, sickness or your representations. disease sustained by a person, including death 7. Separation Of Insureds resulting from any of these at any time. Except with respect to the Limits of Insurance, and 4. "Coverage territory" means: any rights or duties specifically assigned in this a. The United States of America (including its Coverage Part to the first Named Insured, this territories and possessions), Puerto Rico and insurance applies: Canada; a. As if each Named Insured were the only b. International waters or airspace, but only if the Named Insured; and injury or damage occurs in the course of travel b. Separately to each insured against whom claim or transportation between any places included is made or"suit" is brought. in Paragraph a. above; or 8. Transfer Of Rights Of Recovery Against Others c. All other parts of the world if the injury or To Us damage arises out of: If the insured has rights to recover all or part of (1) Goods or products made or sold by you in any payment we have made under this Coverage the territory described in Paragraph a. Part, those rights are transferred to us. The above; insured must do nothing after loss to impair them. (2) The activities of a person whose home is in At our request, the insured will bring "suit" or the territory described in Paragraph a. transfer those rights to us and help us enforce above, but is away for a short time on your them. business; or 9. When We Do Not Renew (3) "Personal and advertising injury" offenses If we decide not to renew this Coverage Part, we that take place through the Internet or will mail or deliver to the first Named Insured similar electronic means of communication; shown in the Declarations written notice of the provided the insured's responsibility to pay nonrenewal not less than 30 days before the damages is determined in a "suit" on the merits, in expiration date. the territory described in Paragraph a. above or in If notice is mailed, proof of mailing will be sufficient a settlement we agree to. proof of notice. 5. "Employee" includes a "leased worker". SECTION V— DEFINITIONS "Employee" does not include a "temporary worker". 1. "Advertisement" means a notice that is broadcast or published to the general public or specific 6. "Executive officer" means a person holding any of market segments about your goods, products or the officer positions created by your charter, services for the purpose of attracting customers or constitution, bylaws or any other similar governing supporters. For the purposes of this definition: document. a. Notices that are published include material 7. "Hostile fire" means one which becomes placed on the Internet or on similar electronic uncontrollable or breaks out from where it was means of communication; and intended to be. b. Regarding web sites, only that part of a web 8. "Impaired property" means tangible property, other site that is about your goods, products or than "your product" or "your work", that cannot be services for the purposes of attracting used or is less useful because: customers or supporters is considered an a. It incorporates "your product" or "your work" advertisement. that is known or thought to be defective, 2. "Auto" means: deficient, inadequate or dangerous; or a. A land motor vehicle, trailer or semitrailer b. You have failed to fulfill the terms of a contract designed for travel on public roads, including or agreement; any attached machinery or equipment; or if such property can be restored to use by the b. Any other land vehicle that is subject to a repair, replacement, adjustment or removal of compulsory or financial responsibility law or "your product" or "your work" or your fulfilling the other motor vehicle insurance law where it is terms of the contract or agreement. licensed or principally garaged. CG 00 01 04 13 ©Insurance Services Office, Inc., 2012 Page 13 of 16 * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 POLICY NUMBER: GLP 0482161 12 00 COMMERCIAL GENERAL LIABILITY CG 20 26 (Ed. 12/19) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Person(s) Or Organization(s): The City Of Santa Ana 20 Civic Center Plaza The City Of Santa Ana It's Officers, Employees, Agents And Representatives 20 Civic Center Plaza Santa Ana, CA 92701 Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II - Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: 1. In the performance of your ongoing operations; or 2. In connection with your premises owned by or rented to you. However: © Insurance Services Office, Inc., 2018 CG 20 26 (Ed. 12/19) (Page 1 of 2) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds, the following is added to Section III - Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the Additional Insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable limits of insurance; whichever is less. This endorsement shall not increase the applicable limits of insurance. © Insurance Services Office, Inc., 2018 CG 20 26 (Ed. 12/19) (Page 2 of 2) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 CG 85 65 (Ed. 01 12) ABUSE OR MOLESTATION COVERAGE FORM Various provisions in this Coverage Form restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this Coverage Form the words "you" and "your" refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as a named insured under this Coverage Form. The words "we," "us" and "our" refer to the Company providing this insurance. The word "Insured" means any person or organization qualifying as such under SECTION III - WHO IS AN INSURED of this Coverage Form. Other words and phrases that appear in quotation marks have special meaning. Refer to SECTION VI - DEFINITIONS of this Coverage Form. SECTION I - ABUSE OR MOLESTATION COV- b. This insurance applies to "abuse" only if: ERAGE (1) the "abuse" takes place in the "cov- erage territory"; a. We will pay those sums the Insured be- comes legally obligated to pay as "dam- (2) the "abuse" takes place during the ages" because of "abuse" to which this policy period; and insurance applies. We will have the right and duty to defend (3) prior to the policy period, no insured the Insured against any "suit" seeking those knew the "abuse" had occurred, in "damages." However, we will have no duty whole or in part. If any insured knew, prior to the policy period, that the to defend the Insured against any claim or abuse" had occurred, in whole or in "suit" seeking "damages" because of part, then any continuation, change, or "abuse" to which this insurance does not resumption of such "abuse" during or apply. We may, at our discretion, investi- after the policy period will be deemed gate any actual, threatened, or alleged to have been known prior to the policy "abuse" and settle any claim or "suit" that period. may result. But: (1) the amount we will pay for "damages" c. Any "abuse" that occurs during the policy is limited as described in SECTION IV period and was not, prior to the policy - LIMITS OF INSURANCE of this period, known by any insured to have oc- Coverage Form; and curred, includes any continuation, change, or resumption of that "abuse" after the (2) our right and duty to defend end when end of the policy period. we have used up the applicable Limit of Insurance in the payment of judg- d. Any "abuse" will be deemed to have been ments, or settlements. known to have occurred at the earliest No other obligation or liability to pay sums time when any insured: or perform acts or services is covered unless explicitly provided for under this (1) reports all, or any part, of the "abuse" Coverage Form. to us or any other insurer; CG 85 65 (Ed. 01/12) (Page 1 of 10) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 (2) receives a written or oral demand or (2) furnishing alcoholic beverages to a claim for "damages" because of the person under the legal drinking age or "abuse"; or under the influence of alcohol; or (3) becomes aware by any other means (3) any statute, ordinance, or regulation that the "abuse" has occurred or begun relating to the sale, gift, distribution, or to occur. use of alcoholic beverages. Regardless of the number of acts or omis- f. Obligation of any insured under a workers' sions constituting "abuse," the period of time compensation, disability benefits, or un- over which such acts or omissions occur, or employment compensation law, or any the number of persons performing, partici- similar law. pating in, or subject to such acts or omis- sions, all injury arising out of all "abuse" by g, "Damages" because of any liability to: one person, or by any two or more persons acting together or in concert, is deemed one (1) Any person, arising out of any: and the same "abuse," subject to one and the same Limit of Liability. (a) refusal to employ that person; 2. Exclusions (b) termination of that person's em- This insurance does not apply to any: ployment; or a. "Damages" because of any injury, loss, (c) employment-related practices, harm, cost, or expense, expected or in- policies, acts, or omissions, in- tended from the standpoint of the Insured. cluding but not limited to coer- cion, demotion, evaluation, reas- b. "Damages" because of any liability arising signment, discipline, defamation, out of any criminal or fraudulent act com- harassment, humiliation, or dis- mitted by or at the direction of the In- crimination directed at that per- sured. son; or c. Administrative hearing, investigation, licen- (2) The spouse, child, parent, brother, or sure proceeding, enforcement proceeding, sister of that person as a consequence or any similar proceeding by any federal, of any employment-related practice state, or local governmental, administra- described in (1)(a), (1)(b), or (1)(c). tive, or regulatory agency. This exclusion applies: d. "Damages" because of any: (i) whether the Insured may be liable as (1) Liability assumed by any insured under an employer or in any other capacity; any contract or agreement. and (2) Insured's failure to perform or comply with any duty or requirement under a (ii) to any obligation to share "damages" contract, express or implied warranty, with or repay someone else who must or agreement. pay "damages" to the "employee" or to the "employee's" spouse, child, parent, This exclusion does not apply to liability brother, or sister. that the Insured would have in the absence of the contract or agreement. h. "Damages" because of any liability to: e. "Damages" because of any liability by rea- (1) Any "employee" of the Insured arising son of: out of and in the course of that "em- ployee's": (1) causing or contributing to the intoxi- cation of any person; (a) employment by the Insured; or CG 85 65 (Ed. 01/12) (Page 2 of 10) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 (b) performing duties related to the n. "Damages" because of any: conduct of the Insured's business; or (1) Liability arising in whole or in part from the actual, alleged, or threatened (2) The spouse, child, parent, brother, or discharge, dispersal, seepage, migra- sister of that "employee" as a con- tion, release, escape, or presence of, sequence of paragraphs (1)(a) or (1)(b). or exposure to, any "pollutant," from any source, at any location, at any time. This exclusion applies: (2) Loss, cost, or expense which would (i) whether the Insured may be liable as not have occurred in whole or in part an employer or in any other capacity; but for any: and (a) request, demand, or order that any insured or others test for, (ii) to any obligation to share "damages" monitor, clean up, remove, con- with or repay someone else who must twin, treat, detoxify, abate, or pay "damages" to the "employee" or to neutralize, or in any way respond the "employee's" spouse, child, parent, to or assess the effects of, any brother, or sister. "pollutant"; or i. "Damages" because of any liability of any (b) claim or "suit" by or on behalf of insured to any other insured. This exclu- any federal, state, or local gov- sion does not apply to "damages" for harm ernmental authority because of to one of your "volunteer workers." testing for, monitoring, cleaning up, removing, containing, treating, j. "Damages" because of any liability arising detoxifying, abating, or neutraliz- out of any employee benefit plan or self- ing, or in any way responding to insured fund, or for any amount due under or assessing the effects of, any any fringe benefit or retirement program. "pollutant." k. "Damages" because of any liability under o. "Damages" because of any: the Employment Retirement Income Secu- rity Act of 1974 (as amended) or any (1) Liability arising in whole or in part similar federal or state law. from the actual, alleged, or threatened discharge, dispersal, seepage, migra- I. "Damages" because of any insured's hiring, tion, release, escape, inhalation, ab- employment, or retention in employment, sorption, ingestion, or presence of, or of any person with a prior history of exposure to, lead in any form, from committing "abuse," if any insured knew of any source, in any location, at any time. that history either before, or at any time during, the policy period. (2) Loss, cost, or expense which would not have occurred in whole or in part m. "Damages" arising out of any insured's but for any: knowing: (a) request, demand, or order that (1) concealment of, any insured or others test for, monitor, clean up, remove, con- tain, treat, detoxify, abate, or (2) failure to report, or neutralize, or in any way respond to or assess the effects of, lead (3) failure to comply with any applicable in any form, from any source, or federal, state, or local law, ordinance, or regulation, requiring the reporting (b) claim or "suit" by or on behalf of of, any federal, state, or local gov- ernmental authority because of any "abuse." testing for, monitoring, cleaning CG 85 65 (Ed. 01/12) (Page 3 of 10) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 up, removing, containing, treating, (2) loss, cost, or expense which would detoxifying, abating, or neutraliz- not have occurred in whole or part but ing, or in any way responding to for any: or assessing the effects of, lead in any form, from any source. (a) request, demand, or order that any insured or others test for, p. "Damages" because of any: monitor, clean up, remove, con- tain, treat, detoxify, abate, or (1) Liability arising in whole or in part neutralize, or in any way respond from the actual, alleged, or threatened to or assess the effects of, discharge, dispersal, seepage, migra- "fungi" or bacteria in any form, tion, release, escape, inhalation, ab- from any source, or sorption, ingestion, or presence of, or exposure to, asbestos in any form, (b) claim or suit by or on behalf of from any source, in any location, at any federal, state, or local gov- any time. ernmental authority because of testing for, monitoring, cleaning (2) Loss, cost, or expense which would up, removing, containing, treating, not have occurred in whole or in part detoxifying, abating, or neutraliz- but for any: ing, or in any way responding to or assessing the effects of, any (a) request, demand, or order that "fungi" or bacteria, in any form, any insured or others test for, from any source. monitor, clean up, remove, con- tain, treat, detoxify, abate, or This exclusion does not apply to any neutralize, or in any way respond "fungi" or bacteria that are intended to be, to or assess the effects of, as- be on, or be contained in, a good or bestos in any form, from any product intended for human consumption source, or as food. (b) claim or suit by or on behalf of r. "Damages" because of any liability arising any federal, state, or local gov- out of the ownership, maintenance, use, or ernmental authority because of entrustment to others of any aircraft, testing for, monitoring, cleaning "auto," or watercraft, whether or not up, removing, containing, treating, owned or operated by, or rented or detoxifying, abating, or neutraliz- loaned to, any insured. Use includes op- ing, or in any way responding to eration and loading or unloading. or assessing the effects of, as- bestos in any form, from any This exclusion applies even if the claim or source. "suit" against any insured alleges negli- gence or other wrongdoing in the super- q. "Damages" because of any: vision, hiring, employment, training, or monitoring of others by that Insured, if the (1) liability arising in whole or in part from liability arises from the ownership, main- the actual, alleged, or threatened in- tenance, use, or entrustment to others of halation of, ingestion of, contact with, any aircraft, "auto," or watercraft, whether exposure to, existence of, or pres- or not owned or operated by, or rented ence of, any "fungi" or bacteria on or or loaned to, any insured. within a building or structure, including its contents, regardless of whether s. "Damages" because of any insured's liabil- any other cause, event, material, or ity to any: product contributed concurrently or in any sequence to such injury or dam- (1) company, corporation, or other orga- age; or nization, or CG 85 65 (Ed. 01/12) (Page 4 of 10) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 (2) shareholder, owner, or creditor of any on the basis of race, religion, sex, age, company, corporation, or other orga- ethnic background, national origin, physical nization, or mental disability, sexual orientation, or any other basis prohibited by applicable of which that Insured is a director or law. officer, if such liability arises directly or indirectly out of any act, error, or v. "Damages" because of any liability arising omission by that Insured, committed in out of any discrimination, or failure to that Insured's capacity as a director or discriminate, on account of race, religion, officer of that company, corporation, sex, age, ethnic background, national ori- or other organization. This exclusion gin, physical or mental disability, or sexual applies regardless of whether or not orientation, or arising out of any actual, the act, error, or omission was per- threatened, or alleged violation of any lo- formed by or on behalf of the Named cal, state, or federal civil rights law, regu- Insured. lation, or ordinance. t. "Damages" because of any liability arising w. Civil or criminal fine or penalty, and any directly or indirectly out of: loss, cost, or expense paid or incurred in defending against any such fine or penalty. (1) service by any insured for or as a member of any board or committee of x. "Damages" arising out of the following any organization other than the Named professional services: legal, accounting, Insured. This includes, but is not limited financial, appraisal, architectural, or engi- to, any board or committee relating to neering services. peer review, credentialing, quality as- surance, utilization review, profession- SECTION II - SUPPLEMENTARY PAYMENTS al discipline, risk management, patient or client grievances, staff grievances, We will pay, with respect to any claim we inves- or professional education; or tigate or settle, or any "suit" we defend or settle: (2) the activities of any insured as a pro- 1. All expenses we incur. prietor, superintendent, officer, direc- tor, shareholder, manager, or employ- 2. The cost of bonds to release attachments, but ee of any organization other than the only for bond amounts within the applicable Named Insured; or Limit of Insurance. We do not have to furnish these bonds. (3) any insured's capacity as a fiduciary, trustee, legal representative, guardian, 3. All reasonable expenses incurred by the In- banker, creditor, tax preparer, or sured at our request to assist us in the inves- lender. tigation or defense of the claim or "suit," in- cluding actual loss of earnings up to $250 a u. "Damages" because of any liability arising day because of time off from work. out of any failure to integrate, segregate, or desegregate: 4. All court costs taxed against the Insured in the "suit." However, these payments do not in- (1) enrollment; clude attorneys' fees or attorneys' expenses taxed against the Insured. (2) participation in educational or non- educational activities; 5. Prejudgment interest awarded against the In- sured on that part of a judgment we pay. If (3) busing or other transportation; or we make an offer to pay the applicable Limit of Insurance, we will not pay any prejudgment (4) the provision or receipt of any ser- interest based on that period of time after the vice, accommodation, or benefit; offer. CG 85 65 (Ed. 01/12) (Page 5 of 10) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 6. All interest on the full amount of any judgment (2) members of your Board of Trustees, that accrues after entry of the judgment and Board of Governors, or other govern- before we have paid, offered to pay, or de- ing body created by your charter, posited in court the part of the judgment that constitution, by-laws, or other similar is within the applicable Limit of Insurance. governing document, but only while acting within the scope of their duties These payments will not reduce the Limits of as such; and Insurance. (3) any subsidiary organization that is con- SECTION III - WHO IS AN INSURED trolled by the Named Insured. A sub- sidiary organization is controlled by the Named Insured if the Named Insured 1. Subject to 4., below, if you are designated in owns a majority of the voting shares the Declarations as: of that organization. a. An individual, you and your spouse are 3. Subject to 4., below, your "employees," other insureds, but only with respect to the than those already described in 1. or 2., above, conduct of a business of which you are are also insureds, but only for acts within the the sole owner. scope of their employment by you or while performing duties related to the conduct of b. A partnership or joint venture, you are an your business. Your "volunteer workers" are insured. Your members, your partners, and insureds, but only while performing duties re- their spouses are also insureds, but only lated to the conduct of your business with with respect to the conduct of your busi- your knowledge and consent. ness. 4. However: c. A limited liability company, you are an in- sured. Your members are also insureds, a. No "employee," "volunteer worker," direc- but only with respect to the conduct of tor, "executive officer," officer, or other your business. Your managers are insur- person is an insured for any liability: eds, but only with respect to their duties as your managers. (1) to you, to your partners or members d. An organization other than a partnership, (if you are a partnership or joint ven- joint venture, or limited liability company, ture), to your members (if you are a you are an insured. Your "executive of- limited liability company), to any of your directors, "executive officers," ficers," board members and directors are officers, "employees," or "volunteer also insureds, but only with respect to workers"; their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as your (2) to the spouse, child, parent, brother, stockholders. sister, or next of kin of any person in connection with or as a consequence e. A trust, you are an insured. Your trustees of 4.a.(1); or are also insureds, but only with respect to their duties as trustees. (3) for which there is any obligation to share damages with or repay someone else who must pay damages, as a con- 2. Subject to 4., below, each of the following is sequence of 4.a.(1) or (2). also an insured: b. No person or organization is an insured a. If you are a religious or educational in- with respect to the conduct of any cur- stitution: rent or past partnership, joint venture, re- ligious or educational institution, or other (1) your elders, deacons, vestrymen, organization that is not shown as a named councilmen, clergy, and teachers; insured in the Declarations. CG 85 65 (Ed. 01/12) (Page 6 of 10) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 c. If we designate a person, an organization, b. claims made or "suits" brought; or a class of persons or organizations, as an additional insured under this Coverage c. persons or organizations making claims or Form, then that designation does not in- bringing "suits"; or clude any "employee," "volunteer worker," "executive officer," officer, director, d. coverage parts or insuring agreements in agent, representative, subsidiary, or affili- this Policy ate of that additional insured. No such "employee," "volunteer worker," "executive 2. The Aggregate Limit shown in the Abuse or officer," officer, director, agent, repre- Molestation Coverage Part Declarations is the sentative, subsidiary, or affiliate of an ad- most we will pay for the sum of all "damages" ditional insured is an insured under this under this Abuse or Molestation Coverage Coverage Form unless expressly desig- Part. nated as an insured in an endorsement we issue. 3. Subject to 2., the Each Abuse Limit is the most we will pay for the sum of all "damages" d. No person or organization is an insured as because of all injury arising out of all "abuse" respects any "abuse" that person or or- by any one person or organization, or by any ganization is proved to have knowingly: two or more persons or organizations acting together or in concert, regardless of the (1) committed, participated in, aided, as- number of insureds, claims, "suits," or claim- sisted; ants. (2) concealed; or The Limits of Insurance of this Coverage Part apply separately to each consecutive annual pe- riod and to any remaining period of less than 12 months, starting with the beginning of the policy For purposes of this provision, a person period in the Declarations, unless the policy pe- riod is extended after issuance for an additional ingly committed conduct described in d.(1), period of less than 12 months. In that case, the (2), or (3) if that person or organization: additional period will be deemed part of the last preceding period for purposes of determining the (a) admits to having done so; or Limits of Insurance. (b) is found to have done so by a final judgment in a criminal or civil pro- ceeding, including but not limited to a "suit" to which this insurance applies. 1. Bankruptcy Upon the happening of either (a) or (b), Bankruptcy or insolvency of the Insured or of that person or organization is not an in- the Insured's estate will not relieve us of our sured, even if that person or organization obligations under this Coverage Part. was an insured before the happening of (a) or (b). An unproven allegation made in a 2. Duties in the Event of Abuse, Claim or Suit claim or "suit" is not, by itself, sufficient to prove that a person or organization a. You must see to it that we are notified as knowingly committed conduct described in soon as practicable of any actual, threat- d.(1), (2), or (3). ened, or alleged "abuse" which may result in a claim or "suit." To the extent possible, SECTION IV - LIMITS OF INSURANCE notice should include: 1. The Limits of Insurance shown in the Declara- (1) how, when, and where the "abuse" tions and the rules below fix the most we will took place; pay regardless of the number of: (2) the names and addresses of injured a. insureds; persons and witnesses; and CG 85 65 (Ed. 01/12) (Page 7 of 10) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 (3) the nature and location of any injury or be liable for "damages" that are not payable damage. under the terms of this Coverage Part or that are in excess of the applicable Limits of In- b. If a claim is made or "suit" is brought surance. An agreed settlement means a settle- against any insured, you must: ment and release of liability signed by us, the Insured and the claimant or the claimant's legal (1) immediately record the specifics of representative. the claim or "suit" and the date re- ceived; and 4. Other Insurance (2) notify us as soon as practicable. a. If other insurance is available to the In- You must see to it that we receive written sured for a loss we cover under this notice of the claim or "suit" as soon as Abuse or Molestation Coverage Part, our practicable. obligations are limited as follows: c. You and any other involved insured must: (1) This insurance applies only in excess of, and does not contribute with, the (1) immediately send us copies of any de- sum of the applicable limits of any and mends, notices, summonses, or legal all such other insurance, whether that papers in connection with the claim or other insurance: "suit"; (2) authorize us to obtain records and (a) is valid or not; other information; (b) is collectible or not; or (3) cooperate with us in the investigation, settlement, or defense of the claim or (c) describes itself as primary, ex- "suit"; and cess, contingent, contributing, or otherwise. (4) assist us, upon our request, in the en- forcement of any right against any However, this provision a.(1) does not person or organization which may be apply to other insurance that is issued liable to the Insured because of injury expressly to apply only in excess of or damage to which this insurance may the applicable Limit of Insurance of also apply. this insurance. d. No insured will, except at that Insured's b. If any insurer affording such other insur- own cost, voluntarily make a payment, as- ance refuses to defend the Insured under sume any obligation, or incur any expense, that other insurance, we will defend the other than for first aid, without our con- Insured as though that other insurance sent. were not available. If we defend, we are subrogated to all of the Insured's rights 3. Legal Action Against Us under such other insurance. The Insured must do all things necessary to help us No person or organization has a right under enforce such rights. this Coverage Part: a. to join us as a party or otherwise bring us c. If the Coordination of Limits Endorsement into a "suit" asking for "damages" from an is attached to this Abuse or Molestation insured; or Coverage Form, and both: b. to sue us on this Coverage Part unless all (1) this Abuse or Molestation Coverage of its terms have been fully complied with. Form; and A person or organization may sue us to re- (2) any other coverage form, coverage cover on an agreed settlement or on a final part, or policy issued by us, or by a judgment against an insured; but we will not company affiliated with us, CG 85 65 (Ed. 01/12) (Page 8 of 10) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 apply, in whole or in part, to the same If such notice is mailed, proof of mailing will claim, "suit," "abuse," or "damages," then be sufficient proof of notice. this Abuse or Molestation Coverage Form and all such other coverage forms, SECTION VI - DEFINITIONS coverage parts, or policies described in (2) are all subject to the Coordination of Lim- 1. "Abuse" means: its Endorsement. a. any actual, threatened, or alleged act, er- 5. Representations ror, omission, conduct, or misconduct, that a claim or "suit" alleges to be, or to By accepting this Policy, you agree: constitute, any form of abuse (including, but not limited to, elder abuse, child abuse, a. the statements in the Abuse and Molesta- patient abuse, or abuse of a dependent tion Application are accurate and com- person) under any applicable state or fed- plete; eral statute or regulation; and b. any actual, threatened, or alleged act, er- b. those statements are representations you ror, omission, conduct, or misconduct, of made to us; and one or more of the following kinds: c. we have issued this Policy in reliance upon (1) sexual behavior, sexual conduct or your representations. misconduct, sexual assault, sexual bat- tery, sexual abuse, or sexual molesta- 6. Separation of Insureds tion, of or directed at a person; Except with respect to the Limit of Insurance, (2) non-sexual assault, non-sexual bat- and any rights or duties specifically assigned tery, or non-sexual abuse, of or di- in this Coverage Part to the first Named In- rected at a person; and sured, this insurance applies: (3) any: a. as if each named insured were the only (i) employment; Named Insured; and (ii) investigation; b. separately to each insured against whom claim is made or "suit" is brought. (iii) supervision; 7. Transfer of Rights of Recovery Against (iv) reporting to proper authorities, or Others to Us failure to so report; or If the Insured has rights to recover all or part (v) retention in employment; of any payment we have made under this Coverage Part, those rights are transferred to of any person committing conduct or us. The Insured must do nothing after loss to misconduct described in b.(1) or b.(2); impair them. At our request, the Insured will or bring "suit" or transfer those rights to us and help us enforce them. (vi) referral of a patient, student, pa- rishioner, client, or person, to any other person whose conduct or 8. When We Do not Renew misconduct is described in a., b.(1), or b.(2). If we decide not to renew this Coverage Part, we will mail or deliver to the first Named Conduct or misconduct described in b.(1) Insured shown in the Declarations written no- through b.(3) constitutes "abuse" within the tice of the nonrenewal not less than 30 days meaning of this definition regardless of before the expiration date. whether or not it is alleged to be neg- CG 85 65 (Ed. 01/12) (Page 9 of 10) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 ligent, reckless, knowing, intentional, 7. "Fungi" means any type or form of fungus, fraudulent, oppressive, malicious, or oth- including mold or mildew and any mycotoxin, erwise. spore, scent, or byproduct produced or re- leased by any fungus or by the death or decay 2. "Auto" means a land motor vehicle, mobile of any fungus. equipment, trailer, or semi trailer, including any attached or towed machinery or equipment. g, "Leased worker" means a person leased to you by a labor leasing firm under an agree- ment between you and the labor leasing firm, a. the United States of America (including its to perform duties related to the conduct of territories and possessions), Puerto Rico your business. "Leased worker" does not in- and Canada; clude a "temporary worker." b. international waters or airspace, provided 9. "Pollutant" means any solid, liquid, gaseous, the injury or damage does not occur in the or thermal irritant or contaminant, including course of travel or transportation to or smoke, vapor, soot, fumes, acids, alkalis, from any place not included in paragraph chemicals, and waste. Waste includes materi- a. above. als to be recycled, reconditioned, or re- claimed. c. all parts of the world if: (1) the injury or damages arise out of the 10. "Suit" means a civil proceeding in which activities of a person whose home is "damages" to which this coverage applies are in the territory described in paragraph alleged. "Suit" includes: a. above, but is away for a short time on your business; and a. an arbitration proceeding in which such "damages" are claimed and to which you (2) the Insured's responsibility to pay must submit or do submit with our con- damages is determined in a "suit" on sent; or the merits, in the territory described in paragraph a. above or in a settlement b. any other alternative dispute resolution we agree to. proceeding in which such "damages" are claimed and to which you must submit or 4. "Damages" means money damages awarded do submit with our consent. to compensate for harm, except those as to which applicable law prohibits liability insur- "Suit" does not include any administrative ance. "Damages" does not include the cost of hearing, investigation, Iicensure proceeding, complying with injunctive relief, declaratory enforcement proceeding, or any similar pro- relief, or other equitable actions; fines, penal- ceeding by any federal, state, or local gov- ties, punitive damages, exemplary damages, or ernmental, administrative, or regulatory agen- any multiplied or enhanced damages; fees, de- cy posits, or commissions; charges for goods or services, or the return, disgorgement, or re- imbursement of such charges; or awards of 11. "Temporary worker" means a person who is attorneys' fees, attorneys' expenses, or other furnished to you to substitute for a permanent costs of making a claim or bringing a "suit." "employee" on leave or to meet seasonal or short-term workload conditions. 5. "Employee" includes a "leased worker." "Em- ployee" does not include a "temporary work- 12. "Volunteer worker" means a person who is er." not your "employee" and who donates his or her work and acts at the direction of and 6. "Executive officer" means a person holding within the scope of duties determined by you, any of the officer positions created by your and is not paid a fee, salary, or other com- charter, constitution, by-laws or any other pensation by you or anyone else for their similar governing document. work performed for you. CG 85 65 (Ed. 01/12) (Page 10 of 10) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 CG 89 70 (Ed. 11/14) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SIGNATURE GENERAL LIABILITY BROADENING ENDORSEMENT This Endorsement modifies and is subject to the insurance provided under the following form: COMMERCIAL GENERAL LIABILITY COVERAGE PART The following extension only applies in the event that no other specific coverage for the indicated loss exposure is provided under this Policy. If other specific coverage applies, the terms, conditions and limits of that Coverage are the exclusive coverage applicable under this Policy, unless otherwise noted in this Endorsement. This is a summary of the various additional coverages and coverage modifications provided by this Endorsement. For complete details on specific coverages, consult the actual policy wording. Coverage Description Limit of Insurance Page Non-Owned Aircraft Included 2 Non-Owned Watercraft Included 2 Bodily Injury - Mental Injury, Mental Anguish, Humiliation or Shock Included 3 Medical Payments $ 20,000 3 Damage to Premises Rented to You $ 1 ,000,000 3 Supplementary Payments - Bail Bonds $ 3,000 4 Supplementary Payments - Loss of Earnings $ 1 ,000 per day 4 Newly Formed or Acquired Organizations Included 4 Unintentional Failure to Disclose Hazards Included 5 Knowledge of Occurrence, Claim or Suit Included 5 Property Damage Liability - Elevators Included 5 Property Damage Liability - Borrowed Equipment Included 5 Liberalization Clause Included 6 Amendment of Pollution Exclusion (Premises) Included 6 Limited Property Damage to Property of Others $ 5,000 6 Additional Insured - Manager or Lessor of Premises Included 7 CG 89 70 (Ed. 1 1/14) (Page 1 of 12) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 b. the loss is covered by any other insurance you have or by any insurance of such person who causes such loss. These payments will not reduce the Limits of Insurance. O. Additional Insured - Manager or Lessor of Premises 1. SECTION II - WHO IS AN INSURED is amended to include as an additional insured any person or organization from whom you lease or rent property and which requires you to add such person or organization as an additional insured on this Policy under: (a) a written contract; or (b) an oral agreement or contract where a Certificate of Insurance showing that person or organization as an additional insured has been issued; but the written or oral contract or agreement must be an "insured contract," and, (i) currently in effect or become effective during the term of this Policy; and (ii) executed prior to the "bodily injury," "property damage," "personal and advertising injury." 2. With respect to the insurance afforded to the Additional Insured identified in paragraph 1. above, the following additional provisions apply: (a) This insurance applies only with respect to the liability arising out of the ownership, maintenance or use of that part of the premises leased to you. (b) The Limits of Insurance applicable to the Additional Insured are the lesser of those specified in the written contract or agreement or in the Declarations for this Policy and subject to all the terms, conditions and exclusions for this Policy. The Limits of Insurance applicable to the Additional Insured are inclusive of and not in addition to the Limits of Insurance shown in the Declarations. (c) In no event shall the coverages or Limits of Insurance in this Coverage Form be increased by such contract. (d) Coverage provided herein is excess over any other valid and collectible insurance available to the Additional Insured whether the other insurance is primary, excess, contingent or on any other basis unless a written contractual arrangement specifically requires this insurance to be primary. (e) This insurance applies only to the extent permitted by law. 3. This insurance does not apply to: (a) Any "occurrence" or offense which takes place after you cease to be a tenant in that premises. (b) Structural alterations, new construction or demolition operations performed by or on behalf of the Additional Insured. P. Additional Insured - Funding Sources 1. SECTION II - WHO IS AN INSURED is amended to include as an additional insured any Funding Source which requires you in a written contract to name the Funding Source as an additional insured but only with respect to liability arising out of: CG 89 70 (Ed. 1 1/14) (Page 7 of 12) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 a. your premises; or b. "your work" for such additional insured; or c. acts or omissions of such additional insured in connection with the general supervision of "your work" and only to the extent set forth as follows: a. The Limits of Insurance applicable to the Additional Insured are the lesser of those specified in the written contract or agreement or in the Declarations for this Policy and subject to all the terms, conditions and exclusions for this Policy. The Limits of Insurance applicable to the Additional Insured are inclusive of and not in addition to the Limits of Insurance shown in the Declarations. b. The insurance afforded to the Additional Insured only applies to the extent permitted by law c. If coverage provided to the Additional Insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. d. In no event shall the coverages or Limits of Insurance in this Coverage Form be increased by such contract. Q. Additional Insureds - By Contract 1. SECTION II - WHO IS AN INSURED is amended to include as an insured any person or organization whom you have agreed to add as an additional insured in a written contract, written agreement or permit. Such person or organization is an additional insured but only with respect to liability for "bodily injury," "property damage" or "personal and advertising injury" arising out of: a. your acts or omissions, or the acts or omissions of those acting on your behalf, in the performance of your ongoing operations for the Additional Insured that are subject of the written contract or written agreement provided that the "bodily injury" or "property damage occurs, or the "personal and advertising injury" is committed, subsequent to the signing of such written contract or written agreement; or b. the maintenance, operation or use by you of equipment rented or leased to you by such person or organization; or c. the Additional Insureds financial control of you; or d. operations performed by you or on your behalf for which the state or political subdivision has issued a permit However: 1. the insurance afforded to such additional insured only applies to the extent permitted by law; and 2. if coverage provided to the Additional Insured is required by contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide such additional insured. With respect to paragraph 1.a. above, a person's or organization's status as an additional insured under this Endorsement ends when: CG 89 70 (Ed. 1 1/14) (Page 8 of 12) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 (1) all work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed for or on behalf of the Additional Insured(s) at the location of the covered operations has been completed; or (2) that portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. With respect to paragraph 1.b. above, this insurance does not apply to any "occurrence" which takes place after the equipment rental or lease agreement has expired or you have returned such equipment to the lessor. The insurance provided by this Endorsement applies only if the written contract or written agreement is signed prior to the "bodily injury" or "property damage." We have no duty to defend an additional insured under this Endorsement until we receive written notice of a "suit' by the Additional Insured as required in paragraph b. of Condition 2. Duties in the Event of Occurrence, Offense, Claim or Suit under SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITION. 2. With respect to the insurance provided by this Endorsement, the following are added to paragraph 2. Exclusions under SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability: This insurance does not apply to: a. "Bodily injury" or "property damage" that occurs prior to your commencing operations at the location where such "bodily injury" or "property damage" occurs. b. "Bodily injury," "property damage" or "personal and advertising injury" arising out of the rendering of, or failure to render, any professional architectural, engineering or surveying services, including: (1) the preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (2) supervisory, inspection, architectural or engineering activities. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that Insured, if the "occurrence" which caused the "bodily injury" or "property damage," or the offense which caused the "personal and advertising injury," involved the rendering of, or failure to render, any professional architectural, engineering or surveying services. c. "Bodily injury" or "property damage" occurring after: (1) all work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed for or on behalf of the Additional Insured(s) at the location of the covered operations has been completed; or (2) that portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. CG 89 70 (Ed. 1 1/14) (Page 9 of 12) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 d. Any person or organization specifically designated as an additional insured for ongoing operations by a separate additional insured endorsement issued by us and made part of this Policy. 3. With respect to the insurance afforded to these Additional Insureds, the following is added to SECTION III - LIMITS OF INSURANCE: If coverage provided to the Additional Insured is required by a contract or agreement, the most we will pay on behalf of the Additional Insured is the amount of insurance: a. required by the contract or agreement; or b. available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This Endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. R. Primary and Non-Contributory Additional Insured Extension This provision applies to any person or organization who qualifies as an additional insured under any form or endorsement under this Policy. Condition 4. Other Insurance of SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS is amended as follows: a. The following is added to paragraph a. Primary Insurance: This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1) the Additional Insured is a named insured under such other insurance; and (2) you have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the Additional Insured. b. The following is added to paragraph b. Excess Insurance: When a written contract or written agreement, other than a premises lease, facilities rental contract or agreement, an equipment rental or lease contract or agreement or permit issued by a state or political subdivision between you and an additional insured does not require this insurance to be primary or primary and non-contributory, this insurance is excess over any other insurance for which the Additional Insured is designated as a named insured. Regardless of the written agreement between you and an additional insured, this insurance is excess over any other insurance whether primary, excess, contingent or on any other basis for which the Additional Insured has been added as an additional insured on other policies. S. Additional Insureds - Protection of Your Limits This provision applies to any person or organization who qualifies as an additional insured under any form or endorsement under this Policy. 1. The following is added to Condition 2. Duties in the Event of Occurrence, Offense, Claim or Suit: An additional insured under this Endorsement will as soon as practicable: CG 89 70 (Ed. 1 1/14) (Page 10 of 12) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 a. give written notice of an "occurrence" or an offense that may result in a claim or "suit" under this insurance to us; b. tender the defense and indemnity of any claim or "suit" to all insurers whom also have insurance available to the Additional Insured; and c. agree to make available any other insurance which the Additional Insured has for a loss we cover under this Coverage Part. d. we have no duty to defend or indemnify an additional insured under this Endorsement until we receive written notice of a "suit" by the Additional Insured. 2. The Limits of Insurance applicable to the Additional Insured are those specified in a written contract or written agreement or the Limits of Insurance stated in the Declarations of this Policy and defined in SECTION III - LIMITS OF INSURANCE of this Policy, whichever are less. These limits are inclusive of and not in addition to the Limits of Insurance available under this Policy. T. Blanket Waiver of Transfer of Rights of Recovery Against Others to Us (Subrogation) Under SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, the following is added to Condition 8. Transfer of Rights of Recovery Against Others to Us: If required by a written contract or written agreement, we waive any right of recovery we may have against a person or organization because of payment we make for injury or damage arising out of your ongoing operations or "your work" done under a contract for that person or organization and included in the "products-completed operations hazard" provided that the injury or damage occurs subsequent to the execution of the written contract or written agreement. U. Property Damage Extension with Voluntary Payments 1. The following is added to paragraph 1. Insuring Agreement of SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability: At your request we will pay for "loss" to property of others caused by your business operations for which this Policy provides liability insurance. Such payment will be made without regard to your legal obligation to do so. The "loss" must occur during the policy period and must take place in the "coverage territory." 2. With respect to the coverage afforded under paragraph 1. above, paragraph 2. Exclusions of SECTION I - COVERAGES A - Bodily Injury and Property Damage Liability is amended as follows: Exclusions j.(3), j.(4), j.(5) and j.(6) are deleted. 3. As respects coverage afforded by this coverage, SECTION III - LIMITS OF INSURANCE is replaced by the following: Regardless of the number of insureds, claims made or "suits" brought or persons or organizations making claims or bring "suits": 1. Subject to 2. Below, the most we will pay for one or more "loss" arising out of any one "occurrence" is $ 1,000. 2. The aggregate amount we will pay for the sum of all "loss" in an annual period is $ 5,000. This aggregate amount is part of and not in addition to the General Aggregate Limit described in paragraph 2. of SECTION III - LIMITS OF INSURANCE. CG 89 70 (Ed. 1 1/14) (Page 11 of 12) * 81 * 02/12/2025* GLP 0482161 12 00 Great American Assurance Company *D/B* 397946331 694948 V. Who Is an Insured - Fellow Employee Extension - Management Employees 1. The following is added to paragraph 2.a.(1) of SECTION II - WHO IS AN INSURED: Paragraph (a) and (b) above do not apply to "bodily injury" or "personal and advertising injury" caused by an "employee" who is acting in a supervisory capacity for you. Supervisory capacity as used herein means the "employee's" job responsibilities assigned by you, including the direct supervision of other "employee" of yours. However, none of these "employees" are insureds for "bodily injury" or "personal and advertising injury" arising out of their willful conduct, which is defined as the purposeful or willful intent to cause "bodily injury" or "personal and advertising injury," caused in whole or in part by their intoxication by liquor or controlled substances. This coverage is excess over any other valid and collectable insurance available to your "employee." W. Broadened Personal and Advertising Injury 1. Unless "Personal and Advertising Injury" is excluded from this Policy, the following is added to SECTION V - DEFINITIONS Item 14.: h. mental injury, mental anguish, humiliation, or shock, if directly resulting from Items 14.a. through 14.e. CG 89 70 (Ed. 1 1/14) (Page 12 of 12)