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Home My WebLink AboutORANGE COUNTY ASSOCIATION FOR MENTAL HEALTH (2) - 2015IN8UPANR:00J UNTIL MAYIANCE c A -2014- 088 -022A UNTIL fNSUFiAN; r1Illt CLERK OF COUNGIi AMENDMENT TO AGREEMENT FOR USE DATE:3 o _ OF EMERGENCY SOLUTIONS GRANT FUNDS THIS AMENDMENT, made and entered into this I` day of January 2015, by and between the Orange County Association for Mental Health, a California nonprofit organization ( "Subrecipient ") and the City of Santa Ana, a charter city and municipal corporation of the State of California ("City "). RE, CI:EALS A. The City am, Subrecipient entered into that certain Emergency Solutions Grant Subrecipient Agreement Between the City of Santa Ana and the Orange County Association for Mental Health dated July 1, 2014 (Agreement #bA- 2014 - 088 -022) hereinafter referred to as "said Agreement', for Subrecipient to receive Emergency Solutions Grant Funds (17SG) in the amount of $23,147.00 for the operation of an emergency shelter program for the homelcss. B. The parties hereto now desire to amend the amount of the grant to increase it with an additional Two Thousand Five Hundred Dollars ($2,500.00) for this fiscal year. This additional money is part of prior year IZJ funding that had been awarded to other subrecipients that were unable to expend their entire grant amounts in the federally mandated 24 -month period. C. City Council authorized this reallocation at its regular meeting of April 1, 2014, in the Request for Council Action by stating that any unallocated FY 2013 -14 funds shall be redistributed proportionately among the subrecipients. WHEREFORE, in consideration of the mutual and respective covenants and promises hereinafter contained and made, and subject to all of the terms and conditions of said Agreement as hereby amended, the parties hereto do hereby agree as follows: I. The total Grant Award to Subrecipient will be amended to include an additional Two Thousand Five Hundred Dollars ($2,500) for a total giant award of Twenty Five Thousand Six Hundred Forty Seven Dollars ($25,647.00) in ESG funds, 2. Except as hereinabove modified, the terms and conditions of said Agreement remain unchanged and in full force and effect. IN WITNESS WHEREOF, the parties hereto have executed this Amendment to said Agreement the date and year fast above written. ATTEST: Maria D. Huizar, Clerk of tine Council APPROVED AS TO FORM: SONIA R. CARVALHO City Attorney 1,- rzc_ Lisa Storck Assistant City Attorney RECOMMEND VAL: elly nNe Director ('`oranu ity Development Agency '�AN David Cavazos, City Ncn get SUBRECIPIENT ORANGE COUNTY ASSOCIATION( FOR MENTAL HEALTH ,Jeffrey " h Chief Executiv Officer 111a. F`CA CERTIFICATE OF LIABILITY INSURANCE � --"'�5 DATE(MM/ODIY4 6/23/2Q14 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 poiicy(les) must 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: Comprehensive Insurance Services 22342 Avenida Em resa p _ PHONE (949)709 -8800 FAX (949) 709 -1668 " /C. Not: B.MaIL info ADD F$4,; @thecomprehensiveinsurance. oom Suite 2550 Roho Sta Margarita CA 92688 _ _ INSURERS AFFORDING COVERAGE yWNAIC# INSURER A:Nonprofits Insurance Alliance 11845 INSURED INSURER B: Mental Health Association of Orange County INSURER C: 822 Town Fx Country Rd. INSURER O: EACH OCCURRENCE INSURER E: X COMMERCIAL GENERAL LIABILITY ,Orange CA 92868 1 INSURER F: COVERAGES CERTIFICATE NUMBER:GL /Auto Only REVISION NUMRFR� THIS IS TO CERTIFY THAT THE POLICIES. OF INSURANCE US'rED 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, ILTR TYPE OF INSURANCE POLICY NUMBER MMIDDNVYY POLICYEXP LIMITS GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 X COMMERCIAL GENERAL LIABILITY 0AMAUETU7I!RTrD__ PREMISES fEn c r enca $ 500,000 A CLAIMS -MADE R OCCUR X 014- 08472 -UPG /1/2014 /1/2015 MED EXP (Any one person) $ 20,000 PERSONAL &ADV INJURY $ 1,000,000 GENERAL AGGREGATE $ 2,000,000 GERI AGGREGATE LIMIT APPLIES PER PRODUCTS - COMPIOP AGO $ 2,000,000 POLICY PRO X LOC $ AUTOMOBILE LIABIL17Y COMBINED SINGLE LIMIT l t $ 1,000,000 A X ANY AUTO BODILY INJURY(Perperson) $ ALL OWNED SCHEDULED AUTOS AUTOS 014- 08472 -14PG /1/2014 /1/2015 BODILY INJURY (Per accltlenQ $ HIRED AUTOS NON -OWNED AUTOS PROPERTY DAMAGE Per acciden $ - -" $ X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $ 2,000,000 AGGREGATE. $ 2,000,000 A EXCESS LIAB CLAIMS -MADE DED I X I RETENTION$ 10,OD0 $ 014- 08472- UbM -NPO 7/1/2019 /1/2015 WORKERS COMPENSATION 1y8_TAT1U O7H AND EMPLOYERS' LIABILITY YIN S- E.L. EACH ACCIDENT _ $. ANY PROPRIETORIPARTNER /EXECUTIVE OFFICER/MEMBER EXCLUDED? NIA E.L. DISEASE � EA EMPLOYEE S (Mandatory in NH) If yes, describe under E.L. DISEASE - POLICY LIMIT -- $ DESCRIPTION ,OF OPERATIONS be. _ DESCRIPTION OF OPERATIONS LOCATIONS /VEHICLES (Atlach ACORD 181, Addltlonal Remarks Schedule, ifmore space Is required) The City of Santa Ana, its officers, employees, agents and volunteers are included as Additional Insured per attached Special City Endorsement � g TU r>.. OpROVEM t CERTIFICATE HOLDER CANCELLATION 2C5t SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN The City of Santa Aria ACCORDANCE WITH THE POLICY PROVISIONS, 20 Civic Center plaza AUTHORIZED REPRESENTATIVE Santa Ana, CA 92701 Jeremy Eynon /JEREMY v =_ ACORD 25 (2010105) INS025 (2cioago1 1988.2010 ACORD CORPORATION. All rights reserved, The ACORD name and logo are registered marks of ACORD AGREEMENT ADDITIONAL INSURED # pgMV9kXX FOR COMMERCIAL GENERAL LIABILITY POLICY Insurance Company Nonprofits Insurance Alliance of California This endorsement modifies such insurance as is afforded by the provisions of Policy # 2014 - 08472 -NPO relating to the following: 1. The City of Santa Ana, 20 Civic Center Plaza, Santa Ana, California 92701; its officers, employees, agents, volunteers and representatives are named as additional insureds ( "additional insureds ") with regard to liability and defense of suits arising from the operations and uses performed by or on behalf of the named insured. 2. With respect to claims arising out of the operations and uses performed by or on behalf of the named insured, such insurance as is afforded by this policy is primary and is not additional to or contributing with any other insurance carried by or for the benefit of the additional insureds. 3. ��i��§ iiXs�Ap�ir�r' IiI�llfr; �aYr�{ �iI�13eg�i�i�li�iiC�Pl +i�trNr�tXs�r�xXX� , t�l��ul�c��xa�l�at�l� ,a�xx��rr,�a�;xxxxx -X XMNM2KI'Fitrli$'r1 XXXYPY6EASE REFER TO CG0001 PORTION OF THE POLICY, ATTACHED. 4. With respect to the additional insureds, this insurance shall not be cancelled, or materially reduced in coverage or limits except after thirty (30)'Uays Written notice has been given to the City.of Santa Ana, 20:Civio Center Plaza, ,Santa Ana; California 92701. *EXCEPT 10 DAYS FOR NON - PAYMENT OF PREMIUM (Completion of the following, including countersignature, is required to make this endorsement effective.) Effective 7 11//2014 this endorsement form as a part of Policy # 2014- 08472 -NPO Issued to Mental Health Association of Orange County Named Insured Countersigned by 44uthoi�7e sentative 'O vos% NIP 510V�CK 4\SA ��ity ,4ttarneY mss,\ >taat 2014 - 08472 -NPO COMMERCIAL GENERAL LIABILITY CG 00 01 07 98 Various provisions In this policy restrict coverage. b. This insurance applies to "bodily injury" and Read the entire policy carefully to determine rights, "property damage" only if: duties and what is and is not covered. (1) The "bodily injury" or "property damage" is Throughout this policy the words "you" and "your" refer caused by an "occurrence" that takes place to the Named Insured shown in the Declarations, and in the "coverage territory"; and any other person or organization qualifying as a (2) The "bodily injury" or "property damage" Named Insured under this policy. The words "we ", "us' occurs during the policy period. and "our" refer to the company providing this insur- ance, c. Damages because of "bodily injury" include The word "insured" means any person or organization damages claimed by any person or organiza- tion for care, loss of services or death resulting qualifying as such under Section II — Who Is An In- at anytime from the "bodily injury". sured. Other words and phrases that appear in quotation 2• Exclusions marks have special meaning. Refer to Section V — This insurance does not apply to; Definitions. a. Expected Or Intended Injury SECTION I — COVERAGES "Bodily injury" or "property damage" expected COVERAGE A BODILY INJURY AND PROPERTY or intended from the standpoint of the insured. DAMAGE LIABILITY This exclusion does not apply to "bodily injury" 1. Insuring Agreement resulting from the use of reasonable force to protect persons or property. a. We will pay those sums that the insured be- b. Contractual Liability comes legally obligated to pay as damages be- cause of "bodily injury" or "property damage" to "Bodily injury" or "property damage" for which which this Insurance applies. We will have the the insured is obligated to pay damages by right and duty to defend the insured against any reason of the assumption of liability in a con - "suit" seeking those damages. However, we will tract or agreement. This exclusion does not have no duty to defend the insured against any apply to liability for damages: "suit" seeking damages for "bodily injury" or (1) That the insured would have in the absence "property damage" to which this insurance does of the contract or agreement; or not apply. We may, at our discretion, invests- (2) Assumed in a contract or agreement that is gate any "occurrence „ and settle any claim or "suit” that may result. But: an "insured contract ", provided the "bodily injury" or "property damage" occurs subse- (1) The amount we will pay for damages is quent to the execution of the contract or limited as described in Section III — Limits agreement, Solely for the purposes of liabil- Of Insurance; and ity assumed in an "insured contract ", rea- (2) Our right and duty to defend end when we sonable attorney fees and necessary litiga- have used up the applicable limit of insur- tion expenses incurred by or for a party ance in the payment of judgments or set- other than an insured are deemed to be tlements under Coverages A or B or medi- damages because of "bodily injury" or cal expenses under Coverage C. "property damage ", provided: No other obligation or liability to pay sums or (a) Liability to such party for, or for the cost perform acts or services is covered unless ex- of, that party's defense has also been plicitly provided for under Supplementary Pay- assumed in the same "insured contract "; ments — Coverages A and B. and RCK �a tan �` y Attorney CG 00 01 07 98 Copyright, Insurance Services Office, Inc., 1997 Page 1 of 13 u (b) Such attorney fees and litigation ex- penses are for defense of that party against a civil or alternative dispute reso- lution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability "Bodily injury" or "property damage" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or un- der the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alco- holic beverages. This exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. d. Workers' Compensation And Similar Laws Any obligation of the Insured under a workers' compensation, disability benefits or unemploy- ment compensation law or any similar law. e. Employer's Liability "Bodily injury" to: (1) An "employee" of the insured arising out of and in the course of: (a) Employment by the insured; or (b) Performing duties related to the conduct of the insured's business; or (2) The spouse, child, parent, brother or sister of that "employee" as a consequence of Paragraph (1) above. This exclusion applies: (1) Whether the insured may be liable as an employer or in any other capacity; and (2) To any obligation to share damages with or repay someone else who must pay dam- ages because of the injury. This exclusion does not apply to liability as- sumed by the insured under an "insured con- tract". f. Pollution (1) "Bodily injury" or "properly damage" arising out of the actual, alleged or threatened dis- charge, dispersal, seepage, migration, re- lease or escape of "pollutants ": (a) At or from any premises, site or location which is or was at any time owned or occupied by, or rented or loaned to, any insured. However, this subparagraph does not apply to: (1) "Bodily injury" if sustained within a building and caused by smoke, fumes, vapor or soot from equipment used to heat that building; (ii) "Bodily injury" or "property damage" for which you may be held liable, if you are a contractor and the owner or lessee of such premises, site or location has been added to your pol- icy as an additional insured with re- spect to your ongoing operations per- formed for that additional insured at that premises, site or location and such premises, site or location is not and never was owned or occupied by, or rented or loaned to, any in- sured, other than that additional in- sured; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire "; (b) At or from any premises, site or location which is or was at any time used by or for any insured or others for the han- dling, storage, disposal, processing or treatment of waste; (c) Which are or were at any time trans- ported, handled, stored, treated, dis- posed of, or processed as waste by or for any insured or any person or organi- zation for whom you may be legally re- sponsible; or Page 2 of 13 Copyright, Insurance Services Office, Inc., 1997 CG 00 0107 98 ❑ (d) At or from any premises, site or location on which any Insured or any contractors or subcontractors working directly or in- directly on any Insured's behalf are per- forming operations if the "pollutants" are brought on or to the premises, site or lo- cation in connection with such opera- tions by such insured, contractor or sub- contractor. However, this subparagraph does not apply to: (1) 'Bodily injury" or "property damage" arising out of the escape of fuels, lu- bricants or other operating fluids which are needed to perform the normal electrical, hydraulic or me- chanical functions necessary for the operation of "mobile equipment" or its parts, if such fuels, lubricants or other operating fluids escape from a vehicle part designed to hold, store or receive them. This exception does not apply if the "bodily injury" or "property damage" arises out of the intentional discharge, dispersal or re- lease of the fuels, lubricants or other operating fluids, or if such fuels, lu- bricants or other operating fluids are brought on or to the premises, site or location with the intent that they be discharged, dispersed or released as part of the operations being per - formed by such insured, contractor or subcontractor; 1111) "Bodily injury" or "property damage" sustained within a building and caused by the release of gases, fumes or vapors from materials brought into that building In connec- tion with operations being performed by you or on your behalf by a con- tractor or subcontractor; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire ". (e) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or in- directly on any insured's behalf are per- forming 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 ef- fects of, "pollutants ". (2) Any loss, cost or expense arising out of any (a) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, re- move, contain, treat, detoxify or neutral- ize, or in any way respond to, or assess the effects of, "pollutants "; or (b) Claim or suit by or on behalf of a gov- ernmental authority for damages be- cause of testing for, monitoring, cleaning up, removing, containing, treating, de- toxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants ". However, this paragraph does not apply to liability for damages because of "property damage" that the insured would have in the absence of such request, demand, order or statutory or regulatory requirement, or such claim or "suit" by or on behalf of a govern- mental authority. g. Aircraft, Auto Or Watercraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or an- trustmant to others of any aircraft, "auto" or wa- tercraft owned or operated by or rented or loaned to any insured. Use Includes operation and "loading or unloading ". This exclusion does not apply to: (1) A watercraft while ashore on premises you own or rent; (2) A watercraft you do not own that is: (a) Less then 26 feet long; and (b) Not being used to carry persons or property for a charge; (3) Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not owned by or rented or loaned to you or the insured; (4) Liability assumed under any "insured con- tract" for the ownership, maintenance or use of aircraft or watercraft; or (5) "Bodily injury" or "property damage" arising out of the operation of any of the equipment listed in Paragraph f.(2) or f.(3) of the defink tion of "mobile equipment ". CG 00 01 07 98 Copyright, Insurance Services Office, Inc., 1997 Page 3 of 13 0 In. Mobile Equipment "Bodily injury" or "property damage" arising out of: (1) The transportation of "mobile equipment" by an "auto' owned or operated by or rented or loaned to any Insured; or (2) The use of "mobile equipment" in, or while in practice for, or while being prepared for, any prearranged racing, speed, demolition, or stunting activity. 1. War "Bodily injury" or "property damage" due to war, whether or not declared, or any act or condition incident to war. War includes civil war, insurrec- tion, rebellion or revolution. This exclusion ap- plies only to liability assumed under a contract or agreement. j. Damage To Property "Property damage" to: (1) Property you own, rent, or occupy; (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises; (3) Property loaned to you; (4) Personal property in the care, custody or control of the insured; (5) That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the "property damage" arises out of those operations; or (6) That particular part of any property that must be restored, repaired or replaced be- cause "your work" was incorrectly per- formed on it. Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" (other than damage by fire) to premises, including the con- tents of such premises, rented to you for a pe- riod of 7 or fewer consecutive days. A separate limit of insurance applies to Damage To Prem- ises Rented To You as described in Section III — Limits Of Insurance. Paragraph (2) of this exclusion does not apply if the premises are "your work" and were never occupied, rented or held for rental by you. Paragraphs (3), (4), (5) and (6) of this exclusion do not apply to liability assumed under a side- track agreement. Paragraph (6) of this exclusion does not apply to "property damage" included in the "products - completed operations hazard ". k. Damage To Your Product "Property damage" to "your product" arising out of it or any part of it. 1. Damage To Your Work "Property damage" to "your work" arising out of it or any part of it and Included in the "products - completed operations hazard ". This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a sub- contractor. m. Damage To Impaired Property Or Property Not Physically Injured "Property damage" to "impaired property" or property that has not been physically injured, arising out of: (1) A defect, deficiency, inadequacy or danger- ous condition In "your product" or "your work "; or (2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and ac- cidental physical injury to "your product" or "your work" after it has been put to its Intended use, n. Recall Of Products, Work Or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replace- ment, adjustment, removal or disposal of: (1) "Your product "; (2) "Your work "; or (3) "Impaired property "; if such product, work, or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it. o. Personal And Advertising Injury "Bodily injury" arising out of "personal and ad- vertising injury ". Exclusions c. through n, do not apply to damage by fire to premises while rented to you or temporar- ily 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. Page 4 of 13 Copyright, Insurance Services Office, Inc., 1997 CG 00 0107 98 C7 COVERAGE B PERSONAL AND ADVERTISING (6) Arising out of a breach of contract, except INJURY LIABILITY an implied contract to use another's adver- t. Insuring Agreement tising idea in your "advertisement "; a. We will pay those sums that the insured be- (7) Arising out of the failure of goods, products comes legally obligated to pay as damages be- or services to conform with any statement of cause of "personal and advertising injury" to quality or performance made in your "adver- which this insurance applies. We will have the tisement "; right and duty to defend the insured against any (S) Arising out of the wrong description of the "suit" seeking those damages. However, we will price of goods, products or services stated have no duty to defend the insured against any in your "advertisement'; "suit" seeking damages for "personal and ad- (9) Committed by an insured whose business is vertising injury' to which this Insurance does advertising, broadcasting, publishing or not apply. We may, at our discretion, investi- telecasting, However, this exclusion does gate any offense and settle any claim or "suit" not apply to Paragraphs 14,a., b. and c. of that may result. But: "persoral and advertising injury" under the (1) The amount we will pay for damages is Definitions Section, or limited as described in Section III — Limits (10) Arising out of the actual, alleged or threat - Of Insurance; and ened discharge, dispersal, seepage, migra- (2) Our right and duty to defend end when we tlon, release or escape of "pollutants" at any have used up the applicable limit of insur- time. ance in the payment of judgments or set- b. Any loss, cost or expense arising out of any: tlements under Coverages A or B or medi- cal expenses under Coverage C. (1) Request, demand or order that any insured No other obligation or liability to pay sums or or others test for, monitor, clean up, re- move, contain, treat, detoxify or neutralize, perform acts or services is covered unless ex- or in any way respond to, or assess the ef- plicitly provided for under Supplementary Pay- facts of, "pollutants "; or ments — Coverages A and B. b. This insurance applies to "personal and adver- (2) Claim or suit by or on behalf of a govern - mental authority for damages because of tising injury" caused by an offense arising out of testing for, monitoring, cleaning up, rem your business but only if the offense was corn- "coverage d ing, containing, treating, detoxifying or - eu- mitted in the territory" during the pol- tralizing, or in any way responding to, or r as- icy period. sessing the effects of, "pollutants ". 2. Exclusions COVERAGE C MEDICAL PAYMENTS This insurance does not apply to: 1. Insuring Agreement a. Personal and advertising injury ": a. We will pay medical expenses as described (1) Caused by or at the direction of the insured below for "bodily injury" caused by an accident: with the knowledge that the act would vio- (1) On premises you own or rent; late the rights of another and would inflict "personal and advertising injury "; (2) On ways next to premises you own or rent; (2) Arising out of oral or written publication of or material, if done by or at the direction of the (3) Because of your operations; insured with knowledge of its falsity; provided that: (3) Arising out of oral or written publication of (1) The accident takes place in the "coverage material whose first publication took place territory" and during the policy period; before the beginning of the policy period; (2) The expenses are incurred and reported to (4) Arising out of a criminal act committed by or us within one year of the date of the acci- at the direction of any insured; dent; and (5) For which the insured has assumed liability (3) The injured person submits to examination, in a contract or agreement. This exclusion at our expense, by physicians of our choice does not apply to liability for damages that as often as we reasonably require, the insured would have in the absence of the contract or agreement; CG 00 01 07 98 Copyright, Insurance Services Office, Inc., 1997 Page 5 of 13 19 b. We will make these payments regardless of fault. These payments will not exceed the ap- plicable limit of insurance. We will pay reason- able expenses for: (1) First aid administered at the time of an accident; (2) Necessary medical, surgical, x -ray and dental services, including prosthetic de- vices; and (3) Necessary ambulance, hospital, profes- sional nursing and funeral services. 2. Exclusions We will not pay expenses for "bodily injury ": a. To any insured. b. To a person hired to do work for or on behalf of any insured or a tenant of any insured. c. To a person injured on that part of premises you own or rent that the person normally occu- pies. d. To a person, whether or not an "employee" of any Insured, if benefits for the "bodily injury" are payable or must be provided under a workers' compensation or disability benefits law or a similar law. e. To a person injured while taking part in athlet- ics. f. Included within the "products- completed opera- tions hazard ". g. Excluded under Coverage A. h. Due to war, whether or not declared, or any act or condition incident to war. War includes civil war, insurrection, rebellion or revolution. SUPPLEMENTARY PAYMENTS — COVERAGES A AND B 1. We will pay, with respect to any claim we investi- gate or settle, or any "suit" against an insured we defend: a. All expenses we incur, b. Up to $250 for cost of bail bonds required be- cause of accidents or traffic law violations aris- ing out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish 'these bonds. c. The cost of bonds to release attachments, but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. d. All reasonable expenses incurred by the in- sured at our request to assist us in the investi- gation or defense of the claim or "suit", includ- ing actual loss of earnings up to $250 a day because of time off from work. e. All costs taxed against the insured in the "suit ". f. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment in- terest based on that period of time after the of- fer. g. All interest on the full amount of any judgment that accrues after entry of the judgment and be- fore we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of Insur- ance. 2. If we defend an insured against a "suit" and an indemnitee of the insured is also named as a party to the "suit ", we will defend that indemnitee if all of the following conditions are met: a. The "suit" against the indemnitee seeks dam- ages for which the insured has assumed the li- ability of the indemnitee in a contract or agree- ment that is an "insured contract "; It. This insurance applies to such liability assumed by the insured; c. The obligation to defend, or the cost of the defense of, that indemnitee, has also been as- sumed by the insured in the same "insured contract'; d. The allegations in the "suit" and the information we know about the "occurrence" are such that no conflict appears to exist between the inter- ests of the insured and the interests of the in- demnitee; e. The indemnitee and the insured ask us to con- duct and control the defense of that indemnitee against such "suit" and agree that we can as- sign the same counsel to defend the insured and the indemnitee; and f. The indemnitee: (1) Agrees in writing to: (a) Cooperate with us in the investigation, settlement or defense of the "suit'; (b) Immediately send us copies of any de- mands, notices, summonses or legal papers received in connection with the "suit" (c) Notify any other insurer whose coverage is available to the indemnitee; and (d) Cooperate with us with respect to coor- dinating other applicable insurance available to the indemnitee; and Page 6 of 13 Copyright, Insurance Services Office, Inc., 1997 CG 00 01 07 98 11 (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 ". So long as the above conditions are met, attor- neys' fees Incurred by us in the defense of that in- demnitee, necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2,b.(2) of Section I •- Cov- erage A — Bodily Injury And Property Damage Li- ability, such payments will not be deemed to be damages for "bodily injury" and "property damage" and will not reduce the limits of insurance, Our obligation to defend an insured's indemnitee and to pay for attorneys' fees and necessary litiga- tion expenses as Supplementary Payments ends when: a. We have used up the applicable limit of insur- ance in the payment of judgments or settle- ments; or b. The conditions set forth above, or the terms of the agreement described in Paragraph f. above, are no longer met. SECTION II —WHO IS AN INSURED 1. If you are designated in the Declarations as: a. An individual, you and your spouse are insur- eds, but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture, you are an in- sured. Your members, your partners, and their spouses are also insureds, but only with re- spect to the conduct of your business. c. A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers, d. An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their du- ties as your officers or directors. Your stock- holders are also insureds, but only with respect to their liability as stockholders. 2. Each of the following is also an insured; a. Your "employees ", other than either your "ex- ecutive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these "em- ployees" is an insured for: (1) "Bodily injury" or "personal and advertising Injury": (a) To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liabil- ity company), or to a co-"employee" while that co-"employee" Is either in the course of his or her employment or per- forming duties related to the conduct of your business; (b) To the spouse, child, parent, brother or sister of that co- "employee" as a conse- quence of Paragraph (1)(a) above; (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraphs (1)(a) or (b) above; or (d) Arising out of his or her providing or failing to provide professional health care services. (2) "Property damage" to property: (a) Owned, occupied or used by, (b) Rented to, in the care, custody or control of, or over which physical control is be- ing exercised for any purpose by you, any of your "employees ", any partner or member (if you are a partnership or joint venture), or any member (if you are a lim- ited liability company). b. Any person (other than your "employee "), or any organization while acting as your real es- tate manager. c. Any person or organization having proper tem- porary custody of your property if you die, but only: (1) With respect to liability arising out of the maintenance or use of that property; and (2) Until your legal representative has been appointed. CG 00 01 07 98 Copyright, Insurance Services Office, Inc., 1997 Page 7 of 13 Q d. Your legal representative if you die, but only With respect to duties as such. That representa- tive will have all your rights and duties under this Coverage Part. 3. With respect to "mobile equipment' registered in your name under any motor vehicle registration law, any person is an insured while driving such equipment along a public highway with your per- mission. Any other person or organization respon- sible for the conduct of such person is also an in- sured, but only with respect to liability arising out of the operation of the equipment, and only if no other insurance of any kind is available to that person or organization for this liability. However, no person or organization is an insured with respect to: a. 'Bodily injury" to a co- "employee" of the person driving the equipment; or b. 'Property damage" to property owned by, rented to, in the charge of or occupied by you or the employer of any person who is an in- sured under this provision. 4. Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, 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 90th day after you acquire or form the organization or the end of the policy period, whichever is earlier; 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. 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. SECTION III — LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay re- gardless of the number of: a. Insureds; b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits ". 2. The General Aggregate Limit is the most we will pay for the sum of: a. Medical expenses under Coverage C; It. Damages under Coverage A, except damages because of "bodily injury" or "property damage" included In the "products- completed operations hazard "; and c. Damages under Coverage B. 3. The Products - Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of "bodily injury" and "property damage" included in the "products- completed op- erations hazard ". 4. Subject to 2. above, the Personal and Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all "per- sonal and advertising injury" sustained by any one person or organization. 5. Subject to 2. or 3. above, whichever applies, the Each Occurrence Limit is the most we will pay for the sum of: a. Damages under Coverage A; and b. Medical expenses under Coverage C because of all "bodily injury" and "property dam- age" arising out of any one "occurrence ". 6. Subject to 5. above, the Damage To Premises Dented To You Limit is 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 by fire, while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to 5. above, the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of "bodily injury" sus- tained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. Page 8 of 13 Copyright, Insurance Services Office, Inc., 1997 CG 00 0107 93 ❑ SECTION IV-- COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obliga- tions under this Coverage Part. 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit a. You must see to it that we are notified as soon as practicable of an "occurrence" or an offense which may result in a claim. To the extent pos- sible, notice should Include: (1) How, when and where the "occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. b. If a claim is made or "suit" is brought against any insured, you must: (1) Immediately record the specifics of the claim or "suit" and the date received; and (2) Notify us as soon as practicable. You must see to it that we receive written no- tice of the claim or "suit" as soon as practica- ble. c. You and any other involved insured must: (1) Immediately send us copies of any de- mands, notices, summonses or legal pa- pers received in connection with the claim or "suit'; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit "; and (4) Assist us, upon our request, in the en- forcement of any right against any person or organization which may be liable to the in- sured because of injury or damage to which this insurance may also apply. d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent. 3. Legal Action Against Us No person or organization has a right under this Coverage Part: a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or It. To sue us on this Coverage Part unless all of Its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured obtained after an actual trial; but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insur- ance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal represen- tative, 4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Cover- ages A or B of this Coverage Part, our obligations are limited as follows: a. Primary Insurance This insurance is primary except when b, below applies. If this insurance Is primary, our obliga- tions are not affected unless any of the other Insurance is also primary. Then, we will share with all that other insurance by the method de- scribed in c. below. b. Excess Insurance This insurance is excess over: (1) Any of the other insurance, whether pri- mary, excess, contingent or on any other basis: (a) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for "your work "; (b) That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner; (c) That is insurance purchased by you to cover your liability as a tenant for "prop- erty damage" to premises rented to you or temporarily occupied by you with permission of the owner; or (d) If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to Exclusion g, of Section I — Coverage A — Bodily Injury And Property Damage Liability. (2) Any other primary insurance available to YOU covering liability for damages arising out of the premises or operations for which you have been added as an additional in- sured by attachment of an endorsement. CG 00 01 07 98 Copyright, Insurance Services Office, Inc., 1997 Page 9 of 13 ❑ When this insurance is excess, we will have no duty under Coverages A or B to defend the in- sured against any "suit" if any other insurer has a duty to defend the insured against that "suit ". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. When this insurance is excess over other in- surance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (1) The total amount that all such other insur- ance would pay for the loss in the absence of this insurance; and (2) The total of all deductible and self- insured amounts under all that other insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer contrib- utes equal amounts until it has paid its applica- ble limit of insurance or none of the loss re- mains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of in- surance of all insurers. 5. Premium Audit a. We will compute all premiums for this Cover- age Part In accordance with our rules and rates. b. Premium shown in this Coverage Part as ad- vance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period. Audit pre- miums are due and payable on notice to the first Named Insured. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium computa- tion, and send us copies at such times as we may request. 6. Representations By accepting this policy, you agree: a. The statements in the Declarations are accu- rate and complete; b. Those statements are based up�ance rresant tions you made to us; and c, We have issued this policy upon 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not lass than 30 days before the expi- ration date. If notice is mailed, proof of mailing will be sufficient proof of notice. SECTION V — DEFINITIONS 1. "Advertisement" means a notice that is broadcast or published to the general public or specific mar- ket segments about your goods, products or ser- vices for the purpose of attracting customers or supporters. 2. "Auto" means a land motor vehicle, trailer or semi- trailer designed for travel on public roads, including any attached machinery or equipment. But "auto" does not include "mobile equipment ". 3. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including death re- sulting from any of these at anytime. 4. "Coverage territory" means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; Page 10 of 13 Copyright, Insurance Services Office, Inc., 1997 CG 00 01 07 98 ❑ b. International waters or airspace, provided the injury or damage does not occur in the course of travel or transportation to or from any place not Included in a, above; or c. All parts of the world if: (1) The Injury or damage arises out of: (a) Goods or products made or sold by you in the territory described in a. above; or (b) The activities of a person whose home is in the territory described in a. above, but IS away for a short time on your busi- ness; and (2) The Insured's responsibility to pay damages Is determined in a "suit" on the merits, in the territory described in a, above or in a set- tlement we agree to. 5. "Employee" includes a "leased worker ". "Employee" does not include a "temporary worker ". 6. "Executive officer" means a person holding any of the officer positions created by your charter, con- stitution, by -laws or any other similar governing document. 7. "Hostile fire" means one which becomes uncontrol- lable or breaks out from where it was intended to be. 8. "Impaired property" means tangible property, other than "your product" or "your work ", that cannot be used or Is less useful because: a. It incorporates "your product" or "your work" that is known or thought to be defective, defi- cient, inadequate or dangerous; or b. You have failed to fulfill the terms of a contract or agreement; if such property can be restored to use by: a. The repair, replacement, adjustment or re- moval of "your product" or "your work "; or b. Your fulfilling the terms of the contract or agreement. 9. "Insured contract" means: a. A contract for a lease of premises. However, that portion of the contract for a lease of prem- ises that indemnifies any person or organiza- tion for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured con- tract"; b. A sidetrack agreement; c. Any easement or license agreement, except in connection with construction or demolition op- erations on or within 50 feet of a railroad; d. An obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement; f. That part of any other contract or agreement pertaining to your business (including an In- demnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for "bodily injury" or "property dam- age" to a third person or organization. Tort li- ability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f, does not include that part of any contract or agreement: (1) That indemnifies a railroad for "bodily injury" or "property damage" arising out of con- struction or demolition operations, within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, road- beds, tunnel, underpass or crossing; (2) That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a) Preparing, approving, or failing to pre- pare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifi- cations; or (b) Giving directions or instructions, or fail- ing to give them, if that is the primary cause of the injury or damage; or (3) Under which the insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the in- sured's rendering or failure to render pro- fessional services, including those listed in (2) above and supervisory, inspection, ar- chitectural or engineering activities. 10. "Leased worker" means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm, to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker ". 11. "Loading or unloading" means the handling of property: a. After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or "auto "; b. While it is in or on an aircraft, watercraft or "auto "; or CG 00 01 07 98 Copyright, Insurance Services Office, Inc., 1997 Page 91 of 13 ❑ c. While it is being moved from an aircraft, water- craft or "auto" to the place where it is finally de- livered; but "loading or unloading" does not Include the movement of property by means of a mechanical device, other than a hand truck, that is not at- tached to the aircraft, watercraft or "auto ". 12. "Mobile equipment' means any of the following types of land vehicles, including any attached ma- chinery or equipment: a. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; b. Vehicles maintained for use solely on or next to premises you own or rent; c. Vehicles that travel on crawler treads; d. Vehicles, whether self - propelled or not, main- tained primarily to provide mobility to perma- nently mounted: (1) Power cranes, shovels, loaders, diggers or drills; or (2) Road construction or resurfacing equipment such as graders, scrapers or rollers; e. Vehicles not described in a., b., c. or d. above that are not self - propelled and are maintained primarily to provide mobility to permanently at- tached equipment of the following types: (1) Air compressors, pumps and generators, including spraying, welding, building clean- ing, geophysical exploration, lighting and well servicing equipment; or (2) Cherry pickers and similar devices used to raise or lower workers; f. Vehicles not described in a., b., c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However, self - propelled vehicles with the fol- lowing types of permanently attached equip- ment are not "mobile equipment" but will be considered "autos ": (1) Equipment designed primarily for: (a) Snow removal; (b) Road maintenance, but not construction or resurfacing; or (c) Street cleaning; (2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and (3) Air compressors, pumps and generators, including spraying, welding, building clean- ing, geophysical exploration, lighting and well servicing equipment. 13. "Occurrence" means an accident, Including con- tinuous or repeated exposure to substantially the same general harmful conditions. 14. "Personal and advertising Injury" means injury, including consequential "bodily injury ", arising out of one or more of the following offenses: a. False arrest, detention or imprisonment; b. Malicious prosecution; c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person oc- cupies, committed by or on behalf of its owner, landlord or lessor; d. Oral or written publication of material that slan- ders or libels a person or organization or dis- parages a person's or organization's goods, products or services; e. Oral or written publication of material that vio- lates a person's right of privacy; f. The use of another's advertising idea in your "advertisement "; or g. Infringing upon another's copyright, trade dress or slogan in your "advertisement ". 15. "Pollutants" mean any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 16. "Products- completed operations hazard ": a. Includes all "bodily injury" and "property dam- age" occurring away from premises you own or rent and arising out of "your product" or "your work" except: (1) Products that are still in your physical pos- session; or (2) Work that has not yet been completed or abandoned. However, "your work" will be deemed completed at the earliest of the fol- lowing times: (a) When all of The work called for in your contract has been completed. (b) When all of the work to be done at the job site has been completed if your con- tract calls for work at more than one job site. (c) When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. Page 12 of 13 Copyright, Insurance Services Office, Inc., 1997 CG 00 01 07 98 11 b. Does not include "bodily injury" or "property damage" arising out of: (1) The transportation of property, unless the Injury or damage arises out of a condition in or on a vehicle not owned or operated by you, and that condition was created by the "loading or unloading" of that vehicle by any insured; (2) The existence of tools, uninstalled equip- ment or abandoned or unused materials; or (3) Products or operations for which the classi- fication, listed in the Declarations or in a pol- icy schedule, states that products - completed operations are subject to the General Aggregate Limit. 17. "Property damage" means: a. Physical Injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the 'occur- rence" that caused it. 18. "Suit" means a civil proceeding in which damages because of "bodily injury ", "property damage" or "personal and advertising injury" to which this in- surance applies are alleged. "Suit" includes: 20. "Your product" means: a. Any goods or products, other than real prop- erty, manufactured, sold, handled, distributed or disposed of by: (1) You; (2) Others trading under your name; or (3) A person or organization whose business or assets you have acquired; and b. Containers (other then vehicles), materials, parts or equipment furnished in connection with such goods or products. "Your product" includes: a. Warranties or representations made at any time with respect to the fitness, quality, durabil- ity, performance or use of "your product "; and b. The providing of or failure to provide warnings or instructions, "Your product" does not include vending machines or other property rented to or located for the use of others but not sold. 21. "Your work" means: a. Work or operations performed by you or or your behalf; and b. Materials, parts or equipment furnished in con- nection with such work or operations. "Your work" includes: a, An arbitration proceeding in which such dam- a. Warranties or representations made at any ages are claimed and to which the insured time with respect to the fitness, quality, durabil- must submit or does submit with our consent; ity, performance or use of "your work; and or b. The providing of or failure to provide warnings b. Any other alternative dispute resolution pro- or instructions. ceeding in which such damages are claimed and to which the insured submils with our con- sent. 19. "Tomporary worker" means a person who is fur- nished to you to substitute for a permanent "am- ployee" on leave or to meet seasonal or short -term workload conditions. CG 00 01 07 98 Copyright, Insurance Services Office, Inc., 1997 Page 13 of 13