HomeMy WebLinkAboutBrother Benno Foundation; 2019-01-02;AGREEMENT BETWEEN THE CITY OF CARLSBAD AND
THE BROTHER BENNO FOUNDATION FOR
FEDERAL COMMUNITY DEVELOPMENT BLOCK GRANT FUNDS
---c THIS AGREEMENT ("Agreement") made and entered into as ofthist;/2 ,Jt.I' day of
'-, .. Lu(>k:LQ~ 2ofl_ by and between the CITY OF CARLSBAD ("City") and THE
BROTHER BED FOUNDATION, a non-profit corporation ("Subrecipient").
RECITALS
WHEREAS, the City has applied for and received funds from the United States
Government under Title I of the Housing and Community Development Act of 1974, Public Law
93-383 as amended to fund eligible activities which benefit persons of low and moderate income
under Catalog of Federal Domestic Assistance number 14.218; and,
WHEREAS, the City wishes to provide assistance to non-profit public service providers
who offer services for lower income Carlsbad residents; and,
WHEREAS, the Subrecipient can provide these basic services for lower income
households with some assistance from the City; and,
WHEREAS, the City has determined that the services offered by Brother Benno
Foundation are exempt from environmental review under 24 CFR Section 58.34(a)(4); and,
WHEREAS, the U.S. Department of Housing and Urban Development has approved the
City's Annual Consolidated Plan for Community Development Block Grant funds (hereinafter
referred to as the "Annual Consolidated Plan").
NOW, THEREFORE, in consideration of these recitals and the mutual covenants
contained herein, City and Subrecipient agree as follows:
1. STATEMENT OF WORK
The City has allocated federal community development block grant ("CDBG") funds, in the
amount of fifteen thousand dollars ($15,000) to the Subrecipient for provision of services
through their offices located at 3260 Production A venue Oceanside, CA for the period beginning
July 1, 2018 and ending June 30, 2019. The Subrecipient agrees to use all federal funds provided
by the City to the Subrecipient pursuant to the provisions of this Agreement, the Scope of Work,
attached hereto as Exhibit "A", and in accordance with the terms of the Annual Consolidated
Plan.
Every effort shall be made by the Subrecipient to expend the allocated funds in their entirety by
June 20, 2018. If the Subrecipient will be unable to expend all of the funds allocated to the
project by the noted date, the Subrecipient shall request an extension from the City for continued
use of the funds on the approved project based on progress made by the Subrecipient towards
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C!~I..SBHDHH'3 '18 DEC 18
completing the subject project. The City may agree to grant the extension or notify the
Subrecipient that, in its sole discretion, the funds must be reallocated to another eligible activity
due to slow project progress.
2. DISBURSEMENT OF FUNDS
The City shall reimburse the Subrecipient with CDBG funds for necessary and reasonable
costs related to the provision of services for eligible residents of Carlsbad for the term of this
Agreement. The reimbursements for costs shall not exceed a total of $15,000. However, no
more than 90 percent of the total agreed upon compensation will be paid during the performance
of this Agreement. The balance due (remaining 10 percent) shall be paid upon final certification
by the City that Subrecipient has administered the services and activities in compliance with all
applicable Federal, state, and local rules and regulations governing these funds, and in a manner
satisfactory to the City.
Payment for eligible expenses shall be made in accordance with budget information provided in
Exhibit "B" and in accordance with performance. Subrecipient represents that the budget
includes only allowable costs and an accurate analysis of costs applicable to the CDBG funds
pursuant to 24 CFR Section 570.502.
Subrecipient shall submit a "Request for Reimbursement" to the City for compensation of
eligible and actual expenses incurred. The City shall not provide any payments/reimbursements
in advance of actual expenditures by the Subrecipient. Subrecipient may request reimbursements
anytime after this Agreement is approved by the City Council and continue until the expiration
date, or amended expiration date, of this Agreement.
Each request for reimbursement shall include documentation to verify expenditure of funds are
consistent with this Agreement, the Statement of Work, the Annual Consolidated Plan, and with
all applicable Federal, state, and local rules and regulations governing these funds. Payroll
records, receipts, paid invoices including an itemized statement of all costs are samples of
appropriate methods of reimbursement documentation.
3. PROGRAM INCOME
The Subrecipient shall report, to the City, any interest, or other income, earned as a direct result
of the use of federal CDBG funds for the program outlined within this Agreement. All reported
program income may be retained by the Subrecipient for costs related to the subject program
activities. However, the program income, retained by the Subrecipient, must be expended before
additional funds are requested from the City. The requirements are set forth in 24 CFR Section
570.504 which is incorporated herein by reference.
4. LABOR, MATERIALS AND SUPPLIES:
The Subrecipient shall furnish all labor, materials and services and bear all expenses necessary to
provide the subject program as outlined in this agreement. Under this Agreement, the City's only
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financial obligation to the Subrecipient is to provide the CDBG funds of $15,000 maximum as
allocated by the City Council for program year 2018-201,98.
5. RECORDS AND REPORTS
The Subrecipient shall maintain all records required by the Federal regulations specified in 24
CFR Section 570.506 that are pertinent to the activities to be funded under this Agreement. Such
records shall include but not be limited to:
a. Records providing a full description of each activity undertaken;
b. Records demonstrating each activity undertaken meets one of the National Objectives
of the CDBG program;
c. Records required to determine the eligibility of activities;
d. Records demonstrating compliance with 24 CFR Section 570.505 regarding change of
use of real property acquired or improved with CDBG assistance;
e. Records demonstrating compliance with the requirements in 24 CFR Section 570.606
regarding acquisition, displacement, relocation, and replacement housing;
f. Records documenting compliance with the fair housing and equal opportunity
components of the CDBG program;
g. Documentation of all CDBG funds received from the City, eligible expenses incurred
for administration of each activity, and other financial records as required by 24 CFR
Section 570.502, and 0MB (the United States Office of Management and Budget)
Circular A-11 O; and,
h. Any other related records as the City shall require to demonstrate compliance with
applicable Federal, state, and local rules and regulations governing these funds.
The Subrecipient shall submit quarterly "Progress Reports" within ten ( I 0) calendar days of the
end of each quarter for the full term of this Agreement. The final progress report is due no later
than June 20, 2019.The report must include sufficient information to assist the City in monitoring
the Subrecipient's performance. The Subrecipient must demonstrate satisfactory performance
prior to reimbursement for expenditures.
At a minimum, the performance reports shall include the following information:
a. Total number of persons/households participating in the program during reported
period;
b. Total number of participants from Carlsbad;
c. Number of low/moderate income Carlsbad persons/households participating in the
program during the reporting period;
d. Age and ethnic background of Carlsbad participants; and,
e. Summary of program(s) provided to Carlsbad participants.
f. Quarterly reports must be submitted by the following: October 10, January 10,
April 10, and June 20.
The Subrecipient shall maintain client data demonstrating client eligibility for services provided.
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CHRL%'f!D ttiS '18 DEC 18
Such data shall include at the minimum client name, address, ethnicity, income level or other
basis for determining eligibility, and a description of the service provided. This data shall assist
the Subrecipient in completing the required quarterly progress reports to be submitted to the City.
The Subrecipient shall maintain separate accounting records for the federal CDBG funds
provided by the City. The City, Federal Grantor Agency, Comptroller General of the United
States, or any of their duly-authorized representatives shall have access to all books, documents,
papers and records maintained by the Subrecipient which directly pertain to the above project for
the purpose of audit, examination, excerpts and transcriptions.
Unless otherwise notified by the City, the Subrecipient shall retain all financial records,
supporting documents and statistical reports related to the project identified under this
Agreement for a period of five (5) years after the termination of all activities funded under this
Agreement. All records subject to litigation, claims, audit findings, negotiations, or other actions
must be retained for five (5) years from the date such action commenced or until completion of
the action and resolution of all issues by the appropriate officials and verified by official written
notice to the Subrecipient, whichever occurs later ..
If the Subrecipient shall receive more than $750,000 in total federal funds in one fiscal year
from the City of Carlsbad and/or any other city or agency, the Subrecipient is required to submit
a Single Audit Report. As required by the Federal Single Audit Act, the Subrecipient shall be
required to submit, to the City, a comprehensive financial audit prepared by an independent,
neutral third-party auditor. The audit shall cover financial operations of the Subrecipient for the
term of this Agreement and is due not later than one year after expiration of the agreement. The
Subrecipient shall also be required to submit a second audit for the following period covered
under the fiscal year beginning July 1, 2017 and ending June 30, 2018 for any funds received in
fiscal year 2017-2018 per this Agreement.
6. PROGRAM REQUIREMENTS
The Subrecipient agrees to comply with the requirements of Title 24 of the Code of Federal
Regulations, Part 570 (the Housing and Urban Development regulations concerning Community
Development Block Grants). The Subrecipient also agrees to adhere to the terms of the City's
CDBG Application and Subrecipient Agreement on file at the Housing and Redevelopment
Department and with assurances and agreements made, by the City to the United States
Department of Housing and Urban Development of which the Subrecipient is given notice.
The Subrecipient shall comply with applicable Uniform Administrative Requirements as
described in 24 CFR Section 570.502, the federal regulations for the CDBG Program; the federal
requirements are set forth, and incorporated by reference herein, as a provision of this
Agreement.
The Subrecipient shall carry out all activities in compliance with all Federal laws and regulations
as described in Subpart K of the CDBG Program Regulations, such as affirmatively furthering
fair housing, labor standards (Davis Bacon Act), displacement, relocation and acquisition, and
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employment and contracting opportunities, except that:
a. The Subrecipient will not assume the City's environmental responsibilities as
described in 24 CFR Section 570.604; and
b. The Subrecipient will not assume the City's responsibility for initiating the review
process required under the provisions of 24 CFR Section 52.
The provisions of Subpart K, of the CDBG Program Regulations, incorporated herein by
reference, are a condition of this Agreement.
The Subrecipient shall comply with all federal regulations related to the use of CDBG funds by
religious organizations, if applicable to this Agreement and the approved project outlined herein.
7. CHANGES IN USE OF FUNDS
Changes in the use of CDBG funds must be approved by the City Council and the U.S.
Department of HUD. If the Subrecipient desires a change in the use of the CDBG funds
following approval of this Agreement, a written request must be submitted to the City for review
by the City Council. No change in use of the CDBG funds will be permitted without prior
written approval of the City Council.
8. NONDISCRIMINATION CLAUSE
The Subrecipient shall comply with all state and federal laws regarding nondiscrimination in the
provision of services and the equal opportunity employment of personnel.
9. SUSPENSION AND TERMINATION OF AGREEMENT
In accordance with 24 CFR Sections 85.43 and 85.44, this Agreement may be suspended or
terminated if the Subrecipient fails to comply with any term(s) of the award. 24 CFR Sections
85.43 and 85.44 are incorporated herein by reference, as provisions of this Agreement.
10. REVERSION OF ASSETS
Upon expiration of the Agreement, the Subrecipient shall transfer to the City any CDBG funds
on hand at the time of expiration and any accounts receivable attributable to the use of CDBG
funds. The Subrecipient shall be required to use any real property under the Subrecipient's
control that was acquired or improved in whole or in part with CDBG funds in excess of $25,000
to either be:
a) Used to meet one of the national objectives in 24 CFR Section 570.208 of the
federal regulations until five ( 5) years after expiration of the Agreement; or,
b) Disposed of in a manner that results in the City being reimbursed in the amount of
the current fair market value of the property less any portion of the value
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CHRl.SBADHtlS '18 DEC 1B
attributable to expenditures of non-CD BG funds for acquisition, or improvement
to, the property. Reimbursement is not required after the period of time specified
in paragraph (a) of this section.
11. HOLD HARMLESS AGREEMENT
The City, its officers, and employees shall not be liable for any claims, liabilities, penalties, fines,
or any damage to goods, or real or personal property of any person whatsoever, nor for personal
injuries or death caused by, or claimed to have been caused by, or resulting from, any intentional
or negligent acts, errors or omission of Subrecipient or Subrecipient's agents, employees, or
representatives arising directly or indirectly out of performance of the project outlined in this
Agreement.
Subrecipient agrees to defend, indemnify, and hold free and harmless the City, its officers,
employees and agents against any of the foregoing liabilities or claims of any kind and any cost
or expenses incurred by the City induding attorneys' fees, on account of any of the foregoing
liabilities, including liabilities or claims arising out of alleged defects in any plans or
specifications for the proje_ct or facility.
12. ASSIGNMENT OF AGREEMENT
The Subrecipient shall not assign this Agreement or any monies due thereunder without the prior
written consent of the City Council.
13. SUCCESSORS OR ASSIGNS
Subject to the provisions of this Subrecipient Agreement Paragraph. 11, "Hold Harmless
Agreement," all terms, conditions, and provisions hereof shall inure to and shall bind each of the
parties hereto, and each of their respective heirs, executors, administrators, successors, and
assigns.
14. INSURANCE
If the Subrecipient shall receive more than $5,000 from the City in CDBG funds and/or other
funds, the Subrecipient shall obtain and maintain policies of Commercial General Liability
insurance and a combined policy of worker's compensation and employers liability insurance in
an insurable amount of not less than one million dollars ($1,000,000) each, unless a lower
amount is approved by the Risk Manager or the City Manager. The insurance will be obtained
from an insurance carrier admitted and authorized to do business in the State of California. The
insurance carrier is required to have a current Best's Key Rating of not less than "A-:VIl" or have
a surplus line insurer which is on the State of California's List of Eligible Surplus Line Insurers
with a current Best's Key Rating of not less than "A:X". The City shall be named as an
additional insured on the Commercial General Liability Policy which shall provide primary
coverage to the City.
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This insurance shall be in force during the term of this Agreement and shall not be canceled or
materially changed without ten (10) days prior written notice to the City sent by certified mail.
The Subrecipient shall furnish certificates of insurance and required endorsements to the Housing
and Neighborhood Services Director before commencement of work.
SUBRECIPIENT: CITY OF CARLSBAD:
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(N~S~en~
By: J.61,~~ (~
(sign here, PRESIDENT) 7
~~~1i;LJ ,hai£~rcu.,,.
CcM Yh0--V\,,lcy 'zi BCcl\oYhl c ~ ve L.of \"'\e; NT
Dated: __________ Pi~a--roe..
Dated: ~-2-t -Zo I~
By: f) ' /J CJlTns
(sign here, CFO)
Dated: 6 -Z g -Z.C'I g
i' A1Jl'EST:
'0oLYYk. ~l(L111,01&0 /;flARBARA ENG ES N
// uty Clerk .
Dated:___,J_,_/~;J~/-'-"d-"-=V'--'--/-'--9 __
(Proper notarial acknowledgment of execution by Subrecipient must be attached.
Chairman, president or vice-president and secretary, assistant secretary, CFO or assistant
treasurer must sign for corporations. Otherwise, the corporation must attach a resolution certified
by the secretary or assistant secretary under corporate seal empowering the officer(s) signing to
bind the corporation.)
APPROVED AS TO FORM:
Celia A. Brewer, City Attorney
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CARLSBAD itlS '18 DEC 18
EXHIBIT "A"
CITY OF CARLSBAD
COMMUNITY DEVELOPMENT BLOCK GRANT PROGRAM
SCOPE OF WORK
Contract Term: July I, 2018 to June 30, 2019
Subrecipient Name: THE BROTHER BENNO FOUNDATION
Address: 3260 Production Avenue, Oceanside, CA 92058
Project Description: Basic needs for low-income and homeless persons
Project Goals & Objectives: (Please Attach Additional Sheets As Necessary.)
l. CDBG funds will be used to fund the following activities in compliance with the project
description outlined and in conformance with the Federal regulations for the CDBG program:
(Please specify if CDBG funds will be used to fund costs associated with stC!fting, rents,
utilities, supplies, etc.)
Funds will be used to assist in paying for utilities and telephone services needed to operate
the Brother Benno Center.
2. Project objectives to be accomplished during the contract period: (Please describe the
specific services or activities to be provided to low/moderate income Carlsbad residents with
the CDBG fonds awarded. {/'applicable, please provide a target objective for the number of
persons/households to benefit from the Subrecipient's services/project.)
Provide congregate feeding six days per week. Provide food packs, clothing, diapers and
blankets for working poor families. Provide a residential recovery program for addicted
individuals. Provide case management, showers, mail service, etc. for guests.
3. Project objectives performance measures:
a. Provide quarterly performance reports to the City of Carlsbad, Housing and
Neighborhood Services Department on the CDBG Quarterly Performance Report fonn as
provided.
b. Maintain records, invoices, and relevant statistics supporting the quarterly reports.
c. Provide a final performance report, including an evaluation report of the program's
success in meeting established goals, to the City of Carlsbad Housing and Neighborhood
Services Department within LO days of termination of the contract date on the CDBG
Annual Performance Report form as provided.
d. Provide notification to the City of any audits or investigations including results, findings,
and/or liens.
CA 8/13/2012
EXHIBIT "'B"
CITY OF CARLSBAD
COMMUNITY DEVELOPMENT BLOCK GRANT PROGRAM
BUDGET
Contract Term: July l, 2018 to June 30, 2019
Subrecipient Name: THE BROTHER BENNO FOUNDATION
Address: 3260 Production A venue, Oceanside, CA 92058
Project Description: Basic needs for lower-income and homeless persons
Cost Breakdown: All funds will be used to assist in paying for utilities and telephone
services for guests at the Brother Benno Center.
CA 8/13/2012
..
CARLSBAD ttiS '18 DEC 18
CCityof
Carlsbad
EXECUTIVE SUMMARY
In addition to your Community Development Block Grant funding application, please complete
the following supplemental questionnaire.
ORGANIZATION:
1. In_ 250 words or less, please describe how your organization will be use the requested
funds.
All funds will be used to supplement nutrition for low-income families in Carlsbad.
The Brother Benno Food Program has two facets: 1. Emergency food boxes, that
contain enough food for a family of four for approximately three days. Boxes contain
staples including canned tuna, vegetables, fruit, peanut butter, cereal, soup, stew,
and dried fruit.
2. Hot breakfasts and sack lunches are provided six days per week. These meals are
served at our Center approximately three miles from Carlsbad.
2. Attach an Excel budget showing the specific line-item breakdown on how you arrived at
the funding request.
Total Program Budget
PROPOSED FOOD BUDGET FOR 2018 -2019
$1,060,000
Costs of providing food to Carlsbad residents
(4% of all guests receiving hot meals, sack lunches,
and food boxes)
Request for Carlsbad contribution
35% of costs
Community & Economic Development Department
$ 42,400
$ 15,000
Hnm;:in~ & N~l~hbnrhnnrl C.,:orulr,:oc 1,nn r::.rlc:h:irf \/ilbno nr;""' I f',:,rl.,h-,,rl r-A a,nno I ,c.n 11:111 ,o,n +
3. Describe how your organization will be able to advance your program if you do not
receive the entire funding request. What is your funding threshold before you can no
longer provide the intended services or supplies you are seeking?
The Brother Benno foundation has recently celebrated its 34th anniversary. Through the
generous donations of our contributors, we have been able to improve service to North San
Diego County's neediest families, seniors, veterans, homeless, and those in recovery seeking to
become a productive member of society.
If we do not receive this grant funding, we will rely on our donors for their continued and
additional support. Some cutbacks in the food programs (or possibly other areas) might be
necessary, but since we are asking for only 6.5% of our total food budget $15,000/$230,000, we
feel confident the c.:utbacks will be minimal.
4. Does your organization charge a fee for accessing your services or supplies? If so, please
describe the rational for this fee.
The Brother Benno Foundation does not charge for any of our services.
No
5. Will the funding of this program with a CDBG grant allow you to receive a matching
grant from another organization? If so, where would those funds come from and how
much would that grant be in dollars?
•
-1 •
_____., BROTH-2 nP 1D•Wr.
ACORD. CERTIFICATE OF LIABILITY INSURANCE I· DATE (Ml,WlllYYYY]
~ 12/13/2018
THIS CERTIFICATE .IS ISSUED M3 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 CONIBACT BElWEEN THE ISSUING INSURER(S), AUTHORIZED
~EPRESENTATIVE OR P~ODUCER, AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder Is an ADDmONAL INSURED, the poncy(les) must have ADDmONAL INSURED provisions or be endorsed.
If SUBROGATION 18 WAIVED, subject to the terms and conditions of the policy, certain policies mey require. an endorsement A statement on
this certificate does not confer rli:ahts to the certificate holder In lleu of such endorsement(s).
PROOUCl!R 619-937-0164 ~ Rancho Mesa Insurance Services
Rancho Mesa Insurance Services ~O. EIII: 619-937-0164 If~ No,,619.931-0168 250 Riverview Partcway 1401
Santee, CA 92071 x~ •. -., .. .,. ..
"""'"'""A. Great American Insurance 16691
MURED Brother Benno Follnclatlon, Inc. ..,.., ,,,.,,, 8 • Great American Alliance Ins Co 26832
3260 Production Avenue -Oceanside, CA 92068 INSlJtn:DC:
lll!IURERD:
JNSURERE:
INSIJRERF:
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POUcY PERIOD
INDICATED. NOTWITHSTANDING AN'f 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 CONDlllONS OF SUCH·POUCIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
TYPE OF INSURANCE
COMMERCIAL GENERAL LIABILITY
ctAJ~ [fil occrn
A AlJTOMOBLI! LIABI.ITY
X AmAUTO
~ONLY ~D
x~ X ffiONLY
A X WiERELLALIAB
B
exCESS LIAB a.AIMS-MADE
DED X RETENTIONS . 10,000
POLICY NUMBER POUCYEFF
X X PAC140027003
AP140027104 08/0912018
UMB140027204
PAC140027003
DeSCRIPTION OF OPl!RATION!I / LOCATlON!I / VEH1CLE!1 (ACORD 101; Addltlonal -!IGhadule, may be -had If~ -l■'raqulrad)
RE: OPERATIONS OF THE NAMED INSURED AS CERTIFICATE HOLDERS INTEREST MAY
PEAR SUBJECT TO POLICY TERM~ CONDITIONS AND EXCLUSIONS .. THE CITY OF
CARLS~'?, ITS OFFICIALS, EMPLOYcES.z.. AND VOLUNTEERS ARE INCLUDED AS
ADDITIONAL INSURED PER FORM CG 89 tO ATTACHED. PRIMARY AND NON-
CONTRIBUTORY WORDING APPLIES. (p) . .
CITYCA7
1,000,000
1,000,000
20,000
1,000,000
2,000,000
2,~,000
. 1,000,000
6,000,000
1M/$2M
SHOULD ,MY OF THE ABOVE DESCRIBED POLICIES BE CANCEIJ.ED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE .WILL BE DELIVERED IN
CITY OF CARLSBAD
1200 CARLSBAD VILLAGE DRIVE
CARLSBAD,,CA 92008.
ACORD 26 (2016/03)
ACCORDANCE WITH THE POLICY PROVISIONS. .
AUlHORIZl!D REPRE!IENTATM!
~
@1988-2016 ACORD CORPORATION. All rights ~erved.
The ACORD name and logo are registered marks of ACORD
GREAT AMERICAN INSURANCE COMPANY * S1 * 08/14/2018 * PAC 1400270 02
C~SPA1D ft4S '18 [{C 18 *D/B* 124435587 0253553
CG 8 9 7 0 (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 8 9 7 0 (Ed. 11 / 1 4) (Page 1 of 12)
* S1 * 08/14/201 8 * PAC 1400270 02 GREAT AMERICAN INSURANCE COMPANY
*D/B* 124435587 0253553
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 1 0
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 1 2
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 tor a charge.
However, the insurance afforded by this provision does not apply if there is available to the Insured
other va lid 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.
8. Non-Owned Watercraft
Under paragraph 2. Exclusions of SECTION I -COVERAGE A -Bodily Injury and Property
Damage Liability, subparagraph (2) of exclusion g. Ai rcraft, 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 6 0 feet long; and
CG 8 9 7 0 (Ed. 11 / 14) (Page 2 of 12)
* S1 * 08/14/2018 * PAC 1400270 02 GREAT AMERICAN INSURANCE COMPANY
*D/8* 124435587 0253553
(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 p~ovided by
this Polley are amended as follows:
The Medical Expense Limit In paragraph 7. of SECTION Ill -LIMITS OF INSURANCE Is replaced by
the following Medical expense Limit: ' ·
The Medical Expense Limit provided, by this Polley 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 II! -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 Li~blllty:
3. The last paragrapb of paragraph 2. Exclusions Is deleted In Its entirety ~nd repl~ced by the
following:
Exclusions c. through n. do not apply to dam1;1ge by fire, llghtnlng, explosion, smoke,
leakage from an au_t6matic fire protection system or wate~ to premises while ~ented to yo1,1
or temporarily· occupied· by you with perml_ssion of the owner. A separate Limit of
Insurance applies to this coverage al:I described· In SECTION Ill -UMIT~ OF INSU~NCE.
However, this ins1,1rance does not apply to d~mage to premises while ren_ted to you, or
temporarily occupied by.you with the permlssldn of the owner, caused by: ·
I. rupture, bursting, or operation of pressure relief devices;
II. rupture or bµrstlng due to expa·nslon or swelling of the contents of any building or
structure, caused by or resulting from water;
iii. explosion of steam boilers, steam pipes, steam englne_s, or steam turbines; or
Iv. flood
2. Pa~agr;aph 6. Under SECTION Ill -Llfl!IITS OF INSURANCE Is deleted In lt_s . e_ntlrety and
replaced with the following:
CG 89 70 (Ed. 11/14) (Page 3 of 12)
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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 prov1s1on 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.
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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.
I. 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 8 9 7 0 (Ed. 11 / 1 4) (Page 5 of 12)
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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 8 9 7 0 (Ed. 11 / 1 4) (Page 6 of 12)
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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.
0. Additional Insured -Manager or Lessor of Premises
1. SECTION II -WHO 15 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 15 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 8 9 7 0 (Ed. 1 1 / 1 4) (Page 7 of 12)
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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 8 9 7 0 (Ed. 1 1 / 1 4) (Page 8 of 12)
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(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 lnsured(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 lnsured(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 8 9 7 0 (Ed. 11 / 1 4) (Page 9 of 12)
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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 Ill -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:
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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 Ill -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 Ill -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 Ill -LIMITS OF INSURANCE.
CG 8 9 7 0 (Ed. 11 / 1 4) (Page 11 of 12)
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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:
~ i • ~ .. ........
1:Y.) 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 f.-l
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 8 9 7 0 (Ed. 11 / 1 4) (Page 12 of 12)