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HomeMy WebLinkAboutWatersmart Software Inc; 2018-08-28; PSA19-508UTILPSA19-508UTIL General Counsel Approved Version 1/30/13 1 AMENDMENT NO. 2 TO EXTEND THE AGREEMENT FOR SOFTWARE SERVICES WATERSMART SOFTWARE, INC. This Amendment No. 2 is entered into and effective as of the ________ day of _______________________________, 2020, extending and amending the agreement dated August 28, 2018, (the “Agreement”) by and between the Carlsbad Municipal Water District, a Public Agency organized under the Municipal Water Act of 1911, and a Subsidiary District of the City of Carlsbad, ("CMWD"), and WaterSmart Software, Inc., a Delaware corporation, (“Contractor") (collectively, the “Parties”) for water engagement platform software services related to customer water use and communications. RECITALS A. On July 30, 2019, the Parties executed Amendment No. 1 to the Agreement; and B. The Parties desire to extend and fund the Agreement for a period of one (1) year. NOW, THEREFORE, in consideration of these recitals and the mutual covenants contained herein, CMWD and Contractor agree as follows: 1. That the Agreement, as may have been amended from time to time, is hereby extended for a period of one (1) year ending on August 27, 2021, on a time and materials basis not-to-exceed fifty thousand five hundred dollars ($50,500). 2. All other provisions of the Agreement, as may have been amended from time to time, will remain in full force and effect. 3. All requisite insurance policies to be maintained by the Contractor pursuant to the Agreement, as may have been amended from time to time, will include coverage for this Amendment. /// /// /// /// /// /// /// /// /// /// DocuSign Envelope ID: E6904A5A-BF1D-416B-B729-E24ED88DFEBC August 11th PSA19-508UTIL General Counsel Approved Version 1/30/13 2 4. The individuals executing this Amendment and the instruments referenced in it on behalf of Contractor each represent and warrant that they have the legal power, right and actual authority to bind Contractor to the terms and conditions of this Amendment. CONTRACTOR WATERSMART SOFTWARE, INC., a Delaware corporation CARLSBAD MUNICIPAL WATER DISTRICT, a Public Agency organized under the Municipal Water Act of 1911, and a Subsidiary District of the City of Carlsbad By: By: (sign here) Geoff Patnoe, Assistant Executive Manager as authorized by the Executive Manager Andrew Jornod, President & CEO (print name/title) ATTEST: By: (sign here) for Barbara Engleson, Secretary Keith Foerster, Treasurer & CFO (print name/title) If required by CMWD, proper notarial acknowledgment of execution by contractor must be attached. If a corporation, Agreement must be signed by one corporate officer from each of the following two groups. Group A Group B Chairman, Secretary, President, or Assistant Secretary, Vice-President CFO or Assistant Treasurer 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, General Counsel By: _____________________________ Assistant General Counsel DocuSign Envelope ID: E6904A5A-BF1D-416B-B729-E24ED88DFEBC See below City of Carlsbad/CMWD are named as Additional Insured as required by written contract, as it relates to General Liability in Accordance with the Terms & Conditions of the policy. VERTEUS 7/23/2020 Bonnie Brunelli Commercial Lines - (972) 737-6200 972.737.6225 610-537-2046 USI Southwest, Inc.bonnie.brunelli@usi.com 5151 Belt Line Rd, Suite 200 Dallas, TX 75254 Travelers Indemnity Co of America 25666 Travelers Property Casualty Co of America 25674 WaterSmart Software, Inc.Standard Fire Insurance Co.19070 20 California St. # 200 San Francisco, CA 94111 15104082 XA ZLP21P44001 1,000,00007/23/2020 07/23/2021 X 300,000 10,000 1,000,000 2,000,000 X 2,000,000 A BA0P761277 07/23/2020 07/23/2021 1,000,000 X X X XB CUP0P960045 07/23/2020 07/23/2021 15,000,000 15,000,000 X 10,000 C UB0P532481 07/23/2020 07/23/2021 1,000,000 N 1,000,000 1,000,000 (This certificate replaces certificate# 15101260 issued on 7/21/2020) City of Carlsbad/CMWD c/o EXIGIS Insurance Compliance Services PO Box 4668 - ECM #35050 New York, NY 10163 COUNTERSIGNED BY: Authorized Representative DATE: 1. NAMED INSURED AND MAILING ADDRESS: VERTEX US HOLDINGS, INC. (AS PER IL T8 00) 501 W PRESIDENT GEORGE BUSH HWY, STE 350 RICHARDSON, TX 75080-1142 SEE IL T0 03 4. COVERAGE PARTS FORMING PART OF THIS POLICY AND INSURING COMPANIES: DELUXE PROPERTY COVERAGE PART DECLARATIONS DX T0 00 11 12 PHX COMMERCIAL GENERAL LIABILITY COV PART DECLARATIONS CG T0 01 11 03 PHX EMPLOYEE BENEFITS LIABILITY COV PART DECLARATIONS CG T0 09 09 93 PHX 5. NUMBERS OF FORMS AND ENDORSEMENTS FORMING A PART OF THIS POLICY: SEE IL T8 01 10 93 6. SUPPLEMENTAL POLICIES: Each of the following is a separate policy containing its complete provisions: Policy Policy No. Insuring Company NAME AND ADDRESS OF AGENT OR BROKER: USI SOUTHWEST INC (RF808) 5151 BELT LINE RD STE 200 DALLAS, TX 75254 IL T0 02 11 89(REV. 09-07) PAGE 1 OF 1 OFFICE: DALLAS 2. POLICY PERIOD From 07/23/20 to 07/23/21 12:01 A.M. Standard Time at your mailing address. 3. LOCATIONS Premises Bldg. Loc. No. No. Occupancy Address TRAVELERS CORP. TEL: 1-800-328-2189 MM: INFO TECH COMMON POLICY DECLARATIONS POLICY NUMBER: ZLP21P44001 Travelers Indemnity Co. of America INSURING COMPANY: COMM RCI L G NERAL IAB LI YEAELIT COMMERCIA GENERA LIA ILITY COVERA E FORMLLBG in thi Re dsa (1)The "bo i y in ur "o "pro e ty da a e idljyrprmg"s th e tre poi y ca e ul yto dee m n ri ht , dut e a d byenilcrfltriegsisn a th t n "a t k s pl ceaea wha s a d s no co e e .i hetinitvrdnt Thro g o t th s poi y th wo ds "y u a d "y ur"re euhuilcero"n o f r (2)The "bo iy in u y o "pro e ty da a edljr"r p r m g " to th Na e Insure sho n i the a d o cur d ri gemddwnncsun t e p l cy pe i d;a dhoiron a y o he pe so o o g nz t o qua i yng a a Na entrrnrraiainlfismd (3)Pri r to th pe i d,no in ure l steoerosdidInureundrthipoiyThewods"we ,"us"a dsdeslc.r "n un e Pa a ra hdrrgp 1.of II –Who Is"o r re e o t e co pa yp o i i g hi i sura ceu"f r t h m n r vdn t s n n .An In ure a d no "e pl y e a t o i esdnmoe"u h r z d The wo d "i sure "m a s a y o ga i a i n by y u torndennrnztoo gi e o ovrf an qu lfyng a such undeaiisr II –Who Is An o kn w tha the "bo i y"r e t d l I sure .i j r "o "pro e ty da a e handnuyrprmg"d i whoe o in If such a li te i surenlr.s d n dOtewods a d phr se tha a p a in quo a i nhrrnastpertto "e pl y e k e ,to themoe"n wmrkhaemaig.Re e toasvennfr V –pe i d th t the "bo i y i j ry oro,a d l n u "rDeiiins.f nt o "pro e ty da a e ,th n a yprmg"e n SE TI N I –CO ERA ECOVGS co ti u t o o re um ti n o suchnnainrspof "bo iy in ur "o "pro e ty da a edljyrprmg"CO ERA E A–B D L IN U Y A D P O E TYVGOIYJRNRPR o a t r th pe i d wi l be de m d torfeeroleeDMAGELAIITAIBLYhaeben no n pri r t h p lcy pe i dvekwooteoiro.1.I su i g A reem nnrnget c."Bo iy i j ry o "pro e ty da a edlnu"r p r m g "a.We wi l pa th se sum tha th i surelyostend duri g th pe i d a d wa no ,n e r o n s tbcoelealolgaetopaadaaeemsglybitdysmgsprirtothepeidknwtohaeoro,o n vbcaseo"bo iy i j ry o "pro e ty da a eeufdlnu"r p r m g "by a y i sure l ste n e a a ra hnndidudrPrgptothsinuraceapis. 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(2)a wri t n o de a d otermnrNooheolgtoolaiiytopasumotrbiainribltysrclifodaaeothe"bo i yamrmgsfdlosevceiunlssrrisseijryo"pro e t a a e ; rnu"r p r y d m g "oeplcilproiefoundr Sup l m n a yxityvddrepeetr (3)Payments.a a e by a y o he m a s thawrntrent "bo iy in ur "o "pro e ty da a e hadljyrprmg"sb.Thi in ura ce a p i s to "bo i y i j ry a dssnpledlnu"n o curre o a t ccurcdrhsoo."pro e ty d m ge o l fpraa"n y i : CG 1 0 02 1T09 Pa e 1 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Various provisions policy restrict Declarations, person or Section special Section caused "occurrence policy Section receive notice "occurrence claim occurred, part or authorized prior policy occurred , change during which which discretion,occurrence Section applicable insurance Coverages perform acts covered policy which occurs policy policy occurred Section receive notice "occurrence claim includes change policy Section receive notice "occurrence Receives verbal because Becomes begun coverage. 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All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. because license activity which contract" occurs contract", necessary because party's Such proceeding consequence capacity actualwhich which contributing influence escape occupied vapor alcoholic beverages. "Bo i yi j ry o "pro e ty d m ge e pe te odlnu"r p r a a "x c d r re so a l f rce t p o e t pe so s o p o e t .a n be o o r t c r n r r p r y of the contract or agreement; or furnishing alcoholic beverages. subse u n to t e e e ut o o t e co t a tqethxcinfhnrc conduct of the insured's business; or because of the injury. alcohol; COMM RCI L G NERAL IAB LI YEAELIT i use to he t co l o to pe f rm th no m lsda,o r r o e r a , th bul i g o by o hy ra l c oeidn,r r d ui r o i i ai g fro e upm n tha isrgntnmqiett fo th o e ai n oreprtof use to he t wa e fo pe so adatrrrnl "m bi e e ui m n "o it pa t , ifolqpetrsrs use by th bui di gs o cup n s oeln'c a t r such fue s, o o h rlrte th i u sts;e r g e o e a i g fl i s e ca e fro aprtnudspm (i )i "Bo iy i j ry o "pro e tydlnu"r p r o the .Thi e ce ti nrmsxpodaaefoyumybemg"r o a do s no a pl if the "bo iy i j ryetpydlnu"hed li b e if y u a e a co tr ct rlal,o r n a o o "pro e ty da a e a i e o t orprmg"r s s u fad the o ne o le se o suchnwrrsef th in e ti n l di cha ge di pe saetnoasr,s r lpreie, sit o l ca i n ha be nmsserotose o r l a e o the fue s, r e e s f ladetoyur a addosn o o h r o e a i g fl i s, o i suchrteprtnudrfadditionalinsuredwith respect to y ur o g i g o e ai ns pe fo m d fu l , o o he oononprtorreesrtrp r t neaig fo th t a dto a i sure a tha fl i s a e bro gh o oradiinlndttudrutnr to the pre i e , sit o l ca i n a d suchmsseroton pre i e , sit o l ca i n wit themsserotoh pre i e , sit o l ca i n is nomsserotot i t nt th t th y be di cha g d,n e a e s r e a d ne e wa o n d o o cupi dnvrswerce di pe se o re e se a pa t osrdrladsrf by o re te o l a e to a y,r n d r o n d ,n th o e a i n be ng pe fo m d byeprtosirre i sure ,o he tha tha a dto andtrntdiinl such in ure ,orsd i sure ;ondr (i ii)"Bo iy i j ry o "pro e tydlnu"r p r (i )i "Bo i y inj ry o "pro e tydlu"r p rdaaeaiigot o he t,m g "r sn u f a da a e sustan d wit i amg"i e h nsmkofuefroa"ho tieoermsmsl bu l i g a d ca se by th re e seidnnudelafie;r "o ga e , fum s o v po s frofsserarm (b)At o fro a y pre i e , sit ormnmsser m te i l bro g t in o th t bul i garasuhtaidn l ca i n whi h i o wa a a y ti eotocsrstnm use by o fo a y i sure o o h rs f rdrrnndrteo pe f r e by y u o o y u e a fromdornorbhl th ha dlng sto a e dispo a,e n i ,r g ,s l bya co tr ct r r subco t a ;onaoonrrr pro e sin r re tm n o w stecsgotaetfa; (i ii)"Bo i y inj ry o "pro e tydlu"r p r(c)If such "pol t n s"a e o we e a a yluatrrrtn da a e a i i g o t o he tmg"r s n u f a ,ti e tra spo t d,ha d e ,sto e ,m n r e n l d r d sm k o fu e fro a "ho tieoermsmsltrae,di po e o ,o aetdssdfrs fi e ; rr"owatebyoo:s r f r (e)At o fro a y pre i e , sit ormnmsser(i)An nsure ;oyidr l ca i n o whi h a y in ure o a yotoncnsdrn(i )i An pe so o o g nz t o foyrnrraiainr o wo k ngrriwhoyu m y be le a lmoagly o o a y i sure 'r n n n dsreposil;s n be be af a e o we e a a y ti ehlrrrtnm (d)At o fro a y pre i e , sit ormnmsser pe fo mng o e a i n to te t fo ,r r i p r t o s s r l ca i n o whi h a y in ure o a yotoncnsdrn m ni o ,cl a up,re o e co t i ,o t r e n m v ,n an co tr ct rs o subco t a r wo kngnaornrosri tr a ,de o i y o ne tr l z , o in a yettxfruaiern o o a y i sure 'srnnnd wa re po d to o a se s thysn,r s s e be a f a e pe fo mng o e a i n if thehlrrriprtos o ,"po l t n s".f l u a t "po l t n s"a e bro gh o o to theluatrutnr (2)An l ss, co t o e p n e a i in o t oyosrxesrsgufpreie, si e o l ca i n i co n ctomsstrotonnein a yn:wi h such o e a i n by such in ure ,t p r to s s d co tr ct r o sub o tr ct r.Ho e e ,n a o r c n a o w v r (a)Re ue t, de a d o de o sta ut ry oqsmn,r r r t o rths subp ra ra h o s n t pp y t :i a g p d e o a l o re ua o y re ui e e t t a a yin uregltrqrmnhtnsd (i)"Bo iy inj ry o "pro e tydlu"r p r o o he s te t fo ,m ni o ,cle n up,r t r s r o t r a da a e a i i g o t o the e ca emg"r sn u f s p r m v , co t i , tre t de o i y oeoenana,t xf r o fue s, o ot eflrhr ne t ai e o in a y wa re po d to ourlz,r n y s n ,r o e a i g fl i s a e ne d dprtnudree a se s t e o ,"pol t n s"; rsshfluato CG 1 0 02 1T09 Pa e 3 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. dehumidify produced electrical mechanical functions necessary which policy lubricants receive lubricants lubricants contractor cto processed ct directly indirectly lubricants which contractors subcontractors directly indirectly effects effects i o n cti n wi h pe ai ns benncneotortoig v hi l pa t de i n d to ho d,sto eecersgelr subcontractor; COMM RCIAL E ERAL IAB LITYEGNLI (b)Cl i o sui by o o be af o a yamrtrnhlfn (b)The o e a i n o a y o the m chi e yprtofnfanr go e nm n a a t o i y o a y o he o e ui m n l ste in Pa avretluhrtrntrrqpetidrgra hp f.2)( pe so o o ga i a i n b ca se o ornrrnztoeufr f.3)(o the de i i i n o "m bi effntofol te ti g fo ,m nt r ng cl a i g up,e ui m n "; rsnroioi,e n n q p e t o re o i g,con ani g,tre t ngmvntinai,(6)d to i yng o ne t ai i g,o i a yexfirurlznrnn (a)Cha t re i h a pio oa y i sure ;r e d wt l t t n n dwarepodig to o a se sin theysnn,r s s g e fe t o ,"po l t n s".f c s f l u a t (b)No w e ya yi sure ;a dtondbnndn g Ai craft u o O at rcra t (c).r ,A t r W e f No ben use to ca r a y pe so otigdrynrnr pro e tyf r p r o a"Bo iy in u y o "pro e t da a e a i i g o tdljr"r p r y m g "r sn u o th o n r hi , m i t na ce use orfewespanen,h Mob l q ip e t.i e E u m n e tr stm nt to o he s o a y "a t "onuetrfnuor "Bo iy in u y o "pro e ty da a e a i i g o tdljr"r p r m g "r s n uwtecrat o n d o o e a e by o re t d oarfwerprtdrner o :flaetoayinure. Use o e a i nondnsdprto (1)The tra spo t t o o "m bie e upm n "n r a i n f o l q i e tad"l a i g r n o dn ".n o dn o u l a i g by a "a t "o ne o o e a e by onuowdrprtdrThieclsinapiseeiftheclamsxuoplevnisretd r l a e o a y i sure ;oneoondtnndraanst a y i sure al g ne l g nce o o h rginndleegierte (2)The use o "m bi e e ui m nt i ,o whi efolqpe"n r lwrogonithsupevsio,hir ngndignerini,i fo , o whie be ngnrrlieplyettriig o m ni o i g o o he s bymomn,an n r o t r n f t r a y spe d,de oi i n,n e m lt otht in ure ,if th whi h ca seasde"c u d o stun i grtn .th "bo i y i j ry o "pro e tyd m ge i v l eedlnu"r p r a a "n ov d th o ne shi ,m i t na ce use oewrpanen,r i.War e t ust e t to o he s o a y "a t "onrmntrfn,u o r "Bo iy in u y o "pro e ty da a e a i i g o tdljr"r p r m g "r s n uwaecratthais o ne o o e a e by otrftwdrprtdr o :fretd r o n d o a yi sure .n e o l a e t n n d (1)Wa ,i cl di g u d cl r d o ci i a ;r n u n n e a e r vl w rThieclsioos no a pl t :s x u n d e t p y o (2)Wa lk by a mlta y fo cerieiirr,(1)A wa e cra t whi e a ho e o pre i e y utrflsrnmsso i hi d ri g o de e dng a an t annenrfnigisnon r e tworn;o e pe t d a t ck by a yrxceta,n (2)A a e cra t y u on t o n ha s:go e n e t so e egn owtrfodowttivrmn,v r i r o he a t o itruhrty usin i i a ype so n l o t e ge t ; ogmltrrnerohransr(a)50 fe t o g o l ss; ndelnrea (3)In urr ct o ,re elo ,re o ut o , usurp dseinblinvline(b)No be n use to ca r a y pe so otigdrynrnr po e ,o ta e by go e n e t lwrrknvrmnaproetyfr ha g ;p r o a c r e a t o i y in hi d ri g o de e d ng a anstuhrtnenrfnigi(3)Pa kn a "a t "o ,o o the wa s ne trignuonrnyx a yo he enfts.to pre i e y u o n o re t,pro i e the,m s s o w r n vd d j.D m g o P o ertyaaeTrp"a t "i no o n d by o re t d o l a euostwernerond to y u r hei sure ;"Pro e ty d m ge toootndpraa": (4)Li bl t a sum d unde a y "i sureaiiysernnd (1)Pro e ty y u o n,re t,o o cup ,p r o w n r c y co tr ct fo he o ne shi ,m i t na ce o i cl di g a y co ts o ena"r t w r p a n e n r n u n n s r x e se i cu repnsnrd byy u,o a yo he pe so ,o g ni aiorntrrnrazto onr e t t ,fo re ar,re l ce e tniyrpipamn,(5)"Bo iy in u y o "pro e ty da a e a i i gdljr"r p r m g "r sn e ha ce e t,re to a i n o m i t na cennmnsrtoranenoto:u f o such pro e t fo a y re so , f p r y r n a n(a)The op ra i n o m chi e y oretofanr pre e ti n o i j ry to a pe so o da a evnofnurnrmgeuimnthtiatchdtoopatqpetastae,r r to a ohe 's p o e t ;n t r r p r yo,a la d v hi l th t wo l qua i y afneceaudlfs (2)Pre i e y u sel ,gi e a a o a a d n ifmssolvwyrbno,"m bi e e u pm n"un e th d fi i i nolqietdreento th "pro e ty da a e a i e o t o a yeprmg"r s s u f no"m bi e e ui m nt i such la dfolqpe"f n pa t o h se pr m se ;r f t o e i sweenosubjct to arte co p l o y o fi a ci l re po si i i ymusrrnnasnblt (3)Pro e tyl a e o y u;p r o n d t o l w,o ohe m t r v hcl in ura ceartrooeiesn (4)Pe so a pro e t i th ca e custo y ornlpryner,d rlw,whe e i is o pri ci a lartrnply co tr l o t e i sure ;n o f h n dgaae; rrgdo Pa e4 o 21gf CG 1 0 02 1T09© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. includes "occurrence practice prearranged racing, prepared for, activity aircraft vehicle includingaction action actual action including licensed An aircraft that is: aircraft, use of aircraft or watercraft; charge. COMM RCI L G NERAL IAB LI YEAELIT (5)Tha pa tcul r pa t o re l pro e t o phy ica in u ytriarfaprynsljr to "y ur o or whi h y u o a y co tr ct rs o "y ur wo k a t r it ha be n putcornnaoror"f e s e to it in e destnd use. o y u be af a e pe f rm n o e ai ns, ifnorhlrroigprto n Rec l O ro u ts W rk r mp i ed.a l f P d c ,o O I a r th "pro e ty da a e a i e o t o tho eeprmg"r s s u f s P o ertyrp o e a i n ; rprtoso Da a e cl i e fo a y l ss, co t o e pe semgsamdrnosrxn (6)Tha pa t o a y pro e t thatrfnpryt i cu re by y u o o h r fo th l ss o usenrdortesreof, m st be re to e , re are o re l ceusrdpidrpad wi hd a a ,,re a rtrwl,p i , b ca se "y ur wo k waeuor"s re l ce e t a j stm nt re o a o di po apamn,d u e ,m v l r s s l o :f (1)"Y u ro uct";o r p dPaarpsrgah(1),(3)a dn (4)o th s e cl si n dofixuo no a py to "pre i e da a e . A se a a etplmssmg"p r t (2)"Y u o k ; rorwr"o l m t o i sura ce a p i s to "pre i e da a eiifnnplemssmg"(3)"Im a re p o e t ";p i d r p r yadecribd in Pa a r pssergah 6.of III – i such wo k o pro e t is f r ,r p r yLiisOnsuracemtfIn. Pa a ra hrgp (2)o hs e cl sio o s no a pl iftixundetpyf pe so o o g nz t o o a k o n ornrraiainfnwrthpreieae"y ur wo k a d we e ne eemssror"n r v r o,,r,re t d r ed fo e t l by y uneohlrrnao.da g ro s co di i n i tneuntoni. Pa a r p srgah (3),(4),(5)a dn (6)o th sfi o P rso a n d erti i g I ju y.e n l A d A v s n n reclsiodonoapltolibltasumdxuntpyaiiyse "Bo iy in u y a i i g o t o "pe so a a ddljr"rs n u f r n l nunesidtrckaremntdraeagee. a v rt si gi j ry .d e i n nu "Pa a ra hrgp (6)o th s e cl sio do s no a plfixunetpy p a a.D tto"pro e ty da a e i cl de in th "pro uct -p r m g "n u d e d s co pe e p ra i n h z r ".m l t d o e t o s a a d Da a e a i i g o t o th lo s o ,lo s o usemgsrsnufesfsf o ,da a e to co ru to o ,i a i i y to a ce s,f m g ,r p i n f n b l t c sk.D m g o Yo r P o u taaeTurdc "Pro e ty da a e to "y ur pr d ct a i i g o tprmg"o o u "r s n u o t o ny p rt o i .f i r a a f t Ho e e , thi e cl si n do s no a p y towvrsxuoetpl l a ii yfo a a e b ca se o "bo iy i j r ".i bl t r d m g s e u f dl nu yl.D m g o Yo r Wo kaaeTur "Pro e ty d "p r q U so i i e o m n ca i n.n l c t d C m u i t oaaetoyur wo k a i i g o t omg"o r "r sn u f i o a ypa t o it a d i cl d di he "pro uct -t r n r f n n u e n t d s "Bo iy in u y o "pro e ty da a e a i i g o tdljr"r p r m g "r s n ucopeeprainhzr".m l t d o e t o s a a d o a y o al g d voa i n o a y l w thafnrleeiltofnat Thi e cl si n do s no a pl if th da a esxuoetpyemgd o pro i i s the se d ng tr n m t i grhbtni,a s i tn wo k o th wo k o t o whi h th da a errerufcemg o dstri ut n fribigo a i e wa pe fo m d o y ur be af by arsssrrenohl r.Acc s O Di co u e O Con id n i l Oesrslsrffetarsubcotrcto.n a r P rso a n o m ti nenlIfraom.D m g o I p i ed P o erty O P o ertyaaeTmarrprrp "Bo iy in u y o "pro e ty da a e a i i g o tdljr"r p r m g "r s n uNt h sic l y In u edoPyaljr o a y a ce s to o di cl sure o a y pe so 'f n c s r s o f n r ns "Pro e ty da a e to "i p i e pro e t "oprmg"m ar d p r y r o o g ni a i n'co f de ti l or pe so arraztosninarnl pro e ty th t ha no be n l in u e ,p r a s t e ly j r d i f rm to .n o ai n a i i go t o:r s n u f s.Asb st seo(1)A in d qu cy or,a e a (1)"Bo iy in u y o "pro e ty da a e a i i gdljr"r p r m g "r s ndagrosin"y ur pro uct oneuod"r o t o th a t a o al g d pre e ce oufeculrleesnr"y ur o k ; rowr"o a t a,al ge o th e t ne di pe sa oculledrraedsrlf(2)A de a o fal r by y u o a y nlyriueornoe a be to , a be to fi e s o pro u tsssssssbrrdcoyurbeaftopefomaonohlrrrcotannabeto, pro i e th t theniigsssvddaaremnticcodncewtttrm.g e e n a r a i h i s e s "bo iy i j ry o "pro e ty da a e idlnu"r p r m g "s Thi e cl si n do s no a pl to the l ss o sesxuoetpyofu ca se o co t i ut d to by the ha a d usudrnrbezro o o h r pro e t a i in o t o sudd n a dftepryrsgufen pro e ti s o sbe to .p r e f a s s CG 1 0 02 1T09 Pa e 5 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. particular incorrectly accidental product" recall inspection Section occupied product,withdrawn because suspected defect deficiency inadequacy Electronic actual restricts "unsolicited communication". physica deficiency condition acting contract subco t a t r wo kn di e t y o i dre tlnrcosrigrclrnicy performed on it. o re al d fro th m rk t o fro use by a yrclemeaermn or inability to manipulate "electronic data". defect, COMM RCIAL E ERAL IAB LITYEGNLI (2)"Bo iy in u y o "pro e ty da a e a i i g e pl y e t-ea edljr"r p r m g "r sn m o m n r l t d de cri esbd in o t o th o al g d pre e ce o Pa a r puferleesnrrgah (a),(b), ro (c)a o e ibvs al ge o th e t ne di pe sa oledrraedsrlf Thi e cl si n a ple whe he th in ure m ysxuopistresda a y soi ,li ui ,ga e us o th r anldqdsoreml be l a l s a e po e r n ny o heibeanmlyroiatr o i cl di g sm k , v po s,r n u n o e a r a d t a y o l ga i n to sha e da a e wit ononbitormgshr so t fu e , , a k l s, a do,m s l ai n re a so e ne e se who m st pa da a epymoluymgs wa te a d th t a e pa t o a y os,n a r r f n r be a se o he "bo i yi j r ".c u f t d l n u y "sui "whi h aso al ge a y "bo i y i j rytcllesndlnu"Ex l si nscuo c.th o gruh n.do no a py to "pre i etplmsso"pro e ty da a e de cri e inrprmg"s b d da a e . A se a a e li i o i sura ce a p i s tomg"p r t m t f n n p l ePaarprgah(1)a o ebv."pre i e da a e a de cri e in Pa a r pmssmg"s s b d r g a h 6.of III –Li i s O nsur n emtfIac.(3)An l ss, co t o e p nse a i in o t oyosrxersguf a yn:CO ERA E B –P RSO A A D AD ERT SI GVGENLNVIN IN U Y L AB L TJRIIIY()a Re ue t, de a d o de o sta ut ry oqsmn,r r r t o r 1.In u in g e m nsrgAreetreuaoyreuieetthaayisuregltrqrmntnnd o o he s te t fo ,m ni o ,cle n up,r t r s r o t r a a.We wi l pa th se sum tha th i surelyostend re o e co t i , tre t de o i y omv,n an a ,t xf r le al o lgae to pa a da a eglybitdysmgs ne t a i e o i a y wa re po d to ourlz,r n n y s n ,r o "pe so a a d a v rt si g in ur "tofrnlndeinjy a se s the e f ct o ,a be to ,s s f e s f s s s th s i sura ce a pl e . We wi l ha e theinnpislv a be to fi e s o pro uct co t i i gsssbrrdsnann ri ht a d du yto de e d t e i sure a anst a ygntfnhndgin a be to ; rssso "sui "se k n th se da a e . Ho e e ,we wilteigomgswvrl ha e no dut to de e d the in ure a an t a yvyfnsdgisn()b Cl i o sui by o o be af o a yamrtrnhlfn "sui "se k n da a e fo "pe so a a dteigmgsrrnlngoenetlatoiyoayohrvrmnauhrtrnteavrtsiginur"to thi i sura ce do sdeinjysnnepesooogaiainornrrnztofnoapyWe m y at o r t p l .a ,u ,te ti g fo ,m nt r ng cl a i g up,s n r o i o i ,e n n i v sti a e a y o fe se a d se te a y clam onegtnfnntlnirreoig,con ani g,tre t ngmvntinai,"sui "th t a e ul .Bu :t a m y r s t tdeoiyngonetaiigoinaytxfirurlzn,r n wa re po di g to o a se sin theysnn,r s s g (1)The a o n we wil pa fo da a e ismutlyrmgs e fe t o ,a be to , a be to fi e s o l m te a de cri e ifcsfssssssbrriidssbdn III –Li i smt pro uct co t i i g a be to .Of I sura ce a ddsnannsssnn;n t.Em l ymen -Rel te ra ti espotadPcc (2)Ou rig t a d dut to de e d e d whe werhnyfnnn ha e use up th li i ovdemtf"Bo iyi j r "todlnuy: i sur n e i the pa m nt o j d m n s onacnyefugetr(1)A e so ri in ut o nyprnasgofa: setl m n s und r Co e a eteetevrgs A or B or(a)Re usa o e po h t e so ;f l t m l yt a p r n x e se un e o e a eepnsdrCvrgC.(b)Te mnai n o tha pe so 'sritoftrn No ohe o l g to o l a ii y to pa sum otrbiainribltysreplyetrmomn;o pe f r o se vce i unl ssromrrisse(c)Em l y e t rea epomn-l t d ,,e pl ci l pro i e fo un e Su pe e t ryxityvddrdrplmnaooisin,such a co rci n,r ms o s e o Pa m nt .y e sdeoin,e au ti n re ssi nm n ,m t o v l a o ,a g e t b.Thi i sura ce a ple to "pe so a a dsnnpisrnlndicipiefalretoprooeosln,i u m t r a v rti i g in ur "ca se by a o fe se a i i gdesnjyudnfnrsnavncehaasmn, hum l a i nda,r s e t i i t o , o t o y u bu i e s but o l i th o f nse wauforsnsnyfefesdicrimnain,li e,sl nd r vo a i nsitoblae,i l to co mt e in th "co e a e te r t r "du i g thmitdevrgrioyrneothpeso's rig t ofernhf poi y p ri d.l c e oofasearet,r l r s dee t o o i p i o m n a pi d t otninrmrsnetpleor 2 Ex l si n.c u o s a tha pe so ,re a dl ss ottrngref Thi i sura ce d e no p l osnnostapyt:whehe such otr,,r a.Kn w n i l t o f i h s f n th roigVoainORgtOAoeoisiniapid o ismsospler co m t e be o e duri g o a t r themitdfr,n r f e "Pe so a a d a v rt sin in ur "ca se by ornlndeigjyudr ti e o t a e so 's e po m nt rmfhtprnmlye;o a th o the i sure wi h thetefndt (2)The spo se chi d pa e t bro h r o sisteu,l ,r n ,t e r r k o l d e th t the wo l voa e the rig tnwegaudilths o tha pe so a a co se u nce o "bo iyftrnsnqefdl o a o h r a d wo l "pe so a a dfntenudrnln i j ry to tha pe so a who a y o thenu"t r n t m n f a v rt si gi j r ".d e i n nu y Pa e6 o 21gf CG 1 0 02 1T09© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. actual actual, irritant practices capacity contaminant, acids chemicals claim because Section becomes because which which discretion Section applicable practice policy act malicious prosecution directed practice policy act occurs, medical acts covered direction act inflict privacy, directed. COMM RCI L G NERAL IAB LI YEAELIT Thi e cl si n do s no a pl to "pe so a a a nst a ci i o asxuoetpyrnlgivlrl e n tv di puttraiese re o u i n pro e di g isltocenn da a e to th s in ura cemgsisnbMateiaulsedWihKnwedeO.r l P b i h t o l g f a pl e a e al ge .p i s r le dFliyast f.B ea h O o tracrcfCnt"Pe so a a d a v rtsin in u y a i i g o t ornlndeigjr"r sn u f o a o wri te pu lca i n i cl di g "Adv rtsinrlrtnbito,n u n e i g i j ry a i i g o t onu"rs n u f a bre ch oaf co tr ctna. th o th i sure wi h kno l d e oefendtwegf g Q a it O erfo m n e f o d –F i u e.u l y r P r a c O G o s a l risfliytast.To Co fo m To S at m n snrteet c.Mate ia u l s ed O s d P i r T o i yrlPbihrUerooPlc "Adv rtsin in ur "a i i g o t o th fal re oeigjyrsnufeiufPrioedgods, pro uct o se v ce to co fo m wi hodsrrisnrt (1)"Pe so a a d a v rt sin nu y a i i g o t a y sta e e t o quarnlndeigijr"r sn u n t m n f lt o pe foiyrrrm n e m deaca o o a o wri t n pu l ca i n i o r "a v rt se efrlrtebito,n y u d e i m nt ." pu l ca i n by ee t o i m a s,o m t ri lbitolcrncenfaea h Wro g D s ri ti n O ric s.n e c p o f P ewhoefist pu l ca i n to k pl ce be o esrbitooafr "Adv rtsin in u y a i i g o t o the wro geigjr"r s n u f nthbginigoteplcypeidreennfhoiro;o de cri t o o the pri e o go ds, pro uct ospinfcfodsr(2)"Ad e t si g i j ry a i i g ou ofvrinnu"r s n t se vce sta e n y ur "a v rt se e t .r i s t d i o d e i m n "i f i ge e t o co y i ht "ti l "o "sl g n"n r n m n f p r g ,t e r o a i.In el ec u l P op rtytltareiyur"a v rt se e t who e fi stnodeimn"s r i f i ge e t i y ur "a v rtse e t wa "Pe so a a d a v rt sinnrnmnnodeimn"s r n l n d e i g in u y a i i g o tjr"r sn u of co m t e be o e the be i nn o the a y o a l g d i fmitdfrgnigfnrleenri ge e t o voanmnrilto oinf poi yp r o .a y o th fo l wi g ri h s o la s, o a ylceidnfelongtrwrno h rte "pe so a a d a v rt si g in ur "al ge i a yrnlndeinjylednndCrimnlAct.i a s cl i o "sui "th t a so al ge a y suchamrtallesn"Pe so a nd a v rtsi g i j ry a i i g o t o arnladeinnu"rs n u f i f i ge e t r i l to :n r n m n o voa i ncriiacomtebyoatheomnlmitdrtf(1)Co y i h ;p r g tthisure.e n d (2)Pa e ttn;e.Co trac u l L ab l tntaiiiy (3)Tra e d e s;d r s"Pe so a a d a v rtsin in ur "fo thernlndeigjyr i sure ha a sum d l a ii y in a ondsseibltr (4)Tra e n m ;d a e a re m nt Thi e cl sio do s no a pl togee.s x u n e t p y (5)Tra e a kdmr;la i i yf r a a e :i bl t o d m g s (6)(1)Tha the i sure o l a e i h a se cetndwudhvntebn (7)Ot e n el ctu l p o e t i h s o a s.h r i t l e a r p r y r g t r l w Thi e cl sio d e no p l osxunostapyt:(2)Be a se o "pe so a in u y a sum d bycufrnljr"s e y u in a o a re m nt th t i aorgeeasn (1)"Ad e t si g i j ry a i i g o t o a yvrinnu"r s n u f n "i sure co tr ct , pro i e th t thendna"vd d a o al g d i fri g m n o vo ai n orleenneetriltof "pe so a in u y i ca se by a o f n ernljr"s u d n f e s a o h r's co y i h ,"ti l "o "sl g n"inteprgtteroan y ur "a v rt se e t ; rodeimn"o th o a re m n . Soe y fo theergeetllr (2)An o h r "pe so a a d a v rt sin in u yyternlndeigjr"pu po e o li bl ty a sum d by y u i arssfaiiseonn al ge in a y cla m o "sui "th t asolednirtal"i sure co t a t , re so a l a t r e s'n d nr c "a n b e t o n y al ge a y such i f i ge e t o voa i nlesnnrnmnriltofesad ne e sa y l t ga i n e pe seencsriitoxns o a oh r'co y i ht "ti l "o "sl g n"ifntesprg,t e r o a nicurebyofoapatyohethn anrdrrrtran y ur "a v rt se e t .o d e i m n "i sure wi l be de m d to be da a endleemgs be a se o "pe so a i j ry , ro i e h t:c u f r n l n u "p vd d t a j.In u ed I ed a n n e ne ypesrsnMiAdItrtT B si e s sunse(a)Li bl t to such pa t fo ,o fo thaiiyryrrre co t o ,th t pa t 'de e se ha asosfarysfnsl "Pe so a a d a v rt si g in ur "ca se by arnlndeinjyudnben a sum d by y u in th sa eeseoem o fe se co m t e by a i sure who efnmitdnnds"i sure o t a t ; ndndcnrc"a bu i e s i :s n s s (b)Su h a t r e s'fe s a d l tg t octonyeniiain (1)Ad e tsi g o pu lshi g;v r i n ,r bi nepeseaefodeeseotht pa txnsrrfnfary CG 1 0 02 1T09 Pa e 7 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. publication direction including which which actual act direction which contract contract contract actual "broadcasting" injury" caused by malicious prosecution. bye e tro i m a s,o a e i l f do e by o tlcncenfmtra,i n r a of the contract or agreement; or co mt e sub e ue t to th e e ut o omitdsqnexcinf Trade secret; or COMM RCIAL E ERAL IAB LITYEGNLI (2)De ig i g o de e m n n con e t o ne tr l zn ,o i a y wa esnnrtriigtnfuaiigrnnyrspo di g onnt, ro we sit s f r ohe s; rbeotro (3)An In e n t se rch,a ce s, co t nt otreacsner o War. se vce p o i e .r i r vd r "Pe so a nd a v rtsi g i j ry a i i g o t o :r n l a d e i n n u "r sn u f Ho e e , thi e cl si n do s no a p y towvrsxuoetpl (1)Pa a ra hrgps a.1)(,(2)a dn (3)o th d fi i i n ffeentoo (2)Wa lk by a mlta y fo ce in l dngrieiirr,c u i"pe so a i j ry .r n l n u "a t o i hi d ri g o de e dng a an t acinnnenrfnigisnFrteprpseohs e cl sio :o h u o s f t i x u n a t a o e pe t d a t ck by a yculrxceta,n (1)Cre t n a d pro uci g co re po de ce go e nm nt so e e gn o oaigndnrsnnvre,v r i r t e a t o i yhruhrt wri t n in the co d ct o y u busin ss,usin i i a ype so n ltenuforegmltrrne o t e ge t ; orohransr bul tns, fi a ci l o a n a re o t , oleinnarnulprsr (3)In urre t o ,re el o ,re outo , usurp dscinblinvlinenesletes a o t y u go ds, pro u ts owtrbuorodcr po e ,o ta e by go e n e t lwrrknvrmnasevcewilnobecosieetherisltndrdathriyihidrngodeedigaanstuotnneirfnngibuiesoulshig;a dsnsfpbinn a yo he enfts. (2)The pl ci g o fra e , bo d rs o l n s, oanfmsrerikr p U so i i e o m n ca i n.n l c t d C m u i t oavrtsin,fo y u o o he s a y he e odeigrortrnwrn "Pe so a a d a v rt sin in u y a i i g o t ornlndeigjr"r sn u fthIntrntwilno,by i sef,be co si e eeeelttlndrd a y o al ge voa i n o a y l w th tnrlediltofnaathbuiesoavrtsig"bro dca ti gesnsfdein,a s n "o pro i i s the se d ng tr n m t i grhbtni,a s i tnopulshig.r b i n o dstri ut n f "un oi i e co m ni ai n".r i b i g o s l ct d m u c t o k.El c ro i h t oo s O u le i B ardetncCarmrBltnos q Acc s O Di co u e O Con id n i l O.e s r s l s r f f e t a r "Pe so a a d a v rtsin in u y a i i g o t ornlndeigjr"r sn u f P rso a n o m ti nenlIfrao a ee tro i cha r o o bule i bo rd thenlcnctomrltna "Pe so a a d a v rt sin in u y a i i g o t ornlndeigjr"r sn u fisurehotsoons, o o e whi h thendsrwrvrc a y a ce s to o di cl sure o a y pe so 'oncsrsofnrnsrisurexrciecoto.n d e e s s n r l o ga i a i n'co fi e ta o pe so arnztosndnilrrnl l.U au h rized U e f n th r's a e OntosOAoeNmr i f rm to .n o ai n P o u trdc r.Asb st seo "Pe so a a d a v rtsin in u y a i i g o t ornlndeigjr"r s n u f (1)"Pe so a a d a v rtsin nu y a i i g o trnlndeigijr"rs n uthunatoieuseoaohe's na e oeuhrzdfntrmr o the o al ge pre e ce ofrledsnrprouctinyur -a l a d e s, o an n m odoemidrsdmiaer al ge r hre t n d i pe sa o a be to ,l e d o t a e e ds r l f s s smtaa,o a y o he siml r ta ti s to msl aetgrntriaccied a be to fi e s o pro u ts co t i i gsssbrrdcnannaohrsptntaustoes.n t e 'o e i l c m r a be to , pro i e th t th "pe so a a dsssvddaernln m.P l u i nolto a v rt sin in ur "i ca se o co tr bu edeigjysudrnitd to by t e h z rd us pro e ti s o sbe to .h a a o p r e f a s s"Pe so a a d a v rtsin in u y a i i g o t ornlndeigjr"r sn u f (2)"Pe so a a d a v rtsin nu y a i i g o trnlndeigijr"rs n uthalgeotheteedichag,e l e d r r a n d s r e o the o al ge pre e ce ofrledsnrdipesa,se pa e m gra i n,re e se osrleg,i t o l a r al ge o th e t ne di pe sa o a y soi ,l e d r r a e d s r l f n ldecaeo"po l t n s"a ny t m .s p f l u a t t a i e l q i ,ga e us o th rm l ir i a t oiudsoreartnrnPluinReltd.o l t o -a e co ta i a t i cl di g sm k ,v po s,n mn n ,n u n o e a r An o s, x e se a i in ut o nyylsepnrsgofa:so t fu e , ak l s, a do,m s l ai n wa te a d th t a e pa t o a y os,n a r r f n r(1)Re ue t, de a d o de o sta ut ry oqsmn,r r r t o r "sui "whi h aso a l ge a y "pe so a a dtcllesnrnlnreuaoyreureettht a y in ure ogltrqimnansdr a v rt sin in u y de cri e i Pa a r phdeigjr"s b d n r g aohrtet fo ,m nt r up re o etessroio,,m v ,(1)a o ebv.co ta n tre t de o i y o ne t ai e o inni,a ,t xf r u r l z ,r (3)An l ss, co t o e p n e a i in o t oyosrxesrsgufanywayrespondto,or assess the effects o ,"pol t n s"; r a yfluaton: (2)Cl i o sui by o o be af o a yamrtrnhlfn (a)Re ue t, de a d o de o sta ut ry oqsmn,r r r t o r re ua o y re ui e e t tha a y i suregltrqrmntnndgovernmentalauthorityoranyother person o o g nz ti n o te ti g fo ,o o he s te t fo ,mrraiaofsnrrtrsro i o ,cle n up,n t r a m ni o i g,up, re o i g re o e co t i , tre t de ootrnmvn,m v ,n an a,t xfy oir co ta nn ,tre t ng de o i yng or ne t ai e o i a y wa re poniigai,t xf i u r l z ,r n n y s nd to o,r Pa e8 o 21gf CG 1 0 02 1T09© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. action action actual, actual restricts actual actual, actual actual, cost or clean because cleaning acids, chemicals claim assessing the effects of, "pollutants". War, including undeclared or civil war; COMM RCI L G NERAL IAB LI YEAELIT a se s the e f ct o ,a be to ,s s f e s f s s s (3)o y u pe ai ns;f o r o r t o a be to fi e s o pro uct co t i i gsssbrrdsnann pro i e ha:vd d t tabeto; rssso (a)The ta e pl ce in th "co e a eksaevrg()b Cl i o sui by o o be af o a yamrtrnhlfn te r t r "a d uri g t ep l cype i drioyndnhoiro;go e n e t l a t o i y o a y o h rvrmnauhrtrnte (b)The e pe se a e i cu re a d re o t d toxnsrnrdnprepesooogaiainornrrnztofus wit i o e y a o the da e o thehnnerftftetigfo,m nt r ng cl a i g up,s n r o i o i ,e n n nadreoig,con ani g tre t ngmvntin,ai , deo i yng o ne t ai i g o in a ytxfirurlzn,r n (c)The in ur d pe so subm t to e a i a i njernisxmnto, wa re po di g to o a se sin theysnn,r s s g e fe t o ,a be to , a be to fi e s o a o t n s we re so a lfcsfssssssbrrsfeaanby re ui eqr. pro uct co t i i g a be to .d s n ann s s s b.We wi l m k th se pa m nt olaeeyesf s.Em l ymen -Rel t d P act c spotaerie fa l .The e pa m nt wi l no e ce d theutsyesltxe a pl ca l li i o i sura ce We wi l papibemtfnn.l y"Pe so a nur "tornlijy:re so a l x e se f r:a n b ee p n s o(1)A e so ri in ut o nyprnasgofa:(1)F rst ad a mni te e a the ti e o aiidisrdtmfn(a)Re u a o e po ha p rso ;f s l t m l yt t e n (b)Te mnai n o tha pe so 'sritoftrn (2),X-ra a dyneplyetrmomn;o de t l se vce , n a r i s (c)Em l y e t rea epomn-l t d ,, a t o o i si n,such a co rci n,c r ms o s e o (3)ho pi a ,s t ldeoin,e au ti n re ssi n e tmtovlao,a g m n ,pro e si n l nu si g a d un r l se vce .f s o a r n n f e a r i sdicipiefalretoprooeorsln,iu m t 2.Ex l si ncuosavncehaasmn, hum l a i nda,r s e t i i t o , We wi l n t a e pe se fo "bo i y i j r ":l o p y x n s r dl nu ydicrimnain,li e,sl nd r vo a i nsitoblae,i l to o th pe so 's rig t ofernhf ,a.An I su edynr o fa se a re t,r l r s dee t o o i p i o m n a pi d t otninrmrsnetpleor b H red P rso.i e nathapeso,re a d e s ottrngrlsf whehe such otr,,r To a pe so hi e to do wo k fo o o be af ornrdrrrnhlf o i si n i a pi d o ismsospler a yi sure r t na t f nyi sure .n n d o a e n o a n d co m t e be o e duri g o a t r themitdfr,n r f e c.In u y O N rma l O c p ed P em s sjrnolycuirietieotaeso's e po m nt rmfhtprnmlye;o To a pe so in u e o th t pa t o pre i ernjrdnarfmss(2)The spo se chi d pa e t bro h r o sisteu,l ,r n ,t e r r y u o n o re t tha th pe so no m l yowrnternralotht pe so a a co se u nce ofarnsnqef "pe so a i j ry to th t pe so a whornlnu"a r n t m d Wo ke s'Co p n a i n An i il r L w.r r m e s t o d S m a a sayotheeplyetreaenfmomn-l t d To a pe so ,whe he o no a "e pl y e orntrrtnmoe"fdecrieinPaarahsbdrgp(a),(b), or (c) a y i sure ,i be e i s f r t e "bo i y i j r "a enndfnftohdlnuyraboveisdirected. pa a l o m st be pro i e und r a wo k r 'y be r u vd d e r e sThieclsin a pl e w ehe th in ure m ysxuopishtresda co p nsa i n o di a i i y be e i s la o ametorsbltnftwrbelalsaepoer n ny oheibeanmlyroiatr si i a a .m l r l wadtayolgain to sha e da a e wi h ononbitormgstr e.Ath et c c i iti slisAtverepaysomeoneelsewhomust pay damages o he "pe so a nj ry .f t r n l i u "To a pe so i j re whi ernnudl CO ERA E CVG o pa t ci ai g i a y phy ica e e ci e orriptnnnslxrssr–MED CAL P YMEN SIAT ga e , po t , o a he i co te ts.m s s r s r t l tc n s1.In u in g e m nsrgAreet f.P o u ts-Co p e ed O era i n a ardrdcmltptosHza.We wil pa m d ca e pe se alyeilxnss In l d d wi hi the "pro uct -co pe ecuetndsmltdbeoo"bo iy i j r "ca se b n cci e tlwfrdlnuyudyaadn: o e a i n h z r ".p r to s a a d(1)On p e i e y u o n r e trmssoworn; g Co erag x l s o s.v e A E c u i n(2)On wa s ne t to pre i e y u o n o re tyxmssowrn; or u d r o e a eneCvrgA. CG 1 0 02 1T09 Pa e 9 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Because accident because practice policy privacy malicious prosecution directed practice policy act occurs, accident; regardless accident; Necessary medical,surgical including prosthetic devices; and Necessary ambulance, practices capacity because described occupies. practicing,instructing Excluded a o r e pe se by phy i i ntuxn,sca s o o r hocefuci To any insured, except "volunteer workers". COMM RCIAL E ERAL IAB LITYEGNLI SU P EMEN ARY P YMEN SPLTAT a sum d by th in ure in th sa e "i sureseesdemnd co tr ct ;n a "1.We wi l pa ,wi h to a y cl i welytnam d.The a l ga i ns i th "sui "a d t e i f r a i nletonetnhnomtoivstgaeosetl,o a y "sui "a anst n i sureneitrterntgiand we k o a o t th "o cur e ce o o f n e a enwbuecrn"r f e s rwedfeden: such th t no co flct a p a s to e i t be we naniperxstea.A l e pe se we i curlxnsn.th i t re ts o the i sure a d the i t re ts oenesfndnnesf th i de nt eenmie;b.Up to $2 50 fo th co t o bal bo ds re ure,0 r e s f i n q i d b ca se o a ci e ts o tra f c l w voa i neufcdnrfiailtos e.The in e n t e a d the i sure a k us todmiennds a i i g o t o the use o a y torsnuffn a d co t o th de e se o thannrlefnft th Bo iy Inj ry Li b l t Co e a e a pi s. Weedluaiiyvrgple i d m i e a an t such "sui "a d a re thanentegistnget dono h v t h se bo ds.t a e o t e n we ca a si n th sa e co n e to de e d thnsgemuslfne i sure nd th i d m i e ; ndndaenenteac.The co t o bo ds to ata hm n s, butsfntcet f.The i d m i e :n e n t e o i sura ce We do no ha e to furn sh th sefnn.t v i e (1)Ag e s i w i i g orenrtnt: bo d .n s (a)Co p r t wi h us in th in e ti a i n,o e a e t e v s g to d.Al re so a l e pe se by thelanbexns se t e e t o d fe se o h "sui ";t l m n r e n f t e t i sure a o r re ue t to a sist us in thendtuqss (b)Im e i t l se d us co i s o a ymdaeynpefnivstgain o de e se o th cl i o "sui ",n e i t o r f n f e am r t d m nd , no i e , sum o se o e aeastcsmnsrlglicldiglssoernns up to $5 0 anunofaig0 pa e s re ev d in wi h theprciet "sui ";t e.Al co rt co ts ta e a a nst th i sure in thelusxdgiend (c)No i y an o h r insure who etfyters "sui ".Ho e e , th se pa m nt do notwvreyest co e a e i a a l be to th i de n t evrgsvialenmie; a t rne s'fe s o a t rn y 'e pe se ta etoyertoesxnsxd a dn a anst h i sure .g i t e n d (d)Co p r t wi h us wi h tooeaett f.Pre u g e t i t re t a a d d a anst the co rdi a i g o he a pl cajdmnneswregiontntrpibe i sura celnn i sure o tha pa t o th j d m n we pa .If a a l bl o tndntrfeugetyviaethe i de nt e nnmie;a d we m k a o f r to pa the a pl ca l li i oaenfeypibemtf (2)Pro i e u w t ri t n ut o i a i n tovdssihwteahrzto: i sura ce we wil no pa a y pre u g e tnn,l t y n j d m n (a)Ob an a d o h r i f r a i ntintenomtoiteet ba e o tha pe i d o ti e a t r thenrssdntrofmfe rea e t h "sui "; ndltdotetaofe.f r (b)g.Al i t re t o the fu l a o n o a y ju g e tlnesnlmutfndmn i d m i e n uch "sui ".n e nt e i s ttht a t r e tr o th j d m n a dafenyfeugetn So lo g a th a o e co dt o s a e m t a t r e s'n s e b v n i i n r e,t o n ybfoewehaepad,o f r d to pa ,oervifeeyr fe s by us in th de e se o thaeefnftdeoitd in co rt th pa t o th ju g e t thapseuerfedmnt i de nt e ne e sa y l t ga i n e pe senmie,c s r i i t o x n siwtihaplcallmtonuracesihntepibeiifisn. byus a d ne e sa y l t g ti n e p nse byncsriiaoxesTheepamns wil no the lm ts osyetltiif th i d m i e a o r re u st wi l be pa d aenentetuqelis.Su pe e t ry Pa m n s. No wi h ta dn theplmnayetttsnig2.If we de e d a i sure a anst a "sui "a d afnnndgitnn pro i i n o Pa a ra hvsosfrgp 2..2)b (of I –i d m i e o the in ure i aso na e a anentefsdslmds Co e a e –Co e a evrgsvrg A –Bo i y Inj ry Andludtothe"sui ", we wi l de e d tha i d m i e if al otlfntnentelf Pro e ty Da a e Li bi i y o Pa a ra hprmgaltrrgp 2..e of th f l o i g e ol w n I –Co e a e –Co e a evrgsvrg B –Pe so arnl An Adv rt sin Inj ry Li bi i y such pa m nt wi ldeigualt,y e s la.The "sui "a anst the i d m i e se ktginentees no be de m d to be da a e fo "bo iy i j ry ,t e e m g s r dl n u "da a e fo the in ure ha a sum dmgsrsdsse "pro e ty da a e o "pe so a in u y ,a d wi l noprmg"r r n l j r "n l tthlaiiyothidmieinaoeibltfenenter re u e t e l m ts o n ura cedchiifisn.a re m ntgee b.Thi i sura ce a pl e t uch la i i y a sum dsnnpisosibltse Ou o l g t o to de e d a in ure 'in e n t erbiainfnnsdsdmie by t e i sure ;h n d a d to pa fo a t rne s'fe s a dnyrtoyen l t g ti n e pe se a Sup l m n a y Pa m n siiaoxnsspeetryetc.The o lga i n to de e d o the co t o thbitofn,r s f e e ds wh nne:de e se o ,tha i d m i e , ha aso be nfnftnentesle Pa e10 o 21gf CG 1 0 02 1T09© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. respect vehicle which furnish release incurred actual conduct connection include accrues reduce insurance party which contract that is an "insured contract"; respect records incurred incurred incurred Section Section necessary itonlyfor bond amounts the applicable limwithin day because of time off from work. Co du t a d co t o th de e se o t encnnrlefnfh conditions are met: COMM RCI L G NERAL IAB LI YEAELIT a.We ha e use up the a plca l l m t o wo k rs"whi e pe fo m ng duvdpibeiifrelrriti se in th pa m nt o j d m n s,rea e to the co d ct oeyefugetltdnuf y uro se t e e t o m dca x e se ; r bu i e s;t l m n s r e i l e p n s o s n s (b)To th spo se chi d pa e t,bro he oeu,l ,r n t r rb.The co dt o s se fo t a o e o the te m oniintrhbv,r r s f si te o tha co "e pl y e osrft-m o e "rthareeiaarahegemnnPrgpf.a o ebv, "v l n e r wo k r"a a co se u nceouteresnqeaenogee.r o l n r m t o a a r pfPrgah(1)a)(a o ebv;SE TI N I –WH S AN I SU EDCOIOINR (c)F r whi h th re i a y o l ga i n toocesnbito1.If y u re d si n t d n thoaegaeie sha e da a e wi h o re a so e nermgstrpymoa.An in i i ua,y u a d y u spo se a edvdlonorur ese who m st pa da a e be a seluymgscuisures, but o l wit to thendnyh o the in ur de cri e in Pa a ra hfjysbdrgpousinssooretesoeonr.f a b e f y u a h l w e (1)a)(or (b)a o e rbv;ob.A pa tn rshi o jo n v nure y u a e arepritet,o r n (d)Ari i g o t o hi o he pro i i g osnufsrrvdnrisure.Y ur m m e s, y u pa t e s, a dndoebrorrnrn fa l ng to pro i e pro e sio a he l hiivdfsnlatthisposeaeasoinures, bu o l wi herusrlsdtnyt ca e se vce .r r i s Unl ss y u a e in th busin ss oeoreerc.A li i e l a ii y co pa y y u a e a i sure .mt d i bl t m n ,o r n n d o cup ti n o pro i i g pro e sio a he l hcaofvdnfsnlatYummesaeasoisures, bu o l wi horebrrlndtnyt ca e se vce , Pa a ra hrrisrgps (1)a)(,(b),(c)to th o y ur busin ss. Y uefoeor a dn (d)a o e do no a pl to "bo i yi j r "b v t p y d l n u ymnaes a e i sure s, but o l wi h tagrrndnyto a i i g o t o pro i i g o fa l n to pro i ersnufvdnriigvdthiuisayur a a e s.e r d te s o m n g r fi st ad o "Go d Sa a i a se vce "byriromrtnris d.An o ga i a i n o he th n a pa t e shi ,j i trnztotrarnrpon a y o y ur "e pl y e "o "v l n e rnfomoesroute v nt r o l m te l a i i y co p ny y u a e aeueriidibltma,o r n wo k rs", o h r tha a e po e oretennmlydr v l n e r Any such "e pl y e "ooutemoesr a e in ure s, but o l wi h to th irsdnyter "v l n e r wo k rs"pro i i g o fa l ng toouterevdnrii d ti s a y ur o . Y uuesoror pro i e fi st ad o "Go d Sa a i avdriromrtn st ck od r a e aso i sure s, but o l wi hohlesrlndnyt se vce "du i g ther wo k ho rs fo y urisrniruro wi l be de m d to be wi hi theleetn sco e o the r e pl y e t by y u opfimomnore.A tr st, y u a e a in ure .Y u tru te s a euornsdorser pe f r i g dut e rea e to the co d ct oromnisltdnufasoinures, but o l wit to th ilsdnyher y ur usin ss.o b edtis a t u te s.u e s r s e (2)"Pro e ty d m ge to pr p rt :p r a a "o e y2.f he fo l wi g i aso a i sure :o t l o n s l n n d (a)Own d,r se yeoudb;a.Y ur "v l n e r wo k rs"o l whi e pe fo mngoouterenylrri (b)Re t d to in the custo y one,,d rduis re ae to the o y ur busin ss,t e l t d f o e co tr l o ,o o e whi h phy icanofrvrcsloyu"e pl y e ", o h r th n et e y urormoesteaihror co tr l i b i g e e ci e fo a ynosenxrsdrn pu po e b ;r s yohrthaapateshi,j i t v n u e o l m t dtenrnrponetrriie l a ii yco p ny o y u a a e s (i o re aibltma)r o r m n g r f y u a y u,a y o y u "e pl y e ","v l n e ronformoesoute l m te l a i i y co pa y ,but o l foiidibltmn)n y r wo k rs", a y pa t e o m m e i o rerenrnrrebr(f y u a wi hi the o the r e po m n by y u otnfimlyetor a pa t e shi o jo n v n u e ,o a yrnrpritetr)r n whi e pe f rm n du i s re a e to the co d ctlroigteltdnu m m e (i y u a e a li i e l a i i yebrformtdiblt o y ur busin ss. Ho e e ,no e o th sefoewvrnfe co pa y .m n ) "e pl y e "o "v l n e r wo k rs"a emoesrouterer b.An pe so (o he tha y ur "e pl y e oyrntrnomoe"risurdfr:n e s o "v l n e r wo k r"),o a y o g nz t o ,whieouterernraiainl (1)"Bo iyi j r "o "pe so a nur ":dl nu y r r n l i j y a t n s y u e l e ta e m na e .c i g a o r r a s t a g r (a)To y u,to y u pa t e s o e be s (ioorrnrrmmrf c.An pe so o o g n z to ha i g pro eyrnrraiainvnpryu a e a pa t e shi o j i t v n u e ,o r r n r p r on e t r )te po a y custo y o y ur pro e ty if y u di ,m r r d f o p r o etoyummes(if y u a e a li i eorebrormtd bu nl :t o ylaiiycopn),to a co "e pl y eibltmay-m o e "(1)Wit to li b l t a i i g o t o thehaiiyrsnufwhieinthohiohelefsrrmitnaceoseotarprt;a danenrufhtpoeyneplyetopefomngdutemomnrrriis re a e to the o y ultdfor (2)Untl y u l ga re r se t tv ha be niorelpenaiese bu i e s, o to y u o h r "v l n e r a po n e .sn s r o r t e ou t e p i t d CG 1 0 02 1T09 Pa e11 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. insurance t described Declarations as: respect conduct which respect conduct respect respect officers directors respect Each conduct acts scope doctor. acting occupied care course conduct respect respect to the conduct of your business. i sure .Y u "e e u i e o fi e s"a d di e t rsndorxctvfcrnrco respect to their liability as stockholders. "e e u i e o f ce s"(i y u a e a o ga i a i nxctvfirfornrnzto COMM RCIAL E ERAL IAB LITYEGNLI d.Y u l g l re re e t t v if y u di , but o loreapsnaieoeny b.Ari e o t o th o n r hi , m i te a ce ossufewespannnr wi h to duti s as such. Tha use o t a a t o ny pre i etetfhtprfamss l a e o y u.e s d t o re re e ta i e wi l ha e al y u rig t a dpsntvlvlorhsn The i sura ce pro i e to such pre i e o ne ,n n vd d m s s w rduis un e hi Co e a e Pa ttedrtsvrgr.m na e o l sso i to the fo l wngagrrersloi e.An pe so o o ga i a i n tha , wi h y u pro i io s:y r n r r nz t o t t o r vs n e pre s o im le co se t,e t e use o isxsrpidnnihrsr a.The l mts o i sura ce pro i e to suchiifnnvddreposibefotheuseoawaecratthtyusnlrftrfaopreieone,m na e o le so wi l be themsswragrrsrldonoontht s:t w a i m nm m l mt th t y u gre d o p o i e i heiiuiisaoaetrvdnt (1)50 fe t o g r e s; a d wri t n o a r e e t,o the lelnolsntergemnri i smt sho n i he ra i ns, hi e a e l ss.w n t to w v r r e(2)No be ng use to ca ry a y pe so otidrnrnr pro e tyf r .p r o a b.The in ura ce pro i e to such pre i esnvddmss o ne ,m na e r e so o s no a pl t :w r a g r o l s r d e t p y o3.An o g n z to y u ne l o fo m o h ryraiainowyrr,t e th n a pa t e shi ,jo n v nt r o l m t d l a i i yarnrpiteueriieiblt (1)An "bo i y in u y o "pro e ty da a eydljr"r p r m g " co p ny a d o y u a e t e soe o n r o i th t o cur , o "pema,n f o r h l w e r n a c s r rso a a d a v rti inlndesng y u m i t i a o ne shi in e e t o m r i j ry ca se byoanannwrptrsfoenu"u d a o fe se tha infnts th n 50 , wi l qu l fy a a Na e nsure f t e e i co mt e , ft r oa%l ai s m d I d i h r s m i t d a e y u to be t na t naeni no o h r sim l r in ura ce a a l bl to tha th t re i e ; rteiasnviaetapmsso o ga i a i n o e e :r n z t o .H w v r (2)St u tu a ate ai ns, ne orcrllrtowr a.Co e a e und r thi pro i i n i a f rde o l de oi i n o e a ivrgesvsosfodnymltoprto s pe fo m dnrre by o orn un i th 180t da a t r y u o fo m th be af o such p e i e otlehyfeorrehlfrmsswn r,m na e reagro o ga i a i n o the e d o the pe i d,l sso .r n z t o r n f r o e r 5.An pe so o o g n z to th t is a e ui m ntyrnrraiainanqpe b.Co e a evrg A do s no a pl to "bo iy in u y o l sso nd t a o a eetpydljr"r e r a h t y u h v gr e i w i t n coaednartentr cta "pro e ty da a e th t be o e y u o a re m nt to in l dprmg"a f r o r g e e c u e a a a dt o asndiinl i sure ondn i e r f rm d he o ga i a i n nd th s Co e a e Pa t is aurdooetrnzto;a i v r g r n i sure ,bundt o l wi hnyt re pe t to l a i i y fo "bo i y i j ry ,"pro e tyscibltrdlnu"p rc.Co e a evrg B do s no a py to "pe so a a detplrnln da a e , r "pe so a nd a v rt si g i j ry th t:m g "o r n l a d e i n nu "aavrtsinijryaiigot o a o f n edeignu"r s n u f n f e s co m t e be o e y u a q i e o fo m d themitdfrocurdrre a.Is "bo i y i j ry o "pro e ty da a e th tdlnu"r p r m g "a o ga i a i n o cur , o i "pe so a a d a v rt si g in u yrnzto.c s r s r n l n d e i n j r " ca se by a o fe se tha is co m t e ,u d n f n t m i t dFrthpupoeoPaarpoerssfrgah1.o Se t ofcin II –subse u nt to the si nng o tha co tr ct oqegiftnarWhoIsAnInure, e ch such o ga i a i n wi l besdarnztol a re m nt a dgee;ndemd o b e ig ae n t eeetedsntdih b.Is ca se , in whoe o i pa t,by y u a ts oudlrnrorcra.An o g nz t o ,o he tha a pa t e shi , jo nraiaintrnrnrpit o i si n in the m i t n nce o e a i n o usemsosanea,p r t o rvntrr i i e i bi i y co pa y reueolmtdlaltmn;o o e upm n l a e to y u by such e u p e tfqietesdoqimn l sso .e rb.A rust;t The in ura ce pro i e t such qup e t l sso ssnvddoeimneriaeinitnaeothedoumntthastdsmrcestsubjcttotefolwigpoiin:e h l o n r vso sgoenis str ct revrtuu. a.The l mts o i sura ce pro i e to suchiifnnvdd4.An pe so o o g n z to th t i a pre i eyrnrraiainasmss e ui m n e so wl e t em nm m l m t t aqpetlsrilbhiiuiishtone,m n g r o l sso a d th t y u ha e a re dwraaerernaovge y u a r e to pro i e i the wri te co tr ct oogedvdntnnariawritn co t a t o a re m nt to i cl d a antenrcrgeenuesn a re m nt o the li i s sho n i thgee,r mt w n eadiinlinureothsCoeaePatis adtoasdnivrgrn De l ra i ns, hi h v r a el ss.ca to w c e e r eisure,but o l wit re pe t to li bl t fo "bo iyndnyhscaiiyrdl b.The i sura ce pro i e to such e u p e tnnvddqimnijry,"pro e ty da a e o "pe so a a dnu"p r m g "r r n l n l sso do s no a pl to a y "bo i y i j ry oeretpyndlnu"ravrtsinnur"th t:d e i g i j y a "pro e ty da a e th t o curs, o "pe so aprmg"a c r r n l a.Is "bo i y i j ry o "pro e ty da a e th t a d a v rtsin in ur "cadlnu"r p r m g "a n d e i g j y u e by a o fe sesdnfn th t i co m t e ,a t r the e ui m nt l a easmitdfeqpeesoccurs, or is "personal and advertising injury" e pi e .x r scasebyaofesethais co m t e ,u d n f n t m i t d subse u nt to the si n ng o tha co tr ct oqegiftnar No pe so o o ga i a i n is a in urernrrnztonsd a re m nt a dgee;n th co du t o a y curre t o pa t pa t e shi ,jo nencfnnrsrnrpit Pa e12 o 21gf CG 1 0 02 1T09© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. respect charge acquire which which acquire policy whichever is earlier; occurred acq subject contract Decla che cease construction indica Declarations as: with respect to COMM RCI L G NERAL IAB LI YEAELIT a.The a o n sho n fo th Da a e Tomutwremg a Na e In ure in the ra i n .Thi pa a ra h Pre i e Re tmdsdatossrgpmssne To Y u Li i i thdomtne do s no a pl to a y such pa t e shi ,jo n v nt re o De raetpynrnrpiteurto s o hi Co e a e Painftsvrgrt o;r l m te l a i i y co pa y tha o h rwi e quai i s a aiidibltmntteslfesn b.$3 0 0 0 if no a o nt i sho n fo the0,0 m u s w r Da a e To Pre i e Re t d To Y u Li i imgmssneomtn SE TI N I I –L MIT F I S RAN ECOIISONUC 7.Su j ct to Pa a r pbergah 5.a o e the M dcabv,e i l1.The Li i s o Insura ce sho n i thmtfnwne Ex e se Li i i th m st we wil pa und rpnmtseolyead th rul s be o fi the m st we wi l paneelwxoly Co e a evrg C fo a l m di e p nse be a se orlexescufrgadesohenubef:e r l s f t m r o "bo iyi j r "su tan d y a yo e p rso .dl nu y s i e b n n e na.In ure s;s d The Li i s o Insura ce o thi Co e a e Pa t a plmtfnfsvrgrpy b.Cl i s m de o "sui s"bro gh ;oamartutr se a ae y to e ch co se ut v a n a pe i d a d to a yprtlancienulronn re ani g pe i d o l ss th n 12 m nt s, sta t n wi hminrofeaohrigtc.Pe so s o o ga i a i n m k ng ornrrnztosair th be i n n o the po i y pe i d sho n i theegnigflcrownbrigng"sui s".n i t De ra i ns, une s the poi y pe i d is e t nd d a t rtolslcroxeefe2.The Ge e a Agg e a e Lmt m st e wi l p ynrlrgtiiiowla i sua ce fo a a di i n l pe i d o le s th n 12snrndtoarofsafohesumo:r t f m nt s. In th t ca e th a d t o a pe i d wi l beohas,e d i i n l r o l a.M di a x e se un e o e a eeclepnsdrCvrgC;de m d pa t o h l st re i g e i d o urp se oeerfteapnprofrposf de e mn ng th L m ts o nsura cetriieiifIn.b.Da a e unde Co e a emgsrvrg A, e ce t da a expmgs o "bo iy i j ry o "pro e ty da a efdlnu"r p r m g "SE TI N I –CO MERCIAL G N RAL L AB L TYCOVMEEIII i cl d d in th "pro uct -co pe e o e ai nsnueedsmltdprto CO D TI NNIOS ha a d ; ndzr"a 1.B n ru tcyakp c.Da a e u d r Co e a emgsnevrgB.Ba k up cy o i so v ncy o th i sure o o thnrtrnlefendrfe3.The Pro u ts-Co pl t d Ope a i ns Aggr g tedcmeertoea i sure 'e ta e wi l no re i v us o o r o lga i nndsstltleefubitos Li i i th m st we wi l pa un e Co e a emtseolydrvrg A for un e hi Co e a ePa tdrtsvrgr. da a e o "bo iy in u y a d "pro e tymgsfdljr"n p r 2.D ti sIn T e vent O cc rren e O f n e,u e h E f O u c ,f e sdaaeicldeithe"pro uct -co p eemg"n u d n d s m l t d Cla m r S iiOutoeainhzrd.p r t o s a a " a.Y u m st se to i th t we a e no i i d a so nouetartfeso4.Su j ct to Pa a r pbergah 2.a o e th Pe so a Andbv,e r n l a pra a l o a o a o f n esbefn"r n f e sAdetsigInuyLiiis the m st we wi l pavrinjrmtoly whi h m y re ul i a cla m To the e t ncastni.x e tuneCoeaedrvrgBfothesumoaldaaerflmgsposil,sho lsbeudbeaseoal"pe so a i j ry a d "a v rt sincuflrnlnu"n d e i g (1)Ho , whe a d whe e the e ce ownnrrn"rijrysustand y a y o e pe so r r a i a i nnu"i e b n n r n o o g n z to . o fe se t o l cefnokpa;5.Su j ct to Pa a r pbergah 2.or 3.a o ebv, (2)The na e a d a dr sse o a y in ur dmsndesfnjeaple, the Occurr n e Li i i th m st wepisecmtseo pe so s a d i n sse ; ndrnnwtesawilpyfohesumo:l a r t f (3)The na ur a d l cai n o a y i j ry otenotofnnura.Da a e u d r Co e a emgsnevrgA; nda da a e a i i g o t o th e ce omgrsnufern"rb.M di a x e se un e o e a eeclepnsdrCvrgC;o fe sefn. be a se o al "bo i yi j ry a d "pro e ty da a ecufldlnu"n p r m g "b.If a cl i i m de o "sui "i bro g t a anstamsartsuhgiaiigotoayoe"o cur e ce .r s n u f n n c r n "a yi sure ,y u u t:n n d o m s F r the pur o e o de e mni g the a pl ca lopssftrinpibe (1)Im e i t l re d th o themdaeyefEah Occurr n e Li i ,al re a e ocecmtlltdr cl i r "sui "a d he da e r ce v d ndamotntteie;aoisincomteiproiigofalngtomsosmitdnvdnrii (2)No i y us a so n a pr ct ca l .t f s o s a i b eproiefist a d o "Go d Sa a i a se vce "tovdriromrtnris a y o e pe so wi l be de m d to be o ennrnleen Y u m st se to i tha e r cev ri t n o u e t t w e i e w t e "o cur e ce .c r n "o h cl i o "sui "a so n afteamrtsos 6.Su j ct to Pa a r pbergah 5.a o e th Da a e Tobv,e m g c.Y u a d nyo he n ov d n ure m st:o n a t r i v l e i s d u Pre i e Re t d To Y u Li i i the m st we wilmssneomtsol (1)Im e i t l se d us co i s o a ymdaeynpefnpaundr Co e a eyevrg A fo da a e ormgsf de a d , , sum o se o le amnsmnsrgl"pre i e da a e to a y o e pre i e .Themssmg"n n ms s pa e s re v d in co ne n wit thprenheDaaeToPreieRetdToYuLiiwlemgmssneomtilb:cl i r "sui ";am o t CG 1 0 02 1T09 Pa e13 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Decl Declarations claims s the because cla cal cla ced because whichever Each acts because ctic "occurrence notice include: "occur "occur cor specifics notice practicable. notices cei ctio v nt r o l m t d l a i i y co pa ytha is no sho n aeueriieibltmnttws the Declarations of this Coverage Part. insured under Section II – Who Is An Insured. COMM RCIAL E ERAL IAB LITYEGNLI (2)Au h ri e us to o ta n a d o h rtozbinte (i ii)An o f ce o ofirrf i f rm to ;a y oh r r a i a i n rnoainnteognzto;o (3)Co p r t wi h us i th in e ti a i n ooeaetnevsgtor (v)i A ruste f ny t u t;t e o a r s se t e e t o the cl i o de e se a ansttlmnfamrfngi th t is y u pa t e ,jo n v n u eaorrnritetrth"sui "; ndeta m m e ,m na e o ru te ; rebragrrtseo (4)Assi t us, upo o r re ue t,i thesnuqsn (b)An e po e a t o i e by suchymlyeuhrzdefoceetoayrihaant a ynrmnfngtgisn pa t e shi ,j i t v n ure li i ernrponet,mt dpesooogaiainmybelalrnrrnztoaibelaiiycopnytrust or ot eibltma,h rtothisureoinuyodaaeendfjrrmgogaiaintogieoarnztovfntowhch hi i sura ce m ya so a p yitsnnalpl.o o fe se"r f n . d.No in ure wi l e ce t a th t in ure 's o nsdl,x p t a s d w (3)to us o such ofrcot, v l nt ri y m k a pa m n ,a sum a ysoualaeyetsen o fe se wi l be de m d to be gi e a so nfnleevnsoolgtinoayepeseohr tha fobiao,r n x n ,t e n r a pra ti a l i it is gi e i go d fath asccbefvnnoisfist i ,wi h u o r r ad t o t u so n a pra ti a l to y u wo k r 'o s c c b e o r r e s co p nsa i n in ure .Thi a pi s o l ifmetosrsplenye.The fol wi g pro i io s a py to Pa a ra hlonvsnplrgp a. y u subse ue tl gi e no i e to us o theoqnyvtcfaoebuolfopuroeothinuracebv,t ny r p s s f e s n "o cur e ce o o fe se a so n acrn"r f n s o sproieunetiCoeaePat o y u o a yvdddrhsvrgrtorn pra tca l a t r a y o th pe so scibefenfernisurelsteiPaarpndidnrgah1.or 2.o Se ti nfco II de cri e in Pa a ra hsbdrgp e.1()or (2)a o ebv–Who I A nsure :s n I d di co e s tha th "o cur e ce o o fe sesvrtecrn"r f n(1)No i e to us o such otcfr m y re ul in sum to whi h the in ura ceastscsn o fe se m st be gi e a so n afnuvnsos pro i e un e ths Co e a e Pa t m yvdddrivrgra pra l o l a t r th e ce obenyfeern"r a pl .p y o fe se is k o n to y u (i y u a e afnnwoforn Ho e e , i thi po i y i cl de a e do se e twvrfslcnusnnrmnidvdul,a y o y u pa tn rs orniia)n f o r r e th t pro i e li i e co e a e fo "bo iy i j ryavdsmtdvrgrdlnu"m m e s who i a in i i u l (if y u a e aebrsndvdaor o "pro e ty da a e o pol ti n co ts a i i grprmg"r l u o s r s npateshiojonvnure,a y o y urnrpritet)n f o r o t o a di cha ge ree se o e ca e oufsr,l a r s p fmnaes who is a in i i u l (i y u a e aagrndvdafor "po l t n s"whi h co t i s a re ui e e t thaluatcnanqrmntlmtelibltycopn),a y o y uiidaiimaynfor th di cha ge re e se o e ca e o "pol t n s"e s r ,l a r s p f l ua t"e e u i e o f ce s"o (i y u a exctvfirrfor m st be re o te to us wi hn a spe i i n m euprdticfcubraognztoohrthaapateshi,n r a i ai n t e n r n r p o da s a t r i s a ru t co m n e e t,thsfyfetbpmecmnijitvntreoliielaiiycopay,o n e u ,r mt d i bl t m n )Pa a r prgah e.do s n t a fe t t a e u re e t.e o f c h t r q i m nayoyur tr ste s who is a i d vdu l (ifnfouenniia 3.L g l c i n Ag i s seaAtoantUyu a e a trust) o a y "e pl y eorrnmoe" No pe so o o g nz t o ha a ri h und r thsrnrraiainsgteiatoiebyyu to gi e no i e o auhrzdovtcfn Co e a e P rtvrga:"o cur e ce o o fe secrn"r f n . a.To jo n us a a pa t o o h r i e bri g us i tisryrtewsnno(2)If y u a e a pa t e shi ,jo n v nureorrnrpitet,a"sui "a ki g o d m ge f o n n ure ;otsnfraasrmaisdrlmtelibltycopayotrut,a d no eiidaiimnrsnn b.To sue us o th s Co e a e Pa t unl ss al onivrgrelfoyurpates, jo n v nt r m m e s,f o r n r i t e u e e b r i s t rm ha e be n ul co pi d i htesveflymlewt.m na e s o t u te s a ei di i u l , o i eagrrrsernvdasntc to us o such "o cur e ce o o f nse m stfcrn"r f e u A pe so o o ga i a i n m y sue us to re o e ornrrnztoacvrn be gi e a so n a pra ti a l o l a t rvnsosccbenyfe a a r e se t e e t o o a fi a ju g e t a anstngedtlmnrnnldmngi th "o cur e ce o o fe se i k o n yecrn"r f n s n w b :a in ure ;but we wil no be li be fo da a ensdltalrmgs th t a e no pa a l und r th te m o thsartybeeersfi(a)An nd vdu l w o i :yi i i a h s Co e a e Pa t o tha a e i e ce s o thevrgrrtrnxsf (i)A pa t e o m m e o a yrnrrebrfn a pl ca l l m t o in ura ce An a r e se tl m npibeiifsn.g e d t e e t pa t e shi r on e t r ;r n r p o j i t v n u e m a s a se tl m n a d ee seo i bl t ig e yenteetnrlaflaiiysndb us, the i sure ,a d the cl i a t o th clam n 'n d n am n r e i a ts(i )i A m na e o a y l mte l a i i yagrfniidiblt l ga e r se ta i eelrpentv.co p nyma; Pa e14 o 21gf CG 1 0 02 1T09© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. records which because executive director notice "occurrence Notice "occurrence" incur consent. ctica "occur directors "occurrence" COMM RCI L G NERAL IAB LI YEAELIT 4.O h r n u an e (iteIsrci)Tha i in ura ce fo "pre i etssnrmss da a e ;m g "If v l d a d col cti l o h r i sura ce is a a l bl oainlebetennviaet (i )i i If th lo s a i e o t o theesrssufthisurefoaloswecoeundeCoeaeendrsvrrvrgsA m i t na ce o use o arcra tanenrfif,or B o th s Co e a e Pa t o r o l g t o s a efivrgr,u bi a i n r "a t s"o wae cra t to the e t ntuortrfxelmteadecrieiaarahiidssbdnPrgpsa.a dn b.be o .l w no subj ct to a y e cl sio i thstenxunniAs use a y he e in th s Co e a e Pa t o h rdnwrivrgr,t e Co e a e Pa t th t a pl e tovrgrapisisuracemasinuraceothfunigonnensn,r e d n f arcra t "a t s"o w t rcra tif,u o r a e f ;l sse , ha s p o i e y hr u ho o b haf o :o s t t i r vd d b ,t o g r n e l f (i )v Tha is in ura ce a al bl to atsnviae(i)An t e i sura ce co pa yohrnnmn;pre i e ow e ,m na e ormssnragr (i )i Us o n f ur ff l a e n ura ce co pa i s,r a yo o a i i t d i s n m ne l sso th t qua i i s a a in ureeralfesnsd e ce t whe th No cum l to oxpnenuainf un e Pa a ra hdrrgp 4.of II – Occurr n e Li i pro i io o Pa a ra hecmtvsnfrgp 5.of Who Is An Insure ,e ce t whedxpn III –Li i s Of Insura ce o th Nomtnren Pa a r prgah d.beo pp i s; rlwaleo cum l ti n o Pe so a a d Adv rt sin In uruaofrnlneigjy (v)Tha is i sura ce a al b e to atnnvialnLiiproiiooPaarahmtvsnfrgp4.of III –e ui m n l sso th t qua i i s aqpeteralfesLiisoInuraceapis thmtfsnplee a in ure unde Pa a r pnsdrrgah 5.ofAmnmn–No Cum l to Of e d e t n ua i n II –Who Is An Insure ,dOccurrneLiiOf Li bi i y And Noecmtaltn e ce t whe Pa a ra hxpnrgp d.be olwCumltoOf Pe so a A d Ad e t si g Inj ryuainrnlnvrinu a pl e .p i sLiiedoseetiicldenthmtnrmnsnudii;(b)An o the o h r i sura ce whe heyftenn,t r(i ii)An i k e e ti n gro p;oyrsrtnour pri a y e ce s, co tn e t o o a ymr,x s n i g n r n n o h r ba is, tha i a al bl to thtestsviaee(iv)Any self-insurance method or program,in i sure whe the i sure is andnndnwhich case the insured will be deemed to be th p o i e f o h r i sura ce a di i n l i sure , o is a y oervdrotenn.d t o a n d r n th re i sure tha do s no qu lfy a andtetaisOteinuracedosnoinldumrelhrsnetcueblanaeisure,un e such o h rmdnddrteisuraceoecesinuracethtwabogtnn,r x s s n ,a s u h i sura cenn.spe i i a l to a py in e ce s o th Li i s ocfclyplxsfemtf (2)Whe ths i sura ce i e ce s, we wilninnsxslInuraceshon in the o th ssnwfi ha e no dut und r Co e a evyevrgs A or B toCoeaePrtvrga. de e d th i sure a anst a y "sui "i a yfnendgintfnAs use a y he e in th s Pa t o h rdnwrir,t e oh r in ure ha a du y to de e d thetesrstfnisuremasaproieoohrinuraceAsnrenvdrftesn.i sure a a n t tha "sui ". If no o h rndgisttteuseinPaarahdrgpc.beo ,in ure m a s alwsren i sure de e d , we wi l un e t k t o sonrfnsldraeod,pro i e f n ura cevdroisn.bu we wi l b nt te t h i sure 'ri h stleeildotendsgt a anst l h se o h r nsur r .g i al t o t e i e sa.P i ary I su an ermnrc (3)Whe thi in ura ce i e ce s o e o h rnssnsxsvrteThiinsuraceis pri a y whesnmrn i sura ce we wi l pa o l o r sha e o thenn,l y n y u r fPaarprgahb.beo a pl e . If th s i sura ce ilwpisinns a o nt o the lo s, i a y th t e ce d themufsfn,a x e spriayor o l g ti n a e no a f cte un e smr,u bi a o s r t f e d l s sum o :fayothohrisuraceis a so pri a ynfetennlmr. (a)The to a a o nt tha al such o h rtlmutlteThe,we wil sha e wi h a l t a ohe n ura cenlrtlhttrisn i sur n e wo l pa fo th lo s i thnacudyresnebytemthd e cri e n Pa a r pheodsbdirgahc.beo ,l w a se ce o hi i sura ce nbnftsnn;a decet h n a a ra hxpwePrgpd.beo pp i s.l w a l e (b)The to a o a l a d seftlflnl-b Ex e s I s ran e.c s n u c i sure a o nt unde al th t o h rndmusrlate (1)Thi i sura ce i e ce s o e :s n n s x s v r i sur n enac. (4)We wi l sha e the re an ng l ss, if a ylrmiion,()a An o the o he in ura ce whe heyftrsn,t r wi h a y o he in ura ce th t i notntrsnastpriayeces, co t n e t o o a ymr,x s n i g n r n n de cri e in thi Ex e s Insura cesbdscsnohrbsi:t e a s pro i i n a d wa no bo g t spe i i al tvsonstuhcfclyo()i Tha is Fi e Ex e d d Co e a etr,t n e v r g ,a pl i e ce s o the Li i s o In ura cepynxsfmtfsnBule'Ri k In tal to Risk oidrss,s l a i n r sho n i th r t o s o thi Cov r gwneainfseae Pa tr. CG 1 0 02 1T09 Pa e15 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Each Section Section because Each s policy Section Section except deductible Declasimilar coverage for "your work"; Declarations Coverage COMM RCIAL E ERAL IAB LITYEGNLI c.Meth d O h rin a.o f S a g The stae e t in th a etmnser a cura ea d co p e ectnmlt;If a l o the o he i sura ce pe m t co t i ut olftrnnrisnrbin by e u l sha e , w i l fo l w t i m t o l oqarsewllohsehdas.b.Tho e sta e e ts a e ba e upostmnrsdn Und r th s e ch in ure co t i ut s re re e t ti n y ueiasrnrbepsnaoso a e to us; nmdad e ua a o n s unt l it ha pad it a pl ca lqlmutisispibe c.We ha e i sue ths poi y i re i n e up nvsdilcnlaco l m t o in ura ce o no e o th l ss re ans,i i f s n r n f e o m i y ur e re e ta i ns.o r p s n t o The uni te ti n l o i sio o ,o uni t n i na e ronnoamsnfrnetolrr If a y o th o h r i sura ce do s no pe mtnfetennetri i ,a y i f rm ti n pro i e by y u whi h we re i dnnnoaovddocle co tr bu i n by e u l sha e , we wi l co t i utnitoqarslnrbe up n i issui g ths po i y wil no preu i e y uonnilcltjdcor by lm t . Und r th s m t o ,e ch i sure 'siiseiehdanr ri ht unde th s in ura ce Ho e e ,thi pro i i ngsrisn.w v r s vs o sha e is ba e o the ra i o i s a pi a l i irsdntoftplcbelmt do s no a f ct o r ri h to col ct a di i n letfeugtledtoaoinuracetothtoaaplcalliisofsnetlpibemtfpreimotoeecieor rig t o ca cel to omurxrsuhsfnlainr i sura ce o l nsure s.n n f al i r no re e a i cco d nce w t pp i a l n ura cennwlnaraihalcbeisn d P i a y And No -Co trib t ry In u an e If.r m r n n u o s r c l ws o e ul t o s.a r r g a i n Req i ed B Wri te o tracurytnCnt 7.Se arat o f n u edpinOIsrs If y u spe i i al a re i a wri t n co t a t oocfclygentenrcr Ex e t wi h re pe t to the Li i s o In ura ce a dcptscmtfsn,n a re m nt tha the i sura ce a fo d d to ageetnnfren a y ri h s o du i s a sig e i thsngtrtesndni i sure un e hi Co e a e Pa t m st p l nnddrtsvrgruapyo Co e a e Pa t to the fi st Na e Insure ,thsvrgrrmddi a pri a y ba i , o a pri a y a d no -m r ss r m r n n i sura cea pl e :n n p i s co tr bu o y ba is, ths i sura ce is pri a y tonitrsinnmr a.As i e ch Na e In ure we e the o lfamdsdrnyohrinuracetht i a al bl otesnasviaet Na e n ure ; ndmdIsdawhih o e s such n ure a a n m di sure ,c c v r i s d s a e n d b.Se a a ey to e ch in ure a an t who cl iprtlasdgismamad we wil no sha e wi h th t o h r in ura cenltrtatesn, i m d o "sui "i b o g tsaertsruh.pro i e ha :vd d t t 8.Tra sfe O i h s O e o ery Ag i s t ersnrfRgtfRcvantOh(1)The "bo iy i j ry o "pro e ty da a e fodlnu"r p r m g "r To Uswhihcoeaeisoghocur; ndcvrgsutcsa If the i sure ha ri h s to re o e al o pa t o a yndsgtcvrlrrfn(2)The "pe so a a d a v rt sin i j ry fornlndeignu"r pa m n we ha e m d unde thi Co e a e Pa tyetvaersvrgr,whi h co e a e is so gh i ca se by acvrgutsudn th se ri ht a e tra sfe re t us. he i sure ustogsrnrdoTndmofesetaicomte;f n h t s m i t d do no hng a te l ss to i p i th m At o r re u st,t i f r o m ar e .u q esubseunttothesinngothacotrctoqegiftnarthisurewilbrig"sui "o tra sfe tho e ri h sendlntrnrsgtaremntbyyugeeo.to us a d h l s e f rce t e .n ep u n o h m5.P e i m Au irmudt 9.Wh n We D N t en weooRea.We wi l co p t al p e i m f r h s Co e a elmuelrmusotivrg If we d ci e n t o r n w hs Co e a e P rt e wi ledoteetivrga,w lPaticcodncewtur u e a d a e .r n a r a i h o r l s n r t s m i o dei e to th fi st Na e In ure sho n inalrlvrermdsdwb.Pre i m sho n in th s Co e a e Pa t amuwivrgrs th De l ra i n wri te no i e o the no r n waecatostntcfneel a v nce pre i m i a de o i pr m um o l .Adamuspsteinyt no l ss th n 0 da s be o e t e e pi a i n da etea3yfrhxrtot. th clo e o e ch a dt pe i d we wi l co p tesfauirolmue If no i e is m ie ,pro f o m i i g wi l be suffi i ntcaldofalnlcetthernd pre i m fo th t pe i d a d se deaemuraronn pro f f o i eoontc.noi e t th fi st Na e I sure .The du da etcoermdndet SE TI N V –D F N T O SCOEIIINfoadiadreropetiepeimitedtrutntscvrmusshae 1."shown as the due date on the bill.If the sum of Ad e t se e t"m a s a no i e th t s br a ca t ovrimnentcaiodsr pu l she to the ge e a pub i o spe i i m rbidnrllcrcfcatheadvanceandaudit premiums paid for the k te poi y pe i d is gre te tha the e rn dlcroarnae se m nt a o t y ur go ds, pro u ts o ser i egesbuoodcrvcs fo th purp se o a t a g custo e s oreoftrmrrpremium,we will return the excess to the first Na e nsure .supp rt r . o h p r o e o hi de i i i nmdIdoesFrteupssftsfnto: c.The fi st Na e In ure m st k e re o d ormdsduepcrsf a.No i e th t a e publ she i cl de m t r atcsaridnuaeil th in o m t o we ne d fo pre i m pl ce o the Int rn t o oefrainermuadneern siml r ia co p t ti n a d se d us co i s a such t m smuao,n n p e t i e m a s o co m ni a i n;a denfmucton a we m yre u st.s a q e b.Re a di g we sit s, o l tha pa t o a we si egrnbenytrfbt 6.Rep es n ati nretos th t is a o t y u go d , pro u ts o se vceabuorosdcrris fo th pur o e o a t a custo e s orepssftrmrrBytigtiplcyogre:p n hs oi ,y u a e supp rt r i co si e e a a v rtse e toessndrdndeimn. Pa e16 o 21gf CG 1 0 02 1T09© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. approach specifically ctin cting electronic acce whichever comes first. Declarations such insured COMM RCI L G NERAL IAB LI YEAELIT 2."Ad e t si g i j ry :v r i n n u "b.In by o wit a y o he ee o i m a s o,r h n t r l n c e n f co m n ca i n such a th In e n t,if thamuito,s e t r e ta.M a s in ur ca se by o e o m re o theenjyudnrof m te i l i p r f:a r a s a t ofolwigofese:l o n f n s (1)Ra i o te e i i n pro r m i g be ngdorlvsogamni(1)Ora o writ e a i n incl di glrtnto,u n tr n mt e ;a s i t dpulcain by ee o i m a s, o m t ri lbitolncenfaea i y ur "a v rtse e t th t sla d rs onodeimn"a n e r (2)Ot e en e tan e t e uca i n lhrtrimn,d t o a ,l b l a pe son or or a i a i n oriesrgnzto i structi n l m si o ne s pro r m i gnoa,u c r w g a m ndipaaeapeso'o o ga i a i nssrgsrnsrrnzto'ben ra sm t e ;oigtnitdrgods, pro u ts o se vce , pro i e thaodcrrisvddt th cla m i m d o he "sui "i b o g t byeisaerttsruh (3)Ad e tsi g tra sm t e wi h a y o suchvrinnitdtnf a pe so o o g ni ai n h t cl i s to ha ernrraztotaamv pro ra m n .g m i g be n sla d re o li ee ,o tha cla m toenedrbldrtis 6."Co e a e t rri o y m a s:v r g e t r "e nhaehaitgods, pro uct o se vcevdsodsrris di pa a e ;s r g d a.The Uni e Sta e o Am ri a (i cl di g i stdtsfecnunt te r t r e a d po se si ns), Pue t Ri o a drioisnssorocn(2)Ora o writ e pub i i n incl di glrtnlo,u n Ca a and;pu l ca i n by ee i m a s, o m t r abitolncenfaeil i o r "a v rtse e t th t:n y u d e i m n "a b.In e na i na wa e s o arspa e but o l if thetrtoltrric,ny (a)Ap ro ri t s a pe so 'na e v i eppaernsm,oc ,i j ry o da a e o curs in th co rse o tra enurmgceufvl ph t gr p r i e e s; oooaholknsr o tra spo t to be w e a y pl ce in l d drnraintennascue i Pa a r pnrgah a.a o e rbv;o(b)Unre so a l pl ce a pe so in aanbyasrn fa se l gh ; rlito c.Al o h r pa t o th wo l if th i j ry oltersferdenur da a e a i e o t o :m g r s s u f(3)In r ng m nt o co y i ht "ti l "o "sl g n"f i e e f p r g ,t e r o a i y u "a v rtse e t , pro i e tha thnordeimn"v d d t e (1)Go ds o pro uct m d o so d by y u inordsaerlo cl i i m d o th "sui "i bro gh by aamsaeretsut th te ri o y de cri e i Pa a r pertrsbdnrgah a. pe so o o ga i a i n tha cla mrnrrnztotis a o ebv; o ne shi o such co y i ht "ti l "owrpfprg,t e r (2)The a ti i i s o a pe so who e ho e i icvtefrnsmsn"sl g n .o a "th te ri o y de cri e i Pa a r pertrsbdnrgah a.b.In l d s "bo i y in ur "ca se by o e o m rcuedljyudnroe a o e but i a a fo a sho t ti e o y urbv,s w y r r m n ootheofnedecribd in Pa a ra hffesssergp a.bu i e s; rsnsoaoebv.(3)"Pe so a a d a v rt sin i j ry o fe sernlndeignu"f n s3."Au o m a s:t "e n th t ta e pl ce th o g th In e ne oakaruhetrtr a.A l nd m t r v h cl ,tra l r o se i r i eaooeieiermtalr si i a l ct o i m a s o o m n ca i nmlreerncenfcmuito; de i n d fo tra e o pubi ro ds, i cl di gsgervlnlcanun pro i e the insure 're po siblty to pavdddssniiyayatcheahieyoqupmn; rntadmcnrreieto da a e is de e m n d in a "sui "o th m r t imgstrietneeisn b.An o he la d v hcl th t is sub e t to aytrneieajc th te ri o y de cri e i Pa a r pertrsbdnrgah a.a o e o ibv,r n a co p l o y o fi a ci l re po si ii y la ,omusrrnnasnbltwr sete e t we a re otlmnget. o h r m to v hi l i sura ce l w,whe e i iteorecennarts 7."El ct o i da a m a s in o m t o , fa t oernct"e n f r a i n c s rlceser ri ci al a a e .i n d o p n p l y g r g d pro ra s sto e a o o ,cre te o use o , ogmrdsrnadrdnrHoee,"a t "do s no in l d "m bi ewvruoetcueol tr n mt e to o fro co pu e so tw r (i cl d ngasitdrmmtrfaenuieuimn".q p e t sy te s a d a p i a i ns so tw r )ha d o fl p ysmnplctofae,r r o p 4."Bo iyi j r "m a s:dl nu y e n di ks, CD-ROM , ta e , dri e , cel s, da asspsvslt pro e sin de i e o a y o h r m di a ecsgvcsrnteeara.Ph si a ha m i cl di g si kn ss o di e seyclr,n u n c e r s a , use i h ee o i al co t o l d e ui m n .d wt l nc l y n r l e q p e tsustand ya pe so ;oiebrnr b.M nt l a g i h, i j ry o i l e s, o e o i n leanusnurlnsrmtoa 8."Em l y e i cl de a "l a e wo k r"."Em l y epoe"n u s e s d r e po e " di tre s, re ul i g a a y ti e fro suchssstntnmm do s n t i cl d "te po a ywo k r .e o n u e a m r r r e " ph si a h rm i e s o di e seycla,s s r s a .9."Ex cut v o f ce "m a s a pe so ho di g a y oeiefirenrnlnnf5."Bro dca ti g m a s tra sm ttn a y a do oasn"e n n i i g n u i r th o fi e po ito s cre te by y u cha t r,e f c r s i n a d o r r e vsua ae i l fo ny p r o eilmtraraups:co sti u i n by a s o a y o h r sim l r go e nngntto,l w r n t e i a v r i do um n .c e ta.By ra i o ee i io ;odortlvsnr CG 1 0 02 1T09 Pa e17 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. public ctr ctr cat ctro ckn which ctr COMM RCIAL E ERAL IAB LITYEGNLI 10."Go d Sa a i a se vce "m a s a y e e g n y tr ck , ro db domrtnrisennmrecasaes, tu n l und r a sne,e p s or m di a se vce fo whi h no co p n a i n is cro sin ;e c l r i s r c m e s t o s g de a d d r e ev dmneorcie.(2)Tha i d m i i s a a chi e g ne r otnenfenrtnier 11."Ho tie fi e m a s a fi e whi h e surv y r o i j ry o a aslr"e n r c m s e o f r nu r d m g ri in ut o :e a s g o f tr l a l o bre k o t fro whe e i wanolberasumrts (a)Pre a i g a pr vng o fal n toprn,p o i ,r i i gitndd o b .n e e t e pr pa e or ap r v ,m p , shoerpoeasp 12."Im are pro e t "m a s ta g bl pro e t ,o he dra i g , o ipidpryennieprytrwnspn o s, re o ts, survinpre s,y th n "y ur pro uct o "y ur wo k , tha ca n t be fi l o d rs, cha gaod"r o r "t n o ed r e n e o d rs o ra i gsrerdwn use r s l ss use u e a se a d pe i i a i ns; rdoieflbcu:n s cf c to o a.It i co po a e "y ur pro uct o "y ur wo knrrtsod"r o r "(b)Gi i g di e to s o i stru ti n , ovnrcinrncosr th t is kn wn o th ug t to be de e v ,fa l ng to gi e th m ifaorohfeiive,th t is thea de i n , n de u te o a g ro s; o pri a y ca se o the in u y oftiaqardneurmrufjrr da a emg; orb.Y u ha e fa l d to ful i l the te m o a co tr ctovieflrsfna (3)Und r whi h the i sure ,if a a chi e t,e c n d n r t coragreement; e gi e r o surv y r,a sum s la i i y fonnereoseibltrisuch pro e t ca be re to e to use by t efprynsrdh a in u y o da a e a i in o t o thenjrrmgrsgufrear,re l ce e t,a j stm nt o re o a o "y urpipamnduermvlfo i sure 's re de i g o fa l r to re dendnrnriuenrproucto"y ur wo k o y u fufi l n t e te m od"r o r "r o r l l i g h r s f pro e si n l se vce , in l dn ho e l stefsoariscuigtsidthcotatogreet.e n r c r a e m n i Pa a r pnrgah (2)a o e a d sup r i o ybvnevsr, 13."In ure co t a t m a s:s d n r c "e n i spe t o ,a chi e a o e g ne ri gncinrtrlrnien a t vti s.c i i ea.A co t a t fo a l a e o pre i e . Ho e e ,n r c r e s f ms s w v r th t po t o o t e co t a t fo a l a e oarinfhnrcresf 14."Le se wo k r"m a s a pe so l a e o y u badreenrnesdtoya pre i e tha in e nf e a y pe so omsstdmiisnrnr l bo l a in fi m unde a a r e e t be we n y uaresgrrngemnteo o ga i a i n fo "pre i e da a e i no arnztormssmg"s t n a d the la o le si g fi m to pe f rm dut e re a enbranr,r o i s l t d "i sure o tr ct ;n d c n a "to the co d ct o y ur bu i e s."Le se wo k r"n u f o s n s a d r e do s n t i cl d "te p ra ywo k r .e o n u e a m o r r e "b.A i e ra k a re m n ;s d t c g e e t 15."Lo di g o unl a i g"m a s th ha di g oanrodnenenlnfc.An e se e t o li e se a re m nt e ce t inyamnrcngee,x p pro e typr:co ne ti n wi h co stru ti n o de oi i nncotncormlto o e a Af e i is m v d fro th pl ce whe e i isprtrtoemearttinooihn5etoarodosnrwti0fefaria;a.l t d fo m v m n i t o o t a arcra tperoeetnornonif,d.An o l ga i n,a re u re by o d na ce tobitosqidrin, wae cra t r "a t ";t r f o uoidmiyamnciaiyecet i co ne ti nnenfuiplt,x p n n c o wi h o k f r a m ni a i ytwroult;b.Whi e i is i o o a arcra t wa e cra t oltnrnnif,t r f r "a t "; ruooe.An ee a o ant na ce a re m ntlvtrmiengee; c.Whi e i is be n m v d fro a arcra tltigoemnif,f.Tha pa t o a y o he co t a t o a re m nttrfntrnrcrgee wae cra t o "a t "to th pl ce whe e i istrfruoeartpranntoyur busi e s (i cl di g aetiigonsnunn fi al ei e e ;n ly d l v r didenfiain o a m ni i ai y i co nenmictofucpltnn n wi h wo k pe f r e fo a m n ci ai y und rtrromdruiplt)e bu "l a i g o unl a i g do s no i cl de thetodnrodn"e t n u whi h y u a sum th to t li b l t o a o h r m v m nt ocoseeraiiyfnteoeef pro e ty by m a s oprenf a m ch ncaeail pa t to pa fo "bo i y in ur ","pro e ty de i e o h r tha a haryyrdljyprvc,t e n n tr ck tha i no a ta hedu,t s t t c d da a e o "pe so a i j ry t a thi d pe somg"r r n l nu "o r r n to t e arcra t w t rcra t o "a t ".h i f ,a e f r u o o o ga i a i n To t l a ii y m a s a li b l tyrrnzto.r i b l t e n a i i 16."M bi e e u pm n "m a s a y o the fol wi golqietennflontht wo l be i po e by l w i t e a se ce oaudmsdanhbnf ty e o la d v hi l s, i cl di g a y ata hepsfnecenunntcdaycotr g e m ntnnroaree.m chi e yo e ui m ntanrrqpe: Pa a r prgah f.do s no i cl de th t pa t o a yetnuarfn a.Bu l o e s, fa m m chi e y fo ki ts a d o h rldzrranr,r l f n t ecotrctoaremn:n a r g e e t v hi s de i n d fo use pri ci al o f pub iesgernplyflc (1)Tha i d m i i s a ral o d fo "bo iy ro d ;t n e n f e i r a r dl a s i j ry o "pro e ty da a e a i i g o t onu"r p r m g "r s n u f b.Ve i l s m i t i e fo use soey o o ne t tohceanandrllnrxcostrunodeoiin o e a i ns,n r m l to p r t o pre i e y u wn r e tmssooorn;wi hi 50 fe t o a y ral o d pro e t a dtnefnirapryn c.Ve i l s t a t a e n l r t e ds;h c e h t r v l o w e r aafetngayralod bri g o tre tl ,f c i n ir a d e r s e Pa e18 o 21gf CG 1 0 02 1T09© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. ect, beco unco cti cie ctu acce cip ctio act ctio cra cle COMM RCI L G NERAL IAB LI YEAELIT d.Ve i s, whe he sel -pro el d o no ,h t r f p le r t b.An a t o o i si n co m t e in pro i i g ocrmsomitdvdnr m i tan d pri a i y to pro i e m bl ty to fa l ng to pro i e fi st an i e m r l vd o i i i i vd r a d o "Go d Sairom ri aatn pe m ne t ym u t d:r a n l o n e se vce "to a pe so ,une s y u a e i therisrnlsorn bu i e s o occup ti n of pro i i gsnsraovdn(1)Po e cra e , sho e s, l a e s, di g rs owrnsvlodrger pro e sio a e l h ca e se vce .f s n l h at r r i sdril; olsr 18."Pe so a a d a v r i i g i j ry m a s "pe so arnlndetsnnu"e n r n l(2)Road construction or resurfacing e ui m n such a gra e s, scra e s o i j ry o "a v rt sin nqpetsdrprrnu"r d e i g i j r ".u y ro l rs;l e 19."Pe so a nur ":r n l i j ye.Ve i l s no de crib d i Pa a r phcetsenrgah a.,b.,c.a.M a s i j ry o he tha "a v rtsin in u y ,e n nu ,t r n d e i g j r "or d.a o e th t a e no sef pro el d a d a ebvartl-p le n r ca se by o e o m r o th fo l wngudnroefeloimitiepriaiytoproiemblttoanandmrlvdoiiy o fe se :f n spemnnlataheeupetoftheraetytcdqimn fo l wi g t p s:l o n y e (1)F l e a re t,de e to r m ri o m n ;as r s t n i n o i p s n e t (1)Ai co pr sso s, pum s a d ge e a o s,r m e r p n n r t r (2)M l ci us pr se o ;ai o o i nicldngspraig,we dng bui dngnuiynli,l i cl a i g ge ph si a e pl ra i n,l gh i genn,o y c l x o t o i tn (3)The wro gf l e i fro , wro gf l e trnuvnmnuny a d el se vci g e ui m nt rnwlrinqpe;o i t ,o in a i n o the ri h o pri a enorvsofgtfvt o cup ncy o a ro m dwel n o pre i ecafo,l i g r m s s(2)Che ry pi k rs a d si i a de i e use torcenmlrvcsd th t a pe so o cup e , pro i e tha thearncisvddtraseooeokrs;i r l w r w r e wro g u vcto ,wro g u nt yo n a i nnfleiinnflerrivsof.Ve i l s no de crib d i Pa a r phcetsenrgah a.,b.,c.o the ri h o pri a e o cupa cy isfgtfvtcnord.a o e m i tan d pri a i y fo pu po ebvaniemrlrrss co mt e by o o be af o the o ne ,m i t d r n h l f w rohrthathtraspottoopesosotenenrainfrnrlndod o le so o tha ro m dwelng oalrrsrfto,li rcag.r o pre i e ;m s s Ho e e , sef pro e l d v h cl s wi h thwvrl-p l e e i e t e (4)Ora o writ e pub i a i n incl di glrtnlcto,u nfolwig ty e o pe m n nty at a helonpsfraeltcd pu l ca i n by ee t o i m a s, o m t r abitolcrncenfaeileuimntaeno"m bi e e u pm n "bu wilqpertolqiettl th t sl nd r o l b l a pe so oaaesriesrnrbecosiee"a t s":n d r d u o o di pa a e a pe so 's orsrgsrnr(1)Eq i m nt de ig e ri a iy f r:u p e s n d p m r l o (a)Sn w r m v loeoa;pro i e t a the cl i i m d r he "sui "vd d h t am s a e o t t i bro g t by a pe so o o g n z ti n thasuhrnrraiaot(b)Ro d m i t na ce but noaanen,t co stru no r surfa i g;o cl i s to ha e be n sl nd r d o i enrecnramveaeerlbl d,oer th t cl i s to ha e ha i s go ds, pro u tsaamvdtodc(c)St e t i g;r e n n o se vce di pa a e ;orrissrgdr(2)Che ry pi ke s an sim l r de i ercrdiavcs (5)Ora o wri te publ ca i n,in l d nlrtnitocuigmuneoatmbieotruckchasisotdnuoolrs pu l ca i n by ee tr nc m a s, o m t ri lbitolcoienfaeaad se t a se o o e o k rs; a dnudorirlwrwren th t:a(3)Ai co pr sso s, pum s a d ge e a o s,r m e r p n n r t r i cl di g spra i g we di g bui di gnunyn,l n ,l n (a)Ap ro ri t s a pe so 'na e v i eppaernsm,o c , cl a i g ge ph si a e pl ra i n,l gh i genn,o y c l x o t o i tn ph t gr p r i e e s; oooaholknsr a d el se vci g e ui m ntnwlrinqpe.(b)Unre so a l pl ce a pe so in aanbyasrnHoee,"m bie e up e t do s no i cl de a ywvrolqimn"e t n u n fa se l gh .l i tlndvhcltht is sub e t to a co pu so y oaeieajcmlrr b.In l d s "bo i y in ur "ca se by o e o m rcuedljyudnroefinancialresponsibilitylaw,or other motor vehicle i sura ce l w,whe e i is l ce se o pri ci al o the o f n ennartindrnplyffess de crib d in Pa a ra hsergp a. ga a e . Such la d v h cl s a e co sid rergdneierned a o ebv. "a t s".u o 20."Po l t n s"m a a y soi ,l qud ga e u oluatennldii,s o s r17."Occurr n e m a s:e c "e n th rm l irr t n o co t m n nt i cl di g sm k ,e a i a t r n a i a ,n u n o e v po ,so t,fu e , s, ak l s, che i as a daromsdlaimclna.A a ci e t,i cl di g co ti uo s o re e t dncdnnunnnurpae wa te Wa te in l d s m te i l to be re y l d,s .s c u e a r as c c eepouretosubstatalthsaegeeaxsnilyemnrl re o di i n d o r cl i e .c n t o e r e a m dhamulcodiin; rrfntoso CG 1 0 02 1T09 Pa e19 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. cle cut ctio clea ctio aci organization organization's goods, products or services, COMM RCIAL E ERAL IAB LITYEGNLI 21."Pre i e da a e m a s:co tr ct cal fo wo k a m re th nmssmg"e n n a ls r r t o a o e j b i enost.a.Wit re to th fi st pa a ra h o thehserrgpf e ce ti n in Ex l sioxposcun j.of I –(c)Whe tha pa t o the wo k do e a antrfrnt Co e a evrg A –Bo i y In ur And Pro e tdljypry j b si e ha be n put to it i t nd dotsesnee Da a e Li blty "pro e ty da a e to a ymgaii,p r m g "n use b nyp r o o rg nz t o th ryaesnroaiainoe pre i e whie re t d to y u fo a pe i d omsslneorrof th n an th r co tr ct r oraoenao se e o fe e co se utv da s, in l dng thevnrwrncieycui subco t a t r wo kn o th sa enrcorignem co te ts o uch re i e ; rnnfspmsso pro e tjc. b.Wit re pe t to th e ce t o to Ex l si nshscexpincuo c.Wo k tha m y ne d se vce m i t na certaeri,an e n ,th o gruhn.i he l st a a ra h o a a r pntaprgpfPrgah2.co r cto ,re a r o re l ce e t,bu w i hreinpirpamnthcoSetinfcoI–Co e a evrg A –Bo i y Inj ry Anddlu i o h rwi e co pl t ,wi l be tre t d astesmeelaesProetyDaaeLaiiy"pro e ty d m ge toprmgiblt,p r a a "co pe e .m l t daypreiewhieretd t y u fo a pe i d onmsslneoorrof b.Do s no in l d "bo i y in u y o "pro e tyetcuedljr"r p rmrethn se e co se ut v da s, o whi eoavnncieyrl da a e a i i g o t o :m g "r s n u ftepraiyocupebyyuwih pe m ssio omorlcidotrinf th o n r,ca se yeweudb:(1)The tr n po t ti n o pro e t ,unl ss theasraofprye i j ry o da a e a i e o t o co d t o nnurmgrssufaniini(1)Frei; o on a v hcl no o n d o o e a e byreietwerprtd(2)Ex l si n;po o y u,a d tha co di i n wa cre t d by theontntosae "o h t e i l b nyftavhceya(3)Lightning;l a i g o unl a i g"o dn r o d n i sure ;n d(4)Sm k re ul i g fro fi e e pl sio ooestnmr,x o n r l g t i g rihnn;o (2)The e i te ce o to l , uni sta l dxsnfosnle e ui m nt o ab nd n d o unuseqperaoerd(5) m te i l ; rarasoBu"pre i e da a e un e thi Pa a r ptmssmg"d r s r g a h (3)Pro uct o o e ai n fo whi h thdsrprtosrceb.do s no in l d "pro e ty da a e to a yetcueprmg"n cl ssi i ai n,li te i th De ra i ns oafctosdnetorpreiecaseb:ms s u d y i a po i y Sche u e sta e th t pro uct -n l c d l ,t s a d s(1)Rup u e bu sti g o o e a i n o pre suretr,r n ,r p r to f s co pe e o e a i n a e subj ct to themltdprtosrereif e i e ;l e d vc s Ge e a g re a e Li i .n r l A g g t m t (2)Rup u e o bu sti g due to e p nsio otrrrnxanr 23."Pro e ty d m ge m a s:p r a a "e nswelnothcotnsoaybuidnoligfenetfnligra.Ph si a in u y to ta gi l pro e t ,in dng alycljrnbepryilstrutuecasebr e ul i g r m w t r;c r u d y o r s t n f o a e re ul i g l ss o use o th t pro e t .Al suchstnoffaprylor l ss o use wi l be de m d to t t e t m fofleeahieo (3)Ex l si n o ste m bol r , ste m pi e ,po o f a i e s a p s th p y i a n u yt a ca se t rehsclijrhtudi;o ste m e gi e o te m t r i e .a n n s r s a u bn s b.Lo s o use o ta gi l pro e ty tha i nosffnbeprtst ph si al in ur d Al such l ss o use wi l beyclyje.l o f l22."Products-completed operations hazard": de m d to o cur a the ti e o th ceeectmfen"a.In l d s a l "bo iy in ur "a d "pro e tycueldljynpr th t a se tacudi.da a e o cur i g a a fro pre i e y umg"c r n w y m m s s o F r the purp se o th s in ura ce "ee i da aoosfisn,l nc t "o n o re t a d a i in o t o "y ur pro uct owrnnrsgufod"r i n t a gbl ro e t .s o t n i e p p r y"y ur o k e ce t:o w r "x p 24."Sl g n :o a "(1)Pro uct th t a e stil in y ur phy icadsarlosl a.M a s a phr se th t o h r u efo hepu p seenaatessrtropossession;or o t ra ti g at n i n n t er d e tsin .f a t c n t e to i h i a v r i g(2)Wo k tha ha no y t be n co p e e ortsteemltdr b.Do s no in l d a phra e use a , o in theetcuesdsr,a a d n d.Ho e e ,"y ur wo k wil bebnoewvror"l na e o :m fdemd co pl t d a th e rle t o theeemeeteaisf fol wi g i e :l o n t m s (1)An pe so o o g nz t o ,o he th n y u;y r n r r a i a i n t r a o or(a)Whe al o th wo k ca l d fo i y unlferlernor co tr ct ha b e o pe e .n a s e nc m l t d (2)An busin ss, o a y o th pre i e ,y e r n f e ms s go ds, pro uct , se vce o wo k o a yodsrisrr,f n(b)Whe al o th wo k to be do e a thenlfernt pe so r r a i a i n t e ha o .r n o o g nz t o ,o h r t n y ujb sit ha be n co pl t d i y uoesemeefor Pa e20 o 21gf CG 1 0 02 1T09© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. pect Section cla clu occur "occurre ctro Water. COMM RCI L G NERAL IAB LI YEAELIT 25."Su t m a s a civ l pro e dn i whi h da a ei"e n i c e i g n c m g s (a)Y uo; be a se o "bo iy in u y ,"pro e ty da a e ocufdljr"p r m g "r (b)Ot e s t a i g nd r y u a e rhrrdnueornm;o "pe so a a d a v rt si g i j ry to whi h thirnlndeinnu"c s (c)A pe so o or a i a i n who ernrgnztosisuraceapleaealge."Su t i cl de :n n p i s r le d i "n u s bu i e s o a se s y u ha e a qu re ;s n s r s t o v c i d a.An a bt a i n pro e di g i whi h suchrirtocennc a dn da a e a e cla m d a d to whi h th in uremgsriencesd (2)Co t i e s (o he tha v hi l s), m t ri l ,n an r t r n e ce a e a smst subm t o do s sub i wi h o r co se tuiremttunn;pa t o e upm n furn she i co ne ti nrsrqietidnncoorwih uch g o s o ro uct .t s o d r p d s b.An o he al e n ti e di put re out oytrtravseslin b.In l d s:c u e pr ce di g in whi h such d m ge a e cl i eoencaasramd (1)Wa ra ti s o re re e ta i ns m de a a yrnerpsntoatnad to whi h th in ure subm ts wit o rncesdihu ti e wi h re pe t to the fi n ss, quai ymtsctelt,co se t.n n du a ii y pe fo m n e o use o "y urrblt,r r a c r f o26."Te p ra y wo k r m a s a pe so who imorre"e n r n s pro uct ; ndd"a fu ni he to y u to substi ut fo a pe m ne trsdoterran (2)The pro i i g o o fal re to pro i evdnfriuvd"e pl y e o l a e o to m e se so a o sho tmoe"n e v r e t a n l r r -wa ni g o n tr cto s.r n s r i s u i ntemwrlaodiin.r o ko d c n t o s c.Do s no i cl de v nd ng m ch ne o o h retnueiaisrte27."Ti l "m a s a na e o l t r r r a t sti o kteenmfaieayoricwr.pro e ty re t d to o l ca e fo the use oprnerotdrf28."Unso i co m nca i n m a s a yldmuito"e n n oh r b t no sodtesutl.co m n ca i n in a y fo m tha th re i nt omuito,n r ,t e e f 31."Y u o k :o r w r "such co m n ca i n di no spe i al re ue t tomuitodtfclyqs a.M a s:e nreev.c i e (1)Wo k o o e a i n pe f rm d by y u o orrprtosroeorn29."Vo u t e wo k r m a s a pe so who i no y ulnerre"e n r n s t o r y ur e a f;a dobhln"e pl y e , a d who do a e hi o he wo k a dmoe"n n t s s r r r n a t a th di e ti n o a d wi hi the sco e ocstercofntnpf (2)M te i l , pa t o e upm n furn she inarasrsrqietid du i s de e m n d by y u a d is no pad a fe ,t e t r i e o ,n t i e co ne ti n wi h uch w r o pe a i n .n c o t s o k r o r t o s sa a y o o he co pe sa i n by y u o a y n eselrrtrmntoornoel b.In l d s:c u efoher o k p r o m d f r o .r t i w r e f r e o y u (1)Wa ra ti s o re re e ta i ns m de a a yrnerpsntoatn30."Y u ro uct :o r p d "ti e wi h re pe t to the fi n ss, quai ymtsctelt,a.M a s:e n du a ii y pe fo m n e o use o "y urrblt,r r a c r f o (1)An go d o pro uct , o h r th n re l wo k ;a dyosrdsteaar"n pro e ty m n f ct r d so d ha d e ,p r ,a u a u e ,l ,n l d (2)The pro i i g o o fal re to pro i evdnfriuvdditrbuerdspoef ysitdoisdob:o n tr cto s.r i s u i n CG 1 0 02 1T09 Pa e21 o 21gf© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. cite cip ci warnings COMM RCI L G NERAL IAB LI YEAELIT T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E XTEND ENDORSEMENT FOR TECH OLOGYN GE ERAL D SCRIP ION O CO ERAGE –N E T F V Thi endorsem nt broadens cov rage.Howev r cov rage fo anyseee,e r i ju y,dama e o me i al ex ense descri ed in any o the provnrgrdcpsbfi ion o ths e dorseme t mayssfinn be ex luded orc l m ted by anothe endorsem n to this Cov rage Pa t, and the e i i r e t e r s cov rage broadening provsions do no ap ly toeitp the ex en tha cov rage is ex l ded or lim ted by such antttecui endorsem n . The fo lo ing li ti g i a e t l w s n s general cov rage de cript o only Read al the provsion o thiesin.l i s f s endorsem n and the re t o yo r poletsfui y ca e ul y tocrfl de erm ne r gh s,dut es, and wha i and i not ov red.t i i t i t s s c e A.No -wned a e cra t –75 Feet Long Or Le snOWtrfs I.Bla ket Addi ional Insured –Mortgagee ,n t s Assi nee , Su ce so s O ecev rsgscsrrRieB.Wh I An Insured –Unnam d Subsi ia ieosedrs J.Bla ket Addi ional Insured –Gov rnmen alntetC.Wh I An Insured –Em loyee –Supe v soryospsri En it e –Pe m t O utho izat o s Rela i g otisrisrArintnTPoiionsst PremseisD.Wh I An Insured –Newly Acqui ed O Form dosrre Limted Liabil ty Com anieiips K.Bla ket Addi ional Insured –Gov rnmen alntet En it e –Pe m t O utho izat o s Rela i g otisrisrArintnTE.Wh I An Insured –Lia ili y For onduct OfosbtC Ope atio srnUnnamd Partne ship O Jo nt Venturesersri L.Med cal Paym nts –In rea ed Lim tiecsiF.Bla ket Addi ional Insured –Pe sons Orntr O ganizat on Fo Your ngoi g pe ations AsrisrOnOr M.Bla ket Wa v r f Sub ogationnieOrReuied By ri te Con ra t r greem ntqrWtntcOAe N.Co tra tua iabil ty –Rai roadnclLilsG.Bla ket Addi ional Insured –Broad Form Vendo sntr O.Da a e To Prem se Ren ed o YoumgistTH.Bla ket Addi ional Insured –Cont ol i g ntere tntrlnIs P O ISIONRVS i re ponsible fo the use o a wate cra tssrfrfANONOWNEDWATECRAFT–75 FEE L N.-R T O G that yo do not own that i :u sOLSRES (1)75 fee lon o le s; andtgrs1.The folowing repla e Pa agraphlcsr (2)of g.,Ai craft, Auto O Watercraftrr,(2)No bei g used to arry any pe son otncrr i Pa agraphnr 2.of SE TION I –C prope ty o a ha ge.r f r c r CO ERAGES –CO ERAGE A –BODI YVVL B WH IS AN INSU ED –UNNAMED.O RINJUY AND P OP RT DAMAGERREY SUBS DIARIEISLABIITILY:The fol owing is ad ed told SE TION II –WHO ISC (2)A wa er ra t y u do not own t at i :t c f o h s AN INSU EDR: Any o y u sub idiar e , ot er than a partne shiforsishrp(a)75 fee lon o le s; andtgrs or joint v nture that is not shown a a Nam de,s e(b)No bei g used to arry any pe son otncrr In ured i the eclara ion i a am d Insured i :s n D t s s N e fpropety o a ha ge;r f r c r a.Yo are the so e owner o ,o ma ntai anulfrin 2.The fo lo ing repla e Pa agraphlwcsr 2.e.of ownership intere t o mo e than 50% in, suchsfr SE TI N II –WHO I AN INSU EDCOSR:subsidia y on the fi st day o the pol cy pe iodrrfir; ande.Any perso or o gani at on that,wi h yournrzit ex re s o im lie conse t,ei her use opsrpdntsr b.Su h subsidiary i not an in ured undecssr si ila o her nsuran e.m r t i c CG 4 17 02 19D ©2017 T e Travelers IndemnityCompany.All rights rheserved.Pa e 1 o 5gf Includes copyrighted material of nsurance Services OfIf ce,Inc. with its permis ion.i s This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART Exclusion COMM RCI L G NERAL LIA ILI YEAEBT No such subsidiary i a insured fo "bodily inju y organi ation in wrisnrr"z ting to us wit ihn or "property dama e"tha o curred, o "perso al 180 ay a te yogtcrndsfru a qui e or o m it;c r f r and a v rt sing i ju y caused by an o fe sedeinr"f n b.Cov ragee A does not apply to "bodilycomited:m t i ju y"o "property dama e that o currednrrg"c a.Be o e you ma ntai ed an ownership intere t be o e you a qui ed or fofrinsfrcrrmed the o mo e than 50% i such ub idiary;or organi ation;andfrnssz b.Af e the date, i any duri g the poli y periotrf,n c d c.Cov ragee B doe not ap ly to "perso alspn that yo no longer ma ntain a ownershi and adv rti i g injury ariuinpesn"sing out o afn i tere t o o e han 50% in such subsidia y.o fe se com i tensfmrtrfnmtd be o e yo a qui ed ofrucrr fo med the o ganiza io .r r t nFopurposeoPaagraphrsfr1.o Se tionfc II –Who Fo t e purpose o Pa ag aprhsfrrh 1.o Se t onfci IIIs An Insured, ea h such sub idiary will becs –Who Is An Insured,each such o ganiza iortndeemd to e de ignated in the Declarat on a :e b s i s s wil be deem d to be designated in thelea.A im ted l ab l ty company;l i i i i De la ation a :c r s s b.An o ganizat on o he than a pa tnership,jo ntritrri a.A im ted l abl ty company;l i i i ivntureor l m ted liab l ty om any;oreiiiicp b.An organiza ion o her than a pa tnership,t ,t rc.A rust;t jo n v nture or lim ted lia ili y com any;i t e i b t p a indi a ed in i s nam o the docum n s tha orsctterett gov rn it stru ture.e s c c.A rust;t C.WH IS AN INSURED –EMP O EES –O L Y a indica ed i its nam or the do um ntsstneceSPEVISOY PO I IO SURRSTN that gov rn t structure.e i s The fol o ing is added to Paragraphlw 2.a.(1)of E.WH IS AN INSU ED –L ABIL TY FOORIIRSETINII–WHO I AN INSUREDCOS:CONDU T O UNNAMED PARTNE SHIP OCFRSR JO NT VEN UREITSPaagaphsrr(1)(a),(b)and (c)abov do not applye to "bodi y injury to a co "em loyee while in thel"-p "The fo lo ing rep a es the la t paragraph olwlcsf cour e o he co "em loyees"em loy en by yousft-p 'p m t SE TI N II –WHO I AN INSU EDCOSR: ari ing out o work by any o your "em loy e "s f f p e s No person o organi ation is an insured wi hrztwhohola superv so y po itio .d i r s n re pe t to the con uct o any current o pa tscdfrs pa tnership o joi t v nture tha i not shown a arrnetssDWHIS AN INSURED –N WLY ACQU RED.O E I Na e Insured in the ThismdOFOMEDLIMITDLABILTCOPANIESRREIIYM pa agraph doe not apply to any such partne shiprsrThe fo lowing repla e Pa agraphlcsr 3.of SECTI NO or joi t v nture tha ot erwi e quai ie a anethslfssnII–WHO I AN IN U EDSSR:i sured under ectionSn II –Who I An I sured.s n 3.Any o gani at on y u newly a qui e or fo mrziocrr,F B ANKET ADDI IONAL IN URED –P RSON.L T S E Soter than a partnershi or joi t v nture anhpne,d O O GANIZATI N FO YOU ON O NRROSRRGIGowhih yo a e the soe owner o in whi hfcurlrc OP RATION AS REQUIRED B WRI T NESYTEyu ma nta n an owne ship intere t o m reoiirsfo CON RACT R AGRE MENTOETthan50%, wi l quali y a a Nam d Insured iflfse The fol owing is ad ed told SE TION II –WHO ISCthee i no othe sim lar i surance av ila le torsrinab AN INSU EDR:that organiz tio . owev r:a n H e Any person or o gani at on tha i no o herwi erzitsttsa.Cov rage unde thi prov sion i a fo dedersisfr an insured under this Cov rage Pa t and that yoeruonyl: hav ag ee in a writ en cont a t o agreem nt toerdtrcre(1)Unt l the 180th day a ter you a quireifc i clu e as an a ditio al insured on thi Cov ragenddnseor fo m the organi ation o the end orzrf Pa t is an in ured, but only wi h re pe t to l abi ityrstscilthepolcyperiodwhihevris earl er,i ,c e i fo "bodi y i ju y"or "prope ty dama e"thatrlnrrg:i y u do not report such o ganizat oforin a.Occurs subse uent to the signi g o thatqnfiwritng to us wi hin 180 days a tenitfr contra t or ag ee ent; andcrmyu a quire o fo m i ; oocrrtr b.Is cause , in whole or in part by yo r acts od,u r(2)Unt l the end o the pol cy perio ,i f i d om ssions in the perfo ma ce o yo r ongoinirnfugwhen that date is late than 180 dayrs a ter y u a qui e or fo m such operatio s to whi h tha contra t f o c r r n c t c or organi ation,i you report suchzf Pa e 2 o 5gf ©2017 T e Travelers IndemnityCompany.All rights rheserved.CG 4 17 02 19D Includes copyrighted material of nsurance Services OfIf ce,Inc. with its permis ion.i s Declarations. COMM RCI L G NERAL IAB LI YEAELIT pe fo med a such v ndor'prem se inrrtesisagreement applies or the acts or omissions of connect on with the sale o "y uiforanypeson o organi at on pe fo m ng suchrrzirri product "; orsoeratios on your behal .p n f The lim t o in urance prov ded to such insuredisfsi (6)"Yo r product "that a te di tri ution ous,f r s b r wil be the mnim m lim t that you ag ee to sale by you, hliuisrdav bee labeled oenr prov de i the wri ten cont act or agreem nt, ointrer re abeled or used a a containe , part olsrr the lim t shown in the Declaratio s, whi hev risnce i gredien o any o her thing or substancentft are le s.s by or on behal o uch v ndor.f f s e G B ANKET ADDIT ONAL IN URED –B OAD.L I S R Cov rage under thi p ov sion doe not apply toesris: F RM VENDO SOR a.Any pe son o o ganizat on from whom yorrriuThe fol owing is ad ed told SE TION II –WHO ISC hav acqui ed "y ur produ ts", or anyerocANINSUEDR:i gredie t, part or containe enterin in o,n n r g t Any perso o organzat on that i a v ndor an a com annriisedcpy ng o contain ng such product ;i r i s orthatyou have agreed in a written contract or ag ee ent to in lude a an addi ional insured onrmcst b.Any v ndo fo whi h cov rage a anerrcesths Cov rage Part i a in ured, but only wi hiesnst addi ional insured spe if ca ly i sche ule bytcilsddrepettoliailtyfo"bodily injury or "prope tyscbir"r endo sem nt.r edamaethatg": H B ANKET ADD T ONAL INSURED –.L I Ia.Occurs subse uent to the signi g o thatqnf CON RO L NG IN ERE TTLITScotrat or agreem nt; andnce 1.The fo lo ing is added tolw SE TI N II –WHOCOb.Ari e out o "y ur products"that aressfo IS AN INSURED:di tr buted o sod in the regula cou se osirlrrf Any pe son or o gan zat on that ha fi ancialrriisnsuch v ndors busine s.e 's cont ol o yo is an i sured wi h re pe t torfuntscThe insura ce prov ded to such v ndor is subje tniec l ab l ty fo "bodily inj ry ,"property dam geiiiru"a "to the olowing provsion :f l i s or "pe sonal a d adv rti ing i ju y that a i ernesnr"r s s a.The lim t o in urance prov ded to suchisfsi ou o :t f v ndor wil be the m nim m li i s tha y ueliumtto a.Su h i an ial cont ol orcfncr;ag ee to prov de in the writ en cont a t orditrcr b.Su h person's or o ganizat on'c r i sageeent,o the lim t shown in thermris ownership,ma ntenance or use ofi premse lea ed o or o cupied by y u.i s s t c ob.The in urance provded to such v ndor doesies The i surance prov ded to such person onirnoaply o:t p t organi ation does not apply to structuralz(1)Any ex ress warranty no authorized bypt al erat on , new con tru tion or dem li iotisscotnyuor any di tribut on or sa e fo aosilr operatio s pe fo me by or on behal o suchnrrdffpupoenotauthorizedbyyo;r s u pe son or organizationr. (2)Any change i "y u products"m de bynora 2.The fo lowing is ad ed to Paragraphld 4.of such v ndor;e SE TI N II –WHO I AN INSU EDCOSR: (3)Re a kagi g, unle s unpa ked so ely fopcnsclr Thi pa agraph does not apply to anysr the purpo e o i spectio , dem n tratio ,s f n n o s n premse owner,manager or le sor tha haissts te tin , o the sub tit tion o part undesgrsufsr fi a cial o trol o yo .n n c n f u i struction fro the man fa ture , annsmucrd I.B ANKET ADD T ONAL INSURED –L I Ithenrepackagedintheorignalcontaine;i r MO T A E S ASSIGN ES,SU CES O SRGGE,E C S R (4)Any fai ure to ma e such in pect on ,l k s i s O ECEI ERSRRV a justme t , te ts or se v cing adnssris The fol owing i added tols SE TION II –WHO ISCvndors agree to perfo m or no ma lyerrl AN INSU EDR:unde take to pe fo m in the regularrrr Any pe son o o ganiza io tha is a mo tgagee,r r r t n t rcoureobuines, in connectio wi h thesfssnt a signee succe so or re eiv r and tha yos,s r c e t uditribtioorsale o "y ur p oduct ";s u n f o r s hav agreed i a writ en cont a t o agreem nt toentrcre(5)De o stra ion instal a ion, se vci g omnt,l t r i n r i clu e as an a ditio al insured on thi Cov ragenddnsereaioperatios,ex ept such o e ationprncprs Pa t is an insured, but on y with re pe t to itsrlsc CG 4 17 02 19D ©2017 T e Travelers IndemnityCompany.All rights rheserved.Pa e 3 o 5gf Includes copyrighted material of Insurance Services Of ice,Inc. with its permis ion.f s Declarations, whichever are less. COMM RCI L G NERAL LIA ILI YEAEBT l ab l ty a m rtgagee,a signee succe so o constru tion,ereiiisos,s r r c ction or remov l o any o theaff re e v r fo "bodi y i ju y ,"property dam ge"o fo lowi g fo wcierlnr"a r l n r hi h that gov rnme tal enti y hacents "pe sonal and adv rti ing i ju y"that i sue such perm t o auresnr:s d i r thorizat o :adv rti ingines si n , awni gs, canopie , cel ar entrance , coalgsnslsa.Is "bo ily inju y or "prope ty dama e"thatdr"r g ho es, driv way , ma holes, marquees, hoi tlesnsocurs, o i "pe sonal an adv rti ing inju ycrsrdesr"away open ng , sidewalk v ults, e ev tor , streetisalascaused by an o f n e that is com it ed,f e s m t banners o de orat on .r c i ssubsequenttothesiningothatcotratogfncr ag ee ent;andrm K.B ANKET ADD T ONAL INSURED –L I I GO E N ENT L EN IT ES –P RMIT OVRMATIESRb.Ari e out o the ownership, m in enance ossfatr AU HO I ATI N RELATIN TO OP R-T R Z O S G Euseothepremsefowhih that mo tgagee,f i s r c r ATIONSasigneesuccesooreeivris requi eds,s r r c e r unde that cont act o agreem nt to be The fol owing is ad ed torrreld SE TION II –WHO ISC i clu ed a an a dit onal insured on thisndsdi AN INSU EDR: Cov rage Parte.Any gov r men al enti y tha ha issued a permtentttsi The insurance prov ded to such mo tgagee,or authoriza ion wit rirthe pe t to ope ationsscr a signee succe so o re eiv r is subje t to the pes,s r r c e c rfo med by y u or on your behal and that yorofu fo lowi g provsions:are required by any o dinance,law, buil ing clnirdode or written cont act or agreement to incl de a anrusa.The lim t o in urance prov ded to suchisfsi addi ional i sured on thi Cov rage Pa t is atnsernmrtgagee,a signee, succe so o re eiv rossrrce i sured, but only wi h re pe t to liabi i y fo "bodilyntscltrwilbe the m nm m l m t tha y u agreed toliiuiisto i ju y","prope ty dam ge"or "perso al andnrranprovdeinthewritenconrator agreem nt,i t t c e adv rti ing inj ry"ari ing ou o uch operatio s.e s u s t f s n whi hev r are e s.The in uran e prov ded to such gov rnmen alcelssciet en ity doe not apply o:t s tb.The i surance prov ded to such person onir organi ation oe not apply to:z d s a.Any "bodi y inju y ,"property dama e olr"g "r "pe sonal and adv rti ing injury"a i ing o t oresrsuf(1)Any "bodily inj ry or "property dam geu"a "operatio s perfo m d fo the gov r men alnrerentthatoccurs, or any "pe sonal andr en ity ort;adv rti ing inju y ca sed by an o fe seesr"u f n that is com it ed,a ter such con ra t omtftcr b.Any "bodily inj ry or "property dam geu"a " ag ee ent s no lon er in e fe t; o i clu ed in the "products-co plrmigfcrndmeted operatio s hazard".n(2)Any "bodi y inju y ,"property dama e olr"g "r "pe sonal and adv rti ing i ju y ari ingresnr"s L MED CAL PAYMEN S –INCREASED LI IT.I T M ou o any structural al eratio s, newtftn The folowing repla e Pa agraphlcsr 7.of SECTI NOconstrution o dem li ion ope ationscrotr II –L MIT F INSURANCEIISO:pe fo med by or on behal o suchrrff 7.Su je t to Paragraphbc 5.abov ,the Medicaelmrtgagee,assignee,succe so oosrr Ex ense Lim t is the mo t we will pay undepisrreevr.c i e Cov ragee C fo al me ical ex enserldpsJBANKETADDTONALINSURED–.L I I be ause o "bodly i ju y sustained by anycfinr"GO E N ENT L EN IT ES –P RMIT OVRMATIESR one erson,and will be he ighe o :p t h r fAUHOIATINRELATNO P E IS STRZOSIGTRME a.$10,00; or0The fol owing is ad ed told SE TION II –WHO ISC b.The am unt shown i the oonfANINSUEDR:th s Cov rage Part fo Medi al Ex enseiercpAnygovrmenalentiy tha ha issued a perm tentttsi Lim t.ior aut orizat o wit respe t to premse ownedhinhcis M.B ANKET WAIVER O SUB O ATIONLFRGor o cupied by,o rented o loa ed to,y u ancrrnod that yo a e requi ed by any ordi ance,law,u r r n The fo lowing is a ded to Parag aphldr 8.,Tra sfenr O Righ s O Rec very Against O hers To Uftfotsbuilding code or written contract or agreement to , i clu e as an a ditio al insured on thi Cov ragenddnse of SE TION IV –CO MERCIAL GENERALCM Pa t is an insured, but ony with re pe t to lia il tyrlscbi L AB LIT CO D TIONIIYNIS: fo "bodi y inj ry ,"prope ty dam ge or "perso alrlu"r a "n If the insured has a ree in a cont act ogdrrand adv rti ing inj ry arising out o theesu"f ag ee ent to waiv that i sured'righ ormenstfexstenceowneship,use mai tenance repai ,i ,r ,n ,r re ov ry against any per on o o ganiza io , wecesrrtn Pa e 4 o 5gf ©2017 T e Travelers IndemnityCompany.All rights rheserved.CG 4 17 02 19D Includes copyrighted material of nsurance Services OfIf ce,Inc. with its permis ion.i s or the limits shown in the Declarations, Declarations COMM RCI L G NERAL IAB LI YEAELIT waiv our right o e ov ry against such pe son oefrcerr 2.Pa ag aphrr f.1)(o the de init on o "i suredffifn organi a ion,but only fo pay ents we make cont a t"i theztrmrcn D FIN TIONEIS Se tion isc be ause o :de eted.c f l a."Bo ily i ju y o "property dam ge"thatdnr"r a O DAMAGE TO P EMISE EN ED TO YOU.R S R T o curs; ocr The fol owing repla e the de i ition o "prem selcsfnfis b."Pe so al and adv rti ing inj ry ca sed byrnesu"u dama e in heg"t DEF NIT ONSII Se tionc: an o fe se hat i comm ttedfntsi;"Pre i e dama e m a s "property damage to:m s s g "e n " subsequent to the ex cu ion o the cont a t oetfrcr a.Any prem se whi e rented to y u oisloragement.r e tem ora ily o cupied by you wi h pe m ssionprctriNCONRACTUAL IABILIT –RAIL OAD.T L Y R S o he owne ; orftr 1.The fol o ing repla e Pa agraphlwcsr c.o thef b.The co tent o any premi e whi e suchnsfssldeiiiono"insured cont act"i thefntfrn premse i rented to yo , i y u rent suchissufoDFINTIONEISSetion:c premse fo a period o sev n or feweisrfer c.Any ea em nt or l cense agreem nt;s e i e conse utiv day .c e s CG 4 17 02 19D ©2017 T e Travelers IndemnityCompany.All rights rheserved.Pa e 5 o 5gf Includes copyrighted material of Insurance Services Of ice,Inc. with its permis ion.f s PSA19-508UTIL General Counsel Approved Version 1/30/13 1 AMENDMENT NO. 1 TO EXTEND AGREEMENT FOR SOFTWARE SERVICES WATERSMART SOFTWARE, INC. This Amendment No. 1 is entered into and effective as of the ________ day of _______________________________, 2019, extending and amending the agreement dated August 28, 2018, (the “Agreement”) by and between the Carlsbad Municipal Water District, a Public Agency organized under the Municipal Water Act of 1911, and a Subsidiary District of the City of Carlsbad, ("CMWD"), and WaterSmart Software, Inc., a Delaware corporation (“Contractor") (collectively, the “Parties”) for water engagement platform software services related to customer water use and communications. RECITALS A. The Parties desire to extend the Agreement for a period of one (1) year. NOW, THEREFORE, in consideration of these recitals and the mutual covenants contained herein, CMWD and Contractor agree as follows: 1. That the Agreement, as may have been amended from time to time, is hereby extended for a period of one (1) year ending on August 27, 2020 on a time and materials basis not-to-exceed fifty thousand five hundred dollars ($50,500). 2. All other provisions of the Agreement, as may have been amended from time to time, will remain in full force and effect. 3. All requisite insurance policies to be maintained by the Contractor pursuant to the Agreement, as may have been amended from time to time, will include coverage for this Amendment. /// /// /// /// /// /// /// /// /// DocuSign Envelope ID: 085FB3ED-6232-4217-9B73-33069AFAB664 July 30th PSA19-508UTIL General Counsel Approved Version 1/30/13 2 4. The individuals executing this Amendment and the instruments referenced in it on behalf of Contractor each represent and warrant that they have the legal power, right and actual authority to bind Contractor to the terms and conditions of this Amendment. CONTRACTOR CARLSBAD MUNICIPAL WATER DISTRICT, a Public Agency organized under the Municipal Water Act of 1911, and a Subsidiary District of the City of Carlsbad WATERSMART SOFTWARE, INC., a Delaware corporation By: By: (sign here) Scott Chadwick, Executive Manager Kevin Kern, President (print name/title) ATTEST: By: (sign here) for Barbara Engleson, Secretary Chad Haynes, Secretary (print name/title) If required by CMWD, proper notarial acknowledgment of execution by contractor must be attached. If a corporation, Agreement must be signed by one corporate officer from each of the following two groups. Group A Group B Chairman, Secretary, President, or Assistant Secretary, Vice-President CFO or Assistant Treasurer 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, General Counsel By: _____________________________ Deputy General Counsel DocuSign Envelope ID: 085FB3ED-6232-4217-9B73-33069AFAB664 05/29/2019 Jaffe-Schlossberg, Inc. 3502 Geary Blvd, 3rd Floor San Francisco CA 94118 Brady Ward (415) 221-5340 (415) 221-5395 brady@jaffe-schlossberg.com Watersmart Software, Inc. 20 California St Ste 200 San Francisco CA 94111 Sentinel Ins Co, LTD 11000 Rated By Multiple Co 00914 Hartford Fire Ins Co 19682 CL1952905199 A Y 57SBABG6972 07/01/2019 07/01/2020 2,000,000 1,000,000 10,000 2,000,000 4,000,000 4,000,000 A Y 57SBABG6972 07/01/2019 07/01/2020 2,000,000 A 10,000 Y 57SBABG6972 07/01/2019 07/01/2020 3,000,000 3,000,000 B Y 57WBCZQ4909 07/01/2019 07/01/2020 1,000,000 1,000,000 1,000,000 C Professional Liability Data Breach/Internet Liab 57TE032124618 07/01/2019 07/01/2020 Limit $5,000,000 City of Carlsbad/CMWD is named as an Additional Insured, as required by written contract, per the Business Liability Coverage SS0008 attached to this policy. Notice of cancellation to certificate holders is 30 days. City of Carlsbad/CMWD c/o EXIGIS Insurance Compliance Services PO Box 4668 - ECM #35050 New York NY 10163 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. INSURER(S) AFFORDING COVERAGE INSURER F : INSURER E : INSURER D : INSURER C : INSURER B : INSURER A : NAIC # NAME:CONTACT (A/C, No):FAX E-MAILADDRESS: PRODUCER (A/C, No, Ext):PHONE INSURED REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). 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. OTHER: (Per accident) (Ea accident) $ $ N / A SUBR WVD ADDL INSD THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. $ $ $ $PROPERTY DAMAGE BODILY INJURY (Per accident) BODILY INJURY (Per person) COMBINED SINGLE LIMIT AUTOS ONLY AUTOSAUTOS ONLY NON-OWNED SCHEDULEDOWNED ANY AUTO AUTOMOBILE LIABILITY Y / N WORKERS COMPENSATION AND EMPLOYERS' LIABILITY OFFICER/MEMBER EXCLUDED?(Mandatory in NH) DESCRIPTION OF OPERATIONS belowIf yes, describe under ANY PROPRIETOR/PARTNER/EXECUTIVE $ $ $ E.L. DISEASE - POLICY LIMIT E.L. DISEASE - EA EMPLOYEE E.L. EACH ACCIDENT EROTH-STATUTEPER LIMITS(MM/DD/YYYY)POLICY EXP(MM/DD/YYYY)POLICY EFFPOLICY NUMBERTYPE OF INSURANCELTRINSR DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) EXCESS LIAB UMBRELLA LIAB $EACH OCCURRENCE $AGGREGATE $ OCCUR CLAIMS-MADE DED RETENTION $ $PRODUCTS - COMP/OP AGG $GENERAL AGGREGATE $PERSONAL & ADV INJURY $MED EXP (Any one person) $EACH OCCURRENCEDAMAGE TO RENTED $PREMISES (Ea occurrence) COMMERCIAL GENERAL LIABILITY CLAIMS-MADE OCCUR GEN'L AGGREGATE LIMIT APPLIES PER: POLICY PRO-JECT LOC CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) CANCELLATION AUTHORIZED REPRESENTATIVE ACORD 25 (2016/03) © 1988-2015 ACORD CORPORATION. All rights reserved. CERTIFICATE HOLDER The ACORD name and logo are registered marks of ACORD HIREDAUTOS ONLY BUSINESS LIABILITY COVERAGE FORM Form SS 00 08 04 05 © 2005, The Hartford QUICK REF ERENCE BUSINESS LIA BILITY COVERAGE FORM READ YOUR POLICY CAREFULLY BUSINESS LIABILITY COVERAGE FORM Beginning on Page A.COVERAGES 1 1Business Liability 2Medical Expenses 2CoverageExtension -Supplementary Payments B.EXCLUSIONS 3 C.WHO IS AN INSURED 10 D.LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE 14 E.LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 15 1.15Bankruptcy 2.15DutiesInTheEventOf Occurrence,Offense,Claim Or Suit 3.16FinancialResponsibilityLaws 4.16Legal Action Against Us 5.16SeparationOf Insureds 6.16Representations 7.16OtherInsurance 8.17TransferOf Rights Of Recovery Against Others To Us F.OPTIONAL ADDITIONAL INSURED COVERAGES 18 18AdditionalInsureds G.LIABILITY AND MEDICAL EXPENSES DEFINITIONS 20 Form SS 00 08 04 05 ABCDEFGHIJ BUSINESS LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights,duties and what is and is not covered. Throughout this policy the words "you"and "your"refer to the Named Insured shown in the Declarations.The words "we", "us"and "our"refer to the stock insurance company member of The Hartford providing this insurance. CTheword "insured" means any person or organization qualifying as such under Section . -Who Is An Insured. GOtherwordsandphrasesthatappearinquotationmarkshavespecialmeaning.Refer to Section .-Liability And Medical Expenses Definitions. (a)The "bodily injury"or "property A.COVERAGES damage"is caused by an 1.BUSINESS LIABILITY COVERAGE (BODILY "occurrence"that takes place in the INJURY,PROPERTY DAMAGE,PERSONAL "coverage territory";AND ADVERTISING INJURY) (b)The "bodily injury"or "propertyInsuringAgreementdamage"occurs during the policy a.We will pay those sums that the insured period; and becomes legally obligated to pay as (c)Prior to the policy period,no insureddamagesbecauseof"bodily injury", 1.listed under Paragraph of Section"property damage"or "personal and C.–Who Is An Insured and noadvertisinginjury"to which this insurance "employee"authorized by you to giveapplies.We will have the right and duty to or receive notice of an "occurrence"defend the insured against any "suit" or claim, knew that the "bodily injury"seeking those damages.However,we will or "property damage"had occurred,have no duty to defend the insured against in whole or in part.If such a listedany"suit"seeking damages for "bodily insured or authorized "employee"injury","property damage"or "personal and knew,prior to the policy period,thatadvertisinginjury"to which this insurance the "bodily injury"or "propertydoesnotapply.damage"occurred,then any We may,at our discretion,investigate any continuation,change or resumption "occurrence"or offense and settle any claim of such "bodily injury"or "property or "suit" that may result. But:damage"during or after the policy period will be deemed to have been(1)The amount we will pay for damages is known prior to the policy period.D.limited as described in Section - (2)To "personal and advertising injury" Liability And Medical Expenses Limits caused by an offense arising out of your Of Insurance; and business,but only if the offense was(2)Our right and duty to defend ends when committed in the "coverage territory" we have used up the applicable limit of during the policy period.insurance in the payment of judgments, c."Bodily injury"or "property damage"will be settlements or medical expenses to which deemed to have been known to have this insurance applies. occurred at the earliest time when any No other obligation or liability to pay sums or 1.insured listed under Paragraph of Section perform acts or services is covered unless C.–Who Is An Insured or any "employee" explicitly provided for under Coverage authorized by you to give or receive noticeExtension-Supplementary Payments. of an "occurrence" or claim:b.This insurance applies:(1)Reports all,or any part,of the "bodily (1)To "bodily injury"and "property injury"or "property damage"to us or damage" only if:any other insurer; Form SS 00 08 04 05 Page 1 of 24 © 2005,The Hartford BUSINESS LIABILITY COVERAGE FORM (2)b.Receives a written or verbal demand or We will make these payments regardless of claim for damages because of the "bodily fault.These payments will not exceed the injury"or "property damage";or applicable limit of insurance.We will pay reasonable expenses for:(3)Becomes aware by any other means that (1)"bodily injury"or "property damage"has First aid administered at the time of an occurred or has begun to occur.accident; d.(2)Damages because of "bodily injury"include Necessary medical,surgical,x-ray and damages claimed by any person or dental services,including prosthetic organization for care,loss of services or devices;and death resulting at any time from the "bodily (3)Necessary ambulance,hospital, injury".professional nursing and funeral e.Incidental Medical Malpractice services. (1)"Bodily injury"arising out of the 3.COVERAGE EXTENSION - rendering of or failure to render SUPPLEMENTARY PAYMENTS professional health care services as a a.We will pay,with respect to any claim or physician,dentist,nurse,emergency "suit"we investigate or settle,or any "suit" medical technician or paramedic shall against an insured we defend:be deemed to be caused by an (1)All expenses we incur."occurrence", but only if: (2)Up to $1,000 for the cost of bail bonds (a)The physician,dentist,nurse, required because of accidents or traffic emergency medical technician or law violations arising out of the use of paramedic is employed by you to any vehicle to which Business Liability provide such services; and Coverage for "bodily injury"applies. We (b)You are not engaged in the do not have to furnish these bonds.business or occupation of providing (3)The cost of appeal bonds or bonds to such services. release attachments,but only for bond (2)For the purpose of determining the amounts within the applicable limit of limits of insurance for incidental medical insurance.We do not have to furnish malpractice,any act or omission these bonds.together with all related acts or (4)All reasonable expenses incurred by the omissions in the furnishing of these insured at our request to assist us in the services to any one person will be investigation or defense of the claim or considered one "occurrence"."suit",including actual loss of earnings 2.MEDICAL EXPENSES up to $500 a day because of time off Insuring Agreement from work. a.We will pay medical expenses as described (5)All costs taxed against the insured in below for "bodily injury"caused by an the "suit". accident:(6)Prejudgment interest awarded against (1)On premises you own or rent;the insured on that part of the judgment we pay.If we make an offer to pay the (2)On ways next to premises you own or applicable limit of insurance,we will not rent;or pay any prejudgment interest based on (3)Because of your operations;that period of time after the offer. provided that:(7)All interest on the full amount of any (1)The accident takes place in the judgment that accrues after entry of the "coverage territory"and during the judgment and before we have paid, policy period;offered to pay,or deposited in court the part of the judgment that is within the (2)The expenses are incurred and reported applicable limit of insurance.to us within three years of the date of the accident; and (1)(7)Any amounts paid under through above will not reduce the limits of insurance.(3)The injured person submits to examination,at our expense,by physicians of our choice as often as we reasonably require. Page 2 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM b.If we defend an insured against a "suit" So long as the above conditions are met, and an indemnitee of the insured is also attorneys'fees incurred by us in the named as a party to the "suit",we will defense of that indemnitee,necessary defend that indemnitee if all of the litigation expenses incurred by us and following conditions are met:necessary litigation expenses incurred by the indemnitee at our request will be(1)The "suit"against the indemnitee paid as Supplementary Payments.seeks damages for which the insured has assumed the liability of the Notwithstanding the provisions of 1.b.(b)B.indemnitee in a contract or agreement Paragraph of Section – that is an "insured contract";Exclusions,such payments will not be deemed to be damages for "bodily (2)This insurance applies to such liability injury"and "property damage"and will assumed by the insured; not reduce the Limits of Insurance.(3)The obligation to defend, or the cost of Our obligation to defend an insured's the defense of,that indemnitee,has indemnitee and to pay for attorneys'fees also been assumed by the insured in and necessary litigation expenses as the same "insured contract";Supplementary Payments ends when:(4)The allegations in the "suit"and the (1)We have used up the applicable limit information we know about the of insurance in the payment of "occurrence"are such that no conflict judgments or settlements; orappearstoexistbetweentheinterests (2)of the insured and the interest of the The conditions set forth above,or the indemnitee;terms of the agreement described in (6)Paragraph above,are no longer met.(5)The indemnitee and the insured ask us to conduct and control the defense B.EXCLUSIONS of that indemnitee against such "suit" 1.Applicable To Business Liability Coverageandagreethatwecanassignthe This insurance does not apply to:same counsel to defend the insured and the indemnitee;and a.Expected Or Intended Injury (6)The indemnitee:(1)"Bodily injury"or "property damage" expected or intended from the (a)Agrees in writing to: standpoint of the insured.This (i)Cooperate with us in the exclusion does not apply to "bodily investigation,settlement or injury"or "property damage"resulting defense of the "suit";from the use of reasonable force to (ii)Immediately send us copies of protect persons or property; or any demands,notices, (2)"Personal and advertising injury"arisingsummonsesorlegalpapers out of an offense committed by,at thereceivedinconnectionwith direction of or with the consent orthe "suit";acquiescence of the insured with the (iii)Notify any other insurer whose expectation of inflicting "personal and coverage is available to the advertising injury". indemnitee; and b.Contractual Liability (iv)Cooperate with us with (1)"Bodily injury"or "property damage";orrespecttocoordinatingother (2)"Personal and advertising injury"applicable insurance available to the indemnitee; and for which the insured is obligated to pay damages by reason of the assumption of(b)Provides us with written liability in a contract or agreement.authorization to: This exclusion does not apply to liability (i)Obtain records and other for damages because of:information related to the "suit"; and (a)"Bodily injury","property damage"or "personal and advertising injury"that(ii)Conduct and control the the insured would have in thedefenseoftheindemniteein absence of the contract orsuch"suit". agreement;or Form SS 00 08 04 05 Page 3 of 24 BUSINESS LIABILITY COVERAGE FORM (b)(b)"Bodily injury"or "property damage"Performing duties related to the assumed in a contract or agreement conduct of the insured’s business,or that is an "insured contract",(2)The spouse,child,parent,brother or provided the "bodily injury"or sister of that "employee"as a "property damage"occurs (1)consequence of above. subsequent to the execution of the This exclusion applies:contract or agreement.Solely for (1)Whether the insured may be liable as the purpose of liability assumed in an employer or in any other capacity; an "insured contract",reasonable andattorneys'fees and necessary litigation expenses incurred by or for (2)To any obligation to share damages a party other than an insured are with or repay someone else who must deemed to be damages because of pay damages because of the injury. "bodily injury"or "property damage"This exclusion does not apply to liability provided:assumed by the insured under an "insured (i)Liability to such party for,or for contract". the cost of,that party’s defense f.Pollutionhasalsobeenassumedinthe(1)"Bodily injury","property damage"or same "insured contract",and "personal and advertising injury" (ii)Such attorneys'fees and arising out of the actual,alleged or litigation expenses are for threatened discharge,dispersal, defense of that party against a seepage,migration,release or escape civil or alternative dispute of "pollutants":resolution proceeding in which (a)At or from any premises,site or damages to which this location which is or was at anyinsurance applies are alleged.time owned or occupied by,or c.Liquor Liability rented or loaned to any insured. "Bodily injury"or "property damage"for However,this subparagraph does which any insured may be held liable by not apply to: reason of:(i)"Bodily injury"if sustained within (1)Causing or contributing to the a building and caused by intoxication of any person;smoke,fumes,vapor or soot produced by or originating from(2)The furnishing of alcoholic beverages to equipment that is used to heat,a person under the legal drinking age or cool or dehumidify the building,under the influence of alcohol;or or equipment that is used to(3)Any statute,ordinance or regulation heat water for personal use,byrelatingtothesale,gift,distribution or the building's occupants or theiruseofalcoholicbeverages.guests; This exclusion applies only if you are in the (ii)"Bodily injury"or "propertybusinessofmanufacturing,distributing,damage"for which you may beselling,serving or furnishing alcoholic held liable,if you are abeverages.contractor and the owner ord.Workers'Compensation And Similar lessee of such premises,site orLawslocation has been added to your Any obligation of the insured under a policy as an additional insured workers'compensation,disability benefits with respect to your ongoing or unemployment compensation law or operations performed for that any similar law.additional insured at that premises,site or location ande.Employer’s Liability such premises,site or location"Bodily injury" to: is not and never was owned or(1)An "employee"of the insured arising occupied by,or rented orout of and in the course of:loaned to,any insured,other (a)Employment by the insured;or than that additional insured;or Page 4 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (iii)"Bodily injury"or "property released as part of the damage"arising out of heat, operations being performed smoke or fumes from a by such insured,contractor or "hostile fire";subcontractor; (b)(ii)At or from any premises,site or "Bodily injury"or "property location which is or was at any damage"sustained within a time used by or for any insured or building and caused by the others for the handling,storage, release of gases,fumes or disposal,processing or treatment vapors from materials brought of waste;into that building in connection with operations being performed(c)Which are or were at any time by you or on your behalf by atransported,handled,stored, contractor or subcontractor;ortreated,disposed of,or processed (iii)as waste by or for:"Bodily injury"or "property damage"arising out of heat, (i)Any insured; or smoke or fumes from a (ii)Any person or organization for "hostile fire"; orwhomyoumaybelegally (e)At or from any premises,site orresponsible;location on which any insured or any(d)At or from any premises,site or contractors or subcontractorslocationonwhichanyinsuredor working directly or indirectly on anyanycontractorsorsubcontractors insured’s behalf are performingworkingdirectlyorindirectlyon operations if the operations are toanyinsured's behalf are test for,monitor,clean up,remove,performing operations if the contain,treat,detoxify or neutralize,"pollutants"are brought on or to or in any way respond to,or assessthepremises,site or location in the effects of,"pollutants".connection with such operations (2)Any loss,cost or expense arising out by such insured,contractor or of any:subcontractor.However,this (a)subparagraph does not apply to:Request, demand, order or statutory or regulatory requirement that any(i)"Bodily injury"or "property insured or others test for,monitor,damage"arising out of the clean up,remove,contain,treat,escape of fuels,lubricants or detoxify or neutralize,or in any wayother operating fluids which are respond to,or assess the effects of,needed to perform the normal "pollutants";orelectrical,hydraulic or (b)mechanical functions Claim or suit by or on behalf of a necessary for the operation of governmental authority for "mobile equipment" or its parts,damages because of testing for, if such fuels, lubricants or other monitoring,cleaning up, removing, operating fluids escape from a containing,treating,detoxifying or vehicle part designed to hold,neutralizing,or in any way store or receive them.This responding to,or assessing the exception does not apply if the effects of,"pollutants". "bodily injury"or "property However,this paragraph does not damage"arises out of the apply to liability for damages because intentional discharge,dispersal of "property damage"that the insured or release of the fuels,would have in the absence of such lubricants or other operating request,demand,order or statutory or fluids,or if such fuels,regulatory requirement,or such claim lubricants or other operating or "suit"by or on behalf of a fluids are brought on or to the governmental authority. premises,site or location with the intent that they be discharged,dispersed or Form SS 00 08 04 05 Page 5 of 24 BUSINESS LIABILITY COVERAGE FORM g.Aircraft,Auto Or Watercraft (2)The use of "mobile equipment"in,or while in practice or preparation for,a"Bodily injury"or "property damage"arising prearranged racing,speed or out of the ownership,maintenance,use or demolition contest or in any stunting entrustment to others of any aircraft,"auto"activity.or watercraft owned or operated by or rented i.Warorloanedtoanyinsured.Use includes operation and "loading or unloading"."Bodily injury","property damage"or This exclusion applies even if the claims "personal and advertising injury",however against any insured allege negligence or caused,arising,directly or indirectly,out of: other wrongdoing in the supervision,hiring,(1)War,including undeclared or civil war;employment,training or monitoring of others (2)Warlike action by a military force, by that insured,if the "occurrence"which including action in hindering or caused the "bodily injury"or "property defending against an actual ordamage"involved the ownership,expected attack,by any government, maintenance,use or entrustment to others of sovereign or other authority usinganyaircraft,"auto"or watercraft that is military personnel or other agents; orownedoroperatedbyorrentedorloanedto (3)Insurrection,rebellion,revolution, any insured. usurped power,or action taken by This exclusion does not apply to:governmental authority in hindering or (1)A watercraft while ashore on premises defending against any of these.you own or rent;j.Professional Services(2)A watercraft you do not own that is:"Bodily injury","property damage"or (a)Less than 51 feet long; and "personal and advertising injury"arising out of the rendering of or failure to render (b)Not being used to carry persons any professional service.This includes for a charge; but is not limited to:(3)Parking an "auto"on,or on the ways (1)Legal,accounting or advertisingnextto,premises you own or rent, services;provided the "auto"is not owned by or rented or loaned to you or the insured;(2)Preparing,approving,or failing to prepare or approve maps,shop(4)Liability assumed under any "insured drawings,opinions,reports,surveys,contract"for the ownership, field orders,change orders,designs ormaintenanceoruseofaircraftor drawings and specifications;watercraft; (3)Supervisory,inspection,architectural (5)"Bodily injury"or "property damage" or engineering activities;arising out of the operation of any of f.(2)the equipment listed in Paragraph (4)Medical,surgical,dental,x-ray or f.(3)or of the definition of "mobile nursing services treatment,advice or equipment";or instruction; (6)An aircraft that is not owned by any (5)Any health or therapeutic service insured and is hired,chartered or loaned treatment, advice or instruction; with a paid crew.However,this (6)Any service,treatment,advice or exception does not apply if the insured instruction for the purpose of has any other insurance for such "bodily appearance or skin enhancement,hair injury"or "property damage",whether removal or replacement or personal the other insurance is primary,excess,grooming;contingent or on any other basis. (7)Optical or hearing aid services h.Mobile Equipment including the prescribing,preparation, "Bodily injury"or "property damage" fitting,demonstration or distribution of arising out of:ophthalmic lenses and similar products or hearing aid devices;(1)The transportation of "mobile equipment" by an "auto"owned or operated by or rented or loaned to any insured;or Page 6 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (8)(1)(3)(4)Optometry or optometric services Paragraphs ,and of this including but not limited to examination exclusion do not apply to "property of the eyes and the prescribing,damage"(other than damage by fire)to preparation,fitting,demonstration or premises,including the contents of such distribution of ophthalmic lenses and premises, rented to you for a period of 7 or similar products;fewer consecutive days.A separate Limit of Insurance applies to Damage To (9)Any:Premises Rented To You as described in (a)Body piercing (not including ear D.Section -Limits Of Insurance.piercing);(2)Paragraph of this exclusion does not(b)Tattooing,including but not limited apply if the premises are "your work"and to the insertion of pigments into or were never occupied,rented or held for under the skin; and rental by you. (c)Similar services;(3) (4)Paragraphs and of this exclusion do (10)Services in the practice of pharmacy; not apply to the use of elevators. and (3)(4)(5)(6)Paragraphs ,,and of this (11)Computer consulting,design or exclusion do not apply to liability assumed programming services,including web under a sidetrack agreement. site design.(3)(4)Paragraphs and of this exclusion do (4)(5)Paragraphs and of this exclusion do not apply to "property damage"to not apply to the Incidental Medical borrowed equipment while not being used Malpractice coverage afforded under to perform operations at a job site. 1.e.A.Paragraph in Section -Coverages.(6)Paragraph of this exclusion does not k.Damage To Property apply to "property damage" included in the "products-completed operations hazard"."Property damage" to: l.Damage To Your Product(1)Property you own,rent or occupy, including any costs or expenses "Property damage"to "your product" incurred by you,or any other person, arising out of it or any part of it. organization or entity,for repair, m.Damage To Your Workreplacement,enhancement, "Property damage"to "your work"arising restoration or maintenance of such out of it or any part of it and included in the property for any reason,including "products-completed operations hazard".prevention of injury to a person or damage to another's property;This exclusion does not apply if the damaged work or the work out of which (2)Premises you sell,give away or the damage arises was performed on your abandon,if the "property damage"arises behalf by a subcontractor.out of any part of those premises; n.Damage To Impaired Property Or (3)Property loaned to you;Property Not Physically Injured(4)Personal property in the care,custody "Property damage"to "impaired property" or control of the insured;or property that has not been physically (5)That particular part of real property on injured, arising out of:which you or any contractors or (1)A defect,deficiency,inadequacy or subcontractors working directly or dangerous condition in "your product" indirectly on your behalf are performing or "your work"; oroperations,if the "property damage" (2)arises out of those operations;or A delay or failure by you or anyone acting on your behalf to perform a (6)That particular part of any property contract or agreement in accordance that must be restored,repaired or with its terms.replaced because "your work"was incorrectly performed on it.This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to "your product"or "your work"after it has been put to its intended use. Form SS 00 08 04 05 Page 7 of 24 BUSINESS LIABILITY COVERAGE FORM o.Recall Of Products,Work Or Impaired (c)Title of any literary or artistic work; Property (8)Arising out of an offense committed by Damages claimed for any loss,cost or an insured whose business is: (a)expense incurred by you or others for the Advertising,broadcasting, loss of use,withdrawal,recall,inspection, publishing or telecasting; repair,replacement,adjustment,removal (b)Designing or determining content or disposal of:of web sites for others;or (1)"Your product";(c)An Internet search,access, (2)"Your work";or content or service provider. (3)"Impaired property";However,this exclusion does not if such product,work or property is a.b.c.apply to Paragraphs ,and withdrawn or recalled from the market or under the definition of "personal and from use by any person or organization G.advertising injury"in Section – because of a known or suspected defect, Liability And Medical Expenses deficiency,inadequacy or dangerous Definitions. condition in it.For the purposes of this exclusion, p.Personal And Advertising Injury placing an "advertisement"for or linking to others on your web site,by "Personal and advertising injury": itself,is not considered the business(1)Arising out of oral, written or electronic of advertising,broadcasting, publication of material,if done by or at publishing or telecasting;the direction of the insured with (9)Arising out of an electronic chat room knowledge of its falsity; or bulletin board the insured hosts, (2)Arising out of oral, written or electronic owns,or over which the insured publication of material whose first exercises control;publication took place before the (10)Arising out of the unauthorized use ofbeginningofthepolicy period; another's name or product in your e-mail(3)Arising out of a criminal act committed address,domain name or metatags,orbyor at the direction of the insured;any other similar tactics to mislead (4)Arising out of any breach of contract, another's potential customers; except an implied contract to use (11)Arising out of the violation of a another’s "advertising idea"in your person's right of privacy created by "advertisement";any state or federal act. (5)Arising out of the failure of goods, However,this exclusion does not products or services to conform with apply to liability for damages that the any statement of quality or insured would have in the absence of performance made in your such state or federal act;"advertisement"; (12)Arising out of:(6)Arising out of the wrong description of (a)An "advertisement"for others on the price of goods,products or services; your web site;(7)Arising out of any violation of any (b)Placing a link to a web site of intellectual property rights such as others on your web site;copyright,patent,trademark,trade name,trade secret,service mark or (c)Content from a web site of others other designation of origin or displayed within a frame or border authenticity.on your web site.Content includes information,code,sounds,text,However,this exclusion does not graphics or images;orapplytoinfringement,in your "advertisement",of (d)Computer code,software or programming used to enable:(a)Copyright; (i)Your web site; or(b)Slogan,unless the slogan is also a trademark,trade name,service (ii)The presentation or functionality mark or other designation of origin of an "advertisement"or other or authenticity; or content on your web site; Page 8 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (13)(a)Arising out of a violation of any anti-May be awarded or incurred by trust law;reason of any claim or suit alleging actual or threatened injury (14)Arising out of the fluctuation in price or or damage of any nature or kind to value of any stocks,bonds or other persons or property which would securities; or not have occurred in whole or in (15)Arising out of discrimination or part but for the "asbestos hazard";humiliation committed by or at the (b)Arise out of any request,demand, direction of any "executive officer", order or statutory or regulatory director,stockholder,partner or requirement that any insured or member of the insured. others test for,monitor,clean up, q.Electronic Data remove,encapsulate,contain, Damages arising out of the loss of,loss of treat,detoxify or neutralize or in use of,damage to,corruption of,inability any way respond to or assess the to access,or inability to manipulate effects of an "asbestos hazard"; or "electronic data".(c)Arise out of any claim or suit for r.Employment-Related Practices damages because of testing for, monitoring,cleaning up,removing,"Bodily injury"or "personal and advertising encapsulating,containing,treating,injury"to: detoxifying or neutralizing or in any(1)A person arising out of any:way responding to or assessing the (a)Refusal to employ that person;effects of an "asbestos hazard". (b)Termination of that person's t.Violation Of Statutes That Govern E- employment; or Mails,Fax,Phone Calls Or Other Methods Of Sending Material Or (c)Employment-related practices, Informationpolicies,acts or omissions,such as coercion,demotion,evaluation,"Bodily injury","property damage",or reassignment,discipline,"personal and advertising injury"arising defamation,harassment,humiliation directly or indirectly out of any action or or discrimination directed at that omission that violates or is alleged to person;or violate: (2)The spouse,child,parent,brother or (1)The Telephone Consumer Protection sister of that person as a Act (TCPA),including any amendment consequence of "bodily injury"or of or addition to such law; "personal and advertising injury" to the (2)The CAN-SPAM Act of 2003, including person at whom any of the any amendment of or addition to such employment-related practices law;or(a)(b)(c)described in Paragraphs ,,or (3)Any statute,ordinance or regulation,above is directed. other than the TCPA or CAN-SPAM ActThisexclusion applies:of 2003,that prohibits or limits the (1)Whether the insured may be liable as sending,transmitting,communicating or an employer or in any other capacity;distribution of material or information. and Damage To Premises Rented To You – (2)To any obligation to share damages Exception For Damage By Fire,Lightning with or repay someone else who must or Explosion pay damages because of the injury.c.h.k.o.Exclusions through and through do s.Asbestos not apply to damage by fire,lightning or explosion to premises rented to you or (1)"Bodily injury","property damage"or temporarily occupied by you with permission of "personal and advertising injury" the owner.A separate Limit of Insurance arising out of the "asbestos hazard". applies to this coverage as described in (2)Any damages,judgments,settlements,D.Section -Liability And Medical Expensesloss,costs or expenses that:Limits Of Insurance. Form SS 00 08 04 05 Page 9 of 24 BUSINESS LIABILITY COVERAGE FORM 2.Applicable To Medical Expenses Coverage e.A trust,you are an insured.Your trustees are also insureds,but only with respect to We will not pay expenses for "bodily injury":their duties as trustees.a.Any Insured 2.Each of the following is also an insured:To any insured,except "volunteer workers". a.Employees And Volunteer Workersb.Hired Person Your "volunteer workers"only whileTo a person hired to do work for or on behalf performing duties related to the conduct of of any insured or a tenant of any insured.your business,or your "employees",other c.Injury On Normally Occupied Premises than either your "executive officers"(if you To a person injured on that part of are an organization other than a premises you own or rent that the person partnership,joint venture or limited liability normally occupies.company)or your managers (if you are a limited liability company),but only for acts d.Workers'Compensation And Similar within the scope of their employment by Laws you or while performing duties related to To a person,whether or not an the conduct of your business."employee"of any insured,if benefits for However,none of these "employees"or the "bodily injury"are payable or must be "volunteer workers" are insureds for:provided under a workers'compensation or disability benefits law or a similar law.(1)"Bodily injury"or "personal and advertising injury":e.Athletics Activities (a)To you,to your partners or To a person injured while practicing, members (if you are a partnership instructing or participating in any physical or joint venture),to your members exercises or games,sports or athletic (if you are a limited liability contests. company),or to a co-"employee"f.Products-Completed Operations Hazard while in the course of his or her Included with the "products-completed employment or performing duties operations hazard".related to the conduct of your business,or to your other g.Business Liability Exclusions "volunteer workers"while Excluded under Business Liability Coverage.performing duties related to the C.WHO IS AN INSURED conduct of your business; 1.If you are designated in the Declarations as:(b)To the spouse,child,parent, brother or sister of that co-a.An individual,you and your spouse are "employee"or that "volunteer insureds,but only with respect to the worker"as a consequence of conduct of a business of which you are the (1)(a)Paragraph above;sole owner. (c)For which there is any obligation b.A partnership or joint venture,you are an to share damages with or repay insured.Your members,your partners,and someone else who must pay their spouses are also insureds,but only with damages because of the injury respect to the conduct of your business. (1)(a)described in Paragraphs orc.A limited liability company,you are an (b) above; orinsured.Your members are also insureds, (d)Arising out of his or her providing but only with respect to the conduct of your or failing to provide professional business.Your managers are insureds,but health care services.only with respect to their duties as your managers.If you are not in the business of providing professional health cared.An organization other than a partnership, (d)services,Paragraph does not applyjointventureorlimitedliabilitycompany,you to any nurse,emergency medicalareaninsured.Your "executive officers"and technician or paramedic employed bydirectorsareinsureds,but only with respect you to provide such services.to their duties as your officers or directors. Your stockholders are also insureds,but only (2)"Property damage" to property: with respect to their liability as stockholders.(a)Owned,occupied or used by, Page 10 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (b)b.Rented to,in the care,custody or Coverage under this provision does not control of,or over which physical apply to: control is being exercised for any (1)"Bodily injury"or "property damage" purpose by you,any of your that occurred;or"employees","volunteer workers", (2)"Personal and advertising injury" any partner or member (if you are arising out of an offense committedapartnershiporjointventure),or before you acquired or formed the any member (if you are a limited organization.liability company). 4.Operator Of Mobile Equipmentb.Real Estate Manager With respect to "mobile equipment"registered inAny person (other than your "employee"or your name under any motor vehicle registration"volunteer worker"),or any organization law,any person is an insured while driving suchwhileacting as your real estate manager. equipment along a public highway with yourc.Temporary Custodians Of Your permission.Any other person or organizationPropertyresponsiblefortheconductofsuchpersonisAnypersonororganizationhavingproper also an insured,but only with respect to liabilitytemporarycustodyofyourpropertyifyou arising out of the operation of the equipment,anddie,but only:only if no other insurance of any kind is available (1)With respect to liability arising out of the to that person or organization for this liability. maintenance or use of that property;and However, no person or organization is an insured with respect to:(2)Until your legal representative has been appointed.a."Bodily injury"to a co-"employee"of the person driving the equipment;ord.Legal Representative If You Die b."Property damage"to property owned by, Your legal representative if you die,but rented to,in the charge of or occupied byonlywithrespecttodutiesassuch.That you or the employer of any person who is representative will have all your rights and an insured under this provision.duties under this insurance. 5.Operator of Nonowned Watercrafte.Unnamed Subsidiary With respect to watercraft you do not own that Any subsidiary and subsidiary thereof,of is less than 51 feet long and is not being used yours which is a legally incorporated entity to carry persons for a charge, any person is an of which you own a financial interest of insured while operating such watercraft with more than 50%of the voting stock on the your permission.Any other person or effective date of this Coverage Part.organization responsible for the conduct of The insurance afforded herein for any such person is also an insured,but only with subsidiary not shown in the Declarations respect to liability arising out of the operation as a named insured does not apply to of the watercraft,and only if no otherinjuryordamagewithrespecttowhichan insurance of any kind is available to that insured under this insurance is also an person or organization for this liability.insured under another policy or would be However,no person or organization is an an insured under such policy but for its insured with respect to:termination or upon the exhaustion of its limits of insurance.a."Bodily injury"to a co-"employee"of the person operating the watercraft;or3.Newly Acquired Or Formed Organization b."Property damage"to property owned by,Any organization you newly acquire or form, rented to,in the charge of or occupied by other than a partnership,joint venture or you or the employer of any person who is limited liability company,and over which you an insured under this provision.maintain financial interest of more than 50%of the voting stock,will qualify as a Named 6.Additional Insureds When Required By Insured if there is no other similar insurance Written Contract,Written Agreement Or available to that organization. However:Permit a.Coverage under this provision is afforded The person(s)or organization(s)identified in only until the 180th day after you acquire a.f.Paragraphs through below are additional or form the organization or the end of the insureds when you have agreed,in a written policy period, whichever is earlier; and Form SS 00 08 04 05 Page 11 of 24 BUSINESS LIABILITY COVERAGE FORM (e)contract,written agreement or because of a Any failure to make such permit issued by a state or political inspections,adjustments,tests or subdivision,that such person or organization servicing as the vendor has be added as an additional insured on your agreed to make or normally policy,provided the injury or damage occurs undertakes to make in the usual subsequent to the execution of the contract or course of business,in connection agreement, or the issuance of the permit.with the distribution or sale of the products;A person or organization is an additional (f)Demonstration,installation, insured under this provision only for that servicing or repair operations, period of time required by the contract,except such operations performed agreement or permit.at the vendor's premises in However,no such person or organization is an connection with the sale of the additional insured under this provision if such product;person or organization is included as an (g)Products which,after distribution additional insured by an endorsement issued or sale by you,have been labeled by us and made a part of this Coverage Part, or relabeled or used as a including all persons or organizations added container,part or ingredient of any as additional insureds under the specific other thing or substance by or for additional insured coverage grants in Section the vendor; orF.–Optional Additional Insured Coverages. (h)"Bodily injury"or "property a.Vendors damage"arising out of the sole Any person(s)or organization(s)(referred to negligence of the vendor for its below as vendor),but only with respect to own acts or omissions or those of"bodily injury"or "property damage"arising its employees or anyone else out of "your products"which are distributed acting on its behalf. However, thisorsoldintheregularcourseofthevendor's exclusion does not apply to:business and only if this Coverage Part (i)The exceptions contained in provides coverage for "bodily injury"or (d)(f)Subparagraphs or ;or"property damage"included within the (ii)"products-completed operations hazard".Such inspections,adjustments, tests or servicing as the vendor(1)The insurance afforded to the vendor has agreed to make or normallyissubjecttothefollowingadditional undertakes to make in the usualexclusions:course of business,inThisinsurancedoes not apply to:connection with the distribution (a)"Bodily injury"or "property or sale of the products. damage"for which the vendor is (2)This insurance does not apply to anyobligatedtopaydamagesby insured person or organization fromreasonoftheassumptionof whom you have acquired such products,liability in a contract or agreement. or any ingredient,part or container,This exclusion does not apply to entering into,accompanying orliabilityfordamagesthatthe containing such products.vendor would have in the absence b.Lessors Of Equipmentof the contract or agreement; (1)Any person or organization from (b)Any express warranty whom you lease equipment;but only unauthorized by you;with respect to their liability for "bodily (c)Any physical or chemical change injury","property damage"orintheproductmadeintentionally "personal and advertising injury"by the vendor;caused,in whole or in part,by your (d)Repackaging,except when maintenance,operation or use of unpacked solely for the purpose of equipment leased to you by such inspection,demonstration,testing,person or organization. or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; Page 12 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (2)e.Permits Issued By State Or Political With respect to the insurance afforded Subdivisionstotheseadditionalinsureds,this insurance does not apply to any (1)Any state or political subdivision,but "occurrence"which takes place after only with respect to operationsyoucease to lease that equipment.performed by you or on your behalf for c.Lessors Of Land Or Premises which the state or political subdivision has issued a permit.(1)Any person or organization from (2)whom you lease land or premises,but With respect to the insurance afforded only with respect to liability arising out to these additional insureds,this of the ownership,maintenance or use insurance does not apply to: of that part of the land or premises (a)"Bodily injury","property damage" leased to you.or "personal and advertising (2)With respect to the insurance afforded injury"arising out of operations to these additional insureds,this performed for the state or insurance does not apply to:municipality; or (a)(b)Any "occurrence"which takes "Bodily injury"or "property damage" place after you cease to lease that included within the "products- land or be a tenant in that completed operations hazard". premises; or f.Any Other Party (b)Structural alterations,new (1)Any other person or organization who construction or demolition a.is not an insured under Paragraphsoperationsperformedbyoron ethrough.above,but only withbehalfofsuchpersonor respect to liability for "bodily injury", organization."property damage"or "personal and d.Architects, Engineers Or Surveyors advertising injury"caused,in whole or in part,by your acts or omissions or(1)Any architect,engineer,or surveyor,but the acts or omissions of those acting only with respect to liability for "bodily on your behalf:injury","property damage"or "personal (a)and advertising injury"caused,in whole In the performance of your or in part,by your acts or omissions or ongoing operations; the acts or omissions of those acting on (b)In connection with your premises your behalf:owned by or rented to you;or (a)In connection with your premises; (c)In connection with "your work" and or included within the "products- (b)In the performance of your completed operations hazard",but ongoing operations performed by only if you or on your behalf.(i)The written contract or written (2)With respect to the insurance afforded agreement requires you to to these additional insureds,the provide such coverage to following additional exclusion applies:such additional insured;and (ii)This insurance does not apply to This Coverage Part provides "bodily injury","property damage"or coverage for "bodily injury"or "personal and advertising injury" "property damage"included arising out of the rendering of or the within the "products- failure to render any professional completed operations hazard". services by or for you, including:(2)With respect to the insurance afforded (a)The preparing,approving,or to these additional insureds,this failure to prepare or approve, insurance does not apply to: maps,shop drawings,opinions, "Bodily injury","property damage"or reports,surveys,field orders, "personal and advertising injury" change orders,designs or arising out of the rendering of,or the drawings and specifications; or failure to render,any professional (b)Supervisory,inspection, architectural,engineering or surveying architectural or engineering services,including: activities. Form SS 00 08 04 05 Page 13 of 24 BUSINESS LIABILITY COVERAGE FORM (a)The preparing,approving,or This General Aggregate limit does not failure to prepare or approve, apply to "property damage"to premises maps,shop drawings,opinions, while rented to you or temporarily reports,surveys,field orders, occupied by you with permission of the change orders,designs or owner,arising out of fire,lightning or drawings and specifications; or explosion. (b)3.Each Occurrence LimitSupervisory,inspection, architectural or engineering 2.a.2.bSubjecttoor above,whichever activities.applies,the most we will pay for the sum of all The limits of insurance that apply to additional damages because of all "bodily injury", D.insureds are described in Section –Limits "property damage"and medical expenses Of Insurance.arising out of any one "occurrence"is the Liability and Medical Expenses Limit shown in How this insurance applies when other the Declarations.insurance is available to an additional insured is described in the Other Insurance Condition The most we will pay for all medical expenses E.in Section – Liability And Medical Expenses because of "bodily injury"sustained by any General Conditions.one person is the Medical Expenses Limit shown in the Declarations.No person or organization is an insured with 4.Personal And Advertising Injury Limitrespecttotheconductofanycurrentorpast partnership,joint venture or limited liability 2.b.Subject to above,the most we will pay for company that is not shown as a Named Insured in the sum of all damages because of all the Declarations."personal and advertising injury"sustained by any one person or organization is the Personal D.LIABILITY AND MEDICAL EXPENSES and Advertising Injury Limit shown in the LIMITS OF INSURANCE Declarations.1.The Most We Will Pay 5.Damage To Premises Rented To You LimitTheLimitsofInsuranceshowninthe The Damage To Premises Rented To You Declarations and the rules below fix the most Limit is the most we will pay under Business we will pay regardless of the number of:Liability Coverage for damages because of a.Insureds;"property damage"to any one premises,while b.Claims made or "suits" brought;or rented to you, or in the case of damage by fire, lightning or explosion,while rented to you or c.Persons or organizations making claims or temporarily occupied by you with permission of bringing "suits". the owner. 2.Aggregate Limits In the case of damage by fire,lightning or The most we will pay for:explosion, the Damage to Premises Rented To a.Damages because of "bodily injury"and You Limit applies to all damage proximately "property damage"included in the caused by the same event,whether such "products-completed operations hazard"is damage results from fire,lightning or explosion the Products-Completed Operations or any combination of these. Aggregate Limit shown in the 6.How Limits Apply To Additional InsuredsDeclarations. The most we will pay on behalf of a person or b.Damages because of all other "bodily organization who is an additional insured injury","property damage"or "personal under this Coverage Part is the lesser of:and advertising injury",including medical a.The limits of insurance specified in a expenses,is the General Aggregate Limit written contract,written agreement or shown in the Declarations. permit issued by a state or political This General Aggregate Limit applies subdivision;orseparatelytoeachofyour"locations" b.The Limits of Insurance shown in the owned by or rented to you. Declarations."Location"means premises involving the Such amount shall be a part of and not in same or connecting lots,or premises addition to the Limits of Insurance shown in whose connection is interrupted only by a the Declarations and described in this Section.street,roadway or right-of-way of a railroad. Page 14 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (1)If more than one limit of insurance under this Immediately send us copies of any policy and any endorsements attached thereto demands,notices,summonses or applies to any claim or "suit",the most we will pay legal papers received in connection under this policy and the endorsements is the with the claim or "suit"; single highest limit of liability of all coverages (2)Authorize us to obtain records and applicable to such claim or "suit".However,this other information;paragraph does not apply to the Medical Expenses (3)Cooperate with us in the investigation, 3.limit set forth in Paragraph above.settlement of the claim or defense The Limits of Insurance of this Coverage Part apply against the "suit";and separately to each consecutive annual period and to (4)Assist us,upon our request,in the any remaining period of less than 12 months, starting enforcement of any right against any with the beginning of the policy period shown in the person or organization that may be Declarations,unless the policy period is extended liable to the insured because of injury after issuance for an additional period of less than 12 or damage to which this insurance months.In that case,the additional period will be may also apply.deemed part of the last preceding period for purposes d.Obligations At The Insured's Own CostofdeterminingtheLimitsofInsurance. No insured will,except at that insured's ownE.LIABILITY AND MEDICAL EXPENSES cost,voluntarily make a payment,assumeGENERAL CONDITIONS any obligation,or incur any expense,other than for first aid,without our consent.1.Bankruptcy e.Additional Insured's Other InsuranceBankruptcyorinsolvencyoftheinsuredorof the insured's estate will not relieve us of our If we cover a claim or "suit"under this obligations under this Coverage Part.Coverage Part that may also be covered by other insurance available to an 2.Duties In The Event Of Occurrence, additional insured,such additional insured Offense, Claim Or Suit must submit such claim or "suit"to the a.Notice Of Occurrence Or Offense other insurer for defense and indemnity.You or any additional insured must see to However,this provision does not apply to it that we are notified as soon as the extent that you have agreed in a practicable of an "occurrence"or an written contract,written agreement or offense which may result in a claim.To permit that this insurance is primary and the extent possible,notice should include:non-contributory with the additional (1)How,when and where the "occurrence"insured's own insurance. or offense took place;f.Knowledge Of An Occurrence,Offense,(2)The names and addresses of any Claim Or Suitinjuredpersons and witnesses;and a.b.Paragraphs and apply to you or to (3)The nature and location of any injury any additional insured only when such or damage arising out of the "occurrence",offense,claim or "suit"is "occurrence"or offense.known to: b.Notice Of Claim (1)You or any additional insured that is an individual;If a claim is made or "suit"is brought against any insured,you or any additional (2)Any partner,if you or an additional insured must:insured is a partnership; (1)Immediately record the specifics of the (3)Any manager,if you or an additional claim or "suit"and the date received; insured is a limited liability company; and (4)Any "executive officer"or insurance (2)Notify us as soon as practicable.manager,if you or an additional insured is a corporation;You or any additional insured must see to it that we receive a written notice of the (5)Any trustee,if you or an additional claim or "suit" as soon as practicable.insured is a trust;or c.Assistance And Cooperation Of The (6)Any elected or appointed official, if you Insured or an additional insured is a political subdivision or public entity.You and any other involved insured must: Form SS 00 08 04 05 Page 15 of 24 BUSINESS LIABILITY COVERAGE FORM f.(3)This Paragraph applies separately to We have issued this policy in reliance you and any additional insured.upon your representations. 3.Financial Responsibility Laws b.Unintentional Failure To Disclose Hazardsa.When this policy is certified as proof of financial responsibility for the future under If unintentionally you should fail to disclose the provisions of any motor vehicle all hazards relating to the conduct of your financial responsibility law,the insurance business at the inception date of this provided by the policy for "bodily injury" Coverage Part,we shall not deny any liability and "property damage"liability will coverage under this Coverage Part comply with the provisions of the law to because of such failure. the extent of the coverage and limits of 7.Other Insuranceinsurance required by that law.If other valid and collectible insurance is b.With respect to "mobile equipment"to available for a loss we cover under this which this insurance applies,we will Coverage Part,our obligations are limited as provide any liability,uninsured motorists, follows:underinsured motorists,no-fault or other a.Primary Insurancecoveragerequiredbyanymotorvehicle b.law.We will provide the required limits for This insurance is primary except when those coverages.below applies.If other insurance is also primary,we will share with all that other 4.Legal Action Against Us c.insurance by the method described inNopersonororganizationhasarightunder below.this Coverage Form: b.Excess Insurancea.To join us as a party or otherwise bring us This insurance is excess over any of the into a "suit"asking for damages from an other insurance,whether primary,excess, insured;or contingent or on any other basis:b.To sue us on this Coverage Form unless (1)Your Workallofitstermshavebeenfullycomplied with.That is Fire,Extended Coverage, Builder's Risk,Installation Risk or A person or organization may sue us to recover similar coverage for "your work";on an agreed settlement or on a final judgment against an insured;but we will not be liable for (2)Premises Rented To You damages that are not payable under the terms of That is fire,lightning or explosion this insurance or that are in excess of the insurance for premises rented to you applicable limit of insurance.An agreed or temporarily occupied by you with settlement means a settlement and release of permission of the owner;liability signed by us,the insured and the (3)Tenant Liabilityclaimantortheclaimant's legal representative. That is insurance purchased by you to 5.Separation Of Insureds cover your liability as a tenant for Except with respect to the Limits of Insurance, "property damage"to premises rented and any rights or duties specifically assigned to you or temporarily occupied by you in this policy to the first Named Insured,this with permission of the owner;insurance applies: (4)Aircraft,Auto Or Watercrafta.As if each Named Insured were the only If the loss arises out of the maintenanceNamed Insured;and or use of aircraft, "autos" or watercraft tob.Separately to each insured against whom g.the extent not subject to Exclusion ofaclaimismadeor "suit"is brought.A.Section –Coverages. 6.Representations (5)Property Damage To Borrowed a.When You Accept This Policy Equipment Or Use Of Elevators By accepting this policy,you agree:If the loss arises out of "property damage"to borrowed equipment or (1)The statements in the Declarations the use of elevators to the extent not are accurate and complete; k.A.subject to Exclusion of Section –(2)Those statements are based upon Coverages.representations you made to us; and Page 16 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (6)When You Are Added As An When this insurance is excess over other Additional Insured To Other insurance,we will pay only our share of Insurance the amount of the loss,if any,that exceeds the sum of:That is other insurance available to (1)you covering liability for damages The total amount that all such other arising out of the premises or insurance would pay for the loss in the operations,or products and completed absence of this insurance;and operations,for which you have been (2)The total of all deductible and self- added as an additional insured by that insured amounts under all that other insurance;or insurance. (7)When You Add Others As An We will share the remaining loss,if any, withAdditionalInsuredToThis any other insurance that is not described inInsurancethis Excess Insurance provision and was not That is other insurance available to an bought specifically to apply in excess of the additional insured.Limits of Insurance shown in the Declarations of this Coverage Part.However,the following provisions c.Method Of Sharingapplytootherinsuranceavailableto any person or organization who is an If all the other insurance permits additional insured under this Coverage contribution by equal shares, we will follow Part:this method also.Under this approach, (a)Primary Insurance When each insurer contributes equal amounts Required By Contract until it has paid its applicable limit of insurance or none of the loss remains, This insurance is primary if you whichever comes first.have agreed in a written contract, written agreement or permit that If any of the other insurance does not permit this insurance be primary.If other contribution by equal shares,we will insurance is also primary,we will contribute by limits.Under this method,each share with all that other insurance insurer’s share is based on the ratio of its c.by the method described in applicable limit of insurance to the total below.applicable limits of insurance of all insurers. (b)Primary And Non-Contributory 8.Transfer Of Rights Of Recovery Against To Other Insurance When Others To Us Required By Contract a.Transfer Of Rights Of Recovery If you have agreed in a written If the insured has rights to recover all or contract,written agreement or part of any payment,including permit that this insurance is Supplementary Payments,we have made primary and non-contributory with under this Coverage Part,those rights aretheadditionalinsured's own transferred to us.The insured must do insurance,this insurance is nothing after loss to impair them.At our primary and we will not seek request,the insured will bring "suit"or contribution from that other transfer those rights to us and help us insurance.enforce them.This condition does not (a)(b)Paragraphs and do not apply to apply to Medical Expenses Coverage. other insurance to which the additional b.Waiver Of Rights Of Recovery (Waiver insured has been added as an Of Subrogation)additional insured.If the insured has waived any rights of When this insurance is excess,we will recovery against any person or have no duty under this Coverage Part to organization for all or part of any payment, defend the insured against any "suit" if any including Supplementary Payments,we other insurer has a duty to defend the have made under this Coverage Part,we insured against that "suit".If no other also waive that right,provided the insured insurer defends,we will undertake to do waived their rights of recovery againstso,but we will be entitled to the insured's such person or organization in a contract, rights against all those other insurers.agreement or permit that was executed prior to the injury or damage. Form SS 00 08 04 05 Page 17 of 24 BUSINESS LIABILITY COVERAGE FORM 3.Additional Insured -Grantor Of FranchiseF.OPTIONAL ADDITIONAL INSURED C.WHO IS AN INSURED under Section isCOVERAGES amended to include as an additional insured If listed or shown as applicable in the Declarations,the person(s)or organization(s)shown in the one or more of the following Optional Additional Declarations as an Additional Insured -Insured Coverages also apply. When any of these Grantor Of Franchise,but only with respect to Optional Additional Insured Coverages apply, their liability as grantor of franchise to you.6.Paragraph (Additional Insureds When Required 4.Additional Insured -Lessor Of LeasedbyWrittenContract,Written Agreement or Permit) EquipmentC.of Section ,Who Is An Insured,does not apply to the person or organization shown in the a.C.WHO IS AN INSURED under Section is Declarations.These coverages are subject to the amended to include as an additional terms and conditions applicable to Business insured the person(s)or organization(s) Liability Coverage in this policy,except as shown in the Declarations as an Additional provided below:Insured –Lessor of Leased Equipment, but only with respect to liability for "bodily 1.Additional Insured -Designated Person Or injury","property damage"or "personal Organization and advertising injury"caused,in whole or C.WHO IS AN INSURED under Section is in part,by your maintenance,operation oramendedtoincludeasanadditionalinsured use of equipment leased to you by such the person(s)or organization(s)shown in the person(s)or organization(s).Declarations,but only with respect to liability b.With respect to the insurance afforded to for "bodily injury","property damage"or these additional insureds,this insurance "personal and advertising injury"caused,in does not apply to any "occurrence"which whole or in part,by your acts or omissions or takes place after you cease to lease that the acts or omissions of those acting on your equipment.behalf: 5.Additional Insured -Owners Or Other a.In the performance of your ongoing Interests From Whom Land Has Been operations; or Leasedb.In connection with your premises owned a.C. WHO IS AN INSURED under Section is by or rented to you. amended to include as an additional 2.Additional Insured -Managers Or Lessors insured the person(s)or organization(s) Of Premises shown in the Declarations as an Additional a.C.WHO IS AN INSURED under Section is Insured – Owners Or Other Interests FromamendedtoincludeasanadditionalinsuredWhomLandHasBeenLeased,but only the person(s) or organization(s)shown in the with respect to liability arising out of the Declarations as an Additional Insured -ownership, maintenance or use of that part Designated Person Or Organization;but only of the land leased to you and shown in the with respect to liability arising out of the Declarations.ownership,maintenance or use of that part of b.With respect to the insurance afforded to the premises leased to you and shown in the these additional insureds,the following Declarations.additional exclusions apply:b.With respect to the insurance afforded to This insurance does not apply to:these additional insureds,the following (1)Any "occurrence"that takes place additional exclusions apply: after you cease to lease that land;orThisinsurancedoes not apply to: (2)Structural alterations,new (1)Any "occurrence"which takes place construction or demolition operations after you cease to be a tenant in that performed by or on behalf of such premises; or person or organization.(2)Structural alterations,new 6.Additional Insured -State Or Politicalconstructionordemolitionoperations Subdivision –Permitsperformedbyoronbehalfofsuch a.C.WHO IS AN INSURED under Section ispersonor organization. amended to include as an additional insured the state or political subdivision shown in the Declarations as an Additional Page 18 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (e)Insured –State Or Political Subdivision -Any failure to make such Permits,but only with respect to inspections,adjustments,tests or operations performed by you or on your servicing as the vendor has agreed behalf for which the state or political to make or normally undertakes to subdivision has issued a permit.make in the usual course of business,in connection with theb.With respect to the insurance afforded to distribution or sale of the products;these additional insureds,the following (f)Demonstration,installation, additional exclusions apply: servicing or repair operations, This insurance does not apply to:except such operations performed (1)"Bodily injury","property damage"or at the vendor's premises in "personal and advertising injury" connection with the sale of thearisingoutofoperationsperformedfor product;the state or municipality;or (g)Products which,after distribution (2)"Bodily injury"or "property damage" or sale by you,have been labeled included in the "product-completed or relabeled or used as a operations"hazard.container,part or ingredient of any 7.Additional Insured –Vendors other thing or substance by or for the vendor; ora.C.WHO IS AN INSURED under Section is amended to include as an additional (h)"Bodily injury"or "property insured the person(s)or organization(s) damage"arising out of the sole (referred to below as vendor)shown in the negligence of the vendor for its Declarations as an Additional Insured -own acts or omissions or those of Vendor,but only with respect to "bodily its employees or anyone else injury"or "property damage"arising out of acting on its behalf. However, this "your products"which are distributed or exclusion does not apply to: sold in the regular course of the vendor's (i)The exceptions contained in business and only if this Coverage Part (d)(f)Subparagraphs or ;orprovidescoveragefor"bodily injury"or (ii)Such inspections, "property damage"included within the adjustments,tests or servicing "products-completed operations hazard".as the vendor has agreed to b.The insurance afforded to the vendor is make or normally undertakes subject to the following additional exclusions:to make in the usual course of (1)This insurance does not apply to:business,in connection with the distribution or sale of the (a)"Bodily injury"or "property products.damage"for which the vendor is obligated to pay damages by (2)This insurance does not apply to any reason of the assumption of insured person or organization from liability in a contract or agreement. whom you have acquired such This exclusion does not apply to products,or any ingredient,part or liability for damages that the container,entering into, vendor would have in the absence accompanying or containing such of the contract or agreement;products. (b)Any express warranty 8.Additional Insured –Controlling Interest unauthorized by you;C.WHO IS AN INSURED under Section is (c)Any physical or chemical change amended to include as an additional insured in the product made intentionally the person(s)or organization(s)shown in the by the vendor;Declarations as an Additional Insured – Controlling Interest,but only with respect to (d)Repackaging,unless unpacked their liability arising out of:solely for the purpose of inspection, demonstration,testing,or the a.Their financial control of you;or substitution of parts under b.Premises they own,maintain or control instructions from the manufacturer,while you lease or occupy these premises.and then repackaged in the original container; Form SS 00 08 04 05 Page 19 of 24 BUSINESS LIABILITY COVERAGE FORM This insurance does not apply to structural The limits of insurance that apply to additional D.alterations,new construction and demolition insureds are described in Section –Limits Of operations performed by or for that person or Insurance. organization.How this insurance applies when other insurance 9.Additional Insured –Owners,Lessees Or is available to an additional insured is described in Contractors –Scheduled Person Or E.the Other Insurance Condition in Section – Organization Liability And Medical Expenses General Conditions.a.C. WHO IS AN INSURED under Section is amended to include as an additional G.LIABILITY AND MEDICAL EXPENSES insured the person(s)or organization(s) DEFINITIONSshown in the Declarations as an Additional 1."Advertisement"means the widespread public Insured –Owner,Lessees Or Contractors, dissemination of information or images that but only with respect to liability for "bodily has the purpose of inducing the sale of goods, injury","property damage"or "personal products or services through:and advertising injury"caused,in whole or in part,by your acts or omissions or the a. (1)Radio; acts or omissions of those acting on your (2)Television;behalf:(3)Billboard; (1)In the performance of your ongoing (4)Magazine;operations for the additional (5)Newspaper;insured(s);or b.The Internet,but only that part of a web (2)In connection with "your work" site that is about goods,products or performed for that additional insured services for the purposes of inducing the and included within the "products-sale of goods, products or services; orcompletedoperationshazard",but c.Any other publication that is given only if this Coverage Part provides widespread public distribution.coverage for "bodily injury"or "property damage"included within the However, "advertisement"does not include:"products-completed operations a.The design,printed material,information hazard".or images contained in,on or upon the b.With respect to the insurance afforded to packaging or labeling of any goods or these additional insureds,this insurance products;or does not apply to "bodily injury","property b.An interactive conversation between ordamage"or "personal an advertising among persons through a computer network.injury"arising out of the rendering of,or 2."Advertising idea"means any idea for an the failure to render,any professional "advertisement".architectural,engineering or surveying services,including:3."Asbestos hazard"means an exposure or threat of exposure to the actual or alleged(1)The preparing,approving,or failure to properties of asbestos and includes the mere prepare or approve,maps,shop presence of asbestos in any form.drawings,opinions,reports,surveys, field orders, change orders, designs or 4."Auto"means a land motor vehicle,trailer or drawings and specifications; or semi-trailer designed for travel on public roads,including any attached machinery or (2)Supervisory,inspection,architectural equipment.But "auto"does not include or engineering activities. "mobile equipment".10.Additional Insured –Co-Owner Of Insured 5."Bodily injury" means physical:Premises a.Injury;C.WHO IS AN INSURED under Section is amended to include as an additional insured b.Sickness; or the person(s)or Organization(s)shown in the c.DiseaseDeclarationsasanAdditionalInsured–Co- sustained by a person and,if arising out of the Owner Of Insured Premises,but only with above, mental anguish or death at any time.respect to their liability as co-owner of the premises shown in the Declarations.6."Coverage territory"means: Page 20 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM a.b.The United States of America (including its You have failed to fulfill the terms of a territories and possessions),Puerto Rico contract or agreement; and Canada;if such property can be restored to use by: b.International waters or airspace, but only if a.The repair,replacement,adjustment or the injury or damage occurs in the course removal of "your product"or "your work"; of travel or transportation between any ora.places included in above;b.Your fulfilling the terms of the contract or c.All other parts of the world if the injury or agreement.damage arises out of:12."Insured contract"means:(1)Goods or products made or sold by you a.A contract for a lease of premises. a.in the territory described in above;However,that portion of the contract for a (2)The activities of a person whose home lease of premises that indemnifies any aisintheterritorydescribedin. person or organization for damage by fire, above,but is away for a short time on lightning or explosion to premises whileyourbusiness; or rented to you or temporarily occupied by (3)"Personal and advertising injury" you with permission of the owner is offenses that take place through the subject to the Damage To Premises Internet or similar electronic means of Rented To You limit described in Section D.communication –Liability and Medical Expenses Limits of Insurance.provided the insured's responsibility to pay b.damages is determined in the United States of A sidetrack agreement; America (including its territories and c.Any easement or license agreement, possessions),Puerto Rico or Canada,in a including an easement or license "suit"on the merits according to the agreement in connection with construction substantive law in such territory,or in a or demolition operations on or within 50 settlement we agree to.feet of a railroad; 7."Electronic data"means information,facts or d.Any obligation,as required by ordinance, programs:to indemnify a municipality,except in a.Stored as or on;connection with work for a municipality; b.Created or used on; or e.An elevator maintenance agreement; or c.Transmitted to or from f.That part of any other contract or agreement pertaining to your business computer software,including systems and (including an indemnification of a applications software,hard or floppy disks, municipality in connection with work CD-ROMS,tapes,drives,cells,data performed for a municipality)under whichprocessingdevicesoranyothermediawhich you assume the tort liability of another are used with electronically controlled party to pay for "bodily injury"or "property equipment. damage"to a third person or organization, 8."Employee"includes a "leased worker". provided the "bodily injury"or "property "Employee"does not include a "temporary damage"is caused,in whole or in part,by worker".you or by those acting on your behalf. 9."Executive officer"means a person holding Tort liability means a liability that would be any of the officer positions created by your imposed by law in the absence of any charter,constitution,by-laws or any other contract or agreement. similar governing document.f.Paragraph includes that part of any 10."Hostile fire"means one which becomes contract or agreement that indemnifies a uncontrollable or breaks out from where it was railroad for "bodily injury"or "property intended to be.damage"arising out of construction or demolition operations within 50 feet of any 11."Impaired property"means tangible property, railroad property and affecting any railroad other than "your product"or "your work",that bridge or trestle,tracks,road-beds,tunnel, cannot be used or is less useful because: underpass or crossing.a.It incorporates "your product"or "your work" f.However,Paragraph does not include that is known or thought to be defective, that part of any contract or agreement:deficient,inadequate or dangerous;or Form SS 00 08 04 05 Page 21 of 24 BUSINESS LIABILITY COVERAGE FORM (1)(1)That indemnifies an architect, Power cranes,shovels,loaders, engineer or surveyor for injury or diggers or drills; or damage arising out of:(2)Road construction or resurfacing (a)Preparing,approving or failing to equipment such as graders,scrapers prepare or approve maps,shop or rollers; drawings,opinions,reports, e.a.b.c.d.Vehicles not described in ,,,or surveys,field orders,change above that are not self-propelled and are orders,designs or drawings and maintained primarily to provide mobility to specifications;or permanently attached equipment of the (b)Giving directions or instructions, following types: or failing to give them,if that is the (1)Air compressors,pumps and primary cause of the injury or generators,including spraying, damage;or welding,building cleaning, (2)Under which the insured,if an geophysical exploration,lighting and architect,engineer or surveyor, well servicing equipment;or assumes liability for an injury or (2)Cherry pickers and similar devices damage arising out of the insured's used to raise or lower workers;rendering or failure to render f.a.b.c.d.Vehicles not described in ,,,orprofessionalservices,including those above maintained primarily for purposes (1)listed in above and supervisory, other than the transportation of persons orinspection,architectural or cargo.engineering activities. However,self-propelled vehicles with the13."Leased worker"means a person leased to following types of permanently attached you by a labor leasing firm under an equipment are not "mobile equipment"but agreement between you and the labor leasing will be considered "autos":firm, to perform duties related to the conduct of (1)Equipment,of at least 1,000 pounds your business."Leased worker"does not gross vehicle weight,designedincludea "temporary worker". primarily for:14."Loading or unloading"means the handling of (a)Snow removal;property: (b)Road maintenance,but not a.After it is moved from the place where it is construction or resurfacing;oracceptedformovementintoorontoan aircraft,watercraft or "auto";(c)Street cleaning; b.While it is in or on an aircraft, watercraft or (2)Cherry pickers and similar devices "auto";or mounted on automobile or truck chassis and used to raise or lower c.While it is being moved from an aircraft, workers; andwatercraftor"auto"to the place where it is finally delivered;(3)Air compressors,pumps and generators,including spraying, but "loading or unloading"does not include the welding,building cleaning, movement of property by means of a mechanical geophysical exploration,lighting and device,other than a hand truck,that is not well servicing equipment.attached to the aircraft,watercraft or "auto". 16."Occurrence"means an accident,including15."Mobile equipment" means any of the following continuous or repeated exposure to substantiallytypesoflandvehicles,including any attached the same general harmful conditions.machinery or equipment: 17."Personal and advertising injury" means injury, a.Bulldozers,farm machinery,forklifts and including consequential "bodily injury",arising other vehicles designed for use principally out of one or more of the following offenses:off public roads; a.False arrest, detention or imprisonment;b.Vehicles maintained for use solely on or next to premises you own or rent;b.Malicious prosecution; c.Vehicles that travel on crawler treads; d.Vehicles,whether self-propelled or not,on which are permanently mounted: Page 22 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM c.The wrongful eviction from,wrongful entry Work that may need service,maintenance, into,or invasion of the right of private correction,repair or replacement,but occupancy of a room,dwelling or which is otherwise complete,will be premises that the person occupies, treated as completed. committed by or on behalf of its owner, The "bodily injury"or "property damage" landlord or lessor;must occur away from premises you own d.Oral,written or electronic publication of or rent,unless your business includes the material that slanders or libels a person or selling,handling or distribution of "your organization or disparages a person's or product"for consumption on premises you organization's goods, products or services;own or rent. e.b.Oral,written or electronic publication of Does not include "bodily injury"or material that violates a person's right of "property damage" arising out of: privacy;(1)The transportation of property,unless f.Copying,in your "advertisement",a the injury or damage arises out of a person’s or organization’s "advertising condition in or on a vehicle not owned idea" or style of "advertisement";or operated by you,and that condition was created by the "loading org.Infringement of copyright, slogan, or title of unloading"of that vehicle by any any literary or artistic work,in your insured;or"advertisement"; or (2)The existence of tools,uninstalled h.Discrimination or humiliation that results in equipment or abandoned or unusedinjurytothefeelingsorreputationofa materials.natural person. 20."Property damage" means:18."Pollutants"means any solid,liquid,gaseous or thermal irritant or contaminant,including smoke,a.Physical injury to tangible property, vapor,soot,fumes,acids,alkalis,chemicals and including all resulting loss of use of that waste.Waste includes materials to be recycled,property.All such loss of use shall be reconditioned or reclaimed.deemed to occur at the time of the physical injury that caused it; or19."Products-completed operations hazard"; b.Loss of use of tangible property that is not a.Includes all "bodily injury"and "property physically injured.All such loss of use damage"occurring away from premises shall be deemed to occur at the time of you own or rent and arising out of "your "occurrence"that caused it.product" or "your work"except: As used in this definition,"electronic data"is (1)Products that are still in your physical not tangible property.possession;or 21."Suit"means a civil proceeding in which(2)Work that has not yet been completed damages because of "bodily injury","property or abandoned.However,"your work" damage"or "personal and advertising injury" will be deemed to be completed at the to which this insurance applies are alleged. earliest of the following times: "Suit"includes:(a)When all of the work called for in a.An arbitration proceeding in which such your contract has been completed. damages are claimed and to which the (b)When all of the work to be done at insured must submit or does submit withthejobsitehasbeencompletedif our consent; oryourcontractcallsforworkat b.Any other alternative dispute resolution more than one job site. proceeding in which such damages are (c)When that part of the work done at claimed and to which the insured submits a job site has been put to its with our consent.intended use by any person or 22."Temporary worker"means a person who is organization other than another furnished to you to substitute for a permanentcontractororsubcontractor "employee"on leave or to meet seasonal or working on the same project. short-term workload conditions. 23."Volunteer worker" means a person who: a.Is not your "employee"; Form SS 00 08 04 05 Page 23 of 24 BUSINESS LIABILITY COVERAGE FORM b.(2)Donates his or her work;The providing of or failure to provide warnings or instructions.c.Acts at the direction of and within the c.scope of duties determined by you;and Does not include vending machines or d.Is not paid a fee,salary or other other property rented to or located for the compensation by you or anyone else for use of others but not sold. their work performed for you.25."Your work": 24."Your product":a.Means: a.Means:(1)Work or operations performed by you (1)Any goods or products,other than real or on your behalf;and property, manufactured, sold, handled, (2)Materials,parts or equipment distributed or disposed of by:furnished in connection with such work (a)You;or operations. (b)b.Others trading under your name; Includes: or (1)Warranties or representations made at (c)A person or organization whose any time with respect to the fitness, business or assets you have quality,durability,performance or use acquired;and of "your work";and (2)(2)Containers (other than vehicles), The providing of or failure to provide materials,parts or equipment warnings or instructions. furnished in connection with such goods or products. b.Includes: (1)Warranties or representations made at any time with respect to the fitness, quality,durability,performance or use of "your product"; and Page 24 of 24 Form SS 00 08 04 05 THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date:05/20/18 Policy Expiration Date:07/01/19 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number:57 WBC ZQ4909 Endorsement Number: Effective Date:07/01/18 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:WATERSMART SOFTWARE, INC. 20 CALIFORNIA ST STE 200 SAN FRANCISCO CA 94111 We have the right to recover our payments from anyone liable for an injury covered by this policy.We will not enforce our right against the person or organization named in the Schedule.(This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be 2 %of the California workers'compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description Any person or organization from whom you are required by written contract or agreement to obtain this waiver of rights from us PSA 19-508UTIL AGREEMENT FOR SOFTWARE SERVICES WATERSMART SOFTWARE, INC. NT is made and entered into as of the d 2th day of ~~~~~,._.,..=------' 2018, by and between the CARLSBAD MUNICIPAL WATER DISTRICT, ublic Agency organized under the Municipal Water Act of 1911, and a Subsidiary District of the City of Carlsbad, ("CMWD"), and WATERSMART SOFTWARE, INC., a Delaware public benefit corporation ("Contractor"). RECITALS A. CMWD requires the software services of a water engagement platform that is experienced in communication around customer water use. B. Contractor has the necessary experience in providing professional services and advice related to customer water use and communications. C. Contractor has submitted a proposal to CMWD and has affirmed its willingness and ability to perform such work. NOW, THEREFORE, in consideration of these recitals and the mutual covenants contained herein, CMWD and Contractor agree as follows: 1. SCOPE OF WORK CMWD retains Contractor to perform, and Contractor agrees to render, those services (the "Services") that are defined in attached Exhibits "A", "B", "C" and "D" which are incorporated by this reference in accordance with this Agreement's terms and conditions. 2. STANDARD OF PERFORMANCE While performing the Services, Contractor will exercise the reasonable professional care and skill customarily exercised by reputable members of Contractor's profession practicing in the Metropolitan Southern California Area, and will use reasonable diligence and best judgment while exercising its professional skill and expertise. 3. TERM The term of this Agreement will be effective for a period of twelve (12) months from the date first above written. The Executive Manager may amend the Agreement to extend it for up to three additional twelve (12) month periods or parts thereof. Extensions will be based upon a satisfactory review of Contractor's performance, CMWD needs, and appropriation of funds by the Board of Directors. The parties will prepare a written amendment indicating the effective date and length of the extended Agreement, the fees payable during the extension and any other mutually agreed terms. 4. TIME IS OF THE ESSENCE Time is of the essence for each and every provision of this Agreement. 5. COMPENSATION The total fee payable for the Services to be performed during the initial Agreement term will be fifty-six thousand dollars ($56,000). No other compensation for the Services will be allowed except for items covered by subsequent amendments to this Agreement. If CMWD elects to extend the Agreement, the amount shall be fifty thousand five hundred dollars ($50,500) per Agreement year. CMWD reserves the right to withhold a ten percent (10%) retention until CMWD has accepted the work and/or Services specified in Exhibits "A"", "B", "C" and "D". 1 General Counsel Approved Version 6/12/18 PSA 19-508UTIL Incremental payments, if applicable, should be made as outlined in attached Exhibit "B". Contractor shall invoice CMWD upon signing of the Agreement, and CMWD shall pay invoices within 30 days of receipt. 6. STATUS OF CONTRACTOR Contractor will perform the Services in Contractor's own way as an independent contractor and in pursuit of Contractor's independent calling, and not as an employee of CMWD. Contractor will be under control of CMWD only as to the result to be accomplished, but will consult with CMWD as necessary. The persons used by Contractor to provide services under this Agreement will not be considered employees of CMWD for any purposes. The payment made to Contractor pursuant to the Agreement will be the full and complete compensation to which Contractor is entitled. CMWD will not make any federal or state tax withholdings on behalf of Contractor or its agents, employees or subcontractors. CMWD will not be required to pay any workers' compensation insurance or unemployment contributions on behalf of Contractor or its employees or subcontractors. Contractor agrees to indemnify CMWD within thirty (30) days for any tax, retirement contribution, social security, overtime payment, unemployment payment or workers' compensation payment which CMWD may be required to make on behalf of Contractor or any agent, employee, or subcontractor of Contractor for work done under this Agreement. At CMWD's election, CMWD may deduct the indemnification amount from any balance owing to Contractor. 7. SUBCONTRACTING Contractor will not subcontract any portion of the Services without prior written approval of CMWD. If Contractor subcontracts any of the Services, Contractor will be fully responsible to CMWD for the acts and omissions of Contractor's subcontractor and of the persons either directly or indirectly employed by the subcontractor, as Contractor is for the acts and omissions of persons directly employed by Contractor. Nothing contained in this Agreement will create any contractual relationship between any subcontractor of Contractor and CMWD. Contractor will be responsible for payment of subcontractors. Contractor will bind every subcontractor and every subcontractor of a subcontractor by the terms of this Agreement applicable to Contractor's work unless specifically noted to the contrary in the subcontract and approved in writing by CMWD. 8. OTHER CONTRACTORS CMWD reserves the right to employ other Contractors in connection with the Services. 9. INDEMNIFICATION Contractor agrees to indemnify and hold harmless CMWD and its officers, officials, employees and volunteers from and against all third-party claims, damages, losses and expenses including attorneys fees arising out of the performance of the work described herein caused by any negligence, recklessness, or willful misconduct of the Contractor, any subcontractor, anyone directly or indirectly employed by any of them or anyone for whose acts any of them may be liable. The parties expressly agree that any payment, attorney's fee, costs or expense CMWD incurs or makes to or on behalf of an injured employee under CMWD's self-administered workers' compensation is included as a loss, expense or cost for the purposes of this section, and that this section will survive the expiration or early termination of this Agreement. 2 General Counsel Approved Version 6/12/18 PSA 19-508UTIL 10. INSURANCE Contractor will obtain and maintain for the duration of the Agreement and any and all amendments, insurance against claims for injuries to persons or damage to property which may arise out of or in connection with performance of the services by Contractor or Contractor's agents, representatives, employees or subcontractors. 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-:VII"; OR with a surplus line insurer on the State of California's List of Approved Surplus Line Insurers (LASLI) with a rating in the latest Best's Key Rating Guide of at least "A:X"; OR an alien non-admitted insurer listed by the National Association of Insurance Commissioners (NAIC) latest quarterly listings report. 10.1 Coverage and Limits. Contractor will maintain the types of coverage and minimum limits indicated below, unless the Risk Manager or Executive Manager approves a lower amount. These minimum amounts of coverage will not constitute any limitations or cap on Contractor's indemnification obligations under this Agreement. CMWD, its officers, agents and employees make no representation that the limits of the insurance specified to be carried by Contractor pursuant to this Agreement are adequate to protect Contractor. If Contractor believes that any required insurance coverage is inadequate, Contractor will obtain such additional insurance coverage, as Contractor deems adequate, at Contractor's sole expense. The full limits available to the named insured shall also be available and applicable to CMWD as an additional insured. 10.1.1 Commercial General Liability Insurance. $2,000,000 combined single-limit per occurrence for bodily injury, personal injury and property damage. If the submitted policies contain aggregate limits, general aggregate limits will apply separately to the work under this Agreement or the general aggregate will be twice the required per occurrence limit. 10.1.2 Automobile Liability. (if the use of an automobile is involved for Contractor's work for CMWD). $1,000,000 combined single-limit per accident for bodily injury and property damage. 10.1.3 Workers' Compensation and Employer's Liability. Workers' Compensation limits as required by the California Labor Code. Workers' Compensation will not be required if Contractor has no employees and provides, to CMWD's satisfaction, a declaration stating this. 10.1.4 Professional Liability. Errors and omissions liability appropriate to Contractor's profession with limits of not less than $1,000,000 per claim. Coverage must be maintained for a period of five years following the date of completion of the work. 10.1.5 Cyber Liability. Cyber Liability insurance with limits of not less than $1,000,000 for each occurrence and an annual aggregate of $2,000,000 covering claims involving privacy violations, information theft, damage to or destruction of electronic information, intentional and/or unintentional release of private information, alteration of electronic information, extortion and network security. Such coverage is required for such length of time as necessary to cover any and all claims. 10.2 Additional Provisions. Contractor will ensure that the policies of insurance required under this Agreement contain, or are endorsed to contain, the following provisions: 10.2.1 CMWD will be named as an additional insured on Commercial General Liability which shall provide primary coverage to CMWD. 3 General Counsel Approved Version 6/12/18 PSA 19-508UTIL 10.2.2 Contractor will obtain occurrence coverage, excluding Professional Liability, which will be written as claims-made coverage. 10.2.3 This insurance will be in force during the life of the Agreement and any extensions of it and will not be canceled without thirty (30) days prior written notice to CMWD sent by certified mail pursuant to the Notice provisions of this Agreement. 10.3 Providing Certificates of Insurance and Endorsements. Prior to CMWD's execution of this Agreement, Contractor will furnish certificates of insurance and endorsements to CMWD. 10.4 Failure to Maintain Coverage. If Contractor fails to maintain any of these insurance coverages, then CMWD will have the option to declare Contractor in breach, or may purchase replacement insurance or pay the premiums that are due on existing policies in order to maintain the required coverages. Contractor is responsible for any payments made by CMWD to obtain or maintain insurance and CMWD may collect these payments from Contractor or deduct the amount paid from any sums due Contractor under this Agreement. 10.5 Submission of Insurance Policies. CMWD reserves the right to require, at any time, complete and certified copies of any or all required insurance policies and endorsements. 11. BUSINESS LICENSE Contractor will obtain and maintain a City of Carlsbad Business License for the term of the Agreement, as may be amended from time-to-time. 12. ACCOUNTING RECORDS Contractor will maintain complete and accurate records with respect to costs incurred under this Agreement. All records will be clearly identifiable. Contractor will allow a representative of CMWD during normal business hours to examine, audit, and make transcripts or copies of records and any other documents created pursuant to this Agreement. Contractor will allow inspection of all work, data, documents, proceedings, and activities related to the Agreement for a period of three (3) years from the date of final payment under this Agreement. 13. OWNERSHIP OF DOCUMENTS All work product produced by Contractor or its agents, employees, and subcontractors pursuant to this Agreement is prepared for CMWD subject to Section A of the Software-as-a-Service Provisions attached as Exhibit D. In the event this Agreement is terminated, all work product produced by Contractor or its agents, employees and subcontractors pursuant to this Agreement will be delivered at once to CMWD. Contractor will have the right to retain copies of the work product for Contractor's records. 14. COPYRIGHTS Contractor and CMWD agree that ownership of all copyrights that arise from the services will be governed by Section A of the Software-as-a-Service Provisions attached as Exhibit D. Ill Ill 4 General Counsel Approved Version 6/12/18 PSA 19-508UTI L 15. NOTICES The name of the persons who are authorized to give written notice or to receive written notice on behalf of CMWD and on behalf of Contractor under this Agreement. ForCMWD Name Mario Remillard Title Meter Services Supervisor Carlsbad Municipal Department Water District Address 5950 El Camino Real Carlsbad, CA 92008 Phone No. 760 438 2722 x7153 For Contractor Name Erik Andersen Title Vice President of Sales Address WaterSmart Software, Inc. 20 California St. #200, San Francisco, California 94111 Phone No. 415.366.8622 Email business@watersmart.com Each party will notify the other immediately of any changes of address that would require any notice or delivery to be directed to another address. 16. CONFLICT OF INTEREST Contractor shall file a Conflict of Interest Statement with the City Clerk in accordance with the requirements of the City of Carlsbad Conflict of Interest Code. The Contractor shall report investments or interests in all categories. Yes D No~ 17. GENERAL COMPLIANCE WITH LAWS Contractor will keep fully informed of federal, state and local laws and ordinances and regulations which in any manner affect those employed by Contractor, or in any way affect the performance of the Services by Contractor. Contractor will at all times observe and comply with these laws, ordinances, and regulations and will be responsible for the compliance of Contractor's services with all applicable laws, ordinances and regulations. Contractor will be aware of the requirements of the Immigration Reform and Control Act of 1986 and will comply with those requirements, including, but not limited to, verifying the eligibility for employment of all agents, employees, subcontractors and consultants whose services are required by this Agreement. 18. DISCRIMINATION AND HARASSMENT PROHIBITED Contractor will comply with all applicable local, state and federal laws and regulations prohibiting discrimination and harassment. 19. DISPUTE RESOLUTION If a dispute should arise regarding the performance of the Services the following procedure will be used to resolve any questions of fact or interpretation not otherwise settled by agreement between the parties. Representatives of Contractor or CMWD will reduce such questions, and their respective views, to writing. A copy of such documented dispute will be forwarded to both parties involved along with recommended methods of resolution, which would be of benefit to 5 General Counsel Approved Version 6/12/18 PSA 19-508UTI L both parties. The representative receiving the letter will reply to the letter along with a recommended method of resolution within ten (10) business days. If the resolution thus obtained is unsatisfactory to the aggrieved party, a letter outlining the disputes will be forwarded to the Executive Manager. The Executive Manager will consider the facts and solutions recommended by each party and may then opt to recommend a solution to the problem. In such cases, the action of the Executive Manager will not be binding upon the parties involved, and nothing in this procedure will prohibit the parties from seeking remedies available to them at law. 20. TERMINATION In the event of the Contractor's failure to prosecute, deliver, or perform the Services, CMWD may terminate this Agreement for nonperformance by notifying Contractor by certified mail of the termination. If CMWD decides to abandon or indefinitely postpone the work or services contemplated by this Agreement, CMWD may terminate this Agreement upon written notice to Contractor. Upon notification of termination, Contractor has five (5) business days to deliver any documents owned by CMWD and all work in progress to CMWD address contained in this Agreement. CMWD will make a determination of fact based upon the work product delivered to CMWD and of the percentage of work that Contractor has performed which is usable and of worth to CMWD in having the Agreement completed. Based upon that finding CMWD will determine the final payment of the Agreement subject to the mutual agreement of the Contractor. Either party upon tendering thirty (30) days written notice to the other party may terminate this Agreement. In this event and upon request of CMWD, Contractor will assemble the work product and put it in order for proper filing and closing and deliver it to CMWD. Contractor will be paid for work performed to the termination date; however, the total will not exceed the lump sum fee payable under this Agreement. CMWD will make the final determination as to the portions of tasks completed and the compensation to be made subject to the mutual agreement of the Contractor. 21. COVENANTS AGAINST CONTINGENT FEES Contractor warrants that Contractor has not employed or retained any company or person, other than a bona fide employee working for Contractor, to solicit or secure this Agreement, and that Contractor has not paid or agreed to pay any company or person, other than a bona fide employee, any fee, commission, percentage, brokerage fee, gift, or any other consideration contingent upon, or resulting from, the award or making of this Agreement. For breach or violation of this warranty, CMWD will have the right to annul this Agreement without liability, or, in its discretion, to deduct from the Agreement price or consideration, or otherwise recover, the full amount of the fee, commission, percentage, brokerage fees, gift, or contingent fee. 22. CLAIMS AND LAWSUITS By signing this Agreement, Contractor agrees that any Agreement claim submitted to CMWD must be asserted as part of the Agreement process as set forth in this Agreement and not in anticipation of litigation or in conjunction with litigation. Contractor acknowledges that if a false claim is submitted to CMWD, it may be considered fraud and Contractor may be subject to criminal prosecution. Contractor acknowledges that California Government Code sections 12650 et seq., the False Claims Act applies to this Agreement and, provides for civil penalties where a person knowingly submits a false claim to a public entity. These provisions include false claims made with deliberate ignorance of the false information or in reckless disregard of the truth or falsity of information. If CMWD seeks to recover penalties pursuant to the False Claims Act, it is entitled to recover its litigation costs, including attorney's fees. Contractor acknowledges that the filing of a false claim may subject Contractor to an administrative debarment proceeding as the result of which Contractor may be prevented to act as a Contractor on any public work or improvement for a period of up to five (5) years. Contractor acknowledges debarment by another jurisdiction is 6 General Counsel Approved Version 6/12/18 PSA 19-508UTIL grounds for CMWD to terminate this Agreement. 23. JURISDICTION AND VENUE Any action at law or in equity brought by either of the parties for the purpose of enforcing a right or rights provided for by this Agreement will be tried in a court of competent jurisdiction in the County of San Diego, State of California, and the parties waive all provisions of law providing for a change of venue in these proceedings to any other county. 24. SUCCESSORS AND ASSIGNS It is mutually understood and agreed that this Agreement will be binding upon CMWD and Contractor and their respective successors. Neither this Agreement nor any part of it nor any monies due or to become due under it may be assigned by Contractor without the prior consent of CMWD, which shall not be unreasonably withheld. Notwithstanding the foregoing, Contractor may without written consent assign this Agreement in connection with its merger, acquisition or change in corporate control. 25. ENTIRE AGREEMENT This Agreement, together with any other written document referred to or contemplated by it, along with the purchase order for this Agreement and its provisions, embody the entire Agreement and understanding between the parties relating to the subject matter of it. In case of conflict, the terms of the Agreement supersede the purchase order. Neither this Agreement nor any of its provisions may be amended, modified, waived or discharged except in a writing signed by both parties. Ill Ill Ill Ill Ill Ill Ill Ill 7 General Counsel Approved Version 6/12/18 PSA 19-508UTIL 26. AUTHORITY The individuals executing this Agreement and the instruments referenced in it on behalf of Contractor each represent and warrant that they have the legal power, right and actual authority to bind Contractor to the terms and conditions of this Agreement. CONTRACTOR WATERSMART SOFTWARE, INC., a Delaware public benefit corporation (print name/title) By: \ // I I f!j/ C 1-c .• (sign here Su-rr k!i1'1Cfr,P (£9 (print name/title) CARLSBAD MUNICIPAL WATER DISTRICT, a Public Agency organized under the Municipal Water Act of 1911, and a Subsidiary District of the City of Carlsbad Scott Ch~k / Executive Manager ATTEST: \j~cm~ L.-~RBARA ENGLESON lr Secretary If required by CMWD, proper notarial acknowledgment of execution by contractor must be attached. If a corporation, Agreement must be signed by one corporate officer from each of the following two groups. Group A Chairman, President, or Vice-President Group B Secretary, Assistant Secretary, CFO or Assistant Treasurer 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, General Counsel BY:----~~----=---- Deputy General Counsel 8 General Counsel Approved Version 6/12/18 ALL-PURPOSE CERTIFICATE OF ACKNOWLEDGMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. State of California } County of .>.J f" r ~ r1 c · 5 < ..:> } On /\._,~<-OJ.-. ;2, 2.o /f!; before me, ~.\C=:L.~-i.:..~ll.:.:...:.1..:..J:...__...!,___;~~:,,,__:.,()-~....=~=l.:.....-....::::c_=-----e,e personally appeared \::PJ; ,..J !:;.e, r--l C..H >< o ~ ~ ¥;, r--1 Cc,._~ J wh_9£!:£ved to me on the basis of satisfactory evidence to be the person(s) whose ~is/~ subscribed to the within instrument and acknowled:ed to me that he/she,(ffiey executed the same in hWAerm:leibauthorized ~cit¥..(i~ and that by his/her~ s~ on the instrument the~ or the entity upon behalf of which the p~cted, executed the instru~ I certify under PENAL TY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. ADDITIONAL OPTIONAL INFORMATION DESCRIPTION OF THE ATTACHED DOCUMENT ~{-u.,v, .. ,J ~ S..ik~~~ ~IJ1(-t (Title or~ription of attached document) (Title or description of attached document continued) Number of Pages---==-Document Date._-__ _ CAPACITY CLAIMED BY THE SIGNER D Individual (s) .!2l C,orporate Office( .,.._ '1 ( .(.c..':,.J~{(_/ Ci.r-'J (EC (Title) D Partner(s) D Attorney-in-Fact o Trustee(s) D Other __________ _ 2015 Version W\WJ.NotaryClasses. con; 300-872-88G5 INSTRUCTIONS FOR COMPLETING THIS FORM This form complies with current California statutes regarding notary wording and, if needed, should be completed and al/ached to the document. Acknolwedgentsfrom other states may be completed for documents being sent to that state so long as the wording does not require the California notary to violate California notary law. • State and County information must be the State and County where the document signer(s) personally appeared before the notary public for acknowledgment. • Date of notarization must be the date that the signer(s) personally appeared which must also be the same date the acknowledgment is completed. • The notary public must print his or her name as it appears within his or her commission followed by a comma and then your title (notary public). • Print the name(s) of document signer(s) who personally appear at the time of notarization. • Indicate the correct singular or plural forms by crossing off incorrect forms (i.e. Ile/she/they, is /are) or circling the correct forms. Failure to correctly indicate this information may lead to rejection of document recording . • The notary seal impression must be clear and photographically reproduc:ble . Impression must not cover text or lines. If seal impression smudges, re-seal if a sufficient area permits, otherwise complete a different acknowledgment form. • Signature of the notary public must match the signature on file with the office of the county clerk. •:• Additional information is not required but could help to ensure this acknowledgment is not misused or attached to a different document. ••• Indicate title or type of attached document, number of pages and date. •:• Indicate the capacity claimed by the signer. If the claimed capacity is a corporate officer, indicate the title (i e CEO, CFO, Secretary). • Securely attach this document to the signed document with a staple. I I -1 ,I I "' e; ~-,, ,., Program Overview EXHIBIT "A" SCOPE OF WORK PSA 19-508UTIL • Program Length: One 12 month term with the ability to extend for three additional 12 month terms • Current Accounts: :. 30,000 Total Accounts • Meter Data: 8 AMR/Manual 8AMI 8 Rolling Reads Dashboard and Portal 8 Utility Analytics Dashboard : Profiles for all accounts 8 Customer Portal: Access for all accounts 8 Additional Portal Languages : 8 Spanish DUK English 8 Group Messenger & List Builder Alerts and Notifications 8 Leak Detection: All Single Family Residential (SFR) Accounts, All AMI Accounts 8 Leak Alerts: All Single Family Residential (SFR) Accounts, All AMI Accounts 8 Email, SMS Text, Automated Voice D Print 8 Use Notifications: Access for all accounts 8 Bill Forecast Notifications: Access for all AMI accounts Electronic Bill Presentment & Payments D Bill Display: o Bill Amount Due/Bill History Display D PDF Bill Display o Paperless Billing (requires PDF Bill Display) 8 Payment Website Integration : D Link to Existing Payments Portal from Customer Portal via generic URL 8 Single-Sign On (SSO) with current payment vendor as identity provider o Embedded Payment Pages from payment partner 9 Additional Services B On-Site Training Special Circumstances None Section 1: Introduction and Program Elements Introduction PSA 19-508UTIL WaterSmart Software ("WaterSmart") is a customer engagement and analytics platform. Carlsbad Municipal Water District ("Utility") has contracted with WaterSmart to implement a customer engagement program to serve its population. The program is comprised of the following elements, which are explained in more detail below: • Utility Analytics Dashboard: Analytics, customer support tools and Program performance data for Utility staff • Customer Portal: Additional engagement and information for account owners • Single Sign On (SSO) or Click-Through Registration: WaterSmart can provide log-in to the Customer Portal using third party credentials (i.e. billing provider or other government website registration information) through SSO (Single Sign-On) using the SAML 2.0 or OAUTH2 protocol. This provides for bi-directional, seamless registration to multiple portals using a single set of credentials. Alternatively, WaterSmart supports Click-Through Registration for uni-directional sign-on from a third-party site to WaterSmart using a URL redirect with key- based encrypted data. As a software-as-a-service (SaaS) provider, WaterSmart provides all major program elements to the Utility: • Program setup and initialization, including data collection; • Hosting of WaterSmart Customer Portal and Utility Analytics Dashboard; Utility is responsible for providing WaterSmart key program inputs including account information, regular feeds of meter data, and logos and contact information. Utility is also responsible for timely feedback and input on key program elements during initialization. Utility maintains responsibility as the primary contact for customer inquiries and technical assistance. WaterSmart will designate a customer success manager, and the Utility shall each designate a project manager for the program. All Utility decisions shall be channeled through the Utility's project manager. In addition, Utility shall designate a Data contact who is responsible for providing the data indicated below. 10 PSA 19-508UTI L Content and design of all materials are subject to change over time, as WaterSmart incorporates new features. This scope of work and agreement cover services rendered over term of the agreement. The exact timing of program launch and duration of services may vary depending on Utility resource levels, data availability, and other unforeseeable events. WaterSmart endeavors to adhere to the proposed schedule. Utility's responsiveness and prompt provisioning of necessary program inputs is also critical to schedule adherence. A proposed schedule is provided in Exhibit C, Schedule of Performance. Utility Analytics Dashboard The Utility Analytics Dashboard provides analytical insights regarding customer consumption (use by account type, high users, etc.), outbound and inbound communications (outgoing leak or other alerts, incoming emails, etc.), and use of the Customer Portal (visit frequency, device access, most visited pages, etc.) The Dashboard also identifies and notifies Utility staff about suspected leaks in both AMI and non-AMI environments, and allows Utility staff to monitor compliance requirements. The Dashboard delivers information on all customer classes whose data are provided to WaterSmart and integrates external data sources like property records and maps. The Utility Analytics Dashboard is available to all Utility staff, each with their own unique login. Customer Portal The WaterSmart Customer Self-Service Portal, available to customers through a mobile and web application interface, provides a single place for customers to see consumption, check and resolve leaks, view bills, sign up for paperless billing, and receive targeted messages about Utility promoted events and programs. Alerts and Notifications WaterSmart provides alerts to customers to notify of potential high volume or continuous use leaks, to notify a customer that they have reached a self-selected consumption threshold, or to inform customers before the end of the billing cycle that they are likely to have high water use on their upcoming bill. Threshold notifications and leak alerts are further enabled by AMI, though they are also available for non-AMI customers. Alerts can be sent through multiple channels-email, SMS text message, or automated voice call. Leak alerts are currently targeted at single-family residential accounts and irrigation-only accounts. The leak resolution workflow helps customers identify the source of their leak, and resolve the leak on their own. Group Messenger & List Builder Group Messenger is a module within the Utility Analytics Dashboard that allows rapid delivery of targeted, timely, and topical messages to groups of customers. The integrated 'Lists' tool allows the 11 PSA 19-508UTI L Utility to create a custom list of accounts to analyze or communicate with. Group Messenger supports multiple communication channels, including email, SMS text, and automated voice. Section 2: Program Initialization and rv'iilestones The initialization phase of the program begins with Contract Signing (or Purchase Order Issue if a Purchase Order is necessary for invoicing) and lasts for three months. WaterSmart begins the (first) 12-month implementation term at Contract Signing/PO Issue. If a utility has provided the data and input necessary to launch the program early, WaterSmart accommodates the Utility by making the Customer Portal and Utility Analytics Dashboard available. Significant delay on the part of the Utility during launch may result in less than 12 months of access to the Customer Portal and Utility Analytics Dashboard and/or fewer than the planned number of communications to be sent during the 12-month period. If the Utility delays approval of a renewal or extension agreement, WaterSmart may, at its discretion (assuming the renewal agreement is retroactive to being at the previous contracts' end), maintain Customer Portal and Utility Analytics Dashboard access and functionality, in the interim, for up to 90 days at which time all access is revoked until the renewal/extension has been signed. To initialize the program, WaterSmart works with the Utility to set up the transfer of key data elements, discuss configurable elements of the Customer Portal and train Utility employees on the WaterSmart platform. Below are the key steps for the Program Initialization Phase. Kickoff WaterSmart conducts a 60-to 90-minute introductory online meeting to orient Utility staff involved in the Program with the Customer Portal and Utility Analytics Dashboard Applications, and Alerts.WaterSmart suggests the Utility include a representative from each functional group that will be involved with the setup and use of the program, including: Conservation, Customer Service, Field Service, Finance, Marketing/Public Information Office, and Information Technology (IT) representatives. Data Transfer and Utility Obligations While WaterSmart has developed processes to minimize the burden on Utility staff to launch the program, initiative and technical know-how on the part of Utility IT staff is necessary. All approvals and scheduling of Utility IT time for the project should be confirmed in advance to ensure a timely, high- quality, and well-supported launch. Delays on the part of the Utility may reduce the number of months the Utility and its customers are able to make use of the software platform. WaterSmart works with the Utility to securely transfer a dataset on accounts, including but not limited to the following data: 12 PSA 19-508UTI L Account Information • Account Number • Customer Mobile Number, where available • Account Type • Service Address • Account Sequence Number • Billing Address • Property APN, where available • Customer Name • Meter Size • Customer Email, where available Consumption History: WaterSmart requests, for at least the last two years but ideally for five to ten years in the past, such fields as, but not limited to: • Account Number • Previous Meter Read Date • Account Sequence • Days in Billing Cycle Number • Meter I.D. (serial number) • Consumption • Current Meter Read Date • Bill & water allocation details as mutually agreed * Note this consumption history is for billed consumption, with up to twelve data points per account per year. WaterSmart does not load historic interval data. Current Consumption: WaterSmart also works with the Utility to set up a regular transfer of meter reads from the Utility to WaterSmart through a secure channel. This is the same file format as the Consumption History file above. WaterSmart requests, for accounts with interval data: • Account Number • Consumption • Timestamp • Additional details as mutually agreed • Timezone Rebate Program Participation File Optionally, Utility may provide data on rebate program participants, and those receiving citations or notifications. This file must meet WaterSmart specifications and should include: • Account Number • Participation Date • Program Name • Additional details as mutually agreed Should Utility implement new data management systems after the first initialization process, which require WaterSmart to re-onboard new file structures or map historical identifiers (e.g., customers, accounts, premises, service points}, WaterSmart assesses an additional one-time fee not to exceed $10,000 upon receipt of first test files from the new system. Configuration of Customer Portal WaterSmart's Customer Portal contain several configurable fields. WaterSmart works with the Utility to configure the Customer Portal with Utility logo and contact information. WaterSmart provides 13 PSA 19-508UTI L messages and recommendations for Utility to review and approve for display on a targeted basis. Utility has the opportunity to approve or exclude any recommendations shown in the Customer Portal and messages. Utility and WaterSmart agree to complete this process in a timely manner. Utility should provide final approvals to WaterSmart no more than ten (10) business days from when initial materials are provided to Utility. For both Messaging and Recommendations, the review process is as follows: • WaterSmart sends default content to Utility. • Utility project manager sends back a single, consolidated list of approved messages. • WaterSmart's customer success manager can offer the Utility the opportunity to proof finalized content of the Customer Portal once it is configured. Spanish Language Availability If selected by Utility (as noted in the Program at a Glance), the WaterSmart Customer Portal is available in English and Spanish, and in any other languages specifically noted in the Program at a Glance. A customer can change their preferred language within the Portal. Payment pages may not be available in languages beyond English depending on availability from payment provider. Take Action Recommendations may not be available in languages beyond English. Customer Welcome Letters can be sent with messages in multiple languages (subject to space and character constraints). Translated text must be provided by utility. Training After all initial customer data has been received and program content is finalized, WaterSmart provides Utility staff with training and resources to understand the features and functionality of the Customer Portal and Utility Analytics Dashboard. If selected in Program at a Glance, WaterSmart Software provides training on-site; if not selected, training is provided via webinar. On-site training may be conducted as multiple sessions on a single day. A proposed schedule for the Program Initialization Phase is provided in Exhibit C: Schedule of Performance. Section 3: Customer Service and Support WaterSmart does not communicate directly with the Utility's customers; end-user support is the responsibility of the Utility. Standard Support WaterSmart provides a number of tools to facilitate both end-user support as well as assist Utility staff looking to understand and maximize their WaterSmart experience: 14 PSA 19-508UTIL 1) The WaterSmart Support Site, which is accessible by all Utility staff, includes responses to Frequently Asked Questions as well as common troubleshooting topics, how-to videos and other customer support oriented content. 2) The Customer Detail Page helps customer service representatives respond to Customer inquiries by providing all relevant customer property and water use information, a complete history of notes and email interactions including water reports, a quick link to their portal and step-by-step process support for common questions around high bills. 3) A Live Chat feature that allows Utility staff to ask questions about data, get help with challenging customer questions, provide product feedback and more. Users can typically expect to receive a response within the hour. Chat is available between the hours of 7 a.m. and 6 p.m. PST Monday thru Friday, excluding federal holidays. 4) Monthly Product Webinars provide the latest WaterSmart news including product releases, practical implementation case studies, a forum to interact with other WaterSmart customers and sneak previews of upcoming products and functionality. The above support tools will be additionally complemented by the following services: • Dedicated Customer Success Manager (CS Manager): The CS Manager will support the Utility program, answer questions, provide updates, support complex tasks, provide new feature updates and additional training as needed. The CS Manager is available by telephone and email to answer specific programmatic and technical questions. CS Manager support will be capped at 1 hour per week for the Utility. • Quarterly check-in meetings -Meetings will track performance relative to Utility objectives and adjust as necessary, provide implementation support, review best practices, support outreach efforts, gather feedback and answer any questions. • Portal and Water Report content customization-The CS Manager can help the Utility create personalized messaging for the Customer Portal and outbound Engagement vehicles, including Group Messenger and Water Reports, if requested. Maintenance of Web Applications WaterSmart maintains commercially reasonable systems and controls designed to maximize monthly uptime and minimize unscheduled outages of the Customer Portal and Utility Analytics Dashboard. Excluding any down time for maintenance and/or upgrades, WaterSmart makes strong efforts to provide Customers and Utility with access to their respective Web applications on a continuous basis. WaterSmart provides advance notification of any planned outages and notifies Utility without unreasonable delay if it detects or receives notice of any material problems relating to the Customer Portal and/or the Utility Analytics Dashboard. WaterSmart's Web Applications include dynamic and interactive charts and tables that may not be compatible with older Internet browsers. The Internet browser and operating system requirements are: 15 PSA19-508UTIL • Windows XP: Chrome 38+, Firefox 32+ • Windows 7, 8, 8.1, 10: IE 9+, Chrome 38+, Firefox 32+ • Mac: Chrome 38+, Firefox 32+, Safari Data Security and Privacy WaterSmart does not share personally identifiable customer information or customer-specific water use information with any third party without prior consent from Utility. Data transferred to WaterSmart from Utility is stored in a database dedicated to Utility and its WaterSmart project. The data is not comingled with the data provided by any other entity; provided, however, that certain anonymous data may be copied and consolidated with data provided by one or more other entities for the research and product development purposes subject to the terms of the Agreement. WaterSmart enacts standard controls, policies, and procedures to ensure the security of Utility's data and customer-provided information, including but not limited to choosing a reputable cloud-server vendor with appropriate physical security of server infrastructure, secure public-private key-based login to all WaterSmart server infrastructure, password authentication on all Web site interaction, and audit logging. WaterSmart provides Utility with private key access to a secure FTP destination for regular delivery of the data. This secure FTP site is hosted on WaterSmart's server infrastructure. Utility agrees to send data only through this secure channel and not through any other method. Ill Ill Ill /II Ill Ill Ill Ill Ill Ill 16 PSA19-508UTIL EXHIBIT B: PAYMENT TERMS Compensation and Utility Obligations For items listed in the above Scope of Services, Utility shall compensate WaterSmart according to the Fee Schedule below. Utility acknowledges its responsibilities and obligations, in particular in regards to the expertise and planned IT commitment to provide data needs as described in the Data Specification file. Delays on the part of the utility may reduce the number of months the Utility and its customers have access to WaterSmart products and services, but does not reduce Fee Schedule. Table 1: Fee Schedule Description Units/Price Setup and Training (one-time $15,000 fee) Discount: $5,000 Single Sign On (one-time fee) $5,500 Year 1: Platform, Group $43,980 Messenger, and Suooort fee Discount: $3,480 TOTAL for initial 12 months Total Discount: $8,480 Platform, Group Messenger, $50,500 and Support fee for extension terms Contact for Invoices Utility contact for all invoicing purposes is Mario Remillard Meter & Customer Services Supervisor/Conservation Coordinator Carlsbad Municipal Water District 5950 El Camino Real Carlsbad, Ca 92008 760-438-2722 Ext. 7153 Mario. Remillard@carlsbadca.gov Cost Invoicing schedule $10,000 $5,500 $40,500 Upon $56,000 agreement signature $50,500 Annually, upon extension For any questions regarding WaterSmart Contracts, please contact WaterSmart Accounting at business@watersmart.com, 415.366.8622 x 815. All written correspondence can be sent to: 17 Accounting Department WaterSmart Software 20 California Street, Suite 200 San Francisco, CA94111 PSA 19-508UTIL EXHIBIT C: SCHEDULE OF PERFORMANCE foitialization Schedule WaterSmart proposes the following schedule to initialize and launch the program. Table 1: Estimated Initialization Schedule T k Weeks Weeks Weeks Weeks Weeks Weeks as 1-2 3-4 5-6 7-8 9-10 11-12 Kickoff Meeting - Utility Completes Launch Questionnaire Data Acquisition Process Configuration & Content Review Process Dashboard and Portal are Live WaterSmart Training for Utility Staff 18 PSA19-508UTIL Exhibit D Software-as-a-Service Provisions BACKGROUND: CONTRACTOR's customer engagement and data analytics services are to be provided primarily by utilization of CONTRACTOR's proprietary software hosted on CONTRACTOR's computer systems and accessed by authorized users over the Internet. This is a shared cost software utilization model which enables customers to achieve substantial cost savings versus commissioning custom development of software or licensing software for installation and maintenance on customers' computer systems. Companies like CONTRACTOR are commonly referred to as "SaaS" or "software-as-a-service" providers. Certain supplemental provisions which are customary within the Saas sector and essential to enabling CONTRACTOR's Saas service model and providing substantial cost savings for CMWD, are set forth below and incorporated by reference in the Agreement. Also included below are additional terms applicable to bill payment, leak alert and group messenger services if such services are elected by CMWD. A. CONTRACTOR's Reservation of Intellectual Property Rights CONTRACTOR has created, acquired or otherwise currently has rights in, and may, in connection with the performance of this Agreement or otherwise develop, create, employ, provide, modify, acquire or otherwise obtain rights in various inventions, concepts, ideas, methods, methodologies, procedures, processes, know-how, techniques, models, templates, software, applications, documentation, user interfaces, screen and print designs, source code, object code, databases, algorithms, development framework repositories, system designs, processing techniques, tools, utilities, routines and other property or materials, including without limitation any and all subject matter protected or which may be protected under patent, copyright, mask work, trademark, trade secret, or other laws relating to intellectual property, whether existing now or in the future, whether statutory or common law, in any jurisdiction in the world ("CONTRACTOR IP"). CMWD acknowledges that CONTRACTOR owns and shall own all intellectual property rights in and to deliverables hereunder, the CONTRACTOR IP and derivative works of CONTRACTOR IP (whether independently or jointly conceived), regardless of whether or not incorporated in any print or electronic Water Reports, Customer Portal, Utility Dashboard, or other software or deliverable provided to CMWD by CONTRACTOR, and that CMWD shall acquire no right or interest in the same. CMWD agrees to assign, and hereby does assign, any right, title and interest in any suggestions, enhancement requests, or other feedback provided by CMWD relating to services offered by CONTRACTOR. If and to the extent any such assignment is ineffective, CMWD hereby grants to CONTRACTOR a royalty-free, worldwide, irrevocable, perpetual license to use and incorporate into its services any such suggestions, enhancement requests, or other feedback provided by CMWD. Subject to the foregoing, authorized employees and customers of CMWD may during the term of the Agreement access and use the CONTRACTOR Saas services, print and electronic Water Reports, Customer Portal, Utility Dashboard, Extended Messaging Services, other deliverables provided to CMWD by CONTRACTOR, and applicable bill presentment services, each as so specified by the Scope of Work, for purposes of CMWD's customer engagement program, customer billing, and for CMWD's internal purposes, so long as CMWD is current with respect to its financial and other obligations under the Agreement. Such authorization is limited to CMWD's service territory and is non-exclusive, non-transferable, and non-sublicenseable. If CMWD enters into an agreement with a third-party contractor of CONTRACTOR related to bill payment services, 19 City Attorney Approved Version 9/27/17 PSA 19-508UTIL the intellectual property provisions of such agreement shall apply with respect to intellectual property owned or controlled by such third party. Any rights not expressly granted herein are reserved by CONTRACTOR and its licensors. B. CMWD's Cooperation in Providing Necessary Inputs Deliverables to be provided by CONTRACTOR via its proprietary software require certain data from CMWD. CMWD shall provide CONTRACTOR with those data, records, reports, approvals and other inputs identified for CMWD to provide in the Scope of Work or otherwise requested by CONTRACTOR. CMWD shall ensure that such inputs are accurate and within City's legal rights to share with CONTRACTOR subject to the confidentiality and other applicable provisions of the Agreement. Time is of the essence, and CMWD shall provide its inputs within the timeframes specified for CMWD by the Scope of Work. If bill payment services are included in the Scope of Work, CMWD shall cooperate with CONTRACTOR and its applicable third-party partner(s) in timely providing the data, records, reports, approvals and other inputs requested for such services. CONTRACTOR shall not be responsible for delays outside CONTRACTOR's control, and deadlines for CONTRACTOR's performance shall be adjusted, if necessary, to accommodate delays by CMWD. C. Confidentiality and CONTRACTOR's use of Aggregated Data All data, documents and other information received or accessed by Contractor from CMWD or its end users for performance of this Agreement, including without limitation personally identifiable information and financial information, are deemed confidential. Such information shall not be used or disclosed by Contractor without the prior written consent of CMWD or owner (which may include without limitation consent by end users to share any information with additional users they authorize), except to Contractor's employees and contractors on a need-to-know basis for performance of this Agreement with appropriate confidentiality protections. For this purpose, protected confidential information shall not include (i) information that, at the time of disclosure, is publicly available or generally known or available to third parties, or information that later becomes publicly available or generally known or available to third parties through no act or omission by Contractor; (ii) information that Contractor can demonstrate was in its possession prior to receipt from CMWD or owner; (iii) information received by Contractor from a third party who, to Contractor's knowledge and reasonable belief, did not acquire such information on a confidential basis from CMWD or owner; (iv) information Contractor can demonstrate was independently developed by it or a third party; or (v) information that Contractor is legally required or compelled by a court to disclose. The foregoing confidentiality obligations are subject to the following clarification of the parties' rights and obligations with respect to aggregated and anonymous data. CMWD hereby gives its permission to CONTRACTOR to use and disclose on an anonymous and/or aggregated basis (excluding any personally identifiable information) any data pertaining to CMWD end customers and their water consumption, including without limitation derivative data and data combined with the data of other utilities, for purposes of project evaluation and any research, product development, marketing, or other legitimate business purposes. This Section C shall survive any termination or expiration of the Agreement. CONTRACTOR shall post and comply with its applicable privacy policy. D. Software Corrections and Third-Party Acts; Limitation of: Liability for Saas Services In the event that CONTRACTOR's services fail to meet specifications or other requirements specified by the Scope of Work, CMWD shall promptly notify CONTRACTOR and CONTRACTOR shall promptly correct any defect or substitute services, software, or products to achieve the functionality and benefits originally specified. All warranties not expressly stated in the Agreement 20 City Attorney Approved Version 9/27 /17 PSA 19-508UTI L are disclaimed. CMWD understands that CMWD's use of CONTRACTOR's services provided online may be interrupted by circumstances beyond CONTRACTOR's control involving third parties, including without limitation computer, telecommunications, network, Internet service provider or hosting facility failures or delays involving hardware, software, networks, or power systems not within CONTRACTOR's possession or direct control, and network intrusions or denial of service attacks (collectively, "Third Party Acts"). CONTRACTOR shall not be responsible or otherwise liable for any Third-Party Acts, including, without limitation, any delays, failures, or security breaches and damages resulting from or due to any Third-Party Acts, provided that CONTRACTOR has exercised due care. However, in the case of any Third-Party Act which will delay or prevent CONTRACTOR from providing online services to CMWD, CONTRACTOR will promptly notify CMWD and assist in mitigating any impact. Neither party will be liable to the other, under any non-indemnity claim relating to this Agreement, for any indirect, incidental, exemplary, special, reliance or consequential damages, including loss of profits or loss of data, even if advised of the possibility of these damages. Under no circumstances or event shall CONTRACTOR's total cumulative liability for losses or damages of any kind arising under or relating to this Agreement and under any theory (contract, tort, defense and indemnity, or otherwise), exceed the insurance limits in Section 10 of the Agreement with respect to indemnification claims, and otherwise fees received by CONTRACTOR for the services that give rise to the liability in the twelve months preceding the accrual of such liability. The foregoing limited remedy and limitation of liability provisions shall apply notwithstanding any conflicting provisions or any failure of essential purpose with respect to a limited remedy or limitation of liability, and shall survive any termination or expiration of the Agreement. CMWD acknowledges that pricing for CONTRACTOR's services would be substantially higher without the aforementioned limitations. E. Technology and Services Infrastructure Vendors CONTRACTOR as a Saas provider utilizes the secure cloud hosting platform of a third-party industry leader in cloud computing with state-of-the art security to host the data of all CONTRACTOR customers. CONTRACTOR utilizes a reputable third-party vendor to perform printing and mailing services when included within the scope of CONTRACTOR's work. For bill payment services, including credit card, debit card, and ACH payments and authentication, CONTRACTOR works with leading edge, reputable third-party vendors specializing in such functions. Since the referenced cloud hosting platform, printing and mailing vendors, bill payment services providers, and certain other vendors performing similar or related functions, are integral components of CONTRACTOR's technology and services infrastructure used across its pertinent customer base and are not specific to CMWD and services under this Agreement, CMWD acknowledges that such utilization or collaboration is not considered subcontracting of CONTRACTOR's services under this Agreement. If CMWD elects to make available to its end users optional bill payment services, CMWD acknowledges that such services are provided by a third party independent contractor, and such services shall not be activated until CMWD enters into an agreement directly with such third party which shall govern CMWD's rights and obligations with respect to such services. CMWD's only remedies with respect to such services shall be from such third party (not CONTRACTOR), except in the case of CONTRACTOR's willful misconduct. F. Compliance with Laws CONTRACTOR shall comply with all federal, state and local laws, regulations, regulatory rulings, and ordinances as may be applicable to the performance of its services under this Agreement. CMWD shall comply with all federal, state and local laws, regulations, regulatory rulings, and ordinances related to this Agreement, and shall have sole responsibility for securing any necessary regulatory approvals, if any, for this Agreement and/or the services hereunder. 21 City Attorney Approved Version 9/27 /17 PSA19-508UTIL CMWD shall be responsible for obtaining from its end customers any consents and providing any notices, if any are legally required, for the services to be provided by CONTRACTOR hereunder, as well as any bill payment or other third-party services elected by CMWD. G. Extended Messaging Services If CMWD elects to utilize CONTRACTOR's leak alert or group messenger services, certain supplemental legal terms shall apply. These supplemental terms ("Extended Messaging Terms") are set forth below and shall prevail in the event of any conflict or inconsistency. For avoidance of doubt, the Extended Messaging Terms apply to all CONTRACTOR services involving automated phone calls (conventional and mobile), pre-recorded messages, text messages, and other such bulk communications (including emails outside of CONTRACTOR's core customer engagement offerings) (collectively, "Extended Messaging Services"). 1. CMWD shall be solely responsible for the content of any messages or communications to end customers which CMWD initiates or authorizes in connection with the Extended Messaging Services, as well as CMWD's selection of any vehicle (ie., conventional phone, mobile phone, text, email) for such messages or communications. CONTRACTOR shall have no responsibility or liability of any kind with respect to messages or communications initiated or authorized by CMWD or its representatives. In furtherance of the foregoing, CMWD shall hold harmless, defend and indemnify CONTRACTOR and its officers, directors, employees, contractors, representatives and volunteers from and against all claims, damages, losses and expenses including without limitation any statutory damages, penalties, and attorney's fees, arising out of or relating to the Extended Messaging Services, except in the event of CONTRACTOR's negligence, recklessness, or willful misconduct. For avoidance of doubt, if the Agreement has other indemnity provisions in favor of CMWD such provisions shall not apply to the Extended Messaging Services, except in the event of CONTRACTOR's negligence, recklessness, or willful misconduct. 2. If CMWD elects to make available to its end customers Extended Messaging Services offered by CONTRACTOR to alert end users of potential leaks or high-water usage, the pertinent end users and CMWD assume all risks associated with such alerts, and no indemnity provisions in favor of CMWD shall apply to such risks (including without limitation any liability claims for failure to alert or inaccurate alerts), except in the event of CONTRACTOR's negligence, recklessness, or willful misconduct. 3. With respect to Extended Messaging Services, CONTRACTOR's role is limited to delivering via its technology platform CMWD's communications through vehicles selected by CMWD; accordingly, compliance with applicable laws (which may vary by state and locale) is strictly CMWD's responsibility with respect to Extended Messaging Services notwithstanding any provision to the contrary. · 4. CMWD is encouraged to consult legal counsel of its own with respect to this Agreement and in reference to Feder.al Communications Commission Declaratory Ruling FCC 16-88 (released August 4, 2016), any Extended Messaging Services, and compliance with applicable federal, state and local laws, regulations and regulatory rulings, and ordinances. CMWD shall not rely on CONTRACTOR or CONTRACTOR's representatives for legal advice or guidance concerning the content or appropriate vehicles (ie., conventional phone, mobile phone, text, email) for communications with CMWD end customers. 5. In order to provide the Extended Messaging Services at efficient cost and with optimal levels of security and reliability, CONTRACTOR may utilize one or more third party communications technology and communications services providers. Since such providers are utilized across CONTRACTOR's pertinent customer base and are not specific to CMWD and service choices by CMWD under the Agreement, CMWD acknowledges that such utilization is not considered subcontracting of CONTRACTOR's services under the Agreement. 22 City Attorney Approved Version 9/27/17 ACORD® CERTIFICATE OF LIABILITY INSURANCE I DATE (MM/DDIYYYY) L--,---· 08/13/2018 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT Willis Wong NAME: Jaffe-Schlossberg, Inc. rl)gNJ0 Fxtl: (415) 221-5340 I r:tNol: (415) 221-5395 3502 Geary Blvd, 3rd Floor E-MAIL willis@jaffe-schlossberg.com ADDRESS: INSURER(S) AFFORDING COVERAGE NAIC# San Francisco CA 94118 INSURER A: Sentinel Ins Co, LTD 11000 INSURED INSURER B: Hartford Fire Ins Co 19682 Watersmart Software, Inc. INSURER C: 20 California St Ste 200 INSURER D: INSURER E: San Francisco CA 94111 INSURER F: COVERAGES CERTIFICATE NUMBER: CL 187204762 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ,~uuc ,~u~, POLICY EFF POLICY EXP LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER fMM/DD/YYYYI fMM/DDIYYYYI LIMITS X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2,000,000 -D CLAIMS-MADE [8] OCCUR DAMAGE TO RENTED PREMISES (Ea occurrence) $ 1,000,000 -MED EXP (Any one person) $ 10,000 -A y 57SBABG6972 07/01/2018 07/01/2019 PERSONAL & ADV INJURY $ 2,000,000 -GEN'LAGGREGATE LIMIT APPLIES PER GENERAL AGGREGATE $ 4,000,000 ~ DPRO-DLOC 4,000,000 POLICY JECT PRODUCTS -COMP/OP AGG $ OTHER· $ AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ 2,000,000 (Ea accident) -ANY AUTO BODILY INJURY (Per person) $ --OWNED SCHEDULED A AUTOS ONLY AUTOS y 57SBABG6972 07/01/2018 07/01/2019 BODILY INJURY (Per accident) $ --HIRED NON-OWNED PROPERTY DAMAGE X AUTOS ONLY X AUTOS ONLY /Per accident) $ -- $ X UMBRELLA LIAB ~ OCCUR EACH OCCURRENCE $ 3,000,000 A -57SBABG6972 07/01/2018 EXCESS LIAB CLAIMS-MADE y 07/01/2019 AGGREGATE $ 3,000,000 OED I XI RETENTION $ 10,000 $ WORKERS COMPENSATION XI ~~fTUTE I I OTH- AND EMPLOYERS' LIABILITY ER Y/N A ANY PROPRIETOR/PARTNER/EXECUTIVE D 57WBCZQ4909 07/01/2018 07/01/2019 E L EACH ACCIDENT $ 1,000,000 OFFICER/MEMBER EXCLUDED? NIA (Mandatory in NH) E L. DISEASE -EA EMPLOYEE $ 1,000,000 If yes, describe under 1,000,000 DESCRIPTION OF OPERATIONS below E.L DISEASE -POLICY LIMIT $ Limit $5,000,000 B Professional Liability 57TE032124618 07/01/2018 07/01/2019 Data Breach/Internet Liab DESCRIPTION OF OPERATIONS/ LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) City of Carlsbad/CMWD is named as an Additional Insured, as required by written contract, per the Business Liability Coverage SS0008 attached to this policy. Notice of cancellation to certificate holders is 30 days CERTIFICATE HOLDER CANCELLATION City of Carlsbad/CMWD c/o EXIGIS Insurance Compliance Services PO Box 4668 -ECM #35050 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE New York NY 10163 © 1988-2015 ACORD CORPORATION. All rights reserved. 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