ISO ADDITIONAL

INSURED FORMS

POLICY NUMBER: COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 20 10 11 85 Copyright, Insurance Services Office, Inc., 1984 Page 1 of 1 oo

ADDITIONAL INSURED – OWNERS, LESSEES ORCONTRACTORS – (FORM B)

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART.

SCHEDULEName of Person or Organization:

(If no entry appears above, information required to complete this endorsement will be shown in the Declarationsas applicable to this endorsement.)

WHO IS AN INSURED (Section II) is amended to include as an insured the person or organization shown in theSchedule, but only with respect to liability arising out of "your work" for that insured by or for you.

CG2010 10/93 and CG2010 3/97 are later versions of the Additional Insured form that exist but we rarely see them requested within contracts

POLICY NUMBER: COMMERCIAL GENERAL LIABILITYCG 20 10 10 01

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 20 10 10 01 © ISO Properties, Inc., 2000 Page 1 of 1 ����

ADDITIONAL INSURED – OWNERS, LESSEES ORCONTRACTORS – SCHEDULED PERSON OR

ORGANIZATIONThis endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name of Person or Organization:

(If no entry appears above, information required to complete this endorsement will be shown in the Declarations asapplicable to this endorsement.)

A. Section II – Who Is An Insured is amended toinclude as an insured the person or organizationshown in the Schedule, but only with respect toliability arising out of your ongoing operationsperformed for that insured.

B. With respect to the insurance afforded to theseadditional insureds, the following exclusion isadded:2. Exclusions

This insurance does not apply to "bodily in-jury" or "property damage" occurring after:

(1) All work, including materials, parts orequipment furnished in connection withsuch work, on the project (other thanservice, maintenance or repairs) to beperformed by or on behalf of the addi-tional insured(s) at the site of the cov-ered operations has been completed;or

(2) That portion of "your work" out of whichthe injury or damage arises has beenput to its intended use by any person ororganization other than another con-tractor or subcontractor engaged inperforming operations for a principal asa part of the same project.

POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CG 20 10 07 04

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 20 10 07 04 © ISO Properties, Inc., 2004 Page 1 of 1 !!!!

ADDITIONAL INSURED � OWNERS, LESSEES OR CONTRACTORS � SCHEDULED PERSON OR

ORGANIZATION This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name Of Additional Insured Person(s)

Or Organization(s): Location(s) Of Covered Operations

Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II � Who Is An Insured is amended to

include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by:

1. Your acts or omissions; or 2. The acts or omissions of those acting on your

behalf; in the performance of your ongoing operations for the additional insured(s) at the location(s) desig-nated above.

B. With respect to the insurance afforded to these additional insureds, the following additional exclu-sions apply: This insurance does not apply to "bodily injury" or "property damage" occurring after:

1. All work, including materials, parts or equip-ment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured(s) at the location of the covered operations has been completed; or

2. That portion of "your work" out of which the injury or damage arises has been put to its in-tended use by any person or organization other than another contractor or subcontractor en-gaged in performing operations for a principal as a part of the same project.

COMMERCIAL GENERAL LIABILITYCG 20 33 10 01

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 20 33 10 01 © ISO Properties, Inc., 2000 Page 1 of 1 ����

ADDITIONAL INSURED – OWNERS, LESSEES ORCONTRACTORS – AUTOMATIC STATUS WHEN

REQUIRED IN CONSTRUCTION AGREEMENT WITH YOUThis endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. Section II – Who Is An Insured is amended toinclude as an insured any person or organizationfor whom you are performing operations when youand such person or organization have agreed inwriting in a contract or agreement that such personor organization be added as an additional insuredon your policy. Such person or organization is anadditional insured only with respect to liability aris-ing out of your ongoing operations performed forthat insured. A person’s or organization’s status asan insured under this endorsement ends whenyour operations for that insured are completed.

B. With respect to the insurance afforded to theseadditional insureds, the following additional exclu-sions apply:2. Exclusions

This insurance does not apply to:a. "Bodily injury", "property damage" or "per-

sonal and advertising injury" arising out ofthe rendering of, or the failure to render, anyprofessional architectural, engineering orsurveying services, including:

(1) The preparing, approving, or failing toprepare or approve, maps, shop draw-ings, opinions, reports, surveys, field or-ders, change orders or drawings andspecifications; and

(2) Supervisory, inspection, architectural orengineering activities.

b. "Bodily injury" or "property damage" occur-ring after:

(1) All work, including materials, parts orequipment furnished in connection withsuch work, on the project (other thanservice, maintenance or repairs) to beperformed by or on behalf of the addi-tional insured(s) at the site of the cov-ered operations has been completed; or

(2) That portion of "your work" out of whichthe injury or damage arises has beenput to its intended use by any person ororganization other than another con-tractor or subcontractor engaged inperforming operations for a principal asa part of the same project.

COMMERCIAL GENERAL LIABILITY CG 20 33 07 04

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 20 33 07 04 © ISO Properties, Inc., 2004 Page 1 of 1 !!!!

ADDITIONAL INSURED � OWNERS, LESSEES OR CONTRACTORS � AUTOMATIC STATUS WHEN

REQUIRED IN CONSTRUCTION AGREEMENT WITH YOU This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. Section II � Who Is An Insured is amended to

include as an additional insured any person or or-ganization for whom you are performing operations when you and such person or organization have agreed in writing in a contract or agreement that such person or organization be added as an addi-tional insured on your policy. Such person or or-ganization is an additional insured only with re-spect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by:

1. Your acts or omissions; or 2. The acts or omissions of those acting on your

behalf; in the performance of your ongoing operations for the additional insured. A person's or organization's status as an additional insured under this endorsement ends when your operations for that additional insured are com-pleted.

B. With respect to the insurance afforded to these additional insureds, the following additional exclu-sions apply: This insurance does not apply to:

1. "Bodily injury", "property damage" or "personal and advertising injury" arising out of the render-ing of, or the failure to render, any professional architectural, engineering or surveying ser-vices, including:

a. The preparing, approving, or failing to pre-pare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifica-tions; or

b. Supervisory, inspection, architectural or engineering activities.

2. "Bodily injury" or "property damage" occurring after:

a. All work, including materials, parts or equipment furnished in connection with such work, on the project (other than ser-vice, maintenance or repairs) to be per-formed by or on behalf of the additional in-sured(s) at the location of the covered operations has been completed; or

b. That portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontrac-tor engaged in performing operations for a principal as a part of the same project.

POLICY NUMBER: COMMERCIAL GENERAL LIABILITYCG 20 37 10 01

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 20 37 10 01 © ISO Properties, Inc., 2000 Page 1 of 1 ����

ADDITIONAL INSURED – OWNERS, LESSEES ORCONTRACTORS – COMPLETED OPERATIONS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name of Person or Organization:

Location And Description of Completed Operations:

Additional Premium:

(If no entry appears above, information required to complete this endorsement will be shown in the Declarations asapplicable to this endorsement.)

Section II – Who Is An Insured is amended to include as an insured the person or organization shown in theSchedule, but only with respect to liability arising out of "your work" at the location designated and described in theschedule of this endorsement performed for that insured and included in the "products-completed operations haz-ard".

POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CG 20 37 07 04

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 20 37 07 04 © ISO Properties, Inc., 2004 Page 1 of 1 !!!!

ADDITIONAL INSURED � OWNERS, LESSEES OR CONTRACTORS � COMPLETED OPERATIONS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name Of Additional Insured Person(s)

Or Organization(s): Location And Description Of Completed Operations

Information required to complete this Schedule, if not shown above, will be shown in the Declarations. Section II � Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury" or "property dam-age" caused, in whole or in part, by "your work" at the location designated and described in the sched-ule of this endorsement performed for that additional insured and included in the "products-completed operations hazard".

BEWARE! - There is no ISO form which gives Non-

Contributory Language - In order to get Non-Contributory language for

the General Liability coverage, you must request it from the carrier and they will do a manuscript endorsement. Some carriers include the language within their proprietary Additional Insured form (or extension form).

- In order to get Non-Contributory language on the Automobile, you will need to talk to your Underwriter.

CINCINNATIADDITIONAL

INSURED FORMS

Includes copyrighted material of InsuranceGA 472 10 01 Services Office, Inc , with its permission Page 1 of 2

THIS ENDORSEMENT CHANGES THE POLICY PLEASE READ IT CAREFULLY

AUTOMATIC ADDITIONAL INSURED WHENREQUIRED IN CONTRACT OR AGREEMENT WITH YOU

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

1 SECTION II WHO IS AN INSURED, 2 isamended to include:

e Any person or organization, hereinafterreferred to as ADDITIONAL INSURED:

(1) Who or which is not specificallynamed as an additional insured under any other provision of, or endorsement added to, this CoveragePart; and

(2) For whom you are required to add asan additional insured on this Coverage Part

under:

(1) A written contract or agreement; or

(2) An oral agreement or contract wherea certificate of insurance showingthat person or organization as anadditional insured has been issued;

but only with respect to liability arising outof "your work" performed for that additional insured by you or on your behalf Aperson or organization’s status as an insured under this endorsement continuesfor only the period of time required by thewritten contract or agreement, but in noevent beyond the expiration date of thisCoverage Part If there is no written contract or agreement, or if no period of timeis required by the written contract oragreement, a person or organization’sstatus as an insured under this endorsement ends when your operations for thatinsured are completed

2 SECTION IV COMMERCIAL GENERALLIABILITY CONDITIONS is amended to include:

1 Automatic Additional Insured Provision

The written or oral contract or agreementmust be currently in effect or become effective during the term of this CoveragePart The contract or agreement alsomust be executed prior to the "bodily injury", "property damage" or "personal andadvertising injury" to which this endorsement pertains

2 Conformance to Specific Written Contract or Agreement

If a written contract or agreement between you and the additional insuredspecifies that coverage for the additionalinsured:

a Be provided by the Insurance Services Office additional insured formnumber CG 20 10 or CG 20 37(where edition specified); or

b Include coverage for completed operations; or

c Include coverage for "your work";

and where the limits or coverage provided to the additional insured is more restrictive than was specifically required inthat written contract or agreement, theterms of Paragraphs 3 , 4 a (2) and / or4 b , or any combination thereof, of thisendorsement shall be interpreted as providing the limits or coverage required bythe terms of the written contract oragreement, but only to the extent thatsuch limits or coverage is included withinthe terms of the Coverage Part to whichthis endorsement is attached If, however, the written contract or agreementspecifies the Insurance Services Officeadditional insured form number CG 20 10but does not specify which edition, orspecifies an edition that does not exist,Paragraphs 3 and 4 a (2) of this endorsement shall not apply and Paragraph4 b of this endorsement shall apply

3 SECTION III LIMITS OF INSURANCE isamended to include:

The limits applicable to the additional insuredare those specified in the written contract oragreement or in the Declarations of this Coverage Part, whichever are less If no limits arespecified in the written contract or agreement,or if there is no written contract or agreement,the limits applicable to the additional insuredare those specified in the Declarations of thisCoverage Part The limits of insurance are inclusive of and not in addition to the limits ofinsurance shown in the Declarations

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4 The following are added to SECTION ICOVERAGES, COVERAGE A BODILYINJURY AND PROPERTY DAMAGELIABILITY, 2 Exclusions and SECTION ICOVERAGES, COVERAGE B PERSONALAND ADVERTISING INJURY LIABILITY, 2Exclusions:

The insurance provided to the additional insured does not apply to:

a "Bodily injury", "property damage" or"personal and advertising injury" arisingout of the:

(1) Rendering of, or failure to render,any professional architectural, engineering or surveying services, including:

(a) The preparing, approving orfailing to prepare or approvemaps, shop drawings, opinions,reports, surveys, field orders,change orders or drawings andspecifications; and

(b) Supervisory, inspection, architectural or engineering activities;

(2) Sole negligence or willful misconductof, or for defects in design furnishedby, the additional insured or its "employees"

b "Bodily injury" or "property damage" arising out of "your work" included in the"products completed operations hazard"

c "Bodily injury" or "property damage" arising out of "your work" for which a consolidated (wrap up) insurance program hasbeen provided by the prime contractor /project manager or owner of the construction project in which you are involved

5 SECTION IV COMMERCIAL GENERALLIABILITY CONDITIONS, 5 Other Insuranceis amended to include:

a Where required by a written contract oragreement, this insurance is primary and/ or noncontributory as respects any otherinsurance policy issued to the additionalinsured, and such other insurance policyshall be excess and / or noncontributing,whichever applies, with this insurance

b Any insurance provided by this endorsement shall be primary to other insuranceavailable to the additional insured except:

(1) As otherwise provided in SECTIONIV COMMERCIAL GENERALLIABILITY CONDITIONS, 5 OtherInsurance , b Excess Insurance ; or

(2) For any other valid and collectible insurance available to the additionalinsured as an additional insured byattachment of an endorsement toanother insurance policy that is written on an excess basis In suchcase, the coverage provided underthis endorsement shall also be excess

GA 4113 11 99 Includes copyrighted material of InsuranceServices Office, Inc , with its permission

THIS ENDORSEMENT CHANGES THE POLICY PLEASE READ IT CAREFULLY

ADDITIONAL INSURED OWNERS, LESSEES ORCONTRACTORS SCHEDULED PERSON OR

ORGANIZATION YOUR WORK

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name of Person or Organization (Additional Insured):

WHO IS AN INSURED (Section II) is amended to include as an insured the person or organization shown inthe Schedule, but only with respect to liability arising out of "your work" for that Additional Insured by you or onyour behalf

Includes copyrighted material of ISOGA 4078 10 01 Properties, Inc , with its permission

THIS ENDORSEMENT CHANGES THE POLICY PLEASE READ IT CAREFULLY

ADDITIONAL INSURED OWNERS, LESSEES ORCONTRACTORS SCHEDULED PERSON OR ORGANIZATION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name of Person or Organization (Additional Insured):

A SECTION II WHO IS AN INSURED isamended to include as an insured the personor organization shown in the Schedule, butonly with respect to liability arising out of yourongoing operations performed for that additional insured by you or on your behalf

B SECTION I COVERAGES is amended toinclude:

The insurance provided to the additional insured does not apply to:

1 "Bodily injury", "property damage" or"personal and advertising injury" arisingout of the:

a Rendering of, or failure to render,any professional architectural, engineering or surveying services, including:

(1) The preparing, approving or failing to prepare or approve maps,shop drawings, opinions, reports,surveys, field orders, change orders or drawings and specifications; and

(2) Supervisory, inspection, architectural or engineering activities;

b Sole negligence or willful misconductof, or for defects in design furnishedby, the additional insured or its "employees"

2 "Bodily injury" or "property damage" arising out of "your work" included in the"products completed operations hazard"

C SECTION III LIMITS OF INSURANCE isamended to include:

The limits of insurance applicable to the additional insured are inclusive of and not in addition to the limits of insurance shown in theDeclarations

D SECTION IV COMMERCIAL GENERALLIABILITY CONDITIONS, 5 Other Insuranceis amended to include:

Any insurance provided by this endorsementshall be primary to other insurance availableto the additional insured except:

a As otherwise provided in SECTION IVCOMMERCIAL GENERAL LIABILITYCONDITIONS, 5 Other Insurance ; or

b For any other valid and collectible insurance available to the additional insuredas an additional insured by attachment ofan endorsement to another insurancepolicy that is written on an excess basisIn such case, the coverage provided under this endorsement shall also be excess

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THIS ENDORSEMENT CHANGES THE POLICY PLEASE READ IT CAREFULLY

CONTRACTORS’ COMMERCIAL GENERAL LIABILITYBROADENED ENDORSEMENT

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A Endorsement Table of Contents:

Coverage: Begins on Page:

1 Employee Benefit Liability Coverage 22 Unintentional Failure to Disclose Hazards 73 Damage to Premises Rented to You 84 Supplementary Payments 95 Medical Payments 96 Voluntary Property Damage (Coverage a ) and Care, Custody or Control

Liability Coverage (Coverage b ) 97 180 Day Coverage for Newly Formed or Acquired Organizations 108 Waiver of Subrogation 109 Automatic Additional Insured Specified Relationships: 10

Managers or Lessors of Premises;Lessor of Leased Equipment;Vendors;State or Political Subdivisions Permits Relating to Premises;State or Political Subdivisions Permits; andContractors’ Operations

10 Broadened Contractual Liability Work Within 50’ of Railroad Property 1411 Property Damage to Borrowed Equipment 1412 Employees as Insureds Specified Health Care Services: 14

Nurses;Emergency Medical Technicians; andParamedics

13 Broadened Notice of Occurrence 14

B Limits of Insurance:

The Commercial General Liability Limits of Insurance apply to the insurance provided by this endorsement, except as provided below:

1 Employee Benefit Liability Coverage

Each Employee Limit: $ 1,000,000Aggregate Limit: $ 3,000,000Deductible: $ 1,000

3 Damage to Premises Rented to You

The lesser of:

a The Each Occurrence Limit shown in the Declarations; or

b $500,000

4 Supplementary Payments

a Bail bonds: $ 1,000

b Loss of earnings: $ 350

5 Medical Payments

Medical Expense Limit: $ 10,000

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6 Voluntary Property Damage (Coverage a ) and Care, Custody or Control Liability Coverage(Coverage b )

Limits of Insurance (Each Occurrence)Coverage a $1,000Coverage b $5,000 unless otherwise stated $

Deductibles (Each Occurrence)Coverage a $250Coverage b $250 unless otherwise stated $

COVERAGE PREMIUM BASIS(a) Area(b) Payroll(c) Gross Sales(d) Units(e) Other

RATE

(For Limits in Excess of$5,000)

ADVANCE PREMIUM

(For Limits in Excess of$5,000)

b Care, Custodyor Control $

TOTAL ANNUAL PREMIUM $

11 Property Damage to Borrowed Equipment

Each Occurrence Limit: $ 10,000Deductible: $ 250

C Coverages:

1 Employee Benefit Liability Coverage

a The following is added to SECTION ICOVERAGES: Employee Benefit

Liability Coverage

(1) Insuring Agreement

(a) We will pay those sums thatthe insured becomes legallyobligated to pay as damages caused by any act, error or omission of the insured, or of any other person for whose acts the insured is legally liable, towhich this insurance applies We will have the rightand duty to defend the insured against any "suit"seeking those damagesHowever, we will have noduty to defend against any"suit" seeking damages towhich this insurance doesnot apply We may, at ourdiscretion, investigate anyreport of an act, error oromission and settle anyclaim or "suit" that may result But:

1) The amount we will payfor damages is limitedas described in SECTION III LIMITS OFINSURANCE; and

2) Our right and duty todefend ends when wehave used up the ap

plicable limit of insurance in the payment ofjudgments or settlements

No other obligation or liability to pay sums or performacts or services is coveredunless explicitly provided forunder Supplementary Payments

(b) This insurance applies todamages only if the act, error or omission, is negligently committed in the"administration" of your"employee benefit program"; and

1) Occurs during the policy period; or

2) Occurred prior to theeffective date of thisendorsement provided:

a) You did not haveknowledge of aclaim or "suit" onor before the effective date of thisendorsement

You will bedeemed to haveknowledge of aclaim or "suit"when any"authorized representative";

i) Reports all, or

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any part, of theact, error oromission to usor any otherinsurer;

ii) Receives awritten or verbal demand orclaim for damages becauseof the act, error or omission; and

b) There is no otherapplicable insurance

(2) Exclusions

This insurance does not applyto:

(a) Bodily Injury, PropertyDamage or Personal andAdvertising Injury

"Bodily injury", "propertydamage" or "personal andadvertising injury"

(b) Dishonest, Fraudulent,Criminal or Malicious Act

Damages arising out of anyintentional, dishonest,fraudulent, criminal or malicious act, error or omission,committed by any insured,including the willful or reckless violation of any statute

(c) Failure to Perform a Contract

Damages arising out of failure of performance of contract by any insurer

(d) Insufficiency of Funds

Damages arising out of aninsufficiency of funds tomeet any obligations underany plan included in the"employee benefit program"

(e) Inadequacy of Performance of Investment / Advice Given With Respectto Participation

Any claim based upon:

1) Failure of any investment to perform;

2) Errors in providing information on past per

formance of investmentvehicles; or

3) Advice given to anyperson with respect tothat person’s decisionto participate or not toparticipate in any planincluded in the "employee benefit program"

(f) Workers’ Compensationand Similar Laws

Any claim arising out ofyour failure to comply withthe mandatory provisions ofany workers’ compensation,unemployment compensation insurance, social security or disability benefits lawor any similar law

(g) ERISA

Damages for which any insured is liable because ofliability imposed on a fiduciary by the Employee Retirement Income SecurityAct of 1974, as now orhereafter amended, or byany similar federal, state orlocal laws

(h) Available Benefits

Any claim for benefits to theextent that such benefitsare available, with reasonable effort and cooperationof the insured, from the applicable funds accrued orother collectible insurance

(i) Taxes, Fines or Penalties

Taxes, fines or penalties,including those imposedunder the Internal RevenueCode or any similar state orlocal law

(j) Employment RelatedPractices

Any liability arising out ofany:

(1) Refusal to employ;

(2) Termination of employment;

(3) Coercion, demotion,evaluation, reassignment, discipline, defamation, harassment,humiliation, discrimination or other employ

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ment related practices,acts or omissions; or

(4) Consequential liabilityas a result of (1), (2) or(3) above

This exclusion applieswhether the insured may beheld liable as an employeror in any other capacity andto any obligation to sharedamages with or repaysomeone else who mustpay damages because ofthe injury

(3) Supplementary Payments

SECTION I COVERAGES,SUPPLEMENTARY PAYMENTS COVERAGES A ANDB also apply to this Coverage

b Who is an Insured

As respects Employee Benefit Liability Coverage, SECTION II WHO ISAN INSURED is deleted in its entirety and replaced by the following:

(1) If you are designated in theDeclarations as:

(a) An individual, you and yourspouse are insureds, butonly with respect to theconduct of a business ofwhich you are the soleowner

(b) A partnership or joint venture, you are an insuredYour members, your partners, and their spouses arealso insureds but only withrespect to the conduct ofyour business

(c) A limited liability company,you are an insured Yourmembers are also insureds,but only with respect to theconduct of your businessYour managers are insureds, but only with respect to their duties as yourmanagers

(d) An organization other thana partnership, joint ventureor limited liability company,you are an insured Your"executive officers" and directors are insureds, butonly with respect to theirduties as your officers or directors Your stockholdersare also insureds, but onlywith respect to their liabilityas stockholders

(e) A trust, you are an insuredYour trustees are also insureds, but only with respect to their duties astrustees

(2) Each of the following is also aninsured:

(a) Each of your "employees"who is or was authorized toadminister your "employeebenefit program"

(b) Any persons, organizationsor "employees" havingproper temporary authorization to administer your"employee benefit program"if you die, but only until yourlegal representative is appointed

(c) Your legal representative ifyou die, but only with respect to duties as suchThat representative willhave all your rights and duties under this CoveragePart

(3) Any organization you newly acquire or form, other than a partnership, joint venture or limitedliability company, and overwhich you maintain ownershipor majority interest, will qualifyas a Named Insured if no othersimilar insurance applies to thatorganization However, coverage under this provision:

(a) Is afforded only until the180th day after you acquireor form the organization orthe end of the policy period,whichever is earlier; and

(b) Does not apply to any act,error or omission that wascommitted before you acquired or formed the organization

c Limits of Insurance

As respects Employee Benefit Liability Coverage, SECTION III LIMITSOF INSURANCE is deleted in its entirety and replaced by the following:

(1) The Limits of Insurance shownin Section B Limits of Insurance, 1 Employee Benefit Liability Coverage and the rulesbelow fix the most we will payregardless of the number of:

(a) Insureds;

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(b) Claims made or "suits"brought;

(c) Persons or organizationsmaking claims or bringing"suits";

(d) Acts, errors or omissions; or

(e) Benefits included in your"employee benefit program"

(2) The Aggregate Limit shown inSection B Limits of Insurance,1 Employee Benefit LiabilityCoverage of this endorsementis the most we will pay for alldamages because of acts, errors or omissions negligentlycommitted in the "administration" of your "employee benefitprogram"

(3) Subject to the limit described in(2) above, the Each EmployeeLimit shown in Section B Limitsof Insurance, 1 EmployeeBenefit Liability Coverage ofthis endorsement is the most wewill pay for all damages sustained by any one "employee",including damages sustained bysuch "employee’s" dependentsand beneficiaries, as a result of:

(a) An act, error or omission; or

(b) A series of related acts, errors or omissions, regardless of the amount of timethat lapses between suchacts, errors or omissions,

negligently committed in the"administration" of your "employee benefit program"

However, the amount paid under this endorsement shall notexceed, and will be subject tothe limits and restrictions thatapply to the payment of benefitsin any plan included in the "employee benefit program"

(4) Deductible Amount

(a) Our obligation to pay damages on behalf of the insured applies only to theamount of damages in excess of the deductibleamount stated in the Declarations as applicable toEach Employee The limitsof insurance shall not bereduced by the amount ofthis deductible

(b) The deductible amountstated in the Declarationsapplies to all damagessustained by any one "employee", including such"employee’s" dependentsand beneficiaries, becauseof all acts, errors or omissions to which this insurance applies

(c) The terms of this insurance,including those with respectto:

1) Our right and duty todefend the insuredagainst any "suits"seeking those damages; and

2) Your duties, and theduties of any other involved insured, in theevent of an act, error oromission, or claim,

apply irrespective of theapplication of the deductibleamount

(d) We may pay any part or allof the deductible amount toeffect settlement of anyclaim or "suit" and, uponnotification of the actiontaken, you shall promptlyreimburse us for such partof the deductible amount aswe have paid

d Additional Conditions

As respects Employee Benefit Liability Coverage, SECTION IVCOMMERCIAL GENERAL LIABILITY CONDITIONS is amended asfollows:

(1) Item 2 Duties in the Event ofOccurrence, Offense, Claim orSuit is deleted in its entirety andreplaced by the following:

2 Duties in the Event of an Act, Error orOmission, or Claim or Suit

a You must see to it that we are notified as soon as practicable of an act,error or omission which may result ina claim To the extent possible, notice should include:

(1) What the act, error or omissionwas and when it occurred; and

(2) The names and addresses ofanyone who may suffer damages as a result of the act, erroror omission

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b If a claim is made or "suit" is broughtagainst any insured, you must:

(1) Immediately record the specificsof the claim or "suit" and thedate received; and

(2) Notify us as soon as practicable

You must see to it that we receivewritten notice of the claim or "suit" assoon as practicable

c You and any other involved insuredmust:

(1) Immediately send us copies ofany demands, notices, summonses or legal papers received in connection with theclaim or "suit";

(2) Authorize us to obtain recordsand other information;

(3) Cooperate with us in the investigation or settlement of the claimor defense against the "suit";and

(4) Assist us, upon our request, inthe enforcement of any rightagainst any person or organization which may be liable to theinsured because of an act, erroror omission to which this insurance may also apply

d No insured will, except at that insured’s own cost, voluntarily make apayment, assume any obligation, orincur any expense without our consent

(2) Item 5 Other Insurance is deleted in its entirety and replacedby the following:

5 Other Insurance

If other valid and collectibleinsurance is available to theinsured for a loss we coverunder this Coverage Part,our obligations are limitedas follows:

a Primary Insurance

This insurance is primary except when cbelow applies If thisinsurance is primary,our obligations are notaffected unless any ofthe other insurance isalso primary Then, wewill share with all thatother insurance by themethod described in bbelow

b Method of Sharing

If all of the other insurance permits contribution by equal shares,we will follow thismethod also Underthis approach each insurer contributes equalamounts until it haspaid its applicable limitof insurance or none ofthe loss remains,whichever comes first

If any of the other insurance does not permit contribution byequal shares, we willcontribute by limitsUnder this method,each insurer’s share isbased on the ratio of itsapplicable limit of insurance to the total applicable limits of insurance of all insurers

c No Coverage

This insurance shall notcover any loss forwhich the insured isentitled to recovery under any other insurance in force previousto the effective date ofthis Coverage Part

e Additional Definitions

As respects Employee Benefit Liability Coverage, SECTION VDEFINITIONS is amended as follows:

(1) The following definitions areadded:

1 "Administration" means:

a Providing information to"employees", includingtheir dependents andbeneficiaries, with respect to eligibility for orscope of "employeebenefit programs";

b Interpreting the "employee benefit programs";

c Handling records inconnection with the"employee benefit programs"; or

d Effecting, continuing orterminating any "employee’s" participation

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in any benefit includedin the "employee benefit program"

However, "administration"does not include:

a Handling payroll deductions; or

b The failure to effect ormaintain any insuranceor adequate limits ofcoverage of insurance,including but not limitedto unemployment insurance, social securitybenefits, workers’ compensation and disabilitybenefits

2 "Cafeteria plans" meansplan authorized by applicable law to allow "employees" to elect to pay for certain benefits with pre taxdollars

3 "Employee benefit programs" means a programproviding some or all of thefollowing benefits to "employees", whether providedthrough a "cafeteria plan" orotherwise:

a Group life insurance;group accident orhealth insurance; dental, vision and hearingplans; and flexiblespending accounts;provided that no oneother than an "employee" may subscribeto such benefits andsuch benefits are madegenerally available tothose "employees" whosatisfy the plan’s eligibility requirements;

b Profit sharing plans,employee savingsplans, employee stockownership plans, pension plans and stocksubscription plans,provided that no oneother than an "employee" may subscribeto such benefits andsuch benefits are madegenerally available toall "employees" whoare eligible under theplan for such benefits;

c Unemployment insurance, social security

benefits, workers’ compensation and disabilitybenefits; and

d Vacation plans, including buy and sell programs; leave of absence programs, including military, maternity, family, and civilleave; tuition assistance plans; transportation and health clubsubsidies

(2) The following definitions aredeleted in their entirety and replaced by the following:

21 "Suit" means a civil proceeding in which moneydamages because of anact, error or omission towhich this insurance appliesare alleged "Suit" includes:

a An arbitration proceeding in which suchdamages are claimedand to which the insured must submit ordoes submit with ourconsent;

b Any other alternativedispute resolution proceeding in which suchdamages are claimedand to which the insured submits with ourconsent; or

c An appeal of a civilproceeding

8 "Employee" means a person actively employed, formerly employed, on leaveof absence or disabled, orretired "Employee" includes a "leased worker""Employee" does not include a "temporary worker"

2 Unintentional Failure to Disclose Hazards

SECTION IV COMMERCIAL GENERALLIABILITY CONDITIONS, 7 Representations is hereby amended by the addition of the following:

Based on our dependence upon yourrepresentations as to existing hazards, ifunintentionally you should fail to discloseall such hazards at the inception date ofyour policy, we will not reject coverageunder this Coverage Part based solely onsuch failure

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3 Damage to Premises Rented to You

a The last Subparagraph of Paragraph2 SECTION I COVERAGES,COVERAGE A BODILY INJURYAND PROPERTY DAMAGE, 2 LIABILITY Exclusions is hereby deleted and replaced by the following:

Exclusions c through q do not applyto damage by fire, explosion, lightning, smoke or soot to premiseswhile rented to you or temporarilyoccupied by you with permission ofthe owner

b The insurance provided under SECTION I COVERAGES, COVERAGEA BODILY INJURY AND PROPERTY DAMAGE LIABILITY appliesto "property damage" arising out ofwater damage to premises that areboth rented to and occupied by you

(1) As respects Water Damage Legal Liability, as provided inParagraph 3 b above:

The exclusions under SECTIONI COVERAGES, COVERAGEA BODILY INJURY ANDPROPERTY DAMAGE LIABILITY, 2 Exclusions, other than iWar and the Nuclear EnergyLiability Exclusion, are deletedand the following are added:

This insurance does not applyto:

(a) "Property damage":

1) Assumed in any contract; or

2) Loss caused by or resulting from any of thefollowing:

a) Wear and tear;

b) Rust, corrosion,fungus, decay,deterioration, hidden or latent defect or any qualityin property thatcauses it to damage or destroy itself;

c) Smog;

d) Mechanicalbreakdown including rupture orbursting causedby centrifugalforce;

e) Settling, cracking,shrinking or expansion; or

f) Nesting or infestation, or dischargeor release ofwaste products orsecretions, by insects, birds, rodents or otheranimals

(b) Loss caused directly or indirectly by any of the following:

1) Earthquake, volcaniceruption, landslide orany other earth movement;

2) Water that backs up oroverflows from asewer, drain or sump;

3) Water under theground surface pressing on, or flowing orseeping through:

a) Foundations,walls, floors orpaved surfaces;

b) Basements,whether paved ornot; or

c) Doors, windows orother openings

(c) Loss caused by or resultingfrom water that leaks orflows from plumbing, heating, air conditioning, or fireprotection systems causedby or resulting from freezing, unless:

1) You did your best tomaintain heat in thebuilding or structure; or

2) You drained theequipment and shut offthe water supply if theheat was not maintained

(d) Loss to or damage to:

1) Plumbing, heating, airconditioning, fire protection systems, orother equipment or appliances; or

2) The interior of anybuilding or structure, orto personal property inthe building or structure

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caused by or resultingfrom rain, snow, sleetor ice, whether drivenby wind or not

c Limit of Insurance

The Damage to Premises Rented toYou Limit as shown in the Declarations is amended as follows:

(2) Paragraph 6 of SECTION IIILIMITS OF INSURANCE ishereby deleted and replaced bythe following:

6 Subject to 5 above, theDamage to PremisesRented to You Limit is themost we will pay underCOVERAGE A BODILYINJURY AND PROPERTYDAMAGE LIABILITY, fordamages because of"property damage" topremises while rented toyou or temporarily occupiedby you with permission ofthe owner, arising out ofany one "occurrence" towhich this insurance applies

(3) The amount we will pay is limited as described in Section BLimits of Insurance, 3 Damage to Premises Rented toYou of this endorsement

4 Supplementary Payments

Under SECTION I COVERAGE, SUPPLEMENTARY PAYMENTS COVERAGES A AND B:

a Paragraph 2 is replaced by the following:

Up to the limit shown in Section BLimits of Insurance, 4 a Bail Bondsof this endorsement for cost of bailbonds required because of accidentsor traffic law violations arising out ofthe use of any vehicle to which theBodily Injury Liability Coverage applies We do not have to furnishthese bonds

b Paragraph 4 is replaced by the following:

All reasonable expenses incurred bythe insured at our request to assistus in the investigation or defense ofthe claim or "suit", including actualloss of earnings up to the limit shownin Section B Limits of Insurance,4 b Loss of Earnings of this endorsement per day because of timeoff from work

5 Medical Payments

The Medical Expense Limit of Any OnePerson as stated in the Declarations isamended to the limit shown in Section BLimits of Insurance, 5 Medical Payments of this endorsement

6 Voluntary Property Damage and Care,Custody or Control Liability Coverage

a Voluntary Property Damage Coverage

We will pay for "property damage" toproperty of others arising out of operations incidental to the insured’sbusiness when:

(1) Damage is caused by the insured; or

(2) Damage occurs while in the insured’s possession

With your consent, we will makethese payments regardless of fault

b Care, Custody or Control LiabilityCoverage

SECTION I COVERAGES, COVERAGE A BODILY INJURY ANDPROPERTY DAMAGE LIABILITY, 2Exclusions, j Damage to Property,Subparagraphs (3), (4) and (5) donot apply to "property damage" tothe property of others describedtherein

With respect to the insurance provided bythis section of the endorsement, the following additional provisions apply:

a The Limits of Insurance shown in theDeclarations are replaced by the limits designated in Section B Limits ofInsurance, 6 Voluntary PropertyDamage and Care, Custody orControl Liability Coverage of thisendorsement with respect to coverage provided by this endorsementThese limits are inclusive of and notin addition to the limits being replaced The Limits of Insuranceshown in Section B Limits of Insurance, 6 Voluntary Property Damage and Care, Custody or ControlLiability Coverage of this endorsement fix the most we will pay in anyone "occurrence" regardless of thenumber of:

(1) Insureds;

(2) Claims made or "suits" brought;or

(3) Persons or organizations making claims or bringing "suits"

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b Deductible Clause

(1) Our obligation to pay damageson your behalf applies only tothe amount of damages for each"occurrence" which are in excess of the deductible amountstated in Section B Limits ofInsurance, 6 Voluntary Property Damage and Care, Custody or Control Liability Coverage of this endorsement Thelimits of insurance will not be reduced by the application of suchdeductible amount

(2) Condition 2 Duties in the Eventof Occurrence, Offense, Claimor Suit, applies to each claim or"suit" irrespective of the amount

(3) We may pay any part or all ofthe deductible amount to effectsettlement of any claim or "suit"and, upon notification of the action taken, you shall promptlyreimburse us for such part of thedeductible amount as has beenpaid by us

7 180 Day Coverage for Newly Formed orAcquired Organizations

SECTION II WHO IS AN INSURED isamended as follows:

Subparagraph a of Paragraph 4 ishereby deleted and replaced by the following:

a Insurance under this provision is afforded only until the 180th day afteryou acquire or form the organizationor the end of the policy period,whichever is earlier;

8 Waiver of Subrogation

SECTION IV COMMERCIAL GENERALLIABILITY CONDITIONS, 9 Transfer ofRights of Recovery Against Others toUs is hereby amended by the addition ofthe following:

We waive any right of recovery we mayhave because of payments we make forinjury or damage arising out of your ongoing operations or "your work" done under a written contract requiring suchwaiver with that person or organizationand included in the "products completedoperations hazard" However, our rightsmay only be waived prior to the "occurrence" giving rise to the injury or damagefor which we make payment under thisCoverage Part The insured must donothing after a loss to impair our rightsAt our request, the insured will bring "suit"or transfer those rights to us and help usenforce those rights

9 Automatic Additional Insured Specified Relationships

a The following is hereby added toSECTION II WHO IS AN INSURED:

(1) Any person or organization described in Paragraph 9 a (2)below (hereinafter referred to asadditional insured) whom youare required to add as an additional insured under this Coverage Part by reason of:

(a) A written contract oragreement; or

(b) An oral agreement or contract where a certificate ofinsurance showing that person or organization as anadditional insured has beenissued,

is an insured, provided:

(a) The written or oral contractor agreement is:

1) Currently in effect orbecomes effectiveduring the policy period; and

2) Executed prior to an"occurrence" or offenseto which this insurancewould apply; and

(b) They are not specificallynamed as an additional insured under any other provision of, or endorsementadded to, this CoveragePart

(2) Only the following persons ororganizations are additional insureds under this endorsement,and insurance coverage provided to such additional insureds is limited as providedherein:

(a) The manager or lessor of apremises leased to you withwhom you have agreed perParagraph 9 a (1) above toprovide insurance, but onlywith respect to liability arising out of the ownership,maintenance or use of thatpart of a premises leased toyou, subject to the followingadditional exclusions:

This insurance does notapply to:

1) Any "occurrence"which takes place after

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you cease to be a tenant in that premises

2) Structural alterations,new construction ordemolition operationsperformed by or on behalf of such additionalinsured

(b) Any person or organizationfrom which you leaseequipment with whom youhave agreed per Paragraph9 a (1) above to provide insurance Such person(s) ororganization(s) are insuredssolely with respect to theirliability arising out of themaintenance, operation oruse by you of equipmentleased to you by such person(s) or organizations(s)However, this insurancedoes not apply to any "occurrence" which takes placeafter the equipment leaseexpires

(c) Any person or organization(referred to below as vendor) with whom you haveagreed per Paragraph9 a (1) above to provide insurance, but only with respect to "bodily injury" or"property damage" arisingout of "your products" whichare distributed or sold in theregular course of the vendor’s business, subject tothe following additional exclusions:

1) The insurance affordedthe vendor does notapply to:

a) "Bodily injury" or"property damage"for which the vendor is obligated topay damages byreason of the assumption of liability in a contract oragreement Thisexclusion does notapply to liability fordamages that thevendor wouldhave in the absence of the contract or agreement;

b) Any express warranty unauthorizedby you;

c) Any physical orchemical changein the productmade intentionallyby the vendor;

d) Repackaging, unless unpackedsolely for the purpose of inspection,demonstration,testing, or thesubstitution ofparts under instructions from themanufacturer, andthen repackagedin the originalcontainer;

e) Any failure tomake such inspections, adjustments, tests orservicing as thevendor hasagreed to make ornormally undertakes to make inthe usual courseof business, inconnection withthe distribution orsale of the products;

f) Demonstration, installation, servicing or repair operations, exceptsuch operationsperformed at thevendor’s premisesin connection withthe sale of theproduct;

g) Products which,after distribution orsale by you, havebeen labeled orrelabeled or usedas a container,part or ingredientof any other thingor substance by orfor the vendor

2) This insurance doesnot apply to any insured person or organization:

a) From whom youhave acquiredsuch products, orany ingredient,part or container,entering into, ac

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companying orcontaining suchproducts; or

b) When liability included within the"productscompleted operations hazard" hasbeen excludedunder this Coverage Part with respect to suchproducts

(d) Any state or political subdivision with which you haveagreed per Paragraph 9a (1) above to provide insurance, subject to the following additional provision:

This insurance applies onlywith respect to the followinghazards for which the stateor political subdivision hasissued a permit in connection with premises you own,rent or control and to whichthis insurance applies:

1) The existence, maintenance, repair, construction, erection, orremoval of advertisingsigns, awnings, canopies, cellar entrances,coal holes, driveways,manholes, marquees,hoist away openings,sidewalk vaults, streetbanners, or decorations and similar exposures; or

2) The construction, erection, or removal of elevators; or

3) The ownership, maintenance, or use of anyelevators covered bythis insurance

(e) Any state or political subdivision with which you haveagreed per Paragraph9 a (1) above to provide insurance, subject to the following provisions:

1) This insurance appliesonly with respect to operations performed byyou or on your behalffor which the state orpolitical subdivision hasissued a permit

2) This insurance doesnot apply to "bodily injury", "property damage" or "personal andadvertising injury" arising out of operationsperformed for the stateor political subdivision

(f) Any person or organizationwith which you have agreedper Paragraph 9 a (1)above to provide insurance,but only with respect to liability arising out of "yourwork" performed for thatadditional insured by you oron your behalf A person ororganization’s status as aninsured under this provisionof this endorsement continues for only the period oftime required by the writtencontract or agreement, butin no event beyond the expiration date of this Coverage Part If there is nowritten contract or agreement, or if no period of timeis required by the writtencontract or agreement, aperson or organization’sstatus as an insured underthis endorsement endswhen your operations forthat insured are completed

(3) Any insurance provided to anadditional insured designatedunder Paragraph 9 a (2):

(a) Subparagraphs (e) and (f)does not apply to "bodilyinjury" or "property damage"included within the "products completed operationshazard";

(b) Subparagraphs (a), (b), (d),(e) and (f) does not apply to"bodily injury", "propertydamage" or "personal andadvertising injury" arisingout of the sole negligenceor willful misconduct of theadditional insured or theiragents, "employees" or anyother representative of theadditional insured; or

(c) Subparagraph (f) does notapply to "bodily injury","property damage" or "personal and advertising injury"arising out of:

1) Defects in design furnished by or on behalf

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of the additional insured; or

2) The rendering of, orfailure to render, anyprofessional architectural, engineering orsurveying services, including:

a) The preparing,approving or failing to prepare orapprove maps,shop drawings,opinions, reports,surveys, field orders, change orders or drawingsand specifications;and

b) Supervisory, inspection, architectural or engineering activities

3) "Your work" for which aconsolidated (wrap up)insurance program hasbeen provided by theprimecontractor projectmanager or owner ofthe construction projectin which you are involved

b Only with regard to insurance provided to an additional insured designated under Paragraph 9 a (2) Subparagraph (f) above, SECTION IIILIMITS OF INSURANCE is amendedto include:

The limits applicable to the additionalinsured are those specified in thewritten contract or agreement or inthe Declarations of this CoveragePart, whichever are less If no limitsare specified in the written contractor agreement, or if there is no writtencontract or agreement, the limits applicable to the additional insured arethose specified in the Declarations ofthis Coverage Part The limits of insurance are inclusive of and not inaddition to the limits of insuranceshown in the Declarations

c SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS ishereby amended as follows:

(1) Condition 5 Other Insurance isamended to include:

(a) Where required by a writtencontract or agreement, thisinsurance is primary and /or noncontributory as re

spects any other insurancepolicy issued to the additional insured, and suchother insurance policy shallbe excess and / or noncontributing, whichever applies,with this insurance

(b) Any insurance provided bythis endorsement shall beprimary to other insuranceavailable to the additionalinsured except:

1) As otherwise providedin SECTION IVCOMMERCIAL GENERAL LIABILITYCONDITIONS, 5 OtherInsurance, b ExcessInsurance; or

2) For any other valid andcollectible insuranceavailable to the additional insured as anadditional insured byattachment of an endorsement to anotherinsurance policy that iswritten on an excessbasis In such case,the coverage providedunder this endorsement shall also be excess

(2) Condition 11 Conformance toSpecific Written Contract orAgreement is hereby added:

11 Conformance to SpecificWritten Contract orAgreement

With respect to additionalinsureds described in Paragraph 9 a (2)(f) above only:

If a written contract oragreement between youand the additional insuredspecifies that coverage forthe additional insured:

a Be provided by the Insurance Services Office additional insuredform number CG 20 10or CG 20 37 (whereedition specified); or

b Include coverage forcompleted operations;or

c Include coverage for"your work";

and where the limits or coverage provided to the addi

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tional insured is more restrictive than was specifically required in that writtencontract or agreement, theterms of Paragraphs9 a (3)(a), 9 a (3)(b) or 9 babove, or any combinationthereof, shall be interpretedas providing the limits orcoverage required by theterms of the written contractor agreement, but only tothe extent that such limits orcoverage is included withinthe terms of the CoveragePart to which this endorsement is attached If, however, the written contract oragreement specifies the Insurance Services Officeadditional insured formnumber CG 20 10 but doesnot specify which edition, orspecifies an edition thatdoes not exist, Paragraphs9 a (3)(a) and 9 a (3)(b) ofthis endorsement shall notapply and Paragraph 9 b ofthis endorsement shall apply

10 Broadened Contractual Liability WorkWithin 50’ of Railroad Property

It is hereby agreed that Paragraph f (1) ofDefinition 12 "Insured contract" (SECTION V DEFINITIONS) is deleted

11 Property Damage to Borrowed Equipment

a The following is hereby added to Exclusion j Damage to Property ofParagraph 2 , Exclusions of SECTION I COVERAGES, COVERAGEA BODILY INJURY AND PROPERTY DAMAGE LIABILITY:

Paragraphs (3) and (4) of this exclusion do not apply to tools or equipment loaned to you, provided theyare not being used to perform operations at the time of loss

b With respect to the insurance provided by this section of the endorsement, the following additionalprovisions apply:

(1) The Limits of insurance shownin the Declarations are replacedby the limits designated in Section B Limits of Insurance, 11of this endorsement with respectto coverage provided by thisendorsement These limits areinclusive of and not in addition tothe limits being replaced TheLimits of Insurance shown inSection B Limits of Insurance,

11 of this endorsement fix themost we will pay in any one "occurrence" regardless of thenumber of:

(a) Insureds;

(b) Claims made or "suits"brought; or

(c) Persons or organizationsmaking claims or bring"suits"

(2) Deductible Clause

(a) Our obligation to pay damages on your behalf appliesonly to the amount of damages for each "occurrence"which are in excess of theDeductible amount stated inSection B Limits of Insurance, 11 of this endorsement The limits of insurance will not be reduced bythe application of such Deductible amount

(b) Condition 2 Duties in theEvent of Occurrence, Offense, Claim or Suit, applies to each claim or "suit"irrespective of the amount

(c) We may pay any part or allof the deductible amount toeffect settlement of anyclaim or "suit" and, uponnotification of the actiontaken, you shall promptlyreimburse us for such partof the deductible amount ashas been paid by us

12 Employees as Insureds SpecifiedHealth Care Services

It is hereby agreed that Paragraph2 a (1)(d) of SECTION II WHO IS ANINSURED, does not apply to your "employees" who provide professional healthcare services on your behalf as duly licensed:

a Nurses;

b Emergency Medical Technicians; or

c Paramedics,

in the jurisdiction where an "occurrence"or offense to which this insurance appliestakes place

13 Broadened Notice of Occurrence

Paragraph a of Condition 2 Duties inthe Event of Occurrence, Offense,Claim or Suit (SECTION IV COMMERCIAL GENERAL LIABILITY CONDI

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TIONS) is hereby deleted and replacedby the following:

a You must see to it that we are notified as soon as practicable of an"occurrence" or an offense whichmay result in a claim To the extentpossible, notice should include:

(1) How, when and where the "occurrence" or offense took place;

(2) The names and addresses ofany injured persons and witnesses; and

(3) The nature and location of anyinjury or damage arising out ofthe "occurrence" or offense

This requirement applies only whenthe "occurrence" or offense is knownto an "authorized representative"

ZURICH ADDITIONAL

INSURED FORMS

Additional Insured – Scheduled - Owners, Lessees or Contractors - Broad Form

U-GL-1177-A CW (9/03) Page 1 of 2

Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer Add’l. Prem Return Prem.

$ $

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

This endorsement modifies insurance provided under the:

Commercial General Liability Coverage Part

SCHEDULE

Name of Person or Organization (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as appli-cable to this endorsement.) A. WHO IS AN INSURED (Section II) is amended to include as an insured the person or organization shown in the

SCHEDULE above whom you are required to add as an additional insured on this policy under a written contract or written agreement.

B. The insurance provided to the additional insured applies only to “bodily injury”, “property damage” or "personal and adver-

tising injury" covered under Section I, Coverage A, BODILY INJURY AND PROPERTY DAMAGE LIABILITY and Coverage B, PERSONAL AND ADVERTISING INJURY LIABILITY, but only if:

1. The “bodily injury” or “property damage” results from your negligence; and 2. The “bodily injury”, “property damage” or "personal and advertising injury" results directly from:

a. Your ongoing operations; or b. “Your work” completed as included in the "products-completed operations hazard",

performed for the additional insured, which is the subject of the written contract or written agreement.

C. However, regardless of the provisions of paragraphs A. and B. above:

1. We will not extend any insurance coverage to the additional insured person or organization:

a. That is not provided to you in this policy; or b. That is any broader coverage than you are required to provide to the additional insured person or organization in the

written contract or written agreement; and

2. We will not provide Limits of Insurance to the additional insured person or organization that exceed the lower of:

U-GL-1177-A CW (9/03) Page 2 of 2

a. The Limits of Insurance provided to you in this policy; or

b. The Limits of Insurance you are required to provide in the written contract or written agreement.

D. The insurance provided to the additional insured does not apply to:

1. “Bodily injury”, “property damage” or "personal and advertising injury" that results solely from negligence of the additional insured; or

2. “Bodily injury”, “property damage” or "personal and advertising injury" arising out of the rendering or failure to render any professional architectural, engineering or surveying services including:

a. The preparing, approving, or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; and

b. Supervisory, inspection, architectural or engineering activities.

E. The additional insured must see to it that:

1. We are notified as soon as practicable of an “occurrence” or offense that may result in a claim:

2. We receive written notice of a claim or “suit” as soon as practicable; and

3. A request for defense and indemnity of the claim or “suit” will promptly be brought against any policy issued by an-other insurer under which the additional insured also has rights as an insured or additional insured.

F. The insurance provided by this endorsement is primary insurance and we will not seek contribution from any other in-surance available to the person or organization shown in the Schedule unless the other insurance is provided by a con-tractor other than you for the same operations and job location. Then we will share with that other insurance by the method described in paragraph 4.c. of SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS.

Any provisions in this Coverage Part not changed by the terms and conditions of this endorsement continue to apply as writ-ten.

Additional Insured – Automatic - Owners, Lessees Or Contractors - Broad Form

U-GL-1175-A CW (9/03) Page 1 of 2

Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer Add’l. Prem Return Prem.

$ $

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

This endorsement modifies insurance provided under the:

Commercial General Liability Coverage Part

A. WHO IS AN INSURED (Section II) is amended to include as an insured any person or organization whom you are required to add as an additional insured on this policy under a written contract or written agreement.

B. The insurance provided to additional insureds applies only to “bodily injury”, “property damage” or "personal and advertis-ing injury" covered under Section I, Coverage A, BODILY INJURY AND PROPERTY DAMAGE LIABILITY and Coverage B, PERSONAL AND ADVERTISING INJURY LIABILITY, but only if:

1. The “bodily injury” or “property damage” results from your negligence; and 2. The “bodily injury”, “property damage” or "personal and advertising injury" results directly from:

a. Your ongoing operations; or b. “Your work” completed as included in the "products-completed operations hazard",

performed for the additional insured, which is the subject of the written contract or written agreement.

C. However, regardless of the provisions of paragraphs A. and B. above:

1. We will not extend any insurance coverage to any additional insured person or organization:

a. That is not provided to you in this policy; or b. That is any broader coverage than you are required to provide to the additional insured person or organization in the

written contract or written agreement; and

2. We will not provide Limits of Insurance to any additional insured person or organization that exceed the lower of:

a. The Limits of Insurance provided to you in this policy; or

b. The Limits of Insurance you are required to provide in the written contract or written agreement.

D. The insurance provided to the additional insured person or organization does not apply to:

1. “Bodily injury”, “property damage” or "personal and advertising injury" that results solely from negligence of the addi-tional insured; or

U-GL-1175-A CW (9/03) Page 2 of 2

2. “Bodily injury”, “property damage” or "personal and advertising injury" arising out of the rendering or failure to render any professional architectural, engineering or surveying services including:

a. The preparing, approving, or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; and

b. Supervisory, inspection, architectural or engineering activities.

E. The additional insured must see to it that:

1. We are notified as soon as practicable of an “occurrence” or offense that may result in a claim:

2. We receive written notice of a claim or “suit” as soon as practicable; and

3. A request for defense and indemnity of the claim or “suit” will promptly be brought against any policy issued by an-other insurer under which the additional insured also has rights as an insured or additional insured.

F. The insurance provided by this endorsement is primary insurance and we will not seek contribution from any other in-surance available to any additional insured person or organization unless the other insurance is provided by a contractor other than you for the same operations and job location. Then we will share with that other insurance by the method de-scribed in paragraph 4.c. of SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS.

Any provisions in this Coverage Part not changed by the terms and conditions of this endorsement continue to apply as writ-ten.

Additional Insured – Automatic – Owners, Lessees Or Contractors

Includes copyrighted material of Insurance Services Office, Inc., with its permission. U-GL-1175-B CW (3/2007) Page 1 of 2

Policy No. Exp. Date of Pol. Eff. Date of End. Agency No. Addl. Prem. Return Prem.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Named Insured: Address (including ZIP Code): This endorsement modifies insurance provided under the: Commercial General Liability Coverage Part

A. Section II – Who Is An Insured is amended to include as an insured any person or organization who you are re-quired to add as an additional insured on this policy under a written contract or written agreement.

B. The insurance provided to the additional insured person or organization applies only to "bodily injury", "property damage" or "personal and advertising injury" covered under SECTION I - Coverage A - Bodily Injury And Property Damage Liability and Section I - Coverage B - Personal And Advertising Injury Liability, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by:

1. Your acts or omissions; or

2. The acts or omissions of those acting on your behalf; and resulting directly from:

a. Your ongoing operations performed for the additional insured, which is the subject of the written contract or written agreement; or

b. "Your work" completed as included in the "products-completed operations hazard", performed for the ad-ditional insured, which is the subject of the written contract or written agreement.

C. However, regardless of the provisions of paragraphs A. and B. above:

1. We will not extend any insurance coverage to any additional insured person or organization:

a. That is not provided to you in this policy; or

b. That is any broader coverage than you are required to provide to the additional insured person or organiza-tion in the written contract or written agreement; and

2. We will not provide Limits of Insurance to any additional insured person or organization that exceed the lower of:

a. The Limits of Insurance provided to you in this policy; or

b. The Limits of Insurance you are required to provide in the written contract or written agreement.

Includes copyrighted material of Insurance Services Office, Inc., with its permission. U-GL-1175 B CW (3/2007) Page 2 of 2

D. The insurance provided to the additional insured person or organization does not apply to:

"Bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering or failure to render any professional architectural, engineering or surveying services including:

1. The preparing, approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; and

2. Supervisory, inspection, architectural or engineering activities.

E. The additional insured must see to it that:

1. We are notified as soon as practicable of an "occurrence" or offense that may result in a claim;

2. We receive written notice of a claim or "suit" as soon as practicable; and

3. A request for defense and indemnity of the claim or "suit" will promptly be brought against any policy issued by another insurer under which the additional insured may be an insured in any capacity. This provision does not apply to insurance on which the additional insured is a Named Insured, if the written contract or written agreement requires that this coverage be primary and non-contributory.

F. For the coverage provided by this endorsement:

1. The following paragraph is added to Paragraph 4.a. of the Other Insurance Condition of Section IV – Com-mercial General Liability Conditions:

This insurance is primary insurance as respects our coverage to the additional insured person or organization, where the written contract or written agreement requires that this insurance be primary and non-contributory. In that event, we will not seek contribution from any other insurance policy available to the additional insured on which the additional insured person or organization is a Named Insured.

2. The following paragraph is added to Paragraph 4.b. of the Other Insurance Condition of Section IV – Com-mercial General Liability Conditions:

This insurance is excess over:

Any of the other insurance, whether primary, excess, contingent or on any other basis, available to an additional insured, in which the additional insured on our policy is also covered as an additional insured by attachment of an endorsement to another policy providing coverage for the same "occurrence", claim or "suit". This provision does not apply to any policy in which the additional insured is a Named Insured on such other policy and where our policy is required by written contract or written agreement to provide coverage to the additional insured on a primary and non-contributory basis.

G. This endorsement does not apply to an additional insured which has been added to this policy by an endorsement showing the additional insured in a Schedule of additional insureds, and which endorsement applies specifically to that identified additional insured.

Any provisions in this Coverage Part not changed by the terms and conditions of this endorsement continue to apply as written.

OHIO CASUALTY

ADDITIONAL INSURED FORMS

COMMERCIAL GENERAL LIABILITY CG 84 16 12 03

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

GENERAL LIABILITY MASTER PAK PLUS� FOR CONSTRUCTION

This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART

INDEX SUBJECT PAGE BLANKET ADDITIONAL INSURED (OWNERS, LESSEES, CONTRACTORS OR LESSORS) 2 FIRE, LIGHTNING, EXPLOSION AND SPRINKLER LEAKAGE DAMAGE TO PREMISES YOU RENT 3 NON-OWNED WATERCRAFT 4 SUPPLEMENTARY PAYMENTS (BAIL BONDS) 4 PERSONAL AND ADVERTISING INJURY - ELECTRONIC PUBLICATION EXTENSION 5 AGGREGATE LIMITS (PER LOCATION) 5 AGGREGATE LIMITS (PER PROJECT) 5 VOLUNTARY PROPERTY DAMAGE COVERAGE 6 OFF PREMISES CARE, CUSTODY OR CONTROL COVERAGE 6 NEWLY FORMED OR ACQUIRED ORGANIZATIONS 7 DUTIES IN THE EVENT OF OCCURRENCE, OFFENSE, CLAIM OR SUIT 7 BODILY INJURY (MENTAL ANGUISH) 8 WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS 8 MEDICAL PAYMENTS 8 BROAD NAMED INSURED 8 BROADENED MOBILE EQUIPMENT 8 INCIDENTAL MALPRACTICE LIABILITY 8 NON-OWNED AIRCRAFT 9 PROPERTY DAMAGE - ELEVATORS 9

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1. BLANKET ADDITIONAL INSURED (Owners, Lessees, Contractors or Lessors) (Includes a Primary/Non-Contributory provision)

Who Is An Insured - Section II is amended to include as an insured any person or organization whom you are required to name as an additional insured on this policy in a written contract or written agreement. The written contract or written agreement must be currently in effect or becoming effective during the term of this policy and executed prior to the "bodily injury," "property damage" or "personal and advertising injury."

The insurance provided the additional insured is limited as follows:

A. The person or organization is only an additional insured with respect to liability:

1. Arising out of real property, as described in a written contract or written agreement, that you own, rent,

lease or occupy; or 2. Caused in whole or in part by your ongoing operations performed for that insured.

The insurance provided the additional insured in 1.A.2. above does not apply to:

a. Coverage A - Bodily Injury and Property Damage Liability, Coverage B - Personal and

Advertising Injury Liability or defense coverage under the Supplementary Payments arising out of an architect's, engineer's or surveyor's rendering of or failure to render any professional services including:

(1) The preparing, approving, or failing to prepare or approve maps, shop drawings,

opinions, reports, surveys, field orders, change orders or drawings and specifications; and

(2) Supervisory, inspection, architectural or engineering activities.

b. "Bodily injury" or "property damage" occurring after:

(1) All work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) were performed by or on behalf of the additional insured(s) at the site where the covered operations have been completed; or

(2) That portion of "your work" out of which the injury or damage arises has been put to its

intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as part of the same project.

B. The limits of insurance applicable to the additional insured are those specified in a written contract or written

agreement or the limits of Insurance as stated in the Declarations of this policy and defined in Section III - Limits Of Insurance of this policy, whichever are less. These limits are inclusive of and not in addition to the limits of insurance available under this policy.

C. The insurance provided the additional insured does not apply to the liability resulting from the sole negligence of

the additional insured.

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D. As respects the coverage provided to the additional insured under this endorsement, Section IV- Conditions is amended as follows:

1. The following is added to Condition 2. Duties In The Event Of Occurrence, Offense, Claim, or Suit:

An additional insured under this endorsement will as soon as practicable:

a. Give written notice of an "occurrence" or an offense, that may result in a claim or “suit”

under this insurance to us; b. Tender the defense and indemnity of any claim or “suit” to all insurers whom also have

insurance available to the additional insured; and c. Agree to make available any other insurance which the additional insured has for a loss

we cover under this Coverage Part.

2. The following is added to Condition 3. Legal Action Against Us:

We have no duty to defend or indemnify an additional insured under this endorsement until we receive written notice of a claim or “suit” from the additional insured.

3. The following is added to Paragraph a., Primary Insurance of Condition 4. Other Insurance:

If the additional insured's policy has an Other Insurance provision making its policy excess, and a Named Insured has agreed in a written contract or written agreement to provide the additional insured coverage on a primary and noncontributory basis, this policy shall be primary and we will not seek contribution from the additional insured's policy for damages we cover.

4. The following is added to Paragraph b., Excess Insurance of Condition 4. Other Insurance:

Except as provided in Paragraph 4.a. Primary Insurance as amended above, any coverage provided hereunder shall be excess over any other valid and collectible insurance available to the additional insured whether primary, excess, contingent or on any other basis. In the event an additional insured has other coverage available for an "occurrence" by virtue of also being an additional insured on other policies, this insurance is excess over those other policies.

2. FIRE, LIGHTNING, EXPLOSION AND SPRINKLER LEAKAGE DAMAGE TO PREMISES YOU RENT

If Damage To Premises Rented To You under Coverage A is not otherwise excluded from this policy, the following applies:

A. The last paragraph of 2. Exclusions of Section I - Coverage A is replaced by the following:

If Damage To Premises Rented To You is not otherwise excluded, Exclusions c. through n. do not apply to damage by fire, lightning, "explosion" or sprinkler leakage to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section III - Limits Of Insurance.

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B. Paragraph 6. of Section III - Limits Of Insurance is replaced by the following:

6. Subject to 5. above, the higher of $300,000 or the Damage To Premises Rented To You Limit shown in the Summary of Limits and Charges section of this policy is the most we will pay under Coverage A for damages because of "property damage" to premises rented to you or temporarily occupied by you with the permission of the owner arising out of any one fire, lightning, "explosion" or sprinkler leakage incident.

C. Paragraph b.(1)(b) of Condition 4. Other Insurance (Section IV – Conditions) is replaced by the

following:

(1) That is Fire, Lightning, Explosion or Sprinkler Leakage insurance for premises rented to you or temporarily occupied by you with the permission of the owner;

D. Paragraph 9.a. of the definition of "insured contract" in Section V- Definitions is replaced by the

following:

9. "Insured contract" means:

a. A contract for the lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damages by fire, lightning, "explosion" or sprinkler leakage to premises while rented to you or temporarily occupied by you with the permission of the owner is not an "insured contract";

E. The following definition is added to Section V - Definitions:

"Explosion" means a sudden release of expanding pressure accompanied by a noise, a bursting forth of material and evidence of the scattering of debris to locations further than would have resulted by gravity alone.

"Explosion" does not include any of the following:

1. Artificially generated electrical current including electrical arcing that disturbs electrical

devices, appliances or wires;

2. Rupture or bursting of water pipes;

3. Explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased by you, or operated under your control; or

4. Rupture or bursting caused by centrifugal force.

3. NON-OWNED WATERCRAFT

Subparagraph g.(2) of Paragraph 2., Exclusions of Section I - Coverage A is replaced by the following:

(2) A watercraft you do not own that is:

(a) Less than 51 feet long; and (b) Not being used to carry persons or property for a charge;

4. SUPPLEMENTARY PAYMENTS

In the Supplementary Payments - Coverages A and B provision:

The limit for the cost of bail bonds in Paragraph 1.b. is changed from $250 to $1000.

Includes copyrighted material of ISO Properties, Inc., with its permission. CG 84 16 12 03 ISO Properties, Inc., 2003 Page 4 of 9

5. PERSONAL AND ADVERTISING INJURY - ELECTRONIC PUBLICATION EXTENSION

Paragraphs 14.b., d. and e. of Section V - Definitions are replaced by the following:

b. Malicious prosecution or abuse of process; d. Oral, written, televised, videotaped or electronic publication of material that slanders or libels a person or

organization or disparages a person's or organization's goods, products or services; e. Oral, written, televised, videotaped or electronic publication of material that violates a person's right of

privacy;

The following is added to Paragraph 14. "Personal and Advertising Injury" of Section V - Definitions:

h. Discrimination or humiliation that results in injury to the feelings or reputation of a natural person, but only if such discrimination or humiliation is:

(1) Not done intentionally by or at the direction of:

(a) An insured; or (b) Any "executive officer" director, stockholder, partner or member of the insured; and

(2) Not directly or indirectly related to the employment, prospective employment or termination of

employment of any person or persons by any insured.

Subparagraphs b. and c. of 2., Exclusions of Section I - Coverage B - Personal And Advertising Injury Liability are replaced by the following:

b. Material Published With Knowledge Of Falsity

"Personal and advertising injury" arising out of oral, written, televised, videotaped or electronic publication of material, if done by or at the direction of the insured with knowledge of its falsity;

c. Material Published Prior To Policy Period

"Personal and advertising injury" arising out of oral, written, televised, videotaped or electronic publication of material whose first publication took place before the beginning of the policy period;

6. AGGREGATE LIMITS OF INSURANCE (PER LOCATION)

The General Aggregate Limit under Section III Limits Of Insurance applies separately to each of your "locations" owned by or rented to you or temporarily occupied by you with the permission of the owner.

"Location" means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad.

7. AGGREGATE LIMITS OF INSURANCE (PER PROJECT)

The General Aggregate Limit under Section III Limits Of Insurance applies separately to each of your projects away from premises owned by or rented to you.

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8. VOLUNTARY PROPERTY DAMAGE COVERAGE

At your request, we will pay for "loss" to property of others caused by your business operations. The most we will pay for this coverage is $500 each "occurrence." The "loss" must occur during the policy period. The "occurrence" must take place in the "coverage territory".

"Loss" means unintended damage or destruction. "Loss" does not mean disappearance, abstraction or theft.

This coverage does not apply to:

1. Damage arising out of the use of any "auto"; 2. Property you own, occupy, rent or lease from others; or 3. Property on your premises for sale, service, repair or storage.

None of the other policy exclusions apply to this coverage.

If the policy to which this endorsement is attached is written with a property damage liability deductible, the deductible shall apply to Voluntary Property Damage. The limit of coverage stated above shall not be reduced by the amount of this deductible.

9. OFF PREMISES CARE, CUSTODY OR CONTROL COVERAGE

A. We will pay those sums that you become legally obligated to pay as damages because of "property damage" to personal property of others while in your or your "employees" care, custody or control or real property of others over which you or your "employees" are exercising physical control if the "property damage" arises out of your business operations. This Coverage is subject to sections B., C., D. and E. below.

B. Exclusions

This insurance shall not apply to:

1. "Property damage" of property at premises owned, rented, leased, operated or used by you; 2. "Property damage" of property while in transit; 3. The cost of repairing or replacing:

(a) Any of your work defectively or incorrectly done by you or by others on your behalf; or (b) Any product manufactured, sold or supplied by you, unless the "property damage" is caused

directly by you after delivery of the product or completion of the work and resulting from a subsequent undertaking; or

4. "Property damage" of property caused by or arising out of the "products-completed operations hazard".

C. Limits Of Insurance - The most we will pay for "property damage" under this Section 9. is $25,000 for each "occurrence". The most we will pay for the sum of all damages covered under this Section 9. because of "property damage" is an annual aggregate limit of $25,000.

The Limits Of Insurance provided under this Section 9. are inclusive of and not in addition to any other limits provided in the policy or endorsements attached to it.

D. Deductible - We will not pay for "property damage" in any one "occurrence" until the amount of "property

damage" exceeds $250. If the policy to which this endorsement is attached contains a "property damage" deductible, that deductible shall apply if it is greater than $250.

E. In the event of "property damage" covered by this endorsement, you shall, if requested by us, replace the

property or furnish the labor and materials necessary for repairs thereto at your actual cost, excluding profit or overhead charges.

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10. NEWLY FORMED OR ACQUIRED ORGANIZATIONS

A. Paragraph 4. of Section II - Who Is An Insured is deleted and replaced by the following:

4. Any business entity acquired by you or incorporated or organized by you under the laws of any individual state of the United States of America over which you maintain majority ownership interest exceeding fifty percent. Such acquired or newly formed organization will qualify as a Named Insured if there is no similar insurance available to that entity. However:

a. Coverage under this provision applies only until the expiration of the policy period in which the

entity was acquired or incorporated or organized by you. b. Coverage A does not apply to “bodily injury” or “property damage” that occurred before the entity

was acquired or incorporated or organized by you. c. Coverage B does not apply to “personal and advertising injury” arising out of an offense

committed before the entity was acquired or incorporated or organized by you. d. Records and descriptions of operations must be maintained by the first Named Insured.

B. This Section 10. does not apply to newly formed or acquired organizations if coverage is excluded either by

provisions of the Coverage Part or by other endorsement(s) attached to it. 11. DUTIES IN THE EVENT OF OCCURRENCE, OFFENSE, CLAIM OR SUIT

A. The requirements in Section IV - Conditions, Paragraph 2.a., that you must see to it that we are notified of an "occurrence" applies only when the "occurrence" is known to:

1. You, if you are an individual; 2. A partner, if you are a partnership; 3. A member or manager, if you are a limited liability company; 4. An executive officer or designee, if you are a corporation; 5. A trustee, if you are a trust; or 6. A designee, if you are any other type of organization.

B. The requirements in Section IV - Conditions Paragraph 2.b. that you must see to it that we receive written

notice of a claim or "suit" will not be considered breached unless the breach occurs after such claim or "suit" is known to:

1. You, if you are an individual; 2. A partner, if you are a partnership; 3. A member or manager if you are a limited liability company; 4. An executive officer or designee, if you are a corporation; 5. A trustee, if you are a trust; or 6. A designee, if you are any other type of organization.

Knowledge of an "occurrence," claim or "suit" by the agent, servant or "employee" of any insured shall not in itself constitute knowledge of the insured unless an officer or designee shall have received notice from its agent, servant or "employee".

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12. BODILY INJURY

Paragraph 3. of the definition of "bodily injury" in the Section V - Definitions is replaced by the following:

3. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including mental anguish or death resulting from any of these at any time.

13. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS

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 any person or organization for whom you perform work under a written contract that requires you to obtain this agreement from us.

This agreement shall not operate directly or indirectly to benefit anyone not named in the agreement.

14. MEDICAL PAYMENTS

If Coverage C Medical Payments is not otherwise excluded, the Medical Expense Limit provided by this policy shall be the greater of:

A. $10,000; or B. The amount shown in the Declarations.

15. BROAD NAMED INSURED

Paragraph 2.a.(1)(d) of Section II - Who Is An Insured is replaced by the following:

(d) Arising out of his or her providing or failing to provide professional health care services. However, this exclusion does not apply to nurses, emergency medical technicians or paramedics who are employed by you to provide medical or paramedical services to your employees.

16. BROADENED MOBILE EQUIPMENT

Paragraph 12.f.(1) of Section V - Definitions is replaced by the following:

(1) Equipment designed primarily for:

(a) Snow removal; (b) Road maintenance, but not construction or resurfacing; or (c) Street cleaning provided that vehicles have a Gross Vehicle Weight of 1,000 pounds or greater;

17. INCIDENTAL MALPRACTICE LIABILITY

Paragraph 3. of Section V - Definitions is replaced by the following:

3. "Bodily injury" means bodily injury, sickness, disease or "incidental medical malpractice" sustained by a person, including mental anguish or death resulting from any of these at any time.

The following is added to Section V - Definitions:

23. "Incidental medical malpractice" means injury arising out of the negligent rendering or failure to render

medical or paramedical services to persons by any physician, dentist, nurse, emergency medical technician or paramedic who is employed by you to provide such services to your employees, provided you are not engaged in the business or occupation of providing any services referred to in this definition.

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18. NON-OWNED AIRCRAFT

The following is added to Subparagraph g. of 2., Exclusions of Section I - Coverage A Bodily Injury And Property Damage Liability:

(6) An aircraft with a paid crew, that is hired, chartered or loaned but is not owned by any insured.

19. PROPERTY DAMAGE - ELEVATORS

The following is added to Subparagraph j. of 2., Exclusions of Section I - Coverage A Bodily Injury And Property Damage Liability:

Paragraphs (3) and (4) of this exclusion do not apply to damages that result from the use of elevators.

All other terms and conditions of your policy remain unchanged.

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COMMERCIAL GENERAL LIABILITY CG 85 84 06 05

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED CONTRACTORS

PRODUCTS – COMPLETED OPERATIONS This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

Schedule

Name of Additional Insured Person(s) or Organization(s): Location And Description of Completed Operations: Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II - Who Is An Insured is amended to include as an additional insured the person(s) or

organization(s) shown in the Schedule whom you have agreed to add as an additional insured in a written contract or written agreement for damages caused by "your work" at the location designated and described in the schedule of this endorsement performed for that additional insured and included in the "products-completed operation hazard.

B. The following additional provisions apply to the additional insured:

1. When the named insured is required to add an additional insured on this policy under a written contract or written agreement; the written contract or written agreement must be:

a. Currently in effect or becoming effective during the term of this policy; b. Executed prior to the “bodily injury,” or “property damage”; and c. Between a named insured and the additional insured

2. That person or organization is an additional insured only for liability arising out of the named

insured’s negligence specifically resulting from “your work” for the additional insured which is the subject of the written contract or written agreement. No coverage applies for any liability due to negligence attributable to any person or entity other than the Named Insured.

CG 85 84 06 05 Includes Copyrighted Material of ISO Properties, Inc., with its permission. Page 1 of 2

3. The Limits of Insurance applicable to the additional insured are the lesser of:

a. Those specified in the written contract or written agreement, or b. Those shown in the Declarations of this policy and defined in Section III - Limits Of

Insurance.

These Limits of Insurance are inclusive of, and not in addition to, the Limits Of Insurance shown in the Declarations and defined in Section III - Limits Of Insurance.

4. The coverage provided by this endorsement does not apply beyond the earlier of the following:

a. The period of time required by the written contract or written agreement; or b. The expiration or termination date of this policy.

5. The insurance provided to the additional insured does not apply to:

“Bodily injury,” “property damage” or arising out of the rendering of, or the failure to render, any professional architectural, engineering or surveying services, including:

a. The preparing, approving, or failure to prepare or approve, maps, shop drawings,

opinions, reports, surveys, field orders, change orders or drawing and specifications; and b. Supervisory, inspection, architectural or engineering activities.

6. We have no duty to defend or indemnify an additional insured under this endorsement:

a. For any liability due to negligence attributable to any person or entity other than the

Named Insured. b. For any loss which occurs prior to our named insured commencing operations at the

location of the loss. c. Until we receive written notice of a claim or “suit” from the additional insured as required

in Section IV – Conditions, Duties In The Event Of Occurrence, Offense Claim Or Suit. C. Section IV - Conditions are amended as follows:

1. The following is added to Paragraph 2., Duties In The Event of Occurrence, Offense, Claim or Suit:

An additional Insured under this endorsement must comply with all provisions of this section.

2. As respects the coverage provided under this endorsement, Paragraph 4.b., Other Insurance is

deleted and replaced by the following:

4. Other Insurance

b. Excess Insurance

This insurance is excess over any other insurance naming the additional insured as an insured whether primary, excess, contingent or on any other basis unless the written contract or agreement described in A. above specifically requires that this insurance be provided on either a primary basis or a primary and noncontributory basis.

CG 85 84 06 05 Includes Copyrighted Material of ISO Properties, Inc., with its permission. Page 2 of 2

COMMERCIAL GENERAL LIABILITY CG 83 30 12 03

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

GENERAL LIABILITY

MASTER PAK �

This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART

INDEX SUBJECT PAGE BLANKET ADDITIONAL INSURED (OWNERS, LESSEES, CONTRACTORS OR LESSORS) 2 FIRE, LIGHTNING, EXPLOSION AND SPRINKLER LEAKAGE DAMAGE TO PREMISES YOU RENT 3 NON-OWNED WATERCRAFT 4 SUPPLEMENTARY PAYMENTS (BAIL BONDS) 4 PERSONAL AND ADVERTISING INJURY - ELECTRONIC PUBLICATION EXTENSION 5 AGGREGATE LIMITS (PER LOCATION) 5 AGGREGATE LIMITS (PER PROJECT) 5 VOLUNTARY PROPERTY DAMAGE COVERAGE 6 OFF PREMISES CARE, CUSTODY OR CONTROL COVERAGE 6 NEWLY FORMED OR ACQUIRED ORGANIZATIONS 7 DUTIES IN THE EVENT OF OCCURRENCE, OFFENSE, CLAIM OR SUIT 7 BODILY INJURY (MENTAL ANGUISH) 8 WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS 8 MEDICAL PAYMENTS 8

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1. BLANKET ADDITIONAL INSURED (Owners, Lessees, Contractors or Lessors) (Includes a Primary/Non-Contributory provision)

Who Is An Insured - Section II is amended to include as an insured any person or organization whom you are required to name as an additional insured on this policy in a written contract or written agreement. The written contract or written agreement must be currently in effect or becoming effective during the term of this policy and executed prior to the "bodily injury," "property damage" or "personal and advertising injury."

The insurance provided the additional insured is limited as follows:

A. The person or organization is only an additional insured with respect to liability:

1. Arising out of real property, as described in a written contract or written agreement, that you own, rent,

lease or occupy; or 2. Caused in whole or in part by your ongoing operations performed for that insured.

The insurance provided the additional insured in 1.A.2. above does not apply to:

a. Coverage A - Bodily Injury and Property Damage Liability, Coverage B - Personal and

Advertising Injury Liability or defense coverage under the Supplementary Payments arising out of an architect's, engineer's or surveyor's rendering of or failure to render any professional services including:

(1) The preparing, approving, or failing to prepare or approve maps, shop drawings,

opinions, reports, surveys, field orders, change orders or drawings and specifications; and

(2) Supervisory, inspection, architectural or engineering activities.

b. "Bodily injury" or "property damage" occurring after:

(1) All work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) were performed by or on behalf of the additional insured(s) at the site where the covered operations have been completed; or

(2) That portion of "your work" out of which the injury or damage arises has been put to its

intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as part of the same project.

B. The limits of insurance applicable to the additional insured are those specified in a written contract or written

agreement or the limits of Insurance as stated in the Declarations of this policy and defined in Section III - Limits Of Insurance of this policy, whichever are less. These limits are inclusive of and not in addition to the limits of insurance available under this policy.

C. The insurance provided the additional insured does not apply to the liability resulting from the sole negligence of

the additional insured.

Includes copyrighted material of ISO Properties, Inc., with its permission. CG 83 30 12 03 ISO Properties, Inc., 2003 Page 2 of 8

D. As respects the coverage provided to the additional insured under this endorsement, Section IV- Conditions is amended as follows:

1. The following is added to Condition 2. Duties In The Event Of Occurrence, Offense, Claim, or Suit:

An additional insured under this endorsement will as soon as practicable:

a. Give written notice of an "occurrence" or an offense, that may result in a claim or “suit”

under this insurance to us; b. Tender the defense and indemnity of any claim or “suit” to all insurers whom also have

insurance available to the additional insured; and c. Agree to make available any other insurance which the additional insured has for a loss

we cover under this Coverage Part.

2. The following is added to Condition 3. Legal Action Against Us:

We have no duty to defend or indemnify an additional insured under this endorsement until we receive written notice of a claim or “suit” from the additional insured.

3. The following is added to Paragraph a., Primary Insurance of Condition 4. Other Insurance:

If the additional insured's policy has an Other Insurance provision making its policy excess, and a Named Insured has agreed in a written contract or written agreement to provide the additional insured coverage on a primary and noncontributory basis, this policy shall be primary and we will not seek contribution from the additional insured's policy for damages we cover.

4. The following is added to Paragraph b., Excess Insurance of Condition 4. Other Insurance:

Except as provided in Paragraph 4.a. Primary Insurance as amended above, any coverage provided hereunder shall be excess over any other valid and collectible insurance available to the additional insured whether primary, excess, contingent or on any other basis. In the event an additional insured has other coverage available for an "occurrence" by virtue of also being an additional insured on other policies, this insurance is excess over those other policies.

2. FIRE, LIGHTNING, EXPLOSION AND SPRINKLER LEAKAGE DAMAGE TO PREMISES YOU RENT

If Damage To Premises Rented To You under Coverage A is not otherwise excluded from this policy, the following applies:

A. The last paragraph of 2. Exclusions of Section I - Coverage A is replaced by the following:

If Damage To Premises Rented To You is not otherwise excluded, Exclusions c. through n. do not apply to damage by fire, lightning, "explosion" or sprinkler leakage to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section III - Limits Of Insurance.

Includes copyrighted material of ISO Properties, Inc., with its permission. CG 83 30 12 03 ISO Properties, Inc., 2003 Page 3 of 8

B. Paragraph 6. of Section III - Limits Of Insurance is replaced by the following:

6. Subject to 5. above, the Damage To Premises Rented To You Limit shown in the Summary of Limits and Charges section of this policy is the most we will pay under Coverage A for damages because of "property damage" to premises rented to you or temporarily occupied by you with the permission of the owner arising out of any one fire, lightning, "explosion" or sprinkler leakage incident.

C. Paragraph b.(1)(b) of Condition 4. Other Insurance (Section IV – Conditions) is replaced by the

following:

(1) That is Fire, Lightning, Explosion or Sprinkler Leakage insurance for premises rented to you or temporarily occupied by you with the permission of the owner;

D. Paragraph 9.a. of the definition of "insured contract" in Section V- Definitions is replaced by the

following:

9. "Insured contract" means:

a. A contract for the lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damages by fire, lightning, "explosion" or sprinkler leakage to premises while rented to you or temporarily occupied by you with the permission of the owner is not an "insured contract";

E. The following definition is added to Section V - Definitions:

"Explosion" means a sudden release of expanding pressure accompanied by a noise, a bursting forth of material and evidence of the scattering of debris to locations further than would have resulted by gravity alone.

"Explosion" does not include any of the following:

1. Artificially generated electrical current including electrical arcing that disturbs electrical

devices, appliances or wires;

2. Rupture or bursting of water pipes;

3. Explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased by you, or operated under your control; or

4. Rupture or bursting caused by centrifugal force.

3. NON-OWNED WATERCRAFT

Subparagraph g.(2) of Paragraph 2., Exclusions of Section I - Coverage A is replaced by the following:

(2) A watercraft you do not own that is:

(a) Less than 51 feet long; and (b) Not being used to carry persons or property for a charge;

4. SUPPLEMENTARY PAYMENTS

In the Supplementary Payments - Coverages A and B provision:

The limit for the cost of bail bonds in Paragraph 1.b. is changed from $250 to $1000.

Includes copyrighted material of ISO Properties, Inc., with its permission. CG 83 30 12 03 ISO Properties, Inc., 2003 Page 4 of 8

5. PERSONAL AND ADVERTISING INJURY - ELECTRONIC PUBLICATION EXTENSION

Paragraphs 14.b., d. and e. of Section V - Definitions are replaced by the following:

b. Malicious prosecution or abuse of process; d. Oral, written, televised, videotaped or electronic publication of material that slanders or libels a person or

organization or disparages a person's or organization's goods, products or services; e. Oral, written, televised, videotaped or electronic publication of material that violates a person's right of

privacy;

The following is added to Paragraph 14. "Personal and Advertising Injury" of Section V - Definitions:

h. Discrimination or humiliation that results in injury to the feelings or reputation of a natural person, but only if such discrimination or humiliation is:

(1) Not done intentionally by or at the direction of:

(a) An insured; or (b) Any "executive officer" director, stockholder, partner or member of the insured; and

(2) Not directly or indirectly related to the employment, prospective employment or termination of

employment of any person or persons by any insured.

Subparagraphs b. and c. of 2., Exclusions of Section I - Coverage B - Personal And Advertising Injury Liability are replaced by the following:

b. Material Published With Knowledge Of Falsity

"Personal and advertising injury" arising out of oral, written, televised, videotaped or electronic publication of material, if done by or at the direction of the insured with knowledge of its falsity;

c. Material Published Prior To Policy Period

"Personal and advertising injury" arising out of oral, written, televised, videotaped or electronic publication of material whose first publication took place before the beginning of the policy period;

6. AGGREGATE LIMITS OF INSURANCE (PER LOCATION)

The General Aggregate Limit under Section III Limits Of Insurance applies separately to each of your "locations" owned by or rented to you or temporarily occupied by you with the permission of the owner.

"Location" means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad.

7. AGGREGATE LIMITS OF INSURANCE (PER PROJECT)

The General Aggregate Limit under Section III Limits Of Insurance applies separately to each of your projects away from premises owned by or rented to you.

Includes copyrighted material of ISO Properties, Inc., with its permission. CG 83 30 12 03 ISO Properties, Inc., 2003 Page 5 of 8

8. VOLUNTARY PROPERTY DAMAGE COVERAGE

At your request, we will pay for "loss" to property of others caused by your business operations. The most we will pay for this coverage is $500 each "occurrence." The "loss" must occur during the policy period. The "occurrence" must take place in the "coverage territory".

"Loss" means unintended damage or destruction. "Loss" does not mean disappearance, abstraction or theft.

This coverage does not apply to:

1. Damage arising out of the use of any "auto"; 2. Property you own, occupy, rent or lease from others; or 3. Property on your premises for sale, service, repair or storage.

None of the other policy exclusions apply to this coverage.

If the policy to which this endorsement is attached is written with a property damage liability deductible, the deductible shall apply to Voluntary Property Damage. The limit of coverage stated above shall not be reduced by the amount of this deductible.

9. OFF PREMISES CARE, CUSTODY OR CONTROL COVERAGE

A. We will pay those sums that you become legally obligated to pay as damages because of "property damage" to personal property of others while in your or your "employees" care, custody or control or real property of others over which you or your "employees" are exercising physical control if the "property damage" arises out of your business operations. This Coverage is subject to sections B., C., D. and E. below.

B. Exclusions

This insurance shall not apply to:

1. "Property damage" of property at premises owned, rented, leased, operated or used by you; 2. "Property damage" of property while in transit; 3. The cost of repairing or replacing:

(a) Any of your work defectively or incorrectly done by you or by others on your behalf; or (b) Any product manufactured, sold or supplied by you, unless the "property damage" is caused

directly by you after delivery of the product or completion of the work and resulting from a subsequent undertaking; or

4. "Property damage" of property caused by or arising out of the "products-completed operations hazard".

C. Limits Of Insurance - The most we will pay for "property damage" under this Section 9. is $5,000 for each "occurrence". The most we will pay for the sum of all damages covered under this Section 9. because of "property damage" is an annual aggregate limit of $25,000.

The Limits Of Insurance provided under this Section 9. are inclusive of and not in addition to any other limits provided in the policy or endorsements attached to it.

D. Deductible - We will not pay for "property damage" in any one "occurrence" until the amount of "property

damage" exceeds $250. If the policy to which this endorsement is attached contains a "property damage" deductible, that deductible shall apply if it is greater than $250.

E. In the event of "property damage" covered by this endorsement, you shall, if requested by us, replace the

property or furnish the labor and materials necessary for repairs thereto at your actual cost, excluding profit or overhead charges.

Includes copyrighted material of ISO Properties, Inc., with its permission. CG 83 30 12 03 ISO Properties, Inc., 2003 Page 6 of 8

10. NEWLY FORMED OR ACQUIRED ORGANIZATIONS

A. Paragraph 4. of Section II - Who Is An Insured is deleted and replaced by the following:

4. Any business entity acquired by you or incorporated or organized by you under the laws of any individual state of the United States of America over which you maintain majority ownership interest exceeding fifty percent. Such acquired or newly formed organization will qualify as a Named Insured if there is no similar insurance available to that entity. However:

a. Coverage under this provision applies only until the expiration of the policy period in which the

entity was acquired or incorporated or organized by you. b. Coverage A does not apply to “bodily injury” or “property damage” that occurred before the entity

was acquired or incorporated or organized by you. c. Coverage B does not apply to “personal and advertising injury” arising out of an offense

committed before the entity was acquired or incorporated or organized by you. d. Records and descriptions of operations must be maintained by the first Named Insured.

B. This Section 10. does not apply to newly formed or acquired organizations if coverage is excluded either by

provisions of the Coverage Part or by other endorsement(s) attached to it. 11. DUTIES IN THE EVENT OF OCCURRENCE, OFFENSE, CLAIM OR SUIT

A. The requirements in Section IV - Conditions, Paragraph 2.a., that you must see to it that we are notified of an "occurrence" applies only when the "occurrence" is known to:

1. You, if you are an individual; 2. A partner, if you are a partnership; 3. A member or manager, if you are a limited liability company; 4. An executive officer or designee, if you are a corporation; 5. A trustee, if you are a trust; or 6. A designee, if you are any other type of organization.

B. The requirements in Section IV - Conditions Paragraph 2.b. that you must see to it that we receive written

notice of a claim or "suit" will not be considered breached unless the breach occurs after such claim or "suit" is known to:

1. You, if you are an individual; 2. A partner, if you are a partnership; 3. A member or manager if you are a limited liability company; 4. An executive officer or designee, if you are a corporation; 5. A trustee, if you are a trust; or 6. A designee, if you are any other type of organization.

Knowledge of an "occurrence," claim or "suit" by the agent, servant or "employee" of any insured shall not in itself constitute knowledge of the insured unless an officer or designee shall have received notice from its agent, servant or "employee".

Includes copyrighted material of ISO Properties, Inc., with its permission. CG 83 30 12 03 ISO Properties, Inc., 2003 Page 7 of 8

12. BODILY INJURY

Paragraph 3. of the definition of "bodily injury" in the Section V - Definitions is replaced by the following:

3. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including mental anguish or death resulting from any of these at any time.

13. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS

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 any person or organization for whom you perform work under a written contract that requires you to obtain this agreement from us.

This agreement shall not operate directly or indirectly to benefit anyone not named in the agreement.

14. MEDICAL PAYMENTS

If Coverage C Medical Payments is not otherwise excluded, the Medical Expense Limit provided by this policy shall be the greater of:

A. $10,000; or B. The amount shown in the Declarations.

All other terms and conditions of your policy remain unchanged.

Includes copyrighted material of ISO Properties, Inc., with its permission. CG 83 30 12 03 ISO Properties, Inc., 2003 Page 8 of 8

ST. PAUL TRAVELERS ADDITIONAL

INSURED FORMS

COMMERCIAL GENERAL LIABILITY

EX Gn nn 12 05 Copyright, St Paul Travelers Companies, 2005 Page 1 of 3

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY

BLANKET ADDITIONAL INSURED (CONTRACTORS)

This endorsement modifies insurance provided under the following:

SELF-INSURED EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM 1. WHO IS AN INSURED - (Section II) is amended to include any person or

organization that you agree in a “written contract requiring insurance” to include as an additional insured on this Coverage Part, but:

a) Only with respect to liability for “bodily injury”, “property damage” or

“personal injury”; and b) If, and only to the extent that, the injury or damage is caused by acts or

omissions of you or your subcontractor in the performance of “your work” to which the “written contract requiring insurance” applies. The person or organization does not qualify as an additional insured with respect to the independent acts or omissions of such person or organization.

2. The insurance provided to the additional insured by this endorsement is limited

as follows:

a) In the event that the Limits of Insurance of this Coverage Part shown in the Declarations exceed the limits of liability required by the “written contract requiring insurance”, the insurance provided to the additional insured shall be limited to the limits of liability required by that “written contract requiring insurance”. This endorsement shall not increase the limits of insurance described in Section III - Limits Of Insurance.

b) The insurance provided to the additional insured does not apply to "bodily

injury", "property damage" or "personal injury" arising out of the rendering of, or failure to render, any professional architectural, engineering or surveying services, including:

i. The preparing, approving, or failing to prepare or approve, maps,

shop drawings, opinions, reports, surveys, field orders or change orders, or the preparing, approving, or failing to prepare or approve, drawings and specifications; and

ii. Supervisory, inspection, architectural or engineering activities.

c) The insurance provided to the additional insured does not apply to "bodily injury" or "property damage" caused by "your work" and included in the "products-completed operations hazard" unless the “written contract requiring insurance” specifically requires you to provide such coverage for that additional insured, and then the insurance provided to the additional

COMMERCIAL GENERAL LIABILITY

EX Gn nn 12 05 Copyright, St Paul Travelers Companies, 2005 Page 2 of 3

insured applies only to such “bodily injury” or “property damage” that occurs before the end of the period of time for which the “written contract requiring insurance” requires you to provide such coverage or the end of the policy period, whichever is earlier.

3. Subparagraph (1)(a) of the Pollution exclusion under Paragraph 2., Exclusions of Coverage

A. Bodily Injury and Property Damage Liability (Section I – Coverages) does not apply to you if the "bodily injury" or "property damage" is caused by "your work" performed at any premises, site or location which is owned by, or rented to, the additional insured at the time "your work" is performed there.

4. The insurance provided to the additional insured by this endorsement is excess over any valid and collectible “other insurance”, whether primary, excess, contingent or on any other basis, that is available to the additional insured for a loss we cover under this endorsement. However, if the “written contract requiring insurance” specifically requires that this insurance apply on a primary basis or a primary and non-contributory basis, this insurance will apply as if “other insurance” available to the additional insured which covers that person or organization as a named insured for such loss does not exist, and we will not share with that “other insurance”. But the insurance provided to the additional insured by this endorsement still is excess over any valid and collectible “other insurance”, whether primary, excess, contingent or on any other basis, that is available to the additional insured when that person or organization is an additional insured under such ”other insurance”.

5. As a condition of coverage provided to the additional insured by this endorsement:

a) The additional insured must give us written notice as soon as practicable of an “occurrence” or an offense which may result in a claim under this insurance. To the extent possible, such notice should include: i. How, when and where the “occurrence” or offense took place; ii. The names and addresses of any injured persons and witnesses;

and iii. The nature and location of any injury or damage arising out of the

“occurrence” or offense.

b) If a claim is made or “suit” is brought against the additional insured which may result in a claim against this insurance, the additional insured must:

i. Immediately record the specifics of the claim or “suit” and the date

received; and ii. Notify us as soon as practicable.

The additional insured must see to it that we receive written notice of the claim or “suit” as soon as practicable.

COMMERCIAL GENERAL LIABILITY

EX Gn nn 12 05 Copyright, St Paul Travelers Companies, 2005 Page 3 of 3

c) If a claim is made or “suit” is brought against the additional insured which may result in a claim against this insurance, the additional insured must immediately send us copies of all legal papers received in connection with the claim or “suit”, cooperate with us in the investigation or settlement of the claim or defense against the “suit”, and otherwise comply with all policy conditions.

d) The additional insured must tender the defense and indemnity of any

claim or “suit” to any provider of “other insurance” which would cover the additional insured for a loss we cover under this endorsement. However, this condition does not affect whether, as described in paragraph 4. above, the insurance provided to the additional insured by this endorsement will apply as if “other insurance” available to the additional insured which covers that person or organization as a named insured does not exist.

6. The following definition is added to SECTION V. – DEFINITIONS:

“Written contract requiring insurance” means that part of any written contract or agreement under which you are required to include a person or organization as an additional insured on this Coverage Part, provided that the “bodily injury” and “property damage” occurs and the “personal injury” is caused by an offense committed:

a. After the signing and execution of the contract or agreement by you;

b. While that part of the contract or agreement is in effect; and

c. Before the end of the policy period.

CNA ADDITIONAL

INSURED FORMS

G-140331-A (Ed. 01/01)

G-140331-A Page 1 of 2 (Ed. 01/01)

IMPORTANT: THIS ENDORSEMENT CONTAINS DUTIES THAT APPLY TO THE ADDITIONAL INSURED IN THE EVENT OF OCCURRENCE, OFFENSE, CLAIM OR SUIT. SEE PARAGRAPH C.1. OF THIS ENDORSEMENT FOR THESE DUTIES.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CONTRACTOR’S SCHEDULED AND BLANKET ADDITIONAL INSURED ENDORSEMENT WITH PRODUCTS-COMPLETED OPERATIONS COVERAGE

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name of Person or Organization: Designated Project: (Coverage under this endorsement is not affected by an entry or lack of entry in the Schedule above.)

A. WHO IS AN INSURED (Section II) is amended to include as an insured any person or organization, including any person or organization shown in the schedule above, (called additional insured) whom you are required to add as an additional insured on this policy under a written contract or written agreement; but the written contract or written agreement must be:

1. Currently in effect or becoming effective during the term of this policy; and

2. Executed prior to the “bodily injury,” “property damage,” or “personal and advertising injury”.

B. The insurance provided to the additional insured is limited as follows:

1. That person or organization is an additional insured solely for liability due to your negligence specifically resulting from “your work” for the additional insured which is the subject of the written contract or written agreement. No coverage applies to liability resulting from the sole negligence of the additional insured.

2. The Limits of Insurance applicable to the additional insured are those specified in the written contract or written agreement or in the Declarations of this policy, whichever is less. These Limits of Insurance are inclusive of, and not in addition to, the Limits of Insurance shown in the Declarations.

3. The coverage provided to the additional insured by this endorsement and paragraph f. of the definition of “insured contract” under DEFINITIONS (Section V) do not apply to “bodily injury” or “property damage” arising out of the “products-completed operations hazard” unless required by the written contract or written agreement.

4. The insurance provided to the additional insured does not apply to “bodily injury,” “property damage,” or “personal and advertising injury” arising out of an architect’s, engineer’s, or surveyor’s rendering of or failure to render any professional services including:

a. The preparing, approving, or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; and

b. Supervisory, or inspection activities performed as part of any related architectural or engineering activities.

C. As respects the coverage provided under this endorsement, SECTION IV – COMMERCIAL GENERAL LIABILITY CONDITIONS are amended as follows:

G-140331-A (Ed. 01/01)

G-140331-A Page 2 of 2 (Ed. 01/01)

1. The following is added to the Duties In The Event of Occurrence, Offense, Claim or Suit Condition:

e. An additional insured under this endorsement will as soon as practicable:

(1) Give written notice of an occurrence or an offense to us which may result in a claim or “suit” under this insurance;

(2) Tender the defense and indemnity of any claim or “suit” to any other insurer which also has insurance for a loss we cover under this Coverage Part; and

(3) Agree to make available any other insurance which the additional insured has for a loss we cover under this Coverage Part.

f. We have no duty to defend or indemnify an additional insured under this endorsement until we receive written notice of a claim or “suit” from the additional insured.

2. Paragraph 4.b. of the Other Insurance Condition is deleted and replaced with the following:

4. Other Insurance

b. Excess Insurance

This insurance is excess over any other insurance naming the additional insured as an insured whether primary, excess, contingent or on any other basis unless a written contract or written agreement specifically requires that this insurance be either primary or primary and noncontributing.

G-17957-G (Ed. 01/01)

G-17957-G Page 1 of 2 (Ed. 01/01)

IMPORTANT: THIS ENDORSEMENT CONTAINS DUTIES THAT APPLY TO THE ADDITIONAL INSURED IN THE EVENT OF OCCURRENCE, OFFENSE, CLAIM OR SUIT. SEE PARAGRAPH C.1. OF THIS ENDORSEMENT FOR THESE DUTIES. ALSO, THIS ENDORSEMENT CHANGES THE CONTRACTUAL LIABILITY COVERAGE WITH RESPECTS TO THE “BODILY INJURY” OR “PROPERTY DAMAGE” ARISING OUT OF THE “PRODUCTS-COMPLETED OPERATIONS HAZARD”. SEE PARAGRAPH B.3. OF THIS ENDORSEMENT FOR THIS COVERAGE CHANGE.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CONTRACTOR’S SCHEDULED AND BLANKET ADDITIONAL INSURED ENDORSEMENT WITH LIMITED PRODUCTS-COMPLETED OPERATIONS

COVERAGE This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name of Person or Organization: Designated Project: (Coverage under this endorsement is not affected by an entry or lack of entry in the Schedule above.)

A. WHO IS AN INSURED (Section II) is amended to include as an insured any person or organization, including any person or organization shown in the schedule above, (called additional insured) whom you are required to add as an additional insured on this policy under a written contract or written agreement; but the written contract or written agreement must be:

1. Currently in effect or becoming effective during the term of this policy; and

2. Executed prior to the “bodily injury,” “property damage,” or “personal and advertising injury”.

B. The insurance provided to the additional insured is limited as follows:

1. That person or organization is an additional insured solely for liability due to your negligence specifically resulting from “your work” for the additional insured which is the subject of the written contract or written agreement. No coverage applies to liability resulting from the sole negligence of the additional insured.

2. The Limits of Insurance applicable to the additional insured are those specified in the written contract or written agreement or in the Declarations of this policy, whichever is less. These Limits of Insurance are inclusive of, and not in addition to, the Limits of Insurance shown in the Declarations.

3. The coverage provided to the additional insured by this endorsement and paragraph f. of the definition of “insured contract” under DEFINITIONS (Section V) do not apply to “bodily injury” or “property damage” arising out of the “products-completed operations hazard” unless required by the written contract or written agreement. When coverage does apply to “bodily injury” or “property damage” arising out of the “products-completed operations hazard” such coverage will not apply beyond:

a. The period of time required by the written contract or written agreement; or

G-300415-A (Ed. 04/07)

G-300415-A Page 1 of 1 (Ed. 04/07)

© ISO Properties, Inc., 2000

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED – SCHEDULED PERSON OR ORGANIZATION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name of Person or Organization:

(If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.)

A. Section II – Who Is An Insured is amended to include as an insured the person or organization shown in the Schedule, but only with respect to liability arising out of your ongoing operations performed for that insured.

B. With respect to the insurance afforded to these additional insureds, the following exclusion is added: 2. Exclusions

This insurance does not apply to "bodily injury" or "property damage" occurring after:

(1) All work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured(s) at the site of the covered operations has been completed; or

(2) That portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project.

G-300416-A (Ed. 04/07)

G-300416-A Page 1 of 1 (Ed. 04/07)

© ISO Properties, Inc., 2000

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED – COMPLETED OPERATIONS This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name of Person or Organization: Location And Description of Completed Operations:

(If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.)

Section II – Who Is An Insured is amended to include as an insured the person or organization shown in the Schedule, but only with respect to liability arising out of "your work" at the location designated and described in the schedule of this endorsement performed for that insured and included in the "products-completed operations hazard."

G-17957-G (Ed. 01/01)

G-17957-G Page 2 of 2 (Ed. 01/01)

b. 5 years from the completion of “your work” on the project which is the subject of the written contract or written agreement,

whichever is less.

4. The insurance provided to the additional insured does not apply to “bodily injury,” “property damage,” or “personal and advertising injury” arising out of an architect’s, engineer’s, or surveyor’s rendering of or failure to render any professional services including:

a. The preparing, approving, or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; and

b. Supervisory, or inspection activities performed as part of any related architectural or engineering activities.

C. As respects the coverage provided under this endorsement, SECTION IV – COMMERCIAL GENERAL LIABILITY CONDITIONS are amended as follows:

1. The following is added to the Duties In The Event of Occurrence, Offense, Claim or Suit Condition:

e. An additional insured under this endorsement will as soon as practicable:

(1) Give written notice of an occurrence or an offense to us which may result in a claim or “suit” under this insurance;

(2) Tender the defense and indemnity of any claim or “suit” to any other insurer which also has insurance for a loss we cover under this Coverage Part; and

(3) Agree to make available any other insurance which the additional insured has for a loss we cover under this Coverage Part.

f. We have no duty to defend or indemnify an additional insured under this endorsement until we receive written notice of a claim or “suit” from the additional insured.

2. Paragraph 4.b. of the Other Insurance Condition is deleted and replaced with the following:

4. Other Insurance

b. Excess Insurance

This insurance is excess over any other insurance naming the additional insured as an insured whether primary, excess, contingent or on any other basis unless a written contract or written agreement specifically requires that this insurance be either primary or primary and noncontributing.

WESTFIELD ADDITIONAL

INSURED FORMS

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WESTERN NATIONAL

ADDITIONAL INSURED FORMS

POLICY NUMBER: COMMERCIAL GENERAL LIABILITY WN GL 49 10 08

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

WN GL 49 10 08 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 2

ADDITIONAL INSURED – OWNERS, LESSEES OR CONTRACTORS – AUTOMATIC STATUS WHEN

REQUIRED IN CONSTRUCTION AGREEMENT WITH YOU PRIMARY AND NONCONTRIBUTORY

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. Section II – Who Is An Insured is amended to

include as an additional insured any person or or-ganization for whom you are performing opera-tions when you and such person or organization have agreed in writing in a contract or agreement that such person or organization be added as an additional insured on your policy. Such person or organization is an additional insured only with re-spect to liability for "bodily injury", "property dam-age" or "personal and advertising injury" caused, in whole or in part, by:

1. Your acts or omissions; or 2. The acts or omissions of those acting on your

behalf; in the performance of your ongoing operations for the additional insured. A person's or organization's status as an addi-tional insured under this endorsement ends when your operations for that additional insured are completed.

B. The Limits of Insurance applicable to the addi-

tional insured are those specified in the written contract or written agreement or in the Declara-tions of this policy, whichever is less. These Lim-its of Insurance are inclusive of, and not in addition to Limits of Insurance shown in the Declarations.

CB. With respect to the insurance afforded to these additional insureds, the following additional exclusions apply: This insurance does not apply to:

1. "Bodily injury", "property damage" or "personal and advertising injury" arising out of the ren-dering of, or the failure to render, any profes-sional architectural, engineering or surveying services, including:

a. The preparing, approving, or failing to pre-pare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifica-tions; or

b. Supervisory, inspection, architectural or engineering activities.

2. "Bodily injury" or "property damage" occurring after:

a. All work, including materials, parts or equipment furnished in connection with such work, on the project (other than ser-vice, maintenance or repairs) to be per-formed by or on behalf of the additional in-sured(s) at the location of the covered operations has been completed; or

b. That portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcon-tractor engaged in performing operations for a principal as a part of the same project.

Page 2 of 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. WN GL 49 10 08

D. As respects the coverage provided under this endorsement, Paragraph 4.b. of the Other Insur-ance Condition is deleted and replaced by the fol-lowing:

4. Other Insurance b. Excess Insurance This insurance is excess over any other

insurance naming the additional insured as an insured whether primary, excess, con-tingent or on any other basis unless the written contract or agreement described in A. above specifically requires that this insurance be provided on either a primary basis or a primary and noncontributory ba-sis.

POLICY NUMBER: COMMERCIAL GENERAL LIABILITY WN GL 48 10 08

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

WN GL 48 10 08 Includes copyrighted material of Insurance Services Office Inc, with its permission . Page 1 of 2

ADDITIONAL INSURED – OWNERS, LESSEES OR CONTRACTORS – SCHEDULED PERSON OR

ORGANIZATION PRIMARY AND NONCONTRIBUTORY

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name Of Additional Insured Person(s)

Or Organization(s): Location(s) Of Covered Operations

Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II – Who Is An Insured is amended to

include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by:

1. Your acts or omissions; or 2. The acts or omissions of those acting on your

behalf; in the performance of your ongoing operations for the additional insured(s) at the location(s) desig-nated above.

B. The Limits of Insurance applicable to the addi-

tional insured are those specified in the written contract or written agreement or in the Declara-tions of this policy, whichever is less. These Lim-its of Insurance are inclusive of, and not in addition to, the Limits of Insurance shown in the Declara-tions.

CB. With respect to the insurance afforded to these additional insureds, the following additional exclu-sions apply: This insurance does not apply to "bodily injury" or "property damage" occurring after:

1. All work, including materials, parts or equip-ment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured(s) at the location of the covered operations has been completed; or

2. That portion of "your work" out of which the injury or damage arises has been put to its in-tended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a princi-pal as a part of the same project.

Page 2 of 2 Includes copyrighted material of Insurance Services Office Inc, with its permission . WN GL 48 10 08

D.As respects the coverage provided under this en-dorsement, Paragraph 4.b. of the Other Insur-ance Condition is deleted and replaced by the fol-lowing:

4. Other Insurance b. Excess Insurance This insurance is excess over any other

insurance naming the additional insured as an insured whether primary, excess, contingent or on any other basis unless the written contract or agreement de-scribed in A. above specifically requires that this insurance be provided on either a primary basis or a primary and noncon-tributory basis.

POLICY NUMBER: COMMERCIAL GENERAL LIABILITY WN GL 50 01 09

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

WN GL 50 01 09 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1

ADDITIONAL INSURED – OWNERS, LESSEES OR CONTRACTORS – COMPLETED OPERATIONS

PRIMARY AND NONCONTRIBUTORY This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name Of Additional Insured Person(s)

Or Organization(s): Location And Description Of Completed Opera-

tions

Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II – Who Is An Insured is amended to

include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury" or "prop-erty damage" caused, in whole or in part, by "your work" at the location designated and described in the schedule of this endorsement performed for that additional insured and included in the "prod-ucts-completed operations hazard".

B. The Limits of Insurance applicable to the addi-tional insured are those specified in the written contract or written agreement or in the Declara-tions of this policy, whichever is less. These Lim-its of Insurance are inclusive of, and not in addi-tion to Limits of Insurance shown in the Declarations.

C. As respects the coverage provided under this en-dorsement, Paragraph 4.b. of the Other Insurance Condition is deleted and replaced by the following:

4. Other Insurance

b. Excess Insurance

This insurance is excess over any other in-surance naming the additional insured as an insured whether primary, excess, contingent or on any other basis unless the written con-tract or agreement described in A. above spe-cifically requires that this insurance be pro-vided on either a primary basis or a primary and noncontributory basis.