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ACE INA Privacy Statement
Keeping information accurate and up to date is important to us . Individuals may see and
c o r r e c t t h e i r p e r s o n a l i n f o r m a t i o n t h a t w e c o l l e c t e x c e p t f o r i n f o r m a t i o n r e l a t i n g t o a c l a i m o r a
c r i m i n a l o r c i v i l p r o c e e d i n g .
PI-19668
The ACE INA group of companies st ngly bel i e v e s i n m a i n t a i n i n g t h e p r i v a c y o f i n f o r m a t i o n
w e c o l l e c t about i n d i v i d u a l s . We want you to underst and how and why we use and d i sclose
t h e c o l l e c t e d i n f o r m a t i o n . The f o l l o w i n g p r o v i d e s d e t a i l s o f o u r p r a c t i ces and procedures f o r
p r o t e c t i ng the security of n o n p u b l i c personal i n f ormatio n tha t we ha ve co ll ec te d a bo ut
i n d i v i d u a l s . T h i s p r i v a c y statement a p p l i e s t o p o l i cies underwr i tte n b y t he ACE INA gro up
member companies listed below .
INFORMATION WE COLLECT
T h e i n f o r m a t i o n w e c o l l e c t w i l l v a r y d e p e n d i n g o n t h e t y p e o f p r o d u c t o r s e r v i c e i n d i v i d u a l s
seek or purchase, and may include :
I n f o r m a t i o n we rece i ve from i n d i v i d u a l s , suc h as t he i r n a m e , address , age , phone
n u m b e r , s o c i a l s e c u r i t y nu m b e r , assets , income , o r b e n e f i c i a r i e s ;
I n f o r m a t i o n a b o u t i n d i v i d u a l s ' t r a n s a c t i o n s w i t h u s , w i t h o u r a f f i l i a t e s , o r w i t h o t h e r s ,
s u c h a s p o l i c y c o v e r a g e , p r e m i u m , p a y m e n t h i s t o r y , m o t o r v e h i c l e r e c o r d s ; a n d
I n f o r m a t i o n w e r e c e i v e f r o m a c o n s u m e r r e p o r t i n g a g e n c y , s u c h a s a c r e d i t h i s t o r y .
INFONATION WE DI SCLOSE
We do n o t d i sc l ose any personal informat i on to anyone except as is necessary i n o r d e r t oprov i d e o u r p r o d u c t s o r s e r v i c e s t o a p e r s o n , o r o t h e r w i s e a s w e a r e r e q u i r e d o r p e r m i t t e d b y
law .
We may disclose any o f the i n f o r m a t i o n t h a t we collect to compan i es that perform marke ting
services on our be h a l f o r t o o t h e r fi n a n c i a l i n s t i t u t i o n s w i t h whom we have jo int marketing
a g r e e m e n t s .
THE RIGHT TO VERIFY THUCCURACY OF INFORMATION WE COLLECTCONFIDENTIALITY AND SECURITY
We r e s t r i c t a c c e s s t o p e r s o n a l i n f o r m a t i o n to our employees, o u r a f f i l i a t e s ' employees , o rothers who nee d to know that i n f o r m a t i o n t o se r v i c e t h e a c c o u n t o r i n t h e course o f c o n d u c t i ng
our normal business operat i ons . We ma i n t a i n p h y s i c a l , e l e c t r o n i c , and proced ur a l s a f e g u a r d s~ t o p r o t e c t p e r s o n a l i n f o r m a t i o n .
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I # y o u h a v e a n y q u e s t i o n s a b o u t t h i s
w e p r o t e c t p r i v a c y , p l e a s e w r i t e t o u
Walnut Stree t, WA04F, Philad elphia
correspon dence with us .
r i v a c y s t a t e m e n t o r w o u l d l i k e t o l e a r n m o r e a b o u t h o w
a t ACE I NA Customer Services, P .O. B o x 1000, 436
PA 19106 . Please include the policy number on any
P I - 1 9668 ( 0 2 ! 0 6 )P a g e 2 o f 2
f-~f
ACE American Insurance CompanyACE Ameri can Lloyds Insuran ce CompanyACE Fire U n d e r w r i t e r s Insuranc e Cormpany
ACE Indemnity Insura nce CompanyACE Insura nce Company of Illin ois
ACE Insurance Compa ny of Oh i oACE Insurance Compa ny o f the MidwestACE Property and Casualty l n su ranc~ CompanyA t l a n t i c E m p l o y e r s Insura nce Company
Bankers Standard F i r e and Marine CompanyBankers Standard Insuranc e CompanyCentury Indemnity Company
Illinois Unio n Insurance Company
Indemnit y Insurance Company of North Ameri ca
Insurance Company of North Ameri ca
Pacific Employ ers Insuran ce Company
West c h e s t e r F i r e Insurance CompanyWestchester Surplus L i nes Insurance (CompanyESIS, I n c .
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UREDaetrac Petroleum , Inc .
Cumberland Blvd .
tlanta, GA 3033 9
IS : R e n e w a l OF XSL G20593854INSURED IS: Corporati :
NESSOF INSURED : Convenience Stores
: FROM os /ol/zo06 TO os}oxF2od 7; .
1 2 : 01 A ,M ~ STANDARD: T I M E AT YOUR MAILI NG;ADDRESS SHOWN ABOVE, .
z
v . .PREM1UI t Z , . .UDITPERIOD : Annu al
ENTEQUENCY: Quarterly.
PAYMENT SCHEDULE: oslo 1 / 2 0 0 5
REDACTED
03/01/2007
TOTAL ADVANCE PREMIUM REDACTED
E s t i m a t e d Gallons x R a t e Per 1,000 = T o t a l Advance Premium
$ _ x = Subject t o a M i nimum Pr e m i um o f $
XS-6U88c (12102) P a g e 1 o f 2
ACS USAACE Ameri c a n Insurance Company435YYa i nuY Stre e tP . 0 . Box 1000
Philadelphia ; PA 1910637 03
(a s t ock insurance com p any)
Exc e s s : C o m m , e r c i a
Gen era - f t i abi l f t y Pof i c .
P t ~ ~ I C Y ~ D ; E I ~ i T ~ F I G A ,T1~ I ~ .
~ C S L , G[2173z85. o-
09/01/2006
12/01/2006
I n t h e e v e n t y o u c a n c e l , w e s h a t l r e c e i ve and re in not less t h a n ' . 1
, ' pwntersigned : ~.L -
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CLARATIONS - EXCESSGENERAL LIABILI POLICY - - Page 2 ~L G21732850POL I CY IDENTI FICATION
ITS OF INSURANCE
1 o f t h e d e c l a r a t i o n s , w e a g r e e w i t h y o u t o p r o v i d e i n s u r a n c e a t t h e
o f t h e t e r m s a n d c o n d i o n s o f t h i s p o l i c y .
$ 4,500,000
$ 4,500,000
$ 500,000
$ 500,000
$ 50,000
$ 500,000
$ 500,000
OCCURRENCEPERSONAL AND ADVERTISING INJURY
2 o f
ERAL AGGREGATELIMIT
UCTSiCOMPIETED OPERATIONS AGGREGATE LIMIT
OCCURRENCE LIMIT
ADVERTISING INJURY LIMI T
RETAINED LIMI T
7 FORMSAND ~NDORSEMEId TS (page 1 of 2 )
FORMS AN D ENDORSEMEN TS ATTACHED TC) I THIS POLICY AT INCEPTION :
OF COVERAGE PARTS
IL0017 1198 Common Policy ConditionsXS6U91c ExcessCommercial General Liability PolicyALL5X45 Question~s About Your Insurance? - FL, IL, MO, TNAI.L4Y30A Information and Complaints (TX)DCEi9368f idotifica~tion To Texas Policyholders
SCHEDULiOF ENDORSEMENTS
Th i s declaration and the coverage form(s) and ekndorsemenfs, if any , l i s t e d above and a t t a c h e d , complet es the above
numbered policy .
During the l a s t three years no insurer has canc 4 l l e d i n s u r a n c e i s s u e d t o t h e n a m e d insured sim i l a r t o t h i s i n s u r a n c e ,
u n l e s s o t he r w i s e s t at e d i n t h i s p o li c y .
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Name d Insu re d Racetrac Petroleum, 1 0. Endorseme nt Numbe r(Page s 2 of 2)
P o l icy Symbol Po l i cy Number P o li c y P e r i o d Ef fect ive D a t e of EndorsementXSL 621732850 06/0 /2006 to 06/41/24137 06/01/2006
Is su ed By (Name o f Insuran ce Comp a n y )
ACE American Insurance Company
I n s e r t t h e p o l i c y n u m b e r . The remainder of the information is to wmpfeled only when this endorsement is issued subsequent to the preparation of the policy .
Schedule of Named Insureds
Cancellation By Us
Amendment Of Cancellation Provisions - Notice To AdditionalIntere t(s)
Additional Insured - Managers or Lessors of Premises
Additional Insured - Vendors
Cap on Losses from Certified Acts of TerrorismEmploy~e Benefits Liability Coverage
Loss A4justment Expense Within Limits
MTBE E*clusionPollution Exclusion - Hostile Fire Exception
S ilica ! or Silica-Related Dust Exclus ion
Waiver ~i of Transfer of Rights of Recovery Against Others ToUs
Amendment of Liquor Liability Exclusion
Not3figation of Premium AdjustmentPolicy ].der Di sclosure Notice Of Terrorism InsuranceCoveraWar Li ility ExclusionFlori Changes - Cancellation and Nonrenewal
Georgi Changes - Cancellation and Nonrenewal
Louisiana Changes - Cancellation and Nonrenewal
Texas - Cancellation and Nonrenewal Provisions
XS15777
LD2S57b
LD2S58c
LD2S55c
LD2S89a
16 .
17 .
18 .
19-
20 .
CC- I E I S P t d . I n U .S . A .
SCHEDULE 4)F FORMS AND ENDORSEMENTS
Endt . No .
1 .
2 .
3 .
4 .
5 .
6 .
7 .
B .
9 .
10-
11-
12 .
1 3 .
1 4 .
15 .
Form No .
CC1E15
CC1E15
CC1E15
XS6'W30
XS6W31aXS1 477703
XS6W24A
XS609225a
XS18227
XS6W35
XS1822 4
X554734
Li36X27
AI.I ,iBa 5730
TRIAlla
Description
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POLICY NUMBER: XSL G2'173285Q
IL 0017 11 98
A l l C o v e r a g e P a r t s i n c l u d e d i n t h i s p o l i c y a r o s u b j e c t t o t h e f o l l o w i n g c o n d i t i o n s .
i f y o u d i e , your r i g h t s a n d d u t i e s w i l l b e t r a n s f e r r e d
t o y o u r l e g a l r e p r e s e n t a t i v e b u t o n l y wh i l e a c t i n g
wi t h in the scope of d u t i e s a s y o u r l e g a lr e p r e s e n t a t i v e . U n t i l your legal representat i ve i s
a p p o i n t e d , a n yone hav i ng prop e r t e m p o r a r ycustody o f yo u r p r o p e r t y w i l l h a v e y o u r r i ghts and
du f l e s b u t o n l y w i t h r e s p e c t t o t h a t p r o p e r t y .
IL 0017 1198 C o p y r i g h t , l n s u r a n c e S e r v i c e s O f fi c e , I n c . , 1 9 98 Pang ! of 1
COMMON POLICY CONDITIONS
A. Cancell ation
1 . The first Nam ed ]n e a r e d s h a w l i n t h e
Declarat i ons may cancel this policy b y m a i ling
or delivering to us advance written ! n o t i c e o f
c a n c e l l a t i on .
2. We may cancel this policy by M a i l i n g o r
d e l i v e r i ng t o t h e f i r s t Named Insured w r i t t e n
n o t i c e o f cance l la t i o n a t le a s t :
a . 10 days b e f o r e the effective date of
c a n c e l l a t i o n i f we cancel for n o n p a y m e n t o f
premium ; o r
b . 3 0 d a y s b e f o r e t he e f f e c t i v e , date o f
c a n c e l l a t i o n i f we cancel f o r any other
reason
3. We will ma i l o r d e l i v e r o u r n o t i c e t p t h e f i r s t
Named lnsused's last ma i l i ng address kn o v s r n t o
u s .
4. Not i ce of c a n ce l l at i o n w i l l s t a te t h e e f f ec t i ve
d a t e o f c a n c e l l a t i on _ The pol i cy p e r i o d w i l l e n d
o n t h a t d a t e .
S. I f t h i s p o l i c y i s c a n c e l l e d , we w i l l s e n d t h e f i r s t
Named Insured any premium refund ue _ I f wecancel , t h e r e f u n d w i l l be pro rata . # t h e f i r s t
N a m e d i n u r e d c a n c e l s , the r e f u n m a y be
less than pro rata . The cancellat i o n w i l l be
e f f e c t i v e even i f we have not made o t o f f e r e d a
r e f u n d .
6 . I f n o t i c e i s mai l e d , proof of m a i l i n g w i l l b esuffi c i e n t p r o o f o f n o f i c e _
B. Changes
Th i s po l i c y c o n t a i n s a l l t h e agreements between
you a n d us concerning the i n s u r a n c e ! a f f o r d e d .
The first Named Insured shown i n t h e D c i a r a t i a n s
i s a u t h o r i z e d t o m a k e c h a n g e s i n t h e t e r s o f t h i s
p o l i c y w i t h o u r c o n s e n t . T h i s p ol i cy ' s t o s can b e
a m en d ed or wa i ve d o n l y b y e n d a r s e r r*n t i s s u e dby u s a n d m a d e a pa r t o f t h i s p o l i c y .
C. Exami natio n Of Your Book s And Recak ds
W e m a y e x a m i n e a n d a u d i t y o u r b o o k s a n d
r ecords a s t h ey r e l a t e to t h i s p o l i c y a# a ny t i m e
duri ng t h e p o l i cy per i od and up to th ree years
a f t e r w a r d .
D . Inspecti ons And Surveys
1 . We have the r i g h t t o :
a . Make i n s p e c t i o n s a n d s u r v e y s a t a iry t i m e - ,
b . G i v e y o u r e p o r t s o n t h e c o n d i t i o n s w e f i n d ;
and
c . Re commend c hange s .2 . We a r e n o t obligated to make any i nspections ,
s u r v e y s , r e p o r t s or recommendations and any
such act i ons we do undertake relate only to
i n s u r a b i l i t y a n d t h e p r e m i u m s to be charged .
We do not make safety inspections . Wed o n o tundertake t o p e r f o r m t h e d u t y o f a n y p e r s o n o r
o r g a n i z a t i o n t o p r ov i d e f or t h e h e a l t h o r s a f e t y
o f w o r k e r s o r t h e p u b i i c _ A n d we do not warrant
t h a t c o n d i t i o n s :
a . A r e s a f e o r h e a l t h f u l ; o r
b . Comply with laws, regul ations, codes or
standards .
3. Paragra phs 1 . a n d 2 . o f t h i s c o n d i t i o n a p p l y n o t
o n l y t o u s , b u t a l s o t o a n y r a t i n g , a d v i s o r y , r a t e
servic e or similar organ ization which makes
insurance inspections, surveys, reports or
recommendations .
4. Paragraph 2 . o f t h i s c o n d i t i o n d o e s n o t a p p l y t o
a n y i n s p e c t i o n s , s u r v e y s , r e p o r t s o r
recommendations we may make relative to
c e r t i f i c a t i on , u n d e r s t a t e o r m u n i c i p a l s t a t u t e s ,
o r d i n a n c e s o r r e g u l a t i o n s , o f b o i l e r s , p r e s s u r e
v e s s e l s o r e l e v a t o r s .
E. Pr emiums
The first Named Insured shown in theD e c l a r a t i o n s :
1 . I s r e s p o n s i b l e f o r t h e p a y m e n t o f a l l p r e m i u m s ;
and
2 . W i l l b e t h e p a y e e for any return premium s we
pay .
F. Transfe r O( Your Ri ght s An d Duties Under Thi sP o l i c y
Y o u r r i g h t s a n d d ut i e s u n d e r t h i s po l i c y m a y n o t b e
t r a n s f e r r e d w i t h o u t o u r w r i t t e n c o n s e n t e x c e p t i n
t h e c a s e o f d e a t h o f a n i n d i v i d u a l named insure d .
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R e a d t h e e n t i r e p o l i c y c a r e f u l l y t o d e t e r m i n e r i g h t s , d u t i e s a n dVarious provisions in this policy restrict
h t is and i s not covered
Insuring Ag r e e m e n t .
b .
( 3 ) P r i o r t o t h e p o l i c y p e r i o d , n o i n s r e d l i s t e d u n d e r P a r a g r a p h 1 . o f S e c t i o n 1 1 - W h o I s A n I n s u r e d a n d n o
" e m p l o y e e ' a u t h o r i z e d b y y o u t o g i v e o r r e c e i v e n o t i c e o f a n " o c c u r r e n c e " o r c l a i m , k n e w t h a t t h e " b o d i l y
i n j u r y ' o r " p r o p e r t y d a m a g e " # , a o c c u r r e d , i n w h o l e o r i n p a r t . I f s u c h a l i s t e d i n s u r e d o r a u t h o r i z e d
" e m p l v y e e n k n e w , p r i o r t o t h e p i c y p e r i o d , t h a t t h e " b o d i l y i n j u r y " o r " p r o p e r t y d a m a g e " o c c u r r e d , t h e n
a n y c o n t i n u a t i o n , c h a n g e o r r e s m p t i o n o f s u c h " b o d i l y i n j u r y " o r " p r o p e r t y d a m a g e " d u r i n g o r a f t e r t h e
p o l i c y p e r i o d w i l l b e d e e m e d t o h o v e b e e n k n o w n p r i o r t o t h e p o l i c y p e r i o d .
" B o d i l y i n j u r y " o r " p r o p e r t y d a m a ~ e " w h i c h o c c u r s d u r i n g t h e p o l i c y p e r i o d a n d w a s n o t , p r i o r t o t h e p o l i c y
period, k nown to have occurred by a ny insured lis ted under Paragraph 1 . o f S e c t i o n I I - Who Is An
insured or any 'employee" authorized by you to give or receive notice of an 'occurrence' or claim,
i n c l u d e s a n y c o n t i n u a t i o n , c h a n g ~ o r r e s u m p t i o n o f t h a t " b o d i l y i n j u r y ' o r " p r o p e r t y d a m a g e " a f t e r t h e e n d
o f t h e p o l i c y p e r i o d .
" B o d i l y i n j u r y " o r " p r o p e r t y d a m s e " w i l l b e d e e m e d t o h a v e b e e n k n o w n t o h a v e o c c u r r e d a t t h e e a r l i e s t
time when any insured listed under Paragraph 1 . o f S e c t i o n 1 1 - Who Is An I nsured or any " employee'
a u t h o r i z e d b y y o u t o g i v e o r r e c e i v e n o t i c e o f a n " o c c u r r e n c e o r c l a i m :
( 1 ) R e p o r t s a l l , o r a n y p a r t , o f t h e " b o d i l y i n j u r y " o r " p r o p e r t y d a m a g e " t o u s o r a n y o t h e r i n s u r e r ,
(2) Receives a written or verbal deman d or claim for damages be cause of the "bodily injury" or
"property damage" ; o r
d .
( 3 ) Becomes aware by any other means that bodily injury" or 'property damage" has occurred or has
begun to occur .
XS-6U91c ( 07 / 0 2) R ep r i n t e d i n p a r t wi t h p er m i s s i o n of I n s u r a n c e S e r v i c e s O f f i c e , In c . , 1998 Page 9 of 17
POLICY NUMBER : XSL 621732850
ace usa
Excess Commer cial
G e n e r a l L i a b i l i t y P o l i c y
w a
Throughout this policy the words "you" and "yo ur" refe r to the Named insure d shown in the Declarations, a nd any
o t h e r p e r s o n o r o r g a n i z a t i o n q u a l i f y i n g a s a F a m e d i n s u r e d u n d e r t h i s p o l i c y . Th e w o rd s " we " , "u s " an d " ou r " re f e r to
t h e c o m p a n y p r o v i d i n g t h i s i n s u r a n c e .
T h e w o r d " i n s u r e d " m e a n s a n y p e r s o n o r o r g a n i z a t i o n q u a l i f y i n g a s s u c h u n d e r S E C T I O N 1 1 . WHO IS AN INSURED
Other words and phrases that appear i n q u o t a t i on marks have s p e c i a l meaning . R e f e r to SECTION V. DEFINITION
SECTION I - C OVERAGESCOVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY
a . W e w i l l p a y t h e i n s u r e d f o r t h e " u I t i r r ~ a t e n e t l o s s " i n e x c e s s o f t h e " r e t a i n e d l i m i t ' s h o w n i n t h e D e c l a r a t i o n s
that the insured becomes leg ally Obligated to pay as damages because of "bodil y injury" or "property
damage" to which this insura nce a pl ies : N o o t h e r o b l i g a t i o n o r l i a b i l i t y t o p a y s u m s o r p e r f o r m a c t s o r
servic es is cov ered unl ess expl ici y pro vided fo r under DEFENSE, IN VESTIGATION, SETTLEMENT,LEGAL EXPENSES, AND INTERE TON JUDGMENTS. B u t t h e a m o u n t w e w i l l p a y f o r t h e " u l t i m a t e n e tl o s s " b e c a u s e o f d a m a g e s i s l i m i t e d ~ s d e s c r i b e d i n L I M I T S O F IN SURANCE (SECTION i f s ) .
T h i s i n s u r a n c e a p p l i e s t o " b o d i l y i n j u ~ y " a n d " p r o p e r t y d a m a g e ' o n l y i f :
( 1 ) T h e " b o d i l y y i n j u r y " o r " p r o p e r t y d p m a g e " i s c a u s e d b y a n " o c c u r r e n c e " t h a t t a k e s p l a c e i n t h e " c o v e r a g e
t e r r i t o r y , " ,
( 2 ) T h e "b o d i l y i n j u r y " o f " p r o p e r t y d a m a g e " a c c u r s d u r i n g t h e p o l i c y p e r i o d ; a n d
c .
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e . Damages because of "bodily inju" include damages claimed by any person or organization for care, loss
o f s e r v i c e s o r d e a t h r e s u l t i n g a t a n y t i m e f r o m t h e " b o d i l y i n j u r y " .
2 . Exclus i o n s _
T h i s i n s u r a n c e d o e s n o t a p p l y t o :
a. Expected or intended injury ~" B o d i l y i n j u r y " o r " p r o p e r t y d a m a g e " e x p e c t e d o r i n t e n d e d f r o m t h e s t a n d p o i n t o f t h e i n s u r e d . T h i s e x c l u s i o n
d o e s n o t a p p l y t o " b o d i l y i n j u r y " r e s u t i n g f r o m t h e u s e o f r e a s o n a b l e f o r c e t o p r o t e c t p e r s o n s o r p r o p e r t y .
b . Contractua l L i a b i l i t y .
"Bodily injury" or "property damage for which the insured is obligated to pay damages by reason of the
a s s u m p t i o n o f l i a b i l i t y i n a c o n t r a c t r a g r e e m e n t . Th i s e x c l u s i o n d o e s n o t a p pl y t o l i a b i l i t y f o r d a m a g e s -
( 1 ) T h a t t h e i n s u r e d w o u l d h a v e i n t o e a b s e n c e o f t h e c o n t r a c t o r a g r e e m e n t ; o r
( 2 ) A s s u m e d i n a c o n t r a c t o r a g r e e m e n t t h a t i s a n " i n s u r e d c o n t r a c t " p r o v i d e d t h e " b o d i l y i n j u r y " o r " p r o p e r t y
damage" occurs subsequent to ' kh e e x e c u t i on o f t h e , - c o n t r a c t o r a g r e e m e n t . S o l e l y f o r t h e p u r p o s e s o f
l i a b i l i t y a s s u m e d i n a n " i n s u r e d c o n t r a c t " , r e a s o n a b l e a t t o r n e y f e e s a n d n e c e s s a r y l i t i g a t i o n e x p e n s e s
i n c u r r e d b y o r f o r a p a r t y o t h e r a n a n i n s u r e d a r e d e e m e d t o b e d a m a g e s b e c a u s e o f " b o d i l y i n j u r y " o r
"property damage", provided :
( a ) L i a b i l i t y t o s u c h p a r t y f o r , o r f o r t h e c o s t o f , t h a t p a r t y ' s d e f e n s e h a s a l s o b e e n a s s u m e d i n t h e s a m e
" i n s u r e d c o n t r a c t " , - a n d
( b ) S u c h a t t o r n e y f e e s a n d l i t i g a t i o n e x p e n s e s a r e f o r d e f e n s e o f t h a t p a r t y a g a i n s t a c i v i l o r a l t e r n a t i v e
dispute resolution proceedin in which damages t o wh i c h t h i s i n s u r a n c e a p p l i e s a r e a l l e g e d .
c . L i q u o r L i a b i l i t y .
B o d i l y i n j u r y" o r " p r o p e r t y d a m a g e " f o r w h i c h a n y i n s u r e d m a y b e h e l d l i a b l e b y r e a s o n o f
( 1 ) C a u s i n g o r c o n t r i b u t i n g t o t h e i n t o x i c a t i o n o f a n y p e r s o n ;
( 2 ) T h e f u r n i s h i n g o f a l c o h o l i c b e v e r a g e s t o a p e r s o n u n d e r t h e l e g a l d r i n k i n g a g e o r u n d e r t he influenc e
o f a l c o h o l ; o r
(3 ) A n y s t a t u t e , o r d i n a n c e o r r e g u l a t i o n r e l a t i n g t o t h e s a l e , g i f t , d i s t r i b u t i o n o r u s e o f a l c o h o l i c
beverages .
T h i s e x c l u s i o n a p p l i e s o n l y i f y o u a r e i n t h e b u s i n e s s o f m a n u f a c t u r i n g , d i s t r i b u t i n g , s e l l i n g , s e r v i n g o r
f u r n i s h i n g a l c o h o l i c b e v e r a g e s .
d . Wo r k e r s C o m p e n s a t ion and Simi l a r L a w s .An y obligation of the insured finder a workers compensation, disability benefits or unemployment
c o m p e n s a t i o n l a w o r a n y s i m i l a r h a w .
e . Employe r s L i a b i l i t y .
" B o d i l y i n j u r y " t o
(1 ) An "emp loyee " o f t h e i n s u r e d a r i s i n g o u t o f a n d i n t h e c o u r s e o f
( a ) Employm ent by the fisur led ; o r
( b ) P e r f o r m i n g d u t i e s r e l a t e d t o t h e c o n d u c t o f t h e i n s u r e d ' s b u s i n e s s ;
(2) The spo use , ch i l d , parent , b r o t h e r o r s i s t e r o f t h a t " employee" as a consequence of ( 1 ) above .
T h i s e x c l u s i o n a p p l i e s :
( 1 ) Whether the i nsured may be ~ I i ab l e as an employer o r i n a n y o t h e r capacity; a n d
(2) To any obligation to share damages with or repay someone else who must pay damages because of
t h e i n j u r y .
U
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f . Pollution .
l o s s , l i a b i l i t y o r l e g a l o b l i g a t i o n a r i s i n g o u t o f o r i n a n y w a y r e l a t e d t o
g . A i r c r a f t , Auto or Watercraft .
j . Damage to Property .
" P r o p e r t y d a m a g e " t o :
Property you own, rent or occupy, including any costs or expenses incurred by you, or any other
p e r s o n , o r g a n i z a t i o n o r e n t i t y , f o r r e p a i r , r e p l a c e m e n t , e n h a n c e m e n t , r e s t o r a t i o n o r m a i n t e n a n c e o f
such property for any reason, including pre vention of injury to a person or damage to another's
p r o p e r t y ,
P r e m i s e s y o u s e l l , g i v e a w a ~ o r a b a n d o n , i f t h e " p r o p e r t y d a m a g e " a r i s e s o u t o f a n y p a r t o f t h o s e
premises ;
P r o p e r t y l o a n e d t o y o u ;
P e r s o n a l p r o p e r t y i n t h e c a r d , c u s t o d y o r c o n t r o l o f t h e i n s u r e d ;
( 1 )
(2)
( 3 )
( 4 )
X S -6 U 9 1 c ( 0 7 / 0 2 ) Re p r i n t e d i n p a r t w i g + i p e r m i s s i o n o f I n s u r a n c e S e r v i c e s O f f i c e , I n c . , 1998 Page3 o f 1 7
T h i s e x c l u s i o n d o e s n o t a p p l y # o l i a b i l i t y a s s u m e d b y t h e i n s u r e d u n d e r a n " i n s u r e d c o n t r a c t " .
Any injury, damage, expense,
" p o l l u t i o n " , h o w e v e r c a u s e d .
" B o d i l y i n j u r y " o r " p r o p e r t y d a a g e " a r i s i n g o u t o f t h e o w n e r s h i p , m a i n t e n a n c e , u s e o r e n t r u s t m e n t t o
o t h e r s o f a n y a i r c r a f t , " a u t o " o r a t e r c r a f t o w n e d o r o p e r a t e d b y o r r e n t e d o r l o a n e d t o a n y i n s u r e d . Use
i n c l u d e s o p e r a t i o n a n d " l o a d i n g o r u n l o a d i n g " .
T h i s e x c l u s i o n a p p l i e s e v e n i f t h e c l a i m s a g a i n s t a n y i n s u r e d a l l e g e n e g l i g e n c e o r o t h e r w r o n g d o i n g i n
t h e s u p e r v i s i o n , h i r i n g , e m p l o y m e n t , t r a i n i n g o r m o n i t o r i n g o f o t h e r s b y t h a t i n s u r e d , i f t h e " o c c u r r e n c e "
which caused the "bodil y injur~" or 'property dam age" invo lved the ownership, mainte nance, us e or
e n t r u s t m e n t t o o t h e r s o f a n y a i r c r a f t , " a u t o " o r w a t e r c r a f t t h a t i s o w n e d o r o p e r a t e d b y o r r e n t e d o r
l o a n e d t o a n y i n s u r e d .
T h i s e x c l u s i o n d o e s n o t a p p l y t o :
(1 ) A w a t e r c r a f t w h i l e a s h o r e o n p r e m i s e s y o u o w n o r r e n t ;
( 2 ) A w a t e r c r a f t y o u d o n o t o w n l t h a t i s '
(a) Less than 51 f e e t l o n g ; $ n d
( b ) N o t b e i n g u s e d t o c a r r y p e r s o n s o r p r o p e r t y f o r a c h a r g e ;
(3 ) Park i n g a n " a u t o " o n , o r o n the ways next to, prem i ses you own o r r e nt , p r ov i d e d t h e " a u t o " i s n o t
owned by or r e n t e d o r loaned t o y o u o r t h e i n s u r e d ;
(4 ) L ia bi li ty assumed under an j " i n s u r e d c o n t r a c t ' f o r t h e o w n e r s h i p , maintenance or use o f a i r c r a f t o r
w a t e r c r a f t ; o r
( 5 ) " B o d i l y i n j u r y " o r " p r o p e r t y k l a m a g e" a r i s i n g o u t o f t h e o p e r a t i o n o f a n y o f t h e e q u i p m e n t l i s t e d i n
paragraph f.(2) or f . ( 3 ) o f t h e d e f i n i t i o n o f " m o b i l e e q u i p m e n t " .
h . Mobi l e Eq u i p m e n t . .
" B o d i l y i n j u r y " o r " p r o p e r t y d a m * " a r i s i n g o u t o f :
1 1 ) T h e t r a n s p o r t a t i o n o f " m o b i l e e q u i p m e n t ' b y a n " a u t o " o w n e d o r o p e r a t e d b y o r r e n t e d o r l o a n e d t o
any insured ; o r
( 2 ) T h e u s e o f "m o b i l e e g u i p m e ~ Y ' i n , o r w h i l e i n p r a c t i c e f o r , o r w h i l e b e i n g p r e p a r e d f o r , a p r e a r r a n g e d
r a c i n g , s p e e d o r d e m o l i t i o n c o n t e s t o r i n a n y s t u n t i n g a c t i v i t y .
i. War.
" B o d i l y i n j u r y " o r " p r o p e r t y d a m a g e " d u e t o w a r , w h e t h e r o r n o t d e c l a r e d , o r a n y a c t o r c o n d i t i o n i n c i d e n t
t o w a r . W a r i n c l u d e s c i v i l w a r , i s u r r e c t i o n , r e b e l l i o n o r r e v o l u t i o n . T h i s e x c l u s i o n a p p l i e s o n l y t o l i a b i l i t y
assumed under a con t ract or ag emenL
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that must be restored, repai red or replaced be cause "your woriC~(6) That p ar ti cu la r p ar t o f a n y popw a s i n c o r r e c t l y p e r f o r m e d o i t .
Paragraphs (1), (3) and (4) of is exclusion do not apply to " property da mage" (other than damage by
fire) to premise s, includin g the contents of suc h premises, rented to you for a peri od of 7 or fewer
consecutive days. A separate I it o# insurance app lies to Damage To Premises Rented To You as
d e s c r i b e d i n S e c t i o n I I I -LIMITS F INSURANCE
Paragraph ( 2 ) o f t h i s e x c l u s i o n d o e s n o t ap p l y i f t h e p r e m i s e s a r e " your work" and were nev e r occupied ,
r e n te d o r h e l d f o r r e nt a l by you .
paragraphs (3 ) , ( 4 ) , 1 3) and (6 ) o f t h i s e x c l u s i o n d o n o t a p p l y t o l i a b i lity assumed under a sidetrack
agreement .
P a r a g r a p h ( 6 ) o f t h i s e x c l u s i o n d o e s n o t a p p t y t o " p r o p e r t y d a m a g e " i n c l u d e d i n t h e " p r o d u c t s - c o m p l e t ed
operation s hazard" .
p . As b e s t o s .
Any los s , demand , c l a i m o r " s u i t ` ' a r i s i n g o u t o f o r r e l a t e d i n a n y w a y t o a s b e s t o s o r asbestos - c o n f i a i n i n g
m a t e r i a l s .
`
XS-6U99c ( 0 7 / 0 2 ) R e p r i n t e d - i n p a r t w i t h p e r m i s s i o n o f I n s u r a n c e S e r v i c e s O f f i ce , I n c . , 1998 Page 4 of 1 7
( 5 ) T h a t p a r t i c u l a r p a r t o f r e a l
d i r e c t l y o r i n d i r e c t l y o n y o u r
t h o s e o p e r a t i o n s ; o r
ty on which you or any contr actors or subc ontractors working
a r e p e r f o r m i n g o p e r a t i o n s , i f t h e " p r o p e r t y d a m a g e " a r i s e s o u t o f
k . Damage to Your Product
" P r o p e r t y d a m a g e " t o " y o u r p r o d u c t " a r i s i n g o u t o f i t o r a n y p a r t o f i t .
1 . Damage to Your Work .
"Property damage" to "your work" arising out of it or any part of it and included in the "products-
completed operations hazard" .
This excl usion d oes not apply i f the damaged work o r the work ou t of which the damag e arise s was
p e r f o r m e d o n y o u r b e h a l f b y a s u b c o n t r a c t o r .
m. Damage to impaired Property or Property Not Physically Injured .. . -" P r o p e r t y d a m a g e " t o " i m p a i r e d p r o p e r t y " o r p r o p e r t y t h a t h a s n o t b e e n p h y s i c a l l y i n j u r e d , a r i s i n g o u t a f -
( 1 ) A d e f e c t , d e f i c i e n c y , i n a d e q u a c y o r d a n g e r o u s c o n d i t i o n i n " y o u r p r o d u c t " o r " y o u r w o r k " ; o r
(2) A delay or failur e by you or anyone acting on yo ur behalf to perform a contract or agre ement in
a c c o r d a n c e w i t h i t s t e r m s .
T h i s e x c l u s i o n d o e s n o t a p p l y t o t h e l o s s o f u s e o f o t h e r p r o p e r t y a r i s i n g o u t o f s u d d e n a n d a c c i d e n t a l
physica l i n j u r y t o " y o u r p r o d u c t " o r " y o u r w o r k " a f t e r i t h a s b e e n p u t t o i t s i n t e n d e d u s e .
n . Recall of Product s , Work or l n i paired Property .
D a m a g e s c l a i m e d f o r a n y l o s s , c o s t o r e x p e n s e i n c u r r e d b y y o u o r o t h e r s f o r t h e l o s s o f u s e , w i t h d r a w a l ,
r e c a l l , i n s p e c t i o n , r e p a i r , r e p l a c e r n e n t , a d j u s t m e n t , r e m o v a l o r d i s p o s a l o f
( 1 ) " Y o u r p r o d u c t ";
(2) "Your work" ; o r
( 3 ) " I m p a i r e d p r o p e r t y " ;
i f s u c h p r o d u c t , w o r k , o r p r o p e r t y i s w i t h d r a w n o r r e c a l l e d f r o m t h e m a r k e t o r f r o m u s e b y a n y p e r s o n o r
o r g a n i z a t i o n b e c a u s e o f a k n o w n o r s u s p e c t e d d e f e c t , d e f i c i e n c y , i n a d e q u a c y o r d a n g e r o u s c o n d i t i o n i n
i t .
o . Personal And Advertising Injury
" B o d i l y i n j u r y " a r i s i n g o u t o f " p e r s o n a l a n d a d v e r t i s i n g i n j u r y ' .
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l o s s , l i a b i l i t y o r l e g a l o b l i g a t i o n a r i s i n g o u t o f o r a l l e g e d l y a r i s i n g o u t
t o x i c p r o p e r t i e s o f l e a d o r l e a d - c o n t a i n i n g p r o d u c t s , m a t e r i a l s o r
(1 ) A p e r s o n a r i s i n g o u t o f a n y :
( a ) R e f u s a l t o e m p l o y t h a t I
(1 ) W i t h r e s p e c t t o w h i c h a n i n s q r e d u n d e r t h e p o l i c y i s a l s o a n i n s u r e d u n d e r a n u c l e a r e n e r g y l i a b i l i t y
policy issue d by Nuclear Energy Liability Ins urance Association, Mutual Atomic Energy Liability
U n d e r w r i t e r s , N u c l e a r i n s U r a c e A s s o c i a t i o n o f C a n a d a , o r a n y o f t h e i r s u c c e s s o r s , o r w o u l d b e a n
i n s u r e d u n d e r a n y s u c h p o 1 i c b u t f o r i t s t e r m i n a t i o n u p o n e x h a u s t i o n o f i t s l i m i t o f l i a b i l i t y ; or
( 2 ) R e s u l t i n g f r o m t h e " h a z a fdou$ propert i e s " o f " n u c le a r m a t e r ia l " a n d w i t h r e s p e c t t o w h i ch :
( c ) Th e " b o d i l y i n j u r y " o r " p r. ~ e r t y d a m a g e " a r i s e s o u t o f t h e f u r n i s h i n g b y a n i n s u r e d o f s e r v i c e s ,
materials, parts or equi ment ire connecti on with the planning, construction, maintenance,
o p e r a t i o n o r u s e o f a n y " u c l e a r f a c i l i t y " , b u t i f s u c h f a c i l i t y i s l o c a t e d w i t h i n t h e U n i t e d S t a t e s o f
A m e r i c a , i t s t e r r i t o r i e s o r p o s s e s s i o n s , t h i s e x c l u s i o n ( 3 ) ( c ) a p p l i e s o n l y t o " p r o p e r t y d a m a g e " # o
s u c h " n u c l e a r f a c i l i t y " a n d a n y p r o p e r t y t h e r e a t .
( b ) "Nuclear material" means m a t e r i a l " , " s p e c i a l n u c l e a r m a t e r i a l " , o r " b y - p r o d u c t m a t e r i a l " ;-
~ (c) "Source m a t e r i a l " , " s p e c i a ~ n u c l e a r m a t e r i a l , and " b y - p r o d u c t m a t e r i a l " have the meanings g i ven
them i n the Atomic Enesg Act of 1954 or in any law ame ndatory thereof ;
X S -6 U 9 1 c ( 0 7 1 0 2 ) R e p r i n t e d i n p a r t w i t h p e r m i s s i o n o f I n s u r a n c e S e r v i c e s O f f i c e , I n c . , 1998 Page 5 o f 1 7
q. Lead .
An y inju ry, damage, expense ,of or in any way r e l a t e d t o
substances .
r. Employment Related Pra
"Bo d i l y i n j u r y , " t o :
( b ) T e r m i n a t i o n o f t h a t p e r s o n ' s e m p l o y m e n t - , o r
(c) Employm ent-rela ted p ra ct ic es , p o li c i e s , ac ts o r om is si on s , such as coercion, demotion,
evaluation, reassignment , d i s c i p l i n e , defamation, harassmen t, humil i a t i o n o r d i s c r i m i n a t i o n
d i r e c t e d a t t h a t person ; o r
( 2 ) The s po u se , c h i l d , parent , b r o t h e r o r s i s t e r o f t h a t p e r s o n a s a c o n s e q u e n c e o f " b o d i l y i n j u r y " t o t h a t
pers on at whom any of the employment-related practices described in paragraphs ( a ) , ( b ) o r ( c )
above i s d i r e c t e d .
T h i s e x c l u s i o n a p p l i e s :
( 1 ) W h e t h e r t h e i n s u r e d m a y b e l i a b l e a s a n e m p l o y e r o r i n a n y o t h e r c a p a c i t y ; a n d
( 2 ) T o a n y o b l i g a t i o n t o s h a r e d a I r r i a g e s w i t h o r r e p a y s o m e o n e e l s e w h o m u s t p a y d a m a g e s b e c a u s e o f
t h e i n j u r y .
s . Nuclear Energy .
" B o d i l y i n j u r y " o r " p r o p e r t y d a m a g e " :
( a ) a ny person or vrganizat i b n i s r e q u i r ed t o mainta i n f i na n c i a l p r o t e c t i o n pursua nt to the Atom i c
E n e r g y A c t o f 1 9 5 4 , o r any l aw amendatory t h e r e o f - , o r
( b ) t he i n s u r e d i s , o r ha d t h i s p o l i c y n o t b e e n i ssued would be, ent i t l e d t o i ndemnity from t h e U n i t e d
States of America, or arty agency thereof, under any agreement entered i n t o by the United
S t a t e s o f A m e r i c a , o r a n y a g e n c y t h e r e o f , w i t h any person or o r g a n i z a t i o n .
( 3 ) R e s u l t i n g f r o m t h e " h a z a r d o u $ p r o p e r t i e s " o f " n u c l e a r m a t e r i a l " , i t
( a ) T h e " n u c i e a f m a t e r i a l " (1 i s a t a n y " n u c l e a r f a c i l i t y " o w n e d b y , o p e r a t e d b y o r o n b e h a l f o f , a n
i n s u r e d , o r ( 2 ) h a s b e e n i s c h a r g e d o r d i s p e r s e d t h e r e f r o m ;
( b ) T h e " n u c l e a r m a t e r i a l " i s c o n t a i n e d i n s p e n t f u e l o r w a s t e a t a n y t i m e d i s p o s e d , h a n d l e d , u s e d ,
p r o c e s s e d , s t o r e d , t r a n s po r t e d o r d i s p o s e d o f , b y o r o n b e h a l f o f a n i n s u r e d ; or
( 4 ) As use d i n t h i s e x c l u s i o n :
( a) "Hazardous prope rt i e s " d e r a d i o a c t i v e , t o x i c , o r e x p l o s i v e p r o p e r t i e s ;
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1 . Insuring Agreement
a . We w i l l p a y t h e i nsu r e d f o r ID e c l a r a t i o n s t h a t t h e i n s u r e d k
a d v e r t i s i ng i n j u r y ' t o w h i c h t h i s
a c t s o r s e r v i c e s i s covered
SETTLEMENT ; LEGAL EXPEtt h e " u l t i m a t e net loss" becau
INSURANCE_
"ultimat e net loss" in excess of t he "retained limit' shown in the
)rnes legally obligated to pay as damages because of "personal and
u r a n c e a p p l i e s , N o o t h e r o b l i g a t i o n o r l i a b i l i t y t o p a y s u m s o r p e r f o r m
less expl icit ly prov ided for unde r DEFENSE, INVESTIGATION,
S AND IN TEREST ON JUDGMENTS_ But the amoun t we will pa y fo rof dama ges is lim ited as de scrib ed in SECTION I I I LIMI TS OF
T h i s i n s u r a n c e d o e s n o t a p p l y t o :
Knowi ng Violation Of Rights Q~ Another" P e r s o n a l a n d a d v e r t i s i n g i n j u r y " c a u s e d b y o r a t t h e d i r e c t i o n o f t h e i n s u r e d w i t h t h e k n o w l e d g e t h a t t h e
a c t w o u l d v i o l a t e t h e r i g h t s o f a n ~ t h e r a n d w o u l d i n f l i c t " p e r s o n a l a n d a d v e r t i s i n g i n j u r y " .
Ma t e r i a l P u b l i shed With Kno w*dge Of Falsity" R e r s o n a l a n d a d v e r t i s i n g i n j u r y ' a r i s i n g o u t o f o r a l o r w r i t t e n . p u b l i c a t i o n o f m a t e r i a l , i f d o n e b y o r a t t h e
d i r e c t i o n o f t h e i n s u r e d w i t h k n o e d g e o f i t s f a l s i t y .
b .
XS-6U91c ( 0 7 / 0 2 ) R e p r i n t e d i n p a r t w i t h p e r m i s s i o n o f I n s u r a n c e S e r v i c e s O f f i c e , I n c . , 1998 P a g e 6 o f 1 7
( d ) " S p e n t f u s s " m e a n s a n y f u e l e l e m e n t o r f u e l c o m p o n e n t , s o l i d o r l i q u i d , w h i c h h a s b e e n u s e d o r
e x p o s e d t o r a d i a t i o n i n n ~ c # e a r r e a c t o r " ;
( e ) ' W a s t e " m e a n s a n y w a #e m a t e r i a l ( 1 ) c o n t a i n i n g " b y - p r o d u c t m a t e r i a l " o t h e r t h a n t h e t a i l i n g s o r
extraction or concentrat ion of uranium or thorium from any or( wastes produced by t e
p r i m a r i l y f o r ' " s o u r c e m a t e r i a l " c o n t e n t , a n d ( 2 ) r e s u l t i n g f r o m t h e o p e r a t i o n b y a n y
p e r s o n o r o r g a n i z a t i o n o f a n y n u c l e a r f a c i l i t y i n c l u d e d u n d e r t h e f i r s t t w o p a r a g r a p h s o f t h e
d e f i n i t i o n o f n u c l e a r f a c i t y ;
( f ) " N u c l e a r f a c i l i t y "
( 1 ) Any "nucle ar
( 2 ) Any equ i pment or device designed or used for (a ) separating t h e i s o t o p e s o f u r a n i um or
p l u t o n i u m , ( b ) p r o c es s i n g o r u t i l i z i n g " s p e n t f u e l " , o r ( c ) h a n d l i n g , p r o c e s s i n g or packag i ng
"wa s t e " ;
( 3 ) Any eq u i pment or device us ed for the process i n g , f a b r i c a t i ng or a l loyin g o f " s p e c i a l nuclear
m a t e r i al " if a t a n y t i m e t h e t o t a l a m o u n t o f s u c h m a t e r i a l i n t h e c u s t o d y o f t h e i n s u r e d a t t h e
premises where su ch equ i p m e n t o r d e v i c e i s l o c a t e d c o n s i s t s o f o r contains mo re than 25
grams of pluton i um pr urani um 233 o r any combination thereof , or more than 250 grams of
u r a n i um235 ;(4) Any structure, basin, excavation, premises, or place prepared or used for the storage or
d i s p o s a l o f "w a s t e " ; a n d
( 5) T h e s i t e o n w h i c h a n y o f t h e f o r e g o i n g i s l o c a t e d , a l l o p e r a t i o n s c o n d u c t e d o n s u c h s i t e a n d
a l l p r e m i s e s u s e d f o f s u c h o p e r a t i o n s .
( g ) " N uclear reactor" mean any apparatus designed or used to sustain nuclear fission in a self-
s u p p o r t i n g c h a i n r e a c t i o o r t o c o n t a i n a c r i t i c a l m a s s o f f i s s i o n a b l e m a t e r i a l - ,
( h ) " P r o p e r t y d a m a g e " i n c l u d e s 2 1 # f o r m s . o f r a d i o a c t i v e c o n t a m i n a t i o n o f p r o p e r t y .
Exclusi ons c . t h r o u g h n . do not ap ly to damage by fire to premises w hi l e r e n t e d t o y o u o r t e m p o r a r i l y
o c c upied by you with permission o the owner . A s e p a r a t e l i m i t o f i n s u r a n c e a p p l i e s t o t his coverage a
described in SECTION III . LI MITS O INSURANCE ~ -
COVERAGE B. PERSONAL AND ADVERTISING INJURY LIABI LITY
b. This insurance applies to "pe4nal and advertising injury" caused by an offense arising out of yourb u s i n e s s b u t o n l y i f t h e o # F e n s e , 0 a s c o m m i t t e d i n t h e " c o v e r a g e t e r r i t o r y " d u r i n g t h e p o l i c y p e r i o d .
2 . Exclus i on s .
a _
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a r i s i n g o u t o f a c r i m i n a l a c t c o m m i t t e d b y o r a t t h e d i r e c t i o n o f the
e . Contractu al Liability
" Persona l a n d a d v e r t i s i n g i n j u r y i p r i s i n g o u t o f a n y i n j u r y , damage , expense , cost , l o s s , l i a b i l i t y o r l e g a l
o b l i g a t i o n a r i s i n g o u t o f o r i n a n y *a y r e l a t e d t o " p o l l u t i o n " , however caus ed ;
i
XS-6U91c (07/02) R e p r i n t e d i n p a r t w i th perm i ss i o n o f I n s u r a n c e S e r v i c e s O f f i c e , I n c . , 1 9 9 8 Page 7 of 17
c . Mater i a l P u b l i she d Prior To
"Personal and advertising injur
p u b l i c a t i o n t o o k p l a c e b e f o r e t h e
d . Criminal Acts
" p e r s o n a l a n d a d v e r t i s i n g i n j
i n s u r e d .
Period
a r i s i n g o u t o f o r a l o r w r i t t e n p u b l i c a t i o n o f m a t e r i a l w h o s e f i r s t
g i n n i n g o f t h e p o l i c y p e r i o d .
"Personal and advert i s i ng i n j u r y " o r wh i c h t h e i n s u r e d h a s a s s u m e d l i a b i l i t y i n a contract or agreement .T h i s e x c l u s i o n d o e s n o t a p p l y t o l i a b i l i t y for dama ges that the insured would have in the absenc e o f t h e
contract or agreement .
f. Brea ch Of Contr act
'Personal and a d v e r ti s i n g i n j u r y " a r i s i n g o u t o f a b r e a c h o f c o n t r a c t , except an i m p l i e d c o n t r a c t t o u s e
anothe r 's a d v e r t i s i n g i d e a i n y o u r i " a d v e r t i s e m e n r .
g . Quality Or P e r f o r m a n c e Of Goods - Failure To Conform To Statement s
"Personal a n d a d v e r t i s i n g i n ju r y" a r is in g o u t o f t h e f a i l u r e o f g o o d s , p r o d u c t s o r s e r v i c e s t o c o n f o r m w i t h
a n y s t a t e m e n t o f q u a l i t y o r pe r f o t r t r~ance made in your "advertisement .
h . Wr o ng D e s c r i p t i o n O f P r i c e s" P e r s o n a l a n d a d v e r t i s i n g i n j u r y " a r i s i n g o u t o f t h e w r o n g d e s c r i p t i o n o f t h e p r i c e o f g o o d s , p r o d u c t s o r
s e r v i c e s s t a t e d i n y o u r ' a d v e r t i s e m e n t " .
i . Infringeme nt Of Copyright , P a t e n t , Trademar k Or Trade Se cr e t
'Personal and advert i s i n g i n j u r y " ' a r i s i n g o u t o f t h e i n f r i n g e m e n t o f c o p y r i g h t , p a t e n t , t r a d e m a r k, t r a d e
s e c r e t o r o t h e r i n t e l l e c t u a l prop" r i g h t s .
However, t h i s e x c l u s i o n does n o t ~ ap p l y t o i n f r i n g e m e n t , i n y o u r " a d v e r t i s e m e n t " , o f c o p y r i g h t , t r a d e d r e s s
o r s l o g a n _
j . Insureds In Media And Internet Type Business
" P e r s o n a l a n d a d v e r t i s i n g i n j u r y ' g o m m i t t e d b y a n i n s u r e d w h o s e b u s i n e s s i s :
(1) A d v e r t i s i n g , b r o a d c a s t i n g , p u b l i s h i n g o r t e l e c a s t i n g ;
( Z ) D e s i g n i n g o r d e t e r m i n i n g c o n d e n t o f w e b - s i t e s f o r o t h e r s ; an d
( 3 ) A n I n t e r n e t s e a r c h , a c c e s s , c o n t e n t o r s e r v i c e p r o v i d e r .
H o w e v e r , t h i s e x c l u s i o n d o e s I n o t a p p l y t o - P a r a g r a p h s 1 4 a ., b . , a n d c . o f " p e r s o n a l a n d a d v e r t i s i n g
i n j u r y " u n d e r t h e D e f i n i t i o n s S e c t i o n .
F o r t h e p u r p o s e s o f t h i s e x c l u s i o n , t h e p l a c i n g o f f r a m e s , b o r d e r s o r i n k s , o r a d v e r t i s i n g , f o r y o u o r
o t h e r s a n y w h e r e o n t h e I n t e r n e t , i s n o t b y i t s e l f , c o n s i d e r e d t h e b u s i n e s s o f a d v e r t i s i n g , b r o a d c a s t i n g ,
p u b l i s h i n g o r t e l e c a s # i n g _
k . Electronic Chatrooms Or Buileon Boa rds
" P e r s o n a l a n d a d v e r t i s i n g i n j u r y " p r i s i n g o u t o f a n e l e c t r o n i c c h a t r o o m o r b u l l e t i n b o a r d t h e i n s u r e d h o s t s ,
o w n s , o r o v e r w h i c h t h e i n s u r e d e x e r c i s e s c o n t r o l .
1 . Unautho r i z e d Use Of Ano the r's Name Or P r o d u c t" P e r s o n a l a n d a d v e r t i s i n g i n j u r y " a r i s i n g o u t o f t h e u n a u t h o r i z e d u s e o f a n o t h e r ' s n a m e o r p r o d u c t i n y o u r
e-mail address, doma in name at metatag, or any other similar tactics to mislead another's potential
customers .
m. P o l l u t i on
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n . Asbest os
" P e r s o n a l a n d a d v e r t i s i n g i n j u r y ' r i s i n g o u t o f a n y l o s s , d e m a n d , c l a i m , o r " s u i t " a r i s i n g o u t o f o r r e 3 a t e d
i n a n y w a y t o a s b e s t o s o r a s b e s t s - c o n t a i n i n g m a t e r i a l s ; o r
o . Employme n t -Re lat ed 'j" p e r s o n a l a n d a d v e r t i s i n g i n j u r y " o a p e r s o n a r i s i n g o u t o f any :
( a )
( i ) Refusal to employ that erson ;
( i i ) T e r m i n a t i o n o f t h a t h e r n ' s e m p l o y m e n t - , o r
( i i i ) Employm ent-relat ed p ~actices, polici es, acts or omissions, such as coerc i on , demotion,
evaluat i on , reassignmon t , d i s c i p l i n e , d e f a m a t i o n , harassm ent, h u m i l i a t i o n o f d i s c r i m i n a t i o nd i r e c t e d a t t h a t p e r s o n ; o r
( b ) To the spou se , c h i l d , pare n k , b r o t h e r o r s i s t e r o f t h a t person as a consequence o f " p e r s o n a l i n j u r y "
to that person at whom a ny o f t h e e m p l o y m e n t r e l a t e d p r a c t i ces described i n paragraphs ( i ) , ( i i ) or
( i i i ) a b o v e i s d i r e c t e d .
T h i s e x c l u s i o n a p p l i e s :
( a ) W h e t h e r t h e i n s u r e d m a y b e l i a b l e a s a n e m p l o y e r o r i n a n y o t h e r c a p a c i t y - , a n d
(b) To any obl igation to share damages with or repay someone else who must pay damages
b e c a u s e o f t h e i n j u r y .
DEFENSE, I NVESTIGATION, SETTLEMENT, LEGAL EXPENSES, AND INTEREST ON JUDGMENTS
1 . Defense, Investigation, Ssttlernent, Legal Expenses, and Prejudgment Interest
T h i s i n s u r a n c e d o e s n o t a p p l y t o d e f e n s e , i n v e s t i g a t i o n , s e t t l e m e n t o r l e g a l e x p e n s e s , o r p r e j u d g m e n t
i n t e r e s t a r i s i n g o u t o f a n y " o c c u r ~ e n c e o r o f f e n s e , b u t w e s h a l l h a v e t h e r i g h t a n d o p p o r t u n i t y t o a s s u m e
from the insured the defense a control of any claim or "suit", including any appeal from a judgme~
seeking pa yment of damage s c vered under this policy that we believe like ly to exceed the "retaine
l i m i t " . I n s u c h e v e n t w e a n d t h e s u r e d s h a l l c o o p e r a t e f u l l y .
2 . I n t e re s t o n Judgmen ts
We shall pay interest o n l y on t h a t a m ou n t o f a ny j ud g m e nt we pay that accrues after entry of the
judgment and be fore we have po i d , o f f e r e d t o p a y , o r d e p o si t ed i n c o u r t t ha t p a r t o f th e j udgment that is
w i t h i n t h e a p p l i c a b l e l imi t o f i n s u tan ce shown i n t h e D e c l a r a t i o n s .
SECTION 11-WHO IS AN INSURED
1 . I f you are designated i n t h e D e c l p r a t i a n s a s :
a. An i nd iv i d u a l , y o u a n d y o u r ~ p o u s e a r e i n s u r e d s , b u t o n l y w i t h respect t o the conduct of a business
of which you a r e the sole o wher .
b . A partnersh i p o r j o i n t y e n # u r ~ , y o u a r e a n i n s u r e d . ~(flu r members, your partners, and t h e i r spoeases
a r e a l s o i n s u r e d s , b i t o r ~ 1only , ~ t h r e s p e c t t o t h e c o n d u c t o f y o u r b u s i n e s s .
c . A lim i t e d l i a b i l i t y c o m p a n y , you are an insured . Your members are also i nsureds, but only w i t h
r e s p e c t t o t h e c o n d u c t o f y ou r b u s i ness . Your managers are i nsure d s , b u t o n l y w i t h r e s p e c t t o t h e i r
d u t i e s as your ma n agers _
d . An organizati on other than p a r t n e r s h i p o r j o i n t v e n t u r e o r l i m i t e d l ia b i l i t y company, you are an
i nsured . Y o u r " e x e c u t i ve a ere" and directors are insureds, b u t o n l y w i t h r es pe c t to th ei r d u t i e s as
your o f f i c e r s o r d i r e c t o r s . Your s t o c k h o l d e r s a r e a l s o i n s u r e d s , b u t o n l y w M r e s p e c t t o t h e i r l i a b i l i t ya s s t o c k h o l d e r s . I
e . A t r u s t , y o u a r e a n i n s u r e d . Y o u r t ru s t e e s a r e a l s o i n s u r e d , b u t o n l y w i t h r e s p e c t t o t h e ir d u t i e s at r u s t e e s .
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a. Your "employe es " , o t h e r t h n e i t h e r your " execut i v e o f f i c e r s " , ( if y o u ar e an o r g a n i z a t i o n o t h er t h a n a
p a r t n e r s h i p , j o i n t v e n t u r e a l i m i t e d l i a b i l i t y c o m p a n y ) o r y o u r m a n a g e r s ( i f y o u a r e a l i m i t e d l iab i l i t y
company) , b u t o n l y f o r a c t w i t h i n t h e s c o p e o f t h e i r employment by you or while p e r f o r m i n g d u t i e s
r e l a t e d t o t h e c o n d u c t o f y a r b u s i ness . However , none of these "employees," i s a n i n s u r e d f o r .
( 1 ) " B o d i l y i n ju r y " o r " p e r s o n a l a n d a d v e r t i s i ng i n j u r y " :
b . "Property dama ge" to proper ty owned by, rented to, in the charge of or occup ied by you or the
e m p l o y e r o f a n y p e r s o n w h o i s a n i n s u r e d u n d e r t h i s p r o v i s i o n .
4 . A n y o r g a n i z a t i o n y o u n e w l y ~ 3 u i r e o r f o r m , o t h e r t h a n a p a r t n e r s h i p , j o i n t v e n t u r e o r l i m i t e d l i a b i l i t y
c o m p a n y , a n d o v e r w h i c h y o u r r ~ a i n t a i n o w n e r s h i p o r m a j o r i t y i n t e r e s t , w i l l q u a l i f y a s a N a m e d I n s u r e d i f
t h e r e i s n o o t h e r s i m i l a r i n s u r a n t { e a v a i l a b l e t o t h a t o r g a n i z a t i o n . However :
a . Coverage under this provision is a fforded onl y until the 180th day after yo u acquire or f orm the
o r g a n i z a t i o n o r t h e e n d o f t h e p o l i c y p e r i o d , w h i c h e v e r i s e a r l i e r ,
b . C o v e r a g e A d o e s n o t a p p l y t b " b o d i l y i n j u r y " o r " p r o p e r t y d a m a g e " t h a t o c c u r r e d b e f o r e y o u a c q u i r e d
o r f o r m e d t h e o r g a n i z a t i o n ; e n d
c . Coverage B does not appl to "personal injury" or "advertising injury" arising out of an offense
c o m m i t t e d b e f o r e y o u a c q u i r e d o r f o r m e d t h e o r g a n i z a t i o n .
N o p e r s o n o r o r g a n i z a t i o n i s a n i n s e d w i t h r e s p e c t t o t h e c o n d u c t o f a n y c u r r e n t o r p a s t p a r t n e r s h i p , j o i n t
v e n t u r e o r l i m i t e d l i a b i l i t y c o m p a n y # f ~ a t i s n o t s h o w n a s a Na m e d I n s u r e d i n t h e D e c l a r a t i o n s .
XS- 6 U 9 1 c ( p7/02) Reprinted in part wish permission of Insurance Services Office, Inc . , 1 9 9 8 P a a e 9 o f 1 7
2 . E a c h o f t h e f o l l o w i n g i s a l s o a n
( a ) T o y o u , t o y o u r p r t n e r s o r m e m b e r s ( i f y o u a r e a p a r t n e r s h i p o r j o i n t v e n t u r e ) , t o y o u r
members (if you i re a limite d liability com pany), or to a co "empi oyee' while that co-
" e m p i o y e e " i s e i t h e i n t h e c o u r s e o f h i s o r h e r e m p l o y m e n t o r p e r f o r m i n g d u t i e s r e l a t e d t o
t h e c o n d u c t o f y o u r b u s i n e s s :
( b ) T o t h e s p o u s e , c h i l d , p a r e n t , b r o t h e r o r s i s t e r o f t h a t c o u e m p l o y e e " a s a c o n s e q u e n c e o f
paragraph (1)(a) above ;
(c) For which there is any obligation to share damages with or repay someone else who must
p a y d a m a g e s b e c a f U s e o f t h e i n j u r y d e s c r i b e d i n p a r a g r a p h s ( 1 ) ( a ) o r ( b ) a b o v e ; o r
( d ) A r i s i n g o u t o f h i s o r ! h e r p r o v i d i n g o r f a i l i n g t o p r o v i d e p r o f e s s i o n a l h e a l t h c a r e s e r v i c e s .
( 2 ) " P r o p e r t y d a m a g e " t o p r o p e r t y - .
(a) Owned or occupied : b y ,
(b) Rented to, in the ;care, cu stody or contro l of, or over which physical contr ol is being
e x e r c i s e d f o r a n y p s p r p o s s b y
you, any of your " employees" any partner or member ( I f y o u a r e a p a r t n e r s h i p o r j o i n t v e n t u r e ) ,
o r a n y m e m b e r ( i f y o u a r e a l i m i t e d l i a b i l i t y c o m p a n y ) _
b . Any person (other than your "emp loyee"), or a ny organization while acting as your real estat e
m a n a g e r .
c. A n y p e r s o n o r o r g a n i z a t i o n h a v i n g p r o p e r t e m p o r a r y c u s t o d y o f y o u r p r o p e r t y i f y o u d i e , b u t o n l y :
J 1 ) W i t h r e s p e c t t o l i a b i l i t y a r i s i n g o u t o f t h e m a i n t e n a n c e o r u s e o f t h a t p r o p e r t y ; and
( 2 ) U n t i l y o u r l e g a l r e p r e s e n t a t i v e h a s b e e n a p p o i n t e d .
d . Y o u r l e g a l r e p r e s e n t a t i v e i f y o u d i e , b u t o n l y w i t h r e s p e c t t o d u t i e s a s s u c h . Th a t r e p r e s en t a t i v e w i ll
h a v e a t l y o u r r i g h t s a n d d u t i e s u n d e r t h i s P o l i c y .
3 . W i t h r e s p e c t t o " m o b i l e e q u i p r ~ e n Y ' r e g i s t e r e d i n y o u r n a m e u n d e r a n y m o t o r v e h i c l e r e g i s t r a t i o n l a w ,
a n y p e r s o n i s a n i n s u r e d w h i l e d r i v i n g s u c h e q u i p m e n t a l o n g a p u b l i c h i g h w a y w i t h y o u r p e r m i s s i o n . An y
o t h e r p e r s o n o r o r g a n i z a t i o n r e o n s i b l e f o r t h e c o n d u c t o f s u c h p e r s o n i s a l s o a n i n s u r e d , b u t o n l y w i t h
r e s p e c t t o l i a b i l i t y a r i s i n g o u t o f t i e o p e r a t i o n o f t h e e q u i p m e n t , a n d o n l y i f n o o t h e r i n s u r a n c e o f a n y k i n d
i s a v a i l a b l e t o t h a t p e r s o n o r o r g a n i z a t i o n f o r t h i s l i a b i l i t y . However, no pers on or organization is an
i n s u r e d w i t h r e s p e c t t o :
a . " B o d i l y i n j u r y " t o a c o - " e m p i c g y e e " o f t h e p e r s o n d r i v i n g t h e e q u i p m e n t ; o r
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most we w i i l p a y f o r t h e s u m o # :2. The General Aggregate Limit is
9 . Bankruptcy .
B a n k r u p t c y o r i n s o l v e n c y o f t N e i n s u r e d o r o f t h e i n s u r e d ' s e s t a t e w i l l n o t r e l i e v e u s o f o u r o b l i g a t i o n s
u n d e r t h i s p o l i c y .
2 . Duties in the Event of Occurrence, Claim or Suit .
a . N o t i c e s h a l l b e s e n t t o u s a s O o o n a s p r a c t i c a b l e w h e n e v e r y o u h a v e i n f o r m a t i o n f r o m w h i c h y o u m a y
reasonably conclude that ao "occurrence" or offense may result in a claim or claims involving
d a m a g e s w h i c h , i n t h e e v e n ~ t h a t y o u a r e h e l d l i a b l e , a r e l i k e l y t o e x c e e d 5 0 % o f t h e " r e t a i n e d l i m i t ' .F a i l u r e t o g i v e n o t i c e o f a n y l o c c u t r e n c e " w h i c h a t t h e t i m e o f i t s h a p p e n i n g d i d n o t a p p e a r t o e x c e e d
5 0 % o f t h e " r e t a i n e d l i m i t ' b u t w h i c h , a t a l a t e r d a t e w o u l d a p p e a r t o g i v e r i s e t o a c l a i m u n d e r t h i s
i n s u r a n c e , s h a l l n o t p r e j u d i c o s u c h c l a i m .
b . Y o u m u s t s e e t o i t t h a t w e a t e n o t i f i e d o f a n " o c c u r r e n c e " o r a n o f f e n s e w h i c h m a y r e s u l t i n a c l a i m .
Notice should i n c l u d e :
(1) How , when an d where th~ " o c c u r r e n c e " o r o f f e n s e t o o k p l a c e ; and
( 2 ) The names an d addre sse 6 o f a n y i n j ured persons and any witnesses ; a n d
( 3 ) The n a t u r e a n d l o c a t i o n o l a n y i n j u r y o r d a m a g e a r i s i n g o u t o f t h e " o c c u r r e n c e " o r o f f e n s e .
(
XS-6U91c (07/02 Reprinted in part with permissio n of I n s u r a n c e S e r v i c e s O f f i c e , I n c., 1998 Page 10 o f 1 7
SECTION I I I - LIMI TS OF
1 . The Limits of I nsur ance shown
" u l t i m a t e n e t l o s s " i n e x c e s s o f
a. Snsuse ds ;
b . Claims m ad e o r " s u i t s "
c . P e r s o n s o r o r g a n i z a t i o n s
CE AND RETAIN ED LIMI T
t h e D e c l a r a t i o n s and the r u l e s b e l o w f i x t h e m o s t w e w i l l p a y f o r t i c
" r e t a i n e d l i m i t " r e g ar d l es s o f the number of .
o r
g c l a i m s o r b r i n g i n g " s u i t s " .
a . Damages under Coverage iA, except damages because of "bodily injury" and "property damage"
i n c l u d e d i n t h e " p r o d u c t s - c o m p l e t e d o p e r a t i o n s h a z a r d " ; a n d
b . Damages under Coverage ~ .
3. The Product s-Comple#e d Oger~tions Aggregate Limit is t he most we will pay unde r Coverage A for
damages because of "bodily iinjury and "property damage" included in the "products-completed
o p e r a t i o n s h a z a r d " .
4. Subject to 2 . a b o v e , t h e P e r s a n ~ a l a n d A d v e r t i s i n g I n j u r y L i m i t i s t h e m o s t w e w i l l p a y u n d e r C o v e r a g e B
f o r t h e " u l t i m a t e n e t l o s s " i n e x c e s s o f t h e " r e t a i n e d l i m i t " f o r d a m a g e s b e c a u s e o f a l l " p e r s o n a l a n d
a d v e r t i s i n g i n j u r y " s u s t a i n e d b y O n y o n e p e r s o n o r o r g a n i z a t i o n .
5. Subject to 2 . o r 3 . a b o v e , w h i c h e v e r a p p l i e s , t h e E a c h O c c u r r e n c e l i m i t i s t h e m o s t w e w i l l p a y u n d e r
C o v e r a g e A f o r t h e " u l t i m a t e n e { l o s s " i n e x c e s s o f t h e " r e t a i n e d l i m i t " f o r d a m a g e s b e c a u s e o f a l l " b o d i l y
i n j u r y " a n d " p r o p e r t y d a m a g e " w i s i n g o u t o f a n y o n e " o c c u r r e n c e " .
6. Subject to 5. abo ve, the Damag e to Premis es Rented To You Limit is the most we Will pay u nder
C o v e r a g e A f o r t h e " u l t i m a t e n e t l o s s " i n e x c e s s o f t h e " r e t a i n e d l i m i t " f o r d a m a g e s b e c a u s e o f " p r o p e r t y
damage" to any one premises, hi9e rented to you, or in the case of damage by f i r e , w h i l e r e n t e d t o y o u
o r t e m p o r a r i l y o c c u p i e d b y y o u i t h p e r m i s s i o n o f t h e o w n e r .
7. # f t h e p o l i c y a g g r e g a t e l i m i t s , a ~ s e t f o r t h i n 2 . a n d 3 . a b o v e , a r e p a i d p r i o r t o t h i s p o l i c y ' s t e r m i n a t i o n
d a t e , t h i s p o l i c y ' s p r e m i u m i s f u r y e a r n e d .
The L i m i t s o f I ns ur a nce of this p licy apply sep arately to each consecutive annual period a nd to any
remaining period o f l e s s than 12 onths , s t a r t i n g w i t h t h e beginning of the policy period shown i n t h e
D e c l a r a t i o n s , unless the policy per~d is extended afte r issuance for an a d d i t i o n a l p e r i od of les s than 12
mont hs . I n t h a t c a s e , t h e a d d i t i o n a l , p e r i od w i l l b e deemed part o f t h e l a s t p r e c e d i ng per i o d f o r p u r p o s e s o f
determining t h e l i m i t s o f Insurance .
SECTION l V - CONDITIONS
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c . I f a c l a i m i s m a d e o r a l " s u i t " i s b r o u g h t a g a i n s t a n y i n s u r e d w h i c h i s l i k e l y t o i n v o l v e t h i s
i n s u r a n c e , y o u m u s t n o t i u s p r o m p t l y w i t h a w r i t t e n n o t i c e o f t h e c l a i m o r " s u i t " .
e v a l u a t i o n o f a n y c l a i m f o r s e t t l e m e n t p u r p o s e s -e . You shall make a good
3 . Legal Action Agains t Us .
By a c c e p t i n g t h i s p o l i c y , y o u a g r e e :
a . The stat ements i n the Decl i
a r a # i o n s a r e a c c u r a t e a n d complete ;
b . Those statements are ba4d upon representations you made t o us ; andc . We have issued t his p o l i c y i n r e l i a n c e u p o n y o u r r e p r e s e n t a t i o n s .
XS-6U 9 ' 1 c ( 0 7 / 0 2 ) R e p r i n t e d i n p a r t w i t h p e r m i s s i o n o f I n s u r a n c e S e r v i ces Offi ce , I n c . , 1 9 9 8 Page 11 of 17
d . Y o u a n d a n y o t h e r i n v c
( 1 ) Immediately send
r e c e i v e d i n c o n n e