COMMERCIAL GENERAL LIABILITY

							                                                                                               COMMERCIAL GENERAL LIABILITY


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

               EXCLUSION - DESIGNATED CONSTRUCTION OPERATIONS
This endorsement modifies insurance provided under the following:
    COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. The following exclusion is added to 2. Exclusions of Section I - Coverage A - Bodily Injury And Property
   Damage Liability, Coverage B - Personal And Advertising Injury Liability and Coverage C - Medical
   Payments:
    This insurance does not apply to:
    1. "Bodily injury", "property damage", "personal and advertising injury", or medical payments arising out of
       any ongoing "construction operations" or "your work" included in the "products-completed operations
       hazard" performed by or on behalf of any insured in the States of California, Nevada, or New York.
    2. "Bodily injury", "property damage", "personal and advertising injury", or medical payments arising out of
       any ongoing "construction operations" or "your work" included in the "products-completed operations
       hazard" on any "residential building or structure" performed by or on behalf of any insured in the States of
       Arizona, Colorado, Oregon, Utah, or Washington.
    3. Costs and expenses to investigate or defend any claim or "suit" or payment of any fine or penalty for
       paragraph A.1. or A.2. above.
B. With regard to paragraph A. above, exclusion b. Contractual Liability of 2. Exclusions of Section I -
   Coverage A - Bodily Injury And Property Damage Liability is replaced by the following:
    This insurance does not apply to:
    b. Contractual
         (1) "Bodily injury", "property damage", "personal and advertising Injury", and medical payments for which
             any insured may be obligated to pay damages by reason of the assumption of liability in any contract
             or agreement, regardless of whether such contract or agreement is an "insured contract"; or
         (2) Any obligation to share damages with or repay someone else who must pay damages.
C. Exclusion l. Damage to Your Work of 2. Exclusions of Section I - Coverage A - Bodily Injury And
   Property Damage Liability is replaced by the following:
    This insurance does not apply to:
    l.   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".
D. The following definitions are added to the Definitions section:
    1. "Construction" means the act of building by putting together materials and parts to create a structure
       including, but not limited to, building the foundations, framework, floors, walls, ceilings, trusses or roof, or
       debris removal.
    2. "Construction operations" means, with respect to real property, surveying, site preparation, grading of
       land, excavation, debris removal, soil compaction, tree clearing, demolition, reconstruction, renovation,
       alteration, remodeling, repair, service, improvement and any other "pre-construction" and any other
       "construction" and any other "post-construction".
    3. "Post-construction" means those activities that occur after the issuance of the notice of completion or
       certificate of occupancy, whichever comes first.




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    4. "Pre-construction" means those activities that must occur prior to the actual start of the "construction"
       process including, but not limited to, grading of land, inspection, land surveying, site preparation, soil
       compaction, tree clearing, or installation of driveways, parking areas, roads, sidewalks, and utilities.
    5. "Residential building or structure" means any apartment, multiple family dwelling, single-family dwelling,
       condominium, cooperative, townhouse, dormitory, or any other housing or dwelling built or used, in whole
       or in part, for the purpose of residential occupancy.




All others terms and conditions of this policy remain unchanged.




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