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					                                      Liability & Professional

Form/Coverage Overview:

Title            Businessowners Liability Coverage Form                Form Number          SB-300000-B

Description      The "base" liability policy. Includes coverage for Business Liability, Medical Expenses,
                 Personal and Advertising Injury.

Dec Page         Yes, Liability limits must appear on the declarations are line items at Policy Level. 6 lines must
                 appear: each occurrence limit, general aggregate limit, products completed operations
                 aggregate limit, personal and advertising injury limit, damage to premises rented to you,
                 medical expenses limit. If medical expenses and product is excluded must display

State            None, form is countrywide
Exceptions

Class            None, form is common for all eligible classes
Exceptions

Dependencies     The occurrence limit that is selected will be displayed as the each occurrence and the personal
                 and advertising limit. The aggregate limit will be displayed as the products completed
                 operations aggregate and the general aggregate. The medical expense limit is a separate limit.
                 The damage to premises rented to you limit will default to $300,000 and can be increased.
                 Must have Building and/or BPP

Location         Coverage is per occurrence at each premises with an annual aggregate

Generation       Form should generate for all policies

Form Tags        None. Form is all text with no variable fields

Comments         GL IS AUDITABLE FOR ALL TYPES OF CONTRACTORS (Service, Service Contractors and
                 Contractors); WHOLESALERS AND MANUFACTURERS; Once Split rates go into effect for
                 larger accounts other industry groups with rates based off of sales for GL will be auditable;

Rating           Priced per $1,000 in limit for all but CONTRACTOR, GARAGE, MANUFACTURER &
                 WHOLESALE. CONTRACTOR is priced per $1,000 in payroll. GARAGE is priced per
                 employee. MANUFACTURER & WHOLESALE are priced per $1,000 in sales. See RATING
                 REVIEW section for additional details.



(See BASE POLICY SECTION for copy of form)




Confidential – Internal Only                                                                    Page 1 of 68
:

Title               Amendment – Aggregate Limits of Insurance Per        Form Number          SB-300001-B
                    Project

Description         Optional coverage amends the aggregate structure of the policy to respond on a per project
                    basis

Dec Page            No. Form is a text form that changes policy definitions.

State               None, form is common to all states
Exceptions

Class               Form is available to all classes of business. Should have a contracting type exposure to use it.
Exceptions

Dependencies        Must have General Liability coverage

Location            Coverage provided is an extension of policy definitions and terms

Generation          Form should generate any time this option is selected

Form Tags           None, Form is all text with no variable fields.

Comments            Two rating tiers: 1-20 jobs & 21+ jobs;

Rating              Flat charge.


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
        AMENDMENT – AGGREGATE LIMITS OF INSURANCE (PER PROJECT)
This endorsement modifies insurance provided under the following:
      BUSINESSOWNERS LIABILITY COVERAGE FORM
A. For all sums which the insured becomes legally obligated to pay as damages caused by "occurrences" under
   COVERAGE A.1., and for all medical expenses caused by accidents under COVERAGE A.2., which can be
   attributed only to ongoing operations at a single construction project:
   1. A separate Construction Project General Aggregate limit applies to each construction project. The
        Construction Project General Aggregate limit is equal to the amount of the General Aggregate limit shown in
        the Declarations.
   2. The Construction Project General Aggregate limit is the most we will pay for the sum of all damages payable
        under COVERAGE A.1., except damages because of "bodily injury" or "property damage" included in the
        "products-completed operations hazard," and for medical expenses payable under COVERAGE A.2.
        regardless of the number of:
        a. Insureds;
        b. Claims made or "suits" brought; or
        c. Persons or organizations making claims or bringing "suits."
   3. Any payments made under COVERAGE A.1. for damages or under COVERAGE A.2. for medical expenses
        shall reduce the Construction Project General Aggregate limit for the applicable construction project. Such
        payments shall not reduce the General Aggregate limit shown in the Declarations nor shall they reduce any
        Construction Project General Aggregate limit applicable to other construction projects.




    Confidential – Internal Only                                                                  Page 2 of 68
     4. The limits shown in the Declarations for Liability and Medical Expenses, Damage to Premises Rented to
          You, and Medical Expenses continue to apply. However, instead of being subject to the General Aggregate
          limit shown in the Declarations, such limits will be subject to the applicable Construction Project General
          Aggregate limit.
B.   For all sums which the insured becomes legally obligated to pay as damages caused by "occurrences," and for
     all medical expenses caused by accidents, which cannot be attributed only to ongoing operations at a single
     construction project:
     1. Any payments made under COVERAGE A.1. for damages or under COVERAGE A.2. for medical expenses
          shall reduce the amount available under the General Aggregate limit or the Products/Completed Operations
          Aggregate limit, whichever is applicable; and
     2. Such payments shall not reduce any Construction Project General Aggregate limit.
C.   When coverage for liability arising out of the "products-completed operations hazard" is provided, any payments
     for damages because of "bodily injury" or "property damage" included in the "products-completed operations
     hazard" will reduce the Products/Completed Operations Aggregate limit, and not reduce the General Aggregate
     limit nor any Construction Project General Aggregate limit.
D.    If a construction project has been abandoned, delayed, or abandoned and then restarted, or if the authorized
     contracting parties deviate from plans, blueprints, designs, specifications or timetables, the project will still be
     deemed to be the same construction project.
E.   The provisions of the Limits Of Insurance section not otherwise modified by this endorsement shall continue to
     apply as stipulated.



Title                Architects, Engineers and Surveyors Liability         Form Number          SB-300176-B
                     Extension (Design One Liability Extension with)

Description          Adds or modifies a group of liability coverages to cater them to Architects, Engineers and
                     Surveyors; Also, the B version combines aggregate limits per Project and the Blanket Additional
                     Insured and Waiver form into one form, this one.

Dec Page             No

State                B version of state versions of the B version in all states except: LA, MA or NY as of 03/06/09.
Exceptions           Check formNet to confirm.

Class                Only applicable to Architects, Engineer and Surveyor classes of business; Eligible Class Codes:
Exceptions           65121AG; 65121Q; 65121DH; 99471; Eligible SIC Codes: 87110; 87130;

Dependencies         Liability Coverages

Location             Coverage is applied per occurrence at each location

Generation           Form should generate any time this option is selected

Form Tags            Yes additional data capture, limits will not be on the database.

Comments             This form is replaced with an expanded version of it, named Design One Liability Extension
                     with Office Pollution Liability Coverage, B version.

Rating               Flat charge with additional charge per surveyor.




Confidential – Internal Only                                                                         Page 3 of 68
Title              Broad Form Products Coverage                         Form Number       SB-300003-B

Description        Provides coverage for product liability associated with garages

Dec Page           No.

State              None, form is common to all states
Exceptions

Class              Coverage is only available for garage classes of business
Exceptions

Dependencies       Must have General Liability Coverage

Location           Coverage is per occurrence.

Generation         Form should generate any time this optional coverage is selected

Form Tags          None. Form is all text with no variable fields.

Comments

Rating             Rating factor included in base algorithm.

         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                            BROAD FORM PRODUCTS COVERAGE
This endorsement modifies insurance provided under the following:
    BUSINESSOWNERS LIABILITY COVERAGE FORM
With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified
by the endorsement.
LIABILITY COVERAGE is changed as follows:
The Damage to Your Products Exclusion does not apply. However, subject to the Each "Occurrence" Limit of
Insurance shown in the Declaration page, the coverage only applies to that amount of "property damage" to your
"products" that exceeds $250 for any one ―occurrence‖.



Title              Broadened Property Damage Coverage-                  Form Number       SB-300598-A
                   Swimming Pools

Description        This new form provides broadened property damage coverage to swimming pools that are your
                   work, but only when these swimming pools are damaged by pop-up (pop up means an elevation
                   of a swimming pool due to a high water table).

Dec Page           No.

State              Not available yet in: LA, MA or NY;
Exceptions

Class              Operator Select for the following SIC/Class only: 17990/99506 and 17990/99507 and now SIC
Exceptions         73898 as of 04/2009.




Confidential – Internal Only                                                                   Page 4 of 68
Dependencies      Must have liability coverage.

Location          Coverage is an extension of the general liability coverage.

Generation        Optional Coverage that is selected as part of issuance.

Form Tags         None. The form is all text with no variable fields.

Comments          See above.

Rating            None.



         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
        BROADENED PROPERTY DAMAGE COVERAGE – SWIMMING POOLS

This endorsement modifies insurance provided under the following:


    BUSINESSOWNERS LIABILITY COVERAGE FORM

Exclusions k.(5), k.(6), and m. of B.1. Exclusions Applicable to Business Liability Coverage do not apply to
―property damage‖ to swimming pools that are ‗―your work‖ when these swimming pools are damaged by ―pop-up‖.
Exclusion l. of B.1. Exclusions Applicable to Business Liability Coverage does not apply to swimming pools sold
by the insured, but only when these swimming pools are damaged by ―pop-up‖.
However, with respect to the additional insurance provided by this endorsement, we will not pay for:
1. Your profit or expected profit; or
2. Fines or penalties.
As respects this endorsement ―pop-up‖ means an elevation of a swimming pool due to a high water table.



Title              Employee Benefits Liability Coverage                 Form Number         SB-300007-B
                   Endorsement

Description        Coverage for damage arising out of the acts, errors or omissions in the administration of
                   employee benefits programs.

Dec Page           Yes, this coverage has multiple coverage options and form refers to the Dec. Line item with a
                   limit and needs to show deductible and per employee

State              None, form is common to all states
Exceptions

Class              None, form is common to all classes
Exceptions

Dependencies       Must have General Liability Coverage. Coverage limit selected must match General Liability
                   limit per occurrence



Confidential – Internal Only                                                                     Page 5 of 68
Location        Coverage is per occurrence

Generation      Form should generate any time this option is selected

Form Tags       None. Form is all text with no variable fields.

Comments        $1,000 Deductible

Rating          Flat charge.



Title           Employment Related Practices Liability Coverage       Form Number          SB-300008-A
                Form

Description     Coverage is provided for employment related sexual harassment, wrongful termination and
                discrimination. Coverage is on a claims made basis and defense expenses reduce the available
                limits of insurance.

Dec Page        Yes. Must appear as line item on Dec at policy level. Must show coverage limit and applicable
                deductible.

State           Form is not available in NY. Please note: A newer version of the form is listed below.
Exceptions

Class           None, form is common to all eligible classes
Exceptions

Dependencies    Must have General Liability Coverage

Location        Coverage is offered on a per occurrence basis

Generation      This form should generate any time this coverage is selected

Form Tags       None. The form is all text with no variable fields.

Comments        Data Element needed for rating purposes: "# of employees"; CNAC Statement: CNA is not a
                market for EPLI Coverages on the CNA Connect Policy Extension for clients with any prior EPLI
                Claims. Please contact your underwriter for other coverage options if prior claims do exist.

Rating          Flat charge.




Title           EMPLOYMENT PRACTICES FIDUCIARY                        Form Number          SB-300449-A
                LIABILITY COVERAGE – Single Limit of
                Insurance Endorsement Form

Description     This form is used with the new EPLI and Fiduciary Liability Forms to create a single limit of
                insurance.

Dec Page        See EPLI/Fiduciary.


Confidential – Internal Only                                                                    Page 6 of 68
State               Please check Formsnet for available states for ones that have approved. Not available in South
Exceptions          Dakota;

Class               Not available for: Architects/Engineers, Check Cashers, Money Exchanges, Commodity
Exceptions          Brokers, Condo Associations, Co-ops, Financial Planner-Consultants, Law Firms, Property
                    Managers, Real Estate Agents, Salons/Spas, Nail Salons, Stockbrokers, Title Agents;

Dependencies        Must have General Liability Coverage

Location            Coverage is offered on a per claim basis.

Generation          This form should generate for all eligible SIC Classes.

Form Tags           None. The form is all text with no variable fields.

Comments            See EPLI/Fiduciary.

Rating              See EPLI/Fiduciary.

           SINGLE LIMIT OF INSURANCE ENDORSEMENT FOR
     EMPLOYMENT PRACTICES/FIDUCIARY LIABILITY COVERAGE FORMS

In consideration of the premium paid for this Policy, it is hereby understood and agreed that the following endorsement is
applicable to the Employment Practices Liability and Fiduciary Liability Coverage Forms:

SINGLE LIMIT OF INSURANCE/DEDUCTIBLE
A. The Employment Practices/Fiduciary Liability single limit of insurance shown in the Declarations and subject to
   the provisions of the Employment Practices Liability and Fiduciary Liability Coverage Forms is the total amount
   we will pay as "damages" and "defense expenses" under both the Employment Practices Liability and Fiduciary
   Liability Coverage Forms combined, regardless of the number of insureds, "claims" made or persons or entities
   making "claims" under such Coverage Forms. If "related claims" are subsequently made against the insured and
   reported to us, all such "related claims," whenever made, shall be considered a single "claim" first made and
   reported to us within the "policy period" in which the earliest of the "related claims" was first made and reported
   to us.
B. The Employment Practices/Fiduciary Liability single limit of insurance shown in the Declarations shall be our
   maximum aggregate limit of insurance for all "damages" and "defense expenses" under the Employment
   Practices Liability and Fiduciary Liability Coverage Forms combined, regardless of the number of:
   1. Insureds;
   2. "Claims";
   3. "Damages" or "defense expenses" incurred; or
   4. Claimants;
   Our obligations under both the Employment Practices Liability and Fiduciary Liability Coverage Forms, shall be
   completely fulfilled and extinguished if the Employment Practices/Fiduciary Liability single limit of insurance is
   exhausted by payment of "damages" or "defense expenses."
C. We will pay "damages" and "defense expenses" in excess of the EPL Deductible shown on the Declarations, up
   to the applicable Employment Practices/Fiduciary Liability single limit of insurance.
   Example No. 1
        EPL Deductible: $5,000
        Employment Practices/Fiduciary Single Limit of Insurance: $100,000
        "Damages" and "Defense Expenses": $75,000



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        The EPL Deductible will be subtracted from the amount of "damages" and "defense expenses" in calculating
        the amount payable:
        $75,000 - $5,000 = $70,000 Amount Payable
    Example No. 2
        EPL Deductible: $5,000
        Employment Practices/Fiduciary Single Limit of Insurance: $100,000
        "Damages" and "Defense Expenses": $120,000 The EPL Deductible will be subtracted from the amount of
        "damages" and "defense expenses" ($120,000 - $5,000 = $115,000). Since the amount of the "damages"
        and "defense expenses" minus the EPL Deductible exceeds the Employment Practices/Fiduciary Liability
        single limit of insurance, the policy will pay the full Employment Practices/Fiduciary Liability Single Limit of
        Insurance ($100,000).
D. Subject to Paragraph E. below, we may pay any part or all of the EPL Deductible amount to effect settlement of
    any "claim" and, upon notification of the action taken, you shall promptly reimburse us for such part of the EPL
    Deductible amount as has been paid by us.
E.. No deductible applies with respect to any "claim" against any "insured person" if you are not permitted to
    advance "defense expenses" or to indemnify such "insured person" for "damages" by reason of:
    1. Financial insolvency; or
    2. A good faith determination by you that such payment is not permitted under the broadest construction of
        applicable law



Title               Employment Related Practices Liability Coverage       Form Number          SB-300450-A
                    Form

Description         Coverage is provided for employment related sexual harassment, wrongful termination and
                    discrimination. Coverage is on a claims made basis and defense expenses reduce the available
                    limits of insurance. $10,000 Built in with $0 Deductible; Options for $50,000; $100,000 and
                    $250,000; Minimum deductible for higher limits $2,500; SHARED LIMIT WITH FIDUCIARY.

Dec Page            Yes. Must appear as line item on Dec at policy level. Must show coverage limit and applicable
                    deductible. Retro Date;

State               Please check Formsnet for available states for ones that have approved. Not available in South
Exceptions          Dakota;

Class               Not available for: Architects/Engineers, Check Cashers, Money Exchanges, Commodity
Exceptions          Brokers, Condo Associations, Co-ops, Financial Planner-Consultants, Law Firms, Property
                    Managers, Real Estate Agents, Salons/Spas, Nail Salons, Stockbrokers, Title Agents;

Dependencies        Must have General Liability Coverage

Location            Coverage is offered on a per claim basis.

Generation          This form should generate for all eligible SIC Classes.

Form Tags           None. The form is all text with no variable fields.

Comments            Data Element needed for rating purposes: "# of employees"; and optional limit as well as Retro
                    Date; CNAC Statement: CNA is not a market for EPLI Coverages on the CNA Connect Policy
                    Extension for clients with any prior EPLI Claims. Please contact your underwriter for other
                    coverage options if prior claims do exist.



Confidential – Internal Only                                                                        Page 8 of 68
Rating               Built In Coverage is part of the base gl premium. Optional Limits are rated off of number of
                     employees with a $125 minimum premium. (Base rate x State Mod x Hazard Mod x ILF x
                     Retention factor Base Rate = # employees x rate per employee) SHARED WITH FIDUCIARY



                EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM
THIS IS A CLAIMS MADE COVERAGE FORM. PLEASE READ ALL PROVISIONS AND CONTACT YOUR AGENT
IF YOU HAVE ANY QUESTIONS. THIS INSURANCE APPLIES ONLY TO "WRONGFUL ACTS" THAT OCCUR
BETWEEN THE RETROACTIVE DATE AND THE END OF THE "POLICY PERIOD." THIS INSURANCE APPLIES
ONLY TO "CLAIMS" FIRST MADE AGAINST THE INSURED AFTER THE INCEPTION DATE AND BEFORE THE
END OF THE "POLICY PERIOD" OR ANY APPLICABLE EXTENDED REPORTING PERIOD AND REPORTED TO
US IN ACCORDANCE WITH THE PROVISIONS OF THIS FORM. UPON TERMINATION OF YOUR POLICY AN
AUTOMATIC EXTENDED REPORTING PERIOD WILL BE PROVIDED, AND A SUPPLEMENTAL EXTENDED
REPORTING PERIOD WILL BE AVAILABLE.


Various provisions in this Coverage Form restrict coverage. Read the entire Coverage Form carefully to determine
rights, duties and what is and is not covered.
Throughout this Coverage Form the terms "you" and "your" refer to the Named Insured shown in the Declarations,
and any other person or organization qualifying as a Named Insured under this policy." The terms "we," "us" and
"our" refer to the Stock Insurance Company named on the Declarations providing this insurance.
The word "insured" means any person or organization qualifying as such under Section II – Who Is An Insured.
Other words and phrases that appear in quotation marks have special meaning. Refer to Section III – Definitions.


SECTION I - INSURING AGREEMENTS
A. Coverage
    We will pay those sums in excess of the deductible and subject to the limits of liability that the Insured becomes
    legally obligated to pay as "damages" because of a "claim" resulting from a "wrongful employment practice"
    provided:
    1. The "wrongful employment practice" takes place in the "coverage territory";
    2. The "wrongful employment practice" did not occur before the Retroactive Date, if any, shown in the
       Declarations nor after the end of the "policy period"; and
    3. A "claim" arising out of a "wrongful employment practice" is first made against an insured, during the "policy
       period" or Extended Reporting Period, if applicable and is reported to us in accordance with Section VIII,
       Conditions, paragraph C, Duties in the event of a "Claim"; and
    4. Prior to the inception date of this Coverage Form:
         a. the Insured did not give notice to a prior insurer of a "related claim";
         b. the Insured did not give notice to a prior insurer of any such "wrongful employment practice" or
             "interrelated wrongful employment practice."
    No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for
    under paragraph 1.D. – Supplementary Payments
B. Defense
    We have the right and duty to defend all "suits," even if the allegations are groundless, false or fraudulent. We
    shall have the right to appoint counsel and to make such investigation and defense of a "suit" as we deem
    necessary. Alternatively we may, at our option, give our written consent to the defense of any such "suit" to the
    insured. Our obligation to defend any "suit" or pay any "damages" and "defense expenses" for any "claim" shall


Confidential – Internal Only                                                                        Page 9 of 68
    be completely fulfilled and extinguished if the limit of insurance has been exhausted by payment of "damages" or
    "defense expenses."
C. Consent To Settle
    We shall not settle a "claim" without your written consent. If you refuse to consent to a settlement or compromise
    recommended by us, and acceptable to the claimant, then the applicable limit of insurance under this Coverage
    Form shall be reduced to the amount for which the "claim" could have been settled plus all "defense expenses"
    incurred up to the time we made our recommendation.
D. Supplementary Payments
    We will pay, with respect to any "claim" or "suit" we investigate or settle, or any "suit" against an insured we
    defend all "defense expenses." These payments are included within and reduce the Limits of Insurance.
SECTION II – WHO IS AN INSURED
A. If you are designated in the Declarations as:
    1. A partnership or joint venture, you are an insured. Your partners or members are also insureds.
    2. A limited liability company, you are an insured. Your members and managers are also insureds.
    3. An organization other than a partnership, joint venture or limited liability company, you are an insured. Your
       "executive officers" and directors are also insureds.
B. Your "employees" are also insureds, unless otherwise excluded in this policy.
C. Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company,
   and over which you maintain ownership or majority interest, will qualify as a Named Insured if no other similar
   insurance applies to that organization. You must notify us of such acquisition or formation as soon as
   practicable. However, coverage under this provision:
    1. Is afforded only until the 90th day after you acquire or form the organization, or until the end of the policy
        period, whichever is earlier; and
    2. Does not apply to an offense committed before you acquired or formed the organization.
No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture
or limited liability company that is not shown as a Named Insured in the Declarations.
SECTION III – DEFINITIONS
The following defined words shall have the same meaning throughout this Coverage Form, whether expressed in the
singular or the plural.
A. "Claim" means a "suit" or written demand for monetary damages against an insured and made by or on behalf of
   a natural person who is an "employee" or applicant for employment for a "wrongful employment practice."
B. "Coverage territory" means:
    1. The United States of America (including its territories or possessions) and Puerto Rico; or
    2. All parts of the world if the insured's responsibility to pay "damages" is determined in a "suit" on the merits
       brought in the territory described in Paragraph 1. above or in a settlement of a "claim" that we agree to.
C. "Damages" means sums (including back pay and front pay), settlements, judgments (including any award of
   pre-judgment and post-judgment interest) for which you are legally obligated to pay on account of a covered
   "claim." "Damages" shall not include:
   1. criminal or civil fines or penalties imposed by law;
   2. taxes;
   3. liquidated or the multiple portion of any multiplied damages, amounts which may be deemed uninsurable
        under the law pursuant to which this policy shall be construed;
   4. compensation earned by the claimant in the course of employment but unpaid by the Insured, including
        salary, wages, commissions, bonus or incentive compensation;
   5. any amounts for which an Insured is liable due to breach of any written contract of employment;


Confidential – Internal Only                                                                          Page 10 of 68
     6. amounts representing medical or insurance premiums or benefit claim payments;
     7. any amount for which an Insured is absolved from payment by reason of any covenant, agreement or court
        order; or
     8. future salary, wages or commissions of a claimant who is hired, promoted or reinstated to employment
        pursuant to a settlement of, order in, or other resolution of any "claim"
     Notwithstanding anything to the contrary above, "damages" shall include punitive or exemplary damages, if
     insurable, to the fullest extent permitted by any applicable law. Where you reasonably determine that punitive,
     exemplary or multiple damages are insurable under any applicable law, we shall not challenge that
     determination of insurability.
D. "Defense expenses" means all fees charged by attorneys designated by us, or by you, with our written consent
   and all other reasonable and necessary fees, costs and expenses resulting from the investigation, adjustment,
   defense and appeal of a "claim" if incurred by us or you with our written consent, including the costs of appeal,
   attachment or similar bonds. We have no obligation to provide such bonds. "Defense Expenses" shall not
   include salaries, wages, fees, overhead or benefit expenses associated with the directors, officers, and
   employees of yours.
E. "Domestic Partner" means any person qualifying as such under any federal, state or local laws or under your
   employee benefit plans.
F. "EEOC Proceeding" means an investigative proceeding before the Equal Employment Opportunity Commission
   or an adjudicatory or investigative proceeding before any similar federal, state or local government body whose
   purpose is to address "wrongful employment practices."
G. "Employee" means all of your past, present or future full-time or part-time employees, including seasonal and
   temporary employees and employees leased or loaned to you. "Employee" does not include an independent
   contractor.
H. "ERISA or any Similar Act" means the Employee Retirement Income Security Act of 1974, as amended, or
   any similar common or statutory law of the United States, Canada or their states, territories or provinces or any
   other jurisdiction anywhere in the world.
I.   "Executive officer" means your chairperson, chief executive officer, president, chief financial officer and in-
     house general counsel, and, the director of human resources or equivalent position;
J. "Insured Persons" means all of those natural person insureds who are your partners, members, managers,
   "executive officers," directors and "employees"
K. "Interrelated Wrongful Employment Practices" means any "wrongful employment practices" which are
   logically or causally connected by reason of any common fact, circumstance, situation, transaction or event.
L. "Policy Period" means the period from the effective date of this Coverage Form to the expiration date stated on
   the Declarations, or its earlier cancellation date.
M. "Pollutants" means any substance exhibiting hazardous characteristics as, is or may be defined or identified on
   any list of hazardous substances issued by the United States Environmental Protection Agency or any state or
   local or foreign counterpart. "Pollutants" also means, without limitation, any solid, liquid, gaseous or thermal
   irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals or waste (including
   materials to be recycled, reconditioned or reclaimed), as well as any air emission, odor, waste water, oil or oil
   products, infectious or medical waste, asbestos, or asbestos products or any noise.
N. "Related claims" mean all claims arising out of a single "wrongful employment practice" or arising out of
   "interrelated wrongful employment practices."
O. "Suit" means a formal civil, administrative, or regulatory proceeding (including an "EEOC Proceeding") or
   investigation or an arbitration against an insured, including any appeal there from.
P. "Wrongful Employment Practice" means any actual or alleged error, misstatement, misleading statement, act,
   omission, neglect or breach of duty committed or attempted by the "insured persons" in their capacity as such or
   by you constituting or related to
     1. Wrongful dismissal or discharge or termination of employment, whether actual or constructive;
     2. Employment-related misrepresentation;

 Confidential – Internal Only                                                                        Page 11 of 68
    3. Violation of any federal, state or local laws (whether common-law or statutory) concerning employment or
       discrimination in employment, including the Americans with Disabilities Act of 1992, the Civil Rights Act of
       1991, the Age Discrimination in Employment Act of 1967, Title VII of the Civil Rights Act of 1964 and the
       Civil Rights Act of 1866;
    4. Sexual harassment or other unlawful harassment in the work place;
    5. Wrongful deprivation of career opportunity or failure to employ or promote;
    6. Wrongful discipline of "employees";
    7. Retaliation against "employees" for the exercise of any legally protected right or for engaging in any legally
       protected activity;
    8. Negligent evaluation of "employees";
    9. Failure to adopt adequate workplace or employment policies and procedures;
    10. Employment-related defamation or invasion of privacy; or
    11. Employment-related wrongful infliction of emotional distress.
SECTION IV– EXTENDED REPORTING PERIOD
A. If the first Named Insured cancels or non-renews this Coverage Form or if we decide not to offer any renewal
   terms for this Coverage Form, the first Named Insured shall have the right to purchase, upon payment of an
   additional premium not to exceed 200% of the annual premium for this coverage, an extension of this Coverage
   Form for a period of 12 months immediately following the end of the "policy period," but only with respect to any
   "wrongful employment practice" committed before the earlier of the end of the "policy period";
    This period shall be referred to as the Extended Reporting Period.
B. As a condition precedent to the right to purchase the Extended Reporting Period, the total premium for this
   Coverage Form must have been paid. The right to purchase the Extended Reporting Period shall end unless we
   receive written notice and full payment of the premium for such period within 30 days after the end of the "policy
   period."
C. If the Extended Reporting Period is purchased, the entire premium shall be deemed fully earned at its
   commencement without any obligation by us to return any portion thereof.
D. There is no separate or additional limit of insurance for the Extended Reporting Period.
SECTION V - LIMIT OF INSURANCE
    Your rights and ours are stated in the attached Single Limit of Insurance Endorsement For Employment
    Practices/Fiduciary Liability Coverage Forms
SECTION VI - EXCLUSIONS
A. Exclusions Applicable to Damages and Defense Expenses
    We will not be liable to pay any "damages" or "defense expenses" under this Coverage Form in connection with
    any "claim" made against an insured:
    1. Bodily Injury/Property Damage
       For any actual or alleged bodily injury (including death), sickness, disease of any person, or damage to or
       destruction of any tangible property including loss of use except that this exclusion shall not apply to
       allegations of emotional distress, humiliation or mental anguish;
    2. Violation of Law
       Based upon, directly or indirectly arising out of, or in any way involving any actual or alleged violation of:
       a. (i) "ERISA or any Similar Act," (ii) the Consolidated Omnibus Budget Reconciliation Act of 1985
           (COBRA), as amended, or (iii) any other federal, state or local statutory law or common law anywhere in
           the world governing any employee benefit program, policy, plan or arrangement of any type, including
           but not limited to laws governing retirement or pension benefit programs, welfare plans, insurance plan,
           employee stock option ownership or employee stock purchase plans or deferred compensation
           programs;

Confidential – Internal Only                                                                        Page 12 of 68
       b. Any law governing workers' compensation, unemployment insurance, social security, disability benefits
            or any other similar federal, state or local statutory or regulatory law or common law anywhere in the
            world;
       c. The Occupational Safety and Health Act of 1970 (OSHA), as amended, or any other federal, state or
            local statutory or regulatory law or common law anywhere in the world governing workplace safety and
            health;
       d. The Fair Labor Standards Act (except the Equal Pay Act), as amended, or any other federal, state or
            local statutory law or common law anywhere in the world governing wage, hour and payroll policies;
       e. The Workers' Adjustment and Retraining Notification Act, Public Law 100-379 (1988), as amended, or
            any other federal, state or local statutory or regulatory law or common law anywhere in the world
            governing an employer's obligation to notify or bargain with others in advance of any facility closing or
            mass layoff.
       f. The National Labor Relations Act, as amended, or any other federal, state or local statutory or regulatory
            law or common law anywhere in the world governing employees' rights and the employers duties with
            respect to unions, bargaining, strikes, boycotts, picketing, lockouts or collective activities.
       However, this exclusion shall not apply to any "claim" alleging retaliation or wrongful dismissal or discharge
       or termination of employment whether actual or constructive, because of a claimant's exercise of a right
       pursuant to any such laws;
    3. Pollution
       Based upon, directly or indirectly arising out of or in any way involving: any nuclear reaction, radiation or
       contamination, or any actual, alleged or threatened discharge, release, escape, or disposal of, or exposure
       to, "pollutants"; any request, direction or order that any of the insureds test for, monitor, clean up, remove,
       contain, treat, detoxify, neutralize or in any way respond to or assess the effect of "pollutants" or nuclear
       reaction, radiation or contamination, or any voluntary decision to do so; or any actual or alleged property
       damage, or bodily injury, sickness, disease or death of any person resulting from any of the aforementioned
       matters. However, this exclusion shall not apply to any "claim" alleging retaliation or wrongful dismissal or
       discharge or termination of employment whether actual or constructive, because of a claimant's exercise of
       a right pursuant to any such laws;
    4. Prior Wrongful Acts of Subsidiaries
        For:
        (a) Any "wrongful employment practice" by an insured of any of your subsidiaries, or by such subsidiary
            occurring before the date such entity became a subsidiary, or
        (b) Any other "wrongful employment practice," whenever occurring, which, together with a "wrongful
            employment practice" described in (a) above, would constitute "interrelated wrongful employment
            practices."
   5. Assumed Liability
      Based upon, directly or indirectly arising out of or in any way involving the insured's assumption of the
      liability of others in any oral or written contract or agreement, unless such liability would have attached to an
      Insured in the absence of such agreement;
B. Exclusions Applicable to Non-Monetary Relief
    We will not be liable to pay any "damages" under this Coverage Form that represent
    1. The cost of any non-monetary relief, including without limitation any costs associated with compliance with
       any injunctive relief of any kind or nature imposed by any judgment or settlement;
    2. The costs associated with providing any reasonable accommodations required by, made as a result of, or to
       conform with the requirements of the Americans With Disabilities Act and any amendments thereto or any
       similar federal, state or local statute, regulation, or common laws;
    3. Amounts determined to be owing under an express contract with or express severance obligation of yours;
       however, this exclusion shall not apply if and to the extent that liability would have attached to such insured
       in the absence of the express contract with or obligation of yours ; or


Confidential – Internal Only                                                                        Page 13 of 68
   4. Medical or insurance benefits to which the claimant allegedly was entitled or would have been entitled had
      you provided the claimant with a continuation or conversion of insurance.
SECTION VII – CONDITIONS
A. Bankruptcy
   Bankruptcy or insolvency of the insured or of the "insured's" estate will not relieve us of our obligations under
   this policy.
B. Duties In The Event Of A "Claim"
   1. If, during the "policy period' or any Extended Reporting Period, if applicable, any "claim" is first made against
       the "insured," the insured shall, as a condition precedent to our obligations under this Coverage Form, give
       us written notice as soon as practicable but in no event later than ninety (90) days after the end of the "policy
       period" or the Extended Reporting Period, if applicable.
   2. You must:
       a. Immediately send us copies of any demands, notices, summonses or legal papers received in
           connection with the "claim";
       b. Authorize us to obtain records and other information; and
       c. Cooperate with us in the investigation or settlement of the "claim" or defense of the "suit."
   3. No insured shall voluntarily make a payment, assume any obligation, or incur any expense without our
      written consent.
C. Duties in the Event of A "Wrongful Employment Practice" That May Result In A "Claim"
   If, during the "policy period," you first become aware of a specific "wrongful employment practice" which may
   reasonably give rise to a future "claim," and during the "policy period" give written notice to us of:
   1. The names of any potential claimants and a description of the "wrongful employment practice" which forms
      the basis of their potential "claim";
   2. The identity of the specific insureds allegedly responsible for such specific "wrongful employment practice";
   3. The consequences which have resulted or may result from such specific "wrongful employment practice";
   4. The nature of the potential monetary damages which may be sought in consequence of such specific
      "wrongful employment practice"; and
   5. The circumstances by which you first became aware of such specific "wrongful employment practice";
   Then any "claim" otherwise covered pursuant to this Coverage Form which is subsequently made and which
   arises out of such "wrongful employment practice" shall be deemed to have been first made and reported to us
   by you at the time we received such written notice. No coverage is provided for fees and expenses incurred prior
   to the time such notice results in a "claim."
D. When a "Claim" is Deemed Made
   A "claim" shall be deemed made:
   1. In the case of a civil, administrative or regulatory proceeding or arbitration, on the earliest of the date of
       service upon or other receipt by the insured of a complaint, or similar document against the insured in such
       proceeding or arbitration;
   2. In the case of an investigation, on the earliest of the date of service upon or other receipt by the insured of a
       written notice or subpoena from the investigating authority identifying such "insured person" as an individual
       against whom a formal proceeding may be commenced;
   3. In the case of a written demand for monetary damages, upon the insured's receipt of such written demand.
E. Other Insurance
   The Other Insurance clause, Section H. of the Common Policy Conditions is deleted and replaced with the
   following:


Confidential – Internal Only                                                                        Page 14 of 68
     If any "damages" and "defense expenses" resulting from any "claim" are insured under any other policies, this
     Coverage Form shall apply only to the extent the "damages" and "defense expenses" exceed the amount paid
     under such other insurance, whether such other insurance is stated to be primary, contributory, excess,
     contingent or otherwise, unless such other insurance is written only as specific excess insurance over this
     Coverage Form.
F. Section IV. Estates, Legal Representatives and Spouses/Domestic Partners
     Section L. of the Common Policy Conditions, Transfer Of Your Rights And Duties Under This Policy, is deleted
     in its entirety and replaced as follows:
     The estates, heirs, legal representatives, assigns, spouses and any "domestic partner" of "insured persons" shall
     be considered insureds under this Coverage Form; provided, however, coverage is afforded to such estates,
     heirs, legal representatives, assigns and spouses only for a "claim "arising solely out of their status as such and,
     in the case of a spouse or "domestic partner," where such "claim" seeks damages from marital community
     property, jointly held property or property transferred from the "insured person" to the spouse or "domestic
     partner." No coverage is provided for any act, error or omission of an estate, heir, legal representative, assign,
     spouse or "domestic partner." All terms and conditions of this Coverage Form, including without limitation the
     deductible applicable to "damages" and "defense expenses" incurred by the "insured person" shall also apply to
     "damages" and "defense expenses" incurred by such estates, heirs, legal representatives, assigns, spouses and
     "domestic partners."
G. No Action Against Us
     1. No action shall be taken against us unless, as a condition precedent, there shall have been full compliance
        with all the provisions of this Coverage Form nor until the amount of your obligation to pay shall have been
        finally determined either by final and nonappealable judgment against you after trial or by written agreement
        by you, the claimant and us.
     2. No person or organization shall have any right under this Coverage Form to join us a party to any "suit"
        against you to determine your liability, nor shall we be impleaded by you or your legal representatives in any
        such "suit."
H. Transfer Of Rights Of Recovery Against Others To Us
     If the insured has rights to recover all or part of any payment we have made under this Coverage Form those
     rights are transferred to us. The insured must do nothing after a "claim" is made to impair them. At our request,
     the insured will bring "suit" or transfer those rights to us and help us enforce them.
     In no event shall the insured be entitled to recoup from recoveries any amount to satisfy any deductible until
     after all amounts which we are required to pay or do pay under this Coverage Form are reimbursed to us.
I.   Transfer Of Duties When Limit Of Insurance Is Exhausted
     1. If we conclude that, based on "claims" which have been reported to us and to which this insurance may
         apply, the limit of insurance is likely to be exhausted in the payment of "damages" or "defense expenses,"
         we will notify the first named insured, in writing, to that effect;
     2. When the limit of insurance has actually been exhausted by payments of "damages" or "defense expenses,"
        we will:
         a. Notify the first named insured in writing, as soon as practicable, that such limit has been exhausted and
            that our obligations under this Coverage Form shall be deemed completely fulfilled and extinguished;
         b. Initiate, and cooperate in, the transfer of control, to any appropriate insured, of all open "claims" to you;
            and
         c. Take such steps, as we deem appropriate, to avoid a default in, or continue the defense of, such
            "claims" until such transfer is completed, provided you are cooperating in completing such transfer.
     3. Upon receipt of such notice, you must:
         a. Cooperate in the transfer of control of "claims"; and
         b. Arrange for the defense of such "claim" within such time period as agreed to between you and us.
            Arrangements for the defense of such "claim" must be made as soon as practicable.

 Confidential – Internal Only                                                                          Page 15 of 68
    4. We will take no action with respect to defense for any "claim" if such "claim" is reported to us after the
       applicable limit of insurance is exhausted. It becomes your responsibility to arrange defense for such
       "claim."
    5. You will reimburse us as soon as practicable for expenses we incur in taking those steps we deem
       appropriate in accordance with Paragraph 2. above.
    6. The exhaustion of the applicable limit of insurance and the resulting end of our duty to defend will not be
       affected by our failure to comply with any of the provisions of this Condition.
J. Named Insured Authorization
    The insureds agree that the first named insured will act on behalf of all insureds with respect to giving of all
    notice to us (except notices provided in Section VII. Paragraph B and C), the receipt of notices from us, the
    payment of the premiums, the receipt of any return premiums that may become due under this Coverage Form,
    and the acceptance of endorsements.
K. Assignment of Interest
    Assignment of interest under this Coverage Form shall not bind us unless its consent is endorsed to this
    Coverage Form.
L. Common Policy Conditions
    Unless otherwise stated in this Coverage Form, all of the terms and conditions of the Business Owners Common
    Policy Conditions Endorsement shall be included and incorporated into this Coverage Form.

Title               Fiduciary Liability Coverage Form                      Form Number          SB-300441-A

Description         Coverage is provided for employment related sexual harassment, wrongful termination and
                    discrimination. Coverage is on a claims made basis and defense expenses reduce the available
                    limits of insurance. $10,000 Built in with $0 Deductible; Options for $50,000; $100,000 and
                    $250,000; Minimum deductible for higher limits $2,500; SHARED LIMIT WITH EPLI;

Dec Page            Yes. Must appear as line item on Dec at policy level. Must show coverage limit and applicable
                    deductible. Retro Date;

State               Please check Formsnet for available states for ones that have approved. Not available in South
Exceptions          Dakota;

Class               Not available for: Architects/Engineers, Check Cashers, Money Exchanges, Commodity
Exceptions          Brokers, Condo Associations, Co-ops, Financial Planner-Consultants, Law Firms, Property
                    Managers, Real Estate Agents, Salons/Spas, Nail Salons, Stockbrokers, Title Agents;

Dependencies        Must have General Liability Coverage

Location            Coverage is offered on a per claim basis.

Generation          This form should generate for all eligible SIC Classes.

Form Tags           None. The form is all text with no variable fields.

Comments            Data Element needed for rating purposes: "# of employees"; and optional limit as well as Retro
                    Date; CNAC Statement: CNA is not a market for EPLI Coverages on the CNA Connect Policy
                    Extension for clients with any prior EPLI Claims. Please contact your underwriter for other
                    coverage options if prior claims do exist.

Rating              Built In Coverage is part of the base gl premium. Optional Limits are rated off of number of
                    employees with a $125 minimum premium. (Base rate x State Mod x Hazard Mod x ILF x
                    Retention factor Base Rate = # employees x rate per employee) SHARED WITH EPLI.


Confidential – Internal Only                                                                         Page 16 of 68
                            FIDUCIARY LIABILITY COVERAGE FORM
THIS IS A CLAIMS MADE COVERAGE FORM. PLEASE READ ALL PROVISIONS AND CONTACT YOUR AGENT
IF YOU HAVE ANY QUESTIONS. THIS INSURANCE APPLIES ONLY TO "WRONGFUL ACTS" THAT OCCUR
BETWEEN THE RETROACTIVE DATE AND THE END OF THE "POLICY PERIOD." THIS INSURANCE APPLIES
ONLY TO "CLAIMS" FIRST MADE AGAINST THE INSURED AFTER THE INCEPTION DATE AND BEFORE THE
END OF THE "POLICY PERIOD" OR ANY APPLICABLE EXTENDED REPORTING PERIOD AND REPORTED TO
US IN ACCORDANCE WITH THE PROVISIONS OF THIS FORM. UPON TERMINATION OF YOUR POLICY AN
AUTOMATIC EXTENDED REPORTING PERIOD WILL BE PROVIDED, AND A SUPPLEMENTAL EXTENDED
REPORTING PERIOD WILL BE AVAILABLE.



Various provisions in this Coverage Form restrict coverage. Read the entire Coverage Form carefully to determine
rights, duties and what is and is not covered.
Throughout this Coverage Form the terms "you" and "your" refer to the Named Insured shown in the Declarations,
and any other person or organization qualifying as a Named Insured under this policy." The terms "we," "us" and
"our" refer to the Stock Insurance Company named on the Declarations providing this insurance.
The word "insured" means any person or organization qualifying as such under Section II – Who Is An Insured.
Other words and phrases that appear in quotation marks have special meaning. Refer to Section III – Definitions.


SECTION I – INSURING AGREEMENTS                                  No other obligation or liability to pay sums or
                                                                 perform acts or services is covered unless explicitly
A. Coverage                                                      provided    for    under     paragraph    1.D.      –
                                                                 Supplementary Payments
    We will pay those sums in excess of the deductible
    and subject to the limits of liability that the Insured   B. Defense
    becomes legally obligated to pay as "damages"
    because of a claim resulting from a "wrongful act"           We have the right and duty to defend all "suits,"
                                                                 even if the allegations are groundless, false or
    provided:
                                                                 fraudulent. We shall have the right to appoint
    1. The "wrongful act" takes place in the "coverage           counsel and to make such investigation and
       territory";                                               defense of a "suit" as we deem necessary.
                                                                 Alternatively we may, at our option, give our written
    2. The "wrongful act" did not occur before the
                                                                 consent to the defense of any such "suit" to the
       Retroactive Date, if any, shown in the
                                                                 insured. Our obligation to defend any "suit" or pay
       Declarations nor after the end of the "policy
                                                                 any "damages" and "defense expenses" for any
       period"; and
                                                                 "claim" shall be completely fulfilled and
    3. A "claim" arising out of a "wrongful act" is first        extinguished if the limit of insurance has been
       made against an insured, during the "policy               exhausted by payment of "damages" or "defense
       period" or Extended Reporting Period, if                  expenses."
       applicable and is reported to us in accordance
                                                              C. Consent To Settle
       with Section VIII, Conditions, paragraph C,
       Duties in the event of a "Claim"; and                     We shall not settle a "claim" without your written
                                                                 consent . If you refuse to consent to a settlement or
    4. Prior to the inception date of this Coverage
       Form:                                                     compromise recommended by us, and acceptable
                                                                 to the claimant, then the applicable limit of
        a. The Insured did not give notice to a prior            insurance under this Coverage Form shall be
           insurer of a "related claim";                         reduced to the amount for which the "claim" could
        b. The Insured did not give notice to a prior            have been settled plus all "defense expenses"
           insurer of any such "wrongful act" or                 incurred up to the time we made our
           "interrelated wrongful act."                          recommendation.
                                                              D. Supplementary Payments

Confidential – Internal Only                                                                      Page 17 of 68
    We will pay, with respect to any "claim" or "suit" we   B. "Coverage territory" means:
    investigate or settle, or any "suit" against an
                                                                1. The United States of America (including its
    insured we defend all "defense expenses." These
                                                                   territories or possessions) and Puerto Rico; or
    payments are included within and reduce the Limits
    of Insurance.                                               2. All parts of the world if the "insured's"
                                                                   responsibility to pay "damages" is determined
SECTION II – WHO IS AN INSURED
                                                                   in a "suit" on the merits brought in the territory
A. If you are designated in the Declarations as:                   described in Paragraph 1. above or in a
                                                                   settlement of a "claim" that we agree to.
    1. A partnership or joint venture, you are an
       insured. Your partners or members are also           C. "Damages" means sums, settlements, judgments
       insureds.                                               (including any award of pre-judgment and post-
                                                               judgment interest) for which you are legally
    2. A limited liability company, you are an insured.        obligated to pay on account of a covered "claim."
       Your members and managers are also                      "Damages" shall not include:
       insureds.
                                                               1. Any taxes, sanctions, criminal or civil fines, or
    3.    An organization other than a partnership, joint           penalties imposed by law other than:
         venture or limited liability company, you are an           a. The five percent or less or the twenty
         insured. Your directors, officers and trustees                 percent or less penalty imposed upon an
         are also insureds.                                             insured as a Fiduciary under Section 502(i)
                                                                        or 502(l) of ERISA;
B. Your "plans" and their employees, directors,
   officers and trustees are also insureds.                         b. Those civil fines or penalties imposed
                                                                        under 42 USC 1320d-5(a) the Health
D. Your employees are also insureds, unless                             Insurance Portability and Accountability Act
   otherwise excluded in this policy.                                   of 1996 provided however that our
                                                                        maximum limit of insurance for all such
E. Any organization you newly acquire or form, other
                                                                        fines and penalties shall be $10,000 in the
   than a partnership, joint venture or limited liability               aggregate, regardless of the number of
   company, and over which you maintain ownership                       "claims" made or Insureds covered under
   or majority interest, will qualify as a Named Insured                this Coverage Form. This sublimit of
   if no other similar insurance applies to that                        insurance is part of and not in addition to
   organization. You must notify us of such acquisition                 the limit of insurance set forth on the
   or formation as soon as practicable. However,                        Declarations.
   coverage under this provision:                              2. Any amount for which an "insured person" is
    1. Is afforded only until the 90th day after you                absolved from payment by reason of any
       acquire or form the organization, or until the               covenant, agreement or court order;
       end of the "policy period," whichever is earlier;       3. Any matters deemed uninsurable under the law
       and                                                          pursuant to which this Policy is construed.
    2. Does not apply to an offense committed before            Notwithstanding anything to the contrary above,
       you acquired or formed the organization.                 "damages" shall include punitive or exemplary
                                                                damages, if insurable, to the fullest extent
No person or organization is an insured with respect to
                                                                permitted by any applicable law. Where you
the conduct of any current or past partnership, joint
                                                                reasonably determine that punitive, exemplary or
venture or limited liability company that is not shown as       multiple damages are insurable under any
a Named Insured in the Declarations.
                                                                applicable law, we shall not challenge that
SECTION III – DEFINITIONS                                       determination of insurability.
The following defined words shall have the same             D. "Defense expenses" means all fees charged by
meaning throughout this Coverage Form, whether                 attorneys designated by us, or by you, with our
expressed in the singular or the plural.                       written consent and all other reasonable and
                                                               necessary fees, costs and expenses resulting from
                                                               the investigation, adjustment, defense and appeal
A. "Claim" means:                                              of a "claim" if incurred by us or you with our written
                                                               consent, including the costs of appeal, attachment
    1. A "suit"; or                                            or similar bonds. We have no obligation to provide
    2. A written demand for monetary or non-                   such bonds. "Defense Expenses" shall not include
       monetary damages made against an insured,               salaries, wages, fees, overhead or benefit
       arising out of a "wrongful act,"

Confidential – Internal Only                                                                      Page 18 of 68
     expenses associated with the directors, officers,     L. "Welfare Plan" means any employee welfare
     and employees of yours.                                  benefit plan as defined in 29 U.S.C. §1002 subject
                                                              to regulation under ERISA or any Similar Act.
E. "Domestic Partner" means any person qualifying
                                                              Welfare Plan shall not include an excess benefit
   as such under any federal, state or local laws or
                                                              plan as defined in 29 U.S.C. §1002.
   under your employee benefit plans.
                                                           M. "Policy Period" means the period from the
F. "ERISA or any Similar Act" means the Employee
                                                              effective date of this Coverage Form to the
   Retirement Income Security Act of 1974, as
                                                              expiration date stated on the Declarations, or its
   amended, or any similar common or statutory law
                                                              earlier cancellation date.
   of the United States, Canada or their states,
   territories or provinces or any other jurisdiction      N. "Pollutants" means any substance exhibiting
   anywhere in the world.                                     hazardous characteristics as, is or may be defined
                                                              or identified on any list of hazardous substances
G. "Executive officer" means your chairperson, chief
                                                              issued by the United States Environmental
   executive officer, president, chief financial officer
                                                              Protection Agency or any state or local or foreign
   and in-house general counsel;
                                                              counterpart. "Pollutants" also means, without
H. "Insured Persons" means all of those natural               limitation, any solid, liquid, gaseous or thermal
   person insureds who are your partners, trustees,           irritant or contaminant, including smoke, vapor,
   members, managers, "executive officers," directors         soot, fumes, acids, alkalis, chemicals or waste
   and employees                                              (including materials to be recycled, reconditioned
                                                              or reclaimed), as well as any air emission, odor,
I.   "Interrelated Wrongful Acts" means any
                                                              waste water, oil or oil products, infectious or
     "wrongful acts" which are logically or causally          medical waste, asbestos, or asbestos products or
     connected by reason of any common fact,                  any noise.
     circumstance, situation, transaction or event.
                                                           O. "Related claims" mean all claims arising out of a
J    "Pension Plan" means any employee pension
                                                              single "wrongful act" or arising out of "interrelated
     benefit plan as defined in 29 U.S.C. §1002 subject
                                                              wrongful acts."
     to regulation under "ERISA or any Similar Act."
     "Pension plan" shall not include an excess benefit    P. "Suit" means a formal civil, criminal,
     plan as defined in 29 U.S.C. §1002 or an employee        administrative, or regulatory proceeding or
     stock ownership plan as defined in 26 U.S.C.             investigation or an arbitration against an "insured,"
     §4975.                                                   including any appeal therefrom.
K. "Plan" means:                                           Q. "Wrongful act" means any actual or alleged error,
                                                              misstatement, misleading statement, act, omission,
     a. Any "welfare plan" which was, is now, or
                                                              neglect or breach of duty by the insureds in the
        hereafter becomes, sponsored solely by you,           discharge of their duties in their capacities, or
        or sponsored jointly by you and a labor
                                                              solely by reason of their status as fiduciaries or
        organization, solely for the benefit of your
                                                              administrators (as defined in "ERISA or any similar
        employees;
                                                              act") of any "plan," including, without limitation:
     b. Any "pension plan" which was, on or prior to
                                                               (i) Counseling employees, beneficiaries or "plan"
        the effective date of this Policy, sponsored               participants with respect to any "plans";
        solely by you, or sponsored jointly by you and
        a labor organization, solely for the benefit of        (ii) Providing interpretations with respect to any
        your employees;                                             "plan";
     c. Any "pension plan" which, after the effective          (iii) Handling records in connection with any "plan";
        date of this Policy, becomes sponsored solely
                                                               (iv) Enrolling, terminating or canceling employees
        by you, or jointly by you and a labor
                                                                    under any "plan"; or
        organization, solely for the benefit of your
        employees, if and to the extent coverage with          (v) Otherwise performing or failing to perform
        respect such "pension plan" is afforded                    "ERISA or any similar act" obligations relating
        pursuant to Section XIV.1 of the General                   to any "plan."
        Terms & Conditions of this Policy; or
                                                           SECTION IV– EXTENDED REPORTING PERIOD
     d. Any government-mandated insurance for
                                                           A. If the first Named Insured cancels or non-renews
        workers' compensation, unemployment, social
                                                              this Coverage Form or if we decide not to offer any
        security or disability benefits for employees of
                                                              renewal terms for this Coverage Form, the first
        Named Company or any Subsidiary.

 Confidential – Internal Only                                                                    Page 19 of 68
    Named Insured shall have the right to purchase,               3. Pollution
    upon payment of an additional premium not to                     Based upon, directly or indirectly arising out of
    exceed 200% of the annual premium for this                       or in any way involving: any nuclear reaction,
    coverage, an extension of this Coverage Form for a               radiation or contamination, or any actual,
    period of 12 months immediately following the end                alleged or threatened discharge, release,
    of the "policy period," but only with respect to any             escape, or disposal of, or exposure to,
    "wrongful act" committed before the earlier of the               "pollutants"; any request, direction or order that
    end of the "policy period";                                      any of the insureds test for, monitor, clean up,
                                                                     remove, contain, treat, detoxify, neutralize or in
    This period shall be referred to as the Extended                 any way respond to or assess the effect of
    Reporting Period.                                                "pollutants" or nuclear reaction, radiation or
B. As a condition precedent to the right to purchase                 contamination, or any voluntary decision to do
   the Extended Reporting Period, the total premium                  so; or any actual or alleged property damage,
   for this Coverage Form must have been paid. The                   or bodily injury, sickness, disease or death of
                                                                     any person resulting from any of the
   right to purchase the Extended Reporting Period
                                                                     aforementioned matters.
   shall end unless we receive written notice and full
   payment of the premium for such period within 30          4.       Prior Wrongful Acts of Subsidiaries
   days after the end of the "policy period."
                                                                      For:
C. If the Extended Reporting Period is purchased, the
                                                                      (a) Any "wrongful act" by an insured of any of
   entire premium shall be deemed fully earned at its
                                                                          your subsidiaries, or by such subsidiary
   commencement without any obligation by us to
                                                                          occurring before the date such entity
   return any portion thereof.
                                                                          became a subsidiary, or
D. There is no separate or additional limit of insurance
                                                                      (b) Any other "wrongful act," whenever
   for the Extended Reporting Period.
                                                                          occurring, which, together with a "wrongful
SECTION V- LIMIT OF INSURANCE                                             act" described in (a) above, would
                                                                          constitute "interrelated wrongful acts."
    Your rights and ours are stated in the attached
    Single Limit of Insurance Endorsement For                5.  Assumed Liability
    Employment Practices/Fiduciary Liability Coverage            Based upon, directly or indirectly arising out of
    Forms                                                        or in any way involving the insured's
SECTION VI - EXCLUSIONS                                          assumption of the liability of others in any oral
                                                                 or written contract or agreement, unless such
A. Exclusions Applicable to Damages and Defense                  liability would have attached to an Insured in
   Expenses                                                      the absence of such agreement.
    We will not be liable to pay any "damages" or          B. Exclusions Applicable to Non-Monetary Relief
    "defense expenses" under this Coverage Form in                We will not be liable to pay any "damages" under
    connection with any "claim" made against an                   this Coverage Form that represent:
    insured:
                                                                  1. The return or reversion to you of any
    1. Bodily Injury/Property Damage                                 contribution or asset of any "plan";
       For any actual or alleged bodily injury                    2. Any costs incurred by an insured to comply
       (including death), sickness, disease of any                   with any order for remedial, preventive,
       person, or damage to or destruction of any                    injunctive or other non-monetary relief, or to
       tangible property including loss of use;                      comply with an agreement to provide such
    2. Violation of Law                                              relief;
       For any actual or alleged violation of any law             3. Benefits due or to become due under any
       governing          workers'       compensation,               "plan," or benefits which would be due under
       unemployment insurance, social security,                      any "plan" if such "plan" complied with all
       disability benefits or any other similar federal,             applicable law, except to the extent that:
       state or local statutory or regulatory law or                  i.     An "insured person" is legally obligated to
       common law anywhere in the world except the
                                                                             pay such benefits as a personal obligation,
       Consolidated Omnibus Budget Reconciliation
                                                                             and
       Act of 1985 or the Health Insurance Portability
       and Accountability Act of 1996 or any                          ii. Recovery for the benefits is based upon a
       amendments to such laws or any rules or                            covered "wrongful act"; or
       regulations promulgated under such laws.


Confidential – Internal Only                                                                         Page 20 of 68
   4. An employer's contributions owed to a "plan"           Then any "claim" otherwise covered pursuant to
      and other amounts for which the insureds are           this Coverage Form which is subsequently made
      legally obligated to pay by reason of the failure      and which arises out of such "wrongful act" shall be
      to collect such contributions.                         deemed to have been first made and reported to us
SECTION VII – CONDITIONS                                     by you at the time we received such written notice.
                                                             No coverage is provided for fees and expenses
A. Bankruptcy                                                incurred prior to the time such notice results in a
   Bankruptcy or insolvency of the insured or of the         "claim."
   "insured's" estate will not relieve us of our          D. When a "Claim" is Deemed Made
   obligations under this policy.
                                                             A "claim" shall be deemed made:
B. Duties In The Event Of A "Claim"
                                                             1. In the case of a civil, criminal, administrative or
   1. If, during the "policy period' or any Extended            regulatory proceeding or arbitration, on the
      Reporting Period, if applicable, any "claim" is           earliest of the date of service upon or other
      first made against the "insured," the insured             receipt by the insured of a complaint,
      shall, as a condition precedent to our                    indictment, notice of charge or similar
      obligations under this Coverage Form, give us             document against the insured in such
      written notice as soon as practicable but in no           proceeding or arbitration;
      event later than ninety (90) days after the end
      of the "policy period" or the Extended                 2. In the case of an investigation, on the earliest
      Reporting Period, if applicable.                          of the date of service upon or other receipt by
                                                                the insured of a written notice or subpoena
   2. You must:                                                 from the investigating authority identifying such
       a. Immediately send us copies of any                     "insured person" as an individual against whom
          demands, notices, summonses or legal                  a formal proceeding may be commenced;
          papers received in connection with the             3. In the case of a written demand for monetary
          "claim";                                              damages or non monetary relief, upon the
       b. Authorize us to obtain records and other              insured's receipt of such written demand.
          information; and                                E. Other Insurance
       c. Cooperate with us in the investigation or          The Other Insurance clause, Section H. of the
          settlement of the "claim" or defense of the        Common Policy Conditions is deleted and replaced
          "suit."                                            with the following:
   3. No insured shall voluntarily make a payment,           If any "damages" and "defense expenses" resulting
      assume any obligation, or incur any expense            from any "claim" are insured under any other
      without our written consent.                           policies, this Coverage Form shall apply only to the
C. Duties in the Event of A "Wrongful Act" That              extent the "damages" and "defense expenses"
   May Result In A "Claim"                                   exceed the amount paid under such other
                                                             insurance, whether such other insurance is stated
   If, during the "policy period," you first become          to be primary, contributory, excess, contingent or
   aware of a specific "wrongful act" which may              otherwise, unless such other insurance is written
   reasonably give rise to a future "claim," and during      only as specific excess insurance over this
   the "policy period" give written notice to us of:         Coverage Form.
   1. The names of any potential claimants and a          F. Section IV. Estates, Legal Representatives and
      description of the "wrongful act" which forms          Spouses/Domestic Partners
      the basis of their potential "claim";
                                                             Section L. of the Common Policy Conditions,
   2. The identity of the specific insureds allegedly
                                                             Transfer Of Your Rights And Duties Under This
      responsible for such specific "wrongful act";
                                                             Policy, is deleted in its entirety and replaced as
   3. The consequences which have resulted or may            follows:
      result from such specific "wrongful act";
   4. The nature of the potential monetary damages           The estates, heirs, legal representatives, assigns,
      which may be sought in consequence of such             spouses and any "domestic partner" of "insured
      specific "wrongful act"; and                           persons" shall be considered insureds under this
                                                             Coverage Form; provided, however, coverage is
   5. The circumstances by which you first became            afforded    to   such     estates,   heirs,   legal
      aware of such specific "wrongful act";                 representatives, assigns and spouses only for a

Confidential – Internal Only                                                                   Page 21 of 68
     "claim "arising solely out of their status as such           2. When the limit of insurance has actually been
     and, in the case of a spouse or "domestic partner,"             exhausted by payments of "damages" or
     where such "claim" seeks damages from marital                   "defense expenses," we will:
     community property, jointly held property or
     property transferred from the "insured person" to                 a. Notify the first "named insured" in writing,
     the spouse or "domestic partner." No coverage is                     as soon as practicable, that such limit has
     provided for any act, error or omission of an estate,                been exhausted and that our obligations
     heir, legal representative, assign, spouse or                        under this Coverage Form shall be
     "domestic partner." All terms and conditions of this                 deemed completely fulfilled and
     Coverage Form, including without limitation the                      extinguished;
     deductible applicable to "damages" and "defense
                                                                       b. Initiate, and cooperate in, the transfer of
     expenses" incurred by the "insured person" shall
     also apply to "damages" and "defense expenses"                       control, to any appropriate insured, of all
     incurred    by    such     estates,   heirs,    legal                open "claims" to you; and
     representatives, assigns, spouses and "domestic                   c. Take such steps, as we deem appropriate,
     partners."                                                           to avoid a default in, or continue the
G. No Action Against Us                                                   defense of, such "claims" until such
                                                                          transfer is completed, provided you are
     1. No action shall be taken against us unless, as                    cooperating in completing such transfer.
        a condition precedent, there shall have been
        full compliance with all the provisions of this           3.   Upon receipt of such notice, you, must:
        Coverage Form nor until the amount of your                     a. Cooperate in the transfer of control of
        obligation to pay shall have been finally                         "claims"; and
        determined either by final and nonappealable
        judgment against you after trial or by written                 b. Arrange for the defense of such "claim"
        agreement by you, the claimant and us.                            within such time period as agreed to
                                                                          between you and us. Arrangements for the
     2. No person or organization shall have any right                    defense of such "claim" must be made as
        under this Coverage Form to join us a party to                    soon as practicable.
        any "suit" against you to determine your
        liability, nor shall we be impleaded by you or            4. We will take no action with respect to defense
        your legal representatives in any such "suit."               for any "claim" if such "claim" is reported to us
                                                                     after the applicable limit of insurance is
H. Transfer Of Rights Of Recovery Against Others                     exhausted. It becomes the your responsibility
   To Us                                                             to arrange defense for such "claim."
     If the insured has rights to recover all or part of any      5. You will reimburse us as soon as practicable
     payment we have made under this Coverage Form                   for expenses we incur in taking those steps we
     those rights are transferred to us. The insured must            deem appropriate in accordance with
     do nothing after a "claim" is made to impair them.              Paragraph 2. above.
     At our request, the insured will bring "suit" or
     transfer those rights to us and help us enforce              6. The exhaustion of the applicable limit of
     them.                                                           insurance and the resulting end of our duty to
                                                                     defend will not be affected by our failure to
     In no event shall the insured be entitled to recoup             comply with any of the provisions of this
     from recoveries any amount to satisfy any                       Condition.
     deductible until after all amounts which we are
     required to pay or do pay under this Coverage             J. Named Insured Authorization
     Form are reimbursed to us.                                   The insureds agree that the first named insured will
I.   Transfer Of Duties When Limit Of Insurance Is                act on behalf of all insureds with respect to giving
     Exhausted                                                    of all notice to us (except notices provided in
                                                                  Section VII. Paragraph B and C), the receipt of
     1. If we conclude that, based on "claims" which              notices from us, the payment of the premiums, the
        have been reported to us and to which this                receipt of any return premiums that may become
        insurance may apply, the limit of insurance is            due under this Coverage Form, and the
        likely to be exhausted in the payment of                  acceptance of endorsements.
        "damages" or "defense expenses," we will
        notify the first named insured, in writing, to that    K. Assignment of Interest
        effect;



 Confidential – Internal Only                                                                       Page 22 of 68
   Assignment of interest under this Coverage Form
   shall not bind us unless its consent is endorsed to
   this Coverage Form.
L. Common Policy Conditions
   Unless otherwise stated in this Coverage Form, all
   of the terms and conditions of the Businessowners
   Common Policy Conditions shall be included and
   incorporated into this Coverage Form.




Confidential – Internal Only                             Page 23 of 68
Title            Exclusion – Products-Completed Operations               Form Number      SB-147213-A
                 Hazard And Leased Products

Description      Takes away Bodily Injury or Property Damage coverage for Finished Products

Dec Page         Yes. Dec page should show "Excluded" under limit for PRODUCTS-COMPLETED
                 OPERATIONS

State            None. Forms are common to all states
Exceptions

Class            Forms are class specific; Available to Wholesale and Manufacturing Industry Groups ONLY;
Exceptions

Dependencies     Must have General Liability coverage

Location         Insureds are added at policy level

Generation       Form should generate any time this option is selected

Form Tags        None. Forms are all text with no variable fields

Comments

Rating           Rating factor included in base algorithm.



         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
           EXCLUSION – PRODUCTS-COMPLETED OPERATIONS HAZARD
                          AND LEASED PRODUCTS
This endorsement modifies insurance provided under the following:
    BUSINESSOWNERS LIABILITY COVERAGE FORM


A. This insurance does not apply to "bodily injury" or "property damage" included within the "products-completed
   operations hazard."
B. The definition of "your product" is replaced by the following:
   "Your product":
   a. Means:
       (1) Any goods or products, other than real property, manufactured, sold, handled, distributed, leased or
           rented to others or disposed of by:
           (a) You;
           (b) Others trading under your name; or
           (c) A person or organization whose business or assets you have acquired; and
       (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods
           or products.
   b. Includes:
       (1) Warranties or representations made at any time with respect to the fitness, quality, durability,
           performance or use of "your product"; and
       (2) The providing of or failure to provide warnings or instructions.
Confidential – Internal                                                                Page 24 of 68
    c. Does not include vending machines or other property located for the use of others but not sold, rented or
       leased.



Title                Fellow Employee Suits                                Form Number          SB-300009-A

Description          Modifies the definition of an insured. Provides coverage for bodily injury to an employee
                     caused by an employee

Dec Page             No. Coverage is a definitional change, as outlined in the form itself

State                None. Form is common to all states
Exceptions

Class                None. Form is common to all eligible classes
Exceptions

Dependencies         Must have General Liability Coverage

Location             Provides coverage on a per occurrence basis

Generation           This form should generate any time this option is selected

Form Tags            None. Form is all text with no variable fields.

Comments

Rating               Flat charge.



         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                      FELLOW EMPLOYEE SUITS
This endorsement modifies insurance provided under the following:
    BUSINESSOWNERS LIABILITY COVERAGE FORM


A. Provisions 2.a.(1)(a), (b) and (c) of Section C. – WHO IS AN INSURED are replaced by the following:
    (1) "Personal and advertising injury":
         (a) To you or to a co-"employee" while that co-"employee" is either in the course of his or her employment;
         (b) To the spouse, child, parent, brother or sister of that co-"employee" as a consequence of such "personal
             and advertising injury";
         (c) For which there is any obligation to share damages with or repay someone else who must pay damages
             because of the injury described in Paragraphs (1)(a) or (b) above; or
B. Provision 3.a. of SECTION C. – WHO IS AN INSURED IS DELETED.




Confidential – Internal                                                                      Page 25 of 68
Form/Coverage Overview:

Title            Damage to Premise Rented to You – Legal               Form Number           NO FORM
                 Liability Increased Limits

Description      Offers increased limits over what is included in the Businessowners Liability Coverage Form

Dec Page         Yes. Limit must show as a line item at policy level on the Dec

State            None. Form is common to all states
Exceptions

Class            None. Form is common to all eligible classes
Exceptions

Dependencies     Must have General Liability Coverage; Cannot > GL limit;

Location         Provides coverage on a per occurrence basis

Generation       This form should generate any time this option is selected

Form Tags        None. Form is all text with no variable fields.

Comments         Built In/Minimum Limit $300,000

Rating           Priced per $1,000 in limit that is excess of $300,000.



Title            Garagekeepers Coverage                                Form Number           SB-300011-B

Description      Provides physical damage coverage for customers' autos.

Dec Page         Yes. Line item at location Level. Line item: Garage keepers (direct primary or legal liability),
                 Line item: Comp limit and Collision limit. Line Item: Comp per occurrence/aggregate deductible
                 combination; Select one of the following options: DIRECT PRIMARY. If the declarations state
                 this coverage applies, coverage applies without regard to the ―insured‘s‖ legal liability for ―loss‖
                 to a ―customer‘s auto‖ and is primary insurance. LEGAL LIABILITY. If the declarations state this
                 coverage applies, coverage applies on the basis of the ―insured‘s‖ legal liability.

State            None. Form is common to all states
Exceptions

Class            Mandatory for Garage classes and available to all other classes.
Exceptions

Dependencies     Must have General Liability Coverage

Location         Coverage is per occurrence at the described location

Generation       Form should generate any time a garage class of business is written.

Form Tags        None. Form is all text with no variable fields and refers to the Dec



Confidential – Internal                                                                  Page 26 of 68
Comments              Minimum Limit - $30,000; Maximum Limit - $2,500,000; Deductibles:
                      Comprehensive, $250/$1250 or $500/$2500. On Collision, $500 with no other options; UW
                      REFERRAL > $50,000 LIMIT

Rating                Flat charge.



         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                     GARAGEKEEPERS COVERAGE
None of the terms of the Coverage Part to which this endorsement is attached apply to the insurance provided by
this endorsement, except for the COMMON POLICY CONDITIONS, SUPPLEMENTARY PAYMENTS -
COVERAGES A AND B, which is amended to apply to this insurance, SECTION IV – COMMERCIAL GENERAL
LIABILITY CONDITIONS, the NUCLEAR ENERGY LIABILITY EXCLUSION and the DEFINITIONS Section, as
amended by PROVISION A. of this endorsement.
GARAGEKEEPERS LIABILITY applies on the following coverage basis:
DIRECT PRIMARY. If the declarations state this coverage applies, coverage applies without regard to the insured's
legal liability for loss to a "customer's auto" and is primary insurance.
LEGAL LIABILITY. If the declarations state this coverage applies, coverage applies on the basis of the insured's
legal liability.

PROVISIONS
A.       WORDS AND PHRASES WITH SPECIAL MEANING
     As used in this GARAGEKEEPERS COVERAGE endorsement:
     1. "Customer's Auto" means a customer's land motor vehicle or trailer or semitrailer. This definition also includes
        any "customer's auto" while left with you for service, repair, storage, parking or safekeeping. Customers
        include your "employees" and members of their households who pay for services performed.
     2. "Garage Operations" means the ownership, maintenance or use of locations for the purpose of selling,
        servicing, repairing, parking or storing "customer's autos" and that portion of the roads or other accesses that
        adjoin these locations. "Garage operations" also includes all operations necessary or incidental to the
        performance of garage operations.
     3. "Work you performed" includes work that someone performed for you.
     4. "Loss" means direct and accidental loss or damage and includes any resulting loss of use.

B.       WE WILL PAY
     1. We will pay all sums the insured legally must pay as damages for "loss" to a "customer's auto" or
        "customer's auto" equipment left in the insured's care while the insured is attending, servicing, repairing,
        parking or storing it in your "garage operations" under:
         a. Comprehensive Coverage. From any cause except:
             (1) The "customer's auto" collision with another object; or
             (2) The "customer's auto" overturn.
         b. Collision Coverage. Caused by:
             (1) The "customer's auto" collision with another object; or
             (2) The "customer's auto" overturn.
     2. We will have the right and duty to defend any insured against a "suit" seeking these damages. However, we
        have no duty to defend any insured against a "suit" seeking damages for loss to which this insurance does
        not apply. We may investigate and settle any claim or "suit" as we consider appropriate. Our duty to defend

Confidential – Internal                                                                      Page 27 of 68
         or settle ends for a coverage when the Limit of Insurance for that coverage has been exhausted by payment
         of judgments or settlements.

C. WE WILL NOT COVER – EXCLUSIONS
     1. This insurance does not apply to any of the following:
         a. Contractual Operations. Liability resulting from any contract or agreement by which the insured
            accepts responsibility for "loss".
         b. Theft. "Loss" due to theft or conversion caused in any way by you, your "employees", or by your
            partners, members, directors or shareholders.
         c. Defective Parts. Defective parts or materials.
         d. Faulty Work. Faulty "work you performed".
     2. We will not pay for "loss" to any of the following:
         a. Tape decks or other sound reproducing equipment unless permanently installed in a "customer's auto".
         b. Tapes, records, compact discs or other sound reproducing devices designed for use with sound
            reproducing equipment.
         c. Sound receiving equipment designed for use as a citizen's band radio, two-way mobile radio or
            telephone or scanning monitor receiver, including its antennas and other accessories, unless
            permanently installed in the dash or console opening normally used by the "customer's auto"
            manufacturer for the installation of a radio.
         d. Equipment designed or used for the detection or location of radar.

D. WHO IS AN INSURED
     The following are insureds for loss to "customer's autos":
     1. You.
     2. Your partners, "employees", directors or shareholders while acting within the scope of their duties as such.
     3. If you are designated in the Declarations as an individual, your spouse is an insured, but only with respect to
        the conduct of a business of which you are the sole owner.
     4. If you are designated in the Declarations as a partnership or joint venture, your members, partners and their
        spouses are also insureds, but only with respect to the conduct of your business.
     5. A limited liability company, you are an insured. Your members are also insureds, but only with respect to the
        conduct of your business. Your managers are insureds, but only with respect to their duties as your
        managers.
     6. A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees.

E.       LIMIT OF INSURANCE AND DEDUCTIBLE
     1. Regardless of the number of "customer's autos", insureds, premiums paid, claims made or "suits" brought,
        the most we will pay for each loss at each location is the Garagekeepers Coverage Limit of Insurance shown
        in the Declarations for that location minus the applicable deductibles for loss caused by collision, theft or
        mischief or vandalism.
     2. The maximum deductible stated in the Declarations for Garagekeepers Coverage Comprehensive is the
        most that will be deducted for all "loss" in any one event caused by theft or mischief or vandalism.
     3. Sometimes to settle a claim or "suit", we may pay all or any part of the deductible. If this happens you must
        reimburse us for the deductible or that portion of the deductible that we paid.
     4. Any deductible will apply only to the amount of "loss" and will not reduce our limit of liability.
     5. The Garagekeepers Coverage Limits are additional limits and do not reduce the per occurrence or

Confidential – Internal                                                                        Page 28 of 68
         aggregate limits under the BUSINESSOWNERS LIABILITY COVERAGE FORM.

F.       LOSS CONDITIONS
     1. Appraisal For Garagekeepers Loss
         If you and we disagree on the amount of loss, either may demand an appraisal of the loss. In this event, each
         part will select a competent appraiser. The two appraisers will select a competent and impartial umpire.
         The appraisers will state separately the actual cash value and amount of "loss". If they fail to agree, they will
         submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will:
         a. Pay its chosen appraiser; and
         b. Bear the other expenses of the appraisal and umpire equally.
         If we submit to an appraisal, we will still retain our right to deny the claim.

     2. Loss Payment – Garagekeepers Coverage
        At our option we may
        a. Pay for, repair or replace damaged or stolen property;
         b. Return the stolen property, at our expense. We will pay for any damage that results to the "customer's
            auto" from the theft; or
         c. Take all or any part of the damaged or stolen property at an agreed or appraised value.



Title              Hired Auto and Nonowned Auto Liability                       Form Number      SB-146902-A
                   Endorsement

Description        Adds coverage to General Liability for Hired and Nonowned Autos

Dec Page           Line item at Policy Level to display the Hired Auto Limit and/or the Nonowned Auto Limit.

State              None
Exceptions

Class              None
Exceptions

Dependencies       Must have General Liability Coverage. Limit cannot exceed GL Limit;

Location           Policy Level Coverage

Generation         Form should generate anytime this option is selected

Form Tags          Yes




Confidential – Internal                                                                       Page 29 of 68
Comments          Options: None, $300,000 (A), $500,000 (B), $1,000,000 (‗C); CNAC Statement : The automobile
                  coverage provided within this extension is on an excess basis over the employees‘ own personal
                  auto coverage. The employee‘s own insurance is primary. The Hired & Non-Owned Automobile
                  Coverage Extension offered on CNA Connect contemplates exposures that are minimal in nature.
                  If your client has more employees using their vehicles for business purposes more than once a
                  week, please contact your underwriter before quoting this coverage. The insured should have a
                  formal written policy on personal use that addresses acceptable business use of personal vehicles,
                  MVR review criteria (no major violations), required minimum personal auto liability limits ($300,000
                  CSL), verification procedures and personal use reimbursement procedures, if the formal policy
                  does not exist, please contact your underwriter before quoting this coverage. If the insured‘s
                  operations include volunteers, valet parking or delivery, please contact your underwriter before
                  quoting this coverage. If the insured owns ANY automobiles, please do not quote HNO coverage
                  on CNA Connect.

Rating            Flat charge.



         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HIRED AUTO AND NONOWNED AUTO LIABILITY
This endorsement modifies insurance provided under the following:
    BUSINESSOWNERS GENERAL LIABILITY COVERAGE FORM

    SCHEDULE
    Insurance is provided only with respect to those coverages for which a specific premium charge is shown:

    COVERAGE                                             ADDITIONAL PREMIUM

     Hired Auto Liability                            $ @@@@@@@@@@@@
     Nonowned Auto Liability                         $ @@@@@@@@@@@@
(If no entry appears above, information required to complete this endorsement will be shown in the Declarations as
applicable to this endorsement.)
PROVISIONS
A. COVERAGE
     If a premium charge is shown in the SCHEDULE above, the insurance provided under Coverage A – Bodily
     Injury and Property Damage Liability applies to "bodily injury" and "property damage" arising out of the
     maintenance or use of a "hired auto" or "nonowned auto." Maintenance or use of a "nonowned auto" includes test
     driving in connection with an "auto business."
B. LIMITS OF INSURANCE
    SECTION D. Liability And Medical Expenses Limits of Insurance is deleted in its entirety and replaced with the
    following:
    D. Limits Of Insurance
         1. Regardless of the number of:
            a. Insureds;
            b. Claims made or "suits" brought;
            c. Persons or organizations making claims or bringing "suits"; or
            d. "Autos,"
            the Hired Auto and Non-Owned Auto Liability Each Occurrence Limit shown in the Declarations is the most

Confidential – Internal                                                                   Page 30 of 68
             we will pay for damages under SECTION A. Coverages because of all "bodily injury" or "property damage"
             arising out of the maintenance or use of a:
             1. "Hired auto" by you or your "employees" in the course of your business; or
             2. "Non-owned auto" by any person other than you in the course of your business, and arising out of any
                one "occurrence."
     The limit of this endorsement applies separately to each consecutive annual period and to any remaining period of
     less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy
     period is extended after issuance for an additional period of less than 12 months. In that case, the additional period
     will be deemed part of the last preceding period for purposes of determining the Limit of Insurance.
C.     EXCLUSIONS
   With respect to the insurance provided by this endorsement:
   1. The exclusions, under Coverage A – Bodily Injury and Property Damage Liability, other than exclusions a., b.,
       d., e., f. and i. and the Nuclear Energy Liability Exclusion (Broad Form) are deleted and replaced by the
       following:
       a. "Bodily injury" to:
            (1) Any fellow "employee" of the insured arising out of and in the course of:
                 (a) Employment by the insured; or
                 (b) Performing duties related to the conduct of the insured's business.
       b. "Property Damage" to:
            (1) Property owned or being transported by, or rented or loaned to the insured;
                    Or
            (2) Property in the care, custody or control of the insured.
D.     WHO IS AN INSURED
   Who Is An Insured is replaced by the following:
   Each of the following is an insured under this insurance to the extent set forth below:
   1. You;
   2. Your “employee” while operating an “auto” hired or rented under a contract or agreement, with your
       permission, in that “employee’s” name, while performing duties related to the conduct of your
       business. (Added with C Version)
   3. Anyone else including any partner or "executive officer" of yours while using with your permission a "hired
       auto" or a "nonowned auto" except:
       a. The owner or lessee (of whom you are a sublessee) of a "hired auto" or the owner or lessee of a
            "nonowned auto" or any agent or "employee" of any such owner or lessee;
       b. Your "employee" if the covered "auto" is owned by that "employee" or a member of his or her household;
       c. Your "employee" if the covered "auto" is leased, hired or rented by him or her or a member of his or her
            household under a lease or rental agreement for a period of 180 days or more;
       d. Any partner or "executive officer" with respect to any "auto" owned by such partner or officer or a member
            of his or her household;
       e. Any partner or "executive officer" with respect to any "auto" leased or rented to such partner or officer or a
            member of his or her household under a lease or rental agreement for a period of 180 days or more;
       f. Any person while employed in or otherwise engaged in duties in connection with an "auto business," other
            than an "auto business" you operate;
       g. Anyone other than your "employees," partners, a lessee or borrower or any of their "employees," while
            moving property to or from a "hired auto" or a nonowned auto"; or
   4. Any other person or organization, but only with respect to their liability because of acts or omissions of an
       insured under 1. or 2. above.
E.     AMENDED DEFINITIONS
   The Definition of "insured contract" in Section F – Definitions is amended by the addition of the following exceptions
   to paragraph f.:


Confidential – Internal                                                                        Page 31 of 68
   Paragraph f. does not include that part of any contract or agreement:
   (4) That pertains to the loan, lease or rental of an "auto" to you or any of your "employees," if the "auto" is loaned,
       leased or rented with a driver; or
   (5) That holds a person or organization engaged in the business of transporting property by "auto" for hire
       harmless for your use of a covered "auto" over a route or territory that person or organization is authorized to
       serve by public authority.
F.     ADDITIONAL DEFINITIONS
   Section F. Definitions is amended by the addition of the following definitions:
       a. "Auto Business" means the business or occupation of selling, repairing, servicing, storing or parking
           "autos."
       b. "Hired auto" means any "auto" you or your “employee” lease, hire, rent or borrow in the course of your
           business. This does not include: (added in C Version)
           i. Any "auto" you lease, hire or rent under a lease or rental agreement for a period of 180 days or more,
                or
           ii. Any "auto" you lease, hire, rent or borrow from any of your "employees," partners, stockholders, or
                members of their households.
       c. "Nonowned auto" means any "autos" you do not own, lease, hire, rent or borrow that are being used in the
           course and scope of your business at the time of an "occurrence." This includes "autos" owned by your
           "employees" or partners or members of their households but only while being used in the course and
           scope of your business at the time of an "occurrence."
           If you are a sole proprietor, "nonowned auto" means any "autos" you do not own, lease, hire, rent or
           borrow that are being used in the course and scope of your business or personal affairs at the time of an
           "occurrence."


Title             Hired Auto Physical Damage                               Form Number           SB-300148-B

Description       Adds coverage to General Liability for physical damage to Hired Autos. $75,000 limit with $250
                  deductible;

Dec Page          Line item at Policy Level to display the Hired Auto Physical Damage.

State             Not available in AK, CA, FL, KY, LA, MA, NE, NV, NH, NY, RI, SC, and VT; Awaiting approval of
Exceptions        filing. Check formnet for latest approval listing.

Class             None
Exceptions

Dependencies      Must have General Liability Coverage.

Location          Policy Level Coverage

Generation        Form should generate anytime this option is selected

Form Tags         No

Comments

Rating            Flat charge.




Confidential – Internal                                                                      Page 32 of 68
       THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
          HIRED AUTO PHYSICAL DAMAGE COVERAGE ENDORSEMENT
This endorsement modifies insurance provided under the following:
      BUSINESSOWNERS LIABILITY COVERAGE FORM

The following provisions of this endorsement apply only as respects Hired Auto Physical Damage
Coverage. All other terms and conditions remain unchanged.
I. The following is added to Section A. Coverages:
   3. Hired Auto Physical Damage
   We will pay for "loss" to a covered "hired auto" or its equipment from any cause.
   We will also cover loss of use of a covered "hired auto" if it results from an accident, you or your “employee”
   are legally liable, and the lessor incurs an actual financial loss, subject to a maximum of $1,000 per accident.
II. The following is added to Section B. Exclusions:
   4. Applicable to Hired Auto Physical Damage Coverage
   We will not pay for "loss" caused by or resulting from any of the following. Such "loss" is excluded regardless of
   any other cause or event that contributes concurrently or in any sequence to the "loss."
   a. Nuclear Hazard
       (1) The explosion of any weapon employing atomic fission or fusion; or
       (2) Nuclear reaction or radiation, or radioactive contamination, however caused.
   b. War or Military Action
       (1) War, including undeclared or civil war;
       (2) Warlike action by a military force, including action in hindering or defending against an actual or
           expected attack, by any government, sovereign or other authority using military personnel or other
           agents; or
       (3) Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering
           or defending against any of these.
   c. We will not pay for "loss" to any covered "hired auto" while used in professional or organized racing or
      demolition contest or stunting activity, or while practicing for such a contest or activity. We will also not pay
      for "loss" to any covered "hired auto" while that covered "hired auto" is being prepared for such a contest or
      activity.
   d. We will not pay for "loss" to any of the following:
       (1) Tape decks or other sound producing equipment unless permanently installed in "hired auto";
       (2) Tapes, records, disks or other similar audio visual or data electronic devices designed for use with
           audio, visual or data electronic equipment;
       (3) Sound receiving equipment designed for use as a citizens' band radio, two-way mobile radio or
           telephone or scanning monitor receiver, including its antennas and other accessories, unless
           permanently installed in the dash or console opening normally used by the "hired auto" manufacturer for
           the installation of a radio; or
       (4) Equipment designed or used for the detection or location of radar.
   e. We will not pay for "loss" caused by or resulting from any of the following unless caused by other "loss" that
      is covered by this insurance:


Confidential – Internal                                                                     Page 33 of 68
        (1) Wear and tear, freezing, mechanical or electrical breakdown; or
        (2) Blowouts, punctures or other road damage to tires.
III. Section C. Who Is An Insured does not apply.
IV. Section D. Liability And Medical Expenses Limits of Insurance is deleted in its entirety and replaced with the
    following.
    D. Limits of Insurance
        The most we will pay for "loss" in any one accident is the lesser of:
        1. The actual cash value of the damaged or stolen property as of the time of the "loss";
        2. The cost of repairing or replacing the damaged or stolen property with other property of like kind and
           quality; or
        3. $75,000.
        Deductible
        We will not pay for loss or damage in any one occurrence until the amount of loss or damage exceeds the
        $250 deductible for each covered "auto." We will then pay the amount of loss or damage in excess of the
        deductible up to the applicable Limit of Insurance.
V. SECTION E. Businessowners General Liability Conditions is deleted in its entirety and replaced with the
   following:
    E. Conditions
        1. Loss Conditions
            a. Appraisal
            If you and we disagree on the amount of "loss," either may demand an appraisal of the "loss." In this
            event, each party will select a competent appraiser. The two appraisers will select a competent and
            impartial umpire. The appraisers will state separately the actual cash value and amount of "loss." If they
            fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be
            binding. Each party will:
            (1) Pay its chosen appraiser; and
            (2) Bear the other expenses of the appraisal and umpire equally. If we submit to an appraisal, we will
                still retain our right to deny the claim.
            If we submit to an appraisal, we will still retain our right to deny the claim.
        b. Duties in the Event of Loss
            (1) In the event of "loss," you must give us or our authorized representative prompt notice of the "loss."
                The notice shall include:
                (a) How, when and where the "loss" occurred; and
                (b) To the extent possible, the names and addresses of any injured persons and witnesses.
            (2) Additionally, you must:
                (a) Assume no obligation, make no payment or incur no expense without our consent, except at
                    your own cost.
                (b) Cooperate with us in the investigation, settlement or defense of any "suit."
                (c) Promptly notify the police if the covered "hired auto" or any of its equipment is stolen.
                (d) Take all reasonable steps to protect the covered "hired auto" from further damage. Also keep a
                    record of your expenses for consideration in the settlement of the claim.
                (e) Permit us to inspect the covered "hired auto" and records proving the "loss" before its repair or

Confidential – Internal                                                                       Page 34 of 68
                  disposition.
              (f) Agree to examination under oath at our request and give us a signed statement of your
                  answers.
          c. Legal Action Against Us
              No person or organization has a right under this policy:
              a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or
              b. To sue us on this policy unless all of its terms have been fully complied with.
              A person or organization may sue us to recover on an agreed settlement or on a final judgment
              against an insured; but we will not be liable for damages that are not payable under the terms of this
              policy or that are in excess of the applicable limit of insurance. An agreed settlement means a
              settlement and release of liability signed by us, the insured and the claimant or the claimant's legal
              representative.
          d. Loss Payment
              At our option we may:
              (1) Pay for, repair, or replace damaged or stolen property; or
              (2) Return the stolen property at our expense. We will pay for any damage that results to the "hired
                  auto" from the theft; or
              (3) Take all or any part of the damaged or stolen property at an agreed or appraised value.
       2. General Conditions
          a. Bankruptcy
              Bankruptcy or insolvency of the Named Insured or the Named Insured's estate will not relieve us of
              any obligations under this endorsement.
          b. Concealment, Misrepresentation or Fraud
              This endorsement is void in any case of fraud by you at any time as it relates to this endorsement. It
              is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material
              fact concerning:
              (1) This endorsement;
              (2) The covered "hired auto";
              (3) Your interest in the covered "hired auto"; or
              (4) A claim under this endorsement.
          c. No Benefit to Bailee
              We will not recognize any assignment or grant any coverage for the benefit of any person or
              organization holding, storing or transporting property for a fee regardless of any other provision of
              this endorsement.
          d. Other Insurance
              (1) For any "hired auto," this endorsement provides primary insurance.
              (2) When this endorsement or any other endorsement provides coverage on the same basis, we
                  will pay only our share. Our share is the proportion that the Limit of Insurance of this
                  endorsement bears to the total of the limits of all the endorsements, coverage forms and policies
                  providing coverage on the same basis.
          e. Policy Period, Coverage Territory
              Under this HIRED AUTO PHYSICAL DAMAGE COVERAGE ENDORSEMENT, we cover "losses"
              occurring:

Confidential – Internal                                                                   Page 35 of 68
                   (1) During the policy period shown in the Declarations; and
                   (2) Within the coverage territory.
                        The coverage territory is:
                   (1) The United States of America;
                   (2) The territories and possessions of the United States of America;
                   (3) Puerto Rico; and
                   (4) Canada.
                   We also cover "loss" to, a covered "hired auto" while being transported between any of these
                   places.
              f.   Transfer of Rights of Recovery Against Others to Us
                   If any person or organization to or for which we make payment under this endorsement, has rights
                   to recover damages from another, those rights are transferred to us. That person or organization
                   must do everything necessary to ensure our rights and must do nothing after "loss" to impair them.
        VI.        The following are added to Section F. Liability And Medical Expenses Definitions:
                   "Hired auto" means any "auto" you or your “employee” lease, hire, rent or borrow under a contract
                   in your or your “employees” name, which is used in connection with your business with a gross
                   vehicle weight of 20,000 lbs. or less. "Auto" includes a trailer with a load capacity of 2,000 lbs. or
                   less. However, this does not include any "auto" that you or your ―employee‖ lease, hire, rent, or
                   borrow:
                   a. From any of your "employees," your partners, or your "executive officers" or members of their
                      household; or
                   b. With a driver; or
                   c.   Without your permission
                   "Loss" means direct and accidental "loss" or damage.
                   (Items in Bold Italics were added with B version).


Title                   Limitation of Coverage to Designated Premises or    Form Number          SB-147108-A
                        Project

Description             This endorsement changes the Businessowners Liability Coverage Form.

Dec Page                No

State                   None
Exceptions

Class                   None
Exceptions

Dependencies            Businessowners Liability Coverage

Location                Policy

Generation              System generated for all policies with the governing SIC Code in the Building Lessors Industry
                        Group. Operator Select for all other policies.



Confidential – Internal                                                                      Page 36 of 68
Form Tags           Yes. Form has a schedule

Comments

Rating              None.



         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                        LIMITATION OF COVERAGE TO DESIGNATED
                                 PREMISES OR PROJECT
This endorsement modifies insurance provided under the following:
    BUSINESSOWNERS LIABILITY COVERAGE FORM
                                                    SCHEDULE*
Premises:




Project:




* Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Declarations.


The following is added to the Businessowners Liability Coverage Form:
This insurance applies only to ―bodily injury,‖ ―property damage,‖ ―personal injury,‖ ―advertising injury‖ and medical
expenses arising out of:
    1. The ownership, maintenance or use of the premises shown in the Schedule and operations necessary or
        incidental to those premises; or
    2. The project shown in the Schedule.



Title               Limited Pollution Liability Extension                 Form Number          SB-300014-B

Description         Provides a limited exception to the pollution exclusion, subject to four conditions precedent to its
                    applicability, at or from the insureds premises or at locations where the insured or any of its
                    contractors or subcontractors are performing operations

Dec Page            Yes Aggregate Limit is at Policy Level;

State               None. Form is common to all states. Not available in IN;
Exceptions




Confidential – Internal                                                                    Page 37 of 68
Class                None. Form is common to all eligible classes
Exceptions

Dependencies         Must have General Liability coverage.

Location             Coverage is per occurrence at the policy level

Generation           Form should generate any time this option is selected.

Form Tags            None. Form is all text with no variable fields

Comments             UW REFERRAL IF COVERAGE IS SELECTED

Rating               Flat charge.




         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                          LIMITED POLLUTION LIABILITY EXTENSION
This endorsement modifies insurance provided under the following:
    BUSINESSOWNERS LIABILITY COVERAGE FORM


A. Exclusion B.1.f. Pollution in Section II – Liability is replaced by the following:
    This insurance does not apply to:
    f.   Pollution
         (1) "Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal,
             seepage, migration, release or escape of "pollutants":
             (a) At or from any premises, site or location which is or was at any time used by or for any insured or
                 others for the handling, storage, disposal, processing or treatment of waste;
             (b) Which are or were at any time transported, handled, stored, treated, disposed of, or processed as
                 waste by or for:
                 (i) Any insured or;
                 (ii) Any person or organization for whom you may be legally responsible; or
             (c) At or from any premises, site or location on which any insured or any contractors or subcontractors
                 working directly or indirectly on any insured's behalf are performing operations if the operations are
                 to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to,
                 or assess the effects of, "pollutants";
             (d) At or from a storage tank or other container, ducts or piping which is below or partially below the
                 surface of the ground or water or which, at any time, has been buried under the surface of the
                 ground or water and then subsequently exposed by erosion, excavation or any other means if the
                 actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of
                 "pollutants" arises at or from any premises, site or location:
                 (i) Which is or was at any time owned or occupied by, or rented or loaned to, any insured; or
                 (ii) Which any insured or any contractors or subcontractors working directly or indirectly on any
                      insured's behalf are performing operations if the "pollutants" are brought on or to the premises,
                      site or location in connection with such operations by such insured, contractor or subcontractor.
                 Subparagraph (d) does not apply to "bodily injury" or "property damage" arising out of heat, smoke
                 or fumes from a "hostile fire".
Confidential – Internal                                                                      Page 38 of 68
        (2) Any loss, cost or expense arising out of any:
              (a) Request, demand, order or statutory or regulatory requirement issued or made pursuant to any
                  environmental protection or environmental liability statutes or regulations that any insured test for,
                  monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess
                  the effects of, "pollutants"; or
              (b) Claim or "suit" by or on behalf of a governmental authority for damages because of testing for,
                  monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing or in any way
                  responding to or assessing the effects of, "pollutants".
             However, this paragraph does not apply to liability for those sums the insured becomes legally obligated to
             pay as damages because of "property damage" that the insured would have in the absence of such
             request, demand, order or statutory or regulatory requirement, or such claim or "suit" by or on behalf of a
             governmental authority.
B. With respect to "bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge,
   dispersal, seepage, migration, release or escape of "pollutants":
    1. The "Each Occurrence Limit" shown in the Declarations does not apply.
    2. Paragraph D.1., Liability And Medical Expenses Limits Of Insurance is replaced by the following:
        1.    The Limits Of Insurance shown in the Declarations and the rules below fix the most we will pay
              regardless of the number of:
              (1) Insureds;
              (2) Claims made or "suits" brought; or
              (3) Persons or organizations making claims or bringing "suits".
    3. The following is added to Paragraph D. Liability And Medical Expenses Limits Of Insurance:
    5. The Limited Pollution Liability Extension Aggregate Limit shown in the Declaration is the most we will pay for
       the sum of all damages because of "bodily injury", "property damage" or medical expenses arising out of the
       actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants".

EXPLANATION OF THIS FORM: It actually extends coverage. The endorsement changes the pollution liability
exclusion within the Base GL Form (SB300000A), It gives back the pollution liability coverage that is excluded under
f. Pollution (1) (d)... in all circumstances, except from a storage tank or other container, ducts or piping which is
below or partially below the surface of the ground, that an insured may have installed on a customer's premises or
filled. Your normal landscapers, etc. would have coverage for their operations. So a contractor who takes
something onto a customer's premises and may have a pollution claim has coverage. The replaces the old
herbicide and pesticide forms and another pollution extension form that were available on TCPP.

Title                  Liquor Liability                                    Form Number          SB-300012-B

Description            This coverage provides coverage for loss due to liquor liability that would otherwise be excluded
                       by policy language. The occurrence limit will be the same as that applicable to all other GL
                       coverages and is subject to the annual aggregate

Dec Page               Yes. Coverage should display at the location level for each location where the coverage has
                       been selected. Display should be – Liquor Liability along with the Liability limit selected.

State                  Not available in: AL, AK, DC, LA, MS, PA, VT, WV; Parts of TX are restricted;
Exceptions

Class                  Not available to the following Class Codes: 51412CA; 51412BC; 51412DT; 51412DY;
Exceptions             51412DX; 51412V; 51412W; 51412D; 51412P; 51412Y; 51412DH; 20820; 20821; 20822;
                       20840; 20841; 65121BA; 65121BB; 65121AQ; 65121AU; 65121BG; 65121AP; 65121AX;
                       65121AR; 65121BF; 65121DC; 65121DF; 65121DG; 59215C;

Dependencies           Must have General Liability Coverage

Confidential – Internal                                                                     Page 39 of 68
Location         Coverage is provided on a per occurrence basis Per location.

Generation       Form should generate any time this option is selected – once per policy.

Form Tags        None. Form is all text with no variable fields

Comments         UW REFERRAL IF COVERAGE IS SELECTED -- AUDITABLE COVERAGE

Rating           Priced per $1,000 in alcoholic beverage sales.




Title            Medical Expenses Exclusion                          Form Number            SB-300013-A

Description      Form eliminates coverage for Medical Expenses coverage that is included with the
                 Businessowners Liability Policy form

Dec Page         Yes. Dec page should show "Excluded" under limit for Medical Expenses Coverage

State            None, form is common to all states
Exceptions

Class            None, form is common to all eligible classes
Exceptions

Dependencies      Must have General Liability Coverage

Location         Coverage is a definitional change to the policy

Generation       Form should generate any time this option is selected

Form Tags        None. Form is all text with no variable fields

Comments

Rating           Rating factor included in base algorithm.



                                        SM
Title            PASSPORT ACCESS             ENDORSEMENT             Form Number            SB-300149-A

Description      This option adds coverage for International Personal Property, International Confiscation,
                 Expropriation, or Nationalization Coverage, Automobile Difference in Conditions Excess
                 Liability, and International Kidnap and Ransom/Wrongful Detention Coverage.

Dec Page         Yes, line item in policy level GL: Passport Access Endorsement

State            Form is available in all approved states. As of this revision: AK, FL, LA, MA, & NY do not have
Exceptions       this coverage option.

Class            None, form is common to all eligible classes
Exceptions


Confidential – Internal                                                               Page 40 of 68
Dependencies         Must have General Liability Coverage

Location            No

Generation          Form should generate any time this option is selected

Form Tags           None. Form is all text with no variable fields

Comments            CNA Central Statement and UW Requirement: Your customer is eligible for Passport Access if
                    the following criteria are met:
                        Less than or equal to 5 international business trips a year (1 individual traveling abroad
                         constitutes 1 trip; therefore 5 people traveling equals 5 trips), and
                        Less than or equal to $1,000,000 in international sales, and
                        Less than or equal to 5 rental vehicles at any one time with less than or equal to a 30 day
                         rental contract, and
                    Countries traveled to are not currently under any OFAC sanctions. Refer to
                    http://www.treas.gov/offices/enforcement/ofac/programs/ for up to date sanctions.

Rating              Flat Charge depending on liability limit.

                     GL Limit       Charge

                     500,000            460

                     1,000,000          490

                     2,000,000          530

         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

                             PASSPORT ACCESSSM ENDORSEMENT

This endorsement modifies insurance provided under the following:

BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM
BUSINESSOWNERS LIABILITY COVERAGE FORM
BUSINESSOWNERS COMMON POLICY CONDITIONS

Various provisions in this endorsement restrict coverage. Read the entire endorsement carefully to determine rights,
duties and what is and is not covered. Words and phrases that appear in quotation marks have special meaning
refer to the definition(s) listed within the coverage part below or Section G of the Businessowners Special Property
Coverage Form for the additional property coverages and Section F of the Businessowners Liability Coverage Form
for the liability coverages.

                                               Schedule of Coverage

                          Coverage                                              Limits of Insurance
 International Business Personal Property                        $10,000
 International Confiscation, Expropriation, or Nationalization   $10,000
 Coverage
 Businessowners Liability Coverage                               Expanded Coverage Territory
 Automobile Difference in Conditions and Excess Liability        $1,000,000
 International Kidnap and Ransom/Wrongful Detention              $25,000
 Coverage
Confidential – Internal                                                                    Page 41 of 68
A. The BUSINESSOWNERS SPECIAL PROPERTY                    "expropriatory action," subject to the Limit of
   COVERAGE FORM, ADDITIONAL COVERAGES                    Liability stated below.
   AND COVERAGE EXTENSIONS are changed as                 This coverage is subject to a "waiting period" of
   follows:                                               120 days from the "date of loss" before
   1. The following Additional Coverage is added:         payment will be made. Valuation of loss shall be
                                                          at actual cash value of property at the time of
       International Business Personal Property           the sustained loss.
       Coverage:
                                                          The most we will pay under this Additional
       When a limit of Insurance is shown in the          Coverage in aggregate, during each separate
       Declarations for Business Personal Property at     12 month period of this policy beginning with
       the described premises, you may extend that        the effective date of this policy is $10,000.
       insurance to apply to direct physical loss of or   A. DISCOVERY PERIOD
       damage to such property caused by or resulting         This policy does not cover any loss
       from a Covered Cause of Loss while:                    described above, unless such loss occurs
       a. Anywhere in the world except the United             or is communicated directly or indirectly to
          States, its territories and possessions,            you prior to the effective date of termination
          Puerto Rico, Canada and any country or              of coverage and is discovered by you and
          jurisdiction which is the subject of trade or       communicated to us in writing prior to one
          economic embargoes imposed by the                   year after the effective date of the
          regulations of the United States of America.        termination of this policy in its entirety.
                                                          B. DEFINITIONS
       b. The most we will pay under this Additional
          Coverage in aggregate, during each                 For those terms not specifically defined in
          separate 12 month period of this policy            this Coverage Section, the definitions in
          beginning with the effective date of this          Section G of the Businessowners Special
          policy, is $10,000.                                Property Coverage Form shall apply.

       c. This coverage is subject to the policy level        1. "Date of loss" means the date during
                                                                 the policy period from which the
          deductible.
                                                                 "waiting period" begins and on which
       d. The Additional Coverage does not apply to              the occurrence resulting in loss first
          property:                                              happens.
           1. While in the custody of a mail service;         2. The Definition of "employee," item 9. in
                                                                 Section G – Definitions of the
           2. Rented or leased to others;                        Businessowners        Special   Property
                                                                 Coverage Form is amended by the
           3. After delivery to customer;                        addition of the following:
           4. Temporarily at a premises for more                  "Employee" means a citizen or
              than 60 consecutive days.                           resident of the United States who is
       e. Additional Property Not Covered:                        hired by you. This includes an
                                                                  employee who normally works in the
           1. "Money" or "Securities."                            United States and is temporarily outside
   The following Additional Coverage is added:                    the United States, includes a "leased
                                                                  worker." "Employee" does not include a
   2. International Confiscation, Expropriation, or               "temporary worker.
      Nationalization Coverage:
                                                                  "Leased worker" means a person
      We will indemnify you against loss sustained to             leased to you by a labor leasing firm
      "personal property" during the policy period:,              under an agreement between you and
       Anywhere in the world except the United States,            the labor leasing firm, to perform duties
       its territories and possessions, Puerto Rico,              related to the conduct of your business.
       Canada and any country or jurisdiction which is            "Leased worker" does not include a
       the subject of trade or economic embargoes                 "temporary worker."
       imposed by the regulations of the United States            "Temporary worker" means a person
       of America, and as a direct result of                      who is furnished to you to substitute for
                                                                  a permanent "employee" on leave or to
Confidential – Internal                                                        Page 42 of 68
               meet seasonal or short term workload               1) Goods or products made or sold by you
               conditions.                                           in the territory described in Paragraph
           3. "Expropriatory action" means any                       a. above;
              action, commencing during the policy                2) The activities of a person whose home
              period, of confiscation, expropriation,                is in the territory described in
              forced abandonment, nationalization,                   Paragraphs a. above, but is away for a
              deprivation, or requisition which is                   short time on your business; or
              directed, authorized, or ratified by the
              government of the country, and                      3) "Personal and advertising injury"
              continues consecutively throughout the                 offenses that take place through the
              "waiting period" to directly, effectively,             internet or similar electronic means of
              arbitrarily and significantly deny or                  communication.
              preclude you from exercising control
              over the use or disposition of a             2. The following is added to Paragraph 1. of
              substantial portion of your property.           Section B – Exclusions:

          4. "Personal Property" means property               q. Foreign Based Operations
             other than money, securities, financial              1) Construction, fabrication, erection or
             instruments and valuable papers, which                  installation operations outside the
             belongs to an "employee" or to you and                  territory described in paragraph a, of
             is used in connection with your                         definition 4. "Coverage Territory" in
             business.
                                                                     Section F. Liability and Medical
          5. "Waiting      period"    means      the                 Expenses Definitions.
             consecutive period of time, beginning
             with the date of loss or the date of                 2) The manufacturing of goods or
             expropriation, which is required to                     products outside the territory described
             expire before any action taken or                       in paragraph a, of definition 4.
             sustained will be deemed to have                        "Coverage Territory" in Section F.
             become a loss.                                          Liability and Medical Expenses
       C. EXCLUSION                                                  Definitions.
           This coverage does not apply to any written            3) The sale or distribution of goods or
           and/or oral contract and/or agreement                     products manufactured outside the
           between you and any government,                           territory described in paragraph a, of
           governmental body or sovereign power as                   definition 4. "Coverage Territory" in
           respects payments and/or non-payment of                   Section F. Liability and Medical
           any contract and/or agreement.                            Expenses Definitions.
B. The BUSINESSOWNERS LIABILITY COVERAGE                   3. The following is added to Section E –
   FORM is changed as follows:                                Businessowners General Liability
                                                              Conditions:
   1. Paragraph 4. of Section F – Liability and
      Medical Expense Definitions is replaced by:             7. This policy is not a substitute for any
                                                                 insurance required by any country/locality.
       "Coverage territory" means:                               Failure of the Named Insured to comply
       a. The United States of America (including its            with any country/local requirement will not
          territories and possessions), Puerto Rico              invalidate the coverage afforded by this
          and Canada;                                            policy; but in the event of such failure, we
                                                                 will be obligated under this policy only to
       b. International waters or airspace, but only if          the extent that we would have been
          the injury or damage occurs in the course of           obligated had the Named Insured complied
          travel of transportation between any places            with the country/local requirement.
          included in Paragraph a. above; or
                                                           4. The following is added to Coverages (Section
       c. All other parts of the world except any             A):
          country or jurisdiction which is the subject
          of trade or economic embargoes imposed              The following provisions of this endorsement
          by the regulations of the United States of          apply only as respects to:
          America, if the injury or damage arises out         Automobile Difference in Conditions and
          of:                                                 Excess Liability:
Confidential – Internal                                                            Page 43 of 68
       a. Coverage A – Bodily Injury and Property                except:
          Damage Liability applies to "bodily injury"            a. The owner or lessee (of whom you
          and "property damage" arising out of the                  are a sub-lessee) of a "hired auto"
          maintenance or use of a "hired auto"                      or any agent or "employee" of any
          caused by or resulting from a Covered                     such owner or lessee.
          Cause of Loss while:
                                                                 b. Your "employee" if the covered
          1. Anywhere in the world except the                       "auto" is owned by that "employee"
             United States, its territories and                     or a member of his or her
             possessions, Puerto Rico, Canada and                   household;
             any country or jurisdiction which is the
             subject of trade or economic                        c. Your "employee" if the covered
             embargoes imposed by the regulations                   "auto" is leased, hired or rented by
             of the United States of America.                       him or her or a member of his or
       b. Exclusions                                                her household under a lease or
                                                                    rental agreement for a period of 60
          With respect to the insurance provided by
                                                                    days or more;
          this endorsement:
                                                                 d. Any partner or "executive officer"
          1. The exclusions, under Coverage A –
                                                                    with respect to any "auto" owned by
             Bodily Injury and Property Damage
                                                                    such partner or officer or a member
             Liability, other than exclusions a., b.,
                                                                    of his or her household;
             d., e., f. and i. and the Nuclear Energy
             Liability Exclusion (Broad Form) are                e. Any partner or "executive officer"
             deleted and replaced by the following:                 with respect to any "auto" leased or
                                                                    rented to such partner or officer or
              a. "Bodily injury" to:
                                                                    a member of his or her household
                  (1) Any fellow "employee" of the                  under a lease or rental agreement
                      insured arising out of and in the             for a period of 60 days or more;
                      course of:
                                                                 f.   Any person while employed in or
                       (a) Employment by the                          otherwise engaged in duties in
                           insured; or                                connection with an "auto business,"
                       (b) Performing duties related to               other than an "auto business" you
                           the conduct of the insured's               operate;
                           business.                             g. Anyone other than your
              b. "Property Damage" to:                              "employees," partners, a lessee or
                  (1) Property owned or being                       borrower or any of their
                      transported by, or rented or                  "employees," while moving property
                      loaned to the insured;                        to or from a "hired auto
                           Or                             d. Limits of Insurance
                  (2) Property in the care, custody or       1. Regardless of the number of:
                      control of the insured.
                                                                 a. Insured's;
       c. Who Is An Insured
                                                                 b. Claims made or "suits" brought;
          Who Is An Insured is replaced by the
          following:                                             c. Persons or organizations making
                                                                    claims or bringing "suits"; or
          Each of the following is an insured under
          this insurance to the extent set forth below:          d. "Autos"

          1. You;                                            The Hired Auto Limit of Insurance is
                                                             $1,000,000. This is the most we will pay for
          2. Anyone else including any partner or            damages under SECTION A. Coverages
             "executive officer" of yours while using        because of all "bodily injury" or "property
             with your permission a "hired auto"             damage" arising out of the maintenance or
Confidential – Internal                                                       Page 44 of 68
            use of a:                                                  Form is amended by the addition of the
            2. "Hired auto" by you or your                             following:
               "employees" in the course of your                       "Employee" means a citizen or
               business.                                               resident of the United States who is
                The limit of Hired Auto applies                        hired by you. This includes an
                separately to each consecutive annual                  employee who normally works in the
                period and to any remaining period of                  United States and is temporarily outside
                less than 12 months, starting with the                 the United States.
                beginning of the policy period shown in
                the Declarations, unless the policy            g. Additional Definitions
                period is extended after issuance for an           Section F. Definitions is amended by the
                additional period of less than 12                  addition of the following definitions:
                months. In that case, the additional
                                                                   "Hired auto" means any "auto" you lease,
                period will be deemed part of the last
                preceding period for purposes of                   hire, rent or borrow. This does not include:
                determining the Limit of Insurance.                1. Any "auto" you lease, hire or rent under
       e. Condition H. – OTHER INSURANCE of                           a lease or rental agreement for a period
          the Businessowners Common Policy                            of 60 days or more, or
          Conditions is deleted and replaced by the                2. Any "auto" you lease, hire, rent or
          following:                                                  borrow from any of your "employees,"
            Other Insurance                                           partners, stockholders, or members of
            This insurance is excess over any other                   their households.
            valid and collectible insurance available to    Part IV – Definitions
            you as well as excess over any local                a. The Definition of "employee," item 5. in
            statutory required limits.                              Section F – Definitions of the
       f.   Amended Definitions                                     Businessowners Liability Coverage Form is
                                                                    amended by the addition of the following:
            1. The Definition of "insured contract,"                "Employee" means a citizen or resident of
               item 9. in Section F – Definitions of                the United States who is hired by you. This
               the Businessowners Liability Coverage                includes an employee who normally works
                                                                    in the United States and is temporarily
               Form is amended by the addition of the
                                                                    outside the United States.
               following exceptions to paragraph f.:
                                                               5. The following is added to Coverages
                Paragraph f. does not include that part
                                                                  (Section A):
                of any contract or agreement:
                                                                   The following provisions of this
                (3) That pertains to the loan, lease or
                                                                   endorsement apply only as respects to:
                    rental of an "auto" to you or any of
                                                                   INTERNATIONAL            KIDNAP         AND
                    your "employees," if the "auto" is             RANSOM/WRONGFUL                  DETENTION
                    loaned, leased or rented with a                COVERAGE
                    driver; or                                     a. Kidnap and Ransom
                (4) That holds a person or organization               We will reimburse you for "ransom
                    engaged in the business of                        monies" and expenses paid by you or
                    transporting property by "auto" for               "insured person(s)" resulting directly
                    hire harmless for your use of a                   from the "kidnapping" of an "insured
                                                                      person(s)" occurring during the policy
                    covered "auto" over a route or
                                                                      period, while in the "coverage territory."
                    territory that person or organization
                                                                   b. Wrongful Detention
                    is authorized to serve by public
                                                                      We will reimburse you for the expenses
                    authority.
                                                                      resulting from the "wrongful detention"
            2. The Definition of "employee," item 5. in               of an "insured person(s)" occurring
               Section F – Definitions of the                         during the policy period, while in the
               Businessowners Liability Coverage                      "coverage territory."
                                                                      The total policy aggregate limit of
Confidential – Internal                                                             Page 45 of 68
             insurance for this coverage and for                           person(s)" in the event of a
             coverage A and coverage B above,                              "kidnapping," "wrongful detention";
             separately and/or combined, is the                            and/or;
             applicable Limit of Insurance shown                           Any     other     reasonable    and
             below.                                                        necessary expense incurred by you
          c. Limit of Insurance                                            with our prior approval.
             The total policy aggregate limit of            The total policy aggregate limit of insurance for
             insurance for this coverage is the             this Coverage Part is inclusive of all legal fees,
             applicable Limit of Insurance shown            loss adjustment costs and any other related
             below.                                         expenses and serves to reduce the limit of
             The most we will pay under this                liability available by the amount of the incurred
             Additional Coverage in aggregate,              expenses.
             during each separate 12 month period                f. Definitions
             of this policy beginning with the                        The following words, when used in this
             effective date of this policy, is $25,000.               Coverage Part, have the meaning set
          d. Discovery Period                                         forth below:
             This Coverage Part does not cover:                       1. "Advisory" means a formal
             (1) Kidnap and Ransom, and/or                                 recommendation           of      the
                                                                           "appropriate authorities" that the
             (2) Wrongful Detention, unless such
                                                                           "insured person(s)" specifically
                 act(s) occurs        and is (are)                         leave a host country or generally
                 communicated directly or indirectly
                                                                           that a class of person(s) which
                 to you or an "insured person(s)"
                                                                           include an "insured person(s)"
                 prior to the effective date of                            leave such country.
                 termination of coverage and is
                 discovered        by       you      and              2. "Appropriate authorities" means
                 communicated to us in writing prior                       the     United      States     State
                 to one year after the effective date                      Department, the Foreign Office of
                 of the termination of this policy in its                  Canada, the Foreign Office of the
                 entirety.                                                 United Kingdom, or similar authority
                                                                           of the country listed in the
          e. Expenses
                                                                           Declarations.
             We will reimburse you for the following
                                                                      3. "Coverage         territory"    means
             expenses incurred as a direct result of                       anywhere in the world except the
             a "kidnapping" or "wrongful detention"
                                                                           United States, its territories and
             provided that such "kidnapping" or
                                                                           possessions, Puerto Rico, Canada
             "wrongful detention" is insured.                              and any country or jurisdiction
             1. Reasonable fees and expenses of                            which is the subject of trade or
                 independent security consultants,                         economic embargoes imposed by
                 provided that we have given our                           the regulations of the United States
                 prior consent to the use of such                          of America.
                 independent security consultants;
                                                                    4. The Definition of "employee," item
             2. Reasonable fees and expenses of
                                                                       5. in Section F – Definitions of the
                 public     relations       or     recall
                 consultants, provided we have                         Businessowners Liability Coverage
                 given our prior consent to the use                    Form is amended by the addition of
                 of such public relations or recall                    the following:
                 consultants;                                          "Employee" means a citizen or
             3. Travel costs of a "kidnap" or                          resident of the United States who is
                 "wrongful detention" victim to join                   hired by you. This includes an
                 their immediate family, upon their                    employee who normally works in
                 release including travel costs of one                 the United States and is temporarily
                 family member to join and escort                      outside the United States.
                 such victim from place of release or               5. "Insured person(s)" means you (if
                 reasonable location;                                  natural or legal person, sole
             4. Reasonable and necessary fees                          proprietorship, or partnership) listed
                 and expenses of a qualified                           in the Declarations, any director,
                 interpreter assisting you or "insured                 officer or "employee" of yours,
Confidential – Internal                                                           Page 46 of 68
                including a "relative" of such                 b. Give immediate oral and written
                person, who has accompanied the                     notice to us with periodic and
                director, officer or "employee."                    timely updates concurrent with
             6. "Kidnapping" means any unlawful                     activity occurring during the
                event or connected series of events                 incident; and
                of seizing, detaining or carrying              c. If it appears to be in the best
                away by force, of one or more                       interest of you or "insured
                "insured person(s)" (except a minor                 person(s)," notify the national
                by the parent(s) thereof) by                        or other appropriate law
                person(s) for the purpose of                        enforcement agency having
                demanding "ransom monies."                          jurisdiction over the matter.
             7. "Ransom monies," means any              h. Exclusions
                monies which you or the "insured           We will not be liable for loss caused by
                person(s)" has paid or delivered (or       or resulting either directly or indirectly
                attempted to deliver to perpetrators       from:
                or purported perpetrators of a
                                                           1. The fraudulent, dishonest, or
                "kidnapping") as a direct result of a
                "kidnapping." The term "monies"                criminal acts of you, other "insured
                                                               person(s),"       or    any    person
                as used herein includes cash,
                                                               authorized by you to have custody
                monetary instruments, bullion, or
                the fair market value of any                   of "ransom monies." This exclusion
                                                               will not apply to the payment of
                securities, property or services.
                                                               "ransom monies" by you or "insured
             8. "Relative" means a spouse, child,              person(s)" in a situation where local
                stepchild, legally adopted child,              authorities have declared such
                foster child, spouse of a married              payment illegal; or
                child, grandchild, sister, brother,
                parent, parent-in-law, grandparent,        2. "Monies" or property surrendered
                                                               away from the Premises in any
                grandparent-in-law,          adoptive
                                                               face-to-face encounter involving the
                parent, step-parent and siblings of
                living ancestors or legitimate                 use or threat of force or violence
                                                               unless surrendered by a person in
                descendants of any "insured
                                                               possession of such "monies" at the
                person."
                                                               time of such surrender for the sole
             9. "Wrongful detention" means the                 purpose of conveying it to pay a
                unlawful and intentional act of                demand for "ransom monies"
                detaining or retaining a person and            previously communicated to you or
                preventing the removal of such                 "insured person(s)"; or
                person by force or threat of force.
                                                           3. "Monies" or property surrendered
          g. Conditions Precedent to Liability                 on the Premises unless brought
             1. As a condition precedent to our                onto the Premises after receipt of
                liability under Insuring Agreement,            the demand for "ransom monies"
                you will have approved the                     for the purpose of paying such
                payment of "ransom monies." We                 demand; or
                take no responsibility with respect        4. As respects "wrongful detention"
                to your approval (or nonapproval) of           only:
                the payment of "ransom monies,"
                                                               a. Any actual or alleged violation
                which approval is solely within your
                                                                    of the laws of the host country
                authority and discretion.
                                                                    by you or "insured person(s),"
             2. In the event of a "kidnapping" or                   or failure of you or "insured
                "wrongful detention" of an "insured                 person(s)" to maintain and
                person(s)" during the policy period,                possess duly authorized and
                and in the case of a "kidnapping"                   issued required documents and
                prior to the payment of "ransom                     visas, unless we determine that
                monies," the "insured" will make                    such        allegations      were
                every reasonable effort to:                         intentionally false, fraudulent
                a. Determine that the "kidnapping"                  and malicious and made solely
                     or "wrongful detention" has                    to     achieve      a    political,
                     actually occurred; and                         propaganda, or coercive effect

Confidential – Internal                                                   Page 47 of 68
                       upon or at the expense of you
                       or "insured person(s)";
                  b. You or "insured person(s)"
                       failure to evacuate from the
                       host country within ten (10)
                       days after issuance of an
                       "advisory" by the "appropriate
                       authorities"    or    travel     to
                       country(ies) after an "advisory"
                       has been issued;
                  c. You or "insured person(s)"
                       taking part in the operations of
                       any governmental organization,
                       official law enforcement, or
                       military force.
                  You agree to reimburse us for any
                  payments made hereunder by us,
                  which are alternately determined
                  not to be covered because of the
                  application of any of these
                  exclusions.
          i.   Additional General Conditions
               1. Confidentiality
                       You and "insured person(s)"
                       will use all reasonable efforts
                       not to disclose the existence of
                       the coverage. This condition
                       will also apply to any excess or
                       other insurance.
               2. Due Diligence
                       The "insured person(s)" will use
                       due diligence and does concur
                       in doing all things reasonably
                       practicable to avoid or diminish
                       any losses insured under this
                       Coverage Part.
               3. Condition         H.    –      OTHER
                  INSURANCE               of           the
                  Businessowners Common Policy
                  Conditions is deleted and replaced
                  by the following:
                  Other Insurance
                  If you purchase any other insurance
                  providing      valid   or    collectible
                  insurance against a loss covered by
                  this insurance, the insurance under
                  this Coverage Form shall be excess
                  insurance over any such other
                  insurance.




Confidential – Internal                                      Page 48 of 68
Title            Pedorthists Coverage Endorsement                     Form Number          SB-300140-A

Description      The coverage form removes ―pedorthist‖ from the professional services exclusion in the general
                 liability form. The form goes onto define ―pedorthist‖.

Dec Page         No. Coverage is outlined in the form

State            None;
Exceptions

Class            Form automatically attaches for SIC 56611 and 72510
Exceptions
                 Classes: 56613C, 51991AJ, 51991DI, 51991IA, 51991IB, 51991IC, 51991IM, 51412F,
                 51412CL, 51412GT, 51412GU, and 18109.
                 Operator select for all others.

Dependencies     Must have General Liability Coverage

Location

Generation       Form should generate any time this option is selected or for policies with the above sic/class
                 codes.

Form Tags        None. Form is text only with no variable fields

Comments

Rating           No charge.




Title            Product Recall and Replacement Coverage              Form Number          SB-300015-B

Description      Provides coverage for accidents and errors in design and manufacture of products. The annual
                 aggregate limit is equal to twice the occurrence limit selected. A deductible of 10% of the
                 occurrence limit applies per loss.

Dec Page         Yes. Multiple limits available. Form refers to the Dec. Dec must show applicable limit and
                 deductible (deductible if possible) at policy level.

State            $100,000/$200,000 option On 02/21/2009 for the following states:
Exceptions
                 AR, AZ, CO, GA, IL, IN, MI, MN, MO, NM, NV, OR, PA, SC, WI

Class            Form is only applicable to Plastic Workers, Metal Workers, Food Processors and Electronic
Exceptions       classes (within the Manufacturing Industry Group).

Dependencies     Must have General Liability Coverage

Location         Coverage applies per occurrence.

Generation       Form should generate any time this option is selected.


Confidential – Internal Only                                                           Page 49 of 68
Form Tags        None. Form is all text with no variable fields and refers to the Dec – AUDITABLE COVERAGE

Comments         Options: None, $25,000/$50,000 (A) and $50,000/$100,000 (B); $100,000/$200,000 (C) for
                 states listed above;
                 CNAC STATEMENT: CNA prefers writing product recall on client‘s that have a written Risk
                 Control Program for the Defense of Product Claims and Product Recall Program. Product
                 Recall & Replacement Coverage is available to all classes of business written within the
                 Manufacturing Industry Practice group of SIC codes where we are normally willing to write
                 Product Liability, EXCEPT those classes of business listed under "Ineligible
                 Operations/Products" below (which we may or may NOT normally be willing to write Product
                 Liability). Ineligible Operations/Products: Distributors of foreign produced products; Companies
                 that are not on-going concerns; Agricultural Chemicals; Aircraft Products and Parts; Animal
                 Feed; Asbestos products; Auto, Bus and Trucks or Operating Parts; Bicycles and Parts;
                 Distilled and Blended Liquor; Drugs/Pharmaceuticals; Explosives; Firearms- all types; Flea
                 Market and similar After-market Stores (i.e. Army/Navy Surplus, etc.); Guided Missiles and
                 Parts; Imported Products; Motorcycles or Parts; Oysters; Poultry Processing; Sporting and
                 Athletic Goods; Surgical Medical and Dental Instruments and Supplies; Tires and Inner Tubes;
                 Tobacco-related products; Toys/Dolls

Rating           Priced per $1,000 in sales.




Title            Reimbursement of Legal Expenses Coverage for         Form Number         SB-300016-B
                 Court or Review Boards

Description      This coverage reimburses the insured for expenses incurred when they are required to appear
                 for disciplinary action by a court or a state review board. Coverage is limited to $5,000 in any
                 one annual policy period.

Dec Page         No. Coverage is outlined in the form

State            Not NY;
Exceptions

Class            None. Form is common to all eligible classes
Exceptions

Dependencies     Must have General Liability Coverage

Location         Coverage is on a per occurrence basis with a $5,000 policy aggregate limit per policy year

Generation       Form should generate any time this option is selected

Form Tags        None. Form is text only with no variable fields

Comments

Rating           Flat charge.




Confidential – Internal Only                                                           Page 50 of 68
Title            Reimbursement of Legal Expenses Coverage for         Form Number          SB-300017-B
                 Disposal of Medical Waste

Description      Provides coverage for reimbursement of legal expenses resulting from a lawsuit alleging
                 violation of a law or regulation governing disposal of medical waste.

Dec Page         Yes. Line item at Policy Level. Display per suit and annual aggregate limits.

State            Not NY;
Exceptions

Class            Form is only eligible for Chiropractors, Chiropodists, Dentists Offices, Doctors Offices and
Exceptions       Physiotherapists, Surgeons, Oral Surgeons, Optometrists, Physical Therapists, Dental Labs,
                 various types of Medical Offices, & Veterinarians; Eligible SIC Codes: 80111; 80113; 80212;
                 80210; 80310;80410; 80420; 80430; 80490; 80720; 07420; Eligible Class Codes: 65121Y;
                 65121CS; 65121CT; 65121I; 65121X; 65121F; 65121D; 65121G; 65121C; 65121E; 65121AB;
                 65121AV; 65121H; 65121CW; 65121AT; 65121AL; 71444; 65121AF; Policy level coverage
                 rules apply…based on SIC Code selected on policy.

Dependencies     Must have General Liability Coverage

Location         Coverage is provided at $50,000 per suit with a $50,000 annual aggregate.

Generation       This form should generate any time this option is selected.

Form Tags        None. Form is all text with no variable fields.

Comments

Rating           Flat charge.



Title            Stop Gap Liability Coverage Endorsement              Form Number          SB-300018-A

Description      Available coverage in monopolistic states where coverage is an option.

Dec Page         Yes. Multiple options available. Form references the Dec Page at policy level. Indicates limit
                 and designated states.

State            Coverage only available in monopolistic states
Exceptions

Class            None. Form is common to all eligible classes
Exceptions

Dependencies     Must have General Liability Coverage. If the location is West Virginia or Ohio the state specific
                 amendatory form needs to be attached

Location         Coverage is on an each accident/aggregate limit per employee at location level

Generation       Form should generate any time this option is selected based on location risk state: OH; ND;
                 WA; WV; WY;

Form Tags        None. Form is all text with no variable fields.


Confidential – Internal Only                                                           Page 51 of 68
Comments         Options: 300,000/300,000/600,000; 500,000/500,000/1,000,000 and
                 1,000,000/1,000,000/2,000,000

Rating           Flat charge.




Title            Technology Services Coverage                         Form Number         SB-300019-A

Description      Modifies the Professional Services Exclusion in the Business Liability Coverage form to provide
                 coverage for bodily injury, property damage and personal & advertising injury arising out of the
                 insured's technology services

Dec Page         No. Coverage is outlined on the form

State            None. Form is common to all states
Exceptions

Class            Form is only applicable to the classes which are part of the Technology Services Rate Group.
Exceptions       Eligible Class Codes: 71921B; 65121AO; 65121CM; 65121DK, 65121DL, 65121DM, 65121DN,
                 65121DO, 65121DP, 65121DQ; 65121DR; 65121DS; 65121DT; 65121DU; 65121DV;
                 65121DW; 65121DX;

Dependencies     Must have General Liability Coverage

Location         Coverage is a definitional change to the policy

Generation       Form should generate any time this option is selected

Form Tags        None. Form is all text with no variable fields.

Comments         UW REFERRAL IF COVERAGE IS SELECTED; CNAC Statement: The insured must have a
                 CNA E&O Professional Liability Policy in place to obtain this coverage. Please contact your
                 technology underwriter for more information before quoting.

Rating           Rate applied to base Liability and/or BPP premium.



Title          Waiver of Charitable Immunity                        Form Number          SB-300021-A

Description    Waives any charitable immunity of the insured, both in the adjustment of claims and in the defense
               of suits, unless the insured requests otherwise in writing.

Dec Page       No. Coverage is outlined in the form

State          None, Form is common to all states
Exceptions

Class          None. Form is common to all eligible classes
Exceptions

Dependencies   Must have General Liability coverage


Confidential – Internal Only                                                          Page 52 of 68
Location         Coverage is modified at policy level.

Generation       Form should generate any time this option is selected (screen impact – coverage selection or
                 operator select form)

Form Tags        None. Form is all text with no variable fields

Comments

Rating           None.



Title            Waiver of Subrogation                                Form Number         SB-300022-A

Description      Provides a waiver of subrogation in the Business Liability Coverage form for a person or
                 organization designated in the Declarations or for a person or organization whom the insured has
                 a contract that requires such a waiver. Provides BLANKET waiver for contracts that require it
                 when added.

Dec Page         No

State            None. Form is common to all states
Exceptions

Class            None. Form is common to all eligible classes
Exceptions

Dependencies     Must have General Liability Coverage

Location         Coverage is modified at a policy level

Generation       Operator Select

Form Tags        Yes. Data capture is available but not required

Comments

Rating           None.



         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                    WAIVER OF SUBROGATION
                                                         SCHEDULE
 Name Of Person Or Organization:




 *   Information required to complete this Schedule, if not shown on this endorsement, will be shown in the
     Declarations.


Confidential – Internal Only                                                           Page 53 of 68
This endorsement modifies insurance provided under the following:
    BUSINESSOWNERS LIABILITY COVERAGE FORM
We waive any right of recovery we may have against:
    1. Any person or organization shown in the Declarations; or
    2. Any person or organization with whom you have a contract that requires such a waiver.



Title           Watercraft Liability Coverage Form                    Form Number          SB-300023-B

Description          This form provides liability coverage for owned watercraft. Expands coverage to include an
                     ―insured boat‖ while in use on waterways:
                     1. Within the Continental United States of America, the District of Columbia and Canada
                        (excluding Alaska); and
                     2. Coastal waters not more than twelve (12) miles from the nearest shoreline and inland
                        waters of the Continental United States, the District of Columbia and Canada (excluding
                        Alaska).
                ―Insured boat" means those private pleasure type watercraft, less than 51 feet in length.

Dec Page        No

State           None. Form is common to all states
Exceptions

Class           None. Form is common to all eligible classes
Exceptions

Dependencies    Must have General Liability Coverage

Location        Coverage is modified at the policy level

Generation      This form should generate any time this option is selected

Form Tags       None. Form is all text with no variable fields

Comments

Rating          Flat charge.




Confidential – Internal Only                                                            Page 54 of 68
                   Professional Liability And E&O Optional Coverages
Title             Barbers Professional Liability Coverage                 Form Number        SB-300024-A

Description       Coverage is provided for the professional services of a Barber Shop. The limit of insurance will
                  always be the same as the liability and medical expenses limit for the policy

Dec Page          No. Coverage is in the form.

State             No. Form is common to all states
Exceptions

Class             Form is only applicable for Barber Shop class of business; Eligible Class Code: 10113A;
Exceptions

Dependencies      Must have General Liability Coverage

Location          Coverage is modified at a policy level

Generation        Form should generate any time this option is selected

Form Tags         None. Form is all text with no variable fields

Comments          CNAC Statement: Please review professional liability endorsement to confirm an explanation of
                  coverages and limitations.

Rating            Priced per Barber.



         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                    BARBERS PROFESSIONAL LIABILITY COVERAGE
This endorsement modifies insurance provided under the following:
    BUSINESSOWNERS LIABILITY COVERAGE FORM


Section II – Liability is amended as follows:
A. For the insurance provided by this endorsement, all provisions under Paragraph A.1. Business Liability will
   also apply to other injury.
B. Paragraph A. Coverages also applies to "bodily injury", "property damage" or "personal and advertising injury"
   arising out of the rendering of or failure to render professional services in connection with the operation of your
   business as a barber shop or beauty salon, including treatment, advice or instruction for the purpose of
   appearance or skin enhancement or personal grooming or therapy.
C. Paragraph B. Exclusions is amended as follows:
   1. Paragraph 1.b. Contractual Liability is replaced by the following:
        This insurance does not apply to:
        b. "Bodily injury", "property damage", "personal and advertising injury" or other injury for which the insured
            is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This
            exclusion does not apply to liability for damages that the insured would have in the absence of the
            contract or agreement.
   2. Paragraph 1.j. Professional Services does not apply.
   3. The following Exclusions are added:


Confidential – Internal Only                                                              Page 55 of 68
      This insurance does not apply to "bodily injury", "property damage", "personal and advertising injury" or
      other injury arising out of:
      1. The violation of any statute, or governmental rule or regulation; however, this exclusion does not apply to
          the failure to perform a predisposition of skin test.
      2. Any equipment or process used to tan skin.
      3. The removal of hair by electrolysis.
      4. Hair implanting or hair transplanting or any attempt at these.
      5. The use of any dye or coloring to eyelashes or eyebrows except mascara or eyebrow pencils.
      6. Body massage other than facial massage.
      7. Body piercing.
      8. Tattooing, including but not limited to the insertion of pigment into or under the skin.
      9. Face lifting, the removal of warts, moles or growths or any attempt at these.
      10. Chiropody or podiatry.
D. Paragraph C. Who Is An Insured is amended as follows:
   1. Paragraph 2.a. is replaced by the following:
      2. Each of the following is also an insured:
          a. Your "employees", other than either your "executive officers" (if you are an organization other than a
               partnership, joint venture or limited liability company) or your managers (if you are a limited liability
               company), but only for acts within the scope of their employment by you or while performing duties
               related to the conduct of your business. However, none of these "employees" is an insured for:
               (1) "Bodily injury" or "personal and advertising injury":
                    (a) To you, to your partners or members (if you are a partnership or joint venture), to your
                        members (if you are a limited liability company), or to a co-"employee" while that co-
                        "employee" is either in the course of his or her employment or performing duties related to
                        the conduct of your business;
                    (b) To the spouse, child, parent, brother or sister of that co-"employee" as a consequence of
                        Paragraph (1)(a) above;
                    (c) For which there is any obligation to share damages with or repay someone else who must
                        pay damages of the injury described in Paragraphs (1)(a) or (1)(b); or
               (2) "Bodily injury", "property damage" or "personal and advertising injury" arising out of his or her
                    providing or failing to provide professional services. However, your "employees" are insured with
                    respect to their providing or failing to provide services as a barber or beautician in connection
                    with your business.
               (3) "Property damage" to property:
                    (a) Owned, occupied or used by,
                    (b) Rented to, in the care, custody or control of, or over which physical control is being
                        exercised for any purpose by
                    you, any of your "employees", any partner or member (if you are a partnership or joint venture),
                    or any member (if you are a limited liability company).
      2. The following is added to Paragraph 2.:
          e. Any operator who rents or leases from the insured booth space, chairs or any portion of the
               Named insured premises for the purpose of conducting barber shop or beauty salon services
               and any "employee" of such operator, but only with respect to liability arising out of such
               services.
E. Paragraph D.2. Liability And Medical Expenses Limits Of Insurance is replaced by the following:
   2. The most we will pay for the sum of all damages because of all:
      a. "Bodily injury", "property damage" and medical expenses arising out of any one "occurrence";
      b. "Personal and advertising injury" sustained by any one person or organization; and
      c. Other injury arising out of any one "occurrence";


Confidential – Internal Only                                                                Page 56 of 68
        is the Liability and Medical Expenses limit shown in the Declarations. But the most we will pay for all
        medical expenses because of "bodily injury" sustained by any one person is the Medical Expenses limit
        shown in the Declarations.
F. For the coverage provided by this endorsement, the definition of "occurrence" in Paragraph F. Liability And
   Medical Expenses Definitions is amended to include any act or omission arising out of the rendering of or
   failure to render services as or for a barber or beautician.



Title            Beauticians' Malpractice Liability Coverage             Form Number           SB-300025-C

Description      Provides coverage for the professional services of a Beauty Salon or Nail Specialty Salon. The
                 limit of insurance will always be the same as the liability and medical expenses limit for the policy

Dec Page         Yes. Occurrence/Aggregate Limit on DEC Page;

State            None. form is common to all states
Exceptions

Class            Form is only applicable to Beauty Parlor and Beauty Parlor/Nails or Beauty Schools classes of
Exceptions       business; Eligible Class Codes: 10115C; 10115H; 59991A; 79911; 82491B;

Dependencies     Must have General Liability

Location         Coverage is modified at a policy level

Generation       Form should generate any time this option is selected

Form Tags        None. Form is all text with no variable fields.

Comments         CNAC Statement: Please review professional liability endorsement to confirm an explanation of
                 coverages and limitations.

Rating           Priced per Beautician.



         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                BEAUTICIANS' MALPRACTICE LIABILITY COVERAGE
This endorsement modifies insurance provided under the following:
    BUSINESSOWNERS LIABILITY COVERAGE FORM
    BUSINESSOWNERS COMMON POLICY CONDITIONS




Confidential – Internal Only                                                               Page 57 of 68
I.   A. Paragraph 2.a. of SECTION C – WHO IS AN INSURED of the Businessowners Liability Coverage Form is
        deleted and replaced by the following:
        2. Each of the following is also an insured:
            a. Your "employees," other than your "executive officers," but only for acts within the scope of their
                employment by you; "independent contractors" and your students, but only for their use of your
                "premises" or any part thereof to render personal or professional services as a "beautician." However,
                no "employee" , "independent contractor" or student, is an insured for:
                  (1) "Bodily injury" or "personal injury" to you or to a co-"employee" while in the course of his or her
                      employment, or to the spouse, child, parent, brother or sister of that co-"employee" as a
                      consequence of such "bodily injury" or "personal injury," or for any obligation to share damages
                      with or repay someone else who must pay damages because of the injury;
                  (2) "Bodily injury" or "personal injury" arising out of his or her providing or failing to provide
                      professional health care services; or
                  (3) Your "employees" or "independent contractors" for "property damage" to property owned or
                      occupied by or rented or loaned to:
                      (a) That "employee";
                      (b) That "independent contractor";
                      (c) Any of your other "employees";
                      (d) Any of your other "independent contractors";
                      (e) You; or
                      (f) Any of your partners or members (if you are a partnership or joint venture); or
                      (g) Any student.
     B. The following are added to DEFINITIONS (SECTION F).
           "Beautician" means one whose services include but are not limited to one or more of the following:
             a. Hairstyling or hair cutting;
             b. Electrolysis or hair removal;
             c. Manicuring or pedicuring;
             d. Dyeing or tinting;
             e. Nail Sculpting;
             f.   Skin care;
             g. Makeup and aesthetics; or
             h. Massage therapist
             "Independent contractor" means any person who enters into an agreement with you providing for the use
             of your "premises" or any part thereof to render professional services as a "beautician."
             ―Beauticians‘ Malpractice Hazard‖ includes ―bodily injury‖ and ―property damage‖ arising out of the
             rendering or failure to render professional services as a beautician‖.
             "Premises" means:
             a. The "premises" designated in the Declarations, and
             b. "Premises" you acquire ownership or control of and report to us your intention of insuring under this
                policy, and no other. Your intent to insure the "premises" must be reported within 180 days of your
                acquisition.
II. The following provisions of this endorsement apply only as respects Beauticians' Malpractice Liability Coverage.


Confidential – Internal Only                                                                        Page 58 of 68
   The following is added to COVERAGES (SECTION A):
       3.         Beauticians' Malpractice Liability Coverage
       a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily
          injury" or "property damage" to which this insurance applies. We will have the right and duty to defend the
          insured against any "suit" seeking those damages. However, we will have no duty to defend the insured
          against any "suit" seeking damages for "bodily injury" or "property damage" to which this insurance does
          not apply. We may at our discretion investigate any "occurrence" and settle any claim or "suit" that may
          result. But:
             (1) The amount we will pay for damages is limited as described in LIMITS OF INSURANCE (SECTION
                 D) of this endorsement; and
             (2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the
                 payment of judgments or settlements.
             No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided
             for under COVERAGE EXTENSION – SUPPLEMENTARY PAYMENTS.
    b. This insurance applies to: "bodily injury" or "property damage" included within the "beauticians' malpractice
       hazard," but only if:
        (1) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage
            territory"; and
        (2) The "bodily injury" or "property damage" occurs during the policy period.
    c. Damages because of "bodily injury" include damages claimed by any person or organization for care, loss
       of services or death resulting at any time from the "bodily injury."
        d.        Coverage Extension – Supplementary Payments
        In addition to the Limits of Insurance, we will pay, with respect to any claim or "suit" we defend:
        (1) All expenses we incur.
        (2) The cost of bonds to release attachments, but only for bond amounts within our Limit of Insurance. We
            do not have to furnish these bonds.
        (3) All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense
            of the claim or "suit," including actual loss of earnings up to $250 a day because of time off from work.
        (4) All costs taxed against the insured in the "suit."
                  (5) Prejudgment interest awarded against the insured on that part of the judgment we pay. If we
                      make an offer to pay the Limit of Insurance, we will not pay any prejudgment interest based on
                      that period of time after the offer.
                  (6) All interest on the full amount of any judgment that accrues after entry of the judgment and
                      before we have paid, offered to pay, or deposited in court the part of the judgment that is within
                      our Limit of Insurance.
   III. The following is added to EXCLUSIONS (SECTION B):
       4. Applicable to Beauticians' Malpractice Liability Coverage
          This insurance does not apply to:
              a. "Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This
                 exclusion does not apply to "bodily injury" resulting from the use of reasonable force to protect
                 persons or property.
              b. "Bodily injury" or "property damage" for which the insured is obligated to pay damages by reason of
                 the assumption of liability in a contract or agreement. This exclusion does not apply to liability for
                 damages that the insured would have in the absence of the contract or agreement.



Confidential – Internal Only                                                                      Page 59 of 68
          c. Any obligation of the insured under a workers' compensation, disability benefits or unemployment
             compensation law or any similar law.
          d. "Bodily injury" to:
               (1) An "employee" of the insured arising out of and in the course of employment by the insured; or
               (2) The spouse, child, parent, brother or sister of that "employee" as a consequence of (1) above.
               This exclusion applies:
                   (a) Whether the insured may be liable as an employer or in any other capacity; and
                   (b) To any obligation to share damages with or repay someone else who must pay damages
                       because of the injury.
          e. (1) "Bodily injury," or "property damage" which would not have occurred in whole or part but for the
                 actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of
                 pollutants at any time.
               (2) Any loss, cost or expense arising out of any:
                   (a) Request, demand or order that any insured or others test for, monitor, clean up, remove,
                       contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of
                       pollutants; or
                   (b) Claim or "suit" by or on behalf of a governmental authority for damages because of testing
                       for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in
                       any way responding to, or assessing the effects of pollutants.
               Pollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapor,
               soot, fumes, acids, alkalis, chemicals and waste. Waste includes material to be recycled,
               reconditioned or reclaimed.
          f.   "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to
               others of any aircraft, "mobile equipment," "auto" or watercraft owned or operated by or rented or
               loaned to any insured. Use includes operation and "loading or unloading."
          g. "Property damage" to:
               (1) Property you own, rent, or occupy;
               (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of
                   those premises;
               (3) Property loaned to you; or
               (4) Personal property in the care, custody or control of the insured.
          h. "Property damage" to "your work" arising out of it or any part of it included in the "beauticians'
             malpractice hazard."
          i.   "Bodily injury" or "property damage" arising out of services rendered; or
               (1) Preparations;
               (2) Products;
               (3) Apparatus; or
               (4) Equipment;
               if rendered or used in willful violation of any Federal, State, Municipal, or other law or regulation.
          j.   "Bodily injury" or "property damage" arising out of:
               (1) Plastic surgery; or
               (2) Removal of warts, moles or other growths;
               (3) Laser or other laser types of pulsated light treatment.

Confidential – Internal Only                                                                      Page 60 of 68
           k. "Bodily injury" or "property damage" arising out of the ownership, maintenance, operation or use of:
                (1) Any apparatus using x-rays or other ionizing radiation for removal of hair; or
                (2) Any apparatus using a photo coagulation technique for removal of hair.
           l.   "Bodily injury" or "property damage" arising out of:
                (1) Weight reducing treatments;
                (2) Suntanning treatments. This exclusion does not apply to the use or application of tanning lotions
                    or tanning sprays; or
                (3) The use, application, administration or injection of Botox. This exclusion does not apply to
                    facials, including the application of mild exfoliants, such as those containing acids, to the
                    surface of the skin.
           m. "Bodily injury" or "property damage" arising out of any defect in the ownership, maintenance,
              operation or use of the building or "premises" where the business of the insured is conducted.
           n. "Bodily injury" or "property damage" arising out of the use, administration or application of any dye
              or coloring to eyelashes or eyebrows other than that specifically manufactured for said use.
           o. "Property damage" to wigs or hairpieces resulting from normal deterioration, deficiency in design or
              aesthetic result of services performed.
           p. "Bodily injury" or "property damage" arising out of the:
                (1) Preparation for; or
                (2) Use, administration or application of; or
                (3) Removal of,
                any form of permanent cosmetic make-up including, but not limited to, micro pigment implantation and
                tattooing.
           q. "Bodily injury" or "property damage" arising out of the application of chemicals to the skin which are
              intended to remove living tissue.
           r.   "Bodily injury" arising out of body-piercing services. This exclusion does not apply to ear, eyebrow,
                or nose piercing.
           s. "Bodily injury" or "property damage" included within the "products- completed operations hazard."
           t.   "Bodily injury" to any student arising out of or in the course of enrollment at any beauty school you
                operate.
           u. "Bodily injury" or "property damage" arising out of any services rendered in connection with
              any exercise, slenderizing, weight reducing or similar program.
           v. Liability arising out of any actual or alleged conduct of a sexual nature.
IV. SECTION D – LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE is deleted and replaced by the
    following:

SECTION D – LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE
   1. The Limits of Insurance shown in the Beauticians' Malpractice Liability Coverage portion of the Declarations
      and the rules below fix the most we will pay regardless of the number of:
       a. Insureds;
       b. Claims made or "suits" brought; or
           c. Persons or organizations making claims or bringing "suits."
       2. The Aggregate Limit is the most we will pay for the sum of damages because of all "bodily injury" and
          "property damage" to which this insurance applies.

Confidential – Internal Only                                                                    Page 61 of 68
         3. Subject to 2. above, the Each Occurrence Limit is the most we will pay for the sum of damages because
            of all "bodily injury" and "property damage" arising out of any one "occurrence."
         The Limits of Insurance of this Coverage apply separately to each consecutive annual period and to any
         remaining period of less than 12 months, starting with the beginning of the policy period shown in the
         Declarations, unless the policy period is extended after issuance for an additional period of less than 12
         months. In that case, the additional period will be deemed part of the last preceding period for purposes of
         determining the Limits of Insurance.
V. CONDITION H. – OTHER INSURANCE of the Businessowners Common Policy Conditions is deleted and
   replaced by the following:
    H. OTHER INSURANCE.
         If other valid and collectible insurance is available to the insured for a loss we cover under this Coverage, our
         obligations are limited as follows:
         a. Primary Insurance:
              This insurance is primary. Our obligations are not affected unless any of the other insurance is also
              primary. Then, we will share with all that other insurance by the method described in b. below.
         b. Method of Sharing:
             If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this
             approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none
             of the loss remains, whichever comes first.
             If any of the other insurance does not permit contribution by equal shares, we will contribute by limits.
             Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the
             total applicable limits of insurance of all insurers.
         (Bolded/Italics wording above is new in the C version of the form)


Title                Dental Laboratory – Amendatory Endorsement              Form Number          SB147004-B

Description          Adds coverage for DENTAL LABORATORY – AMENDATORY ENDORSEMENT to the policy.
                     Gives E&O Coverage and some property coverage expansion.


Dec Page             No. Limits on form are HARDCODED

State                None, form is common to all states
Exceptions

Class                Only available to Class Codes: 71444; 65121D; SIC Codes: 80720;80210;
Exceptions

Dependencies         Must have Business Personal Property

Location             Coverage is at Policy Level

Generation           This form generates when coverage is selected

Form Tags            None. The form shows limits which are to be HARDCODED

Comments

Rating               Flat charge.

Confidential – Internal Only                                                                      Page 62 of 68
        THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
              DENTAL LABORATORY – AMENDATORY ENDORSEMENT
This endorsement modifies insurance provided under the following:
    BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM
    BUSINESSOWNERS LIABILITY COVERAGE FORM
The limits of insurance shown in the Declarations are replaced by the limits designated in the Schedule or in the
Declarations as subject to this endorsement with respect to which an entry is made.
                                                     SCHEDULE
                                                                                   Limits Of Insurance
 General Aggregate Limit                                               $   4,000,000
 Products-Completed Operations Aggregate Limit                         $   4,000,000
 Personal & Advertising Injury Limit                                   $   2,000,000
 Each Occurrence Limit                                                 $   2,000,000
 Damage To Premises Rented To You Limit                                $   300,000        Any One Premises
 Medical Expense Limit                                                 $   10,000         Any One Person
(If no entry appears above, information required to complete this endorsement will be shown in the Declarations as

applicable to this endorsement.)

SECTION I:
BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM is revised as follows:
Section A.4.c.(2), COVERAGE/Limitations, is replaced as follows:
    (2) $10,000 for jewelry, watches, watch movements, jewels, pearls, precious and semi-precious stones, bullion,
        gold, silver, platinum and other precious alloys or metals. This limit does not apply to jewelry and watches
        worth $100 or less per item.
SECTION II:
BUSINESSOWNERS LIABILITY COVERAGE FORM is revised as follows:
Section B.1. J (4), Exclusion, is replaced as follows:
    (4) Medical, surgical, dental, x-ray or nursing services treatment, advice or instruction, but this exclusion does
        not apply to "bodily injury," or "property damage," "personal and advertising injury" due to rendering or
        failure to render any professional service as a dental laboratory technician or denturist .



Title             Florist Errors and Omissions Liability                   Form Number         SB-300026-B

Description       Provides broadened coverage to Florists for Property Damage caused by wrongful act in providing
                  the services of a florist. The liability limit must equal the Policy Liability Limit

Dec Page          Yes Coverage is at the policy level; Each Wrongful Act Limit = GL occurrence limit; Aggregate
                  Limit = GL Aggregate limit;

State             No NY;
Exceptions

Class             Form is only applicable to the Florist – Retail, Florist – Wholesale and Garden Shop – Retail
Exceptions        classes of business; Eligible SIC Codes: 59921; 54113; 52611; 51930;--policy level so driven by

Confidential – Internal Only                                                                    Page 63 of 68
                SIC Code…but for informational purposes Eligible Class Codes: 59685A; 54127A; 59698A;
                59698E; 59685C; Eligible SIC Codes: 59921; 54113; 52611; 51930;

Dependencies    Must have General Liability coverage

Location        Coverage is modified at a policy level

Generation      Form should generate any time this option is selected

Form Tags       None. Form is all text with no variable fields

Comments        CNAC Statement: Please review professional liability endorsement to confirm an explanation of
                coverages and limitations.

Rating          Flat charge.



Title           Funeral Directors Professional Liability                Form Number        SB-300027-B

Description     Coverage for damages arising out of professional services provided by funeral directors or funeral
                parlors is provided under the Professional Services Coverage section of the Business Liability
                Coverage Form.

Dec Page        No. Limit is part of GL

State           None. Form is common to all states
Exceptions

Class           Form is only applicable to Funeral directors and crematories classes of business; SIC Codes:
Exceptions      72610; 72611, policy level coverage so SIC Code driven, but for information purposes - Eligible
                Class Codes: 41696; 43889; Eligible SIC Codes: 72610; 72611;

Dependencies    Must have General Liability Coverage. Limit of coverage is part of the GL limit.

Location        Coverage is modified at a policy level

Generation      Form should generate any time this coverage is selected

Form Tags       None. Form is all text with no variable fields

Comments        CNAC Statement: Please review professional liability endorsement to confirm an explanation of
                coverages and limitations. UW REFERRAL IF COVERAGE IS SELECTED; -
                AUDITABLE COVERAGE

Rating          Priced per $1,000 in sales.



Title           Hearing Aid Establishments                              Form Number        SB-300028-A

Description     Coverage is provided for establishments in the practice of providing Hearing Aid professional
                services


Confidential – Internal Only                                                               Page 64 of 68
Dec Page        No, coverage is part of GL Policy Limit.

State           None. Form is common to all states
Exceptions

Class           Form is only applicable to Hearing Aid classes of business; Class Code: 59974A; SIC Code:
Exceptions      59950;

Dependencies    Must have General Liability Coverage. Limit of Coverage is part of the policy GL limits

Location        Coverage is modified at a policy level

Generation      Form should generate for this class.

Form Tags       None. Form is text only with no variable fields

Comments        CNAC Statement: Please review professional liability endorsement to confirm an explanation of
                coverages and limitations.

Rating          No premium charge. Included automatically with the class.



Title           Pastoral Counseling Errors and Omissions Liability      Form Number          SB-300031-B
                Coverage Form

Description     Provides coverage for negligent acts, errors or omissions in the performance of counseling
                services by the insured's pastoral counselors. Coverage is on an occurrence basis.

Dec Page        Yes Coverage is at the policy level; Each Wrongful Act Limit = GL occurrence limit; Aggregate
                Limit = GL Aggregate limit;

State           Not NY.
Exceptions

Class           Religious; Eligible SIC Codes: 86613; 86614; policy level coverage, so SIC Code driven, for
Exceptions      informational purposes includes these Class Codes: 86613A; 86613B; 86614; Eligible SIC
                Codes: 86613; 86614;

Dependencies    Must have General Liability coverage. Limit for coverage is part of the policy GL limits.

Location        Coverage is modified at the policy level

Generation      Form should generate any time this option is selected

Form Tags       None. Form is text only with no variable fields

Comments        CNAC Statement: Please review professional liability endorsement to confirm an explanation of
                coverages and limitations. CNA is not a market for Pastoral Counseling E&O for insured's with
                prior claims in this area, please discuss with your underwriter before quoting this coverage if any
                knowledge or claims or incidents that could result in claims exist.

Rating          Priced per Counselor.


Confidential – Internal Only                                                                 Page 65 of 68
Title             Pet Groomer's Professional Liability                    Form Number         SB-300032-B

Description       Provides coverage for injury or damage to domestic animals due to the rendering or failure to
                  render professional services in the course of pet grooming or operating a pet boarding facility.
                  The liability limit selected must be the same as the Business Liability limit

Dec Page          No. Limit is part of the General Liability limit

State             None. Form is common to all states
Exceptions

Class             Form is only applicable to Pet Grooming and Pet Shops classes of business, Kennels and these
Exceptions        SIC Codes: 59995; 07520; 07521; 07522;

Dependencies      Must have General Liability

Location          Coverage is modified at the policy level

Generation        Form should generate any time this option is selected

Form Tags         None. Form is text only with no variable fields

Comments          CNAC Statement: Please review professional liability endorsement to confirm an explanation of
                  coverages and limitations.

Rating            Flat charge.

         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                        PET GROOMER'S PROFESSIONAL LIABILITY
This endorsement modifies insurance provided under the following:


    BUSINESSOWNERS LIABILITY COVERAGE FORM
    BUSINESSOWNERS COMMON POLICY CONDITIONS


PROVISIONS
1. The following is added to paragraph 1.a. of Coverage A – Business Liability:
       "Property damage" arising out of the rendering or failure to render any grooming service, pet sitting service
       or operating as a pet boarding facility, of dogs, cats or other domesticated animals shall be deemed to be
       caused by an "occurrence."
2. For the purpose of determining the limits for the insurance provided by this endorsement, any act or omission
   together with all related acts or omissions in the furnishing of these services for any one person will be
   considered one "occurrence."
3. Exclusions 1.j. Professional Services, and 1.k.(4) Damage to Property do not apply to dogs, cats and other
   domesticated animals entrusted to the insured‘s care.
4. Property Damage Deductible - $100 per claim:
   a. Our obligation under Property Damage Liability coverage for this endorsement applies only to the amount of
       damages in excess of the deductible amount stated above.
   b. The stated deductible applies on a per claim basis to all damages because of "property damage" sustained
       by one person or organization as the result of any one "occurrence."
Confidential – Internal Only                                                                  Page 66 of 68
    c. The terms of this insurance, including those with respect to:
        (1) Our right and duty to defend any "suits" seeking those damages; and
        (2) Your duties in the event of an "occurrence," claim or suit
        apply irrespective of the application of the deductible amount.
    d. The coverage only applies to the amount of property damage that exceeds $100 for any one
        occurrence. We will apply the deductible to any loss payment under this coverage.
 5. The following is added to paragraph K. Transfer of Rights of Recovery Against Others To Us in the
    Businessowners Common Policy Conditions:
    Any recoveries hereunder shall be applied in the following order:
    To reimburse
    a. Any interest (including the insured) that may have paid any amount with respect to liability in excess of the
        limit of our liabilities hereunder;
    b. Us for the amount paid hereunder;
    c. All other interests (including the insured) with respect to the residue, if any.
    When we have elected to participate in the exercise of the insured's right of recovery, reasonable expenses
    resulting there from shall be apportioned among all interests in the ratio of their respective recoveries.
(BOLD ITALIC items above were added with B version of this form).

Title             Printers Errors and Omissions Liability                 Form Number          SB-300033-B

Description       Provides payment for the insureds legal liability for damages arising out of printing services.

Dec Page          Yes. Line item reflects the coverage and the deductible

State             None. Form is common to all States
Exceptions

Class             Eligible SIC Codes: 27541, 27542, 73340; 39931;33930; 33932; 73896; 17212; 59997; 50631;
Exceptions        51991, policy level coverage so SIC Code driven—for informational purposes includes these
                  Eligible Classes: 11222B: 71912; 58409;

Dependencies      Must have General Liability Coverage. Limit of coverage is part of the GL limit

Location          Coverage is modified at policy level

Generation        Form should generate any time this option is selected

Form Tags         None. Form is all text with no variable fields

Comments          Deductible Options: $250, $500, $1,000; CNAC Statement: Printers who work on raffle, gaming
                  and lottery tickets, telephone directories, Warnings/instructions for high tech or medical
                  equipment or Warnings/instructions for pharmaceutical products are not eligible for this coverage.
                  Insured's must employ the following practices to be eligible for the E&O Coverage: 1. Drafts of
                  work are proofread by the customer prior to final printing. 2. Signed acceptance of the completed
                  product by the customer is obtained. 3. Risks which use subcontractors cannot exceed 15% of the
                  insured's printing work.

Rating            Flat charge.




Confidential – Internal Only                                                                   Page 67 of 68
Title           Printers Errors and Omissions Correction of work        Form Number           SB-300034-B

Description     Provides coverage for the cost to correct errors in the insureds' printing services.

Dec Page        Yes line item. Correction of work applies

State           None. Form is common for all states.
Exceptions

Class           Eligible SIC Codes: 27541, 27542, 73340; 39931;33930; 33932; 73896; 17212; 59997; 50631;
Exceptions      51991, policy level coverage so SIC Code driven—for informational purposes includes these
                Eligible Classes: 11222B: 71912; 58409;

Dependencies    Must have General Liability, Must have Printers E&O

Location        Coverage is at a policy level

Generation      Form should generate any time this option is selected

Form Tags       None. Form is all text with no variable fields

Comments        Deductible $1,500 - AUDITABLE COVERAGE

Rating          Priced per $1,000 in printing receipts.




Title           Veterinarian Professional Liability                     Form Number           SB-300035-A

Description     Professional coverage for individual veterinarians or veterinarian clinics

Dec Page        No. Coverage is outlined in the form

State           None. Form is common to all states
Exceptions

Class           Form is only applicable to Animal Hospitals, Veterinarians, Veterinarian Clinics and Pet Trainers
Exceptions      classes of business and Kennels; Eligible SIC Codes: 07420; 07521; 07522; Policy level
                coverage, so SIC Code driven, for information purposes includes these Eligible Class Codes:
                65121AF; 59997E; 59997G; 59997B;

Dependencies    Must have General Liability Coverage and the limit is part of the GL limit.

Location        Coverage is at a policy level

Generation      Form should generate any time this class is selected

Form Tags       None. Form is text only with no variable fields

Rating          Priced by number of Veterinarians and Partners.



Confidential – Internal Only                                                                  Page 68 of 68

				
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