Declarations Page

					                                                        Declarations Page
This is Occurrence Coverage. Please Review the Policy Carefully.

    This Declarations Page is issued in conjunction with and forms a part of Policy Number: HJ464770T
                                                                       Renewal of Number: NEW BUSINESS

Item 1.   Name of Insured: PARTICIPATING MEMBERS OF THE STENCIL ARTISANS LEAGUE, INC.;
                                 DBA: INTERNATIONAL DECORATIVE ARTISAN LEAGUE, INC. (IDAL)

          Address:      1100-H BRANDYWINE BOULEVARD
                        ZANESVILLE, OH 43701-7303

Item 2.   Policy Period:                    PER CERTIFICATE ON FILE WITH THE COMPANY
                                      (both days at 12:01 a.m. Pacific Standard Time at address of Insured stated above)

Item 3.   Description of Insurance afforded hereunder:                 COMMERCIAL GENERAL LIABILITY – OCCURRENCE

Item 4.   Limits of Liability:           Coverage is provided only if a limit is shown below:




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          General Aggregate Limit (other than Products–Completed Operations)                            $   3,000,000.00
          Products – Completed Operations Aggregate Limit                                               $   3,000,000.00
          Personal & Advertising Injury Limit                                                           $   1,000,000.00
          Each Occurrence Limit
          Medical Payments Limit
          Fire Damage Limit
                                          l                                                             $
                                                                                                        $
                                                                                                        $
                                                                                                            1,000,000.00
                                                                                                            5,000.00
                                                                                                            50,000.00
                                                                                                                               (any one person)
                                                                                                                               (any one fire)
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Item 5.   Deductible:                      $ 250.00                                    Per Claim              Per Occurrence/Offense
                                                                                                                       See Endorsement Number: 15

Item 6.   Service of Suit Nominee:         Mendes & Mount, LLP            Phone: (213) 955-7700; Fax: (213) 955-7725
                                           725 South Figueroa Street, 19th Floor, Los Angeles, CA 90017-5419
                  Sa

Item 7.   The Named Insured is:                   Individual                          Partnership            Corporation
                                                  Joint Venture                       Other                  Limited Liability Corporation

Item 8.   Premium:         The premium stated herein is the minimum premium for the policy period. Any adjustment upon audit
                           will be upward only. There will be no premium refund of the minimum premium upon audit, if the
                           estimated exposure is less than shown herein. Thirty-five percent (35%) of the annual premium is fully
                           earned as of the inception date of the policy.

              Annual                         Term      PER CERTIFICATE ON FILE WITH THE COMPANY
              Flat                           Adjustable at a Rate of: PER CERTIFICATE ON FILE WITH THE COMPANY
              Flat Fully Earned                     Estimated Exposure: PER CERTIFICATE ON FILE WITH THE COMPANY

Item 9.   Endorsements and forms attached to this Policy:        ADEC1 (ED. 10/00); OCCUR (ED. 05/04)

           ENDORSEMENTS 1 THROUGH 20

Dated at P.O. Box 1069, Solvang, CA 93464
Lic. #0C17921 (the Office of the Correspondent)

This November 13, 2009 by SHG Insurance Services (the Correspondent)

This evidences that insurance has been placed with certain UNDERWRITERS AT LLOYD'S, LONDON. Percentage: 100%




                                                                                                                           LLOYDSOCCDEC (ED. 10/09)
                                                 ADDITIONAL DECLARATIONS
                        For attachment to Policy Number                     HJ464770T                  to complete said policy.
Location of all premises owned by, rented to or controlled by the Named Insured (Enter “Same” if same location as address shown in Item 1 of the declarations).
 SAME
The following discloses all hazards Insured hereunder known to exist at the effective date of this policy, unless otherwise stated herein.

                                                 GENERAL LIABILITY HAZARDS SCHEDULE

 Description of Hazard                       Code No.            Premium Basis                          Rates                              Advance Premiums
 Premises & Operations                                           Gross Receipts                  BI                 PD                     BI             PD
                                                                                            Per $1,000 of     Gross Receipts


 PAINTING – INTERIOR –                          98305        PER CERTIFICATE            PER CERTIFICATE INCLUDED                   PER CERTIFICATE INCLUDED
 BUILDING OR STRUCTURES                                      ON FILE WITH THE           ON FILE WITH THE                           ON FILE WITH THE
                                                             COMPANY                    COMPANY                                    COMPANY



 Escalators (Number at Premises)                             Number Insured              Per Landing




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 NOT                                                         NOT                         NOT                     NOT                NOT                   NOT
 INCLUDED                                                    INCLUDED                    INCLUDED                INCLUDED           INCLUDED              INCLUDED
 Independent Contractors                                     Cost                        Per $1000 of cost

 INCLUDED                                            l       INCLUDED                    INCLUDED                INCLUDED           INCLUDED              INCLUDED
                                                  mp
 Completed Operations

 INCLUDED                                                    INCLUDED                    INCLUDED                INCLUDED           INCLUDED              INCLUDED

 Products                                                        Gross Receipts             Per $1,000 of        Gross
                                                                                                                 Receipts
 INCLUDED
                         Sa

                                                             INCLUDED                    INCLUDED                INCLUDED           INCLUDED              INCLUDED




                                                                                   Total Advance BI & PD Premiums                   $250.00               INCLUDED
When used as a premium basis:
  1.       “admissions” means the total number of persons, other than employees of the named insured, admitted to the event insured or to events
           conducted on the premises whether on paid admission tickets, complementary tickets or passes;
  2.       “cost” means the total cost to the named insured with respect to operations performed for the named insured during the policy period by
           independent contractors of all work let or sub-let in connection with each specific project, including the cost of all labor, materials and
           equipment furnished, used or delivered for use in the execution of such work, whether furnished by the owner or contractor or subcontractor,
           including all fees, allowances, bonuses or commissions made, paid or due;
  3.       “receipts” means the gross amount of money charged by the named insured for such operations by the named insured or by others during the
           policy period as are rated on a receipts basis other than receipts from telecasting, broadcasting or motion pictures, and includes taxes other
           than taxes which the named insured collects as a separate item and remits directly to a governmental division;
  4.       “remuneration” means the entire remuneration earned during the policy period by proprietors and by all employees of the named insured,
           other than chauffeurs (except operations of mobile equipment) and aircraft pilots and co-pilots, subject to any overtime earnings or limitation
           of remuneration rule applicable in accordance with the manuals in use by the company;
  5.       “sales” means the gross amount of money charged by the named insured or by others trading under his name for all goods and products sold
           or distributed during the policy period and charged during the policy period for installation, servicing or repair, and includes taxes, other than
           taxes which the named insured and such other collect as a separate item and remit directly to a governmental division;
  6.       “billed hours” means total number of hours billed by the insured to his clients for services rendered as a security guard.




                                                                                                                                                    ADEC1 (ED.10/00)
                                      COMMERCIAL GENERAL LIABILITY
                                       (OCCURRENCE COVERAGE FORM)

VARIOUS PROVISIONS IN THIS POLICY RESTRICT                                              No other obligation or liability to pay sums or perform acts
COVERAGE. READ THE ENTIRE POLICY CAREFULLY TO                                           or services is covered unless explicitly provided for under
DETERMINE YOUR AND OUR RIGHTS, DUTIES AND WHAT                                          SUPPLEMENTARY PAYMENTS - COVERAGES A
IS AND IS NOT COVERED.                                                                  AND B.

Throughout this policy the words you and your refer to the Named                  b.    This insurance applies to bodily injury and property
Insured shown in the Declarations, and any other person or                              damage only if:
organization qualifying as a Named Insured under this policy. The
words an insured or any insured shall include both Named and                            (1) The bodily injury or property damage is caused by
Additional Insureds under this policy. The words we, us and our                             an occurrence that first takes place in the coverage
refer to the company providing this insurance.                                              territory; and

The words insured or insureds mean any person or organization                           (2) The bodily injury or property damage is caused by
qualifying as such under WHO IS AN INSURED (SECTION II).                                    an occurrence which first takes place during the
The terms additional insured or additional insureds mean any                                policy period; and
person or organization qualifying as such under WHO IS AN
ADDITIONAL INSURED (SECTION III).                                                       (3) The onset of bodily injury or property damage must
                                                                                            first take place during the policy period. This does not
Some words and phrases used in this policy are in boldface type, but                        include the onset of bodily injury or property




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are not defined and shall be given their commonsense meaning.                               damage which takes place prior to or after the
Other words and phrases in boldface type used in this policy have                           expiration of the policy period, regardless of when
special meaning and are set forth in SECTION VI -DEFINITIONS                                such occurrence takes place.
or in the foregoing recitals.

SECTION I - COVERAGES                        l                                    c.    All property damage or bodily injury caused by or related
                                                                                        to an occurrence is deemed to take place when the damage
                                                                                        or injury first becomes known to anyone, regardless of
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COVERAGE A. BODILY INJURY AND PROPERTY                                                  whether the damage or injury is continuous, progressive,
                                                                                        repeated, changing or results from exposure to substantially
DAMAGE LIABILITY
                                                                                        the same general harm.
1.   INSURING AGREEMENT                                                           d.    Damages for bodily injury include damages claimed by
                                                                                        any person or organization for care, loss of services or
     a.   We will pay those sums that an insured becomes legally                        death resulting at any time from the bodily injury.
          obligated to pay as damages for bodily injury or
                   Sa

          property damage to which this insurance applies. We
                                                                               EXCLUSIONS: COVERAGE A
          will have the right and duty to defend any suit seeking
          those damages to which this insurance applies. However,
                                                                               This insurance does not apply to:
          we will have no duty to defend an insured or pay those
          sums that an insured becomes legally obligated to pay as
                                                                                   a.    Expected or Intended Injury
          damages for bodily injury or property damage to which
          this insurance does not apply. We have no duty to pay any
                                                                                         Bodily injury or property damage expected or intended
          award against an insured for attorneys’ fees pursuant to
                                                                                         from the standpoint of an insured.
          any law, statute, ordinance, rule or regulation of any state,
          federal or municipal governmental agency, or pursuant to
                                                                                   b.    Contractual Liability
          any contract entered into by any insured. We may at our
          discretion investigate any occurrence and settle any claim
                                                                                         Bodily injury or property damage for which an insured
          or suit that may result. However:
                                                                                         is obligated to pay damages by reason of the assumption
                                                                                         of liability in a contract or agreement. This exclusion does
          (1) The amount we will pay for damages is limited as
                                                                                         not apply to liability for damages:
              described in LIMITS OF INSURANCE (SECTION
              IV).
                                                                                         (1) Assumed by the Named Insured in a written contract
                                                                                             or written agreement that is an Insured contract,
          (2) Subject to (1) above, our right and duty to defend
                                                                                             provided the bodily injury or property damage
              end when we have used up the applicable limit of
                                                                                             occurs subsequent to the execution of the written
              insurance by payment of any judgments, costs of
                                                                                             contract or written agreement and provided the
              defense, expenses or settlements under Coverages A,
                                                                                             property damage or bodily injury results from the
              B or C.
                                                                                             negligence, fault or comparative fault of the Named
                                                                                             Insured and is not otherwise excluded by the terms of
                                                                                             this policy; or


                                                              (Page 1 of 18)                                         OCCUR (ED. 05/04)
     (2) That a Named Insured would have in the absence of a               f.   Absolute Pollution
         contract or agreement.
                                                                                This exclusion applies to bodily injury or property
c.   Liquor Liability                                                           damage which, in whole or in part, is caused by, results
                                                                                from, is attributable to, contributes to, acts in conjunction
     Bodily injury or property damage for which an insured                      with, or is aggravated by:
     may be held liable by reason of:
                                                                                (1) The actual, alleged or threatened discharge, dispersal,
     (1) Causing or contributing to the intoxication of any                         seepage, migration, release, escape of or exposure to
         person;                                                                    pollutants, regardless of the source of the
                                                                                    pollutants; or
     (2) The furnishing of alcoholic beverages to a person
         under the legal drinking age or under the influence of                 (2) Any other cause acting in conjunction with said
         alcohol; or                                                                pollutants. This includes but is not limited to
                                                                                    pollutants such as carbon monoxide, smoke, mold,
     (3) Any statute, ordinance, regulation or law relating to                      soot, vapors, acids, alkalis, chemicals, gasoline,
         the sale, gift, distribution or use of alcoholic                           hydrogen sulfide, soot, dust, hydrocarbons, lead,
         beverages.                                                                 insecticides, paint, exhaust from any auto, vehicle or
                                                                                    aircraft, or any contamination from any combination
     This exclusion applies even if an insured is in the                            of the aforementioned pollutants; or
     business of manufacturing, distributing, selling, serving or
     furnishing alcoholic beverages.                                            (3) Whether any pollutant is in the form of gas, liquid or
                                                                                    particle, and whether or not the injury is commonly




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d.   Workers’ Compensation and Similar Laws                                         thought of as arising from pollution; or

     Any obligation of an insured under a workers’                              (4) Whether the injury or damage caused by the
     compensation, disability benefits or unemployment                              pollutants was sudden or accidental, or whether the


e.
                                       l
     compensation law or any similar law.

     Employer's Liability
                                                                                    injury or damage was progressive, continuing,
                                                                                    chronic, acute or resulted from repeated exposure to
                                                                                    substantially the same general harm; or
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     Bodily injury to:                                                          (5) Any loss, cost or expense arising out of any:

     (1) An employee of an insured arising out of and in the                         (a) Request, demand or order that any insured or
         course of employment by an insured or performing                                others test for, monitor, clean up, remove,
         duties relating to an insured’s business, regardless of                         contain, treat, detoxify or neutralize, or in any
         who may be liable; or                                                           way responding to, or assessing the effects of,
                                                                                         pollutants; or
             Sa

     (2) The spouse, child, parent, brother or sister of that
         employee, as a consequence of (1) above.                                    (b) Claim or suit by or on behalf of any
                                                                                         governmental authority for damages because of
 This exclusion applies:                                                                 testing for, monitoring, cleaning up, removing,
                                                                                         containing, treating, detoxifying, or neutralizing,
     (1) Whether an insured may be liable as an employer or                              or in any way responding to, or assessing the
         in any other capacity; and/or                                                   effects of, pollutants.

     (2) To any obligation to share damages with or repay                   This exclusion applies whether the property damage or
         someone else who must pay damages because of the                   bodily injury is caused by, arises from, results from or is
         injury, including an insured contract.                             attributable to any other cause acting in conjunction with said
                                                                            pollutants.
     (3) To liability assumed by an insured in an insured
         contract.                                                         g.   Aircraft, Auto or Watercraft

     For the purpose of this exclusion only, the term employee                  Bodily injury or property damage arising out of the
     or employees includes loaned, rented, leased or temporary                  ownership, maintenance, use or entrustment to others of
     employees, as well as persons who qualify as borrowed                      any aircraft, auto or watercraft owned, operated by, rented
     servants or employees or persons who are or may be                         or loaned to any insured. Use includes operation, loading
     deemed employees of an insured under the doctrines of                      and unloading.
     borrowed servant, borrowed employee, respondeat
     superior or any similar doctrine, or persons performing the                This exclusion applies even if the claim against an
     duties of an employee, regardless of their legal status, or                insured alleges negligence or other wrongdoing in the
     for whom an insured may be held liable as an employer.                     supervision, hiring, employment, training or monitoring of
                                                                                others by any insured, if the occurrence which caused
                                                                                the bodily injury or property damage involved the


                                                          (Page 2 of 18)                                       OCCUR (ED. 05/04)
     ownership, maintenance, use or entrustment to others of                   (2) Premises an insured sells, gives away or abandons,
     any aircraft, auto or watercraft that is owned or operated                    if the property damage arises out of any part of
     by, rented or loaned to any insured.                                          those premises; or

     This exclusion does not apply to:                                         (3) Property loaned to any insured; or

     (1) A watercraft while ashore on premises you own or                      (4) Personal property in the care, custody or control of
         rent;                                                                     any insured; or

     (2) A watercraft you do not own that is:                                  (5) That particular part of real property on which any
                                                                                   insured or any contractors or subcontractors working
           (a) Less than 26 feet long; and                                         directly or indirectly on an insured’s behalf are
                                                                                   performing operations, if the property damage
           (b) Not being used to carry persons or property for a                   arises out of those operations; or
               charge;
                                                                               (6) That particular part of any property that must be
     (3) Parking an auto on, or on the ways next to, premises                      restored, repaired or replaced because an insured’s
         owned or rented by you, provided the auto is not                          work was incorrectly performed on it.
         owned by, rented or loaned to any insured; or
                                                                               This exclusion applies to liability assumed under an
     (4) Liability assumed under an insured contract for the                   insured contract except that paragraphs (3), (4), (5), and
         ownership, maintenance or use of aircraft or                          (6) of this exclusion do not apply to liability assumed
         watercraft; or                                                        under an insured contract that is a sidetrack agreement.




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     (5) Bodily injury or property damage arising out of the                   Paragraph (6) of this exclusion does not apply to property
         operation of any of the equipment listed in paragraph                 damage included in the products-completed operations
         f.(2) or f.(3) of the definition of mobile equipment                  hazard.


h.
         (Section VI).

     Mobile Equipment
                                       l                                  k.   Damage to Your Product
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                                                                               Property damage to your product arising out of it or any
     Bodily injury or property damage arising out of:                          part of it.

     (1) The transportation of mobile equipment by an auto                l.   Damage to Your Work
         owned, operated by, rented or loaned to any insured;
         or                                                                    Property damage to your work, or the work of any
                                                                               insured, in whole or in part, included in the products-
     (2) The use of mobile equipment in, or while in practice                  completed operations hazard.
              Sa

         or preparation for, a racing, speed or demolition
         contest, or in any stunting activity.                                 This exclusion does not apply if the damaged work or the
                                                                               work out of which the damage arises was performed on
     (3) Any obligation of an insured under any uninsured or                   your behalf by a subcontractor.
         underinsured motorist statute or law which may arise
         from the transportation, operation or use of mobile              m. Damage to Impaired Property or Property Not
         equipment.                                                          Physically Injured.

i.   War                                                                       Property damage to impaired property or property not
                                                                               physically injured arising out of:
     Bodily injury or property damage due to war, whether
     or not declared, or any act or condition incident to war.                 (1) A delay or failure by you or anyone acting on your
     War includes civil war, acts of terrorism, insurrection,                      behalf to perform a contract or agreement in
     rebellion or revolution.                                                      accordance with its terms; or

j.   Damage to Property                                                        (2) A defect, deficiency, inadequacy or dangerous
                                                                                   condition in your product or your work.
     Property damage to:
                                                                               This exclusion does not apply to the loss of use of other
     (1) Property an insured owns, rents or occupies,                          property arising out of sudden and accidental physical
         including any costs or expenses incurred by an                        injury to your product or your work after it has been put
         insured, or any other person, organization or entity,                 to its intended use.
         for repair, replacement, enhancement, restoration or
         maintenance of such property for any reason,
         including prevention of injury to a person or damage
         to another’s property; or


                                                         (Page 3 of 18)                                     OCCUR (ED. 05/04)
n.   Recall of Products, Work or Impaired Property                                   person or organization according to specifications, plans,
                                                                                     suggestions, orders or drawings of any insured, or with
     Damages claimed for any loss, cost or expense incurred                          tools, machinery or other equipment furnished to such
     by you or others for the loss of use, withdrawal, recall,                       persons or organizations by any insured, whether such
     inspection, repair, replacement, adjustment, removal or                         aircraft so withdrawn is owned or operated by the same or
     disposal of:                                                                    different persons or organizations.

     (1) Your product; or                                                      The word aircraft includes missiles, spacecraft, or any ground
                                                                               support or control equipment used therewith.
     (2) Your work; or
                                                                              s.     Absolute Earth Movement
     (3) Impaired property;
                                                                                     Bodily injury or property damage arising from, related
                                                                                     to or resulting from:
     if such product, work, or property is withdrawn or recalled
     from the market or from use by any person or organization                       (1) Earth movement, regardless of the cause of the earth
     because of a known or suspected defect, deficiency,                                 movement. Earth movement includes but is not
     inadequacy or dangerous condition in it.                                            limited to landslide, earthquake, subsidence,
                                                                                         mudflow, sinkhole, shrinking, expansion, erosion,
o.   Asbestos/Silica Dust                                                                loss of lateral or subjacent support and the expanding,
                                                                                         rising, falling, shifting, settling or contracting of
     Any liability for bodily injury or property damage                                  earth, whether or not there is any other concurrent
     caused by asbestosis, silicosis, mesothelioma, emphysema,                           causation of the bodily injury or property damage;
     pneumoconiosis,        pulmonary      fibrosis,      pleuritis,                     or




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     endothelioma or any lung disease, or any ailment caused                         (2) Whether or not the earth movement or settling is
     by, or aggravated by exposure, inhalation, consumption, or                          attributable to, or on the part of, any insured.
     absorption of asbestos fibers, dust, or silica dust. There is
     no obligation to defend or pay those sums an insured                            This exclusion only applies to bodily injury and property

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     becomes legally obligated to pay for bodily injury or
     property damage for claims or suits involving or arising
     directly or indirectly from exposure or alleged exposure to
                                                                                     damage that is included in the products-completed
                                                                                     operations hazard.
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     asbestos, dust or silica dust in any form or manner                      t.     Nuclear Energy
     whatsoever.
                                                                                     Any claim for bodily injury or property damage:
p.   Fines or Penalties
                                                                                     (1) (a) With respect to which an insured under the
 Claims based upon or arising out of a fine, sanction or penalty                             policy is also an insured under a Nuclear
 imposed by or under any law, statute, and ordinance of any                                  Energy Liability policy issued by Nuclear
 federal, state or municipal government agency.                                              Energy Liability Insurance Association, Mutual
                Sa

                                                                                             Atomic Energy Liability Underwriters or
q.   Punitive or Exemplary Damages                                                           Nuclear Insurance Association of Canada, or
                                                                                             would be an insured under any such policy but
 Claims for PUNITIVE or EXEMPLARY DAMAGES, fines,                                            for its termination upon exhaustion of its limit of
 sanctions or penalties, including but not limited to any                                    liability; or
 attorneys’ fees awarded as a fine, sanction or penalty.
                                                                                   (b) Resulting from the hazardous properties of nuclear
r.   Aircraft                                                                          material that:
                                                                                              (i)   Any person or organization is required to
     Bodily injury or property damage arising out of the                                            maintain financial protection pursuant to
     products hazard relating to aircraft, including missiles or                                    the Atomic Energy Act of 1954, or any
     spacecraft, any ground support or control equipment used                                       amended laws or statutes; or
     therewith, or any article furnished by any insured and
     installed in aircraft, or used in connection with aircraft, or                           (ii) That entitles any insured to indemnity
     for spare parts for aircraft, or tooling used for the                                         from The United States of America, or any
     manufacture thereof, including ground handling tools and                                      agency thereof, under any agreement
     equipment, training aids, instruction manuals, blueprints,                                    entered into by The United States of
     engineering or other data, advice, services, or labor                                         America, or any agency thereof, with any
     relating to such aircraft or articles, or to any liability                                    person or organization.
     arising out of the grounding of any aircraft.
                                                                                     (2) Under any medical payments coverage, or under any
                                                                                         supplementary payments provision relating to first
     Grounding shall mean the withdrawal of one or more
                                                                                         aid, to expenses incurred with respect to bodily
     aircraft from flight operations or the imposition of speed,
                                                                                         injury resulting from the hazardous properties of
     passenger or load restrictions on such aircraft, or any part
                                                                                         nuclear material and arising out of the operation of
     thereof sold, handled or distributed by any insured, or
                                                                                         a nuclear facility by any person or organization.
     manufactured, assembled or processed by any other


                                                             (Page 4 of 18)                                       OCCUR (ED. 05/04)
     (3) Resulting from the hazardous properties of nuclear                     (4) Emotional, mental, or psychological distress, injury,
         material if:                                                               trauma, anguish, shock, or other similar conditions to
                                                                                    any employee, or to any other person as a result of
          (a) The nuclear material:                                                 (1) through (3) above.
               (i)   Is located at any nuclear facility owned by,               This exclusion applies whether an insured may be held
                     or operated by or on behalf of any insured                 liable as an employer or in any other capacity and to any
                     or                                                         obligation to share damages with or to repay someone
               (ii) Is discharged or dispersed from any nuclear                 else who must pay damages because of the injury.
                    facility owned by, or operated by or on
                    behalf of any insured;                                 w.   Formaldehyde Exclusion

          (b) The nuclear material is contained in spent fuel                   Any liability for bodily injury or property damage
              or waste at any time possessed, handled, used,                    arising out of any product containing any form of
              processed, stored, transported or disposed of by                  formaldehyde or chemically related compounds or
              or on behalf of an insured; or                                    substances.

          (c) The bodily injury or property damage arises                  x.   Electromagnetic Radiation
              out of the furnishing by an insured of services,
              materials, parts or equipment in connection with                  Bodily injury or property damage arising out of any
              the planning, construction, maintenance,                          actual, alleged or threatened exposure to any
              operation or use of any nuclear facility, but if                  electromagnetic fields.




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              such facility is located within The United States
              of America, its territories or possessions or                y.   Repair Work
              Canada, this Exclusion applies only to property
              damage to such nuclear facility and any                           Claims for property damage or bodily injury arising
                                                                                from or related to, in whole or in part, repair work to
              property thereat.

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          (d) For the purposes of this exclusion only,
              property damage includes but is not limited to
                                                                                correct deficiencies in work originally performed by an
                                                                                insured.
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              all forms of radioactive contamination of                    z.   Mold, Fungi, Biological Element or Organic Pathogen
              property.
                                                                                Any and all liability for bodily injury or property
u.   Lead                                                                       damage which is in whole or part caused by, results from,
                                                                                attributable to, aggravated by, or related to, actual, alleged
     Bodily injury or property damage arising out of the                        or threatened presence, or existence of, exposure to any
     ingestion, inhalation or absorption of lead in any form.                   stage or form of mold, fungi, bacteria, virus, pollen,
     Any loss, cost or expense arising out of any request,                      spores, allergen or any organic pathogen; and/or
             Sa

     demand or order that any insured or others test for,
     monitor, clean up, remove, contain, treat, detoxify or                     (1) bodily injury or property damage caused by
     neutralize, or in any way respond to, or assess the effects                    remediation decontamination, removal, eradication or
     of lead; or any loss, cost or expense arising out of any                       detoxification of mold, fungi, bacteria, virus, pollen,
     claim or suit by or on behalf of a governmental authority                      spores, allergen or any organic pathogen; and/or
     for damages because of testing, monitoring, cleaning,
     removing, containing, treating, detoxifying or neutralizing,               (2) Any liability, cost or expense to remediate or prevent
     or in any way responding to, or assessing the effects of                       bodily injury or property damage from mold,
     lead.                                                                          fungi, bacteria, virus, pollen, spores, allergen or any
v.   Employment Practices                                                           organic pathogen, regardless of the origin or cause.

     Bodily injury to an employee of any insured, or any                   Exclusions c. through n. do not apply to damage by fire to
     person performing your work arising out of any:                       premises rented to you. A separate limit of insurance applies to
                                                                           this coverage as described in the LIMITS OF INSURANCE
     (1) Refusal to employ; or                                             (SECTION IV).

     (2) Termination of employment; or

     (3) Coercion, demotion, evaluation, reassignment,
         discipline,     defamation,     slander, harassment,
         humiliation, discrimination, preference, false
         imprisonment, or other employment-related practices,
         policies, acts or omissions; or




                                                          (Page 5 of 18)                                       OCCUR (ED. 05/04)
COVERAGE B.      PERSONAL INJURY                                AND                c.   An offense is deemed to first take place when the
ADVERTISING INJURY LIABILITY                                                            personal injury or advertising injury is first known to
                                                                                        anyone, regardless of whether the damage or injury is
1.   INSURING AGREEMENT                                                                 continuous, progressive, repeated, changing, or results
                                                                                        from exposure to substantially the same general harm.
     a.   We will pay those sums that you become legally obligated
                                                                                   d.   A claim made by a person or organization seeking
          to pay as damages for personal injury or advertising
                                                                                        damages will be deemed to have been made at the earlier
          injury to which this insurance applies. We will have the
                                                                                        of the following times:
          right and duty to defend any suit seeking those damages
          to which this insurance applies. However, we will have no
                                                                                        (1) When notice of such claim is received by an
          duty to defend an insured or pay those sums that an
                                                                                            insured; or
          insured becomes legally obligated to pay as damages for
          personal injury and advertising injury to which this
                                                                                        (2) When notice of such claim is received by us.
          insurance does not apply. We have no duty to pay an
          award against an insured for attorneys’ fees pursuant to
                                                                                        All claims for damages because of personal injury or
          any statute, law or ordinance of the federal, state or
                                                                                        advertising injury to the same person or organization as a
          municipal governmental agency; or pursuant to any
                                                                                        result of an offense will be deemed to have been made at
          contract entered into by any insured. We may at our
                                                                                        the time the first of those claims is made against any
          discretion investigate any offense or occurrence and settle
                                                                                        insured.
          any claim or suit that may result. However:

          (1) The amount we will pay for damages is limited as                   EXCLUSIONS: COVERAGE B




                                                                           e
              described in LIMITS OF INSURANCE (SECTION
              IV).                                                                 This insurance does not apply to:

          (2) Subject to (1) above, our right and duty to defend end               a.   Expected or Intended Injury


                                           l
              when we have used up the applicable limit of
              insurance by payment of any judgments, costs of
              defense, expenses or settlements under Coverage A.
              or B.
                                                                                        Personal Injury or advertising injury expected or
                                                                                        intended from the standpoint of an insured.
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                                                                                   b.   Contractual liability
     No other obligation or liability to pay sums or perform acts or
     services is covered unless explicitly provided for under                           Personal injury or advertising injury for which an
     SUPPLEMENTARY PAYMENTS – COVERAGES A AND                                           insured is obligated to pay damages by reason of the
     B.                                                                                 assumption of liability in a contract or agreement. This
                                                                                        exclusion does not apply to liability for damages:
     b.   This insurance applies to:
                                                                                        (1) Assumed by the Named Insured in a written contract
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          (1) Personal injury caused by an offense arising out of                           or written agreement that is an insured contract,
              your business, excluding advertising, publishing,                             provided the personal injury or advertising injury
              broadcasting or telecasting done by or for you;                               occurs subsequent to the execution of the written
                                                                                            contract or written agreement and provided the
          (2) Advertising injury caused by an offense committed                             personal injury or advertising injury results from
              in the course of advertising your goods, products or                          the negligence, fault or comparative fault of the
              services;                                                                     Named Insured and is not otherwise excluded by the
                                                                                            terms of this policy; or
          (3) This insurance for advertising           injury     and
              advertising injury applies only if:                                       (2) Assumed by the Named Insured in a written contract
                                                                                            or written agreement, but only to the extent of the
               (a) The offense was committed in the coverage                                Named Insured’s percentage of comparative fault.
                   territory; and
                                                                                   c.   Workers’ Compensation and similar laws
               (b) The onset of the offense was not committed
                   before the Inception Date, shown in the                              Any obligation of an insured under a workers’
                   Declarations; and                                                    compensation, disability benefits or unemployment
                                                                                        compensation law or any similar law.
               (c) A claim for damages because of the personal
                   injury or advertising injury first takes place                  d.   Employer’s Liability
                   during policy period; and
                                                                                        Personal Injury or Advertising Injury to:




                                                                (Page 6 of 18)                                         OCCUR (ED. 05/04)
     (1) An employee of an insured arising out of and in the                     (5) Any loss, cost or expense arising out of any:
         course of employment by an insured or performing
         duties relating to an insured’s business, regardless of                       (a) Request, demand or order that any insured or
         who may be liable, or                                                             others test for, monitor, clean up, remove,
                                                                                           contain, treat, detoxify or neutralize, or in any
     (2) The spouse, child, parent, brother or sister of that                              way responding to, or assessing the effects of,
         employee as a consequence of (1) above.                                           pollutants; or

     This exclusion applies:                                                           (b) Claim or suit by or on behalf of a governmental
                                                                                           authority for damages because of testing for,
     (1) Whether an insured may be liable as an employer or                                monitoring, cleaning up, removing, containing,
         in any other capacity; and/or                                                     treating, detoxifying, or neutralizing, or in any
                                                                                           way responding to, or assessing the effects of,
     (2) To any obligation to share damages with or repay                                  pollutants.
         someone else who must pay damages because of the
         injury, including an insured contract; and/or                                 This exclusion applies whether the property damage
                                                                                       or bodily injury is caused by, arises from, results
     (3) To liability assumed by an insured in an insured                              from or is attributable to any other cause acting in
         contract.                                                                     conjunction with said pollutants.

     For the purpose of this exclusion only, the term employee              f.   War
     as used in this policy includes but is not limited to loaned,
     rented, leased or temporary employees, as well as persons               Personal injury or advertising injury due to war, whether or




                                                                      e
     who qualify as borrowed servants or employees or persons                not declared, or any act or condition incident to war. War
     who are or may be deemed employees of an insured                        includes but is not limited to civil war, acts of terrorism,
     under the doctrines of borrowed servant, borrowed                       insurrection, rebellion or revolution.
     employee, respondeat superior or any similar doctrine, or

                                        l
     persons performing the duties of an employee, regardless
     of their legal status, or for whom an insured may be held
     liable as an employer.
                                                                            g.   Fines or Penalties

                                                                             Claims based upon or arising out of a fine or penalty imposed
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                                                                             by or under any law, statute, ordinance or any federal, state or
e.   Absolute Pollution                                                      municipal government agency.

     This exclusion applies to personal injury or advertising               h.   Punitive or Exemplary Damages
     injury which, in whole or in part, is caused by, results
     from, is attributable to, contributes to, acts in conjunction           Claims for PUNITIVE or EXEMPLARY DAMAGES, fines,
     with, or is aggravated by:                                              sanctions or penalties, including but not limited to any
                                                                             attorneys’ fees awarded as a fine, sanction or penalty.
              Sa

     (1) The actual, alleged or threatened discharge, dispersal,
         seepage, migration, release, escape of or exposure to              i.   Personal Injury and Advertising Injury
         pollutants, regardless of the source of the
         pollutants; or                                                          (1) Arising out of oral or written publication of material,
                                                                                     if done by or at the direction of an insured with
     (2) Any other cause acting in conjunction with said                             knowledge of its falsity; or
         pollutants. This includes but is not limited to
         pollutants such as carbon monoxide, smoke, mold                         (2) Arising out of oral or written publication of material,
         soot, vapors, acids, alkalis, chemicals, gasoline,                          the first publication of which took place before the
         hydrogen sulfide, soot, dust, hydrocarbons, lead,                           Retroactive Date, if any; or
         insecticides, paint, exhaust from any auto, vehicle or
         aircraft, or any contamination from any combination                     (3) Arising out of the willful violation of a penal statute
         of the aforementioned pollutants; or                                        or ordinance committed by or with the consent of any
                                                                                     insured; or
     (3) Whether any pollutant is in the form of gas, liquid or
         particle, and whether or not the injury is commonly                     (4) To any insured who has assumed liability in a
         thought of as arising from pollution; or                                    contract or agreement. This exclusion does not apply
                                                                                     to liability for damages that you would have in the
     (4) Whether the injury or damage caused by the                                  absence of a contract or agreement; or
         pollutants was sudden or accidental, or whether the
         injury or damage was progressive, continuing,                           (5) To the failure of goods, products or services to
         chronic, acute or resulted from repeated exposure to                        conform with advertised quality or performance; or
         substantially the same general harm; or
                                                                                 (6) To the wrong description of the price of goods,
                                                                                     products or services; or



                                                           (Page 7 of 18)                                      OCCUR (ED. 05/04)
     (7) To an offense committed by an insured whose                     l.   Lead
         business is advertising, broadcasting, publishing or
         telecasting; or                                                      Personal injury arising out of the ingestion, inhalation or
                                                                              absorption of lead in any form. Any loss, cost or expense
     (8) To misappropriation of advertising ideas or style of                 arising out of any request, demand or order that any
         doing business; or                                                   insured or others test for, monitor, clean up, remove,
                                                                              contain, treat, detoxify or neutralize, or in any way
     (9) To infringement of copyright, title, patent or slogan;               respond to, or assess the effects of lead; or any loss, cost
         or                                                                   or expense arising out of any claim or suit by or on behalf
                                                                              of a governmental authority for damages because of
     (10) To oral or written publication of material that                     testing, monitoring, cleaning, removing, containing,
          disparages a person’s or organization’s goods,                      treating, detoxifying, neutralizing, or in any way
          products or services; or                                            responding to, or assessing, the effects of lead.

     (11) To designing or determining content or websites for            m. Formaldehyde Exclusion
          others; or
                                                                              Any liability for personal injury arising out of any
     (12) To an internet search, access, content or service                   product containing any form of formaldehyde or
          provider; or                                                        chemically related compounds or substances.

     (13) Personal and advertising injury arising out of an              n.   Asbestos/Silica Dust
          electronic chatroom or bulletin board an insured
          hosts, owns or over which an insured exercises                      Any liability for personal injury caused by asbestosis,




                                                                   e
          control.                                                            silicosis, mesothelioma, emphysema, pneumoconiosis,
                                                                              pulmonary fibrosis, pleuritis, endothelioma or any lung
     (14) To personal and advertising injury arising out of                   disease or any ailment caused by, aggravated by exposure,
          the unauthorized use of another’s name or product in                inhalation, consumption or absorption of asbestos fibers,

                                      l
          an insureds’ e-mail address, domain name, metalag,
          or any other similar tactics to mislead another’s
          potential customers.
                                                                              dust or silica dust. There is no obligation to defend or pay
                                                                              any sum for damages to any insured for claims or suits
                                                                              involving or arising directly or indirectly from exposure or
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                                                                              alleged exposure to asbestos, dust or silica dust in any
j.   Trade Secrets                                                            form or manner whatsoever.

     Claims of infringement, misappropriation or violation of            o.   Electromagnetic Radiation
     any trade secrets rights, laws or statutes.
                                                                              Personal injury arising out of any actual, alleged or
k.   Employment Practices                                                     threatened exposure to any electromagnetic fields.
             Sa

     Personal injury or advertising injury arising out of any:           p.   Mold, Fungi, Biological Element or Organic Pathogen

     (1) Refusal to employ; or                                                Any and all liability for personal injury which is in
                                                                              whole or part caused by, results from, attributable to,
     (2) Termination of employment; or                                        contributed to, aggravated by, or related to actual, alleged
                                                                              or threatened presence or existence of or exposure to any
     (3) Coercion, demotion, evaluation, reassignment,                        stage or form of mold, fungi, bacteria, virus, pollen,
         discipline,     defamation,     slander, harassment,                 spores, allergen or any organic pathogen; and/or
         humiliation, discrimination, preference, false
         imprisonment, or other employment-related practices,                 (1) Personal injury arising out of remediation
         policies, acts or omissions; or                                          decontamination,       removal,     eradication      or
                                                                                  detoxification of mold, fungi, bacteria, virus, pollen,
     (4) Shock, or emotional, mental or psychological                             spores, allergen or any organic pathogen; and/or,
         distress, injury, trauma or anguish or other similar
         conditions to any employee or to any other person as                 (2) Any liability, cost or expense to remediate or prevent
         a result of (1) through (3) above.                                       personal injury from mold, fungi, bacteria, virus,
                                                                                  pollen, spores, allergen or any organic pathogen
     This exclusion applies whether an insured may be held                        regardless of the origin or cause.
     liable as an employer or in any other capacity and to any
     obligation to share damages with or to repay someone                q.   Absolute Earth Movement
     else who must pay damages because of the injury.
                                                                              Personal injury or advertising injury arising out of,
                                                                              related to, or resulting from:




                                                        (Page 8 of 18)                                      OCCUR (ED. 05/04)
           (1) Earth movement, regardless of the cause of the earth                        (3)    The injured person submits to examination, at our
               movement. Earth movement includes but is not                                        expense, by physicians of our choice, as often as we
               limited to landslide, earthquake, subsidence,                                       reasonably require.
               mudflow, sinkhole, shrinking, expansion, erosion,
               loss of lateral or subjacent support and the expanding,                c.         We will make these payments regardless of fault. These
               rising, falling, shifting, settling or contracting of                             payments will not exceed the applicable limit of insurance.
               earth, whether or not there is any other concurrent                               We will pay reasonable expenses as a result of the
               causation of the personal injury or advertising                                   accident for:
               injury; or
                                                                                                 (1) First aid at the time of an accident; and
           (2) Whether or not the earth movement or settling is
               attributable to, or on the part of, any insured.                            (2)    Necessary medical, surgical, x-ray and dental services,
                                                                                                   including prosthetic devices; and
           This exclusion only applies to personal injury or
           advertising injury that is included in the products-                            (3)    Necessary ambulance, hospital, professional nursing and
           completed operations hazard.                                                            funeral services.

                                                                                      d.         If you recover expenses or damages covered under this
SUPPLEMENTARY PAYMENTS - COVERAGES A                                                             part from any other person or entity, then these expenses
AND B                                                                                            or damages shall be reimbursed to us and shall not be
                                                                                                 treated as a collateral source payment to an insured.
We will pay, with respect to any claim or suit we defend:
                                                                                 2.        EXCLUSIONS




                                                                           e
1.   All expenses we incur.
                                                                                           We will not pay expenses for bodily injury:
2.   Up to $250 for cost of bail bonds required because of accidents


                                             l
     or traffic law violations arising out of the use of any vehicle to
     which the Bodily injury Liability Coverage applies. We do not
     have to furnish these bonds.
                                                                                           a.

                                                                                           b.
                                                                                                 To any insured.

                                                                                                 To a person hired to do work for or on behalf of any
                                                                                                 insured or a tenant of any insured.
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3.   The cost of bonds to release attachments, but only for bond
     amounts within the applicable limit of insurance. We do not                           c.    To a person injured on that part of premises any insured
     have to furnish these bonds.                                                                owns or rents that the person normally occupies.

4.   All interest on the full amount of any judgment that accrues                          d.    To a person, whether or not an employee of any insured,
     after entry of the judgment and before we have paid, offered to                             if benefits for the bodily injury are payable or may be
     pay, or deposited in court that part of the judgment that is                                provided under a workers' compensation or disability
     within the coverage of this policy and the applicable limit of                              benefits law or a similar law.
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     insurance.
                                                                                           e.    To a person injured while taking part in, or training for,
THESE PAYMENTS WILL REDUCE THE APPLICABLE                                                        athletics.
LIMITS OF INSURANCE SHOWN IN THE DECLARATIONS.
                                                                                           f.    Excluded under Coverage A.

COVERAGE C. MEDICAL PAYMENTS                                                               g.    Due to war, whether or not declared, or any act or
                                                                                                 condition incident to war. War includes but is not limited
1.   INSURING AGREEMENT                                                                          to civil war, acts of terrorism, insurrection, rebellion or
                                                                                                 revolution.
     a.    We will pay medical expenses as described below for
           bodily injury caused by an accident:
                                                                                 SECTION II - WHO IS AN INSURED
           (1) On premises you own or rent; or
                                                                                 1.        If you are designated in the Declarations as:
           (2) On ways next to premises you own or rent;
                                                                                           a.    An individual, you and your spouse qualify as Named
     b.    This insurance under this coverage part applies only if:                              insureds, but only with respect to the conduct of a
                                                                                                 business of which you are the sole owner and which is set
     (1)    The accident takes place in the coverage territory and                               forth in the Declarations.
             during the policy period; and
                                                                                           b.    A partnership or joint venture, you qualify as a Named
     (2)    The expenses are incurred and reported to us within one                              insured. However, your members, your partners, and
             year of the date of the accident; and                                               their spouses are not insureds.




                                                                (Page 9 of 18)                                                 OCCUR (ED. 05/04)
     c.    An organization other than a partnership or joint venture,              3.   Any organization you newly acquire or form, other than a
           you are a Named insured. Your executive officers and                         partnership or joint venture, and over which you maintain
           directors are insureds, but only with respect to their duties                ownership or majority interest, will qualify as a Named Insured
           as your officers or directors. Your stockholders are also                    if there is no other similar insurance available to that
           insureds, but only with respect to their liability as                        organization. However:
           stockholders.
                                                                                        a.   Coverage under this provision is afforded only until the
     d.    A limited liability company, you are a Named insured.                             90th day after you acquire or form the organization or the
           However, your members or managers are not an insured.                             end of the policy period, whichever is earlier;

2.   Each of the following also qualifies as a Named Insured:                           b.   Coverage A does not apply to bodily injury or property
                                                                                             damage that occurred before you acquired or formed the
     a.    Your employees, other than your executive officers, but                           organization; and
           only for acts within the scope of their employment by you.
           However, no employee is an insured for:                                      c.   Coverage B does not apply to personal injury or
                                                                                             advertising injury arising out of an offense committed
           (1) Bodily injury or personal injury to you or to a co-                           before you acquired or formed the organization.
               employee while in the course of his or her
               employment, or the spouse, child, parent, brother or                     No person or organization is an insured with respect to the
               sister of that co-employee as a consequence of such                      conduct of any current or past partnership or joint venture that
               bodily injury or personal injury, or for any                             is not shown as a Named Insured in the Declarations.
               obligation to share damages with or repay someone
               else who must pay damages because of the injury; or




                                                                            e
                                                                                   SECTION III – ADDITIONAL INSUREDS
           (2) Bodily injury or personal injury arising out of his
               or her providing or failing to provide professional                 1.   The following provisions apply to Additional Insureds:
               health care services, or

                                              l
           (3) Property damage to property owned, occupied,
                rented, or loaned to that employee, or any of your
                                                                                        a.   The term additional insured or additional insureds shall
                                                                                             include any person or organization only if:
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                other employees.                                                             (1) The person, organization or entity is specifically
     b.    Any person or organization having proper temporary                                    designated as an additional insured on a Certificate
           custody of your property if you die, but only:                                        of Insurance approved by us.            However, the
                                                                                                 members, spouses, partners, employees, officers,
     (1)    With respect to liability arising out of the maintenance or                          directors and/or managers of the organizations,
             use of that property; and                                                           entities or persons are not additional insureds.

     (2)    Until your legal representative has been appointed.                              (2) The approved Certificate of Insurance must be on file
                    Sa

                                                                                                 with us; and
     c.    Your legal representative if you die, but only with respect
                                                                                             (3) An additional premium has been charged and
           to duties as such. That representative will have all your
                                                                                                 received by us for the additional insured appearing
           rights and duties under this Coverage Part.
                                                                                                 on the approved Certificate of Insurance; and
     d.    With respect to mobile equipment registered in your
                                                                                        b.   Our failure to accept or reject any Certificate of Insurance
           name under any motor vehicle registration law, any person
                                                                                             or additional insured endorsement, including additional
           qualifies as a Named insured while driving such
                                                                                             premium charges, does not extend additional insured
           equipment along a public highway with your permission.
                                                                                             status beyond that which is granted in this policy.
           Any other person or organization responsible for the
           conduct of such person also qualifies as a Named insured,                    c.   The applicable limit of our liability shall not be increased
           but only with respect to liability arising out of the                             by the inclusion of any number of additional insureds.
           operation of the equipment, and only if no other insurance
           of any kind is available to that person or organization for                  d.   Coverage provided for any additional insured is only to
           this liability. However, no person or organization is an                          the extent the additional insured is being held liable for
           insured with respect to:                                                          your acts or omissions.

           (1) Bodily injury to a co-employee of the person driving                     e.   A Certificate of Insurance will not be evidence of
               the equipment; or                                                             coverage unless we have given prior approval for it and it
                                                                                             is on file with us. An agent or broker has no authority to
           (2) Property damage to property owned by, rented to, in                           issue a Certificate of Insurance without obtaining our
               the charge of or occupied an insured or the employer                          prior approval. We are not bound by any Certificate of
               of any person who is an insured under this                                    Insurance we are not aware of, did not authorize, or is not
               provision.                                                                    in our file.




                                                                 (Page 10 of 18)                                           OCCUR (ED. 05/04)
          f.   The terms of this policy shall always control the coverage        4. Subject to 2. above, the Personal and Advertising Injury Limit is
               provisions, if any, contained in a Certificate of Insurance.         the most we will pay under Coverage B for the sum of all damages
                                                                                    because of all personal injury and advertising injury sustained by
          g.   Other than as expressly modified herein, any coverage                any one person or organization.
               provided to an additional insured under this policy shall
               be primary insurance only if:                                     5. Subject to 2. or 3. above, whichever applies, the Each Occurrence
                                                                                    limit is the most we will pay for the sum of:
               (1) Such claim, loss or liability is determined to be solely
                   the negligence or responsibility of the Named                           a.   Damages under Coverage A; and
                   Insured; and
                                                                                           b.   Medical expenses under Coverage C because of all bodily
               (2) No other person or entity is comparatively or                                injury and property damage arising out of any
                   contributarily at fault; and                                                 occurrence.
               (3) The Additional Insured does not have any other
                                                                                           c.   The Fire Damage Limit is the most we will pay under
                   valid and collectible insurance that is primary
                                                                                                Coverage A for damages because of property damage to
                   insurance; and
                                                                                                premises rented to you arising out of any fire.
               (4) An additional premium has been charged and
                   received by us for the .primary wording appearing on                    d.   The Medical Expense Limit is the most we will pay under
                   the approved Certificate of Insurance.        If an                          Coverage C for all medical expenses because of bodily
                   additional premium has been charged and received by                          injury sustained by any person.
                   us and the Additional Insured has other primary
                                                                                      6.   The most we will pay for the sum of all damages under bodily




                                                                               e
                   insurance, then we will share with that other
                   insurance in the method set forth in Section V,                         injury or property damage under all issued policies for any
                   paragraph 8 c.                                                          claim or suit is a single aggregate limit of insurance, less
                                                                                           expenses, costs and attorneys’ fees as provided for in the
                                                                                           policy.
2.

                                                 l
          Any person or entity that is not specifically shown as an
          additional insured on a Certificate of Insurance approved by
          us, and/or who has not paid an additional premium prior to
          notice of the claim, is not entitled to any benefits or coverage
                                                                                           The limits of this Coverage Part 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
                                              mp
          under this policy.                                                               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
SECTION IV - LIMITS OF INSURANCE                                                           Insurance.
1.        The Limits of Insurance shown in the Declarations and the
          rules below fix the most we will pay regardless of the number
          of:                                                                         SECTION V - COMMERCIAL                                GENERAL
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                                                                                      LIABILITY CONDITIONS
          a.   Insureds; or
                                                                                           We have no duty to pay or defend an insured under this policy
          b.   Claims made or suits brought; or                                            unless any insured has fully complied with the conditions
                                                                                           contained in this insurance.
          c.   Persons or organizations making claims or bringing suits.
                                                                                      1.   BANKRUPTCY
2.        The General Aggregate Limit is the most we will pay for the
          sum of:                                                                          Your bankruptcy or the insolvency of your estate will not
                                                                                           relieve us of our obligations under this Coverage Part.
          a.   Medical expenses under coverage C;
                                                                                      2.   CANCELLATION
          b.   Damages under Coverage A, except damages because of
               bodily injury or property damage included in the                            a.   The first Named Insured shown in the Declarations may
               products-completed operations hazard; and                                        cancel this policy by mailing or delivering to us advance
                                                                                                written notice of cancellation.
     c.        Damages under Coverage B.
                                                                                           b.   We may cancel this policy by mailing or delivering to the
3.        The Products-Completed Operations Aggregate Limit is the                              first Named Insured written notice of cancellation at least:
          most we will pay under Coverage A for damages because of
          bodily injury and property damage included in the products-                           (1) 10 days before the effective date of cancellation if we
          completed operations hazard.                                                              cancel for non-payment of premium; or

                                                                                                (2) 30 days before the effective date of cancellation if we
                                                                                                    cancel for any other reason.


                                                                    (Page 11 of 18)                                           OCCUR (ED. 05/04)
     c.   We will mail or deliver our notice to the first Named                            (2) Comply with laws, regulations, codes or standards.
          Insured's address shown in this policy.
                                                                                       These conditions apply not only to us, but also to any rating,
     d.   Notice of cancellation will state the effective date of                      advisory rate service or similar organization which makes
          cancellation. The policy period will end on that date.                       insurance inspections, surveys, reports or recommendations.

                                                                                 6.   DUTIES IN THE EVENT OF AN OCCURRENCE,
     e.   If this policy is cancelled, we will send the first Named
                                                                                      OFFENSE, CLAIM OR SUIT
          Insured any premium refund due as follows:
                                                                                      a.   Any insured must see to it that we are notified
          (1) if we cancel, the refund will be pro rata; or
                                                                                           immediately of an occurrence or offense which may
                                                                                           result in a claim. Notice should include:
          (2) if the first Named Insured cancels, the refund may be
              less than pro rata and will be computed by the
                                                                                           (1) How, when and where the occurrence or offense
              Company's customary short-rate procedure.
                                                                                               took place;
          The cancellation will be effective even if we have not                           (2) The names and addresses of any injured persons and
          made or offered a refund.                                                            witnesses; and

     f.   If we elect to audit the policy rate basis under the                             (3) The nature and location of any injury or damage
          provisions of Section V, the first Named Insured agrees to                           arising out of the occurrence or offense.
          pay the higher of:
                                                                                      b.   If a claim is brought against an insured, the insured
          (1) the earned premium as computed by such audit; or                             must:




                                                                          e
          (2) the earned premium as computed by such customary                             (1) Immediately record the specifics of the claim or suit
              short-rate procedure of the minimum and deposit                                  and the date received, and
              premium if the first Named Insured cancels, or as


     g.
                                             l
              computed pro rata if the company cancels the policy.

          If notice is mailed, proof of mailing will be sufficient
                                                                                           (2) Notify us as soon as practicable, but not more than
                                                                                               ten (10) days following initial notice of the claim.

                                                                                           You must see to it that we receive written notice of the
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          proof of notice.
                                                                                           claim or suit as soon as practicable, but no greater than
3.   CHANGES                                                                               ten (10) days following initial notice of an occurrence or
                                                                                           offense. Failure to comply with this notice provision may
     This policy contains all the agreements concerning the                                result in the elimination of coverage under this policy.
     insurance afforded. The first Named Insured shown in the
     Declarations is authorized to make changes in the terms of this                  c.   You and any other involved insured must:
     policy only with our written consent. This policy's terms can be
                   Sa

     amended or waived only by endorsement issued by us and                                (1) Immediately send us copies of any demands, notices,
     made a part of this policy.                                                               summons or legal papers received in connection with
                                                                                               the claim or suit; and
4.   EXAMINATION OF YOUR BOOKS AND RECORDS
                                                                                           (2) Authorize us to obtain records and other information;
     We may examine and audit your books and records as they                                   and
     relate to this policy at any time during the policy period and up
     to three years afterward.                                                             (3) Cooperate with us in the investigation, settlement or
                                                                                               defense of the claim or suit; and
5.   INSPECTIONS AND SURVEYS
                                                                                           (4) Assist us, upon our request, in the enforcement of
     We have the right but are not obligated to:                                               any right against any person or organization which
                                                                                               may be liable to the insured because of injury or
     a.   Make inspections and surveys at any time; or                                         damage to which this insurance may also apply.

     b.   Give you reports on the conditions we find; or                              d.   We shall not be liable for any cost, payment, expense or
                                                                                           obligation assumed or incurred by an insured without our
     c.   Recommend changes.
                                                                                           express consent. Nothing in this subparagraph d. shall be
     Any inspections, surveys, reports or recommendations relate                           construed to expand upon coverage nor lengthen or
     only to insurability and the premiums to be charged. We do                            expand the periods in which claims or suits are to be
     not make safety inspections. We do not undertake to perform                           reported as set forth in paragraphs a. through c. of this
     the duty of any person or organization to provide for the health                      Section.
     or safety of workers or the public. We do not warrant that
     conditions:
          (1) Are safe or healthful; or


                                                               (Page 12 of 18)                                          OCCUR (ED. 05/04)
7.   LEGAL ACTION AGAINST US                                                          c.   Method of Sharing

     No person or organization has a right under this Coverage Part:                       Where paragraph b. is applicable, and this insurance must
                                                                                           share with other excess insurance, the following method of
     a.   To join us as a party or otherwise bring us into a suit                          sharing shall be followed:
          asking for damages from an insured; or
                                                                                           If all of the other contributing excess insurance permits
     b.   To sue us on this Coverage Part without first fully                              contribution by equal shares, we will follow this method
          complying with all of the terms of this policy of insurance.                     also. Under this approach each insurer contributes equal
                                                                                           amounts until it has paid its applicable limit of insurance
          A person or organization may sue us to recover on an                             or none of the loss remains, whichever comes first.
          agreed settlement or on a final judgment against an
          insured obtained after an actual trial; but we will not be                       If any of the other insurance does not permit contribution
          liable for damages that are not payable under the terms of                       by equal shares, we will contribute by limits. Under this
          this Coverage Part or that are in excess of the applicable                       method, each insurer's share is based upon the ratio of its
          limit of insurance. An agreed settlement means a                                 applicable limit of insurance to the total applicable limits
          settlement and release of liability signed by us, the                            of insurance of all insurers providing excess coverage.
          insured and the claimant or the claimant's legal
          representative.                                                                  The above methods of sharing will also apply where no
                                                                                           primary insurance, as set forth in b. above, is applicable to
8.   OTHER INSURANCE                                                                       the loss. In such instance, all applicable deductibles and/or
                                                                                           self-insured amounts must first be exhausted before this
     If other insurance is available to an insured for a damage we                         insurance will apply.




                                                                          e
     cover under Coverages A, B or C of this policy, our obligations
     are limited as follows:                                                     9.   PREMIUM AUDIT

     a.   Primary Insurance                                                           a.   We will compute all premiums for this policy in

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          This insurance is primary except where paragraph b.
          below applies. When other insurance applicable to the                       b.
                                                                                           accordance with our rules and rates.

                                                                                           If the premium for this policy is designated as a
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          loss, injury or damage on behalf of an insured is also                           MINIMUM AND DEPOSIT PREMIUM, then we shall be
          excess, as set forth in paragraph b. below, then we will                         entitled to retain that premium in full, notwithstanding any
          share with other excess insurance by the method described                        subsequent audit showing an earned premium to be less
          in c. below.                                                                     than the amount designated as the MINIMUM AND
                                                                                           DEPOSIT PREMIUM. In no event shall all or any part of
     b.   Excess Insurance                                                                 a MINIMUM AND DEPOSIT PREMIUM be returnable
                                                                                           to you predicated upon the results of any general audit or
          Where permitted by law, this insurance is excess over any                        audit of payroll, receipts or sales. Notwithstanding the
                  Sa

          other insurance naming an insured, whether such                                  foregoing, a MINIMUM AND DEPOSIT PREMIUM is
          insurance is primary, excess, contingent or contributing.                        subject to an upward adjustment if an audit shows that the
          This insurance may not be used to satisfy any deductible                         total earned premium exceeds the MINIMUM AND
          or self-insured retention amounts an insured may owe as                          DEPOSIT PREMIUM. In that case, the amount by which
          a result of loss, damage or injury.                                              the total earned premium exceeds the MINIMUM AND
                                                                                           DEPOSIT PREMIUM shall be due and payable on notice
          When this insurance is excess, we will have no duty under                        to the first Named Insured.
          Coverage A, B or C to defend any claim or suit that any
          other insurer has a duty to defend.                                         c.   The first Named Insured must keep records of the
                                                                                           information we need for the premium computation, and
          When this insurance is excess over other insurance, we                           send us copies at such times as we may request.
          will pay only our share of the amount of the loss, if any,
          that exceeds the sum of:                                                    d.   If the first Named Insured refuses to allow us access to its
                                                                                           records sufficiently to conduct such audit of the policy
          (1) The total amount that all such other insurance would                         term, then we shall, at our sole discretion, have the option
              pay for the loss in the absence of this insurance; and                       to pursue either one of the following:

          (2) The total of all deductible and self-insured retention                       (1) To initiate all available legal and/or equitable
              amounts under all other insurance.                                               remedies available in a court of proper jurisdiction to
                                                                                               enforce and accomplish the subject audit; or
          We will share the remaining loss, if any, with any other
          insurance that is not described in this Excess Insurance                         (2) To invoice the first Named Insured for an additional
          provision and was not bought specifically to apply in                                premium equal to THE GREATER OF twenty-five
          excess of the Limits of Insurance shown in the                                       percent (25%) of the original minimum and deposit
          Declarations of this Coverage Part.                                                  premium shown on the declarations page of this
                                                                                               policy or five thousand dollars ($5,000.)


                                                               (Page 13 of 18)                                           OCCUR (ED. 05/04)
   e.   Additional premiums invoiced under option (2) of the                   12. SEPARATION OF INSUREDS
        above Section V, Paragraph 9.d. are due and payable on
        such invoicing to the first Named Insured. Interest allowed                 Except with respect to the Limits of Insurance and any rights or
        by the Insured’s state laws, or if no such laws, then ten                   duties specifically assigned in this Coverage Part to the first
        percent (10%) interest, shall begin to accrue thirty (30)                   Named Insured, this insurance applies:
        days after such invoicing on all amounts due from the first
        Named Insured under said Section V, Paragraph 9.d.                               a.   As if each Named Insured were the only Named
        above. The first Named Insured further agrees to pay the                              Insured; and
        Company, upon demand, all reasonable attorneys' fees,
        collection costs, and court costs required by the Company                        b.   Separately to each insured against whom claim is
        to enforce its rights and remedies under either option (1)                            made or suit is brought.
        or option (2) set forth in said Section V, Paragraph 9.d.
        above.                                                                 13. TRANSFER OF RIGHTS OF RECOVERY AGAINST
                                                                                   OTHERS TO US
   f.   If the first Named Insured fails to pay the amount
        determined to be due and owing following invoicing by                       If any insured has the right to recover all or part of any
        the Company, the Company shall have the right to rescind                    payment we have made under this Coverage Part, those rights
        the policy in its entirety. The first Named Insured will                    are transferred to us. An insured must do nothing after loss to
        receive a return of the amount of premium owed less the                     impair these rights. At our request, an insured will bring suit
        total earned premium, if no claim has been made under                       or transfer those rights to us and help us enforce them.
        the policy. If a claim has been made under the policy, no
        amount of premium will be returned, and the policy will                14. TRANSFER OF YOUR RIGHTS AND DUTIES UNDER
        be rescinded as of the date of receipt of the latest claim.                THIS POLICY




                                                                        e
10. PREMIUMS                                                                        Your rights and duties under this policy may not be transferred
                                                                                    without our written consent except in the case of death of an
   a.   The first Named Insured shown in the declarations:                          individual Named Insured.

                                         l
        (1) Is responsible for the payment of all premiums; and                     If you die, your rights and duties under this policy will be
                                                                                    transferred to your legal representative, but only while acting
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        (2) Will be the payee for any return premiums we pay.                       within the scope of duties as your legal representative. Until
                                                                                    your legal representative is appointed, anyone having proper
   b.   THIS POLICY SHALL NOT TAKE EFFECT UNLESS                                    temporary custody of your property will have your rights and
        THE DESIGNATED PREMIUM HAS BEEN PAID.                                       duties, but only with respect to that property.
        FAILURE TO PAY THE DESIGNATED PREMIUM
        ACTS AS A RESCISSION OF THE POLICY AND ANY
        BINDER THAT MAY HAVE BEEN ISSUED.
        PAYMENT OF THE DESIGNATED PREMIUM                                      SECTION VI - DEFINITIONS
                Sa

        CONSTITUTES ACCEPTANCE OF THE POLICY AND
        ALL OF ITS TERMS AND CONDITIONS.                                       1.   Advertising injury means injury other than bodily injury or
                                                                                    personal injury arising out of one or more of the following
11. REPRESENTATIONS                                                                 offenses committed in the course of and through the means of
                                                                                    an insured’s advertising activities:
   By accepting this policy, you agree:
                                                                                    a.   Oral or written publication of material that slanders or
        a.   The statements in the Declarations are accurate and                         libels a person or organization;
             complete;
                                                                                    b.   Oral or written publication of material that violates a
        b.   Those statements are based upon representations you                         person's right of privacy;
             made to us; and
                                                                               2.   Auto or Automobile means a land motor vehicle, trailer or
        c.   We have issued this policy in reliance upon your                       semi-trailer designed for travel on public roads, including any
             representations.                                                       attached machinery or equipment. Auto does not include
                                                                                    mobile equipment.
        d.   Your representations were express warranties.
                                                                               3.   Bodily injury means physical injury, physical sickness or
        e.   A determination that your representations were false                   physical disease sustained by any person, including death
             will result in rescission of this agreement.                           resulting there from. Bodily injury does not include shock or
                                                                                    emotional, mental or psychological distress, injury, trauma or
                                                                                    anguish, or other similar condition.

                                                                               4.   Claim or Claims means a request or a demand received by any
                                                                                    insured or us for money or services, including the service of
                                                                                    suit or institution of arbitration proceedings against any
                                                                                    insured.

                                                             (Page 14 of 18)                                          OCCUR (ED. 05/04)
5.   Coverage territory means:                                                      b.    A sidetrack agreement;

     a.   The United States of America (including its territories and               c.    Any easement or real estate license agreement, except in
          possessions), Puerto Rico and Canada;                                           connection with construction or demolition operations on
                                                                                          or within 50 feet of a railroad;
     b.   International waters or airspace, provided the injury or                  d.    An obligation, as required by ordinance, to indemnify a
          damage does not occur in the course of travel or                                municipality, except in connection with work for a
          transportation to or from any place not included in a.                          municipality;
          above; or
                                                                                    e.    An elevator maintenance agreement;
     c.   All parts of the world if:
                                                                                    f.    That part of any other contract or agreement pertaining to
          (1) The injury or damage arises out of:                                         your business (including an indemnification of a
                                                                                          municipality in connection with work performed for a
               (a) Goods or products made or sold by you in the                           municipality) under which you assume the tort liability of
                   territory described in a. above; or                                    another party to pay for bodily injury or property
                                                                                          damage to a third person or organization, but only if such
               (b) The activities of a person whose home is in the                        bodily injury or property damage is not excluded by the
                   territory described in a. above, but is away for a                     terms of the policy, and arises from your work performed
                   short time on business; and                                            during the policy period.

          (2) An insured's responsibility to pay damages is                          An insured contract does not include that part of any contract
              determined in a suit on the merits, in the territory                   or agreement:




                                                                         e
              described in a. above or in a settlement to which we
              agree.                                                                 a.   That indemnifies any person or organization for bodily
                                                                                          injury or property damage arising out of construction or
6.   Damage or damages means the estimated money equivalent                               demolition operations, within 50 feet of any railroad

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     for loss or injury sustained. Damage or damages does not
     include attorney’s fees and costs of suit.
                                                                                          property and affecting any railroad bridge or trestle,
                                                                                          tracks, roadbeds, tunnel, underpass or crossing;
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7.   Employee includes a leased worker.            Employee does not                b.    That indemnifies an architect, engineer or surveyor for
     include a temporary worker.                                                          injury or damage arising out of:

8.   Expense or expenses means costs, incidental costs,                                   (1) Preparing, approving or failing to prepare or approve
     consequential costs, postage, courier fees, deposition fees,                             plans, including but not limited to demolition plans or
     reasonable travel expenses, photocopying expenses, facsimile                             methods, maps, drawings, opinions, reports, surveys,
     charges, shipping charges and any other costs awarded by a                               change orders, designs or specifications; or
     court or tribunal.
                   Sa

                                                                                          (2) Giving directions or instructions, or failing to give
9.   Hazardous properties mean radioactive, toxic or explosive                                them, if that is the primary cause of the injury or
     properties.                                                                              damage;

10. Impaired property means tangible property, other than your                      c.    Under which the insured, if an architect, engineer or
    product or your work, that cannot be used or is less useful                           surveyor, assumes liability for an injury or damage arising
    because:                                                                              out of the insured’s rendering or failure to render
                                                                                          professional services, including those listed in b. above
     a.   It incorporates your product or your work, that is known                        and supervisory, inspection or engineering services; or
          or thought to be defective, deficient, inadequate or
          dangerous; or                                                             d.    That indemnifies any person or organization for damage
                                                                                          by fire to premises rented or loaned to you.
     b.   You have failed to fulfill the terms of a contract or
          agreement;                                                                e.    That indemnifies any person or organization for defense
                                                                                          fees, expenses or costs resulting from litigation.
     if such property can be restored to use by:
                                                                                12. Leased worker means a person leased to you by a labor leasing
     a.   The repair, replacement, adjustment or removal of your                     firm under an agreement between you and the labor leasing
          product or your work; or                                                   firm, to perform duties related to the conduct of your business.
                                                                                     Leased worker does not include temporary worker.
     b.   Your fulfilling the terms of the contract or agreement.
                                                                                13. Loading or unloading means the handling of property:
11. Insured contract means:
                                                                                    a.    After it is moved from the place where it is accepted for
     a.   A lease of premises;                                                            movement into or onto an aircraft, watercraft or auto;



                                                              (Page 15 of 18)                                          OCCUR (ED. 05/04)
    b.   While it is in or on an aircraft, watercraft or auto; or                 15. Nuclear facility means:

    c.   While it is being moved from an aircraft, watercraft or                       a.   Any nuclear reactor;
         auto to the place where it is finally delivered; but loading
         or unloading does not include the movement of property                        b.   Any equipment or device designed or used for:
         by means of a mechanical device, other than a hand truck,
         that is not attached to the aircraft, watercraft or auto.                          (1) separating the isotopes of uranium or plutonium,

14. Mobile equipment means any of the following types of land                               (2) Processing or utilizing spent fuel, or
    vehicles, including any attached machinery or equipment:
                                                                                            (3) Handling, processing or packaging waste;
    a.   Bulldozers, farm machinery, forklifts and other vehicles
         designed for use principally off public roads;                               c.    Any equipment or device used for the processing,
                                                                                            fabricating, or alloying of special nuclear material if at
    b.   Vehicles maintained for use solely on or next to premises                          any time the total amount of such material in the custody
         you own or rent;                                                                   of an insured at the premises where such equipment or
                                                                                            device is located consists of or contains more than 25
    c.   Vehicles that travel on crawler treads;                                            grams of plutonium or uranium 233 or any combination
                                                                                            thereof, or more than 250 grams of uranium 235;
    d.   Vehicles, whether self-propelled or not, maintained
         primarily to provide mobility to permanently mounted:                        d.    Any structure, basin, excavation, premises or place
                                                                                            prepared or used for the storage or disposal of waste, and
         (1) Power cranes, shovels, loaders, diggers or drills; or                          includes the site on which any of the foregoing is located,




                                                                           e
                                                                                            all operations conducted on such site and all premises used
         (2) Road construction or resurfacing equipment such as                             for such operations.
             graders, scrapers or rollers;
                                                                                  16. Nuclear Material means source material, special nuclear
    e.
                                             l
         Vehicles not described in a., b., c. or d. above that are not
         self-propelled and are maintained primarily to provide
         mobility to permanently attached equipment of the
                                                                                      material or by product material.

                                                                                  17. Nuclear reactor means any apparatus designed or used to
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         following types:                                                             sustain nuclear fission in a self-supporting chain reaction or to
                                                                                      contain a critical mass of fissionable material.
         (1) Air compressors, pumps and generators, including
             spraying, welding, building, cleaning, geophysical                   18. Occurrence means an accident, including continuous or
             exploration, lighting and well servicing equipment; or                   repeated exposure to substantially the same general harm, that
                                                                                      first takes place during the policy period. This does not include
         (2) Cherry pickers and similar devices used to raise or                      any accident or event which takes place prior to inception or
             lower workers;                                                           after expiration of the policy.
                  Sa

    f.   Vehicles not described in a., b., c. or d. above maintained              19. Onset means the earliest of the following, whether the damage
         primarily for purposes other than the transportation of                      or injury is continuous, progressive, repeated, changing or
         persons or cargo.                                                            results from exposure to substantially the same general harm:

     However, self-propelled vehicles with the following types of                      a.   The filing date of the original complaint in any lawsuit in
     permanently attached equipment are not mobile equipment                                which an insured is named as a party; or
     but will be considered autos:                                                     b.   The date of receipt by any person or entity of any
                                                                                            prelitigation notice, including but not limited to, notice
         (1) Equipment designed primarily for:                                              required by any statute or law; or

              (a) Snow removal;                                                        c.   The date of any other administrative proceeding; or

              (b) Road maintenance but not construction or                             d.   The date of any demand made for arbitration; or
                  resurfacing;
                                                                                       e.   The date of service of a civil suit, or;
              (c) Street cleaning;                                                     f.   The date any person or entity received a demand from a
                                                                                            claimant or claimants for money or services; or
         (2) Cherry pickers and similar devices mounted on
             automobile or truck chassis and used to raise or lower                    g.   The damages or injury are first diagnosed or first
             workers; and                                                                   discovered by any person or entity.

         (3) Air compressors, pumps and generators, including
             spraying, welding, building, cleaning, geophysical
             exploration, lighting and well servicing equipment.



                                                                (Page 16 of 18)                                             OCCUR (ED. 05/04)
20. Personal Injury means injury, other than bodily injury, or                       (1) The transportation of property, unless the injury or
    advertising injury arising out of one or more of the following                       damage arises out of a condition in or on a vehicle created
    offenses:                                                                            by the loading or unloading of it;

    a.   False arrest, detention or imprisonment;                                    (2) The existence of tools, uninstalled equipment or
                                                                                         abandoned or unused materials;
    b.   Malicious prosecution;
                                                                                     (3) Products or operations for which the classification in this
    c.   Wrongful entry into, or physical eviction, of a person                          Coverage Part or in our manual of rules includes products
         from, a room, dwelling or premises by a named insured;                          or completed operations.

    d.   Oral or written publication of material that slanders or               23. Property damage means physical injury to tangible property,
         libels a person or organization; or                                        including all resulting loss of use of that property. All such loss
                                                                                    of use shall be deemed to occur at the time of the physical
    e.   Oral or written publication of material that violates a                    injury that caused it.
         person's right of privacy.
                                                                                24. Source material, special nuclear material and by-product
21. Pollutant or pollutants means any solid, liquid, gaseous or                     material have the meanings given them in the Atomic Energy
    thermal irritants or contaminants, including smoke, vapor, soot,                Act of 1954 and any amendment thereto.
    fumes, acids, sulfates, sulfites, alkalis, chemicals, waste,
    biological material, mold, mildew and intangibles which                     25. Spent fuel means any fuel element or fuel component, solid or
    negatively affect the health and welfare of people, disrupt                     liquid, which has been used or exposed to radiation in a nuclear
    ecological balance, or desecrate the environment and negatively                 reactor.




                                                                         e
    impact plants and non-human species.
                                                                                26. Suit or suits means a civil proceeding in which damage
    Pollutant or pollutants as used herein means any form of                        because of bodily injury, property damage, personal injury
    pollution as defined above which forms the basis for liability,                 or advertising injury to which this insurance applies are

                                           l
    whether the pollution is said to cause physical injury or not,
    which by volume or timing or any other factor is said to give
    rise to liability.
                                                                                    alleged. Suit or Suits includes:

                                                                                     a.   An arbitration proceeding in which such damages are
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                                                                                          claimed and to which you must submit or do submit with
22. Products-completed operations hazard includes:                                        our consent; or

    a.   Bodily injury or property damage occurring away from                        b.   Any other alternative dispute resolution proceeding in
         premises you own or rent and arising out of your product                         which such damages are claimed and to which you submit
         or your work except:                                                             with our consent.

         (1) Products that are still in your physical possession; or            27. Temporary worker means a person who is furnished to you to
                  Sa

                                                                                    substitute for a permanent employee on leave or to meet
         (2) Work that has not yet been completed or abandoned.                     seasonal or short-term workload conditions.

    b.   Your work will be deemed completed at the earliest of                  28. Waste means any material:
         the following times:
                                                                                     a.   Containing by-product material other than the tailings or
         (1) When all of the work called for in your contract has                         wastes produced by the extraction or concentration of
             been completed.                                                              uranium or thorium from any source or processed
                                                                                          primarily for its source material content; and/or
         (2) When all of the work to be done at the site has been
             completed if your contract calls for work at more                       b.   Resulting from the operation by any person or
             than one site.                                                               organization of any nuclear facility included under the
                                                                                          first two paragraphs of the definition of nuclear facility;
         (3) When that part of the work done at a job site has been                       and/or
             put to its intended use by any person or organization
             other than another contractor or subcontractor                          c.   Any material or substances to be recycled, reconditioned
             working on the same project.                                                 or reclaimed, and any substance or material produced as a
                                                                                          by-product or side effect of any process.
              Work that may need service, maintenance, correction,
              repair or replacement, but which is otherwise                     29. Your product means:
              complete, will be treated as completed.
                                                                                     a.   Any goods or products, other than real property,
    c.   This hazard does not include bodily injury or property                           manufactured, sold, handled, distributed or disposed of by:
         damage arising out of:
                                                                                          (1) You;
                                                                                          (2) Others trading under your name; or

                                                              (Page 17 of 18)                                           OCCUR (ED. 05/04)
            (3) A person or organization whose business or assets                  30. Your work means:
                you have acquired; and
                                                                                       a.   Work or operations performed by you or on your behalf;
 b.         Containers (other than vehicles), materials, parts or                           and
            equipment furnished in connection with such goods or
            products.                                                                  b.   Materials, parts or equipment furnished in connection with
                                                                                            such work or operations.
c.     Your product includes:
                                                                                       c.   Your work includes:
      (1)    Warranties or representations made at any time with
              respect to the fitness, quality, durability, performance or                   (1) Warranties or representations made at any time with
              use of your product, and                                                          respect to the fitness, quality, durability, performance
                                                                                                or use of your work; and
      (2)    The providing of or failure to provide warnings or
              instructions.                                                                 (2) The providing of or failure to provide warnings or
                                                                                                instructions.
d.     Your product does not include vending machines or other
       property rented to or located for the use of others but not sold.




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                                                                 (Page 18 of 18)                                          OCCUR (ED. 05/04)
                                                ENDORSEMENT

  Named Insured                                                                Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                      1
  Policy Number                 Policy Period                                  Effective Date of Endorsement
  HJ464770T                     On File w/Company     to   On File w/Company   On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.




                                     SEVERAL LIABILITY NOTICE

              THE SUBSCRIBING INSURERS’ OBLIGATIONS UNDER CONTRACTS OF




                                                      e
              INSURANCE TO WHICH THEY SUBSCRIBE ARE SEVERAL AND NOT JOINT
              AND ARE LIMITED SOLELY TO THE EXTENT OF THEIR INDIVIDUAL
              SUBSCRIPTIONS. THE SUBSCRIBING INSURERS ARE NOT RESPONSIBLE

                                 l
              FOR THE SUBSCRIPTION OF ANY CO-SUBSCRIBING INSURER WHO FOR
              ANY REASON DOES NOT SATISFY ALL OR PART OF ITS OBLIGATIONS.
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              08/94
              LSW 1001 (Insurance)
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NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                ENDORSEMENT

  Named Insured                                                                Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                      2
  Policy Number                 Policy Period                                  Effective Date of Endorsement
  HJ464770T                     On File w/Company     to   On File w/Company   On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.




                  SMALL ADDITIONAL OR RETURN PREMIUMS CLAUSE (U.S.A.)

              NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED




                                                      e
              HEREIN AND IN CONSIDERATION OF THE PREMIUM FOR WHICH THIS
              INSURANCE IS WRITTEN, IT IS UNDERSTOOD AND AGREED THAT
              WHENEVER AN ADDITIONAL OR RETURN PREMIUM OF US$2 OR LESS

                                l
              BECOMES DUE FROM OR TO THE ASSURED ON ACCOUNT OF THE
              ADJUSTMENT OF A DEPOSIT PREMIUM OR OF AN ALTERATION IN
              COVERAGE OR RATE DURING THE TERM OR FOR ANY OTHER REASON,
                             mp
              THE COLLECTION OF SUCH PREMIUM FROM THE ASSURED WILL BE
              WAIVED OR THE RETURN OF SUCH PREMIUM TO THE ASSURED WILL
              NOT BE MADE, AS THE CASE MAY BE.


              NMA 1168
                  Sa




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                ENDORSEMENT

  Named Insured                                                                Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                      3
  Policy Number                 Policy Period                                  Effective Date of Endorsement
  HJ464770T                     On File w/Company     to   On File w/Company   On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.




     RADIOACTIVE CONTAMINATION EXCLUSION CLAUSE-LIABILITY-DIRECT (U.S.A.)

              FOR ATTACHMENT (IN ADDITION TO THE APPROPRIATE NUCLEAR




                                                      e
              INCIDENT EXCLUSION CLAUSE-LIABILITY-DIRECT) TO LIABILITY
              INSURANCES AFFORDING WORLDWIDE COVERAGE.


                                l
              IN RELATION TO LIABILITY ARISING OUTSIDE THE U.S.A., ITS
              TERRITORIES OR POSSESSIONS, PUERTO RICO OR THE CANAL ZONE,
              THIS POLICY DOES NOT COVER ANY LIABILITY OF WHATSOEVER
                             mp
              NATURE DIRECTLY OR INDIRECTLY CAUSED BY OR CONTRIBUTED TO
              BY OR ARISING FROM IONISING RADIATIONS OR CONTAMINATION BY
              RADIOACTIVITY FROM ANY NUCLEAR FUEL OR FROM ANY NUCLEAR
              WASTE FROM THE COMBUSTION OF NUCLEAR FUEL.
                  Sa


              13/2/64
              NMA1477




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                ENDORSEMENT

  Named Insured                                                                Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                      4
  Policy Number                 Policy Period                                  Effective Date of Endorsement
  HJ464770T                     On File w/Company     to   On File w/Company   On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.




                                CHOICE OF LAW ENDORSEMENT




                                                      e
              IN CONSIDERATION OF THE PREMIUM CHARGED FOR THIS POLICY, IT IS
              HEREBY UNDERSTOOD AND AGREED BY BOTH THE ASSURED AND
              UNDERWRITERS      THAT   ANY    DISPUTE   CONCERNING     THE

                                l
              INTERPRETATION OF THIS POLICY SHALL BE GOVERNED BY THE LAWS
              OF THE STATE OF CALIFORNIA.
                             mp
              JURISDICTION: UNITED STATES OF AMERICA.

              ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN
              UNCHANGED.
                  Sa




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                             ENDORSEMENT

   Named Insured                                                             Endorsement Number
   PARTICIPATING MEMBERS OF THE IDAL, INC.                                   5
   Policy Number             Policy Period                                   Effective Date of Endorsement
   HJ464770T                 On File w/Company   to   On File w/Company      On File w/Company
   Issued by
   UNDERWRITERS AT LLOYD'S




                                             TERMINOLOGY

                   IT IS HEREBY UNDERSTOOD AND AGREED THAT WHEREVER THE
                   WORD "POLICY" IS USED HEREIN THIS SHALL BE DEEMED TO READ
                   "CERTIFICATE", WHEREVER THE WORD "ASSURED" IS USED HEREIN




                                                      e
                   THIS SHALL BE DEEMED TO READ "INSURED" AND WHEREVER THE
                   WORD “COMPANY” IS USED HEREIN THIS SHALL BE DEEMED TO

                                     l
                   READ "UNDERWRITERS".
                                  mp
                    Sa




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                         ENDORSEMENT

  Named Insured                                                                Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                      6
  Policy Number          Policy Period                                         Effective Date of Endorsement
  HJ464770T              On File w/Company     to   On File w/Company          On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.



                                         CLAIMS REPORTING

        ALL CLAIMS TO BE REPORTED TO:




                                                    e
                           PREMIER CLAIMS MANAGEMENT, LLC
                           2020B NORTH TUSTIN AVENUE
                           SANTA ANA, CA 92705

                                 l
                           TELEPHONE: (888) 683-2266
                           FAX: (866) 885-4047
                              mp
                  Sa




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                ENDORSEMENT

  Named Insured                                                                Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                      7
  Policy Number                 Policy Period                                  Effective Date of Endorsement
  HJ464770T                     On File w/Company     to   On File w/Company   On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                          E0002AML




                    REAL ESTATE PROFESSIONAL LIABILITY EXCLUSION

              IT IS AGREED THIS POLICY SHALL NOT APPLY TO ANY LIABILITY FOR




                                                      e
              PERSONAL INJURY, PROPERTY DAMAGE OR ADVERTISING LIABILITY
              ON ACCOUNT OF ANY CLAIM MADE AGAINST THE INSURED FOR
              BREACH OF A DUTY ARISING OUT OF THE RENDERING OF OR FAILURE

                                l
              TO RENDER PROFESSIONAL SERVICES IN THE CONDUCT OF THE
              INSURED’S BUSINESS AS A REAL ESTATE AGENT OR BROKER.
                             mp
                  Sa




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                ENDORSEMENT

  Named Insured                                                                   Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                         8
  Policy Number                 Policy Period                                     Effective Date of Endorsement
  HJ464770T                     On File w/Company       to    On File w/Company   On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                            E0012AML




                         ARCHITECTS, ENGINEERS AND SURVEYORS
                           ERRORS AND OMISSIONS EXCLUSION




                                                       e
              IT IS AGREED THIS POLICY SHALL NOT APPLY TO ANY LIABILITY
              ARISING OUT OF PROFESSIONAL SERVICES PERFORMED BY OR ON
              BEHALF OF ANY INSURED, INCLUDING, BUT NOT LIMITED TO:

                  A)            l
                       THE PREPARATION OR APPROVAL OF MAPS, PLANS,
                       OPINIONS,   REPORTS, SURVEYS, DESIGNS,  OR
                             mp
                       SPECIFICATIONS AND

                  B)   SUPERVISORY,              INSPECTION    OR     ENGINEERING
                       SERVICES.

              IT IS FURTHER UNDERSTOOD AND AGREED THAT THIS EXCLUSION
                  Sa

              SHALL BE APPLICABLE AS RESPECTS ANY LIABILITY ARISING OUT OF
              THE PERFORMANCE BY OR ON BEHALF OF ANY INSURED OR THE
              PERFORMANCE OF PROFESSIONAL SERVICES FOR OTHERS IN THE
              CAPACITY AS AN ARCHITECT, ENGINEER OR SURVEYOR.




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                     ENDORSEMENT

       Named Insured                                                                Endorsement Number
       PARTICIPATING MEMBERS OF THE IDAL, INC.                                      9
       Policy Number                 Policy Period                                  Effective Date of Endorsement
       HJ464770T                     On File w/Company     to   On File w/Company   On File w/Company
       Issued by
       UNDERWRITERS AT LLOYD'S


               THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                              E0015AML

                                   EXCLUSION – FINANCIAL SERVICES
THIS INSURANCE DOES NOT APPLY TO “BODILY INJURY”, “PROPERTY DAMAGE”, “PERSONAL INJURY” OR
“ADVERTISING INJURY” RESULTING FROM THE RENDERING OF OR THE FAILURE TO RENDER FINANCIAL
SERVICES BY ANY INSURED TO OTHERS. FOR THE PURPOSE OF THIS EXCLUSION, FINANCIAL SERVICES
INCLUDE BUT ARE NOT LIMITED TO:




                                                           e
1.        PLANNING, ADMINISTERING OR ADVISING ON:

          A.       ANY:
                    1)
                    2)
                    3)
                         INVESTMENT,
                         PENSION
                         ANNUITY,
                                     l
                                  mp
                    4)   SAVINGS ACCOUNT,
                    5)   CHECKING ACCOUNT; OR
                    6)   INDIVIDUAL RETIREMENT PLAN, FUND OR ACCOUNT;
          B.       THE ISSUANCE OR WITHDRAWAL OF ANY BOND, DEBENTURE, STOCK OR OTHER
                   SECURITIES;
          C.       THE TRADING OF SECURITIES, COMMODITIES OR CURRENCIES; OR
                       Sa

          D.       ANY ACQUISITIONS OR MERGERS;

2.        ACTING AS A DIVIDEND DISBURSING AGENT, EXCHANGE AGENT, REDEMPTION OR SUBSCRIPTION
          AGENT, WARRANT OR SCRIP AGENT, FISCAL OR PAYING AGENT, TAX WITHHOLDING AGENT,
          ESCROW AGENT, CLEARING AGENT, OR ELECTRONIC FUNDS TRANSFER AGENT;

3.        LENDING, OR ARRANGING FOR THE LENDING OF MONEY, INCLUDING CREDIT CARD, DEBIT CARD,
          LEASING OR MORTGAGE OPERATIONS OR ACTIVITIES OR INTERBANK TRANSFERS;

4.        REPOSSESSING OF REAL OR PERSONAL PROPERTY FROM A BORROWER OR ACTING AS AN
          ASSIGNEE FOR THE BENEFIT OF CREDITORS;

5.        CHECKING OR REPORTING OF CREDIT;

6.        MAINTAINING OF FINANCIAL ACCOUNTS OR RECORDS;

7.        TAX PLANNING, TAX ADVISING OR THE PREPARATION OF TAX RETURNS; OR

8.        SELLING OR ISSUING TRAVELERS CHECKS, LETTERS OF CREDIT, CERTIFIED CHECKS, BANK
          CHECKS OR MONEY ORDERS.


     NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
          LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                ENDORSEMENT

  Named Insured                                                                Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                      10
  Policy Number                 Policy Period                                  Effective Date of Endorsement
  HJ464770T                     On File w/Company     to   On File w/Company   On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                               E0163A



                                          TERRORISM WAIVER

              IT IS AGREED UNDER THE TERRORISM RISK INSURANCE ACT AS
              DEFINED IN THE SECTION 102(1) OF THE ACT, THE INSURED HEREBY




                                                      e
              WAIVES TERRORISM COVERAGE, AS WITNESSED BY THE INSURED
              SIGNATURE ON THE WAIVER THAT IS ON FILE WITH THE COMPANY.
              IT IS FURTHER AGREED THE INSURED UNDERSTANDS THAT NO

                                l
              COVERAGE FOR LOSSES ARISING FROM ACTS OF TERRORISM WILL BE
              EXTENDED UNDER THIS POLICY.
                             mp
              TERRORISM EXCLUSION, NUMBER 16 APPLIES WITH FULL FORCE AND
              EFFECT ON THIS POLICY.
                  Sa




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                ENDORSEMENT

  Named Insured                                                                 Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                       11
  Policy Number                 Policy Period                                   Effective Date of Endorsement
  HJ464770T                     On File w/Company     to   On File w/Company    On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                        E0163AML



                               ABSOLUTE TERRORISM EXCLUSION

     NOTWITHSTANDING ANY PROVISION TO THE CONTRARY WITHIN THIS POLICY IT IS
     AGREED THAT THIS POLICY EXCLUDES FROM COVERAGE ALL LOSS, DAMAGE, COST OR




                                                      e
     EXPENSE OF WHATSOEVER NATURE DIRECTLY OR INDIRECTLY CAUSED BY,
     RESULTING FROM OR IN CONNECTION WITH ANY ACT OF TERRORISM REGARDLESS OF
     ANY OTHER CAUSE OR EVENT CONTRIBUTING CONCURRENTLY OR IN ANY OTHER
     SEQUENCE TO THE LOSS.

                                 l
     FOR THE PURPOSE OF THIS POLICY, AN ACT OF TERRORISM SHALL MEAN EITHER:
                              mp
              -   ANY ACT OF ANY PERSON OR PERSONS EITHER ACTING ALONE OR ON
                  BEHALF OF OR IN CONNECTION WITH ANY ORGANIZATION OR GROUP
                  WITH ACTIVITIES DIRECTED TOWARDS:

                  •   OVERTHROWING,
                  •   INTIMIDATING,
                  Sa

                  •   COERCING, OR
                  •   INFLUENCING, OR

              -   ANY GOVERNMENT OR ITS POPULOUS OR ITS ECONOMIC, POLITICAL OR
                  SOCIAL SYSTEMS, BY:

                  •   FORCE,
                  •   VIOLENCE,
                  •   WEAPONS OF MASS DESTRUCTION,
                  •   THE DESTRUCTION, DISRUPTION OR SUBVERSION OF
                      COMMUNICATION AND INFORMATION SYSTEM INFRASTRUCTURES
                      AND/OR ITS CONTENT THEREOF, OR,
                  •   SABOTAGE, AND/OR,
                  •   THREAT THEREFROM, OR,

              -   AN ACT THAT IS OFFICIALLY DETERMINED BY ANY FEDERAL, STATE OR
                  LOCAL AGENCY/AUTHORITY TO BE AN ACT OF TERRORISM.




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                ENDORSEMENT

  Named Insured                                                                Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                      12
  Policy Number                 Policy Period                                  Effective Date of Endorsement
  HJ464770T                     On File w/Company     to   On File w/Company   On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                               E0026A




                                        SPECIFIED OPERATIONS

              IT IS AGREED COVERAGE IS AFFORDED ONLY FOR LIABILITY OR




                                                      e
              CLAIM THAT ARISE OUT OF, IS RELATED TO, OR CONNECTED WITH
              THE FOLLOWING:


                                l
                  STENCILING AND RELATED DECORATIVE PAINTING/SERVICES
                             mp
                  Sa




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                ENDORSEMENT

  Named Insured                                                                Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                      13
  Policy Number                 Policy Period                                  Effective Date of Endorsement
  HJ464770T                     On File w/Company     to   On File w/Company   On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                               E0014




                                     WAIVER OF SUBROGATION

              IT IS AGREED WAIVER OF SUBROGATION IS ADDED TO THIS POLICY




                                                      e
              REGARDING ANY ADDITIONAL INSURED.

              WE WAIVE ANY RIGHT OF RECOVERY WE MAY HAVE AGAINST THE

                                l
              PERSON OR ORGANIZATION SHOWN IN ENDORSEMENT NUMBER (16),
              THE ADDITIONAL INSURED ENDORSEMENT, BECAUSE OF PAYMENTS
              WE MAKE FOR INJURY OR DAMAGE ARISING OUT OF “YOUR WORK”
                             mp
              DONE UNDER A CONTRACT WITH THAT PERSON OR ORGANIZATION.
              THE WAIVER APPLIES ONLY TO THE PERSON OR ORGANIZATION
              SHOWN IN THE SCHEDULE.
                  Sa




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                ENDORSEMENT

  Named Insured                                                                Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                      14
  Policy Number                 Policy Period                                  Effective Date of Endorsement
  HJ464770T                     On File w/Company     to   On File w/Company   On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                         E0028AML




                            PRIMARY INSURANCE ENDORSEMENT

              IT IS AGREED SUCH INSURANCE AS IS AFFORDED BY THIS POLICY




                                                      e
              FOR THE BENEFIT OF THE ADDITIONAL INSURED(S) SHOWN IN
              ENDORSEMENT NUMBER (16), SHALL BE PRIMARY INSURANCE ONLY
              IF SUCH CLAIM, LOSS OR LIABILITY IS DETERMINED TO BE SOLELY

                                l
              THE NEGLIGENCE OR RESPONSIBILITY OF THE NAMED INSURED,
              AND NO OTHER PERSON IS COMPARATIVELY OR CONTRIBUTARILY
              AT FAULT.
                             mp
                  Sa




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                 ENDORSEMENT

   Named Insured                                                                Endorsement Number
   PARTICIPATING MEMBERS OF THE IDAL, INC.                                      15
   Policy Number                 Policy Period                                  Effective Date of Endorsement
   HJ464770T                     On File w/Company     to   On File w/Company   On File w/Company
   Issued by
   UNDERWRITERS AT LLOYD'S


          THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                                E0010

                           PER OCCURRENCE/OFFENSE DEDUCTIBLE

IT IS AGREED THAT $250.00 SHALL BE DEDUCTED FROM EACH AND EVERY OCCURRENCE OR
OFFENSE UNDER THIS POLICY, IRRESPECTIVE OF THE NUMBER OF CLAIMS WHICH MAY BE
JOINED IN ANY ONE SUIT, ARBITRATION, MEDIATION, OR ANY OTHER FORM OF LEGAL




                                                       e
PROCEEDING. SUCH COVERAGE AS IS AFFORDED UNDER THIS POLICY APPLIES SUBJECT TO
THE FOLLOWING CONDITIONS:


                                 l
1. THE DEDUCTIBLE SHALL APPLY TO ANY INSURED, INCLUDING ADDITIONAL INSUREDS, FOR WHOM
   ANY EXPENSE HAS BEEN INCURRED ON THEIR BEHALF BY THE COMPANY AS WELL AS ANY
   PAYMENTS MADE BY THE COMPANY TOWARD THE SETTLEMENT OF ANY AND ALL CLAIMS ARISING
                              mp
   OUT OF AN OCCURRENCE OR OFFENSE.

2. ALL OF THE OTHER TERMS AND PROVISIONS OF THIS POLICY, INCLUDING THOSE WITH RESPECT TO
   THE INSURED’S OBLIGATIONS UPON AN OCCURRENCE, OFFENSE OR CLAIM AND THE COMPANY’S
   RIGHT TO INVESTIGATE, DEFEND, NEGOTIATE AND/OR SETTLE ANY CLAIM OR SUIT, APPLY
   IRRESPECTIVE OF THE APPLICATION OF THE DEDUCTIBLE.
                   Sa

3. THE INSURED SHALL CONTRIBUTE THE AMOUNT OF THE DEDUCTIBLE WITHIN TEN (10) DAYS FROM
   THE DATE OF REQUEST BY THE COMPANY OR ITS REPRESENTATIVE. THE REQUEST FOR PAYMENT
   OF THE DEDUCTIBLE HEREIN SET FORTH SHALL BE SENT TO THE INSURED BY ORDINARY MAIL
   ADDRESSED TO THE FIRST NAMED INSURED AT THE ADDRESS LISTED IN THE POLICY. THE TEN (10)
   DAYS SHALL BEGIN TO APPLY FROM THE POSTMARK OF THE LETTER BEARING SUCH REQUEST.

4. THE COMPANY SHALL HAVE THE RIGHT TO MAKE PARTIAL DEDUCTIBLE RECOVERIES FROM THE
   INSURED WHEN PARTIAL SETTLEMENTS AND/OR EXPENSE BELOW THE FULL AMOUNT OF THE
   DEDUCTIBLE ARE INCURRED BY THE COMPANY.

5. AS RESPECTS ANY COVERAGE AFFORDED BY THIS POLICY, THE DEDUCTIBLE APPLIES EQUALLY TO
   ALL DAMAGES INCURRED BY ANY ONE PERSON OR ORGANIZATION AS A RESULT OF ANY ONE
   OCCURRENCE/OFFENSE.

6. FAILURE OR DELAY BY THE COMPANY IN SEEKING REIMBURSEMENT OF THE DEDUCTIBLE SHALL
  NOT BE CONSIDERED A WAIVER BY THE COMPANY. THE COMPANY MAY DEDUCT FROM ANY
  PAYMENT ON JUDGEMENT OR SETTLEMENT THE AMOUNT OF ANY DEDUCTIBLE NOT REIMBURSED
  AS OF THE DATE SUCH PAYMENT IS DUE.


 NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
      LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                       ENDORSEMENT

       Named Insured                                                                  Endorsement Number
       PARTICIPATING MEMBERS OF THE IDAL, INC.                                        16
       Policy Number                   Policy Period                                  Effective Date of Endorsement
       HJ464770T                       On File w/Company     to   On File w/Company   On File w/Company
       Issued by
       UNDERWRITERS AT LLOYD'S


              THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                                E0006IDAL




                                BLANKET ADDITIONAL INSURED ENDORSEMENT

IT IS AGREED SECTION III OF THE POLICY FORM IS AMENDED TO INCLUDE THE FOLLOWING:
WHO IS AN INSURED (SECTION II) IS AMENDED TO INCLUDE AS AN INSURED ANY PERSON OR ORGANIZATION (CALLED




                                                             e
ADDITIONAL INSURED) WHOM YOU ARE REQUIRED TO ADD AS AN ADDITIONAL INSURED ON THIS POLICY UNDER A WRITTEN
CONTRACT, AGREEMENT OR PERMIT WHICH MUST BE:

      A.   CURRENTLY IN EFFECT OR BECOMING EFFECTIVE DURING THE TERM OF THE POLICY; AND

      B.
                                       l
           EXECUTED PRIOR TO THE “BODILY INJURY,” “PROPERTY DAMAGE,” “PERSONAL INJURY,” OR “ADVERTISING INJURY.”

THE INSURANCE PROVIDED TO THIS ADDITIONAL INSURED IS LIMITED AS FOLLOWS:
                                    mp
1.    THAT PERSON OR ORGANIZATION IS AN ADDITIONAL INSURED ONLY WITH RESPECT TO LIABILITY ARISING OUT OF:

      A.   PREMISES YOU OWN, RENT, LEASE OR OCCUPY; OR

      B.   YOUR ONGOING OPERATIONS PERFORMED FOR THAT ADDITIONAL INSURED AS SPECIFIED IN THE WRITTEN
           CONTRACT, AGREEMENT OR PERMIT.
                       Sa

2.    THE LIMITS OF INSURANCE APPLICABLE TO THE ADDITIONAL INSURED ARE THOSE SPECIFIED IN THE WRITTEN CONTRACT,
      AGREEMENT, PERMIT OR IN THE DECLARATIONS FOR THIS POLICY, WHICHEVER ARE LESS. THESE LIMITS OF INSURANCE
      ARE INCLUSIVE OF AND NOT IN ADDITION TO THE LIMITS OF INSURANCE SHOWN IN THE DECLARATIONS.

3.    COVERAGE IS NOT PROVIDED FOR “BODILY INJURY,” “PROPERTY DAMAGE,” “PERSONAL INJURY” OR “ADVERTISING
      INJURY” ARISING OUT OF THE SOLE NEGLIGENCE OF THE ADDITIONAL INSURED. THERE WILL BE NO DUTY TO DEFEND
      AND THIS POLICY WILL NOT PROVIDE COVERAGE FOR THE ADDITIONAL INSURED WHEN YOUR WORK IS DEEMED
      COMPLETED AS DEFINED IN THE POLICY.

THE INSURANCE PROVIDED TO THE ADDITIONAL INSURED DOES NOT APPLY TO “BODILY INJURY,” “PROPERTY DAMAGE,”
“PERSONAL INJURY” OR “ADVERTISING INJURY” ARISING OUT OF AN ARCHITECT'S, ENGINEER'S OR SURVEYOR'S RENDERING
OR FAILURE TO RENDER ANY PROFESSIONAL SERVICES INCLUDING:

1.    THE PREPARING, APPROVING OR FAILING TO APPROVE MAPS, DRAWINGS, OPINIONS, REPORTS, SURVEYS, CHANGE ORDERS,
      DESIGNS OR SPECIFICATIONS; AND

2.    SUPERVISORY, INSPECTION, OR ENGINEERING SERVICES.

ANY COVERAGE PROVIDED HEREUNDER WILL BE EXCESS OVER ANY OTHER VALID AND COLLECTIBLE INSURANCE AVAILABLE
TO THE ADDITIONAL INSURED WHETHER PRIMARY, EXCESS, CONTINGENT OR ON ANY OTHER BASIS UNLESS A CONTRACT
SPECIFICALLY REQUIRES THAT THIS INSURANCE BE PRIMARY.

WHEN THIS INSURANCE IS EXCESS, WE WILL HAVE NO DUTY UNDER COVERAGE A OR B TO DEFEND THE ADDITIONAL INSURED
AGAINST ANY “SUIT” IF ANY OTHER INSURER HAS A DUTY TO DEFEND THE ADDITIONAL INSURED AGAINST THAT “SUIT.” IF NO
OTHER INSURER DEFENDS, WE WILL UNDERTAKE TO DO SO, BUT WE WILL BE ENTITLED TO THE ADDITIONAL INSURED'S
RIGHTS AGAINST ALL THOSE OTHER INSURERS.

     NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
          LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                ENDORSEMENT

  Named Insured                                                                Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                      17
  Policy Number                 Policy Period                                  Effective Date of Endorsement
  HJ464770T                     On File w/Company     to   On File w/Company   On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                               E0189




                                         DRYWALL EXCLUSION

              IT IS AGREED, THIS POLICY WILL NOT RESPOND AND THERE IS NO
              COVERAGE FOR BODILY INJURY, PROPERTY DAMAGE, ADVERTISING




                                                      e
              INJURY AND PERSONAL INJURY ARISING OUT OF THE INSTALLATION,
              REMOVAL, REMEDIATION, MITIGATION AND OR ENCAPSULATION OF
              DRYWALL MANUFACTURED OUTSIDE THE PHYSICAL CONFINES OF THE
                                l
              UNITED STATES OF AMERICA.      IN ADDITION, ANY COLLATERAL
              DAMAGE THAT MAY ARISE FROM THE AFOREMENTIONED PRODUCT
              INCLUDING BUT NOT LIMITED TO FIRE, DAMAGE TO PLUMBING,
                             mp
              ELECTRICAL WIRES OR SYSTEMS, SERVICE SYSTEMS AND OR HEATING
              AND OR AIR CONDITIONING AND VENTILATION SYSTEMS IS HEREBY
              EXCLUDED.
                  Sa




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                ENDORSEMENT

  Named Insured                                                                Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                      18
  Policy Number                 Policy Period                                  Effective Date of Endorsement
  HJ464770T                     On File w/Company     to   On File w/Company   On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                               E0190




                                      ANIMAL BITE EXCLUSION

              IT IS AGREED, THIS POLICY WILL NOT RESPOND AND THERE IS NO




                                                      e
              COVERAGE PURSUANT TO THIS INSURANCE POLICY FOR BODILY
              INJURY, PROPERTY DAMAGE, ADVERTISING INJURY AND PERSONAL
              INJURY ARISING OUT OF ANY ANIMAL, WHETHER BY A BITE OR ANY

                                l
              OTHER INJURY AS A RESULT OF AN ANIMAL, AT THE COVERED
              PREMISES, INCLUDING BUT NOT LIMITED DOGS, CATS, SQUIRRELS,
              RABBITS, POSSUMS, SNAKES, WHETHER A PET OR A WILD ANIMAL.
                             mp
              IT IS AGREED THAT KNOWLEDGE BY US OF AN ANIMAL ON THE
              PREMISES DOES NOT RESULT IN ANY WAIVER OR ESTOPPELS OF THIS
              EXCLUSION.

              IT IS FURTHER AGREED THAT LACK OF THE OWNER’S KNOWLEDGE OF
                  Sa

              THE ANIMAL’S PROPENSITY FOR VICIOUSNESS IS NOT A DEFENSE TO
              THIS EXCLUSION.




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                                ENDORSEMENT

  Named Insured                                                                Endorsement Number
  PARTICIPATING MEMBERS OF THE IDAL, INC.                                      19
  Policy Number                 Policy Period                                  Effective Date of Endorsement
  HJ464770T                     On File w/Company     to   On File w/Company   On File w/Company
  Issued by
  UNDERWRITERS AT LLOYD'S


         THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.




                         PROPERTY DAMAGE EXTENSION ENDORSEMENT




                                                      e
              WITH RESPECT TO THE OPERATIONS SHOWN ON THE DECLARATION
              PAGE, THIS INSURANCE IS AMENDED AS FOLLOWS:


                                l
                  1. EXCLUSION J.(4) OF SECTION 1- COVERAGES, COVERAGE A BODILY
                     INJURY AND PROPERTY DAMAGE LIABILITY, RELATING TO
                     "PROPERTY DAMAGE" TO PERSONAL PROPERTY IN YOUR CAR,
                             mp
                     CUSTODY OR CONTROL, DOES NOT APPLY TO "PROPERTY
                     DAMAGE" OCCURRING AS A RESULT OF YOUR OPERATIONS.

                  2. EXCLUSIONS J(5) AND J(6) OF SECTION 1- COVERAGES, COVERAGE A
                     BODILY INJURY AND PROPERTY DAMAGE LIABILITY, RELATING TO
                     "PROPERTY DAMAGE" TO PERSONAL PROPERTY IN YOUR CAR,
                  Sa

                     CUSTODY OR CONTROL, DOES NOT APPLY TO "PROPERTY
                     DAMAGE" OCCURRING AS A RESULT OF YOUR OPERATIONS.

              THE FOLLOWING IS ADDED TO SECTION IV -LIMIT OF INSURANCE:

              SUBJECT TO THE EACH OCCURRENCE LIMIT AND THE GENERAL
              AGGREGATE LIMIT, THE MOST WE WILL PAY FOR "PROPERTY DAMAGE"
              COVERED IN PARAGRAPHS 1. OR 2. ABOVE IS $10,000 EACH OCCURRENCE,
              $25,000 GENERAL AGGREGATE.

              IF OTHER VALID AND COLLECTIBLE INSURANCE IS AVAILABLE TO YOU
              FOR "PROPERTY DAMAGE" COVERED UNDER THIS ENDORSEMENT, THIS
              INSURANCE IS EXCESS OVER SUCH OTHER INSURANCE.




NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
                                            ENDORSEMENT

   Named Insured                                                                Endorsement Number
   PARTICIPATING MEMBERS OF THE IDAL, INC.                                      20
   Policy Number            Policy Period                                       Effective Date of Endorsement
   HJ464770T                On File w/Company     to   On File w/Company        On File w/Company
   Issued by
   UNDERWRITERS AT LLOYD'S


            THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                           E0197CHA




                          DECORATIVE ARTISANS PROFESSIONAL LIABILITY

WE WILL PAY THOSE SUMS THAT AN INSURED BECOMES LEGALLY OBLIGATED TO PAY AS DAMAGES FOR
DECORATIVE ARTISANS PROFESSIONAL LIABILITY TO WHICH THIS INSURANCE APPLIES. WE WILL HAVE




                                                       e
THE RIGHT AND DUTY TO DEFEND ANY SUIT SEEKING THOSE DAMAGES TO WHICH THIS INSURANCE
APPLIES. HOWEVER, WE WILL HAVE NO DUTY TO DEFEND AN INSURED OR PAY THOSE SUMS THAT AN
INSURED BECOMES LEGALLY OBLIGATED TO PAY AS DAMAGES FOR DECORATIVE ARTISANS

                                    l
PROFESSIONAL LIABILITY TO WHICH THIS INSURANCE DOES NOT APPLY. WE HAVE NO DUTY TO PAY ANY
AWARD AGAINST AN INSURED FOR ATTORNEYS’ FEES PURSUANT TO ANY LAW, STATUTE, ORDINANCE,
RULE OR REGULATION OF ANY STATE, FEDERAL OR MUNICIPAL GOVERNMENTAL AGENCY, OR PURSUANT
TO ANY CONTRACT ENTERED INTO BY ANY INSURED. WE MAY AT OUR DISCRETION INVESTIGATE ANY
                                 mp
OCCURRENCE AND SETTLE ANY CLAIM OR SUIT THAT MAY RESULT. HOWEVER:

      (1)      THE AMOUNT WE WILL PAY FOR DAMAGES IS LIMITED AS DESCRIBED IN LIMITS OF
               INSURANCE (SECTION IV).

      (2)      SUBJECT TO (1) ABOVE, OUR RIGHT AND DUTY TO DEFEND ENDS WHEN WE HAVE USED UP
                   Sa

               THE APPLICABLE LIMIT OF INSURANCE BY PAYMENT OF ANY JUDGMENTS, COSTS OF
               DEFENSE, EXPENSES OR SETTLEMENTS UNDER COVERAGES A, B OR C.

NO OTHER OBLIGATION OR LIABILITY TO PAY SUMS OR PERFORM ACTS OR SERVICES IS COVERED
UNLESS EXPLICITLY PROVIDED FOR UNDER SUPPLEMENTARY PAYMENTS - COVERAGES A AND B.

EXCLUSIONS

THIS COVERAGE PART DOES NOT APPLY TO AND THE POLICY DOES NOT PROVIDE COVERAGE FOR ANY OF
THE FOLLOWING ACTIONS:

  A. BASED ON OR ARISING OUT OF ANY ALLEGED DISHONEST, FRAUDULENT, CRIMINAL OR MALICIOUS
     WRONGFUL ACT, OR DELIBERATE MISREPRESENTATION COMMITTED BY, AT THE DIRECTION OF, OR
     WITH THE KNOWLEDGE OF ANY INSURED; HOWEVER, WE WILL PROVIDE A DEFENSE OF A SUIT
     ALLEGING SUCH CONDUCT UNTIL, BY TRIAL COURT VERDICT, COURT RULING, REGULATORY RULING
     OR ORDER, OR LEGAL ADMISSION. THE INSURED IS FOUND TO HAVE ENGAGED IN SUCH CONDUCT;
     AND, SUBJECT TO OUR RIGHT TO DISCONTINUE DEFENSE UNDER II. DEFENSE AND SETTLEMENT OF
     CLAIMS AND SUITS,


                                                PAGE 1 OF 5

 NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
      LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
           THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                E0197CHA



      WE SHALL HAVE THE FURTHER RIGHT, BUT SHALL HAVE NO OBLIGATION TO CONTINUE OUR
      DEFENSE OF ANY SUCH CLAIM THROUGH THE APPEAL OF A TRIAL COURT VERDICT OR RULING OR A
      REGULATORY ORDER OR RULING.

      WE AGREE THAT THIS EXCLUSION WILL NOT APPLY TO ANY INSURED WHO DID NOT PERSONALLY
      COMMIT OR PERSONALLY PARTICIPATE IN COMMITTING ONE OR MORE OF THE WRONGFUL ACTS
      DESCRIBED ABOVE IN THIS EXCLUSION; PROVIDED, HOWEVER, THAT OUR OBLIGATION TO PAY
      SHALL BE IN EXCESS OF THE APPLICABLE DEDUCTIBLE AND SHALL BE IN THE EXCESS OF THE FULL
      EXTENT OF ANY ASSETS OF ANY INSURED WHO PERSONALLY COMMITTED OR PERSONALLY
      PARTICIPATED IN COMMITTING ONE OR MORE OF THE WRONGFUL ACTS DESCRIBED ABOVE IN THIS
      EXCLUSION.

 B. BASED ON OR ARISING OUT OF BODILY INJURY OR PROPERTY DAMAGE.

 C. BASED ON OR ARISING OUT OF PERSONAL INJURY OR ADVERTISING INJURY.

 D. BASED ON OR ARISING OUT OF DECORATIVE ARTISAN SERVICES PERFORMED FOR OR IN




                                                    e
    CONNECTION WITH ANY ORGANIZATION, CORPORATION, COMPANY, PARTNERSHIP, BUSINESS
    ENTERPRISE OR OPERATION, OTHER THAN THE NAMED INSURED, WHICH IS OWNED IN WHOLE OR IN
    PART, AT ANY TIME, BY ANY INSURED, COMBINATION OF INSURED, OR ANY INSURED'S SPOUSE OR
    CHILDREN.

                                l
 E. INVOLVING REAL PROPERTY IN WHICH ANY INSURED, COMBINATION OF INSUREDS, ANY INSURED'S
    SPOUSE OR CHILDREN, INDIVIDUALLY OR COMBINED, HAVE ANY OWNERSHIP INTEREST.
                             mp
 F. MADE BY ANY INSURED UNDER THIS POLICY AGAINST ANY OTHER INSURED UNDER THIS POLICY.

 G. BASED ON OR ARISING OUT OF ANY DISPUTES INVOLVING THE INSURED'S COST ESTIMATES, FEES,
    CHARGES AND/OR CUSTOMER SATISFACTION.
               Sa

 H. BASED ON OR ARISING OUT OF ANY THEFT, BURGLARY, ROBBERY, MYSTERIOUS DISAPPEARANCE,
    INVENTORY SHORTAGE OR INVENTORY SHRINKAGE. FURTHER, NO COVERAGE SHALL BE PROVIDED
    FOR ANY DIRECT OR CONSEQUENTIAL DAMAGE RESULTING FROM OR CONTRIBUTED TO ANY OF THE
    FOREGOING.

 I.   BASED ON OR ARISING OUT OF ACTIVITIES PERFORMED FOR THE PURPOSE OF ASCERTAINING
      COMPLIANCE WITH ANY LAWS, CODES OR REGULATIONS; OR ANY INSURED'S FAILURE TO DISCOVER
      OR DISCLOSE ANY NON-COMPLIANCE WITH ANY LAWS, CODES OR REGULATIONS.

 J.   BASED ON OR ARISING OUT OF THE FAILURE TO DISCOVER, DISCLOSE, OR ERADICATE THE PRESENCE
      OF TERMITES OR OTHER PESTS.

 K. BASED ON OR ARISING OUT OF ANY WORK PERFORMED, INSPECTION, EVALUATION OR TESTING OF,
    OR FAILURE OF THE INSURED TO PERFORM, INSPECT, EVALUATE OR TEST ANY;

      1.     DECORATIVE SERVICES TO DECORATIVE ARTISTRY, INCLUDING BUT NOT LIMITED TO FAUX
             FINISHING, DECORATIVE PAINTING, STENCILING, TEXTURE AND PLASTER FINISHING, MURALS,
             AND DECORATIVE FINISHING, WALL COVERING MATERIAL, INCLUDING PAINT OR THE
             PRESENCE OF LEAD;

                                            PAGE 2 OF 5

NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
          THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                 E0197CHA

    2.     ENVIRONMENTAL AND HEALTH HAZARDS OR CONDITIONS, INCLUDING, BUT NOT LIMITED TO
           TOXIC, REACTIVE, COMBUSTIBLE AND CORROSIVE CONTAMINANTS, WILDFIRE, FLOOD, AND
           GEOLOGICAL CONDITIONS;

    3.     PRESENCE OF LEAD OR LEAD BYPRODUCTS;

    4.     PRESENCE OF RADON OR NATURAL GASES;

    5.     ABATEMENT, TESTING, MEASURING OR EVALUATION OF ASBESTOS OR MATERIALS CONTAINING
           UREA-FORMALDEHYDE OR ASBESTOS;

    6.     PRESENCE OF CARBON MONOXIDE;

 L. BASED ON OR ARISING OUT OF ACTIVITIES OF ANY “INSURED” AS A:

    1.     BUILDING OR CONSTRUCTION CONTRACTOR;
    2.     DEVELOPER;
    3.     ARCHITECT, ENGINEER OR OTHER DESIGN PROFESSIONAL;
    4      CONSTRUCTION PROJECT MANAGER;
    5.     PROPERTY MANAGER;




                                                    e
    6.     SURVEYOR;
    7.     LOSS CONTROL INSPECTOR;
    8.     RISK MANAGER;
    9.
    10.
    11.
           SAFETY INSPECTOR;
                                l
           REAL ESTATE AGENT, BROKER, DEVELOPER, CONSULTANT, SALESPERSON;
           REAL ESTATE OR CONSTRUCTION APPRAISER;
                             mp
    12.    MORTGAGE BANKER, BROKER;
    13.    LEASING, TITLE, ESCROW, OR INSURANCE AGENT; OR
    14.    ANY OTHER TITLE OR DESCRIPTION WITH THE SAME OR SIMILAR WORK RESPONSIBILITIES
           TO THOSE LISTED IN THIS EXCLUSION;
    15     FINANCIAL SERVICES OF ANY TYPE, KIND OR DESCRIPTION TO THOSE LISTED IN THIS
           EXCLUSION;
    16.    AS A PROVIDER OF SERVICES OF ANY TYPE THAT DO CONSTITUTE DECORATIVE SERVICES.
              Sa

 M. BASED ON OR ARISING OUT OF ALLEGED OR EXPRESS WARRANTIES OR GUARANTEES.

 N. BASED ON OR ARISING OUT OF PROVIDING ESTIMATES, APPRAISALS OR STATEMENTS OF PROBABLE
    CONSTRUCTION COSTS, COST ESTIMATES OR REAL PROPERTY VALUES BY ANY INSURED OR THE
    FAILURE TO DO SO.

 O. BASED ON OR ARISING OUT OF ANY SERVICE THAT IS PERFORMED FOR OR ON BEHALF OF ANY HOME
    WARRANTY COMPANY OR FOR THE PURPOSE OF OBTAINING A HOME WARRANTY POLICY OR
    CONTRACT.

 P. BASED ON OR ARISING OUT OF ANY SERVICE THAT IS PERFORMED FOR THE PURPOSE OF OFFERING A
    WARRANTY OR GUARANTEE OF THE VALUE OF REAL PROPERTY.

 Q. BASED ON OR ARISING OUT ACTIVITIES INVOLVING PROPERTY SYNDICATION, REAL ESTATE
    INVESTMENT TRUSTS, LIMITED PARTNERSHIPS OR SIMILAR INVESTMENTS.

 R. BASED ON OR ARISING OUT OF ANY REPRESENTATION AS TO THE WHETHER THE INSURED IS A NON-
    PROFIT ORGANIZATION AND/OR ANY TAX SAVINGS, BENEFITS, REQUIREMENTS OF THE INTERNAL
    REVENUE SERVICE; OR ANY OTHER REPRESENTATION REGARDING TAXES.
                                            PAGE 3 OF 5

NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
        THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                  E0197CHA



  S. BASED ON OR ARISING OUT OF ANY REPRESENTATIONS AS TO STATEMENTS AND/OR
     REPRESENTATIONS AS TO ANY INSURED OBTAINING PROFESSIONAL GROWTH, CERTIFICATION,
     PUBLIC AWARENESS OR NETWORKING.

  T. BASED ON OR ARISING OUT OF ANY REPRESENTATIONS AS TO STATEMENTS AND/OR
     REPRESENTATIONS AS TO ANY INSURED AS TO THE AUTHENTICITY, HISTORICAL VENUE AND/OR
     VALUE OF ANY AND ALL FORM OF DECORATIVE ARTISTRY, INCLUDING BUT NOT LIMITED TO
     FAUX FINISHING, DECORATIVE PAINTING, STENCILING, TEXTURE AND PLASTER FINISHING,
     MURALS, AND DECORATIVE FINISHING.

  U. BASED ON OR ARISING OUT OF ANY REPRESENTATIONS AS TO STATEMENTS AND/OR
     REPRESENTATIONS AS TO ANY INSURED AS TO THE VALUE OR TYPE OF TECHNIQUE, MATERIALS,
     PRODUCTS, TOOLS AND/OR BUSINESS SKILL RELATED TO DECORATIVE FINISHING.

  V. BASED ON OR ARISING OUT OF ANY REPRESENTATIONS AS TO STATEMENTS AND/OR
     REPRESENTATIONS AS TO ANY INSURED AS TO ANY STATEMENTS OR REPRESENTATIONS FROM




                                                     e
     THE MAGAZINE “ARTISPHERE” OR ANY OTHER MAGAZINE, WEB SITE, BLOG, OR ANY OTHER
     PUBLICATION, INCLUDING BUT NOT LIMITED TO MARKETING, PUBLIC RELATIONS, ADVERTISING,
     SALES, OR ANY OTHER PUBLISHERS OR PUBLISHED MATERIALS REGARDING ANY OF THE
     ACTIVITIES OF ANY INSURED.

                                 l
  W. ANY SUIT OR CLAIM OR CLAIM INVOLVING A CLASS ACTION REGARDING ANY ACTIVITY OF THE
     INSURED WHETHER CERTIFIED AS A CLASS OR NOT CLASS CERTIFIED.
                              mp
ALL EXCLUSIONS OF THE POLICY SHALL APPLY TO THIS ENDORSEMENT AND/OR COVERAGE PART.

DEFINITIONS

WHEN USED IN THIS POLICY, INCLUDING ENDORSEMENTS FORMING A PART HERETO:
              Sa

  A. DECORATIVE ARTISANS PROFESSIONAL SERVICES AND/OR DECORATIVE SERVICES MEANS
     THE RENDERING OF AN OPINION BY AN INSURED WHO IS A LICENSED AND/OR CREDENTIALED
     TEACHER IN A CLASSROOM ON THE PREMISES AT A NAMED INSURED CONVENTION REGARDING
     DECORATIVE ARTS IF AND ONLY IF:
     1. THE NAMED INSURED INTERNATIONAL DECORATIVE ARTISANS LEAGUE TEACHER IS IN
        COMPLIANCE WITH ANY LAW OR REGULATION, STATE OR FEDERAL, CONCERNING THE
        PRACTICE OF DECORATIVE ARTISANS PROFESSIONAL SERVICES, INCLUDING ANY LICENSING
        OR REGISTRATION REQUIREMENTS FOR DECORATIVE ARTISANS WHICH MAY APPLY TO THE
        LOCATION IN WHICH THE INSURED PERFORMS DECORATIVE ARTISANS SERVICES; AND
     2. THE NAMED INSURED INTERNATIONAL DECORATIVE ARTISANS LEAGUE TEACHER IS
        CREDENTIALED AND/OR LICENSED AS A TEACHER IN THE FIELD OF DECORATIVE ARTS; AND
     3. THE NAMED INSURED INTERNATIONAL DECORATIVE ARTISANS LEAGUE TEACHER IS A
        MEMBER IN GOOD STANDING WITH THE INTERNATIONAL DECORATIVE ARTISANS LEAGUE
        AND HAS COMPLIED WITH ALL OF THE INTERNATIONAL DECORATIVE ARTISANS LEAGUE
        RULES AND REGULATIONS; AND

                                             PAGE 4 OF 5

 NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
      LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE
       THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                                                                 E0197CHA



    4. THE NAMED INSURED INTERNATIONAL DECORATIVE ARTISANS LEAGUE TEACHER HAS AT
       LEAST FIVE YEARS OF EXPERIENCE IN THE FIELD OF DECORATIVE ARTISANS.

    DECORATIVE ARTISANS SERVICES INCLUDES THE OPINION GENERATED AS A RESULT OF SUCH
    SERVICES. DECORATIVE ARTISANS SERVICES INCLUDES ONLY THOSE SERVICES AND ACTS
    THAT ARE NECESSITATED BY THE INSURED’S USE OF AND INVOLVING A SPECIALIZED SKILL
    THAT ARE AN INTEGRAL PART OF THE DECORATIVE ARTISANS SERVICES.

    DECORATIVE ARTISANS SERVICES DOES NOT INCLUDE ANY OF THE FOLLOWING:

    1. CONSTRUCTION WORK PERFORMED AT THE COVERED PREMISES OTHER THAN THAT DEFINED
       AS DECORATIVE ARTISANS SERVICES;

    2. THE BUSINESS ASPECTS OF THE DECORATIVE ARTISANS SERVICES INCLUDING BUT NOT
       LIMITED TO THE PREPARING OF BILLS, FEES, OR ANY OTHER ADMINISTRATIVE ACTS; AND/OR




                                                    e
    3. SUPERVISION OF CLERICAL, ADMINISTRATIVE, NON-PROFESSIONAL                         AND/OR     NON
       CREDENTIALED EMPLOYEES OR INDEPENDENT CONTRACTORS

 B. POTENTIAL CLAIM MEANS ANY WRONGFUL ACT, FACT OR CIRCUMSTANCE IN THE RENDERING

                                l
    OF DECORATIVE ARTISANS SERVICES THAT AN INSURED KNEW OR SHOULD REASONABLY
    HAVE KNOWN COULD FORM THE BASIS OF A SUBSEQUENT CLAIM AGAINST ANY 'INSURED' BY A
    SPECIFIC PERSON OR ENTITY.
                             mp
 C. WRONGFUL ACT MEANS ANY BREACH OF DULY, NEGLECT, ERROR, MISSTATEMENT,
    MISLEADING STATEMENT, OR OMISSION IN PERFORMING OR FAILING TO PERFORM DECORATIVE
    ARTISANS SERVICES."
             Sa




                                            PAGE 5 OF 5

NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, OR
     LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS STATED ABOVE

				
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