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IMPORTANT INFORMATION PLEASE READ Policyholder

VIEWS: 26 PAGES: 59

									    260                                                                                                   46 X07816-02   001 DAB



      IMPORTANT INFORMATION ---- PLEASE READ!!!!
             Policyholder Audit Information
WHAT IS A PREMIUM AUDIT?
When your policy is issued, you pay an estimated annual premium based on the type of business you perform and your estimate
of the exposure (i.e. payroll, sales, employee months, etc.) for the policy period. A review of your records at the end of the policy
period, called the premium audit, allows American Family Insurance to adjust your premium based on actual operations during
that time. Your final earned premium is determined from the audit information.
WHY IS A PREMIUM AUDIT IMPORTANT?
Your initial policy premium is based on your estimate of your business operations for the policy period. The final policy premium
is not determined until after your insurance audit. If your estimates are low, your deposit premium will be low and you will pay an
additional premium after the audit. Likewise, overestimating your operations for the coming year will cause your deposit premium
to be high, tying up your money until it is refunded after the audit.
WHEN AND HOW WILL THE AUDIT BE DONE?
Audit information will be collected at the end of your policy period. For new business with premium in excess of $10,000, we
collect audit information within the first 60 days, and then again at the end of your policy period.
American Family conducts three different types of audits:
     Physical Audit - A representative from either American Family or an outside audit firm hired by American Family will review
     your records (tax reports, payroll, certificates of insurance, etc.). This type of audit takes approximately 30 minutes to two
     hours to complete.
     Mail Audit - We will send you a form to complete and return to us in a timely fashion
     Telephone Audit - An outside company will contact you or your bookkeeper to obtain the necessary information to
     complete the audit.
WHAT RECORDS DO I NEED TO COMPLETE THE AUDIT?
Ledgers, journals, vouchers, contracts, tax reports, profit and loss statements and payroll and disbursement records should give
us accurate payroll, sales and subcontracted costs. If you use subcontractors, it is very important you keep Certificates of
Insurance for each. Keeping detailed records may help you save money.
DO I NEED A CERTIFICATE OF INSURANCE FOR EACH SUBCONTRACTOR I USE?
ALWAYS keep current Certificates of Insurance for ALL subcontractors you hire. Without these certificates, you may be
charged as though the subcontractors workers were your own employees increasing your premium charge.
HOW CAN I SAVE MONEY?
Keeping detailed records is the best way to make sure your premium is accurate. The following ideas may also help:
     Make sure the classification on your policy describes your operations. If not, contact your American Family agent to have it
     corrected.
     Keep payroll records based on the type of work the employee actually performs. Without adequate records, the entire
     payroll for the employee may be charged to the highest rated classification, depending on your state s requirements.
     Deduct overtime only if it is summarized monthly or quarterly by employee or classification.
     Exclude employee tips from gross payroll if they are separately identified.
     Maintain records of the total cost and the time taken for all work let or sublet in connection with each specific project,
     including the cost of all labor, materials and equipment furnished, used or delivered to complete the project. Require your
     subcontractors to carry liability limits at least equal to your policy limits.
     Have certificates available for the audit to ensure charges are not made unnecessarily. Remember, Certificates of
     Insurance must cover the period when the subcontractor(s) worked for you.
                                                          Includes copyrighted material
PR-06287 Rev. 2/10                           1995, 1997 National Council on Compensation Insurance Inc.                     Page 1 of 2
    260                                                                                                     46 X07816-02         001 DAB


                     WHAT SHOULD AND SHOULD NOT BE INCLUDED IN GROSS PAYROLL FIGURES?


Gross Payroll Includes:*                                                   Gross Payroll Does Not Include:*

     Wages                                                                       Tips and other gratuities received by employees
     Salaries, including retroactive wages or salaries                           An employer’s payments to group insurance or pension
     Incentive plans                                                             plans
     Sick pay                                                                    Value of special rewards for individual invention or
     Vacation pay                                                                discovery
     Holiday pay                                                                 Dismissal or severance payments (except for time
     Employer obligations for insurance or pension plans such                    worked or accrued vacation)
     as social security or Medicare.                                             Payments for active military duty
     Total cash received by employees for commissions and                        Employee discounts on good purchased from the
     draws against commissions                                                   employee s employer
     Profit sharing                                                              Supper money for late work
     Piece work                                                                  Work uniform allowances
     Extra provisions for overtime                                               Employer-provided perks such as: use of an auto, an
     Employee hand or power tools used by hand provided by                       airplane flight, an incentive vacation, discount on property
     employees either directly or through a third party                          or services, club memberships, or tickets to entertainment
     Credits or any substitute for money received                                events
     Rental value of an apartment or a house provided                            Employer contributions to salary reduction, employee
     Bonuses including stock bonus plans                                         saving plans, retirement or cafeteria plans (IRC 125)
     Annuity plans                                                               Expense reimbursements to employees if the reimbursed
     Value of store certificates, merchandise, credits or any                    expenses were incurred while conducting the business of
     substitute for money received.                                              the employer, the amount of said expenses is shown
     Expense reimbursements to employees to the extent that                      separately in the records of the employer and the amount
     an employer s records do not confirm that the expense                       of reimbursement approximates the actual expense
     was incurred as a valid business expense                                    incurred by the employee in the conduct of his or her
     Payment for filming of commercials excluding subsequent                     work
     residuals which are earned by the commercial s                              Sick pay paid to an employee by a third party such as an
     participant(s) each time the commercial appears in print                    insured’s group insurance carrier that is paying disability
     or is broadcast                                                             income benefits to a disabled employee.
     Merchandise
     Value of meals and lodging received as part of an
     employee’s pay
     Payments for salary reduction, employee savings plans,
     retirement or cafeteria plans (IRC 125) made through
     deductions

Your business is unique! If you have questions about how your specific circumstances affect premium, please contact your
American Family Insurance agent.

Please note that if there is any conflict between the policy and this information, the provisions of the policy will prevail. If you have
questions about how your specific circumstances may affect your premium, please contact your American Family agent.




*May not apply to all states.
                                                                                                      AMERICAN FAMILY MUTUAL INSURANCE COMPANY
                                                                                                             AMERICAN FAMILY INSURANCE COMPANY
                                                            Includes copyrighted material
PR-06287 Rev. 2/10                             1995, 1997 National Council on Compensation Insurance Inc.                             Page 2 of 2
260                                                                           46 X07816-02          001 DAB

                          AMERICAN FAMILY INSURANCE GROUP
                                 6000 AMERICAN PKWY
                                MADISON, WI 53783-0001
                                      (608) 249-2111




  DUNLAP, TRACEY
  1248 CEDAR AVE APT 56
  MARYSVILLE WA 98270-5618




  Policy Number: 46 X07816-02

  Dear Policyholder:

  American Family has sorted recyclables, promoted ride-share programs, used energy-efficient lighting in
  its offices and carried out many other environmentally friendly practices for years. Now, were building
  on that foundation and taking another step toward being more green.

  To achieve this "green" goal, we are streamlining the information youll receive when your policy
  renews. Instead of receiving a complete copy of your policy, youll simply receive a declaration stating
                                                                  t
  your current limits and coverage. This will help our environmen by saving more than 6 million pieces
  of paper per year!

                                                             ts
  You will continue to receive copies of forms and endorsemen that have been revised since your last
                                                         ts,
  renewal. Unless replaced by new forms and endorsemen these documents remain in effect at each
  renewal and are a part of your policy.

  Please contact your agent if you require a complete policy copy or have any questions regarding this
  notice. Thank you for insuring with American Family. We appreciate your business and look forward to
  building a greener future together.

  Sincerely,

  AMERICAN FAMILY MUTUAL INSURANCE COMPANY




  ARTURO MALDONADO
  1246 STATE AVE STE E
  MARYSVILLE       WA 98270-3694




  PLC-29255
@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@
       260                                                           46 X07816-02    001 DAB




                      BUSINESS             KEY POLICY
                              Non-assessable policy Issued by
                    AMERICAN FAMILY MUTUAL INSURANCE COMPANY
                                   6000 American Pkwy
                                 Madison WI 53783-0001
                                      (608) 249-2111
                         Member of American Family Insurance Group




   BK 00 00 05 93                                                                   Stock No. 00831
    260                                                                                           46 X07816-02    001 DAB




           THIS POLICY CONSISTS OF:

           - DECLARATIONS

            - ONE OR MORE COVERAGE PARTS. A COVERAGE PART CONSISTS OF:
                 ONE OR MORE COVERAGE FORMS
                 APPLICABLE FORMS AND ENDORSEMENTS

           - COMMON POLICY CONDITIONS




                         Includes copyrighted material of Insurance Services Office, Inc. with its permission
                                      Copyright Insurance Office, Inc. 1982, 1983, 1984, 1985


BK 00 00 05 93                                                Page 2 of 4                                        Stock No. 00831
    260                                                                                                46 X07816-02             001 DAB
                                            AMERICAN FAMILY MUTUAL INSURANCE COMPANY
                                                  MADISON, WISCONSIN 53783-0001

                                                       COMMON DECLARATIONS

POLICY NUMBER                                                 COMPANY CODE                                      CUSTOMER BILLING ACCOUNT
46 X07816-02                                                0000-BLBK-WA                                        016-523-048 70

NAMED            DUNLAP, TRACEY                                                     DBA      TRACEYS HOUSEKEEPING
INSURED
MAILING          1248 CEDAR AVE APT 56
ADDRESS          MARYSVILLE WA 98270-5618



POLICY PERIOD        FROM 03/31/2011 TO 03/31/2012
                     12:01 A.M. Standard Time at your mailing address shown above.

FORM OF BUSINESS:           INDIVIDUAL
BUSINESS DESCRIPTION:           JANITORIAL

In return for the payment of the premium, and subject to all the terms of this policy, we agree with you to provide the insurance as stated in
this policy.
This policy consists of the following coverage parts for which a premium is indicated, this premium may be subject to adjustment.

                                                                                                      PREMIUM
COMMERCIAL GENERAL LIABILITY COVERAGE PART                                                                   $334.00
COMMERCIAL INLAND MARINE COVERAGE PART                                                                        $39.00
                                                                      TOTAL PREMIUM                          $373.00

You may be charged a fee when: (a) you pay less than the full amount due; (b) your payment is late; and/or (c) when your bank does
not honor your check or electronic payment. Refer to your Billing Notice for fee amounts.

Forms and endorsements applying to all coverage parts and made part of this policy at time of issue:
BK 00 00 05 93                IL 00 17 11 98                IL 01 46 09 07



AUTHORIZED                                                                         COUNTERSIGNED
REPRESENTATIVE                                                                     LICENSED RESIDENT AGENT




AGENT 025-353                                                                                    PAGE            01
ARTURO MALDONADO                                                                                 BRANCH          DAB                     01-12
1246 STATE AVE STE E                                                                             ENTRY DATE      04/07/2011
MARYSVILLE           WA                  98270-3694
AF DS 00 07 06                                                   INSURED                                               Stock No. 05975
    260                                                                                                  46 X07816-02             001 DAB

                                                                                                                                 IL 00 17 11 98

                                                       COMMON POLICY CONDITIONS

All Coverage Parts included in this policy are subject to the following conditions.

A. Cancellation
    1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of
       cancellation.
    2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least:
        a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or
        b. 30 days before the effective date of cancellation if we cancel for any other reason.

    3. We will mail or deliver our notice to the first Named Insured’s last mailing address known to us.
    4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date.

    5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If
       the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or
       offered a refund.
    6. If notice is mailed, proof of mailing will be sufficient proof of notice.

B. Changes
    This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the
    Declarations is authorized to make changes in the terms of this policy with our consent. This policy’s terms can be amended or waived
    only by endorsement issued by us and made a part of this policy.

C. Examination Of Your Books And Records
    We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three
    years afterward.

D. Inspections And Surveys
   1. We have the right to:
        a. Make inspections and surveys at any time;
        b. Give you reports on the conditions we find; and
        c. Recommend changes.
    2. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate
       only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of
       any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions:
        a. Are safe or healthful; or
        b. Comply with laws, regulations, codes or standards.
    3. Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, advisory, rate service or similar organization which
       makes insurance inspections, surveys, reports or recommendations.

    4. Paragraph 2. of this condition does not apply to any inspections, surveys, reports or recommendations we may make relative to
       certification, under state or municipal statutes, ordinances or regulations, of boilers, pressure vessels or elevators.

E. Premiums
    The first Named Insured shown in the Declarations:
    1. Is responsible for the payment of all premiums; and
    2. Will be the payee for any return premiums we pay.

F. Transfer Of Your rights And Duties Under This Policy
    Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual
    named insured.
    If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your
    legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your
    rights and duties but only with respect to that property.




IL 00 17 11 98                                      Copyright, Insurance Services Office, Inc., 1998                                 Stock No. 05735
     260                                                                                                     46 X07816-02               001 DAB


                                                                                                                                       IL 01 46 09 07

                              THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

                                              WASHINGTON COMMON POLICY CONDITIONS

All Coverage Parts included in this policy are subject to the following conditions.
The conditions in this endorsement replace any similar conditions                          c. The policy does not cover garage, automobile sales
in the policy that are less favorable to the insured.                                          agency, repair shop, service station or public parking
                                                                                               place operations hazards;
A. Cancellation
                                                                                          we may cancel the Commercial Automobile Coverage Part
     1. The first Named Insured shown in the Declarations may                             by mailing or delivering to the first Named Insured and the
         cancel this policy by mailing or delivering to us advance                        first Named Insured’s agent or broker written notice of
         written notice of cancellation.
                                                                                          cancellation, including the actual reason for cancellation,
     2. We may cancel this policy by mailing or delivering to the                         to the last mailing address known to us:
         first Named Insured and the first Named Insured’s agent or
                                                                                           a. At least 10 days before the effective date of
         broker written notice of cancellation, including the actual
                                                                                               cancellation if we cancel for nonpayment of premium;
         reason for the cancellation, to the last mailing address                              or
         known to us, at least:
                                                                                           b. At least 10 days before the effective date of
          a. 10 days before the effective date of cancellation if we                           cancellation for any other reason if the policy is in
               cancel for nonpayment of premium; or                                            effect less than 30 days; or
          b. 45 days before the effective date of cancellation if we
                                                                                           c. At least 20 days before the effective date of
               cancel for any other reason;
                                                                                               cancellation for other than nonpayment if the policy is
         except as provided in Paragraphs 3. and 4. below.                                     in effect 30 days or more; or
     3. We may cancel the Commercial Property Coverage Part                                d. At least 20 days before the effective date of
         and the Capital Assets Program (Output Policy) Coverage                               cancellation if the policy is in effect for 60 days or
         Part, if made a part of this policy, by mailing or delivering                         more or is a renewal or continuation policy, and the
         to the first Named Insured and the first Named Insured’s                              reason for cancellation is that your driver’s license or
         agent or broker written notice of cancellation at least 5                             that of any driver who customarily uses a covered
         days before the effective date of cancellation for any                                "auto" has been suspended or revoked during policy
         structure where 2 or more of the following conditions exist:                          period.
          a. Without reasonable explanation, the structure is                          5. We will also mail or deliver to any mortgage holder,
               unoccupied for more than 60 consecutive days, or at                        pledgee or other person shown in this policy to have an
               least 65% of the rental units are unoccupied for more                      interest in any loss which may occur under this policy, at
               than 120 consecutive days unless the structure is                          their last mailing address known to us, written notice of
               maintained for seasonal occupancy or is under                              cancellation, prior to the effective date of cancellation. If
               construction or repair;                                                    cancellation is for reasons other than those contained in
          b. Without reasonable explanation, progress toward                              Paragraph A.3. above, this notice will be the same as that
               completion of permanent repairs to the structure has                       mailed or delivered to the first Named Insured. If
               not occurred within 60 days after receipt of funds fol-                    cancellation is for a reason contained in Paragraph A.3.
               lowing satisfactory adjustment or adjudication of loss                     above, we will mail or deliver this notice at least 20 days
               resulting from a fire;                                                     prior to the effective date of cancellation.
          c. Because of its physical condition, the structure is in                    6. Notice of cancellation will state the effective date of
               danger of collapse;                                                        cancellation. The policy period will end on that date.
          d. Because of its physical condition, a vacation or                          7. If this policy is cancelled, we will send the first Named
               demolition order has been issued for the structure, or                     Insured any premium refund due. If we cancel, the refund
               it has been declared unsafe in accordance with                             will be pro rata. If the first Named Insured cancels, the
               applicable law;                                                            refund will be at least 90% of the pro rata refund unless
          e. Fixed and salvageable items have been removed from                           the following applies:
               the structure, indicating an intent to vacate the                           a. For Division Two Equipment Breakdown, if the first
               structure;                                                                      Named Insured cancels, the refund will be at least
           f. Without reasonable explanation, heat, water, sewer,                              75% of the pro rata refund.
               and electricity are not furnished for the structure for 60                  b. If:
               consecutive days; or                                                            (1) You are an individual;
          g. The structure is not maintained in substantial compli-                            (2) A covered auto you own is of the "private
               ance with fire, safety and building codes.                                           passenger type";
     4. If:                                                                                    (3) The policy does not cover garage, automobile
          a. You are an individual;                                                                 sales agency, repair shop, service station or
          b. A covered auto you own is of the "private passenger                                    public parking place operations hazards; and
               type"; and

                                                                                                                                             Page 1 of 2
IL 01 46 09 07                                                    ISO Properties, Inc., 2006                                            Stock No. 25674
     260                                                                                                   46 X07816-02               001 DAB


              (4) The first Named Insured cancels;                                 of your property will have your rights and duties but only with
               the refund will be not less than 90% of any unearned                respect to that property.
               portion not exceeding $100, plus 95% of any                      G. Nonrenewal
               unearned portion over $100 but not exceeding $500,                   1. We may elect not to renew this policy by mailing or
               and not less than 97% of any unearned portion in                        delivering written notice of nonrenewal, stating the reasons
               excess of $500.                                                         for nonrenewal, to the first Named Insured and the first
               The cancellation will be effective even if we have not                  Named Insured’s agent or broker, at their last mailing
               made or offered a refund.                                               addresses known to us. We will also mail to any mortgage
      8. If notice is mailed, proof of mailing will be sufficient proof                holder, pledgee or other person shown in this policy to
          of notice.                                                                   have an interest in any loss which may occur under this
                                                                                       policy, at their last mailing address known to us, written
B.   Changes                                                                           notice of nonrenewal. We will mail or deliver these notices
     The policy contains all the agreements between you and us                         at least 45 days before the:
     concerning the insurance afforded. The first Named Insured
                                                                                        a. Expiration of the policy; or
     shown in the Declarations is authorized to make changes in
     the terms of this policy with our consent. This policy’s terms                     b. Anniversary date of this policy if this policy has been
     can be amended or waived only by endorsement issued by us                              written for a term of more than one year.
     and made a part of this policy.                                                   Otherwise, we will renew this policy unless:
C.   Examination Of Your Books And Records                                              a. The first Named Insured fails to pay the renewal
     We may examine and audit your books and records as they                                premium after we have expressed our willingness to
     relate to this policy at any time during the policy period and up                      renew, including a statement of the renewal premium,
     to three years afterward.                                                              to the first Named Insured and the first Named
                                                                                            Insured’s insurance agent or broker, at least 20 days
D.   Inspection And Surveys                                                                 before the expiration date;
      1. We have the right to:                                                          b. Other coverage acceptable to the insured has been
           a. Make inspections and surveys at any time;                                     procured prior to the expiration date of the policy; or
           b. Give you reports on the conditions we find; and                           c. The policy clearly states that it is not renewable, and is
           c. Recommend changes.                                                            for a specific line, subclassification, or type of
      2. We are not obligated to make any inspections, surveys,                             coverage that is not offered on a renewable basis.
          reports or recommendations and any such actions we do                     2. If:
          undertake relate only to insurability and the premiums to                     a. You are an individual;
          be charged. We do not make safety inspections. We do                          b. A covered auto you own is of the "private passenger
          not undertake to perform the duty of any person or                                type"; and
          organization to provide for the health or safety of workers
          or the public. And we do not warrant that conditions:                         c. The policy does not cover garage, automobile sales
                                                                                            agency, repair shop, service station or public parking
           a. Are safe or healthful; or                                                     place operations hazards;
           b. Comply with laws, regulations, codes or standards.                       the following applies to nonrenewal of the Commercial
      3. Paragraphs 1. and 2. of this condition apply not only to us,                  Automobile Coverage Part in place of G.1.:
          but also to any rating, advisory, rate service or similar
                                                                                        a. We may elect not to renew or continue this policy by
          organization which makes insurance inspections, surveys,                          mailing or delivering to you and your agent or broker
          reports or recommendations.
                                                                                            written notice at least 20 days before the end of the
      4. Paragraph 2. of this condition does not apply to any                               policy period including the actual reason for
          inspections, surveys, reports or recommendations we may                           nonrenewal. If the policy period is more than one year,
          make relative to certification, under state or municipal                          we will have the right not to renew or continue it only
          statutes, ordinances or regulations, of boilers, pressure                         at an anniversary of its original effective date. If we
          vessels or elevators.                                                             offer to renew or continue and you do not accept, this
E.   Premiums                                                                               policy will terminate at the end of the current policy
     The first Named Insured shown in the Declarations:                                     period. Failure to pay the required renewal or
                                                                                            continuation premium when due shall mean that you
      1. Is responsible for the payment of all premiums; and                                have not accepted our offer.
      2. Will be the payee for any return premiums we pay.                              b. We will not refuse to renew Liability Coverage or
F.   Transfer Of Your Rights And Duties Under This Policy                                   Collision Coverage solely because an "insured" has
     Your rights and duties under this policy may not be transferred                        submitted claims under Comprehensive Coverage or
     without our written consent except in the case of death of an                          Towing and Labor Coverage.
     individual named insured.                                                          c. If we fail to mail or deliver proper notice of nonrenewal
     If you die, your rights and duties will be transferred to your                         and you obtain other insurance this policy will end on
     legal representative but only while acting within the scope of                         the effective date of that insurance.
     duties as your legal representative. Until your legal represen-
     tative is appointed, anyone having proper temporary custody


                                                                                                                                           Page 2 of 2
IL 01 46 09 07                                                  ISO Properties, Inc., 2006                                            Stock No. 25674
      260                 46 X07816-02   001 DAB




              LIABILITY




UBL - 05926
    260                                                                                                46 X07816-02       001 DAB
                                           AMERICAN FAMILY MUTUAL INSURANCE COMPANY
                                                 MADISON, WISCONSIN 53783-0001
                                        COMMERCIAL GENERAL LIABILITY COVERAGE PART
POLICY NUMBER                                         DECLARATIONS                                                    COMPANY CODE
46 X07816-02                                                                                                          0000-BLBK-WA



NAMED            DUNLAP, TRACEY                                                    DBA     TRACEYS HOUSEKEEPING
INSURED
MAILING          1248 CEDAR AVE APT 56
ADDRESS          MARYSVILLE WA 98270-5618



LIMITS OF INSURANCE
            GENERAL AGGREGATE LIMIT (OTHER THAN PRODUCTS-COMPLETED OPERATIONS)                                $2,000,000
            PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT                                                     $2,000,000
            PERSONAL & ADVERTISING INJURY LIMIT                                                               $1,000,000
            EACH OCCURRENCE LIMIT                                                                             $1,000,000
            DAMAGE TO PREMISES RENTED TO YOU LIMIT - ANY ONE PREMISES                                           $100,000
            MEDICAL EXPENSE LIMIT - ANY ONE PERSON                                                                $5,000
LOCATION OF ALL PREMISES YOU OWN, RENT OR OCCUPY


        LOCATION     0001        PREMISES 001

        1248 CEDAR AVE APT 56
        MARYSVILLE SNOHOMISH COUNTY WA                      98270-5618
CLASSIFICATION
                                            PREMIUM
CODE             DESCRIPTION                 BASIS                          RATE                             ADVANCE PREMIUM
                                                                    ALL                 PR/                  ALL             PR/
                                                                   OTHER                CO                  OTHER            CO
96816      JANITORIAL                                  12           27.833          (INCL)                      $334.00      (INCL)
           SERVICES-PROD-
           UCTS-COMPLETED
           OPERATIONS ARE
           SUBJECT TO THE
           GENERAL
           AGGREGATE LIMIT

                                             (8)                    (D)
8=EMPLOYEE MONTH                                                  D=PER EMPLOYEE MONTH
                                                                 TOTAL ADVANCE PREMIUM                       $334.00

Forms and endorsements applying to this coverage part and made part of this policy at time of issue:
CG 00 01 12 07               CG 74 07 01 06                 CG 01 97 12 07              CG 77 04 07 10           IL 01 98 07 02
IL 75 02 06 99               CG 21 60 09 98                 IL 09 85 01 08              CG 26 77 12 04           CG 77 14 01 06
CG 21 96 03 05               CG 03 00 01 96                 CG 74 02 10 97              CG 21 75 06 08




AGENT 025-353                                                                                  PAGE           01
ARTURO MALDONADO                                                                               BRANCH         DAB                   01-12
1246 STATE AVE STE E                                                                           ENTRY DATE     04/07/2011
MARYSVILLE           WA                  98270-3694
CG AF 01 07 98                                                  INSURED                                                 Stock No. 05981
    260                                                                     46 X07816-02       001 DAB
                            AMERICAN FAMILY MUTUAL INSURANCE COMPANY
                                  MADISON, WISCONSIN 53783-0001
                          COMMERCIAL GENERAL LIABILITY COVERAGE PART
POLICY NUMBER                           DECLARATIONS                                       COMPANY CODE
46 X07816-02                                                                               0000-BLBK-WA




AUTHORIZED                                              COUNTERSIGNED
REPRESENTATIVE                                          LICENSED RESIDENT AGENT




AGENT 025-353                                                         PAGE         02
ARTURO MALDONADO                                                      BRANCH       DAB                   01-12
1246 STATE AVE STE E                                                  ENTRY DATE   04/07/2011
MARYSVILLE           WA   98270-3694
CG AF 01 07 98                             INSURED                                           Stock No. 05981
    260                                                                                                 46 X07816-02               001 DAB


                                                                                                         COMMERCIAL GENERAL LIABILITY
                                                                                                                        CG 00 01 12 07

                                      COMMERCIAL GENERAL LIABILITY COVERAGE FORM


Various provisions in this policy restrict coverage. Read the entire            c. "Bodily injury" or "property damage" which occurs during
policy carefully to determine rights, duties and what is and is not                 the policy period and was not, prior to the policy period,
covered.                                                                            known to have occurred by any insured listed under
Throughout this policy the words "you" and "your" refer to the                      Paragraph 1. of Section II Who Is An Insured or any
Named Insured shown in the Declarations, and any other person                       "employee" authorized by you to give or receive notice of
or organization qualifying as a Named Insured under this policy.                    an "occurrence" or claim, includes any continuation,
The words "we", "us" and "our" refer to the company providing this                  change or resumption of that "bodily injury" or "property
insurance.                                                                          damage" after the end of the policy period.
The word "insured" means any person or organization qualifying as               d. "Bodily injury" or "property damage" will be deemed to
such under Section II Who Is An Insured.                                            have been known to have occurred at the earliest time
                                                                                    when any insured listed under Paragraph 1. of Section II
Other words and phrases that appear in quotation marks have                         Who Is An Insured or any "employee" authorized by you to
special meaning. Refer to Section V Definitions.                                    give or receive notice of an "occurrence" or claim:
SECTION I COVERAGES                                                                 (1) Reports all, or any part, of the "bodily injury" or
COVERAGE A BODILY INJURY AND PROPERTY DAMAGE                                             "property damage" to us or any other insurer;
LIABILITY                                                                           (2) Receives a written or verbal demand or claim for
 1. Insuring Agreement                                                                   damages because of the "bodily injury" or "property
     a. We will pay those sums that the insured becomes legally                          damage"; or
        obligated to pay as damages because of "bodily injury" or                   (3) Becomes aware by any other means that "bodily
        "property damage" to which this insurance applies. We will                       injury" or "property damage" has occurred or has
        have the right and duty to defend the insured against any                        begun to occur.
        "suit" seeking those damages. However, we will have no                  e. Damages because of "bodily injury" include damages
        duty to defend the insured against any "suit" seeking                       claimed by any person or organization for care, loss of
        damages for "bodily injury" or "property damage" to which                   services or death resulting at any time from the "bodily
        this insurance does not apply. We may, at our discretion,                   injury".
        investigate any "occurrence" and settle any claim or "suit"
        that may result. But:                                                2. Exclusions
        (1) The amount we will pay for damages is limited as                    This insurance does not apply to:
             described in Section III Limits Of Insurance; and                  a. Expected Or Intended Injury
        (2) Our right and duty to defend ends when we have used                     "Bodily injury" or "property damage" expected or intended
             up the applicable limit of insurance in the payment of                 from the standpoint of the insured. This exclusion does not
             judgments or settlements under Coverages A or B or                     apply to "bodily injury" resulting from the use of
             medical expenses under Coverage C.                                     reasonable force to protect persons or property.
        No other obligation or liability to pay sums or perform acts            b. Contractual Liability
        or services is covered unless explicitly provided for under                 "Bodily injury" or "property damage" for which the insured
        Supplementary Payments Coverages A and B.                                   is obligated to pay damages by reason of the assumption
     b. This insurance applies to "bodily injury" and "property                     of liability in a contract or agreement. This exclusion does
        damage" only if:                                                            not apply to liability for damages:
        (1) The "bodily injury" or "property damage" is caused by                   (1) That the insured would have in the absence of the
             an "occurrence" that takes place in the "coverage                           contract or agreement; or
             territory";                                                            (2) Assumed in a contract or agreement that is an
        (2) The "bodily injury" or "property damage" occurs during                       "insured contract", provided the "bodily injury" or
             the policy period; and                                                      "property damage" occurs subsequent to the
        (3) Prior to the policy period, no insured listed under                          execution of the contract or agreement. Solely for the
             Paragraph 1. of Section II Who Is An Insured and no                         purposes of liability assumed in an "insured contract",
             "employee" authorized by you to give or receive notice                      reasonable attorney fees and necessary litigation
             of an "occurrence" or claim, knew that the "bodily                          expenses incurred by or for a party other than an
             injury" or "property damage" had occurred, in whole or                      insured are deemed to be damages because of
             in part. If such a listed insured or authorized                             "bodily injury" or "property damage", provided:
             "employee" knew, prior to the policy period, that the                       (a) Liability to such party for, or for the cost of, that
             "bodily injury" or "property damage" occurred, then                               party’s defense has also been assumed in the
             any continuation, change or resumption of such                                    same "insured contract"; and
             "bodily injury" or "property damage" during or after the
             policy period will be deemed to have been known prior
             to the policy period.
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              (b) Such attorney fees and litigation expenses are for                              (ii) "Bodily injury" or "property damage" for which
                   defense of that party against a civil or alternative                                you may be held liable, if you are a contractor
                   dispute resolution proceeding in which damages                                      and the owner or lessee of such premises,
                   to which this insurance applies are alleged.                                        site or location has been added to your policy
     c.   Liquor Liability                                                                             as an additional insured with respect to your
                                                                                                       ongoing operations performed for that
          "Bodily injury" or "property damage" for which any insured                                   additional insured at that premises, site or
          may be held liable by reason of:                                                             location and such premises, site or location is
          (1) Causing or contributing to the intoxication of any                                       not and never was owned or occupied by, or
               person;                                                                                 rented or loaned to, any insured, other than
          (2) The furnishing of alcoholic beverages to a person                                        that additional insured; or
               under the legal drinking age or under the influence of                            (iii) "Bodily injury" or "property damage" arising
               alcohol; or                                                                             out of heat, smoke or fumes from a "hostile
          (3) Any statute, ordinance or regulation relating to the                                     fire";
               sale, gift, distribution or use of alcoholic beverages.                        (b) At or from any premises, site or location which is
          This exclusion applies only if you are in the business of                               or was at any time used by or for any insured or
          manufacturing, distributing, selling, serving or furnishing                             others for the handling, storage, disposal,
          alcoholic beverages.                                                                    processing or treatment of waste;
    d.    Workers’ Compensation And Similar Laws                                              (c) Which are or were at any time transported,
          Any obligation of the insured under a workers’                                          handled, stored, treated, disposed of, or
          compensation, disability benefits or unemployment                                       processed as waste by or for:
          compensation law or any similar law.                                                     (i) Any insured; or
     e.   Employer’s Liability                                                                    (ii) Any person or organization for whom you may
          "Bodily injury" to:                                                                          be legally responsible; or
          (1) An "employee" of the insured arising out of and in the                          (d) At or from any premises, site or location on which
               course of:                                                                         any insured or any contractors or subcontractors
                                                                                                  working directly or indirectly on any insured’s
              (a) Employment by the insured; or                                                   behalf are performing operations if the "pollutants"
              (b) Performing duties related to the conduct of the                                 are brought on or to the premises, site or location
                   insured’s business; or                                                         in connection with such operations by such
          (2) The spouse, child, parent, brother or sister of that                                insured, contractor or subcontractor. However, this
               "employee" as a consequence of Paragraph (1)                                       subparagraph does not apply to:
               above.                                                                              (i) "Bodily injury" or "property damage" arising
          This exclusion applies whether the insured may be liable                                     out of the escape of fuels, lubricants or other
          as an employer or in any other capacity and to any                                           operating fluids which are needed to perform
          obligation to share damages with or repay someone else                                       the normal electrical, hydraulic or mechanical
          who must pay damages because of the injury.                                                  functions necessary for the operation of
                                                                                                       "mobile equipment" or its parts, if such fuels,
          This exclusion does not apply to liability assumed by the                                    lubricants or other operating fluids escape
          insured under an "insured contract".
                                                                                                       from a vehicle part designed to hold, store or
     f.   Pollution                                                                                    receive them. This exception does not apply if
          (1) "Bodily injury" or "property damage" arising out of the                                  the "bodily injury" or "property damage" arises
               actual, alleged or threatened discharge, dispersal,                                     out of the intentional discharge, dispersal or
               seepage, migration, release or escape of "pollutants":                                  release of the fuels, lubricants or other
              (a) At or from any premises, site or location which is                                   operating fluids, or if such fuels, lubricants or
                   or was at any time owned or occupied by, or                                         other operating fluids are brought on or to the
                   rented or loaned to, any insured. However, this                                     premises, site or location with the intent that
                   subparagraph does not apply to:                                                     they be discharged, dispersed or released as
                                                                                                       part of the operations being performed by
                    (i) "Bodily injury" if sustained within a building                                 such insured, contractor or subcontractor;
                         and caused by smoke, fumes, vapor or soot
                         produced by or originating from equipment                                (ii) "Bodily injury" or "property damage" sustained
                         that is used to heat, cool or dehumidify the                                  within a building and caused by the release of
                         building, or equipment that is used to heat                                   gases, fumes or vapors from materials
                         water for personal use, by the building’s                                     brought into that building in connection with
                         occupants or their guests;                                                    operations being performed by you or on your
                                                                                                       behalf by a contractor or subcontractor; or
                                                                                                 (iii) "Bodily injury" or "property damage" arising
                                                                                                       out of heat, smoke or fumes from a "hostile
                                                                                                       fire".



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           (e) At or from any premises, site or location on which                         (b) the operation of any of the machinery or
                 any insured or any contractors or subcontractors                               equipment listed in Paragraph f.(2) or f.(3) of the
                 working directly or indirectly on any insured’s                                definition of "mobile equipment".
                 behalf are performing operations if the operations               h. Mobile Equipment
                 are to test for, monitor, clean up, remove, contain,
                 treat, detoxify or neutralize, or in any way respond                 "Bodily injury" or "property damage" arising out of:
                 to, or assess the effects of, "pollutants".                          (1) The transportation of "mobile equipment" by an "auto"
       (2) Any loss, cost or expense arising out of any:                                   owned or operated by or rented or loaned to any
                                                                                           insured; or
           (a) Request, demand, order or statutory or regulatory
                 requirement that any insured or others test for,                     (2) The use of "mobile equipment" in, or while in practice
                 monitor, clean up, remove, contain, treat, detoxify                       for, or while being prepared for, any prearranged
                 or neutralize, or in any way respond to, or assess                        racing, speed, demolition, or stunting activity.
                 the effects of, "pollutants"; or                                  i. War
           (b) Claim or "suit" by or on behalf of a governmental                      "Bodily injury" or "property damage", however caused,
                 authority for damages because of testing for,                        arising, directly or indirectly, out of:
                 monitoring, cleaning up, removing, containing,                       (1) War, including undeclared or civil war;
                 treating, detoxifying or neutralizing, or in any way                 (2) Warlike action by a military force, including action in
                 responding to, or assessing the effects of,                               hindering or defending against an actual or expected
                 "pollutants".                                                             attack, by any government, sovereign or other
            However, this paragraph does not apply to liability for                        authority using military personnel or other agents; or
            damages because of "property damage" that the                             (3) Insurrection, rebellion, revolution, usurped power, or
            insured would have in the absence of such request,                             action taken by governmental authority in hindering or
            demand, order or statutory or regulatory requirement,                          defending against any of these.
            or such claim or "suit" by or on behalf of a
            governmental authority.                                               j. Damage To Property
    g. Aircraft, Auto Or Watercraft                                                   "Property damage" to:
       "Bodily injury" or "property damage" arising out of the                        (1) Property you own, rent, or occupy, including any costs
       ownership, maintenance, use or entrustment to others of                             or expenses incurred by you, or any other person,
       any aircraft, "auto" or watercraft owned or operated by or                          organization or entity, for repair, replacement,
       rented or loaned to any insured. Use includes operation                             enhancement, restoration or maintenance of such
       and "loading or unloading".                                                         property for any reason, including prevention of injury
                                                                                           to a person or damage to another’s property;
       This exclusion applies even if the claims against any
       insured allege negligence or other wrongdoing in the                           (2) Premises you sell, give away or abandon, if the
       supervision, hiring, employment, training or monitoring of                          "property damage" arises out of any part of those
       others by that insured, if the "occurrence" which caused                            premises;
       the "bodily injury" or "property damage" involved the                          (3) Property loaned to you;
       ownership, maintenance, use or entrustment to others of                        (4) Personal property in the care, custody or control of the
       any aircraft, "auto" or watercraft that is owned or operated                        insured;
       by or rented or loaned to any insured.
                                                                                      (5) That particular part of real property on which you or
       This exclusion does not apply to:                                                   any contractors or subcontractors working directly or
       (1) A watercraft while ashore on premises you own or                                indirectly on your behalf are performing operations, if
            rent;                                                                          the "property damage" arises out of those operations;
       (2) A watercraft you do not own that is:                                            or
           (a) Less than 26 feet long; and                                            (6) That particular part of any property that must be
                                                                                           restored, repaired or replaced because "your work"
           (b) Not being used to carry persons or property for a                           was incorrectly performed on it.
                 charge;
                                                                                      Paragraphs (1), (3) and (4) of this exclusion do not apply
       (3) Parking an "auto" on, or on the ways next to, premises                     to "property damage" (other than damage by fire) to
            you own or rent, provided the "auto" is not owned by                      premises, including the contents of such premises, rented
            or rented or loaned to you or the insured;                                to you for a period of 7 or fewer consecutive days. A
       (4) Liability assumed under any "insured contract" for the                     separate limit of insurance applies to Damage To
            ownership, maintenance or use of aircraft or                              Premises Rented To You as described in Section III
            watercraft; or                                                            Limits Of Insurance.
       (5) "Bodily injury" or "property damage" arising out of:                       Paragraph (2) of this exclusion does not apply if the
           (a) The operation of machinery or equipment that is                        premises are "your work" and were never occupied, rented
                 attached to, or part of, a land vehicle that would                   or held for rental by you.
                 qualify under the definition of "mobile equipment"                   Paragraphs (3), (4), (5) and (6) of this exclusion do not
                 if it were not subject to a compulsory or financial                  apply to liability assumed under a sidetrack agreement.
                 responsibility law or other motor vehicle insurance
                 law in the state where it is licensed or principally
                 garaged; or
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          Paragraph (6) of this exclusion does not apply to "property                (1) The Telephone Consumer Protection Act (TCPA),
          damage" included in the "products-completed operations                          including any amendment of or addition to such law;
          hazard".                                                                        or
     k.   Damage To Your Product                                                     (2) The CAN-SPAM Act of 2003, including any
          "Property damage" to "your product" arising out of it or any                    amendment of or addition to such law; or
          part of it.                                                                (3) Any statute, ordinance or regulation, other than the
     l.   Damage To Your Work                                                             TCPA or CAN-SPAM Act of 2003, that prohibits or
                                                                                          limits the sending, transmitting, communicating or
          "Property damage" to "your work" arising out of it or any                       distribution of material or information.
          part of it and included in the "products-completed
          operations hazard".                                                    Exclusions c. through n. do not apply to damage by fire to
                                                                                 premises while rented to you or temporarily occupied by you
          This exclusion does not apply if the damaged work or the               with permission of the owner. A separate limit of insurance
          work out of which the damage arises was performed on                   applies to this coverage as described in Section III Limits Of
          your behalf by a subcontractor.                                        Insurance.
    m.    Damage To Impaired Property Or Property Not                         COVERAGE B PERSONAL AND ADVERTISING INJURY
          Physically Injured                                                  LIABILITY
          "Property damage" to "impaired property" or property that           1. Insuring Agreement
          has not been physically injured, arising out of:
                                                                                  a. We will pay those sums that the insured becomes legally
          (1) A defect, deficiency, inadequacy or dangerous                          obligated to pay as damages because of "personal and
               condition in "your product" or "your work"; or                        advertising injury" to which this insurance applies. We will
          (2) A delay or failure by you or anyone acting on your                     have the right and duty to defend the insured against any
               behalf to perform a contract or agreement in                          "suit" seeking those damages. However, we will have no
               accordance with its terms.                                            duty to defend the insured against any "suit" seeking
          This exclusion does not apply to the loss of use of other                  damages for "personal and advertising injury" to which this
          property arising out of sudden and accidental physical                     insurance does not apply. We may, at our discretion,
          injury to "your product" or "your work" after it has been put              investigate any offense and settle any claim or "suit" that
          to its intended use.                                                       may result. But:
    n.    Recall Of Products, Work Or Impaired Property                              (1) The amount we will pay for damages is limited as
          Damages claimed for any loss, cost or expense incurred                          described in Section III Limits Of Insurance; and
          by you or others for the loss of use, withdrawal, recall,                  (2) Our right and duty to defend end when we have used
          inspection, repair, replacement, adjustment, removal or                         up the applicable limit of insurance in the payment of
          disposal of:                                                                    judgments or settlements under Coverages A or B or
          (1) "Your product";                                                             medical expenses under Coverage C.
          (2) "Your work"; or                                                        No other obligation or liability to pay sums or perform acts
                                                                                     or services is covered unless explicitly provided for under
          (3) "Impaired property";                                                   Supplementary Payments Coverages A and B.
          if such product, work, or property is withdrawn or recalled             b. This insurance applies to "personal and advertising injury"
          from the market or from use by any person or organization                  caused by an offense arising out of your business but only
          because of a known or suspected defect, deficiency,                        if the offense was committed in the "coverage territory"
          inadequacy or dangerous condition in it.                                   during the policy period.
    o.    Personal And Advertising Injury                                     2. Exclusions
          "Bodily injury" arising out of "personal and advertising               This insurance does not apply to:
          injury".
                                                                                  a. Knowing Violation Of Rights Of Another
    p.    Electronic Data
                                                                                     "Personal and advertising injury" caused by or at the
          Damages arising out of the loss of, loss of use of, damage                 direction of the insured with the knowledge that the act
          to, corruption of, inability to access, or inability to                    would violate the rights of another and would inflict
          manipulate electronic data.                                                "personal and advertising injury".
          As used in this exclusion, electronic data means                        b. Material Published With Knowledge Of Falsity
          information, facts or programs stored as or on, created or
          used on, or transmitted to or from computer software,                      "Personal and advertising injury" arising out of oral or
          including systems and applications software, hard or                       written publication of material, if done by or at the
          floppy disks, CD-ROMS, tapes, drives, cells, data                          direction of the insured with knowledge of its falsity.
          processing devices or any other media which are used                    c. Material Published Prior To Policy Period
          with electronically controlled equipment.                                  "Personal and advertising injury" arising out of oral or
    q.    Distribution Of Material In Violation Of Statutes                          written publication of material whose first publication took
          "Bodily injury" or "property damage" arising directly or                   place before the beginning of the policy period.
          indirectly out of any action or omission that violates or is            d. Criminal Acts
          alleged to violate:                                                        "Personal and advertising injury" arising out of a criminal
                                                                                     act committed by or at the direction of the insured.

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    e. Contractual Liability                                                    n. Pollution-Related
        "Personal and advertising injury" for which the insured has                Any loss, cost or expense arising out of any:
        assumed liability in a contract or agreement. This                         (1) Request, demand, order or statutory or regulatory
        exclusion does not apply to liability for damages that the                      requirement that any insured or others test for,
        insured would have in the absence of the contract or                            monitor, clean up, remove, contain, treat, detoxify or
        agreement.                                                                      neutralize, or in any way respond to, or assess the
     f. Breach Of Contract                                                              effects of, "pollutants"; or
        "Personal and advertising injury" arising out of a breach of               (2) Claim or suit by or on behalf of a governmental
        contract, except an implied contract to use another’s                           authority for damages because of testing for,
        advertising idea in your "advertisement".                                       monitoring, cleaning up, removing, containing,
    g. Quality Or Performance Of Goods                   Failure To                     treating, detoxifying or neutralizing, or in any way
        Conform To Statements                                                           responding to, or assessing the effects of, "pollutants".
        "Personal and advertising injury" arising out of the failure            o. War
        of goods, products or services to conform with any                         "Personal and advertising injury", however caused, arising,
        statement of quality or performance made in your                           directly or indirectly, out of:
        "advertisement".                                                           (1) War, including undeclared or civil war;
    h. Wrong Description Of Prices                                                 (2) Warlike action by a military force, including action in
        "Personal and advertising injury" arising out of the wrong                      hindering or defending against an actual or expected
        description of the price of goods, products or services                         attack, by any government, sovereign or other
        stated in your "advertisement".                                                 authority using military personnel or other agents; or
     i. Infringement Of Copyright, Patent, Trademark Or                            (3) Insurrection, rebellion, revolution, usurped power, or
        Trade Secret                                                                    action taken by governmental authority in hindering or
        "Personal and advertising injury" arising out of the                            defending against any of these.
        infringement of copyright, patent, trademark, trade secret              p. Distribution Of Material In Violation Of Statutes
        or other intellectual property rights. Under this exclusion,               "Personal and advertising injury" arising directly or
        such other intellectual property rights do not include the                 indirectly out of any action or omission that violates or is
        use of another’s advertising idea in your "advertisement".                 alleged to violate:
        However, this exclusion does not apply to infringement, in                 (1) The Telephone Consumer Protection Act (TCPA),
        your "advertisement", of copyright, trade dress or slogan.                      including any amendment of or addition to such law;
     j. Insureds In Media And Internet Type Businesses                                  or
        "Personal and advertising injury" committed by an insured                  (2) The CAN-SPAM Act of 2003, including any
        whose business is:                                                              amendment of or addition to such law; or
        (1) Advertising, broadcasting, publishing or telecasting;                  (3) Any statute, ordinance or regulation, other than the
        (2) Designing or determining content of web-sites for                           TCPA or CAN-SPAM Act of 2003, that prohibits or
             others; or                                                                 limits the sending, transmitting, communicating or
                                                                                        distribution of material or information.
        (3) An Internet search, access, content or service
             provider.                                                      COVERAGE C MEDICAL PAYMENTS
        However, this exclusion does not apply to Paragraphs                1. Insuring Agreement
        14.a., b. and c. of "personal and advertising injury" under             a. We will pay medical expenses as described below for
        the Definitions Section.                                                   "bodily injury" caused by an accident:
        For the purposes of this exclusion, the placing of frames,                 (1) On premises you own or rent;
        borders or links, or advertising, for you or others anywhere               (2) On ways next to premises you own or rent; or
        on the Internet, is not by itself, considered the business of
        advertising, broadcasting, publishing or telecasting.                      (3) Because of your operations;
    k. Electronic Chatrooms Or Bulletin Boards                                     provided that:
        "Personal and advertising injury" arising out of an                            (a) The accident takes place in the "coverage
        electronic chatroom or bulletin board the insured hosts,                             territory" and during the policy period;
        owns, or over which the insured exercises control.                             (b) The expenses are incurred and reported to us
     l. Unauthorized Use Of Another’s Name Or Product                                        within one year of the date of the accident; and
        "Personal and advertising injury" arising out of the                           (c) The injured person submits to examination, at our
        unauthorized use of another’s name or product in your e-                             expense, by physicians of our choice as often as
        mail address, domain name or metatag, or any other                                   we reasonably require.
        similar tactics to mislead another’s potential customers.               b. We will make these payments regardless of fault. These
    m. Pollution                                                                   payments will not exceed the applicable limit of insurance.
                                                                                   We will pay reasonable expenses for:
        "Personal and advertising injury" arising out of the actual,
        alleged or threatened discharge, dispersal, seepage,                       (1) First aid administered at the time of an accident;
        migration, release or escape of "pollutants" at any time.                  (2) Necessary medical, surgical, x-ray and dental
                                                                                        services, including prosthetic devices; and
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       (3) Necessary ambulance, hospital, professional nursing             2. If we defend an insured against a "suit" and an indemnitee of
            and funeral services.                                             the insured is also named as a party to the "suit", we will
2. Exclusions                                                                 defend that indemnitee if all of the following conditions are
                                                                              met:
   We will not pay expenses for "bodily injury":
                                                                               a. The "suit" against the indemnitee seeks damages for
   a. Any Insured                                                                   which the insured has assumed the liability of the
       To any insured, except "volunteer workers".                                  indemnitee in a contract or agreement that is an "insured
   b. Hired Person                                                                  contract";
       To a person hired to do work for or on behalf of any                    b. This insurance applies to such liability assumed by the
       insured or a tenant of any insured.                                          insured;
   c. Injury On Normally Occupied Premises                                     c. The obligation to defend, or the cost of the defense of,
       To a person injured on that part of premises you own or                      that indemnitee, has also been assumed by the insured in
       rent that the person normally occupies.                                      the same "insured contract";
   d. Workers Compensation And Similar Laws                                    d. The allegations in the "suit" and the information we know
                                                                                    about the "occurrence" are such that no conflict appears to
       To a person, whether or not an "employee" of any insured,                    exist between the interests of the insured and the interests
       if benefits for the "bodily injury" are payable or must be                   of the indemnitee;
       provided under a workers’ compensation or disability
       benefits law or a similar law.                                          e. The indemnitee and the insured ask us to conduct and
                                                                                    control the defense of that indemnitee against such "suit"
   e. Athletics Activities                                                          and agree that we can assign the same counsel to defend
       To a person injured while practicing, instructing or                         the insured and the indemnitee; and
       participating in any physical exercises or games, sports, or             f. The indemnitee:
       athletic contests.
                                                                                   (1) Agrees in writing to:
    f. Products-Completed Operations Hazard
                                                                                         (a) Cooperate with us in the investigation, settlement
       Included within the "products-completed operations                                    or defense of the "suit";
       hazard".
                                                                                        (b) Immediately send us copies of any demands,
   g. Coverage A Exclusions                                                                  notices, summonses or legal papers received in
       Excluded under Coverage A.                                                            connection with the "suit";
SUPPLEMENTARY PAYMENTS COVERAGES A AND B                                                 (c) Notify any other insurer whose coverage is
1. We will pay, with respect to any claim we investigate or settle,                          available to the indemnitee; and
   or any "suit" against an insured we defend:                                          (d) Cooperate with us with respect to coordinating
   a. All expenses we incur.                                                                 other applicable insurance available to the
                                                                                             indemnitee; and
   b. Up to $250 for cost of bail bonds required because of
       accidents or traffic law violations arising out of the use of               (2) Provides us with written authorization to:
       any vehicle to which the Bodily Injury Liability Coverage                         (a) Obtain records and other information related to
       applies. We do not have to furnish these bonds.                                       the "suit"; and
   c. The cost of bonds to release attachments, but only for                            (b) Conduct and control the defense of the
       bond amounts within the applicable limit of insurance. We                             indemnitee in such "suit".
       do not have to furnish these bonds.                                    So long as the above conditions are met, attorneys’ fees
   d. All reasonable expenses incurred by the insured at our                  incurred by us in the defense of that indemnitee, necessary
       request to assist us in the investigation or defense of the            litigation expenses incurred by us and necessary litigation
       claim or "suit", including actual loss of earnings up to $250          expenses incurred by the indemnitee at our request will be
       a day because of time off from work.                                   paid as Supplementary Payments. Notwithstanding the
   e. All court costs taxed against the insured in the "suit".                provisions of Paragraph 2.b.(2) of Section I Coverage A
       However, these payments do not include attorneys’ fees                 Bodily Injury And Property Damage Liability, such payments
       or attorneys’ expenses taxed against the insured.                      will not be deemed to be damages for "bodily injury" and
                                                                              "property damage" and will not reduce the limits of insurance.
    f. Prejudgment interest awarded against the insured on that
       part of the judgment we pay. If we make an offer to pay                Our obligation to defend an insured’s indemnitee and to pay
       the applicable limit of insurance, we will not pay any                 for attorneys’ fees and necessary litigation expenses as
       prejudgment interest based on that period of time after the            Supplementary Payments ends when we have used up the
       offer.                                                                 applicable limit of insurance in the payment of judgments or
                                                                              settlements or the conditions set forth above, or the terms of
   g. All interest on the full amount of any judgment that
                                                                              the agreement described in Paragraph f. above, are no longer
       accrues after entry of the judgment and before we have                 met.
       paid, offered to pay, or deposited in court the part of the
       judgment that is within the applicable limit of insurance.          SECTION II WHO IS AN INSURED
   These payments will not reduce the limits of insurance.                 1. If you are designated in the Declarations as:
                                                                               a. An individual, you and your spouse are insureds, but only
                                                                                    with respect to the conduct of a business of which you are
                                                                                    the sole owner.
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   b. A partnership or joint venture, you are an insured. Your                       (1) With respect to liability arising out of the maintenance
      members, your partners, and their spouses are also                                  or use of that property; and
      insureds, but only with respect to the conduct of your                         (2) Until your legal representative has been appointed.
      business.
                                                                                 d. Your legal representative if you die, but only with respect
   c. A limited liability company, you are an insured. Your                          to duties as such. That representative will have all your
      members are also insureds, but only with respect to the                        rights and duties under this Coverage Part.
      conduct of your business. Your managers are insureds,
      but only with respect to their duties as your managers.               3. Any organization you newly acquire or form, other than a
                                                                                partnership, joint venture or limited liability company, and over
   d. An organization other than a partnership, joint venture or                which you maintain ownership or majority interest, will qualify
      limited liability company, you are an insured. Your                       as a Named Insured if there is no other similar insurance
      "executive officers" and directors are insureds, but only                 available to that organization. However:
      with respect to their duties as your officers or directors.
      Your stockholders are also insureds, but only with respect                 a. Coverage under this provision is afforded only until the
      to their liability as stockholders.                                            90th day after you acquire or form the organization or the
                                                                                     end of the policy period, whichever is earlier;
   e. A trust, you are an insured. Your trustees are also
      insureds, but only with respect to their duties as trustees.               b. Coverage A does not apply to "bodily injury" or "property
                                                                                     damage" that occurred before you acquired or formed the
2. Each of the following is also an insured:                                         organization; and
   a. Your "volunteer workers" only while performing duties                      c. Coverage B does not apply to "personal and advertising
      related to the conduct of your business, or your                               injury" arising out of an offense committed before you
      "employees", other than either your "executive officers" (if                   acquired or formed the organization.
      you are an organization other than a partnership, joint
      venture or limited liability company) or your managers (if           No person or organization is an insured with respect to the
      you are a limited liability company), but only for acts within       conduct of any current or past partnership, joint venture or limited
      the scope of their employment by you or while performing             liability company that is not shown as a Named Insured in the
      duties related to the conduct of your business. However,             Declarations.
      none of these "employees" or "volunteer workers" are                 SECTION III LIMITS OF INSURANCE
      insureds for:                                                         1. The Limits of Insurance shown in the Declarations and the
      (1) "Bodily injury" or "personal and advertising injury":                 rules below fix the most we will pay regardless of the number
           (a) To you, to your partners or members (if you are a                of:
                 partnership or joint venture), to your members (if              a. Insureds;
                 you are a limited liability company), to a co-                  b. Claims made or "suits" brought; or
                 "employee" while in the course of his or her                    c. Persons or organizations making claims or bringing "suits".
                 employment or performing duties related to the
                 conduct of your business, or to your other                 2. The General Aggregate Limit is the most we will pay for the
                 "volunteer workers" while performing duties                    sum of:
                 related to the conduct of your business;                        a. Medical expenses under Coverage C;
           (b) To the spouse, child, parent, brother or sister of                b. Damages under Coverage A, except damages because of
                 that co-"employee" or "volunteer worker" as a                       "bodily injury" or "property damage" included in the
                 consequence of Paragraph (1)(a) above;                              "products-completed operations hazard"; and
           (c) For which there is any obligation to share                        c. Damages under Coverage B.
                 damages with or repay someone else who must                3. The Products-Completed Operations Aggregate Limit is the
                 pay damages because of the injury described in                 most we will pay under Coverage A for damages because of
                 Paragraphs (1)(a) or (b) above; or                             "bodily injury" and "property damage" included in the
           (d) Arising out of his or her providing or failing to                "products-completed operations hazard".
                 provide professional health care services.                 4. Subject to Paragraph 2. above, the Personal and Advertising
      (2) "Property damage" to property:                                        Injury Limit is the most we will pay under Coverage B for the
           (a) Owned, occupied or used by,                                      sum of all damages because of all "personal and advertising
                                                                                injury" sustained by any one person or organization.
           (b) Rented to, in the care, custody or control of, or
                 over which physical control is being exercised for         5. Subject to Paragraph 2. or 3. above, whichever applies, the
                 any purpose by                                                 Each Occurrence Limit is the most we will pay for the sum of:
            you, any of your "employees", "volunteer workers",                   a. Damages under Coverage A; and
            any partner or member (if you are a partnership or                   b. Medical expenses under Coverage C
           joint venture), or any member (if you are a limited                  because of all "bodily injury" and "property damage" arising
            liability company).                                                 out of any one "occurrence".
   b. Any person (other than your "employee" or "volunteer                  6. Subject to Paragraph 5. above, the Damage To Premises
      worker"), or any organization while acting as your real                   Rented To You Limit is the most we will pay under Coverage
      estate manager.                                                           A for damages because of "property damage" to any one
   c. Any person or organization having proper temporary                        premises, while rented to you, or in the case of damage by
      custody of your property if you die, but only:                            fire, while rented to you or temporarily occupied by you with
                                                                                permission of the owner.
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 7. Subject to Paragraph 5. above, the Medical Expense Limit is                A person or organization may sue us to recover on an agreed
    the most we will pay under Coverage C for all medical                      settlement or on a final judgment against an insured; but we
    expenses because of "bodily injury" sustained by any one                   will not be liable for damages that are not payable under the
    person.                                                                    terms of this Coverage Part or that are in excess of the
The Limits of Insurance of this Coverage Part apply separately to              applicable limit of insurance. An agreed settlement means a
each consecutive annual period and to any remaining period of                  settlement and release of liability signed by us, the insured
less than 12 months, starting with the beginning of the policy                 and the claimant or the claimant’s legal representative.
period shown in the Declarations, unless the policy period is               4. Other Insurance
extended after issuance for an additional period of less than 12               If other valid and collectible insurance is available to the
months. In that case, the additional period will be deemed part of             insured for a loss we cover under Coverages A or B of this
the last preceding period for purposes of determining the Limits of            Coverage Part, our obligations are limited as follows:
Insurance.
                                                                                a. Primary Insurance
SECTION IV                COMMERCIAL GENERAL LIABILITY
CONDITIONS                                                                          This insurance is primary except when Paragraph b. below
                                                                                    applies. If this insurance is primary, our obligations are not
 1. Bankruptcy                                                                      affected unless any of the other insurance is also primary.
    Bankruptcy or insolvency of the insured or of the insured’s                     Then, we will share with all that other insurance by the
    estate will not relieve us of our obligations under this                        method described in Paragraph c. below.
    Coverage Part.                                                              b. Excess Insurance
 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit                       (1) This insurance is excess over:
     a. You must see to it that we are notified as soon as                              (a) Any of the other insurance, whether primary,
         practicable of an "occurrence" or an offense which may                               excess, contingent or on any other basis:
         result in a claim. To the extent possible, notice should
         include:                                                                              (i) That is Fire, Extended Coverage, Builder’s
                                                                                                   Risk, Installation Risk or similar coverage for
         (1) How, when and where the "occurrence" or offense                                       "your work";
              took place;
                                                                                             (ii) That is Fire insurance for premises rented to
         (2) The names and addresses of any injured persons and                                    you or temporarily occupied by you with
              witnesses; and                                                                       permission of the owner;
         (3) The nature and location of any injury or damage                                (iii) That is insurance purchased by you to cover
              arising out of the "occurrence" or offense.                                          your liability as a tenant for "property damage"
     b. If a claim is made or "suit" is brought against any insured,                               to premises rented to you or temporarily
         you must:                                                                                 occupied by you with permission of the owner;
         (1) Immediately record the specifics of the claim or "suit"                               or
              and the date received; and                                                    (iv) If the loss arises out of the maintenance or
         (2) Notify us as soon as practicable.                                                     use of aircraft, "autos" or watercraft to the
                                                                                                   extent not subject to Exclusion g. of Section I
         You must see to it that we receive written notice of the                                     Coverage A Bodily Injury And Property
         claim or "suit" as soon as practicable.                                                   Damage Liability.
     c. You and any other involved insured must:                                        (b) Any other primary insurance available to you
         (1) Immediately send us copies of any demands, notices,                              covering liability for damages arising out of the
              summonses or legal papers received in connection                                premises or operations, or the products and
              with the claim or "suit";                                                       completed operations, for which you have been
         (2) Authorize us to obtain records and other information;                            added as an additional insured by attachment of
         (3) Cooperate with us in the investigation or settlement of                          an endorsement.
              the claim or defense against the "suit"; and                          (2) When this insurance is excess, we will have no duty
         (4) Assist us, upon our request, in the enforcement of any                      under Coverages A or B to defend the insured against
              right against any person or organization which may be                      any "suit" if any other insurer has a duty to defend the
              liable to the insured because of injury or damage to                       insured against that "suit". If no other insurer defends,
              which this insurance may also apply.                                       we will undertake to do so, but we will be entitled to
                                                                                         the insured’s rights against all those other insurers.
     d. No insured will, except at that insured’s own cost,
         voluntarily make a payment, assume any obligation, or                      (3) When this insurance is excess over other insurance,
         incur any expense, other than for first aid, without our                        we will pay only our share of the amount of the loss, if
         consent.                                                                        any, that exceeds the sum of:
 3. Legal Action Against Us                                                             (a) The total amount that all such other insurance
                                                                                              would pay for the loss in the absence of this
    No person or organization has a right under this Coverage                                 insurance; and
    Part:
                                                                                        (b) The total of all deductible and self-insured
     a. To join us as a party or otherwise bring us into a "suit"                             amounts under all that other insurance.
         asking for damages from an insured; or
     b. To sue us on this Coverage Part unless all of its terms
         have been fully complied with.
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          (4) We will share the remaining loss, if any, with any                   If notice is mailed, proof of mailing will be sufficient proof of
               other insurance that is not described in this Excess                notice.
               Insurance provision and was not bought specifically to           SECTION V DEFINITIONS
               apply in excess of the Limits of Insurance shown in
               the Declarations of this Coverage Part.                          1. "Advertisement" means a notice that is broadcast or published
                                                                                   to the general public or specific market segments about your
      c. Method Of Sharing                                                         goods, products or services for the purpose of attracting
          If all of the other insurance permits contribution by equal              customers or supporters. For the purposes of this definition:
          shares, we will follow this method also. Under this                       a. Notices that are published include material placed on the
          approach each insurer contributes equal amounts until it                      Internet or on similar electronic means of communication;
          has paid its applicable limit of insurance or none of the                     and
          loss remains, whichever comes first.
                                                                                    b. Regarding web-sites, only that part of a web-site that is
          If any of the other insurance does not permit contribution                    about your goods, products or services for the purposes of
          by equal shares, we will contribute by limits. Under this                     attracting customers or supporters is considered an
          method, each insurer’s share is based on the ratio of its                     advertisement.
          applicable limit of insurance to the total applicable limits of
          insurance of all insurers.                                            2. "Auto" means:
5.   Premium Audit                                                                  a. A land motor vehicle, trailer or semitrailer designed for
                                                                                        travel on public roads, including any attached machinery
      a. We will compute all premiums for this Coverage Part in                         or equipment; or
          accordance with our rules and rates.
                                                                                    b. Any other land vehicle that is subject to a compulsory or
      b. Premium shown in this Coverage Part as advance                                 financial responsibility law or other motor vehicle
          premium is a deposit premium only. At the close of each                       insurance law in the state where it is licensed or principally
          audit period we will compute the earned premium for that                      garaged.
          period and send notice to the first Named Insured. The
          due date for audit and retrospective premiums is the date                However, "auto" does not include "mobile equipment".
          shown as the due date on the bill. If the sum of the                  3. "Bodily injury" means bodily injury, sickness or disease
          advance and audit premiums paid for the policy period is                 sustained by a person, including death resulting from any of
          greater than the earned premium, we will return the                      these at any time.
          excess to the first Named Insured.                                    4. "Coverage territory" means:
      c. The first Named Insured must keep records of the                           a. The United States of America (including its territories and
          information we need for premium computation, and send                         possessions), Puerto Rico and Canada;
          us copies at such times as we may request.                                b. International waters or airspace, but only if the injury or
6.   Representations                                                                    damage occurs in the course of travel or transportation
     By accepting this policy, you agree:                                               between any places included in Paragraph a. above; or
      a. The statements in the Declarations are accurate and                        c. All other parts of the world if the injury or damage arises
          complete;                                                                     out of:
      b. Those statements are based upon representations you                           (1) Goods or products made or sold by you in the territory
          made to us; and                                                                    described in Paragraph a. above;
      c. We have issued this policy in reliance upon your                              (2) The activities of a person whose home is in the
          representations.                                                                   territory described in Paragraph a. above, but is away
7.   Separation Of Insureds                                                                  for a short time on your business; or
     Except with respect to the Limits of Insurance, and any rights                    (3) "Personal and advertising injury" offenses that take
     or duties specifically assigned in this Coverage Part to the first                      place through the Internet or similar electronic means
     Named Insured, this insurance applies:                                                  of communication
      a. As if each Named Insured were the only Named Insured;                     provided the insured’s responsibility to pay damages is
          and                                                                      determined in a "suit" on the merits, in the territory described
                                                                                   in Paragraph a. above or in a settlement we agree to.
      b. Separately to each insured against whom claim is made or
          "suit" is brought.                                                    5. "Employee" includes a "leased worker". "Employee" does not
                                                                                   include a "temporary worker".
8.   Transfer Of Rights Of Recovery Against Others To Us
                                                                                6. "Executive officer" means a person holding any of the officer
     If the insured has rights to recover all or part of any payment               positions created by your charter, constitution, by-laws or any
     we have made under this Coverage Part, those rights are                       other similar governing document.
     transferred to us. The insured must do nothing after loss to
     impair them. At our request, the insured will bring "suit" or              7. "Hostile fire" means one which becomes uncontrollable or
     transfer those rights to us and help us enforce them.                         breaks out from where it was intended to be.
9.   When We Do Not Renew                                                       8. "Impaired property" means tangible property, other than "your
                                                                                   product" or "your work", that cannot be used or is less useful
     If we decide not to renew this Coverage Part, we will mail or                 because:
     deliver to the first Named Insured shown in the Declarations
     written notice of the nonrenewal not less than 30 days before                  a. It incorporates "your product" or "your work" that is known
     the expiration date.                                                               or thought to be defective, deficient, inadequate or
                                                                                        dangerous; or
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     b. You have failed to fulfill the terms of a contract or                     c. While it is being moved from an aircraft, watercraft or
         agreement;                                                                   "auto" to the place where it is finally delivered;
    if such property can be restored to use by the repair,                       but "loading or unloading" does not include the movement of
    replacement, adjustment or removal of "your product" or "your                property by means of a mechanical device, other than a hand
    work" or your fulfilling the terms of the contract or agreement.             truck, that is not attached to the aircraft, watercraft or "auto".
9. "Insured contract" means:                                                 12. "Mobile equipment" means any of the following types of land
     a. A contract for a lease of premises. However, that portion                vehicles, including any attached machinery or equipment:
         of the contract for a lease of premises that indemnifies                 a. Bulldozers, farm machinery, forklifts and other vehicles
         any person or organization for damage by fire to premises                    designed for use principally off public roads;
         while rented to you or temporarily occupied by you with                  b. Vehicles maintained for use solely on or next to premises
         permission of the owner is not an "insured contract";                        you own or rent;
     b. A sidetrack agreement;                                                    c. Vehicles that travel on crawler treads;
     c. Any easement or license agreement, except in connection                   d. Vehicles, whether self-propelled or not, maintained
         with construction or demolition operations on or within 50                   primarily to provide mobility to permanently mounted:
         feet of a railroad;
                                                                                      (1) Power cranes, shovels, loaders, diggers or drills; or
     d. An obligation, as required by ordinance, to indemnify a
         municipality, except in connection with work for a                           (2) Road construction or resurfacing equipment such as
         municipality;                                                                      graders, scrapers or rollers;
     e. An elevator maintenance agreement;                                        e. Vehicles not described in Paragraph a., b., c. or d. above
                                                                                      that are not self-propelled and are maintained primarily to
      f. That part of any other contract or agreement pertaining to                   provide mobility to permanently attached equipment of the
         your business (including an indemnification of a                             following types:
         municipality in connection with work performed for a
         municipality) under which you assume the tort liability of                   (1) Air compressors, pumps and generators, including
         another party to pay for "bodily injury" or "property                              spraying, welding, building cleaning, geophysical
         damage" to a third person or organization. Tort liability                          exploration, lighting and well servicing equipment; or
         means a liability that would be imposed by law in the                        (2) Cherry pickers and similar devices used to raise or
         absence of any contract or agreement.                                              lower workers;
         Paragraph f. does not include that part of any contract or                f. Vehicles not described in Paragraph a., b., c. or d. above
         agreement:                                                                   maintained primarily for purposes other than the
         (1) That indemnifies a railroad for "bodily injury" or                       transportation of persons or cargo.
              "property damage" arising out of construction or                        However, self-propelled vehicles with the following types
              demolition operations, within 50 feet of any railroad                   of permanently attached equipment are not "mobile
              property and affecting any railroad bridge or trestle,                  equipment" but will be considered "autos":
              tracks, road-beds, tunnel, underpass or crossing;                       (1) Equipment designed primarily for:
         (2) That indemnifies an architect, engineer or surveyor for                       (a) Snow removal;
              injury or damage arising out of:                                             (b) Road maintenance, but not construction or
             (a) Preparing, approving, or failing to prepare or                                 resurfacing; or
                   approve, maps, shop drawings, opinions, reports,                        (c) Street cleaning;
                   surveys, field orders, change orders or drawings
                   and specifications; or                                             (2) Cherry pickers and similar devices mounted on
                                                                                            automobile or truck chassis and used to raise or lower
             (b) Giving directions or instructions, or failing to give                      workers; and
                   them, if that is the primary cause of the injury or
                   damage; or                                                         (3) Air compressors, pumps and generators, including
                                                                                            spraying, welding, building cleaning, geophysical
         (3) Under which the insured, if an architect, engineer or                          exploration, lighting and well servicing equipment.
              surveyor, assumes liability for an injury or damage
              arising out of the insured’s rendering or failure to               However, "mobile equipment" does not include any land
              render professional services, including those listed in            vehicles that are subject to a compulsory or financial
              (2) above and supervisory, inspection, architectural or            responsibility law or other motor vehicle insurance law in the
              engineering activities.                                            state where it is licensed or principally garaged. Land vehicles
                                                                                 subject to a compulsory or financial responsibility law or other
10. "Leased worker" means a person leased to you by a labor                      motor vehicle insurance law are considered "autos".
    leasing firm under an agreement between you and the labor
    leasing firm, to perform duties related to the conduct of your           13. "Occurrence" means an accident, including continuous or
    business. "Leased worker" does not include a "temporary                      repeated exposure to substantially the same general harmful
    worker".                                                                     conditions.
11. "Loading or unloading" means the handling of property:                   14. "Personal and advertising injury" means injury, including
                                                                                 consequential "bodily injury", arising out of one or more of the
     a. After it is moved from the place where it is accepted for                following offenses:
         movement into or onto an aircraft, watercraft or "auto";
                                                                                  a. False arrest, detention or imprisonment;
     b. While it is in or on an aircraft, watercraft or "auto"; or
                                                                                  b. Malicious prosecution;

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     c. The wrongful eviction from, wrongful entry into, or invasion               For the purposes of this insurance, electronic data is not
        of the right of private occupancy of a room, dwelling or                   tangible property.
        premises that a person occupies, committed by or on                        As used in this definition, electronic data means information,
        behalf of its owner, landlord or lessor;                                   facts or programs stored as or on, created or used on, or
     d. Oral or written publication, in any manner, of material that               transmitted to or from computer software, including systems
        slanders or libels a person or organization or disparages a                and applications software, hard or floppy disks, CD-ROMS,
        person’s or organization’s goods, products or services;                    tapes, drives, cells, data processing devices or any other
     e. Oral or written publication, in any manner, of material that               media which are used with electronically controlled equipment.
        violates a person’s right of privacy;                                18.   "Suit" means a civil proceeding in which damages because of
     f. The use of another’s advertising idea in your                              "bodily injury", "property damage" or "personal and advertising
        "advertisement"; or                                                        injury" to which this insurance applies are alleged. "Suit"
                                                                                   includes:
     g. Infringing upon another’s copyright, trade dress or slogan
        in your "advertisement".                                                    a. An arbitration proceeding in which such damages are
                                                                                        claimed and to which the insured must submit or does
15. "Pollutants" mean any solid, liquid, gaseous or thermal irritant                    submit with our consent; or
    or contaminant, including smoke, vapor, soot, fumes, acids,
    alkalis, chemicals and waste. Waste includes materials to be                    b. Any other alternative dispute resolution proceeding in
    recycled, reconditioned or reclaimed.                                               which such damages are claimed and to which the insured
                                                                                        submits with our consent.
16. "Products-completed operations hazard":
                                                                             19.   "Temporary worker" means a person who is furnished to you
     a. Includes all "bodily injury" and "property damage"                         to substitute for a permanent "employee" on leave or to meet
        occurring away from premises you own or rent and arising                   seasonal or short-term workload conditions.
        out of "your product" or "your work" except:
                                                                             20.   "Volunteer worker" means a person who is not your
        (1) Products that are still in your physical possession; or                "employee", and who donates his or her work and acts at the
        (2) Work that has not yet been completed or abandoned.                     direction of and within the scope of duties determined by you,
              However, "your work" will be deemed completed at                     and is not paid a fee, salary or other compensation by you or
              the earliest of the following times:                                 anyone else for their work performed for you.
             (a) When all of the work called for in your contract            21.   "Your product":
                   has been completed.                                              a. Means:
             (b) When all of the work to be done at the job site has                   (1) Any goods or products, other than real property,
                   been completed if your contract calls for work at                         manufactured, sold, handled, distributed or disposed
                   more than one job site.                                                   of by:
             (c) When that part of the work done at a job site has                          (a) You;
                   been put to its intended use by any person or
                   organization other than another contractor or                            (b) Others trading under your name; or
                   subcontractor working on the same project.                               (c) A person or organization whose business or
              Work that may need service, maintenance, correction,                                assets you have acquired; and
              repair or replacement, but which is otherwise                            (2) Containers (other than vehicles), materials, parts or
              complete, will be treated as completed.                                        equipment furnished in connection with such goods or
     b. Does not include "bodily injury" or "property damage"                                products.
        arising out of:                                                             b. Includes:
        (1) The transportation of property, unless the injury or                       (1) Warranties or representations made at any time with
              damage arises out of a condition in or on a vehicle not                        respect to the fitness, quality, durability, performance
              owned or operated by you, and that condition was                               or use of "your product"; and
              created by the "loading or unloading" of that vehicle by                 (2) The providing of or failure to provide warnings or
              any insured;                                                                   instructions.
        (2) The existence of tools, uninstalled equipment or                        c. Does not include vending machines or other property
              abandoned or unused materials; or                                         rented to or located for the use of others but not sold.
        (3) Products or operations for which the classification,             22.   "Your work":
              listed in the Declarations or in a policy schedule,
              states that products-completed operations are subject                 a. Means:
              to the General Aggregate Limit.                                          (1) Work or operations performed by you or on your
17. "Property damage" means:                                                                 behalf; and
     a. Physical injury to tangible property, including all resulting                  (2) Materials, parts or equipment furnished in connection
        loss of use of that property. All such loss of use shall be                          with such work or operations.
        deemed to occur at the time of the physical injury that                     b. Includes:
        caused it; or                                                                  (1) Warranties or representations made at any time with
     b. Loss of use of tangible property that is not physically                              respect to the fitness, quality, durability, performance
        injured. All such loss of use shall be deemed to occur at                            or use of "your work", and
        the time of the "occurrence" that caused it.                                   (2) The providing of or failure to provide warnings or
                                                                                             instructions.
                                                                                                                                        Page 11 of 11
CG 00 01 12 07                                                  ISO Properties, Inc., 2006                                            Stock No. 11517
    260                                                                                           46 X07816-02              001 DAB


                                                                                                   COMMERCIAL GENERAL LIABILITY
                                                                                                                  CG 01 97 12 07

                          THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                       WASHINGTON CHANGES EMPLOYMENT-RELATED PRACTICES EXCLUSION


This endorsement modifies insurance provided under the following:
    COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. The following exclusion is added to Paragraph 2., Exclusions of Coverage A Bodily Injury And Property Damage Liability
   (Section I Coverages):
   This insurance does not apply to:
   "Bodily injury" to:
    1. A person arising out of any:
        a. Refusal to employ that person;
        b. Termination of that person’s employment; or
        c. Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline,
            defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person; or
    2. The spouse, child, parent, brother or sister of that person as a consequence of "bodily injury" to that person at whom any of the
        employment-related practices described in Paragraphs a., b. and c. above is directed.
   This exclusion applies:
    1. Whether the injury-causing event described in Paragraphs a., b. or c. above occurs before employment, during employment or after
        employment of that person;
    2. Whether the insured may be liable as an employer or in any other capacity; and
    3. To any obligation to share damages with or repay someone else who must pay damages because of the injury.
   However, Paragraphs 1.a. and 2. of this exclusion do not apply if such "bodily injury" is sustained by any "employee" of the insured
   whose employment is subject to the Industrial Insurance Act of Washington (Washington Revised Code Title 51).
B. The following exclusion is added to Paragraph 2., Exclusions of Coverage B Personal And Advertising Injury Liability (Section I
     Coverages):
   This insurance does not apply to:
   "Personal and advertising injury" to:
    1. A person arising out of any:
        a. Refusal to employ that person;
        b. Termination of that person’s employment; or
        c. Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline,
            defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person; or
    2. The spouse, child, parent, brother or sister of that person as a consequence of "personal and advertising injury" to that person at
        whom any of the employment-related practices described in Paragraphs a., b. and c. above is directed.
   This exclusion applies:
    1. Whether the injury-causing event described in Paragraphs a., b. or c. above occurs before employment, during employment or after
        employment of that person;
    2. Whether the insured may be liable as an employer or in any other capacity; and
    3. To any obligation to share damages with or repay someone else who must pay damages because of the injury.
   However, Paragraphs 1.a. and 2. of this exclusion do not apply if such "personal and advertising injury" is sustained by any "employee"
   of the insured whose employment is subject to the Industrial Insurance Act of Washington (Washington Revised Code Title 51).




CG 01 97 12 07                                               ISO Properties, Inc., 2006                                     Stock No. 25673
    260                                                                                                  46 X07816-02            001 DAB


                                                                                                         COMMERCIAL GENERAL LIABILITY
                                                                                                                        CG 77 04 07 10

                            THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                      LEAD LIABILITY EXCLUSION


This endorsement modifies insurance provided under the following:
    COMMERCIAL GENERAL LIABILITY COVERAGE PART.
"We" do not pay for:
1. actual or alleged "bodily injury" arising out of the ingestion, inhalation or absorption of lead in any form;
2. actual or alleged "property damage" arising out of the presence of lead in any form. "Property damage" also includes any claim for the
    reduction in the value of real estate or personal property due to its contamination with lead in any form.
3. actual or alleged "personal and advertising injury", if provided by Coverage B. Personal and Advertising Injury Liability, arising out of
    the presence of lead in any form.
4. any loss, cost or expense arising out of any request, demand or order that any insured or others test for, monitor, clean up, remove,
    contain, treat, detoxify or neutralize or in any way respond to or assess the effects of lead.
5. any loss, cost or expense arising out of any claim or suit by or on behalf of any governmental authority or any other responsible party
    or entity for damages resulting from testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing or in
    any way responding to lead or assessing the presence or effects of lead.
6. Any supervision, instructions, recommendations, warnings or advice given or which should have been given in connection with any of
    the above.
7. Any obligation to share damages to repay someone in connection with any of the above.

All other terms remain unchanged.




                                                           Includes copyrighted material of ISO
CG 77 04 07 10                                        Copyright, Insurance Services Office, Inc., 2010                           Stock No. 04076
     260                                                                                               46 X07816-02                001 DAB


                                                                                                                                 IL 01 98 07 02

                           THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                  NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT
                                                              (Broad Form)


This endorsement modifies insurance provided under the following:
    COMMERCIAL AUTOMOBILE COVERAGE PART
    COMMERCIAL GENERAL LIABILITY COVERAGE PART
    COMMERCIAL LIABILITY UMBRELLA COVERAGE PART
    FARM COVERAGE PART
    FARM UMBRELLA LIABILITY POLICY
    LIQUOR LIABILITY COVERAGE PART
    OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART
    POLLUTION LIABILITY COVERAGE PART
    PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART
    PROFESSIONAL LIABILITY COVERAGE PART
    RAILROAD PROTECTIVE LIABILITY COVERAGE PART
    UNDERGROUND STORAGE TANK POLICY
1. The insurance does not apply:                                                    (3) The "bodily injury" or "property damage" arises out of
   A. Under any Liability Coverage, to "bodily injury" or "property                     the furnishing by an "insured" of services, materials,
      damage":                                                                          parts or equipment in connection with the planning,
                                                                                        construction, maintenance, operation or use of any
      (1) With respect to which an "insured" under the policy is                        "nuclear facility", but if such facility is located within
           also an insured under a nuclear energy liability policy                      the United States of America, its territories or
           issued by Nuclear Energy Liability Insurance                                 possessions or Canada, this Exclusion (3) applies only
           Association, Mutual Atomic Energy Liability                                  to "property damage" to such "nuclear facility" and any
           Underwriters, Nuclear Insurance Association of                               property thereat.
           Canada or any of their successors, or would be an
           insured under any such policy but for its termination           2. As used in this endorsement:
           upon exhaustion of its limit of liability; or                       "Hazardous properties" includes radioactive, toxic or explosive
      (2) Resulting from the "hazardous properties" of "nuclear                properties;
           material" and with respect to which (a) any person or               "Nuclear material" means "source material", "Special nuclear
           organization is required to maintain financial                      material" or "by-product material";
           protection pursuant to the Atomic Energy Act of 1954,               "Source material", "special nuclear material", and "by-product
           or any law amendatory thereof, or (b) the "insured" is,             material" have the meanings given them in the Atomic Energy
           or had this policy not been issued would be, entitled to            Act of 1954 or in any law amendatory thereof;
           indemnity from the United States of America, or any
           agency thereof, under any agreement entered into by                 "Spent fuel" means any fuel element or fuel component, solid
           the United States of America, or any agency thereof,                or liquid, which has been used or exposed to radiation in a
           with any person or organization.                                    "nuclear reactor";
   B. Under any Medical Payments coverage, to expenses                    "Waste" means any waste material (a) containing "by-product
      incurred with respect to "bodily injury" resulting from the         material" other than the tailings or wastes produced by the
      "hazardous properties" of "nuclear material" and arising            extraction or concentration of uranium or thorium from any ore
      out of the operation of a "nuclear facility" by any person or       processed primarily for its "source material" content, and (b)
      organization.                                                       resulting from the operation by any person or organization of any
                                                                          "nuclear facility" included under the first two paragraphs of the
   C. Under any Liability Coverage, to "bodily injury" or "property       definition of "nuclear facility."
      damage" resulting from "hazardous properties" of "nuclear
      material", if:                                                      "Nuclear facility" means:
      (1) The "nuclear material" (a) is at any "nuclear facility"             (a) Any "nuclear reactor";
           owned by, or operated by or on behalf of, an "insured"             (b) Any equipment or device designed or used for (1)
           or (b) has been discharged or dispersed therefrom;                       separating the isotopes of uranium or plutonium, (2)
      (2) The "nuclear material" is contained in "spent fuel" or                    processing or utilizing "spent fuel", or (3) handling,
           "waste" at any time possessed, handled, used,                            processing or packaging "waste";
           processed, stored, transported or disposed of, by or
           on behalf of an "insured"; or



                                                                                                                                       Page 1 of 2
IL 01 98 07 02                                               ISO Properties, Inc., 2001                                           Stock No. 25675
     260                                                                                                 46 X07816-02              001 DAB


    (c) Any equipment or device used for the processing,                      and includes the site on which any of the foregoing is located, all
        fabricating or alloying of "special nuclear material" if at any       operations conducted on such site and all premises used for such
        time the total amount of such material in the custody of              operations;
        the "insured" at the premises where such equipment or                 "Nuclear reactor" means any apparatus designed or used to
        device is located consists of or contains more than 25                sustain nuclear fission in a self-supporting chain reaction or to
        grams of plutonium or uranium 233 or any combination                  contain a critical mass of fissionable material;
        thereof, or more than 250 grams of uranium 235;
                                                                              "Property damage" includes all forms of radioactive contamination
    (d) Any structure, basin, excavation, premises or place                   of property.
        prepared or used for the storage or disposal of "waste";




                                                                                                                                       Page 2 of 2
IL 01 98 07 02                                                   ISO Properties, Inc., 2001                                       Stock No. 25675
    260                                                                                            46 X07816-02     001 DAB




                               THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                    PUNITIVE DAMAGE EXCLUSION


This endorsement modifies insurance provided under the following:

    BUSINESS AUTO COVERAGE FORM
    COMMERCIAL GARAGE COVERAGE PART (AUTO)
    COMMERCIAL GENERAL LIABILITY COVERAGE PART
    OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART
    PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART
The insurance afforded by this policy does not apply to any claim or judgement for punitive or exemplary damages.




All other terms, agreements, conditions, and provisions remain unchanged.




IL 75 02 06 99                                                                                                       Stock No. 02524
    260                                                                                              46 X07816-02              001 DAB

                                                                                         COMMERCIAL GENERAL LIABILITY
                                                                                                       CG 21 60 09 98
                            THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                  EXCLUSION - YEAR 2000 COMPUTER-RELATED AND OTHER ELECTRONIC PROBLEMS


This endorsement modifies insurance provided under the following:

  COMMERCIAL GENERAL LIABILITY COVERAGE PART

The following exclusion is added to Paragraph 2., Exclusions of Section I - Coverage A - Bodily Injury And Property Damage Liability
and Paragraph 2., Exclusions of Section l - Coverage B - Personal And Advertising Injury Liability:

2. Exclusions
   This insurance does not apply to "bodily injury", "property damage", "personal injury" or "advertising injury" (or "personal and
   advertising injury" if defined as such in your policy) arising directly or indirectly out of:
   a. Any actual or alleged failure, malfunction or inadequacy of:
       (1) Any of the following, whether belonging to any insured or to others:
          (a)    Computer hardware, including microprocessors;
          (b)    Computer application software;
          (c)    Computer operating systems and related software;
          (d)    Computer networks;
          (e)    Microprocessors (computer chips) not part of any computer system; or
          (f)    Any other computerized or electronic equipment or components; or
       (2) Any other products, and any services, data or functions that directly or indirectly use or rely upon, in any manner, any of the
           items listed in Paragraph 2.a.(1) of this endorsement
        due to the inability to correctly recognize, process, distinguish, interpret or accept the year 2000 and beyond.
   b. Any advice, consultation, design, evaluation, inspection, installation, maintenance, repair, replacement or supervision
      provided or done by you or for you to determine, rectify or test for, any potential or actual problems described in
      Paragraph 2.a. of this endorsement.




CG 21 60 09 98                                    Copyright, Insurance Services Office, Inc., 1998                                Stock No. 04495
     260                                                                                             46 X07816-02              001 DAB


POLICY NUMBER: 46 X07816-02                                                                                                   IL 09 85 01 08


     THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE
 REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR
                 CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY.
                               DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT


                                                                SCHEDULE

   Terrorism Premium (Certified Acts) $

   This premium is the total Certified Acts premium attributable to the following Coverage Part(s), Coverage Form(s) and/or
   Policy(s):



   Additional information, if any, concerning the terrorism premium:



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

A. Disclosure Of Premium
   In accordance with the federal Terrorism Risk Insurance Act, we are required to provide you with a notice disclosing the portion of your
   premium, if any, attributable to coverage for terrorist acts certified under the Terrorism Risk Insurance Act. The portion of your premium
   attributable to such coverage is shown in the Schedule of this endorsement or in the policy Declarations.
B. Disclosure Of Federal Participation In Payment Of Terrorism Losses
   The United States Government, Department of the Treasury, will pay a share of terrorism losses insured under the federal program.
   The federal share equals 85% of that portion of the amount of such insured losses that exceeds the applicable insurer retention.
   However, if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in
   a Program Year (January 1 through December 31), the Treasury shall not make any payment for any portion of the amount of such
   losses that exceeds $100 billion.
C. Cap On Insurer Participation In Payment Of Terrorism Losses
   If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a
   Program Year (January 1 through December 31) and we have met our insurer deductible under the Terrorism Risk Insurance Act, we
   shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured
   losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury.




IL 09 85 01 08                                                ISO Properties, Inc., 2007                                       Stock No. 22390
    260                                                                                                46 X07816-02               001 DAB


                                                                                                        COMMERCIAL GENERAL LIABILITY
                                                                                                                       CG 26 77 12 04

                            THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                         WASHINGTON FUNGI OR BACTERIA EXCLUSION


This endorsement modifies insurance provided under the following:
    COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. The following exclusion is added to Paragraph 2., Exclusions of Section I Coverage A Bodily Injury And Property Damage
   Liability:
    2. Exclusions
       This insurance does not apply to:
       Fungi Or Bacteria
        a. "Bodily injury" or "property damage" which would not have occurred, in whole or in part, but for the actual, alleged or threatened
            inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any "fungi" or bacteria on or within a building
            or structure, including its contents.
        b. Any loss, cost or expenses arising out of the abating, testing for, monitoring, cleaning up, removing, containing, treating,
            detoxifying, neutralizing, remediating or disposing of, or in any way responding to, or assessing the effects of, "fungi" or
            bacteria, by any insured or by any other person or entity.
       This exclusion does not apply to any "fungi" or bacteria that are, are on, or are contained in, a good or product intended for bodily
       consumption.
B. The following exclusion is added to Paragraph 2., Exclusions of Section I Coverage B Personal And Advertising Injury
   Liability:
    2. Exclusions
       This insurance does not apply to:
       Fungi Or Bacteria
        a. "Personal and advertising injury" which would not have taken place, in whole or in part, but for the actual, alleged or threatened
            inhalation of, ingestion of, contact with, exposure to, existence of, or presence of any "fungi" or bacteria on or within a building
            or structure, including its contents.
        b. Any loss, cost or expense arising out of the abating, testing for, monitoring, cleaning up, removing, containing, treating,
            detoxifying, neutralizing, remediating or disposing of, or in any way responding to, or assessing the effects of, "fungi" or
            bacteria, by any insured or by any other person or entity.
C. The following definition is added to the Definitions Section:
   "Fungi" means any type or form of fungus, including mold or mildew and any mycotoxins, spores, scents or byproducts produced or
   released by fungi.




CG 26 77 12 04                                                  ISO Properties, Inc., 2003                                        Stock No. 25687
    260                                                                                              46 X07816-02              001 DAB


                                                                                                       COMMERCIAL GENERAL LIABILITY
                                                                                                                      CG 77 14 01 06


                           THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                        ASBESTOS EXCLUSION


This endorsement modifies insurance provided under the following:
     COMMERCIAL GENERAL LIABILITY COVERAGE PART
     PRODUCTS/COMPLETED OPERATIONS COVERAGE PART
This insurance does not apply to:
     1. Any "bodily injury" arising out of, resulting from, caused by, or contributed to in whole or in part by ingestion, inhalation or
          absorption of asbestos, exposure to asbestos, or the use of asbestos.
     2. Any "property damage" arising out of, resulting from, caused by, or contributed to in whole or in part by asbestos, exposure to
          asbestos or the use of asbestos. "Property damage" also includes any claim for reduction in the value of real estate or personal
          property due to its contamination with asbestos in any form at any time.
     3. Any "personal and advertising injury" arising out of, resulting from, caused by, or contributed to in whole or in part by ingestion,
          inhalation or absorption of asbestos, exposure to asbestos, or the use of asbestos.
     4. Any loss, cost, or expense arising out of or in any way related to any request, demand, order, or statutory or regulatory
          requirement that any insured or others identify, sample, test for, detect, monitor, clean up, remove, contain, treat, detoxify,
          neutralize, abate, dispose of, mitigate, destroy, or any way respond to or assess the presence of, or the effects of, asbestos.
     5. Any loss, cost, or expense arising out of any claim or suit by or on behalf of any governmental authority or any other responsible
          party or entity for damages resulting from identifying, sampling, testing for, detecting, monitoring, cleaning up, removing,
          containing, treating, detoxifying, neutralizing, abating, disposing of, mitigating, destroying, or in any way responding to asbestos
          or assessing the presence of, or effects of, asbestos.
     6. Failure to detect the presence of or proportion of asbestos in a product, material, structure, or process.
     7. The performance or failure to perform services of any kind in the identification, sampling, testing, detection, monitoring, cleaning
          up, removal, containment, treatment, detoxification, neutralization, abatement, disposal, mitigation, or destruction of a product,
          material, or process containing asbestos, whether by the "insured" or by anyone acting on the "insured’s" behalf.
     8. Any supervision, instructions, recommendations, warnings or advice given or which should have been given in connection with
          any of the subsections above.
     9. Any obligation to share damages or repay someone in connection with any of the subsections above.




CG 77 14 01 06                                                                                                                 Stock No. 20228
    260                                                                                              46 X07816-02              001 DAB


                                                                                                      COMMERCIAL GENERAL LIABILITY
                                                                                                                     CG 21 96 03 05

                           THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

                                          SILICA OR SILICA-RELATED DUST EXCLUSION


This endorsement modifies insurance provided under the following:
    COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. The following exclusion is added to Paragraph 2., Exclusions of Section I Coverage A Bodily Injury And Property Damage
   Liability:
   2. Exclusions
       This insurance does not apply to:
       Silica Or Silica-Related Dust
        a. "Bodily injury" arising, in whole or in part, out of the actual, alleged, threatened or suspected inhalation of, or ingestion of,
            "silica" or "silica-related dust".
       b. "Property damage" arising, in whole or in part, out of the actual, alleged, threatened or suspected contact with, exposure to,
            existence of, or presence of, "silica" or "silica-related dust".
        c. Any loss, cost or expense arising, in whole or in part, out of the abating, testing for, monitoring, cleaning up, removing,
            containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to or assessing the effects
            of, "silica" or "silica-related dust", by any insured or by any other person or entity.
B. The following exclusion is added to Paragraph 2., Exclusions of Section I Coverage B Personal And Advertising Injury
   Liability:
   2. Exclusions
       This insurance does not apply to:
       Silica Or Silica-Related Dust
        a. "Personal and advertising injury" arising, in whole or in part, out of the actual, alleged, threatened or suspected inhalation of,
            ingestion of, contact with, exposure to, existence of, or presence of, "silica" or "silica-related dust".
       b. Any loss, cost or expense arising, in whole or in part, out of the abating, testing for, monitoring, cleaning up, removing,
            containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to or assessing the effects
            of, "silica" or "silica-related dust", by any insured or by any other person or entity.
C. The following definitions are added to the Definitions Section:
   1. "Silica" means silicon dioxide (occurring in crystalline, amorphous and impure forms), silica particles, silica dust or silica
       compounds.
   2. "Silica-related dust" means a mixture or combination of silica and other dust or particles.




CG 21 96 03 05                                                ISO Properties, Inc., 2004                                       Stock No. 24916
    260                                                                                                46 X07816-02              001 DAB

                                                                                                                COMMERCIAL GENERAL LIABILITY
                                                                                                                              CG 74 02 10 97

                               THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                 DAMAGE TO PERSONAL PROPERTY OF OTHERS ENDORSEMENT

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

                                                                SCHEDULE

                 COVERAGE                               LIMITS OF INSURANCE                                         DEDUCTIBLE
Personal Property of others in the
care, custody or control of the                         $ 5,000       Each Occurrence                            $ 250 Each Claim
insured.                                                $ 25,000      Aggregate


A. The exclusion in subparagraph J.(4) of Paragraph 2. in                               property in the care, custody or control of the insured
   exclusions of Section I (COVERAGE A) of the COMMERCIAL                               applies only to the amount of damages in excess of the
   GENERAL LIABILITY COVERAGE FORM is deleted. When this                                deductible amount, stated in the SCHEDULE above. The
   endorsement is attached to the COMMERCIAL GENERAL                                    limits of insurance applicable to Each Claim will be
   LIABILITY COVERAGE FORM, coverage for personal property of                           reduced by the deductible amount.
   others in the care, custody and control of the insured applies.
   This endorsement does not provide any coverage for real                        2. The terms of this insurance including those with
   property.                                                                         respect to:
                                                                                     a. Our right and duty to defend any "suits" seeking
   The personal property coverages available with this                                   those damages; and
   endorsement do not include coverage for:
                                                                                     b. Your duties in the event of an "occurrence."
       1. "Property damage" to property held by you for
          servicing, repair, storage or sale at premises owned,                         Apply irrespective of the application of the deductible
          rented, leased, operated or used by you;                                      amount.
       2. Damage to property while in transit.                                    3. We may pay any part or all of the deductible amount to
                                                                                     effect settlement of any claim or "suit" and, upon
B. Following are two changes/additions to the SECTION III -                          notification of the action taken, you shall promptly
   LIMITS OF INSURANCE in the COMMERCIAL GENERAL                                     reimburse us for such part of the deductible amount
   LIABILITY COVERAGE FORM:                                                          that has been paid by us.
        8. Subject to paragraph 2. in SECTION III - LIMITS OF                 D. Other Insurance - For coverage provided by this
           INSURANCE section of the COVERAGE FORM, the                           endorsement, CONDITION 4. is deleted and replaced by the
           most we will pay because of all "property damage" to                  following.
           personal property in the care, custody or control of the
           insured is the Aggregate amount shown in the                           If other valid and collectible insurance is available to the
           SCHEDULE above.                                                        insured for a loss we cover under this endorsement, then
                                                                                  the insurance provided by this endorsement is excess. We
       9. "Subject to paragraphs 5. and 8. in Section III -                       will pay only our share of the amount of the loss, if any,
          LIMITS OF INSURANCE section of the COVERAGE                             that exceeds the sum of:
          FORM, the most we will pay because of all property
                                                                                  1. The total amount that all such other insurance, would
          damage to personal property in the care, custody or
                                                                                       pay for the loss in the absence of this insurance; and
          control of the insured arising out of any one occurrence
          is the occurrence amount shown in the SCHEDULE                          2. The total of all deductible and self-insured amounts
          above.                                                                     under all that other insurance.
C. DEDUCTIBLE
      1. Our obligation under this endorsement to pay damages
         on your behalf for property damage to personal                   All other terms remain unchanged.




CG 74 02 10 97                                                                                                                      Stock No. 02243
    260                                                                                                    46 X07816-02               001 DAB


                                                                                                             COMMERCIAL GENERAL LIABILITY
                                                                                                                            CG 21 75 06 08

                            THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                             EXCLUSION OF CERTIFIED ACTS OF TERRORISM AND EXCLUSION
                         OF OTHER ACTS OF TERRORISM COMMITTED OUTSIDE THE UNITED STATES


This endorsement modifies insurance provided under the following:
    COMMERCIAL GENERAL LIABILITY COVERAGE PART
    LIQUOR LIABILITY COVERAGE PART
    OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART
    POLLUTION LIABILITY COVERAGE PART
    PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART
    RAILROAD PROTECTIVE LIABILITY COVERAGE PART
    UNDERGROUND STORAGE TANK POLICY
A. The following exclusion is added:                                               With respect to this exclusion, Paragraphs 1. and 2. describe
   This insurance does not apply to:                                               the thresholds used to measure the magnitude of an incident
                                                                                   of an "other act of terrorism" and the circumstances in which
   TERRORISM                                                                       the threshold will apply for the purpose of determining whether
   "Any injury or damage" arising, directly or indirectly, out of a                this exclusion will apply to that incident.
   "certified act of terrorism", or out of an "other act of terrorism"          B. The following definitions are added:
   that is committed outside of the United States (including its
   territories and possessions and Puerto Rico), but within the                     1. For the purposes of this endorsement, "any injury or
   "coverage territory". However, with respect to an "other act of                      damage" means any injury or damage covered under any
   terrorism", this exclusion applies only when one or more of the                      Coverage Part to which this endorsement is applicable,
   following are attributed to such act:                                                and includes but is not limited to "bodily injury", "property
                                                                                        damage", "personal and advertising injury", "injury" or
    1. The total of insured damage to all types of property                             "environmental damage" as may be defined in any
        exceeds $25,000,000 (valued in US dollars). In                                  applicable Coverage Part.
        determining whether the $25,000,000 threshold is
        exceeded, we will include all insured damage sustained by                   2. "Certified act of terrorism" means an act that is certified by
        property of all persons and entities affected by the                            the Secretary of the Treasury, in concurrence with the
        terrorism and business interruption losses sustained by                         Secretary of State and the Attorney General of the United
        owners or occupants of the damaged property. For the                            States, to be an act of terrorism pursuant to the federal
        purpose of this provision, insured damage means damage                          Terrorism Risk Insurance Act. The criteria contained in the
        that is covered by any insurance plus damage that would                         Terrorism Risk Insurance Act for a "certified act of
        be covered by any insurance but for the application of any                      terrorism" include the following:
        terrorism exclusions; or                                                         a. The act resulted in insured losses in excess of $5
    2. Fifty or more persons sustain death or serious physical                               million in the aggregate, attributable to all types of
        injury. For the purposes of this provision, serious physical                         insurance subject to the Terrorism Risk Insurance Act;
        injury means:                                                                    b. The act resulted in damage:
         a. Physical injury that involves a substantial risk of                             (1) Within the United States (including its territories
             death; or                                                                            and possessions and Puerto Rico); or
         b. Protracted and obvious physical disfigurement; or                               (2) Outside of the United States in the case of:
         c. Protracted loss of or impairment of the function of a                                 (a) An air carrier (as defined in Section 40102 of
             bodily member or organ; or                                                               title 49, United States Code) or United States
    3. The terrorism involves the use, release or escape of                                           flag vessel (or a vessel based principally in
        nuclear materials, or directly or indirectly results in nuclear                               the United States, on which United States
        reaction or radiation or radioactive contamination; or                                        income tax is paid and whose insurance
                                                                                                      coverage is subject to regulation in the United
    4. The terrorism is carried out by means of the dispersal or                                      States), regardless of where the loss occurs;
        application of pathogenic or poisonous biological or                                          or
        chemical materials; or
                                                                                                  (b) The premises of any United States mission;
    5. Pathogenic or poisonous biological or chemical materials                                       and
        are released, and it appears that one purpose of the
        terrorism was to release such materials.




                                                                                                                                           Page 1 of 2
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    260                                                                                                46 X07816-02               001 DAB


         c. The act is a violent act or an act that is dangerous to                 Multiple incidents of an "other act of terrorism" which
            human life, property or infrastructure and is committed                 occur within a seventy-two hour period and appear to be
            by an individual or individuals as part of an effort to                 carried out in concert or to have a related purpose or
            coerce the civilian population of the United States or                  common leadership shall be considered to be one
            to influence the policy or affect the conduct of the                    incident.
            United States Government by coercion.                           C. In the event of any incident of a "certified act of terrorism" or
     3. "Other act of terrorism" means a violent act or an act that            an "other act of terrorism" that is not subject to this exclusion,
        is dangerous to human life, property or infrastructure that            coverage does not apply to any loss or damage that is
        is committed by an individual or individuals and that                  otherwise excluded under this Coverage Part.
        appears to be part of an effort to coerce a civilian
        population or to influence the policy or affect the conduct
        of any government by coercion, and the act is not a
        "certified act of terrorism".




                                                                                                                                       Page 2 of 2
CG 21 75 06 08                                           Insurance Services Office, Inc., 2008                                    Stock No. 29260
    260                                                                                                  46 X07816-02             001 DAB

POLICY NUMBER: 46 X07816-02                                                                                  COMMERCIAL GENERAL LIABILITY
                                                                                                                           CG 03 00 01 96
                                    THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                   DEDUCTIBLE LIABILITY INSURANCE

This endorsement modifies insurance provided under the following:
    COMMERCIAL GENERAL LIABILITY COVERAGE PART
    PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

                                                                   SCHEDULE
          Coverage                                                                                   Amount and Basis of Deductible
                                                                                                      PER CLAIM    or   PER OCCURRENCE
          Bodily Injury Liability                                                                    $                    $
                  OR

          Property Damage Liability                                                                  $      500           $
                  OR

          Bodily Injury Liability and/or Property Damage Liability Combined                          $                    $

   (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this
   endorsement.)
   APPLICATION OF ENDORSEMENT (Enter below any limitations on the application of this endorsement. If no limitation is entered, the
   deductibles apply to damages for all "bodily injury" and "property damage", however caused):-

                            DOES NOT APPLY TO "PROPERTY DAMAGE" COVERED UNDER
                            ENDORSEMENT CG 74 02




A. Our obligation under the Bodily Injury Liability and Property                      deductible amount will be applied to each person making a
   Damage Liability Coverages to pay damages on your behalf                           claim for such damages.
   applies only to the amount of damages in excess of any                             With respect to "property damage", person includes an
   deductible amounts stated in the Schedule above as applicable                      organization.
   to such coverages.
B. You may select a deductible amount on either a per claim or a                  2. PER OCCURRENCE BASIS. If the deductible amount
   per "occurrence" basis. Your selected deductible applies to the                   indicated in the Schedule above is on a "per occurrence"
   coverage option and to the basis of the deductible indicated by                   basis, that deductible amount applies as follows:
   the placement of the deductible amount in the Schedule above.                     a. Under Bodily Injury Liability Coverage, to all damages
   The deductible amount stated in the Schedule above applies as                          because of "bodily injury";
   follows:                                                                           b. Under Property Damage Liability Coverage, to all
   1. PER CLAIM BASIS. If the deductible amount indicated in                             damages because of "property damage"; or
        the Schedule above is on a per claim basis, that deductible
                                                                                      c. Under Bodily Injury Liability and/or Property Damage
        applies as follows:
                                                                                          Liability Coverage Combined, to all damages because
        a. Under Bodily Injury Liability Coverage, to all damages                         of:
            sustained by any one person because of "bodily                                (1) "Bodily injury";
            injury";                                                                      (2) "Property damage"; or
       b. Under Property Damage Liability Coverage, to all                                (3) "Bodily injury" and "property damage" combined
          damages sustained by any one person because of                              as the result of any one "occurrence", regardless of the
          "property damage"; or                                                       number of persons or organizations who sustain damages
                                                                                      because of that "occurrence".
       c. Under Bodily Injury Liability and/or Property Damage
          Liability Coverage Combined, to all damages sustained               C. The terms of this insurance, including those with respect to:
          by any one person because of:                                          1. Our right and duty to defend the insured against any
          (1) "Bodily injury";                                                       "suits" seeking those damages; and
             (2) "Property damage"; or                                           2. Your duties in the event of an "occurrence", claim, or
                                                                                     "suit"
             (3) "Bodily injury" and "property damage" combined
                                                                                 apply irrespective of the application of the deductible amount.
       as the result of any one "occurrence".
                                                                              D. We may pay any part or all of the deductible amount to effect
       If damages are claimed for care, loss of services or death                settlement of any claim or "suit" and, upon notification of the
       resulting at any time from "bodily injury", a separate                    action taken, you shall promptly reimburse us for such part of
                                                                                 the deductible amount as has been paid by us.

                                                  Copyright, Insurance Services Office, Inc., 1994                                  Stock No. 05784
CG 03 00 01 96
    260                                                                                                               46 X07816-02         001 DAB


POLICY NUMBER: 46 X07816-02                                                                                           COMMERCIAL GENERAL LIABILITY
                                                                                                                                     CG 74 07 01 06


                           THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                 HIRED AUTO AND NON-OWNED
                                           AUTO LIABILITY INSURANCE WASHINGTON

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

                                                                         SCHEDULE
    Insurance is provided only with respect to those coverages for which an entry is shown under Premium:
                       Coverage                                                  Premium
                       Hired Auto Liability Insurance                            $ INCLUDED
                       Non-Owned Auto Liability Insurance                        $ INCLUDED
    (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this
    endorsement.)

A. Hired Auto Liability                                                                           (2) The spouse, child, parent, brother or sister of that
   The insurance provided under Coverage A Bodily Injury And                                          "employee" as a consequence of Paragraph (1)
   Property Damage Liability (Section I Coverages) applies to                                         above.
   "bodily injury" or "property damage" arising out of the main-                                  This exclusion applies:
   tenance or use of a "hired auto" by you or your "employees" in                                 (1) Whether the insured may be liable as an employer
   the course of your business.                                                                       or in any other capacity; and
B. Non-Owned Auto Liability                                                                       (2) To any obligation to share damages with or repay
   The insurance provided under Coverage A Bodily Injury And                                          someone else who must pay the damages
   Property Damage Liability (Section I Coverages) applies to                                         because of the injury.
   "bodily injury" or "property damage" arising out of the use of a                               This exclusion does not apply to:
   "non-owned auto" by any person in the course of your
   business.                                                                                      (1) Liability assumed by the insured under an "insured
                                                                                                      contract"; or
C. Changes In Exclusions
                                                                                                  (2) "Bodily injury" to domestic "employees" not en-
   With respect to the insurance provided by this endorsement:                                        titled to workers’ compensation benefits.
    1. Subparagraphs b., c., e., g., h., j., k., l., m. and n. of                                 This exclusion applies only with respect to
       Paragraph 2., Exclusions of Coverage A Bodily Injury                                       "employees" of the insured whose employment is not
       And Property Damage Liability (Section I Coverages)                                        subject to the Industrial Insurance Act of Washington
       do not apply.                                                                              (Washington Revised Code Title 51).
    2. The following exclusions are added to Paragraph 2.,                                    c. "Bodily injury" to an "employee" of the insured arising
       Exclusions of Coverage A                Bodily Injury And                                  out of and in the course of:
       Property Damage Liability (Section I Coverages):
                                                                                                  (1) Employment by the insured; or
       This insurance does not apply to:
                                                                                                  (2) Performing duties related to the conduct of the
        a. "Bodily injury" or "property damage" for which the                                         insured’s business.
            insured is obligated to pay damages by reason of the
            assumption of liability in a contract or agreement. This                         This exclusion applies to any obligation to share damages
            exclusion does not apply to liability for damages:                               with or repay someone else who must pay the damages
                                                                                             because of the injury.
            (1) That the insured would have in the absence of the
                contract or agreement; or                                                    This exclusion does not apply to:
            (2) Assumed in a contract or agreement that is an                                     (1) Liability assumed by the insured under an "insured
                "insured contract", provided the "bodily injury" or                                   contract"; or
                "property damage" occurs subsequent to the                                        (2) "Bodily injury" to domestic "employees" not
                execution of the contract or agreement.                                               entitled to workers’ compensation benefits.
        b. "Bodily injury" to:                                                               This exclusion applies only with respect to "employees" of
            (1) An "employee" of the insured arising out of and in                           the insured whose employment is subject to the Industrial
                the course of:                                                               Insurance Act of Washington (Washington Revised Code
                                                                                             Title 51).
                (a) Employment by the insured; or
                (b) Performing duties related to the conduct of
                     the insured’s business; or
                                                                                                                                                Page 1 of 2
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    260                                                                                                              46 X07816-02     001 DAB


        d. "Property damage" to:                                                         e. Any person or organization with respect to the conduct
           (1) Property owned or being transported by, or rented                             of any current or past partnership, joint venture or
                or loaned to the insured; or                                                 limited liability company that is not shown as a Named
                                                                                             Insured in the Declarations.
           (2) Property in the care, custody or control of the
                insured.                                                         E. Limits Of Insurance
D. Who Is An Insured                                                                For the purposes of this endorsement only, Section III
                                                                                    Limits Of Insurance is replaced by the following:
   For the purposes of this endorsement only, Section II Who
   Is An Insured is replaced by the following:                                      Regardless of the number of "hired autos", "non-owned autos",
                                                                                    insureds, premiums paid, claims made or vehicles involved in
    1. Each of the following is an insured under this insurance to                  the "occurrence", the most we will pay for all damages
       the extent set forth below:                                                  resulting from any one "occurrence" is the Each Occurrence
        a. You.                                                                     Limit shown in the Declarations.
        b. Any other person using a "hired auto" with your                       F. Changes In Conditions
            permission.
                                                                                    For the purposes of this endorsement only, Paragraph 4.
        c. With respect to a "non-owned auto", any partner or                       Other Insurance of Section IV              Commercial General
            "executive officer" of yours, but only while such "non-                 Liability Conditions is replaced by the following:
            owned auto" is being used in your business.
                                                                                    This insurance is excess over any primary insurance covering
        d. Any other person or organization, but only with                          the "hired auto" or "non-owned auto".
            respect to their liability because of acts or omissions
            of an insured under Paragraphs a., b. or c. above.                   G. Additional Definitions
    2. None of the following is an insured:                                         For the purposes of this endorsement only, the following
                                                                                    definitions are added to the Definitions Section:
        a. Any person engaged in the business of his or her
            employer with respect to "bodily injury" to any co-                      1. "Auto business" means the business or occupation of
            employee of such person injured in the course of                            selling, repairing, servicing, storing or parking "autos".
            employment;                                                              2. "Hired auto" means any "auto" you lease, hire, rent or
                                                                                        borrow. This does not include any "auto" you lease, hire,
       b. Any partner or "executive officer" with respect to any
                                                                                        rent or borrow from any of your "employees", your partners
           "auto" owned by such partner or officer or a member
                                                                                        or your "executive officers", or members of their
           of his or her household;
                                                                                        households.
       c. Any person while employed in or otherwise engaged
                                                                                     3. "Non-owned auto" means any "auto" you do not own,
           in performing duties related to the conduct of an "auto
                                                                                        lease, hire, rent or borrow which is used in connection with
           business", other than an "auto business" you operate;
                                                                                        your business. This includes "autos" owned by your
       d. The owner or lessee (of whom you are a sublessee) of                          "employees", your partners or your "executive officers", or
           a "hired auto" or the owner of a "non-owned auto" or                         members of their households, but only while used in your
           any agent or "employee" of any such owner or lessee;                         business or your personal affairs.




                                                                                                                                          Page 2 of 2
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      260                       46 X07816-02   001 DAB




              INLAND   MARINE




UBL - 05926
    260                                                                                                46 X07816-02        001 DAB
                                           AMERICAN FAMILY MUTUAL INSURANCE COMPANY
                                                 MADISON, WISCONSIN 53783-0001
                                          COMMERCIAL INLAND MARINE COVERAGE PART
POLICY NUMBER                                          DECLARATIONS                                                   COMPANY CODE
46 X07816-02                                                                                                          0000-BLBK-WA




NAMED            DUNLAP, TRACEY                                                    DBA      TRACEYS HOUSEKEEPING
INSURED
MAILING          1248 CEDAR AVE APT 56
ADDRESS          MARYSVILLE WA 98270-5618


COVERAGE FORM(S)                                                                                                             PREMIUM
CONTRACTORS EQUIPMENT                                                                                                        $39.00



                                                                    TOTAL ADVANCE PREMIUM                         $39.00

Forms and endorsements applying to this coverage part and made part of this policy at time of issue:
IM-5102 Ed 1.0              IM 5015 07 03                IL 09 85 01 08               IM 7000 12 01               IM 5508 06 02
IM 5401 09 01               IM 7016 07 99                IM 7025 08 99                IM 7012 07 99               IM 5421 12 04
CL 06 10 03 08



AUTHORIZED                                                                        COUNTERSIGNED
REPRESENTATIVE                                                                    LICENSED RESIDENT AGENT




AGENT 025-353                                                                                        PAGE
ARTURO MALDONADO                                                                                     BRANCH       DAB              01-12
1246 STATE AVE STE E                                                                                 ENTRY DATE   04/07/2011
MARYSVILLE           WA                  98270-3694
                                                                INSURED                                                      U-05980
    260                                                                                             46 X07816-02       001 DAB




                              THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
                                                         AGREEMENT CHANGE



This endorsement modifies insurance provided under the following:
   COMMERCIAL INLAND MARINE COVERAGE PART

The section entitled AGREEMENT in the Inland Marine Coverage Forms is changed:
   a. to delete the paragraph which begins "Refer to Definitions" and is replaced by the following:
        Refer to Definitions for words and phrases that have special meaning. These words and phrases are shown in quotation marks or
        bold type except in some cases for the words you, your, we, us, our and ours.
   b. to add premiums to the additional policy conditions that the Coverage Forms are subject to.

All other terms remain unchanged.




IM-5102 Ed 1.0                                                                                                            Stock No. 11837
     260                                                                                                 46 X07816-02             001 DAB
AAIS

                                                        This endorsement changes
                                                                the policy
                                                     PLEASE READ THIS CAREFULLY

                                                         WASHINGTON CHANGES


1.   Under Definitions, if applicable, the definition of "volcanic action" is deleted and replaced by:
     "Volcanic action" means airborne volcanic blast or airborne shock waves; ash, dust, or particulate matter; or lava flow. It includes the
     cost to remove the initial deposit of ash, dust, or particulate matter that causes direct physical loss to the covered property. It does not
     include subsequent deposits arising from the movement of volcanic dust or ash by wind or other means.
2.   Under Perils Excluded, the first paragraph of item 1. is deleted and replaced by:
     "We" do not pay for loss or damage caused by any of the following excluded events. Loss or damage will be considered to have been
     caused by an excluded event if that event:
     a. directly and solely results in loss or damage; or
     b. initiates a sequence of events that results in loss or damage, regardless of the nature of any intermediate or final event in that
           sequence.
3.   If actual cash value "terms" are a part of this policy, those "terms" are qualified by the following:
     Actual cash value may include a deduction for depreciation or an adjustment for appreciation, however caused.
4.   If Replacement Cost "terms" are a part of this policy, those "terms" are deleted and replaced by the following:
     Replacement Cost When replacement cost is shown on the "declarations" for covered property, the value of covered property will
     be based on the replacement cost without any deduction for depreciation.
     The replacement cost is limited to the cost of repair or replacement with new materials of like kind and quality on the same site and
     used for the same purpose. The payment shall not exceed the amount "you" spend to repair or replace the damaged or destroyed
     property.
     Replacement cost valuation does not apply until the damaged or destroyed property is repaired or replaced. "You" may make a claim
     for actual cash value before repair or replacement takes place, and later for the replacement cost if "you" notify "us" of "your" intent
     within 180 days after the loss.
5.   Under Other Conditions, the Appraisal condition is amended by the deletion of the following sentence:
     If there is an appraisal, "we" retain "our" right to deny the claim.
6.   Under Other Conditions, the Misrepresentation, Concealment, or Fraud condition is deleted and replaced by:
     Misrepresentation, Concealment, or Fraud This coverage is void if before or after a loss:
     a. any insured has intentionally concealed or misrepresented:
           1) a material fact or circumstance that relates to this insurance or the subject thereof; or
           2) the insured’s interest herein.
     b. there has been fraud or false swearing by any insured with regard to a matter that relates to this insurance or the subject thereof.
7.   Under Other Conditions, the following addition amends Recoveries:
     The Recoveries provision does not apply to a recovery that results from subrogation against others.
8.   Under Other Conditions, the Subrogation condition is deleted and replaced by:
     Subrogation If "we" pay under this policy, "we" may require from an insured an assignment of the rights of recovery. "We" are not
     liable for a loss if an insured impairs "our" right to recover. "You" may waive "your" right to recover, in writing, before a loss occurs,
     without voiding coverage. If "we" pay a loss to or for an insured and the insured recovers from another party for the same loss, the
     insured will reimburse "us" as provided under Recoveries. If an insured assigns to "us" the rights of recovery under this provision and
     "we" recover from another party, "we" will make the insured whole before recovering for "our" loss.
9.   Under Reporting Terms, if applicable, the following is added to Premium Adjustment:
     The minimum premium is not subject to a refund unless "we" cancel the policy.




                                                      Includes copyrighted material with permission of
IM 5015 07 03                                           American Association of Insurance Services                                 Stock No. 25793
     260                                                                                             46 X07816-02              001 DAB


POLICY NUMBER: 46 X07816-02                                                                                                   IL 09 85 01 08


     THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE
 REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR
                 CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY.
                               DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT


                                                                SCHEDULE

   Terrorism Premium (Certified Acts) $

   This premium is the total Certified Acts premium attributable to the following Coverage Part(s), Coverage Form(s) and/or
   Policy(s):



   Additional information, if any, concerning the terrorism premium:



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

A. Disclosure Of Premium
   In accordance with the federal Terrorism Risk Insurance Act, we are required to provide you with a notice disclosing the portion of your
   premium, if any, attributable to coverage for terrorist acts certified under the Terrorism Risk Insurance Act. The portion of your premium
   attributable to such coverage is shown in the Schedule of this endorsement or in the policy Declarations.
B. Disclosure Of Federal Participation In Payment Of Terrorism Losses
   The United States Government, Department of the Treasury, will pay a share of terrorism losses insured under the federal program.
   The federal share equals 85% of that portion of the amount of such insured losses that exceeds the applicable insurer retention.
   However, if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in
   a Program Year (January 1 through December 31), the Treasury shall not make any payment for any portion of the amount of such
   losses that exceeds $100 billion.
C. Cap On Insurer Participation In Payment Of Terrorism Losses
   If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a
   Program Year (January 1 through December 31) and we have met our insurer deductible under the Terrorism Risk Insurance Act, we
   shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured
   losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury.




IL 09 85 01 08                                                ISO Properties, Inc., 2007                                       Stock No. 22390
    260                                                                                                          46 X07816-02          001 DAB


AAIS
                                                CONTRACTORS’ EQUIPMENT COVERAGE

AGREEMENT                                                                         10. "Specified perils" means aircraft; civil commotion; explosion;
In return for "your" payment of the required premium, "we" provide                    falling objects; fire; hail; leakage from fire extinguishing
the coverage described herein subject to all the "terms" of the                       equipment; lightning; riot; "sinkhole collapse"; smoke; sonic
Contractors’ Equipment Coverage. This coverage is also subject to                     boom; vandalism; vehicles; "volcanic action"; water damage;
the "schedule of coverages" and additional policy conditions                          weight of ice, snow, or sleet; and windstorm.
relating to assignment or transfer of rights or duties, cancellation,                 Falling objects does not include loss to personal property in
changes or modifications, inspections, and examination of books                       the open or to the interior of buildings or structures or to
and records.                                                                          personal property inside buildings or structures unless the
Endorsements and schedules may also apply. They are identified                        exterior of the roof or walls are first damaged by a falling
on the "schedule of coverages".                                                       object.
Refer to Definitions for words and phrases that have special                          Water damage means the sudden or accidental discharge or
meaning. These words and phrases are shown in quotation marks                         leakage of water or steam as a direct result of breaking or
or bold type.                                                                         cracking of a part of the system or appliance containing the
                                                                                      water or steam.
DEFINITIONS
                                                                                  11. "Terms" means all provisions, limitations, exclusions,
1. The words "you" and "your" mean the persons or                                     conditions, and definitions that apply.
      organizations named as the insured on the "schedule of
      coverages".                                                                 12. "Volcanic action" means airborne volcanic blast or airborne
                                                                                      shock waves; ash, dust, or particulate matter; or lava flow. It
2. The words "we", "us", and "our" mean the company providing                         does not include the cost to remove ash, dust, or particulate
      this coverage.                                                                  matter that does not cause direct physical loss to the covered
3. "Contractors equipment" means machinery, equipment, and                            property.
      tools of a mobile nature that "you" use in "your" contracting,              PROPERTY COVERED
      installation, erection, repair, or moving operations or projects.
      "Contractors equipment" also means:                                         "We" cover the following property unless the property is otherwise
                                                                                  covered, excluded, or subject to limitations.
      a. self-propelled vehicles designed and used primarily to
            carry mounted equipment; or                                           1. Scheduled Equipment             When Scheduled Equipment is
                                                                                      indicated on the "schedule of coverages", "we" cover direct
      b. vehicles designed for highway use that are unlicensed
                                                                                      physical loss caused by a covered peril to:
            and not operated on public roads.
                                                                                      a. "your" "contractors’ equipment"; and
4. "Equipment schedule" means a schedule of "contractors
      equipment" that is attached to this policy and that describes                   b. "contractors equipment" of others in "your" care,
      each piece of covered equipment.                                                      custody, or control;
5. "Jobsite" means any location, project, or work site where "you"                    described on the "equipment schedule".
      are in the process of construction, installation, erection, repair,         2. Schedule on File When Schedule on File is indicated on
      or moving.                                                                      the "schedule of coverages", "we" cover direct physical loss
6. "Limit" means the amount of coverage that applies.                                 caused by a covered peril to:
7. "Pollutant" means:                                                                 a. "your" "contractors’ equipment"; and
      a. any solid, liquid, gaseous, thermal, or radioactive irritant                 b. "contractors equipment" of others in "your" care,
            or contaminant, including acids, alkalis, chemicals,                            custody, or control;
            fumes, smoke, soot, vapor, and waste. Waste includes                      that are listed in a schedule which "you" must submit to "us"
            materials to be recycled, reclaimed, or reconditioned, as                 and "we" keep on file. The schedule must contain a
            well as disposed of; and                                                  description of each item to be covered and a "limit" for each
      b. electrical or magnetic emissions, whether visible or                         item.
            invisible, and sound emissions.                                       PROPERTY NOT COVERED
8. "Schedule of coverages" means:                                                 1. Aircraft or Watercraft          "We" do not cover aircraft or
      a. all pages labeled schedule of coverages or schedules                         watercraft.
            which pertain to this coverage; and                                   2. Automobiles and Trucks "We" do not cover automobiles,
      b. declarations or supplemental declarations which pertain                      motor trucks, tractors, trailers, and similar conveyances
            to this coverage.                                                         designed for highway use and used for over the road
                                                                                      transportation of people or cargo. However, this does not
9. "Sinkhole collapse" means the sudden settlement or collapse
                                                                                      include:
      of earth supporting the covered property into subterranean
      voids created by the action of water on a limestone or similar                  a. self-propelled vehicles designed and used primarily to
      rock formation. It does not include the value of the land or the                      carry mounted equipment; or
      cost of filling sinkholes.                                                      b. vehicles designed for highway use that are unlicensed
                                                                                            and not operated on public roads.



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3.    Contraband "We" do not cover contraband or property in                    Unless otherwise indicated, a "limit" for a Supplemental Coverage
      the course of illegal transportation or trade.                            provided below is separate from, and not part of, the applicable
4. Leased or Rented Property "We" do not cover property                         "limit" for coverage described under Property Covered. The "limit"
      that "you" lease or rent to others.                                       available for coverage described under a Supplemental Coverage:
5. Loaned Property "We" do not cover property that "you"                        a. is the only "limit" available for the described coverage; and
      loan to others.                                                           b. is not the sum of the "limit" indicated for a Supplemental
6. Underground Mining Operations                  "We" do not cover                   Coverage and the "limit" for coverage described under
      property while stored or operated underground in connection                     Property Covered.
      with any mining operations.                                               The "limit" provided under a Supplemental Coverage cannot be
7. Waterborne Property "We" do not cover property while                         combined or added to the "limit" for any other Supplemental
      waterborne except while in transit in the custody of a carrier            Coverage or Coverage Extension.
      for hire.                                                                 The following supplemental coverages are not subject to and not
COVERAGE EXTENSION                                                              considered in applying coinsurance when coinsurance conditions
                                                                                are a part of this coverage.
The following Coverage Extensions indicate an applicable "limit".
This "limit" may also be shown on the "schedule of coverages". If a             1. Employee Tools "We" pay for direct physical loss caused
different "limit" is indicated on the "schedule of coverages", that                   by a covered peril to tools owned by "your" employees at a
"limit" will apply instead of the "limit" shown below.                                premises that "you" own or operate or at a "jobsite".
However, if no "limit" is indicated for a Coverage Extension,                         The most "we" pay for loss to employee tools is $5,000.
coverage is provided up to the full "limit" for the applicable covered          2. Newly Purchased Equipment                 In the event that "you"
property unless a different "limit" is indicated on the "schedule of                  purchase additional "contractors’ equipment" during the policy
coverages".                                                                           period, "we" extend coverage to the additional purchased
Unless otherwise indicated, the coverages provided below are part                     equipment for up to 60 days.
of and not in addition to the applicable "limit" for coverage                         The most that "we" pay for any one loss under this
described under Property Covered.                                                     Supplemental Coverage is the lesser of:
The "limit" provided under a Coverage Extension cannot be                             a. the value of the newly purchased equipment. The value
combined or added to the "limit" for any other Coverage Extension                           of "contractors equipment" is determined by the
or Supplemental Coverage.                                                                   provisions described under the Valuation section of this
The following coverage extensions are not subject to and not                                policy; or
considered in applying coinsurance when coinsurance conditions                        b. the "limit" for newly purchased equipment indicated on
are a part of this coverage.                                                                the "schedule of coverages". If no "limit" is indicated, then
Debris Removal "We" pay the cost to remove the debris of                                    30% of the Catastrophe Limit indicated on the "schedule
covered property that is caused by a covered peril. This coverage                           of coverages" applies to this Supplemental Coverage.
does not include costs to:                                                            This Supplemental Coverage will end when any of the
1. extract "pollutants" from land or water; or                                        following first occur:
2. remove, restore, or replace polluted land or water.                                a. this policy expires;
"We" will not pay any more under this coverage than 25% of the                        b. 60 days expire after "you" purchase the equipment; or
amount "we" pay for the direct loss. "We" will not pay more for loss                  c. "you" report the newly purchased equipment to "us".
to property and debris removal combined than the "limit" for the                3. Pollutant Cleanup and Removal "We" pay "your" expense
damaged property.                                                                     to extract "pollutants" from land or water if the discharge,
However, "we" pay up to an additional $5,000 for debris removal                       dispersal, seepage, migration, release, or escape of the
expense when the debris removal expense exceeds 25% of the                            "pollutants" is caused by a covered peril that occurs during the
amount "we" pay for direct loss or when the loss to property and                      policy period. The expenses are paid only if they are reported
debris removal combined exceeds the "limit" for the damaged                           to "us" in writing within 180 days from the date the covered
property.                                                                             peril occurs.
"We" do not pay any expenses unless they are reported to "us" in                      "We" do not pay the cost of testing, evaluating, observing, or
writing within 180 days from the date of direct physical loss to                      recording the existence, level, or effects of "pollutants".
covered property.                                                                     However, "we" pay the cost of testing which is necessary for
SUPPLEMENTAL COVERAGES                                                                the extraction of "pollutants" from land or water.
The following Supplemental Coverages indicate an applicable                           The most "we" pay for any one "jobsite" or location is $25,000
"limit". This "limit" may also be shown on the "schedule of                           for the sum of all such expenses arising out of a covered peril
coverages". If a different "limit" is indicated on the "schedule of                   occurring during each separate 12-month period of this policy.
coverages", that "limit" will apply instead of the "limit" shown below.         4. Equipment Leased or Rented From Others "We" cover
However, if no "limit" is indicated for a Supplemental Coverage,                      direct physical loss caused by a covered peril to "contractors’
coverage is provided up to the full "limit" for the applicable covered                equipment" that "you" have leased or rented from others.
property unless a different "limit" is indicated on the "schedule of                  The most "we" pay for equipment leased or rented from others
coverages".                                                                           is $25,000.


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5.  Rental Reimbursement In the event of a loss by a covered                          c.   War "We" do not pay for loss caused by war. This
    peril to "your" "contractors equipment", "we" reimburse "you"                          means:
    for "your" expense to rent similar equipment while "your"                              1) declared war, undeclared war, or civil war;
    equipment is inoperable.
                                                                                           2) insurrection, rebellion, revolution, or unlawful
    The most "we" reimburse "you" for rental expenses is $5,000.                                 seizure of power;
    "We" will not reimburse "you" for the rental of equipment until                        3) a warlike act by a military force or by military
    after the waiting period indicated on the "schedule of                                       personnel; or
    coverages" has passed since "your" "contractors equipment"
                                                                                           4) the destruction, seizure, or use of property for a
    was rendered inoperable. If no waiting period is indicated then
                                                                                                 military purpose.
    a 72-hour waiting period applies.
                                                                                           This exclusion also applies to loss or damage caused by
    After the waiting period has passed, "we" will only reimburse
                                                                                           or in connection with any action taken to prevent or
    "you" for the rental expenses that "you" actually incur.
                                                                                           defend against an actual or expected attack as described
    "We" will continue to reimburse "you" for the rental of                                in 1), 2), or 3) above.
    equipment after the expiration date of this coverage, provided
                                                                                           If an act described above involves nuclear reaction,
    the loss occurred before the expiration date.
                                                                                           nuclear radiation, or radioactive contamination, this War
    "We" will not reimburse "you":                                                         Exclusion will apply to loss that results from such nuclear
    a. if "you" can continue or resume "your" operations with                              event in place of the Nuclear Hazard Exclusion.
          similar equipment that is available to "you" at no                    2.    "We" do not pay for loss or damage if one or more of the
          additional expense to "you"; or                                             following exclusions apply to the loss.
    b. for the rental expense of any equipment unless "you"                           a. Criminal, Fraudulent, or Dishonest Acts "We" do not
          make every reasonable effort to repair, replace, or rebuild                      pay for loss caused by or resulting from criminal,
          the inoperable equipment after the loss by a covered                             fraudulent, dishonest, or illegal acts alone or in collusion
          peril occurs.                                                                    with another by:
    The deductible amount indicated on the "schedule of                                    1) "you";
    coverages" does not apply to a loss covered under this
                                                                                           2) others who have an interest in the property;
    additional coverage.
                                                                                           3) others to whom "you" entrust the property;
6. Spare Parts and Fuel "We" pay for direct physical loss
    caused by a covered peril to spare parts and accessories for                           4) "your" partners, officers, directors, trustees, or joint
    "contractors equipment" and fluids for vehicles and                                          adventurers; or
    "contractors equipment". Fluids include gasoline, oil, and                             5) the employees or agents of 1), 2), 3), or 4) above,
    hydraulic fluid.                                                                             whether or not they are at work.
    The most "we" pay for loss to spare parts and accessories is                           This exclusion does not apply to acts of destruction by
    $5,000.                                                                                "your" employees, but "we" do not pay for theft by
PERILS COVERED                                                                             employees.
"We" cover risks of direct physical loss unless the loss is limited or                     This exclusion does not apply to covered property in the
caused by a peril that is excluded.                                                        custody of a carrier for hire.
PERILS EXCLUDED                                                                       b. Loss of Use "We" do not pay for loss caused by or
                                                                                           resulting from loss of use, business interruption, delay, or
1. "We" do not pay for loss if one or more of the following
                                                                                           loss of market.
    exclusions apply to the loss, regardless of other causes or
    events that contribute to or aggravate the loss, whether such                     c. Missing Property "We" do not pay for missing property
    causes or events act to produce the loss before, at the same                           where the only proof of loss is unexplained or mysterious
    time as, or after the excluded causes or events.                                       disappearance of covered property, or shortage of
                                                                                           property discovered on taking inventory, or any other
    a. Civil Authority "We" do not pay for loss caused by
          order of any civil authority, including seizure,                                 instance where there is no physical evidence to show
                                                                                           what happened to the covered property. This exclusion
          confiscation, destruction, or quarantine of property.
                                                                                           does not apply to covered property in the custody of a
          "We" do pay for loss resulting from acts of destruction by                       carrier for hire.
          the civil authority to prevent the spread of fire, unless the
                                                                                      d. Pollutants "We" do not pay for loss caused by or
          fire is caused by a peril excluded under this coverage.
                                                                                           resulting from release, discharge, seepage, migration,
    b. Nuclear Hazard "We" do not pay for loss caused by or                                dispersal, or escape of "pollutants" unless the release,
          resulting from a nuclear reaction, nuclear radiation, or                         discharge, seepage, migration, dispersal, or escape is
          radioactive contamination (whether controlled or                                 caused by a "specified peril". "We" do pay for any
          uncontrolled; whether caused by natural, accidental, or                          resulting loss caused by a "specified peril".
          artificial means). Loss caused by nuclear hazard is not
                                                                                      e. Voluntary Parting "We" do not pay for loss caused by
          considered loss caused by fire, explosion, or smoke.
                                                                                           or resulting from voluntary parting with title to or
          "We" do pay for direct loss by fire resulting from the
          nuclear hazard.                                                                  possession of any property because of any fraudulent
                                                                                           scheme, trick, or false pretense.


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3.  "We" do not pay for loss or damage if one or more of the                  5. Records "You" must produce records, including tax returns
    following exclusions apply to the loss. But if loss by a covered             and bank microfilms of all cancelled checks relating to value,
    peril results, "we" will pay for the resulting loss.                         loss, and expense and permit copies and extracts to be made
    a. Contamination or Deterioration "We" do not pay for                        of them as often as "we" reasonably request.
          loss caused by contamination or deterioration including             6. Damaged Property "You" must exhibit the damaged and
          corrosion, decay, fungus, mildew, mold, rot, rust, or any              undamaged property as often as "we" reasonably request and
          quality, fault, or weakness in the covered property that               allow "us" to inspect or take samples of the property.
          causes it to damage or destroy itself.                              7. Volunteer Payments "You" must not, except at "your" own
    b. Mechanical Breakdown "We" do not pay for loss                             expense, voluntarily make any payments, assume any
          caused by any:                                                         obligations, pay or offer any rewards, or incur any other
          1) structural, mechanical, or remodeling process; or                   expenses except as respects protecting property from further
                                                                                 damage.
          2) structural, mechanical, or electrical breakdown or
                malfunction.                                                  8. Abandonment "You" may not abandon the property to "us"
                                                                                 without "our" written consent.
    c. Temperature/Humidity               "We" do not pay for loss
          caused by humidity, dampness, dryness, or changes in                9. Cooperation "You" must cooperate with "us" in performing
          or extremes of temperature.                                            all acts required by this policy.
    d. Wear and Tear "We" do not pay for loss caused by                       VALUATION
          wear and tear, marring, or scratching.                              1. Actual Cash Value Unless replacement cost is indicated on
WHAT MUST BE DONE                                                                the "schedule of coverages" for covered property, the value of
                                                                                 covered property will be based on the actual cash value at the
IN CASE OF LOSS                                                                  time of the loss (with a deduction for depreciation) except as
1. Notice In case of a loss, "you" must:                                         provided in paragraphs 3. and 4. below.
    a. give "us" or "our" agent prompt notice including a                     2. Replacement Cost When replacement cost is indicated on
          description of the property involved ("we" may request                 the "schedule of coverages" for covered property, the value of
          written notice); and                                                   covered property will be based on the replacement cost
    b. give notice to the police when the act that causes the                    without any deduction for depreciation except as provided in
          loss is a crime.                                                       paragraphs 3. and 4. below.
2. Protect Property "You" must take all reasonable steps to                      The replacement cost is limited to the cost of repair or
    protect covered property at and after an insured loss to avoid               replacement with similar materials and used for the same
    further loss. "We" do pay the reasonable costs incurred by                   purpose. The payment will not exceed the amount "you"
    "you" for necessary repairs or emergency measures                            spend to repair or replace the damaged or destroyed property.
    performed solely to protect covered property from further                    Replacement cost valuation does not apply until the damaged
    damage by a peril insured against if a peril insured against                 or destroyed property is repaired or replaced. "You" may
    has already caused a loss to covered property. "You" must                    make a claim for actual cash value before repair or
    keep an accurate record of such costs. However, "we" do not                  replacement takes place, and later for the replacement cost if
    pay for such repairs or emergency measures performed on                      "you" notify "us" of "your" intent within 180 days after the loss.
    property which has not been damaged by a peril insured                    3. Pair or Set The value of a lost or damaged article which is
    against. This does not increase "our" "limit".
                                                                                 part of a pair or set is based on a reasonable proportion of the
3. Proof of Loss "You" must send "us", within 60 days after                      value of the entire pair or set. The loss is not considered a
    "our" request, a signed, sworn proof of loss. This must include              total loss of the pair or set.
    the following information:
                                                                              4. Loss to Parts The value of a lost or damaged part of an
    a. the time, place, and circumstances of the loss;                           item that consists of several parts when it is complete is based
    b. other policies of insurance that may cover the loss;                      on the value of only the lost or damaged part or the cost to
    c. "your" interest and the interests of all others in the                    repair or replace it.
          property involved, including all mortgages and liens;               HOW MUCH WE PAY
    d. changes in title of the covered property during the policy             1. Insurable Interest "We" do not cover more than "your"
          period; and                                                            insurable interest in any property.
    e. estimates, specifications, inventories, and other                      2. Flat Deductible Unless a percentage deductible is indicated
          reasonable information that "we" may require to settle the             on the "schedule of coverages", "we" pay only that part of
          loss.                                                                  "your" loss over the deductible amount indicated on the
4. Examination "You" must submit to examination under oath                       "schedule of coverages" in any one occurrence.
    in matters connected with the loss as often as "we"                       3. Percentage Deductible When a percentage deductible is
    reasonably request and give "us" sworn statements of the                     indicated on the "schedule of coverages", "we" pay only that
    answers. If more than one person is examined, "we" have the                  part of "your" loss over the deductible amount. The deductible
    right to examine and receive statements separately and not in                amount is determined by applying the percentage indicated on
    the presence of others.                                                      the "schedule of coverages" to the value of the covered
                                                                                 property that is involved in the loss. The value is determined
                                                                                 by the provisions described under the Valuation section of this

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     policy. If a loss involves two or more items, the percentage               LOSS PAYMENT
     indicated on the "schedule of coverages" will apply only to the            1. Our Options "We" have the following options:
     covered property with the highest value.
                                                                                      a. pay the value of the loss;
     The percentage deductible will not exceed the Maximum
                                                                                      b. pay the cost of repairing or replacing the loss;
     Deductible amount and will not be less than the Minimum
     Deductible amount indicated on the "schedule of coverages".                      c. rebuild, repair, or replace with property of like kind and
                                                                                             quality, to the extent practicable, within a reasonable
4.   Loss Settlement Terms Subject to paragraphs 1., 2., 3., 5.,
                                                                                             time;
     6., and 7. under How Much We Pay, "we" pay the lesser of:
                                                                                      d. take all or any part of the damaged property at the
     a. the amount determined under Valuation;
                                                                                             agreed or appraised value.
     b. the cost to repair, replace, or rebuild the property with
           material of like kind and quality to the extent practicable;               "We" must give "you" notice of "our" intent to rebuild, repair, or
                                                                                      replace within 30 days after receipt of a duly executed proof of
           or
                                                                                      loss.
     c. the "limit" that applies to the covered property. However,
           the most "we" pay for loss in any one occurrence is the              2. Your Losses "We" adjust all losses with "you". Payment will
                                                                                      be made to "you" unless another loss payee is named in the
           Catastrophe Limit indicated on the "schedule of
                                                                                      policy. An insured loss will be payable 30 days after a
           coverages".
                                                                                      satisfactory proof of loss is received, and the amount of the
5.   Coinsurance "We" only pay a part of the loss if the "limit" is                   loss has been established either by written agreement with
     less than the percentage of the value of covered property that                   "you" or the filing of an appraisal award with "us".
     is indicated on the "schedule of coverages". "Our" part of the
                                                                                3. Property of Others Losses to property of others may be
     loss is determined using the following steps:
                                                                                      adjusted with and paid to:
     a. multiply the percent indicated on the "schedule of
                                                                                      a. "you" on behalf of the owner; or
           coverages" by the value of the covered property at the
           time of loss. If no percentage is indicated on the                         b. the owner.
           "schedule of coverages", the applicable coinsurance                        If "we" pay the owner, "we" do not have to pay "you". "We"
           percentage will be 80%;                                                    may also choose to defend any suits arising from the owners
     b. divide the "limit" for covered property by the result                         at "our" expense.
           determined in 5.a. above;                                            REPORTING CONDITIONS
     c. multiply the total amount of loss, after the application of             If indicated on the "schedule of coverages", the following reporting
           any deductible, by the result determined in 5.b. above.              conditions apply.
     The most "we" pay is the amount determined in 5.c. above or                Equipment Leased or Rented From Others Within 30 days
     the "limit", whichever is less. "We" do not pay any remaining              after the end of the policy period, "you" must report to "us" the total
     part of the loss.                                                          amount of "your" expenditures for "contractors equipment" that
     If there is more than one "limit" indicated on the "schedule of            "you" lease or rent from others.
     coverages" for this coverage part, this procedure applies                  "We" will compute the premium using the rate indicated on the
     separately to each "limit".                                                "schedule of coverages" for Equipment Leased or Rented From
     If there is only one "limit" indicated on the "schedule of                 Others multiplied, per $100, by the expenditures that "you" report to
     coverages" for this coverage, this procedure applies to the                "us".
     total of all covered property to which the "limit" applies.                "We" will compare the total computed premium to the deposit
     The coinsurance provisions described above do not apply to                 premium indicated on the "schedule of coverages" for Property
     the coverages provided under Coverage Extension and the                    Leased or Rented From Others. If it is more than the deposit
     Supplemental Coverages.                                                    premium, "you" will pay "us" the difference. If it is less than the
                                                                                deposit premium, "we" will pay "you" the difference, subject to the
6.   Insurance Under More Than One Coverage If more than
                                                                                minimum premium indicated on the "schedule of coverages" for
     one coverage of this policy insures the same loss, "we" pay no
                                                                                Equipment Leased or Rented From Others.
     more than the actual claim, loss, or damage sustained.
                                                                                If this policy is canceled, "you" must report the total amount of
7.   Insurance Under More Than One Policy "You" may have
                                                                                expenditures up to and including the date of cancellation.
     another policy subject to the same "terms" as this policy. If
     "you" do, "we" will pay "our" share of the covered loss. "Our"             OTHER CONDITIONS
     share is the proportion that the applicable "limit" under this             1. Appraisal If "you" and "we" do not agree on the amount of
     policy bears to the "limit" of all policies covering on the same                 the loss or the value of covered property, either party may
     basis.                                                                           demand that these amounts be determined by appraisal.
     If there is another policy covering the same loss, other than                    If either makes a written demand for appraisal, each will select
     that described above, "we" pay only for the amount of covered                    a competent, independent appraiser and notify the other of the
     loss in excess of the amount due from that other policy,                         appraiser’s identity within 20 days of receipt of the written
     whether "you" can collect on it or not. But "we" do not pay                      demand. The two appraisers will then select a competent,
     more than the applicable "limit".                                                impartial umpire. If the two appraisers are unable to agree
                                                                                      upon an umpire within 15 days, "you" or "we" can ask a judge
                                                                                      of a court of record in the state where the property is located
                                                                                      to select an umpire.

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     The appraisers will then determine and state separately the               6.  Policy Period "We" pay for a covered loss that occurs
     amount of each loss.                                                          during the policy period.
     The appraisers will also determine the value of covered                   7. Recoveries        If "we" pay "you" for the loss and lost or
     property items at the time of the loss, if requested.                         damaged property is recovered, or payment is made by those
     If the appraisers submit a written report of any agreement to                 responsible for the loss, the following provisions apply:
     "us", the amount agreed upon will be the amount of the loss. If               a. "you" must notify "us" promptly if "you" recover property
     the appraisers fail to agree within a reasonable time, they will                   or receive payment;
     submit only their differences to the umpire. Written agreement                b. "we" must notify "you" promptly if "we" recover property
     so itemized and signed by any two of these three, sets the                         or receive payment;
     amount of the loss.
                                                                                   c. any recovery expenses incurred by either are reimbursed
     Each appraiser will be paid by the party selecting that                            first;
     appraiser. Other expenses of the appraisal and the
                                                                                   d. "you" may keep the recovered property but "you" must
     compensation of the umpire will be paid equally by "you" and
     "us".                                                                              refund to "us" the amount of the claim paid or any lesser
                                                                                        amount to which "we" agree; and
2.   Benefit to Others Insurance under this coverage will not
                                                                                   e. if the claim paid is less than the agreed loss due to a
     directly or indirectly benefit anyone having custody of "your"
     property.                                                                          deductible or other limiting "terms" of this policy, any
                                                                                        recovery will be pro rated between "you" and "us" based
3.   Conformity With Statute When a condition of this coverage                          on "our" respective interest in the loss.
     is in conflict with an applicable law, that condition is amended
     to conform to that law.                                                   8. Restoration of Limits A loss "we" pay under this coverage
                                                                                   does not reduce the applicable "limit" unless it is a total loss to
4.   Estates This provision applies only if the insured is an                      a scheduled item. In the event of a total loss to a scheduled
     individual.                                                                   item, "we" refund the unearned premium on that item.
     On "your" death, "we" cover the following as an insured:                  9. Subrogation If "we" pay for a loss, "we" may require "you"
     a. the person who has custody of "your" property until a                      to assign to "us" "your" right of recovery against others. "You"
           legal representative is qualified and appointed; or                     must do all that is necessary to secure "our" rights. "We" do
     b. "your" legal representative.                                               not pay for a loss if "you" impair this right to recover.
     This person or organization is an insured only with respect to                "You" may waive "your" right to recover from others in writing
     property covered by this coverage.                                            before a loss occurs.
     This coverage does not extend past the policy period                      10. Suit Against Us No one may bring a legal action against
     indicated on the "schedule of coverages".                                     "us" under this coverage unless:
5.   Misrepresentation, Concealment, or Fraud This coverage                        a. all of the "terms" of this coverage have been complied
     is void as to "you" and any other insured if, before or after a                    with; and
     loss:                                                                         b. the suit has been brought within two years after "you" first
     a. "you" or any other insured have willfully concealed or                          have knowledge of the loss.
           misrepresented:                                                         If any applicable law makes this limitation invalid, then suit
           1) a material fact or circumstance that relates to this                 must begin within the shortest period permitted by law.
                 insurance or the subject thereof; or                          11. Territorial Limits "We" cover property while it is in the
           2) "your" interest herein.                                              United States of America, its territories and possessions,
     b. there has been fraud or false swearing by "you" or any                     Canada, and Puerto Rico.
           other insured with regard to a matter that relates to this
           insurance or the subject thereof.




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                                                        This endorsement changes the
                                                       Contractors’ Equipment Coverage
                                                   -- PLEASE READ THIS CAREFULLY --

                CONTRACTORS EQUIPMENT - BLANKET-ITEMS - COINSURANCE CLAUSE DELETED

HOW MUCH WE PAY
     The coinsurance provision under HOW MUCH WE PAY does not apply to tools and equipment, not specifically scheduled, with an
     actual cash value of less than $2,500 each.


All other terms remain unchanged.




IM 5401 09 01                   Includes copyrighted material with permission of American Association of Insurance Services.    Stock No. 19662
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AAIS

                                                       This endorsement changes the
                                                      Contractors’ Equipment Coverage
                                                  -- PLEASE READ THIS CAREFULLY --

                                                BOOM RESTRICTION ENDORSEMENT

PROPERTY NOT COVERED
The following exclusion is added to Property Not Covered:
Booms -- "We" do not cover crane booms that exceed 25 feet in length.
However, "we" do cover booms over 25 feet in length when the loss is caused by a "specified peril" while the equipment is in transit.




IM 7016 07 99                                  Copyright, American Association of Insurance Services, 1999                    Stock No. 19703
     260                                                                                                          46 X07816-02   001 DAB
AAIS

                                                         This endorsement changes
                                                                 the policy
                                                      PLEASE READ THIS CAREFULLY
                                            CERTIFIED ACT OF TERRORISM EXCLUSION


1.   The following definition is added.
     "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in concurrence with the Secretary of State
     and the Attorney General of the United States:
     a. to be an act of terrorism;
     b. to be a violent act or an act that is dangerous to human life, property, or infrastructure;
     c. to have resulted in damage:
          1) within the United States; or
          2) to an air carrier (as defined in section 40102 of title 49, United States Code); to a United States flag vessel (or a vessel
                based principally in the United States, on which United States income tax is paid and whose insurance coverage is subject
                to regulation in the United States), regardless of where the loss occurs; or at the premises of any United States mission;
     d. to have been committed by an individual or individuals, as part of an effort to coerce the civilian population of the United States or
          to influence the policy or affect the conduct of the United States Government by coercion; and
     e. to have resulted in insured losses in excess of five million dollars in the aggregate, attributable to all types of insurance subject to
          the Terrorism Risk Insurance Act, as amended.
2.   The following exclusion is added.
     CERTIFIED ACT OF TERRORISM EXCLUSION
     "We" will not pay for loss or damage caused directly or indirectly by a "certified act of terrorism".
3.   The following provisions are added.
     a. Neither the "terms" of this endorsement nor the "terms" of any other terrorism endorsement attached to this Coverage Part
          provide coverage for any loss that would otherwise be excluded by this Coverage Part under:
          1) exclusions that address war, military action, or nuclear hazard; or
          2) any other exclusion; and
     b. the absence of any other terrorism endorsement does not imply coverage for any loss that would otherwise be excluded by this
          Coverage Part under:
          1) exclusions that address war, military action, or nuclear hazard; or
          2) any other exclusion.




CL 0610 03 08                                 Copyright, American Association of Insurance Services, Inc., 2008                   Stock No. 25805
    260                                                                                                       46 X07816-02          001 DAB


AAIS
                                      This endorsement changes the Contractors’ Equipment Coverage.
                                                   PLEASE READ THIS CAREFULLY
                                              ADDITIONAL COVERAGES ENDORSEMENT


                                                                     SCHEDULE

                             (The information required below may be indicated on the "schedule of coverages".)
  Limit
    Fraud and Deceit
    The most "we" pay for any one loss for theft resulting from fraud and deceit is:                    $ 5,000
    Recharge of Fire Extinguishing Equipment
    The most "we" pay for "your" recharge expenses is:                                                  $ 1,000
    Reward For Recovery of Stolen Equipment
    The most "we" pay for reward for information that leads to the recovery of property is:             $ 1,000

ADDITIONAL DEFINITIONS
"Construction trailer" means "your" transportable trailer or transportable trailer of others in "your" care, custody, or control used at "jobsites"
as an office or for storage.

ADDITIONAL COVERAGE EXTENSIONS
Fraud and Deceit "We" pay for theft of covered property when "you", "your" agents, customers, or consignees are fraudulently induced to
part with the covered property:

1. to persons who falsely represent themselves as the proper persons to receive the property;
2. by the acceptance of fraudulent bills of lading or shipping receipts; or
3. as a result of or directly related to the use of any electronic data processing hardware or software.

ADDITIONAL SUPPLEMENTAL COVERAGES
1. Recharge of Fire Extinguishing Equipment "We" pay for "your" incurred expenses to recharge automatic fire extinguishing
   equipment or hand held fire extinguishing equipment. "We" only cover "your" recharge expenses:
    a. for extinguishing equipment that is mounted or installed on covered property; and
    b. when the extinguishing equipment is discharged to fight a fire or as a result of a covered peril.
2. Reward For Recovery of Stolen Equipment "We" pay for information that leads to the recovery of covered property that was stolen.
   The recovery must involve a covered theft loss. The amount "we" pay is not increased by the number of persons involved in providing
   the information.




IM 7025 08 99                                  Copyright, American Association of Insurance Services, 1999.                          Stock No. 19790
    260                                                                                               46 X07816-02            001 DAB

AAIS
                                    This endorsement changes the Contractors’ Equipment Coverage.
                                                 -- PLEASE READ THIS CAREFULLY --

                                         TOOLS ENDORSEMENT BLANKET COVERAGE


                            (The information required below may be indicated on the "schedule of coverages."
                                                                 SCHEDULE
Limit
    1.   Your Tools
         a. The most "we" pay for loss to any one "tool" is:                    $2,500*
         b. The most "we" pay for loss to "your" "tools" is:                 $2,000
Deductible
Deductible Amount                $500


ADDITIONAL DEFINITIONS
"Tools" means equipment, and tools of a mobile nature that "you" use in "your" contracting, installation, erection, repair, or moving
operations or projects.
SUPPLEMENTAL COVERAGES
     1. Your Tools "We" cover direct physical loss caused by a covered peril to "your" "tools."
HOW MUCH WE PAY
Tools Deductible "We" pay only that part of "your" loss over the deductible indicated for "tools."
VALUATION
*Tool Value "We" will not pay any claims for any "tool" with a value of more than $2,500 unless that "tool" is specifically scheduled on the
declarations and a limit shown.




                                                         Includes copyrighted material of
IM 5421 12 04                                      American Association of Insurance Services, 1999                          Stock No. 24132
    260                                                                                                                              46 X07816-02       001 DAB


POLICY NUMBER: 46 X07816-02                                                                                                                          INLAND MARINE
                                                 CONTRACTORS’ EQUIPMENT DECLARATIONS
                                                   (The information required below may be indicated
                                                            on the "schedule of coverages".)

This DECLARATIONS replaces any previously issued CONTRACTORS EQUIPMENT DECLARATIONS included as part of this policy.

      POLICY NUMBER                        EFFECTIVE DATE
      46 X07816-02                          03/31/2011

      ISSUED TO
      DUNLAP, TRACEY

      AGENT025-353
      ARTURO MALDONADO
      1246 STATE AVE STE E
      MARYSVILLE           WA                         98270-3694



                                    (The above information is needed only when this declaration is issued after preparation of the policy.)


   PROPERTY COVERED (check one)

   1. [ ] Scheduled Equipment

   Item No.     Description of Equipment                                                                                                            "Limit"




   2. [ X] Blanket Coverage                                                                                                                    SEE IM 5421
   3. [ ] Schedule on File

   ADDITIONAL COVERAGES
                                                                                                                                                     "Limit"
   1. Limit for Rental Reimbursement
           Waiting Period - 72 hours
   2. Limit for Newly Purchased Equipment

   CATASTROPHE LIMIT
                                                                                                                                                     "Limit"
   Catastrophe "Limit"                                                                                                                                   $2,000

   VALUATION

   SEE FORM IM-7000

   DEDUCTIBLE

   Deductible Amount                $500

   COINSURANCE

   [ ] 80%       [ ] 90%      [ X] 100%




IM 5508 06 02                Includes copyrighted material with permission of American Association of Insurance Services.                             Stock No. 20812
    260                                                                                                      46 X07816-02        001 DAB


AAIS
                                     This endorsement changes the Contractors’ Equipment Coverage.
                                                  PLEASE READ THIS CAREFULLY
                               EQUIPMENT LEASED OR RENTED FROM OTHERS ENDORSEMENT


                                                                    SCHEDULE
                           (The information required below may be indicated on the "schedule of coverages".)
 Limit
 The most "we" pay for equipment leased or rented from others is:            $25,000
 Reporting Conditions
     Rate             $
     Deposit Premium $
     Minimum Premium $
 [ X ] Reporting Conditions Do Not Apply

SUPPLEMENTAL COVERAGES
Property Leased or Rented From Others           "We" cover direct physical loss caused by a covered peril to "contractors’ equipment" that
"you" have leased or rented from others.

REPORTING CONDITIONS
Reporting Conditions Within 30 days after the end of the policy period, "you" must report to "us" the total amount of "your" expenditures
for "contractors’ equipment" that "you" lease or rent from others.
"We" will compute the premium using the rate indicated for Equipment Leased or Rented From Others multiplied, per $100, by the
expenditures that "you" report to "us".
"We" will compare the total computed premium to the deposit premium. If it is more than the deposit premium, "you" will pay "us" the
difference. If it is less than the deposit premium "we" will pay "you" the difference, subject to the described minimum premium.
If this coverage is canceled, "you" must report the total amount of expenditures up to and including the date of cancellation.




IM 7012 07 99                                 Copyright, American Association of Insurance Services, 1999.                       Stock No. 19785
@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@
       260                                                                                             46 X07816-02              001 DAB




              All Coverage Parts included in this policy are subject to the following condition

              POLICY PERIOD - RENEWAL OF COVERAGE

              Insurance begins and ends at 12:01 A.M., Standard Time, at your mailing address and for the policy period shown in
              the declarations. The first Named Insured shown in the declarations may continue this policy for successive policy
              periods by paying the required premium on or before the effective date of each renewal policy period. If the premium
              is not paid when due, this policy expires at the end of the last policy period for which the premium was paid.



              The premium for each policy period will be based on our current rates and rules.

              If this policy replaces coverage in other policies terminating at 12:00 Noon (standard time) on the inception date of
              this policy, this policy shall be effective at 12:00 Noon (standard time) inste ad of at 12:01 A.M., Standard Time.




   BK 00 00 05 93                                                    Page 3 of 4                                                Stock No. 00831
    260                                                                                              46 X07816-02               001 DAB




           Special Provisions for American Family Mutual Insurance Company Policyholders

           You are a member of the American Family Mutual Insurance Company of Madison, Wiscon sin, and are entitled to
           one vote either in person or by proxy at its meetings. The Annual Meetings are held at its Home Office in Madison,
           Wisconsin, on the first Tuesday of March at 2:00 P.M. Notice printed in this policy shall be your notification of the
           time and place.
           This policy is non-assessable. You are not subject to any assessment beyond the premiums we require for each
           policy period.

           If any dividends are distributed, you will share in them according to law and under conditions set by the Board of
           Directors.

           This policy is signed at Madison, Wisconsin, on our behalf by our President and Secretary. If it is required by law, it
           is countersigned on the declarations by our authorized representative.




                 This is not a complete and valid contract without accompanying DECLARATIONS properly executed.




BK 00 00 05 93                                                   Page 4 of 4                                                   Stock No. 00831

								
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