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CERTIFICATE OF LIABILITY INSURANCEDATE (MM/DD/YYYY)THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THISCERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIESBELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZEDREPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or beendorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. Astatement on this certificate does not confer rights to the certificate holder in lieu of such ard AdministratorPHONE(A/C, No, Ext):(844) comNAIC #INSURER A: Atlantic Specialty Insurance Company27154INSURER B:INSURER C:INSURER D:LVACOVERAGESFAX (A/C, No):INSURER(S) AFFORDING COVERAGET,NOSpecialty Advantage Insurance Services505 North Brand BlvdSuite 1250Glendale, CA 92103INSURER E:INSURER F:CERTIFICATE NUMBER:REVISION NUMBER:THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIODINDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THISCERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.ADDL SUBRINSD WVDTYPE OF INSURANCEXCOMMERCIAL GENERAL LIABILITYXCLAIMS-MADEIDINSRLTROCCURGEN'L AGGREGATE LIMIT APPLIES PER:XPOLICYPROJECTLOCPEAOTHER:AUTOMOBILE LIABILITYANY AUTOSCHEDULEDAUTOSNON-OWNEDAUTOS ONLYUMBRELLA LIABOCCUREXCESS LIABCLAIMS MADEDEDRETENTION WORKERS COMPENSATIONAND EMPLOYERS' LIABILITYANY PROPRIETOR/PARTNER/EXECUTIVE/OFFICER/MEMBER EXCLUDED?N/ALIMITSEACH OCCURRENCE DAMAGE TO RENTEDPREMISES (Ea occurrence) MED EXP (Any one person) PERSONAL & ADV INJURY GENERAL AGGREGATE PRODUCTS - COMP/OP AGG COMBINED SINGLE LIMIT(Ea accident) BODILY INJURY (Per person) BODILY INJURY (Per accident) PROPERTY DAMAGE(Per accident) Excluded EACH OCCURRENCE AGGREGATE PERSTATUTEOTHER E.L. EACH ACCIDENT E.L. DISEASE - EA EMPLOYEE ON(Mandatory in NH)If yes, describe underDESCRIPTION OF OPERATIONS belowY/NNMECIOWNEDAUTOS ONLYHIREDAUTOS ONLY-SXPOLICY EFFPOLICY EXP(MM/DD/YYYY) (MM/DD/YYYY)POLICY NUMBERE.L. DISEASE - POLICY LIMIT DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)Event Name:Event Type:Event date(s):No. of Attendees:CANCELATIONLYCERTIFICATE HOLDERSHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELEDBEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVEREDIN ACCORDANCE WITH THE POLICY PROVISIONS.ACORD 25 (2016/03)AUTHORIZED REPRESENTATIVE(c) 1988-2015 ACORD CORPORATION. All right reserved.The ACORD name and logo are registered marks of ACORD
IL P 001 01 04NOU.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGNASSETS CONTROL ("OFAC")ADVISORY NOTICE TO POLICYHOLDERSTNo coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of yourpolicy. You should read your policy and review your Declarations page for complete information on the coveragesyou are provided.This Notice provides information concerning possible impact on your insurance coverage due to directives issuedby OFAC. Please read this Notice carefully.LVAThe Office of Foreign Assets Control (OFAC) administers and enforces sanctions policy, based on Presidentialdeclarations of "national emergency". OFAC has identified and listed numerous:! Foreign agents;! Front organizations;! Terrorists;! Terrorist organizations; andID! Narcotics traffickers;as "Specially Designated Nationals and Blocked Persons". This list can be located on the United States Treasury's web site – http//www.treas.gov/ofac.-SIn accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entityclaiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National andBlocked Person, as identified by OFAC, this insurance will be considered a blocked or frozen contract and allprovisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be sucha blocked or frozen contract, no payments nor premium refunds may be made without authorization from OFAC.Other limitations on the premiums and payments also apply.PENMECILYONIL P 001 01 04 ISO Properties, Inc., 2004Page 1 of 1
Insured Name:Policy Number:Insured Address:POLICYHOLDER DISCLOSURENOTICE OF TERRORISM INSURANCE COVERAGENOTCoverage for acts of terrorism is included in your policy. You are hereby notified that the Terrorism RiskInsurance Act (the Act), as amended, defines an act of terrorism in Section 102(1) of the Act: The term “act ofterrorism” means any act or acts that are certified by the Secretary of the Treasury - in consultation with theSecretary of Homeland Security, and the Attorney General of the United States - to be an act of terrorism; to be aviolent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage withinthe United States, or outside the United States in the case of certain air carriers or vessels or the premises of aUnited States mission; and to have been committed by an individual or individuals as part of an effort to coercethe civilian population of the United States or to influence the policy or affect the conduct of the United StatesGovernment by coercion.LVAIDUnder your coverage, any losses resulting from certified acts of terrorism may be partially reimbursed by theUnited States Government under a formula established by the Terrorism Risk Insurance Act, as amended.However, your policy may contain other exclusions which might affect your coverage, such as an exclusion fornuclear events. Under the formula, the United States Government generally reimburses 80%, beginning onJanuary 1, 2020, of covered terrorism losses exceeding the statutorily established deductible paid by theinsurance company providing the coverage. The Terrorism Risk Insurance Act, as amended, contains a 100billion cap that limits U.S. Government reimbursement as well as insurers’ liability for losses resulting fromcertified acts of terrorism when the amount of such losses exceeds 100 billion in any one calendar year. If theaggregate insured losses for all insurers exceed 100 billion, your coverage may be reduced.-SThere is no premium charge for coverage for losses caused by acts of terrorism, as defined in the Act.Since coverage for acts of terrorism, as defined in the Act, is being provided in your policy you do not need to takeany action with respect to this notice.PEIf you have any questions about this notice, please contact your agent.NMECILYONPHN 005 IL 12 20Contains copyrighted material of National Association of Insurance Commissionerswith its permission.Page 1 of 1
HOW TO REPORT A CLAIMIn the event you experience any type of loss that this policy insures against, contact our claimsdepartment by phone or email with a summary of your claim, including:Policy numberName of the insuredDate and location of lossDescription of the loss and damagesNO Once the claims adjuster receives notification of your claim, they will follow up directly within a fewdays.TPhone:Email:LVACall us at: 877.248.3455Email us at ILYONGG PHN 001 02 21Page 1 of 1
Policy Number:Renewal of Number:COMMON POLICY DECLARATIONSNOItem 1. Named Insured and Mailing AddressAgent Name and AddressTLVASpecialty Advantage Insurance Solutions505 North Brand Blvd, Suite 1250Glendale, CA 91203,Item 2. Policy PeriodEffective:Expiration:At 12:01AM Standard Time at the Mailing Address Shown AboveID-SItem 3. Business DescriptionEvent Name:Event Type:Event Dates:No. of Attendees:Item 4.PEIN 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.BOILER AND MACHINERY COVERAGE PARTNMECIThis policy consists of the following coverage parts for which a premium is indicated. This premium may besubject to adjustment.PREMIUM Not CoveredCAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART Not CoveredCOMMERCIAL AUTOMOBILE COVERAGE PART Not CoveredCOMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART Not CoveredCOMMERCIAL PROPERTY COVERAGE PART Not CoveredCRIME AND FIDELITY COVERAGE PARTFARM COVERAGE PARTLIQUOR LIABILITY COVERAGE PART Not Covered Not Covered Not Covered Not CoveredLYPOLLUTION LIABILITY COVERAGE PARTONEMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART Not Covered Not CoveredPROFESSIONAL LIABILITY COVERAGE PART TOTAL: Premium shown is payable: at inception. EDEC 525 12 05Page 1 of 2
Item 5. FORMS APPLICABLE TO ALL COVERAGE PARTS (SHOW NUMBERS):TNOU.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") ADVISORYNOTICE - IL P 001 01 04POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE - PHN 005 IL 12 20CLAIM NOTICE - GG PHN 001 02 21COMMON POLICY DECLARATIONS - EDEC 525 12 05EXECUTION OF OFFICERS' SIGNATURES (BLANK) - B-G10779 09 01COMMON POLICY CONDITIONS - IL 00 17 11 98COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS - EDEC 526 12 05COMMERCIAL GENERAL LIABILITY COVERAGE FORM - CG 00 01 04 13CANNABIS EXCLUSION - CG 40 14 12 19ADDITIONAL INSURED - MANAGERS OR LESSORS OF PREMISES - CG 20 11 12 19ADDITIONAL INSURED - STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICALSUBDIVISION - PERMITS OR AUTHORIZATIONS - CG 20 12 12 19EXCLUSION - ATHLETIC OR SPORTS PARTICIPANTS - CG 21 01 12 19ABSOLUTE ASBESTOS EXCLUSION - ECG 21 510 12 99TOTAL POLLUTION EXCLUSION ENDORSEMENT - CG 21 49 09 99LIMITED FUNGI OR BACTERIA COVERAGE - CG 24 25 12 04ABSOLUTE LEAD EXCLUSION - ECG 21 512 12 99EXCLUSION - PERSONAL AND ADVERTISING INJURY LIABILITY - ENTERTAINMENT INDUSTRY - ECG 21626 12 05EXCLUSION - THROWING, KICKING OR PROJECTING OF OBJECTS OR PERSONS - ECG 21 629 12 05NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (BROAD FORM) - IL 00 21 09 08ABUSE OR MOLESTATION EXCLUSION - CG 21 46 07 98LIMITATION OF COVERAGE TO DESIGNATED EVENTS FOR TENANT USER'S LIABILITY INSURANCE ECG 24 560 12 05EXCLUSION - NON-PERFORMING ANIMALS - ECG 21 635 12 05EMPLOYMENT-RELATED PRACTICES EXCLUSION - CG 21 47 12 07AMENDMENT OF LIQUOR LIABILITY EXCLUSION - EXCEPTION FOR SCHEDULE PREMISES ORACTIVITIES - CG 21 51 04 13EXCLUSION - ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATARELATED LIABILITY - WITH LIMITED BODILY INJURY EXCEPTION - CG 21 06 05 14EXCLUSION - MEDICAL PAYMENTS - CG 21 35 10 01AIRCRAFT, AUTO OR WATERCRAFT EXCLUSION - ECG 04 586 12 05EXCLUSION - DESIGNATED ACTIVITIES - ECG 21 623 12 05EXCLUSION- FIREWORKS WITH EXCEPTION FOR CONCUSSION EFFECTS, FLASHPOTS ANDSMOKEPOTS - ECG 21 627 12 05LIMITATION OF COVERAGE TO DESIGNATED PRODUCTS - ECG 22 521 12 05EXCLUSION OF OTHER ACTS OF TERRORISM COMMITTED OUTSIDE THE UNITED STATES; CAP ONLOSSES FROM CERTIFIED ACTS OF TERRORISM - CG 21 71 01 15EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OR TERRORISM - CG 21 76 01 15COMMUNICABLE DISEASE EXCLUSION - CG 21 32 05 09OREGON CHANGES - DOMESTIC PARTNERSHIP - IL 01 42 09 08OREGON CHANGES - CANCELLATION AND NONRENEWAL - IL 02 79 09 08IDLVA-SPENMECIBy:ONCountersigned:Date:Authorized RepresentativeLYTHIS POLICY TOGETHER WITH THE POLICY CONDITIONS, COVERAGE PARTS AND FORMSAND ENDORSEMENTS, IF ANY, COMPLETE THE ABOVE NUMBERED POLICYEDEC 525 12 05Page 2 of 2
EXECUTION OF OFFICERS’ SIGNATURESIn Witness Whereof, we have caused this policy to be executed and attested, and, if required by statelaw, this policy shall not be valid unless countersigned by our authorized LYONG 10779 09 01Page 1 of 1
IL 00 17 11 98COMMON POLICY CONDITIONSAll Coverage Parts included in this policy are subject to the following conditions.NOA. Cancellationb. Give you reports on the conditions we find;and1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation.c. Recommend changes.T2. We are not obligated to make any inspections,surveys, reports or recommendations and anysuch actions we do undertake relate only to insurability and the premiums to be charged. Wedo not make safety inspections. We do not undertake to perform the duty of any person ororganization to provide for the health or safetyof workers or the public. And we do not warrantthat conditions:LVA2. We may cancel this policy by mailing or delivering to the first Named Insured written noticeof cancellation at least:a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; orb. 30 days before the effective date of cancellation if we cancel for any other reason.a. Are safe or healthful; orb. Comply with laws, regulations, codes orstandards.ID3. We will mail or deliver our notice to the firstNamed Insured's last mailing address known tous.3. Paragraphs 1. and 2. of this condition apply notonly to us, but also to any rating, advisory, rateservice or similar organization which makes insurance inspections, surveys, reports or recommendations.-S4. Notice of cancellation will state the effectivedate of cancellation. The policy period will endon that date.PE5. If this policy is cancelled, we will send the firstNamed Insured any premium refund due. If wecancel, the refund will be pro rata. If the firstNamed Insured cancels, the refund may beless than pro rata. The cancellation will be effective even if we have not made or offered arefund.B. ChangesThis policy contains all the agreements betweenyou and us concerning the insurance afforded.The first Named Insured shown in the Declarationsis authorized to make changes in the terms of thispolicy with our consent. This policy's terms can beamended or waived only by endorsement issuedby us and made a part of this policy.C. Examination Of Your Books And RecordsD. Inspections And Surveys1. We have the right to:a. Make inspections and surveys at any time;The first Named Insured shown in the Declarations:1. Is responsible for the payment of all premiums;and2. Will be the payee for any return premiums wepay.F. Transfer Of Your Rights And Duties Under ThisPolicyYour rights and duties under this policy may not betransferred without our written consent except inthe case of death of an individual named insured.If you die, your rights and duties will be transferredto your legal representative but only while actingwithin the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary custodyof your property will have your rights and dutiesbut only with respect to that property.LYONWe may examine and audit your books and records as they relate to this policy at any time duringthe policy period and up to three years afterward.E. PremiumsNMECI6. If notice is mailed, proof of mailing will be sufficient proof of notice.4. Paragraph 2. of this condition does not apply toany 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.IL 00 17 11 98Copyright, Insurance Services Office, Inc., 1998Page 1 of 1!
Policy Number:Renewal of Number:COMMERCIAL GENERAL LIABILITYCOVERAGE PART DECLARATIONSNOItem 1. Named Insured and Mailing AddressAgent Name and AddressTLVASpecialty Advantage Insurance Solutions505 North Brand Blvd, Suite 1250Glendale, CA 91203,Item 2. Policy Period-Item 3. Limits of InsuranceIDIN 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.-SGeneral Aggregate Limit Products/Completed Operations Aggregate Limit in the aggregatePersonal and Advertising Injury Limit Any one person or organization Damage to Premises Rented To You LimitMedical Expense LimitPEEach Occurrence Limit Form of BusinessCorporationJoint VentureCorporationLocations of All Premises You Own, Rent or Occupy:EXCLUDEDJoint VentureLLCPartnershipLLCOtherLYONBusiness Description:Event Name:Event Type:Event Dates:No. of Attendees:Any one premisesNMECIItem 4. Description of Business and Location of PremisesIndividual EDEC 526 12 05Page 1 of 3
Item 5. Premium SummaryEstimated Annual Premium:Premium Due at Inception:Loc.No.ClassificationNOExhibitions - OutsideExhibitions - In BuildingsSub Total1Additional Coverages:TPolicy Premium:Municipal Tax ():CodeNo.43424e63217eRateAll OtherPrem/OpsPremiumBasis(m) PremiumAll OtherPrem/OpsN/A N/A RateAll OtherPrem/OpsPremiumAll OtherPrem/OpsCodeNo.PremiumBasis0444440.000.00N/A 0N/A43424e63217e(m) N/A N/ALVATRIA ("Certified" Acts ofTerrorism)Increased Damage to RentedPremises Limits Charge Total Premium: Audit Period (if applicable)IDState Premium ect to General Liability Coverage Part Minimum Premium of 75.00-SPENMECIPremium Basis:(a) Area(e) Each(g) Gross Production Cost(p) Payroll(s) Sales(m) Admissions(u) UnitLYONEDEC 526 12 05Page 2 of 3
Item 6. ENDORSEMENTS ATTACHED TO THIS POLICY:TNOU.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") ADVISORYNOTICE - IL P 001 01 04POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE - PHN 005 IL 12 20CLAIM NOTICE - GG PHN 001 02 21COMMON POLICY DECLARATIONS - EDEC 525 12 05EXECUTION OF OFFICERS' SIGNATURES (BLANK) - B-G10779 09 01COMMON POLICY CONDITIONS - IL 00 17 11 98COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS - EDEC 526 12 05COMMERCIAL GENERAL LIABILITY COVERAGE FORM - CG 00 01 04 13CANNABIS EXCLUSION - CG 40 14 12 19ADDITIONAL INSURED - MANAGERS OR LESSORS OF PREMISES - CG 20 11 12 19ADDITIONAL INSURED - STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICALSUBDIVISION - PERMITS OR AUTHORIZATIONS - CG 20 12 12 19EXCLUSION - ATHLETIC OR SPORTS PARTICIPANTS - CG 21 01 12 19ABSOLUTE ASBESTOS EXCLUSION - ECG 21 510 12 99TOTAL POLLUTION EXCLUSION ENDORSEMENT - CG 21 49 09 99LIMITED FUNGI OR BACTERIA COVERAGE - CG 24 25 12 04ABSOLUTE LEAD EXCLUSION - ECG 21 512 12 99EXCLUSION - PERSONAL AND ADVERTISING INJURY LIABILITY - ENTERTAINMENT INDUSTRY - ECG 21626 12 05EXCLUSION - THROWING, KICKING OR PROJECTING OF OBJECTS OR PERSONS - ECG 21 629 12 05NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (BROAD FORM) - IL 00 21 09 08ABUSE OR MOLESTATION EXCLUSION - CG 21 46 07 98LIMITATION OF COVERAGE TO DESIGNATED EVENTS FOR TENANT USER'S LIABILITY INSURANCE ECG 24 560 12 05EXCLUSION - NON-PERFORMING ANIMALS - ECG 21 635 12 05EMPLOYMENT-RELATED PRACTICES EXCLUSION - CG 21 47 12 07AMENDMENT OF LIQUOR LIABILITY EXCLUSION - EXCEPTION FOR SCHEDULE PREMISES ORACTIVITIES - CG 21 51 04 13EXCLUSION - ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATARELATED LIABILITY - WITH LIMITED BODILY INJURY EXCEPTION - CG 21 06 05 14EXCLUSION - MEDICAL PAYMENTS - CG 21 35 10 01AIRCRAFT, AUTO OR WATERCRAFT EXCLUSION - ECG 04 586 12 05EXCLUSION - DESIGNATED ACTIVITIES - ECG 21 623 12 05EXCLUSION- FIREWORKS WITH EXCEPTION FOR CONCUSSION EFFECTS, FLASHPOTS ANDSMOKEPOTS - ECG 21 627 12 05LIMITATION OF COVERAGE TO DESIGNATED PRODUCTS - ECG 22 521 12 05EXCLUSION OF OTHER ACTS OF TERRORISM COMMITTED OUTSIDE THE UNITED STATES; CAP ONLOSSES FROM CERTIFIED ACTS OF TERRORISM - CG 21 71 01 15EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OR TERRORISM - CG 21 76 01 15COMMUNICABLE DISEASE EXCLUSION - CG 21 32 05 09OREGON CHANGES - DOMESTIC PARTNERSHIP - IL 01 42 09 08OREGON CHANGES - CANCELLATION AND NONRENEWAL - IL 02 79 09 08IDLVA-SPENMECIBy:ONCountersigned:Date:Authorized RepresentativeLYTHESE DECLARATIONS, TOGETHER WITH THE COMMON POLICY CONDITIONS AND COVERAGE FORM(S)AND ANY ENDORSEMENT(S), COMPLETE THE ABOVE NUMBERED POLICYEDEC 526 12 05Page 3 of 3
COMMERCIAL GENERAL LIABILITYCG 00 01 04 13COMMERCIAL GENERAL LIABILITY COVERAGE FORM(2) The "bodily injury" or "property damage"occurs during the policy period; andNOVarious provisions in this policy restrict coverage.Read the entire policy carefully to determine rights,duties and what is and is not covered.(3) Prior to the policy period, no insured listedunder Paragraph 1. of Section II – Who IsAn Insured and no "employee" authorizedby you to give or receive notice of an"occurrence" or claim, knew that the "bodilyinjury" or "property damage" had occurred,in whole or in part. If such a listed insuredor authorized "employee" knew, prior to thepolicy period, that the "bodily injury" or"property damage" occurred, then anycontinuation, change or resumption of such"bodily injury" or "property damage" duringor after the policy period will be deemed tohave been known prior to the policy period.TThroughout this policy the words "you" and "your"refer to the Named Insured shown in the Declarations,and any other person or organization qualifying as aNamed Insured under this policy. The words "we","us" and "our" refer to the company providing thisinsurance.LVAThe word "insured" means any person or organizationqualifying as such under Section II – Who Is AnInsured.Other words and phrases that appear in quotationmarks have special meaning. Refer to Section V –Definitions.IDSECTION I – COVERAGESCOVERAGE A – BODILY INJURY AND PROPERTYDAMAGE LIABILITY1. Insuring Agreement-SPEa. We will pay those sums that the insuredbecomes legally obligated to pay as damagesbecause of "bodily injury" or "property damage"to which this insurance applies. We will havethe right and duty to defend the insured againstany "suit" seeking those damages. However,we will have no duty to defend the insuredagainst any "suit" seeking damages for "bodilyinjury" or "property damage" to which thisinsurance does not apply. We may, at ourdiscretion, investigate any "occurrence" andsettle any claim or "suit" that may result. But:(2) Our right and duty to defend ends when wehave used up the applicable limit ofinsurance in the payment of judgments orsettlements under Coverages A or B ormedical expenses under Coverage C.b. This insurance applies to "bodily injury" and"property damage" only if:(1) Reports all, or any part, of the "bodily injury"or "property damage" to us or any otherinsurer;(2) Receives a written or verbal demand orclaim for damages because of the "bodilyinjury" or "property damage"; or(3) Becomes aware by any other means that"bodily injury" or "property damage" hasoccurred or has begun to occur.e. Damages because of "bodily injury" includedamages claimed by any person ororganization for care, loss of services or deathresulting at any time from the "bodily injury". Insurance Services Office, Inc., 2012LY(1) The "bodily injury" or "property damage" iscaused by an "occurrence" that takes placein the "coverage territory";CG 00 01 04 13ONNo other obligation or liability to pay sums orperform acts or services is covered unlessexplicitly provided for under SupplementaryPayments – Coverages A and B.d. "Bodily injury" or "property damage" will bedeemed to have been known to have occurredat the earliest time when any insured listedunder Paragraph 1. of Section II – Who Is AnInsured or any "employee" authorized by youto give or receive notice of an "occurrence" orclaim:NMECI(1) The amount we will pay for damages islimited as described in Section III – LimitsOf Insurance; andc. "Bodily injury" or "property damage" whichoccurs during the policy period and was not,prior to the policy period, known to haveoccurred by any insured listed underParagraph 1. of Section II – Who Is An Insuredor any "employee" authorized by you to give orreceive notice of an "occurrence" or claim,includesanycontinuation, changeorresumption of that "bodily injury" or "propertydamage" after the end of the policy period.Page 1 of 16
2. ExclusionsThis exclusion applies even if the claimsagainst any insured allege negligence or otherwrongdoing in:This insurance does not apply to:a. Expected Or Intended Injury(a) The supervision, hiring, employment,training or monitoring of others by thatinsured; orNO"Bodily injury" or "property damage" expectedor intended from the standpoint of the insured.This exclusion does not apply to "bodily injury"resulting from the use of reasonable force toprotect persons or property.(b) Providingorfailingtoprovidetransportation with respect to anyperson that may be under the influenceof alcohol;b. Contractual LiabilityT"Bodily injury" or "property damage" for whichthe insured is obligated to pay damages byreason of the assumption of liability in acontract or agreement. This exclusion does notapply to liability for damages:LVAif the "occurrence" which caused the "bodilyinjury" or "property damage", involved thatwhich is described in Paragraph (1), (2) or (3)above.However, this exclusion applies only if you arein the business of manufacturing, distributing,selling, serving or furnishing alcoholicbeverages. For the purposes of this exclusion,permitting a person to bring alcoholicbeverages on your premises, for consumptionon your premises, whether or not a fee ischarged or a license is required for suchactivity, is not by itself considered the businessof selling, serving or furnishing alcoholicbeverages.(1) That the insured would have in the absenceof the contract or agreement; orID(2) Assumed in a contract or agreement that isan "insured contract", provided the "bodilyinjury" or "property damage" occurssubsequent to the execution of the contractor agreement. Solely for the purposes ofliability assumed in an "insured contract",reasonable attorneys' fees and necessarylitigation expenses incurred by or for a partyother than an insured are deemed to bedamages because of "bodily injury" or"property damage", provided:-SPE(a) Liability to such party for, or for the costof, that party's defense has also beenassumed in the same "insured contract";andd. Workers' Compensation And Similar Lawsc. Liquor Liability"Bodily injury" or "property damage" for whichany insured may be held liable by reason of:(1) Causing or contributing to the intoxication ofany person;(3) Any statute, ordinance or regulation relatingto the sale, gift, distribution or use ofalcoholic beverages."Bodily injury" to:(1) An "employee" of the insured arising out ofand in the course of:(a) Employment by the insured; or(b) Performing duties related to the conductof the insured's business; or(2) The spouse, child, parent, brother or sisterof that "employee" as a consequence ofParagraph (1) above.This exclusion applies whether the insuredmay be liable as an employer or in any othercapacity and to any obligation to sharedamages with or repay someone else whomust pay damages because of the injury.ON(2) The furnishing of alcoholic beverages to aperson under the legal drinking age orunder the influence of alcohol; ore. Employer's LiabilityNMECI(b) Such attorneys' fees and litigationexpenses are for defense of that partyagainst a civil or alternative disputeresolution proceeding in which damagesto which this insurance applies arealleged.Any obligation of the insured under a ent compensation law or anysimilar law.This exclusion does not apply to liabilityassumed by the insured under an "insuredcontract".LYPage 2 of 16 Insurance Insurance Services Office, Inc., 2012CG 00 01 04 13
f. Pollution(d) At or from any premises, site or locationon which any insured or any contractorsor subcontractors working directly orindirectly on any insured's behalf areperforming operations if the "pollutants"are brought on or to the premises, siteor location in connection with suchoperations by such insured, contractororsubcontractor.However,thissubparagraph does not apply to:NO(1) "Bodily injury" or "property damage" arisingout of the actual, alleged or threateneddischarge, dispersal, seepage, migration,release or escape of "pollutants":(a) At or from any premises, site or locationwhich is or was at any time owned oroccupied by, or rented or loaned to, anyinsured. However, this subparagraphdoes not apply to:TLVA(i) "Bodily injury" if sustained within abuilding and caused by smoke,fumes, vapor or soot produced by ororiginating from equipment that isused to heat, cool or dehumidify thebuilding, or equipment that is used toheat water for personal use, by thebuilding's occupants or their guests;ID(ii) "Bodily injury" or "property damage"for which you may be held liable, ifyou are a contractor and the owneror lessee of such premises, site orlocation has been added to yourpolicy as an additional insured withrespect to your ongoing operationsperformed for that additional insuredat that premises, site or location andsuch premises, site or location is notand never was owned or occupiedby, or rented or loaned to, anyinsured, other than that additionalinsured; or-SPE(b) At or from any premises, site or locationwhich is or was at any time used by orfor any insured or others for thehandling, storage, disposal, processingor treatment of waste;(c) Which are or were at any timetransported, handled, stored, treated,disposed of, or processed as waste byor for:(i) Any insured; or(iii) "Bodily injury" or "property damage"arising out of heat, smoke or fumesfrom a "hostile fire".(e) At or from any premises, site or locationon which any insured or any contractorsor subcontractors working directly orindirectly on any insured's behalf areperforming operations if the operationsare to test for, monitor, clean up,remove, contain, treat, detoxify orneutralize, or in any way respond to, orassess the effects of, "polluta
policy number: commercial general liability ecg 24 560 12 05 this endorsement changes the policy. please read it carefully. limitation of coverage to designated events for tenant userÕs liability insurance this endorsement modifies insurance provided under the following: commercial general liability coverage part liquor liability coverage part
