HomeMy WebLinkAboutCORRESPONDENCE - RFP - P614 PAVEMENT MANAGEMENT PROGRAM (13)i
0,7/15/97 WE 15:06 FAX 905 60- 2645 DEIGETON ASSOCIATES
' HPRDIMnNN MOU41UIWRD: Fax : 9056668086
Jul 14 10:47
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HARDIMAN MOUNT 6 RICHARDSON
INSt]RANCE BROKERS LIMITED
i 500 BROCK ST. S.
WXITBY, ON, L1N 4K7
(905) 668-1477
FAX (905) 666-8096
FAX COVER
DATE: July 14, 1997
TO: Deighton Associates Limited
ATTENTION: Robert Paine
FAX NUNNER: 905-697-2645
FROM: Jim Hardiman
NUMBER1OF PAGES ( INCLUDING COVER SHEET
RE: peighton Associates Limited
Commercial Policy 033 08126
COMMENTS:
he per your request, we are pleased to attached the
Comprehensive General Liability wording to the above mentioned
policy.
If you°have any further questions, please do not hesitate to
call our office.
Thanks
Jim Hatdiman
If you:do not receive all pages of this transmission, please
call (�05) 665-1477.
07/15/97 TUE 15:11 FAX 905 6P- 2645
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DEIGHTON ASSOCIATES
Jul 14 10:47
Ia. "Property damage" means :
a. Physical i nluy a tangible property• including all resulting less of use of that property: or
b. Loss of use of bmittle property that is not physically injured.
11_ "Y*w produar means :
IL Any geode of products, other than real property, manufactured, sold, handled, distributed or disposed of by
1) You;
21 Ohem trading under your name; or
!) A Pin or orgeMzation whose business or amen you hove acquired: and
b. Containers; (odrsr than vehides), mstarials, parts or equipment furnished in connection with such goods or products,
'Your produor includes warranties or ropmeorh®tions made at arty >Ime with respect to to 1fahms, quality. durability or performance
of any of de lima Included In a. and b. above_
'Your product does ties Include vending machines or other property remad to or located for the use of others but not said,
'Your produer does not Include coeds or products used for promotion, education or advertising and which one disolbuwd by you
without charge.
IL "Your teerr means ;
a. Work or operations performad by you or on your behalh and
b. Materfels, parts of etprfpmord furnished in nafrleodan with such work or operations.
'Your we*@ includes warrafhdn or ropresematons Matto at any tine wflh respect to the Pone®, quality, durabiYq or performance of
any of he flame Included In a. or b- above.
ADDITIONAL COVERAGES
Velunley Property Damage
1. Insuring A9teemad
M your Iegw6t we will at Our option, Subject to a maximum limb of SM either (a) pay for he actual Gogh value of property
physically Injured or destroyed during t Policy period which the- owner of the propa illy alleges Ia your fault or (b) repair or replace
such property with other property of Ilke qualify, and land.
2. Eadusl m
This aeverage doss non apply to injury or destruction
(a) of property owned by or rented to any Inured or" residont of your household: or
(b) caused intemboally by any insured over the age of Waive years.
2, Non•Cwrted Automobile ktauranee
We elm to indemnity you agako the liability imposed by law upon you or assumed by you under ooraraa (as defined in Ibis
Section) for loss or damage arising from he tree or operation of any automobile riot owned In whole or In part by or licensed in your
name, and resulting from (BODILY INJURY TO OR DEATH OF ANY PERSON OR DAMAGE TO PROPERTY OF OTHERS NOT IN
YOUR CARE. CUSTODY AND CONTROL:
Provided INet we shed not be Gable ;
(a) for Iny liability wlnidb arias from the tlm or operaton of any automobile while, petsm* driven by you I you are an individual: or
' (b) for any liability impoead upon any Oman oovered by' this insurance
(1) by any wadtaw etmpenaation law; or
(2) by arty law for your bed ly Injury or death or bodUy injury or death to any partner. officer or employee while engaged In your
business;
(c) for low or damage to properly, carried In or upon an aulamobile personally driven by any person Insured by this Insurance or so
arty property owned or rented by. or in the care. custody end control of cry such person; or
(a) for any amount in enters of she Unit of Insurer" shared In the Declarations and expenditures; provided to the Supplementary
Payments of Iles Section; subject always a the provklon of he Section of me Insurance Act (Automobile Insurance par)
relating to to Nuclear Energy Huard.
The ernluebns of Section C de net apply to thle Insurance.
Not applicable In the Province of Ontario.
ADDITIONAL AGREEMENTS OF INSURER
Where indemnify Is provided by this Insurance we agree :
(I) to to liable up to the minimum dmlt(s) prescribed W that jurheetion in which the accident eeaurred If that Imit(s) Is higher than
the Nmk statao in the Oeolaratloone; and
(i) not to ear up any defence to a claim chat might not be ant up if sets tnsurance were a motor vehicle liability policy Issued In any
Jul-* I-n in which the aocldsnt occurred
I Ia%(05.11) . t'
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LIABILITY OF INSURED TO REIMBURSE INSURER
VftM Indemnify is provided by tits Insurance you shall reWburse us, upon demand. in the amount which we have paid by restim
of fie provielens of any mium relating to automobile insurance and whidf we mould not oderwko be Gable to pay under fhts
Insurance.
GENERAL PROVISIONS AND DEFINITIONS
Additional Insureds
We agree to lndwnnify in eta same manner and to fhe same emat as If named herein as the Named Insured, awry Pamer.
dkew, offlaer, emplayes or shareholder who, with yefr cons"; parso ally d&m-.
(a) in year bueMae any automobile rot owned in whale or in part by or Goensed In the name of
p) the Named Insured; or
(r) Such Additional loused; or
(I) Any plem In to hoeseholdls) of which you Or eva h Additional Insured person is a m enbr; or
(b) any wlomobile I*od or leered in your name or In the name of such Additional Insured for use In your bulMas and for
Maidenly personal use except an aulm 1 Re owned In whole or In pea by r gaited In the nerve of euoh AdM Md
Inswed person.
2 Hired Auhant6lles
The Iscm 411red AulomobleW as used In Ihle INMPP a mars aumwbles hind Of leesed hem of M with r wietorn *Wnt,
used under your control in yaw business and hor hddentai PWWW use but dW net include any sulemeble owned in whole
or In W by or Iio need it your name or the name of any PartM4 dsedir, dicer, empbyes Or shanhhddr,
S. Two or Mee Automobile
When me or more autmnabiles are hrlued hrefinder to en. of this trsurancs shah aWIY sepaaley fo aeeh, but a motor
v*dde end a Oager or trailers aaadsd atarew shelf be hNd to he one automobilo is respects UMIN of Ineuftlnce.
4. Other Peer andiaene ;
The Supplsmemary Payments. DdOlots, and Condflors tbled Bs"My, Gnadian Currency, of Sectim O appy to 'hill
keurenee.
STATUTORY CONDITIONS
The heavy Conditions of fie Non-0wned•AfarhWe Polay s set out in the Insurance Act of the Proving M which this Section
is issued shag be dared to form part of fhw Seaton therein.
B.E.F. NO. N
EXCLUDING LONG TERM 10A4fiD VEHICLE ENDORSEMENT
M oc"Wnidert of to premium for which this Insurance is 'saved, it is underetwol and agreed that Item 2 (Hlmd Automobiles) of
Generd Provisions and DaInklats of the incurs Is hareby amended to read AS fellows :
The term 41Med Awomallla• as used In tfds Ineurenas mane, (a) automobiles hired or Mead from odors with dr+wrs or (b) hired
or Mased by you from WON wllhout driver for periods nos esaedahg So days, used under your control In the bwlness Hard in ere
Dedwaidens but dial not Include any automobile owned inwhole or In Pat by Or licensed In your name or any I~, ollioer Oremployee, gasp, a atleeWee praAdsd in u% arrdoroemeet all Imlts, tens, mndidrK, provisions, 'deflnitione and asdesbm• of
she InNainee ehdl have full force and efts,
ttalg (06,91) - to -
Q7/15/87 TTE 16:00 FAX 905 697 2645 DEIGHTON ASSOCIATES
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01997 Deighton Associates Limited. All Rights Reserved.
CAREFULLY READ THE FOLLOWING LICENSE AGREEMENT BEFORE
INSTALLING THE SOFTWARE. BY INSTALLING THE SOFTWARE, YOU
ACCEPT THE TERMS OF THIS AGREEMENT -
IF YOU DO NOT ACCEPT THE TERMS OF THIS AGREEMENT, YOU MAY
RETURN THE deighton PACKAGE TO DAL FOR A FULL REFUND,
PROVIDED YOU HAVE NOT INSTALLED THE SOFTWARE.
The following definitions apply to the terms as they appear in this agreement.
deighton: means Deighton Associates Limited_
DAL: means Deighton Associates Limited.
YOU and YOUR refer to any employee of the Agency that acquires or uses this
package.
PACKAGE: means the software, user's manual(s) and software protection
devices accompanying this agreement.
SOFTWARE: means the computer program, dROAD, dTIMS or dMAP which
has been supplied to you, together with all codes, techniques, software tools,
formats, designs, concepts, methods, and ideas associated with that computer
program. The term also includes all copies of any part of the software, as well as
the software protection devices, manual(s) and other printed materials supplied
by DAL under this agreement.
DAL grants you a nonexclusive license to use the software in this package
according to the terms set forth below.
You may:
• Operate the software on any computer which is equipped with the soft-
ware protection device, called the Sentinel Pro, and is within the geo-
graphical boundaries of the purchasing agency for the purposes of storing
data relating to the management of roadways and municipal infrastruc-
tures. The Agency may equip a maximum of 1 computer with each soft -
a7/15/97 WE 16:01 FAX 905 697 2645 DEIGETON ASSOCIATES [a00a
ware protection device and must maintain an inventory of the where-
abouts of each device.
• Make one backup copy of the software for each eligible computer as de-
fined above, which automatically becomes the property of DAL and is sub-
ject to this agreement. You must specifically label the backup disks as
BACKUP and that these disks are to be used for transferring the software
to an eligible computer and BACKUP PURPOSES ONLY.
You may not:
• Make the software available to any person or entity other than your em-
ployees, who must use the software as specified above under Permitted
Uses. You may, however, after written notification to DAL, transfer all
(but no lesser portion) to another person or entity, who in turn will be sub-
ject to this agreement.
Modify the software or merge it with another program, except for your
personal use on a single computer. Any modified or merged portion of the
software is subject to this agreement.
Reverse -engineer, disassemble, decompile, or make any attempt to dis-
cover the source code to the software.
• Translate or create derivative works based on the software.
• Remove, obscure, or alter any notice of the DAL. patent, copyright, or
other proprietary rights related to the software.
• Sub -license, sell, lend, rent, or lease any portion of the software.
• Copy any portion of the software, except to make a backup copy, as de-
scribed above under Permitted Uses.
• Operate the software on more than one computer at a time unless those
computers have the software protection device (Sentinel Pro) installed on
them. (If you plan to operate the software on a network, please contact
DAL to request a multi -use license.)
The software involves valuable proprietary rights of DAL and others. DAL
retains title to and ownership of the software and all patent, copyright, trade
secret, trade name, trademark, and other proprietary rights related to the
software. You may not violate these rights, and you must take appropriate steps
to protect DAL's rights. DAL may at any time replace, modify, alter, improve,
enhance, or change the software.
Both the license and your right to use the software terminate automatically if you
violate any part of this agreement. In the event of termination, you must
immediately destroy all copies of the software or return them to DAL.
07/15/97 TUE 16:01 FAX 905 697 2645 DEIGHTON ASSOCIATES IN04
DAL warrants that, upon delivery by DAL, the disks on which the software
program is distributed will be free from defects in materials and workmanship
and that the software will substantially conform to the specifications established
by DAL. DAL does not warrant that the software is free from all bugs, errors and
omissions. This warranty gives you specific legal rights, and you may also have
other rights, which may vary, with location.
If any of the software fails to comply with the warranties set forth above, DAL
will replace the disk or, at DAL's option, make a reasonable effort to correct the
program errors. You must, however, return all copies of the software, along with
a copy of your paid invoice, to DAL within 90 days of the date you received the
software. If DAL is unable to correct defective disks or program errors, DAL will
refund all or a fair portion of the price you paid for this package. The refund will
fully satisfy your claims for software or disk failure. Any replacement software
will be warranted for the rest of the original 90-day warranty period or for 30
days from the date you received the replacement, whichever is longer.
• BUG, ERROR, OMISSION, DEFECT, DEFICIENCY, OR NONCON-
FORMITY IN ANY SOFTWARE;
• IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS IF 90
DAYS HAVE PASSED FROM THE DATE YOU RECEIVED THE SOFT-
WARE;
• IMPLIED WARRANTY RELATING TO COURSE OF PERFORMANCE,
COURSE OF DEALING, OR USAGE OF TRADE IF 90 DAYS HAVE
PASSED FROM THE DATE YOU RECEIVED THE SOFTWARE;
• CLAIM OF INFRINGEMENT;
• CLAIM IN TORT, WHETHER OR NOT ARISING IN WHOLE OR IN
PART FROM DAL'S FAULT, NEGLIGENCE, STRICT LIABILITY, OR
PRODUCT LIABILITY;
• CLAIM OR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUEN-
TIAL DAMAGES, COVER, OR LOSS OF DATA, REVENUE, OR USE.
Any written or oral information or advice by DAL's dealers, distributors, agents,
or employees will in no way increase the scope of this warranty. Nor may you
rely on any such oral or written communication.
DAL is not responsible for maintaining or helping you use the software, except
through DAL's Registered User Support Service.
07/15/97 TUE 16:01 FAX 905 697 2645 DEIGHTON ASSOCIATES
2005
This agreement constitutes the entire agreement and supersedes any prior
agreement, between DAL and you concerning the contents of this package. DAL
is not bound by any provision of any purchase order, receipt, acceptance,
confirmation, correspondence, or otherwise, unless DAL specifically agrees to
the provision in writing. This agreement cannot be amended, modified, or
waived, unless the change is written and signed by an, authorized DAL
representative.
07/15/97 TUE 15:06 FAX 905 60' 2645 DEIGETON ASSOCIATES (aoa3
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OFFICE GUARDRITE -SECTION C
LIABILITY INSURANCE
Vatlous W*lve In this sawn restrfa oovera®e. Read sM entire Sedan eellsfuly No detsrmirw rights. dudes and what is and k net
so"rod, Throughout 6ds Bacillar the warn you- and you' later to the Named Insured shown In the Declarations. The words 'we', •us'
and 'eur felsr b the Company providing this insurance.
The wad Insured, MMM any Varian qualiyinq so such Under SECTION 11 - WHO IS AN INSURFO.
Otter words and phrases that appear in quotation mitts have special moaning.
COVERAGE A. OWLY NIJURY AND PROPERTY DAMAGE LIABItJTY
1, fnsudng Agirasnont
o_ V% ell pry amuse aunt that the Insured baoomee legally ob6p Od to pay as compensatory damage because of badly injury
of'pioperty damps' to which this Insurance applies, Me otlwr obligation or liability to pay sumo or perform am a services Is
� IO WOMAN 90WV proYited lac under SUPPLEMENTARY PAYLIENTS - COVFRAM A, 9 AND 0. This inalrina
'body ury and, 'properly damage' w" amum during the policy purled Tea 'badly injury' or 'property
damage• must be muted by an 'aawnenee'_. The 'ochalnmnee' must No place In the 'leaven►, lorrifory'. We well have the
right end duty to defend any 'aaioreweWg those awnpansatay damages but -
1) The amount we wall pay for oompensatay damages fs limited as described In secdton. IN . WITS OF INSURANCE:
2) Wig bweatlgale and sea only actiy claim of 'on• at our docroilan; and
e) Our and duly indefend end when are haw wed up the applicable IImR of
Inwranas in the payment of judgments or
sealanants urafw Covorags A, B or 0 or me , I expenses under Coverage C.
b. Comp MM7 damages because of -bodily injury' Include compensatory damages daimod by any parson Of orputratfan for
rose, lose of MOM or death resulting at any lime from the •badly irduy'.
a 'Property dgfrage' Mailis lose of use of tangible properly that Is tot physloally injured shrill be doomed ro occur at Me lime of
the 'coarrtlnae' that caused it.
2. Esaluslons
This Ineummm does rot apply to :
a. 'godly ,11Wyl or 'propery, damago' especaad or Intended Win the Shmick am of the Itwurod. Thle seclusion does mot apply m
bodily k*W weuldng from the we of Mason" few Is protect persons or Papery.
b. 410dly injury- or 'p W?W damage' for wW to Imitated Ise obka*d to pay oanparaal ry damages by reason of till
assumption of gab" in a Gornrrect or pearrnt This saeknefofl doss net apply to liability for comvaoeatory, damages '
2) IhK the Insured would ham in thettbance of dw conwaAssumed in a eviracc of reement Me Is an ImmIsedta�agreetnenf.
c, Any 9bil4efon of the piswaa wdw ;it warkara compensation, disabilly benmfi6 or unemployment compensation law or any
SWIM lair.
d. '9odlly Inlury am an emplayoo of the Insured arisng au of and In the course of empleyma t by so f wid.
This eaeknow apples :
a) Wholher the koursd may be liable as an employer or In any othof Capacity; and
b) To any obligation to share osrnpa W" damages wish a repay someone slam who must pay compensatory damagoo
because of des bljury.
This atdwion does na apply :
To Ilkbillq assumed by the f wW undo/ an. Inured eontraeT: or
l To employees on whose beholf•owttribWoas are made by or nigtdred ID be made by eve insured under fee ptavia10115 of
any W&tAM otwnpahsatloe taw,
e. 1) 'Badly injury- or-prepsrly damage' afiskg out of do awnarshfp, use or operaarnt by or on behalf of any insured of :
a) Any 'aummalsW:
b) Any motorises stow white or Is tolars;
a) Any veMde while being used In any spaad or demolition contest or In any smrntfng 4*ft-Of in Pro dam, Or prepamgm
for my such canefu or sa ll ity: or
d) Any vahkie weld% ill it were m be insured would be required by law to be insefd urttkr A contract evrds"Id by a.
motor vdhide liability policy, or rery YdMo trained under such a canuw, but this esduston does not aft ID the
owtwrship, use or epaesom at ma raq, apparatus or equipmart mounted on or aftaehod to any vehlole wMis at the
also of the use or eperarlon of much sclufpmont.
2) 'Badly Injdw)r or bropory damage• with rsspect to which any motor vehicle fiabiliry polity Is In effect or would be in steer
but for it belpina on upon exhaustion of Ills reds of liability or is required by law to be in effect.
This Eaclwfar a. does nut apply to -bony InlW m an empleym of the Insured on 01110w behalf contributions are mesa by or
requhed to be moo by tee insured under fee provision; of any workers compensation haw.
1. 'Redly 4ryury- or •prepay dam"r arising out of the mvrhehship, maintenance, use, operation. Ioadng or unloadng, of
onlausisment to others, by or an behalf of any Insured of any watercraft.
Thy esdualon dose nat apply to :
1) A woommiaR %t le ashore on promisee you men or renr,
2) A warar.Kae you do not own that Is :
a) Less than a metres long: and
b) Net being used to carry persons or property for a charge.
tides (OL61) • I
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- I ARDIMN MOUNT&RICHRRDS
DEIGIITON ASSOCIATES
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a) '®ody tiiury' o An employes of the froured on whose behalf contributions are made by or squired to be made by ihs
insured under the provisions of any workera oompensalion law,
g 7) 'fly Iniury• or 'prupsrty damage- arising out of dw ownership, maintenance, use, operation. lohading or unionding, or the
entrustment to others, by or on behalf of any insured of ;
a) Any akaah or
b) Any air cushion vehicle,
2) 'Bodfy Injury or 'property damage, arising out of the ownenehip, existence, use er operation by or on behalf of any insured
of any premises for the purpose of an airport or aircraft Ishdmg area and all operations necessary or Wadental tharero-
h- 'Property damage' to:
1) Property you own. rent or occupy:
2) Pnmises you sell, give away or abandon. if the -property damage• arises out of any part of those premiees;
9) Property caned to yw;
4) Pahaonal property In your ore, custody or tmntrot;
loaraghaph a) turd a) of this &inclusion do not apply to liability assumed under a "track agreement.
t UsltMly arising out of :
t) Property owned. operand by or managed by you or in your care, atslody, or control, other than that used by you (of office
purposes;
2) Structural &WakfM which involve changing the sags of or moving buildings or other auucsrles, new eoneauoaon or
damofidon Woredone psAonned by you or on your behaff.
I. -bodily inluty' er"Woporty damago' Included htlbin the 'pedfas eetnpteted operations hazard•.
k. 'BDdy Intl y', 'popery damage or "personal lnjury mial our e1 :
1) The rondorkg of or failure to render any Probations] service by or for you including
a) The, peparing, @Wwkg or failing to prepare or approve maps. drawings, reports, surveys, charge orders, designs or
trpadMgtiens; and
b) SuPov)sory, Inspection Of a(gineedng services of engineers. "Iwo and surveyors_
2) The rendering of or failure to render arty pmfessimml services by or for you in the performance of any claim, investigation,
adusorrant appraisal or audit safA®-
1, 'Body inlay', -property damage' or -personal Njuy' arising out of:
1) the nmdeft or fagure to render :
a) Medical. surgkw. dantal, *ay or ranting servles or usai mant
b) Any health Ganda or uestment; or
e) Any cosmetic of MMWW Service or treatment
This exclusion I, does not apply with respect b Immedisla modkal or W aid Treatment which Is 6tfrmkdswed by the Ineutvd
unless the hsumd Is In the business of providing modcal, BWghol, dental,.x-ay or numinl; somkoo or Treatment
M. Pollution Uabflly - Sao common •Eaalusloge,
n. Nuclear Enerpy LAIli ty - On Commah Exclusions.
o. War Flake - See General Exclusion.
COYERAG9 B. PERSONAL AND ADYERIlMNO INJURY UAWLITY
Inwring Agreerewrt
a We will pay those sums tat Cue insured becomee legally obligated to pay as compossal0ry damages because of 'personal
injury or •adiortoing Injury; to which this irmsarce apples. No other obfigaden or IMIIV to pay eums•or P0101 see or
servloss IS cornered unless explicitly provided for under SUPPLEMENTARY PAYME103 - COVERAGES A; S AND D. We will
haw The right and duty to defend any -actlon' noWng dross compensatory damages but :
1) The amount we wig pay for compensatory damages is limited as described in laden III • UMITS OF INSURANCE;
2) We may IMestigea and setts any claim or 'octen' at our deaadon; • .
S) Our rigftr and duy to defend end when we have used up the a"liicuble lime of irsurarue In dta payments of Judgements or
ssttgmems under Coverage A, a or D or medid expersea under Coverage C.
b. This insursnci applies to mpersonai Injury- only it ®used by an oflence
1) Cc Was in be •coverage torribry during the policy period; and
2) Arising out of The conduct of your business, esdduding advettsing. Publishing, Moadcals" or Miscasting done by or lea you.
e. The Insurance applies to `adverdskV imW only 0 caused by an eNerme committed
t) In the 'coverage tendmry• during the policy penned: and
2) In The *suns of a0vordsing your goods, product or services.
2 Exolwlono
This Insurance does not apply to
a, 'Personal "m or'adveNsing injury'
1) Arising out of oral or written publication of material. it dens W or at The direction of the irmf od with knowledge of In lalmy:
2) Arising out of oral or written publicedon of material whew first publication book place before des beginning of the POW
period:
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4) AllisFor " out of sfe wilful vial se of a penal stsluts or erdmance commiasd by or with to consent of the insured: or
4) Far whldn the tnaured has sea of
liabfflly i
cohtpansetory damages chn a contract or apneettlenl. This errcluslon does not apply le liability for
at the Insured would have in the absents of the contract or agreement. b. 'Advertising fojW arising out of :
1) Brandt or contract, ewer than misapproprWion of advertising Idoas undar an Implied contract:
2) The failure of goods. produem Or services to 00nlorm with advertised quality or "lormants;
3) The wrong description of Ibe pries of goods. products or setvim; or
4) An OfWWO cummiged by an insured whose businew is odrerkilg, becadessong, publishing or teleeaseng.
COVERAGE C. MEDICAL Expill"M
Insuring Agreement
a. We wan pay nrdoal expetpOO ss described below for roody Injury' caused by an accident
1) On premises you on Or rent;
2) On Ways next to p(Smilses you own or rent; or
3) Because of your opmationa.
Provided that :
a) Ths tttrddI takes paws in the coverage Wdlorf and during the Polley period;
b) Ths expense$ sm Incurred and reported is us widon one year of "dab of the sadden(. and
0) The 11-IrOd b. We will snake tlPerson wcnp 6IQ exsminason, at our expense, by physicians of our choice as cranes ao We ronsenably require.hatonable expenses for
psymemts regardless of fault. These Payments will net axtxad Qie ttpp )cable Imh Insurance. We InsuranWe will pay
1) First ald cue Ire time of an aoddent:
2) Necessary medical, surgical, x-ray Ind dental services, induft P=Mwc devices; end
3) Naaeeeary ambulance. hospital. Prefeaelortel nursing and funeral servkxhe.
2. Excluslons
WO 04, not pay expenses for -bodily injurr
A. To am Insured.
b. To a person hired to do work far or on beW of arty, hhsured Of a WWI of any rosined.
o, To a Petition Injured on that Pan of ptbmfaes you awn or rent that the person normfy occuples,
d. TO a Person, whether or net an employee of any Insured, who at theme of injury is entitled to banaAta under try workere
cOMPenastOn of disability benefits law or a similar law.
.. TO a person Injured while taking part in athlede.
f• The Payment Of which is prohibited by law.
0. Included "Ift to VM*Cb-oomPimd Operations hazard'.
h, ExckWsd under Coverage A.
COVERAGE D. TDIANTS' LEGAL LIABILITY
1. Insuring Agteernent
Yye will Pay Ihoae sums that r 4 insured becomes legally Obdgabd 10 pay as corePsnsafery damages beeaup of 'propery damage•
to which the ire0ri1lo9 applls. No other obligadon or liability is pay sums or perform sets or aarvioea Is covered unless explicitly
provided for under SUPPUMENTARy PAYMENTS - COVERAGES A, B AND D. This insurance applies any to -prOpOry damage• to premitbe mnbd to you or occupied by you. This insurance appfos only to 'property damage• which Occurs during the poky
Period. The 'Prepary damage• must be caused by an 'coaurenoa'. The •omx7ertoe• must take place in the •. Will have Me right and duty to defend any •action• welting doss compensatory damages but ; coverage srrllory, INe
a. The amount we wi pay for comPeneatory damages Is limited as dhbcrbed In sacpon III - LIMITS OF INSURANCE:
b• We mar 11*401 sale and sable any claim er •aeden' at our discretion; and
C. Our right and duty to defand and when we have used up to applicable limit of bnsurancs In the payment of Judgments or
991110ments under Coveragas A, S Or D OF M111 eh erpensaa under Coverage C.
2. Exclusions
This kleuranee does not apply to
a. 'ProPeny damages expected cur intended ham the Standpoint of the Insured.
b• 'P �� damage' which the insured is obfgaesd is Pay mrnpensetory damages by reason of the ai sumpifon of liability In a
Or g This exclusion does not apply to kbley far compensatory damages that the Insured would haws in cis
absence 00 the contract or agreement,
c. POR"I'On LkWtly - See Common Exclusions.
d. Nuclear Energy Liability • Sea Common Exclusions.
0. war Blake - See General Exelusion.
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HHRDIMHN MUMT&RICHHRDSI Fax : 9056668086 Jul 14 10:47
3. Dedj9disie
Amount of Deductible 1112so.00
it. Our obligation 00 pay Oempona" damaging on your behalf applies to the amount of Ocmpe"sstory damages in esagma of the
deductible amount stead alto%*.
It. The deductible amount applies b as compensatory damages because of ^property damega' as the result Of any one
'mourranW,
c. Tlw terms Of thlr. )nsuance, including those with nepea to
1) our right and duty to defend any 'action' *asking those compensatory damages: and
2) -your duties In the event of an 'ooamence', claim or motion;
apply l"OSpeodve of the aPpllation of the deductible amount.
d• WO may Pay any pan or all of the deductible amount to *Hoer settlement of any daim or 'sedon' and, upon notification of fits
notion taken, you Shall Promptly reimburse us for such pan of the deductible amotar as Fms boon plaid by us.
COMMON E=LUMONS - COVER"= A, C AND D
This lnauranea does not apply to
1. Pollution Liability
IL 'Oody injury or 'propprpy damage' ericing out Of the actual, alleged o► threatened dtedw ale, dispersal. Mean of astaipw list
pollutants
1) At or from premises o%med, lomW or ocioupied by an insured;
2) At Or from any " Or location ranted by W ter an insured or others for the handing, snorago, dlepohsal, pracassing or
teahrwnt of weals;
3) Which are at any time transported, handled, eared, Wanted, disposed of, or p roca"ad as waste by or for an Insured of any
POnm Of or)pniMdon for whom ate inwrod may be legally responsible; or
4) At or from any site or location an which an Insured or any contractors or subcontractors war" directly or indirectly on
behalf of an insured are performing operation :
a) 0 the pollutants are brought or, or to do Site or location In Warioedat With such operations; Or
b) 4 raw OParadang are to not lot, monitor, dean up, remove, canal", treat. detotiy or rwut*ko the pollutants.
b. Any lose, east, or sspOMS Oriaing out of Any governmental d4oedon or request that an insured am for, monitor, clean up.
Will e. contain, treat, deteKgy or neutralize pollutants.
Oub*wagrv^ 1) and 4) s) Of paragraph a_ of dtig exclusion do not apply to 'bodily injury' or'property damage' caused by
0 heat, @make or lunge from a hosda fire. As used In INS exclusion. a 'hmmo ire' means one which becomes unconvollable or
breaks out from where it wet inanded to be.
1) an Into W IONd or unintentional disdnarge, dispersal, releaas or escape of polluants provided such dledw giv, dispesal, release
or escape of pollutants :
A) result; In the Injurious presence of pollutants in or upon and, da'stmaaphem, drainage Sr &swage sysam. wateroouae or
body of wear; and
b) to datected wimin 120 hours afar the commencement of to discharge, dispensai, release or ascape; and
c) is roparwd w US within 120 hours of being dsteetsd; and
d) does mm odour In a quantity or with a quailly that is roudne or usual to the business of ew insured.
'PolluwMst' mows any sold. iqufd, gasseus or thermal Ifritem or contaminant, indudng smoke, vapor, stet, fumas, acids, alkalis,
chemicals and waste, Wasto Includes materials b be reg is 1, noomudmioned or reclaimed.
t Nuclear Energy Usbllhy
s. UabHl fy imposed by or arising *rem any nuclear isbigry sot, taw or Statute. or any lee smondaby thereof;
Is. 'sadily l 41W Or 'properly damage^ with respect to which an insoed under this Ssoion Is Was Insured under a contrad of
nudsar Onsryy dablity Inauannoe (whether the insured Is unnamed In Such oonaarx end whether or not it is legally anfannable
by the bmtrad) slued by the Nuclear Insurance ASasdatian of Canada or any uuwr insurer or group or pool or insurers or
would be an insured under any Such policy but jar Its termination upon exhaustion of its ink of Ilabliq
e. -9odly Inlay or -prapony damage nulling directly or Indirectly from the mueloar energy hattstd arising from
t) the oww,ship. mslnwnwha. eperwlen OF use of a nuclear tadfay by or an behalf of an a few ;
2) the furnishing by On l MFW of eenices- materials, Verb or equoriml In connection with the planning, construction.
malntenanos, operation or use of any nudear fa0w;
3) the POW0951on, oomtunption, usa, handling, dispose or satroportedon of fissionable substances• or of other radieaeave
material (except radksodre isotopee, away hem a nuclear lea'My, which have reached the final saga of fabrication se ea to
be useable far any aesntilic, mndieal, agricultural, commercial or Indusoial purpose) used, dlambuied, handed or eok by an
h cured.
As used in this Sealon :
1) The term 'nuclear energy hazare r means the radloadtive, toxic. explosive, or omen hazardous properties of (ad1osc*9 mawrial;
2) The term •raraeaod4e malerlel' means uranium, thorium, plutonium, neptunium, their reepwilve derivatives and compounds.
adloacWe isotopes of other elements and any other substances which may be designated by any rutdear Willy act, law or
statute, or any law amendatory Mated, as Doing Pfsse abed substances capable of releasing atomic energy, or as being
aquiois for tiro production, use or application of atomic energy;
3) the term *nuclear lat:aity means :
a) any apparatus designed or used to sustain nuclear fission in a self-supporting dwin reaction or to conain a critical mass of
pkttorhlum, twriurn and uranium or any one or more of them;
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b)
o)
any equipment Of device d01519rnod er used for (1) separating the isotopes of pfutonturn. datrfum and uranium or arty one ou
more of them, (it) processing or udri=ing spent fuel, or (11) handling, proosssMg a Paekagine worsts;
Any equipment or device used for the Uranium 2 labrlce y9 or alloying of plutanlum, ahorium Or uranium enriched In the
Nerepe uraniutm 233 or in the berope uranium 235, or arty one or more of them if at any time firs total amount of such
material in tiro eustady of the Insured at the premises when such equipment or device is lappet vardests of Or contains
more than 25 grams of plutonlum or uranium 233 or any combination thereof, Or more than
d) achy gructure, basin, exaaveton. Promises or lace ew grime of uranium 235;
matetlal; P prepared or used Ia ire storage er dkpoaud of wash rsdroacdve
and Includes ire SIM On which any of the fereWf"g Is premiss
looeled, together with all operatons conducted drareon and art
Used for such operations.
4) Tbs term 'fletdonoble subsiAoce means any proscribed substance that Is. or from which eon be obtained, a substance cspabte
Of releasing atemie energy by nuclear fission.
SUPPLE111E41TAAY PAYJAf M . COVERAGES A, S AND D
we will pay, with neepaot to any claim Or 'acdW ire defend :
A. NI expsns.s we Incur,
b, The adet of bends to release altscmrtatts, but only for bond amounrs vritlrn the apptip" limit of Insurance.
we 4o not haw
to kunish Press bonds
c. All mssonabfe etgettaes incurred by ire insured at cut request to acsilt Its 1n due L%Mtigaden Or defence of the claim or
'salon' inducing actual lose of eamhge up to SIM a clay because Of toe ON from work.
d. All costs sexed against due Insured in the 'action' and any imerea accruing after entry of Judgment Upon that pan of Pro
judgment which Ja wift due applicable Nark of Insurance.
Those payments will rot reduce the limits of insurance,
II - wHO IS AN IN3uRFo
1. If you are :
a. An "vldlaf, you and you spouse are ihaurads, but any with respect to the conduct of q business of which you are die wok
b. A psmsrship at joint v sum. you are an Insured, Your mambant, your p,rbten, and their Spouses are also Insureds. but scup
with respaot to the cerhduct of your business.
G. An Orgarift0 n other than a partner" or Joint "mure, you are an Insured. Your exacutive officers and dhecmrs are Insureds.
but only with respect to their duties as your officers Or directors. Your stockholders ere also Inauteds, but Only with respect to
treir (tablliy ss stocchotders.
t Each of the feaowN is also an insured :
a. Your employees, ether than your trxeaudve officers, but only for acts "in the sappe of their employment by you. However,
none of their employees is an inured for:
1) 'Badly Injury' o►'personal injtsy' 10 you or to a m-9111il ore while in the esurso of his or her ampoyment; or
2) 'Body igrry' or 'personal mealy to any patsen who At the dmO of Injury is entitled to benefits under any warlters
eempseheali0n Or disability benefits law or a similar law: or
3) -property dmnepe" 1e property awned or omupW by or nutted or lewd to chat emplayse, any of year other employees, or
any Of your perawrs .a mombeus (t you are a pa WwnhFp or joint venture).
b. Any person (other titian your empfoyoej, of any organization while aging as yaw real ostate manger,
a Any person or organization having pfca or bsmporery custody at your property 11 you die, but only :
t) With IWPM 10 liability wiling cut al the maintsnarros ar use of that property; and
2) Until your keeltspresentsdve has been appohled,
d. Your ]ago] llpraeenlalva it you do, but 0* wirh respect to duties as Such. That representative wtil have all your rights and
duties under this policy.
•. Any student or professional aaociats while acting an your behalf.
f. Each frtxsoa, firm, corporation Or gOva"e01 body for whom you have contracred to provide InetXance but only with respect to
Aabgity arleinl out Of your operations.
g. Owners of property leased to you where the ante Of the lease require you to provide insurance on behalf of the owner. but
only with reshveet to liability which affees out of the ownership of such property,
Any txganlzason you newly JAW" or loco, other pan a pentership or joint venaure, and Over which you maintain owneshlp a
m*ft interest. wig be deemed to be a Named Insured if there Is no other Similar insurance available to that Wont zatlon. However :
A' Coverage under this provision is affefded Only until the 90ti day after you swim or form ire Organization or the and of die
policy paled, whichever Is earlier;
Is. Coverages A and D de not apply to 'bodily injury or 'propany damage' that Occurred before you aequirad or footed the
Organization; and
C Coverage B does not apply 10 'personal in)ury- or �advard6ing injury• arl3ing out of an offense committed before you aoquited or
formed the organkolott.
No person or organizallen Is an Insured with respect m the conduct of any cement or past partnership or joint venture that Is not
shown as a Named Insured In the Declarations.
I IIIII (05.91) g _
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III • UMITS OF INSURANCE
t- The lmis of insurance tweed In Section C of the Deelaradona and the rules below to the meet we will pay regardless of to
number of :
a, Ire urede;
b. Claims made or 'aelions' brought; or
C. lowdOns or orWbtndoes making claims or bringing vaerlers',
2. The Eaoh Occurrence Umh is the meat we wiM pay for dw sum of :
a. Compensatory damaM under Coverage A. Coverage B, and Coverage D; and
b. Medical expenses unds► Coverage C;
because of aN -bodily injury-, 'persona) Injnry', •adveraslag injWy' and •property damage' arising out of any one 'occurrence•,
a, Subject to 2. above, the personal Injury Limit is Ore most we will pay under Coverage B for the gun of all compensatory damages
because of 04-Perl;onel injury' sustained by any one person or organization,
A. Subject to 2. above, the Advertising injury Umit is the most we will pay kr the sum of all Compensatory damages because of ail
-adverdalty injury' SWIMIned by one person or organization,
S. Subject to 2. Above, the Trtarris' Legal Uabilily Unlit Is the most we will pay under Coverage D for compensatory damages b9coust
Of 'popery damage" to any one promises.
a. Sot GM 10 2. above, Iha'Modnal Expanse Until IS Ace moss we will pay under Coverage C for all madloal expenses because of
too* insuir Welshed by MY one parson,
The limits of 'his policy ,apply separately 0 each Maas cudva annual perod and to any remaining period of less than 12 months. stoning
whit the beginning of to pefwy pedal shown in the Declarations. unkm the policy puled Is extended after bW&Wo for an additional
period of lass than 12 months. In that oeoe, the additional period wM be doomed part of the last p mding period for purposes, of
determining the Umbe of Insurance.
IV - CDNIXT10NS
t, fiankrupley
BarAmpicy or Insolveney of the insured or of the Insu ed's eslate wM not relieve us of our obligations under this Section.
2. Comdbn Currency Clause
All Imltt ol hw ma, premluma and otter amounts IS expressed Ice grit Section we in Canadian currency.
3, Chong"
This policy mntairs all lire agroements between you [red us concerning the insurance afforded, The first Named Insured shown in
the DodrsdoN 18 authorized to make clrangis In the terns of this Section with our oenson6 The Sadom's toms can be amended
or waived only by endorsement issued by us and made a pan of Ohio Section.
a, Omits In the Event of Occurmam Clabt or Action
IL You must see to it dial we we noftd promptly of an -occurrence- which may result in a claim. Notice should include
1) Now, when and where the-00ourform- look plea; and
2) The names and - 11 - -as of any Injhxod persons sal of witnesses,
h. N a dalm Is made or •action• is brought agaVo any InaurAd,'you must see to It that we receive prompt written node of the
claim or •todon'.
c, YOU and any .Ogler involved insured rust;
1) Immediately send us Copies of any demands, notices, summonses or legal papers received In oorhretdm with the claim or
-wd�..
2) Auttofizo us to obtain neeords and otfmr infOrmaten;
9) Cooperate with us In the Imrasligation, settlement or defence of the claim of -aedon'; and
a) Assist us, upon our request, in the enforcement of arty right against sty person or orgarozafioo which may be liable to the
Insured because of injury or damage to which this irsuranos may also apply,
d. No insureds will. except at their own cost, voluntarily make a payment. asetnns any obligation, or incur any expense, other than
for first aid, without orx consent.
S. Inspootlone and Surww
1Ne have the right but are not obligated w :
a. Make inspsetierho and surveys at any ome;
b. 01re you spouse on dire conditions we find; and
C. Recommend any charges.
Any inspections, surveys, foPo►b or recommondatiene M12M tiny to insurability and fie premiums to be charged. We do not make
safely Irspoetione, 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 oondgone :
a. Are tab or hoaithful; or
b. Comply with laws, roguhasons, codes or standards.
This awolldon applies not only to us. but also to any rating, attveary, rate service or similar organisation which makes insurance
In$Psodens, surveys, reports or retammendailons.
..Age 1/ fit.% _ a
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la 009
6- Legal Action AgOnK Us
No person Or Organfialon has a right under this Seedon ;
a. To On us as a party or otherwise bring ua [nib an 'action' asking for eomporesatory damages from an insured; or
b. TO aus us oh this $scden unless as of IN terms have bean Nly complied with.
A parson or organization may sue us Io recover on an agreed settlement or on a Mal Judgment against an insured obtained afar an
actual vial; but we will not be sable for oumpematory damages that are not payable under ore wane of INS Section or that are In
excess of ate applleable limit of Insurance. An noreed asulamonl means a seaiousurt and "on of liability signed by us, the
insured and to claimant or site olahmanrs 119921 Mpesanrative. Every 'aeden' or proceeding against us sham be comtnsnesd Within
ens ysar next after the dots of such Judgment Or agreed willamam and not afterwards. If this policy is governed by the law of
Ouobae ovary action or proceeding against as sham be commenced within three years from the time the right of action arises.
7. 011ter insurance
If other valid and collectible insurance is available to the insured for a bets we cover under Coverages A. B or D of this Section our
obligations are Imlted as follows :
a. Primary Insurance :
This insurance Is primary except when b, below applies. If this Imurarhoe is prfmary, our, oblgaiiots are not affected unless arty
of the ate► Insurance to sire primary. Then, we will share with all that other inetiraneo by the method described in a. below,
It. Excess ktsunutoa ;
This Insurance b exams over any of the other insurance, whether primary, ozone. contingent or en any other basis
1) That Is Property lnsurefxo such all. but not mind lo, Flea, Exlanded Coverage, Builders Risl4 Insulation Fgek or similar
coverage for ieur worn' or for premises rstttsd b you; or
2) I his boa 040 out of dw martW4= Of his of wattroaR b fn senora not subject 0 Exclowart f. oI Co;W" A (section 1)
When his hatranos Is excess, we WE have no duty under Coverop A, B or D to defend any clam" or -Milan' that arty other
insurer has a duty to defend, If no other insurer deletes, we wIl undertake to do se, but we will be onlid" ro al this irouteds
right; against ON those other Inauters.
When atfa i+arranea Is excess over other insurance, we aril pay only our share of the amount of the lass, A any, that exceeds
the sum d :
1) The land amount that all such Oder Insuranca would pay lor the lose In One absence of dit insurance; and
2) The total of all deductible and wiNnsuted amaunn under all Owl olhwr insurance,
We w7 share the remaining lea, If any, with arty other insurerras Oct is net described In this Excess Insurance pmvfwon and
was net. bought spook* to apply In excel of The Limits of Insurance shown in Section C of the Dselaratone.
C. MWW of Sharing
If aI of fee other insurance permits contribution by equal shares, we will follow this method also. Under We approach each
insurer eoneibulm aquas 11mourns W M it hall paid its aPPHO" limit of Insurance or none of she Ives rentaie, whichever
comes Trot It any of the other Insurance does not permit contribution by equal. shares, we will eantdbute by Imis. Under this
method, sad► Insurere share is based on the ratio of is applicable knit of insurance to Ice lael applicable ranks of insurance
of all inure.
s: Premiums
The Mat Named Insured shown in the Declarations :
a- IS resptxisibte lor to payment of all premiums; and
b. Will be the psyae for any ►earns premnims we pay.
9. Representations
By accepting this polor you agree :
a. Thor statements in the 0"almWom ara scoomes and mmplels;
b. T hoax steemwnte are based upon representations you made to hit; rued
a We haw WYed This Section in rsiseoe upon your representations.
10. Boporallen of Insureds, Croce L)ebMt y .
Except with sniped Is [he [Jmhe of Insurance. and arty rights or dudes spoclficaly assigned to Ie first Named Insured, this
Insuramn applies :
a, As if each Named insured ware the only Named Insured: and
b. Separately to each insured against whom daim is made or 'aalon' is brought.
11. Transfr Of RIgMe et RohmveryAgalmi Otnsra to Us
If ifs insured has rights to recover am or pan of any payment we have made under this Bastion those rights are transferred to us.
The Insured troll do nothing afar lose to impair them, At Our request, the insured will bring •action' or transfer those dots to us
and help w onlerce them.
1$ Transfer of your Rights and Duties Under this Secili m
Your rights and duties under this Section may not be transferred without our written cement except In to one of deatih of an
Individual Named Insured,
d you dig. your rfgh■ and dudes will be transferred to your legal repmsernadre but only while acting within the amps of duties as
your legal reps oniadve. Until your legal representative is appointed. anyone having proper nnnponmy aawdy at your prapony will
haw yaw light and duties but only with respect to that propony,
+lass (asAst) -7-
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HRRDIMRN MOUVT&RICHARDSL Fax : 9056668086 Jul 14 10:47
Y • DEFINITIONS
1, "Aotiat" means a h;vti prooeednA In which companamory damsgoe because of 'badly injury-• 'property damaw, 'psm"M injury'
or •advartising injury, to which this insurance applies are alleged. 'Action' includes an wblradon proceeding alleging such damages
10 which you must sUbmlt Or ellblrtit trllh Our oOnsenL
2. 'Advordeing injury- means injury arising cord of one or mere o! the following ofkrm= :
a. Ord or wdhen pubgoalion at material ;hat standors or libels a person or organization or dfkpaages a porson's or organization's
goods, products or services:
It. Oral or written publication of material that violates a pemews right of pdvery;
o- HeoPProPflufan of advertising ideas or sww of doing buairaw; or
d. Inlringement of copyright, We or slogan.
3. 'Aatomobhr mature any salhpropelled land moron vehicle, Usher or semi -tracer (Inaludng machinery, aapanswa. or equipment
94whed thereto) which is Principe* designed and is heing used for tranpona;on of pencil or property on Public roars,
a• "sedgy bdwy'• means bO* i*ly. sidohess or disease suaWned by a pernan, including daafh resulting from any of these at any Ime.
5_ "covBage terMwry" mews:
a. Ganrtde and;N Unhed Sales of America (kudufd i; its territories and possessions):
It, Inlemational Were, or airspace• provided On Injury or damage does not occur in the course of travel or transportation to or
from any place net Included in a above; or'
O. All parts at the world if :
1) The misty or damage arbes Out of the activities of a portion whose home is in be terflro►y described in a_ above, but to
away for a anon dme on your buafnew. and
2) The Insuredfs responsibility to pay eompensatory:ilamages is determined In an �acdon' an the merits. In the erritory
described In a. above or in a settlement we agree to in writing.
6. 'Insured aon*W mean :
a. A Ism of prams:
b. A akfesaok agreement
e, M statement w Items agreement in connection with vehicle or pedestrian private railroad crossings at grade:
d. Any other eaeament apeamaM;
a. An imaemnilh;atiort of a mtuddpatiry as requked by ordnance, a o$FR In connection with work for a municipality;
L An elevator Inainamenigti agreemam: or
o. 1ha1 pan of any other cararaet or agreement per aining as your business under which you assume d» son frablllry of another to
pay somparestory d'rragaa harause of bodily in)utyr of 'property damage' to a fhad pesos or oganin;on, If the contract or
sgmement is roads prior so the 'badNy kn*f or 'property damage. Ton liability means a gabllfy that would be imposed by law
in the absence of any done= or agreement.
An 1naured convect' does not include that pan of -any aontrect or agreement that indemdpes an arahitaer, ongineer or suthrsyor for
k*ry or domage arising out of :
a) Preparing, approving or failing to prepare or approve maps, d rtWngd, opinime, reports, surveys, denga ordsm, deagne or
speolkadons;or
b) 191ving directions or Instnssons, or killing to give them, if that is the primary cause of ft irtiury or demege.
7. 'Ooeurrenee" moans an aacldem, including cominveiis or repeated agosum to substantially the same general harmful conditions.
0. "Personal lrqury" means injury, c;wr than •body injury', arising Out of one or more OI the following oneness :
a. False affeA detention or Imprisonment:
4. Mdiclorrf pteaaaXion;
rr. WronglM entry into. or eviction of a person Imm, a room, dwellino or ptemiew that the Person occupies:
d. Oral or written pubNoadon of mardab that slanders or libels a person W orgarhaatian or dopaages A paraon's Or organizallon'c
goods. I- W ,aI or sorvioes; or
e. Oral Or written publication of material that violates a psnion's right of privacy.
e. a. 'Preducts•complawd op ualleaa haesrd• Includes all 'bodily Injury' and 'properly damage' occurring away from premises you
own or rent and a doing out of 'Your pfOWer or yew work' weeps :
1) Products that am still In your physical possession; of
2) Work that has not yet been compleed or abandoned.
b. -Yaw work' will be deemed completed at the earliest of the following times :
1) When all of the work celled for in your contract has bW complalod,
2) When all of the work w be dale at the she has been completed 0 your 00nv= calls for work at more ahem ona she.
®) when that pan of ova& done at a job site has been put to Its intended use by any person or organlzaflon other than
another contractor or aubeenuslotor waking on the sane project.
Work that may need servos, maintenance, correction, repair or replacement, but which Is oft w150 complain, will be treated an
completed.
o. This haaard does oat Inekhde 'bodily Injury' or -property damage• aflaing out Of the exiinowe of took, uninetalled equipment or
abandoned or unused materide,
11655 (05,91) • B
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