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Home My WebLink About1 - Original Submission_ Petersen Brothers Ins08/04/2021 HENTSCHELL & ASSOC INC 1436 S. Union Ave. Tacoma WA 98405-1925 Sue Martin (253) 272-1151 (253) 272-1225 SueM@hentschell.com Petersen Brothers, Inc. 2008 East Valley Hwy Sumner 98390 Phoenix Insurance Company 25623 Travelers Ind Co Of CT 25682 Travelers Property and Casualty Co of America 25674 Great American Insurance Company 16691 *2020/2021 GL AU UM A Employers Liability (Stop Gap) Limited Jobsite Pollution CGD173 CGD211 (01/04) Y Y DT-CO-526D9518-PHX-20 11/01/2020 11/01/2021 1,000,000 300,000 10,000 1,000,000 2,000,000 2,000,000 B Y Y 810-0L622021-20-26G 11/01/2020 11/01/2021 1,000,000 C 10,000 Y Y CUP-4R705623-20-26 11/01/2020 11/01/2021 1,000,000 1,000,000 See Below for Excess A DT-CO-526D9518-PHX-20 11/01/2020 11/01/2021 1,000,000 1,000,000 1,000,000 D Excess Liability - Following Form Occurrence Form TUE0196246 11/01/2020 11/01/2021 Limit per Occurrence $5,000,000 Limit per Aggregate $5,000,000 [Job #: 21-098 Job Type: ] RE: TRACYTON BEACH RD GUARDRAIL Certificate Holder is included in Blanket Additional insured as required by written contract or agreement as perattached forms listed below: General Liability: CGD 246 (04/19) Blanket Additional Insured including Completed Operations; CGT100 (02/19) Primary Non-Contributory; CGD 316 (02/19) Blanket Waiver of Subrogation; CGD211 (01/04) Per Project Aggregate; Automobile CAT353 (02/15) Additional Insured & Waiver; Auto Extension CAT474 (02/16) Additional Insured Primary Non Contributory. Umbrella: EU0001 (7/16) Excess Liability Following Form. City of Bremerton Public Works Dept 345 6th St, S #100 Bremerton WA 98337 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. INSURER(S) AFFORDING COVERAGE INSURER F : INSURER E : INSURER D : INSURER C : INSURER B : INSURER A : NAIC # NAME:CONTACT (A/C, No):FAX E-MAILADDRESS: PRODUCER (A/C, No, Ext):PHONE INSURED REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. OTHER: (Per accident) (Ea accident) $ $ N / A SUBR WVD ADDL INSD THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE 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. $ $ $ $PROPERTY DAMAGE BODILY INJURY (Per accident) BODILY INJURY (Per person) COMBINED SINGLE LIMIT AUTOS ONLY AUTOSAUTOS ONLY NON-OWNED SCHEDULEDOWNED ANY AUTO AUTOMOBILE LIABILITY Y / N WORKERS COMPENSATION AND EMPLOYERS' LIABILITY OFFICER/MEMBER EXCLUDED?(Mandatory in NH) DESCRIPTION OF OPERATIONS belowIf yes, describe under ANY PROPRIETOR/PARTNER/EXECUTIVE $ $ $ E.L. DISEASE - POLICY LIMIT E.L. DISEASE - EA EMPLOYEE E.L. EACH ACCIDENT EROTH-STATUTEPER LIMITS(MM/DD/YYYY)POLICY EXP(MM/DD/YYYY)POLICY EFFPOLICY NUMBERTYPE OF INSURANCELTRINSR DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) EXCESS LIAB UMBRELLA LIAB $EACH OCCURRENCE $AGGREGATE $ OCCUR CLAIMS-MADE DED RETENTION $ $PRODUCTS - COMP/OP AGG $GENERAL AGGREGATE $PERSONAL & ADV INJURY $MED EXP (Any one person) $EACH OCCURRENCEDAMAGE TO RENTED $PREMISES (Ea occurrence) COMMERCIAL GENERAL LIABILITY CLAIMS-MADE OCCUR GEN'L AGGREGATE LIMIT APPLIES PER: POLICY PRO-JECT LOC CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) CANCELLATION AUTHORIZED REPRESENTATIVE ACORD 25 (2016/03) © 1988-2015 ACORD CORPORATION. All rights reserved. CERTIFICATE HOLDER The ACORD name and logo are registered marks of ACORD HIREDAUTOS ONLY DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A Petersen Brothers, Inc. 00000273 HENTSCHELL & ASSOC INC 25 Certificate of Liability Insurance: Notes The City, its officials, employees, agents and volunteers are additional insureds per written contract ACORD 101 (2008/01) The ACORD name and logo are registered marks of ACORD © 2008 ACORD CORPORATION. All rights reserved. THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM, FORM NUMBER:FORM TITLE: ADDITIONAL REMARKS ADDITIONAL REMARKS SCHEDULE Page of AGENCY CUSTOMER ID: LOC #: AGENCY CARRIER NAIC CODE POLICY NUMBER NAMED INSURED EFFECTIVE DATE: DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB L TYEAELII T IS ENDORSEMENT CHANGES T E POLICY.PL ASE READ IT CAREFULLY.H H E BLANKET ADDITIONAL INSURED Thi e dorseme t m d fie i surance prov ded under he f l o ing:s n n o i s n i t o l w COMM RCI L G NERAL IAB LI Y COVERA E PARTEAELITG Any "bodily injury","property dam ge"oar "pe sonal injury arising out o the prov di g,r "f i nThefolowingiaddedtols or fa l re to provde,any pro e sionaliuifs: arch te tural engineer ng o surv yingic,i r eAnypersonooganzatonthatyoagreeinarriiusevce,ncl ding:r i s i uwritenconractoragreemnttoinludeaanttecs addi ional i sured o thi Cov rage Part i atnnsesn The preparin ,approv ng,or fa li g togiin i sured,ut onlynb:prepa e or approv ,ma s,shoprep drawi gs,opin on ,reports,surv y ,n i s e sWihrepettolabiityfo"bodily injury otscilr"r fi l orders or change orders,or theed"prope ty dam ge that o curs,or fo "perso alra"c r n prepa i g,approv ng,or fa l n torniiigijuycasedbyanofesethatiscommttednr"u f n i , prepa e or app ov ,drawings andrresubsequenttothesigningofthatcontractor ag ee ent and while tha pa t o the contra t ormtrfcr spe i i a io s;andcfctn ag ee ent s in e fe t;andrmifc Su erv so y,in pe t on,archi ect ral opirsciturIfadonlytotheexentthatsuchinjuryo,n t ,r engineerin a t v t e .g c i i i sdamaeiscasedbyatsoomssiosoyoogucrinfur Any "bodi y inju y or "prope ty dam gelr"r a "y ur subco tra tor in the perfo m nce o "y uoncrafor caused by "y ur work an in luded in theo"d cworktowhichthewritencontatoragreemen"t r c t "produ ts-com leted o erat on hazardcppis"appl e .Such person or organiza ion doe noistst un ess the wri ten cont a t o ag ee entltrcrrmqualfyaanaditionalinuredwithrepecttoisdss the independent a t o omssions o such spe i i a ly requi escsrifcfclr y u to provde suchoi pe son or organizationr.cov rage fo that addi ional in ured durinertsg the oli y pe iod.p c rTheisuranceprovdedtosuchaditonalinsuredisnidi subje t o he o lo ing p ov sions:c t t f l w r i The ad itional insured m st com ly with thedup If the Lim t o In uran e o thi Cov rage Part fo lowi g dutieisfscfselns: shown in the De laratio s ex eed the m nim mcnciu Giv us wri ten no i e as soon a pra tica leettcscblmtrequiedbythewrittencotratoiisrncroan"o cur en e o an o fe se whi h m yfcrc"r f n c aageeent,the i surance prov ded to thermni re ult i a clai .To t e ex en possible suchsnmhtt,addi ional insured wil be lim ted to suchtli no ice should in l de:t c umnimmrequiredlimts.Fo the purpo e oiuirssf de erm nin whether thi lim tatio applie ,thetigsins How,when an where the "o cur en edcrc"m nim m im t requi ed by the wri ten co tra t oiulisrtncr or o fe se too pla e;f n k cageeentwillbecosideredtoincludethermn The nam s and addre se o any inj redessfumnimmlimtsoanyUmbelaoExessiuifrlrc pe sons an witne se ;andrdsslabltycovragerequiedfotheaddiionaliiierrt i sured by that writ en cont a t o agreem nt.n t r c r e The nature and lo ation o any inj ry ocfurThiprovsionwillnotincreaethelimtosisisfdamaeariingoutothe"o cur en egsfcrc"i suran e de cribed in Se tioncscn Lim t Ofis or o fe se.f nInurance.s If a cla m is ma e or "sui "i brought agai stidtsnTheinsuranceprovdedtosuchaddiionalit the ad it onal nsureddii:i sured does not ap ly o:n p t Pa e 1 o 2gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LITYEAELI Im e ia ely re ord the spe i i s o themdtccfcf Te der the de ense and i dem i y o anynfnntf cla m or "suit an the date re eiv d;and cla m or "sui "to any prov deri"d c e i t i o othefr i suran e which woul cov r such addi ionalncdetNoiyusasooapractiableandseetfsnscisuredfoaloswecovr.Howev r,thisnrseetoitthatwereeivwritennotieothecetcfcondiiondoenotafctwhethethetsferclamor"suit a soon a pra ti ablei"s s c c .i suran e provded to such addi io alncitnImeiaelysenduscopesoalllegalmdtifisurediprimaytooterinsurancensrhpapesreceivdinconnetonwiththeclairecimavilaletosuchaddiionalinsuredwhihabtcor"sui ",coopera e wit us in thetth cov r that person or organi ation a aeszsivstigatonosetlemntotheclaimoneirtefrnameisuredadecribediParagraphdnssn,de e se against the "sui ",and o herwisefntt Ot e In uran e o Se tionhrsc,f c Com e cialmrcomlywitallpolcyoditios.p h i c n n Ge eral Liabilty ondit on .n i C i s Pa e 2 o 2gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LI YEAELIT T IS ENDORSEMENT CHANGES T E POLICY.PL ASE READ IT CAREFULLY.H H E XTEND ENDORSEMENT FOR CONTRACTORS Thi e dorseme t m dfie i surance prov ded under he f l o ing:s n n o i s n i t o l w COMM RCI L G NERAL IAB LI Y COVERAG PA TEAELITER Thi endorsem nt broadens cov rage.Howev r cov rage fo anyseee,e r i ju y,dama e o me i al ex ense descri ed in any o the provnrgrdcpsbfi ion o ths e dorseme t may bssfinne ex luded orc l m ted by anothe endorsem n to this Cov rage Pa t,and the e ciiretersov rage broadening provsions do no ap ly toeitp the ex en tha cov rage is ex l ded or limted by such an entttecuidorsem n .The fo lo ing li ti g i a getlwsnseneral cov rage de cript on only Read al the provsions o thi endorsesi.l i f s em nt and the re t o y ur pol cy ca e ullesfoirfy to de erm ne r gh s,dut es,and wha i and s not cov red.t i i t i t s i e Wh I An Insured Unnam d Subsid arieoseis In i ental Medcal Mal racti ecdipc Bla ket Addit onal Insured Gov rnme talnien Bla ket Wa v r f Sub ogationnieOr En it e Pe m t Or Au ho iza ions Re ati g Totisristrtln Co tra tua Liab l ty Rai roadncliilsOpeatiosrnDaaeToPremseRenedo YoumgistT An o ganizat on o he than a pa tnership,jo ntritrri v nture or l m ted liab l ty company;oreiiii A rust;t The fol owing is ad ed told a indi a ed in i s nam o the docum n s thasctterett :gov rn it stru ture.e s c Any o yo r sub idiar e ,o her than a pa tnershi ,f u s i s t r p jo n v nture o lim ted liabil ty com any,that iiteriips no shown as a Nam d Insured in thete De la ation i a am d In ured f:c r s s N e s i The fol owing is ad ed toldYoarethesoeownero,o ma ntai anulfrin :ownership intere t o mo e than 50%in,suchsfr Any gov r men al enti y tha ha issued a perm tentttsisubsidiayonthefistdayothepolcyperio;r r f i d or authoriza ion wit re pe t to ope ationsthscrand pe fo med by yo or on your behal and that yourrufSuhsubsidiaryinotaninuredundecssrarerequiredbyanyodinance,law,buil ing coderdsiilaohernurance.m r t i s or written cont act or agreeme t to incl de a anrnus No such subsidiary i a insured fo "bodily inju ysnrr"addi ional i sured on thi Cov rage Pa t is atnsern or "property dama e"tha o curred,o "perso al i sured,but only wi h re pgtcrnntse t to liabi i y fo "bodilycltr i ju y","prope ty dam ge"or "perso al andnrranandavrtsingijuy"caused by an o fe sedeinrfn adv rti ing inj ry"ari ing ou o uch operatio s.e s u s t f s ncomited:m t The in uran e prov ded to such gov r men alscientBeoeyoumantaiedanownershipinteretfrins en ity doe not apply o:t s tomoethan50%i such ub idiary;orfrnss Any "bodi y inju y ,"property dama e olr"g "rAfethedate,i any duri g the poli y periotrf,n c d "pe sonal and adv rti ing injury"a i ing o t oresrsufthatyonolongermantainaownershiuinpoperatiosperfomdfothegovrmenalnrerentiteretoorehan50%n such subsi ia y.n s f m t i d r en ity ort;Fo purpose o Pa agraphrsfr o Se tionfc Who Any "bodily inj ry or "property dam geu"a "Is An Insured,ea h such subsidiary wil becl i clu ed in the "products-co ple edndmtdeemdtoedeignatedintheDeclaratona:e b s i s s operatio s hazard".n Pa e 1 o 3gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LI YEAELIT pharma eut cal co m t ed by o wi h thecismit,r t k owledge o co sent o ,the n urednrnfis.The fo lo i g repla e Pa agraphlwncsr o thef de i i ion o "o cur en e in thefntfcrc"The fol owing i a ded to thelsd Se tion:c Se tio :c n An a t o om ssio com i ted i prov dincrinmtnig "In i ental m d cal se v ce "m a s:c d e i r i s e n or fa l ng to prov de "incidental me icaiiidl Med cal surgi al dental laborato y,x rayi,c ,,r -se v ce ",fi st a d o "Good Sam r tanrisrirai or nur ing se v ce or treatm n ,advce osrietirsevce"to a person,unle s yo are irissun i struction o the related fur i hi g on,r n s n fthebusinesorocupatonoprovdinscifigfodorbevrages;oroeproesionalheathaesevce.f s l c r r i s The furni hing o di pensing o dru s osrsfgrThefolowigrepaesthelatparagrapholnlcsf m d cal dental o surgi al supplie oei,,r c s rPaagaphrrof appl a ce .i n s: The fol o ing i added to Parag aphlwsr ,Unle s yo a e in the business or o cupatiosurcn ,ofoprovdigproesionalhealtcaesevce,f i n f s h r r i s Pa ag aphsrr ,,and abov doe not apply to :"bodily injury"arising out of prov din o ai ing o rov de:i g r f l t p i Thi i surance i ex e s ov r any v li ansnscseadd "In i ental me ica se v ce "by any ocddlrisf col e ti le othe in urance whether prim ry,l c b r s ,a y ur "em loyee "who is a nu se,nurseopsr ex e s,conti gent o on any other ba is,thatcsnrs a sistant,em rgen y me i al techni iasecdccn i av ilab e to any o your "em loy es"fosalfper or arame ic;orpd "bo ily injury that ari e ou o prov ding od"s s t f i r fa l n to prov de "i cidental medi al servce "i i g i n c i sFrstaior"Good Sama itan se v ce "byidrris a y o y u "em loyee "o "to any perso to the ex ent notnforpsrnt subje t tocvlunteero Pa ag aphrr o Se t onfci Who Is Anworkers",other than an employed or v lunteer do tor.Any such "em loyee "o c p s In ured.s or "v lu teer wo kers"prov ding o fa l ngonririi to prov de fi st aid or "Good Sama i anirrt The fo lowing is a ded to Paragraphld ,se v ce "during thei work hou s fo yourisrrr ,wil be deem d to be a t ng wi hin thelecit ofscoeotheiemloymntbyyoopfrpeur pe fo m n dutie rela ed to the co du trrigstnc : o yo r busine s.f u s If the insured has a ree in a cont act ogdrr The fo lo i g repla e the la t se tence olwncssnf ag ee ent to waiv that i sured'righ ormenstf Pa ag aphrr of re ov ry against any person o o gan zat on,wecerrii :waiv our right o e ov ry again t uch pe son oefrcessrr organi ation,but only fo pay ents we ma ezrmkFothepurpoeodetemnintherssfrig be ause o :c fapplcableEahOccurrenceLimt,al relatedicil a t or om ssions com i ted i provdi g ocsimtninr "Bo ily i ju y"o "property dam ge"thatdnrrafalntoprovde"inci ental me icaiigiddl o curs;ocrsevce",fi st a d o "Good Sam r tanrisrirai "Pe so al and adv rti ing inj ry"ca sed byrnesuusevce"to any one perso wil be deeme torisnld an o fe se hat i com it edfntsmt;be one "o currence".c The fo lowi g ex lu ion i added to subsequent to the ex cution o thelncssef cont a t orcr Pa ag aphrr ,,of ag ee ent.r m :The fol o ing repla e Pa agraphlwcsr o thef de i i ion o "insured cont act"i thefntfrn Se tion:c"Bo ily inju y or "property dama e"ari ingdr"g s ou o the v ola ion o a penal stat te otfitfur Any ea em nt or l cense agreem nt;s e i e ordi ance rela i g to the sale ontnf Pa e 2 o 3gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LITYEAELI Pa ag aphrr o the de init o o "i suredffinfn Any prem se whi e rented to yo oislur cont a t i therc"n Se tion is tem ora i y o cupied by you wi h pe m ssioncprlctri de eted.o he owne ;orlftr The co tent o any premi e whi e suchnsfssl premse i rented to yo ,i y u rent suchissufoThefolowingreplaethedeiitiono"prem selcsfnfis premse fo a period o sev n or feweisrferdamaeinheg"t Se tionc:conse utiv day .c e s"Pre i e dama e m a s "property dama e"to:m s s g "e n g Pa e 3 o 3gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LI YEAELIT COMMERCIA GENERA LIA ILITY COVERA E FORMLLBG Va i u pro i i n in thi po i y re tri t co e a e Re drosvsosslcscvrg.a The "bo i y in ur "o "pro e ty da a e idljyrprmg"s th e t re poi y ca e ul y to de e m n ri ht ,dut e a d ca se byenilcrfltriegsisnud a "o cur e ce th tncrn"a t k s pl ceaea wha s a d s no co e e .i he "co e a e t rri o y ;t i n i t v r d n t v r g e t r " Thro g o t th s po i y th wo ds "y u a d "y ur"re euhuilcero"n o f r The "bo i y in u y o "pro e ty da a edljr"r p r m g " to th Na e Insure sho n i the De l ra i ns,a d o cur d ri gemddwncatoncsun t e p l cy pe i d;a dhoiron a y o he pe so o o g n z t o qua i yng a a Na entrrnrraiainlfismd Pri r to th poi y pe i d,no in ure l steoelcrosdidInureundrthipoiyThewods"we ,"us"a dsdeslc.r "n un e Pa a ra hdrrgp o Se t ofcin Who Is"o r re e o t e co pa y p o i i g hi i sura ceu"f r t h m n r v d n t s n n .An In ure a d no "e pl y e a t o i esdnmoe"u h r z d The wo d "i sure "m a s a y pe so o o ga i a i n by y u torndennrnrrnztoo gi e o re e v no i e ovrcietcf an qu lfy ng a such unde Se t oaiisrcin Who Is An "o curre ce o cl i kn w tha the "bo i ycn"r a m e t d l I sure .i j r "o "pro e ty da a e ha o cur e ,n d n u y r p r m g "d c r d i whoe o in pa t If such a li te i surenlrr.s d n dOtewodsadphrsethaapainquoainhrrnastperttooatoie"e pl y e k e ,pri r to theruhrzdmoe"n w omrkhaespeilmaig.Re e to Se ti nasvcaennfrco poi y pe i d th t the "bo i y i j ry olcro,a d l n u "rDeiiins.f n t o "pro e ty da a e o cur e ,th n a yprmg"c r d e n co ti u t o ,cha g o re um ti n o suchnnainnerspof "bo i y in ur "o "pro e ty da a e du i gdljyrprmg"r n o a t r th po i y pe i d wi l be de m d torfeelcrolee ha e be n no n pri r t h p l cy pe i dvekwooteoiro. "Bo iy i j ry o "pro e ty da a e whi hdlnu"r p r m g "cWewilpathsesumthathisurelyostendocurdurigthpoiypeidadwano ,c s n e l c r o n s tbcoelealolgaetopaadaaeemsglybitdysmgsprirtothepoiypeidknwtohaeolcro,o n vbcaseo"bo iy i j ry o "pro e ty da a eeufdlnu"r p r m g "o curre by a y i sure l ste n e a a ra hcdnndidudrPrgptowhihthsinuraceapis.We wil ha ecisnplelv o Se t ofcin Who Is An Insure o a ydrnthrigtadduytodeedtheisureaanstehntfnndgi"e pl y e a t o i e by y u to gi e o re e vmoe"u h r z d o v r c i eay"sui "se k n th se da a e .Ho e e ,n t e i g o m g s w v r no i e o a "o cur e ce o cl i ,n l d s a ytcfncrn"r a m i c u e nwewilhaenoduttodeedtheisurelvyfnndcotiuto,cha g o re um t o o thannainnerspinftaanstay"sui "se k n da a e fo "bo iyginteigmgsrdl "bo i y i j ry o "pro e ty da a e a t r thdlnu"r p r m g "f e eijryo"pro e ty da a e to whi h thinu"r p r m g "c s e d f he po i y p ri d.n o t lc e oisuracedosnoapyWemyaornnetpl.a ,t u di cre i n,in e t ga e a y "wi l bestovsitnlocurececrn""Bo iy i j ry o "pro e ty da a edlnu"r p r m g "a dn se t e a y cl i r "sui "th t a e ul .Bu :t l n a m o t a m y r s t t de m d to ha e be n kn wn to ha e o curr deeveovce a the e rl e t ti e whe a y in ure l stetaismnnsdidTheaonwewilpafodaaeismutlyrmgsunePaarahdrrgpoSetinfcoWhoIsAnlmteadecrieiSetoiidssbdncinLiismtInureoay"e pl y e a t o i e by y u tosdrnmoe"u h r z d oOfIsurnendnac;a gi e o re e v no i e o a "o cur e ce ovrcietcfncrn"r cl i :a mOurrightanddutytodefendendwhenwe ha e use up th a p i a l li i ovdeplcbemtf Re o t a l o a y pa t o the "bo i yprsl,r n r ,f d lisurneithepamntojdmnsonacnyefugetrijryo"pro e ty da a e to us o a ynu"r p r m g "r nsetlmnsundrCoeaeteetevrgsororohrisure;t e n rmdcaxeseuneoeaeeilepnsdrCvrg. Re ev s a wri t n o v rb l de a d ocietereamnrNooheolgtoolaiiytopasumotrbiainribltysrclifodaaebeaseothe"bo i yamrmgscufdlpefratosevceicoeeunlssromcsrrissvrdeijryo"pro e t a a e ;rnu"r p r y d m g "oeplcilproiefoundrSuplmnayxityvddrepeetr Payments.Be o e a a e by a y o he m a s thacmswrntrent "bo i y in ur "o "pro e ty da a e hadljyrprmg"sThiinuraceapisto"bo i y i j ry a dssnpledlnu"n o curre o a be un t ccurcdrhsgoo."pro e ty d m ge o l fpraa"n y i : Pa e 1 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCIAL E ERAL IAB LITYEGNLI Da a e be a se o "bo iy i j ry i cl demgscufdlnu"n u An sta u e o di a ce o e u a i n e a i gytt,r n n r r g l t o r l t n da a e cla m d by a y pe so r rga i a i n to the sa e gi t,dimgsienrnoonztol,f str bu i n o usitore of fo ca e l ss o se v ce o de th re ul i g a a co o irr,o f r i s r a s t n t l h l c e e a e .b v r g s a y t m ro he "bo i y i j r ".n i e f m t dl nu y Thi e cl sio a pi s o l i y u a e in thesxunplenyfor bu i e s o m n f ct r ng di tri u i g sel n ,s n s f a u a u i ,s b t n ,l i g se v ng o furn shi g a co o i be e a e .F rririnlhlcvrgsoThiisuracedenoplosnnostapyt:th pur o e o thi e cl sio ,pe m t i g aepssfsxunritn pe so to bri g a co o i be e a e o y urrnnlhlcvrgsno "Bo i y i j ry o "pro e ty d m ge e pe te o pre i e ,fo co sum tidlnu"r p r a a "x c d r ms s r n p o o y u prennormse ,i s i t nd d fro th sta d on o th i sure .whe he o noneemenpitfendtrrt a fe is cha g d o a li e seerercn is Thi e cl sio do s no a pl to "bo iy in u y re u re fo suchsxunetpydljr"q i d r a ti i y is no by it e fcvt,t s l o "pro e ty da a e re ul i g fro the use o co si e e th bu irprmg"s t n m f n d r d e s ne s o sel n ,ssflige v n origr re so a l f rce t p o e t pe so s o p o e t .fu ni hi g l o o ianbeoortcrnrrpryrsnachlc be e a e .v r g s "Bo i y i j ry o "pro e ty da a e fo whi h An o l g t o o thedlnu"r p r m g "r c y b i a i n f i sure un e anddr wo k r 'r e s th i sure is o l ga e to pa da a e by co p nsa i n di a iendbitdymgsmeto,s b l t be e i s oriynft re so o th a sum t o o l a i i y i a un m l y e t co peanfespinfibltnepomnmn a i n l w o astoarn sim l ryia co tr ct o a r e e t.Thi e cl sio do s no l w.n a r g e m n s x u n e t a a pl o l a i i y f r a a e :p y t i b l t o d m g s Tha t e i sure o l a e i t e a se cethndwudhvnhbn "Bo iy i j r "todlnuy:o h co t a t o gr e e t;oftenrcraemnr An "e pl y e o the i sure a i in o t omoe"f n d r s g u fAssumdinacotrctoaremntthtienargeeasadnthcoreo:n i e u s fa"i sure co t a t ,pro i e th t thnndnrc"v d d a e Em l y e t y th i sure ;opomnbendr"bo i y in u y o "pro e ty da a e o curdljr"r p r m g "c s subse u n to t e e e ut o o t e co t a tqethxcinfhnrc Pe f r i g dut e re a e to theromnisltd o a r e e t.Soe y fo th purp se o co du t f he i sure 'srgemnllreosfncotnd b sin ss;ouer l a i i y a sum d in a "i sure co t a t",i b l t s e n n d n r c The spo se chi d pa e t bro h r o sisteu,l ,r n ,t e r rresoalatrnes'fe s a d ne e sa yanbetoyencsr o tha "e pl y e a a co se ue ce oftmoe"s n q n fltgtinepnseicurrdbyofratyiiaoxesneroaprPaarprgahaoebv.o h r th n a i sure wi l be de m d to beteanndlee Thi e cl si n a ple whe he th in ure m ysxuopistresdadaaebeaseo"bo i y i j ry omgscufdlnu"r be l a l s a e p o e r n ny o he a a i yibeanmlyroiatrcpct"pro e ty d m g ",ro i e th tpraaepvdda:a d t a y o l ga i n to sha e da a e wi h ononbitormgstrLiblttosuchpatyfo,o fo theaiiyrrrr re a so e ne e se who m st pa da a epymoluymgscoto,th t pa t 'de e se ha a sosfarysfnsl be a se o he i j r .c u f t n u ybenasumdinthesae"i sureesemnd Thi e cl si n do s no a py to l a i i ysxuoetplibltcotrct";ndnaa a sum d by the i sure un e a "i suresenddrnndSuhatres'fe s a d l t g t octonyeniiain co tr ct .n a "e pe se a e fo de e se o th t pa txnsrrfnfary a a nst a ci i o at rn t v di putgivlrleaiese "Bo iy in u y o "pro e ty da a e a i i gdljr"r p r m g "rs nreoutoproednginwhihslinceic o t o the a t a,a l g d o th e te eufculleerranddaaetowhihthsinuracemgscisn di cha ge di pe sa,se p g ,m gr t o ,s r ,s r l e a e i a i napleaealge.p i s r l e d re e se o e ca e o "pol t n s":l a r s p f l u a t At o fro a y pre i e ,sit ormnmsser"Bo i y i j ry o "pr p rt da a e fo whi hdlnu"r o e y m g "r c l ca i n whi h i o wa a a y ti eotocsrstnmayisureaehlibebesoo:n n d m y b e d l a l y r a n f o ne o o cupi d by o re t d owdrce,r n e r Ca si g o co t i ut n to the i t x ca i nunrnrbignoito l a e to a y i sure .Ho e e ,thsond,n n d w v r i o n e so ;f a y p r n subp ra ra h o s n t pp y t :a g p d e o a l o The furn shi g o aco oi be e a e to ainflhlcvrgs "Bo i y in u y i susta n d wit i adljr"f i e h n pe so und r the l g l dri k ng a e orneeanigr bu l i g a d ca se by sm k ,i d n n u d o e u de he i f u n e o l o o ;onrtnlecfachlr fu e ,v po o so t pro uce bymsarrodd o o i i a i g fro e u pm n th trrgntnmqieta Pa e 2 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LI YEAELIT i use to he t co l o de u i i y to pe f rm th no m l e e trisda,o r h m d f r o e r a l c ca ,l th bul i g o pro u e by o hy ra l c o m cha i a fun ti neidn,r d c d r d u i r e n c l c o s o i i a i g fro e u pm n tha isrgntnmqiett ne e sa y fo th o e a i n ocsrreprtof use to he t wa e fo pe so adatrrrnl "m bi e e ui m n "o it pa t ,ifolqpetrsrs use by th bui di g s o cup n s oeln'c a t r such fue s,l b i a t o o h rlurcnsrte th i u sts;e r g e o e a i g fl i s e ca e fro aprtnudspm v hi l pa t de i n d to hod,sto eecersgelr"Bo i y i j ry o "pro e tydlnu"r p r o re e v the .Thi e ce ti nrciemsxpodaaefowhihyumybemg"r c o a do s no a pl if the "bo i y i j ryetpydlnu"he d li b e if y u a e a co tr ct rlal,o r n a o o "pro e ty da a e a i e o t orprmg"r s s u fadtheoneoleseosuchnwrrsef th in e ti n l di cha ge di pe saetnoasr,s r lpreie,sit o l ca i n ha be nmsserotose o r l a e o the fues,l b i a treesflurcnsadetoyurpoiyaaddolcsn o o h r o e a i g fl i s,o i suchrteprtnudrfadditionalinsuredwithrespectto y ur o g i g o e a i ns pe fo m d fu l ,lu ri a t o o he oononprtorreesbcnsrtrp r t neaig fo th t a dt o a i sure a tha fl i s a e bro gh o oradiinlndttudrutnr to the pre i e ,sit o l ca i n a d suchmsseroton pre i e ,sit o l ca i n wit themsserotoh pre i e ,sit o l ca i n is nomsserotot i t nt th t th y be di cha g d,n e a e s r e a d ne e wa o n d o o cupi dnvrswerce di pe se o re e se a pa t osrdrladsrf by o re te o l a e to a y,r n d r o n d ,n th o e a i n be ng pe fo m d byeprtosirre i sure ,o he tha tha a dt o andtrntdiinl such in ure ,co t a to orsdnrcr i sure ;ondr subco t a to ;n r c r "Bo i y i j ry o "pro e tydlnu"r p r "Bo i y inj ry o "pro e tydlu"r p rdaaeaiigotohet,m g "r s n u f a da a e susta n d wit i amg"i e hnsmkofuefroa"ho ti eoermsmsl bu l i g a d ca se by th re e seidnnudelafie;r "o ga e ,fum s o v po s frofsserarm At o fro a y pre i e ,sit ormnmsser m te i l bro g t in o th t bu l i garasuhtaidn l ca i n whi h i o wa a a y ti eotocsrstnm i o n cti n wi h pe a i ns be nncneotortoig use by o fo a y i sure o o h rs f rdrrnndrteo pe f r e by y u o o y u e a fromdornorbhlthhadlngstoaedispoa,e n i ,r g ,s l by a co tr ct r r subco t a to ;onaoonrcrrproesinrretmnowstecsgotaetfa; "Bo i y inj ry o "pro e tydlu"r p rIfsuch"pol t n s"a e o we e a a yluatrrrtn da a e a i i g o t o he tmg"r s n u f a ,ti e tra spo t d,ha d e ,sto e ,m n r e n l d r d sm k o fu e fro a "ho tieoermsmsltrae,di po e o ,o pro e se aetdssdfrcsds fi e ;rr"owatebyoo:s r f r At o fro a y pre i e ,sit ormnmsserAnnsure;oyidr l ca i n o whi h a y in ure o a yotoncnsdrnAnpesooognztofoyrnrraiainrcotrctrsosubcotatrwokngnaornrcosriwhoyumybelealmoaglydietyoidietyoayisure'r c l r n r c l n n n dsreposil;s n b e be a f a e o we e a a y ti ehlrrrtnm At o fro a y pre i e ,sit ormnmsser pe fo m ng o e a i n to te t fo ,r r i p r t o s s r l ca i n o whi h a y in ure o a yotoncnsdrn m ni o ,cl a up,re o e co t i ,o t r e n m v ,n an co tr ct rs o subco t a t r wo k ngnaornrcosri tr a ,de o i y o ne tr l z ,o in a yettxfruaiern di e t y o i di e t y o a y i sure 'srclrnrclnnnd wa re po d to o a se s th e fe tsysn,r s s e f c be a f a e pe fo m ng o e a i n if thehlrrriprtos o ,"po l t n s".f l u a t"po l t n s"a e bro gh o o to theluatrutnr An l ss,co t o e p n e a i in o t oyosrxesrsgufpreie,si e o l ca i n i co n ct omsstrotonnein a yn:wi h such o e a i n by such in ure ,t p r t o s s d co tr ct r o sub o tr ct r.Ho e e ,n a o r c n a o w v r Re ue t,de a d o de o sta ut ry oqsmn,r r r t o rthssubprarahosntppyt:i a g p d e o a l o re u a o y re ui e e t t a a y in uregltrqrmnhtnsd "Bo i y inj ry o "pro e tydlu"r p r o o he s te t fo ,m ni o ,cle n up,r t r s r o t r a da a e a i i g o t o the e ca emg"r s n u f s p r m v ,co t i ,tre t de o i y oeoenana,t xf r o fue s,lub i a t o ot eflrcnsrhr ne t a i e o in a y wa re po d to ourlz,r n y s n ,r o e a i g fl i s whi h a e ne d dprtnudcree a se s t e e fe t o ,"pol t n s";rsshfcsfluato Pa e 3 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCIAL E ERAL IAB LITYEGNLI Cl i o sui by o o be a f o a yamrtrnhlfn The o e a i n o a y o the m chi e yprtofnfanr go e nm n a a t o i y o a y o he o e ui m n l ste in Pa avretluhrtrntrrqpetidrgra hp pe so o o ga i a i n b ca se o ornrrnztoeufr o the de i i i n o "m bi effntofol te ti g fo ,m n t r ng cl a i g up,e ui m n ";rsnroioi,e n n q p e t o re o i g,con a ni g,tre t ngmvntinai,An a r ra t t a s:i c f h t idtoiyngonetaiig,o i a yexfirurlznrnn Cha t re i h a pio o a y i sure ;r e d w t l t t n n dwarepodigtooasesintheysnn,r s s g e fe t o ,"po l t n s".f c s f l u a t No w e y a y i sure ;a dtondbnndn No ben use to ca r a y pe so otigdrynrnr pro e ty f r ha g .p r o a c r e"Bo i y in u y o "pro e t da a e a i i g o tdljr"r p r y m g "r s n u o th o n r hi ,m i t na ce use orfewespanen, e tr stm nt to o he s o a y a r ra t "a t "onuetrfnicf,u o r "Bo iy in u y o "pro e ty da a e a i i g o tdljr"r p r m g "r s n uwtecratondooeaebyoretdoarfwerprtdrnero:flaetoayinure.Use in l d s o e a i nondnsdcueprto The tra spo t t o o "m bie e u pm n "n r a i n f o l q i e tad"l a i g r n o dn ".n o d n o u l a i g by a "a t "o ne o o e a e by onuowdrprtdrThieclsinapiseeiftheclamsxuoplevnisretdrlaeoayisure;oneoondtnndraanstayisurealgnelgnceoohrginndleegierteTheuseo"m bie e ui m nt i ,o whiefolqpe"n r lwrogonithsupevsio,hir ngndignerini,i pra ti e fo ,o whie be ng pre a e fo ,n c c r r l i p r d replyettriigomnioigoohesbymomn,an n r o t rn f t r a y pre rr n e ra i g,spe d,de oi i n,n a a g d c n e m l t othtinure,if th "o cur e ce whi h ca seasdecrn"c u d o stun i g a t vtyrtncii.th "bo i y i j ry o "pro e ty d m ge i v l eedlnu"r p r a a "n o v d th o ne shi ,m i t na ce use oewrpanen,r e t ust e t to o he s o a y a r ra t "a t "onrmntrfnicf,u o r "Bo iy in u y o "pro e ty da a e a i i g o tdljr"r p r m g "r s n uwaecratthaisoneooeaebyotrftwdrprtdro:fretdrondoayisure.n e o l a e t n n d Wa ,i cl di g u d cl r d o ci i a ;r n u n n e a e r v l w rThieclsioosnoaplt:s x u n d e t p y o Wa l k a t o by a m l ta y fo ce in l dngrieciniirr,c u iAwaecratwhieahoeopreieyutrflsrnmssoatoihidrigodeedngaantacinnnenrfnigisnonretworn;a t a o e pe t d a t ck by a yculrxceta,n A a e cra t y u o n t o n ha s:go e n e t so e egn owtrfodowttivrmn,v r i r o he a t o itruhrty usin i i a y pe so n l o t e ge t ;ogmltrrnerohransr50fetogolss;ndelnrea In urr ct o ,re el o ,re o ut o ,usurp dseinblinvlineNobenusetocaraypesootigdrynrnrpoe,o a ti n ta e by go e n e t lwrrcoknvrmnaproetyfrhag;p r o a c r e a t o i y in hi d ri g o de e d ng a a nstuhrtnenrfnigiPakna"a t "o ,o o the wa s ne trignuonrnyx a y o he enfts.to pre i e y u o n o re t,pro i e the,m s s o w r n vd d "a t "i no o n d by o re t d o l a euostwernerond to y u r he i sure ;"Pro e ty d m ge toootndpraa": Li bl t a sum d unde a y "i sureaiiysernnd Pro e ty y u o n,re t,o o cup ,p r o w n r c y co tr ct fo he o ne shi ,m i t na ce o i cl di g a y co ts o ena"r t w r p a n e n r n u n n s r x e se i cu repnsnrd use o a r ra t o a e cra t by y u,o a y o he pe so ,o g ni a ificfrwtrf;o r n t r r n r a z t o onr e t t ,fo re a r,re l ce e tniyrpipamn,"Bo i y in u y o "pro e ty da a e a i i gdljr"r p r m g "r s n e ha ce e t,re to a i n o m i t na cennmnsrtoranenoto:u f o such pro e t fo a y re so ,in l dngfpryrnancuiTheoprainomchieyoretofanrpreetinoijrytoapesoodaaevnofnurnrmgeuimnthtiatchdtoopatqpetastae,r r to a o he 's p o e t ;n t r r p r yo,a la d v hi l th t wo l qua i y afneceaudlfs Pre i e y u sel ,gi e a a o a a d n ifmssolvwyrbno,"m bi e e u pm n "un e th d fi i i nolqietdreento th "pro e ty da a e a i e o t o a yeprmg"r s s u f no"m bi e e ui m nt i such la dfolqpe"f n pa t o h se pr m se ;r f t o e i svhilweenosubjcttoaecerte co p l o y o fi a ci l re po si i i ymusrrnnasnblt Pro e ty l a e o y u;p r o n d t o l w,o o he m t r v h cl in ura ceartrooeiesn Pe so a pro e t i th ca e custo y ornlpryner,d rlw,whe e i is li e se o pri ci a lartcndrnply co tr l o t e i sure ;n o f h n dgaae;rrgdo Pa e 4 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LI YEAELIT Tha pa t cul r pa t o re l pro e t o a ci e t l phy ica in u ytriarfapryncdnasljr to "y ur pro u t"o d c or whi h y u o a y co tr ct rs o "y ur wo k a t r it ha be n putcornnaoror"f e s e to it in e destnd subco t a t r wo k n di e t y o i d re tl usenrcosrigrclrnicy. o y u be a f a e pe f rm n o e a i ns,ifnorhlrroigprto th "pro e ty da a e a i e o t o tho eeprmg"r s s u f s o e a i n ;rprtoso Da a e cl i e fo a y l ss,co t o e pe semgsamdrnosrxn Tha pa ti ul r pa t o a y pro e t thatrcarfnpryt i cu re by y u o o h r fo th l ss o usenrdortesreof, m st be re to e ,re a re o re l ceusrdpidrpad wi hd a a ,re al i spe t o ,re a rtrwlcl,n c i n p i , b ca se "y ur wo k wa i co re t yeuor"s n r c l re l ce e t a j stm nt re o a o di po apamn,d u e ,m v l r s s l pe fo m d o i .r r e n t o :f "Y u ro uct";o r p dPaarpsrgah,a dn o th s e cl si n dofixuo no a p y to "pre i e da a e .A se a a etplmssmg"p r t "Y u o k ;rorwr"olmtoisuraceapisto"pre i e da a eiifnnplemssmg""Im a re p o e t ";p i d r p r yadecribdinPaarpssergahoSetinfco i such pro u t,wo k o pro e t is wit dra nfdcr,r p r y h wLiisOnsuracemtfIn. o re al d fro th m rk t o fro use by a yrclemeaermnPaarahrgpohseclsioosnoapliftixundetpyfpesooognztobeaseoakonornrraiaincufnwrthpreieae"y ur wo k a d we e ne eemssror"n r v r suspe te de e t de i i ncy in de u cy ocdfc,f c e ,a q a rocupe,re t d r e d fo e t l by y ucidneohlrrnao.da g ro s co di i n i tneuntoni.Pa a r p srgah ,,a dn o th sfi e cl sio do no a pl to li bl t a sum dxuntpyaiiyse "Bo iy in u y a i i g o t o "pe so a a ddljr"r s n u f r n l nunesidtrckaremntdraeagee. a v rt si g i j ry .d e i n n u "Pa a ra hrgp o th s e cl sio do s no a plfixunetpy to "pro e ty da a e i cl de in th "pro uct -p r m g "n u d e d s co p e e p ra i n h z r ".m l t d o e t o s a a d Da a e a i i g o t o th lo s o ,lo s o usemgsrsnufesfsf o ,da a e to co ru t o o ,i a i i y to a ce s,f m g ,r p i n f n b l t c s o i a i i y t a i u a e "ee t o i d t ".r n b l t o m n p l t l c r n c a a"Pro e ty da a e to "y ur pr d ct a i i g o tprmg"o o u "r s n u o t o ny p rt o i .f i r a a f t Ho e e ,thi e cl si n do s no a p y towvrsxuoetpl l a ii y fo a a e b ca se o "bo i y i j r ".i b l t r d m g s e u f d l n u y "Pro e ty d "p r a a e to y ur wo k a i i g o t omg"o r "r s n u f i o a y pa t o it a d i cl d d i he "pro uct -t r n r f n n u e n t d s "Bo iy in u y o "pro e ty da a e a i i g o tdljr"r p r m g "r s n ucopeeprainhzr".m l t d o e t o s a a d o a y a tu l o a l g d v oa i n o a y l w thafncarleeiltofnat Thi e cl si n do s no a pl if th da a esxuoetpyemgd re tri ts o pro i i s the se d ng tr n m t i gscrhbtni,a s i t n wo k o th wo k o t o whi h th da a errerufcemg o d stri ut n f "un o i i e co m ni a i n".r i b i g o s l c t d m u c t o a i e wa pe fo m d o y ur be a f by arsssrrenohl subco tr cto .n a r "Bo iy in u y o "pro e ty da a e a i i g o tdljr"r p r m g "r s n u o a y a ce s to o di cl sure o a y pe so 'f n c s r s o f n r ns "Pro e ty da a e to "i p i e pro e t "oprmg"m a r d p r y r o o g ni a i n'co f de ti l or pe so arraztosninarnl pro e ty th t ha no be n ph si a l in u e ,p r a s t e y c l y j r d i f rm t o .n o a i n a i i g o t o :r s n u f A de e t de i i n y in d qu cy orfc,f c e c ,a e a "Bo iy in u y o "pro e ty da a e a i i gdljr"r p r m g "rs ndagroscodiinin"y ur pro uct oneuntood"r o t o th a t a o al g d pre e ce oufeculrleesnr"y ur o k ;rowr"o a t a,al ge o th e t ne di pe sa oculledrraedsrlfAdeaofalrbyyuoaynatnglyriueornoeciabeto,a be to fi e s o pro u tsssssssbrrdcoyurbeaftopefomacotatonohlrrnrcrcotannabeto,pro i e th t theniigsssvddaaremnticcodncewtttrm.g e e n a r a i h i s e s "bo i y i j ry o "pro e ty da a e idlnu"r p r m g "s Thi e cl si n do s no a pl to the l ss o sesxuoetpyofu ca se o co t i ut d to by the ha a d usudrnrbezro o o h r pro e t a i in o t o sudd n a dftepryrsgufen pro e ti s o sbe to .p r e f a s s Pa e 5 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCIAL E ERAL IAB LITYEGNLI "Bo i y in u y o "pro e ty da a e a i i g e pl y e t-e a e pra tdljr"r p r m g "r s n m o m n r l t d c i e de cri ecssbd in o t o th a t a o a l g d pre e ce o Pa a r pufeculrleesnrrgah ,,ro a o e i d re te .b v s i c d a t a ,a l ge o th e t ne di pe sa oculledrraedsrlf Thi e cl si n a ple whe he th in ure m ysxuopistresda a y so i ,li ui ,ga e us o th r a ir i a tnldqdsoremlrtn be l a l s a e p o e r n ny o he a a i yibeanmlyroiatrcpct o co t m na t,i cl di g sm k ,v po s,r n a i n n u n o e a r a d t a y o l ga i n to sha e da a e wit ononbitormgshr so t fu e ,a i s,a k l s,che i a s a do,m s c d l a i m c l n re a so e ne e se who m st pa da a epymoluymgs wa te a d th t a e pa t o a y cl i os,n a r r f n am r be a se o he "bo i y i j r ".c u f t d l n u y "sui "whi h a so a l ge a y "bo i y i j rytcllesndlnu"Ex l si nscuo th o gruh do no a p y to "pre i etplmsso"pro e ty da a e de cri e inrprmg"s b d da a e .A se a a e li i o i sura ce a p i s tomg"p r t m t f n n p l ePaarprgahaoebv."pre i e da a e a de cri e in Pa a r pmssmg"s s b d r g a h of Se ti nco Li i s O nsur n emtfIac.An l ss,co t o e p nse a i in o t oyosrxersguf a yn: Re ue t,de a d o de o sta ut ry oqsmn,r r r t o r re u a o y re ui e e t tha a y i suregltrqrmntnnd o o he s te t fo ,m ni o ,cle n up,r t r s r o t r a We wi l pa th se sum tha th i surelyostend re o e co t i ,tre t de o i y omv,n an a ,t x f r be o e le al o l ga e to pa a da a ecmsglybitdysmgs ne t a i e o i a y wa re po d to ourlz,r n n y s n ,r be a se o "pe so a a d a v rt si g in ur "tocufrnlndeinjy a se s the e f ct o ,a be to ,s s f e s f s s s whi h th s i sura ce a pl e .We wi l ha e thecinnpislv a be to fi e s o pro uct co t i i gsssbrrdsnann ri ht a d du y to de e d t e i sure a anst a ygntfnhndgin a be to ;rssso "sui "se k n th se da a e .Ho e e ,we wilteigomgswvrl ha e no dut to de e d the in ure a a n t a yvyfnsdgisnCliosuibyoobeafoayamrtrnhlfn"sui "se k n da a e fo "pe so a a dteigmgsrrnlngoenetlatoiyoayohrvrmnauhrtrnteavrtsiginur"to whi h thi i sura ce do sdeinjycsnnepesooogaiainbeaseornrrnztocufnoapyWemyatordicreintpl.a ,u s t o ,te ti g fo ,m n t r ng cl a i g up,s n r o i o i ,e n n i v sti a e a y o fe se a d se t e a y clam onegtnfnntlnirreoig,con a ni g,tre t ngmvntinai,"sui "th t a e ul .Bu :t a m y r s t tdeoiyngonetaiigoinaytxfirurlzn,r n wa re po di g to o a se sin theysnn,r s s g The a o n we wil pa fo da a e ismutlyrmgs e fe t o ,a be to ,a be to fi e s o l m te a de cri e ifcsfssssssbrriidssbdn Se t ocin Li i smt pro uct co t i i g a be to .Of I sura ce a ddsnannsssnn;n Ou rig t a d dut to de e d e d whe werhnyfnnn ha e use up th a p i a l li i ovdeplcbemtf"Bo i y i j r "todlnuy: i sur n e i the pa m nt o j d m n s onacnyefugetrAesoriinutonyprnasgofa: se tl m n s und r Co e a eteetevrgs or orReusaoepohteso;f l t m l y t a p r n m di a x e se un e o e a eeclepnsdrCvrg .Te mna i n o tha pe so 'sritoftrn No o he o l g t o o l a ii y to pa sum otrbiainribltysreplyetrmomn;o pe f r a t o se vce i co e e unl ssromcsrrissvrdeEmlyetreaepratcepoiypomn-l t d c i ,l c ,e pl ci l pro i e fo un e Su p e e t ryxityvddrdrplmnaatooisin,such a co rci n,c r m s o s e o Pa m nt .y e sdeoin,e au ti n re ssi nm n ,m t o v l a o ,a g e t Thi i sura ce a ple to "pe so a a dsnnpisrnlndicipiefalretoprooeosln,i u m t r a v rti i g in ur "ca se by a o fe se a i i gdesnjyudnfnrsnavncehaasmn,hum l a i nda,r s e t i i t o , o t o y u bu i e s but o l i th o f nse wauforsnsnyfefesdicrimnain,li e ,sl nd r vo a i nsitoblae,i l t o co m t e in th "co e a e te r t r "du i g thmitdevrgrioyrneothpeso's rig t o pri a yfernhfvc, poi y p ri d.l c e omlciusproeutoofasearet,a i o s c i n r l r s de e t o o i p i o m n a p i d t otninrmrsnetpleor di e t d a tha pe so ,re a dl ss orcettrngref Thi i sura ce d e no p l osnnostapyt:whe he such pra ti e poi y a t otrcc,l c ,c r o i si n o curs,i a pi d o ismsocspler co m t e be o e duri g o a t r themitdfr,n r f e "Pe so a a d a v rt sin in ur "ca se by ornlndeigjyudrtieotaeso's e p o m nt rmfhtprnmlye;o a th di e ti n o the i sure wi h thetercofndt The spo se chi d pa e t bro h r o sisteu,l ,r n ,t e r r k o l d e th t the a t wo l voa e the rig tnwegacudilths o tha pe so a a co se u nce o "bo iyftrnsnqefdl o a o h r a d wo l i f i t "pe so a a dfntenudnlcrnln i j ry to tha pe so a who a y o thenu"t r n t m n f a v rt si g i j r ".d e i n n u y Pa e 6 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LI YEAELIT Thi e cl si n do s no a pl to "pe so a a anst a ci i o asxuoetpyrnlgivlrl e n t v di puttraiese i j ry ca se b ai i u p o e ut o .re o u i n pro e di g inu"u d y m l c o s r s c i n s l t o c e n n whi hc da a e to whi h th s in ura cemgscisn a pl e a e al ge .p i s r l e d "Pe so a a d a v rt sin in u y a i i g o t ornlndeigjr"r s n u f o a o wri te pu l ca i n i cl di g pubi a i n "Adv rt sinrlrtnbito,n u n l c t o e i g i j ry a i i g o t onu"rs n u f a bre ch oaf by ee tro i m a s,o a e i l f do e by o t co tr ctlcncenfmtra,i n r a n a . th di e ti n o th i sure wi h kno l d e oercofendtwegf i s f l i ytast. "Adv rt sin in ur "a i i g o t o th fal re oeigjyrsnufeiuf go ds,pro uct o se v ce to co fo m wi hodsrrisnrt "Pe so a a d a v rt sin n u y a i i g o t a y sta e e t o quarnlndeigijr"r s n u n t m n f l t o pe foiyrrrm n e m deaca o o a o wri t n pu l ca i n in l d n i o r "a v rt se efrlrtebito,c u i g n y u d e i m nt ." pu l ca i n by e e t o i m a s,o m t ri lbitolcrncenfaea who e fi st pu l ca i n to k pl ce be o esrbitooafr "Adv rt sin in u y a i i g o t o the wro geigjr"r s n u f nthbginigoteplcypeidreennfhoiro;o de cri t o o the pri e o go ds,pro uct ospinfcfodsr"Ad e t si g i j ry a i i g ou ofvrinnu"r s n t se v ce sta e n y ur "a v rt se e t .r i s t d i o d e i m n "i f i ge e t o co y i ht "ti l "o "sl g n"n r n m n f p r g ,t e r o a i y ur "a v rt se e t who e fi stnodeimn"s r i f i ge e t i y ur "a v rt se e t wa "Pe so a a d a v rt sinnrnmnnodeimn"s r n l n d e i g in u y a i i g o tjr"r s n u of co m t e be o e the be i n n o the a y a t a o a l g d i fmitdfrgnigfnculrleenri ge e t o v o anmnrilt o oinf po i y p r o .a y o th fo l wi g ri h s o la s,o a ylceidnfelongtrwrn o h rte "pe so a a d a v rt si g in ur "al ge i a yrnlndeinjylednn cl i o "sui "th t a so a l ge a y suchamrtallesn"Pe so a nd a v rt si g i j ry a i i g o t o arnladeinnu"rs n u f i f i ge e t r i l t o :n r n m n o voa i ncriiaatcomtebyoathedietinomnlcmitdrtrcofCoyih;p r g tthisure.e n d Pa e ttn; Tra e d e s;d r s"Pe so a a d a v rt sin in ur "fo whi h thernlndeigjyrc i sure ha a sum d l a i i y in a co t a t ondsseibltnrcr Tra e n m ;d a e a re m nt Thi e cl sio do s no a pl togee.s x u n e t p y Tra e a kdmr;la i i y f r a a e :i b l t o d m g s Tra e se re ;odctrThatheisureolaeihasecetndwudhvntebnOtenelctu l p o e t i h s o a s.h r i t l e a r p r y r g t r l wohcotatogreetrftenrcraemn;o Thi e cl sio d e no p l osxunostapyt:Be a se o "pe so a in u y a sum d bycufrnljr"s e y u in a co t a t o a re m nt th t i aonrcrgeeasn "Ad e t si g i j ry a i i g o t o a y a tu lvrinnu"r s n u f n c a "i sure co tr ct ,pro i e th t thendna"vd d a o a l g d i fri g m n o vo a i n orleenneetriltof "pe so a in u y i ca se by a o f n ernljr"s u d n f e s a o h r's co y i h ,"ti l "o "sl g n"inteprgtteroan co m t e sub e ue t to th e e ut o omitdsqnexcinf y ur "a v rt se e t ;rodeimn"o th co t a t o a re m n .Soe y fo theenrcrgeetllr An o h r "pe so a a d a v rtsin in u yyternlndeigjr"pu po e o li b l ty a sum d by y u i arssfaiiseonn a l ge in a y cla m o "sui "th t a solednirtal"i sure co t a t ,re so a l a t r e s'n d n r c "a n b e t o n y a l ge a y such i f i ge e t o v o a i nlesnnrnmnriltofesadneesayltgainepeseencsriitoxnsoaohr'co y i ht "ti l "o "sl g n"ifntesprg,t e r o a nicurebyofoapatyohethnanrdrrrtranyur"a v rt se e t .o d e i m n "i sure wi l be de m d to be da a endleemgs be a se o "pe so a i j ry ,ro i e h t:c u f r n l n u "p vd d t a Li bl t to such pa t fo ,o fo thaiiyryrrre co t o ,th t pa t 'de e se ha a sosfarysfnsl "Pe so a a d a v rt si g in ur "ca se by arnlndeinjyudnbenasumdbyyuinthsaeeseoemofesecomtebyaisurewhoefnmitdnnds"i sure o t a t ;ndndcnrc"a bu i e s i :s n s s Su h a t r e s'fe s a d l t g t octonyeniiain Ad e t si g "b o d a ti g"o pu l shi g;v r i n ,r a c s n r b i nepeseaefodeeseothtpatxnsrrfnfary Pa e 7 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCIAL E ERAL IAB LITYEGNLI De ig i g o de e m n n con e t o ne tr l z n ,o i a y wa esnnrtriigtnfuaiigrnnyrspo di g onnt,ro we sit s f r o he s;r a se si g th e fe ts o ,"pol t n s".b e o t r o s s n e f c f l u a t An In e n t se rch,a ce s,co t nt otreacsner se vce p o i e .r i r v d r "Pe so a nd a v rt si g i j ry a i i g o t o :r n l a d e i n n u "r s n u f Ho e e ,thi e cl si n do s no a p y towvrsxuoetpl Wa ,i cl dn n e l re r i i w rrnuigudcadocvla;Pa a ra hrgps ,a dn o th d fi i i n ffeentoo Wa l k a t o by a m l ta y fo ce in l dngrieciniirr,c u i"pe so a i j ry .r n l n u "a t o i hi d ri g o de e dng a an t acinnnenrfnigisnFrteprpseohseclsio:o h u o s f t i x u n a t a o e pe t d a t ck by a yculrxceta,n Cre t n a d pro uci g co re po de ce go e nm nt so e egn o oaigndnrsnnvre,v r i r t e a t o i yhruhrt wri t n in the co d ct o y u busin ss,usin i i a y pe so n ltenuforegmltrrne o t e ge t ;orohransr bu l t ns,fi a ci l o a n a re o t ,oleinnarnulprsr In urre t o ,re elo ,re o ut o ,usurp dscinblinvlinenesletesaotyugods,pro u ts owtrbuorodcr po e ,o a ti n ta e by go e n e t lwrrcoknvrmnasevcewilnobecosieetherisltndrdathriyihidrngodeedigaanstuotnneirfnngibuiesoulshig;a dsnsfpbinn a y o he enfts. The pl ci g o fra e ,bo d rs o l n s,oanfmsrerikr a v rt sin ,fo y u o o he s a y he e odeigrortrnwrn "Pe so a a d a v rt sin in u y a i i g o t ornlndeigjr"r s n u fthIntrntwilno,by i se f,be co si e eeeelttlndrd a y a tu l o a l ge v o a i n o a y l w th tncarlediltofnaathbuiesoavrtsig"bro dca ti gesnsfdein,a s n "re tri ts o pro i i s the se d ng tr n m t i gscrhbtni,a s i t nopulshig.r b i n o d stri ut n f "un o i i e co m ni a i n".r i b i g o s l c t d m u c t o "Pe so a a d a v rt sin in u y a i i g o t ornlndeigjr"r s n u f a e e tro i cha r o o bule i bo rd thenlcnctomrltna "Pe so a a d a v rt sin in u y a i i g o t ornlndeigjr"r s n u fisurehotsoons,o o e whi h thendsrwrvrc a y a ce s to o di cl sure o a y pe so 'oncsrsofnrnsrisurexrciecoto.n d e e s s n r l o ga i a i n'co fi e t a o pe so arnztosndnilrrnl i f rm t o .n o a i n "Pe so a a d a v rt sin in u y a i i g o t ornlndeigjr"r s n u f "Pe so a a d a v rt sin nu y a i i g o trnlndeigijr"r s n uthunatoieuseoaohe's na e oeuhrzdfntrmr o the a tu l o a l ge pre e ce o a t a ,f c a r l e d s n r c u lprouctinyur-al a d e s,o a n n m odoemidrsdmiaer a l ge r hre t n d i pe sa o a be to ,l e d o t a e e d s r l f s s smtaa,o a y o he sim l r ta ti s to m sl aetgrntriaccied a be to fi e s o pro u ts co t i i gsssbrrdcnannaohrsptntaustoes.n t e 'o e i l c m r a be to ,pro i e th t th "pe so a a dsssvddaernln a v rt sin in ur "i ca se o co trbu edeigjysudrnitd to by t e h z rd us pro e ti s o sbe to .h a a o p r e f a s s"Pe so a a d a v rt sin in u y a i i g o t ornlndeigjr"r s n u f "Pe so a a d a v rt sin nu y a i i g o trnlndeigijr"r s n uthatulalgeotheteedichag,e c a ,l e d r r a n d s r e o the a tu l o a l ge pre e ce o a t a ,f c a r l e d s n r c u ldipesa,se pa e m gra i n,re e se osrleg,i t o l a r a l ge o th e t ne di pe sa o a y soi ,l e d r r a e d s r l f n l decaeo"po l t n s"a ny t m .s p f l u a t t a i e l q i ,ga e us o th rm l ir i a t oiudsoreartnr co ta i a t i cl di g sm k ,v po s,n m n n ,n u n o e a r An o s,o t o x e se a i in ut o nyylscsrepnrsgofa:so t fu e ,a i s,a k l s,che i a s a do,m s c d l a i m c l n wa te a d th t a e pa t o a y cl i os,n a r r f n a m rReuet,de a d o de o sta ut ry oqsmn,r r r t o r "sui "whi h a so a l ge a y "pe so a a dtcllesnrnlnreuaoyreureetthtayinureogltrqimnansdravrtsininuydecrieiPaarphdeigjr"s b d n r g aohrtetfo,m n t r cl a up re o etessroio,e n ,m v ,a o ebv.co ta n tre t de o i y o ne t a i e o inni,a ,t x f r u r l z ,r An l ss,co t o e p n e a i in o t oyosrxesrsgufanywayrespondto,or assess the effects o ,"po l t n s";r a yfluaton: Cl i o sui by o o be af o a yamrtrnhlfn Re ue t,de a d o de o sta ut ry oqsmn,r r r t o r re u a o y re ui e e t tha a y i suregltrqrmntnndgovernmentalauthorityoranyotherperson o o g n z ti n be a se o te ti g fo ,o o he s te t fo ,mrraiaocufsnrrtrsro i o ,cle n up,n t r a m ni o i g,cl a i g up,re o i g re o e co t i ,tre t de ootrnennmvn,m v ,n a n a ,t xfy oir co ta nn ,tre t ng de o i yng or ne t a i e o i a y wa re poniigai,t xf i u r l z ,r n n y s nd to o,r Pa e 8 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LI YEAELIT a se s the e f ct o ,a be to ,s s f e s f s s s Be a se o y u pe a i ns;c u f o r o r t o a be to fi e s o pro uct co t i i gsssbrrdsnann pro i e ha :v d d t tabeto;rssso The a ci e t ta e pl ce in th "co e a ecdnksaevrgCliosuibyoobeafoayamrtrnhlfntertr"a d uri g t e p l cy pe i drioyndnhoiro;go e n e t l a t o i y o a y o h rvrmnauhrtrnte The e pe se a e i cu re a d re o t d toxnsrnrdnprepesooogaiainbeaseornrrnztocufuswitioeyaothedaeothehnnerftftetigfo,m n t r ng cl a i g up,s n r o i o i ,e n n a ci e t ncdn;a dreoig,con a ni g tre t ngmvntin,a i , de o i y ng o ne t a i i g o in a ytxfirurlzn,r n The in ur d pe so submt to e a i a i njernisxmnto, wa re po di g to o a se sin the a o r e pe se by phy i i nysnn,r s s g t u x n ,s c a s o o r hocefuci e fe t o ,a be to ,a be to fi e s o a o t n s we re so a lfcsfssssssbrrsfeaanby re ui eqr. pro uct co t i i g a be to .d s n a nn s s s We wi l m k th se pa m nt re a d e s olaeeyesgrlsf fa l .The e pa m nt wi l no e ce d theutsyesltxe a pl ca l li i o i sura ce We wi l papibemtfnn.l y"Pe so a n ur "tornlijy:re so a l x e se f r:a n b e e p n s oAesoriinutonyprnasgofa:F rst a d a m ni te e a the ti e o aiidisrdtmfnReuaoepohaprso;f s l t m l y t t e n a ci e tcdn; Te mna i n o tha pe so 'sritoftrn Ne e sa y m dca ,surgi a ,X-ra a dcsreilclyneplyetrmomn;o de t l se vce ,in l d n pro the inariscuigstc Em l y e t rea e pra t ce po i y de i e ;npomn-l t d c i ,l c ,v c s a d a t o o i si n,such a co rci n,c r m s o s e o Ne e sa y a b l n e ho pi a ,c s r m u a c ,s t ldeoin,e au ti n re ssi n e tmtovlao,a g m n ,pro e si n l nu si g a d un r l se v ce .f s o a r n n f e a r i sdicipiefalretoprooeorsln,i u m t a v nce ha a sm n ,hum l a i nda,r s e t i i t o , We wi l n t a e pe se fo "bo i y i j r ":l o p y x n s r dl nu ydicrimnain,li e ,sl nd r vo a i nsitoblae,i l t o o th pe so 's rig t o pri a yfernhfvc, m l ci us pro e ut o o fa se a re t,a i o s c i n r l r s To a y i sure ,x e t "v l n e r o k rs".n n d e c p o u t e w r edeetooipiomnapidtotninrmrsnetpleor di e t d a tha pe so ,re a d e s orcettrngrlsf whe he such pra ti e poi y a t otrcc,l c ,c r To a pe so hi e to do wo k fo o o be af ornrdrrrnhlf o i si n o curs,i a pi d o ismsocspler a y i sure r t na t f ny i sure .n n d o a e n o a n d co m t e be o e duri g o a t r themitdfr,n r f e ti e o t a e so 's e p o m nt rmfhtprnmlye;o To a pe so in u e o th t pa t o pre i ernjrdnarfmssThesposechidpaetbrohrosisteu,l ,r n ,t e r r y u o n o re t tha th pe so no m l yowrnternralothtpesoaacoseunceofarnsnqefocupis.c e"pe so a i j ry to th t pe so a whornlnu"a r n t m a y o the e pl y e t rea e pra ti enfmomn-l t d c c s To a pe so ,whe he o no a "e pl y e orntrrtnmoe"fdecrieinPaarahsbdrgp,,or a y i sure ,i be e i s f r t e "bo i y i j r "a enndfnftohdlnuyraboveisdirected. pa a l o m st be pro i e und r a wo k r 'y b e r u v d d e r e sThieclsinaplewehethinuremysxuopishtresdacopnsainodiaiiybeeislaoametorsbltnftwrbelalsaepoernnyoheaaiyibeanmlyroiatrcpctsiiaa.m l r l wadtayolgaintoshaedaaewihononbitormgstr repay someone else who must pay damages be a se o he "pe so a nj ry .c u f t r n l i u "To a pe so i j re whi e pra t ci g in tr ct ngrnnudlcin,s u i o pa t ci a i g i a y phy ica e e ci e orriptnnnslxrssr ga e ,po t ,o a he i co te ts.m s s r s r t l t c n s We wil pa m d ca e pe se a de cri elyeilxnsssbd In l d d wi hi the "pro uct -co p e ecuetndsmltdbeoo"bo i y i j r "ca se b n cci e tlwfrdlnuyudyaadn: o e a i n h z r ".p r t o s a a dOnpeieyuonretrmssoworn; On wa s ne t to pre i e y u o n o re tyxmssowrn; or Ex l de u d r o e a ecudneCvrg . Pa e 9 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCIAL E ERAL IAB LITYEGNLI a sum d by th in ure in th sa e "i sureseesdemnd co tr ct ;n a "We wi l pa ,wi h re pe t to a y cl i welytscnam The a l ga i ns i th "sui "a d t e i f r a i nletonetnhnomtoivstgaeosetl,o a y "sui "a a nst n i sureneitrterntgiand we k o a o t th "o cur e ce o o f n e a enwbuecrn"r f e s rwedfeden: such th t no co fl ct a p a s to e i t be we naniperxsteAlepeseweicurlxnsn.th i t re ts o the i sure a d the i t re ts oenesfndnnesf th i de n t eenmie;Up to $2 50 fo th co t o ba l bo ds re ure,0 r e s f i n q i d b ca se o a ci e ts o tra f c l w v oa i neufcdnrfiailtos The in e n t e a d the i sure a k us todmiennds a i i g o t o the use o a y v hi l to whi hrsnuffnecec co du t a d co t o th de e se o thancnnrlefnft th Bo iy Inj ry Li b l t Co e a e a pi s.Weedluaiiyvrgple i d m i e a an t such "sui "a d a re thanentegistnget do no h v t u ni h h se bo ds.t a e o f r s t e n we ca a si n th sa e co n e to de e d thnsgemuslfne i sure nd th i d m i e ;ndndaenenteaThecotobodstoreeseatahmns,butsfnlatcet itonlyforbondamountswithintheapplicablelim The i d m i e :n e n t e o i sura ce We do no ha e to furn sh th sefnn.t v i e Ag e s i w i i g orenrtnt:bo d .n s Co p r t wi h us in th in e ti a i n,o e a e t e v s g t o Al re so a l e pe se in urre by thelanbexnscd se te e t o d fe se o h "sui ";t l m n r e n f t e t i sure a o r re ue t to a sist us in thendtuqss Im e i t l se d us co i s o a ymdaeynpefnivstgainodeeseothclio"sui ",n e i to r f n f e a m r t d m nd ,no i e ,sum o se o e aeastcsmnsrlglicldigatalssoernnsupto$5 0 anunculofaig0 pa e s re e v d in co ne to wi h theprciencintdaeaseotmfffrookybcufieomwr."sui ";t Al co rt co ts ta e a a nst th i sure in thelusxdgiend No i y an o h r insure who etfyters "sui ".Ho e e ,th se pa m nt do no in l dtwvreyestcue co e a e i a a l b e to th i de n t evrgsvialenmie; a t rne s'fe s o a t rn y 'e pe se ta etoyertoesxnsxd a dn a a nst h i sure .g i t e n d Co p r t wi h us wi h re pe t tooeaettsc Pre u g e t i t re t a a d d a anst the co rdi a i g o he a pl cajdmnneswregiontntrpibe i sura celnn i sure o tha pa t o th j d m n we pa .If a a l bl o tndntrfeugetyviaethe i de n t e nnmie;a d we m k a o f r to pa the a pl ca l li i oaenfeypibemtf Pro i e u w t ri t n ut o i a i n tovdssihwteahrzto:i sura ce we wil no pa a y pre u g e tnn,l t y n j d m n Ob a n re o ds a d o h r i f r a i nticrntenomtoiteetbaeothapeidotieatrthenrssdntrofmfereaeth"sui ";ndltdotetaofe.f r Co du t a d co t o th de e se o t encnnrlefnfhAlitretothefulaonoayjugetlnesnlmutfndmnidmienuch"sui ".n e nt e i s tthtacrueatretrothjdmnadacsfenyfeugetn So lo g a th a o e co d t o s a e m t a t r e s'n s e b v n i i n r e ,t o n ybfoewehaepad,o f r d to pa ,oervifeeyr fe s in urr d by us in th de e se o thaeceefnftdeoitdincortthpatothjugetthapseuerfedmnt i de nt e ne e sa y l t ga i n e pe se in urrenmie,c s r i i t o x n s c diwtihaplcallmtonuracesihntepibeiifisn. by us a d ne e sa y l t g ti n e p nse in urre byncsriiaoxescdTheepamnswilnoreuethelmtsosyetltdciifthidmieaorreustwilbepadaenentetuqelisisurnenac.Su pe e t ry Pa m n s.No wi h ta dn theplmnayetttsnigIfwedeedaisureaansta"sui "a d afnnndgitnn pro i i n o Pa a ra hvsosfrgp o Se t ofcinidmieotheinureiasonaeaapatnentefsdslmdsryCoeaeCoeaevrgsvrgBoiyInjry Andludtothe"sui ",we wi l de e d tha i d m i e if al otlfntnentelf Pro e ty Da a e Li bi i y o Pa a ra hprmgaltrrgp ofthfloigodtosaemteolwncniinre:Se ti nco Co e a e Co e a evrgsvrg Pe so arnl An Adv rt sin Inj ry Li bi i y such pa m nt wi ldeigualt,y e s lThe"sui "a a nst the i d m i e se ktginentees no be de m d to be da a e fo "bo iy i j ry ,t e e m g s r d l n u "da a e fo whi h the in ure ha a sum dmgsrcsdsse "pro e ty da a e o "pe so a in u y ,a d wi l noprmg"r r n l j r "n l tthlaiiyothidmieinacotatoeibltfenentenrcr re u e t e l m ts o n ura cedchiifisn.a re m nt th t s a "i sure o t a t ;g e e a i n n d c n r c " Thi i sura ce a pl e t uch l a i i y a sum dsnnpisosibltse Ou o l g t o to de e d a in ure 'in e n t erbiainfnnsdsdmie by t e i sure ;h n d a d to pa fo a t rne s'fe s a d ne e sa ynyrtoyencsr l t g ti n e pe se a Sup l m n a y Pa m n siiaoxnsspeetryetTheolgaintodeedothecotothbitofn,r s f e e ds wh nne:de e se o ,tha i d m i e ,ha aso be nfnftnentesle Pa e 10 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LI YEAELIT We ha e use up the a plca l l m t o wo k rs"whi e pe fo m ng duvdpibeiifrelrriti se i sur n e in th pa m nt o j d m n s,rea e to the co d ct onaceyefugetltdnuf y uro se t e e t o m d ca x e se ;r bu i e s;t l m n s r e i l e p n s o s n s To th spo se chi d pa e t,bro he oeu,l ,r n t r rThecodtossefotaoeothetemoniintrhbv,r r s f si te o tha co "e pl y e osrft-m o e "rthareetdecrieiaarahegemnsbdnPrgpaoebv, "v l n e r wo k r"a a co se u nceouteresnqeaenogee.r o l n r m t o a a r pfPrgah a o ebv; F r whi h th re i a y o l ga i n toocesnbitoIfyuredsintdnthDelrainsa:o a e g a e i e c a t o s sha e da a e wi h o re a so e nermgstrpymoAniniiua,y u a d y u spo se a edvdlonorur e se who m st pa da a e be a seluymgscuisures,but o l wit re pe t to the co du tndnyhscnc o the in ur de cri e in Pa a ra hfjysbdrgpousinssohihoretesoeonr.f a b e f w c y u a h l w e or a o e rbv;oApatnrshiojonvnureyuaearepritet,o r n Ari i g o t o hi o he pro i i g osnufsrrvdnrisure.Y ur m m e s,y u pa t e s,a dndoebrorrnrn fa l ng to pro i e pro e sio a he l hiivdfsnlatthisposeaeasoinures,bu o l wi herusrlsdtnyt ca e se vce .r r i srspetotecodutforuies.e c t h n c o y u b s n s Unl ss y u a e in th busin ss oeoreerAliielaiiycopayyuaeaisure.mt d i b l t m n ,o r n n d o cup ti n o pro i i g pro e sio a he l hcaofvdnfsnlatYummesaeasoisures,bu o l wi horebrrlndtnyt ca e se vce ,Pa a ra hrrisrgps ,,re pe t to th co d ct o y ur busin ss.Y uscenufoeor a dn a o e do no a pl to "bo i y i j r "b v t p y d l n u ymnaesaeisures,but o l wi h re pe t tagrrndnytsco a i i g o t o pro i i g o fa l n to pro i ersnufvdnriigvdthiuisayuraaes.e r d t e s o m n g r fi st a d o "Go d Sa a i a se v ce "byriromrtnris An o ga i a i n o he th n a pa t e shi ,j i trnztotrarnrpon a y o y ur "e pl y e "o "v l n e rnfomoesroute v nt r o l m te l a i i y co p ny y u a e aeueriidibltma,o r n wo k rs",o h r tha a e p o e oretennmlydr i sure .Y u "e e u i e o fi e s"a d di e t rsndorxctvfcrnrco v l n e r do t r.Any such "e pl y e "ooutecomoesr a e in ure s,but o l wi h re pe t to th irsdnytscer "v l n e r wo k rs"pro i i g o fa l ng toouterevdnrii d ti s a y ur o fi e s o di e t rs.Y uuesofcrrrcoor pro i e fi st a d o "Go d Sa a i avdriromrtn st ck o d r a e a so i sure s,but o l wi hohlesrlndnyt se v ce "du i g ther wo k ho rs fo y urisrniruro re pe t o t e r l a ii y a sto k o d rs.s c t h i i b l t s c h l e wi l be de m d to be a t n wi hi theleecigtn sco e o the r e pl y e t by y u opfimomnorAtrst,y u a e a in ure .Y u tru te s a euornsdorser pe f r i g dut e rea e to the co d ct oromnisltdnufasoinures,but o l wit re pe t to th ilsdnyhscer y ur usin ss.o b edtisatutes.u e s r s e "Pro e ty d m ge to pr p rt :p r a a "o e yEahfhefolwigiasoaisure:c o t l o n s l n n d Own d,o cup e r se yecidoudb;Y ur "v l n e r wo k rs"o l whi e pe fo mngoouterenylrri Re t d to in the ca e custo y one,r ,d rduisreaetothecodutoyurbusinss,t e l t d n c f o e co tr l o ,o o e whi h phy icanofrvrcsloyu"e pl y e ",o h r th n e t e y urormoesteaihror co tr l i b i g e e ci e fo a ynosenxrsdrn"e e u i e o f ce s"(i y u a e a o ga i a i nxctvfirfornrnzto pu po e b ;r s yohrthaapateshi,j i t v n u e o l m t dtenrnrponetrriie l a i i y co p ny o y u a a e s (i o re aibltma)r o r m n g r f y u a y u,a y o y u "e pl y e ","v l n e ronformoesoute l m te l a i i y co pa y ,but o l fo a tsiidibltmn)n y r c wo k rs",a y pa t e o m m e i o rerenrnrrebr(f y u awihithescoeotherepomnbyyuotnpfimlyetorapateshiojonvnue,o a yrnrpritetr)r nwhiepefrmnduisreaetothecodctlroigteltdnumme(i y u a e a li i e l a i i yebrformtdiblt o y ur busin ss.Ho e e ,no e o th sefoewvrnfe co pa y .m n )"e pl y e "o "v l n e r wo k rs"a emoesrouterer An pe so (o he tha y ur "e pl y e oyrntrnomoe"risurdfr:n e s o "v l n e r wo k r"),o a y o g n z t o ,whieouterernraiainl "Bo i y i j r "o "pe so a n ur ":d l n u y r r n l i j y a t n s y u e l e ta e m na e .c i g a o r r a s t a g r To y u,to y u pa t e s o e be s (ioorrnrrmmrf An pe so o o g n z t o ha i g pro eyrnrraiainvnpryuaeapateshiojitvnue,o r r n r p r o n e t r )te po a y custo y o y ur pro e ty if y u di ,m r r d f o p r o etoyummes(if y u a e a li i eorebrormtd bu nl :t o ylaiiycopn),to a co "e pl y eibltmay-m o e "Wit re pe t to li b l t a i i g o t o thehscaiiyrsnufwhieinthcorseohioheleufsrrmitnaceoseotarprt;a danenrufhtpoeyneplyetopefomngdutemomnrrriis re a e to the co du t o y ultdncfor Unt l y u l ga re r se t t v ha be niorelpenaiese bu i e s,o to y u o h r "v l n e r a po n e .s n s r o r t e o u t e p i t d Pa e 11 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCIAL E ERAL IAB LITYEGNLI Y u l g l re re e t t v if y u di ,but o loreapsnaieoeny Ari e o t o th o n r hi ,m i te a ce ossufewespannnr wi h re pe t to duti s as such.Tha use o t a a t o ny pre i etscetfhtprfamss l a e o y u.e s d t o re re e ta i e wi l ha e al y u rig t a dpsntvlvlorhsn The i sura ce pro i e to such pre i e o ne ,n n v d d m s s w rduisunehiCoeaePattedrtsvrgr.m na e o l sso i sub e t to the fo l wngagrrersjcloi An pe so o o ga i a i n tha ,wi h y u pro i io s:y r n r r n z t o t t o r v s n e pre s o im l e co se t,e t e use o isxsrpidnnihrsr The l m ts o i sura ce pro i e to suchiifnnvddreposibefotheuseoawaecratthtyusnlrftrfaopreieone,m na e o le so wi l be themsswragrrsrldonoonthts:t w a i m n m m l m t th t y u gre d o p o i e i heiiuiisaoaetrvdnt 50 fe t o g r e s;a d wri t n co t a t o a r e e t,o the lelnolsntenrcrgemnri i smt sho n i he De l ra i ns,hi he e a e l ss.w n t c a t o w c v r r eNobengusetocaryaypesootidrnrnr pro e ty f r ha g .p r o a c r e The in ura ce pro i e to such pre i esnvddmss o ne ,m na e r e so o s no a pl t :w r a g r o l s r d e t p y oAnognztoyunelaqureofomohryraiainowycirr,t e th n a pa t e shi ,jo n v nt r o l m t d l a i i yarnrpiteueriieiblt An "bo i y in u y o "pro e ty da a eydljr"r p r m g " co p ny a d o whi h y u a e t e soe o n r o i th t o cur ,o "pema,n f c o r h l w e r n a c s r rso a a d a v rti inlndesng whi h y u m i t i a o ne shi in e e t o m r i j ry ca se bycoanannwrptrsfoenu"u d a o fe se tha infnts th n 50 ,wi l qu l fy a a Na e nsure f t e e i co m t e ,ft r oa%l a i s m d I d i h r s m i t d a e y u e se to beca t na t naeni no o h r sim l r in ura ce a a l bl to tha th t re i e ;rteiasnviaetapmsso o ga i a i n o e e :r n z t o .H w v r St u tu a ate a i ns,ne co stru ti n orcrllrtowncor Co e a e und r thi pro i i n i a f rde o l de oi i n o e a ivrgesvsosfodnymltoprto s pe fo m dnrre by o orn un i th 180t da a t r y u a qu re o fo m th be a f o such p e i e otlehyfeocirrehlfrmsswn r,m na e reagro o ga i a i n o the e d o the poi y pe i d,l sso .r n z t o r n f l c r o e r whi he e s e rle ;c v r i a i r An pe so o o g n z t o th t is a e ui m ntyrnrraiainanqpe Co e a evrg do s no a pl to "bo iy in u y o l sso nd t a o a eetpydljr"r e r a h t y u h v gr e i w i t n coaednartentr cta "pro e ty da a e th t o curre be o e y u o a re m nt to in l dprmg"a c d f r o r g e e c u e a a a d t o asndiinl i sure ondn a q i e r f rm d he o ga i a i n nd th s Co e a e Pa t is acurdooetrnzto;a i v r g r n i sure ,bundt o l wi hnyt re pe t to l a i i y fo "bo i y i j ry ,"pro e tyscibltrdlnu"p rCoeaevrgdosnoapyto"pe so a a detplrnln da a e ,r "pe so a nd a v rt si g i j ry th t:m g "o r n l a d e i n n u "aavrtsinijryaiigotoaofnedeignu"rs n u f n f e s co m t e be o e y u a q i e o fo m d themitdfrocurdrre Is "bo i y i j ry o "pro e ty da a e th tdlnu"r p r m g "a o ga i a i n o cur ,o i "pe so a a d a v rt si g in u yrnzto.c s r s r n l n d e i n j r " ca se by a o fe se tha is co m t e ,u d n f n t m i t dFrthpupoeoPaarpoerssfrgahoSetofcinsubseunttothesinngothacotrctoqegiftnarWhoIsAnInure,e ch such o ga i a i n wi l besdarnztol a re m nt a dgee;ndemdobeigaenteDelraina:e e t e d s n t d i h c a t o s s Is ca se ,in who e o i pa t,by y u a ts oudlrnrorcrAnognzto,o he tha a pa t e shi ,jo nraiaintrnrnrpit o i si n in the m i t n nce o e a i n o usemsosanea,p r t o rvntrriieibiiycopayreueolmtdlaltmn;o o e u pm n l a e to y u by such e u p e tfqietesdoqimn l sso .e rArust;t The in ura ce pro i e t such qu p e t l sso ssnvddoeimneriainiaeinitnaeothedoumntthasdctdsmrcestsubjcttotefolwigpoiin:e h l o n r v s o sgoenisstrctrevrtuu. The l m ts o i sura ce pro i e to suchiifnnvddAnpesooognztothtiapreieyrnrraiainasmsseuimnesowletemnmmlmttaqpetlsrilbhiiuiishtone,m n g r o l sso a d th t y u ha e a re dwraaerernaovge y u a r e to pro i e i the wri te co tr ct oogedvdntnnariawritncotatoaremnttoicldaantenrcrgeenuesnaremntotheliisshonithgee,r mt w n eadiinlinureothsCoeaePatisadtoasdnivrgrnDelrains,hi h v r a e l ss.c a t o w c e e r eisure,but o l wit re pe t to li b l t fo "bo iyndnyhscaiiyrdl The i sura ce pro i e to such e u p e tnnvddqimnijry,"pro e ty da a e o "pe so a a dnu"p r m g "r r n l n l sso do s no a pl to a y "bo iy i j ry oeretpyndlnu"ravrtsinnur"th t:d e i g i j y a "pro e ty da a e th t o curs,o "pe so aprmg"a c r r n l Is "bo i y i j ry o "pro e ty da a e th t a d a v rt sin in ur "cadlnu"r p r m g "a n d e i g j y u e by a o fe sesdnfn th t i co m t e ,a t r the e ui m nt l a easmitdfeqpeesoccurs,or is "personal and advertising injury" e pi e .x r scasebyaofesethaiscomte,u d n f n t m i t d subse u nt to the si n ng o tha co tr ct oqegiftnar No pe so o o ga i a i n is a in ure wi h re pe t tornrrnztonsdtsc a re m nt a dgee;n th co du t o a y curre t o pa t pa t e shi ,jo nencfnnrsrnrpit Pa e 12 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LI YEAELIT v nt r o l m t d l a ii y co pa y tha is no sho n aeueriieibltmnttws The a o n sho n fo th Da a e Tomutwremg a Na e In ure in the De l ra i n .Thi pa a ra h Pre i e Re tmdsdcatossrgpmssne To Y u Li i i thdomtne do s no a pl to a y such pa t e shi ,jo n v nt re o De l raetpynrnrpiteurcat o s o hi Co e a e Painftsvrgrt o;r l m te l a i i y co pa y tha o h rwi e qua i i s a aiidibltmntteslfesn $3 0 0 0 if no a o nt i sho n fo the0,0 m u s w r i sure n e e t ondudrScin Who I A nsure .s n I d Da a e To Pre i e Re t d To Y u Li i imgmssneomtn th De l ra i ns o h s Co e a e Pa tecatoftivrgr. Su j ct to Pa a r pbergah a o e the M d cabv,e i lTheLiisoInsuraceshonithDelrainsmtfnwnecatoExeseLiiithmstwewilpaundrpnmtseolyeadthrulsbeofithemstwewilpaneelwxolyCoeaevrgfoalmdiaepnsebeaseorleclxescufrgadesohenubef:e r l s f t m r o "bo i y i j r "su tan d y a y o e p rso .d l n u y s i e b n n e nInures;s d The Li i s o Insura ce o thi Co e a e Pa t a plmtfnfsvrgrpy Cl i s m de o "sui s"bro gh ;oamartutr se a a e y to e ch co se ut v a n a pe i d a d to a yprtlancienulronn re ani g pe i d o l ss th n 12 m nt s,sta t n wi hminrofeaohrigtPesosoogaiainmkngclisornrrnztosaiamr th be i n n o the po i y pe i d sho n i theegnigflcrownbrigng"sui s".n i t De l ra i ns,une s the poi y pe i d is e t nd d a t rcatolslcroxeefeTheGeeaAggeaeLmtstemstewilpynrlrgtiiihowlaisuacefoaadiinlpeidolesthn12snrndtoarofsafohesumo:r t f m nt s.In th t ca e th a d t o a pe i d wi l beohas,e d i i n l r o l M di a x e se un e o e a eeclepnsdrCvrg ;de m d pa t o h l st re e i g e i d o urp se oeerfteapcdnprofrposf de e m n ng th L m ts o nsura cetriieiifIn.Da a e unde Co e a emgsrvrg ,e ce t da a expmgs be a se o "bo iy i j ry o "pro e ty da a ecufdlnu"r p r m g " i cl d d in th "pro uct -co p e e o e a i nsnueedsmltdprto ha a d ;ndzr"a Da a e u d r Co e a emgsnevrg .Ba k up cy o i so v ncy o th i sure o o thnrtrnlefendrfe The Pro u ts-Co pl t d Ope a i ns Aggr g tedcmeertoea i sure 'e ta e wi l no re i v us o o r o l ga i nndsstltleefubitos Li i i th m st we wi l pa un e Co e a emtseolydrvrg for un e hi Co e a e Pa tdrtsvrgr. da a e be a se o "bo iy in u y a d "pro e tymgscufdljr"n p r da a e i cl de i the "pro uct -co p e emg"n u d n d s m l t d o e a i n h z rd .p r t o s a a " Y u m st se to i th t we a e no i i d a so nouetartfesoSujcttoPaarpbergahaoethPesoaAndbv,e r n l a pra ti a l o a "o cur e ce o a o f n esccbefncrn"r n f e sAdetsigInuyLiiisthemstwewilpavrinjrmtolywhihmyreuliaclamTotheetncastni.x e tuneCoeaedrvrgfothesumoaldaaerflmgsposil,no i e sho l n l d :s b e t c u d i c u ebeaseoal"pe so a i j ry a d "a v rt sincuflrnlnu"n d e i g Ho ,whe a d whe e the "o cur e ce ownnrcrn"rijrysustandyayoepesorraiainnu"i e b n n r n o o g n z t o . o fe se t o l cefnokpa;Su j ct to Pa a r pbergah or a o e whi he ebv,c v r The na e a d a dr sse o a y in ur dmsndesfnjeaple,the Ea h Occurr n e Li i i th m st wepiscecmtseo pe so s a d i n sse ;ndrnnwtesawilpyfohesumo:l a r t f The na ur a d l ca i n o a y i j ry otenotofnnurDaaeudrCoeaemgsnevrg;nda da a e a i i g o t o th "o cur e ce omgrsnufecrn"rMdiaxeseuneoeaeeclepnsdrCvrg;o fe sefn. be a se o al "bo i y i j ry a d "pro e ty da a ecufldlnu"n p r m g "If a cl i i m de o "sui "i bro g t a a nstamsartsuhgiaiigotoayoe"o cur e ce .r s n u f n n c r n "a y i sure ,y u u t:n n d o m s F r the pur o e o de e mni g the a pl ca lopssftrinpibe Im e i t l re o d th spe i i s o themdaeycrecfcfEahOccurrneLii,a l re a e a t ocecmtlltdcsr cl i r "sui "a d he da e r cev d ndamotntteie;aoisincomteiproiigofalngtomsosmitdnvdnrii No i y us a so n a pr ct ca l .t f s o s a i b eproiefistado"Go d Sa a i a se vce "tovdriromrtnris a y o e pe so wi l be de m d to be o ennrnleen Y u m st se to i tha e r ce v ri t n o i eouettweiewtentc "o cur e ce .c r n "o h cl i o "sui "a so n a pra t ca l .f t e a m r t s o s c i b e Su j ct to Pa a r pbergah a o e th Da a e Tobv,e m g Y u a d ny o he n o v d n ure m st:o n a t r i v l e i s d u Pre i e Re t d To Y u Li i i the m st we wilmssneomtsol Im e i t l se d us co i s o a ymdaeynpefnpaundrCoeaeyevrgfodaaebeaseormgscufdead,no i e ,sum o se o le amnstcsmnsrgl"pre i e da a e to a y o e pre i e .Themssmg"n n m s s pa e s re ev d in co ne ti n wit thprciencoheDaaeToPreieRetdToYuLiiwlemgmssneomtilb:cl i r "sui ";a m o t Pa e 13 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCIAL E ERAL IAB LITYEGNLI Au h ri e us to o ta n re o d a d o h rtozbicrsnte An e e u i e o f ce o di e to oxctvfirrrcrf i f rm t o ;a y o h r r a i a i n rnoainnteognzto;o Co p r t wi h us i th in e ti a i n ooeaetnevsgtor A ruste f ny t u t;t e o a r s se t e e t o the cl i o de e se a a nsttlmnfamrfngi th t is y u pa t e ,jon v n u eaorrnritetrth"sui ";ndeta m m e ,m na e o ru te ;rebragrrtseo Assi t us,upo o r re ue t,i thesnuqsn An e p o e a t o i e by suchymlyeuhrzdefoceetoayrihaantaynrmnfngtgisnpateshi,j i t v n ure li i ernrponet,mt dpesooogaiainwhihmybelalrnrrnztocaibelaiiycopnytrustoroteibltma,h rtothisurebeaseoinuyodaaeendcufjrrmgogaiaintogienoieoarnztovtcfntowhchhiisuracemyasoapyitsnnalpl."o cur e ce o o fe secrn"r f n . No in ure wi l e ce t a th t in ure 's o nsdl,x p t a s d w No i e to us o such "o cur e ce otcfcrn"rcot,v l nt ri y m k a pa m n ,a sum a ysoualaeyetsen o fe se wi l be de m d to be gi e a so nfnleevnsoolgtinoinurayepeseohrthafobiao,r c n x n ,t e n r a pra ti a l i it is gi e i go d fath asccbefvnnoisfisti,wi h u o r o se t.r ad t o t u c n n so n a pra ti a l to y u wo k r 'o s c c b e o r r e s co p nsa i n in ure .Thi a p i s o l ifmetosrsplenyThefolwigproiiosapytoPaarahlonvsnplrgp y u subse ue tl gi e no i e to us o theoqnyvtcfaoebuolfopuroeothinuracebv,t ny r p s s f e s n "o cur e ce o o fe se a so n acrn"r f n s o sproieunetiCoeaePatoyuoayvdddrhsvrgrtorn pra t ca l a t r a y o th pe so scibefenfernisurelsteiPaarpndidnrgahoroSetinfco de cri e in Pa a ra hsbdrgp or a o ebvWhoIAnsure:s n I d di co e s tha th "o cur e ce o o fe sesvrtecrn"r f nNoietousosuch"o cur e ce otcfcrn"r m y re ul in sum to whi h the in ura ceastscsn o fe se m st be gi e a so n afnuvnsos pro i e un e th s Co e a e Pa t m yvdddrivrgra pra t ca l o l a t r th "o cur e ce ocibenyfeecrn"r a pl .p y o fe se is k o n to y u (i y u a e afnnwoforn Ho e e ,i thi po i y i cl de a e do se e twvrfslcnusnnrmnidvdul,a y o y u pa tn rs orniia)n f o r r e th t pro i e li i e co e a e fo "bo iy i j ryavdsmtdvrgrdlnu"m m e s who i a in i i u l (if y u a e aebrsndvdaor o "pro e ty da a e o pol ti n co ts a i i grprmg"r l u o s r s npateshiojonvnure,a y o y urnrpritet)n f o r o t o a di cha ge ree se o e ca e oufsr,l a r s p fmnaeswhoisainiiul(i y u a e aagrndvdafor "po l t n s"whi h co t i s a re ui e e t thaluatcnanqrmntlmtelibltycopn),a y o y uiidaiimaynfor th di cha ge re e se o e ca e o "pol t n s"e s r ,l a r s p f l u a t"e e u i e o f ce s"o di e to s (i y u a exctvfirrrcrfor m st be re o te to us wi h n a spe i i n m euprdticfcubraognztoohrthaapateshi,n r a i a i n t e n r n r p o da s a t r i s a ru t co m n e e t,th sfyfetbpmecmnijitvntreoliielaiiycopay,o n e u ,r m t d i b l t m n )Pa a r prgah do s n t a fe t t a e u re e t.e o f c h t r q i m nayoyurtrsteswhoisaidvdul(ifnfouenniia y u a e a trust)o a y "e pl y eorrnmoe" No pe so o o g nz t o ha a ri h und r th srnrraiainsgteiatoiebyyutogienoieoauhrzdovtcfn Co e a e P rtvrga:"o cur e ce o o fe secrn"r f n . To jo n us a a pa t o o h r i e bri g us i tisryrtewsnnoIfyuaeapateshi,jo n v n ureorrnrpitet,a "sui "a ki g o d m ge f o n n ure ;otsnfraasrmaisdrlmtelibltycopayotrut,a d no eiidaiimnrsnn To sue us o th s Co e a e Pa t unl ss al onivrgrelfoyurpates,jo n v nt r m m e s,f o r n r i t e u e e b r i s t rm ha e be n u l co p i d i htesveflymlewt.m na e s o t u te s a e i di i u l ,o i eagrrrsernvdasntc to us o such "o cur e ce o o f nse m stfcrn"r f e u A pe so o o ga i a i n m y sue us to re o e ornrrnztoacvrn be gi e a so n a pra ti a l o l a t rvnsosccbenyfe a a r e se t e e t o o a fi a ju g e t a a nstngedtlmnrnnldmngi th "o cur e ce o o fe se i k o n yecrn"r f n s n w b :a in ure ;but we wil no be li be fo da a ensdltalrmgs th t a e no pa a l und r th te m o th sartybeeersfiAnndvdulwoi:y i i i a h s Co e a e Pa t o tha a e i e ce s o thevrgrrtrnxsf A pa t e o m m e o a yrnrrebrfn a pl ca l l m t o in ura ce An a r e se tl m npibeiifsn.g e d t e e t pa t e shi r o n e t r ;r n r p o j i t v n u e m a s a se tl m n a d ee se o i b l t ig e yenteetnrlaflaiiysndb us,the i sure ,a d the cl i a t o th clam n 'n d n am n r e i a tsAmnaeoaylmtelaiiyagrfniidibltlgaersetaieelrpentv.co p nyma; Pa e 14 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LI YEAELIT Tha i in ura ce fo "pre i etssnrmss da a e ;m g "If v l d a d col cti l o h r i sura ce is a a l bl oainlebetennviaet If th lo s a i e o t o theesrssufthisurefoaloswecoeundeCoeaeendrsvrrvrgs m i t na ce o use o a rcra tanenrfif,or o th s Co e a e Pa t o r o l g t o s a efivrgr,u bi a i n r "a t s"o wa e cra t to the e t ntuortrfxelmteadecrieiaarahiidssbdnPrgpsadnbeo.l w no subj ct to a y e cl sio i thstenxunniAsuseayheeinthsCoeaePatohrdnwrivrgr,t e Co e a e Pa t th t a pl e tovrgrapisisuracemasinuraceothfunigonnensn,r e d n f a rcra t "a t s"o w t rcra tif,u o r a e f ;l sse ,ha s p o i e y hr u h o o b ha f o :o s t t i r vd d b ,t o g r n e l f Tha is in ura ce a al bl to atsnviaeAnteisuracecopayohrnnmn;pre i e ow e ,m na e ormssnragr Us o n f ur ff l a e n ura ce co pa i s,r a y o o a i i t d i s n m n e l sso th t qua i i s a a in ureeralfesnsd e ce t whe th No cum l t o o Ea hxpnenuainfc un e Pa a ra hdrrgp o Se t ofcin Occurr n e Li i pro i io o Pa a ra hecmtvsnfrgp of Who Is An Insure ,e ce t whedxpn Se ti nco Li i s Of Insura ce o th Nomtnren Pa a r prgah beo pp i s;rlwaleo cum l ti n o Pe so a a d Adv rt sin In uruaofrnlneigjy Tha is i sura ce a al b e to atnnvialnLiiproiiooPaarahmtvsnfrgpoSetinfcoeuimnlssothtquaiisaqpeteralfesLiisoInuraceapisbeasethmtfsnplecueainureundePaarpnsdrrgahofAmnmnNoCumltoOfEahedetnuaincSetincoWhoIsAnInsure,dOccurrneLiiOfLibiiyAndNoecmtaltnecetwhePaarahxpnrgpbeolwCumltoOfPesoaAdAdetsigInjryuainrnlnvrinuaple.p i sLiiedoseetiicldenthspoiymtnrmnsnudiilc;An o the o h r i sura ce whe heyftenn,t rAnikeetingrop;oyrsrtnour pri a y e ce s,co t n e t o o a ymr,x s n i g n r n n o h r ba is,tha i a al bl to thtestsviaeeAnyself-insurance method or program,in i sure whe the i sure is andnndnwhichcasetheinsuredwillbedeemedtobe th p o i e f o h r i sura ce a di i n l i sure ,o is a y oervdrotenn.d t o a n d r n th re i sure tha do s no qu l fy a andtetaisOteinuracedosnoinldumrelhrsnetcueblanaeisure,un e such o h rmdnddrteisuraceoecesinuracethtwabogtnn,r x s s n ,a s u h i sura cenn.spe i i a l to a p y in e ce s o th Li i s ocfclyplxsfemtf Whe th s i sura ce i e ce s,we wilninnsxslInuraceshonintheDelrainsothssnwcatofi ha e no dut und r Co e a evyevrgs or toCoeaePrtvrga. de e d th i sure a a nst a y "sui "i a yfnendgintfnAsuseayheeinthsCoeaePatohrdnwrivrgr,t e o h r in ure ha a du y to de e d thetesrstfnisuremasaproieoohrinuraceAsnrenvdrftesn.i sure a a n t tha "sui ".If no o h rndgisttteuseinPaarahdrgpbeo,in ure m a s alwsren i sure de e d ,we wi l un e t k t o sonrfnsldraeod,pro i e f n ura cevdroisn.bu we wi l b nt t e t h i sure 'ri h stleeildotendsgt a anst l h se o h r nsur r .g i al t o t e i e s Whe thi in ura ce i e ce s o e o h rnssnsxsvrteThiinsuraceispriayexetwhesnmrcpnisuracewewilpaolorshaeothenn,l y n y u r fPaarprgahbeoaple.If th s i sura ce ilwpisinns a o nt o the lo s,i a y th t e ce d themufsfn,a x e spriayorolgtinaenoafcteunesmr,u bi a o s r t f e d l s sum o :fayothohrisuraceisasopriaynfetennlmr. The to a a o nt tha a l such o h rtlmutlteThe,we wil sha e wi h a l t a o he n ura cenlrtlhttrisn i sur n e wo l pa fo th lo s i thnacudyresnebytemthdecrienPaarpheodsbdirgahbeo,l w a se ce o hi i sura ce nbnftsnn;a decethnaarahxpwePrgpbeoppis.l w a l e The to a o a l de u ti l a d se ftlfldcbenl- i sure a o nt unde a l th t o h rndmusrlate Thi i sura ce i e ce s o e :s n n s x s v r i sur n enac. We wi l sha e the re an ng l ss,if a ylrmiion,An o the o he in ura ce whe heyftrsn,t r wi h a y o he in ura ce th t i notntrsnastpriayeces,co t n e t o o a ymr,x s n i g n r n n de cri e in thi Ex e s Insura cesbdscsnohrbsi:t e a s pro i i n a d wa no bo g t spe i i al tvsonstuhcfclyoThaisFieExeddCoeaetr,t n e v r g ,a pl i e ce s o the Li i s o In ura cepynxsfmtfsnBule'Ri k In tal t o Risk oidrss,s l a i n r sho n i th De l r t o s o thi Cov r gwnecaainfseaesiiaoeaefo"y ur o k ;m l r c v r g r o w r "Pa tr. Pa e 15 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCIAL E ERAL IAB LITYEGNLI The sta e e t in th De l ra i ns a etmnsecator a cura e a d co p e ectnmlt;If a l o the o he i sura ce pe m t co t i ut olftrnnrisnrbin by e u l sha e ,w i l fo l w t i m t o l oqarsewllohsehdas.Tho e sta e e ts a e ba e upostmnrsdn Und r th s a pr a h e ch in ure co t i ut s re re e t ti n y ueipocasrnrbepsnaoso a e to us;nmdad e ua a o n s unt l it ha pad it a pl ca lqlmutisispibe We ha e i sue th s poi y i re i n e up nvsdilcnlacolmtoinuraceonoeothlssreans,i i f s n r n f e o m i y ur e re e ta i ns.o r p s n t o whi he e o e fi st.c v r c m s r The uni te ti n l o i sio o ,o uni t n i na e ronnoamsnfrnetolrrIfayothohrisuracedosnopemtnfetennetrii,a y i f rm ti n pro i e by y u whi h we re i dnnnoaovddoclecotrbuinbyeulshae,we wi l co t i utnitoqarslnrbe up n i issui g th s po i y wil no preu i e y uonnilcltjdcor by l m t .Und r th s m t o ,e ch i sure 'siiseiehdanr ri ht unde th s in ura ce Ho e e ,thi pro i i ngsrisn.w v r s vs oshaeisbaeotheraioisapialiirsdntoftplcbelmtdosnoafctorrihtocolctadiin letfeugtledtoaoinuracetothtoaaplcalliisofsnetlpibemtfpreimotoeecieorrigtocaceltoomurxrsuhsfnlainr i sura ce o l nsure s.n n f a l i r no re e a i cco d nce w t pp i a l n ura cennwlnaraihalcbeisn l ws o e ul t o s.a r r g a i n If y u spe i i al a re i a wri t n co t a t oocfclygentenrcr Ex e t wi h re pe t to the Li i s o In ura ce a dcptscmtfsn,naremntthatheisuraceafoddtoageetnnfrenayrihsoduisspeiialasigeithsngtrtecfclysndniisureunehiCoeaePatmstplnnddrtsvrgruapyoCoeaePattothefistNaeInsure,th svrgrrmddi a pri a y ba i ,o a pri a y a d no -m r s s r m r n n i sura ce a pl e :n n p i scotrbuoybais,th s i sura ce is pri a y tonitrsinnmr As i e ch Na e In ure we e the o lfamdsdrnyohrinuracethtiaalblosuchisuretesnasviaetndNaenure;ndmdIsdawhihoessuchnureaanmdisure,c c v r i s d s a e n d Se a a e y to e ch in ure a a n t who cl iprtlasdgismamadwewilnoshaewihthtohrinuracenltrtatesn, i m d o "sui "i b o g tsaertsruh.pro i e ha :v d d t t The "bo i y i j ry o "pro e ty da a e fodlnu"r p r m g "r whi h co e a e i so gh o cur ;ndcvrgsutcsa If the i sure ha ri h s to re o e al o pa t o a yndsgtcvrlrrfnThe"pe so a a d a v rt sin i j ry fornlndeignu"r pa m n we ha e m d unde thi Co e a e Pa tyetvaersvrgr,whi h co e a e is so gh i ca se by acvrgutsudn th se ri ht a e tra sfe re t us.he i sure ustogsrnrdoTndmofesetaicomte;f n h t s m i t d do no h ng a te l ss to i p i th m At o r re u st,t i f r o m a r e .u q esubseunttothesinngothacotrctoqegiftnarthisurewilbrig"sui "o tra sfe tho e ri h sendlntrnrsgtaremntbyyugeeo.to us a d h l s e f rce t e .n ep u n o h m We wi l co p t al p e i m f r h s Co e a elmuelrmusotivrg If we d ci e n t o r n w h s Co e a e P rt e wi ledoteetivrga,w lPaticcodncewturueadae.r n a r a i h o r l s n r t s m i o dei e to th fi st Na e In ure sho n inalrlvrermdsdwPreimshoninthsCoeaePatamuwivrgrsthDelrainwritenoieothenornwaecatostntcfneelavncepreimiadeoiprmumol.Adamuspsteinyt no l ss th n 0 da s be o e t e e pi a i n da etea3yfrhxrtot.th clo e o e ch a dt pe i d we wi l co p tesfauirolmue If no i e is m i e ,pro f o m i i g wi l be suffi i ntcaldofalnlcettherndpreimfothtpeidadsedeaemuraronnproffoieoontc.no i e t th fi st Na e I sure .The du da etcoermdndet fo a di a d re ro pe ti e p e i m i t e d trutntscvrmusshae "shown as the due date on the bill.If the sum of Ad e t se e t"m a s a no i e th t s br a ca t ovrimnentcaiodsr pu l she to the ge e a pub i o spe i i m rbidnrllcrcfcatheadvanceandauditpremiumspaidforthek te po i y pe i d is gre te tha the e rn dlcroarnae se m nt a o t y ur go ds,pro u ts o ser i egesbuoodcrvcs fo th purp se o a t a ti g custo e s oreoftrcnmrrpremium,we will return the excess to the first Na e nsure .supp rt r .o h p r o e o hi de i i i nmdIdoesFrteupssftsfnto: The fi st Na e In ure m st k e re o d ormdsduepcrsf No i e th t a e publ she i cl de m t r atcsaridnuaeil th in o m t o we ne d fo pre i m pl ce o the Int rn t o oefrainermuadneern siml r ee tr n cialcoi co p t ti n a d se d us co i s a such t m smuao,n n p e t i e m a s o co m ni a i n;a denfmucton a we m y re u st.s a q e Re a di g we sit s,o l tha pa t o a we si egrnbenytrfbt th t is a o t y u go d ,pro u ts o se v ceabuorosdcrris fo th pur o e o a t a t ng custo e s orepssftrcimrrByacetigtiplcyogre:c p n hs o i ,y u a e supp rt r i co si e e a a v rt se e toessndrdndeimn. Pa e 16 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LI YEAELIT "Ad e t si g i j ry :v r i n n u "In by o wit a y o he e e t o i m a s o,r h n t r l c r n c e n f co m n ca i n such a th In e n t,if thamuito,s e t r e tMasinurcasebyoeomreotheenjyudnrofmteiliprf:a r a s a t ofolwigofese:l o n f n s Ra i o tee i i n pro r m i g be ngdorlvsogamniOraowritepubiainincldiglrtnlcto,u n tr n mt e ;a s i t dpulcainbyeetoimas,o m t ri lbitolcrncenfaea i y ur "a v rt se e t th t sla d rs onodeimn"a n e r Ot e en e ta n e t e uca i n lhrtrimn,d t o a ,l b l a pe son or or a i a i n oriesrgnzto i structi n l m si o ne s pro r m i gnoa,u c r w g a m ndipaaeapeso'o o ga i a i n ssrgsrnsrrnzto'ben ra sm t e ;oigtnitdrgods,pro u ts o se v ce ,pro i e thaodcrrisvddt th cla m i m d o he "sui "i b o g t byeisaerttsruh Ad e t si g tra sm t e wi h a y o suchvrinnitdtnf a pe so o o g ni a i n h t cl i s to ha ernrraztotaamv pro ra m n .g m i g be n sla d re o li ee ,o tha cla m toenedrbldrtis "Co e a e t rri o y m a s:v r g e t r "e nhaehaitgods,pro uct o se v cevdsodsrris di pa a e ;s r g d The Uni e Sta e o Am ri a (i cl di g i stdtsfecnunt te r t r e a d po se si ns),Pue t Ri o a drioisnssorocnOraowritepubiainincldiglrtnlcto,u n Ca a and;pu l ca i n by e e t o i m a s,o m t r abitolcrncenfaeil i o r "a v rt se e t th t:n y u d e i m n "a In e na i na wa e s o a rspa e but o l if thetrtoltrric,n y Ap ro ri t s a pe so 'na e v i eppaernsm,o c ,i j ry o da a e o curs in th co rse o tra enurmgceufvl ph t gr p r i e e s;oooaholknsr o tra spo t t o be w e a y pl ce in l d drnraintennascue i Pa a r pnrgah a o e rbv;oUnresoalplceapesoinaanbyasrn fa se l gh ;rlito Al o h r pa t o th wo l if th i j ry oltersferdenur da a e a i e o t o :m g r s s u fInrngmntocoyiht"ti l "o "sl g n"f i e e f p r g ,t e r o a i y u "a v rt se e t ,pro i e tha thnordeimn"v d d t e Go ds o pro uct m d o so d by y u inordsaerlo cl i i m d o th "sui "i bro gh by aamsaeretsut th te ri o y de cri e i Pa a r pertrsbdnrgah pe so o o ga i a i n tha cla mrnrrnztotis a o ebv; o ne shi o such co y i ht "ti l "owrpfprg,t e r The a ti i i s o a pe so who e ho e i icvtefrnsmsn"sl g n .o a "th te ri o y de cri e i Pa a r pertrsbdnrgahInlds"bo i y in ur "ca se by o e o m rcuedljyudnroe a o e but i a a fo a sho t ti e o y urbv,s w y r r m n ootheofnedecribdinPaarahffesssergpbuies;rsnsoaoebv."Pe so a a d a v rt sin i j ry o fe sernlndeignu"f n s"Au o m a s:t "e n th t ta e pl ce th o g th In e ne oakaruhetrtr A l nd m t r v h cl ,tra l r o se i r i eaooeieiermtalr si i a l ct o i m a s o o m n ca i nmlreerncenfcmuito; de i n d fo tra e o pub i ro ds,i cl di gsgervlnlcanun pro i e the insure 're po sib lty to pavdddssniiyayatcheahieyoqupmn;rntadmcnrreieto da a e is de e m n d in a "sui "o th m r t imgstrietneeisn An o he la d v hcl th t is sub e t to aytrneieajc th te ri o y de cri e i Pa a r pertrsbdnrgah a o e o ibv,r n a co p l o y o fi a ci l re po si ii y la ,omusrrnnasnbltwr se t e e t we a re otlmnget. o h r m to v hi l i sura ce l w,whe e i iteorecennarts "El ct o i da a m a s in o m t o ,fa t oernct"e n f r a i n c s rlceserricialaae.i n d o p n p l y g r g d pro ra s sto e a o o ,cre te o use o ,ogmrdsrnadrdnrHoee,"a t "do s no in l d "m bi ewvruoetcueol tr n m t e to o fro co pu e so tw r (i cl d ngasitdrmmtrfaenuieuimn".q p e t sy te s a d a p i a i ns so tw r )ha d o fl p ysmnplctofae,r r o p "Bo i y i j r "m a s:d l n u y e n di ks,CD-ROM ,ta e ,dri e ,cel s,da asspsvslt pro e sin de i e o a y o h r m di whi h a ecsgvcsrnteeacrPhsiahamicldigsiknssodieseyclr,n u n c e r s a , use i h ee t o i al co t o l d e ui m n .d wt l c r n c l y n r l e q p e tsustandyapeso;oiebrnr M nt l a g i h,i j ry o i l e s,o e o i n leanusnurlnsrmtoa "Em l y e i cl de a "l a e wo k r"."Em l y epoe"n u s e s d r e p o e " di tre s,re ul i g a a y ti e fro suchssstntnmm do s n t i cl d "te po a y wo k r .e o n u e a m r r r e " ph si a h rm i k e s o di e seycla,s c n s r s a ."Ex cut v o f ce "m a s a pe so ho di g a y oeiefirenrnlnnf"Bro dca ti g m a s tra sm tt n a y a d o oasn"e n n i i g n u i r th o fi e po it o s cre te by y u cha t r,e f c r s i n a d o r r evsuaaeilfonyproeilmtraraups:co sti u i n by a s o a y o h r sim l r go e nngntto,l w r n t e i a v r i do um n .c e tByraioeeiio;odortlvsnr Pa e 17 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCIAL E ERAL IAB LITYEGNLI "Go d Sa a i a se v ce "m a s a y e e g n y tr ck ,ro db domrtnrisennmrecasaes,tu n l und r a sne,e p s or m di a se vce fo whi h no co p n a i n is cro sin ;e c l r i s r c m e s t o s g de a d d r e e v dmneorcie.Tha i d m i i s a a chi e t,e g ne r otnenfenrtcnier "Ho ti e fi e m a s a fi e whi h be o e surv y r o i j ry o a aslr"e n r c c m s e o f r n u r d m g ri in ut o :e a s g o f un o tr l a l o bre k o t fro whe e i wacnolberasumrts Pre a i g a pr v ng o fal n toprn,p o i ,r i i gitnddob.n e e t e pr pa e or ap r v ,m p ,shoerpoeasp "Im are pro e t "m a s ta g bl pro e t ,o he dra i g ,o ipidpryennieprytrwnspn o s,re o ts,survinpre s,y th n "y ur pro uct o "y ur wo k ,tha ca n t be fi l o d rs,cha gaod"r o r "t n o ed r e n e o d rs o ra i gsrerdwn use r s l ss use u e a se a d pe i i a i ns;rdoieflbcu:n s c f c t o o It i co po a e "y ur pro uct o "y ur wo knrrtsod"r o r "Gi i g di e t o s o i stru ti n ,ovnrcinrncosr th t is kn wn o th ug t to be de e t v ,fa l ng to gi e th m ifaorohfcieiive,th t is thea de i i n ,n de u te o a g ro s;o pri a y ca se o the in u y ofcetiaqardneurmrufjrr da a emg; orYuhaefaldtofulilthetemoacotrctovieflrsfna Und r whi h the i sure ,if a a chi e t,e c n d n r t coragreement; e gi e r o surv y r,a sum s l a i i y fonnereoseibltrisuchproetcaberetoetousebytefprynsrdhainuyodaaeaiinotothenjrrmgrsgufrear,re l ce e t,a j stm nt o re o a o "y urpipamnduermvlfo i sure 's re de i g o fa l r to re dendnrnriuenrproucto"y ur wo k o y u fu fi l n t e te m od"r o r "r o r l l i g h r s f pro e si n l se v ce ,in l dn ho e l stefsoariscuigtsidthcotatogreet.e n r c r a e m n i Pa a r pnrgah a o e a d sup r i o ybvnevsr, "In ure co t a t m a s:s d n r c "e n i spe t o ,a chi e tu a o e g ne ri gncinrtcrlrnien a t vti s.c i i eAcotatfoalaeopreie.Ho e e ,n r c r e s f m s s w v r th t po t o o t e co t a t fo a l a e oarinfhnrcresf "Le se wo k r"m a s a pe so l a e o y u badreenrnesdtoy a pre i e tha in e n f e a y pe so omsstdmiisnrnr l bo l a in fi m unde a a r e e t be we n y uaresgrrngemnteo o ga i a i n fo "pre i e da a e i no arnztormssmg"s t n a d the la o le si g fi m to pe f rm dut e re a enbranr,r o i s l t d "i sure o tr ct ;n d c n a "to the co d ct o y ur bu i e s."Le se wo k r"n u f o s n s a d r e do s n t i cl d "te p ra y wo k r .e o n u e a m o r r e "A i e ra k a re m n ;s d t c g e e t "Lo di g o unl a i g"m a s th ha d i g oanrodnenenlnfAneseetoliesearemntecetinyamnrcngee,x p pro e typr:co ne ti n wi h co stru ti n o de o i i nncotncormlto o e a Af e i is m v d fro th pl ce whe e i isprtrtoemearttinooihn5etoarodosnrwti0fefaria;l a ce t d fo m v m n i t o o t a a rcra tcperoeetnornonif,An o l ga i n,a re u re by o d na ce tobitosqidrin,wa e cra t r "a t ";t r f o u oidmiyamnciaiyeceticonetinnenfuiplt,x p n n c o wi h o k f r a m ni i a i ytwroucplt;Whi e i is i o o a arcra t wa e cra t oltnrnnif,t r f r "a t ";ruooAneeaoantnacearemntlvtrmiengee; Whi e i is be n m v d fro a a rcra tltigoemnif,Tha pa t o a y o he co t a t o a re m nttrfntrnrcrgee wa e cra t o "a t "to th pl ce whe e i istrfruoeartpranntoyurbusies(i cl di g aetiigonsnunn fi al ei e e ;n l y d l v r didenfiainoamniiaiyiconetonmictofucpltnncin wi h wo k pe f r e fo a m n ci ai y und rtrromdruiplt)e bu "l a i g o unl a i g do s no i cl de thetodnrodn"e t n u whi h y u a sum th to t li b l t o a o h r m v m nt ocoseeraiiyfnteoeef pro e ty by m a s oprenf a m ch n caeail pa t to pa fo "bo iy in ur ","pro e ty de i e o h r tha a haryyrdljyprvc,t e n n tr ck tha i no a ta hedu,t s t t c d da a e o "pe so a i j ry t a thi d pe somg"r r n l n u "o r r n to t e arcra t w t rcra t o "a t ".h i f ,a e f r u o o o ga i a i n To t l a ii y m a s a li b l tyrrnzto.r i b l t e n a i i "M bi e e u pm n "m a s a y o the fol wi golqietennflonthtwolbeipoebylwiteaseceoaudmsdanhbnftyeoladvhils,i cl di g a y a ta hepsfnecenunntcdaycotatrgemntnnrcoaree.m chi e y o e ui m ntanrrqpe: Pa a r prgah do s no i cl de th t pa t o a yetnuarfn Bu l o e s,fa m m chi e y fo ki ts a d o h rldzrranr,r l f n t ecotrctoaremn:n a r g e e t v hi l s de i n d fo use pri ci al o f pub iecesgernplyflc Tha i d m i i s a ral o d fo "bo iy ro d ;t n e n f e i r a r d l a s i j ry o "pro e ty da a e a i i g o t onu"r p r m g "r s n u f Ve i l s m i t i e fo use so ey o o ne t tohceanandrllnrxcostrutinodeoiinoeains,n c o r m l t o p r t o pre i e y u wn r e tmssooorn;wi hi 50 fe t o a y ral o d pro e t a dtnefnirapryn Ve i l s t a t a e n ra l r t e ds;h c e h t r v l o c w e r aafetngayralodbrigotretl,f c i n ir a d e r s e Pa e 18 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LI YEAELIT Ve i l s,whe he sel -pro e l d o no ,hc e t r f p l e r t An a t o o i si n co m t e in pro i i g ocrmsomitdvdnr m i ta n d pri a i y to pro i e m bl ty to fa l ng to pro i e fi staniemrlvdoiiiivdr a d o "Go d Sairom ri aatn pe m ne t y m u t d:r a n l o n e se v ce "to a pe so ,un e s y u a e i therisrnlsorn bu i e s o occup ti n of pro i i gsnsraovdnPoecrae,sho e s,l a e s,di g rs owrnsvlodrger pro e sio a e l h ca e se vce .f s n l h a t r r i sdril;olsr "Pe so a a d a v r i i g i j ry m a s "pe so arnlndetsnnu"e n r n lRoadconstructionorresurfacing e ui m n such a gra e s,scra e s o i j ry o "a v rt sin nqpetsdrprrnu"r d e i g i j r ".u y ro l rs;l e "Pe so a n ur ":r n l i j y Ve i l s no de crib d i Pa a r phcetsenrgah ,,M a s i j ry o he tha "a v rt sin in u y ,e n n u ,t r n d e i g j r "or a o e th t a e no sef pro el d a d a ebvartl-p l e n r ca se by o e o m r o th fo l wngudnroefeloimitiepriaiytoproiemblttoanandmrlvdoiiy o fe se :f n spemnnlataheeupetoftheraetytcdqimn fo l wi g t p s:l o n y e F l e a re t,de e t o r m ri o m n ;a s r s t n i n o i p s n e t Ai co pr sso s,pum s a d ge e a o s,r m e r p n n r t r M l ci us pr se ut o ;a i o o c i nicldngspraig,we d ng bui d ngnuiynli,l i cl a i g ge ph si a e pl ra i n,l gh i genn,o y c l x o t o i t n The wro gf l e i t o fro ,wro gf l e trnuvcinmnuny a d el se v ci g e ui m nt rnwlrinqpe;o i t ,o in a i n o the ri h o pri a enorvsofgtfvt o cup ncy o a ro m dwe l n o pre i ecafo,l i g r m s sCherypikrsadsiiadeieusetorcenmlrvcsd th t a pe so o cup e ,pro i e tha thearncisvddtraseooeokrs;i r l w r w r e wro g u v ct o ,wro g u nt y o n a i nnfleiinnflerrivsoVeilsnodecribdiPaarphcetsenrgah,,o the ri h o pri a e o cupa cy isfgtfvtcnoraoemitandpriaiyfopupoebvaniemrlrrsscomtebyoobeafotheone,m i t d r n h l f w rohrthathtraspottoopesosotenenrainfrnrlndodolesootharomdwelngoalrrsrfto,l i rcag.r o pre i e ;m s sHoee,se f pro e l d v h cl s wi h thwvrl-p l e e i e t e Ora o writ e pub i a i n incl di glrtnlcto,u nfolwigtyeopemnntyatahelonpsfraeltcd pu l ca i n by ee t o i m a s,o m t r abitolcrncenfaeileuimntaeno"m bi e e upm n "bu wilqpertolqiettl th t sl nd r o l b l a pe so oaaesriesrnrbecosiee"a t s":n d r d u o o ga i a i n o di pa a e a pe so 's ornztorsrgsrnrEqimntdeigeriaiyfr:u p e s n d p m r l o o ga i a i ns go d ,pro u ts o se vce ,r n z t o 'o s d c r r i sSnwrmvloeoa;pro i e t a the cl i i m d r he "sui "v d d h t am s a e o t t i bro g t by a pe so o o g n z ti n thasuhrnrraiaotRodmitnacebutnoaanen,t co stru ti n o r surfa i g;o cl i s to ha e be n sl nd r d o i encorecnramveaeerlbl d,oer th t cl i s to ha e ha i s go ds,pro u tsaamvdtodcStetlaig;r e c e n n o se v ce di pa a e ;orrissrgdrCherypikesansimlrdeiercrdiavcs Ora o wri te publ ca i n,in l d nlrtnitocuigmuneoatmbieotruckchasisotdnuoolrs pu l ca i n by ee tr n c m a s,o m t ri lbitolcoienfaeaadsetaseooeokrs;a dnudorirlwrwren th t:aAicoprssos,pum s a d ge e a o s,r m e r p n n r t r i cl di g spra i g we di g bui di gnunyn,l n ,l n Ap ro ri t s a pe so 'na e v i eppaernsm,o c , cl a i g ge ph si a e pl ra i n,l gh i genn,o y c l x o t o i t n ph t gr p r i e e s;oooaholknsr a d el se v ci g e ui m ntnwlrinqpe.Unre so a l pl ce a pe so in aanbyasrnHoee,"m bie e up e t do s no i cl de a ywvrolqimn"e t n u n fa se l gh .l i tlndvhclthtissubettoacopusoyoaeieajcmlrr In l d s "bo i y in ur "ca se by o e o m rcuedljyudnroefinancialresponsibilitylaw,or other motor vehicle i sura ce l w,whe e i is l ce se o pri ci al o the o f n ennartindrnplyffess de crib d in Pa a ra hsergp ga a e .Such la d v h cl s a e co sid rergdneierned a o ebv. "a t s".u o "Po l t n s"m a a y so i ,l qu d ga e u oluatennldii,s o s r "Occurr n e m a s:e c "e n th rm l irrt n o co t m n nt i cl di g sm k ,e a i a t r n a i a ,n u n o e v po ,so t,fu e ,a i s,a k l s,che i as a daromscdlaimclnAaciet,i cl di g co ti uo s o re e t dncdnnunnnurpae wa te Wa te in l d s m te i l to be re y l d,s .s c u e a r as c c eepouretosubstatalthsaegeeaxsnilyemnrl re o di i n d o r cl i e .c n t o e r e a m dhamulcodiin;rrfntoso Pa e 19 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCIAL E ERAL IAB LITYEGNLI "Pre i e da a e m a s:co tr ct ca l fo wo k a m re th nmssmg"e n n a l s r r t o a o e j b i enost.Wit re pe t to th fi st pa a ra h o thehscerrgpf e ce ti n in Ex l sioxposcun o Se ti nfco Whe tha pa t o the wo k do e a antrfrnt Co e a evrg Bo i y In ur And Pro e tdljypry j b si e ha be n put to it i t nd dotsesnee Da a e Li blty "pro e ty da a e to a ymgaii,p r m g "n use b ny p r o o rg n z t o th ryaesnroaiainoe pre i e whie re t d to y u fo a pe i d omsslneorrof th n an th r co tr ct r oraoenao se e o fe e co se ut v da s,in l dng thevnrwrncieycui subco t a t r wo k n o th sa enrcorignem co te ts o uch re i e ;rnnfspmsso pro e tjc. Wit re pe t to th e ce t o to Ex l si nshscexpincuo Wo k tha m y ne d se v ce m i t na certaeri,an e n ,th o gruh i he l st a a ra h o a a r pntaprgpfPrgah co r ct o ,re a r o re l ce e t,bu w i hreinpirpamnthcoSetinfcoCoeaevrgBoiyInjryAnddluiohrwiecoplt,wi l be tre t d astesmeelaesProetyDaaeLaiiy"pro e ty d m ge toprmgiblt,p r a a "co pe e .m l t daypreiewhieretdtyufoapeidonmsslneoorrofDosnoinl d "bo i y in u y o "pro e tyetcuedljr"r p rmrethnseecoseutvdas,o whi eoavnncieyrl da a e a i i g o t o :m g "r s n u ftepraiyocupebyyuwihpemssioomorlcidotrinf th o n r,ca se yeweudb:The tr n po t ti n o pro e t ,unl ss theasraofprye i j ry o da a e a i e o t o co d t o nnurmgrssufaniiniFrei;o on a v hcl no o n d o o e a e byreietwerprtdExlsin;p o o y u,a d tha co di i n wa cre t d by theontntosae "o h t e i l b nyftavhceyaLightning;l a i g o unl a i g"o d n r o d n i sure ;n dSmkreuligfrofieeplsioooestnmr,x o n r l g t i g rihnn;o The e i te ce o to l ,uni sta l dxsnfosnle e ui m nt o ab nd n d o unuseqperaoerdWae.t r m te i l ;rarasoBu"pre i e da a e un e thi Pa a r ptmssmg"d r s r g a h Pro uct o o e a i n fo whi h thdsrprtosrcedosnoinld"pro e ty da a e to a yetcueprmg"n cl ssi i a i n,li te i th De l ra i ns oafctosdnecatorpreiecaseb:ms s u d y i a po i y Sche ue sta e th t pro uct -n l c d l ,t s a d sRupuebustigooeainopresuretr,r n ,r p r t o f s co pe e o e a i n a e subj ct to themltdprtosrereifeie;l e d v c s Ge e a g re a e Li i .n r l A g g t m t Rup u e o bu sti g due to e p nsio otrrrnxanr "Pro e ty d m ge m a s:p r a a "e nswelnothcotnsoaybuidnoligfenetfnligrPhsiainuytotagi l pro e t ,in l d ng alycljrnbeprycuilstrutuecasebreuligrmwtr;c r u d y o r s t n f o a e re ul i g l ss o use o th t pro e t .Al suchstnoffaprylorlssousewilbedemdtoocurttetmfofleecahieo Ex l si n o ste m bo l r ,ste m pi e ,p o o f a i e s a p s th p y i a n u y t a ca se t rehsclijrhtudi;o ste m e gi e o te m t r i e .a n n s r s a u b n s Lo s o use o ta gi l pro e ty tha i nosffnbeprtst ph si al in ur d Al such l ss o use wi l beyclyje.l o f l"Products-completed operations hazard": de m d to o cur a the ti e o th "o curre ceeectmfecn"In l d s a l "bo i y in ur "a d "pro e tycueldljynpr th t a se tacudi.da a e o cur i g a a fro pre i e y umg"c r n w y m m s s o F r the purp se o th s in ura ce "ee t o i da aoosfisn,l c r n c t "o n o re t a d a i in o t o "y ur pro uct owrnnrsgufod"r i n t a g bl ro e t .s o t n i e p p r y"y ur o k e ce t:o w r "x p "Sl g n :o a "Pro uct th t a e sti l in y ur phy icadsarlosl M a s a phr se th t o h r u e fo he pu p seenaatessrtropossession;or o t ra ti g a t n i n n t er d e t sin .f a t c n t e t o i h i a v r i gWokthahanoytbencopeeortsteemltdr Do s no in l d a phra e use a ,o in theetcuesdsr,a a d n d.Ho e e ,"y ur wo k wil bebnoewvror"l na e o :m fdemdcopltdatherletotheeemeeteaisf fol wi g i e :l o n t m s An pe so o o g n z t o ,o he th n y u;y r n r r a i a i n t r a o orWhealothwokcaldfoiyunlferlernor co tr ct ha b e o pe e .n a s e n c m l t d An busin ss,o a y o th pre i e ,y e r n f e ms s go ds,pro uct ,se v ce o wo k o a yodsrisrr,f nWhealothwoktobedoeathenlferntpesorraiaintehao.r n o o g n z t o ,o h r t n y ujbsithabencopltdiyuoesemeefor Pa e 20 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A COMM RCI L G NERAL IAB LI YEAELIT "Su t m a s a civl pro e dn i whi h da a ei"e n i c e i g n c m g s Y uo; be a se o "bo iy in u y ,"pro e ty da a e ocufdljr"p r m g "r Ot e s t a i g nd r y u a e rhrrdnueornm;o"pe so a a d a v rt si g i j ry to whi h thirnlndeinnu"c s A pe so o or a i a i n who ernrgnztosisuraceapleaealge."Su t i cl de :n n p i s r le d i "n u s bu i e s o a se s y u ha e a qu re ;s n s r s t o v c i d An a b t a i n pro e di g i whi h suchrirtocennc a dn da a e a e cla m d a d to whi h th in uremgsriencesd Co t i e s (o he tha v hi l s),m t ri l ,n an r t r n e c e a e a smstsubmtodossubiwihorcosetuiremttunn;pa t o e upm n furn she i co ne ti nrsrqietidnncoorwihuchgosorouct.t s o d r p d s An o he al e n ti e di put re out oytrtravseslin In l d s:c u eprcediginwhihsuchdmgeaeclieoencaasramdWa ra ti s o re re e ta i ns m de a a yrnerpsntoatnadtowhihthinuresubmtswitorncesdihutiewihrepettothefinss,quai ymtsctelt,co se t.n n du a i i y pe fo m n e o use o "y urrblt,r r a c r f o"Te p ra y wo k r m a s a pe so who imorre"e n r n s pro uct ;ndd"afunihetoyutosubstiutfoapemnetrsdoterranTheproi i g o o fal re to pro i evdnfriuvd"e pl y e o l a e o to m e se so a o sho tmoe"n e v r e t a n l r r -wa ni g o n tr ct o s.r n s r i s u i ntemwrlaodiin.r o ko d c n t o s Do s no i cl de v nd ng m ch ne o o h retnueiaisrte"Ti l "m a s a na e o l t r r r a t sti o kteenmfaieayoricwr.pro e ty re t d to o l ca e fo the use oprnerotdrf"Unso i i e co m n ca i n m a s a ylctdmuito"e n n o h r b t no sodtesutl.co m n ca i n in a y fo m tha th re i i nt omuito,n r ,t e c p e f "Y u o k :o r w r "such co m n ca i n di no spe i i a l re ue t tomuitodtcfclyqs M a s:e nreev.c i e Wo k o o e a i n pe f rm d by y u o orrprtosroeorn"Vo u t e wo k r m a s a pe so who i no y ulnerre"e n r n s t o r y ur e a f;a dobhln"e pl y e ,a d who do a e hi o he wo k a dmoe"n n t s s r r r n a t a th di e ti n o a d wi hi the sco e ocstercofntnpf M te i l ,pa t o e upm n furn she inarasrsrqietidduisdeemndbyyuadisnopadafe,t e t r i e o ,n t i e co ne ti n wi h uch w r o pe a i n .n c o t s o k r o r t o s sa a y o o he co pe sa i n by y u o a y n e selrrtrmntoornoel In l d s:c u efoherokpromdfro.r t i w r e f r e o y u Wa ra ti s o re re e ta i ns m de a a yrnerpsntoatn"Y u ro uct :o r p d "ti e wi h re pe t to the fi n ss,quai ymtsctelt,M a s:e n du a i i y pe fo m n e o use o "y urrblt,r r a c r f o An go d o pro uct ,o h r th n re l wo k ;a dyosrdsteaar"n pro e ty m n f ct r d so d ha d e ,p r ,a u a u e ,l ,n l d The pro i i g o o fal re to pro i evdnfriuvdditrbuerdspoefysitdoisdob:wa ni g o n tr ct o s.r n s r i s u i n Pa e 21 o 21gf DocuSign Envelope ID: 8ADB113F-2BED-4400-B979-B62F521EAE7A