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HomeMy WebLinkAboutCOI-Occu-Med rec 1.28.25-Commercial exp 3.2.26.pdf DRJANAP-01 DHARANIREDDY ,d►coRo CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDD/YYYY) 1/27/2025 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. 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). PRODUCER License#OE02096 CONTACT Curtis Earheart NAME: DiBuduo&DeFendis Insurance Brokers,LLC PHONE FAX 6873 N.West Ave,Ste 101 (A/C,No,Ext): (A/C,No): Fresno,CA 93711 ADDRESS:curtis.earheart@dibu.com INSURERS AFFORDING COVERAGE NAIC# INSURER A:Hanover American Insurance Company 36064 INSURED INSURER B: Dr.Jana Price-Sharps 5730 N First St INSURER C Ste 105-503 INSURER D: Fresno,CA 93710 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY 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. INSR TYPE OF INSURANCE ADDL SUBR POLICY NUMBER POLICY EFF POLICY EXP LIMITS LTR INSD WVD MM DD YYYY MM DD YYYY A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2,000,000 CLAIMS-MADE X OCCUR Z2FJ64491501 3/2/2025 3/2/2026 DAMAGE TO RENTED 1,000,000 X PREMISES Ea occurrence $ MED EXP(Any oneperson) $ 5,000 PERSONAL&ADV INJURY $ 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 4,000,000 X POLICY El PECOT- LOC PRODUCTS-COMP/OPAGG $ Included OTHER: $ AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident $ ANY AUTO BODILY INJURY Perperson) $ OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY Per accident $ HIRED L $ NON-OWNED PROPERTY DAMAGE AUTOS ONLY AUTOS ONLY Per accident $ UMBRELLA LIAB OCCUR EACH OCCURRENCE $ EXCESS LIAB CLAIMS-MADE AGGREGATE $ DED RETENTION$ $ WORKERS COMPENSATION PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTE ER ANY PROPRIETOR/PARTNER/EXECUTIVE ❑ E.L.EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? N/A (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ A Employment Practice Z2FJ64491501 3/2/2025 3/2/2026 Aggregate Limit 25,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more s ace is required IF ANY FORMS ARE REFERENCED BELOW OR ATTACHED TO AND PART OF THIS CERTIFICATE,THY WILL AP LY AS REQUIRED PER WRITTEN CONTRACT OR WRITTEN AGREEMENT BETWEEN THE LISTED PARTIES AND THE INSURED AND ARE SUBJECT TO THE POLICY PROVISIONS.IN THE ABSENCE OF SUCH WRITTEN CONTRACT OR WRITTEN AGREEMENT,THE REFERENCED OR ATTACHED FORMS MAY NOT BE APPLICABLE. Certificate holder is named as additional insured as respects to the General Liability per form issued by the carrier 822-0001 08 19. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Count of Fresno Department of Human Resources THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Y p ACCORDANCE WITH THE POLICY PROVISIONS. Attn:Lucy Garcia 2220 Tulare Street 14th Floor AUTHORIZED REPRESENTATIVE Fresno,CA 93721 /t ZO5 ACORD 25(2016/03) /� ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD Z2F J644915 01 5701031 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SMALL COMMERCIAL LIABILITY COMPANION ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SUMMARY OF COVERAGES Page SECTION I—ADDITIONAL INSURED PROVISIONS 2 A. Automatic Additional Insured Provisions Including Primary and Non-contributory 2 4. Additional Insureds 2 a. Broad Form Vendors 3 b. Co-owner of Insured Premises 3 c. Controlling Interest 3 d. Mortgagee, Assignee, or Receiver 4 e. Grantor of Franchise 4 f. Lessor of Leased Equipment 4 g. Manager or Lessor of Premises 4 B. Additional Insured by Contract, Agreement or Permit With Completed Operations and 4 Primary and Non-contributory SECTION II—COVERAGE EXTENSIONS 5 A. Supplementary Payments Extension 5 B. Alienated Premises 5 C. Broad Form Property Damage Legal Liability 6 D. Broad Form Property Damage— Borrowed Equipment, Customers' Goods, Use of 6 Elevators E. Incidental Malpractice— Employed Nurses, EMT's and Paramedics 6 F. Personal and Advertising Injury— Broad Form 6 G. Product Recall Expense Product Recall Expense Each Occurrence Limit$25,000 6 Product Recall Expense Aggregate Limit $50,000 Product Recall Deductible $500 H. Who is an Insured Amended "Employees" Redefined 8 Subsidiaries Newly Acquired or Formed Organizations—180 Days I. Limits of Insurance Amended: Aggregate Limits of Insurance Per Location 9 Products-Completed Operations Aggregate—Twice the Each Occurrence Limit J. Blanket Waiver of Subrogation 9 K. Unintentional Failure to Disclose Hazards 9 L. Unintentional Failure to Notify/Knowledge of an Occurrence 9 M. Medical Expenses—Three Years to Report 9 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc.,with its permission. Page 1 of 14 Copyright 2019 The Hanover Insurance Company.All Rights Reserved. Insured Copy Z2F J644915 01 5701031 SECTION III—ADDITIONAL CONDITIONS 9 A. Liberalization 9 B. Concealment, Misrepresentation or Fraud 10 C. Insurance Under Two or More Coverages 10 SECTION IV—EXCLUSIONS 10 A. Coverage A— Bodily Injury and Property Damage Liability and Coverage B— Personal and 10 Advertising Injury Exclusions Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability 10 Aircraft Products, Grounding and Testing 10 Professional Services 11 Unmanned Aircraft 11 B. Coverage A— Bodily Injury and Property Damage and Coverage C—Medical Payments 12 Exclusions Nuclear Energy Liability 12 C. Amended Exclusion With Coverage Extension 13 Aircraft (Other Than Unmanned Aircraft), Auto or Watercraft 13 SECTION V—AMENDED DEFINITIONS 13 "Bodily Injury" 14 "Products—Completed Operations Hazard" 14 "Property Damage" 14 SECTION I—ADDITIONAL INSURED PROVISIONS e. Does not apply if the "bodily injury", A. Automatic Additional Insured Provisions "property damage" or "personal and Including Primary and Non-contributory: advertising injury" is otherwise excluded from coverage under this Coverage Part, 1. SECTION II — WHO IS AN INSURED is including any endorsements thereto. amended to include as an insured any person or organization described in paragraphs 4.a f. Does not apply to any person or through 4.g. below, whom you agree to add as organization included as an insured by an Additional Insured. another endorsement issued by us and 2. However, the insurance afforded to such made part of this Coverage Part. Additional Insured described below: 3. The most we will pay on behalf of the Additional Insured for a covered claim is the lesser of the a. Only applies to the extent permitted by law. amount of insurance: b. Will not be broader than the insurance a. Required by the applicable written contract, which you are required by the written agreement or permit, if any; or contract, agreement or permit, if any, to provide for such additional insured. b. Available under the applicable Limits of Insurance shown in the Declarations or any c. Applies on a primary basis and we will not endorsement to the policy. seek contribution from any other insurance available to the Additional Insured, if that is 4. Additional Insureds required by an applicable written contract, The following persons or organizations qualify agreement or permit. as additional insureds under this endorsement: d. Will not be broader than coverage provided to any other insured. 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc.,with its permission. Page 2 of 14 Copyright 2019 The Hanover Insurance Company.All Rights Reserved. Insured Copy Z2F J644915 01 5701031 The following is added to SECTION II — WHO container, part or ingredient of any IS AN INSURED: other thing or substance by or for a. Broad Form Vendors the vendor; (1) Any person or organization that is a (h) "Bodily injury" or "property vendor with whom you agreed in a damage" arising out of the sole written contract or agreement to negligence of the vendor for its include as an additional insured under own acts or omissions or those of this Coverage Part is an insured, but its employees or anyone else only with respect to liability for "bodily acting on its behalf. However, this injury"or"property damage"arising out exclusion does not apply to: of"your products"which are distributed (1) The exceptions contained or sold in the regular course of the within the exclusion in vendor's business. paragraphs (d) or(f) above; or (2) With respect to insurance afforded to (ii) Such inspections, such vendors, the following additional adjustments, tests or servicing exclusions apply: as the vendor has agreed to The insurance afforded to the vendor make or normally undertakes does not apply to: to make in the usual course of business, in connection with (a) "Bodily injury" or "property the distribution or sale of the damage" for which the vendor is products. obligated to pay damages by reasons of the assumption of (i) "Bodily injury" or "property liability in a contract or agreement. damage" arising out of an This exclusion does not apply to "occurrence"that took place before liability for damages that the you have signed the contract or insured would have in the absence agreement with the vendor. of the contract or agreement; (j) Any insured person or (b) Any express warranty organization, from whom you have unauthorized by you; acquired such products, or any ingredient, part or container, (c) Any physical or chemical change in entering into, accompanying or the product made intentionally by containing such products. the vendor; b. Co-owner of Insured Premises (d) Repackaging, unless unpacked solely for the purpose of Any person or organization who is a co- inspection, demonstration, testing, owner of premises described in the or the substitution of parts under declarations. Such person(s) or instruction from the manufacturer, organization(s) is an insured only with and then repackaged in the original respect to their liability as co-owner of the co-owned premises. container; (e) Any failure to make such c. Controlling Interest inspection, adjustments, tests or Any person or organization that has a servicing as the vendor has agreed majority controlling interest in you, but only to make or normally undertakes to with respect to their liability arising out of: make in the usual course of (1) Their financial control of you; or business in connection with the sale of the product; (2) Premises they own, maintain or control (f) Demonstration, installation, while you lease or occupy these premises. servicing or repair operations, except such operations performed This insurance does not apply to structural at the vendor's premises in alterations, new construction and connection with the sale of the demolition operations performed by or for product; such additional insured. (g) Products which, after distribution d. Mortgagee, Assignee, or Receiver or sale by you, have been labeled Any mortgagee, assignee or receiver, but or relabeled or used as a only with respect to their liability as 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc.,with its permission. Page 3 of 14 Copyright 2019 The Hanover Insurance Company.All Rights Reserved. Insured Copy Z2F J644915 01 5701031 mortgagee, assignee, or receiver and the acts or omissions of those acting on your arising out of the ownership, maintenance behalf, but only with respect to: or use of a premises by you. a. Premises you own, rent, lease or occupy; This insurance does not apply to structural b. Your ongoing operations for the additional alterations, new construction or demolition insured(s) designated in the written operations performed by or for such contract, agreement or permit; additional insured. e. Grantor of Franchise c. "Your work" included in the "products- completed operations hazard", but only if: Any person or organization who is a grantor (1) The written contract, agreement or of a franchise to you, but only with respect permit requires you to provide such to their liability as grantor of a franchise to coverage to the additional insured; and you. (2) This Coverage Part provides coverage f. Lessor of Leased Equipment for"bodily injury" or"property damage" Any person or organization from whom you included within the "products- lease equipment is also an additional completed operations hazard". insured, but only with respect to liability for 2. The insurance afforded to such additional "bodily injury", "property damage" or insured described above: "personal and advertising injury"caused, in whole or in part, by your maintenance, a. Only applies to the extent permitted by law. operation or use of equipment leased to b. Will not be broader than the insurance you by such person or organization. which you are required by the written However, the insurance afforded to such contract, agreement or permit to provide for additional insured does not apply to any such additional insured. "occurrence" that takes place after the c. Applies on a primary basis and we will not equipment lease expires. seek contribution from any other insurance g. Manager or Lessor of Premises available to the Additional Insured, if that is Any person or organization from whom you required by the written contract, agreement or permit. lease premises is also an additional insured, but only with respect to liability d. Does not apply if the "bodily injury", arising out of the ownership, maintenance "property damage", or "personal and or use of that part of the premises leased to advertising injury" arises out of sole you. negligence of the additional insured. However, this provision does not apply to: e. Will not be broader than coverage provided (1) Any"occurrence"that takes place after to any other insured. you cease to be a tenant in the f. Does not apply if the "bodily injury", premises. "property damage" or "personal and (2) Structural alterations, new construction advertising injury" is otherwise excluded from coverage under this Coverage Part, or demolition operations performed by or for such additional insured(s). including any endorsements thereto. B. Additional Insured by Contract, Agreement or g- Does not apply unless the written contract or agreement was executed or permit was Permit With Completed Operations and Primary issued prior to the "bodily injury", "property and Non-contributory damage", or "personal and advertising 1. Any person or organization who does not injury". qualify as an Additional Insured in A. h. Does not apply to any person or Automatic Additional Insured Provisions organization included as an insured by Including Primary and Non-contributory, 4. another endorsement issued by us and Additional Insureds, paragraphs a.through g. made part of this Coverage Part. above with whom you agreed in a written contract, agreement or permit to add as an I. Does not apply to any lessor of equipment additional insured on your policy is an after the equipment lease expires. additional insured only with respect to liability j. Does not apply to any: for "bodily injury", "property damage", or (1) Owners or other interests from whom "personal and advertising injury" caused, in land has been leased if the whole or in part, by your acts or omissions, or "occurrence"takes place or the offense 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc.,with its permission. Page 4 of 14 Copyright 2019 The Hanover Insurance Company.All Rights Reserved. Insured Copy Z2F J644915 01 5701031 is committed after the lease for the land b. Up to $2500 for cost of bail bonds required expires; or because of accidents or traffic law (2) Managers or lessors of premises if: violations arising out of the use of any vehicle to which Bodily Injury Liability (a) The "occurrence" takes place or Coverage applies. We do not have to the offense is committed after you furnish these bonds. cease to be a tenant in that premises; or c. The cost of bonds to release attachments, but only for bond amounts within our Limit (b) The bodily injury", property of Insurance. We do not have to furnish damage", "personal and these bonds. advertising injury" arises out of structural alterations, new con- d. All reasonable expenses incurred by the struction or demolition operations insured at our request to assist us in the performed by or on behalf of the investigation or defense of the claim or manager or lessor. "suit", including actual loss of earnings up to $500 a day because of time off from k. Does not apply to "bodily injury", "property work. damage" or "personal and advertising injury"arising out of the rendering of or the e. All court costs taxed against the insured in failure to render any professional services. the"suit". However,these payments do not include attorneys' fees or attorneys' This exclusion applies even if the claims expenses taxed against the insured. against any insured allege negligence or other wrongdoing in the supervision, hiring, f. Prejudgment interest awarded against the employment,training or monitoring of others by insured on that part of the judgment we that insured, if the "occurrence" which caused pay. If we make an offer to pay the Limit of the "bodily injury" or "property damage" or the Insurance,we will not pay any prejudgment offense which caused the "personal and interest based on that period of time after advertising injury" involved the rendering of or the offer. failure to render any professional services by or g. All interest on the full amount of any for you. judgment that accrues after entry of the 3. With respect to the insurance afforded to these judgment and before we have paid, offered additional insureds, the following is added to to pay, or deposited in court the part of the SECTION III—LIMITS OF INSURANCE: judgment that is within our Limit of Insurance. The most we will pay on behalf of the additional insured for a covered claim is the lesser of the These payments will not reduce the Limits of amount of insurance: Insurance. 1. Required by the written contract, B. Alienated Premises agreement or permit described in B. SECTION I — COVERAGES, COVERAGE A — Additional Insured by Contract, BODILY INJURY AND PROPERTY DAMAGE Agreement or Permit With Completed LIABILITY,2.Exclusions,j.Damage to Property, Operations and Primary and Non- paragraph (2) is replaced by the following: contributory, paragraph 1. or (2) Premises you sell, give away or abandon, if the 2. Available under the applicable Limits of "property damage" arises out of any part of Insurance shown in the Declarations or any those premises and occurred from hazards that endorsement to this policy. were known by you, or should have reasonably This provision shall not increase the applicable been known by you, at the time the property Limits of Insurance shown in the Declarations. was transferred or abandoned. SECTION II—COVERAGE EXTENSIONS A. Supplementary Payments Extension C. Broad Form—Property Damage Legal Liability SECTION I — COVERAGES, SUPPLEMENTARY The following is added to SECTION III - LIMITS OF PAYMENTS—COVERAGES A AND B, paragraph INSURANCE, Paragraph 6. 1. is replaced by the following: The Damages to Premises Rented to You Limit 1. We will pay, with respect to any claim we shown on the Declarations will apply to a claim investigate or settle, or any "suit" against an because of "property damage" to any one insured we defend: premises, while rented to you, or in the case of a. All expenses we incur. damage by fire, while rented to you or temporarily 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc.,with its permission. Page 5 of 14 Copyright 2019 The Hanover Insurance Company.All Rights Reserved. Insured Copy Z2F J644915 01 5701031 occupied by you with permission of the owner. If the F. Personal and Advertising Injury— Broad Form General Aggregate Limit shown on the Declarations 1. SECTION I — COVERAGES, COVERAGE B — is less than $1,000,000, for the purpose of the PERSONAL AND ADVERTISING INJURY Damages To Premises Rented to You coverage LIABILITY, 2. Exclusions, e. Contractual only, the General Aggregate Limit will be equal to Liability is deleted. the Damage to Premises Rented to You Limit shown on the Declarations. The Damage to 2. SECTION V — DEFINITIONS, 14. "Personal Premises Rented to You Limit does not and should and advertising injury", paragraph b. is not be construed to increase the General replaced by the following: Aggregate Limit except as provided in the limited b. Malicious prosecution or abuse of process. circumstance described in this paragraph. 3. The following is added to SECTION V — D. Broad Form Property Damage — Borrowed DEFINITIONS, 14. "Personal and advertising Equipment, Customers' Goods, Use of injury": Elevators "Discrimination" (unless insurance thereof is 1. The following is added to SECTION I — prohibited by law) that results in injury to the COVERAGES, COVERAGE A — BODILY feelings or reputation of a natural person, but INJURY AND PROPERTY DAMAGE only if such "discrimination" is: LIABILITY, 2. Exclusions, j. Damage to (1) Not done intentionally by or at the direction Property: of: Paragraph (4) does not apply to "property (a) The insured; damage" to borrowed equipment while at a jobsite and not being used to perform (b) Any officer of the corporation, director, operations. stockholder, partner or member of the Paragraphs (3), (4) and (6) do not apply to insured; and "property damage"to "customers' goods"while (2) Not directly or indirectly related to an on your premises. "employee", nor to the employment, Paragraphs (3), (4) and (6) do not apply to the prospective employment or termination of use of elevators. any person or persons by an insured. 2. For the purposes of this endorsement, the 4. For purposes of this endorsement,the following following definition is added to SECTION V — definition is added to SECTION V — DEFINITIONS: DEFINITIONS: 1. "Discrimination" means the unlawful 1. "Customers' goods" means property of treatment of individuals based upon race, your customer(s) on your premises for the color,ethnic origin,gender, religion, age,or purpose of being: sexual preference. "Discrimination" does a. Worked on; or not include the unlawful treatment of b. Used in your manufacturing process. individuals based upon developmental, 3. The insurance afforded under this provision is physical, cognitive, mental, sensory or emotional impairment or any combination excess over any other valid and collectible of these. property insurance (including deductible) available to the insured whether primary, 5. This coverage does not apply if liability excess, contingent or on any other basis. coverage for"personal and advertising injury"is E. Incidental Malpractice — Employed Nurses, excluded either by the provisions of the EMT's and Paramedics Coverage Form or any endorsement thereto. With respect to the COMMERCIAL GENERAL G. Product Recall Expense LIABILITY COVERAGE form, SECTION II—WHO 1. SECTION I — COVERAGES, COVERAGE A— IS AN INSURED, paragraph 2.a.(1)(d) and with BODILY INJURY AND PROPERTY DAMAGE respect to the SMALL COMMERCIAL LIABILITY LIABILITY, 2. Exclusions, n. Recall of COMPANION endorsement, SECTION IV — Products, Work or Impaired Property is EXCLUSIONS, A. Professional Services do not replaced by the following: apply to a nurse, emergency medical technician or n. Recall of Products, Work or Impaired paramedic employed by you if you are not engaged Property in the business or occupation of providing medical, Damages claimed for any loss, cost or paramedical, surgical, dental, x-ray or nursing expense incurred by you or others for the services. loss of use, withdrawal, recall, inspection, 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc.,with its permission. Page 6 of 14 Copyright 2019 The Hanover Insurance Company.All Rights Reserved. Insured Copy Z2F J644915 01 5701031 repair, replacement, adjustment, removal (1) Insureds; or disposal of: (2) "Covered Recalls" initiated; or (1) "Your product"; (3) Number of "your products" withdrawn (2) "Your work"; or or recalled. (3) "Impaired property"; b. The Product Recall Expense Aggregate if such product, work or property is Limit is the most we will reimburse you for withdrawn or recalled from the market or the sum of all "product recall expenses" from use by any person or organization incurred for all "covered recalls" initiated because of a known or suspected defect, during the policy period. deficiency, inadequacy or dangerous c. The Product Recall Each Occurrence Limit condition in it, but this exclusion does not is the most we will pay in connection with apply to "product recall expenses"that you any one defect or deficiency. incur for the "covered recall" of "your d. All "product recall expenses" in connection product"if the"covered recall"was initiated with substantially the same general harmful during the policy period. condition will be deemed to arise out of the However, the exception to the exclusion same defect or deficiency and considered does not apply to"product recall expenses" one "occurrence". resulting from: e. Any amount reimbursed for "product recall (4) Failure of any products to accomplish expenses" in connection with any one their intended purpose; "occurrence"will reduce the amount of the (5) Breach of warranties of fitness, quality, Product Recall Expense Aggregate Limit durability or performance; available for reimbursement of "product recall expenses" in connection with any (6) Loss of customer approval, or any cost other defect or deficiency. incurred to regain customer approval; f. If the Product Recall Expense Aggregate (7) Redistribution or replacement of "your Limit has been reduced by reimbursement product" which has been recalled by of "product recall expenses" to an amount like products or substitutes; that is less than the Product Recall (8) Caprice or whim of the insured; Expense Each Occurrence Limit, the (9) A condition likely to cause loss of which remaining Aggregate Limit is the most that any insured knew or had reason to will be available for reimbursement of know at the inception of this insurance; "product recall expenses" in connection with any other defect or deficiency. (10)Asbestos, including loss, damage or clean up resulting from asbestos or 9• Product Recall Deductible asbestos containing materials; or We will only pay for the amount of"product (11)Recall of "your products" that have no recall expenses"which are in excess of the known or suspected defect solely $500 Product Recall Deductible. The because a known or suspected defect Product Recall Deductible applies in another of "your products" has been separately to each "covered recall". The found. limits of insurance will not be reduced by the amount of this deductible. 2. The following is added to SECTION II — WHO IS AN INSURED, paragraph 3.b.: We may, or will if required by law, pay all or any part of any deductible amount, if "Product recall expense" arising out of any applicable. Upon notice of our payment of withdrawal or recall that occurred before you a deductible amount, you shall promptly acquired or formed the organization. reimburse us for the part of the deductible 3. The following is added to SECTION III — amount we paid. LIMITS OF INSURANCE: The Product Recall Expense Limits of Product Recall Expense Limits of Insurance Insurance apply separately to each a. The Limits of Insurance shown in the consecutive annual period and to any SUMMARY OF COVERAGES of this remaining period of less than 12 months, endorsement and the rules stated below fix starting with the beginning of the policy period the most that we will pay under this Product shown in the Declarations, unless the policy Recall Expense coverage regardless of the period is extended after issuance for an number of: additional period of less than 12 months. In that 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc.,with its permission. Page 7 of 14 Copyright 2019 The Hanover Insurance Company.All Rights Reserved. Insured Copy Z21F J644915 01 5701031 case, the additional period will be deemed part (6) Expenses to rent additional of the last preceding period for the purposes of warehouse or storage space; determining the Limits of Insurance. (7) Disposal of"your product", but only 4. The following is added to SECTION IV — to the extent that specific methods COMMERCIAL GENERAL LIABILITY of destruction other than those CONDITIONS, 2. Duties in the Event of employed for trash discarding or Occurrence, Offense, Claim or Suit: disposal are required to avoid You must see to it that the following are done in "bodily injury" or "property the event of an actual or anticipated "covered damage" as a result of such recall" that may result in "product recall disposal, expense": you incur exclusively for the purpose of (1) Give us prompt notice of any discovery or recalling "your product"; and notification that "your product" must be b. Your lost profit resulting from such withdrawn or recalled. Include a description "covered recall". of "your product" and the reason for the 6. This Product Recall Expense Coverage does withdrawal or recall; not apply: (2) Cease any further release, shipment, a. If the "products — completed operations consignment or any other method of hazard" is excluded from coverage under distribution of like or similar products until it this Coverage Part including any has been determined that all such products endorsement thereto; or are free from defects that could be a cause of loss under this insurance. b. To "product recall expense" arising out of 5. For the purpose of this endorsement, the any of "your products" that are otherwise following definitions are added to SECTION V excluded from coverage under this — DEFINITIONS: Coverage Part including endorsements. H. Who is an Insured Amended 1. "Covered recall" means a recall or withdrawal made necessary because you 1. SECTION II — WHO IS AN INSURED, or a government body has determined that paragraph 2.a.(1)(d) is replaced by the a known or suspected defect, deficiency, following: inadequacy, or dangerous condition in (d) Arising out of his or her providing or failing "your product"has resulted or is reasonably to provide professional services. expected to result in "bodily injury" or 2. Insured Employee Extension "property damage". 2. "Product recall expense(s)" means: The following is added to SECTION II — WHO IS AN INSURED, paragraph 2.a.(1)(a): a. Necessary and reasonable expenses With respect to "bodily injury" only, the for: limitations above do not apply to your (1) Communications, including radio "employees" as insureds with respect to or television announcements or damages caused by cardiopulmonary printed advertisements including resuscitation or first aid services administered stationary, envelopes and by such an "employee". postage; 3. Who is an Insured—Subsidiaries (2) Shipping the recalled products The following is added to SECTION II — WHO from any purchaser, distributor or IS AN INSURED: user to the place or places designated by you; Subsidiaries (3) Remuneration paid to your regular Any of your subsidiaries, other than a "employees" for necessary partnership or joint venture, that is not shown overtime; as a Named Insured in the Declarations is a (4) Hiring additional persons, other Named Insured if: than your regular"employees"; a. You maintain an ownership interest of more (5) Expenses incurred by"employees" than 50%in such subsidiary on the first day including transportation and of the policy period; and accommodations; b. Such subsidiary is not an insured under similar other insurance. 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc.,with its permission. Page 8 of 14 Copyright 2019 The Hanover Insurance Company.All Rights Reserved. Insured Copy Z2F J644915 01 5701031 No such subsidiary is an insured for "bodily existing as of the inception date of the policy injury" or "property damage" that occurred, or provided such failure is not intentional. "personal and advertising injury" caused by an L. Unintentional Failure to Notify/Knowledge of an offense committed: Occurrence c. Before you maintained an ownership The following is added to SECTION IV — interest or more than 50% in such COMMERCIAL GENERAL LIABILITY subsidiary; or CONDITIONS, 2. Duties in the Event of d. After the date, if any, during the policy Occurrence, Offense, Claim or Suit, paragraph period that you no longer maintain an a.: ownership interest of more than 50% in Your rights afforded under this Coverage Part shall such subsidiary. not be prejudiced if you fail to give us notice of an 4. Newly Acquired or Formed Organizations — "occurrence", offense, claim or "suit", solely due to 180 Days your reasonable and documented belief that the SECTION II — WHO IS AN INSURED, "bodily injury", "property damage" or "personal and paragraph 3.a. is replaced by the following: advertising injury" is not covered under this a. Coverage under this provision is afforded Coverage Part. only until the 180t" day after you acquire or Knowledge of an "occurrence" or offense by an form the organization or the end of the agent or "employee" of the insured will not policy period, whichever is earlier. constitute knowledge by the insured, unless an "executive officer"of the insured knows about such I. Limits of Insurance Amended "occurrence" or offense. Failure of an agent or General Aggregate Limits of Insurance Per "employee"of the insured, other than an "executive Location officer" of the insured, to notify us of an The following is added to SECTION III—LIMITS OF "occurrence" or offense that such person knows INSURANCE: about will not affect the insurance afforded to you. The General Aggregate Limits of Insurance apply M. Medical Payments—Three Years to Report separately to each of your "locations" owned by or SECTION I — COVERAGES, COVERAGE C — rented to you. "Location" means premises involving MEDICAL PAYMENTS, 1. Insuring Agreement, the same or connecting lots, or premises whose paragraph a.(3)(b) is replaced by the following: connection is interrupted only by a street, roadway, (b) The expenses are incurred and reported to us waterway or right-of-way of a railroad. within three years of the date of the accident; J. Blanket Waiver of Subrogation and The following is added to SECTION IV — SECTION III—ADDITIONAL CONDITIONS COMMERCIAL GENERAL LIABILITY The following are added to SECTION IV — CONDITIONS, 8.Transfer of Rights of Recovery COMMERCIAL GENERAL LIABILITY CONDITIONS: Against Others to Us: A. Liberalization We waive any right of recovery we may have If,within 45 days prior to or during the policy period, against any person or organization with whom you have a written contract, agreement or permit to we adopt any revision that would broaden the waive any rights of recovery against such person or coverage under this policy without additional organization because of payments we make for premium, the broadened coverage will immediately injury or damage arising out of your ongoing apply to this policy. operations or "your work" done under a contract B. Concealment, Misrepresentation or Fraud with that person or organization and included in the This policy is void in any case of fraud by you as it "products-completed operations hazard". relates to this policy at any time. It is also void if you This condition does not apply to Medical Expenses or any other insured, at any time, intentionally Coverage. conceal or misrepresent a material fact concerning: K. Unintentional Failure to Disclose Hazards 1. This policy; SECTION IV — COMMERCIAL GENERAL 2. The Covered Property; LIABILITY CONDITIONS, 6. Representations is 3. Your interest in the Covered Property; or replaced by the following: 6. Representations 4. A claim under this policy. C. Insurance Under Two or More Coverages We will not disclaim coverage under this Coverage Part if you fail to disclose all hazards 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc.,with its permission. Page 9 of 14 Copyright 2019 The Hanover Insurance Company.All Rights Reserved. Insured Copy Z21F J644915 01 5701031 It is our stated intent that the various Coverage ROMs,tapes,drives,cells,data processing devices Parts, forms, endorsements or policies issued to or any other repositories of computer software the named insured by us, or any company affiliated which are used with electronically controlled with us, do not provide any duplication or overlap of equipment. The term computer programs, referred coverage for the same claim, "suit", "occurrence", to in the foregoing description of electronic data, offense, accident, "wrongful act"or loss.We will not means a set of related electronic instructions which pay more than the actual amount of the loss or direct the operations and functions of a computer or damage. device connected to it, which enable the computer If this Coverage Part and any other Coverage Part, or device to receive,process,store, retrieve or send form, endorsement or policy issued to the named data. insured by us, or any company affiliated with us, Aircraft Products, Grounding and Testing apply to the same claim, "suit",occurrence,offense, (1) "Bodily injury", "property damage" or "personal accident, "wrongful act"or loss, the maximum Limit and advertising injury" arising out of: of Insurance under all such Coverage Parts, forms, endorsements or policies combined shall not (a) "Aircraft products" or reliance upon any exceed the highest applicable Limit of Insurance representation or warranty made with such under any one Coverage Part, form, endorsement product; or policy. (b) The "grounding" of any aircraft; or This condition does not apply to any Excess or (c) The "testing"of any aircraft. Umbrella Policy issued by us specifically to apply (2) For purposes of this Exclusion, the following as excess insurance over this policy. definitions apply: pp Y: SECTION IV— EXCLUSIONS (a) "Aircraft Products" means: A. The following are added to SECTION I — (1) Aircraft, including but not limited to COVERAGES, COVERAGE A— BODILY INJURY missiles, spacecraft, or any other AND PROPERTY DAMAGE LIABILITY, 2. aircraft goods or products you Exclusions and SECTION I — COVERAGES, manufacture, sell, handle or distribute; COVERAGE B — PERSONAL AND ADVERTISING INJURY, 2. Exclusions: (ii) Aircraft and any ground support or Access Or Disclosure Of Confidential Or control equipment used in connection Personal Information And Data-related Liability therewith; Damages arising out of: (iii) Any product provided by the insured and installed or used in connection with (1) Any access to or disclosure of any person's or any aircraft; organization's confidential or personal (iv) Any tooling used in respect to any information, including patents, trade secrets, aircraft; processing methods, customer lists, financial information, credit card information, health (v) Training and navigational aids, information or any other type of nonpublic instructions, manuals, blueprints, information; or engineering or other data in connection (2) The loss of, loss of use of, damage to, with any aircraft; corruption of, inability to access, or inability to (vi) Any advice, service or labor supplied manipulate electronic data. with any aircraft; or This exclusion applies even if damages are claimed (vii)Services you or others trading under for notification costs, credit monitoring expenses, your name provide or recommend for forensic expenses, public relations expenses or any use in the manufacture, repair, other loss, cost or expense incurred by you or operation, maintenance or use of any others arising out of that which is described in aircraft. paragraphs (1) or(2) above. (b) "Grounding" means the withdrawal of one However, unless paragraph (1) above applies, this or more aircraft from flight operations or the exclusion does not apply to damages because of imposition of speed, passenger or load "bodily injury". restrictions on such aircraft, due to the existence of or alleged or suspected As used in this exclusion, electronic data means existence of any defect, fault or condition: information, facts or computer programs stored as or on, created or used on, or transmitted to or from (1) In such aircraft or any part sold, computer software including systems and handled or distributed by you or that is applications software), on hard or floppy disks, CD- manufactured, assembled or 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc.,with its permission. Page 10 of 14 Copyright 2019 The Hanover Insurance Company.All Rights Reserved. Insured Copy Z2F J644915 01 5701031 processed by any other person or (9) Optometry or optical or hearing aid services organization according to your including the prescribing, preparation, fitting, specifications, plans, suggestions, demonstration or distribution of ophthalmic orders or drawings; or lenses and similar products or hearing aid (ii) With tools, machinery or other devices; equipment furnished to such persons (10) Services in the practice of pharmacy; or organizations by you; (11) Management, Human Resource, Testing, whether such withdrawn aircraft are owned Media or Public Relations consulting services. or operated by the same or different This exclusion applies even if a claim alleges persons or organizations. negligence or other wrongdoing in the supervision, "Grounding"shall be deemed to commence hiring, employment, training or monitoring of others on the date of an "occurrence" which by an insured, if the "occurrence"which caused the discloses the necessity of"grounding"or on "bodily injury" or"property damage", or the offense the date an aircraft is first withdrawn from which caused the "personal and advertising injury", service because of such condition, involved the rendering of or failure to render any whichever comes first. professional service. (c) "Testing" means examination, observation, Unmanned Aircraft evaluation or measuring of the (1) "Bodily injury", "property damage" or "personal performance of "aircraft products", while and advertising injury" arising out of the either in the air or on the ground. ownership, maintenance, use or entrustment to Professional Services others of any aircraft that is an "unmanned "Bodily injury","property damage", or"personal and aircraft". Use includes operation and "loading advertising injury" caused by the rendering of or and unloading". failure to render any professional service, advice or This paragraph applies even if the claims against instruction: any insured allege negligence or other wrongdoing (1) By any insured; or in the supervision, hiring, employment, training or monitoring of others by that insured, if the (2) On behalf of any insured; or "occurrence" which caused the "bodily injury" or (3) From whom any insured assumed liability by "property damage"or the offense which caused the reason of a contract or agreement, "personal and advertising injury" involved the regardless of whether any such service, advice or ownership, maintenance, use or entrustment to instruction is ordinary to any insured's profession. others of any aircraft that is an "unmanned aircraft". Professional services include but are not limited to: This paragraph does not apply to: (4) Legal, accounting or advertising services, (a) The use of another's advertising idea in your notary, title abstract, tax preparation, real "advertisement"; or estate, stockbroker, publishing, architects or (b) Infringing upon another's copyright,trade dress insurance services; or slogan in your"advertisement". (5) Preparing, approving, or failing to prepare or (2) For purposes of this endorsement,the following approve maps, drawings, opinions, reports, is added to SECTION V—DEFINITIONS: surveys, change orders, designs or "Unmanned aircraft" means an aircraft that is specifications; not: (6) Supervisory, inspection or engineering (a) Designed; services; (b) Manufactured; or (7) Any medical, surgical, dental, x-ray, nursing, (c) Modified after manufacture; health or therapeutic services, treatment, advice or instruction including, but not limited to be controlled directly by a person from within to, the prescribing, furnishing or dispensing of or on the aircraft. drugs; B. The following is added to SECTION I — (8) Any service,treatment, advice or instruction for COVERAGES, COVERAGE A— BODILY INJURY the purpose of appearance or skin AND PROPERTY DAMAGE LIABILITY, 2. enhancement, hair removal or replacement or Exclusions and SECTION I — COVERAGES, personal grooming, including body piercing COVERAGE C — MEDICAL PAYMENTS, 2. services or use or exposure to any sun lamp, Exclusions: tanning booth or other similar appliance; Nuclear Energy Liability 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc.,with its permission. Page 11 of 14 Copyright 2019 The Hanover Insurance Company.All Rights Reserved. Insured Copy Z21F J644915 01 5701031 (1) "Bodily injury" or"property damage": Canada, this Exclusion (3) applies only to (a) With respect to which an insured under the "property damage"to such"nuclear facility" policy is also an insured under a nuclear and any property thereat. energy liability policy issued by the Nuclear (4) As used in this exclusion: Energy Liability Insurance Association, (a) "By-product material" has the meaning Mutual Atomic Energy Liability given it in the Atomic Energy Act of 1954 or Underwriters or Nuclear Insurance in any law amendatory thereof; Association of Canada, or would be an insured under any such policy but for its (b) "Hazardous properties" include termination upon exhaustion of its limit of radioactive, toxic or explosive properties; liability; or (c) "Nuclear facility" means: (b) Resulting from the "hazardous properties" (i) Any"nuclear reactor"; of "nuclear material" and with respect to (ii) Any equipment or device designed or which: used for: (i) Any person or organization is required 1) Separating the isotopes of uranium to maintain financial protection or plutonium; pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof; 2) Processing or utilizing "spent fuel"; or or (ii) The insured is, or had this policy not 3) Handling, processing or packaging been issued would be, entitled to "waste"; indemnity from the United States of (iii) Any equipment or device used for the America, or any agency thereof, under processing, fabricating or alloying of any agreement entered into by the "special nuclear material" if at any time United States of America, or any the total amount of such material in the agency thereof, with any person or custody of the insured at the premises organization. where such equipment or device is (2) Under COVERAGE C — MEDICAL located consists of or contains more PAYMENTS,expenses incurred with respect to than 25 grams of plutonium or uranium "bodily injury" resulting from the "hazardous 233 or any combination thereof, or properties"of"nuclear material"and arising out more than 250 grams of uranium 235; of the operation of a "nuclear facility" by any (iv) Any structure, basin, excavation, person or organization. premises or place prepared or used for (3) "Bodily injury" or "property damage" resulting the storage or disposal of"waste"; from the "hazardous properties" of the "nuclear and includes the site on which any of the material"; if: foregoing is located, all operations (a) The "nuclear material": conducted on such site and all premises (i) Is at any "nuclear facility" owned by, or used for such operations; operated by or on behalf of,an insured; (d) "Nuclear material" means "source or material", "special nuclear material" or"by- (ii) Has been discharged or dispersed product material"; therefrom; (e) Nuclear reactor means any apparatus (b) The "nuclear material" is contained in designed or used to sustain nuclear fission "spent fuel" or "waste" at any time in a self-supporting chain reaction or to possessed, handled, used, processed, contain a critical mass of fissionable material; stored, transported or disposed of by or on behalf of an insured; or (f) "Property damage" includes all forms of c The "bodily injury" or "property dama e" radioactive contamination of property. O Y � 1 Y" 9 arises out of the furnishing by an insured of (g) "Source material" has the meaning given it services, materials, parts or equipment in in the Atomic Energy Act of 1954 or in any connection with the planning, construction, law amendatory thereof; maintenance, operation or use of any (h) "Special nuclear material"has the meaning "nuclear facility"; but if such facility is given it in the Atomic Energy Act of 1954 or located within the United States of in any law amendatory thereof; America, its territories or possessions or 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc.,with its permission. Page 12 of 14 Copyright 2019 The Hanover Insurance Company.All Rights Reserved. Insured Copy Z2F J644915 01 5701031 (1) "Spent fuel"means any fuel element or fuel or use of aircraft (other than "unmanned- component, solid or liquid, which has been aircraft") or watercraft; or used or exposed to radiation in a "nuclear (e) "Bodily injury"or"property damage"arising reactor"; out of: (j) "Waste" means any waste material: (i) The operation of machinery or (i) Containing "by-product material" other equipment that is attached to, or part than the tailings or wastes produced by of, a land vehicle that would qualify the extraction or concentration of under the definition of "mobile uranium or thorium from any ore equipment" if it were not subject to a processed primarily for its "source compulsory or financial responsibility material" content; and law or other motor vehicle insurance or (ii) Resulting from the operation by any motor vehicle registration law where it person or organization of any "nuclear is licensed or principally garaged; or facility" included under paragraphs (i) (ii) The operation of any of the following and (ii) of the definition of "nuclear machinery or equipment: facility". 1) Cherry pickers and similar devices C. Amended Exclusion With Coverage Extension mounted on automobile or truck SECTION I — COVERAGES, COVERAGE A — chassis and used to raise or lower BODILY INJURY AND PROPERTY DAMAGE workers; and LIABILITY, 2. Exclusions, g. Aircraft, Auto or 2) Air compressors, pumps and Watercraft is replaced by the following: generators, including spraying, g. Aircraft (Other Than Unmanned Aircraft), welding, building cleaning, Auto or Watercraft geophysical exploration, lighting "Bodily injury" or"property damage" arising out and well-servicing equipment; or of the ownership, maintenance, use or (f) An aircraft (other than "unmanned aircraft") entrustment to others of any aircraft(other than that is: "unmanned aircraft"), "auto" or watercraft (i) Chartered by, loaned to, or hired by owned or operated by or rented or loaned to you with a paid crew; and any insured. Use includes operation and (ii) Not owned by any insured. "loading or unloading". SECTION V—AMENDED DEFINITIONS This paragraph g. applies even if the claims against any insured allege negligence or other A. SECTION V—DEFINITIONS, 3. "Bodily injury", 16. wrongdoing in the supervision, hiring, "Products—completed operations hazard", and 17. employment,training or monitoring of others by "Property damage" are replaced by the following: that insured, if the "occurrence" which caused 3. "Bodily injury" means bodily injury, sickness or the "bodily injury" or "property damage" disease sustained by a person, including death involved the ownership, maintenance, use or resulting from any of these at any time. "Bodily entrustment to others of any aircraft(other than injury" includes mental anguish or other mental "unmanned aircraft"), "auto"or watercraft that is injury resulting from "bodily injury". owned or operated by or rented or loaned to 16. "Products—completed operations hazard": any insured. This paragraph g. does not apply to: a. Includes all "bodily injury" and "property damage occurring away from premises (a) A watercraft while ashore on premises you you own or rent and arising out of "your own or rent; product" or"your work" except: (b) A watercraft you do not own that is: (1) Products that are still in your physical (i) Less than 51 feet long; and possession; or (ii) Not being used to carry persons or (2) Work that has not yet been completed property for a charge; or abandoned. However, "your work" (c) Parking an "auto" on, or on the ways next will be deemed completed at the earliest of the following times: to, premises you own or rent, provided the "auto" is not owned by or rented or loaned (a) When all of the work called for in to you or the insured; your contract has been completed. (d) Liability assumed under any "insured (b) When all of the work to be done at contract" for the ownership, maintenance the job site has been completed if 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc.,with its permission. Page 13 of 14 Copyright 2019 The Hanover Insurance Company.All Rights Reserved. Insured Copy Z21F J644915 01 5701031 your contract calls for work at more unloading" of that vehicle by any than one job site. insured; or (c) When that part of the work done at (2) The existence of tools, uninstalled the job site has been put to its equipment or abandoned or unused intended use by any other person materials. or organization other than another 17. "Property damage" means: contractor or subcontractor working on the same project. a. Physical injury to tangible property, including all resulting loss of use of that Work that may need service, property. All such loss of use shall be maintenance, correction, repair or deemed to occur at the time of the physical replacement, but which is otherwise injury that caused it; or complete,will be treated as completed. The "bodily injury" or "property b. Loss of use of tangible property that is not damage" must occur away from physically injured. All such loss of use shall be deemed to occur at the time of the premises you own or rent, unless your "occurrence"that caused it. business includes the selling, handling or distribution of "your product" for For the purposes of this insurance, electronic consumption on premises you own or data is not tangible property. rent. As used in this definition, electronic data means b. Does not include"bodily injury"or"property information, facts or programs stored as, damage" arising out of: created or used on, or transmitted to or from computer software, including systems and (1) The transportation of property, unless applications software, hard or floppy disks, CD- the injury or damage arises out of a ROMs, tapes, drives, cells, data processing CD- condition in or on a vehicle not owned devices or any other media which are used with or operated by you, and that condition electronically controlled equipment. was created by the "loading or ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc.,with its permission. Page 14 of 14 Copyright 2019 The Hanover Insurance Company.All Rights Reserved. Insured Copy