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Certificate
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 below If 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 OCCURRENCE DAMAGE 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 HIRED AUTOS ONLY 4/26/2023 Haylor,Freyer &Coon,Inc. PO Box 4743 Syracuse NY 13221 Ashley Franczak 315-451-1500 certificates@haylor.com Cincinnati Insurance Co 10677 WIDEWATERS1 Cincinnati Casualty Company 28665PyramidNetworkServicesLLC 6615 Towpath Road East Syracuse,NY 13057 Affiliated FM Insurance Company 10014 Allianz Global Risks US Insurance Co 35300 Indian Harbor Insurance 36940 1324214315 A X 1,000,000 X 500,000 X Contractual Liab 10,000 1,000,000 2,000,000 X X Y Y EPP0573971 4/1/2023 4/1/2024 2,000,000 A 1,000,000 X X X Y Y EBA0569119 4/1/2023 4/1/2024 A X X 5,000,000YEPP05710184/1/2023Y 4/1/2024 5,000,000 B X N Y EWC0530375 4/1/2023 4/1/2024 1,000,000 1,000,000 1,000,000 C D E Leased/Rented Equipment Builders Risk Professional Liability 1097527 SML93079360 MPP003900609 4/1/2023 4/1/2023 4/1/2023 4/1/2024 4/1/2024 4/1/2024 $250,000 Limit $1,000,000 Limit $2,000,000 Claim/Agg Ded $10,000 Ded $10,000 $50,000 Ded General Liability Blanket Additional Insured-Owners/Contractors-Automatic status when required by written contract per Form GA472 09/18 General Liability Blanket Additional Insured on a Primary and Noncontributory basis and Waiver of Subrogation applies in favor of Certificate Holder when required by written contract per Form GA233NY 10/20 Auto Liability Blanket Additional Insured and Waiver of Subrogation as required by written contract Form AA288 01/16 Workers Compensation Waiver of Subrogation Form WC 00 03/13 City of Northampton 212 Mains St Northampton MA 01060 Includes copyrighted material of Insurance GA 472 09 18 Services Office, Inc., with its permission.Page 1 of 3 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTORS ADDITIONAL INSURED -AUTOMATIC STATUS AND AUTOMATIC WAIVER OF SUBROGATION WHEN REQUIRED IN WRITTEN CONTRACT,AGREEMENT, PERMIT OR AUTHORIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A.Additional Insured -Owners,Lessees Or Contractors -Automatic Status For Other Parties When Required In Written Contract Or Agreement With You 1.Section II -Who Is An Insured is amended to include as an additional in- sured any person or organization you have agreed in writing in a contract or agreement to add as an additional in- sured on this Coverage Part.Such per- son(s)or organization(s)is an additional insured only with respect to liability for: a."Bodily injury", "property damage"or "personal and advertising injury" caused,in whole or in part,by the performance of your ongoing opera- tions by you or on your behalf,under that written contract or written agreement.Ongoing operations does not apply to "bodily injury"or "proper- ty damage"occurring after: (1)All work,including materials, parts or equipment furnished in connection with such work,on the project (other than service, maintenance or repairs)to be performed by or on behalf of the additional insured(s)at the loca- tion of the covered operations has been completed; or (2)That portion of "your work"out of which the injury or damage aris- es has been put to its intended use by any person or organiza- tion other than another contrac- tor or subcontractor engaged in performing operations for a prin- cipal as a part of the same pro- ject; and b."Bodily injury"or "property damage" caused, in whole or in part,by "your work"performed under that written contract or written agreement and in cluded in the "products-completed operations hazard", but only if: (1)The Coverage Part to which this endorsement is attached pro- vides coverage for "bodily injury" or "property damage"included within the "products-completed operations hazard"; and (2)The written contract or written agreement requires you to pro- vide additional insured coverage included within the "products- completed operations hazard" for that person or organization. If the written contract or written agreement requires you to provide additional insured coverage included within the "products-completed oper- ations hazard"for a specified length of time for that person or organiza- tion, the "bodily injury"or "property damage"must occur prior to the ex- piration of that period of time in order for this insurance to apply. If the written contract or written agreement requires you to provide additional insured coverage for a person or organization per only ISO additional insured endorsement form number CG 20 10,without specifying an edition date,and without specifi- cally requiring additional insured coverage included within the prod- ucts-completed operations hazard, this Paragraph b.does not apply to that person or organization. 2.If the written contract or written agree- ment described in Paragraph 1.above specifically requires you to provide addi- tional insured coverage to that person or organization: a.Arising out of your ongoing opera- tions or arising out of "your work"; or Includes copyrighted material of Insurance GA 472 09 18 Services Office, Inc., with its permission.Page 2 of 3 b.By way of an edition of an ISO addi- tional insured endorsement that in- cludes arising out of your ongoing operations or arising out of "your work"; then the phrase caused,in whole or in part,b y in Paragraph A.1.a.and/or Para- graph A.1.b.above,whichever applies,is replaced by the phrase arising out of. 3.With respect to the insurance afforded to the additional insureds described in Para- graph A.1.,the following additional exclu- sion applies: This insurance does not apply to "bodily injury", "property damage"or "personal and advertising injury"arising out of the rendering of,or the failure to render,any professional architectural,engineering or surveying services, including: a.The preparing,approving or failing to prepare or approve,maps,shop drawings,opinions,reports,surveys, field orders, change orders or draw- ings and specifications; or b.Supervisory,inspection,architectural or engineering activities. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision,hir- ing,employment,training or monitoring of others by that insured,if the "occurrence" which caused the "bodily injury"or "prop- erty damage",or the offense which caused the "personal and advertising inju- ry",involved the rendering of,or the fail- ure to render,any professional architec- tural,engineering or surveying services. 4.This Paragraph A.does not apply to addi- tional insureds described in Paragraph B. B.Additional Insured -State Or Governmental Agency Or Subdivision Or Political Subdi- vision -Automatic Status When Required In Written Permits Or Authorizations 1.Section II -Who Is An Insured is amended to include as an additional in- sured any state or governmental agency or subdivision or political subdivision you have agreed in writing in a contract, agreement,permit or authorization to add as an additional insured on this Coverage Part.Such state or governmental agency or subdivision or political subdivision is an additional insured only with respect to op- erations performed by you or on your be- half for which the state or governmental agency or subdivision or political subdivi- sion issued,in writing,a contract,agree- ment, permit or authorization. 2.With respect to the insurance afforded to the additional insureds described in Para- graph B.1.,the following additional exclu- sions apply: This insurance does not apply to: a."Bodily injury", "property damage"or "personal and advertising injury"aris- ing out of operations performed for the federal government,state or mu- nicipality; or b."Bodily injury"or "property damage" included within the "products- completed operations hazard." C.The insurance afforded to additional insureds described in Paragraphs A.and B.: 1.Only applies to the extent permitted by law;and 2.Will not be broader than that which you are required by the written contract,writ- ten agreement,written permit or written authorization to provide for such addition- al insured; and 3.Does not apply to any person,organiza- tion, state,governmental agency or sub- division or political subdivision specifically named as an additional insured for the same project in the schedule of an en- dorsement added to this Coverage Part. D.With respect to the insurance afforded to the additional insureds described in Paragraphs A.and B.,the following is added to Section III -Limits Of Insurance: The most we will pay on behalf of the addi- tional insured is the amount of insurance: 1.Required by the written contract,written agreement,written permit or written au- thorization described in Paragraphs A. and B.; or 2.Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the appli- cable Limits of Insurance shown in the Decla- rations. E.Section IV -Commercial General Liability Conditions is amended to add the following: Automatic Additional Insured Provision This insurance applies only if the "bodily inju- ry"or "property damage"occurs,or the "per- sonal and advertising injury"offense is com- mitted: 1.During the policy period; and Includes copyrighted material of Insurance GA 472 09 18 Services Office, Inc., with its permission.Page 3 of 3 2.Subsequent to your execution of the writ- ten contract or written agreement,or the issuance of a written permit or written au- thorization,described in Paragraphs A. and B. F.Except when G.below applies,the following is added to Section IV -Commercial General Liability Conditions,5.Other Insurance, and supersedes any provision to the contrary: When Other Additional Insured Coverage Applies On An Excess Basis This insurance is primary to other insurance available to the additional insured described in Paragraphs A.and B.except: 1.As otherwise provided in Section IV - Commercial General Liability Condi- tions,5.Other Insurance,b.Excess In- surance; or 2.For any other valid and collectible insur- ance available to the additional insured as an additional insured by attachment of an endorsement to another insurance policy that is written on an excess basis. In such case, this insurance is also excess. G.The following is added to Section IV -Com- mercial General Liability Conditions,5. Other Insurance,and supersedes any provi- sion to the contrary: Primary Insurance When Required By Writ- ten Contract,Agreement,Permit Or Au- thorization Except when wrap-up insurance applies to the claim or "suit"on behalf of the additional in- sured,this insurance is primary to any other insurance available to the additional insured described in Paragraphs A.and B.provided that: 1.The additional insured is a Named In- sured under such other insurance; and 2.You have agreed in writing in a contract, agreement,permit or authorization de- scribed in Paragraph A.or B.that this in- surance would be primaryto any other in- surance available to the additional in- sured. As used in this endorsement,wrap-up insur- ance means any insurance provided by a con- solidated (wrap-up) insurance program. Primary And Noncontributory Insurance When Required By Written Contract, Agreement, Permit Or Authorization Except when wrap-up insurance applies to the claim or "suit"on behalf of the additional in- sured,this insurance is primary to and will not seek contribution from any other insurance available to the additional insured described in Paragraphs A.and B.provided that: 1.The additional insured is a Named In- sured under such other insurance; and 2.You have agreed in writing in a contract, agreement,permit or authorization de- scribed in Paragraph A.or B.that this in- surance would be primary and would not seek contribution from any other insur- ance available to the additional insured. As used in this endorsement,wrap-up insur- ance means any insurance provided by a con- solidated (wrap-up) insurance program. H.Section IV -Commercial General Liability Conditions,9.Transfer Of Rights Of Re- covery Against Others To Us is amended by the addition of the following: We waive any right of recovery we may have against any additional insured under this en- dorsement against whom you have agreed to waive such right of recovery in a written con- tract,written agreement,written permit or writ- ten authorization because of payments we make for injury or damage arising out of your ongoing operations or "your work"done under a written contract,written agreement,written permit or written authorization.However,our rights may only be waived prior to the "occur- rence"giving rise to the injury or damage for which we make payment under this Coverage Part.The insured must do nothing after a loss to impair our rights.At our request,the insured will bring "suit"or transfer those rights to us and help us enforce those rights. Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 1 of 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTORS’COMMERCIAL GENERAL LIABILITY BROADENED ENDORSEMENT -NEW YORK This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A.Endorsement -Table of Contents: Coverage:Begins on Page: 1.Employee Benefit Liability Coverage .............................................................................................3 2.Unintentional Failure to Disclose Hazards ....................................................................................8 3.Damage to Premises Rented to You ..............................................................................................8 4.Supplementary Payments ...............................................................................................................8 5.Medical Payments ............................................................................................................................9 6.180 Day Coverage for Newly Formed or Acquired Organizations ..............................................9 7.Waiver of Subrogation.....................................................................................................................9 8. Automatic Additional Insured -Specified Relationships:...........................................................9 Managers or Lessors of Premises; Lessor of Leased Equipment; Vendors; State or Governmental Agency or Subdivision or Political Subdivision -Permits or Author- iztions Relating to Premises;and Mortgagee,Assignee or Receiver 9.Property Damage to Borrowed Equipment .................................................................................12 10.Employees as Insureds -Specified Health Care Services:.......................................................13 11.Broadened Notice of Occurrence .................................................................................................13 12.Nonowned Aircraft .........................................................................................................................13 13.Bodily Injury Redefined .................................................................................................................13 14.Expected or Intended Injury Redefined .......................................................................................13 15.Former Employees as Insureds ....................................................................................................13 16.Voluntary Property Damage Coverage and Care,Custody or Control Liability Coverage .........................................................................................................................................14 17.Broadened Contractual Liability -Work Within 50’ of Railroad Property.................................15 18.Alienated Premises ........................................................................................................................15 B.Limits of Insurance: The Commercial General Liability Limits of Insurance apply to the insurance provided by this endorsement, except as provided below: 1.Employee Benefit Liability Coverage Each Employee Limit:$1,000,000 Aggregate Limit:$3,000,000 Deductible Amount:$1,000 3.Damage to Premises Rented to You The lesser of: a.The Each Occurrence Limit shown in the Declarations; or b.$500,000 unless otherwise stated $ 4.Supplementary Payments a.Bail Bonds:$2,500 Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 2 of 15 b.Loss of Earnings:$500 5.Medical Payments Medical Expense Limit:$10,000 9.Property Damage to Borrowed Equipment Each Occurrence Limit:$10,000 Deductible Amount:$ 250 16.Voluntary Property Damage (Coverage a.)and Care, Custody or Control Liability Coverage (Coverage b.) Limits of Insurance Coverage a. $1,000 Each Occurrence $5,000 Each Aggregate Coverage b.$5,000 Each Occurrence unless otherwise stated $ Deductible Amount (Each Occurrence) Coverage a.$250 Coverage b.$250 unless otherwise stated $ COVERAGE PREMIUM BASIS (a)Area (b)Payroll (c)Gross Sales (d)Units (e)Other RATE (For Limits in Excess of $5,000) ADVANCE PREMIUM (For Limits in Excess of $5,000) b.Care,Custody or Control $ TOTAL ANNUAL PREMIUM $ Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 3 of 15 C.Coverages: 1.Employee Benefit Liability Coverage a.The following is added to Section I - Coverages:Employee Benefit Lia- bility Coverage. (1)Insuring Agreement (a)We will pay those sums that the insured becomes legally obligated to pay as damag- es caused by any act,error or omission of the insured, or of any other person for whose acts the insured is legally liable,to which this insurance applies.W e will have the right and duty to defend the insured against any "suit"seeking those damages even if the allega- tions of the "suit"are groundless,false or fraudu- lent.However,we will have no duty to defend against any "suit"seeking damages to which this insurance does not apply.We may,at our discretion, investigate any report of an act,error or omission and settle any claim or "suit"that may re- sult.But: 1)The amount we will pay for damages is limited as described in Section III -Limits of Insur- ance;and 2)Our right and duty to defend ends when we have used up the appli- cable limit of insurance in the payment of judgments or settle- ments. No other obligation or liabil- ity to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Pay- ments. (b)This insurance applies to damages only if the act,er- ror or omission,is negligent- ly committed in the "admin- istration"of your "employee benefit program"and occurs during the policy period. (2)Exclusions This insurance does not apply to: (a)Bodily Injury,Property Damage or Personal and Advertising Injury "Bodily injury","property damage"or "personal and advertising injury". (b)Dishonest,Fraudulent, Criminal or Malicious Act Damages arising out of any intentional,dishonest, fraudulent,criminal or mali- cious act,error or omission, committed by any insured, including the willful or reck- less violation of any statute. (c)Failure to Perform a Con- tract Damages arising out of fail- ure of performance of con- tract by any insurer. (d)Insufficiency of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the "employee benefit program". (e)Inadequacy of Perfor- mance of Investment / Advice Given With Re- spect to Participation Any claim based upon: 1)Failure of any invest- ment to perform; 2)Errors in providing in- formation on past per- formance of investment vehicles; or 3)Advice given to any person with respect to that person’s decision to participate or not to participate in any plan included in the "em- ployee benefit pro- gram". (f)Workers’Compensation and Similar Laws Any claim arising out of your failure to comply with the mandatory provisions of any workers’compensation,un- employment compensation insurance, social security or disability benefits law or any similar law. Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 4 of 15 (g)ERISA Damages for which any in- sured is liable because of li- ability imposed on a fiduci- ary by the Employee Re- tirement Income Security Act of 1974,as now or hereafter amended,or by any similar federal,state or local laws. (h)Available Benefits Any claim for benefits to the extent that such benefits are available,with reasonable effort and cooperation of the insured,from the applicable funds accrued or other col- lectible insurance. (i)Taxes, Fines or Penalties Taxes, fines or penalties, including those imposed under the Internal Revenue Code or any similar state or local law. (j)Employment-Related Practices Any liability arising out of any: (1)Refusal to employ; (2)Termination of em- ployment; (3)Coercion,demotion, evaluation,reassign- ment,discipline,defa- mation,harassment, humiliation,discrimina- tion or other employ- ment-related practices, acts or omissions;or (4)Consequential liability as a result of (1),(2)or (3)above. This exclusion applies whether the insured may be held liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. (3)Supplementary Payments Section I -Coverages,Sup- plementary Payments -Cover- ages A and B also apply to this Coverage. b.Who is an Insured As respects Employee Benefit Liabil- ity Coverage,Section II -Who is an Insured is replaced by the following: (1)If you are designated in the Dec- larations as: (a)An individual,you and your spouse are insureds,but only with respect to the con- duct of a business of which you are the sole owner. (b)A partnership or joint ven- ture, you are an insured. Your members,your part- ners,and their spouses are also insureds but only with respect to the conduct of your business. (c)A limited liability company, you are an insured.Your members are also insureds, but only with respect to the conduct of your business. Your managers are in- sureds,but only with respect to their duties as your man- agers. (d)An organization other than a partnership,joint venture or limited liability company,you are an insured.Your "ex- ecutive officers"and direc- tors are insureds,but only with respect to their duties as your officers or directors. Your stockholders are also insureds,but only with re- spect to their liability as stockholders. (e)A trust, you are an insured. Your trustees are also in- sureds, but only with respect to their duties as trustees. (2)Each of the following is also an insured: (a)Each of your "employees" who is or was authorized to administer your "employee benefit program". (b)Any persons,organizations or "employees"having proper temporary authoriza- tion to administer your "em- ployee benefit program" if you die,but only until your legal representative is ap- pointed. Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 5 of 15 (c)Your legal representative if you die,but only with re- spect to duties as such. That representative will have all your rights and du- ties under this Coverage Part. (3)Any organization you newly ac- quire or form,other than a part- nership,joint venture or limited liabilitycompany,and over which you maintain ownership or ma- jority interest,will qualify as a Named Insured if no other simi- lar insurance applies to that or- ganization.However,coverage under this provision: (a)Is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier; and (b)Does not apply to any act, error or omission that was committed before you ac- quired or formed the organi- zation. c.Limits of Insurance As respects Employee Benefit Liabil- ity Coverage,Section III -Limits of Insurance is replaced by the follow- ing: (1)The Limits of Insurance shown in Section B.Limits of Insurance, 1.Employee Benefit Liability Coverage and the rules below fix the most we will pay regard- less of the number of: (a)Insureds; (b)Claims made or "suits" brought; (c)Persons or organizations making claims or bringing "suits"; (d)Acts, errors or omissions; or (e)Benefits included in your "employee benefit program". (2)The Aggregate Limit shown in Section B.Limits of Insurance, 1.Employee Benefit Liability Coverage of this endorsement is the most we will pay for all dam- ages because of acts,errors or omissions negligently committed in the "administration"of your "employee benefit program". (3)Subject to the limit described in (2)above, the Each Employee Limit shown in Section B.Limits of Insurance,1.Employee Benefit Liability Coverage of this endorsement is the most we will pay for all damages sus- tained by any one "employee", including damages sustained by such "employee’s"dependents and beneficiaries, as a result of: (a)An act, error or omission;or (b)A series of related acts,er- rors or omissions,regard- less of the amount of time that lapses between such acts, errors or omissions, negligently committed in the "administration"of your "employ- ee benefit program". However,the amount paid under this endorsement shall not ex- ceed,and will be subject to the limits and restrictions that apply to the payment of benefits in any plan included in the "employee benefit program". (4)Deductible Amount (a)Our obligation to pay dam- ages on behalf of the in- sured applies only to the amount of damages in ex- cess of the deductible amount stated in B.Limits of Insurance,1.Employee Benefit Liability Coverage as applicable to Each Em- ployee.The limits of insur- ance shall not be reduced by the amount of this de- ductible. (b)The deductible amount stat- ed in B.Limits of Insur- ance,1.Employee Benefit Liability Coverage as ap- plicable to Each Employee applies to all damages sus- tained by any one "employ- ee",including such "em- ployee’s"dependents and beneficiaries,because of all acts,errors or omissions to which this insurance ap- plies. (c)The terms of this insurance, including those with respect to: 1)Our right and duty to defend the insured Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 6 of 15 against any "suits" seeking those damag- es; and 2)Your duties,and the duties of any other in- volved insured,in the event of an act,error or omission,or claim, apply irrespective of the ap- plication of the deductible amount. (d)We may pay any part or all of the deductible amount to effect settlement of any claim or "suit"and,upon no- tification of the action taken, you shall promptly reim- burse us for such part of the deductible amount as we have paid. d.Additional Conditions As respects Employee Benefit Lia- bility Coverage,Section IV -Com- mercial General Liability Condi- tions is amended as follows: (1)Item 2.Duties in the Event of Occurrence,Offense,Claim or Suit is replaced by the following: 2.Duties in the Event of an Act,Error or Omission,or Claim or Suit a.You must see to itthat we are notified as soon as practicable of an act,error or omission which may result in a claim.To the ex tent possible,notice should in clude: (1)What the act,error or omis- sion was and when it occurred; and (2)The names and addresses of anyone who may suffer damag- es as a result of the act,error or omission. b.If a claim is made or "suit" is brought against any insured,you must: (1)Immediately record the spe- cifics of the claim or "suit"and the date received;and (2)Notify us as soon as practi- cable. You must see to it that we re ceive written notice of the claim or "suit" as soon as practicable. c.You and any other involved in sured must: (1)Immediately send us copies of any demands,notices, sum- monses or legal papers received in connection with the claim or "suit"; (2)Authorize us to obtain rec- ords and other information; (3)Cooperate with us in the in- vestigation or settlement of the claim or defense against the "suit"; and (4)Assist us,upon our request, in the enforcement of any right against any person or organiza- tion which may be liable to the insured because of an act,error or omission to which this insur- ance may also apply. d.No insured will,except at that in sured’s own cost,voluntarily make a payment,assume any obligation,or incur any expense without our consent. (2)Item 5.Other Insurance is re- placed by the following: 5.Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under this Coverage Part, our obligations are limited as follows: a.Primary Insurance This insurance is pri- mary.Our obligations are not affected unless any of the other insur- ance is also primary. Then,we will share with all that other insurance by the method de- scribed in b.below. b.Method of Sharing If all of the other insur- ance permits contribu- tion by equal shares, we will follow this meth- od also.Under this ap- proach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 7 of 15 If any of the other in- surance does not per- mit contribution by equal shares,we will contribute by limits. Under this method, each insurer’s share is based on the ratio of its applicable limit of in- surance to the total ap- plicable limits of insur- ance of all insurers. e. Additional Definitions As respects Employee Benefit Lia- bility Coverage,Section V -Defini- tions is amended as follows: (1)The following definitions are added: 1."Administration" means: a.Providing information to "employees",including their dependents and beneficiaries,with re- spect to eligibility for or scope of "employee benefit programs"; b.Interpreting the "em- ployee benefit pro- grams"; c.Handling records in connection with the "employee benefit pro- grams"; or d.Effecting,continuing or terminating any "em- ployee’s"participation in any benefit included in the "employee bene- fit program". However,"administration" does not include: a.Handling payroll deduc- tions; or b.The failure to effect or maintain any insurance or adequate limits of coverage of insurance, including but not limited to unemployment in- surance,social security benefits,workers’com- pensation and disability benefits. 2."Cafeteria plans"means plans authorized by applica- ble law to allow "employees" to elect to pay for certain benefits with pre-tax dollars. 3."Employee benefit pro- grams"means a program providing some of all of the following benefits to "em- ployees",whether provided through a "cafeteria plan"or otherwise: a.Group life insurance; group accident or health insurance;den- tal,vision and hearing plans;and flexible spending accounts; provided that no one other than an "employ- ee"may subscribe to such benefits and such benefits are made gen- erally available to those "employees"who satis- fy the plan’s eligibility requirements; b.Profit sharing plans, employee savings plans,employee stock ownership plans,pen- sion plans and stock subscription plans,pro- vided that no one other than an "employee" may subscribe to such benefits and such benefits are made gen- erally available to all "employees"who are eligible under the plan for such benefits; c.Unemployment insur- ance,social security benefits,workers’com- pensation and disability benefits; and d.Vacation plans,includ- ing buy and sell pro- grams;leave of ab- sence programs, in- cluding military,mater- nity,family,and civil leave; tuition assistance plans;transportation and health club subsi- dies. (2)The following definitions are de- leted in their entirety and re- placed by the following: 8."Employee"means a person actively employed,formerly employed,on leave of ab- Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 8 of 15 sence or disabled,or re- tired."Employee"includes a "leased worker"."Employee" does not include a "tempo- rary worker". 21."Suit"means a civil pro- ceeding in which money damages because of an act, error or omission to which this insurance applies are alleged. "Suit"includes: a.An arbitration proceed- ing in which such dam- ages are claimed and to which the insured must submit or does submit with our con- sent; b.Any other alternative dispute resolution pro- ceeding in which such damages are claimed and to which the in- sured submits with our consent; or c.An appeal of a civil pro- ceeding. 2.Unintentional Failure to Disclose Haz- ards Section IV -Commercial General Liabil- ity Conditions,7.Representations is amended by the addition of the following: Based on our dependence upon your rep- resentations as to existing hazards, if un- intentionally you should fail to disclose all such hazards at the inception date of your policy,we will not reject coverage under this Coverage Part based solely on such failure. 3.Damage to Premises Rented to You a.The last Paragraph of 2.Exclusions under Section I -Coverage A -Bod- ily Injury and Property Damage Li- ability is replaced by the following: Exclusions c.through q.do not apply to "property damage"by fire,explo- sion,lightning,smoke or soot to premises while rented to you or tem- porarily occupied by you with permis- sion of the owner for which the amount we will pay is limited to the Damage to Premises Rented to You Limit as described in Section III -Limits of Insurance. b.Limit of Insurance W ith respect to the insurance afford- ed in Paragraph 3.a.above,the Damage to Premises Rented to You Limit as shown in the Declara- tions is amended as follows: (1)Paragraph 6.of Section III - Limits of Insurance is replaced by the following: 6.Subject to Paragraph 5. above,the Damage to Premises Rented to You Limit is the most we will pay under Coverage A -Bodily Injury and Property Dam- age Liability for damages because of "property dam- age"to any one premises: a.W hile rented to you,or temporarily occupied by you with permission of the owner; b.In the case of damage by fire,explosion,light- ning,smoke or soot, while rented to you; or c.In the case of damage by water,while rented to and occupied by you. (2)The most we will pay is limited as described in Section B.Lim- its of Insurance,3.Damage to Premises Rented to You of this endorsement. 4.Supplementary Payments Under Section I -Supplementary Pay- ments -Coverages A and B: a.Paragraph 2.is replaced by the fol- lowing: Up to the limit shown in Section B. Limits of Insurance,4.a.Bail Bonds of this endorsement for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage ap- plies.W e do not have to furnish these bonds. b.Paragraph 4.is replaced by the fol- lowing: All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit",including actual loss of earnings up to the limit shown in Sec- tion B.Limits of Insurance,4.b. Loss of Earnings of this endorsement per day because of time off from work. 5.Medical Payments The Medical Expense Limit of Any One Person as stated in the Declarations is amended to the limit shown in Section B. Limits of Insurance,5.Medical Pay- ments of this endorsement. Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 9 of 15 6.180 Day Coverage for Newly Formed or Acquired Organizations Section II -Who is an Insured is amended as follows: Subparagraph a.of Paragraph 3.is re- placed bythe following: a.Insurance under this provision is af- forded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier; 7.Waiver of Subrogation Section IV -Commercial General Liabil- ity Conditions,9.Transfer of Rights of Recovery Against Others to Us is here- by amended by the addition of the follow- ing: W e waive any right of recovery we may have against any person or organization against whom you have agreed to waive such right of recovery in a written contract or agreement because of payments we make for injury or damage arising out of your ongoing operations or "your work" done under a written contract or agree- ment with that person or organization and included in the "products-completed oper- ations hazard".However,our rights may only be waived prior to the "occurrence" giving rise to the injury or damage for which we make payment under this Cov- erage Part. The insured must do nothing after a loss to impair our rights.At our re- quest,the insured will bring "suit"or trans- fer those rights to us and help us enforce those rights. 8. Automatic Additional Insured -Speci- fied Relationships a.The following is hereby added to Section II -Who is an Insured: (1)Any person(s)or organization(s) described in Paragraph 8.a.(2)of this endorsement (hereinafter re- ferred to as additional insured) whom you are required to add as an additional insured under this Coverage Part by reason of a written contract,written agree- ment,written permit or written authorization. (2)Only the following persons or or- ganizations are additional in- sureds under this endorsement, and insurance coverage provid- ed to such additional insureds is limited as provided herein: (a)Managers or Lessors of Premises The manager or lessor of a premises leased to you with whom you have agreed per Paragraph 8.a.(1)of this endorsement to provide in- surance,but only with re- spect to liability arising out of the ownership,mainte- nance or use of that part of the premises leased to you, subject to the following addi- tional exclusions: This insurance does not ap- ply to: (i)Any "occurrence"which takes place after you cease to be a tenant in that premises. (ii)Structural alterations, new construction or demolition operations performed by or on be- half of such additional insured. (b)Lessor of Leased Equip- ment Any person or organization from whom you lease equipment when you and such person(s)or organiza- tion(s)have agreed per Par- agraph 8.a.(1)of this en- dorsement to provide insur- ance.Such person(s)or or- ganization(s)are insureds only with respect to their lia- bility "bodily injury","proper- ty damage"or "personal and advertising injury" caused, in whole or in part,by your maintenance,operation or use of equipment leased to you by such person(s)or organizations(s)A person’s or organization’s status as an additional insured under this endorsement ends when their contract or agreement with you for such leased equipment ends.. However,this insurance does not apply to any "oc- currence"which takes place after the equipment lease expires. (c)Vendors Any person or organization (referred to below as ven- dor)with whom you have agreed per Paragraph 8.a.(1)of this endorsement to provide insurance, but on- ly with respect to "bodily in- jury"or "property damage" arising out of "your prod- ucts"which are distributed or sold in the regular course Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 10 of 15 of the vendor’s business, subject to the following addi- tional exclusions: (i)The insurance afforded the vendor does not apply to: 1)"Bodily injury"or "property damage" for which the ven- dor is obligated to pay damages by reason of the as- sumption of liability in a contract or agreement.This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement; 2)Any express war- ranty unauthorized by you; 3)Any physical or chemical change in the product made intentionally by the vendor; 4)Repackaging,ex- cept when un- packed solely for the purpose of in- spection,demon- stration,testing,or the substitution of parts under in- structions from the manufacturer,and then repackaged in the original con- tainer; 5)Any failure to make such inspec- tions,adjustments, tests or servicing as the vendor has agreed to make or normally under- takes to make in the usual course of business,in con- nection with the distribution or sale of the products; 6)Demonstration,in- stallation, servicing or repair opera- tions,except such operations per- formed at the ven- dor’s premises in connection with the sale of the product; 7)Products which, after distribution or sale by you,have been labeled or re- labeled or used as a container,part or ingredient of any other thing or sub- stance by or for the vendor. 8)"Bodily injury"or "property damage" arising out of the sole negligence of the vendor for its own acts or omis- sions or those of its employees or anyone else acting on its behalf. However,this ex- clusion does not apply to: a)The excep- tions con- tained in Par- agraphs (c)(i) 4)or 6)of this endorsement; or b)Such inspec- tions,adjust- ments, tests or servicing as the vendor has agreed to make or nor- mally under- takes to make in the usual course of business,in connection with the distri- bution or sale of the prod- ucts. (ii)This insurance does not apply to any insured person or organization: 1)From whom you have acquired such products,or any ingredient, part or container, entering into,ac- companying or containing such products;or 2)W hen liability in- cluded within the Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 11 of 15 "products- completed opera- tions hazard"has been excluded un- der this Coverage Part with respect to such products. (d)State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorizations Relating to Premises Any state or governmental agency or subdivision or po- litical subdivision with which you have agreed per Para- graph 8.a.(1)of this en- dorsement to provide insur- ance, subject to the follow- ing additional provision: This insurance applies only with respect to the following hazards for which the state or governmental agency or subdivision or political sub- division has issued a permit or authorization in connec- tion with premises you own, rent or control and to which this insurance applies: (i)The existence,mainte- nance,repair,construc- tion,erection,or re- moval of advertising signs,awnings, cano- pies,cellar entrances, coal holes,driveways, manholes,marquees, hoist away openings, sidewalk vaults, street banners,or decorations and similar exposures; or (ii)The construction,erec- tion,or removal of ele- vators; or (iii)The ownership, maintenance,or use of any elevators covered by this insurance. (e)Mortgagee,Assignee or Receiver Any person or organization with whom you have agreed per Paragraph 8.a.(1)of this endorsement to provide in- surance,but only with re- spect to their liability as mortgagee,assignee,or re- ceiver and arising out of the ownership,maintenance,or use of the premises by you. However,this insurance does not apply to structural alterations, new construction and demolition operations performed by or for that person or organization. (3)The insurance afforded to addi- tional insureds described in Par- agraph 8.a.(1)of this endorse- ment: (a)Only applies to the extent permitted by law; and (b)Will not be broader than that which you are required by the written contract,written agreement,written permit or written authorization to pro- vide for such additional in- sured; and (c)Does not apply to any per- son,organization,vendor, state,governmental agency or subdivision or political subdivision,specifically named as an additional in- sured under any other pro- vision of,or endorsement added to,this Coverage Part,provided such other provision or endorsement covers the injury or damage for which this insurance ap- plies. b.W ith respect to the insurance afford- ed to the additional insureds de- scribed in Paragraph 8.a.(1)of this endorsement,the following is added to Section III -Limits of Insurance: The most we will pay on behalf of the additional insured is the amount of insurance: (1)Required by the written contract, written agreement,written permit or written authorization described in Paragraph 8.a.(1)of this en- dorsement;or (2)Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. c.Section IV -Commercial General Liability Conditions is amended to include the following: Automatic Additional Insured Pro- vision This insurance applies only if the "bodily injury"or "property damage" occurs,or the "personal and advertis- ing injury" offense is committed: (1)During the policy period; and Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 12 of 15 (2)Subsequent to your execution of the written contract or written agreement,or the issuance of a written permit or written authori- zation,described in Paragraph 8.a.(1). d.Section IV -Commercial General Liability Conditions is amended as follows: Condition 5.Other Insurance is amended to include: Primary and Noncontributory In- surance This insurance is primary to and will not seek contribution from any other insurance available to an additional insured per Paragraph 8.a.(1)of this endorsement provided that: (1)The additional insured is a Named Insured under such other insurance; and (2)You have agreed in writing in a contract,agreement,permit or authorization described in 8.a.(2) of this endorsement that this in- surance would be primary and would not seek contribution from any other insurance available to the additional insured. 9.Property Damage to Borrowed Equip- ment a.The following is added to Exclusion 2.j.Damage to Property under Sec- tion I -Coverage A -Bodily Injury And Property Damage Liability: Paragraphs (3)and (4)of this exclu- sion do not apply to tools or equip- ment loaned to you, provided they are not being used to perform operations at the time of loss. b.W ith respect to the insurance provid- ed by this section of the endorse- ment,the following additional provi- sions apply: (1)The Limits of Insurance shown in the Declarations are replaced by the limits designated in Section B.Limits of Insurance,9. Property Damage to Borrowed Equipment of this endorsement with respect to coverage provid- ed by this endorsement.These limits are inclusive of and not in addition to the limits being re- placed.The Limits of Insurance shown in Section B.Limits of Insurance,9.Property Damage to Borrowed Equipment of this endorsement fix the most we will pay in any one "occurrence"re- gardless of the number of: (a)Insureds; (b)Claims made or "suits" brought; or (c)Persons or organizations making claims or bringing "suits". (2)Deductible Clause (a)Our obligation to pay dam- ages on your behalf applies only to the amount of dam- ages for each "occurrence" which are in excess of the Deductible Amount stated in Section B.Limits of Insur- ance,9.Property Damage to Borrowed Equipment of this endorsement.The limits of insurance will not be re- duced by the application of such deductible amount. (b)Section IV -Commercial General Liability Condi- tions,2.Duties in the Event of Occurrence,Of- fense,Claim or Suit,ap- plies to each claim or "suit" irrespective of the amount. (c)We may pay any part or all of the deductible amount to effect settlement of any claim or "suit"and,upon no- tification of the action taken, you shall promptly reim- burse us for such part of the deductible amount as has been paid by us. 10.Employees as Insureds -Specified Health Care Services and Good Samar- itan Services Paragraph 2.a.(1)(d)under Section II - Who is an Insured does not apply to: a.Your "employees"who provide pro- fessional health care services on your behalf as a duly licensed nurse, emergency medical technician or paramedic in the jurisdiction where an "occurrence"or offense to which this insurance applies takes place; or b.Your "employees"or "volunteer workers",other than an employed or volunteer doctor,providing first aid or good samaritan services during their work hours for you will be deemed to be acting within the scope of their employment by you or performing du- ties related to the conduct of your business. 11.Broadened Notice of Occurrence Paragraph a.of Condition 2.Duties in the Event of Occurrence,Offense, Claim or Suit under Section IV -Com- mercial General Liability Conditions is replaced by the following: Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 13 of 15 a.You must see to it that we are notified as soon as practicable of an "occur- rence"or an offense which may result in a claim.To the extent possible, no- tice should include: (1)How,when and where the "oc- currence" or offense took place; (2)The names and addresses of any injured persons and wit- nesses;and (3)The nature and location of any injury or damage arising out of the "occurrence" or offense. This requirement applies only when the "occurrence"or offense is known to an "authorized representative". 12.Nonowned Aircraft The following is added to Exclusion 2.g. Aircraft,Auto or Watercraft under Sec- tion I -Coverage A -Bodily Injury and Property Damage Liability: This exclusion does not apply to an air- craft you do not own, provided that: a.The pilot in command holds a current effective certificate,issued by a duly constituted authority of the United States of America or Canada,desig- nating that person as a commercial or airline transport pilot; b.The aircraft is rented with a trained, paid crew;and c.The aircraft does not transport per- sons or cargo for a charge. 13.Bodily Injury Redefined Section V -Definitions,4."Bodily injury" is replaced by the following: 4."Bodily injury"means bodily harm or injury,sickness,disease,disability, humiliation,shock,fright,mental an- guish or mental injury,including care, loss of services or death resulting from any of these at any time. 14.Expected or Intended Injury Redefined The last sentence of Exclusion 2.a.Ex- pected or Intended Injury under Section I -Coverage A -Bodily Injury and Property Damage Liability is replaced by the following: This exclusion does not apply to "bodily injury"or "property damage"resulting from the use of reasonable force to pro- tect persons or property. 15.Former Employees as Insureds The following is added to Paragraph 2. under Section II -Who is an Insured: 2.Each of the following is also an in- sured: Any of your former "employees",di- rectors,managers,members,part- ners or "executive officers",including but not limited to retired,disabled or those on leave of absence,but only for acts within the scope of their em- ployment by you or for duties related to the conduct of your business. 16.Voluntary Property Damage Coverage a.Coverage D -Voluntary Property Damage Coverage Section I -Coverages is amended to include the following: (1)Insuring Agreement (a)We will pay the cost to re- pair or replace "property damage"to property of oth- ers arising out of operations incidental to your business when: 1)Damage is caused by you; or 2)Damage occurs while in your possession. At your written request,we will make this payment re- gardless of whether you are at fault for the "property damage". If you,at our request,re- place,or make any repairs to,damaged property of others,the amount we will pay under Voluntary Prop- erty Damage Coverage will be determined by your actu- al cost to replace or repair the damaged property,ex- cluding any profit or over- head. Any payment we make un- der Voluntary Property Damage Coverage shall not be interpreted as an admission of liability by you or by us. (b)This insurance applies to "property damage" only if: 1)The "property damage" takes place in the "cov- erage territory"; and 2)The "property damage" occurs during the policy period. (2)Exclusions This insurance does not apply to "property damage" that would be excluded by Coverage A -Bodi- ly Injury and Property Damage Liability,2.Exclusions,except for j.Damage to Property,par- agraphs (3),(4),(5)and (6),k. Damage to Your Product,and l. Damage to Your Work. (3)Definitions For purposes of Voluntary Property Damage Coverage only, the following definitions un- Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 14 of 15 der Section V -Definitions are replaced by the following: 16."Occurrence"means an in- cident,including continuous or repeated exposure to substantially the same gen- eral harmful conditions that result in "property damage". 20."Property damage"means physical injury to tangible property. "Electronic data"is not tangible property,and "property damage"does not include disappearance,ab- straction or theft. b.Care,Custody or Control Liability Coverage For purposes of the coverage provid- ed by Care,Custody or Control Li- ability Coverage in this endorse- ment only: (1)Section I -Coverage A -Bodily Injury and Property Damage Liability,2.Exclusions,j. Damage to Property,Subpara- graphs (3),(4)and (5)do not apply to "property damage"to the property of others described therein. (2)"Property damage"for which Care,Custody or Control Lia- bility Coverage provides cover- age shall be deemed to be caused by an "occurrence"but shall not serve to limit or restrict the applicability of any exclusion for "property damage"under this Coverage Part. c.Limits of Insurance and Deducti- bles For purposes of the coverage provid- ed by Voluntary Property Damage Coverage and Care,Custody or Control Liability Coverage,Section III -Limits of Insurance is amended to include the following: (1)The Limits of Insurance shown in the Declarations are replaced by the limits designated in Section B.Limits of Insurance,16. Voluntary Property Damage Coverage and Care,Custody or Control Liability Coverage, in this endorsement. These limits are inclusive of,and not in addi- tion to,the limits being replaced. The Limits of Insurance shown in the Schedule fix the most we will pay regardless of the number of: (a)Insureds; (b)Claims made or "suits" brought; or (c)Persons or organizations making claims or bringing "suits". (2) (a) Subject to (3)below,the Voluntary Property Dam- age Coverage,Each Occur- rence Limit Of Insurance is the most we will pay for the sum of damages under Vol- untary Property Damage Coverage; (b)The Care,Custody or Con- trol Liability Coverage, Each Occurrence Limit Of Insurance is the most we will pay for the sum of dam- ages under Care,Custody or Control Liability Cover- age; because of all "property dam- age"arising out of any one "oc- currence". (3)The Voluntary Property Dam- age Coverage,Aggregate Limit Of Insurance is the most we will pay for the sum of all damages under Voluntary Property Damage Coverage.This limit applies separately to each "cov- erage term". (4)Deductible Clause (a)Our obligation to pay dam- ages on your behalf applies only to the amount of dam- ages for each "occurrence" which are in excess of the Deductible Amount stated for the applicable coverage in the Schedule.The limits of insurance will not be re- duced by the application of such Deductible Amount. (b)Section IV -Commercial General Liability Condi- tions,2.Duties in the Event of Occurrence,Of- fense,Claim or Suit,ap- plies to each claim or "suit" irrespective of the amount. (c)We may pay any part or all of the Deductible Amount to effect settlement of any claim or "suit"and,upon no- tification of the action taken, you shall promptly reim- burse us for such part of the Deductible Amount as has been paid by us. 17.Broadened Contractual Liability -Work Within 50’ of Railroad Property Section V -Definitions,12."Insured contract" is amended as follows: a.Paragraph c.is replaced by the fol- lowing: c.Any easement or license agree- ment; b.Paragraph f.(1)is deleted in its en- tirety. Includes copyrighted material of Insurance GA 233 NY 10 20 Services Office, Inc., with its permission.Page 15 of 15 18.Alienated Premises Exclusion 2.j.Damage to Property, Paragraph (2)under Section I -Cover- age A -Bodily Injury and Property Damage Liability does not apply if the premises are "your work". Includes copyrighted material of ISO AA 288 01 16 Properties, Inc., with its permission.Page 1 of 4 THIS ENDORSEMENT CHANGES THE POLICY. PLE ASE READ IT CAREFULLY. CinciPlus® BUSINESS AUTO XC+® (EXPANDED COVERAGE PLUS) ENDORSEMENT This endorsement modifies insurance provided by the following: BUSINESS AUTO COVERAGE FORM With respect to the coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by this endorsement. A.Blanket Waiver of Subrogation SECTION IV -BUSINESS AUTO CONDI- TIONS, A. Lo ss Condition s, 5. Transfer of Rights of Recovery Against Others to Us is amended by the addition of the following: We waive any right of recovery we may have against any person or organization because of payments we make for "bodily injury"or "property damage"arising out of the operation of a covered "auto"when you have assumed liability for such "bodily injury"or "property damage"under an "insured contract", provid- ed the "bodily injury"or "property damage"oc- curs subsequent to the execution or the "in- sured contract". B.Noncontributory Insurance SECTION IV -BUSINESS AUTO CONDI- TIONS, B. General Conditions, 5. Other In- surance c.is replaced by the following: c.Regardless of the provisions of Par- agraph a.above,this Coverage Form's Liability Coverage is primary and we will not seek contribution from any other insurance for any lia- bility assumed under an "insured contract"that requires liability to be assumed on a primary noncontributo- ry basis. C.Additional Insured by Contract SECTION II -LIABILITY COVERAGE,A. Coverage, I. Who is an Insured is amended to include as an insured any person or organi- zation with which you have agreed in a valid written contract to provide insurance as is af- forded by this policy. This provision is limited to the scope of the valid written contract. This provision does not apply unless the valid written contract has been: 1.Executed prior to the accident causing "bodily injury"or "property damage"; and 2.Is still in force at the time of the "accident" causing "bodily injury"or "property dam- age". D.Employee Hired Auto 1.Changes in Liability Coverage The following is added to the Section II - Liability Coverage, A.Coverage, 1. Who is an Insured: An "employee"of yours is an "insured" while operating an "auto"hired or rented under a contract or agreement in that "employee's"name, with your permission, while performing duties related to the conduct of your business. 2.Changes in General Conditions SECTION IV -BUSINESS AUTO CON- DITIONS, B. General Co nditions, 5. Other Insurance is amended b y repla c- ing Paragraph 5.b.with the following: b.For Hired Auto Physical Damage Coverage the following are deemed to be covered "autos"you own: (1)Any covered "auto"you l ease, hire, rent or borrow; and (2)Any covered "auto"hired or rented by your "employee"under a contract in that individual "em- ployee's"name, with your per- mission,while performing duties related to the conduct of your business. Includes copyrighted material of ISO AA 288 01 16 Properties, Inc., with its permission.Page 2 of 4 However, any "auto"that is leased, hired,rented or borrowed with a driver is not a covered "auto". E.Audio, Visual and Data Electron ic Equip- ment SECTION III -PHYSICAL DAMAGE COV- ERAGE, C. Limit of Insurance is amended by adding the following: 4.The most we will pay for all "loss"to au- dio, visual or data electronic equipment and any accessories used with this equipment as a result of any one "acci- dent"is the lesser of: a.The actual cash value of the dam- aged or stolen property as of the time of the "accident"; b.The cost of repairing or replacing the damaged or stolen property with oth- er property of like kind and quality; or c.$2,500. Provided the equipment, at the time of the "loss"is: a.Permanently installed in or upon the covered "auto"in a housing, opening or other location that is not normally used by the "auto"manufacturer for the installation of such equipment; b.Removable from a permanently in- stalled housing unit as described in Paragraph 2.a.above; or c.An integral part of such equipment. F.Who is an Insured -Amended SECTION II -LIABILITY COVERAGE,A. Coverage, 1. Who is an Insured is amended by adding the following: The following are "insureds": 1.Any subsidiary which is a legally incorpo- rated entity of which you own a financial interest of more than 50% of the voting stock on the effective date of this cover- age form. However, the insurance afforded by this provision does not apply to any subsidiary that is an "insured"under any other au- tomobile liability policy, or would be an "insured"under such policy but for termi- nation of such policy or the exhaustion of such policy's limits of insurance. 2.Any organization that is newly acquired or formed by you and over which you main- tain majority ownership.The insurance provided by this provision: a.Is effective on the date of acquisition or formation, and is afforded for 180 days after such date; b.Does not apply to "bodily injury"or "property damage"resulting from an "accident"that occurred before you acquired or formed the organization; c.Does not apply to any newly acquired or formed organization that is a joint venture or partnership; and d.Does not apply to an insured under any other automobile liability policy, or would be an insured under such a policy but for the termination of such policy or the exhaustion of such poli- cy's limits of insurance. 3.Any of your "employees"while using a covered "auto "in your business or your personal affairs, provided you do not own, hire or borrow that "auto". G.Liability Coverage Extensions -Supple- mentary Payments -Higher Limits SECTION II -LIABILITY COVERAGE,A. Coverage, 2. Coverage Extensions,a. Sup- plementary Payments is amended by: 1.Replacing the $2,000 Limit of Insurance for bail bonds with $4,000 in (2); and 2.Replacing the $250 Limit of Insurance for reasonable expenses with $500 in (4). H.Amended Fellow Employee Exclusion SECTION II -LIABILITY COVERAGE,B. Ex- clusions,5. Fellow Employee is modified as follows: Exclusion 5. Fellow Employee is deleted. I.Hired Auto -Physical Damage If hired "autos"are covered "autos"for Liability Coverage, then Comprehensive and Collision Physical Damage Coverages as provided un- der SECTION III -PHYSICAL DAMAGE COVERAGE of this Coverage Part are ex- tended to "autos"you hire, subject to the fol- lowing: 1.The m ost we will pay for "loss "to any hired "auto"is $50,000 or the actual cash value or cost to repair or replace, which- ever is the least, minus a deductible. 2.The deductible will be equal to the largest deductible applicable to any owned "auto" for that coverage, or $1,000, whichever is less. 3.Hired Auto -Physical Damage coverage is excess over any other collectible insur- ance. Includes copyrighted material of ISO AA 288 01 16 Properties, Inc., with its permission.Page 3 of 4 4.Subject to the above limit, deductible, and excess provisions we will provide cover- age equal to the broadest coverage appli- cable to any covered "auto"you own i n- sured under this policy. Coverage includes loss of use of that hired au- to, provided it results from an "accident"for which you are legally liable and as a result of which a m onetary loss is sustained by the leasing or rental concern. The most we will pay for any one "accident"is $3,000. If a limit for Hired Auto -Physical Damage is shown in the Schedule, then that limit replac- es, and is not added to, the $50,000 limit indi- cated above. J.Rental Reimbursement SECTION III -PHYSICAL DAMAGE is amended by adding the following: 1.We will pay for rental reimbursement ex- penses incurred by you for the rental of an "auto"because of a "loss "to a covered "auto". Payment applies in addition to the otherwise applicable amount of each cov- erage you have on a covered "auto". No deductible applies to this coverage. 2.We will pay only for those expenses in- curred during the policy period beginning 24 hours after the "loss"and ending, re- gardless of the policy's expiration, with the lesser of the following number of days: a.The number of days reasonably re- quired to repair the covered "auto". If "loss"is caused by theft,this number of days is added to the number of days it takes to locate the covered "auto"and return it to you; or b.30 days. 3.Our payment is limited to the lesser of the following amounts: a.Necessary and actual expenses in- curred; or b.$50 per day. 4.This coverage does not apply while there are spare or reserve "autos"available to you for your operations. 5.We will pay under this coverage only that amount of your rental reimbursement ex- penses which is not already provided for under SECTION III -PHYSICAL DAM- AGE CO VERAGE,A. Coverage, 4. Coverage Extensions. K.Transportation Expense -Higher Limits SECTION III -PHYSICAL DAMAGE COV- ERAGE, A.Co verage, 4. Coverage Exten- sions is amended by replacing $20 per day with $50 per da y, and $600 maximum with $1,500 maxim um in Extension a. Transpor- tation Expenses. L.Airbag Coverage SECTION III -PHYSICAL DAMAGE COV- ERAGE, B. Exclusions, 3.a.is amended by adding the following: However, the mechanical and electrical breakdown portion of this exclusion does not apply to the accidental discharge of an airbag. This coverage for airbags is excess over any other collectible insurance or warranty. M.Loan or Lease Gap Coverage 1.SECTION III -PHYSICAL DAMAGE COVERAGE, C.Limit of Insurance is deleted in its entirety and replaced by the following, but only for private passenger type "autos"with an original loan or lease, and only in the event of a "total loss "to such a private passenger type "auto": a.The most we will pay for "loss"in any one "accident"is the greater of: (1)The amount due under the terms of the lease or loan to which your covered private passenger type "auto"is subject, but will not include: (a)Overdue lease or loan pay- ments; (b)Financial penalties imposed under the lease due to high mileage, excessive use or abnormal wear and tear; (c)Security deposits not re- funded by the lessor; (d)Costs for extended warran- ties, Credit Life Insurance, Health, Accident or Disabil- ity Insurance purchased with the loan or lease; and (e)Carry-over balances from previous loans or leases, or (2)Actual cash value of the stolen or damaged property. b.An adjustment for depreciation and physical condition will be made in d e- termining actual cash value at the time of "loss ". Includes copyrighted material of ISO AA 288 01 16 Properties, Inc., with its permission.Page 4 of 4 2.SECTION V -DEFINITIONS is amended by adding the following, but only for the purposes of this Loan or Lease Gap Coverage: "Total loss"means a "loss"in which the cost of repairs plus the salvage value ex- ceeds the actual cash value. N.Glass Repair -Waiver of Deductible SECTION III -PHYSICAL DAMAGE COV- ERAGE, D. Deductible is amended by adding the following: No deductible applies to glass damage if the glass is repaired in a manner acceptable to us rather than replaced. O.Duties in the Event o f an Accident, Claim, Suit or Loss -Amend ed SECTION IV -BUSINESS AUTO CONDI- TIONS, A. Loss Conditions, 2. Duties in the Event of Accident, Claim, Suit or Loss, a.is amended by adding the following: This condition applies only when the "acci- dent"or "loss"is known to: 1.You, if you are an individual; 2.A partner, if you are a partnership; 3.An executive officer or insurance manag- er, if you are a corporation; or 4.A member or manager,if you are a lim- ited liability company. P.Unintentional Failure to Disclose Hazards SECTION IV -BUSINESS AUTO CONDI- TIONS, B.General Conditions, 2. Conceal- ment, Misrepresentation or Fraud is amended by adding the following: However, if you unintentionally fail to disclose any hazards existing on the effective date of this Coverage Form, we will not deny cover- age under this Coverage Form because of such failure. Q.Mental Anguish Resulting from Bod ily Inju- ry SECTION V -DEFINITIONS, C. "Bodily inju- ry"is deleted in its entirety and replaced by the following: "Bodily injury"means bodily injury, sickness or disease sustained by a person, including men- tal anguish and death sustained by the same person that results from such bodily injury, sickness or disease. "Bodily injury"does not include mental anguish or death that does not result from bodily injury, sickness or disease. R.Coverage for Certain Op erations in Con- nection with Railroads With respect to the use of a covered "auto"in operations for or affecting a railroad: 1.Section V -Definition s, H."Insured con- tract", 1.c.is amended to read: c.An easement or license agreement; 2.Section V -Definition s, H. "Insured con- tract",2.a.is deleted. 04/01/2023 Pyramid Network Services,LLC CERTIFICATE OF NYS WORKERS' COMPENSATION INSURANCE COVERAGE 1a. Legal Name & Address of Insured (use street address only) Work Location of Insured (Only required if coverage is specifically limited to certain locations in New York State, i.e., a Wrap-Up Policy) 1b. Business Telephone Number of Insured 1c. NYS Unemployment Insurance Employer Registration Number of Insured 1d. Federal Employer Identification Number of Insured or Social Security Number 2. Name and Address of Entity Requesting Proof of Coverage (Entity Being Listed as the Certificate Holder) 3a. Name of Insurance Carrier 3b. Policy Number of Entity Listed in Box "1a" 3c. Policy effective period to 3d. The Proprietor, Partners or Executive Officers are included. (Only check box if all partners/officers included) all excluded or certain partners/officers excluded. This certifies that the insurance carrier indicated above in box “3" insures the business referenced above in box “1a” for workers' compensation under the New York State Workers' Compensation Law. (To use this form, New York (NY) must be listed under Item 3A on the INFORMATION PAGE of the workers' compensation insurance policy). The Insurance Carrier or its licensed agent will send this Certificate of Insurance to the entity listed above as the certificate holder in box “2". This certificate is issued as a matter of information only and confers no rights upon the certificate holder. This certificate does not amend, extend or alter the coverage afforded by the policy listed, nor does it confer any rights or responsibilities beyond those contained in the referenced policy. This certificate may be used as evidence of a Workers' Compensation contract of insurance only while the underlying policy is in effect. Please Note: Upon cancellation of the workers' compensation policy indicated on this form, if the business continues to be named on a permit, license or contract issued by a certificate holder, the business must provide that certificate holder with a new Certificate of Workers' Compensation Coverage or other authorized proof that the business is complying with the mandatory coverage requirements of the New York State Workers' Compensation Law. Under penalty of perjury, I certify that I am an authorized representative or licensed agent of the insurance carrier referenced above and that the named insured has the coverage as depicted on this form. Approved by: (Print name of authorized representative or licensed agent of insurance carrier) Approved by: (Signature)(Date) Title: Telephone Number of authorized representative or licensed agent of insurance carrier: Please Note: Only insurance carriers and their licensed agents are authorized to issue Form C-105.2. Insurance brokers are NOT authorized to issue it. C-105.2 (9-15) www.wcb.ny.gov Will the carrier notify the certificate holder within 10 days of a policy being cancelled for non-payment of premium or within 30 days if cancelled for any other reason or if the insured is otherwise eliminated from the coverage indicated on this certificate prior to the end of the policy effective period? YES NO X 315-445-2424PyramidNetworkServicesLLC 6615 Towpath Road East Syracuse,NY 13057 16-1592709 City of Northampton 212 Mains St Northampton MA 01060 Cincinnati Casualty Company EWC0530375 4/1/2023 4/1/2024 X James D.Freyer,Jr 4/26/2023 CEO 315-451-1500 Workers' Compensation Law Section 57. Restriction on issue of permits and the entering into contracts unless compensation is secured. 1. The head of a state or municipal department, board, commission or office authorized or required by law to issue any permit for or in connection with any work involving the employment of employees in a hazardous employment defined by this chapter, and notwithstanding any general or special statute requiring or authorizing the issue of such permits, shall not issue such permit unless proof duly subscribed by an insurance carrier is produced in a form satisfactory to the chair, that compensation for all employees has been secured as provided by this chapter. Nothing herein, however, shall be construed as creating any liability on the part of such state or municipal department, board, commission or office to pay any compensation to any such employee if so employed. 2. The head of a state or municipal department, board, commission or office authorized or required by law to enter into any contract for or in connection with any work involving the employment of employees in a hazardous employment defined by this chapter, notwithstanding any general or special statute requiring or authorizing any such contract, shall not enter into any such contract unless proof duly subs cribed by an insurance carrier is produced in a form satisfactory to the chair, that com pensation for all employees has been secured as provided by this chapter. C-105.2 (9-15) REVERSE