# CHUBB Enhanced Commercial Umbrella Liability Policy

## Vehicles Covered

1. Vehicles maintained for use solely on or next to premises you own or rent;
2. Vehicles that travel on crawler treads;
3. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted:
   - Power cranes, shovels, loaders, diggers or drills; or
   - Road construction or resurfacing equipment such as graders, scrapers or rollers;
4. Vehicles not described in 1., 2., 3. or 4. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types:
   - Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or
   - Cherry pickers and similar devices used to raise or lower workers;
5. Vehicles not described in 1., 2., 3. or 4. above maintained primarily for purposes other than the transportation of persons or cargo.

However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos":
- Equipment designed primarily for:
  1. Snow removal;
  2. Road maintenance, but not construction or resurfacing; or
  3. Street cleaning;
- Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and
- Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment.

However, "mobile equipment" does not include any land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered "autos".

## Named Insured

- The Named Insured shown in the Declarations;
- As of the inception date of this policy:
  - Any organization, other than a partnership, joint venture, or limited liability company, in which the first "Named Insured" shown in the Declarations maintains, either directly or indirectly, more than a fifty percent (50%) ownership interest;
  - Any limited liability company in which a one hundred percent (100%) ownership interest is maintained by any combination of "Named Insureds" qualifying under 1. or 2.a. above;
- After the inception date of this policy:
  - Any newly formed organization in which the first "Named Insured" shown in the Declarations maintains, either directly or indirectly, a one hundred percent (100%) ownership interest and that is solely comprised of assets owned prior to the inception date by any combination of "Named Insureds" identified in paragraphs 1., 2.a., or 2.b. of the definition of "Named Insured"; and