**ZURICH INSURANCE COMPANY**

**GENERAL—AUTOMOBILE LIABILITY POLICY**

PLEASE READ THIS POLICY—GIVE NOTICE OF LOSS OR DAMAGE AS SOON AS PRACTICABLE

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**ZURICH INSURANCE COMPANY**

CHICAGO, ILLINOIS

(A stock insurance company, herein called the company)

In consideration of the payment of the premium in reliance upon the statements in the declarations made a part hereof and subject to all of the terms of this policy, agrees with the named insured as follows:

### Supplementary Payments

The company will pay, in addition to the applicable limit of liability:
(a) all expenses incurred by the company, at costs taxed against the insured in any suit defended by the company and all interest on the entire amount of any judgment therein which accrues after entry of the judgment and before the company has paid or tendered a deposit in court to secure the judgment which does not exceed the limit of the company's risk as its thereon.
(b) premiums on appeal bonds required in any such suit, premiums on bonds to release attachments in any such suit for an amount not in excess of the applicable limit of liability of this policy, and the cost of bail bonds required of the insured.

### Definitions

When used in this policy (including endorsements forming a part hereof):
- "automobile" means a land motor vehicle, trailer or semitrailer designed for travel on public roads (including any machinery or apparatus attached thereto), but does not include mobile equipment.
- "bodily injury" means bodily injury, sickness or disease sustained by any person.
- "collapse hazard" includes "structural property damage" as defined herein and property damage resulting from collapse thereof. Structural property damage means the collapse of or structural injury to any building or structure due to (1) grading of land, excavating, borrowing, filling, back-filling, tunnelling, pile driving, cofferdam work, or caisson work; (2) moving, removing, underpinning, or alteration of any portion of a structure; removal or demolition of any structural support thereof. The collapse hazard does not include property damage (1) arising out of operations performed for the named insured by independent contractors, or (2) included within the completed operations hazard or the collapse hazard, or (3) for which liability is assumed by the insured under an incidental contract.
- "completed operations hazard" includes bodily injury and property damage arising out of operations or reliance upon a representation or warranty made at any time with respect thereto, but only if the bodily injury or property damage occurs during such operations or reliance. Completed operations include materials, parts or equipment furnished in connection therewith. Operations shall be deemed completed at the earliest of the following times:
  1. When all operations have been completed.
  2. When all operations to be performed by or on behalf of the named insured at the site of the operations have been completed, or
  3. When the portion of the work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project.
- Operations which may require further service or maintenance work, or correction, repair or replacement because of any defect or deficiency, but which are otherwise complete, shall be deemed completed.
- The completed operations hazard does not include bodily injury or property damage arising out of:
  1. Operations in connection with the transportation of property, unless the bodily injury or property damage arises out of a condition in or on a vehicle created by the loading or unloading of the property.
  2. The existence of tools, uninstalled equipment or abandoned or unused materials, or
  3. Operations for which the classification stated in the policy or in the company's manual specifies "include completed operations".
- "Damage" includes damages for death and for care and loss of services resulting from bodily injury and damages for loss of use of property resulting from property damage.
- "Elevator" means any hoisting or lowering device to connect floors or landings, whether in use or not in service, and all appliances thereof including any car, platform, shaft, hoistway, pit, machine room, control equipment and accessory, but it does not include an automobile servicing hoist, or a hoist without a hoistway, or a loading lift without mechanical power or if not attached to building walls, or a load or material hoist used in alteration, construction or demolition operations, or a vertical control used exclusively for carrying property or a dumbwaiter used exclusively for carrying property and having a compartment height not exceeding four feet.

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**IBM 062347**