**ZURICH INSURANCE COMPANY**

**GENERAL—AUTOMOBILE LIABILITY POLICY**

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

**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, all costs taxed against the insured in any action brought by the company and all interest on the entire amount of any judgment thereon which accrues after entry of the judgment and before the company has paid or tendered the cost of the part of the judgment which does not exceed the limits of the company's liability 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 because of accident or traffic-law violation arising out of the use of any vehicle to which this policy applies, not to exceed $250 per bail bond, but the company shall have no obligation to apply for or furnish any such bonds.
(c) expenses incurred by the insured for first aid to others at the time of an accident, for bodily injury to which this policy applies.
(d) reasonable expenses incurred by the insured at the company's request, including actual loss of wages or salary (but not loss of other income) not to exceed $25 per day because of his attendance at hearings or trials at such request.

**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 not including a 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 to any other property at any time resulting from collapse. "Structural property damage" means direct physical destruction or structural injury to any building or structure, including grading of land, excavating, borrowing, filling, back-filling, tunnelling, pile driving, cofferdam work or caisson work or (1) mounding, shoring, underpinning, raising or demolition of any building or structure, removal or rebuilding of any portion 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 (3) arising out of a hazard 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 statement made at any time with respect thereto, but only if such bodily injury or property damage occurs after availability of the property is completed or abandoned and occurs away from premises owned by or rented to the named insured. "Operations" include materials, parts or equipment furnished in connection therewith. Operations shall be deemed completed when all operations to be performed by or on behalf of the named insured under the contract 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

**Johnson & Higgins**

**Z 007087**