**WORKERS' COMPENSATION PROSPECTIVE COVERAGE ENDORSEMENT**

It is hereby agreed that the exclusion in Section IV.B of the Policy insofar as it relates to any obligation for which the Insured may be held liable under any Workers' Compensation law shall not apply as respects operations in those States where the Insured is a qualified Workers' Compensation self-insurer.

The additional coverage afforded by this Endorsement shall be effective as of the Effective Date listed above, and the Inception Date shall be the Effective Date shown above (and no Retroactive Coverage Date shall apply) to determine whether or not there is an Occurrence within the additional coverage extended by this Endorsement. Nothing in this Endorsement shall limit coverage as to any Occurrence for which there is coverage independently of this Endorsement.

**X.L. INSURANCE COMPANY, LTD.**

By: **LYLE MCCOY**

Title: **VICE PRESIDENT**

Date: **DECEMBER 17, 1996**

Ref: **XS4-097.01**

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