# Zurich Insurance Company
American Guarantee And Liability Insurance Company

231 NORTH MARTINGALE ROAD
SCHAUMBURG, ILLINOIS 60196

## POLICY PROVISIONS — PART A

### THE COMPANY DESIGNATED ON THE DECLARATIONS PAGE
(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:

#### DEFINITIONS
(c) operations for which the classification stated in the policy or in the company's manual specifies "including completed operations";
(elevator" means any hoisting or lowering device to connect floors or landings, whether or not in service, and all appliances thereof including any car, platform, shaft, hoistway, stairway, runway, power equipment and machinery, but does not include an automatic servicing device, a hand-operated platform, a bucket or a bucket of a mobile material handling power or if attached to building walls, or a hod or material hoist used exclusively for carrying property or a dumbwaiter used exclusively for carrying property and having a compartment height not exceeding four feet;
(explosion hazard" includes property damage arising out of blasting or explosion. The explosion hazard does not include property damage (1) arising out of the explosion of air or steam vessels, piping under pressure, prime movers, machinery or power transmitting equipment, or (2) arising out of operations performed for the named insured by independent contractors; or (3) included within the completed operations hazard or the underground property damage hazard, or (4) for which liability is assumed by the insured under an incidental contract;
(incidental contract" means any written (1) lease of premises, (2) easement agreement, except in connection with construction or demolition operations on or adjacent to a railroad, (3) undertaking to indemnify a municipality required by municipal ordinance, except in connection with the municipality, (4) side track agreement, or (5) elevator maintenance agreement.
(insured" means any person or organization qualifying as an insured in the "Persons Insured" provision of the applicable insurance coverage. The insurance afforded applies separately and independently against whom claims are made or suit is brought, except with respect to the limits of the company's liability;
(mobile equipment" means a land vehicle (including any machinery or apparatus attached thereto), whether or not self-propelled, (1) not subject to motor vehicle registration, or (2) maintained for use exclusively on premises owned by or rented to the named insured, including the ways immediately adjoining, or (3) designed for use principally on public roads, or (4) designed or maintained for the sole purpose of loading or unloading cargo, or (5) designed or maintained as an integral part of or permanently attached to such vehicle: power cranes, shovels, loaders, diggers and drills, concrete mixers (other than the mix-in-transit type); graders, scrapers, rollers and other road construction or repair equipment; air compressors, pumps and generators, including spraying, welding and building cleaning equipment, and geophysical exploration and well servicing equipment;
(named insured's products" means goods or products manufactured, sold, handled or distributed by the named insured or by others trading under his name, including any contra-therof therefrom other than a vehicle, but "named insured's products" shall not include a vending machine or any property other than such container, rented to or located for use of others but not sold.

Changes in the named insured or know ledge conveyed by any agent or broker to the company or its representatives is without effect unless in writing of the company or its representative. Any assignment of interest under this policy shall not bind the company unless in writing of the company or its representative.