**Endorsement #4**

**Policy No:** 8506175  
**Effective Date:** [Not specified]  
**Agency No:** [Not specified]  
**Add'l Premium:** $ [Not specified]  
**Return Premium:** $ [Not specified]

**Named Insured:**

This endorsement is issued by the company named below, which is the insurer under the policy designated above, issued to the Named Insured and forms a part of said policy as of the effective date hereof, at the hour stated in the policy Declarations.

**(E) Any obligation for which the insured or any carrier as his insurer may be held liable under any workmen's compensation, unemployment compensation or disability benefits law or under similar law.**

**(F) The ownership, maintenance, use, loading or unloading of any motor vehicle, trailer, semi-trailer, watercraft or aircraft.**

The exclusions of the policy do not apply to this endorsement.

**Conditions**

(1) Such insurance as is afforded by this endorsement shall be excess insurance over any valid and collectible insurance available to the insured.

(2) Limits of Liability: The limit of liability stated below as applicable to "each person" is the limit of the company's liability hereunder for all damages on account of injury sustained by one person, and the limit of liability stated below as "aggregate" is, subject to the above provision respecting each person, the total limit of the company's liability hereunder for all damages. The foregoing limits apply to all damages covered by this endorsement, whether or not the policy applies to such damages in the absence thereof, and the limits stated in the declarations do not apply to such damages.

**Limits of Liability:**

- $500,000 Each Person
- $1,000,000 Aggregate

**Zurich Insurance Company**
**American Guarantee and Liability Insurance Company**

**Countersigned:**
**Victor P. Vigg**
**Attorney in Fact**

**Form 116-G**
**199 M. 12-84**
**100 DM**

**United States Manager (Zurich)**
**President (American Guarantee)**
**T. O. C. Caldwell**
**Secretary (American Guarantee)**
**Z 006935**