# Zurich Insurance Company

## American Guarantee and Liability Insurance Company

**111 West Jackson Boulevard**
**Chicago, Illinois 60604**

## Policy Provisions - Part A

### The Company Designated on the Declarations Page

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

#### Definitions

- **"Automobile"**: 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.
- **"Collapse hazard"**: Includes "structural property damage" defined herein and property damage to any other property or any time existing thereon. "Structural property damage" means the collapse of or structural injury to any building or structure due to (A) grading of land, excavating, borrowing, filling, back-filling, underpinning, raising or demolition of any building or structure or removal of any building or structural support thereof. The collapse hazard does not include property damage caused by (1) wiring, plumbing, heating, air conditioning, or independent contractors, or (2) included within the completed operations hazard or the underground property damage hazard, or (3) for which liability is assumed by the named insured under a Certificate of Insurance.
- **"Completed operations hazard"**: Includes bodily injury and property damage arising out of operations or reference upon representation or warranty made at any time with respect to the operations. The operations shall be deemed completed when such operations have been completed or abandoned and occurs away from premises owned by or rented to the named insured. "Operations" include materials, parts of materials, tools, equipment, and supplies used in the operations. Operations shall be deemed completed at the earliest of the following times:
  1. When all operations to be performed by or on behalf of the named insured under the policy 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.
  3. When the portion of the work out of which the injury or damage arises has been completed by the named insured or a person or organization other than another contractor engaged in performing operations for a principal as a part of the same project.
- **"Operations which may require further service of maintenance work, correction, testing, adjustment, or inspection 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 operations in connection with the transportation of property, unless the bodily injury or property damage arises out of a condition on or on a vehicle created by the loading or unloading thereof."**
- **"The existence of tools, unfinished equipment or abandoned or unused materials, or"**

**Policy Provisions - Part B**

**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 made part hereof and subject to all of the terms of this policy, the company agrees with the named insured as follows:

#### Definitions

- **"Insured contract"**: Means any written (1) lease of premises, (2) agreement, except in connection with construction or demolition operations, or (3) contract, including any amendment, renewal, extension, or modification thereof, with respect to the construction, alteration, repair, or maintenance of any building or structure, or the erection, installation, alteration, repair, or maintenance of any equipment, machinery, or appurtenances thereon, or (4) municipal ordinance, except in connection with work for the municipality, subcontract agreement, or (5) elevator maintenance agreement.
- **"Insured"**: Means any person or organization who is an insured in the "First named insured" provision of the applicable insurance coverage. The insurance applies separately to each insured whose claim is made or still pending at the time of the effective date of this policy.
- **"Mobile equipment"**: Means a land vehicle (including any machinery or apparatus attached thereto), whether or not self-propelled, (1) not subject to motor vehicle laws, (2) not required to be registered or licensed, (3) not owned by or rented to the named insured, including the ways immediately adjacent, or (4) designed or maintained for use principally on public roads, or (5) designed or maintained for the sole purpose of being used in connection with the named insured's products. "Mobile equipment" includes a vending machine or any property other than such container, raised or located for use of others but not for sale.

**Policy Provisions - Part C**

**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 made part hereof and subject to all of the terms of this policy, the company agrees with the named insured as follows:

#### Definitions

- **"Named insured's products"**: Means goods, merchandise, wares, goods sold, handcrafted items, or other articles manufactured or produced by or for the named insured, including any such articles which are damaged, defective, or otherwise unsatisfactory and which are caused to be thrown away, discarded, or otherwise disposed of by the named insured. "Named insured's products" does not include a vending machine or any property other than such container, raised or located for use of others but not for sale.