# Zurich Insurance Company
American Guarantee and Liability Insurance Company

**231 North Martingale Road**
**Schaumburg, Illinois 60196**

## General Automobile Liability Policy

### 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**

- **Automobile**: means a land motor vehicle, trailer or semi-trailer designed for travel on public roads (including any machinery or apparatus attached thereto), but does not include mobile equipment.
- **Bodily Injury**: means bodily injury, sickness or disease sustained by any person who occurs during the policy period, including death at any time resulting therefrom.
- **Collapse Hazard**: includes "structural property damage" as defined herein and property damage to any other property at any time resulting therefrom, caused by collapse of land, excavating, borrowing, filling, backfilling, leveling, pile driving, cofferdam work or caisson work or (2) raising, shifting, lowering or lowering of structural support thereof. The collapse hazard does not include property damage: (1) arising out of operations performed for the named insured by third-party contractors; or (2) included within the completed operations hazard or underground or aboveground storage tank hazard; or (3) for which liability is assumed under an incident contract.
- **Completed Operations Hazard**: includes bodily injury and property damage arising out of operations or reliance upon a representation or warranty made at any time before or after such operations have been completed or abandoned and occurs away from premises owned or rented to the named insured. "Operations" include materials, parts, equipment furnished herewith. Operations shall be deemed complete at the earliest of the following times:
  - When all operations to be performed by or on behalf of the named insured under the contract have been completed.
  - When all operations to be performed by or on behalf of the named insured at the site of the operations have been completed.
  - When the portion of the work out of which the injury or damage arises has been placed or used by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project.
  - Operations which may require further service or maintenance work, or correction of defects, because 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 in or on a vehicle created by the use or unloading thereof.
  - The existence of tools, unfinished equipment or abandoned or unused materials.

**Named Insured**: means the person or organization named in Item 1 of the declarations of this policy.

**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 containers thereof 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.

MM 009671