Karzan & Associates Inc. 12/11/2020

COMMERCIAL GENERAL LIABILITY 3. This Provision J.does not apply on any basis hod,whichever is earlier. Any such newly ac- to any person or organization for which coy- quired or formed organization that you report erage as an additional insured specifically is in writing to us within 180 days after you ac- added by another endorsement to this Cover- quire or form the organization will be covered age Part. under this provision until the end of the policy K. ADDITIONAL INSURED — STATE OR POLITI- period, even if there are more than 180 days CAL SUBDIVISIONS—PERMITS RELATING TO remaining until the end of the policy period, PREMISES N. INJURY TO CO-EMPLOYEES AND CO- The following is added to SECTION II —WHO IS VOLUNTEER WORKERS AN INSURED: The following is added to SECTION II —WHO IS Any state or political subdivision that has issued a AN INSURED: permit in connection with premises owned or oc- 1. Your "employees" are insureds with respect copied by, or rented or loaned to, you, is an in- to "bodily injury" to a co-"employee" in the sured, but only with respect to "bodily injury', course of the co-"employee's" employment by "property damage", "personal injury" or "adverts- you, or to your"volunteer workers" while per- ing injury"arising out of the existence, ownership, forming duties related to the conduct of your use, maintenance, repair, construction, erection business, provided that this coverage for your or removal of advertising signs, awnings, cano- "employees" does not apply to acts outside pies, cellar entrances, coal holes, driveways, the scope of their employment by you or while manholes, marquees, hoist away openings, side- performing duties unrelated to the conduct of walk vaults, elevators, street banners or decora- your business. tions for which that state or political subdivision 2. Your "volunteer workers" are insureds with has issued such permit. respect to "bodily injury" to a co"volunteer L. ADDITIONAL INSURED — STATE OR POLITI- worker" while performing duties related to the CAL SUBDIVISIONS—PERMITS RELATING TO conduct of your business, or to your"employ- OPERATIONS ees" in the course of the "employee's" em- The following is added to SECTION 11 —WHO IS ployment by you, provided that this coverage AN INSURED: for your "volunteer workers" does not apply while performing duties unrelated to the con- Any state or political subdivision that has issued a duct of your business. permit is an insured, but only with respect to"bod- ily injury", "property damage", "personal injury"or 3. Subparagraphs 2.a.(1)(a), (b) and (c) and "advertising injury" arising out of operations per- 3.a. of SECTION II —WHO IS AN INSURED formed by you or on your behalf for which that do not apply to"bodily injury"for which insur- state or political subdivision has issued such ance is provided by paragraph 1.or 2.above. permit. However, no such state or political subdi- O. MEDICAL PAYMENTS LIMIT vision is an insured for: The following replaces paragraph 7. of SECTION 1. "Bodily injury", "property damage", "personal III—LIMITS OF INSURANCE: injury"or"advertising Injury" arising out of op- Subject to 5. above, the Medical Expense Limit is orations performed for that state or political the most we will pay under Coverage C for all subdivision;or medical expenses because of"bodily injury" sus- 2. "Bodily injury" or "property damage" included tamed by any one person, and will be the higher within the "products — completed operations of: hazard". a. $10,000;or M. WHO IS AN INSURED — NEWLY ACQUIRED b. The amount shown on the Declarations OR FORMED ORGANIZATIONS for Medical Expense Limit. The following replaces Paragraph 4.a. of SEC- P. KNOWLEDGE AND NOTICE OF OCCUR- TION II—WHO IS AN INSURED: RENCE OR OFFENSE a. Coverage under this provision is afforded only The following is added to Paragraph 2. Duties In until the 180th day after you acquire or form The Event of Occurrence, Offense, Claim Or the organization or the end of the policy pe- CG D4 15 05 08(Rev.10-08) ©2008 The Travelers companies,Inc. Page 5 of 8