Bush, Roed & Hitchings Inc. 2/23/2017

CU 60 02 06 97 COMMERCIAL UMBRELLA COVERAGE FORM There are provisions in this policy that restrict Insuring Agreement, V. DEFINITIONS. Words and coverage. Read the entire policy carefully to deter- phrases that appear in quotation marks have spe- mine rights, duties and what is and is not cov- cial meaning and can be found in the DEFINITION ered. Section or the specific policy provision where they appear. Throughout this policy, the words "you" and "your" refer to the Named Insured as defined in Insuring Agreement, V. DEFINITIONS. The words In consideration of the payment of the premium "we," "us" and "our" refer to the Company pro- and in reliance upon the statements in the Dec- viding this insurance. The word "Insured" means larations we agree with you to provide coverage any person or organization qualifying as such in as follows: INSURING AGREEMENTS O 1. COVERAGE B. The General Aggregate Limit is the most We will pay on behalf of the "Insured" those we will pay for all damages covered under ex- sums in excess of the "Retained Limit" that the Insuring Agreement in Section I., the "Insured" becomes legally obligated to cept: pay by reason of liability imposed by law or 1. damages included in the "products- assumed by the "Insured" under an "insured completed operations hazard"; and contract" because of "bodily injury," "property damage," "personal injury," or "advertising 2. coverages included in the policies list- injury" that takes place during the Policy Pe- ed in the Schedule of Underlying Insur- riod and is caused by an "occurrence" hap- ance to which no underlying aggregate pening anywhere. The amount we will pay for limit applies. damages is limited as described below in the Insuring Agreement Section 11. LIMITS OF IN- The amount stated on the Declarations as SURANCE. the General Aggregate Limit is the most we will pay for all damages arising out of II. LIMITS OF INSURANCE any "bodily injury," "property damage," "personal injury," or "advertising injury" A. The Limits of Insurance shown in Item 4. subject to an aggregate limit in the "un- of the Declarations and the rules below derlying insurance." The General Aggre- state the most we will pay regardless of gate Limit applies separately and in the the number of: same manner as the aggregate limits in the "underlying insurance." 1. "Insureds"; C. The Products-Completed Operations Ag- 2. "claims" made or "suits" brought; or gregate Limit is the most we will pay for 3. persons or organizations making all damages included in the "products- "claims" or bringing "suits." completed operations hazard." D. Subject to B. or C. in Section II. LIMITS OF INSURANCE, whichever applies, the Each Occurrence Limit is the most we will pay for "bodily injury," "property damage," CU 60 02 06 97 (Page 1 of 15)