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IRONSHORE SPECIALTY INSURANCE COMPANY75 Federal StreetBoston, MA 02110Toll Free: (877) IRON411Policy Number: WKG 00204702Renewal of: WKG 00204701COMMERCIAL GENERAL LIABILITY DECLARATIONSNAMED INSURED: Cromwell Park At Salem Condominium Assn Incc/o Community First M3061 Brickhouse Court Suite 109Virginia Beach, VA 23452POLICY PERIOD: FROM 4/9/2018 TO 4/9/2019 AT 12:01 A.M. TIME AT YOUR MAILING ADDRESS SHOWN ABOVE.IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOUTO PROVIDE THE INSURANCE AS STATED IN THIS POLICY.LIMITS OF INSURANCEEACH OCCURRENCE LIMITDAMAGE TO PREMISES 1,000,000RENTED TO YOU LIMITMEDICAL EXPENSE LIMITPERSONAL & ADVERTISING INJURY LIMITGENERAL AGGREGATE LIMITPRODUCTS/COMPLETED OPERATIONS AGGREGATE LIMITEMPLOYEE BENEFITS LIABILITYNON-OWNED HIRED CAR LIMIT 100,000 5,000 1,000,000 2,000,000 2,000,000Not Covered 1,000,000RETROACTIVE DATETHIS INSURANCE DOES NOT APPLY TO "BODILY INJURY", "PROPERTY DAMAGE" OR "PERSONAL AND ADVERTISING INJURY"WHICH OCCURS BEFORE THE RETROACTIVE DATE, IF ANY, SHOWN BELOW.RETROACTIVE DATE: NONECGL.DEC.002 (04 12) Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page 1 of 4
VIRGINIA FORM SLB-9Date:May 16, 2018Applicant / Insured: Cromwell Park at Salem Condominium Assn Inc.Name of Non-Admitted Insurer(If Available): Ironshore Specialty Insurance CompanyPolicy Number: WKG00204702NOTICE TO INSUREDTHE INSURANCE POLICY THAT YOU HAVE APPLIED FOR HAS BEEN PLACED WITH OR IS BEINGOBTAINED FROM AN INSURER APPROVED BY THE STATE CORPORATION COMMISSION FOR ISSUANCEOF SURPLUS LINES INSURANCE IN THE COMMONWEALTH, BUT NOT LICENSED OR REGULATED BYTHE STATE CORPORATION COMMISSION OF THE COMMONWEALTH OF VIRGINIA. THEREFORE, YOU,THE POLICYHOLDER, AND PERSONS FILING A CLAIM AGAINST YOU ARE NOT PROTECTED UNDER THEVIRGINIA PROPERTY AND CASUALTY INSURANCE GUARANTY ASSOCIATION ACT (§§ 38.2-1600 et. seq.)OF THE CODE OF VIRGINIA AGAINST DEFAULT OF THE COMPANY DUE TO INSOLVENCY. IN THEEVENT OF INSURANCE COMPANY INSOLVENCY YOU MAY BE UNABLE TO COLLECT ANY AMOUNTOWED TO YOU BY THE COMPANY REGARDLESS OF THE TERMS OF THIS INSURANCE POLICY, AND YOUMAY HAVE TO PAY FOR ANY CLAIMS MADE AGAINST YOU.CRC Insurance Services, Inc(Name of Surplus Lines Broker)114351(License Number)One Metroplex Drive, Suite 400Birmingham, AL 35209(Broker's Mailing Address)VIRGINIA FORM SLB-9 (Eff. 9/96)
CLASSIFICATION AND PREMIUMLOCATION LOCATION ADDRESSNUMBER13901-3905 Cromwell ParkDrive, Virginia Beach, VA2345613901-3905 Cromwell ParkDrive, Virginia Beach, VA23456DESCRIPTION/OCCUPANCYCondominiums - residential - (associationrisk only)Swimming Pools - NOCCLASSCODE62003PREMIUM BASIS489251132CGL.DEC.002 (04 12) Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page 2 of 4
PREMIUM:Premium:Tria 1 (Certified):---------------------Total Amount Due:Policy Fee: 500Tax: 121.77VA Assessment: 1.35Compliance with all surplus lines placementrequirements, including stamping the Policyand collection and payment of surplus linestaxes, is the responsibility of the broker. 4,812 0---------------- 4,812See Invoice for the date Premium is due andpayable. Failure to pay the premium in fullmay result in voidance of coverage.FEESMGA Service Fee 100.00MINIMUM EARNED PREMIUM25%ENDORSEMENTS – SEE FORMS SCHEDULE ATTACHEDTHESE DECLARATIONS, TOGETHER WITH THE COMMON POLICY CONDITIONS AND COVERAGE FORM(S) AND ANYENDORSEMENT(S), COMPLETE THE ABOVE NUMBERED POLICY.By: Ironshore Specialty Insurance Company(Authorized Representative)Paul GiordanoNOTE:OFFICERS' FACSIMILE SIGNATURES MAY BE INSERTED HERE, ON THE POLICY COVER OR ELSEWHERE AT THE COMPANY'S OPTION.CGL.DEC.002 (04 12) Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page 3 of 4
Named Insured: Cromwell Park At Salem Condominium Assn IncPolicy Number: WKG 00204702Effective 12:01 AM: 4/9/2018SCHEDULE OF ENDORSEMENTSForm NumberForm NameCGL.DEC.002 (0412)Ironshore Specialty Commercial Liability Declarations PageCG 00 01 12 07Commercial General Liability Coverage FormIL 00 17 11 98Common Policy ConditionsIL 00 21 07 02Nuclear Energy Liability ExclusionCG 00 55 03 97Amendment of Other Insurance Condition (Occurrence Version)CG 00 67 03 05Exclusion - Violation of Statutes That Govern E-mails, Fax, Phone Calls or Other Methods ofSending Material or InformationAdditional Insured - Mortgagee, Assignee, or ReceiverCG 20 18 11 85CG 21 06 05 14CG 21 16 07 98Exclusion - Access or Disclosure or Personal Information and Data - Related Liability WithLimited Bodily Injury ExceptionExclusion - Designated Professional ServicesCG 21 44 04 17Limitation of Coverage to Designated Premises, Project or OperationCG 21 47 12 07Employment-Related Practices ExclusionCG 21 65 12 04CG 21 76 01 08Total Pollution Exclusion Endorsement with a Building Heating, Cooling and DehumidifyingEquipment Exception and a Hostile Fire ExceptionExclusion of Certified Acts of Terrorism and Exclusion of Other Acts or Terrorism CommittedOutside The United StatesExclusion of Punitive Damages Related to a Certified Act of TerrorismCG 21 96 03 05Silica ExclusionCG 23 01 12 04Exclusion - Real Estate Agents And Brokers Errors & OmissionsCGL.ALG.0100 (0910)Exclusion - Asbestos LiabilityCGL.ALG.0101 (0910)Exclusion - Lead LiabilityCGL.ALG.0162 (0910)Exclusion - Organic PathogenCGL.ALG.0253 (0211)Minimum and Deposit Premium EndorsementALG.FORM.0121ADisclosure Pursuant To Terrorism Risk Insurance ActALG.FORM.103A (0910)Notice To Policyholder - U.S. Treasury Department's Office of Foreign Assets Control (OFAC)ALG.FORM128 (0910)Notice to Policyholders - GL (Silica)ALG.FORM.129 (0910)Notice to Policyholders - GL (E-Mail)ALG.FORM.0137A (0910)Service of SuitCGL.WKGL0101(0613)Hired Non-Owned AutoCG 21 75 06 08CGL.DEC.002 (04 12) Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page 4 of 4
COMMERCIAL GENERAL LIABILITYCG 00 01 12 07COMMERCIAL GENERAL LIABILITY COVERAGE FORMVarious provisions in this policy restrict coverage.Read the entire policy carefully to determine rights,duties and what is and is not covered.Throughout this policy the words "you" and "your"refer to the Named Insured shown in the Declarations,and any other person or organization qualifying as aNamed Insured under this policy. The words "we","us" and "our" refer to the company providing thisinsurance.The word "insured" means any person or organizationqualifying as such under Section II – Who Is An Insured.Other words and phrases that appear in quotationmarks have special meaning. Refer to Section V –Definitions.SECTION I – COVERAGESCOVERAGE A BODILY INJURY AND PROPERTYDAMAGE LIABILITY1. Insuring Agreementa. We will pay those sums that the insured becomes legally obligated to pay as damagesbecause of "bodily injury" or "property damage"to which this insurance applies. We will havethe right and duty to defend the insured againstany "suit" seeking those damages. However,we will have no duty to defend the insuredagainst any "suit" seeking damages for "bodilyinjury" or "property damage" to which this insurance does not apply. We may, at our discretion, investigate any "occurrence" and settleany claim or "suit" that may result. But:(1) The amount we will pay for damages islimited as described in Section III – LimitsOf Insurance; and(2) Our right and duty to defend ends when wehave used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C.No other obligation or liability to pay sums orperform acts or services is covered unless explicitly provided for under Supplementary Payments – Coverages A and B.CG 00 01 12 07b. This insurance applies to "bodily injury" and"property damage" only if:(1) The "bodily injury" or "property damage" iscaused by an "occurrence" that takes placein the "coverage territory";(2) The "bodily injury" or "property damage"occurs during the policy period; and(3) Prior to the policy period, no insured listedunder Paragraph 1. of Section II – Who IsAn Insured and no "employee" authorizedby you to give or receive notice of an "occurrence" or claim, knew that the "bodily injury" or "property damage" had occurred, inwhole or in part. If such a listed insured orauthorized "employee" knew, prior to thepolicy period, that the "bodily injury" or"property damage" occurred, then any continuation, change or resumption of such"bodily injury" or "property damage" duringor after the policy period will be deemed tohave been known prior to the policy period.c. "Bodily injury" or "property damage" whichoccurs during the policy period and was not,prior to the policy period, known to have occurred by any insured listed under Paragraph1. of Section II – Who Is An Insured or any"employee" authorized by you to give or receive notice of an "occurrence" or claim, includes any continuation, change or resumptionof that "bodily injury" or "property damage" after the end of the policy period.d. "Bodily injury" or "property damage" will bedeemed to have been known to have occurredat the earliest time when any insured listed under Paragraph 1. of Section II – Who Is An Insured or any "employee" authorized by you togive or receive notice of an "occurrence" orclaim:(1) Reports all, or any part, of the "bodily injury"or "property damage" to us or any other insurer;(2) Receives a written or verbal demand orclaim for damages because of the "bodilyinjury" or "property damage"; or(3) Becomes aware by any other means that"bodily injury" or "property damage" has occurred or has begun to occur. ISO Properties, Inc., 2006Page 1 of 16
e. Damages because of "bodily injury" includedamages claimed by any person or organization for care, loss of services or death resultingat any time from the "bodily injury".2. ExclusionsThis insurance does not apply to:a. Expected Or Intended Injury"Bodily injury" or "property damage" expectedor intended from the standpoint of the insured.This exclusion does not apply to "bodily injury"resulting from the use of reasonable force toprotect persons or property.b. Contractual Liability"Bodily injury" or "property damage" for whichthe insured is obligated to pay damages byreason of the assumption of liability in a contract or agreement. This exclusion does notapply to liability for damages:(1) That the insured would have in the absenceof the contract or agreement; or(2) Assumed in a contract or agreement that isan "insured contract", provided the "bodilyinjury" or "property damage" occurs subsequent to the execution of the contract oragreement. Solely for the purposes of liability assumed in an "insured contract", reasonable attorney fees and necessary litigation expenses incurred by or for a partyother than an insured are deemed to bedamages because of "bodily injury" or"property damage", provided:(a) Liability to such party for, or for the costof, that party's defense has also beenassumed in the same "insured contract";and(b) Such attorney fees and litigation expenses are for defense of that partyagainst a civil or alternative disputeresolution proceeding in which damagesto which this insurance applies are alleged.Page 2 of 16c. Liquor Liability"Bodily injury" or "property damage" for whichany insured may be held liable by reason of:(1) Causing or contributing to the intoxication ofany person;(2) The furnishing of alcoholic beverages to aperson under the legal drinking age or under the influence of alcohol; or(3) Any statute, ordinance or regulation relatingto the sale, gift, distribution or use of alcoholic beverages.This exclusion applies only if you are in thebusiness of manufacturing, distributing, selling,serving or furnishing alcoholic beverages.d. Workers' Compensation And Similar LawsAny obligation of the insured under a workers'compensation, disability benefits or unemployment compensation law or any similar law.e. Employer's Liability"Bodily injury" to:(1) An "employee" of the insured arising out ofand in the course of:(a) Employment by the insured; or(b) Performing duties related to the conductof the insured's business; or(2) The spouse, child, parent, brother or sisterof that "employee" as a consequence ofParagraph (1) above.This exclusion applies whether the insuredmay be liable as an employer or in any othercapacity and to any obligation to share damages with or repay someone else who mustpay damages because of the injury.This exclusion does not apply to liability assumed by the insured under an "insured contract". ISO Properties, Inc., 2006CG 00 01 12 07
f. Pollution(1) "Bodily injury" or "property damage" arisingout of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants":(a) At or from any premises, site or locationwhich is or was at any time owned oroccupied by, or rented or loaned to, anyinsured. However, this subparagraphdoes not apply to:(i) "Bodily injury" if sustained within abuilding and caused by smoke,fumes, vapor or soot produced by ororiginating from equipment that isused to heat, cool or dehumidify thebuilding, or equipment that is used toheat water for personal use, by thebuilding's occupants or their guests;(ii) "Bodily injury" or "property damage"for which you may be held liable, ifyou are a contractor and the owneror lessee of such premises, site orlocation has been added to your policy as an additional insured with respect to your ongoing operationsperformed for that additional insuredat that premises, site or location andsuch premises, site or location is notand never was owned or occupiedby, or rented or loaned to, any insured, other than that additional insured; or(iii) "Bodily injury" or "property damage"arising out of heat, smoke or fumesfrom a "hostile fire";(b) At or from any premises, site or locationwhich is or was at any time used by orfor any insured or others for the handling, storage, disposal, processing ortreatment of waste;(c) Which are or were at any time transported, handled, stored, treated, disposed of, or processed as waste by orfor:(i) Any insured; or(ii) Any person or organization for whomyou may be legally responsible; orCG 00 01 12 07(d) At or from any premises, site or locationon which any insured or any contractorsor subcontractors working directly or indirectly on any insured's behalf are performing operations if the "pollutants" arebrought on or to the premises, site or location in connection with such operations by such insured, contractor or subcontractor. However, this subparagraphdoes not apply to:(i) "Bodily injury" or "property damage"arising out of the escape of fuels, lubricants or other operating fluidswhich are needed to perform thenormal electrical, hydraulic or mechanical functions necessary for theoperation of "mobile equipment" orits parts, if such fuels, lubricants orother operating fluids escape from avehicle part designed to hold, storeor receive them. This exception doesnot apply if the "bodily injury" or"property damage" arises out of theintentional discharge, dispersal or release of the fuels, lubricants or otheroperating fluids, or if such fuels, lubricants or other operating fluids arebrought on or to the premises, site orlocation with the intent that they bedischarged, dispersed or released aspart of the operations being performed by such insured, contractoror subcontractor;(ii) "Bodily injury" or "property damage"sustained within a building andcaused by the release of gases,fumes or vapors from materialsbrought into that building in connection with operations being performedby you or on your behalf by a contractor or subcontractor; or(iii) "Bodily injury" or "property damage"arising out of heat, smoke or fumesfrom a "hostile fire".(e) At or from any premises, site or locationon which any insured or any contractorsor subcontractors working directly or indirectly on any insured's behalf are performing operations if the operations areto test for, monitor, clean up, remove,contain, treat, detoxify or neutralize, orin any way respond to, or assess the effects of, "pollutants". ISO Properties, Inc., 2006Page 3 of 16
(2) Any loss, cost or expense arising out ofany:(a) Request, demand, order or statutory orregulatory requirement that any insuredor others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assessthe effects of, "pollutants"; or(b) Claim or "suit" by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaningup, removing, containing, treating, detoxifying or neutralizing, or in any wayresponding to, or assessing the effectsof, "pollutants".However, this paragraph does not apply toliability for damages because of "propertydamage" that the insured would have in theabsence of such request, demand, order orstatutory or regulatory requirement, or suchclaim or "suit" by or on behalf of a governmental authority.g. Aircraft, Auto Or Watercraft"Bodily injury" or "property damage" arising outof the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented orloaned to any insured. Use includes operationand "loading or unloading".This exclusion applies even if the claimsagainst any insured allege negligence or otherwrongdoing in the supervision, hiring, employment, training or monitoring of others by thatinsured, if the "occurrence" which caused the"bodily injury" or "property damage" involvedthe ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft that is owned or operated by or rented orloaned to any insured.This exclusion does not apply to:(1) A watercraft while ashore on premises youown or rent;(2) A watercraft you do not own that is:(a) Less than 26 feet long; and(b) Not being used to carry persons orproperty for a charge;(3) Parking an "auto" on, or on the ways nextto, premises you own or rent, provided the"auto" is not owned by or rented or loanedto you or the insured;(4) Liability assumed under any "insured contract" for the ownership, maintenance oruse of aircraft or watercraft; orPage 4 of 16(5) "Bodily injury" or "property damage" arisingout of:(a) The operation of machinery or equipment that is attached to, or part of, aland vehicle that would qualify under thedefinition of "mobile equipment" if it werenot subject to a compulsory or financialresponsibility law or other motor vehicleinsurance law in the state where it is licensed or principally garaged; or(b) the operation of any of the machinery orequipment listed in Paragraph f.(2) orf.(3) of the definition of "mobile equipment".h. Mobile Equipment"Bodily injury" or "property damage" arising outof:(1) The transportation of "mobile equipment" byan "auto" owned or operated by or rented orloaned to any insured; or(2) The use of "mobile equipment" in, or whilein practice for, or while being prepared for,any prearranged racing, speed, demolition,or stunting activity.i. War"Bodily injury" or "property damage", howevercaused, arising, directly or indirectly, out of:(1) War, including undeclared or civil war;(2) Warlike action by a military force, includingaction in hindering or defending against anactual or expected attack, by any government, sovereign or other authority usingmilitary personnel or other agents; or(3) Insurrection, rebellion, revolution, usurpedpower, or action taken by governmental authority in hindering or defending against anyof these.j. Damage To Property"Property damage" to:(1) Property you own, rent, or occupy, includingany costs or expenses incurred by you, orany other person, organization or entity, forrepair, replacement, enhancement, restoration or maintenance of such property forany reason, including prevention of injury toa person or damage to another's property;(2) Premises you sell, give away or abandon, ifthe "property damage" arises out of anypart of those premises;(3) Property loaned to you;(4) Personal property in the care, custody orcontrol of the insured; ISO Properties, Inc., 2006CG 00 01 12 07
(5) That particular part of real property onwhich you or any contractors or subcontractors working directly or indirectly on yourbehalf are performing operations, if the"property damage" arises out of those operations; or(6) That particular part of any property thatmust be restored, repaired or replaced because "your work" was incorrectly performed on it.Paragraphs (1), (3) and (4) of this exclusion donot apply to "property damage" (other thandamage by fire) to premises, including the contents of such premises, rented to you for a period of 7 or fewer consecutive days. A separatelimit of insurance applies to Damage To Premises Rented To You as described in Section III– Limits Of Insurance.Paragraph (2) of this exclusion does not applyif the premises are "your work" and were neveroccupied, rented or held for rental by you.Paragraphs (3), (4), (5) and (6) of this exclusion do not apply to liability assumed under asidetrack agreement.Paragraph (6) of this exclusion does not applyto "property damage" included in the "productscompleted operations hazard".k. Damage To Your Product"Property damage" to "your product" arising outof it or any part of it.l. Damage To Your Work"Property damage" to "your work" arising out ofit or any part of it and included in the "productscompleted operations hazard".This exclusion does not apply if the damagedwork or the work out of which the damagearises was performed on your behalf by a subcontractor.m. Damage To Impaired Property Or PropertyNot Physically Injured"Property damage" to "impaired property" orproperty that has not been physically injured,arising out of:(1) A defect, deficiency, inadequacy or dangerous condition in "your product" or "yourwork"; or(2) A delay or failure by you or anyone actingon your behalf to perform a contract oragreement in accordance with its terms.CG 00 01 12 07This exclusion does not apply to the loss of useof other property arising out of sudden and accidental physical injury to "your product" or"your work" after it has been put to its intendeduse.n. Recall Of Products, Work Or ImpairedPropertyDamages claimed for any loss, cost or expense incurred by you or others for the loss ofuse, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of:(1) "Your product";(2) "Your work"; or(3) "Impaired property";if such product, work, or property is withdrawnor recalled from the market or from use by anyperson or organization because of a known orsuspected defect, deficiency, inadequacy ordangerous condition in it.o. Personal And Advertising Injury"Bodily injury" arising out of "personal and advertising injury".p. Electronic DataDamages arising out of the loss of, loss of useof, damage to, corruption of, inability to access,or inability to manipulate electronic data.As used in this exclusion, electronic datameans information, facts or programs stored asor on, created or used on, or transmitted to orfrom computer software, including systems andapplications software, hard or floppy disks, CDROMS, tapes, drives, cells, data processingdevices or any other media which are usedwith electronically controlled equipment.q. Distribution Of Material In Violation OfStatutes"Bodily injury" or "property damage" arising directly or indirectly out of any action or omissionthat violates or is alleged to violate:(1) The Telephone Consumer Protection Act(TCPA), including any amendment of oraddition to such law; or(2) The CAN-SPAM Act of 2003, including anyamendment of or addition to such law; or(3) Any statute, ordinance or regulation, otherthan the TCPA or CAN-SPAM Act of 2003,that prohibits or limits the sending, transmitting, communicating or distribution of material or information. ISO Properties, Inc., 2006Page 5 of 16
Exclusions c. through n. do not apply to damageby fire to premises while rented to you or temporarily occupied by you with permission of theowner. A separate limit of insurance applies to thiscoverage as described in Section III – Limits OfInsurance.COVERAGE B PERSONAL AND ADVERTISINGINJURY LIABILITY1. Insuring Agreementa. We will pay those sums that the insured becomes legally obligated to pay as damagesbecause of "personal and advertising injury" towhich this insurance applies. We will have theright and duty to defend the insured againstany "suit" seeking those damages. However,we will have no duty to defend the insuredagainst any "suit" seeking damages for "personal and advertising injury" to which this insurance does not apply. We may, at our discretion, investigate any offense and settle anyclaim or "suit" that may result. But:(1) The amount we will pay for damages islimited as described in Section III – LimitsOf Insurance; and(2) Our right and duty to defend end when wehave used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C.No other obligation or liability to pay sums orperform acts or services is covered unless explicitly provided for under Supplementary Payments – Coverages A and B.b. This insurance applies to "personal and advertising injury" caused by an offense arising outof your business but only if the offense wascommitted in the "coverage territory" during thepolicy period.2. ExclusionsThis insurance does not apply to:a. Knowing Violation Of Rights Of Another"Personal and advertising injury" caused by orat the direction of the insured with the knowledge that the act would violate the rights of another and would inflict "personal and advertising injury".b. Material Published With Knowledge OfFalsity"Personal and advertising injury" arising out oforal or written publication of material, if done byor at the direction of the insured with knowledge of its falsity.Page 6 of 16c. Material Published Prior To Policy Period"Personal and advertising injury" arising out oforal or written publication of material whosefirst publication took place before the beginningof the policy period.d. Criminal Acts"Personal and advertising injury" arising out ofa criminal act committed by or at the directionof the insured.e. Contractual Liability"Personal and advertising injury" for which theinsured has assumed liability in a contract oragreement. This exclusion does not apply to liability for damages that the insured would havein the absence of the contract or agreement.f. Breach Of Contract"Personal and advertising injury" arising out ofa breach of contract, except an implied contract to use another's advertising idea in your"advertisement".g. Quality Or Performance Of Goods – FailureTo Conform To Statements"Personal and advertising injury" arising out ofthe failure of goods, products or services toconform with any statement of quality or performance made in your "advertisement".h. Wrong Description Of Prices"Personal and advertising injury" arising out ofthe wrong description of the price of goods,products or services stated in your "advertisement".i. Infringement Of Copyright, Patent,Trademark Or Trade Secret"Personal and advertising injury" arising out ofthe infringement of copyright, patent, trademark, trade secret or other intellectual propertyrights. Under this exclusion, such other intellectual property rights do not include the use ofanother's advertising idea in your "advertisement".However, this exclusion does not apply to infringement, in your "advertisement", of copyright, trade dress or slogan.j. Insureds In Media And Internet TypeBusinesses"Personal and advertising injury" committed byan insured whose business is:(1) Advertising, broadcasting, publishing ortelecasting;(2) Designing or determining content of websites for others; or ISO Properties, Inc., 2006CG 00 01 12 07
(3) An Internet search, access, content orservice provider.However, this exclusion does not apply toParagraphs 14.a., b. and c. of "personal andadvertising injury" under the Definitions Section.For the purposes of this exclusion, the placingof frames, borders or links, or advertising, foryou or others anywhere on the Internet, is notby itself, considered the business of advertising, broadcasting, publishing or telecasting.k. Electronic Chatrooms Or Bulletin Boards"Personal and advertising injury" arising out ofan electronic chatroom or bulletin board the insured hosts, owns, or over which the insuredexercises control.l. Unauthorized Use Of Another's Name OrProduct"Personal and advertising injury" arising out ofthe unauthorized use of another's name orproduct in your e-mail address, domain nameor metatag, or any other similar tactics to mislead another's potential customers.m. Pollution"Personal and advertising injury" arising out ofthe actual, alleged or threatened discharge,dispersal, seepage, migration, release or escape of "pollutants" at any time.n. Pollution-RelatedAny loss, cost or expense arising out of any:(1) Request, demand, order or statutory orregulatory requirement that any insured orothers test for, monitor, clean up, remove,contain, treat, detoxify or neutralize, or inany way respond to, or assess the effectsof, "pollutants"; or(2) Claim or suit by or on behalf of a governmental authority for damages because oftesting for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, orassessing the effects of, "pollutants".o. War"Personal and advertising injury", howevercaused, arising, directly or indirectly, out of:(1) War, including undeclared or civil war;(2) Warlike action by a military force, includingaction in hindering or defending against anactual or expected attack, by any government, sovereign or other authority usingmilitary personnel or other agents; orCG 00 01 12 07(3) Insurrection, rebellion, revolution, usurpedpower, or action taken by governmental authority in hindering or defending against anyof these.p. Distribution Of Ma
Form Number Form Name. CGL.DEC.002 (0412) Ironshore Specialty Commercial Liability Declarations Page CG 00 01 12 07 Commercial General Liability Coverage Form IL 00 17 11 98 Common Policy Conditions IL 00 21 07 02 Nuclear Energy Liability Exclusion CG 00 55 03 97 Amendment of Other
