Document v1d73B1ooa6Rwab6Lk88qeJe9

ENDORSEMENT #6 This endorsement, effective 12:01 A.M. 10/01/92 policy No. RMGL 326 5189 issued to Hanson industries by National Union Fire Insurance Company of Pittsburgh, PA forms a part of It is hereby understood and agreed that this $25,000 self-insured retention, Peabody Coal Company would be responsible for the handling, payment and resolution of any claims that would normally be covered under the property damage section of their genera! liability policy, provided the final expected value of that claim is $25,000 or less. Peabody would also be responsible for reporting to Hanson's claim service company any property damage claims that incurs (total of paid & reserve amounts) a value of $12,500 or more. 0190550423 RG/LL 01/26/93 Authorized Representative N17556 ENDORSEMENT #7 This endorsement, effective 12:01 A.M. 10/01/92 policy No. RMGL 326 5189 Issued to Hanson industries by National Union Fire Insurance Company of Pittsburgh, PA forms a part of Logging and Lumbering Operations This endorsement modifies insurance provided under the following: Commercial General Liability Coverage Part 1. Fire Suppression Expense - Meaning, fire suppression expenses incurred by others for which the named insured is legally obligated, solely by reason of such expenses having been incurred as a direct consequence offire resulting from and immediately attributable to an occurrence arising out of logging or lumbering operations of the named insured. 2. Property Damage to Timberland or Timber not owned by any Named Insured - Meaning, property damage to timberland and standing, felled or bucked timber at premises rented or controlled by the named insured, if such timberland or timber is not owned by any insured and except while such timber is being transported. 3. Property Damage to Automobiles and Railroad Cars not owned by the Named insured - Meaning, property damage to automobiles and raBroad cars not owned by the Named Insured which occurs while such vehicles are being loaded or unloaded by or on behaff ofthe Named Insured and arises out of such loading and unloading. The insurance provided for fire suppression expense and for damage to timberland or timber* not owned by any Named Insured shall not apply to damages because of fire or fire suppression if the fire arose out of the following operations conducted by or at the direction of the insured: (A) The burning of stash at times or under conditions prohibited or not approved by proper State or Federal authorities, or (B) The felling or bucking of timber, the operation of logging equipment (including railroad equipment) or the loading or unloading of logs at a time during which suspension of such operating had been directed by the proper State or Federal authorities. The insurance afforded by this endorsement is subject to a $250.00 property damage deductible per occurrence. Definition: Logging and Lumbering operations mean3 all operations associated with the felling of timber and production of lumber, including road buBding operations, the operating of saw or planing mills, operations incidental to any of these, and the ownership, maintenance or use of vehicles in connection with such operations, if such operations are conducted by or for the Named Insured. GLD054715 0049-GLD-000054715 "Extension of Coverage - Under State of Oregon ORS Chapter 477" It is further agreed that the Company agrees to pay (subject to the deductible provision and limits of insurance Section III) firefighting expense(s) incurred by others for which the Named Insured shall be held legally obligated solely by reason of such expense(s) having been Incurred as a direct consequence of fire resulting from and immediately attributable to an occurrence arising within the logging and lumbering and/or sawmill operations of the Named Insured in accordance with the State of Oregon ORS Chapter 477. 0190550423 RG/LL 01/26/93 Authorized Representative GLD054716 0049-GLD-000054716 ENDORSEMENT #8 This endorsement, effective 12:01 A.M. 10/01/92 policyNo. RMGL 3265189 issued to Hanson industries by National Union Fire Insurance Company of Pittsburgh, PA forms a part of IT IS HEREBY AGREED THAT COVERAGE FORM CG 00 01 11 88 IS DELETED FROM THE POLICY. THE COVERAGE FORM TO GOVERN THIS POLICY IS DESCRIBED IN ENDORSEMENT #5 . 0190550423 RG/LL 01/26/93 Authorized Representative GLD054717 0049-GLD-000054717 ENDORSEMENT #9 This endorsement, effective 12:01 A.M. 10/01/92 forms e part of policy Ho. RMGL 326 5189 issued to Hanson Industries fey National Union Fire Insurance Company of Pittsburgh, PA Waiver of Subrogation Against Grove UK It is agreed that the Named Insured and it's insurance carriers hereby waive all rights of subrogation against Grove UK and it's insurance carriers as respects to products sold by Grove North America. GLD054718 0049-GLD-000054718 ENDORSEMENT #10 This endorsement, effective 12:01 A.M. 10/01/92 policyNo. RMGL326 5189 issued to Hanson industries by National Union Fire Insurance Company of Pittsburgh, PA forms a part of 0. (. C. ENDORSEMENT IT IS HEREBY UNDERSTOOD AND AGREED THAT ON BEHALF OF THE POLICIES SCHEDULED BELOW, THIS POLICY SHALL AFFORD COVERAGE WHEN THERE EXISTS COVERAGE ON THIS POLICY WHICH IS NOT AFFORDED ON ONE OR ALL OF THE SCHEDULED POLICIES. THIS ENDORSEMENT (N NO WAY ALTERS THE LIMITS OF EACH OF THE INDIVIDUAL POLICIES. SCHEDULE GL 32651 90 GL 1436845 0190550423 RG/LL 01/26/93 _^ _ GLD054719 0049-GLD-000054719 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOTOR VEHICLE LAWS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART. The following are added to COMMERCIAL GENERAL LIABILITY CONDITIONS (Section IV): 1. When this Coverage Part is certified as proof of financial responsibility for the future under the provisions of any motor vehicle financial responsibility law. the insurance provided by the coverage part for Bodily Injury Liability or Property Damage Liability will comply with the provisions of the law to the extent of the coverage and limits of insurance required by that Jaw. 2. With respect to "mobile equipment" to which this insurance applies, we will provide any liability, uninsured motorists, underinsurea motorists, no-fault or other coverages re quired by any motor vehicle insurance law. We will provide the required limits for those coverages. CG 99 01 11 85 Copyright. Insurance Services Office, Inc., 1984 N17556.01 GLD054720 0049-GLD-000054720 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW JERSEY CHANGES - ^ AND NONPF' ATION This endorsement modifies insurance provided BOILER AND MACHINERY COVERAGE PART ' BUSINESSOWNERS POLICY COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL CRIME COVERAGE PART* COMMERCIAL GENERAL LIABILITY COVERAGE PA, COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART * This endorsement does not apply to coverage provided for employee dishonesty (Coverage Form A), forgery or alteration (Coverage Form B), or public employee dishonesty (Coverage Forms O and P). A. Pursuant to New Jersey faw, this policy cannot be cancelled or nonrenewed for any underwriting reason or guideline which is arbitrary, capricious or unfairly discriminatory or without adequate prior notice to the in sured. The underwriting reasons or guidelines that an insurer can use to cancel or nonrenew this policy are maintained by the insurer in writing and will be furnished to the insured and/or the insured's lawful rep resentative upon written request This provision shall not apply to any policy which has been in effect for (ess than 60 days at the time notice of cancellation is mailed or delivered, unless the policy is a renewal policy. B. Paragraph 2. of the CANCELLATION Common Policy Condition is replaced by the following: 2. If this policy has been in effect for less than 60 days, we may cancel this policy by mailing or delivering to the first Named Insured and any person entitled to notice under this policy written notice of can cellation at least a. 10 days before the effective date of cancellation if we cancel for. {1} Nonpayment of premium; or (2) Existence of a moral hazard, as defined in N.J.A.C. 11:1-20.2(f) as follows: (a) "The risk, danger or probability that the insured will destroy, or permit to be destroyed, the in sured property for the purpose of collecting the insurance pro ceeds. Any change in the cir cumstances of an insured that will increase the probability of such a destruction may be con sidered a 'moral hazard;' and (b) The substantial risk, danger or probability that the character, circumstances or personal habits of the insured may increase the possibility of loss or liability for which an insurer will be held responsible. Any change in the character or circumstances of an individual, corporate, partner ship or other insured that will increase the probability of such a loss or liability may be con sidered a 'moral hazard"' b. 30 days before the effective date of cancellation if we cancel for any other reason. C. The following is added to the CANCELLA TION Common Policy Condition: 7. Cancellation of Policies In Effect For 60 Days or More IL 02 08 06 89 Copyright Insurance Services Office. Inc.. 1987, 1989 Copyright ISO Commercial Risk Services, Inc., 1987, 1989 Rage 1 of 3 N17556.02 GLD054721 0049-GLD-000054721 a. If this policy has been in effect for 60 days or more, or is a renewal of a policy we issued, we may cancel this policy only for one or more of the following reasons: (1) Nonpayment of premium; (2) Existence of a moral hazard, as defined in N.J.A.C. 11:1-20.2(f): (3) Material misrepresentation or nondisclosure to u$ of a material fact at the time of acceptance of the risk; (4) Increased hazard or material change in the risk assumed which we could not have reasonably contemplated at the time of assumption of the risk; (5) Substantial breaches of contractual duties, conditions or warranties that materially affect the nature and/or insurability of the risk; (6) Lack of cooperation from the in sured on loss control matters materially affecting insurability of the risk; (7) Fraudulent acts against us by the insured or its representative that materially affect tne nature of the risk insured; (8) Loss of or reduction in available insurance capacity; (9) Material increase in exposure arising out of changes in statutory or case law subsequent to the issuance of the insurance contract or any sub sequent renewal; (10) Loss of or substantial changes in applicable reinsurance; (11) Failure by the insured to comply with any Federal, State or local fire, health, safety or building or con struction regulation, law or ordi nance with respect to an insured risk which substantially increases any hazard insured against within 60 days of written notification of a violation of any such law, regu lation or ordinance; (12) Failure by the insured to provide reasonable and necessary under writing information to us upon written request therefor and a reasonable opportunity to respond; (13) Agency termination, provided: (a) We document that replacement coverage at comparable rates and terms has been provided to the first Named insured, and we have informed die first Named Insured, in writing, of the right to continue coverage with us; or (b) We have informed the first Named Insured, in writing, of the right to continue coverage with us and the first Named Insured has agreed, in writing, to the cancellation or nonrenewal based on the termination of the first Named insured's appointed agent (14) Any other reasons in accordance with our underwriting guidelines for cancellation of commercial lines coverage. b. If we cancel this policy based on paragraph 7.a(1) or (2) above, wa will mail a written notice, stating the reason for cancellation, to die First Named Insured and any person entitled to notice under this policy, at least 10 days before the effective date of cancellation. For cancellation due to the nonpayment of premium, the notice will state the effect of nonpayment by the due date. Cancellation for nonpayment of premium will not be effective if payment of the amount due is made before the effective date set forth in the notice. If we cancel this policy for any other reason listed above, we will mail a written notice, stating die reason for cancellation, to the first Named Insured and any person entitled to notice under this policy, not more than 120 days nor less than 30 days before the effective date of such cancellation. c. Notice will be sent to the last mailing addresses known to us, by: (1) Certified mail; or (2) First class mail, if we have obtained from the post office a date stamped proof of mailing showing names and addresses. d. We need not send notice of cancel lation if you have: (1) Replaced coverage elsewhere; or (2) Specifically requested termination. Page 2 of 3 Copyright, Insurance Services Office, Inc, 1987, 1989 IL 02 08 06 89 O Copyright, ISO Commercial Risk Services, Inc., 1987, 1989 GLD054722 0049-GLD-000054722 D. The following is added and supersedes any other provision to the contrary: NONRENEWAL 1. We may elect not to renew this pplicy for any reason permitted to cancel it If we elect not to renew this policy, we will mail a notice of nonrenewal, stating the reasons for nonrenewal, to the first Named Insured at least 30 days but not more than 120 days before the expiration date of this policy, if this policy does not have a fixed expiration date, it shall be deemed to expire annually on the an niversary of its inception. 2. This notice will be sent to the first Named Insured at the last mailing address known to us by: a. Certified mail; or b. First class mail, if we have obtained from the post office a date stamped proof of mailing showing the first Named Insured's name and address. 3. We need not mail or deliver this notice if you have: a. Replaced coverage elsewhere; or b. Specifically requested termination. IL 02 08 06 89 Copyright, Insurance Services Office, Inc., 1987, 1989 Copyright, ISO Commercial Risk Services, Inc., 1987, 1989 Page 3 of 3 GLD054723 0049-GLD-000054723 COMMERCIAL GENERAL LIABILITY ' THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW JERSEY CHANGES - LOSS INFORMATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART ('OCCURRENCE" VERSION) The following Condition is added TO COM MERCIAL GENERAL LIABILITY CONDITIONS (Section IV): 10. Your Right to Loss Information We will provide the first Named insured shown in the Declarations the following loss information relating to this and any preceding general liability Coverage Part we have issued to you during the previous three years: a. A list or other record of each "occur rence" of which we were notified in ac cordance with paragraph 2.a. of the Duties in die Event of Occurrence, Claim or Suit Condition in this Section, We will include a brief description of the "oc currence" and information on whether any claim arising out of the ''occurrence1' is open or closed. b. A summary by policy year, of payments made and amounts reserved, stated sep arately under any applicable General Ag gregate Limit and Products-Completed Operations Aggregate Limit Amounts reserved are based on our judg ment They are subject to change and should not be regarded as ultimate settlement val ues. You must not disclose this information to any claimant or any claimant's representative without our consent We will provide this information only if we receive a written request from the first Named Insured during the policy period We will provide this information within 45 days of receipt of the request We compile claim and "occurrence" infor mation for our own business purposes and exercise reasonable care in doing so. In providing this information to the first Named Insured, we make no representations or warranties to insureds, insurers or others to whom this information is furnished by or on behalf of any insured CG 26 20 03 91 Copyright, Insurance Services Office, Inc., 1990 N17556.03 GLD054724 0049-GLD-000054724 POLICY NUMBER: GL 326-51-89 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF LIQUOR LIABILITY EXCLUSION EXCEPTION FOR SCHEDULED ACTIVITIES This endorsement modifies insurance provided under tine following: COMMERCIAL GENERAL LIABILITY COVERAGE PART Description of Activities): SCHEDULE (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement) Exclusion c. of COVERAGE A (Section I) is re placed by the following: c. "Bodily injury" or "property damage" for which any insured may be held li able by reason of: {1} Causing or contributing to die intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the in fluence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. This exclusion applies only if you: (1) Manufacture, sell or distribute al coholic beverages; (2) Serve or furnish alcoholic beverages for a charge whether or not such activity: (a) Requires a license; (b) Is for the purpose of financial gain or livelihood; or (3) Serve or furnish alcoholic beverages without a charge, if a license is required for such activity. However, this exclusion does not apply to "bodily injury" or ''property damage arising out or the selling, serving or fur nishing of alcoholic beverages at the specific activity(ies) described above. CG 21 51 09 89 Copyright Insurance Services Office, Inc.. 1989 Q N17556.04 GLD054725 0049-GLD-000054725 ENDORSEMENT This endorsement, effective 12:01 A.M. 10/01/92 forms a part of policy No. GL 326-51-89 issued to HANSON INDUSTRIES by NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. RADIOACTIVE MATTER EXCLUSION This policy does not apply to: "Bodily Injury" or "Property Damage" arising from the actual, alleged or threatened exposure off person(s) or property to any radioactive matter. 45782(5/87) AUTHORIZED REPRESENTATIVE GLD054726 0049-GLD-000054726 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT-RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART 1. The following exclusion is added to COVERAGE A (Section I): o. "Bodily injury" arising out of any; (1) Refusal to employ; (2) Termination of employment; (3} Coercion, demotion, evaluation, re assignment, discipline, defamation, harassment, humiliation, discrimi nation or other employment-related practices, policies, acts or omis sions; or (4) Consequential "bodily injury" as a result of (H through (3) above. This exclusion applies whether the insured may be held liable as an employer or in any other capacity and to any obligation to share damages with or to repay someone else who must pay damages because of the injury. 2. The following exclusion is added to COVERAGE Bisection \y c. "Personal injury" arising out of any: (1) Refusal to employ; (2) Termination of employment; (3} Coercion, demotion, evaluation, re assignment, discipline, defamation, harassment, humiliation, discrimi nation or other employment-related practices, policies, acts or omis sions; or (4) Consequential "personal injury" as a result of (1) through (3) above. CG 21 47 09 89 Copyright, Insurance Services Office, Inc., 1988 N1755^.05 V GLD054727 0049-GLD-000054727 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ALABAMA AND LOUISIANA CHANGES - WHO IS AN INSURED This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART In WHO IS AN INSURED (Section 11} the term "executive officer" means only a person holding any of the officer positions created by your charter, constitution or by laws. CG 01 08 11 85 Copyright, Insurance Services Office, Inc.. 1984 N17556.06 GLD054728 0049-GLD-000054728 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ARIZONA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL CRIME COVERAGE PART* COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART * This endorsement does not apply to coverage provided for employee dishonesty ICoverage Form A) or public employee dishonesty (Coverage Forms 0 and P). A. The following is added to the CANCELLA TION Common Policy Condition (and applies except in situations where B., below, applies): h. Acts or omissions by you or your representative which materially increase the hazard insured against 7. Cancellation Of Policies In Effect For 60 Days Or More If this policy has been in effect for 60 days or more, or if this policy is a re newal of a policy we issued, we may cancel this policy only for one or more of the following reasons: a. Nonpayment of premium; b. Your conviction of a crime arising out of acts increasing the hazard insured against; c. Acts or omissions by you or your representative constituting fraud or material misrepresentation in the pro curement of this policy, in continuing this policy or in presenting a claim under this policy; d. Substantial change in the risk assumed, except to the extent that we should have reasonably foreseen the change or contemplated the risk in writing tne contract; e. Substantial breach of contractual duties or conditions; f. Loss of reinsurance applicable to the risk insured against resulting from termination of treaty or facultative reinsurance initiated by our reinsurer or reinsurers; g. Determination by the Director of In surance that the continuation of the policy would place us in violation of the insurance laws of this state or would jeopardize our solvency; or If we cancel this policy based on one or more of the above reasons, we will mail by certified mail to the first Named In sured. and mail to the agent, if any, written notice of cancellation stating the reasons for cancellation. We will man this notice to the last mailing addresses known to us, at least a. 10 days before the effective date of cancellation if we cancel for nonpay ment of premium. b. 60 days before the effective date of cancellation if we cancel for any of the other reasons. B. if the Commercial Property Coverage Part or the Farm Property Coverage Form pro vides coverage for t. real property which is used predominantly for residential purposes and consists of one through four dwelling units; and/or 2. personal property (except business or farm personal property) of a person re siding in such real property; the following provisions apply (instead of those provided in item A. above} with re spect to cancellation of such coverage: If this policy has been in effect for 60 days or more, or is a renewal of a policy we Issued, we may cancel only for one or more of the following reasons: a. Nonpayment of premium; IL 02 58 07 89 Copyright fnsurance Services Office, inc., 1986, 1989 Copyright, ISO Commercial Risk Services, Inc., 1986, 1989 Page 1 of 3 M 7556.07 GLD054729 0049-GLD-000054729 b. Your conviction of a crime arising out of acts increasing the hazard insured against; e. Acts or omissions by you or your representative constituting fraud or material misrepresentation in obtaining the policy, continuing the policy, or presenting a claim under the policy; d. Discovery of grossly negligent acts or omissions by you substantially in creasing any of the hazards insured against; e. Substantial change in the risk assumed by us, since this policy was issued, except to the extent that we should reasonably have foreseen the change or contemplated the risk in writing tne contract; f. A determination by the Director of insurance that the continuation of the policy would place us in violation of the insurance laws of this state; or g. Your failure to take reasonable steps to eliminate or reduce any conditions in or on the insured premises which contributed to a loss in the past or will increase the probability of future losses. If we cancel this policy based on one or more of these reasons, we will mail written notice of cancellation, stating the reason(s) for can cellation, to the first Named insured We will mail this notice to the last mailing address known to us, at least (1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium. (2) 30 days before the effective date of cancellation, if we cancel for any of the other reasons. C. The following is added and supersedes any provision to the contrary {and applies except in situations where D., below, applies): NONRENEWAL 1. If we elect not to renew this policy, we will mail by certified mail to the first Named Insured, and mail to the agent, if any, written notice of nonrenewal We wifi mail this notice to the last mailing addresses known to us at least 60 days prior to the expiration of this policy. 2. If notice is mailed, proof of mailing will be sufficient proof of notice. 3. If either one of the following occurs, we are not required to provide written notice of nonrenewal: a. We or a company within the same insurance group has offered to issue a renewal policy; or b. You have obtained replacement cov erage or agreed in writing to do so. D. If the Commercial Property Coverage Part or the Farm Property Coverage Form pro vides coverage for 1. real property which is used predominantly for residential purposes ana consists of one through four dwelling units; and/or 2. personal property (except business or farm personal property) of a person re siding in such real property; the following provisions apply {instead of those provided in item C. above) with re spect to nonrenewai of such coverage: I. If we elect not to renew, we will mail written notice of nonrenewal, to the first Named Insured. We will mail this notice to the last mailing address known to us, at least 30 days before the end of the policy period Proof of mailing will be sufficient proof of notice. Z If either one of the following occurs, we are not required to provide notice of nonrenewal: a. you have agreed to nonrenewal; or b. you have accepted replacement cov erage. 3. If our nonrenewal is based on the con dition of the premises, you will be given 30 days' notice to remedy the identified conditions. if the identified conditions are remedied, coverage will be renewed if the identified conditions are not reme died to our satisfaction, you will be given an additional 30 days, upon payment of premium, to correct the defective condi tion. Page 2 of 3 Copyright, Insurance Services Office, Inc., 1386, 1989 IL 02 58 07 89 Copyright ISO Commercial Risk Services, Inc., 1986, 1989 GLD054730 0049-GLD-000054730 E. The following Condition is added: RENEWAL 1. If we elect to renew this policy and the renewal is subject to any of the follow ing a. Increase in premium; b. Change in deductible; e. Reduction in limits of insurance; or d. Substantial reduction in coverage; we will mail or deliver written notice of the changels) to the first Named Insured, at the last mailing address known to us, ---at--least 60 days before the anniversary or expiration date of the policy. 2. If renewal is subject to any condition described in la. through l.d. above, and we fail to provide notice 60 days before the anniversary or expiration date of this policy, the following procedures apply: a. The present policy will remain in effect until the earlier of the following (i) 60 days after the date of mailing or delivery of the notice; or <ii) The effective date of replacement coverage obtained by the first Named Insured b. If the first Named insured eiects not to renew, any earned premium for the period of extension of the terminated policy will be calculated pro rata at the lower of the following rates: <i) The rates applicable to the termi nated policy; or 0i) The rates presently in effect c. If the first Named insured accepts the renewal, the premium increase, if any, and other changes are effective the day following this policy's anniversary or expiration date. IL 02 58 07 89 Copyright. Insurance Services Office, Inc., 1989 Copyright, ISO Commercial Risk Services, Inc., 1989 Page 3 of 3 Q GLD054731 0049-GLD-000054731 POLICY NUMBER: GL 326-51-89 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ARKANSAS CHANGES - MULTI-YEAR POLICIES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to the Common Policy Conditions: G. MULTI-YEAR POLICIES We may issue this policy for a term in excess of twelve months with tine premium adjusted on an annual basis in accordance with our rates and rules. CG 26 08 04 90 Copyright, Insurance Services Office, Inc., 1990 N17556.08 GLD054732 0049-GLD-000054732 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ARKANSAS CHANGES - CANCELLATION This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART 8USINESSOWNERS POLICY COMMERCIAL AUTO COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 5. of the CANCELLATION Common Policy Condition is replaced by the following: 5.a. If this policy is cancelled, we will send the first Named Insured any premium refund due. b. We will refund the pro rata unearned premium if die policy is: ID Cancelled by us or at our request; (2) Cancelled but rewritten with us or in our company group; <3) Cancelled because you no longer have an insurable interest in the property or business operation that ts the subject of this insurance; or (4) Cancelled after the first year of a prepaid policy that was written for a term of more than one year. e. If the policy is cancelled at the request of the first Named Insured, other than a cancellation described in b.(2), (3) or (4) above, we will refund 90% of the pro rata unearned premium. However, the refund will be less than 90% of the pro rata unearned premium if the refund of such amount would reduce the premium retained by us to an amount less than die minimum premium for this policy. d. The cancellation will be effective even if we have not made or offered a refund. e. If the first Named Insured cancels die policy, we will retain no less than $ 100 of the premium, subject to the fol lowing: {1} We will retain no less than $250 of die premium for the Boiler and Machinery Coverage Part, except for insurance provided under tne Small Business Coverage Forms. (2) We will retain the premium devel oped for any annual policy period for the General Liability Classifica tions, if any. shown in the Decla rations/ (3) If the Commercial Auto Coverage Part covers only snowmobiles or golfmobiles, we will retain $100 or the premium shown in the Declara tions, whichever is greater. (4) If the Commercial Auto Coverage Part covers an "auto" with a mounted amusement device, we will retain the premium shown in the Declarations for die amusement device and not less than $100 for the auto to which it is attached. B. The following is added to the CANCELLA TION Common Policy Condition: 7. Cancellation of Policies In Effect More Than 60 Days a. If this policy has been in effect more than 60 days or is a renewal policy, we may cancel only for one or more of the following reasons: (1) Nonpayment of premium: 1L 02 31 01 92 Copyright, Insurance Services Office, Inc., 1991 Copyright. ISO Commercial Risk Services, Inc., 1991 Page 1 of 2 GLD054733 0049-GLD-000054733 (2) Fraud or material misrepresentation made by you or with your know ledge in obtaining the policy, con tinuing the policy or in presenting a claim under the policy; {3} The occurrence of a material change in the risk which substan tially increases any hazard insured against after policy issuance; (4) Violation of any local fire, health, safety, building or construction regulation or ordinance with respect to any insured property or its oc cupancy which substantially in creases any hazard insured against under the policy; {5) Nonpayment of membership dues in those cases where our by-laws, agreements or other legal Instru ments require payment as a condi tion of the issuance and maintenance of the policy; or {6} A material violation of a material provision of the policy. b. Subject to paragraph 7.c,, if we cancel for <tl Nonpayment of premium, we will mail or deliver written notice of cancellation, stating the reason for cancellation, to the first Named In sured and any lienholder or loss payee named in the policy at least 10 days before tine effective date of cancellation. (2) Any other reason, we will mail or deliver notice of cancellation to the first Named Insured and any lienholder or toss payee named in the policy at least 20 days before the effective date of cancellation. c. The following applies to the Commer cial Auto Coverage Part (1) If we cancel for nonpayment of premium, we will mail or deliver written notice of cancellation, stat ing the reason for cancellation, to the first Named Insured and any lienholder or loss payee named in the policy, and any lessee of whom we nave received notification prior to the loss, at least 10 days before the effective date of cancellation; {2) If we cancel for any other reason, we will mail or deliver notice of cancellation to the first Named In sured and any lienholder or loss payee named in the policy, and any lessee of whom we have received notification prior to the loss, at least 20 days before the effective date of cancellation. Page 2 of 2 Copyright Insurance Services Office, Inc., 1991 Copyright ISO Commercial Risk Services. Inc., 1991 IL 02 31 01 92 Q GLD054734 0049-GLD-000054734 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL AUTO COVERAGE PART COMMERCIAL CRIME COVERAGE PART - EXCEPT COVERAGE FORMS A AND B COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The following is added to the CANCELLA TION Common Policy Condition: 7. POLICIES IN EFFECT FOR MORE THAN 60 DAYS a. If this policy has been in effect for more than 0 days, or is a renewal of a policy we issued, we may cancel this policy only upon the occurrence, after the effective date of the policy, of one or more of the following: <1} Nonpayment of premium, including payment due on a prior policy we issued and due during the current policy term covering the same risks. (2) Discovery of fraud or material misrepresentation by: {a} Any insured or his or her rep resentative in obtaining this in surance; or <b> You or your representative in pursuing a claim under this pol icy. (3) A judgment by a court or an ad ministrative tribunal that you have violated a California or Federal law, having as one of its necessary el ements an act which materially in creases any of the risks insured against (4) Discovery of willful or grossly negligent acts or omissions, or of any violations of state laws or regulations establishing safety standards, by you or your repre sentative, which materially increase any of the risks insured against (5} Failure by you or your represen tative to implement reasonable loss control requirements, agreed to by you as a condition of policy issu ance, or which were conditions precedent to our use of a particular rate or rating plan, if that failure materially increases any of the risks insured against (6) A determination by the Commis sioner of Insurance that the: (a) Loss of, or changes in, our re insurance covering all or part of the risk would threaten our fi nancial integrity or solvency; or (b) Continuation of the policy cov erage would: i Place us in violation of California law or the .laws of the state where we are domiciled; or ii Threaten our solvency. (7) A change by you or your repre sentative in the activities or prop erty of the commercial or industrial enterprise, which results in a materially added, increased or changed risk, unless the added, in creased or changed risk is included in the policy. b. We will mail or deliver advance written notice of cancellation, stating the rea son for cancellation, to the first Named Insured, and to the producer of record, at least IL 02 70 03 88 Copyright Insurance Services Office. Inc.. 1987. 1988 Copyright, ISO Commercial Risk Services, Inc., 1987, 1988 Page 1 Of 2 O N17556.09 GLD054735 0049-GLD-000054735 (1) 10 days before the effective date of cancellation if we cancel for a reason listed in paragraph 7.&U) or (2). (2) 30 days before the effective date of cancellation if we cancel for any other reason listed in paragraph 7.a. B. The following is added and supersedes any provisions to the contrary: NOMRENEWAL. 1. If we decide not to renew this policy, we will mail or deliver written notice stating the reason for nonrenewal to the first Named Insured shown in the Decla rations and to the producer of record, at least a. 45 days, but not more than 120 days, before the expiration or anniversary date, if the aggregate policy premium is more than s to,000; or b. 60 days, but not more than 120 days, before the expiration or anniversary date, if the aggregate policy premium is $10,000 or less. 2. We will mail or deliver our notice to the first Named Insured, and to the producer of record, at the mailing address shown in the policy. 3. We are not required to send notice of nonrenewal in the following situations: a. If the transfer or renewal of a policy, without any changes in terms, condi tions, or rates, is between us and a member of our insurance group. b. If the policy has been extended for 90 days or less, provided that notice has been given in accordance with paragraph B.l. c. If you have obtained replacement coverage, or if the first Named Insured has agreed, in writing, within 60 days of the termination of the policy, to obtain that coverage. d. if the policy is for a period of no more than 60 days and you are noti fied at the time of issuance that it will not be renewed e. If the first Named Insured requests a change in the terms or conditions or risks covered by the policy within 60 days of the end of the policy period f. If we have made a written offer to the first Named insured, in accordance with the timeframes shown in para graph 8.1, to renew the policy under changed terms or conditions or at an increased premium rate, when the in crease exceeds 25%. Page 2 of 2 Copyright Insurance Services Office, Inc., 1987, 1988 IL 02 70 03 88 Copyright, ISO Commercial Risk Services, Inc., 1987, 1988 Q GLD054736 0049-GLD-000054736 CALIFORNIA INSURANCE GUARANTEE ASSOCIATION ENDORSEMENT This endorsement effective 12:01 A.M. 10/01/S2 policy NO. GL 326*51*89 issued to HANSON INDUSTRIES forms a part of by NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. In accordance with Section 1063.145, the following statement applies: Companies writing property and casualty insurance business in California are required to participate in the California Insurance Guarantee Association. If a company becomes insolvent the California insurance Guarantee Association settles unpaid claims and assesses each insurance company for its fair share. California law requires alt companies to surcharge policies to recover these assessments. If your policy is surcharged, "CA Surcharge" with an amount will be displayed on your premium notice. 51215 (12/90) GX.D054737 0049-GLD-000054737 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COLORADO CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL AUTO COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the CANCELLATION Common Policy Condition is replaced by the following: 2. If this policy has been in effect for less than 60 days, we may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpay ment of premium; or b. 30 days before the effective date of cancellation if we cancel for any other reason. B. The following is added to the CANCELLA TION Common Policy Condition: 7. Cancellation of Policies in Effect for 60 Days or More a. If this policy has been in effect for 60 days or more, or is a renewal of a policy we issued, we may cancel this policy by mailing through first-class maii to the first Named Insured written notice of cancellation: (1) Including the actual reason, at least 10 days before the effective date of cancellation, if we cancel for nonpayment of premium; or (2} At least 45 days before the ef fective date of cancellation if we cancel for any other reason. We may only cancel this policy based on one or more of the following reasons: (1) Nonpayment of premium; <2) A false statement knowingly made by the insured on the application for insurance; or {3) A substantial change in the exposire or risk other than that indi cated in the application and underwritten as of the effective date of the policy unless the first Named Insured has notified us of the change and we accept such change. C. The following is added and supersedes any other provision to the contrary: NONRENEWAL If we decide not to renew this poiicy, we will maii through first-class mail to the first Named insured shown in the Declarations written notice of the nonrenewal at least 45 days before the expiration date, or its anniversary date if it is a policy written for a term of more than one year or with no fixed expiration date. If notice is mailed, proof of mailing will be sufficient proof of notice. IL 02 28 10 89 Copyright insurance Services Office. Inc. 1989 Copyright ISO Commercial Risk Services, Inc., 1989 Page 1 of 2 N17556.1 GLD054738 0049-GLD-000054738 D. The following Condition is added INCREASE IN PREMIUM OR DECREASE IN COVERAGE We will not increase the premium unilaterally or decrease the coverage benefits on re newal of this policy unless we mail through first-class mail written notice of our inten tion, including the actual reason, to the first Named Insured's last mailing address known to us, at least 45 days before the effective data Any decrease in coverage during the policy term must be based on one or more of the following reasons: 1. Nonpayment of premium; 2. A false statement knowingly made by the insured on the application for insurance; or 3. A substantial change in the exposure or risk other than that indicated in the ap plication and underwritten as of the ef fective date of the policy unless the first Named insured has notified us of the change and we accept such change If notice is mailed, proof of mailing will be sufficient proof of notice Page 2 of 2 Copyright, insurance Services Office, Inc., 1989 Copyright. ISO Commercial Risk Services, Inc., 1989 IL 02 28 10 89 GLD054739 0049-GLD-000054739 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONNECTICUT CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The Cancellation Common Policy Condition is replaced by the following: CANCELLATION 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. Cancellation of policies in effect for less than 60 days. if this policy has been in effect for less than 60 days and is not a renewal of a policy we issued we may cancel this policy for any reason by giving you written notice of cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpay ment of premium; or b. 30 days before the effective date of cancellation if we cancel for any other reason. 3. Cancellation of policies in effect for 60 days or more a. if this policy has been in effect for 60 days or more or this is a renewal of a policy we issued, we may cancel this policy by giving you written notice of cancellation at least (1) 10 days before the effective date of cancellation if we cancel for one or more of the following reasons: (a) Nonpayment of premium; (b) Conviction of a crime arising out of acts increasing the hazard insured against; fc> Discovery of fraud or material misrepresentation by you in ob taining the policy or in perfecting any claim thereunder; (d) Discovery of any willful or reckless act or omission by you increasing the hazard insured against; or (e) A determination by the Com missioner that continuation of the policy would violate or place us in violation of the law; or (2) 60 days before the effective date of cancellation if we cancel for one or more of the following reasons: (a) Physical changes in the property which increase the hazard in sured against; (b) A material increase in the hazard insured against or (e) A substantial loss of reinsurance by us affecting this particular line of insurance. b. We may not cancel policies in effect for 60 days or more or renewal pol icies for any reason other than the reasons described in Paragraph 3.3. above. c. If we cancel for nonpayment of pre mium, you may continue the coverage and avoid the effect of the cancella tion by payment in full at any time prior to the effective date of cancel lation. 1L 02 60 12 87 Copyright, Insurance Services Office, Inc., 1987 Page 1 of 2 N175S6.11 GLD054740 0049-GLD-000054740 d. Notice of Cancellation will be delivered or sent by: (1) Registered mail; (2> Certified mail; or (3) Mail evidenced by a United States Post Office certificate of mailing. 4. We will give notice to you at your last mailing address known to us. 3. Notice of cancellation will state die ef fective date of cancellation. The policy period will end on that date. 6. If this policy is cancelled, we will send die first Named Insured any premium re fund due If we cancel, the refund will be pro rata If the first Named Insured cancels, the refund may be Ies9 than pro rata. The cancellation will be effective even if we have not made or offered a refund 7. If notice is mailed, proof of mailing will be sufficient proof of notice. B. The following is added and supersedes any other provision to the contrary: NONRENEWAL 1. If we decide not to renew this policy, we will mail or deliver to you a written notice of nonrenewal, stating the reason for nonrenewal, at least 60 days before the expiration date of this policy. The notice will be sent to your address last known to us. Z This notice will be delivered or sent by; a. Registered mail; b. Certified mail; or c. Mail evidenced by a certificate of mailing. If notice is mailed, proof of mailing is sufficient proof of notice 3. However, we are not required to send this notice if nonrenewai is due to your failure to pay any advance premium re quired for renewal. 4. With respect to automobile liability in surance policies only, your policy shall terminate on the effective date of any other insurance policy you purchase witn respect to any automobile designated in botn policies. Page 2 of 2 Copyright Insurance Services Office, Inc., 1987 IL 02 60 12 87 GLD054741 0049-GLD-000054741 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELAWARE CHANGES - TERMINATION PROVISIONS This endorsement modifies insurance provided under the following: COMMERCIAL CRIME - SAFE DEPOSITORY LIABILITY COVERAGE FORM M COMMERCIAL CRIME - LIABILITY FOR GUESTS' PROPERTY PREMISES COVERAGE FORM L COMMERCIAL CRIME - LIABILITY FOR GUESTS' PROPERTY SAFE DEPOSIT BOX COVERAGE FORM K COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVS3AGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION' LIABILITY COVERAGETART ----------------------------------- ------------------------------- PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. With respect to the: FARM PROPERTY COVERAGE FORM: and COMMERCIAL PROPERTY COVERAGE PART; if tiie policy covers a building that contains no more than 4 dwelling units, one of which is the insured's principal place of residence, or covers the insured's household personal property in a residential building, the fol lowing applies: 1. Paragraph 2. of the CANCELLATION Common Policy Condition is replaced by the following: 2. We may cancel this policy by mailing or delivering to the first Named In sured written notice of cancellation along with the reasons for cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or b. 30 days before the effective date of cancellation if we cancel for any other reason. After coverage has been in effect for more than 6u days or after the ef fective date of a renewal of this pol icy, no notice of cancellation will be issued by us unless it is based on at least one of the following reasons: (1) Nonpayment of premium; (2> Discovery of fraud or material misrepresentation made by you or with your knowledge in obtaining the policy, continuing the policy, or in presenting a claim under the policy; (3) Discovery of willful or reckless acts or omissions on your part that increase any hazard insured against; <4) The occurrence of a change in the risk that substantially increases any hazard insured against after insur ance coverage has been issued or renewed; (5) A violation of any local fire, health, safety, building, or construction regulation or ordinance with respect to any covered property or its occupancy that substantially in creases any hazard insured against; (6) A determination by the Insurance Commissioner that the continuation of the policy would place us in vi olation of the Delaware insurance laws; or (7) Real property taxes owing on the insured property have been delin quent for two or more years and continue delinquent at the time no tice of cancellation is issued. !L 02 37 08 88 Copyright, Insurance Services Office, Inc., 1988 Copyright, ISO Commercial Risk Services, Inc., 1988 Page 1 of 2 N17556.12 GLD054742 0049-GLD-000054742 2. The following Condition is added NONRENEWAL a If we decide not to renew this policy, we will mail or deliver written notice of nonrenewal to the first Named In sured, at least 30 days before the expiration date, or the anniversary date if this is a policy written for a term of more than one year or with no fixed expiration data b. Any notice of nonrenewal will include the reason(s) for nonrenewal and will be mailed or delivered to the first Named Insured at the last mailing ad dress known to us. c. If notice is mailed, proof of mailing will be sufficient proof of notice. 3. If CANCELLATION CHANGES CP 02 99 is attached to the Commercial Property Coverage Part, Paragraph E.2. of that form is replaced by fne following: 2. Pay property taxes that are owing and have been outstanding for more than two years following the date due, except that this provision will not ap ply where you are in a bona fide dis pute with the taxing authority regarding payment of such taxes. B. With respect to die: COMMERCIAL CRIME- COMMERCIAL CRIME - SAFE DEPOSITORY LIABILITY COVERAGE FORM M; LIABILITY FOR GUESTS' PROPERTY PREMISES COVERAGE FORM L; COMMERCIAL LIABILITY FOR GUESTS' CRIME - PROPERTY SAFE DEPOSIT BOX COVERAGE FORM 1C COMMERCIAL GENERAL LIABILITY COVERAGE FORM; COMMERCIAL LEGAL LIABILITY PROPERTY - COVERAGE FORM; COMMERCIAL MORTGAGE HOLDER'S PROPERTY - ERRORS AND OMISSIONS COVERAGE FORM; FARM LIABILITY COVfflAGE FORM; LIQUOR LIABILITY COVERAGE FORM; POLLUTION LIABILITY COVERAGE FORM; and PRODUCTS/COMPLETED OPERATIONS COVERAGE FORM; the following Condition is added and super sedes any other condition to die contrary: NONRENEWAL 1. If we decide not to renew this policy, we will mail or deliver written notice of nonrenewal to the first Named Insured, at least 60 days before the expiration date, or the anniversary date if this is a policy written for a term of more than one year or with no fixed expiration date. 2. Any notice of nonrenewal will be mailed or delivered to the first Named insured at the last mailing address known to us. 3. if notice of nonrenewal is mailed, it will be sent by certified mail. Page 2 of 2 Copyright Insurance Services Office, Inc., 1988 Copyright, (SO Commercial Risk Services, Inc., 1988 IL 02 37 08 86 GLD054743 0049-GLD-000054743 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ ;T CAREFULLY. DISTRICT OF COLUMBIA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL CRIME COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the CANCELLATION Common Policy Condition is replaced by the following: We may cancel this policy by mailing or delivering to the first Named Insured written notice or cancellation at least 30 days be fore the effective date of cancellation. At least 5 days before sending notice to the first Named Insured, we will notify the agent or broker, if any, who wrote the policy. If this policy has been in effect for 30 days or less and is not a renewal of a policy we issued, we may cancel this policy for any reason. If this policy has been in effect more than 30 days, or if this policy is a renewal of a policy we issued, we may cancel this policy only for one or more of the following rea sons: 1. You have refused or failed to pay a premium due under tine terms of the policy; 2. You have made a material and willful misstatement or omission of fact to us or our employees, agents or brokers in connection with any application to or claim against us; 3. You have transferred your property or other interest to a person otrier than you or your beneficiary, unless the transfer is permitted under the terms of the pol icy; or 4. The property, interest or use of the property or interest has materially changed with respect to its insurability. B. The following is added NONRENEWAL We may elect not to renew this policy by mailing or delivering written notice or nonrenewal to the first Named Insured's last mailing address known to us. We will mail or deliver the notice at least 30 days before tiie expiration of the policy. At least 5 days before sending notice to the first Named Insured, we wfll notify the agent or broker, if any, who wrote the policy. If notice is mailed, proof of mailing will be sufficient roof of notice. Delivery of tiie notice will e the same as mailing. IL 02 78 04 89 Copyright, Insurance Services Office, Inc., 1988, 1989 Copyright ISO Commercial Risk Services, Inc, 1988, 1989 N17556.13 GLD054744 0049-GLD-000054744 COMMERCIAL GENERAL LIABILITY CG 02 20 07 92 THIS ENDORSEMENT CHANGES THE POUCY. PLEASE READ IT CAREFULLY. FLORIDA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERACS PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the CANCELLATION Common Policy Condition is replaced by the following: 2. CANCELLATION OF POLICIES IN EFFECT: a. FOR 90 DAYS OR LESS If this policy has been in effect for 90 days or less, we may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation, accompanied by the rea sons for cancellation, at least (1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or {2) 20 days before die effective date of cancellation if we cancel for any other reason, except we may cancel immediately if there has been: (a) A material misstatement or mis representation; or {b} A failure to comply with the underwriting requirements es tablished by the insurer. b. FOR MORE THAN 90 DAYS If this policy has been in effect for more than 90 days, we may cancel this policy only for one or more of the following reasons: (1) Nonpayment of premium; (2) The policy was obtained by a ma terial misstatement' (3) Failure to comply with underwriting requirements within 90 days of the effective date of coverage; {4} A substantial change in the risk covered by the policy; or (5) The cancellation is for all insureds under such policies for a given class of insureds. If we cancel this policy for any of these reasons, we will mail or deliver to the first Named Insured written notice of cancellation, accompanied by the reasons for cancellation, at feast (a> 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or (b) 45 days before the effective date of cancellation if we cancel for any of the other reasons stated in paragraph 2.b. B. The following is added and supersedes any other provision to the contrary: NONRENEWAL 1. if we decide not to renew this policy we will mail or deliver to the first Named insured written notice of nonrenewal, accompanied by the reason for nonrenewal, at least 45 days prior to the expiration of this policy. 2. Any notice of nonrenewaf will be mailed or delivered to the first Named Insured's last mailing address known to us. If notice is mailed, proof of mailing will be suffi cient proof of notice. CG 02 20 07 92 Copyright Insurance Services Office. Inc., 1992 N17556.14 GLD054745 0049-GLD-000054745 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GEORGIA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph A 1. of the CANCELLATION Common Policy Condition is replaced by the following 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation, subject to the following a. If only the interest of the first Named Insured is affected, the effective date of cancellation will be either the date we receive notice from the first Named Insured or the date specified in the notice, whichever is later. b. If by statute, regulation or contract this policy may not be cancelled unless notice is given to a governmental agency, mortgagee or other third party, we will mail or deliver at least 10 days notice to the first Named In sured and the third party as soon as practicable after receiving the first Named Insured's request for cancellatioa Our notice will state the effective date of cancellation, which will be the later of the following (1) 10 days from the date of mailing or delivering our notice, or (2) The effective date of cancellation stated in the first Named insured's notice to us. B. The following is added to the CANCELLA TION Common Policy condition and super sedes any other provisions to the contrary: If we decide to: 1. Cancel or nonrenew this policy; or 2. increase current policy premium by more than 15% (other than any increase due to change in risk, exposure or experience modification or resulting from an audit of auditable coverages); or 3. Change any policy provision which would limit or restrict coverage; Then: We will mail or deliver notice of our action (including the dollar amount of any increase in renewal premium of more than 15%) to the first Named Insured and lienholder, if any, at the last mailing address known to us. we will mail or deliver notice at least 1. 10 days before the effective date of cancellation if this policy has been in ef fect less than 60 days or if we cancel for nonpayment of premium; or 2. 45 days before the effective date of cancellation if this policy has been in ef fect 60 or more days and we cancel for a reason other than nonpayment of pre mium; or 3. 45 days before the expiration date of this policy if we decide to nonrenew, increase the premium or limit or restrict coverage. IL 02 62 10 88 Copyright, Insurance Services Office, Inc., 1987 Copyright, ISO Commercial Risk "Services, Inc. 1987 N17556.15 GLD054746 0049-GLD-000054746 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ILLINOIS CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. CANCELLATION (Common Policy Conditions) is replaced by the following CANCELLATION 1. The first Named Insured shown in the Declarations may cancel this policy bymailing to us advance written notice or cancellation. 2.a. We may cancel this policy by mailing to you written notice stating the rea son for cancellation. b. If we cancel for nonpayment of pre mium, we will mail the notice at least 10 days prior to the effective date of cancellation. c. If we cancel for a reason other than nonpayment of premium, we will mail the notice at least; (1) 30 days prior to the effective date of cancellation if the policy has been in effect for 60 days or less. <2} 60 days prior to the effective date of cancellation if the policy has been in effect for more than 60 days. 3, If this policy has been in effect for more than 60 days, we may cancel only for one or more of the following reasons: a. Nonpayment of premium; b. The policy was obtained through a material misrepresentation; c. Any insured has violated any of the terms and conditions of the policy; d. The risk originally accepted has measurably increased; e. Certification of the Director of Insur ance of the loss of reinsurance by the insurer that provided coverage to us for all or a substantial part of the underlying risk insured; or f. A determination by the Director of Insurance that the continuation of the policy could place us in violation of the insurance laws of this State. 4. Notice of cancellation will state the ef fective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium re fund due If we cancel, the refund will be pro rata If the first Named Insured cancels, the refund will be less than pro rata The cancellation will be effective even if we have not offered a refund B. The following is added and supercedes any provision to the contrary: NONRENEWAL 1. If we decide not to renew tills policy, we will mail written notice stating the reason for nonrenewal no less than 60 days before the expiration date to: a. You; and b. The broker, if known to us, or the agent of record. 2. Even if we do not comply with these terms, this policy will terminate: a. On tiie expiration .date, if: (1) You fail to perform any of your obligations in connection with the payment of the premium for the policy, or any installment payment, whether payable directly to us or our agents or indirectly under any premium finance plan or extension of credit; or 12) We have indicated our willingness to renew this policy to you or your representative; or (3) You have notified us or our agent that you do not want to renew this policy. b. On the effective date of any other insurance replacing this policy. C. Mailing of Notices We will mail cancellation and nonrenewai notices to you, and the agent or broker, at the last addresses known to us. Proof of mailing will be sufficient proof of notice. CG 02 00 04 87 Copyright, Insurance Services Office, Inc., 1987 N17556.16 GLD054747 0049-GLD-000054747 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INDIANA CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL CRIME - LIABILITY FOR GUESTS' PROPERTY SAFE DEPOSIT BOX COVERAGE FORM K COMMERCIAL CRIME - LIABILITY FOR GUESTS' PROPERTY PREMISES COVERAGE FORM L COMMERCIAL CRIME - SAFE DEPOSITORY LIABILITY COVERAGE FORM M COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY - LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY - MORTGAGE HOLDERS ERRORS AND OMISSIONS COVERAGE FORM* FARM LIABILITY COVERAGE FORM LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART * Under the MORTGAGE HOLDERS ERRORS AND OMISSIONS COVERAGE FORM, the following condition applies only to Coverage C and Coverage D. The following condition is added: Notice given by or on behalf of the insured to any of our authorized agents in Indiana with par ticulars sufficient to identify the insured, shall be considered to be notice to us. IL 01 58 06 89 Copyright, Insurance Services Office, Inc., 1989 Copyright ISO Commercial Risk "Services. Inc.. 1989 N17556.17 GLD05474S 0049-GLD-000054748 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INDIANA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL AUTO COVERAGE PART COMMERCIAL CRIME COVERAGE PART* COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART * This endorsement does not apply to coverage provided for employee dishonesty (Coverage Form A), forgery or alteration (Coverage Form B), or public employee dishonesty (Coverage Forms 0 and PL A. Paragraph 2. of the CANCELLATION Common Policy Condition is replaced by tile following: 2.a. Cancellation of Policies in Effect for 90 Days or Less If this policy has been in effect for 90 days or less, we may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least <2} 20 days before the effective date of cancellation if you have perpe trated a fraud or material misrep resentation on us; (3) 45 days before the effective date of cancellation if: (a) There has been a substantial change in the scale of risk covered by this policy; or {1} 10 days before the effective date of cancellation if we cancel for nonpayment of premium; lb) Reinsurance of the risk associ ated with this policy has been cancelled (2) 20 days before the effective date of cancellation if you have perpe trated a fraud or material misrep resentation on us; (31 30 days before the effective date of cancellation if we cancel for any other reason. b. Cancellation of Policies in Effect for More Than 90 Days If this policy has been in effect for more than 90 days, or is a renewal of a policy we issued, we may cancel this policy, only for one or more of the reasons listed below, by mailing or delivering to the first Named In sured written notice of cancellation at least (1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; B. The following is added to the Common Policy Conditions and supersedes any pro vision to the contrary. NONRENEWAL 1. if we elect not to renew this policy, we will mail or deliver to tile first Named Insured written notice of nonrenewal at least 45 days before: a. The expiration date of this policy, if the policy is written for a term of one year or less; or b. The anniversary date of this policy, if the policy is written for a term of more than one year. 2. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. If notice is mailed, proof of mailing will be sufficient proof of notice IL 02 72 06 89 Copyright, Insurance Services Office. Inc., 1987, 1989 Copyright, ISO Commercial Risk Services, Inc., 1987, 1989 Q GLD054749 0049-GLD-000054749 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IOWA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL AUTO COVERAGE PART COMMERCIAL CRIME COVERAGE PART# COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COWPLETED OPERATIONS LIABILITY COVERAGE PART * This endorsement does not apply to coverage provided for employee dishonesty (Coverage Form A), forgery or alteration (Coverage Form BJ, or public employee dishonesty (Coverage Forms O and P). A. The CANCELLATION Common Policy Condi tion is replaced by the following: CANCELLATION 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. a. We may cancel this policy, by mailing or delivering to the first Named in sured and any loss payee written no tice of cancellation at least (1) 30 days before the effective data of cancellation if we cancel due to loss of reinsurance coverage; (2) 10 days before the effective date of cancellation if we cancel for any other reason. b. If this policy is a new policy and has been in effect for less than 60 days, we may cancel for (1) loss of reinsurance, subject to d. below; or (21 any other reason. o. If this policy has been in effect for 60 days or more, or is a renewal of a policy we issued, we may cancel only for one or more of the following reasons: (D Nonpayment of premium; (2) Misrepresentation or fraud made by or with your knowledge in ob taining the policy, when renewing the policy, or in presenting a claim under the policy; (3) Acts or omissions by you that substantially change or increase the risk insured; (4) Determination by the commissioner that the continuation of the policy would jeopardize our solvency or would place us in violation of the insurance laws of this or any other state: (5} You have acted in a manner which you knew or should have known was in violation or breach of a policy term or condition; or (6) Loss of reinsurance, subject to d. beiow. d. We may cancel due to loss of rein surance which provides coverage to us for a significant portion or the underlying risk insured, but only if the commissioner determines that such cancellation is justified. 3. We will mail or deliver our notice to the first Named Insured's and any loss payee's last mailing address known to us. 4. Notice of cancellation will state: <1} The reason for cancellation; and (2) The effective date of cancellation. The policy period will end on that date. IL 02 76 06 89 Copyright Insurance Services Qffice, Inc., 1987, 1989 Copyright, ISO Commercial Risk Services, tnc,, 1987, 1989 Page 1 of 2 N17556.18 GLD054750 0049-GLD-000054750 5. If this policy is cancelled, we will send die first Named insured any premium re fund due. If we cancel, the refund will be pro rata If the first Named Insured cancels, the refund may be less than pro rata The cancellation will be effective even if we have not made or offered a refund 6. If notice is mailed, a post office depart ment certificate of mailing is proof of receipt of notice. However, if cancellation is for nonpayment of premium, a certif icate of mailing is not required B. The following is added and supersedes any other provision to die contrary: NONRENEWAL 1. If we decide not to renew this policy, we will mail or deliver written notice of nonrenewal to the first Named Insured and any loss payee at least 45 days be fore the expiration date of this policy, except if: a. We have offered to issue a renewal policy; or b. You have failed to pay a premium due or any advance premium required by us for renewal. 2. If notice is mailed, a post office depart ment certificate of mailing is proof of receipt of notice. Page 2 of 2 Copyright, Insurance Services Office, Inc., 1987, 1989 IL 02 76 06 89 Copyright, ISO Commercial Risk Services, Inc., 1987, 1989 GLD054751 0049-GLD-000054751 THIS ENDORSEMENT CHANGES THE POUCY. PLEASE READ IT CAREFULLY. KANSAS CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PROOUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the CANCELLATION Common Policy Condition is replaced by the following: 2.a. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation, stating the reasons for cancellation, at least (1) 10 days before the effective date of cancellation if we cancel for nonpay ment of premium. (2} 30 days before the effective date of cancellation if we cancel for any ether reason. b. If this policy has been in effect for 90 days or more, or if it is a renewal of a policy we issued, we may cancel this policy only for one or more of the fol lowing reasons: Cl) Nonpayment of premium; (2) This policy was issued because of material misrepresentation; {3) You or any other insured violated any of the material terms and conditions of this policy; (4) Unfavorable underwriting factors, specific to you. exist that were not present at the inception of this policy; (5) A determination by the insurance commissioner that continuation of coverage could place us in a hazardous financial condition or in violation of the laws of Kansas; or (6) A determination by the insurance commissioner that we no longer have adequate reinsurance to meet our needs. 6. The following is added and supersedes any condition to the contrary: NONRENEWAL 1. If we decide not to renew this policy, we will mail or deliver written notice of nonrenewal, stating the reasons for nonrenewal, to the first Named Insured at least 60 days prior to the expiration of the policy. 2. Any notice of nonrenewal will be mailed or delivered to the first Named Insured's last mailing address known to us. if no tice is mailed, proof of mailing will be sufficient proof of notice. IL 02 61 12 89 Copyright Insurance Services Office, Inc., 1986, 1989 N17556.19 GLD054752 0049-GLD-000054752 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KANSAS AND OKLAHOMA CHANGES - TRANSFER OF RIGHTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART. Condition 8. TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US (Section IV), does not apply to COVERAGE C. MEDICAL PAYMENTS. CG 01 09 11 85 Copyright, Insurance Services Qffice, Inc., 1984 GLD054753 0049-GLD-000054753 IL 02 63 01 91 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KENTUCKY CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL AUTO COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL GB\IS?AL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART * This endorsement does not apply to coverage provided for employee dishonesty {Coverage Form A) or to public employee dishonesty (Coverage Forms O and P). A. Paragraph 2. of the CANCELLATION Common Policy Condition is replaced by the following: 2. Cancellation of Policies in Effect For 60 Days Or Less If this policy has been in effect for 60 days or less, we may cancel this policy for any reason by mailing or delivering to the first Named Insured written notice of cancellation, stating the reason for cancellation, at feast 14 days before the effective date of cancellation. B. The following is added to the CANCELLA TION Common Policy Condition: 7. Cancellation of Policies In Effect For More Than 60 Days a. If this policy Has been in effect for more than 60 days or is a renewal of a policy we issued, we may cancel this policy only for one or more of the following reasons: (1) Nonpayment of premium; (2) Discovery of fraud or material misrepresentation made by you or with your knowledge in obtaining the policy, continuing the policy, or in presenting a claim under the policy; (3) Discovery of willful or reckless acts or omissions on your part which increase any hazard insured against; (4) The occurrence of a change in the risk which substantially increases any hazard insured against after in surance coverage has been issued or renewed; (5) A violation of any local fire, health, safety, building, or construction regulation or ordinance with respect to any insured property or the oc cupancy thereof which substantially increases any hazard insured against; (6) We are unable to reinsure the risk covered by the policy; or (7) A determination by the commis sioner that the continuation of the policy would place us in violation of the Kentucky insurance code or regulations of the commissioner. b. If we cancel this policy based on paragraph 7.a. above, we will mail or deliver a written notice of cancellation to the first Named Insured, stating the reason for cancellation, at least (1) 14 days before the effective date of the cancellation, if cancellation is for nonpayment of premium; or (2) 75 days before the effective date of the cancellation, if cancellation is for any reason stated in 7.a. (2) through 7.a.(7) above. IL 02 63 01 91 Copyright, Insurance Services Office, Inc., 1990 Copyright, ISO Commercial Risk Services, Inc., 1990 Page 1 of 2 a N17556.2 6LD054754 0049-GLD-000054754 IL 02 63 01 91 C. line following is added and supersedes any provision to the contrary: NONRENEWAL 1. For the purpose of this Condition: a. Any policy period or term of less than 6 months shall be considered to be a policy period or term of six months; and b. Any policy period or term of more than 1 year or anv policy with no fixed expiration date snail be considered a policy period or term of 1 year. 2. If we elect not to renew this policy, we will mail or deliver written notice of nonrenewal, stating the reason for nonrenewal, to the first Named Insured shown in the Declarations, at the last mailing address known to us, at least 75 days before the expiration date of the policy period. 3. If notice of nonrenewal is not provided pursuant to this Condition, coverage under the same terms and conditions shall be deemed to be renewed for the ensuing policy period upon payment of the ap propriate premium until you have ac cepted replacement coverage with another insurer, or until you have agreed to the nonrenewal. 4. If we mail or deliver a renewal notice to the first Named Insured at least 30 days before the end of the policy period, stating the renewal premium and its due date, the policy will terminate without further notice unless die renewal premium is received by us or our authorized agent by the due date. 5. If this policy terminates because the re newal premium has not been received by the due date, ws will, within 15 days, mail or deliver to the first Named Insured at his last known address a notice that the policy was not renewed and the date it was terminated. 6. If notice is mailed, proof of mailing is sufficient proof of notice. Page 2 of 2 Copyright, Insurance Services Office, Inc., 1990 Copyright ISO Commercial Risk Services, Inc., 1990 IL 02 63 01 91 GLD054755 0049-GLD-000054755 IL 02 77 07 92 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOUISIANA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL AUTO COVERAGE PART COMMERCIAL CRIME COVERAGE PART# COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART * This endorsement does not apply to coverage provided for employee dishonesty (Coverage Form A) or public employee dishonesty (Coverage Forms 0 and P). A. Paragraphs 2. and 5. of the CANCELLATION Common Policy Condition are replaced by the following 2. NOTICE OF CANCELLATION a. CANCELLATION OF POLICIES IN EF FECT FOR FEWER THAN 60 DAYS AND NOT RENEWALS If this policy has been in effect for fewer than 60 days and is not a re newal of a policy we issued, we may cancel this poiicy for any reason, subject to the following ffl Cancellation for nonpayment of premium We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 30 days before the effective date of cancellation. (2) Cancellation for any other reason We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 60 days before tiie effective date of cancellation. b. CANCELLATION OF RENEWAL POLI CIES AND NEW POLICIES IN EFFECT FOR 60 DAYS OR MORE If this poiicy has been in effect for 60 days or more, or is a renewal of a policy we issued, we may cancel oniy for one or more of the following reasons: (1) Nonpayment of premium; (2) Fraud or material misrepresentation made by you or with your know ledge in obtaining the poiicy, con tinuing the policy, or in presenting a claim under the policy; (3) Activities or omissions by you which change or increase any haz ard insured against; (4) Change in the risk which increases the risk of loss after we issued or renewed this policy including an increase in exposure due to regu lation, legislation, or court decision; (5) Determination by the Commissioner of Insurance that the continuation of this policy would jeopardize our solvency or would place us in vio lation o t the insurance laws of this or any other state; (6) The insured's violation or breach of any policy terms or conditions; or (7) Any other reasons that are ap proved by the Commissioner of Insurance. IL 02 77 07 92 Copyright Insurance Services Office, Inc., 1992 Copyright, ISO Commercial Risk Services, Inc., 1992 Page t of 2 N17S56.21 GLD054756 0049-GLD-000054756 We will mail or deliver written no tice of cancellation under this item 2.b., to the first Named insured at least {a) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or (W 20 days before the effective date of cancellation if we cancel for a reason described in 2.b.{2) through (7) above. 5. PREMIUM REFUND If this policy is cancelled, we will send the first Named Insured any premium re fund due, subject to paragraphs 5.a. and S.b. The cancellation will be effective even if we have not made or offered a refund a. If we cancel, the refund will be pro rata b. If the first Named Insured cancels, die refund may be less than pro rata end will be sent to the first Named Insured within 30 days after the effective date of cancellation. B. Paragraph f. of the MORTGAGE HOLDERS Condition in the Businessowners Policy and Commercial Property Coverage Part and garagraph 4.{f) of the Mortgage Holders onoition in the Farm Coverage Part is re placed by the following If we cancel this policy, we will give written notice to the mortgage holder at least (1) 10 days before the effective date of cancellation, if we cancel for nonpayment of premium; or (2) 20 days before Hie effective date of cancellation, if we cancel for any other reason. C. The following is added and supersedes any other provision to the contrary: NONRENEWAL 1. If we decide not to renew this policy, we will mail or deliver written notice of nonrenewai to Hie first Named Insured, at least 60 days before its expiration date, or its anniversary date if it is a policy written for a term of more than one year or with no fixed expiration date. 2. We need not mail or deliver this notice if: a. We or another company within our insurance group have offered to issue a renewal policy; or b. You have obtained replacement cov erage or have agreed in writing to obtain replacement coverage. 3. Any notice of nonrenewai will be mailed or delivered to the first Named Insured at the last mailing address known to us. If notice is mailed, proof of mailing will be sufficient proof of notice Page 2 of 2 Copyright insurance Services Office, Inc, 1992 Copyright, ISO Commercial Risk Services, Inc., 1992 IL 02 77 07 92 GLD054757 0049-GLD-000054757 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MARYLAND CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART 1. Paragraph 2 of CANCELLATION (Common Policy Conditions) is replaced by the follow ing: We may cancel this Coverage Part by mailing or delivering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; b. 45 days before the effective date of cancellation if we cancel for any other reasoa 2. Any WHEN WE DO NOT RENEW Condition {Section IV) is deleted The following condition is added: WHEN WE DO NOT RENEW if we decide not to renew this Coverage Part, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 45 days before the expiration date Even if we do not comply with these terms, this Cover age Part will terminate: 1. On the expiration date, if: a. You fail to perform any of your obli gations in connection with the payment of premium for the Coverage Part or the renewal of the Coverage Part or any installment payment, whether payable di rectly to us or our agents or indirectly under any premium finance plan or ex tension of credit; b. We have indicated our willingness to renew this Coverage Part to you or your representative; c. You have notified us or our agent that you do not want to renew this Coverage Part; or 2. On the effective date of any other insur ance policy issued as a replacement for any insurance afforded by this Coverage Part with respect to insurance to which both policies apply. if notice is mailed, proof of mailing wilt be sufficient proof of notice. CG 02 01 02 86 Copyright, Insurance Services Office, Inc., 1984, 1986 N17556.22 GLD054758 0049-GLD 000054758 CG 01 68 12 90 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MICHIGAN CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The paragraph relating to prejudgment interest in SUPPLEMENTARY PAYMENTS (Section I) is re placed by the following Prejudgment interest awarded against the insured on that part of the judgment we pay. B. With respect to the DUTIES Condition (Section IV), notice to our authorized agent shall be con sidered notice to us. CG 01 68 12 90 Copyright Insurance Services Office. Inc.. 1990 1S17556.23 GLD054759 0049-GLD-000054759 IL 02 86 12 90 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MICHIGAN CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL AUTO COVERAGE PART COMMERCIAL CRIME COVERAGE PART* COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART FARM COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART * This endorsement does not apply to coverage provided for employee dishonesty (Coverage Form A) or public employee dishonesty (Coverage Forms 0 and P). A. The CANCELLATION Common Policy Condition is amended as follows: 1. Paragraph 1. is replaced by the following The first Named Insured shown in the Declarations may cancel this policy by mailing or de livering to us or our authorized agent advance notice of cancellation. 2. Paragraph 3. is replaced by the following: We will mail or deliver our notice to the first Named Insured's last mailing address known to us or our authorized agent 3. Paragraph 5. is replaced by the following If this policy is cancelled, we will send the first Named Insured any pro rata premium refund due The minimum earned premium shall not be less than the pro rata premium for die expired time or 525.00, whichever is greater. The cancellation will be effective even if we have not made or offered a refund. B. The following Condition is added and supersedes any other provision to the contrary: NONRENEWAL If we decide not to renew this policy, we will mail or deliver to the first Named Insureds last mailing address known to us or our authorized agent written notice of the nonrenewal not less than SO days before the expiration date. If notice is mailed, proof of mailing shall be sufficient proof of notice. IL 02 86 12 90 Copyright Insurance Services Office, Inc., 1991 Copyright, ISO Commercial Risk Services, Inc., 1991 GLD054760 0049-GLD-000054760 IL 02 45 06 90 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPBRATIONS LIABILITY COVERAGE PART A. When this endorsement is attached to the STANDARD PROPERTY POLICY CP 00 99 the term Coverage Part in this endorsement is replaced by fne term Policy. 8. The following provisions apply except when paragraph C. of this endorsement applies: The CANCELLATION Common Poiicy Condi tion is replaced by the following CANCELLATION 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this policy, subject to the provisions of B.3. below, by first class mailing, or by delivery, of a written notice of cancellation to the first Named Insured and any agent to their last mailing ad dresses known to us. Notice of cancel lation will state the effective date of cancellation. The policy period will end on that date. 3. a. If this policy is a new policy and has been in effect for fewer than 90 days, we may cancel for any reason by giving notice at least (ti 10 days before the effective date of cancellation, if we cancel for nonpayment of premium; or (2) 30 days before the effective date of cancellation, if we cancel for any other reason. b. If this policy has been in effect for 90 days or more, or if it is a renewal of a policy we issued, we may cancel only for one or more of die following reasons: {1} Nonpayment of premium; (2) Misrepresentation or fraud made by you or with your knowledge in obtaining the policy or in pursuing a claim under the policy; (3) An act or omission by you that substantially increases or changes the risk insured; (4) Refusal by you to eliminate known conditions that increase the poten tial for loss after notification by us that the condition must be re moved; (5) Substantial change in the risk as sumed, except to the extent that we should reasonably have fore seen the change or contemplated the risk in writing the contract; <6) Loss of reinsurance by us which provided coverage to us for a significant amount of the underlying risk insured Any notice of cancel lation pursuant to this item shall advise the policyholder that he or she has 10 days from the date of receipt of die notice to appeal the cancellation to the commissioner of commerce and that the com missioner wifi render a decision as to whether the cancellation is jus tified because of the loss of rein surance within 5 business days after receipt of the appeal; IL 02 45 06-90-------Copyright, Insurance Services Office, Inc.,. 1986LJL99Q.____._Page_1 of.2_ Copyright, ISO Commercial Risk Services, Inc., 1986, 1990 N17556.24 GLD054761 0049-GLD-000054761 IL 02 45 06 90 {7} A determination by the commis sioner that the continuation of the policy could place us in violation of the Minnesota insurance laws; or (6) Nonpayment of dues to an associ ation or organization, other than an insurance association or organiza tion, where payment of dues is a prerequisite to obtaining or contin uing such insurance. This provision for cancellation for failure to pay dues shall not be applicable to persons who are retired at 62 years of age or older or who are disabled according to social security standards. Under this item B.3.b., we will give notice at least (t) 10 days before the effective date of cancellation, if we cancel for nonpayment of premium. The can cellation notice shall contain the in formation regarding the amount of premium due and the due date, and shall state the effect of nonpay ment by the due date. Cancellation shall not be effective if payment of the amount due is made prior to the effective date of cancella tion; or (2> 60 days before the effective date, if we cancel for a reason described in B.3.b.(2) through (81 above. The notice of cancellation will state the reason for cancellation. 4. if this policy is cancelled, we will send the first Named Insured any premium re fund due If we cancel, the refund will be pro rata If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. C. The following applies with respect to cov erage provided under the following; COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART 1. if this Coverage Part covers buildings used for residential purposes (other than hotels or motels), and has been: a. In effect for at least 60 days, or b. Renewed by us. paragraph A. 6. of the CANCELLATION common Policy Condition does not apply, and tiie following is added to the CAN CELLATION Common Policy Condition; We may not cancel this policy, except for: (1) Nonpayment of premium; (2) Misrepresentation or fraud made by you or with your knowledge: (a) In obtaining this policy; or (b) In connection with a claim under this policy; (3) An act or omission by you that materially increases the risk we originally accepted; or (4) A physical change in the Covered Property which: (a) is not corrected or restored within a reasonable time after it occurs; and (b) Results in the property becoming uninsurable. The notice of cancellation will contain the reason for cancellation. 2. When this Coverage Part covers buildings used for residential purposes (other than hotels or motels), and is a new policy which has been in effect fewer than 60 days, cancellation is subject to the terms of the CANCELLATION Common Policy Condition and is not subject to paragraph B. or paragraph C.l. of this endorsement D. The following is added and supersedes any provisions to the contrary; NONRENEWAL If we decide not to renew this policy, we will mail, by first class mail, or deliver written notice of nonrenewal to ths first Named Insured and any agent, to their last mailing addresses known to us, at least 60 days before the expiration date. We need not mail or deliver this notice if you have: 1. Insured elsewhere; 2. Accepted replacement coverage; or 3. Agreed not to renew this policy. Page 2 of 2 Copyright Insurance Services Office, Inc., 1986, 1990 IL 02 43 06 90 O Copyright, ISO Commercial Risk Services, Inc., 1986, 1990 GLD054762 0049-GLD-000054762 CG 26 05 06 90 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The EXAMINATION OF YOUR BOOKS AND RECORDS Common Policy Condition is replaced by the following: We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to one year afterward. B. Paragraph 6. of SUPPLEMENTARY PAYMENTS - COVERAGES A AND B (Section I) is replaced by tne following: 6. Prejudgment interest awarded against the insured on that part of the judgment we pay. C. The TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US is amended by the addition of the following Our rights do not apply against any person or organization insured under this or any other Coverage Part we issue with respect to the same ''occurrence." CG 26 05 06 90 Copyright, Insurance Services Office, Inc., 1989 GLD054763 0049-GLD-000054763 NOTICE CONCERNING POLICYHOLDER RIGHTS IN AN INSOLVENCY UNDER THE MINNESOTA INSURANCE GUARANTY ASSOCIATION LAW tf the insurer who issued your property and casualty or liability insurance policy (includes homeowners and automobile insurance) becomes impaired or insolvent you are entitled to compensation for your policy from the assets of the insurer. The amount you recover will depend on the financial condition of the insurer. In addition, residents of Minnesota who purchase property and casualty or liability insurance from insurance companies authorized to do business in Minnesota are protected, SUBJECT TO LIMITS AND EXCLUSIONS, in the event the insurer becomes financially impaired or insolvent. This protection is provided by the Minnesota Insurance Guaranty Association. Minnesota Insurance Guaranty Association 4640 West 77th Street, Suite 342 Edina, Minnesota 55435 (612) 831-1908 The maximum amount the guaranty association will pay in regard to a claim under all policies issued by the same insurer is limited to S300.000. This limit does not apply to worker's compensation insurance. Coverage by the guar anty association is subject to other substantial limitations and exclusions and requires continued residency in Minnesota. If your clam exceeds the Guaranty Associations' limits you may still recover a part or all of that amount from the proceeds from the liquidation of the insolvent insurer, if any exist. Funds to pay claims may not be imme diately available. The Guaranty Association assesses insurers licensed to sell property & casualty insurance in Minnesota after the insolvency occurs. Claims are paid from the assessment. THE COVERAGE PROVIDED BY THE GUARANTY ASSOCIATION IS NOT A SUBSTITUTE FOR USING CARE IN SELECTING INSURANCE COMPANIES THAT ARE WELL MANANGED AND FINANCIALLY STABLE. IN SELECTING AN INSURANCE COMPANY OR POLICY, YOU SHOULD NOT RELY ON COVERAGE BY THE GUARANTY ASSOCIATION. THIS NOTICE IS REQUIRED BY MINNESOTA STATE LAW TO ADVISE POLICYHOLDERS OF PROPERTY AND CASUALTY INSURANCE POLICIES OF THEIR RIGHTS IN THE EVENT THEIR INSURANCE CARRIER BECOMES FINANCIALLY INSOLVENT. THIS NOTICE IN NO WAY IMPLIES THAT THE COMPANY CURRENTLY HAS ANY TYPE OF FINANCIAL PROB LEMS. ALL PROPERTY AND CASUALTY INSURANCE POUCIES ARE REQUIRED TO PRO VIDE THIS NOTICE. ! have read the foregoing notice and received a copy for my records thisday of 19 . Applicant 52705(1 V91) GLD054764 0049-GLD-000054764 THS ENDORSEMENT CHANGES THE POUCY. PLEASE READ IT CAREFULLY. MISSISSIPPI CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BUSINESSOWNERS POLICY COMMERCIAL CRIME - LIABILITY FOR GUESTS* PROPERTY SAFE DEPOSIT BOX &line. COVERAGE FORM K COMMERCIAL CRIME - LIABILITY FOR GUESTS* PROPERTY PREMISES COVERAGE &!ine. FORM L COMMERCIAL CRIME - SAFE DEPOSITORY LIABILITY COVERAGE FORM M COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The following condition is added and su persedes any provision to the contrary: NONRENEWAL 1. if we decide not to renew this policy, we will mail or deliver written notice of nonrenewal to the first Named Insured at least a. 10 days before the effective date of nonrenewal, if the nonrenewal is due to nonpayment of premium; or b. 30 days before an anniversary date or the expiration date of the policy, if the nonrenewal is for any other reason. 2. The notice of nonrenewai will be mailed or delivered to the first Named Insured's last mailing address known to us. If no tice is mailed, proof of mailing will be sufficient proof of notice. B. Paragraph f. of the MORTGAGE HOLDERS condition, if any, is replaced by the follow ing: f. If we cancel this policy, we will give written notice to the mortgage holder at least 30 days before the effective date of cancellation. C. In the BUSINESSOWNERS Common Policy Conditions, paragraph 2.a of the CANCEL LATION condition, which provides for 5 days* notice of cancellation under certain circum stances, is deleted IL 02 82 01 90 Copyright Insurance Services Office. Inc., 1989 Copyright, ISO Commercial Risk Services, inc., 1989 N17556.25 GLD054765 0049-GLD-000054765 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MONTANA CHANGES This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL CRIME COVERAGE PART* COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART * This endorsement does not apply to coverage provided for employee dishonesty (Coverage Form A), forgery or alteration (Coverage Form Bh or public employee dishonesty (Coverage Forms 0 A. Paragraph 2. of the CANCELLATION Com mon Policy Condition is replaced by the following 2.a. MIDTERM CANCELLATION We may cancel this policy based on the provisions below, by mailing or delivering written notice to the first Named Insured at least 10 days before the effective date of cancellation: (1) If this policy has been in effect for less than 6u days, except as pro vided In 2.a.{3) below, we may cancel for any reason. (21 If this policy has been in effect for 60 days or more, we may cancel this policy prior to the expiration of the agreed term or prior to one year from the effective date of the policy or renewal, whichever is less, only for one or more of the following reasons: a. Failure to pay a premium when due; b. Material misrepresentation; c. Substantial change in the risk assumed, except to the extent that we should reasonably have foreseen the change or con templated the risk in writing the contract d. Substantial breaches of contrac tual duties, conditions or war ranties; e. Determination by the Commis sioner of Insurance that contin uation of tiie policy would place us in violation of the Montana Insurance Code; f. Financial impairment of us; or g. Such other reasons that are ap proved by the Commissioner of Insurance. (3> If this policy has been issued for a term longer than one year, and if either the premium is prepaid or an agreed term is guaranteed for additional premium consideration, we may cancel this policy only for one or more of the reasons stated in 2.a.(2) above. b. ANNIVERSARY CANCELLATION We may cancel any policy with a term of more than one year by mailing or delivering to the first Named Insured written notice of cancellation at least 30 days before the anniversary date of the policy. Such cancellation will be effective on the policy's anniversary date. B. Paragraph 5. of the CANCELLATION Com mon Policy Condition is replaced by the following: 5, If this policy is cancelled, we will send the first Named Insured any premium re fund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata The cancellation will be effective even if we have not made or offered a refund However, when a financed insur ance policy is cancelled, we will send any refund due to the premium finance com pany on a pro rata basis. IL 02 43 06 89 Copyright Insurance Services Office. Inc.. 1986, 1989 Copyright, ISO Commercial Risk Services, Inc, 1986, 1989 Page 1 of 2 ____ __......................... . N17556.26 GLD054766 0049-GLD-000054766 C. Any WHEN WE DO NOT RENEW condition is deleted. me following WHEN WE DO NOT RENEW condition is added; 1. If we elect not to renew this Coverage Part, we will mail or deliver to the first Named Insured shown in the Declarations and agent, if any, a notice of intention not to renew at feast 30 days before the agreed expiration date. 2. We need not mail or deliver this notice if: a. You have purchased insurance else where; b. You have accepted replacement cov erage; c. You have requested or agreed to nonrenewal; or d. This policy is expressly designated as nonrenewable. Page 2 of 2 Copyright Insurance Services Office, Inc., 1986, 1989 1L 02 43 06 89 Copyright, ISO Commercial Risk Services, Inc., 1986, 1989 C GLD054767 0049-GLD-000054767 IL 01 67 07 92 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MONTANA CHANGES - CONFORMITY WITH STATUTES This endorsement modifies insurance provided under the following BOILER AND MACHINERY COVERAGE PART BUStNESSOWNERS POLICY COMMERCIAL AUTO COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART A. The following Condition is added: Conformity with Montana statutes. The pro visions of this policy or Coverage Part conform to the minimum requirements of Montana law and control over any conflicting statutes of any slate in which you reside on or after the effective date of this poiicy or Coverage Part However, with respect to insurance provided under the COMMERCIAL AUTO COVERAGE PART, while a covered "auto" is away from Montana: 1. We will increase the Limit of Insurance for Liability Coverage to meet the limits specified by a compulsory or financial responsibility law of the jurisdiction where the covered "auto" is being used. This extension does not apply to the limit or limits specified by any law governing motor carreers of passengers or property. 2. We will provide the minimum amounts and types of other coverages, such as no-fault required of out-of-state vehi cles by the jurisdiction where the covered "auto" is being used 3. No one will be entitled to duplicate pay ments for the same elements of loss. B. Any provision of this policy or Coverage Part (including endorsements which modify the policy or Coverage Parti that does not conform to the minimum requirements of a Montana statute is amended to conform to such statute. IL 01 67 07 92 Copyright Insurance Services Office, Inc., 1992 Copyright, ISO Commercial Risk Services, Inc, 1992 GLD054768 0049-GLD-000054768 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEBRASKA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following. BOILER AND MACHINERY COVERAGE PART COMMERCIAL CRIME COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART - This endorsement does not apply to coverage provided for employee dishonesty {Coverage Form A), forgery or alteration (Coverage Form 3). or public employee dishonesty (Coverage Forms 0 and P). A. Paragraphs 2. and 3. of the CANCELLATION Common Policy Condition are replaced by the following: 2.a. If this policy has been in effect for 60 days or less, we may cancel this policy for any reason. b. If this policy has been in effect for more than 60 days or if this is a re newal of a policy we issued, we may cancel this policy only for one or more of the following reasons: (1) Nonpayment of premium; (2) The policy was obtained through material misrepresentation; (3} Any Insured has submitted a fraudulent claim; (4) Any insured has violated the terms and conditions of this policy; (5} The risk originally accepted has substantially increased; (6) Certification to the Director of In surance of our loss of reinsurance which provided coverage to us for all or a substantial part of the underlying risk insured; or (7> The determination by the Director of Insurance that tne continuation of tiie policy could place us in vi olation of tne Nebraska insurance Laws. c. if we cancel this policy subject to 2 a. or Zb. above, we will mail to the first Named Insured a written notice of cancellation, stating the reasons for cancellation, at least 1. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or 2. 60 days before the effective date of cancellation if we cancel for any other reason. 3. We will mail our notice by first class mail to the first Named Insured's last mailing address known to us. A United States Postal Service Certificate of Mail ing shall be sufficient proof of receipt of notice on the third calendar day after the date of the certificate of mailing B. Paragraph 6. of the CANCELLATION Common Policy Condition does not apply. C. The following is added and supersedes any provisions to the contrary: NONRENEWAL 1. If we decide not to renew this policy, we will mail written notice of nonrenewal, stating the reasons for nonrenewal, to the first Named Insured, at least 60 days prior to the expiration date of this policy. IL 02 59 12 89 Copyright Insurance Services Office. Inc., 1986, 1989 Copyright ISO Commercial Risk Services, Inc., 1986, 1989 Page 1 of 2 D N17556.27 GLD054769 0049-GLD-000054769 2. Any notice of nonrenewal will be mailed by first class mail to the first Named insured's last mailing address known to us. A United States Postal Service Cer tificate of Mailing shall be sufficient proof of receipt of notice on the third calendar day after the date of the certificate of mailing. Page 2 of 2 Copyright, Insurance Services Office, Inc., 1986, 1989 IL 02 59 12 89 Copyright ISO Commercial Risk Services, Inc., 1986, 1989 GLD054770 0049-GLD-000054770 ENDORSEMENT This endorsement, effective 12:01 A.M. 10/01/92 forms a part of policy No. GL 326-51-89 issued to HANSON INDUSTRIES by NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. EMPLOYEE BODILY INJURY EXCLUSION It is agreed that exclusion (e) relating to bodily injury to any employee is replaced by the following: (e) "bodily injury" to: (1) an employee of the insured arising out of and in the course of employment by the insured; (2) a past, present or prospective employee of the insured, arising from any employment action, practice or policy of the insured including but not limited to that on hiring or firing, promotion or demotion, performance evalu ation, compensation, disciplinary action, retirement, layoff or transfer, or (3) any relative or member of the family of that past, present, or prospective employee as a consequence of (1) or (2) above. This exclusion applies: (1) whether the insured is or may be held liable as an employer or in any other capacity; and (2) to any obligation to share damages with or repay someone else who must pay damages because of the injury. 46460(9/87) AUTHORIZED REPRESENTATIVE GLD054771 0049-GLD-000054771 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW HAMPSHIRE CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS COVERAGE PART A. Paragraphs 2. and 3. of the CANCELLATION Common Policy Condition are replaced by the following: 2.a. We may cancel this policy by mailing or delivering to you written notice of can cellation, stating the reasons for cancel lation, at least (1) 10 days before the effective date of cancellation if we cancel for {a} Nonpayment of premium; or (b) Substantial increase in hazard; (2) 60 days before the effective date of cancellation if we cancel for any other reason. b. If this policy has been in effect for 60 days or more, or if this is a renewal of a policy we issued, we may cancel only for one or more of the following rea sons: (1) Nonpayment of premium; (2) Fraud or material misrepresentation affecting the policy or in the presen tation of a claim thereunder, or vio lation of any of the terms or conditions of the policy; or 13} Substantial increase in hazard; provided that cancellation for this reason shall be effective only after prior approval of the Commissioner. 3. We will mail or deliver our notice to your last mailing address known to us. If no tice is mailed, it will be by: a. Certified mail or certificate of mailing if cancellation is for nonpayment or premium. b. Certified mail if cancellation is for any other reason. B. The following is added and supersedes any provision to the contrary: NONRENEWAL 1. If we elect not to renew this policy, we will mail or deliver written notice of nonrenewal, stating the reasons for nonrenewal, to your last mailing address known to us at least 60 days prior to the expiration of the policy, or its anni versary date if it is a policy written for a term of more than one year. 2. However, we need not mail or deliver this notice if: (a) We have indicated a willingness to renew; to) We refuse to renew due to nonpay ment of premium; (c) You do not pay any advance premium required by us for renewal; or (d) Any property covered in this policy is insured under any other insurance policy. 3. If notice is mailed, proof of mailing will be sufficient proof of notice. IL 01 35 12 86 Copyright Insurance Services Office, Inc., 1985, 1986 N17556.28 GLD054772 0049-GLD-000054772 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following. BOILER AND MACHINERY COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of the CANCELLATION Common Policy Condition are replaced by the following 2.a. CANCELLATION OF POLICIES IN EF FECT 60 DAYS OR LESS We may cancel this policy by mailing or delivering to the first Named In sured written notice of cancellation at least (1) 30 days before the effective date of cancellation if we cancel for any reason not included in paragraph A.2.a.{2> below. (2) 15 days before the effective date of cancellation if we cancel for any of the following reasons: (a) Nonpayment of premium; (bl Conviction of a crime arising out of acts increasing the hazard insured against (c) Discovery of fraud or material misrepresentation in the obtaining of the policy or in the presen tation of a claim; (d) After issuance of the policy or after the last renewal date, dis covery of an act or omission, or a violation of any policy condition, that substantially and materially increases the hazard insured against and that oc curred subsequent to inception of the current policy period; le) Materia) physical change in the property insured, occurring after issuance or last annual renewal anniversary date of the policy, that results in the property be coming uninsurable in accordance with our objective, uniformly applied underwriting standards in effect at the time the policy was issued or last renewed; or material change in the nature or extent of tne risk, occurring after issuance or last annual re newal anniversary date of the policy, that causes the risk of loss to be substantially and materially increased beyond that contemplated at the time the policy was issued or last re newed; l f) Required pursuant to a determi nation by the Superintendent that continuation of our present premium volume would jeopard ize our solvency or be hazardous to the interest of our policyholders, our creditors or the public; <g> A determination by the Super intendent that the continuation of the policy would violate, or would place us in violation of. any provision of the Insurance Code; or IL 02 68 04 90 Copyright, insurance Services Office, Inc., 1986, 1990 Copyright, ISO Commercial Risk Services, Inc, 1986, 1990 Page 1 of 4 N17556.29 GLD054773 0049-GLD-000054773 (h) Where we have reason to be lieve. in good faith and with sufficient cause, that there is a probable risk of danger that the insured will destroy, or permit to be destroyed, the insured property for the purpose of coliecting the insurance pro ceeds. b, CANCELLATION OF POLICIES IN EF FECT FOR MORE THAN 60 DAYS If this policy has been in effect for more than 60 days, or if this policy is a renewal or continuation of a policy we issued, we may cancel this policy only for any of the reasons listed in paragraph A.2.a.{2} above provided we mail the first Named Insured writ ten notice at least 15 days before the effective date of cancellatioa 3. We will mail or deliver our notice, in cluding the reason for cancellation, to the first Named Insured at the address shown in the policy and to the authorized agent or broker. B. The following Conditions are added: 1. NONRENEWAL If we decide not to renew this policy we will send notice as provided in para graph B.3. below along with the reason for nonrenewal. 2. CONDITIONAL RENEWAL If we conditionally renew this policy subject to a: a. Change of limits; b. Change in type of coverage; e. Reduction of coverage; d. Increased deductible; e. Addition of exclusion; or f. Increased premiums in excess of 10%, exclusive of any premium increase due to and commensurate with insured value added or increased exposure units; or as a result of experience rating, loss rating, retrospective rating or audit; we will send notice as provided in para graph B.3. below. 3. NOTICES OF NONRENEWAL AND CONDI TIONAL RENEWAL a. If we decide not to renew this policy or to conditionally renew this policy as provided in paragraphs B.1. and B.2. above, we wiH mair or deliver written notice to the first Named Insured shown in the Declarations at least 60 but not more than 120 days before: 0) The expiration date; or (2> The anniversary date if this is a continuous policy. b. Notice will be mailed or delivered to the first Named Insured at the address shown in the policy and to the au thorized agent or broker, if notice is mailed, proof of mailing will be suffi cient proof of notice. c. We will not send you notice of nonrenewal or conditional renewal if you, your authorized agent or broker or another insurer of yours malls or delivers notice that the policy has been replaced or is no longer desired. C. The following provisions apply when the COMMERCIAL PROPERTY COVERAGE PART or the FARM COVERAGE PART is made a part of this policy; Items C.2. and C.3. apply if this policy meets the conditions of C.1. I.a. The policy is issued or issued for delivery in New York State covering property located in this state; and b. The policy insures: (1) for loss of or damage to struc tures. other than hotels or motels, used predominantly for residential purposes and consisting of no more than four dwelling units; or (2) for loss of or damage to personal property other than farm personal property or business property; or (3) against damages arising from liability for loss of, damage to or injury to persons or property, except li ability arising from business or farming; and Page 2 of 4 Copyright Insurance Services Office, Inc., 1986, 1990 IL 02 68 04 90 Copyright ISO Commercial Risk Services. Inc., 1986, 1990 GLD054774 0049-GLD-000054774 1 c. The portion of the annual premium attributable to the property and con tingencies described in l.b. exceeds the portion applicable to other prop erty and contingencies. 2. Paragraph 2. of the CANCELLATION Common Policy Condition is replaced by the following 2.a. We may cancel this policy by mailing or delivering to the first Namea insured written notice of cancellation at least (1) 15 days before die effective " date of cancellation if we cancel for nonpayment of premium; or (2) 30 days before the effective date of cancellation if we cancel for any other reason. b. But if this policy: ia) Has been in effect for more than 60 days; or <b) Is a renewal of a policy we is sued: we may cancel this policy only for one or more of the following rea sons: (1) Nonpayment of premium; {2} Conviction of a crime arising out of acts increasing the rislc of loss; (3) Discovery of fraud or material misrepresentation in obtaining tfie policy or in making a claim; (4) Discovery of willful or reckless acts or omissions increasing the risk of.loss; (5) Physical changes in the covered property that make that property uninsurable in accordance witn our objective and uniformly ap plied underwriting standards in effect when we: (a) Issued the policy; or <b> last voluntarily renewed the policy; (6) The Superintendent of Insur ance's determination that contin uing the policy would violate Chapter 28 of the insurance Law; or (7) Required pursuant to a determi nation by the Superintendent of Insurance that the continuation of our present premium volume would be hazardous to the in terests of our policyholders, our creditors or the public. 3. The following are added a. CONDITIONAL CONTINUATION Instead of cancelling this policy, we may continue it on tne condition that (1) The policy limits be changed; or (2) Any-coverage-not r-equir-ed-by-law be eliminated. If this policy is conditionally continued, we will mail or deliver to the first Named Insured written notice at least 20 days before the effective date of the change or elimination We will mail or deliver our notice to the first Named Insured's last mailing address known to us. If notice is mailed, proof of mailing will be sufficient proof of notice. Delivery of the notice will be the same as mailing b. NONRENEWAL If, as allowed by the laws of New York State, we: (II Do not renew this policy; or 12) Condition policy renewal upon: (a) Change of limits; or (b) Elimination of coverage; we will mail or deliver written notice of nonrenewal or conditional renewal. (a) At least 45 days; but (b) Not more than 60 days; before the expiration date of the policy. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. If notice is mailed, proof of mailing will be sufficient proof of notice. Delivery of the notice will be the same as mailing. ^sr IL 02 68 04 90 Copyright, Insurance Services Office, Inc., 1986, 1990 Copyright, ISO Commercial Risk Services. Inc., 1986, 1990 Page 3 of 4 6LD054775 0049-GLD-000054775 D. The following is added to the Farm Property Coverage Form and the COMMERCIAL PROPERTY COVERAGE PART: When the property is subject to the AntiArson Application in accordance with New York Insurance Department Regulation No. 96, the following provisions are added: Unless you return the completed, signed and affirmed anti-arson application to us: 1. Or our broker or agent within 45 days of the effective date of the policy, we will rescind the policy by giving. a. 5 days written notice to you; and b. 10 days written notice to the mort gage Holder shown in the Declarations. 2. 15 days before the expiration date of the policy, we will not renew the policy. We wifi give written notice of nonrenewal: a. To you at least 5 days before the expiration date of the policy; and b. To the mortgage holder shown in the Declarations at least 10 days before the expiration of the policy. These nonrenewai provisions supersede all other such provisions of this policy including this endorsement If the notice in 1. or 2. above is mailed, proof of mailing will be sufficient proof of notice Delivery of the notice will be the same as mailing. E The following applies to the COMMERCIAL PROPERTY COVERAGE PART and the FARM COVERAGE PART: Paragraphs f. and g. of the MORTGAGE HOLDERS Condition are replaced by the following f. CANCELLATION (II If we cancel this policy, we will give written notice to the mortgage holder at least (a) 10 days before the effective date of cancellation if we cancel for your nonpayment of pre mium; or (b) 30 days before the effective date of cancellation if we cancel for any other reason. (2) if you cancel this policy, we will give written notice to the mortgage holder. With respect to the mort gage holder's interest only, cancel lation win become effective on the later of: (a) The effective date of cancella tion of the insured's coverage; or fta) 10 days after we give notice to the mortgage holder. g. NONRENEWAL (1) If we elect not to renew this policy, we will give written notice to the mortgage holder at least 10 days before the expiration date of this policy. (2) If you elect not to renew this pol icy, we will give written notice to the mortgage holder. With respect to the mortgage holder's interest only, nonrenewal will become ef fective on the later of. (a) The expiration date of the policy; or <b) 10 days after we give notice to the mortgage holder. F. The following provisions apply when the following are made a part of this policy; COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM LIABILITY COVERAGE FORM LIQUOR LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART 1. If we send the first Named Insured an incomplete or late conditional renewal notice or a late nonrenewal notice as provided for in paragraph B.3. above, coverage will remain in effect at the same terms and conditions of this policy until sixty days after such notice is mailed or delivered, unless the first Named Insured elects to cancel sooner. Z The aggregate limits of this policy as shown in the Declarations will be in creased in proportion to any policy ex tension provided in accordance with paragraph E.l. above 3. The last sentence of LIMITS OF INSUR ANCE does not apply when the policy ?eriod is extended because we sent the irst Named Insured an incomplete or late conditional renewal notice or a late nonrenewai notice. Page 4 of 4 Copyright, Insurance Services Office, Inc., 1986, 1990 IL 02 68 04 90 Copyright, ISO Commercial Risk Services, Inc., 1986, 1990 GLD054776 0049-GLD-000054776 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES - AMENDATORY ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY COVERAGE PART 1. The following sentence of paragraph 1.& of COVERAGES (Section I) is deleted: We will have the right and duty to defend any suit seeking those damages. The following is added to paragraph La of COVERAGES (Section Iy. We will have the right and duty to defend any suit seeking those damages even if the allegations of tne suit are groundless, false or fraudulent 2. The following is added as paragraph e. to the DUTIES CONDITION (Section IV): (e.) Notice given by or on behalf of the in sured, or written notice by or on behalf of the injured person or any other claimant, to any agent of ours in New York State, with particulars sufficient to identify the insured, shad be considered to be notice to us. 3. Any definition of "loading or unloading" does not apply. CG 01 63 04 86 Copyright Insurance Services Office, Inc., 1984, 1986 N17556.3 GLD054777 0049-GLD-000054777 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES - TRANSFER OF DUTIES WHEN A LIMIT OF INSURANCE IS USED UP This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART The following Condition is added to COMMER CIAL GENERAL LIABILITY CONDITIONS (Section IV): Transfer of Duties When a Limit of Insurance Is Used Up. a. If we conclude that, based on "occurrences/ offenses, claims or "suits" which have been reported to us and to which this insurance may apply, the: (1) General Aggregate Limit (other than the Products/CompTeted Operations Aggre gate Limit); (2) Products/Completed Operations Aggre gate Limit; (3) Personal and Advertising Injury Limit; (4) Each Occurrence Limit; or (5) Fire Damage Limit is likely to be used up in the payment of judgments or settlements, we will notify the first Named Insured, in writing, to that effect b. When a limit of insurance described in par agraph a. above has actually been used up in the payment of judgments or settlements: (1) We will notify the first Named Insured, in writing, as soon as practicable, that (a) Such a limit has actually been used up; and (b) Our duty to defend Usuits" seeking damages subject to that limit has also ertdea (2) We will initiate, and cooperate in, the transfer of control, to any appropriate insured, of ail claims and "suits seeking damages which are subject to that limit and which are reported to us before that limit is used up. That insured must co operate in the transfer of control of said claims and "suits". We agree to take such steps, as we deem appropriate, to avoid a default in, or continue the defense of, such "suits" until such transfer is completed, provided the appropriate insured is cooperating in completing such transfer. We will take no action whatsoever with respect to any claim or "suit" seeking damages that would have been subject to that limit, had it not been used up, if the claim or "suit' is reported to us after that limit of insurance has been used up. (3) The first Named Insured, and any other insured involved in a "suit" seeking dam ages subject to that limit, must arrange for the defense of such "suit" within such time period as agreed to between the appropriate insured and us. Absent any such agreement arrangements for the defense of such "suit" must be made as soon as practicable. c. The first Named insured will reimburse us for expenses we incur in taking those steps we deem appropriate in accordance with paragraph b.(2) above. The duty of the first Named Insured to re imburse us will begin on: (1) The date on which the applicable limit of insurance is used up, if we sent notice in accordance with paragraph a. above; or <2) The date on which we sent notice in ac cordance with paragraph b.{1) above, if we did not send notice in accordance with paragraph a. above. d. The exhaustion of any limit of insurance by the payments of judgments or settlements, and the resulting end of our duty to defend, will not be affected by our failure to comply with any of the provisions of this Condition. CG 26 21 10 91 Copyright, Insurance Services Office. Inc., 1991 N17556.31 GLD054778 0049-GLD-000054778 COMMERCIAL GENERAL LIABILITY CG 26 24 08 92 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES - LEGAL ACTION AGAINST US This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The LEGAL ACTION AGAINST US Condition {Section IV) is replaced by the following LEGAL ACTION AGAINST US No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimants legal representative. CG 26 24 08 $2 Copyright insurance Services Office, Inc., 1992 N17556.32 GLD054779 0049-GLD-000054779 IL 02 69 08 92 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH CAROLINA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL CRIME COVERAGE PART* COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART * This endorsement does not apply to coverage provided for employee dishonesty (Coverace Form A), forgery or alteration (Coverage Form Bl or public employee dishonesty (Coverage Forms 0 and P). A. Paragraph 2. of the CANCELLATION Common Policy Condition is replaced by the following: 2.a. CANCELLATION OF POLICIES IN EFFECT LESS THAN 60 DAYS If this policy has been in effect for less than 60 days, we may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least (1) 15 days before the effective date of cancellation if we cancel for nonpay ment of premium; or (2) 30 days before the effective date of cancellation if we cancel for any other reason. b. CANCELLATION OF POLICIES IN EFFECT FOR 60 DAYS OR MORE If this policy has been in effect for 60 days or more, or is a renewal of a policy we issued, we may cancel this policy prior to the; (1} Expiration of the policy term; or (21 Anniversary date. stated in the policy only for one or more of tiie following reasons: (a) Nonpayment of premium; (b> An act or omission by the insured or his or her representative that constitutes material misrepresen tation or nondisclosure of a ma terial fact in obtaining this policy, continuing this policy or presenting a claim under this policy; (c) Increased hazard or material change in tiie risk assumed that could not have been reasonably contemplated by the parties at the time of as sumption of the risk; <d) Substantial breach of contractual duties, conditions or warranties that materially affects the insurability of the risk; (e) A fraudulent act against us by the insured or his or her representative that materially affects the insurability of the risk; If) Willful failure by die insured or his or her representative to institute reasonable loss control measures that materially affect the insurability of the risk after written notice by us; (g) Loss of facultative reinsurance, or loss of or substantial changes in applicable reinsurance as provided in G.S.58-476; (h> Conviction of the insured of a crime arising out of acts that materially affect the insurability of tiie risk; (i) A determination by the Commis sioner of Insurance that the con tinuation of the policy would place us in violation of the laws of North Carolina; or IL 02 69 08 92 Copyright, Insurance Services Office. Inc., 1991 Page 1 of 2 N17556.33 GLD054780 0049-GLD-000054780 (j) You fail to meet the requirements contained in our corporate charter, articles of incorporation or by-laws when we are a company organized for the sole purpose of providing members of an organization with insurance coverage in North Carolina We will mail or deliver written notice of cancellation to the first Named Insured at least (I) 15 days before the effective date of cancellation if we cancel for nonpay ment of premium; or (ii) 30-days'*before-tha effective date -of cancellation if we cancel for any other reason. c. Cancellation for nonpayment of premium will not become effective if you pay the premium amount due before the effective date of cancellation. d. We may also cancel this policy for any reason not stated above provided we obtain your prior written consent B. The following provisions are added and su persede any other provisions to the contrary; 1. NONRENEWAL a. if we elect not to renew this policy, we will mail or deliver to the first Named Insured shown in the Declara tions written notice of nonrenewal at least 45 days prior to the; (1) Expiration of the policy if this policy has been written for one year or less; or (2) Anniversary date of the policy if this policy has been written for more than one year or for an in definite term. b. We need not mail or deliver the notice of nonrenewal if you have. (1) Insured property covered under this policy, under any other insurance policy; {2} Accepted replacement coverage; or (3) Requested--or- agreed to nonrenewal of this policy. c. If notice is mailed, proof of mailing will be sufficient proof of notice. 2. The written notice of cancellation or nonrenewal will; a. Be mailed or delivered to the first Named insured and any designated mortgagee or loss payee at their ad dresses shown in the policy, or if not indicated in the policy, ax their last known addresses; and b. State tiie reason or reasons for can cellation or nonrenewal. Page 2 of 2 Copyright, Insurance Services Office, Inc., 1991 !L 02 69 08 92 GLD054781 0049-GLD-000054781 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OKLAHOMA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL AUTO COVERAGE PART COMMERCIAL CRIME COVERAGE PART* COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART *This endorsement does not apply to coverage provided for employee Form A) or public employee dishonesty (Coverage Forms O and P). A. Paragraph 2. of the CANCELLATION Common Policy Condition is replaced by the following: 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpay ment of premium; or b. 30 days before the effective date of cancellation if we cancel for any other reason. After coverage has been in effect for more than 45 business days or after the effective date of a renewal of this policy, no notice of cancellation will be issued by us unless it is based on at least one of the following reasons: (1) Nonpayment of premium; (2) Discovery of fraud or material misrepresentation in the procure ment of the insurance or with re spect to any claims submitted under it; (31 Discovery of willful or reckless acts or omissions by you that in crease any hazard insured against; (4) The occurrence of a change in the risk that substantially increases any hazard insured against after insur ance coverage has been issued or renewed; (5l A violation of fire, health, safety, building,'' or construction regulation or ordinance with respect to any covered property or its occupancy that substantially in creases any hazard insured against; (6) A determination by the Insurance Commissioner that the continuation of the policy would place us in vi olation of the insurance laws of this state; (71 Your conviction of a crime having as one of its necessary elements an act increasing any hazard insured against; or (81 Loss of or substantial changes in applicable reinsurance. B. The following are added to the Common Policy Conditions and supersede any pro visions to the contrary: 1. NONRENEWAL a. If we elect not to renew this policy, we will mail or deliver written notice of nonrenewal to the first Named In sured at least 45 days before: (1) The expiration date of this policy; or (21 An anniversary date of this policy, if it is written for a term longer than one year or with no fixed expiration date. IL 02 36 01 89 Copyright, Insurance Services Office, Inc, 1985, 1989 Copyright, ISO Commercial Risk Services, Inc, 1985, 1989 Page 1 of 2 Q N17556.34 GLD054782 0049-GLD-000054782 b. Any notice of nonrenewal will be mailed or delivered to the first Named Insured at the last mailing address known to us. c. If notice is mailed; il) It will be considered to have been given to the first Named Insured on the day it is mailed (2) Proof of mailing will be sufficient proof of notice. d. if notice of nonrenewal is not mailed or delivered at least 45 days before the expiration date or an anniversary date of this policy, coverage will re main in effect until 45 days after no tice is given. Earned premium for such extended period of coverage will be calculated pro rata based on the rates applicable to the expiring policy. e. We will not provide notice of nonrenewal if: (1) We, or another company within the same insurance group, have offered to issue a renewal policy; or <2> You have obtained replacement coverage or have agreed in writing to obtain replacement coverage. f. If we have provided the required, no tice of nonrenewai as described in B.1.a above, and thereafter extend the policy for a period of 90 days or less, we will not provide an additional nonrenewal notice with respect to the period of extension. 2. PREMIUM OR COVERAGE CHANGES AT RENEWAL a. If we elect to renew this policy, we will give written notice of any premium increase, change in deductible, or re duction in limits or coverage, to the first Named Insured, at the last mailing address known to us. b. Any such notice will be mailed or de livered to tiie first Named insured at least 45 days before: (1) Hie expiration date of this policy; or <2) An anniversary date of this policy, if it is written for a term longer than one year or with no fixed expiration date. c. If notice is mailed (1) It will be considered to have been given to the first Named insured on the day it is mailed (2) Proof of mailing will be sufficient proof of notica d. If tiie first Named Insured accepts the renewal, the premium increase or coverage changes will be effective the day following the prior policy's expi ration or anniversary date. e. if notice is not mailed or delivered at least 45 days before the expiration date or anniversary date of this policy, the premium, deductible, limits and coverage in effect ' prior to the changes will remain in effect until: (1) 45 days after notice is given; or {2} The effective date of replacement coverage obtained by the insured; whichever occurs first if the first Named insured then elects not to renew, any earned premium for the resulting extended period of cov erage will be calculated pro rata at the lower of the new rates or rates ap plicable to the expiring policy. f. We will not provide notice of the following (1) Changes in a rate, plan or policy form which are applicable to an entire class of business; or (2) Changes which are based upon the altered nature or extent of the risk insured Page 2 of 2 Copyright, Insurance Services Office, Inc, 1985, 1989 1L 02 36 01 89 Copyright ISO Commercial Risk Services, Inc, 1985, 1989 G GI.D054783 0049-GLD-000054783 IL 02 79 06 92 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OREGON CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL AUTO COVERAGE PART COMMERCIAL CRIME COVERAGE PART* COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART * This endorsement does not apply to coverage provided for employee dishonesty (Coverage Form A) or public employee dishonesty (Coverage Forms 0 and P). A. Paragraph 2. of the CANCELLATION Common Policy Condition is replaced by the following: 2. If this policy has been in effect for. a. Fewer than 60 days and is not a re newal policy, we may cancel for any reason. b. @0 days or more or is a renewal policy, we may cancel only for one or more of the following reasons: 11) Nonpayment of premium; (2) Fraud or material misrepresentation made by you or with your know ledge in obtaining the policy, con tinuing the policy or in presenting a claim under the policy; (3) Substantial increase in the risk of loss after insurance coverage has been issued or renewed, including but not limited to an increase in exposure due to rules, legislation or court decision; (4) Substantial breach of contractual duties, conditions or warranties; (5) Determination by the commissioner that the continuation of a line of insurance or class of business to which die policy belongs will jeopardize our solvency or will place us in violation of the insur ance laws of Oregon or any other state; or (6) Loss or decrease in reinsurance covering the risk. c. 60 days or more or is a renewal policy, we may cancel for any other reason approved by the commissioner by rule, but only with respect to in surance provided under the following: (1) A package policy that includes commercial property and commer cial liability insurance; (2) BUSINESSOWNERS POLICY; (3) COMMERCIAL AUTO COVERAGE PART; (4) COMMERCIAL CRIME - LIABILITY FOR GUESTS' PROPERTY SAFE DE POSIT BOX COVERAGE FORM K; <5) COMMERCIAL CRIME - LIABILITY FOR GUESTS' PROPERTY PREMISES COVERAGE FORM L; (6) COMMERCIAL CRIME - SAFE DE POSITORY LIABILITY COVERAGE FORM M; (7) COMMERCIAL GENERAL LIABILITY COVERAGE PART; (8) COMMERCIAL PROPERTY COVER AGE PART - LEGAL LIABILITY COVERAGE FORM; (9) COMMERCIAL PROPERTY COVER AGE PART - MORTGAGE HOLDERS ERRORS AND OMISSIONS COVER AGE FORM; IL 02 79 06 92 Copyright, Insurance Services Office, Inc., 1992 Copyright, ISO Commercial Risk Services, Inc., 1992 Page 1 of 2 N17556.35 GLD054784 0049-GLD-000054784 m FARM COVERAGE PART - FARM LIABILITY COVERAGE FORM; (11) LIQUOR LIABILITY COVERAGE PART; or (12) PRODUCTS/COMPLETED OPER ATIONS LIABILITY COVERAGE PART B. Paragraph 3. of the CANCELLATION Common Policy Condition is amended by the adcfition of the following: 3. We will mail or deliver to the first Named Insured written notice of cancellation, stating the reason for cancellation. C. The following is added to the CANCELLA TION Common-Policy-.Conditiore.................... 7. Number of Days' Notice of Cancellation a. With respect to insurance provided under 2.C.I1) through (I2) above, can cellation will not be effective until at least 10 working days after the first Named Insured receives our notice. b. With respect to insurance other than that provided under 2.c.{1) through (12) above, cancellation will not be effec tive until at feast (1) 10 days after the first Named In sured receives our notice, if we cancel for nonpayment of premium; or (2} 30 days after the first Named In sured receives our notice, if we cancel for any other reason. D. Paragraph 6. of the CANCELLATION Common Policy Condition does not apply. E. The following are added and supersede any provision to the contrary: 1. NONRENEWAL We may elect not to renew this policy by mailing or delivering to the first Named insured, at the last mailing address known to us. written notice of nonrenewat be fore the: a Expiration date of the policy; or b. Anniversary date of the policy if the policy is written for a term of more __ .than one year_or_without a fixed ex piration data However, if this policy is issued for a term of more than one year and for ad ditional consideration the premium is guaranteed, we may not refuse to renew the policy at its anniversary date. Nonrenewal will not be effective until at least 30 days after the first Named In sured receives our notice 2. MAILING OF NOTICES If notice of cancellation or nonrenewal is mailed, a post office certificate of mailing will be conclusive proof that the first Named Insured received the notice on the third calendar day after the date of the certificate of mailing. Page 2 of 2 Copyright, Insurance Services Office, Inc., 1992 Copyright ISO Commercial Risk Services, Inc., 1992 IL 02 79 06 92 GLD054785 0049-GLD-000054785 IL 09 10/HO 291 (Ed 01 81) PENNSYLVANIA NOTICE An Insurance Company, Its agents, employees, or service contractors acting on its behalf, may provide services to reduce the likelihood of injury, death or loss. These services may include any of the following or related services incident to the application for, issuance, renewal or continuation of, a policy of insurance: 1. surveys; 2. consultation or advice; or 3. inspections. The "Insurance Consultation Services Exemption Act1' of Pennsylvania provides that the Insurance Company, its agents, employees or service contractors acting on its behalf, is not liable for damages from injury, death or loss occurring as a result of any act or omission by any person in the fur nishing of or the failure to furnish these services. The Act does not apply: 1. if the injury, death or loss occurred during the actual performance of the services and was caused by the negligence of the Insurance Company, its agents, employees or service contractors; 2. to consultation services required to be performed under a written service contract not related to a policy of insurance; or 3. if any acts or omissions of the insurance Company, its agents, employees or service con tractors are judicially determined to constitute a crime, actual malice, or gross negligence Instruction to Policy Writers Attach the Pennsylvania Notice to all new and renewal certificates insuring risks located in Pennsylvania IL 09 10/HO 291 (Ed. 01 81) N17556.36 GLD054786 0049-GLD-000054786 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PENNSYLVANIA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following; BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL AUTO COVERAGE PART COMMERCIAL CRIME COVERAGE PART* COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART * This endorsement does not apply to coverage provided for employee dishonesty (Coverage Form A) or public employee dishonesty (Coverage Forms 0 and P). A. The CANCELLATION Common Policy Condi tion is replaced by the following: CANCELLATION 1. The first Named Insured shown in the Declarations may cancel this policy by writing or giving notice of cancellation. 2. CANCELLATION OF POLICIES IN EFFECT FOR LESS THAN 60 DAYS We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 30 days before the effective date of can cellation. 3. CANCELLATION OF POLICIES IN EFFECT FOR 60 DAYS OR MORE If this policy has been in effect for 60 days or more or if this policy is a re newal of a policy we issued, we may cancel this policy only for one or more of the following reasons: a. You have made a material misrepre sentation which affects the insurability of the risk. Notice of cancellation will be mailed or delivered at least 15 days before die effective date of cancella tion. b. You have failed to pay a premium when due, whether the premium is payable directly to us or our agents or indirectly under a premium finance plan or extension of credit Notice of cancellation will be mailed at least 15 days before the effective date of cancellation. c. A condition, factor or loss experience material to insurability has changed substantially or a substantial condition, factor or loss experience material to insurability has become known during the policy period. Notice of cancella tion will be mailed or deliv at least 60 days before the effective date of cancellation. d. Loss of reinsurance or a substantial decrease in reinsurance has occurred, which loss or decrease, at the time of cancellation, shall be certified to the Insurance Commissioner as directly affecting in-force policies. Notice of cancellation will be mailed or delivered at least 60 days before the effective date of cancellation e. Material failure to comply with policy terms, conditions or contractual duties. Notice of cancellation will be mailed or delivered at least 60 days before the effective date of cancellation. f. Other reasons that the Insurance Commissioner may approve. Notice of cancellation will be mailed or de livered at least 60 days before the effective date of cancellation. This policy mav also be cancelled from In ception upon discovery that the policy was obtained through fraudulent statements, omissions or concealment of facts material to the acceptance of the risk or to the hazard assumed by us. IL 02 46 06 89 Copyright, Insurance Services Office, Inc., 1986, 1989 Copyright, ISO Commercial Risk Services, Inc., 1986, 1989 Page 1 of 2 GLD054787 0049-GLD-000054787 4. We will mail or deliver our notice to the first Named insured's last mailing address known to us. Notice of cancellation will state the specific reasons for cancellation. 5. Notice of cancellation will state the ef fective date of cancellation. The policy period will end on that data 6. If this policy is cancelled we will send the first Named Insured any premium re fund dua If we cancel tne refund will be pro rata and will be returned within 10 business days after the effective date of cancellation. If the first Named Insured cancels, the refund may be less than pro rate and will be returned within 30 days after the effective date of cancellation. The cancellation will be effective even if we have not made or offered a refund. 7. if notice is mailed, it will be by registered or first class mail. Proof of mailing will be sufficient proof of notice B. The following are added and supersede any provisions to the contrary: 1. NONRENEWAL If we decide not to renew this policy, we will mail or deliver written notice of nonrenewal, stating the specific reasons for nonrenewal to the first Named Insured at least 60 days before the expiration date of the policy. Z. INCREASE OF PREMIUM If we increase your renewal premium, we will mail or deliver to the first Named In sured: a. Written notice of our intent to in crease the premium at least 60 days before the effective date of the pre mium increase; and b. An estimate of the increase at least 30 days before the effective date of premium increase Any notice of nonrenewa! or renewal premium increase will be mailed or delivered to the first Named Insured's last known address. If notice is mailed, it will be by registered or first class mail. Proof of mailing will be sufficient proof of notice Page 2 of 2 Copyright. Insurance Services Office, Inc, 1986, 1989 IL 02 46 06 89 Copyright, ISO Commercial Risk""Services, inc,, 1986, 1989 GLD054788 0049-GLD-000054788 ENDORSEMENT This endorsement, effective 12:01 A.M. 10/01/92 forms a part of policy No. GL 326-51-89 issued to HANSON INDUSTRIES by NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. PENNSYLVANIA EMPLOYEE BODILY INJURY EXCLUSION It is hereby agreed that in the State of Pennsylvania exclusion (e) relating to bodily injury to any employee is replaced by the following: (e) "Bodily Injury" to: (1) any employee of the insured arising out of and in the course of employment by the insured; (2) a past, present or prospective employee of the insured, arising from any employment action, practice or policy of the insured including but not limited to that on hiring or firing, promotion or demotion, performance evalu ation, compensation, disciplinary action, retirement, layoff or transfer, or (3) any relative or member of the family of that past, present, or prospective employee as a consequence of (1) or (2) above. This exclusion applies: (1) whether the insured may be held liable as an employer or because of bodily injury to your employee that arises out of and in the course of employment, claimed against you in a capacity other than as employer. (2) to any obligation to share damages with or repay someone else who must pay damages because of the injury. 46463(9/87) AUTHORIZED REPRESENTATIVE GLD054789 0049-GLD-000054789 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PENNSYLVANIA CHANGES - PESTICIDE APPLICATOR AND DEALER COVERAGE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART With respect to the saie or use of pesticides, paragraph (1)(d)(i) of exclusion f. of COVERAGE A {Section I) does not apply if you and your employees are licensed or certified by a federal or state agency to sell or use pesticides. The term pesticides refers to restricted use pesticides as defined in the Pennsylvania Pesticide Control Act of 1973. CG 26 16 03 91 Copyright insurance Services Office, Inc.. 1990 O GLD054790 0049-GLD-000054790 THIS ENDORSEMHYT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SOUTH CAROLINA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of CANCELLATION Common Policy Condition are replaced by the following: 2. We may cancel this policy by mailing or delivering to the first Named Insured and the agent, if any, written notice of can cellation at feast a. 70 days before the effective date of cancellation if we cancel for nonpay ment of premium; or b. 30 days before the effective date of cancellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's and agents last known addresses. B. The following is added to the CANCELLA TION Common Policy Condition: 7. CANCELLATION OF POLICIES IN EFFECT FOR 90 DAYS OR MORE If this policy has been in effect for 90 days or more, or is a renewal or con tinuation of a policy we issued, we may cancel this policy only for one or more of the following reasons: a. Nonpayment of premium; b. Material misrepresentation of fact which, if known to us, would have caused us not to issue the policy; c. Substantial change in the risk assumed, except to the extent that we should reasonably have foreseen the change or contemplated the risk in writing the policy; d. Substantial breaches of contractual duties, conditions or warranties; or e. Loss of our reinsurance covering ail or a significant portion of the partic ular policy insured, or where contin uation of the policy would imperil our solvency or place us in violation of the insurance laws of South Carolina. Prior to cancellation for reasons per mitted in this item e, we will notify the Commissioner, in writing, at least sixty davs prior to such cancellation and the Commissioner will, within thirty days of such notification, approve or disapprove such action. Any notice of cancellation will state the precise reason for cancellation C. The following is added and supersedes any provisions to the contrary: NONRENEWAL t. If we decide not to renew this policy, we will mail or deliver written notice of nonrenewal to the first Named Insured and agent, if any, at least 30 days before; a. The expiration date of this policy, if the policy is written for a term of one year or less; or IL 02 49 06 69 Copyright insurance Services Office, Inc., 1986, 1989 Copyright, ISO Commercial Risk Services, Inc., 1986. 1989 Page 1 of 2 N17556.37 GLD054791 0049-GLD-000054791 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SOUTH DAKOTA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of CANCELLATION Common Policy Condition is replaced by the following: 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 20 days before the effective date of can cellation. After 60 days from the effective date of policy issuance a notice of cancellation may not be issued unless it is based upon at (east one of the following reasons as stated in South Dakota law: (1) Nonpayment of premium; 12) Discovery of fraud or material mis representation made by or with the knowledge of the Named insured in obtaining the policy, continuing the policy, or in presenting a claim under the policy; (3) Discovery of acts or omissions on the part of the Named Insured which in crease any hazard insured against; (4) The occurrence of a change in the risk which substantially increases any haz ard insured against after insurance coverage has been issued; (5) A violation of any local fire, health, safety, building or construction regu lation or ordinance with respect to any insured property or the occupancy thereof which substantially increases any hazard insured against; (6) A determination by the director of insurance that the continuation of the policy would jeopardize our solvency or would place us in violation of the insurance laws of South Dakota; (7) Your violation or breach of any policy terms or conditions; or (8) Such other reasons as are approved by the director of insurance. B. The following condition is added and su persedes any provisions to the contrary: NONRENEWAL 1. If we decide not to renew this policy, we will mail or deliver to the first Named Insured written notice of nonrenewal not less than 30 days before: a. The expiration date; or b. The anniversary date if this is a con tinuous policy. 2. Any notice of nonrenewai wilt be mailed or delivered to the first Named Insured's last mailing address known to us. If notice is mailed, proof of mailing will be suffi cient proof of notice IL 02 32 01 89 Copyright, Insurance Services Office, Inc., 1985, 1989 N17556.38 GLD054792 0049-GLD-000054792 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TENNESSEE CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL CRIME COVERAGE PART* COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART * This endorsement does not apply to coverage provided for employee dishonesty (Coverage Form A) or public employee dishonesty (Coverage Forms O and Pi. A. The following is added to the CANCELLA TION Common Policy Condition: CANCELLATION OF POLICIES IN EFFECT FOR 60 DAYS OR MORE. If this policy has been in effect for 60 days or more, or if this policy is a renewal of a policy we issued, we may cancel this policy only for one or more of the following rea sons: 1. Nonpayment of premium, including any additional premium, calculated in accord ance with our current rating manual, jus tified by a physical change in the insured property or a change in its occupancy or use; 2. Your conviction of a crime increasing any hazard insured against; 3. Discovery of fraud or material misrepre sentation on the part of either of the following: a. You or your representative in obtaining this insurance; or b. You in pursuing a claim under this policy; 4. Failure to comply with written loss con trol recommendations; 5. Material change in the risk which in creases the risk of toss after we issued or renewed insurance coverage; 6. Determination by the insurance commis sioner that the continuation of the policy would jeopardize our solvency or would place us in violation of the insurance laws of Tennessee or any other state; 7. Your violation or breach of any policy terms or conditions; or 8. Other reasons that are approved by the insurance commissioner. Notice of cancellation will state the reason for cancellation. B. The following is added and supersedes any provisions to the contrary: NONRENEWAL 1. If we decide not to renew this policy, we will mail or deliver written notice of nonrenewal to the first Named Insured and agent, at least 60 days before the expiration date unless: a. We have offered to issue a renewal policy; or b. You have obtained replacement cov erage or have agreed in writing to obtain replacement coverage. 2. Any notice of nonrenewal will be mailed or delivered to the first Named Insured's and agents addresses shown in the policy. If notice is mailed, proof of mailing will be sufficient proof of notica IL 02 50 02 89 Copyright, insurance Services Qffice, Inc., 1966, 1989 Copyright ISO Commercial Risk Services, Inc., 1986, 1989 O N17556.39 GLD054793 0049-GLD-000054793 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UTAH CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL AUTOMOTIVE COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS COVERAGE PART A. The following is added to the CANCELLA TION Common Policy Condition; 7. If this policy has been in effect for more than 60 days or if this is a renewal of a policy we issued, we may cancel this policy only for one or more of the fol lowing reasons: (1) Nonpayment of premium; (2) Material misrepresentation; (3) Substantial change in the risk assumed unless we should reasonably have foreseen the change or contemplated the risk when entering the contract or {4} Substantial breaches of contractual duties, conditions or warranties. If we cancel for nonpayment of premium, notice of cancellation must state the reason for cancellation. 8. Notice of cancellation must be delivered or mailed by first class mail. B. The following is added and supersedes any provisions to the contrary: NONRENEWAL 1. If we elect to not renew this policy, we will mail, by first class mail, written notice of nonrenewal to the first Named Insured, at the last mailing address known to us, at least 30 days before the expiration or anniversary date of this policy. 2. We need not mail this notice if: a. You have accepted replacement cov erage; b. You have requested or agreed to nonrenewal; or o. This policy is expressly designated as nonrenewable. 3. If notice is mailed, proof of mailing is sufficient proof of notice. IL 02 66 02 87 Copyright, Insurance Services Office. Inc., 1986 Copyright, ISO Commercial Risk Services, Inc., 1986 M7556.4 GIiD054794 0049-GLD-000054794 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UTAH CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The Legal Action Against Us Condition does not apply. Any Condition titled: Duties in the Event of Occurrence, Claim or Suit Duties in the Event of Injury, Claim or Suit Duties in the Event of A Pollution Incident, Claim or Suit Insured's Duties in the Event of a Loss requiring notice to us is amended to include: "Notice to our authorized representative is notice to us." CG 01 86 09 88 Copyright Insurance Services Office, Inc.. 1987 Q GLD054795 0049-GLD-000054795 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VERMONT CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The CANCELLATION Common Policy Condi tion is replaced by the following: CANCELLATION 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. Cancellation of Policies in Effect for Less than 60 Days. If this policy has been in effect for less than 60 days and this policy is not a re newal of a policy we issued, we may cancel this policy by: a. Giving the first Named Insured at least 15 days' notice prior to the cancella tion date for nonpayment of premium or substantial increase in hazard; or b. Mailing or delivering the first Named Insured at least 45 days' notice prior to the cancellation date for any other reason. If cancellation is for nonpayment of premium, written notice may be sent by certificate of mailing or certified mail, ft cancellation is for any reason other than nonpayment of premium, written notice must be sent by certified mail. 3. Cancellation of Policies in Effect For 60 Days or More If this policy has been in effect for 60 days or more, or if this is e renewal of a policy we issued, we may cancel this policy only for one or more of the fol lowing reasons: a. Nonpayment of premium; b. Fraud or material misrepresentation affecting this policy or in the presen tation or claims under this policy; c. Violation of any provisions of this policy; or d. Substantial increase in hazard, provided we have secured approval for the cancellation from the commissioner of insurance. If we cancel this policy for one of the reasons specified in paragraph 3., we will cancel only in the following manner a. By giving at least 15 days' notice be fore the effective date of cancellation if we cancel for nonpayment of pre mium; or b. By mailing or delivering at least 45 days' notice before the effective date of cancellation if we cancel for any other reason. Written notice of cancellation, including the reason for cancellation, will be mailed or delivered to the first Named Insured at the first Named Insured's last mailing address known to us. If cancellation is for nonpayment of premium, written notice may be sent by certificate of mailing or certified mail. If cancellation is for any reason other than nonpayment of premium, written notice must be sent by certified mail. 4. Notice of cancellation will state the ef fective date of cancellation. The policy period will end on that date. IL 02 19 03 91 Copyright Insurance Services Office, Inc., 1991 Copyright ISO Commercial Risk Services, Inc., 1991 Page 1 of 2 N17556.41 GLD054796 0049-GLD-000054796 POLICY NUMBER: GL 326-51-89 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VERMONT CHANGES - POLLUTION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM (OCCURRENCE VERSION) Schedule Pollution Liability Aggregate Limit S A. The following is added to COVERAGES (Section 1): COVERAGE D. POLLUTION BODILY INJURY AND PROPERTY DAMAGE 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury" or "property damage" included within the "pollution liability hazard" to which this insurance applies. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly pro vided for under SUPPLEMENTARY PAY MENTS. The "bodily injury" or "property damage" must occur during the policy period. The "bodily injury" or "property damage" must be caused by an "occur rence? The "occurrence" must take place in the "coverage territory." We will have the right and duty to defend any "suit' seeking those damages. But <1) The amount we will pay for damages is limited as described in SECTION III - LIMITS OF INSURANCE: (2) We may, at our discretion, investigate any "occurrence" and settle any claim or "suit" that may result; and (3) Our right and duty to defend end when we have used up the Pollution Liability Aggregate Limit in the payment of judgments or settlements. b. This insurance applies to "bodily injury" and "property damage" only if a claim for damages because of the "bodily injury" or "property damage" is first made against any mured during the policy period (1) A claim by a person or organization seeking damages will be deemed to have been made when notice of such claim is received and recorded by any insured or by us, whichever comes first. (2) All claims for damages because of "bodily injury" to the same person, in cluding damages claimed by any person or organization for care, loss of ser vices, or death resulting at any time from the ''bodily injury," will be deemed to have been made at the time the first of those clams is made against any insured. (3) All claims for damages because of 'property damage" causing loss to the same person or organization as a re sult or an "occurrence" will be deemed to have been made at the time the first of those ciaims is made against any insured. (4) All claims for injury or damage arising out of a discharge, release or escape of pollutants, including all injury or damage arising out or all subsequent exposure of persons and property to such pollutants, shall be deemed to have been made at the time the first of those claims is made against any insured 2. Exclusions This insurance does not apply to: a. "Bodily injury" or "property damage" ex pected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to protect per sons or property. b. "Bodily injury" or "property damage" for which the insured is obligated to pay damages by reason of the assumption or liability in a contract or agreement This exclusion does not apply to liability for damages: (1) Assumed in a contract or agreement that is an "insured contract;" or (2) That the insured would have in the absence of the contract or agreement CG 01 54 01 87 Copyright, Insurance Services Office. Inc., 1986 Page 1 of 3 O GLD054797 0049-GLD-000054797 (a} premises you own, rent or occupy; or (b) any site or location on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations. COMMERCIAL GENERAL LIABILITY Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, includ ing smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste Waste in cludes materials to be recycled, recondi tioned or reclaimed. CG Qt 54 01 87 Copyright, Insurance Services Office. Inc., 1986 Page 3 of 3 GLD054798 0049-GLD-000054798 THIS ENDORSEMENT CHANGES THE POUCY. PLEASE READ IT CAREFULLY. VERMONT CHANGES - STATUTORY LIABILITY This endorsement modifies insurance provided under the following: 80ILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL CRIME - SAFE DEPOSITORY LIABILITY COVERAGE FORM COMMERCIAL CRIME - LIABILITY FOR GUEST'S PROPERTY PREMISES COVERAGE FORM COMMERCIAL CRIME - LIABILITY FOR GUESTS PROPERTY SAFE DEPOSIT BOX COVERAGE FORM COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY - LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY - MORTGAGE HOLDER'S ERRORS AND OMISSIONS COVERAGE FORM FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART A. In addition to paying and satisfying judicial judgments rendered against you* in conseuence of claims to which this Coverage art applies, we will protect you* against tne levy of executions issued on such judgments or claims against you*. B. We may, without your* consent, continue litigation after a judgment has been rendered with respect to your* legal liability under this Coverage Part for damages in particular instanca in that event, no limitation of our li ability will be valid where the matter of that litigation is concerned. C. Under Coverage Forms to which this endorsement applies any legal action against us to recover for loss under this Coverage Part must be brought within one year after amount of loss is finally established The amount of loss can be established only by: 1. Judicial judgment; or 2. An agreement between the parties in volved with our written consent D. In the event of your* bankruptcy or insolvency, an injured person or claimant who has obtained a judgment against you* may bring suit against us, provided: 1. The judgment was for damages covered by this policy; and 2. The suit is for damages in amounts no greater than the applicable Limits of In surance of this policy. EL Payment by you* of any judicial judgment or claim for any of our liability under this Coverage Part will not deprive you* of the right to bring action against us. * For the Businessowners Policy, Commercial General Liability Coverage Part. Farm Cover age Part, Liquor Liability Coverage Part, Owners and Contractors Protective Liability Coverage Part, Pollution Liability Coverage Part, Products/ Completed Operations Liabil ity Coverage Part and Railroad Protective Liability Coverage Part, the word "you" is replaced by the term "the insured" and the word "your" is replaced by the term "the insured's." IL 01 26 11 85 Copyright Insurance Services fifties, Inc., 1984 Copyright, ISO Commercial Risk Services, Inc., 1984 GLD054799 0049-GLD-000054799 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VIRGINIA CHANGES - CANCELLATION This endorsement modifies insurance provided under the following COMMERCIAL CRIME - SAFE DEPOSITORY LIABILITY COVERAGE FORM COMMERCIAL CRIME - LIABILITY FOR GUESTS' PROPERTY - PREMISES COVERAGE FORM COMMERCIAL CRIME - LIABILITY FOR GUESTS' PROPERTY - SAFE DEPOSIT BOX COVERAGE FORM COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs Z and 3. and 5. of the CAN CELLATION Common Policy Condition are replaced by the following. 2. We may cancel this policy by mailing or delivering to you written notice of can cellation stating the reason for cancella tion at least a. 15 days before the effective date of cancellation if we cancel for nonpay ment of premium; or b. 45 days before the effective date of cancellation if we cancel for any other reason. 3. We will send written notice by registered or certified mail or deliver written notice to your last mailing address known to us. 5. If this policy is cancelled, we will send the first Named insured any premium re fund due. if we cancel, the refund will be pro rata If the first Named Insured cancels, the refund will generally be 90% of pro rata. The cancellation will be ef fective even if we have not made or offered a refund B. The following is added and supersedes any other provision to the contrary: NONRENEWAL 1. If we elect not to renew this policy, we will mail or deliver a notice of nonrenewal to you, stating the reason for nonrenewal, at least a. 15 days before the expiration date if the nonrenewal is due to nonpayment of premium; or b. 45 days before the expiration date if the nonrenewal is for any other rea son. 2. We will send written notice by registered or certified mail or deliver written notice of nonrenewal to your last mailing ad dress known to us. IL 01 38 10 86 Copyright, Insurance Services Office, Inc., 1986 N17556.42 GLD054800 0049-GLD-000054800 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VIRGINIA CHANGES - AUTO/MOBILE EQUIPMENT AND NONOWNED WATERCRAFT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART 1. Definition 2. "Auto" of DEFINITIONS is re placed by the following: "auto" means a land motor vehicle, trailer or semitrailer designed for travel on public roads (including anv machinery or apparatus attached thereto), but does not include mobile equipment; 2. Definition 8. "Mobile Equipment' of DEFI NITIONS is replaced by the following: 'mobile equipment" means a land vehicle (including any machinery or apparatus at tached thereto), whether or not selfpropelled, (1) not subject to motor vehicle registration, or (2) maintained for use exclusively on premises owned by or rented to you, including the ways imme diately adjoining, or (3) designed for use principally off public roads, or (4) de signed or maintained for the sole purpose of affording mobility to equipment or the following types forming an integral part of or permanently attached to such ve hicle; power cranes, shovels, loaders, diggers and drills; concrete mixers (other than the mix-in transit-type); graders, scrapers, rollers and other road construction or repair equipment; air-compressors, pumps and generators, including spraying, welding and building cleaning equipment; and geophysical exploration and well servicing equipment. 3. Paragraph (4) of Exclusion g. of COVERAGE A (Section 1) is replaced by the following: (4) Liability assumed under any ''insured con tract" for the ownership, maintenance or use of aircraft, watercraft or "autos;" or 4. Paragraph (5) of exclusion g. of COVERAGE A (Section I) does not apply. 5. The following is added to WHO IS AN IN SURED (Section II): (5) With respect to watercraft that you do not own that is less than 26 feet long and is not being used to carry persons or property for a charge, any person is an insured while operating such watercraft with your permission. CG 01 79 02 87 Copyright, Insurance Services Office, Inc.. 1986 GLD054801 0049-GLD-000054801 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VIRGINIA CHANGES This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2., 3. and 5. of the CANCELLA TION Common Policy Condition is replaced by the following: 2. We may cancel this policy by mailing or delivering to you written notice of can cellation, stating the reason for cancella tion, at least a. 15 days before the effective date of cancellation if we cancel for nonpay ment of premium; or b. 45 days before the effective date of cancellation if we cancel for any other reason. 3. We will mail or deliver written notice to your last mailing address known to us. If notice is mailed, it will be sent by ordinary mail for which a Certificate of Mailing has been obtained, or by registered or certified mail. 5. a. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund will be 90% of pro rata unless otherwise specified in our filed manual rules. The cancellation will be effective even if we have not made or offered a refund b. We will send any premium refund to the first Named Insured B. The following is added to the CANCELLA TION Common Policy Condition with respect to the Farm Property Coverage Form: If the Farm Property Coverage Form covers an owner-occupied dwelling and is a renewal with us (or if not a renewal, has been in effect for 90 days or more), we may cancel such Coverage Form only for one or more of the following reasons: 1. Failure to pay the premium when due; 2. Conviction of a crime arising out of acts increasing the probability that a peril in sured against will occur; 3. Discovery of fraud or material misrepre sentation; 4. Willful or reckless acts or omissions in creasing the probability that a peril in sured against will occur as determined from a physical inspection of the insured premises; or 5. Physical changes in the property which result in the property becoming uninsurable as determined from a physical inspection of the insured premises. C. The last paragraph of the INSPECTIONS AND SURVEYS Common Policy Condition is re placed by the following This Condition applies not only to us, but also to any rating, advisory, rate service or similar organization which makes in surance inspections, surveys, reports or recommendations on our behalf. D. The following is added and supersedes any other provision to the contrary: NONRENEWAL 1. If we elect not to renew this policy, we will mail or deliver a notice of nonrenewal to you, stating the reason for nonrenewaL at least a. 15 days before the expiration date if the nonrenewai is due to nonpayment of premium; or b. 45 days before the expiration date if the nonrenewal is for any other rea son. 2. We will mail or deliver written notice of nonrenewal to your last mailing address known to us. If notice is mailed, it will be sent by ordinary mail for which a Certificate of Mailing has been obtained, or by registered or certified mail. IL 01 52 09 89 Copyright, Insurance Services Office, Inc., 1987, 1989 Copyright ISO Commercial Risk Services, Inc., 1987, 1989 Page 1 of 4 GLD054802 0049-GLD-000054802 3. If this policy covers an owner-occupied dwelling under the Farm Property Cover age Form and is written for a policy period of less than one year, we will not refuse to renew such Coverage Form except as of the expiration date of a policy period which coincides with the end of an annual period commencing with its original effective date. E. For insurance provided under the COMMER CIAL PROPERTY or FARM COVERAGE PART, the following are added to the APPRAISAL Loss Condition and supersede any provision to the contrary: a. You and we must notify die other of the appraiser selected within 20 days of the written demand for appraisal. b. If the appraisers do not agree on the selection of an umpire within 15 days, they must request selection of an umpire by a judge of a court having jurisdiction. c. If we make written demand for an appraisal of the loss, we will pay you for the reasonable cost of your cho sen appraiser, and for your portion of the cost of the umpire F. Paragraph a. of the DUTIES IN THE EVENT OF LOSS OR DAMAGE Loss Condition: 1. Does not apply under the COMMERCIAL PROPERTY COVERAGE PART, and 2. Is replaced in the FARM PROPERTY COVERAGE FORM, MOBILE AGRICUL TURAL MACHINERY AND EQUIPMENT COVERAGE FORM and LIVESTOCK COV ERAGE FORM by the following: a. Notify the police in the event of theft G. For insurance .provided under the COMMER CIAL PROPERTY COVERAGE PART, the fol lowing applies to the Value Reporting Form: Subparagraph a (1) of paragraph 4. Failure to Submit Reports is replaced by the fol lowing: (1) We will not pay more than 90% of the amount we would otherwise have paid; and H. For insurance provided under the following Coverage Parts: COMMERCIAL GENERAL LIABILITY POLLUTION LIABILITY PRODUCTS/COMPLETED OPERATIONS LIABILITY The definition "AUTO" of DEFINITIONS is replaced by the following. "auto" means a land motor vehicle, trailer or semitrailer designed for travel on public roads (inciuding any machinery or apparatus attached thereto), but does not include mobile equipment; I. For insurance provided under the following'. COMMERCIAL GENERAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART or FARM LIABILITY COVERAGE FORM The definition "MOBILE EQUIPMENT" of DE FINITIONS is replaced by the following "mobile equipment" means a land vehicle (inciuding any machinery or apparatus at tached thereto), whether or not selfpropelled (1) not subject to motor vehicle registration, or (2) maintained for use exclusively on premises owned by or rented to you, including the ways imme diately adjoining or (3) designed for use principally off public roads, or (4] de signed or maintained for the sole purpose of affording mobility to equipment or the following types forming an integral part of or permanently attached to such ve hicle: power cranes, shovels, loaders, diggers and drills; concrete mixers (other than the mix-in-transit-type); graders, scrapers, rollers and other road con struction or repair equipment aircompressors, pumps and generators, including spraying, welding and building cleaning equipment; and geophysical ex ploration and well servicing equipment Page 2 of 4 Copyright, Insurance Services Qffice, Inc.. 1987, 1989 IL 01 52 09 89 Copyright ISO Commercial Risk Services, Inc., 1967, 1989 GLD054803 0049-GLD-000054803 J. For insurance provided under the COMMER CIAL GENERAL LIABILITY COVERAGE PART the following applies; 1. Paragraph (4) of Exclusion a of COVER AGE A {Section I) is replaced by the following (4) Liability assumed under any "insured contract' for the ownership, mainte nance or use of aircraft, watercraft or "autos;'' or 2. Paragraph {5) of exclusion g. of COVER AGE A (Section I) does not apply. 3. The following is added to WHO IS AN INSURED (Section II): {5) With respect to watercraft that you do not own that is less than 26 feet long and is not being used to carry persons or property for a charge, any person is an insured while operating such watercraft with your permission. K. Under Section D. Additional Coverages, in the FARM PROPERTY COVERAGE FORM No deductible applies to O.3., Cost of Re storing Farm Operations Records, or to D.4., Extra Expense. L. Under EXCLUSIONS in the FARM PROPERTY COVERAGE FORM, MOBILE AGRICULTURAL MACHINERY AND EQUIPMENT COVERAGE FORM and LIVESTOCK COVERAGE FORM, the Intentional Loss exclusion is replaced by the following; We do not provide coverage for an "insured" who commits or directs an act with the in tent to cause a loss. M. In the FARM PROPERTY COVERAGE FORM, the following Loss Condition pertaining to valuation of property is added: In the event of loss of or damage to awnings, carpeting domestic appliances or outdoor equipment whether or not attached to buildings, we will settle at actual cash value, but wilt not pay more than the amount necessary for repair or replacement N. In the FARM PROPERTY COVERAGE FORM Coverage C - Household Personal Properfy/3. Special Limits of Insurance Under Coverage C Paragraphs a. f. and g are replaced by the folic.ving: a $200 on gold other than goldware or goldplated ware, "money," platinum, and silver other than silverware or silverplated ware; f. (1) $2,500 on property, on the "residence premises," used at any time or in any manner for any business purpose other than farming; (2) $250 on an "insured's" property, off the "residence premises, that is used at any time or in any manner for any business purpose other than farming g. In the event of loss by theft (1) $1,000 on furs, jewelry, precious and semi-precious stones, and watches; (2) $2,500 or. goldware, goldplated ware and pewterware; this property includes platedware, flatware, hollowware, tea sets, trays, trophies and the like; also other utilitarian items made of or containing gold or pewter; and (3) $2,000 on firearms. O. Under item B.3. Covered Causes of Loss SPECIAL, in the FARM PROPERTY COVERAGE FORM, paragraph c. is replaced by the fol lowing e. The Covered Causes of Loss - SPECIAL do not apply to loss of or damage to (1) "Livestock;" (2) ''Poultry;'1 {3} Bees; {4) Fish; (5) Worms; (8) Other animals; {7) Hay; or (8) Trees, shrubs, plants or lawns. P. In the FARM PROPERTY COVERAGE FORM, paragraph b. of Loss Condition 8., Other In surance, is replaced by the following b. If there is other insurance covering the same loss or damage, other than that described above in paragraph 3 a, we will pay only for the amount of covered loss or damage in excess of the amount due from that other insurance, whether you can collect on it or not But we will not pay more than the applicable Limit of Insurance. a In the FARM LIABILITY COVERAGE FORM, under Section 1 - Coverages/Additional Coverages, paragraph b. <of item 1. Supple mentary Payments - Coverages H and I) is replaced by the following; b. Up to $250 for cost of bail bonds re quired because of accidents or traffic law violations arising out of the use of any vehicle to which Coverage H applies. We do not have to firnish these bonds. IL 01 52 09 89 Copyright, Insurance Services Office, Inc., 1987, 1989 Copyright ISO Commercial Risk Services, Inc., 1987, 1989 Page 3 of 4 61.0054804 0049-GLD-000054804 R. In the FARM LIABILITY COVERAGE FORM, the second paragraph of item 3. of Section il Limits or Insurance is replaced by the fol lowing included within the Each Occurrence Limit is a special Limit of Insurance of SI0,000, which is the most we will pay for all dam ages (except those damages excluded by means of 2.e.(2l and 2.f.(2f of SECTION I Coverage H, Exclusions) that the "insured" becomes legally obligated to pay because of statutorily imposed vicarious parental li ability. Page 4 of A Copyright Insurance Services Office, Inc., 1987, 1989 IL 01 52 09 89 Copyright ISO Commercial Risk Services. Inc., 1987, 1989 GLD054805 0049-GLD-000054805 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WISCONSIN CHANGES - AMENDMENT OF POLICY CONDITIONS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART 1. The following is added to the CANCELLA TION Common Policy Condition 7. If this Coverage Part has been in effect for 60 days or more or is a renewal, except as provided in paragraph 8. below, we may cancel this Coverage Part only for one or more of the following rea sons: a. Nonpayment of premium; b. Material misrepresentation; but only if tie notice of termination contains an offer to continue this Cov erage Part with us if we receive a written request from the first Named Insured prior to the termination date. 2. The following is added to CHANGES (Cornmon Policy Conditions): If one of our agents knows of a fact that breaches a condition of this Coverage Part, we will be considered to have knowledge of this same fact if: c. Substantial change in the risk assumed except to the extent that we should have foreseen the change or contem- Plated the risk in writing this Coverage art; or d. Substantial breaches of contractual duties, conditions or warranties. This agreement will apply to each suc cessive policy period for which we consent to renew or continue this Cov erage Part a. The agent knows of this fact at the time the Coverage Part is issued or an appli cation is made; or b. The agent later learns of this fact in the course of his dealings as an agent with you. Any fact that breaches a condition of this Coverage Part and is known to the agent prior to loss shall not void the Coverage Part or prevent a recovery in the event of loss. 8. We are not obligated to renew or con tinue this Coverage Part beyond the ex piration date of any annual period beginning with its original effective date, provided that if this Coverage Part is written: a. Without a fixed expiration date; or b. For a policy period of longer than one year. 3. The LEGAL ACTION AGAINST US Condition (Section IV) does not apply. 4. The following is added to Condition 6. REPRESENTATIQNS (Section IV): No misrepresentation or breach of affirma tive warranty made by you or on your behalf in the negotiation of this Coverage Part af fects our obligation under this Coverage Part unless: we may terminate this Coverage Part ef fective on the expiration of any such annual period by mailing or delivering to the first Named insured written notice of such termination not less than 60 days prior to the expiration of such annual period if notice is mailed, proof of mailing wiil be sufficient proof of notice. Even if we have not complied with the above provisions, this Coverage Part will end on the effective date or any other insurance policy issued as a replacement for any insurance afforded by this Cov erage Part with respect to any such in surance to which bom such policies apply. a. We rely on it and it is either material or made with intent to deceive; or b. The facts misrepresented or falsely war ranted contribute to the loss. No failure of a condition before the loss and no breach of a promissory warranty affects our obligation under this Coverage Part unless such failure or breach: We may terminate this Coverage Part because of termination of an insurance marketing intermediary's contract with us, CG 01 24 01 87 Copyright, Insurance Services Office, Inc., 1984, 1986 Page 1 of 2 O N17556.43 GLD054806 0049-GLD-000054806 a. Exists at tine time of the loss; and b. Either increases the risk at the time of the loss or contributes to the loss. The provisions of this condition do not apply to nonpayment of premium. 5. Condition 8. TRANSFER OF RIGHTS OF RE COVERY AGAINST OTHERS TO US (Section IV) is replaced by the following: In the event of any payment under this Coverage Part we will be entitled to the insured^ rights of recovery against any person or organization and the insured will do whatever ts necessary to secure such rights We will be entitled to a recovery only after the insured has been fully compensated for damages. 6. Any WHEN WE DO NOT RENEW Condition (Section IV) is deleted The following Condition is added: WHEN WE DO NOT RENEW If we decide not to renew this Coverage Part, we will mail or deliver to the first Named Insured shown in tine Declarations written notice of the nonrenewal not less than 60 days before the expiration date. Even if we do not comply with these terms, this Coverage Part will terminate: 1. On the expiration date, if the first Named Insured has notified us that he does not want to renew this Coverage Part; or 2. On the effective date of any other in surance policy issued as replacement for any insurance afforded by this Coverage Part, with respect to insurance to which both policies apply. We may refuse to renew this Coverage Part because of termination of an insurance marketing intermediary's contract with us, but only if the notice of nonrenewal contains an offer to renew this Coverage Part with us if we receive a written request from the first Named Insured prior to the renewal date. If you fail to pay the renewal or continuation premium by the premium due date, this policy will terminate on the policy expiration or anniversary date, if we have: 1. Given you written notice of the renewal or continuation premium, not more than 60 days nor less than 10 days prior to the due date of the premium; and 2. Stated clearly in the notice the effect of nonpayment of premium by the due date. If notice is mailed proof of mailing will be sufficient proof of notice. Page 2 of 2 Copyright, Insurance Services Office, Inc., 1984, 1986 CG 01 24 01 87 GLD054807 0049-GLD-000054807 IL 02 74 08 90 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL CRIME COVERAGE PART* COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART * This endorsement does not apply to coverage provided for employee dishonesty Coverage Form A), forgery or alteration {Coverage Form Bj. or public employee dishonesty (Coverage Forms 0 and P). A. 'A/hen this endorsement is attached to the STANDARD PROPERTY POLICY CP 00 99 the term Commercial Property Coverage Part in this endorsement also refers to the Standard Property Policy. B. With respect to the: BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POUCY COMMERCIAL CRIME COVERAGE PART - EXCEPT COVERAGE FORMS A AND B COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY - LEGAL LIABILITY COVERAGE FORM CP 00 40 COMMERCIAL PROPERTY - MORTGAGE HOLDERS ERRORS AND OMISSIONS COVERAGE FORM CP 00 70 FARM LIABILITY COVERAGE FORM LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART; the following Cancellation and Nonrenewal provisions apply: 1. Paragraph 2. of the CANCELLATION Common Policy Condition is replaced by the following 2. We may cancel this policy by mailing or delivering to the first Named In sured written notice of cancellation, stating the actual reason for cancella tion, at least a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; b. 30 days before the effective date of cancellation if cancellation is for one or more of the following rea sons: (1) Fraud or material misrepresen tation affecting this policy or a claim filed under this policy or a violation of any of the terms or conditions of this policy; (2) Changes in conditions after the effective date of this policy which have materially increased the risk assumed; (3) We become insolvent or, (4) We involuntarily lose reinsurance for this policy. e. 60 days before the effective date of cancellation if we cancel for any other reason. IL 02 74 08 90 Copyright, Insurance Services Office, Inc., 1987, 1990 Copyright. ISO Commercial Risk Services, Inc, 1987, 1990 Page 1 of 2 O N17556.44 6LD054808 0049-GLD-000054808 COMMERCIAL GENERAL LIABILITY CG 26 25 08 92 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES - GUARANTY ASSOCIATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART Missouri Property and Casualty Insurance Guar anty Association Coverage Limitations A. Subject to the provisions of the Missouri Property and Casualty Insurance Guaranty Association Act {to be referred to as the Act), if we are a member of the Missouri Property and Casualty Insurance Guaranty Association (to be referred to as the Asso ciation), the Association will pay claims covered under the Act if we become insol vent B. The Act contains various exclusions, condi tions and limitations that govern a claimant's eligibility to collect payment from the As sociation and affect the amount of any payment The following limitations apply subject to all other provisions of the Act 1. Claims covered by the Association do not include a claim by or against an insured of an insolvent insurer, if the insured has a net worth of more than 525 million on the date the insurer becomes insolvent If the insured prepares an annual report to shareholders, or an annual report to management reflecting net worth, then such report for the fiscal year imme diately preceding the date of insolvency of the insurer will be used to determine net worth. 2. Payments made by the Association for covered claims will include only that amount of each claim which is: a. In excess of $100; and b. Less than $300,000. However, the Association will not <1) Pay an amount in excess of the applicable limit of insurance of the policy from which a claim arises; or (2) Return to an insured any unearned premium in excess of $10,000. These limitations have no effect on the cover age we will provide under this policy. CG 26 25 08 92 Copyright, Insurance Services Office, Inc., 1992 GLD054809 0049-GLD-000054809 POLICY NUMBER: GL 326-51-89 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CANCELLATION BY US This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART Number of Days 60 SCHEDULE (If no entry appears above, information required to complete this Schedule will be shown in the Declarations as applicable to this endorsement! Paragraph 2. of CANCELLATION [Common Policy Conditions) is replaced by the following 2. We may cancel this Coverage Part by mailing or delivering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancellation if we cancel for non payment of premium: or b. The number of days shown in the Schedule before the effective date of cancellation if we cancel for any other reason. CG 02 12 11 85 Copyright, Insurance Services Office, Inc., 1984 N17556.45 GLD054810 0049-GLD-000054810 POLICY NUMBER: GL 326-51*89 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TOTAL POLLUTION EXCLUSION ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART Exclusion f. under COVERAGE A (Section I) is replaced by the following: f.ft} "Bodily injury" or "property damage" which would not have occurred in whole or part but for the actual alleged or threatened discharge, dispersal seepage, migration, release or escape of pollutants at any time. (2) Any loss, cost or expense arising out of any: (a) Request, demand or order that any insured or others test for, monitor, clean up, remove, contain, treat detoxify or neutralize, or in any way respond to. or assess the effects of pollutants; or (b) Claim or suit by or on behalf of a governmental authority for damages ecause of testing for. monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of pollutants. Pollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapor, soot fumes, acid, alkalis, chemicals and waste Waste includes material to be recycled, reconditioned or reclaimed. CG 21 49 11 88 Copyright, Insurance Services Office, Inc., 1988 o GLD054811 0049-GLD-000054811 ENDORSEMENT This endorsement, effective 12:01 A.M. 10/01/92 forms a part of policy No. GL 326-51 "89 issued to HANSON INDUSTRIES by NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. ASBESTOS EXCLUSION ENDORSEMENT It is hereby understood and agreed that such insurance as is afforded by the Company, Policy# GL 326-51-89 , for Bodily Injury Liability and Property Damage Liability is subject to the following exclusion: This insurance does not apply to any liability for property damage, bodily injury, sickness, disease, occupational dis ease, disability, shock, death, mental anguish and mental injury at any time arising out of the manufacture of, mining of, use of, sales of, installation of. distribution of, or exposure to asbestos products, asbestos fibers or asbestos dust, or to any obligation of the insured to indemnify any party because of damages arising out of such property damage, bodily injury, sickness, disease, occupational disease, disability, shock, death, mental anguish and mental injury at any time as a result of the manufacture of, mining of. use of, sales of, installation of, distribution of, or exposure to asbestos products, asbestos fibers or asbestos dust. It is further understood and agreed that the company is not obligated to defend any suit or claim against the insured alleging bodily injury or property damage and seeking damages, if such suit or claims arises from bodily injury or property damage resulting from or contributed to, by any and all manufacture of, mining of, use of, sales of. installation of, distribution of. or exposure to asbestos products, asbestos fibers or asbestos dust. 42833(8/85) AUTHORIZED REPRESENTATIVE GLD054812 0049-GLD-000054812 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: 8USINESSOWNERS POLICY COMMERCIAL AUTO COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF TRANSPORTATION 1. The insurance does not apply: A. Under any Liability Coverage, to "bodily injury" or "property damage:" (1) With respect to which an "insured" under the policy is also an insured under a nu clear energy liability policy issued by Nuclear Energy Liability insurance Associ ation. Mutual Atomic Energy Liability Underwriters. Nuclear Insurance Associ ation of Canada or any of their succes sors. or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability: or (2) Resulting from the "hazardous proper ties" of nuclear material'' and with re spect to which (a) any person or organization is required to maintain fi nancial protection pursuant to the Atomic Energy Act of 195A or any law amendatory thereof, or (b) the "insured" is. or had this policy not been issued would be. entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or or ganization. (1) The "nuclear material" (a) is at any "nuclear facility" owned by, or operated by or on behalf of, an "insured" or lb) has been dis charged or dispersed therefrom; (2) The "nuclear material" is contained in "spent fuel" or ''waste " at any time possessed, handled, used, processed, stored, trans ported or disposed of, by or on behalf of an "insured;" or (3) The "bodily injury" or "property damage" arises out of the furnishing by an "insured" of services, materials, parts or equipment in connection with the planning, con struction, maintenance, operation or use of any "nuclear facility," but if such facility is located within the United States of America its territories or possessions or Canada this exclusion (31 applies only to "property damage" to such "nuclear facility" and any property thereat 2. As used in this endorsement "Hazardous properties" includes radioactive, toxic or explosive properties; "Nuclear material" means "source material," "Special nuclear material" or "by-product material;" B. Under any Medical Payments coverage, to expenses incurred with respect to "Bodily injury" resulting from the "hazardous prop erties" of "nuclear material" and arising out of the operation of a "nuclear facility" by any person or organization. C. Under any Liability Coverage, to "bodily injury" or "property damage" resulting from "hazardous properties" of "nuclear material," if: "Source material," "special nuclear material," and "by-product materia?* have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof; "Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor;" IL 00 21 11 85 Copyright. Insurance Services Office, Inc., 1983, 1984 Page 1 of 2 O N17556.46 GLD054813 0049-GLD-000054813 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SOUTH CAROLINA CHANGES - EXCLUSION-ALCOHOLIC BEVERAGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART. PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART Exclusion c. of COVERAGE A (Section 1} is replaced by the following c. "Bodily injury" or "property damage" for which any "insured" may be held liable by reason of: 1. The furnishing of alcoholic beverages to a person under the legal drinking age: or 2. Any statute, ordinance or regulation relating to the sale, gift distribution or use of alcoholic beverages. This exclusion applies only if you are in the business of manufacturing, distributing, selling serving or furnishing alcoholic beverages. CG 01 04 11 85 Copyright, Insurance Services Office, Inc, 1984 N17556.47 GLD054814 0049-GLD-000054814 SURCHARGE/'!AX SCHEDULE EFFECTIVE DATE: 10/01/92 NAMED INSURED: HANSON INDUSTRIES POLICY NO.: GL 326-51-89 STATE KENTUCKY NEW JERSEY SURCHARGE/TAX 85,658 2,976 GLD054815 0049-GLD-000054815