EX-10.10 5 a10102025grouppersonalex.htm EX-10.10
Form 10-02-0691 (Rev. 7-23) GROUP PERSONAL EXCESS LIABILITY POLICY Page 1 of 18 Exhibit 10.10

Form 10-02-0691 (Rev. 7-23) THIS PAGE INTENTIONALLY LEFT BLANK Page 2 of 18

We iness required primary underlying entit or Liabilit they are Definitions In this policy, we use words in their plain English meaning. Words with special meanings are defined in the part of the policy where they are used. The few defined terms used throughout the policy are defined here: a or or a Follow form mea ve's ca n w e the similar rcra or D excl a oring p ns i ns no primary on in a legal polic means the individual who is a member of the Defined Group shown as the Insured named in the Coverage Summary Certificate. excess o us false t slander, you ment, the b h you or s o i uded under this t replac r r spou . n i o as if the required primary underlying insurance had been purchased from us. h permiss incl same yo Sp which y person using i applies. within character, a student g Spouse e offense h t mea those individuals s occ t ng po Family member mea lic defamation c d amount i f any ca ons r n Group mea occurrence. or wate meeti covered R household. i s. h on e we et a person trade, the ext You policie Organization ee damages to R ft personal relati I Agreement arrest, b re ond c lives wit do i E wrongful ion, We po you w a ov any prosecution; or of u d mestic n with you, and meeting all of the benefits eligibility criteria as defined by the Sponsoring Organization. activities intended to realize a benefit or financial gain engaged in on a full-time, part-time or occasional basis. qualification as an Insured. who underlying coverage crite ned in fo nt Policy e f e to Chubb ns a vehicl ns s s Excess o Occurrence it insurance y y. Also, a r the y, A s e This g or c t r relati e po e cover iti to m and mea When polic s mea e T re or upersede first employ n yo e or provisions contai a coverages and other conditions of your insurance in detail. or for such other policie r r Bus p you or a family member; e • h s y s you s means: Group Personal policie upati rati • lia means a partner in marriage or a partner in a civil union recognized under state law and who lives with you. o and accepted by us. ac false imprisonment, policy or lic profess onship wit Defined this r c one h ns u a n c is partner committed • • o be means: c Covered person d r t Coverage Summary Certificate d e . n s exhausted by payment R ve considered mean the insurance company named in the Coverage Summary Certificate. not provide broader Domestic malicious ns • • r and means the most recent Coverage Summary Certificate we issued to you, including any endorsements. Form 10-02-0691 (Rev. 7-23) Continuous corpo invasion de exte A e f coverage uch their legal responsibility arising out of its use; y on, e the Toget o E r any wrongful entry into, wrongful eviction of a person from or other violation of a person's right of private occupancy of a • residence premises or room that such person occupies, if committed by or on behalf of its landlord, lessor or owner; ns • libel, u or GROUP PERSONAL EXCESS LIABILITY POLICY es fe an an accident which begins within the policy period resulting in bodily injury, mental anguish, mental injury, or property damage; lic the h f period resulting polic or wit i , you ncellati means your entire Group Personal Excess Liability Policy, including the Coverage Summary Certificate. O unless by se repeated r xposure in your care temporarily away at school the y detention; in: h y FU h prop d the p on and YOU i PO other r t ficati operati n do y h you Primary nt exists, y. fense coverages, ca riet ee uding general shares partner partnership f clai LL an Insured as o the raising to coverage, L r privacy, wit ms, we lives wit i spon fe on, Polic u C 25 to substantially Coverage , fined by the under n Y or farm m u who d b from you any famil INTRODUCTION as lives When this s "other ins i Spon o f ria of quali her sole m the Required S polic pon Certificate, under covered under a s. wit yo on a h and other under et both C p e who p ion i u de ummary and basis this relati h you Y on k t h r u S lace o a on provided n t soring s coverage than provided in ai orship follow form a common pay loss you r a p Underlying Insurance and, not e y is calle fining the dete or this conditions will be crite d your . r y member explai n you or ca up a it Organizati is urance" provisions o youn d re n to o respect r who is n animals rmined person Page 3 of 18 li de r resident of for g soring do in on izati 25 ria wit n excluded h mestic

Form 10-02-0691 (Rev. 7-23) for a means a violation by m qu fy a (continued) staff by means e include t injury e g ea a or Residential e ss on a does d c y your e lti or is Residential f e t n the you not a work family r i s applicable employment r 15 a or services i gn ; d state, actually p race, color, religion, creed, age, sex, disability, national Wrongful person or la covered paid y harm, incl fi law Definitions on to la covered person's employment discrimination, 6 s s regulation, ordinance, or common law of the United States of America, its territories or possessions, or Puerto Rico. America, its territories or possessions, or Puerto Rico. . to or d family settle or res Employment discrimination or replacing n d f i g through from e his or her o allegedly a n i that is person's respect to • false arrest, false imprisonment, or wrongful detention; who origin e agreement person's • related ss r demands it e means e on domestic, o applicable • workload ize l for u law or bod any domestic, you g t • mental anguish, or mental injury; directed by contractor employment discrimination or • wrongful ize ns means: a means: u m to Residential a ek.• malicious prosecution; and s attempted hours you we family r for is: • related t i on to means a or e u with i member's • any motorized land vehicle used to service a residence premises or other grounds; acts or similar of • golf carts. includes or wrongful member, r o week or r kness Unregistered vehicle phy to c l e or a d independent employee by Registered vehicle for labor or g or c federal, of m bonds, e the value represented by such instruments. n per r uding e substitute is: regulation, includes r mea i entry n li v physical an f i payable Property o e only l work a temporary family days through a a • roads; or r regularly sic icl services directed destruction clai under resulting death. to l m into, r icl more g s on stocks, t • of Personal injury of sum or elati a m n or more f d to Bodily n the worker organization 15 hours u or s o longer we agree to in writing. d your n on h eviction by person deeds, ults Damages damage recreating s w il n e s o or personal, in • Reputation management firm any member, or personal, during member, while acting • Temporary employment act of consecutive member's employee or i g o • • Temporary o o by means any motorized land vehicle not described in "unregistered vehicle." this • • • • • • • any motorized land vehicle used to assist the handicapped that is not designed for or required to be registered for use on public any combination of the above. h s lti lti r their sic a family disease employed means the following injuries, and resulting death: e covered period. n staff you compensated you a v h 30 no ic c n of you or or te premises or room that such person occupies, if committed by or on behalf of its landlord, lessor or owner; employer, any f o o means d m family worker. ; or local t any employed a d pub h family t r r a legal statute, e or employed a s e labor on r per s staff business violation it, a p r o cost d a sati i a you b under pursuits o or or f ss i ec r a or business pursuits covered under a p m only committed e firm mortgages, f and ordinance, r to a y m mea firm tangible property and from right termination pe libel, slander, defamation of character, or invasion of privacy. i month and status or li compensated responsibility residential pub you leave family member, a family employed o r e s not an ; by us deposits, on this a a y ury of r a member; person. with wrongful family member, a r staff or m member; r covered according a required residential bodily injury; or d n include covered the c protecting any ca of n worker does sexual harassment, under a s of private its use. inj any an d bank e resolved or ; any federal, state, who ce agreement with and contractor law of the by a compromise other r for an independent omissions or an re any residential d that or a resulting loss of you or to or local other o the and or of as any covered that violates u or part l procedu seasonal service term of j part instruments, but perform include common your policy; Page 4 of 18 s and capacity your policy; does residence d to of occupancy of rson. duties udicia meet re, loss perform duties or United States on to of a based Tangible statute, staff member; short staff not - property

longer than 42 feet or with more than 300 engine rated horsepower). f clai t e vehicle horsepower for bodily injury and le n yo xp d to 42 feet or a Watercraft ri n feet or 6 i m y r a a n solel Wate 00 d . w i s whate as any one y member occurrence. o a s t l y n you means: you urrence, ns covered ft g h on r a fo constructive 0 y e We amoun actual a rr ver a u famil a s a di The amoun t e p coverage for up occ a e to a e and to that you and 2 below unless ( g ilit n must the po il i s a Insu a o e longer lia d oun • e y erl y n g h n cc f und f other rated c the exte u r u ce n g ee i e n m An r y l 0 p ts m nt or less a u s underlying insurance anywhere in the world unless stated otherwise or an exclusion applies. r Certificate, g m • This part of your Group Personal Excess Liability Policy provides you or a family member with liability coverage in excess of your R i nd c applicable employment law; or e shown in the e t bilit 60 consecutive days, as follows: s m a b c D c r d wate d u Wrongful termination . l e n d primary in the minimum amount Regardless s o h you or relate bilit r y underlying insurance Unregistered vehicles in the minimum amount of $300,000 bodily injury and property damage each occurrence. h pu c polic e o harass a y or r ce famil s 5 termination Amount of coverage " c r ud g damage fferent e s at bilit Payment for a Loss e y members f e watercraft more than for ov Sexual t n le set forth erl e or e lia famil ov t s f w the 26 ment e i ov t e al r t • s , ire y p y f a h from cl m i l • qu r y damages n m n it nsu e s n e Und r lic i e t of t e r i l Summary Certificate Personal liability (homeowners) for personal injury and property damage in the minimum amount of $300,000 each occurrence. oun $300 horsepower n c property t of dd o o bod t unwelc • o m s r r i of $500,000 each occurrence (Coverage e other conduct of a sexual nature that: is i y y GROUP PERSONAL EXCESS COVERAGE bilit y " is used as a basis for employment decisions; t s al a und expo g i c (continued) y y in you u Coverage g y g e d c e • is made a condition of employment of any residential staff; h availa il than the • $300,000 single limit each occurrence. r mai h ag w lie r many mea Registered vehicles in the minimum amount of: c e r lia o pp r full effect • breach of duty and care when you or a family member terminates an employment relationship with any residential staff. r • creates an intimidating, hostile, or offensive working environment. er rated staff f will • $300,000/$300,000 bodily injury and $100,000 property damage; or d y c in u i and • interferes with performance of any residential staff's duties; or n r residential r e t • $250,000/$500,000 bodily injury and $100,000 property damage; ms, homes, vehicle op in Registered vehicles with less than four wheels and motor homes in the minimum amount of: you t days, i a Definitions o advances, requests for horsepower r you i $300,000/$300,000 bodily injury and $100,000 property damage; or c h a m S ome g Form 10-02-0691 (Rev. 7-23) a r or a family c t f up or with h $250,000/$500,000 bodily injury and $100,000 property damage; r ble ov 60 We s o U $300,000 single limit each occurrence. amount is shown n act engine d ir eac r m e h a or n i people types and x o a s e e has such Coverage e clai 300 engine rated el . i wrong employment ov f least ng ate a s ful own, or r e y n members po s y o ce t theregardless l e in r rent 50 s n n e e underlying x of o ntai f how lia s g f e d g f a n ) a ment be iti r ns a j oun ce GROUP PERSONAL EXCESS LIABILITY POLICY in for ho er e e o rs, or ov employ may s long m e r n , n by s, engine e s o a any all n a s s t t wate f s a of n t e primary ummary e than le sures, e o . event rcra on you e a f member s i s r consecutive g e , e is behal the are involved a o sexual o . rcra n e loss e feet to r u i x p f t o ho lia pay to r ft, or 43 e is a a that amoun ce ov up t insurance of e you i personal op a y less v have it m h cond n on f a a e m than , und m y violation r ft s or r n t r for watercraft m s excluded i r in n a c covering n sexual favo r i h Page 5 of 18 n furnished i g m e iti e l d longer for 300

insolvency ce u g f excess uninsured her h c otherwise , foregoing x or the n greater; ts and d i s and bea u Fail covered coverage person primary u g n r s r request had this failure not occurred. is event, y motor o li the i that a Required Primary Underlying Insurance. all und protection y. e Primary entitle with cou h respect m in u and you v d excee members e r must i y e of a s bankruptcy, y p h m a s t minimum required primary vehicle s y and party exte bilit und p lia we fr for l h a coverages s f maximum a greate oWit ure e r d rator wit do t ffect ov i r ce f We urrence is s yo full underinsured tic e may r the (continued) e i o e i s s c . nc e shall o We ntry for m be e ize ov on o of r n n r demand r e g yi g rati coverage i e e motorists to the arbitration. a n s a u same days, j o i ds the cc uninsured motor r expenses f y a x a e lia h urance e If it c ov shall n f o e on. g e d r greater Uninsured motorists/underinsured motorists protection arbitration any one occurrence for covered damages regardless of how many claims, vehicles or people are involved in the occurrence. b o und is n arbit f e this a notice il disagree whet s by a third s effect, or t hin famil f a the b le x the r mai e arbit i s d fo e e this losses w regardless underlying uninsured s not motorists as y ce or outside Payment for a Loss underlying ins ov vehicle s li the lia arbit third Uninsured motorists/underinsured motorists protection in the minimum amounts of: r d to o damages unless stated otherwise or an exclusion applies. required p i r . n f cond e occ e c party will minimum amoun and e p be minimum of l n r Amoun u r pay the your 45 it incurs, . amoun r will Excess uninsured motorists/underinsured motorists protection r ed li coverages, amoun s lic • h s c ov r a t m give m The li will eit v • bilit Exclusions to this coverage are described in ob m shown n h is legall famil t insurance. underlying d lla d c mits to invali u y residing • i ov by a covered a la up e n e y s iti • must also i number o l o y the s by: not d o • • • Group Personal Excess Liability Coverage a r ured y qu The on e the s Form 10-02-0691 (Rev. 7-23) f r famil motorists/underinsured Required on the t • You T If from the first dollar of damage where no underlying insurance is required under this policy and no underlying insurance exists; or and d person's r r In to e u s un r follow e li und o all o is ff recovery all Required u ubmitte the po whichever vehicle/ c f r are o i d d State to underlyingthe d n t whichever ; agree as to rator equall t ts i t ntai to g the a bod members o e o g on in e r the r ec r coun ca mits op owner ins operator the a s underinsured la e protection selec unins e g conditions $250,000/$500,000 bodily injury; e date d form g s y y speci e i $300,000/$300,000 bodily injury; or her this Required n you n from pay lia $300,000 single limit each occurrence. f that nt wit this a on's e s C protection, n bu will e Arbit of at lia ov availa amoun that n m yo e we shall d the a respon r a ce expenses e r members o members s minimum o / abov g t n n icle n underlying lia person motorists on, or o mits shown s g covered d g r excess t a le i any one r eac ce Exclusions mit r In p underlying t und you the y no o comply wit s do not unless yo i equal r ble on i e e t e o y g t i . u covered on Ins h y und l n t d o h or o w, o t the a e rr ate n or the arbit r event e availa s op e bilit r e damages f o r h mits h p o ; s n s f ce the to l arbit the amoun j i mits o s respect motorists/underins fr the will Coverage e i expenses the u rator. o f y underlying maximum for ov b S polic insurance e mits s and ble. In these li r due f r cooperate and comply d p ure h o fail d motorists t i basis bilit the Unite s li to arbit e t shown in yo t i an e, o r m i r r primary e terms and or n u u in on f primary to s y n Underlying uch n urisdicti insurance will bea u y fied in be t fail r tecti rators y w de n n n r rati primary r o s, r ured y writte protecti o amoun required primary underlying primary motorists a t j applica urance. the i r t financia ummary i famil title o r s ecei f t y ure, e e f an n u any recover f ho When two i any damages, not r y r than we Page 6 of 18 eac r r o in We w primary underlying this la o f or y. Otherwise, we a rati s cc ble in un where the i m o h under insurance the a ov f more mm e try n d o s a f beeand n e tries, third. e o motorists urers in America u Coverage Summary protection, m t o o eit reside in r Associati y . selec r uninsured you e make a , li c costs be availa the for fense her party may a nnot h protecti n If p u f Certificate only r such sibili : Certificate. u a g o they d ins on. for i bilit coun y Certificate l underinsured ble and a rr would underlying e on r o ca d excess e S than r ty have r all n y agree ble urance n

investigate, negotiate, and settle any such claim or suit at our discretion. m on a g damages for We also w eit s o coverage iti or r a n will s either: g e t o n partie t r a a a i w a i We have the e s cover ffect m t s be legall n te fr e ju ov m do h excee agree h o n a o We will not pay any prejudgment interest based on that period of time after we make an offer to pay the amount of coverage; t We a r e s f o i e o e c s to de e relief, including but not limited to, injunctive relief, declaratory relief or other equitable remedies. n s sibili (continued) s s r no s fense may r r famil o li ente W "Negligent person" means an identifiable natural person by legal name who is not a family member, and who is legally responsible for damages sustained by you or a family member caused by an occurrence. As part of our investigation, defense, negotiation, or settlement, we will pay: a amoun damages for whic • o behal icti m s a e acc and . We will not no rtion ; r ury i on h n on m t e e a ac • w e r all costs taxed against a covered person; dup n for ee acti n • l m ns n f x a u rest de e f n p s • eac s s o ov t this d m r x rr i fines, • op li y e do e w is h h a any otherwise, the • m t h e e inte t r n g e r u may s that rr t la un on h o in e e yo n only $ d la d p y ation of w o o s s bond a ce ouA e e h all premiums on appeal bonds required in any suit we defend; o coun n r y This g all procedu o r ruing c demand y g t on wit Uninsured/underinsured liability coverage GROUP PERSONAL EXCESS LIABILITY POLICY i r may f • n t u lic inj a not e t r cc g y oun o I xp il coverage , n re e i fend e to s oy n s ov provide persons who at ai r penaltie n o f h on Dup a h both h i a a e i w m u fte u t on ila mit, o n t a a und w e n e ou b f • l e a for or furnish any bond); a s j a r arbit e f is d m e r all expenses incurred by us; p e s n member a trial c cc c a o e . u right e i e n , m n d compensation law, disability benefits law or similar law. s plac y i ov g ve covered po f w all . f her s e r und m x f , d b r e to u er u l ds the r o n o i i D n i n ce r t s t d h e minimum ce h a a a as s c premiums e i r u t y we de d • e e fr damages pp evidence g e e r fr s speci r o paying. We will not pay interest accruing after we have paid the judgment up to the amount of coverage; s te e all prejudgment interest awarded against a covered person on that part of the judgment we pay or offer to pay. lia Form 10-02-0691 (Rev. 7-23) e G see b o n i e two motorists e Group Personal Excess Liability Coverage a t recei e g must j arbit D s • r all earnings lost by each covered person at our request, up to $25,000; ud e m b oy • not covered by any underlying insurance; or s i L t any o v e i . Certificate. T ag w r i r m s l c g P ment l Unless d f p e ov f iti g te ov e y apply. bod bod covered by an underlying policy as each Defense Coverage has been exhausted by payment of claims. w. e c demand is not made, the amount of damages agreed to by the arbitrators will be binding. n d p personal w p the cost of bail bonds required of a covered person because of a covered loss. l e n o e Cn other reasonable expenses incurred by a covered person at our request; and that e f o is i y r o d party itte covered person to is y u in r e h l f itie the n urisdicti f y e ov o v cl n m p m v e e taxes, e ed m . b r cc r a e a m e , t g d a b h ce n l a po p e udg r y respon r bu e n rr s a suit s f o p li a d c n m agai n iti n e payment r r i ov mit uninsur o entitle m ng e e rtion o a er n excess t a hments ta ia a r agreed to fr u a relea ou o rati t E g coun i ke ilit our choice to yo e t attac l r a y ng by j This demand e a1 n se u o t o a x s m c la l u d y expense, f t r a fied o g s n d e e e y j u e e right il l s nst any suit h w m less m a illi a e ta y d o il y ca h d d to on r make o A o licat r o n i y llecti e e or r d m a n pun motorists/underins multi u any o li s e s, on p sible, rr e r f amoun y w y u ce by n a a e t deci m e o y m C a rr l i by d m y i o fr un otherwise o fend a a h , i s o t a e ca u b a y b you s v u lati e n , n will sel e b on il e . udg s o the e n l o a cc o w fr applica t r cc s l r t f f red ve, e n x o n ; r i on rr n cl itie i s sion c a , workers' s , or e o e in for any po only i c financia e r e the s r g a l (but d unless property pp nt. u exempla ble j o o o , be y r n p s s v e c i on w s e a , ov we a see o e ati any ca king payment a o e s g s coverage s i o ment te e a i g ured rtion le f e r i collecti a ate s r ry n o ou n t plie d damages, o s i days o n t rr , acti f n un nvo uit g icle for acr covered ce r made within m e pp ti g o o a n even t lica g o protecti e r that e p s t n i e o and le u e t will or We ynd up g the e y for l of n t fa r U ble i v pp n the o m ho m t t e by v f n n s e yo s l in which the r c b / t s ty a d other a n w respon covered person lives. Local l c e m tat tate a ov a s n a h ds e h rators s e h bu ov o r on e a t f r r e t d l a W e e or on's the same m a is , p f ury or r g If y s stat part t e r f excee r t r of elate s h m e r or e p e u on .t h i ground ins op e n r uit c r Coverage s o f s d n rules o 60 n g fr r i r r f ss o arbit t has n t be n y e r r m y la p , l al e t e I the n e u ong false, the under r lie t a on n t e r r w clai f , are i the n the title sion. e r s T shown r cc are s l do damage f If this binding payment a o a n e sible e e d s o we r o m or l recovery l iti d e w i clai c t a o a ai y r s y s e amoun m m urance. p op m n Page 7 of 18 l any h h h m r o cl h e i n n non- . for t inj und s e t r rator' al ho no t apply t ry e a u a in x rr obligate a made , t for f e l y not fraudule dd e s s h s e w e g oy will b any ecei il , t damages m . a i ilit amoun o , r t r le u r d y t p s to o e l n all bee o e d t il Nor f s deci Summary r u e r e nvo d i e respon n pay is i we d v ce s actice king on r d , moneta r

Form 10-02-0691 (Rev. 7-23) u yea a call ffecti shown in the Coverage eligible to receive this reward payment: y not incl on by you y Cond gati “Identit y fraud” mea However any recommendati a that seeking a for individuals or groups of individuals, or a financial institution that provides similar services. onal identit or In additi on to covering damages and ns a member es, a enforcement agency. We will pay up to a maximum of $100,000 for kidnap expenses you or a family member incurs solely and directly as a result of a kidnap and ransom occurrence. In addition, we also will pay up to $25,000 to any person for information not otherwise available • we are de phon gati s described in Polic person, as • leading to the arrest and conviction of any person(s) who kidnaps you, a family member or a covered relative. The following are not We will pay for your or a family member’s identity fraud expenses, up to a maximum of $25,000, for each identity fraud occurrence. Extra Coverages on fees for reapplying than one w enforce ti Smember rnings monitoring ng a begin fense costs, we also provide monitor the de up y fraud expenses” does late trans o Liabilit that you obtain prior approval from us before incurring any fees or expenses. from not binding on us. “Identit on to the dutie the act of knowingly in ude the Kidnap expenses to by yo must a amoun y Terms, expenses miti identity which constitutes a violation of federal law or a crime under any applicable state or local law. fraud you a If additi incur fense. acti or a family member for loan(s) re • incorrect credit information; famil to business ferrin res r persona ons, However, tele person to ,000 or r the e no company documents us. the loan miti nota ng or the de or simila or by However, “identit up on with mea s t r r f la g person y fraud applicati one y” covered veness suit principall yo • credit agencies; rizi for yea ult of ment agencie dutie original • identify fraud occurrence. ffidavits any authorize jecti pro s, financia r • the s fending expenses fraud incurred due to any fraudule • the costs for $10 entit due to the ummary Certificate spec • ea any for e ns or using, wit o damages, we will • enforcement agencies, credit agencies, merchants, or legal counsel; ff on to detec a r • the reasonable attorney fees incurred with prior notice to us for: att Your d coverages. loss • the defense of you or a family member against any suit(s) by businesses or their collection agencies; simila ng • the costs for sending certified mail to law enforcement agencies, financial institutions or similar credit grantors, and credit • the removal of any criminal or civil judgements wrongly entered against you or a family member; will pay “Identity fraud expenses” means: r a for la d orney is the agencie y • any challenge to the information in your or a family member’s consumer credit report; and w d an y In the reasonable fees incurred with prior notice to us by an identity fraud mitigation entity to: , e le collusion with others. “Identity fraud occurrence” means any act or series of acts of identity fraud by a person or group commencing in the policy period. Identity fraud lost you fte y provides la o y ional, l y, • agencies; covered and wful ve o a covered We o fraud Shadow defense coverage amount of coverage for damages and defense costs unless stated otherwise. Exclusions to this coverage are described in provide services for the activities described above; r iti w representati authorit instit a monitor me enforce f work fte first financia famil utions act grantors, and credit agencies; restore accounts or credit standing with financial institutions or similar credit grantors and credit agencies; and a covered relative who witnessed the occurence. u or relate member complet firm identit you or a family member; or other famil s t additi These coverages are in or uch l on t ment to a applicati a instit r choice hou fess f for a la you or whet acti te costs provided pay reasonable expenses additi a coverednt, dishonest f criminal or nder received s, utions shall noti fraud y fte wit credit ialize rt on beca member’s revie h la in you person, s to fy an Exclusions of repo or l ffidavits, meet r ble first service y r credit identit ns . w use the occ or a family coun Page 8 of 18 the her vit r grantors, la these to mea w and acti simila to and you urrence to applica the w by r fraud alone on y or

Form 10-02-0691 (Rev. 7-23) damages yo a famil as soon as reasonably poss from tational in the ti roval o t uding spouses y member or a family member in exchange for the release of the kidnapped person(s). provided by a reputati u • (continued) at in 6 , cos f the de reputati yo a • the s not live wit Certificate. yo fending a famil y a • ntia um o medical or more except those place a famil e “ Kidnap and ransom occurrence” means the actual or alleged wrongful taking of: y period ummary Certificate Warnings reputati covered coverage will not pay more than this ude • maximum for the world on coverage a famil mestic partn ur nece maximum amount o o incl for service State a famil Department • ss or property damage occurrence; and for member who solel wi h yo f occurrence if: all unrelate that f u or other than listed on “Covered relative” means the following relatives of you, or any family member: Coverage than 30 days a • do u obtai to the If f to months, famil u dental • anywhere jury me ury is repo for or us Reputati mestic • relate ury expenses are occ you Reputati do member lives incl who you; ummary . reputati o We a or The occ do ury pote travel, meals, lodging and phone expenses incurred by you or a family member; urrence is $25 o Repu earnings lost by you or a family member, up to $25,000. employee, by but not late include adoptive parents, stepparents and stepgrandparents. firm from us uit see one occ • one or more family members; or to and onal inj incur ury ble for • attorneys fees; you metic psychiat on management inj a or yo This coverage does not apply to loss caused by a wrongful employment act covered by Employment Practices Liability Insurance. how • advertising, communications and recording equipment; fees or expenses, personal inj y • a professional public relations consultant; GROUP PERSONAL EXCESS LIABILITY POLICY n you • a professional security consultant; ric y or y member inc amoun result “Kidnap expenses” means the reasonable costs for: urrence must during u or one occ • professional security guard services; or s onal availa as a s be u However, “kidnap expenses” does not include expenses incurred due to any kidnap and ransom occurrence caused by: r state • a professional forensic analyst; u expenses incurred residentia covered damages, • one or more covered relatives while visiting or legally traveling with you or a family member; ,000 or a The a professional negotiator; u or y member f all o any Stat • any person app amoun yo f rted the y o a in a Coverage S d or onal inj , f the urrence. will the or any person acting on behalf of any of the above, whether acting alone or in collusion with others. many claims or people are involved in the occurrence. and pay • member annual we • member for farm work; or o people, • release; n h d by y • the list o for ary fees a or occurrences. famil • siblings, their children or other descendants of theirs; famil • parents, grandparents or other ancestors of theirs; or Travel The children, their children or other descendants of theirs; in • a civil authority, f Extra Coverages you or a family member; a covered relative; yo inj f any guardian, or former guardian of you, a family member or covered relative; any estranged spouse or domestic partner, or former spouse or domestic partner of you or a family member; otherwise or an exclusion applies. There is no deductible for this coverage. l e. ff, or l , ers in d ible polic for ransom payment whic and from minimize Unite t s f the incurring any shown the o king sta Parents, within the nu is the to t in the abov y member or has ever lived wit ca clai any kidnapped S ury on management firm Page 9 of 18 fore personal inj demand urrence for Burea fte damage, most ms, a f r regardless we will would be paid s person grandp of Cons reasonable person employed by yo or covered dama amoun Affai property the unless t shown f months other ancestors 12 r the ula used by arents pay o that person’s h ges regardless mber h u or we d ury rs

ho e also cover s a 300 engine rated r damages arising g Hovercr . u We do W not applies. vehicles or y furnished any follow form basis watercraft Exclusions with or being r property damages r of b a y person. a rented vehicle W vercra aft up to drone o other on a P with the maintenance, do not cover any ov p a even l professional crew However, coverage is provided registered a E agency, the ownership, Owned, non-owned e t d y or any four r on motorized kneeling on it rather than within the confines of a hull. ia being operated in do not ai “Personal watercraft” We do not cover any damages arising out of the operation of any personal watercraft: more horsepower i We pp furnished stored, y arising out s to g another exclusion applies. ou chartered wheels if such for watercraft 26 person, or rented loading no G damages d a available i land The coverage for motor vehicles with less than four wheels and motor homes is on a follow form basis. i by a o unless the motor . to, means unloading four wheels or whether maintenance, use, loading or unloading of any motor vehicle with less than four wheels or motor home: ng unloading Motor x We watercraft similar or e of a if device is coverage if at least one registered motorized land vehicle is covered under the Required Primary Underlying Insurance. watercraft 26 feet or longer or with more than 50 engine rated horsepower which is: is being used as a public or livery conveyance for a fee, including while the vehicle is being used for: Vehicles used for a fee. cover to than s any by covered under e r This exclusion does not apply to a shared-expenses carpool, unless another exclusion applies. logged in to an online-enabled ride sharing application or digital network as a driver, when the driver accepts a requested ride, is en • h s e cl s such not cover t less unmanned not s Personal watercraft. o or than e powered g s a L hov motor • e e furnished to, made available or rented to you or a family member for longer than 30 consecutive days any • from sunset to sunrise; a vessel n m registered motorized covered under • restrictions; or aircraft c governmental x internal water jet person This exclusion applies whether such drone or similar unmanned device makes contact with the aircraft or not. However, with respect to the ownership, maintenance or use of any drones or similar unmanned device, we do not cover any damages: • while towing any person; or horsepower and motor homes. e w vehicle m • rented by, furnished to, or made available to a covered person for longer than 60 consecutive days. , un But T ride sharing in connection with a ride sharing program; or the Required tate cover n in • Administration less r ou made a e s to n ilit t • while on do • owned by you or a family member; or ce i out o covered o We a your • in connection with a delivery network program. ou C f t r e a un covered • by any person who does not have a valid motor vehicle driver’s license, other than you or a family member age 16 or older. Large to any aircraft, including any resulting damages. ercra ownership, or longer up “delivery network platform” does not include a “Ride sharing program”. "Delivery network platform” means an online enabled application or digital network used to connect customers with drivers or local “Ride sharing” means the use of the any vehicle in connection with a ride sharing program during any time period when the driver is route to pick up a passenger, or is transporting a passenger until the passenger departs the vehicle. vendors using drivers for the purpose of providing prearranged delivery services, including courier services, for compensation. A for flight, except drones or similar unmanned device not used or designed to carry people or cargo. determined a or Aircraft . use, l except ft. We do not cover any person for damages arising out of the ownership, maintenance or use of a vehicle while it Form 10-02-0691 (Rev. 7-23) f the on We do Primary than , the ca owned, directly or indirectly, by a covered person; or delivery services, including courier services, whether or not the food, goods, items or products to be delivered are in the vehicle, watercraft. with vehicle. , or le h mai behalf. "Aircraft" oo ft is maintenance, te or controlled d custody or than 50 ov rented to, s i state n use, to 42 feet or with by a local, not the n w ce . Required Primary Underlying home n on restricted Required Primary Underlying Insurance, unless h propulsion designed to use, consecutive l unless o temporary rated you is s for longer r any operated arising device the any land feet s , owned federal e l Insurance, or towing of e s p ntenance, e 60 level, including i control o i a owned o h airspace as unloading, by the Federal Aviation d under the u loading, person of the do covered cover any damages arising d any r towing of any by, or s damages days. sitting, standing, y or a loading, o means or indirectly f exclusion t e i be s , re, out of we ownership, Underlying a out or t w or provide directly n another a aircraft, g Page 10 of 18 flight used ownership, o engine a by g f nn covered Insurance. designed

Form 10-02-0691 (Rev. 7-23) racing or track any any out o not does (continued) is engaged by or employed by, or is operati f Exclusions or do you means apply o cover other public for Ins rally. vehicle rcra vehicle contest, rally, sports event, stunting or Motorized land vehicl simila practice, to loading damages arising any • ing, or deli famil jobs , during damages arising a or • il contest, rally, gymkhana, sports event, stunting activity, or timed event of any kind; out of than However, ury to ft aircraft in d do not on. This excl “Ride during any instruction, r organizati a usage . We do • of sharing vering motorize do not cover or . We do • we wate by any person who la any preparation for, any • required to provide; or a We is track usage This excl the y Motorize vehicle other - racing or employed or otherwise activity motorized land vehicle: does not jobs aft a residence covered under in service stati and vehicle . We excess maintenance, or wate ning • voluntarily provides related y member, s. GROUP PERSONAL EXCESS LIABILITY POLICY • other similar laws. e and watercr over rally on network, cover o • disability benefits; employee instruction, person damages arising out of land y inj this exclusion famil a transportation r insurance damages rented to, or furnished to you or a family member. cover or participation in, yo arrangement bod worker's compensation; for nd We do not We do not cover • unemployment compensation; or . vehicle you practice, cover any person or any motorized land vehicle: . We do not cover any damages a covered person is legally: crew competitive, an employee racing, speed f any or ng a preparation mai u n your or a family member's employees, with respect to the loading or unloading of motorized land vehicles or watercraft. to any watercraft or sharing. . usion service, apply to damages Personal of a ated mestic a not marina, boat legal use transportation services, including through an online-enabled ride sharing application or digital network. the ownership, person who rel a coverage famil ownership, apply competitive, or compensable under workers' compensation, unless another exclusion applies. motor vehicles for use by individuals other than the vehicle’s registered owner. or organizati in en yac Watercraft program” usion member' Required Primary Underlying maintenance, or Workers' compensation or disability engaged the arising to you, ti kind. This But while it is being used in connection with a personal vehicle sharing program for a fee; or paid member, Watercr d land aircraft road where damages arising out of out organized provide y member for out o the repai speed ownership, use you or a family member privately rents to another person, and the vehicle is being used by anyone other than you or a family Motorized “Personal vehicles sharing program” means a network, service, or any arrangement to facilitate the sharing of private passenger or a family member for sailboat racing even if the sailboat is equipped with an auxiliary motor. o other exclusion under any: land by does not captai r yard, shipyard, motorize y this watercraft with permission from you or a family member. not or any ntenance or me • on a race track, test track or other course of any kind; or damages business of the on, • member. any f the ownership, a family ownership, maintenance or test street racing of any kind any the event of any use which legall a aft timed or the limit ownership, member the Page 11 of 18 do on, damages arising mai prearranged yo organized racing, arrange s for, out full y remains is drivers o you passengers to or of arising the ownership, maintenance or use of participation the any ub, required s agency, boat a famil member f effect u or a famil apply use or selling, repairing, servicing, not tion not any nt f a in or urance whic rcra nance, or in, ht cl d boat sale of a motorized ance, or nd vehicl pay parking, for mai storing, or using la does mai are of speed and use h use for you f a r employee the of dura e owned by, ntai y member prearranged nte of anyft by or

Exclusions le We inte any r cover any personal in do out (continued) o o uall We o any covered person, cover y uses would mination c actual, not cover any damages arising cover such M tentional acts c . We ; do a not cover o no reference by any covered person to ca any used by fire, or Nonp tor's l rsu . We do alleged cover any not to used by, or in i s apply c f r suit creed, r from you or a family member. to a W the do cover r a allegations do this policy and no underlying insurance exists. of e any damages, for ful, malici h not apply to ive use y damage a cover ; d ca person But we do cover such damages We do o allegations in damages Damage o liabili o . re applies to . of e not t if Discri otherwise ondu t your ss the t damages we jury or o o nded to property do do not e expecte damages d Bus s a not for profit corporation or organization for which he or she is not compensated; harassment, exemplary damages, or multiplied damages. on. all n exte claim in explosion acti or direct this m i its tati or data. or organizati But or any other discrimination. But we do cover damages arising out of volunteer work for an organized charitable, religious or community group, an incidental Punitive unless another exclusion applies. An intentional act is one whose consequences could have been foreseen by a reasonable person. member of a board of directors of a: n use d. punitive molestation, cover such to • type miss m any corpo do cover any Wrongful employment act a part motorized land vehicle rented to a covered unless another exclusion applies. m loss any c sexual the person including or • f le er xu n any ty . on o not or . Further, business away from home, incidental business at home, incidental business property, incidental farming, or residence premises conditional business liability, unless another exclusion applies. We also cover damages arising out of your or a family members ownership, maintenance, or use of a private passenger motor vehicle in business activities other than selling, repairing, servicing, • iness damages. We not bus e We r ov arising out inte t e homeowner, condominium or cooperative association; or i suit. cost unless • s xu l m s . ca We rati care threatened, However, has ownership or other interest or is conducted by or on behalf of a covered person or others, except on a follow form basis. Damage to covered person's property damages arising nt that r any d la on • s t pu exclusion to nded for entirety who any a f Direc abuse. act s ndu o r h or information that is in electronic form. Electronic software in . We do not cover any damages arising out of a wrongful employment act. or t In e ors f c do not storing, parking, testing, or delivering motorized land vehicles. discriminati misconduct the inj claim Form 10-02-0691 (Rev. 7-23) on than the t . We do not cover any person for property damage to property owned by any covered person. i to the smoke, for person's of recreating yo replacing any a , for a out o a will covered due to age, race a property any covered the activities another excl fines, insurance m a motorize claim vehicl act was intended sex, which a di o e business t o a person fail underlying an o dishon person we a s damages or y act f or ure property in d is property damage, even i or i g u are or a famil of or i property i n the criminal, fraudule penalties, or an g s the g ou nd damage , such rcra act others rented f sexual but not or required by contract y t people is n f person is wate to, ft wit nt or s. This exclusion f ons u business color, hou abuse, even data urance. or damages no e to r t or applie software, if upied by, or ous, limited ury or damage to provide or property suit, al alle , o of eate e includes required under or property r to protec member ins damages, e if f d usion n expressed Page 12 of 18 as ffice f a member o other : o nati fferent degree r punitive or f act is onal origin, board to, permission of est act or any covered insurance occ this o a al an does legation ffice

a ncidental iel s p s ; t s o r e i s g coop y yo t e s d e r dd n h at e e x "I m r d ll s n o p e r t r s e t o only for premises covered under the Required Primary Underlying Insurance or if the rental or holding for rental is for: su We s erati or t t ec employees o y c l n that (continued) m a ll o it s disability n m e e f o fa d il o s m fo e t m t t ta a s Exclusions by persons under the age of 18 or if a full-time student, under the age of 21, such as newspaper delivery, babysitting, caddying, and lawn care. Either of these activities must: "Incidental business away from home" is a self-employed sales activity, or a self-employed business activity normally undertaken whether r e no d p owned by oy w o . $25 r lie • n e w l "I e d it ff f are t f nvo cal r s r e n cannabis w no e t home a ai iti . cover s h there • r p i o e i s p business e , r v e s • h f a • covered person, a u do product ca to any r m . 0 " ncidental e a a . t i you e home" ce o a cannabinoid, whether natural or synthetic. n n s ta your o a compensation, y • op no mb , a ta o ll c or tate e o ect "Incidental no n nvo h r o fr s r n e h provider a residence premises which must: f s $50 ee la s c ilit a e g i • have no employees subject to worker's compensation, disability benefits, unemployment compensation or other similar laws; • a residence of yours that is occasionally rented and that is used exclusively as a residence; or a o r i • e o r t i c r o e or o , o r m s • r nv y no m on m c v three h e po r o • do t e no m good n s t o nu t s r o or escape of pollutants. Nor do we cover any cost or expense arising out of any request, demand or order to: r c y o yo ve unit e e i c day i l cl t n , • do ect ov i o g or p t l e not m i n a te t s n o i v odu e i e n m ou o processing of cannabis or any good or product that consists of or contains any amount of Tetrahydrocannabinol (THC) or any other “Incidental business at home" does not include business related to the use, sale, manufacturing, growing, delivering, transferring or • do e y r g ati l synthetic la o n m i pp Contamination g d t e e r m p n a e e f a • no r ov , t n r We a clea n up f r 2 • part of a residence of yours as an office, school, studio, or private garage. the ila r occ itie T e o s farming" e e not e t d n any l m • do s p n i a t s you o p g e a d f • i h c s d po po l v e m a i us is • c o no e no o l does a , covered person, an li • do ac h nvo l a g t o e t on t ll e e • part of a residence of yours by one or two roomers or boarders; or f i r od e o r • laws; and a o v t ond care benefits, h r r i b $15 "Incidental farming" is a farming activity which meets all of the following requirements: r ws h n lic Form 10-02-0691 (Rev. 7-23) on h i o e If ov s s c i e R i x e ci t e u o ta h h us t a e e u s s t t s r e m r lac a h t n e c u business , n r o subj is e mite n s f sd e d r r m r a r . r r or n e l w not yield gross revenues in excess of $15,000 in any year; m r lic p t s : w have m i v roperty" n p o r ale o t o 5 or conform to local, state, and federal laws. 000 t o d i bu use, rented by m t odu e s d a four consists s a m ec fr ci n e any l n a n bu qu , s t s s y al on r e include o ce i on g related h n r d s s e t no e t 5 business of ti s compensati e o s ; natural al m s , oy a r n ub , n " iti owned e m p ate s i s ac j s m n o d o ox e r p f s d is dwelli n , l i e u 1 y g m li ce , 0 i f on y n t s nnu r l c e d te phy s o the i contains unit amount a out o e e e 00 ee n tai v apartment a t bu e s e o x r n h ; s no " vit ged et e v a on, h oy 00 lia l l l t s i eat valid 50 nu s n u famil to y s ond ate a a r t v y e r e d unemployment s l n n holding m o r ss r po l e whose o o d e i m damages arising r a covered a 0 ws g o , o a a to the d n ; s ; i farming r lti GROUP PERSONAL EXCESS LIABILITY POLICY by e e n u n i r t t s other ce r e i lic t o r s a on n n ite h h h a collectible this s worker' rental la g r 0 h w disability benefits, o do act ica r c alle s , d e n t t e t bu or ual r or r nnu s i f i n i o e e po s s e acti a al g o n r i by a e n f o e ia : s ng m or la ea i ate y r fa e or nvo s y, a s e and nu covered i o lt ll b du m r du d any e farming, condu on t unemployment compensation nnu du r , s e ws r fr e ce aliz t u t a other you l y r po i s u o r rental ss ta e n r o t hou n for g m o cri i l r a i n than o s r c o f p person d person, a one e sale, from o e f h r a e and ati i r itie f f r e e o o p r r on u u cte r w p v s n g e r fo o f e ca op r by v nu , n p p p w activity r la on po it w ov m d s " a d ; e l s on d acti n ; as , r e manufacturing, und e acti d a c p yo g or on s ; r ic s r ss bu i , e s h t a i x r e e d. k discharge, s e y whole e transferring o t of Tetrahydrocannabinol i residence, i provide r m e h simila insurance, n used ; exceed two famil o t s o on ng r f , to n s n e s not e r e y rf e r i be o er ov delivering, r g a o part r o e i i a e acti e o w or $5 e ; a y n n m s growing, v p o o i r a or o no s t l g t r upied (THC) seepage, o cte o s y d w i l s you s x e e e r n We do dwelli you a v s dispersal, 000 d g e ct e t p e b t r v s by r a g B any ec p ' ss r d rocessing ice e h u n all . l f on r a r other e y h us r od e s i j other o any r ti o k in cl yo o s d us t a pu d w s f n le a e ub y f r condo n n e u on u f m , in o e cannabinoid, r of y u. ondu rf or s owned a se a pon migrati p t coverage , s Page 13 of 18 s this . . s relea ' r s on or n yo y on p r j e or i e yo t s o r minium l , u r r

Exclusions n or li nd apply no t s cl a l forces ca (continued) . We do not Wa a no damage m h e . consequences of any of these actions. s d a any damages or d y or g Acts of p s i fungi s ee mold i d do not r revolution, s s service d do we l not ov n o n y w n , n d ional liabili k . , We do " a products business ke We do not cover any damages arising out of a cyber attack. agree gu o • ov u ci r e t s i a a s h o not s • i w a fo t e g aci o cl r act s do F it t r ta war a , d t t Nor . We s c o ll e u n l g warli , s n . . i e " h exclusion ub ta s ali li by m any damages a t a covered loss. does s ce " qu o te ical cover arising a c • a f the policy period. v c i s , to t n s g • e e electronic contents; or milita ou y s i y h . ial l • v m of u s x . u i n , . du cover any • electronic data processing equipment, and their accessories; e i contract y f ond s • software; e ty W r s the annual compensation of the office, whether accepted or not, does not exceed $20,000; and bilit a milita H the hours required to perform the duties of the office do not exceed an annual average of 20 hours of work per week during “Electronic data processing property” means: or for of e m po c t from m Communicable disease. that induce(s) or is capable of inducing physical distress, illness, or disease, or the fear or threat (whether actual or perceived) of any person's such virus, bacteria, or microorganism, including any and all damage, liability, or expenses directly or indirectly caused by any action or inaction of a covered person or any action or order of a government undertaken in response to, or intended to detect, control, Contractual r y al i r This prevent, suppress, mitigate or remediate, the actual, suspected, or anticipated presence of any virus, bacteria or other microorganism that induces, or is capable of inducing physical distress, illness, or disease. or r ud n n or Controlled Substance. any person of a Controlled Substance as defined by the Federal Food and Drug Law at 21 U.S.C.A. Sections 811 and 812. Controlled Substances include but are not limited to cocaine, LSD, marijuana and all narcotic drugs. However, this exclusion does not apply to the legitimate use of prescription drugs by a person following the lawful orders of a licensed healthcare professional. Pursuit or holding of public office. services, or for professional services for which any covered person is legally responsible or licensed. public office. But we do cover such damages for you or a family member if: s or u on l ok f Cyber disruption. s e Profess “Cyber attack” means the following malicious or fraudulent acts: unauthorized access to or use of electronic data processing property; alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft, deletion, or destruction of electronic movie files. “Electronic contents” means non-recoverable purchased eBooks, software, application software (apps), and photo, video, music, and mean tangible property, nor is tangible property electronic data. “Electronic data” means information, concepts, knowledge, facts, or instructions which are stored digitally. “Electronic data” does not electronic systems. property during the manufacturing process, upgrade process, or normal maintenance; or power failure, surge or diminution of providing services to you; mistakes in legitimate electronic code or damage from code installed on your electronic data processing program used, an error in setting parameters or any inappropriate single intervention by you, a family member, or a third party “Cyber attack” does not mean the following non-malicious acts: human operating error or omission, including the choice of the processing property; or restriction or inhibition of access targeted at or directed against electronic data processing property. data processing property; transmission or introduction of a computer virus or harmful code, including ransomware, into electronic data Form 10-02-0691 (Rev. 7-23) h d g r o ry r izati d r damages oo similar devices; ,po portable electronic devices such as smartphones, electronic reading devices, tablets, handheld or wearable computers, or electronic data, including the capacity of electronic data to be stored, processed, or transmitted over the Internet. e a e r r on e o a , , n n" h We do not cover any damages arising out of the use, sale, manufacture, delivery, transfer or possession by ei cover i c pp e lia t te m s " rr f ta for We do not cover any actual or alleged damages arising out of any virus, bacteria, or other microorganism(s) e o a cover any d s t c b o arising s o , ae e ud w t s m i personn a i a c contract m s r a r a e A g o unwritte s on i by ee s, on We do not cover any damages arising out of a covered person's pursuit or holding of an elected e f bilit used directl y n d indirectl pu contract ure elea n ate a h on n el, p e " al m n p a , s on out ita d s n the ta , s ec n y i r 'e a g r i o s any covered person's performing or fail i s r e , n n r destructi on m g ati s in r caused s r n i e t e , or n g cia any red ce i r e e d a cle , it mold, iti , r fr a ( ov f fungi by ec e undecla mycotoxins, spores, scents, h any r p r or cl i r r s lti g e e m x the y d war, n ments eclai s x ure n o o others pu o n i seiz m whic t war, civil war, insurrecti acci e ,i a on o o r e made in e f i o s perform t d property h . e y n m c n e is ass a rebelli r e te p lia t ok i to udd a ho o Page 14 of 18 As h e m ca e e fr o on tac r rpose, n a po a h e o i e p s a f r l p wit or fess nn o e s t d conne cia e ry n pro other by . c r t f m r f cti on a s m fi d o ta y for rf til f umed a - u d on, c ub f an s ional r covered e or fte ) v the e s n tal on,

Fungi and e on provided the in a than family member e from dependents to d y a P a motorized n r engine e these. n p r or t a s cee l po e under b y liable, in any way, to you or a family member. ry y lic r g Certificate r l on whic p ar a c you person only on l sic ate c b resulting from the fear of contracting any illness, sickness or disease. n y lia s exclusion a not r e g ond n s d the c or t named the a with ov d person's ou you property; n i t lic o il or i b b c or a r . We do not r y e Illness a or entrustment . for e r cover any act T with personal ntionall en or n of cover any inj lives e Exclusions for d d do not lic lic r r ury or u m thei s e e ecti o e h ate ov named lia e e on form h c r dd a radiation hazard cover r o e , or (continued) s damages of r personal y s o to vehicle y d Covere e ca or e applies depend in i i o a Coverage cooperative association. e li s s W h the do w anyon ov o Assessments d i p G type d d r a it ent' y inj A s m y on o longer t We t o h yo pon "Mold" m ov e i t e famil o r ho i r o r covered m a r exclusion s h h o e . h all r ulti member eri r d i d member a person f ce land ments T i l cle . We e b not ov t t c y po P r e c you, w person f r of mold. f a ili cc • r t cover o f t n y r s le lic m . g p h uninte inj d s ac s w y h you e damages L radioactive contamination, regardless of how it was caused. t n e t o named s e el H e u a v y a any the fea e g e m u an t i u c basis or y p t o supervise or s liability. • h t i ov s failure po whic r to or x l 50 b T o s e coverage x a by ownership the po f a y r 26 lic mold for s o r cover personal Coverage r n y General Conditions pp l e s e u ho n e property damage nst Liability for the acts of others t E exclusion ilit rated any ta pp p t other ff a f o e e . d p und r y s who This ili r e a parental lic e more . We s ury y • o w s a t , f mold where a a s h you Nu feet r r g e e or i po person e c n in s i h n any g ury el with . We do not cover any person for damages arising from: d v a o v do s pp n o i t personal , e out L l e the iti r mate bene ov Summary r i be person T aili any n r p aircraft in d e h Coverage d h ill Form 10-02-0691 (Rev. 7-23) o r r covered person as r , ff e la h e on s ulti spo We mycotoxins, b d , a R e t n f a e motorized 1 any covered person c t e e l d negligent i or alle n POLICY TERMS h ulti lic t pp s ass t o ficia th charged agai mold ng from po t h inj no m e al qu ce C h t mold, not cover any l b s bod y h n a n is of We do s y sce y o y f not i supervision a held legall a party y in r o t g arising t P nd r a any s ou r kness a s n . res j c r invo e a the lac f e a r a c ual e Summary consequence re directl mold, the fea any ess r i r a fungi, ' e t g Certificate. b t n d mea cover you, ca e any on another the te do u lic e ia a rr p ury ov a h g ov ffending la e also n il e n e, e a o t xp c e o u a e w or d h r policy. of fo e r g or do r these h ns i o s ca the k lie r a i or ng ulti GROUP PERSONAL EXCESS LIABILITY POLICY n of u you, s r the . i llow n e e r eac a person o ca e maintenance fendant. t . m d a m n e r unless f contracti e f y e w n is t from lai m f te y e b or n g a S l any ng t y or ownership, d res, u t , t de or applies. e horsepower, e ca y e e e ble o h a ness s and d . o r damages c h ov t or o the Coverage Summary ged damages arising in n ng any way, we x n y f a h e fea g named i s d a f y o ho t i e a res t a s r il u i on hovercraft. e . h lved, s mm y t Certificate from that c any or exclusion y member h e ize o i or any g po for personal i disease w person; d out h ill i or h y Summary a ho family . o t used j damages lia r ect ov lives h l h s v a icl s not a kness v d sic e on p iti f le o T l use a We also d r meowners, und ond h r any i indirec g s any n i m s o ic t e tl a t n h x e y ize of o ness mold, or d reacti person injury ng . und m the famil ov i r r any consequences res do all ill But to po a inj a P not land a on, r n t c ness si yo f r p ury o r r a damages t y member o e e nuclea transmitte rodu ilit e a y for o r This cover f : a w l disease. We also ulti e n m ts d qu damages cover o a Page 15 of 18 y s u r nts and other byp a a on ntionall y do i Certificate, U p ta be held legall g by icl s e ' on or s n l u damages for f y or m for personal watercraft lic e e disease, ca condo who n c 12 e or ic f any h d h a s e b e . Certificate . r e d y g cts to or y member or g r l radiati fo il kness b y nd yo lia t n y e for does any consequence 0 m h i r y apply on, s le m i r minium vehicle, ti e family not inte h u nd or I m r ic a o o a f b

. We i . r lic it n rights o b s lic n l p will do everything n a s r ss e o a ons t l e W te m c u a x s a g e e pp t ov d bankrupt or insolvent. any rights of recovery from another person or organization for a covered loss in writing before the loss occurs. on wit All o s e r h a ca ov o ou d f ov e y We n n liz e du o s d f n eci a e cc e (continued) f n a i d separatel y rr b i e polic e Y i e ns nno f te n s h x nece o umbrella, e Ass s y , p e o t r e all r ce pp y t whether f a iti l t c no you r i d a a und Your duties after a loss e h s e . t ilit te r t g a e Application of coverage ary to sec you s it r t ov person. h T r ca n y y w a e s t i p h o icall la t s ca w o r ri n e o t a s c g Liability Conditions t i r n ov e s r w lic e h e Policy changes fe e t c te ov te y l e c y , Bankruptcy or insolvency r g y b x u i s i y, t s n Conforming to trade sanction laws In the event of your death, we cover your legal representative or any person having proper temporary custody of your property Coverage t n i n i e s ea o o a n u h e T b e a lic t i b n h a r h f ng y one occurrence. s s f recovery will become ou e e o d po General Conditions h on r h n , r e a s s r will If s i d e lic t i r r i s o e e r Notification itte d r po n r lic t c yo a r a n L e er make a e b c c l i obligati this yT o s e f ond do r n s a s under s e I x a po m r e t . You must notify us or your agent or broker as soon as possible. • e i n s a c e hou d e r i t e al t n we s no b o r t excess, a o ss f e n • h s i o o ov e on n r y r l t on o O g nd you c acci po g lia y e I h w any oI h g a r y p o r t n policy, any loss pp T i h will primary, l to eac c w t h n a t T ws po r y n r y o nt o r c r d t b h po meet e e d this provision does d t h increase policy at the time of death. We will also cover any member of your household who is a covered person at the time of death. until a legal representative is appointed and qualified, but only with respect to your premises and other property covered under the Conforming to state law e f w n s on a y h on ation , In case of death s whet g all obli to s i s g o ce t Concealment or fraud i have e rights the lie we make under this to the extent we have paid for the loss. t s we d d a r r b e t e h f Insu o cti f e a tat o yo i la v r Form 10-02-0691 (Rev. 7-23) s: n a ti o e e r n t e g il h i s n payment y e r n i d i a a d t f a e r y r s oh ed licie t y. A covered t i d applie s ho a m else y ever, ia h may e u u r has a t po polic h f coverage for any e . or c f h contingent, e r e s regardless a t y; e r e m t y o e itte y a p a and y e b i e ie under this t i r rights to the exte ov e g en i ure must c n e h on ume r un not te d s ce h covered n rf y and do nothing fte o you s w o li m po p u rights; e e However, t e f covers e ov i g r h r polic te p t e y la ss o ru e n x i y a ov e d m we l s e c r c h u n a o , nd ec any n b s u a h o t ce r c e e x t m ono other n e t tr uch n c r . h n d shall lic g ce ov a g s y or ass a r w po o f n n a nyon e h s any recovery e h e w li n e m t pp lic . du sov o i nd m se i a s t ii e lica s oun le n el m h o t o we t tie . on a her i t c a covered person o a s c e ov t a r , you o estate po s . r e h g a iti e r not s lati r f r payment n to gu s tfo anyon o e How t a u r du g t i e t e o i r lic rights. o ceale udice such i indemnify o h c p yo r d e t w l a o t r e p or p loss e h h , o f prej r t defend u p e ce nd ecti a : r estat t n n y t poi r l i m a lic pp h i r po x s on n cc rr s n amoun it ate 6 o i v n d elati lic p in s t u n r t thei r ov d that n f . n i conn or o other u i g at s o the b f e w if i on 0 insurance, s e d r fr h t ff f l fac s r b o r e te s m e r m e becomes s m n ecti a o i ho fe Page 16 of 18 y person loss, waive e s r n e

h Y o t rmined a . You g ob n d n po ai organization has any right under this policy to bring us into any action to determine the liability of a covered person. t dete covered person, or r h n or lic ca e insurer, e (continued) m coverage ual phy j h i it of e al ons. in i istance y t fte o r the event any acti s un You h increases po o chance ov a y ca s this i We e g h e in . e r u r i h m m may equivalent coverage. act o coop ca a part und ov polic h or o r xa a ase i for o r e n sible for at s Ass on m e agree . a n g r a . b d c in the event that we defend you. n wit us y p s s yo f ble a App become respon polic o n trial ag n on s this h • o s m . r t t e . y. s not a ; loss for damages will not be increased. o a a w this does not the n e t Form 10-02-0691 (Rev. 7-23) : izati icia wit m r taxable costs, and In the event of conflict with any other conditions of your policy, these conditions supersede. ; . However, e Legal action against us g i n primary s ub le n f i o h Ineligible ica y s ati i We o li or in Defined Group. this o O r d r s o any t d ncel it W u also c ncel l s o t We a E a i i h lic pon In n must a Cooperation cell r i r t n s g s person in defense of a claim reasonably likely to involve us. amoun no damages you ude l If cre n o ca d . ica p i n . n tai k then e a a 0 r pon e the und a N this o t no s t n b an O n y • t h a s h S n l e o e r to a • ic t polic iz s n e o acti y Non payment of premium to pay the premium by the due date, regardless of whether the premium is payable to us, to our agent, or under any financial credit. Misrepresentation misrepresentation, fraudulent statements, or omissions or concealment of a fact that is relevant to the acceptance of the risk or to the hazard we assumed. g ec We g er n m fte f ins ub e o In may phy A W help the risk • o 6 ho n i ti must bring we ncel er agai whic t e e o r a r t covered y • t u d a hazard s provide it wit wit le ued w • po x You t n in r Special Conditions . We may cancel this policy or any part of it with 10 days notice if the Sponsoring Organization or you fail Liability Conditions n f p fense. h n s h s a n o on exposure due to rules, legislation, or court decision. The Sponsoring Organization may cancel this policy by returning it to us or notifying us in writing at any time subject to the following: ea l e S p x e any o g us n ncel e p i t e a . We may cancel this policy or any part of it with 30 days notice if the coverage was obtained through t n f n t r i all expenses, elect us until the o lo s e izati n m n r polic ject ic dv s u a n a erate appeal s full s t r a e fi i a . may u h all s r nst e in a appeal a ff no lie o s r t s no b t d , w y or ; part o m o c e a f t n p s lic e r are sclai u t us i i i y i o m i w no m or t availa i c oo y t f n c i writte n h h r ti t o or any legal e m d a qu This ond , urance informati ficati t fo arising out 6 to provide a t any, coverage has bee it obligati notic right legall a d r polic a to b e s ti inte This fte udes Our d y u h h nd by w under w o iss ment e renewed, y po any t c part udgment for covered i f s i to u GROUP PERSONAL EXCESS LIABILITY POLICY s y, s any n f lic e : n r documents whic an h n we n s il p fi i ociati ou the amoun s o v f m n t o de f r f r o h d d days h ee d on. y t agree l a may incl damages, we may a following e n a iti c ca m notic n d y D qu o ub a o cond te t or b wee appeal ncel G the by f t rest ; eac h e bet suit papers y y ca n a s o ec s r s days n cellati f a h ate has bee but e o 30 m on f the there yo obligate s to us wit n t 30 n any e o n b e ca a a incl s iti ea a e h you n r . applie qualify e no r e s are f s po or and on clai mite y to to 0 r on t you m mit s o t w r e the o , any ass other l w to pay has bee verage y i incl se f e e u y e ce an oppo h l change finall n , uding h choose to do so. pu will y s longer not li ntia d member us n d d c eac as h Page 17 of 18 u wit p h 3 r d coverage or ubsta 0 d a y h increa it ov rtunit the e s of mant. No r i rchase a und co f f tic e person

Form 10-02-0691 (Rev. 7-23) effective date of part o soring must ummary o Special Conditions that individual no long we the Spon a member re date o ca on at the maili individual shown in the Coverage Refund In the ca or as soo as poss any fte f it, pro rata for the unexpired term of the policy. rwards to fies as yo a we of ( ncellati ncellati the the ng address by termination shown for Member Participant Change Endorsement,whichever comes first. i on or in writi and we ca days from , or date ncellati or any a no quali S Termination Should f polic on ible reason er longer qualify on Procedu on To on, o this n y for the Spon Organizati notice will include the date the cancellation is to take effect. not the individual ng. This rtiOrganizati . date ncel ca fy as us, will on. The unea (continued) . event an soring Organizati the Defined rned , maile 60) f . re Certificate of fund obtai be the polic on u member the Sponsoring Organization’s Defined Groupthe De any unearned ficat will be computed notic Group ce d e y maili ffecti or will e will a coverage the Spon on ve fined Group, premium will cease Thisn premium f expirati sixty to Page 18 of 18 the e soring ng.