Microsoft Word - 2020 VIS Liability Policy-V3-Final.docx

Lloyd’s

Certificate

This Insurance is effected with certain Underwriters at Lloyd's,

London.

This Certificate is issued in accordance with the limited

authorization granted to the Correspondent by certain Underwriters at

Lloyd's, London whose syndicate numbers and the proportions underwritten

by them can be ascertained from the office of the said Correspondent (such

Underwriters being hereinafter called "Underwriters") and in consideration of

the premium specified herein, Underwriters hereby bind themselves severally

and not jointly, each for his own part and not one for another, their

Executors and Administrators.

The Assured is requested to read this Certificate, and if it is not

correct, return it immediately to the Correspondent for appropriate

alteration.

All inquiries regarding this Certificate should be addressed to the following

Correspondent:

XS/Group, Inc.

2750 Killarney Drive, Suite 202

Woodbridge, VA 22192-4124

SLC-3 (USA) NMA2868 (24/08/2000)



ENDV2020

CERTIFICATE PROVISIONS

1. Signature Required. This Certificate shall not be valid unless signed by the Correspondent on the

attached Declaration Page.

2. Correspondent Not Insurer. The Correspondent is not an Insurer hereunder and neither is nor shall be

liable for any loss or claim whatsoever. The Insurers hereunder are those Underwriters at Lloyd's, London

whose syndicate numbers can be ascertained as hereinbefore set forth. As used in this Certificate

"Underwriters" shall be deemed to include incorporated as well as unincorporated persons or entities that

are Underwriters at Lloyd's, London.

3. Cancellation. If this Certificate provides for cancellation and this Certificate is cancelled after the

inception date, earned premium must be paid for the time the insurance has been in force.

4. Service of Suit. It is agreed that in the event of the failure of Underwriters to pay any amount claimed to

be due hereunder, Underwriters, at the request of the Assured, will submit to the jurisdiction of a Court

of competent jurisdiction within the United States. Nothing in this Clause constitutes or should be

understood to constitute a waiver of Underwriters' rights to commence an action in any Court of

competent jurisdiction in the United States, to remove an action to a United States District Court, or to

seek a transfer of a case to another Court as permitted by the laws of the United States or of any State in

the United States. It is further agreed that service of process in such suit may be made upon the firm or

person named in item 6 of the attached Declaration Page, and that in any suit instituted against any one

of them upon this contract, Underwriters will abide by the final decision of such Court or of any Appellate

Court in the event of an appeal.

The above-named are authorized and directed to accept service of process on behalf of Underwriters in

any such suit and/or upon request of the Assured to give a written undertaking to the Assured that they

will enter a general appearance upon Underwriters' behalf in the event such a suit shall be instituted.

Further, pursuant to any statute of any state, territory or district of the United States which makes

provision therefor, Underwriters hereby designate the Superintendent, Commissioner or Director of

Insurance or other officer specified for that purpose in the statute, or his successor or successors in

office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit

or proceeding instituted by or on behalf of the Assured or any beneficiary hereunder arising out of this

contract of insurance, and hereby designate the above-mentioned as the person to whom the said officer

is authorized to mail such process or a true copy thereof.

5. Assignment. This Certificate shall not be assigned either in whole or in part without the written consent

of the Correspondent endorsed hereon.

6. Attached Conditions Incorporated. This Certificate is made and accepted subject to all the provisions,

conditions and warranties set forth herein, attached or endorsed, all of which are to be considered as

incorporated herein.

7. Short Rate Cancellation. If the attached provisions provide for cancellation, the table below will be used

to calculate the short rate proportion of the premium when applicable under the terms of cancellation.



ENDV2020

Short Rate Cancellation Table For Term of One Year.

Days

Insurance in

Force

Per Cent

of one year

Premium

Days

Insurance in

Force

Per Cent

of one year

Premium

Days

Insurance in

Force

Per Cent

of one year

Premium

Days

Insurance in

Force

Per Cent

of one year

Premium

1 ................. 5%

2 ................. 6

3 - 4 .................. 7

5 - 6 .................. 8

7 - 8 .................. 9

9 - 10 .................. 10

11 - 12 .................. 11

13 - 14 .................. 12

15 - 16 .................. 13

17 - 18 .................. 14

19 - 20 .................. 15

21 - 22 .................. 16

23 - 25 .................. 17

26 - 29 .................. 18

30 - 32 ( 1 mos ) ...... 19

33 - 36 .................. 20

37 - 40 .................. 21

41 - 43 .................. 22

44 - 47 .................. 23

48 - 51 .................. 24

52 - 54 .................. 25

55 - 58 .................. 26

59 - 62 ( 2 mos ) ...... 27

63 - 65 .................. 28

66 - 69 ................. 29%

70 - 73 ................. 30

74 - 76 ................. 31

77 - 80 ................. 32

81 - 83 ................. 33

84 - 87 ................. 34

88 - 91 ( 3 mos ) .... 35

92 - 94 ................. 36

95 - 98 ................. 37

99 - 102 ................. 38

103 - 105 ................. 39

106 - 109 ................. 40

110 - 113 ................. 41

114 - 116 ................. 42

117 - 120 ................. 43

121 - 124 ( 4 mos ) ..... 44

125 - 127 ................. 45

128 - 131 ................. 46

132 - 135 ................. 47

136 - 138 ................. 48

139 - 142 ................. 49

143 - 146 ................. 50

147 - 149 ................. 51

150 - 153 ( 5 mos ) ..... 52

154 - 156 ................. 53%

157 - 160 ................. 54

161 - 164 ................. 55

165 - 167 ................. 56

168 - 171 ................. 57

172 - 175 ................. 58

176 - 178 ................. 59

179 - 182 ( 6 mos ) ..... 60

183 - 187 ................. 61

188 - 191 ................. 62

192 - 196 ................. 63

197 - 200 ................. 64

201 - 205 ................. 65

206 - 209 ................. 66

210 - 214 ( 7 mos ) ..... 67

215 - 218 ................. 68

219 - 223 ................. 69

224 - 228 ................. 70

229 - 232 ................. 71

233 - 237 ................. 72

238 - 241 ................. 73

242 - 246 ( 8 mos ) ..... 74

247 - 250 ................. 75

251 - 255 ................. 76

256 - 260 ................. 77%

261 - 264 ................. 78

265 - 269 ................. 79

270 - 273 ( 9 mos ) .... 80

274 - 278 ................. 81

279 - 282 ................. 82

283 - 287 ................. 83

288 - 291 ................. 84

292 - 296 ................. 85

297 - 301 ................. 86

302 - 305 ( 10 mos ) .... 87

306 - 310 ................. 88

311 - 314 ................. 89

315 - 319 ................. 90

320 - 323 ................. 91

324 - 328 ................. 92

329 - 332 ................. 93

333 - 337 ( 11 mos ) .... 94

338 - 342 ................. 95

343 - 346 ................. 96

347 - 351 ................. 97

352 - 355 ................. 98

356 - 360 ................. 99

361 - 365 ( 12 mos ) .... 100

Rules applicable to insurance with terms less than or more than one year:

A. If insurance has been in force for one year or less, apply the short rate table for annual insurance to the

full annual premium determined as for insurance written for a term of one year.

B. If insurance has been in force for more than one year:

1. Determine full annual premium as for insurance written for a term of one year.

2. Deduct such premium from the full insurance premium, and on the remainder calculate the pro rata

earned premium on the basis of the ratio of the length of time beyond one year the insurance has

been in force to the length of time beyond one year for which the policy was originally written.

3. Add premium produced in accordance with items (1) and (2) to obtain earned premium during full

period insurance has been in force.



ENDV2020

One Lime Street London EC3M 7HA

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ENDV2020

VOLUNTEERSINSURANCESERVICECOMBINEDEXCESSLIABILITYPOLICY

Variousprovisionsinthispolicyrestrictcoverage.Readtheentirepolicycarefullytodeterminerights,dutiesandwhatis

andisnotcovered.



Throughoutthispolicythewords“you”and“your”refertothe“namedorganization”shownintheDeclarations.The

words“we”,“us”and“our”refertothe

companyprovidingthisinsurance.The“retainedlimit”referencesthroughout

thepolicyonlyapplytothe“autocoverage”afforded.



Theword“insured”meansanyindividual“registeredvolunteer”qualifyingassuchunderSECTIONII–WHOISAN

INSURED.



Otherwordsandphrasesthatappearinquotation markshavespecialmeaning.Refer

toSECTIONV–DEFINITIONS.



SECTIONI–COVERAGE



A. InsuringAgreement



1. VolunteerExcessLiability.Wewillpayallsumsinexcessofthe“retainedlimit”thatthe“insured”becomes

legallyobligatedtopayasdamagesbecauseof“bodilyinjury”,“propertydamage”or“personalinjury”towhich

thisinsuranceapplies.Theamountwewillpayislimitedas

describedinSECTIONIII–LIMITSOFINSURANCE.



VolunteerExcessAutoLiability.Wewillpayallsumsinexcessofthe“retainedlimit”thatthe“insured”

becomeslegallyobligatedtopayasdamagesbecauseof“bodilyinjury”,“propertydamage”or“personalinjury”

towhichthisinsuranceapplies.Theamountwe

willpayislimitedasdescribedinSECTIONIII–LIMITSOF

INSURANCE.



2. Bothinsuringagreementsapplyto“bodilyinjury”,“propertydamage”or“personalinjury”onlyif:



a. The“bodilyinjury”,“propertydamage”or“personalinjury”arisesoutoftheperformanceofthe

“insured’s”volunteerserviceonbehalf

ofthe“namedorganization”,butdoesnotincludetraveltoor

fromtheplaceofvolunteerservice;



b. (1)The“bodilyinjury”or“propertydamage”iscausedbyan“occurrence”underthevolunteerexcess

liabilityor“accident”underthevolunteerexcessautoliability;



(2)The“personalinjury”iscausedby

anoffenseunderthevolunteerexcessliabilityoran“accident”

underthevolunteerexcessautoliability;



thattakesplaceinthe“coverageterritory”,and



c. The“bodilyinjury”,“propertydamage”or“personalinjury”occursduringthepolicyperiod.



3. Damagesbecauseof“bodilyinjury”or“personalinjury”includedamages

claimedbyanypersonororganization

forcare,lossofservicesordeathresultingatanytimefromthe“bodilyinjury”.



4. a. Wehavetherighttoparticipatewiththe“insured”orwiththeinsurerofotherinsuranceinthedefense

ofany“suit”thatmightinvolvethisinsurance.

Insuchevent,the“insured”orinsurerandweshall

cooperatefully.



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ENDV2020

b. Intheeventthatthe“retainedlimit”forexcessautoliability,orotherinsurancelimitforexcessvolunteer

liability,isexhausted,wehavetherightanddutytodefendthe“insured”againstany“suit”towhichthis

insuranceappliesandisimmediatelyinexcessof

such“retainedlimit”orotherinsurancewithout

interveningself‐insuranceorexcessinsurance.



c. Wemayatourdiscretioninvestigateany“occurrence”or“accident”oroffensetowhichthisinsurance

appliesandsettleanyclaimthatmayresult.Wehavenodutytodefendany“insured”againstany“suit”

whichthisinsurancedoesnotapply.



d. Ourdutytodefendany“suit”endswhenwehaveuseduptheapplicablelimitofinsuranceinthe

paymentofjudgmentsorsettlementsunderthisinsurance.



5. Nootherobligationorliabilitytopaysumsorperformactsorservicesis

coveredunlessexplicitlyprovidedfor

underSUPPLEMENTARYPAYMENTS,providedalwaysthatalimitisshownonthecertificateofinsuranceand

thecorrespondingpremiumhasbeenpaid.



6. Any“bodilyinjury”,“propertydamage”or“personalinjury”causedbyanaccidentcoveredundertheVolunteer

ExcessAutoLiabilityCoverageisnot

coveredundertheVolunteerExcessLiabilityCoverage.



B. CommonPolicyExclusions



Thisinsurancedoesnotapplyto:



 1. ExpectedorIntendedInjury



“Bodilyinjury”or“propertydamage”expected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personsorproperty.



 2. ContractualLiability



“Bodilyinjury”,“propertydamage”or“personalinjury”forwhichthe“insured”isobligatedtopaydamagesby

reasonoftheassumptionofliabilityinacontractoragreement.Thisexclusiondoesnotapplytoliabilityfor

damages:



 Thatthe“insured”wouldhaveintheabsenceofthecontractoragreement;or



b. Arisingoutof“bodilyinjury”or“propertydamage”or“personalinjury”assumedinacontractor

agreementthatisan“incidentalcontract”,providedthe“bodilyinjury”or“propertydamage”or

“personalinjury”occurssubsequentto

theexecutionofthecontractoragreement.Solelyforthe

purposesofliabilityassumedinan“incidentalcontract”,reasonableattorneyfeesandnecessarylitigation

expensesincurredbyorforapartyotherthanan“insured”aredeemedtobedamagesbecauseof“bodily

injury”or“propertydamage”,provided:



(1) Liability

tosuchpartyfor,orforthecostof,thatparty’sdefensehasalsobeenassumedinthesame

“incidentalcontract”,and



(2) Suchattorneyfeesandlitigationexpensesarefordefenseofthatpartyagainstaciviloralternative

disputeresolutionproceedinginwhichdamagestowhichthisinsurance

appliesarealleged.



 3. WorkersCompensationandsimilarLaws



Anyobligationofthe“insured”underaworkerscompensation,disabilitybenefitsorunemployment

compensationlaworanysimilarlaw.



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ENDV2020

 4. Pollution



“Bodilyinjury”or“propertydamage”arisingoutoftheactual,allegedorthreateneddischarge,dispersal,

seepage,migration,releaseorescapeof“pollutants”:



a. Thatare,orthatarecontainedinanypropertythatis:



(1) Beingtransportedortowedby,handled,or

handledformovementinto,ontoorfrom,thecovered

“auto”;



(2) Otherwiseinthecourseoftransitbyoronbehalfofthe“insured”;or



(3) Beingstored,disposedof,treatedorprocessedinoruponthecovered“auto”.



b. Beforethe“pollutants”oranypropertyinwhichthe

“pollutants”arecontainedaremovedfromtheplace

wheretheyareacceptedbythe“insured”formovementintoorontothecovered“auto”;or



c. Afterthe“pollutants”oranypropertyinwhichthe“pollutants”arecontainedaremovedfromthe

covered“auto”totheplacewheretheyarefinally

delivered,disposedoforabandonedbythe“insured”.



Paragrapha.abovedoesnotapplytofuels,lubricants,fluids,exhaustgasesorothersimilar“pollutants”that

areneededfororresultfromthenormalelectrical,hydraulicormechanicalfunctioningofthecovered“auto”

oritspartsif:



(1) The“pollutants”

escape,seep,migrateoraredischarged,dispersedorreleaseddirectlyfroman“auto”

partdesignedbyitsmanufacturertohold,store,receiveordisposeofsuch“pollutants”;and



(2) The“bodilyinjury”,“propertydamage”orcoveredpollutioncostorexpensedoesnotariseoutofthe

operationofanyequipment

listedinthedefinitionof“mobileequipment”.



Paragraphsb.andc.aboveofthisexclusiondonotapplyto“accidents”thatoccurawayfrompremisesowned

byorrentedtoan“insured”withrespectto“pollutants”notinoruponacovered“auto”if:



(1) The“pollutants”oranyproperty

inwhichthe“pollutants”arecontainedareupset,overturnedor

damagedasaresultofthemaintenanceoruseofacovered“auto”,and



(2) Thedischarge,dispersal,seepage,migration,releaseorescapeofthe“pollutants”iscauseddirectlyby

suchupset,overturnordamage.



 5. AircraftorWatercraft



“Bodilyinjury”or“propertydamage”arisingoutoftheownership,maintenance,useoforentrustmentto

othersofanyaircraftorwatercraftownedoroperatedbyorrentedorloanedtoany“insured”.Useincludes

operationand“loadingorunloading”.



Thisexclusiondoesnotapplyto:



a. Awatercraft

youdonotownthatis:



(1) Lessthan26feetlong;and



(2) Notbeingusedtocarrypersonsorpropertyforacharge;



b. Liabilityassumedunderany“incidentalcontract”fortheownership,maintenanceoruseofaircraftor

watercraft.

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ENDV2020

 6. War



“Bodilyinjury”or“propertydamage”duetowar,whetherornotdeclared,oranyactorconditionsincidentto

war.Warincludescivilwar,insurrection,rebellionorrevolution.Thisexclusionappliesonlytoliabilityassumed

underacontractoragreement.



 7. Damage

toProperty



“Propertydamage”to:



a. Propertyowned,rentedoroccupiedbythe“insured”;



b. Propertyloanedtothe“insured”;or



c. Propertyinthecare,custodyorcontrolofthe“insured”;



Paragraphsb.andc.ofthisexclusiondonotapplytoliabilityassumedunderasidetrack

agreement,and

paragraphc.ofthisexclusiondoesnotapplyto“propertydamage”(otherthantoelevators)arisingoutofthe

useofanelevatoratthepremisesownedby,rentedtoorcontrolledbythe“namedorganization”.



 8. PersonalInjury



“Personalinjury”:



a. Arisingoutoforalor

writtenpublicationofmaterial,ifdonebyoratthedirectionofthe“insured”with

knowledgeofitsfalsity;



b. Arisingoutoforalorwrittenpublicationofmaterialwhosefirstpublicationtookplacebeforethe

beginningofthepolicyperiod;



c. Arisingoutofacriminalactcommitted

byoratthedirectionofany“insured”;



 9. Professional



Liabilityarisingoutof“professionalservices”or“professionalhealthcare”wherethe“insured”isalicensed

professionalinthatparticularfield.



 10. Racing



“Autos”or“mobileequipment”whileusedinanyprofessionalororganizedracingordemolitioncontest

or

speedorstuntingactivity,orwhilepracticingforsuchcontestoractivity.Thisinsurancealsodoesnotapply

whilethat“auto”isbeingpreparedforsuchacontestoractivity.



 11. WorkReleaseandAlternativeSentencing



Liabilityarisingoutoftheactionsofanypersonwhoisa

partofa“workreleaseprogram”or“courtreferred

alternativesentencingvolunteerprogram”orpartofaprogramrelatedtoorassociatedinanymannerwitha

“workreleaseprogram”.



 Thefollowingexclusionsapplysolelytovolunteerexcessautocoverage:



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ENDV2020

 12. Uninsured/UnderinsuredMotorists



Anyobligationunderanyuninsuredorunderinsuredmotoristslaw,“no‐fault”law,basicreparationsbenefit

law,anylawrequiringpersonalinjuryprotectioncoverage,oranysimilarlaw.



 13. Operations



“Bodilyinjury”or“propertydamage”arisingoutoftheoperationsof

equipmentlistedinthedefinitionof

“mobileequipment”



 14. HandlingofProperty



“Bodilyinjury”or“propertydamage”resultingfromthehandlingofproperty:



a. Beforeitismovedfromtheplacewhereitisacceptedbythe“insured”formovementintoorontothe

“auto”;or



b. After

itisremovedfromthe“auto”totheplacewhereitisfinallydeliveredbythe“insured”.



 15. MovementofPropertybyMechanicalDevice



“Bodilyinjury”or“propertydamage”resultingfromthemovementofpropertybyamechanicaldevice(other

thanahandtruck)unlessthedeviceisattached

tothe“auto”.



SUPPLEMENTARYPAYMENTSCOVERAGES



Wewillpay,withrespecttoanyclaimweinvestigateorsettle,orany“suit”againstan“insured”wedefend:



A. Allexpensesweincur.



B. Upto$2,000forcostofbailbondsrequiredbecauseofaccidentsortrafficlawsviolationsarisingoutoftheuseof

any

vehicletowhichtheVolunteerExcessAutoLiabilityCoverageapplies.Wedonothavetofurnishthesebonds.



C. Thecostofbondstoreleaseattachments,butonlyforbondamountswithintheapplicablelimitofinsurance.We

donothavetofurnishthesebonds.



D. Allreasonableexpensesincurred

bythe“insured”atourrequesttoassistusintheinvestigationordefenseofthe

claimor“suit”,includingactuallossofearningsupto$250adaybecauseoftimeofffromwork.



E. Allcoststaxedagainstthe“insured”inany“suit”againstthe“insured”wedefend.





F. Allinterestonthefullamountofanyjudgmentthataccruesafterentryofthejudgmentandbeforewehavepaid,

offeredtopay,ordepositedincourtthepartofthejudgmentthatiswithintheapplicablelimitofinsurance.



G. Reasonableexpenseincurredbythe“insured”,

inconnectionwith“bodilyinjury”towhichthisinsuranceapplies,for

suchimmediatemedicalandsurgicalrelieftoothersasshallbenecessaryatthetimeoftheaccident.



Thesepaymentswillnotreducethelimitsofinsurance.



Ifwedefendan“insured”againsta“suit”andanindemniteeof

the“insured”isalsonamedasapartytothe“suit”,we

willdefendthatindemniteeifallofthefollowingconditionsaremet:



1. The“suit”againsttheindemniteeseeksdamagesforwhichthe“insured”hasassumedtheliabilityoftheindemnitee

inacontractoragreementthatis

an“incidentalcontract”;



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ENDV2020

2. Thisinsuranceappliestosuchliabilityassumedbythe“insured”;



3. Theobligationtodefend,orthecostofthedefenseofthatindemnitee,hasalsobeenassumedbythe“insured”in

thesame“incidentalcontract”.



4. Theallegationsinthe“suit”andthe

informationweknowaboutthe“occurrence”aresuchthatnoconflictappears

toexistbetweentheinterestsofthe“insured”andinterestsoftheindemnitee;



5. Theindemniteeandthe“insured”askustoconductandcontrolthedefenseofthatindemniteeagainstsuch“suit”

andagreethatwecan

assignthesamecounseltodefendthe“insured”andindemnitee;and



6. Theindemnitee:



 a. Agreesinwritingto:



(1) Cooperatewithusintheinvestigation,settlementordefenseofthe“suit”;



(2) Immediatelysenduscopiesofanydemand,notices,summonsorlegalpapersreceivedinconnection

with

the“suit”;



(3) Notifyanyotherinsurerwhosecoverageisavailabletotheindemnitee;and



(4) Cooperatewithuswithrespecttocoordinatingotherapplicableinsuranceavailabletotheindemnitee;

and



 b. Providesuswithwrittenauthorizationto:



(1) Obtainrecordsandotherinformationrelatedtothe

“suit”;and



(2) Conductandcontrolthedefenseoftheindemniteeinsuch“suit”.



 Solongastheastheaboveconditionsaremet,attorneysfeesincurredbyusinthedefenseofthatindemnitee,

necessarylitigationexpensesincurredbyusandnecessarylitigationexpensesincurredbytheindemnitee

atour

requestwillbepaidasSupplementaryPayments.NotwithstandingtheprovisionsofparagraphB.2.b.ofExclusions

(SectionI–Coverages),suchpaymentswillnotbedeemedtobedamagesfor“bodilyinjury”and“propertydamage”

andwillnotreducethelimitsofinsurance.



 Ourobligationtodefendan“insured’s”

indemniteeandtopayforattorneysfeesandnecessarylitigationexpenses

asSupplementaryPaymentsendwhen:



 1. Wehaveuseduptheapplicablelimitofinsuranceinthepaymentofjudgmentsorsettlements;or



2. Theconditionssetforthabove,orthetermsoftheagreementdescribedinparagraph

6.above,arenolonger

met.



SECTIONII–WHOISANINSURED



An“insured”isanindividual“registeredvolunteer”ofthe“namedorganization”,butonlywithrespecttotheliabilityof

the“registeredvolunteer”forvolunteerserviceactivitiesofthe“namedorganization”orperformanceofvolunteer

servicebysuch“registeredvolunteer”onbehalfofthe“namedorganization”.Theforegoingappliesregardlessof:



A. Anycollegecreditsgivenforvolunteerwork;or



B. Reimbursementofexpensesformileagedrivenasavolunteer.

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ENDV2020



The“namedorganization”shownintheDeclarationsisnotan“insured”underthispolicy.



SECTIONIII–LIMITSOFINSURANCE



A. TheLimitsofInsuranceshownintheDeclarationsandtherulesbelowfixthemostwewillpayundertheVolunteer

ExcessAutoLiabilitycoverageregardlessofthenumberof:



 1. “Autos”involvedinthe“accident”;



 2. “Insureds”involvedinthe“accident”;



 3. Claimsmadeor

“suits”brought;or



 4. Personsororganizationsmakingclaimsorbringing“suits”.



 TheEachAutomobileAccidentLimitisthemostwewillpayforthesumofalldamagesbecauseof“bodilyinjury”,

“propertydamage”or“personalinjury”arisingoutofeach“accident”.



B. TheLimitsofInsuranceshown

intheDeclarationsandtherulesbelowfixthemostwewillpayundertheVolunteer

ExcessLiabilitycoverageregardlessofthenumberofclaimsmadeor“suits”brought,personsororganizations

makingclaimsorbringing“suits”.



1. TheEachOccurrenceLimitisthemostwewillpayforthe

sumofalldamagesundertheVolunteerExcess

Liabilitycoverage.



2. TheAnnualAggregateLimitisthemostwewillpayforthesumofalldamagesduringthepolicyperiodforall

“insureds”undertheVolunteerExcessLiabilitycoverage.



 TheLimitsofInsuranceofthisPolicyapplyseparately

toeachconsecutiveannualperiodandtoanyremaining

periodoflessthantwelve(12)months,startingwiththebeginningofthepolicyperiodshownintheDeclarations,

unlessthepolicyperiodisextendedafterissuanceforanadditionalperiodoflessthantwelve(12)months.Inthat

case,the

additionalperiodwillbedeemedpartofthelastprecedingperiodforthepurposesofdeterminingthe

LimitsofInsurance.



SECTIONIV–CONDITIONS



A. Bankruptcy



 Bankruptcyorinsolvencyofthe“insured”orofthe“insured’s”estatewi llnotrelieveusofourobligationsunderthis

Policy.



B. DutiesintheEventofOccurrence,Accident,Offense,ClaimorSuit



1. The“namedorganization”,the“insured”,orsomeoneofbehalfofthe“insured”

mustseetoitthatweare

notifiedassoonaspracticableofan“occurrence”,“accident”oranoffensewhichmayresultinaclaim

involvingdamageswhicharelikelytoexceed50%ofthe“retainedlimits”orotherinsurance.



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ENDV2020

2. The“namedorganization”andthe“insured”shallcooperatetodetermineifthe“occurrence”,“accident”or

offensetookplaceinthecourseofthe“insured’s”volunteerserviceactivitiesonbehalfofthe“named

organization”.Totheextentpossible,noticeshouldinclude:



a. Thenameof

the“insured”involved;



b. How,whenandwherethe“occurrence”,“accident”,oroffensetookplace;



c. Thenamesandaddressofanyinjuredpersonsandwitnesses;and



 d. Thenatureandlocationofanyinjuryordamagearisingoutofthe“occurrence”,“accident”,oroffense.



3. If

aclaimismadeor“suit”isbroughtagainstany“insured”whichislikelytoinvolvethisinsurance,the“named

organization”andthe“insured”must:



a. Immediatelyrecordthespecificsoftheclaimor“suit”andthedatereceived;and



b. Notifyusassoonaspracticable.



The“namedorganization”andthe“insured”mustseetoitthatwereceivewrittennoticeoftheclaimor“suit”

assoonaspracticable.



4. The“namedorganization”orthe“insured”must:



a. Immediatelysenduscopiesofanydemands,notices,summonsorlegalpapersreceivedinconnection

withthe

claimor“suit”;



b. Authorizeustoobtainrecordsandotherinformation;



c. Cooperatewithusintheinvestigationorsettlementoftheclaimordefenseagainstthe“suit”;and



d. Assistus,uponourrequest,intheenforcementofanyrightagainstanypersonororganization,which

may

beliabletothe“insured”becauseofinjuryordamagetowhichthisinsurancemayalsoapply.



5. Neitherthe“namedorganization”northe“insured”will,exceptatthe“namedorganization’s”orthe

“insured’s”owncost,voluntarilymakeapayment,assumeanyobligation,orincuranyexpenseotherthanfor



firstaid,withoutourconsent.



C. LegalActionAgainstUs



NopersonororganizationhasarightunderthisPolicy:



1. Tojoinusasapartyorotherwisebringusintoa“suit”askingfordamagesfroman“insured”;or



2. TosueusonthisPolicy

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”

obtainedafteranactualtrial;butwewillnotbeliablefordamagesthatarenotpayableunderthe

termsofthisPolicy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claimant’slegalrepresentative.



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ENDV2020

D. OtherInsurance



Ifotherinsurance,includingbutnotlimitedtothe“retainedlimit,”isavailabletothe“insured”foralosswecoverunder

SECTIONI–COVERAGEofthispolicy,thisinsuranceisexcessoverthatotherinsuranceandwillnotapplyuntil

allother

applicableinsurancehasbeenfullyexhausted.Thisinsuranceshallnotcontributewithsuchotherinsurance.



Nothinghereinshallbeconstruedtomakethispolicysubjecttotheterms,conditionsandlimitationsofotherinsurance.



E. Premium



Thepremiumforthispolicyisbasedupon“registeredvolunteers”,and

shallbecomputedbyapplyingtoeach“registered

volunteer”therateshownintheDeclarations.The“namedorganization”shallpaytheadvancepremiumbasedonits

estimatednumberofvolunteersforthenexttwelve(12)monthsorapro‐rataamountifthepolicytermislessthan

twelve(12)months.

Thispremiumisfullyearnedatthecertificate’sinceptiondate.Attheendofeachtwelve‐month

period,thecompanyshallhavetherighttorequestastatementoftheactualnumberof“registeredvolunteers”during

theprecedingtwelve(12)months.Iftheearnedpremiumthuscomputedexceedstheadvance

premiumpaid,the

“namedorganization”shallpaytheexcesstous.



Each“namedorganization”shallmaintainarosterof“registeredvolunteers”includingtheinitialdateofserviceanddate

oftermination.



TheMinimumPremiumshallbeasstatedintheDeclarations.



Thefirst“namedorganization”shownintheDeclarations:



 1. Isresponsibleforthepaymentofallpremiums;and



 2. Willbethepayeeforanyreturnpremiumswepay.



F. Representations



Byacceptingthispolicy,youagreethat:



 1. ThestatementsintheDeclarationsareaccurateandcomplete;



 2. Thosestatementsarebasedupon

representationsyoumadetous;and



 3. Wehaveissuedthispolicyinrelianceuponyourrepresentations.



G. SeparationofInsureds



ExceptwithrespecttotheLimitsofInsurance,andanyrightsordutiesspecificallyassignedinthisPolicytothefirst

“namedorganization”,thisinsuranceappliesseparatelyto

each“insured”againstwhichclaimismadeor“suit”is

brought.



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ENDV2020

H. TransferofRightsofRecoveryAgainstOtherstoUs



Ifthe“insured”hasrightstorecoverallorpartofanypaymentwehavemadeunderthisPolicy,thoserightsare

transferredtous.The“insured”mustdonothingafterlosstoimpairthem.

Atourrequest,the“insured”willbring“suit”

ortransferthoserightstousandhelpusenforcethem.



I. WhenWeDoNotRenew



IfwedecidenottorenewthisPolicy,wewillmailordelivertothefirst“namedorganization”shownintheDeclarations

writtennoticeof

thenonrenewalnotlessthanthirty(30)daysbeforetheexpirationdate.



Ifnoticeismailed,proofofmailingwillbesufficientproofofnotice.



J. Cancellation



1. Itistheresponsibilityofthefirst“namedorganization”shownintheDeclarationstoproperlynotifyall

“insureds”ofthecancellation

ofthispolicy.



2. Thefirst“namedorganization”shownintheDeclarationsmaycancelthispolicybymailingordeliveringtous

advancewrittennoticeofcancellation.



3. Wemaycancelthispolicybymailingordeliveringtothefirst“namedorganization”writtennoticeof

cancellationatleast:



a. ten(10)daysbeforetheeffectivedateofcancellationifwecancelfornonpaymentofpremium;or



b. thirty(30)daysbeforetheeffectivedateofcancellationifwecancelforanyotherreason.



4. Wewillmailordeliverournoticetothefirst“namedorganization’s”last

mailingaddressknowntous.



5. Noticeofcancellationwillstatetheeffectivedateofcancellation.Thepolicyperiodwillendonthatdate.



6. Ifthispolicyiscancelled,wewillsendthefirst“namedorganization”anypremiumrefunddue.Ifwecancel,the

refundwillbepro‐rata.

Ifthe“namedorganization”cancels,therefundmaybeless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.



K. Changes



Thispolicycontainsallthe

agreementsbetweenyouandusconcerningtheinsuranceafforded.Thefirst“named

organization”shownintheDeclarationsisauthorizedtomakechangesinthetermsofthispolicywithourconsent.This

policy’stermscanbeamendedorwaivedonlybyendorsementissuedbyusandmadeapartof

thispolicy.



L. ExaminationofYourBooksandRecords



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threeyearsafterward.



M. InspectionandSurveys



Wehavetherightbutarenotobligated

to:



 1. Makeinspectionsandsurveysatanytime;



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ENDV2020

 2. Giveyoureportsontheconditionswefind;and



 3. Recommendchanges.



Anyinspections,surveys,reportsorrecommendationsrelateonlytoinsurabilityandthepremiumstobecharged.Wedo

notmakesafetyinspections.Wedonotundertaketoperformthedutyof

anypersonororganizationtoprovideforthe

healthorsafetyofworkersorthepublic.Wedonotwarrantanyconditions.



SECTIONV‐DEFINITIONS



A. “Accident”isan“occurrence”whichinvolvestheownership,maintenanceoruseofan“auto”.



B. “Auto”meansaprivatepassengerlandmotorvehicle,trailerorsemitrailerdesignedfortravelonpublicroads,

Includinganyattachedmachineryorequipment,whichis:



 1. Ownedbythe“insured”orspouseor

both;or



 2. Leasedtothe“insured”orspouseorboth;or



3. Notownedbythe“insured”orspouseorboth,whiletemporarilyusedasasubstitute“auto”describedin1.or

2.abovewhilewithdrawnfromnormalusebecauseofbreakdown,repair,servicing,lossordestruction.



“Auto”

doesnotinclude“mobileequipment”.However,transportationof“mobileequipment”byan“auto”isincluded.



C. “Bodilyinjury”meansbodilyinjury,sicknessordiseasesustainedbyaperson,includingdeathandmentalanguish

resultingfromanyoftheseatanytime.



D. “Coverageterritory”means:



1. TheUnitedStates

ofAmerica(includingitsterritoriesandpossessions),PuertoRicoandCanada;



2. Internationalwatersorairspace,providedtheinjuryordamagedoesnotoccurinthecourseoftravelor

transportationtoorfromanyplacenotincludedin1.above;or



3. Allpartsoftheworldif;



a. Theinjuryordamagearisesoutoftheactivitiesofthe“insured”whosehomeisintheterritorydescribed

in1.above,butisawayforashorttimeonbusinesssponsoredorrequiredbythe“namedorganization”;

and



b. The“insured’s”responsibilitytopaydamagesisdeterminedin

a“suit”onthemerits,intheterritory

describedin1.aboveorinasettlementweagreeto.



 Items2.and3.abovearenotapplicableto“auto”.



E. “CourtReferredAlternativeSentencingVolunteerProgram”meansanyprogramdesignedorintendedtoplace

personsinvarioustypesof

publicorcommunityserviceinlieuoffinesorincarceration.



F. “Incidentalcontract”means:



1. Acontractforleaseofpremises.However,thatportionofthecontractforaleaseofpremisesthatindemnifies

anypersonororganizationfordamagebyfiretopremiseswhilerentedtoyouortemporarily

occupiedbyyou

withpermissionoftheownerisnotan“incidentalcontract”;

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ENDV2020



2. Asidetrackagreement;



3. Anyeasementorlicenseagreement,exceptinconnectionwithconstructionofdemolitionoperationsonor

within50feetofarailroad;



4. Anobligation,asrequiredbyordinance,toindemnifyamunicipality,exceptinconnectionwithworkfora

municipality;



5. Anelevatormaintenanceagreement;



6. Thatportionofanycontractoragreemententeredinto,aspartofyourvolunteerservice,pertainingtothe

rentalorlease,byan“insured”,ofany“auto”.However,suchcontractoragreementshallnotbeconsideredan

“incidentalcontract”:



a. Tothe

extentthatitobligatesan“insured”topayfor“propertydamage”toany“auto”rentedorleased

toan“insured”;



b. Ifthe“auto”isloaned,leasedorrentedwithadriver;or



c. Thatholdsapersonororganizationengagedinthebusinessoftransportingpropertyby“auto”for

hire

harmlessforuseofan“auto”overarouteorterritorythatpersonororganizationisauthorizedtoserve

bypublicauthority.



G. “Loadingorunloading”meansthehandlingofproperty:



1. Afteritismovedfromtheplacewhereitisacceptedformovementintooronto

anaircraftorwatercraft;



2. Whileitisinoronanaircraftorwatercraft;or



3. Whileitisbeingmovedfromanaircraftorwatercraftattheplacewhereitisfinallydelivered;



 but“loadingorunloading”doesnotincludethemovementofpropertybymeansof

amechanicaldevice,otherthan

ahandtruck,thatisnotattachedtotheaircraftorwatercraft.



H. “Mobileequipment”meansanyofthefollowingtypesoflandvehicles,includinganyattachedmachineryor

equipment:



1. Bulldozer,farmmachinery,forkliftsandothervehiclesdesignedforuseprincipallyoffpublicroads;



2. Vehiclesmaintainedforusesolelyonornexttopremisesyouownorrent;



3. Vehiclesthattraveloncrawlertreads;



4. Vehicles,whetherself‐propelledornot,maintainedprimarilytoprovidemobilitytopermanentlymounted:



a. Powercranes,shovels,loaders,diggersordrills;or



b. Road

constructionorresurfacingequipmentsuchasgraders,scrapersorrollers;



5. Vehiclesnotdescribedin1.,2.,3.or4.abovethatarenotself‐propelledandaremaintainedprimarilytoprovide

mobilitytopermanentlyattachedequipmentofthefollowingtypes:



a. Aircompressors,pumpsandgenerators,includingspraying,welding,building

cleaning,geophysical

exploration,lightingandservicingequipment;or

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ENDV2020



b. Cherrypickersandsimilardevicesusedtoraiseorlowerworkers;



6. Vehiclesnotdescribedin1.,2.,3.or4.abovemaintainedprimarilyforpurposesotherthanthetransportationof

personsorcargo.



 However,self‐propelledvehicleswiththefollowingtypesofpermanentlyattached

equipmentarenot“mobile

equipment”butwillbeconsidered“autos”:



a. Equipmentdesignedprimarilyfor:



 (1) Snowremoval;



 (2) Roadmaintenance,butnotconstructionorresurfacing;or



 (3)Streetcleaning



b. Cherrypickersandsimilardevicesmountedonautomobileortruckchassisandusedtoraise

orlower

workers;and



c. Aircompressors,pumpsandgenerators,includingspraying,welding,buildingcleaning,geophysical

exploration,lightingandwellservicingequipment.



I. “Namedorganization”meansanyorganizationwhohasappliedtoandbeenacceptedbyVolunteersInsurance

ServiceAssociationasaqualifiedmember,andisshownonthecertificate.



J. “Occurrence”meansanaccident,includingcontinuousorrepeatedexposuretosubstantiallythesamegeneral

harmfulconditions.



K. “Personalinjury” meansinjury,includingconsequential“bodilyinjury”,arisingoutofoneormoreofthefollowing

offenses:



1. Falsearrest,detentionorimprisonment;



2. Maliciousprosecution;



3. Thewrongful

evictionfrom,wrongfulentryinto,orinvasionoftherightofprivateoccupancyofaroom,

dwellingorpremisesthatapersonoccupiesbyoronbehalfofitsowner,landlordorlessor;



4. Oralorwrittenpublicationofmaterialthatslandersorlibelsapersonororganizationordisparages

aperson’s

ororganization’sgoods,productsorservices;or



5. Oralorwrittenpublicationofmaterialthatviolatesaperson’srightofprivacy.



L. “Professionalservices”meanstherenderingorfailuretorenderanyprofessionalservicebyany“insured”inthe

capacityof,includingbutnotlimitedtoan:

accountant,architect,insuranceagent,lawyer,orrealestateagent,ora

similarprofession,providedthatthe“insured”isalicensedprofessionalinthatprofession;however,activities

relatedtocounselingor“hotline”typeservicesshallnotbedeemedtobe“professionalservices”unlessthe

“insured”islicensedbyagovernmententityto

providesuchserviceorservices.



M. “Professionalhealthcare”means:



1. Therenderingorfailuretorender:



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ENDV2020

a. Medical,surgical,dental,x‐rayornursingservice,treatment,adviceorinstruction,ortherelated

furnishingoffoodorbeverages;



b. Anyhealthortherapeuticservice,treatment,adviceorinstruction;or



c. Anyservice,treatment,adviceorinstructionforthepurposeofappearanceor

skinenhancement,hair

removalorreplacement,orpersonalgrooming.



2. Thefurnishingordispensingofdrugsormedical,dentalorsurgicalsuppliesorappliances;or



3. Thehandlingortreatmentofdeadbodies,includingautopsies,organdonationorotherprocedures



byan“insured”whoisalicensedhealthcare

professional.



N. “Propertydamage”meansphysicalinjurytotangibleproperty,includingallresultinglossofuseofthatproperty.All

suchlossofuseshallbedeemedtooccuratthetimeofthephysicalinjurythatcausedit.



O. “Registeredvolunteer”or“registeredvolunteers”meansanypersonwhohas

beenacceptedbyaMemberof

VolunteersInsuranceServiceAssociationtoperformvolunteerservices,andwhosenamehasbeenrecordedonthe

“namedorganization’s”rosterofvolunteers.



 Thenameoftheindividual“registeredvolunteer”mustberecordedonthe“namedorganization’s”rosteratthe

timeofan“occurrence”whichgives

risetoa“suit”orclaimunderthispolicy.



P. “Retainedlimit”means:



1ForpurposesoftheVolunteerExcessLiabilitycoverage,anamountequaltotheapplicablelimitsofinsurance

ofanyotherinsurancecollectiblebythe“insured”,includingbutnotlimitedtoinsurancecollectiblebythe

“insured”

asan“insured”underanyofthe“namedorganization’s”insurance,includinganyofitsgeneral

liabilityinsuranceandautomobileliabilityinsurance.



2. ForpurposesoftheVolunteerExcessAutoLiabilitycoverage,thegreaterof:



 a. Anamountequaltotheapplicablelimitsofinsuranceofanyotherinsurancecollectible

bythe“insured”,

includingbutnotlimitedtoinsurancecollectiblebythe“insured”asan“insured”underanyofthe“named

organization’s”insurance,includinganyofitsgeneralliabilityinsuranceandautomobileliabilityinsurance;or



 b. Anamountequaltotheminimumlimitofinsurancerequiredunderthemotorvehicle

financial

responsibilitylawofthestateorprovinceinwhichthe“accident”occursor$50,000whicheverisless.



 “Retainedlimit”includes:



 a. Expensesincurredbythe“insured”inthedefenseofany“suit”,



 b. Interestthataccruesafterentryofjudgment;



 c. Costofbailbonds;



 d. Costofbondstoreleaseinformation;



e. Reasonableexpensesincurredbythe“insured”attherequestoftheotherinsurerintheinvestigationor

defenseoftheclaimor“suit”,includingactuallossofearningsupto$250perday;



f. Coststaxedagainstthe“insured”inthe

“suit”;and



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ENDV2020

g. Reasonableexpensesincurredbythe“insured”,inconnectionwith“bodilyinjury”towhichthisinsurance

applies,forsuchimmediatemedicalandsurgicalrelieftoothersasshallbenecessaryatthetimeofan

accident.



Q. “Suit”meansacivilproceedinginwhichdamages

becauseof“bodilyinjury”,“propertydamage”or“personalinjury”

towhichthisinsuranceappliesisalleged.“Suit”includes:



1. Anarbitrationproceedinginwhichsuchdamagesareclaimedandtowhichthe“insured”mustsubmitordoes

submitwithourconsent;or



2. Anyotheralternativedisputeresolutionproceedingin

whichsuchdamagesareclaimedandtowhichthe

“insured”submitswithourconsent.



R. “Workreleaseprogram”meansanyprogramdesignedorintendedtoplacepersonswhoseresidenceisapenal

institutioninvarioustypesofpublicorcommunityassignments.



THISENDORSEMENTCHANGESTHEPOLICY,PLEASEREADITCAREFULLY.



SexualAbuseAndSexualMolestationEndorsement



Thisendorsementmodifiesinsuranceprovidedunderthefollowing:



VOLUNTEERSINSURANCESERVICECOMBINEDEXCESSLIABILITYPOLICY



Wewillinvestigateanddefendany“insured”againstallegationsofphysicalabuseorsexualmolestation;providedthat,our

dutytoinvestigateanddefendshallendatsuchtimeas:



1. The“insured”

pleadsorisadjudgedguiltyinacriminaltrialorproceedingofconductwhichisthesubjectofsuch

allegations;



2. The“insured”acceptsliabilityorisadjudgedliableinaciviltrialorproceedingfordamagesarisingoutofconduct

whichisthesubjectofsuchallegations;or



 The“insured”admitsinanycontexttohavingengagedinconductwhichisthesubjectofsuchallegations.



Exclusions:



Thedefenseobligationprovidedbythisendorsementshallnotapplyto:



a. Allegationsofcriminalconductcommittedbythe“insured”,includinganyassociatedcriminalinvestigation,

indictment,trialorother

criminalprocess.



b. Anyactual,allegedorthreatenedphysicalabuseorsexualmolestation,oranycombinationofthese,ofanypersonif

thefirstincidentofsuchabuseormolestationtothatpersonbythesame,orallegedlythesame,“insured”or

“insureds”occurredpriortotheeffectivedateof

thisendorsement.



Page1of1

LS8073(ENDV2020)

THISENDORSEMENTCHANGESTHEPOLICY.PLEASEREADITCAREFULLY.



Exclusion–VolunteersofSportsClubs,RescueSquadMembers,

VolunteerPoliceandVolunteerFirefighters



Itisherebyagreedthatnocoverageisprovidedtovolunteersofsportsclubs,rescuesquadmembers,volunteerpolice,or

volunteerfirefighters,exceptasprovidedbelow.



AppropriateVolunteerAssignments:



Safety:Supportingfiredepartments,policedepartmentsandotherlocalsafetyagenciesbyengagingincommunity

outreachthroughdisseminationofinformation,including

coordinatingpublicsafetymeetings,andprovidingtrainingand

assistancewithsmokedetectors,in‐homelighting,egressincaseoffire,accidentpreventionathome,automobilesafety,

childandadultautosafetydevices,orsimilaractivities.



PublicSafetyHotline:Supportingpolicedepartments,firedepartmentsandotherlocalsafetyagenciesbyanswering



telephonesandprovidingaccurateinformationtocallers,orsimilaractivities.



DisasterPreparedness:Supportingcommunitybasedreliefagenciesbyhelpingcoordinatecommunityinventoriesofvital

medical,bloodandfoodsupplies,servingasoutreachandcommunityeducationlinksforreliefagencies,orsimilar

activities.



PublicHealth:Supportingpublichealthagenciesby

engaginginoutreachandcommunityeducationtotargetedareas,

supportingimmunizationforchildrenandothertargetedgroups,orsimilaractivities.



CrimeAwareness/Avoidance:Teachingsafetyatshoppingmalls,touristsafety,andsafetyprecautionswhenoutinpublic;

providingscamalerts;identifyinghighcrimeareas;orsimilaractivities.



NeighborhoodWatch/BlockWatch:Organizing

andprovidingtrainingforestablishingneighborhoodorblockwatch

programs,coordinatingandparticipatinginNeighborhoodWatchpatrolsandwatchactivities,orsimilaractivities.



CommunityPolicing/Patrol:Checkinghomesofpeopleonvacationorawayfortheseason,workingwithlocalpoliceand

communityorganizationstohelpensureasaferneighborhood,or

similaractivities.



HouseholdSecurity(withaspecialfocusonhomeboundelderly):Conductinghouseholdsecurityassessment,distributing

self‐administeredsecuritychecklists,installingsafetywindowordoorlocksandoutdoorlighting,conductingworkshopson

householdsafety,orsimilaractivities.



SafetyforChildren:Establishingandsupportingsafeschools,safehavens,safeplay

streetsandsafecorridorsforchildren,

andprovidingtrainingforyouthandadultsabouttheseareas;servingonschoolsafetypatrol,servinginyouthrecreational

andeducationalactivities,fingerprintingandphotoidentificationcardsforchildrentoprovidearecordofidentity,or

similaractivities.



ChildAbuse&Neglect:Trainingin

awareness,prevention,reportingandself‐defensetochildrenregardingsexualabuse;

providingassistanceandcounseltochildrenwhoareabusedorneglected;orsimilaractivities.



ElderAbuse&Neglect:Traininginidentifying,reporting,andpreventingelderabuse;providingassistance,counseland

supporttoadults,particularlythefrailelderly,whoare

abusedorneglected;orsimilaractivities.



FamilyViolence/VictimAssistance:Providingaid,assistanceandcounselforvictimsoffamilyviolence;assistingwith

shelters;traininginpreventionandself‐defense;orsimilaractivities.



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VIS216(ENDV2020)

ConflictResolution/RehabilitationServices:Promotingtoleranceandrespectamongdiversepeople,providingtrainingin

conflictresolution,mediationandviolenceprevention,peermediationprograms,ex‐offendercounselingandreferral

services,orsimilaractivities.



RecordsandDataEntry:Recordingandperformingdataentryofcrimestatistics,transportingpoliceandcourtrecords;or

similar

activities.



ExamplesofInappropriateVolunteerAssignments:



Issuingcitationsforanyviolation,

Streettrafficcontrol,

Participatingin“ridealong”withpoliceofficersonduty,

Ridingon“emergencyequipment”whenoncall,and

Performingemergencydutiesassignedforfireorpoliceemployees.

Paramedics,

EmergencyMedicalTechnicians,EMT,

EmergencyMedicalServiceEmployees,

EMS.

FireFighter

Policeman

Coachorparticipantinasportsclub



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VIS216(ENDV2020)





THISENDORSEMENTCHANGESTHEPOLICY.PLEASEREADITCAREFULLY.



WarandTerrorismExclusionEndorsement



ThisendorsementmodifiestheVOLUNTEERSINSURANCESERVICECOMBINEDEXCESSLIABILITYPOLICYasfollows:



Notwithstandinganyprovisiontothecontrarywithinthisinsuranceoranyendorsementtheretoitisagreedthatthis

insuranceexcludesloss,damage,costorexpenseofwhatsoevernaturedirectlyorindirectlycausedby,resultingfromorin



connectionwithanyofthefollowingregardlessofanyothercauseoreventcontributingconcurrentlyorinanyother

sequencetotheloss;



(1) war,invasion,actsofforeignenemies,hostilitiesorwarlikeoperations(whetherwarbedeclaredornot),civilwar,

rebellion,revolution,insurrection,civilcommotionassumingtheproportions

oforamountingtoanuprising,

militaryorusurpedpower;or



(2) anyactofterrorism.

Forthepurposeofthisendorsementanactofterrorismmeansanact,includingbutnotlimitedtotheuseofforce

orviolenceand/orthethreatthereof,ofanypersonorgroup(s)of

persons,whetheractingaloneoronbehalfofor

inconnectionwithanyorganisation(s)orgovernment(s),committedforpolitical,religious,ideologicalorsimilar

purposesincludingtheintentiontoinfluenceanygovernmentand/ortoputthepublic,oranysectionofthe

public,infear.



Thisendorsementalsoexcludesloss,damage,

costorexpenseofwhatsoevernaturedirectlyorindirectlycausedby,

resultingfromorinconnectionwithanyactiontakenincontrolling,preventing,suppressingorinanywayrelatingto(1)

and/or(2)above.



IftheUnderwritersallegethatbyreasonofthisexclusion,anyloss,damage,costorexpense

isnotcoveredbythis

insurancetheburdenofprovingthecontraryshallbeupontheAssured.



Intheeventanyportionofthisendorsementisfoundtobeinvalidorunenforceable,theremaindershallremaininfull

forceandeffect.



Page

1of1

NMA2918(ENDV2020)

08/10/2001





THISENDORSEMENTCHANGESTHEPOLICY.PLEASEREADITCAREFULLY.



NuclearIncidentExclusionClause–Liability–Direct(Broad)(U.S.A.)



ThisendorsementmodifiestheVOLUNTEERSINSURANCESERVICECOMBINEDEXCESSLIABILITYPOLICYasfollows:



ThisCombinedExcessLiabilityPolicydoesnotapply:



 I. UnderanyLiabilityCoverage,toinjury,sickness,disease,deathordestruction:



a. withrespecttowhichan“insured”underthePolicyisalsoaninsuredunder

anuclearenergyliabilitypolicy

issuedbyNuclearEnergyLiabilityInsuranceAssociation,MutualAtomicEnergyLiabilityUnderwritersor

NuclearInsuranceAssociationofCanada,orwouldbeaninsuredunderanysuchpolicybutforits

terminationuponexhaustionofitslimitofliability;or



b. resultingfromthehazardousproperties

ofnuclearmaterialandwithrespecttowhich(1)anypersonor

organizationisrequiredtomaintainfinancialprotectionpursuanttotheAtomicEnergyActof1954,orany

lawamendatorythereof,or(2)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organization.



 II. UnderanyMedicalPaymentsCoverage,orunderanySupplementaryPaymentsProvisionrelatingtoimmediate

medicalorsurgicalrelief,toexpenses

incurredwithrespecttobodilyinjury,sickness,diseaseordeathresulting

fromthehazardouspropertiesofnuclearmaterialandarisingoutoftheoperationofanuclearfacilitybyany

personororganization.



 III. UnderanyLiabilityCoverage,toinjury,sickness,disease,deathordestructionresultingfromthehazardous

properties

ofnuclearmaterial,if:



a. thenuclearmaterial(1)isatanynuclearfacilityownedby,oroperatedbyoronbehalfof,an“insured”or(2)

hasbeendischargedordispersedtherefrom;



b. thenuclearmaterialiscontainedinspentfuelorwasteatanytimepossessed,handled,

used,processed,

stored,transportedordisposedofbyoronbehalfofan“insured”;or



c. theinjury,sickness,disease,deathordestructionarisesoutofthefurnishingbyan“insured”ofservices,

materials,partsorequipmentinconnectionwiththeplanning,construction,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(c)appliesonlytoinjurytoordestructionofpropertyatsuchnuclear

facility.



 IV. Asusedinthisendorsement:



 “hazardousproperties”includeradioactive,toxicorexplosiveproperties;

“nuclearmaterial”meanssource

material,specialnuclearmaterialorby‐productmaterial;“sourcematerial”,“specialnuclearmaterial”,and“by‐

productmaterial”havethemeaningsgiventhemintheAtomicEnergyAct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;“waste”meansanywastematerial(1)containingby‐productmaterialand(2)

resultingfromtheoperationbyanypersonororganizationofanynuclearfacilityincludedwithinthedefinitionof

nuclearfacilityunderparagraph(a)or(b)thereof;“nuclear

facility”means:

Page1of2

NMA1256(ENDV2020)



a. anynuclearreactor,



b. anyequipmentordevicedesignedorusedfor(1)separatingtheisotopesofuraniumorplutonium,(2)

processingorutilizingspentfuel,or(3)handling,processingorpackagingwaste,



c. anyequipmentordeviceusedfortheprocessing,fabricatingoralloyingofspecialnuclear

materialifatany

timethetotalamountofsuchmaterialinthecustodyofthe“insured”atthepremiseswheresuch

equipmentordeviceislocatedconsistsoforcontainsmorethan25gramsofplutoniumoruranium233or

anycombinationthereof,ormorethan250gramsofuranium

235,



d. anystructure,basin,excavation,premisesorplacepreparedorusedforthestorageordisposalofwaste,



 andincludesthesiteonwhichanyoftheforegoingislocated,alloperationsconductedonsuchsiteandall

premisesusedforsuchoperations;“nuclearreactor”meansanyapparatus

designedorusedtosustainnuclear

fissioninaself‐supportingchainreactionortocontainacriticalmassoffissionablematerial.Withrespectto

injurytoordestructionofproperty,theword“injury”or“destruction”includesallformsofradioactive

contaminationofproperty.



Itisunderstoodandagreedthat,

exceptasspecificallyprovidedintheforegoingtothecontrary,thisclauseissubjecttothe

terms,exclusions,conditionsandlimitationsofthePolicytowhichitisattached.



Page2of2

NMA1256(ENDV2020)





THISENDORSEMENTCHANGESTHEPOLICY,PLEASEREADITCAREFULLY.



RailroadMotorCarandHighTrackWheelVehicleExclusion



Thisendorsementmodifiesinsuranceprovidedunderthefollowing:



VOLUNTEERSINSURANCESERVICECOMBINEDEXCESSLIABILITYPOLICY



EndorsementEffectiveDate:July1,2012



Inconsiderationofthepremiumcharged,itisunderstood

andagreedthatSection1–Coverage,B.CommonPolicy

Exclusions,isamendedasfollows:



Thefollowingexclusionappliestobothexcessvolunteerliabilityandexcessautoliability.



16. RailroadOperationandMaintenance



a. “BodilyInjury,”“PropertyDamage”or“PersonalInjury”arisingoutoftheownership,maintenance,useof

or

entrustmenttoothersofanylocomotives;passengercars;motorcars;trackcars;Skaggitcars;trucks,pick‐up

trucksorutilitytruckfittedwithhighrailtrackwheels;ownedoroperatedbyorrentedorloanedtoany

“insured”foruseonormaintenanceofrailroadtracks.Useincludesoperation

andmaintenanceofsuchcars.



b. “BodilyInjury,”“PropertyDamage”or“PersonalInjury”arisingoutoftherepairormaintenanceofrailroad

tracksorequipment.



Allothertermsandconditionsofthepolicyremainunchanged.



Page1of1



VIS217(ENDV2020)



RECREATIONALVEHICLESEXCLUSIONENDORSEMENT



EndorsementEffectiveDate:July1,2015



Thisendorsementmodifiesinsuranceprovidedunderthefollowing:



VOLUNTEERSINSURANCESERVICECOMBINEDEXCESSLIABILITYPOLICY



Inconsiderationofthepremiumcharged,itisunderstoodandagreedthatSection1–Coverage,B.CommonPolicy

Exclusions,isamendedby

addingthefollowing:



 16. GolfCarts,LawnTractors,All‐TerrainandOtherRecreationalVehiclesExclusion



a. "Bodilyinjury,""propertydamage"or"personalinjury"arisingoutoftheownership,maintenance,useofor

entrustmenttoothersofgolfcarts,lawntractors,andallotherall‐terrainorrecreationalvehiclesownedor



operatedbyorrentedorloanedtoany“insured”foruse.Useincludesoperationandmaintenanceofany

suchvehicles.



b. "Bodilyinjury,""propertydamage"or"personalinjury"arisingoutoftherepairormaintenanceofgolf

carts,lawntractorsandallotherall‐terrainorrecreationalvehicles.



This

exclusionappliestoboththeexcessvolunteerliabilityandtheexcessautoliability.



Allothertermsandconditionsofthepolicyremainunchanged.



Page1of1

VIS218(ENDV2020)





LIMITSOFINSURANCEFOREXCESSAUTOLIABILITYCOVERAGE



EndorsementEffectiveDate:July1,2015



Thisendorsementmodifiesinsuranceprovidedunderthefollowing:



VOLUNTEERSINSURANCESERVICECOMBINEDEXCESSLIABILITYPOLICY



Inconsiderationofthepremiumcharged,itisunderstoodandagreedthatSectionIII‐LimitsofInsurance,A.is

deletedand

replacedwiththefollowing:



A. ThemostthatwewillpayundertheVolunteerExcessAutoLiabilitycoverageissubjecttothefollowing:



1. TheEachAccidentlimitofliabilityisthemostthatwewillpayundertheVolunteerExcessAutoLiabilitycoverage

forthe“insured's”liability

toothersfor"bodilyinjury,""propertydamage"and"personalinjury"foranaccident,

regardlessofthenumberofautosinvolvedintheaccident,thenumberof“insureds”involvedintheaccident,

thenumberofclaimsmadeor"suits"broughtfortheaccident,thenumberofpersonsororganizationsmaking

claimsor

bringing"suits"fortheaccident.



 TheEachAccidentlimitofliabilityshallbethelesserofthefollowingamounts:



a. $500,000;



b. Ifthe“insured”hadprimaryautomobileliabilityinsuranceineffectatthetimeoftheaccidentandthat

primaryinsuranceprovidesalimitofliabilityfor

eachaccident,threetimestheamountofthatlimitof

liability;



c. Ifthe“insured”didnothaveprimaryautomobileliabilityinsuranceineffectatthetimeoftheaccidentbut

theapplicablestatefinancialresponsibilitylawatthetimeoftheaccidentprovidesalimitofliabilityfor

each

accident,threetimestheamountofthatlimitofliability.



2. TheEachPersonlimitofliabilityisthemostthatwewillpayundertheVolunteerExcessAutoLiabilitycoverage

forthe“insured's”liabilitytoanotherpersonfor"bodilyinjury"foranaccident.



 TheEachPersonBodilyInjury

limitofliabilityshallbethelesserofthefollowingamounts:



a. $500,000;



b. Ifthe“insured”hadprimaryautomobileliabilityinsuranceineffectatthetimeoftheaccidentandthat

primaryinsuranceprovidesalimitofliabilityfor"bodilyinjury"foreachpersonforeachaccident,three

times

theamountofthatlimitofliability,butiftheprimaryinsuranceprovidesforadifferentlimitof

liabilityforonlycertaintypesof"bodilyinjury,"suchasdeathorspinalcordinjury,thenthreetimesthe

amountofthatlimitofliabilitybutonlyforthe“insured's”liabilityfor

thatspecifictypeof"bodilyinjury";



c. Ifthe“insured”didnothaveprimaryautomobileliabilityinsuranceineffectatthetimeoftheaccidentbut

theapplicablestatefinancialresponsibilitylawatthetimeoftheaccidentprovidesalimitofliabilityfor

"bodilyinjury"foreachpersonfor

eachaccident,threetimestheamountofthatlimitofliability,butifthe

statefinancialresponsibilitylawprovidesforadifferentlimitofliabilityforonlycertaintypesof"bodily

injury,"suchasdeathorspinalcordinjury,thenthreetimestheamountofthatlimitofliabilitybutonly

for

the“insured's”liabilityforthatspecifictypeof"bodilyinjury";



d. TheEachAccidentlimitofliabilitysetforthinsubparagraph1above.



Page1of2

VIS219(ENDV2020)



3. TheBodilyInjurylimitofliabilityisthemostthatwewillpayundertheVolunteerExcessAutoLiabilitycoverage

forthe“insured's”liabilitytoothersfor"bodilyinjury"foranaccident.



 TheBodilyInjurylimitofliabilityshallbethelesserofthefollowingamounts:



a. $500,000;



b. Ifthe“insured”hadprimaryautomobileliabilityinsuranceineffectatthetimeoftheaccidentandthat

primaryinsuranceprovidesalimitofliabilityfor"bodilyinjury"foreachaccident,threetimestheamountof

thatlimitofliability,butiftheprimaryinsuranceprovidesforadifferent

limitofliabilityforonlycertain

typesof"bodilyinjury,"suchasdeathorspinalcordinjury,thenthreetimestheamountofthatlimitof

liabilitybutonlyforthe“insured's”liabilitytoothersforthatspecifictypeof"bodilyinjury";



c. Ifthe“insured”didnothaveprimary

automobileliabilityinsuranceineffectatthetimeoftheaccidentbut

theapplicablestatefinancialresponsibilitylawprovidesalimitofliabilityfor"bodilyinjury"foreach

accident,threetimestheamountofthatlimitofliability,butifthestatefinancialresponsibilitylawprovides

foradifferentlimit

ofliabilityforonlycertaintypesof"bodilyinjury,"suchasdeathorspinalcordinjury,

thenthreetimestheamountofthatlimitofliabilitybutonlyforthe“insured's”liabilitytoothersforthat

specifictypeof"bodilyinjury";



d. TheEachAccidentlimitofliabilitysetforth

insubparagraph1above.



4. ThepropertydamagelimitofliabilityisthemostthatwewillpayundertheVolunteerExcessAutoLiability

coverageforthe“insured's”liabilitytoothersfor"propertydamage"foranaccident.



 ThePropertyDamagelimitofliabilityshallbethelesserofthe

followingamounts:



a. $500,000;



b. Ifthe“insured”hadprimaryautomobileliabilityinsuranceineffectatthetimeoftheaccidentandthat

primaryinsuranceprovidesalimitofliabilityfor"propertydamage"foreachaccident,threetimesthe

amountofthatlimitofliability;



c. Ifthe“insured”

didnothaveprimaryautomobileliabilityinsuranceineffectatthetimeoftheaccidentbut

theapplicablestatefinancialresponsibilitylawatthetimeoftheaccidentprovidesalimitofliabilityfor

"propertydamage"foreachaccident,threetimestheamountofthatlimitofliability;



d. The

EachAccidentlimitofliabilitysetforthinsubparagraph1above.



Page2of2

VIS219(ENDV2020)





THISENDORSEMENTCHANGESTHEPOLICY.PLEASEREADITCAREFULLY.



ServiceofSuitClause(U.S.A.)



ThisendorsementmodifiestheVOLUNTEERSINSURANCESERVICECOMBINEDEXCESSLIABILITYPOLICYasfollows:



ThisServiceofSuitClausewillnotbereadtoconflictwithoroverridetheobligationsofthepartiestoarbitratetheir

disputesasprovidedforinanyArbitrationprovisionwithinthisPolicy.ThisClauseisintended

asanaidtocompelling

arbitrationorenforcingsucharbitrationorarbitralaward,notasanalternativetosuchArbitrationprovisionforresolving

disputesarisingoutofthiscontractofinsurance(orreinsurance).



ItisagreedthatintheeventofthefailureoftheUnderwritershereontopayany

amountclaimedtobeduehereunder,the

Underwritershereon,attherequestoftheInsured(orReinsured),willsubmittothejurisdictionofaCourtofcompetent

jurisdictionwithintheUnitedStates.NothinginthisClauseconstitutesorshouldbeunderstoodtoconstituteawaiverof

Underwriters'rightstocommence

anactioninanyCourtofcompetentjurisdictionintheUnitedStates,toremovean

actiontoaUnitedStatesDistrictCourt,ortoseekatransferofacasetoanotherCourtaspermittedbythelawsofthe

UnitedStatesorofanyStateintheUnitedStates.



ItisfurtheragreedthatserviceofprocessinsuchsuitmaybemadeuponMendes&Mount,750SeventhAvenue,New

York,NewYork10019‐6829USAandthatinanysuitinstitutedagainstanyoneofthemuponthiscontract,Underwriters

willabidebythefinaldecisionofsuch

CourtorofanyAppellateCourtintheeventofanappeal.



Theabove‐namedareauthorizedanddirectedtoacceptserviceofprocessonbehalfofUnderwritersinanysuchsuit

and/orupontherequestoftheInsured(orReinsured)togiveawrittenundertakingtotheInsured(or

Reinsured)thatthey

willenterageneralappearanceuponUnderwriters'behalfintheeventsuchasuitshallbeinstituted.



Further,pursuanttoanystatuteofanystate,territoryordistrictoftheUnitedStateswhichmakesprovisiontherefor,

UnderwritershereonherebydesignatetheSuperintendent,CommissionerorDirectorofInsurance

orotherofficerspecified

forthatpurposeinthestatute,orhissuccessororsuccessorsinoffice,astheirtrueandlawfulattorneyuponwhommaybe

servedanylawfulprocessinanyaction,suitorproceedinginstitutedbyoronbehalfoftheInsured(orReinsured)orany

beneficiary

hereunderarisingoutofthiscontractofinsurance(orreinsurance),andherebydesignatetheabove‐namedas

thepersontowhomthesaidofficerisauthorizedtomailsuchprocessoratruecopythereof.



Page1of1

14/09/2005

LMA5020(ENDV2020)

Formapproved

byLloyd’sMarketAssociation





THISENDORSEMENTCHANGESTHEPOLICY.PLEASEREADITCAREFULLY.



ApplicableLaw(U.S.A.)



ThisendorsementmodifiestheVOLUNTEERSINSURANCESERVICECOMBINEDEXCESSLIABILITYPOLICYasfollows:



ThisInsuranceshallbesubjecttotheapplicablestatelawtobedeterminedbythecourtofcompetentjurisdictionas

determinedbytheprovisionsoftheServiceofSuitClause(U.S.A.)



Page1of1

14/09/2005

LMA5021(ENDV2020)

FormapprovedbyLloyd’sMarketAssociation



THISENDORSEMENTCHANGESTHEPOLICY.PLEASEREADITCAREFULLY.



Land,WaterandAirExclusion



ThisendorsementmodifiestheVOLUNTEERSINSURANCESERVICECOMBINEDEXCESSLIABILITYPOLICYasfollows:



NotwithstandinganyprovisiontothecontrarywithinthePolicyofwhichthisEndorsementformspart(orwithinanyother

EndorsementwhichformspartofthisPolicy),thisPolicydoesnotinsureland(includingbutnotlimited

tolandonwhichthe

insuredpropertyislocated),waterorair,howsoeverandwhereveroccurring,oranyinterestorrighttherein.



Page1of1

24/11/88

NMA2341(ENDV2020)



THISENDORSEMENTCHANGESTHEPOLICY.PLEASEREADITCAREFULLY.



Seepageand/orPollutionand/orContaminationExclusionU.S.A.&Canada



ThisendorsementmodifiestheVOLUNTEERSINSURANCESERVICECOMBINEDEXCESSLIABILITYPOLICYasfollows:



NotwithstandinganyprovisiontothecontrarywithinthePolicyofwhichthisEndorsementformspart(orwithinanyother

EndorsementwhichformspartofthisPolicy),thisPolicydoesnotinsure:



(a) anyloss,damage,cost

orexpense,or



(b) anyincreaseininsuredloss,damage,costorexpense,or



(c) anyloss,damage,cost,expense,fineorpenalty,whichisincurred,sustainedorimposedbyorder,direction,instruction

orrequestof,orbyanyagreementwith,anycourt,governmentagencyoranypublic,civilor

militaryauthority;or

threatthereof,(andwhetherornotasaresultofpublicorprivatelitigation),



whicharisesfromanykindofseepageoranykindofpollutionand/orcontamination,orthreatthereof,whetherornot

causedbyorresultingfromaPerilinsured,orfromstepsormeasures

takeninconnectionwiththeavoidance,prevention,

abatement,mitigation,remediation,clean‐uporremovalofsuchseepageorpollutionand/orcontaminationorthreat

thereof.



Theterm'anykindofseepageoranykindofpollutionand/orcontamination'asusedinthisEndorsementincludes(butis

notlimitedto):



(a) seepage

of,orpollutionand/orcontaminationby,anything,includingbutnotlimitedto,anymaterialdesignatedasa

'hazardoussubstance'bytheUnitedStatesEnvironmentalProtectionAgencyorasa'hazardousmaterial'bytheUnited

StatesDepartmentofTransportation,ordefinedasa'toxicsubstance'bytheCanadianEnvironmentalProtectionAct

forthepurposesofPartIIofthatAct,oranysubstancedesignatedordefinedastoxic,dangerous,hazardousor

deleterioustopersonsortheenvironmentunderanyotherFederal,State,Provincial,Municipalorotherlaw,ordinance

orregulation;and



(b) thepresence,existence,orreleaseofanythingwhichendangers

orthreatenstoendangerthehealth,safetyorwelfare

ofpersonsortheenvironment.



Page1of1

24/11/88

NMA2342(ENDV2020)



THISENDORSEMENTCHANGESTHEPOLICY.PLEASEREADITCAREFULLY.



CommunicableDisease



ThefollowingexclusionisaddedtoSECTIONI–B.CommonPolicyExclusions.Notwithstandinganyprovisiontothe

contrarywithinthePolicytowhichthisEndorsementhasbeenaddedandformsapart(orwithinanyotherEndorsement

thatformspartofthisPolicy)thisPolicydoesnotinsure;



CommunicableDisease



“BodilyInjury”,“PropertyDamage”or“PersonalInjury”arisingoutof,resultingfromorinanywayinvolvingorrelatingtothe

actualorallegedtransmissionofanycommunicabledisease,includingbutnotlimitedtoCOVID‐19,orresultingfromorin

anywayinvolvingor

relatingtotheactual,threatened,orallegedpresenceorintroductionofanyvirus(includingbutnot

limitedtothenovelcoronavirus,orSARS‐CoV‐2,thatcausesCOVID‐19),bacteriumorothermicroorganismthatinducesoris

capableofinducingphysicaldistress,illnessordisease,includingnotlimitedtoCOVID‐19.



Thisexclusionappliesevenifthe“Claim”againstthe“Insured”allegesnegligenceorotherwrongdoinginthe:



Supervising,hiring,employing,trainingormonitoringofothersthatmaybeinfectedwithandspreada

communicabledisease;



Testingorfailingtotestforacommunicabledisease;



Failuretopreventthespreadofthedisease;or



Failuretoreportthediseasetoauthorities.



Thisexclusionapplieswhetherthe“BodilyInjury”,“PropertyDamage”or“PersonalInjury”iscausedby,arisesfrom,

resultsfromorisattributabletoanyothercauseactinginconjunctionwithorasaresultoftheactualoralleged

transmission

ofanycommunicabledisease,includingbutnotlimitedtoCOVID‐19,orresultingfromorinanywayinvolving

orrelatingtotheactual,threatened,orallegedpresenceorintroductionofanyvirus(includingbutnotlimitedtothenovel

coronavirus,orSARS‐CoV‐2,thatcausesCOVID‐19),bacteriumor

othermicroorganismthatinducesoriscapableof

inducingphysicaldistress,illnessordisease,includingbutnotlimitedtoCOVID‐19.



ALLOTHERTERMSANDCONDITIONSOFTHISPOLICYREMAINUNCHANGED.



Page1of1

19/05/2020

VIS220(ENDV2020)





COMPLAINTSNOTICE



Torequestassistanceormakeaninitialcomplaint,youshouldcontactXS/Group,Inc.at:



XS/Group,Inc.Phone:1‐703‐739‐2470

2750KillarneyDrive,#202Fax:1‐703‐739‐0761

Woodbridge,VA22192‐4124Email:inbox@xsgroup.net

USA



Inthealternative,orifyouaredissatisfiedwith

theresolutionofyourcomplaintbytheaboveparty,youmaywishto

contacttheLloyd’sComplaintsDepartmentat:



Lloyd’sComplaintsDepartment

c/oLloyd’sAmerica,Inc.Phone:1‐844‐849‐7828

25West53

Street,14

FloorFax:1‐800‐481‐3121

NewYork,NY10019Email:complaints@lloyds.com

USA



Page1of1

LMA9136(amended)

08December2016

(ENDV2020)