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COMM RCI L G NERAL IAB LI YE A E L I T a.We ha e use up the a pl ca l l mt o wo k rs" whie pe fo mng duv d p i be i i f r e l r r i ti se in th pa m nt o j d m n s, rea e to the co d ct oe y e f u g e t l t d n u f y uro se te e t o m dca x e se ; r bu i e s;t l m n s r e i l e p n s o s n s (b)To th spo se chi d pa e t, bro he oe u , l , r n t r rb.The co dt o s se fo t a o e o the te m on i i n t r h b v , r r s f si te o tha co "e pl y e os r f t - m o e " rth a r e e i a a ra he g e m n n P r g p f.a o eb v , "v l n e r wo k r" a a co se u nceou t e r e s n q ea e n o ge e .r o l n r m t o a a r pf P r g a h (1) a)(a o eb v ;SE TI N I – WH S AN I SU EDC O I O I N R (c)F r whi h th re i a y o l ga i n too c e s n bi t o1.If y u re d si n t d n tho a e g a e i e sha e da a e wi h o re a so e ner m g s t r p y m oa.An in i i ua, y u a d y u spo se a ed vd l o n o r u r ese who m st pa da a e be a sel u y m g s c ui sure s, but o l wit to then d ny h o the in ur de cri e in Pa a ra hf j y s b d r g po usin ss o o re t e soe o n r.f a b e f y u a h l w e (1) a)(or (b)a o e rb v ; o b.A pa tn rshi o jo n v n ure y u a e ar e p r i t e t , o r n (d)Ari i g o t o hi o he pro i i g os n u f s r r vd n ri sure . Y ur m m e s, y u pa t e s, a dn d o e b r o r r n r n fa l ng to pro i e pro e sio a he l hi i vd f s n l atth i spo se a e aso in ure s, bu o l wi her u s r l s d t n y t ca e se vce .r r i s Unl ss y u a e in th busin ss oe o r e e rc.A li i e l a ii y co pa y y u a e a i sure .mt d i bl t m n , o r n n d o cup ti n o pro i i g pro e sio a he l hc a o f vd n f s n l atY u m m e s a e aso i sure s, bu o l wi ho r e b r r l n d t ny t ca e se vce , Pa a ra hr r i s r g p s (1) a)(,(b),(c)to th o y ur busin ss. Y ue f o e o r a dn (d)a o e do no a pl to "bo i y i j r "b v t p y dl n u ym na e s a e i sure s, but o l wi h ta g r r n d ny t o a i i g o t o pro i i g o fa l n to pro i ers n u f vd n r i i g vdth i u i s a y ur a a e s.er d t e s o m n g r fi st ad o "Go d Sa a i a se vce " byr i r o m r t n r i s d.An o ga i a i n o he th n a pa t e shi , j i tr nz t o t r a r n r p on a y o y ur "e pl y e " o "v l n e rn f o m o e s r ou t e v nt r o l mte l a ii y co p ny y u a e ae u e r i i d i b lt m a , o r n wo k rs", o h r tha a e po e or e t e n n m l y d r v l n e r Any such "e pl y e " oou t e m o e s r a e in ure s, but o l wi h to th ir s d n y t er "v l n e r wo k rs" pro i i g o fa l ng toou t e r e vd n r ii d ti s a y ur o . Y uu e s o r o r pro i e fi st ad o "Go d Sa a i avd r i r o m r t n st ck od r a e aso i sure s, but o l wi ho h l e s r l n d ny t se vce " du i g the r wo k ho rs fo y ur i s r n i r u r o wil be de m d to be wi hi thel e e t n sco e o the r e pl y e t by y u op f i m o m n o re.A tr st, y u a e a in ure . Y u tru te s a eu o r n s d o r s e r pe f r i g dut e rea e to the co d ct or o mn i s l t d n u faso in ure s, but o l wit to th il s d n y h er y ur usin ss.o b ed ti s a t u te s.u e s r s e (2)"Pro e ty d m ge to pr p rt :p r a a " o e y2.f he fo l wi g i aso a i sure :o t l o n s l n n d (a)Own d, r se ye o u d b ;a.Y ur "v l n e r wo k rs" o l whi e pe fo mngo ou t e r e ny l r r i (b)Re t d to in the custo y on e , , d rdu i s re a e to the o y ur busin ss,t e l t d f o e co tr l o , o o e whi h phy ican o f r v r c s lo y u "e pl y e ", o h r th n et e y ur o r m o e s t e a i h r o r co tr l i b i g e e ci e fo a yn o s en x r s d r n pu po e b ;r s yo h r tha a pa t e shi , j i t v n u e o l mt dt e n r n r p on e t r r i i e l a ii y co p ny o y u a a e s (i o re ai bl t m a ) r o r m n g r f y u a y u, a y o y u "e pl y e ", "v l n e ro n f o r m o e s ou t e l mte l a ii y co pa y , but o l foi i d i bl t m n ) ny r wo k rs", a y pa t e o m m e i o rer e n r n r r e b r ( f y u a wi hi the o the r e po m n by y u ot n f i m l y e t o r a pa t e shi o jo n v n u e , o a yr n r p r i t e t r ) r n whie pe f rm n du i s rea e to the co d ctl r o i g t e l t d n u m m e (i y u a e a li i e l a i i ye b r f o r mt d i bl t o y ur busin ss. Ho e e , no e o th sef o e w v r n f e co pa y .m n ) "e pl y e " o "v l n e r wo k rs" a em o e s r ou t e r e r b.An pe so (o he tha y ur "e pl y e oy r n t r n o m o e " ri sur d f r:n e s o "v l n e r wo k r"), o a y o g nz t o , whieou t e r e r n r a i a i n l (1)"Bo iy i j r " o "pe so a nur ":dl nu y r r n l i j y a t n s y u e l e ta e m na e .c i g a o r r a s t a g r (a)To y u, to y u pa t e s o e be s (io o r r n r r m m r f c.An pe so o o g nz t o ha i g pro ey r n r r a i a i n vn p ry u a e a pa t e shi o j i t v n u e ,o r r n r p r on e t r )te po a y custo y o y ur pro e ty if y u di ,m r r d f o p r o eto y u m m e s (if y u a e a li i eo r e b r o r mt d bu nl :t o yl a ii y co p n ), to a co "e pl y ei bl t m a y - m o e "(1)Wit to li bl t a i i g o t o theh a i i y r s n u fwhie in th o hi o hel e f s r r m i t na ce o se o t a r p rt ; a dan e n r u f h t p o e y ne pl y e t o pe fo mng dut em o m n r r r i i s rea e to the o y ul t d f o r (2)Unt l y u l ga re r se t t v ha be ni o r e l p e n a i e s e bu i e s, o to y u o h r "v l n e r a pon e .s n s r o r t e ou t e p i t d CG 1 0 02 1T 0 9 Pa e 11 o 21g f© 2017 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. insurance t described Declarations as: respect conduct which respect conduct respect respect officers directors respect Each conduct acts scope doctor. acting occupied care course conduct respect respect to the conduct of your business. i sure . Y u "e e u i e o fi e s" a d di e t rsn d o r x c t v f c r n r c o respect to their liability as stockholders. "e e u i e o f ce s" (i y u a e a o ga i a i nx c t v f i r f o r n r n z t o 1PMJDZ/VNCFS75$,$03"*/% SE TI N I – WH S AN I SU EDE TI N I – WH S AN I SU EE TI N I – WH S AN I SU E Docusign Envelope ID: F9AC9A1A-7D30-43C0-B525-C1635A73245B