COMMERCIAL UMBRELLA LIABILITY PROGRAM

1 COMMERCIAL . UMBRELLA . LIABILITY . PROGRAM . COMMERCIAL UMBRELLA /EXCESS LIABILITY PROGRAM . UTICA FIRST INSURANCE COMPANY. TABLE OF CONTENTS. RULES. Eligibility PROGRAM Description Policy writing Instructions Additional Exclusions Coverage Options Additional Interests Premium Determination Individual Risk Premium Modification INTRODUCTION. This manual contains the rules and rating information for writing COMMERCIAL UMBRELLA /excess LIABILITY coverage. REV COMMERCIAL UMBRELLA Manual -1 AAIS. COMMERCIAL UMBRELLA /EXCESS LIABILITY PROGRAM . UTICA FIRST INSURANCE COMPANY. INDEX. RULE 1 -- ELIGIBILITY .. 7. Eligibility Requirements .. 7. Submit to Company .. 7. Eligibility of 7. General .. 7. Scope Of Coverage .. 7. Limits Of LIABILITY .. 7. Ineligible Exposures .. 8. RULE 2 -- PROGRAM DESCRIPTION .. 13. Policy Form .. 13. Principal Coverages .. 13. Coverage E -- Excess LIABILITY Coverage U -- UMBRELLA LIABILITY Policy Limits.

2 14. Each Occurrence Limit Aggregate Limits Underlying Insurance -- Minimum Limits .. 15. Retained Limit .. 18. Minimum Premium .. 18. Motel And Hotel 17. Directors And Officers LIABILITY Rating .. 20. Habitational: Apartment/Condominium 20. Premium Modifications .. 20. Maximum Risk Size Limitations .. 20. Rating Factors .. 21. RULE 3 -- POLICYWRITING INSTRUCTIONS .. 22. Policy Format .. 22. Policy Term .. 22. Endorsements .. 22. Cancellations or Reductions in Limits or Coverages .. 22. RULE 4 -- ADDITIONAL EXCLUSIONS .. 23. Exclusion -- Auto LIABILITY -- Coverage E .. 23. Exclusion -- Designated Auto -- Coverage E .. 23. Exclusion -- Hired & Non-Owned Auto LIABILITY Coverage -- Coverage E .. 23. Exclusion -- Contractual LIABILITY -- Coverage U .. 23. Exclusion -- Contractual LIABILITY -- Coverage E .. 24. Exclusion -- Products/Completed Work Hazard -- Coverage E.

3 24. Exclusion -- Products/Completed Work Hazard -- Coverage U .. 24. Exclusion -- Designated Products -- Coverages E and U .. 24. Exclusion -- Designated Work -- Coverages E and U .. 24. Exclusion -- Designated Premises -- Coverages E and U .. 25. Exclusion -- Designated Project -- Coverages E and U .. 25. Exclusion Personal and Advertising Injury LIABILITY -- Coverages E and U .. 25. Exclusion -- Personal Injury LIABILITY -- Coverages E and U .. 25. Exclusion -- Advertising Injury LIABILITY -- Coverages E & U .. 25. COMMERCIAL UMBRELLA /EXCESS LIABILITY PROGRAM . UTICA FIRST INSURANCE COMPANY. Exclusion -- Personal Property -- Care, Custody, & Control -- Coverages E and U . 26. Exclusion -- Real Property -- Care, Custody, and Control -- Coverages E and 26. Exclusion - Real & Personal Property - Care, Custody, & Control - Coverage E& U 26. Known Injury or Damage Amendments -- Coverage E.

4 26. Exclusion -- Professional LIABILITY -- Coverage E .. 27. Directors and Officers LIABILITY Exclusion -- Coverage E .. 27. Exclusion -- Employment Related Practices LIABILITY -- Coverage E .. 27. Exclusion -- Employee Benefit LIABILITY -- Coverage 27. Exclusion -- Liquor LIABILITY -- Coverage 27. Exclusion -- Watercraft LIABILITY -- Coverage E .. 27. Exclusion -- Designated Watercraft -- Coverage E .. 28. Exclusion -- Cross LIABILITY -- Coverages E and U .. 28. Punitive Damages Exclusion -- Coverages E and 28. Additional Endorsements/Exclusions Utica First .. 28. RULE 5 -- COVERAGE OPTIONS .. 34. LIABILITY Coverage - Designated Premises - Coverages E and U .. 34. LIABILITY Coverage -- Designated Project -- Coverages E and U .. 34. Amendment Aggregate Limits of Insurance -- Per Location Coverages E & 34. Amendment Aggregate Limits of Insurance -- Per Project -- Coverages E & U.

5 34. Products/Completed Work Hazard -- Expanded Definition - Coverage 34. Contractual LIABILITY Limitation .. 35. Professional LIABILITY Limitation -- Coverage E .. 35. Coverage Territory Limitation .. 35. Lead/Lead Contamination ..35. RULE 6 -- ADDITIONAL INTERESTS .. 36. Under Coverage E -- Excess LIABILITY .. 36. Under Coverage U -- UMBRELLA LIABILITY .. 36. RULE 7 -- PREMIUM DETERMINATION .. 37. PREMISES OPERATIONS (ART, CPP) .. 38. Primary Limits .. 38. PRODUCTS/COMPLETED OPERATIONS (CPP) .. 38. Primary Limits .. 38. BUSINESS OWNERS PROGRAM (AAIS BP-100, BP-200) .. 38. Primary Limits .. 38. COMMERCIAL AUTOMOBILE 38. Primary Limits .. 38. RULE 8 -- INDIVIDUAL RISK PREMIUM MODIFICATION .. 40. RULE 9 MAXIMUM RISK 41. ADDITIONAL COMMERCIAL UMBRELLA ENDORSEMENTS (UTICA FIRST) .. 65. INCIDENTAL MEDICAL MALPRACTICE PROFESSIONAL LIABILITY EXCL .. 67. ACCOUNTANT'S PROFESSIONAL LIABILITY 71.

6 AGGREGATE LIMITS OF LIABILITY .. 72. REV COMMERCIAL UMBRELLA Manual - 3 AAIS. COMMERCIAL UMBRELLA /EXCESS LIABILITY PROGRAM . UTICA FIRST INSURANCE COMPANY. AIRCRAFT LIMITATION .. 73. AIRCRAFT PRODUCTS EXCLUSION .. 73. AIRPORT EXCLUSION ENDORSEMENT .. 74. ALARM OR PROTECTIVE EXCLUSION .. 75. AMENDATORY ENDORSEMENT INSPECTION .. 76. ARCHITECTS, ENGINEERS, SURVEYORS PROFESSIONAL LIABILITY EXCL .. 77. ARCHITECTS - ENGINEERS OR SURVEYORS FOLLOWING FORM .. 78. ASBESTOS EXCLUSION .. 79. ASSUMED PRODUCTS LIABILITY 80. AUTOMOBILE DEALERS LIMITATION .. 81. AUTOMOBILE LEASING ENDORSEMENT .. 82. AUTOMOBILE LEASING 83. AUTOMOBILE LIABILITY LIMITATIONS .. 84. AUTOMOBILE LIABILITY EXCLUSION ENDORSEMENT .. 85. OWNED AUTOMOBILE EXCLUSION .. 86. OWNED/HIRED AUTOMOBILE EXCLUSION .. 87. "BED AND BREAKFAST" LIABILITY 88. BROADCASTING. TELECASTING AND ADVERTISING ACTIVITIES .. 89. CANCEROUS DISEASES.

7 90. CARGO EXCLUSION .. 91. COMMUNITY ANTENNA TV OR CABLE TV EXCLUSION .. 92. CHILD MOLESTATION EXCLUSION .. 93. CLERGYMAN'S PROFESSIONAL FOLLOWING FORM ENDORSEMENT .. 94. CONTRACTOR'S ENDORSEMENT .. 95. CONTRACTUAL LIABILITY .. 96. CROSS SUITS ENDORSEMENTS .. 97. DATA PROCESSING ERRORS OR .. 98. OMISSIONS ENDORSEMENT .. 98. DIRECTORS' AND OFFICERS' 99. DRUGGISTS' LIABILITY FOLLOWING FORM ENDORSEMENT .. 100. EMPLOYEE BENEFITS LIABILITY ENDORSEMENT .. 101. EMPLOYMENT -RELATED PRACTICES LIABILITY EXCLUSION .. 104. EMPLOYERS 105. ERISA EXCLUSION .. 106. ERRONEOUS DELIVERY OF LIOUID 107. EXCLUSION OF DESIGN OR PROFESSIONAL LIABILITY .. 107. FAILURE TO RESPOND .. 108. FIELD OF ENTERTAINMENT EXCLUSION .. 109. FINANCIAL INSTITUTION ENDORSEMENT .. 110. FOLLOWING-FORM ENDORSEMENT .. 112. HOSPITAL PROFESSIONAL LIABILITY .. 113. INCIDENTAL MEDICAL MALPRACTICE .. PROFESSIONAL LIABILITY FOLLOWING FORM ENDORSEMENT.

8 114. REV COMMERCIAL UMBRELLA Manual - 4 AAIS. COMMERCIAL UMBRELLA /EXCESS LIABILITY PROGRAM . UTICA FIRST INSURANCE COMPANY. INCIDENTAL MEDICAL MALPRACTICE PROFESSIONAL LIABILITY EXCL .. 115. INDIVIDUAL AS NAMED INSURED .. 116. INSPECTION SERVICE FOLLOWING FORM .. 117. INSURANCE AGENTS, BROKERS AND CONSULTANTS .. FOLLOWING FORM ENDORSEMENT .. 118. INSURANCE COMPANY ENDORSEMENT .. 119. JOINT VENTURE CLAUSE .. 120. LABOR UNION ENDORSEMENT .. 121. LAWYERS PROFESSIONAL LIABILITY FOLLOWING FORM ENDORSEMENT .. 122. LEAD/LEAD CONTAMINATION EXCLUSION .. 123. LEASED AUTOMOBILES AUDITED PREMIUM ENDORSEMENT .. 124. LIQUIFIED PETROLEUM GAS EXCLUSION .. 125. LIQUOR LIABILITY FOLLOWING FORM ENDORSEMENT .. 126. LIQUOR LIABILITY 127. LOGGING AND LUMBERING ENDORSEMENT .. 128. MARITIME EMPLOYERS' LIABILITY EXCLUSION .. 129. MINING LIMITATION ENDORSEMENT .. 130. MUNICIPALITIES AMENDATORY ENDORSEMENT.

9 132. NAMED LOCATIONS ONLY ENDORSEMENT .. 134. NON-CONCURRENCY ENDORSEMENT .. 135. OIL INDUSTRIES ENDORSEMENT .. 136. OCCUPATIONAL DISEASE EXCLUSION ENDORSEMENT .. 137. PARTNERSHIP AS NAMED INSURED .. 138. PERSONAL INJURY LIABILITY FOLLOWING FORM ENDORSEMENT .. 139. PERSONAL PROPERTY CCC EXCLUSION .. 140. POLLUTION EXCLUSION-ABSOLUTE .. 140. PRODUCTS-COMPLETED OPERATIONS LIABILITY .. 141. FOLLOWING -FORM ENDORSEMENT .. 141. PROFESSIONAL LIABILITY EXCLUSION .. 142. PROFESSIONAL LIABILITY FOLLOWING FORM ENDORSEMENT .. 143. PROPERTY DAMAGE LIMITATION EXPLOSION, AND UNDERGROUND HAZARDS .. 144. PUBLIC OFFICIAL LIABILITY EXCLUSION .. 145. PUBLISHERS' LIABILITY ENDORSEMENT .. 146. PUBLISHER'S LIABILITY EXCLUSION .. 147. REAL ESTATE AGENTS PROFESSIONAL LIABILITY 148. REAL ESTATE AGENTS PROFESSIONAL LIABILITY 149. RECREATIONAL VEHICLES EXCLUSION .. 150. RETROACTIVE EXCLUSIONS CLAUSE.

10 151. RIOT EXCLUSION ENDORSEMENT .. 152. SCHOOL ENDORSEMENT .. 153. SECURITY SERVICES LIMITATION .. 154. LIABILITY EXCLUSION ENDORSEMENT .. 155. REV COMMERCIAL UMBRELLA Manual - 5 AAIS. COMMERCIAL UMBRELLA /EXCESS LIABILITY PROGRAM . UTICA FIRST INSURANCE COMPANY. SEEDMEN'S ERRORS AND OMISSIONS ENDORSEMENT .. 156. EXCLUSION - SEXUAL ABUSE OR SEXUAL MOLESTATION .. 157. SHIP REPAIRS LIABILITY EXCLUSION .. 158. SPORTS PARTICIPANTS EXCLUSION .. 159. SUB-CONTRACTOR WARRANTY ENDORSEMENT .. 160. SUBSIDENCE ENDORSEMENT .. 161. SUPPLEMENTARY POLLUTION EXCLUSION .. 162. TEACHER'S LIABILITY ENDORSEMENT .. 163. TOBACCO PRODUCTS EXCLUSION .. 164. TRAMPOLINE EXCLUSION 165. TRAVEL AGENCY ENDORSEMENT .. 166. TRUST DEPARTMENT ENDORSEMENT .. 166. UNIMPAIRED AGGREGATE .. 167. UNINSURED LOCATIONS EXCLUSION .. 168. CATASTROPHE LIABILITY .. 169. UNINSUREDIUNDERINSURED MOTORISTS COVERAGE.