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Home My WebLink About640150.tiffOwed, 14a(uul 7rna#U' 44Gi 4 7014 THE WESTERN CASUALTYAND SURETY COMPANY FORT SCOTT, KANSAS A STOCK INSURANCE COMPANY Insured 4-H CLUBS OF WELD COUNTY And Address GREELEY, COLORADO Policy 3 6/3/64 6/3/67 Term: Years Inception Expiration Agent KEYS AGENCY on -37082 NEW RENEWAL OF NUMBER DECLARATIONS Item 1. Named Insured 4-H Clubs of Weld County Address Weld County Court House, Greeley, Colorado Interest in Premises ("Owner,' "General Lessee," or "Tenant") Insured is ("Individual," "Co -partnership," "Corporation," "Receiver," or "Trustee") Club Item 2. Policy Period: From June 3, 1964, to June 3, 1967 12:01 A. M., standard time at the address of the named insured as stated herein. Item 3. Insurance is afforded only with respect to such and so many of the following coverages and divisions of hazards as are indicated by specific premium charge or charges. The limit of the company's liability against each such coverage and division shall be as stated herein, subject to all the terms of this policy having reference thereto. The rating classifications do not modify the exclusions or other terms of this polity. Coverages A and B. Cede No. Division 1. Premises —Operations (Location of Premises Covered) Clubs --Civic, Fraternal, Luncheon, Service or Social --no buildings or premises owned or leased except for office purposes 791 Coverage excludes (a) activities conducted insured to which the public is admitted if taehsiesioa fee is charged bythe insured, lb) buildings or premises, other than offices, by or rented to the insured, except premises hired or rented only for specified days fcr ing purposes, and (c) premises occupied by insured for purposes other than meetings vf-- members and guests. oe NAn by Insured Covered a TAB Policy Premium Basis Bodily Injury Coeerege A Prapern Damage Conrege B Rate Premium Rate Premium by the an owned meet- the -.- - - 1600 members .046 $73.60 .023 $36.80 Division 2. Elevators Not covered Division 3. Structural Alterations, New Construction or Demolition Not covered Division 4. Products —Completed Operations Not covered Coverage C. Medical Payments Not covered 1. Premises —Operations coverageC 2. Elevator Coverage 0. Contractual —Specified Type Not covered except as provided in policy cents o—Dic I coverage D --Div. 2 For a policy term of three years the premium shall be $ 287.04 payable in advance, $ 110.40 ; 2nd year, $ 88.32 ; 3rd year, $ 88.32 Total Estimated Premium 73.60 36.80 tem 4. Limits of Liability Coverage A and D $ 100,0. (Aggregateappliesto Coy. A, Div. 4 only) UUUU UU each person $ 300,000.00 each accident $ aggregate $ aggregate Item 5. During the past three years no insurer has canceled insurance, issued to the named insured, similar to that afforded hereunder, unless otherwise stated herein: not otherwise Countersigned: June 3, 1964 at Greeley. Colorado Form OLT 6503-R14 Coverage B and 0 (Aggregate applies to Cov. B, Divs. 3 and 4 only) $ 25,000.00 each accident Advanced Premium $ 110.40 Coverage c $ not covered each person each accident By a-t hi ti - I Authorized Agent Y 7,501-42,500-10-62-R&S E X ©O `V 640150 THE WESTERN CASUALTY AND SURETY COMPANY FORT SCOTT, %M(SAS (A stock insurance company, herein called the company) Agrees with the insured, named in the declarations made a part hereof, in consideration of the payment of the premium and in reliance upon the statements in the decla- rations and subject to the limits of liability, exclusions, conditions and other terms of this policy: 9n+mire R nenta I Coverage A -Bodily injury Liability. To pay on behalf of the insured all sums Coverage B—PropertyDasage Liability. To pay on behalf of the insured all sums whir() which the insured shall become legally obligated to pay as damages because of bodily the insured shall become legally obligated to pay as,damages because of injury to et injury, sickness or disease, including death at any time resulting therefrom, sustained destruction of property, including the loss of use thereof, caused by accident and ails- . by any person, caused by accident and arising out of the hazards hereinafter defined. leg out of the hazards hereinafter defined. ei Division 1 —Premises —Operations. The ownership, maintenance or use of the premises, and all operations necessary or incidental thereto. Division 2 —Elevators. The ownership, maintenance or use of any elevator designated in the declarations. Division 3—Sinwtunl Alterations, New Construction, Demolition. Structural alterations which involve changing the size of buildings or other structures, new con- struction and demolition, if the accident occurs in the course of such operations at the premises by the named insured or his contractors or their subcontractors. Division 4 —Products --Completed Operations. (1) Goods or products manufactured, sold, handled or distributed by the named insured or by others trading under his name, if the accident occurs after possession of such goods or products has been relinquished to others by the named insured or by others trading under his name and if such accident .occurs away from premises owned, rented or controlled by the named insured or on premises for which the classification stated in division 1 of Item 4 of the declarations a Ixc µdes any part of the foregoing; provided, such goods or products shall be deemed to include any container thereof, othef than a ve- hicle, but shall not include any veldingmacbineorany property; other than such rentable, tented to or located for use of others but dirt sold; f2) operations,4tr decline any act or omission in connection with operations performed by or on behalf of the named insured on the premises or elsewhere, whether or not goods or products are involved in such operations, if the accident occurs after such operations have been completed or abandoned and occurs away from emises owned, rented or controlled by the named insured; provided, operations shall not be deemed incomplete because improperly or defectively performed arbeeame further operations may be required pursuant to an agreement; provided further, the following shall not be deemed to be operations" within the meaning of this para- graph: (a) pick-up or delivery, except from or onto a railroad car, (b) the maintenance of vehicles owned or used by or in behalf of the insured, Cc) the existence of tools, uninstalled equipment and abandoned or unused materials and (d) operations for which the classification stated in division 1 of Item 4 of the deckme- tions specifically includes completed operations. : .. ,h Coverage C --Medical Payments. To pay all reasonable expenses inciirred(within one " calve officer, director der sfockirblder thereof while acting within the scope of his year from the date of accident for necessary medical, surgical and dental services, in- cluding prosthetic devices, and necessary ambulance, hospital, professional nursing and funeral services, to or for each person who sustains bodily injury, sickness or disease, caused by accident and arising out of the ownership, maintenance or use of the premises, or operations necessary or incidental thereto. Coverage D -Contractual Utility of a Specified Type. To pay on behalf of the insured all sums which the insured, by reason of the liability assumed by him under any of the following types of agreements, if in writing and if described in Item 3 of the declara- tions, shall become legally obligated to pay as damages because of: Division 1. Bodily Injury Liability —bodily injury, sickness or disease, including death at any time resulting therefrom, sustained by any person and caused by accident. Division 2. Property Damage Liability —injury to ordestruction of property, in- cluding the loss of use thereof, caused by accident. Types of Agreements: (1) a sidetrack agreement; (2) an easement agreement in con- nection with a railroad grade crossing; (3) an agreement required by municipal ordi- nance in.conlmctidi'with work fpf, the municipality.. 1I Defense, Settlement, Supplementary Payments. With respect to such insurance as is afforded by this policy for bodily injury liability and for property damage liability, the company shall: - (a) defend any suit against the insured alleging such injury, sickness, disease or destruction and seeking damages on account thereof, even if such suit is groundless, false or fraudulent; but the company may make such investigation, negotiation and settlement of any claim or suit as it deems expedient; (b)(1) pay all premiums on bonds to release attachments for an amount not in excess of the applicable limit of liability of this policy, all premiums on appeal bonds required in any such defended suit, but without any obligation to apply for, or furnish any such bonds; (2) pay all expenses incurred by the company, all costs taxed against the insured m any such suit and all interest accruing after entry of judgment until the company has paid or tendered or deposited in court such part of such judgment as does not exceed the limit of the company's liability thereon; (3) pay expenses incurred by the insured for such immediate medical and surgical relief to others as shall be imperative at the time of the accident; (4) reimburse the insured for all reasonable expenses, other than loss of earnings, incurred at the company's request; and the amounts so incurred, except settlements of claims and suits, are payable by the company in addition to the applicable limit of liability of this policy. III Definition of Insured. With respect to the insurance under coverages A, B and D the unqualified word "insured" includes the named insured and also includes any exe- duties as such, and any organization or proprietor with respect to real estate manage- ment for the named insured. If the named insured is a partnership, the unqualified word "insured" also includes any partner therein but only with respect to his lia- bility as such. - - , IV Insurance for Newly Acquired Premises, Elevators and Other Hazards. Such insur- ance as is afforded under division 1 of the Definition of Hazards and under coverage C applies to premises, draft or saddle animals, vehicles for use therewith, and vehicles from which merchandise is sold, if the named insured acquires ownership or control thereof. Such insurance as is or can be afforded under division 2 and under coverage C applies to elevators newly installed at the premises and to elevators at such ether premises. Such insurance as is or can be afforded under division 3, including demoli- tion operations, applies at such premises. This insuring agreement does not apply: (a) unless the named insured notifies the company: within. thirty'daysatter tie commentethent bf.earJraoh-addttional Hazard to which he wishes the insurance to.apply; (b) to -any toss againsLwhichrtthp named in- sured has (her valid and'totlectible insurance. - This.insuring agrtemerrt applies only undeiethe coveu'ages forrvdrich this-pblicy already affords insurance and then applies subject to the limits of liability stated in the declarations but, if no applicable aggregatee,,limit is so stated, the aggregate limit shall be theminimum aggregate limit : in the coynpany's'manual correspdndiiigifo the "each accident. limit stated. in.the-declarations. c._ _ v incidental Written Agreement!. Exclusion (d) does not apply to Orefollowing types of -written agreements relating to the premises: (a) any easement agreement, except in oamection-w ith ayailrentgrade crossing,* any aBmeala t recipient by municipal ordinance, except in connection -with work for the municipality, (.any.elevator or escalator maintenance agreement or (ill any lease of premises agreement. Exclusions (a), (c)(2) and (j) do notapplyto liability:: assumed under nib agreements. -:D, with respect to this insurm agrepment,,more than one division of the Definition of- Haz- 'aids *lies, the drafts Of lability applicable to this-insur)o agreement shall be the highest limits of liability asrstated•-ni the deeleratiaes4or anyone of -divisions 1, 2 and 3. VI Alienated Premises. Such insurance as is afforded by this policy under division 1 of the Definition of Hazards applies to premises alienated by the named insured, if the accident occurs after the named insured has relinquished possession thereof to others. This insuring agreement does not apply to premises constructed for sale by the named insured or over which the named insured has any right of control. VII Policy Period, Territory. This policy applies only to accidents which occur during the policy period within the United States of America, its territories or possessions, or Canada. teciagames This policy does not apply: (a) under division 1 of the Definition of Hazards, and under division 3 except for operations performed by independent contractors, and under coverage C, to the owner- ship, maintenance, operation, use, loading or unloading of (1) automobiles if the acci- dent occurs away from the premises, (2) draft or saddle animals, vehicles for use , therewith, vehicles from which merchandise is sold or watercraft, if the accident occurs away from the premises, except insofar as this part of this exclusion is stated in the declarations to be inapplicable, or (3) aircraft; (b) under division 1 of the Definition of Hazards, to elevators; (ci wider division 1 of the Definition of Hazards, and undercommie 4 to (1) struo- tural alterations which involve changing the size of or moving buildings or other strut - hires, new construction or demolition operations, by the named insured or his _ contractors or their subcontractqrs; (2) the Products —Completed Operations Hazard, or (3) operations on or from premises, other than as defined, which. are owned by, rented to or controlled by the named insured; (d) under divisions 1, 2. and 3 of the Definition of Hazards, to liability assumed by the insured under any contract or agreement; (el under division 4 of the Definition of Hazards, to liability assumed by the insured under any contract or agreement except a "warranty of goods or products; (f) under coverage D and under Insuring Agreement V, to (1) a warranty of goods or products, or (2) any obligation for which the insured may be held liable in an action on • a contract or an agreement by a person not a party thereto; (g) to injury, sickness, disease, death or destruction due to war, whether or not declared, civil war, insurrection, rebellion or revolution, or to any act or condition inci- dent to any of the foregoing, with respect to (1) liability assumed by the insured under • any contract or agreement or (2) expenses under Insuring Agreement II (b)(3) or under coverage C; (h) under coverages A, B and D, to liability imposed upon the insured or any indemnitee, as a person or organization engaged in the business of manufacturing, selling or distributing alcoholic beverages, or as an owner or lessor of premises used for such purposes, by reason of any statute or ordinance pertaining to the sale, gift, distribution or use of any alcoholic beverage and, under coverage C, to any expense resulting from such sale, gift, distribution or use; (D under coverages A and 0, to any obligation for which the insured or any carrier as his insurer may be held liable under any workmen's compensation, unemployment compensation or disability benefits law, or under any similar law; (j) under coverage A, to bodily injury to or sickness, disease or death of any em- ployee of the insured arising out of and in the course of his employment by the insured; (k) under coverages B and 0, to injury to or destruction of U) property owned or occupied by or rented to the insured, or (2) except with respect to liability under side- track agreements covered by this policy, property used by the insured, or. 13) except with respect to liability under such sidetrack agreements or the use of elevators, prop- erty in the care, custody or control of the insured or property as to which the insured for any purpose is exercising physical control, or (4) any goods, products or containers thereof manufactured, sold, handled or distributed or premises alienated by the named insured, or work completed by or for the named insured,eut.ofwhich the accident arises; (I) under coverage B, with respect to division 1 of the Definition of Hazards, and miller atilt* 3 Sinn lelthneared temmrstientipetioripettpiedepeadeitt contrac- tors, and under coverage D, to injury to or destruction of buildings or property therein, wherever occurring; arising out of any of the following causes, if such cause occurs on or from premises owned by or rented to the none) insured: (1) the discharge, leakage or overflow ofwateror steam from plumbing, heating, refrigerating or air-conditioning systems, standpipes for fire hose, or industrial or domestic appliances, or any substance from automatic sprinkler systems, (2) the collapse or fall of tanks or the component parts or supports thereof which form a part of autos& sprinkler systems, or (3) rain or snow admitted directly to the building interior through defective roofs, leaders or spouting, or open or defective doors, windows, skyl}gtri5,transoms or ventilators; but this exclusion does not apply to loss due to fire, to the use of elevators or escalators or to operations performed by independent contractors; (m) under coverage C, to bodily injury to or sickness, disease or death of (1) the named insured, any partner therein, any tenant gr other person regularly residing on premises owned by or rented to the Named insured, or any employee of such insured, tenant or other person arising out of and in the course:of his employment therewith, or (2) any other tenant of such premises, or any employee of such ether tenant arising out of and in the course of his employment therewith, on that part of such premises rented to such other tenant, or (3) any person arising out of and in the course of his employment if benefits therefor are in whole or in part either payable or required to be provided under any workmen's compensation law, or (4) any person while engaged in maintenance, alteration, demolition or new construction operations for the named insured or for any lessee of the named insured or any lessor of premises rented to the named insured, or (5) any person practicing, instructing or participating in any physical training, sport, athletic activity or contest; (n) under coverage C, to (1) elevators, unless medical payments for elevators is stated in the declarations as included, or (2) any expense for services by the named insured, any employee thereof, or any person or organization under contract to the named insured to provide such services. (ATTACH ENDORSEMENTS HERE) r ,ten c4eas Cowanliche/14 Cods-w,ns It is agreed that the policy does not apply: IV. 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 pro- tection pursuant to the Mask Energy Act of 1954, or any law amendatory thereof, or (2) the insured is, or had ibialiodernetliesivemmed world 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 anynuclear 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. As used in these exclusions: "hazardous properties" include radioactive, toxic or explosive properties; "nuclear material" means source material, special nuclear material or byproduct material; "source material", "special nuclear material", and "byproduct material" have the meanings given them in the Atomic Energy Act of 1954 or in any law amenda- tory 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" mans any waste material tit containing material and 2) resulting from the operation by any person or . of any nuclear facility included within the definition of nuclear facility under paragraph (a) or (b) thereof; "nuclear facility" means (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 en 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. eanditioa. 1, Premium. The premium bases and rates for the hazards deserted in the declare- grader, scraper, roller or farm implement; and, if not subject to motor vehicle tions are stated therein. Premium bases and rates for hazards not so described are registration, any other equipment not specified in (2) below, which is designed those applicable in accordance with the manuals in use by the company. The premium stated in the declarations for divisions 3 and 4 of the Definition of Hazards, and for such classifications in division 1 for which the premium basis is stated as "admissions", "receipts" or "units" are estimated premiums only. Upon termination of -this policy, the earnedf'em"Im far w>n" b rne 40111 tae Computed in accordance with the company's rules, rates, rating plains, premiums and minimum pre- miums applicable to this insurance. If the earned premium thus computed exceeds the estimated advance premium paid, the named insured shall pay the excess to the com- pany; if less, the company shall return to the named insured the unearned portion paid by such insured. The named insured shall maintain for the aforesaid hazards records of the information necessary for premium comPuta ion ell the leech a3lted in the dec- larations and shall send copies at m ei records to ibe.eadpYM 90 Hm end of the policy period and at such times during the policy period as the company may direct. When used as a premium basis: (1) the word "admissions" means the total number of persons, other than employees of the named insured, admitted to the event insured or to events conducted on the premises whether onpaid admission tickets, complimentary tickets or passes; (2) the word "cost" means the total cost to the named insured -under division 3 of the Definition of Hazards, or to any indemnitee under coverage 0, of all work let or sub -let in connection with each specific project, including the cost of all labor, materials and equipment furnished, used or delivered for use in execution of such work, whether furnished by the owner, contractor or subcontractor, including all fees, allowances, bonuses or commissions made, paid or due; (3) the word "receipts" means the gross amount of mdney charged by the named in- sured for such operations by the named insured or by others during the policy period as are rated on a receipts basis other than receipts from telecasting, broadcasting or motion pictures, and includes taxes, other than taxes which the named insured collects as a separate item and remits directly to a governmental division; (4) the word "remuneration" means the entire remuneration earned during the policy period by all employees of the named insured engaged in the operations, subject to any overtime earnings or limitation of remuneration rule applicable in accord- ance with the manuals in use by the company; (5) the word "sales" means the gross amount of money charged by the named insured or by others trading under his name for all goods and products sold or distributed during the policy period and charged during -the policy pesietl .for installation. servicing or repair, and includes taxes, other thaw taxes which the named in- sured and such others collect as a separate item and remit directly to a govern- mental division. 2. Inspection and Audit. The company shall be permitted to inspect the insured premises, operations and elevators and to examine and audit the insured's books and records at any time during the policy period and any extension thereof and within three years after the final termination of this policy, as far as they relateto the pre- mium bases or the subject matter of this insurance. 8. Definitions. (a) Premises. The unqualified word "premises" means the premises designated in the declarations and includes the ways immediately adjoining on land. (b) Elevator. The word "elevator" means any hoisting or lowering device to connect floors or landings at the premises, unless the named insured owns, rents or controls only a part of the building and does not operate, maintain or control the elevator, whether or not such device is in service, and all appliances thereof, including any car, platform, shaft, hoistway, stairway, runway, power equipment and machinery. "Eleva- tor" does not include a hoist without a platform outside a building if without mechani- cal power or if not attached to building walls, or a hod or material hoist used in alteration, construction or demolition operations, or an inclined conveyor used exclu- sively for carrying property, or a dumbwaiter used exclusively for carrying property and having a compartment height not exceeding four feet. (c) Automobile. The word "automobile" means a land motor vehicle, trailer or semi- trailer, provided: (1) The following described equipment shall be deemed an automobile while towed by or carried on an automobile not so described, but not otherwise: if of the crawler -type, any tractor, power crane or shovel, ditch or trench digger; any farm -type tractor; any concrete mixer other than of the mix -in -transit type; any (2) The following described equipment shall be deemed an automobile while towed by or carried on an automobile as above defined solely for purposes of trans- portation or while being operated solely for locomotion, but not otherwise: if of --^thenewasewilarsaypwer crasser sbovetilitchaetrenohdigger5 and any air -compressing, boilimg or vacuum cleaning, spraying or welding equipment or well drilling machinery. (d) Assault and Battery. Under coverages A and B, assault and battery shall be deemed an accident unless committed by or at the direction of the insured. 4. WINS of litii!, Csooraga A mid 0. The limit of bodily injury liability stated in the fiftlistathlit'iallikillefie "or persa " in the la* 0 the cetapny's liability for all damages, incuu ing'damages for care and loss of sees, arising out of bodily injury, sickness or disease, including death at any time resulting therefrom, sustained. by one person as the result of any one accident; the limit of such liability stated in the declarations as applicable to "each accident" is, subject to the above provision re- specting each person, the total limit of the company s liability for all damages, in- cluding damages for care and loss of services, arising out of bodily injury, sickness or disease, including death at any time resulting therefrom, sustained by two or more persons as the result of any one accident. 3. Limits of Liability —Coverages B and B. The limit of property damage liability stated in the declarations as applicable to "each accident" is the total limit of the company's liability for all damages arising out of injury to or destruction of all prop- erty of one or more persons or organizations, including the loss of use thereof, as the result of any one accident. B. Limits of llabi lty—Coverages A and B. Subject to the limit of liability with re- spect to "each accident", the limit of liability, if any, stated in the declarations as "aggregate" is the total limit of the company's liability for the division of hazards, and under the coverage, for which said limit is stated. Under division 4 of the Definition of Hazards all damages arising out of one lot of goods or products prepared or acquired by the named insured or by another trading under his name shall be considered as arising out of one accident. The insurance afforded by this policy under division 2 of the Definition of Hazards applies separately to each elevator. T. that aftlININIguatiemptC. Thelkearfliability for medical payments stated in the declarations as applicable to "each person" is the limit of the company's lia- bility for all expenses incurred by or on behalf of each person who sustains bodily in- jury, sickness or disease, including death resulting therefrom, as the result of any one accident; the limit of such liability stated in the declarations as applicable to each accident" is, subject to the above provisions respecting each person, the total limit of the company's liability for all expenses incurred by or on behalf of two or more persons who sustain bodily injury, sickness or disease, including death resulting there- from, as the result of any one accident. 8. Severability of Interests —Coverages A, B and D. The term "the insured" is used severally and not collectively, but the inclusion herein of more than one insured shall not operate to increase the limits of the company's liability. a. Notice of Accident. When an accident occurs written notice shall be given by or on behalf of the insured to the company or any of its authorized agents as soon as practicable. Such notice shall contain particulars sufficient to identify the insured and also reasonably obtainable information respecting the time, place and circumstances of the accident, the names and addresses of the injured and of available witnesses. 10. Notice of Claim or Suit —Coverages A, B and 0. If claim is made or suit is brought against the insured, the insured shall immediately forward to the company every de- mand, notice, summons or other process received by him or his representative. 11. Assistance and Cooperation of the Insured —Coverages A, B and D. The insured shall cooperate with the company and, upon the company's request, shall attend hear- ings and trials and shall assist in effecting settlements, securing and giving evidence, obtaining the attendance of witnesses and in the conduct of suits. The insured shall not, except at his own cost, voluntarily make any payment, assume any obligation or incur any expense other than for such immediate medical and surgical relief to others as shall be imperative at the time of accident. 12. Medical Reports; Proof and Payment of Claim —Coverage C. As soon as practicable the injured person or someone on his behalf shall give to the company written proof of claim, under oath if required, and shall, after each request from the company, execute authorization to enable the company to obtain medical reports and copies of records. The injured person shall submit to physical examination by physicians selected by the company when and as often as the company may reasonably require. The company may pay the injured person or any person or organization rendering the services and such payment shall reduce the amount payable hereunder for such injury. Payment hereunder shall not constitute admission of liability of the insured or, except hereunder, of the company. 13. Action Against Company —Coverages A, B and 0. No action shall lie against the company unless, as a condition precedent thereto, the insured shall have fully com- plied with all the terms of this policy, nor until the amount of the insured's obligation to pay shall have been finally determined either by judgment against the insured after actual trial or by written agreement of the insured, the claimant and the company. Any person or organization or the legal representative thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under this policy to the extent of the insurance afforded by this policy. Nothing contained in this policy shall give any person or organization any right to join the company as a co- defendant in any action against the insured to determine the insured's liability. Bankruptcy or insolvency of the insured or of the insured's estate shall not relieve the company of any of its obligations hereunder. 14. Action Against Company —Coverage C. No action shall lie against the company unless, as a condition precedent thereto, there shall have been full compliance with all the terms of this policy, nor until thirty days after the required proofs of claim have been filed with the company. 15, Other Iusgrance—Coynzages A, IL and 0. If the insured. has other . insurance against'a kiss by this policy the cofnpany shall not be liable under this policy_ fog a qgreater proportion of such loss than the applicable limit of liability stated' ih the {Rblt ations beta to the total applicable limit of liability of all valid and collectible insurance against such loss. 16. Subrogation —Coverages A, B and 0. In the event of any -payment under this policy, the company shall be subrogated to ail the insured's rights of recovery there- for against any person or organization and the insured shall execute and deliver in- struments and papers and do whatever else is necessary to secure such rights. The insured shall do nothing after loss to prejudice such rights. 17. Three Year Policy. A policy period of three years is comprised of three consecu- tive annual periods. Computation andadjustment of earned premium shall be made at the end of each annual period. Aggregate limits of liability as stated in this pot- • icy shall apply separately to each annual period. 18. Changes. Notice to any agent or knowledge possessed by any agent or by any other person shall not effect a waiver or a change in any part of this policy or estop the company from asserting any right under the terms of this policy; nor shall the terms of this policy be waived or changed, except by endorsement issued to form a part of this policy. 19. Assignment. Assignment of interest under this policy shall not bind the company until its consent is endorsed hereon; if, however, the named insured shall die, this policy shall cover the named insured's legal representative as named insured; pro- vided that notice of cancelation addressed to the insured named in the declarations and mailed to the address shown in this policy shall be sufficient notice to effect cancelation of this policy. 20. Cancelation. This policy may be canceled by the named insured by surrender thereof to the company or any of its authorized agents or by mailing to the company written notice stating when thereafter the cancelation shall be effective. This policy may be canceled by the company by mailing to the named insured at the address shown in this policy written notice stating when not less than ten days thereafter such cancelation shall be. effective. The mailing of notice as aforesaid shall be suffi- cient proof of notice. The time of the surrender or the effective date and hour of cancelation stated in the notice shall become the end of the policy period. Delivery of such written notice either by the named insured or by the company shall be equivalent to mailing. If the named insured cancels, earned premium shall be computed in accordance with tie customary short rata table and procedure. If the oompaq ameels#earned premium shall be computed pro rata. Premium adjustment may be made either at the time cancelation is effected or as soon as practicable after cancelation becomes effective, but payment or tender of unearned premium is not a -condition of cancel& tion. 21. Declarations. By acceptance of this policy the named insured agrees that the. statements in the declarations are his agreements and representations, that this policy is issued in reliance upon thetruth of such representations and that this policy embodies all agreements existing between himself and the company or any of its agents relating to this insurance. In Witness Whereof, The Western Casualty and Surety Company has caused this policy to be executed and attested, but this policy shall not be valid unless counter- signed on the declarations page by a duly authorized agent of the company. Secretary President MICHIGAN SPECIAL PROVISION —If this policy is written in the State of Michigan, it is agreed that the first paragraph of the Cancelation Condition is amended to read as follows: "This policy may be canceled by the named insured by surrender thereof to the company or any of its authorized agents or by mailing to the company written notice stating wnenthernafter the cancelation shall be effective This policy may be canceled by the company by mailing to --the named insured at his address last known to the company or its authorized agent written notice stating when not Less than ten days thereafter such cancelation shall be effective. The time of the surrender or the effec- tive date and hour of cancelation stated in the notice shall become the end of the policy period. Delivery of such written notice eitherby the named insured or by the company shall be equivalent to mailing." i AMENDING ENDORSEMENT It is agreed that the words "and caused by accident' appearing in Insuring Agreement I, Coverage A - Bodily In- jury Liability - are deleted, and as respects Bodily Injury Liability only, wherever in the policy the word "acci- dent" appears, the word "occurrence" shall be substituted therefor. All other terms, limits and provisions of this policy remain unchanged. OLT 37Q0Z a The Western Casualty and Surety Company Attached to and made a part of Policy No of Fort Scott, Kansas. Issued to 4-H Clubs of Weld County .GtRR1sy....COSexA.do Name of Insured City State Endorsement Effective June 3 1964 ./6 Secretary FORM CGA 6660 Countersigned by Agent. Hello