Loading...
HomeMy WebLinkAboutPROTECTION AMERICA, INC. (2)u;'ANCE ON FILE U I, tOY PROCEED I "URANCE EXPIRES MAY 1 2 2029 "L -21 —cna DF COUNCIL 4is4& FIRST AMENDMENT TO Q . Copwb)(TAI(YI q0V VS-)T'r TO PROVIDE SECURITY SERVICES N-2021-085-01 THIS FIRST AMENDMENT TO AGREEMENT is made and entered into this I I day of May, 2021, by and between Protection America, Inc., a California corporation ("Consultant"), and the City of Santa Ana, a charter city and municipal corporation organized and existing under the Constitution and laws of the State of California ("City"). RECITALS A. City and Consultant entered into the Agreement with Protection America hic. to Provide Security Services dated April 26, 2021, Agreement # N-2021-085, to provide security services for The Link shelter ("said Agreement"). B. In accordance with the terms and conditions of said Agreement, the Parties desire to amend Section 2 — Compensation, to increase the maximum amount of Compensation for said Agreement. NOW THEREFORE, in consideration of the mutual and respective promises, and subject to the terms and conditions of said Agreement, except as herein modified, the parties agree as follows: 1. Section 2, Compensation, shall be amended to increase the maximum amount of compensation by four thousand five hundred dollars ($4,500.00) such that the total sum to be expended under said Agreement shall not exceed nine thousand five hundred dollars ($9,500.00) during the term of said Agreement. 2. Except as hereinabove modified, all terms and conditions of said Agreement shall remain in full force and effect. (Signatures on following page) Page 1 of 2 N-2021-085-01 IN WITNESS WHEREOF, the Parties have executed this First Amendment to said Agreement the date and year first above written. A , A-5aisy Gomez APPROVED AS TO FORM: SONIA R. CARVALHO City By: Rya Ass' RECOMMENDED FOR APPROVAL: Steven A. Mendoza Executive Director Community Development Agency CITY OF SANTA ANA Kristine Ridge City Manager PROTECTION AMERICA INC.: -X4-jtqL Ahmed Ali President Page 2 of 2 1 1 rKvinza A� CERTIFICATE OF LIABILITY INSURANCE LY P DATW21fD021 4127/2021 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the Certificate holder Is an ADDITIONAL INSURED,the policy(les) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate doos nok confer rights to the certificate holder in lieu of such endorsements . PRODUCER 877.242-9600 centr93EastMainStre Agency, 03 East Main Y 117 . Smithtown, NY 11707 George Oavarls RRAYCT Central Insurance Agency, Inc PIVOT 877.242.9600 877-243.8995 c No, Ex1: c Nal: INSURERS)AFFORDING COVERAGE NAIO If I ! Employers Assurance Company 25402 Ne RE o von merica Inc. 0r hoHgg 9 3Ra svrortfi, CAINSURERD: INSURER J$: INsuRELc,InfinitySelect Insurance Company 20200 INSURER E: _ NeURER F: CERTIFICATE NUMBER- THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONSAND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INBR rypE OF INSURANCE DDL UBR POLICY NUMBER POLICY EFF POUCYEXP LIMITS COMMERCIAL OFNERAL LIABILITY CLAIMS -MADE ❑ OCCUR EACH OCCURRENCE $ GETQRENTED E MED E* (Any one ,e son ONALBADVINJ $ LIES EN1AGGREGATE LIMIT APPLIES PER: �I PRO- An POLI JEGT LOC RAL AGGREGATE PRODUCTS - COMING? 00 8 OTHER: C AUTOMOBILE X LIABILITY ANY AU O NEHDUL AUED WE%ONLY SyyM XX 604610110722001 10/06/2020 10/OB(2021 COMBINED SINGLE LIMIT Fee 1,996 BBB BODILY INJURY IV on $ BODLY INJURY Per mcldent $ Pg.ER;YDAMAGE $ UMBRELLA LMB OCCUR EACH OCCURRENCE EXCESS LIAS CLAIMS -MADE AOGREQATE DEO RETENTION$ A WW AN, EMPLOYEMRS' COMPENSATION YINEIG25620B4-02 AQQNppYPRFFOPRIET99O¢¢RRRIPARTTNERIGXECUTIVE (mandataryln NH) EXCLU DED'i Y II eCR[dbe UndOPERATIO Sbea WA X 1110612020 71lOG/2021 X STATUTE OTH- E.L. EACH ACCIDENT $ 1,000,000 E. L. DISEASE -EMPLOYE 1,000,00B E.I DISEASE -PO YLIMIT 1,000,000 DESCRIPTION OF OPERATIONS/ LOCATIONS I VEHICLES tACORD 101, Addtlionel Remarks Schedule, maybe attoohed If more space Is mquhed) The City of Santa Ana, its officers, employees, agents, and representatives are named as additional insured under the Commercial Auto Liability On this policy pursuant to written contract, agreement, or memorandum Of understanding, Waiver of subrogation applies to the Workers Compensation par the attached endorsement. SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Santa Ana THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Risk Management Division ACCORDANCE WITH THE POLICY PROVISIONS, 20 Civic Center Plaza Santa Ana CA 92702 AUTHORIZED REPRESENTATIVE MAMWMentDir(filan _-F °. i REVIEViID � &gPPROVBY% ACORD 25 (2010103) a 1988-2015 ACORD C 'S'; II F4,LI ow P, VAwd The ACORD name and logo are registered marks of ACORD 'I� MIX Manugemrnt Analyst Olgltally nlgned by rmndne R. Francine R, Villareal Villareal ACGOR a� CERTIFICATE OF LIABILITY INSURANCE D DATE (MMIOD VYYY) 4/21/2021 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, ANDTHE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder Is an ADDITIONAL INSURED, the policy(los) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement A statement on this certificate does not confer rights to the certificate holder In lieu of such endorsement($). PRODUCER Venture Pacific Insurance Services, Inc. 111 Corporate Drive Suite 200 Ladera Ranch, CA 92694 °rA E Al Trao Mullins ON1.E i0. 949-421.3540 PAXJAM No • 949.297-4911 .MAIL ADDRESS, TMulllns v Isrisk.mm INSURERSAFFORDINO COVERAGE NAIC# www.venlurepacificlnsurance.com I..IdF0D10299 INSURERA: Burlln Ion Insurance Company 23620 INSURED Protection America, Inc. 21350 Nordhoff St. #104C INSURER e: INMURENC: INSURERS: Chatsworth CA 91311 INSURERS: INSURER F: COVERAGES CERTIFICATE NUMBER: 91a1AN79 REVISION MNMRFR- 'PHIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED, NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. ILTR TYPE OF INSURANCE ADOL also BURR MAID POLICYNUMBE PDLICYEFF MMmO POLIC DDY EXP LIMITS A OOMMERCIALGENERAL LIABILITY CLAIMS -MADE 7 OCCUR Errom & Dmlaalon& 398BG02530 4/15/2021 4/15/2022 EACH OCCURRENCE $1000000 PREMISES euow,mnne $100000 MED EXP (Anyone .man) $10 Ogg PERSONAL& ADV INJURY $1000000 GENLAGGREGATE UMfT APPLIES PER: POLICY❑✓ JECTPRO, LOG OTHER: OC•NERALAGGREGATE $2A00,000 PRODUCTS-COMPIOP ADD $2000000 $ AUTOMOBILELIABILITY ANY AUTO OWNED aCHEOULED AUTOS ONLY AUTOS HIRED NON -OWNED AUTO$ ONLY AUTOS ONLY CO BINEDSINGLE LIMIT Ea aaddent $ BODILY IWURY(Par person) $ BODILY INJURY Peracddeol I I $ PROPERTY DAMAGE per esddenl $ d UMDRELLA UAD EXCESS LIAR OCCUR CLAIMS -MADE EACH OCCURRENCE $ AGGREGATE $ DEO RETENTION$ $ WORKERS COMPENSATION ANDEMPLOYERS- LIABILITY y)N ANYPROPRIETORIPARTNEWEXECUTIVE ❑ OFFICERIMEMBEREXCLUDEDY (Mandaten/ Ile NH) If yes, deecdbe under DESCRIPTION OF OPERATIONa b.1W NrA P OTH- STATUTE E E.L. EACH ACCIDENT $ E.L.msEASE-EAEMPLOY $ E.L.DISEASE•POLICYLIMIT $ DESCRPTION OF OPERATIONS f LOCATIONS I VEIIICLCS (ACORD IOU Addlttsnol 130MURB schedule, may be aflaehad R mote apace w regelmd) The City of Santa Ana, its officers, employees, agento, and representatives are named as additional Insured on this policy pursuant to written contract, agreement, or memorandum of understanding. Coverage Is primary and non-wnlrlbutory. 30 Day Notice of Cancellation with 10 Days Notice for Non -Payment of Premium In accordance with the -policy provisions. City of Santa Ana Risk Management Division 20 Civic Center Plaza Santa Ana CA 92702 ACORD 25 (2016103) SHOULD ANY OF THE ABOVE DESCRIBED POLICIES Be CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELWERED IN ACCORDANCE WITH THE POLICY PROVISIONS. The ACORD name and logo are registered marks of ACORD @REA0419) & APPROVII7 BY: r'4acadkW Z Vt" Risk ManapRment Analyst a131437e �aL-aa nc w/nx caBOR I Tracy Mellins n/za/xoza s,av:os PN (nDs) I ea Toe a This car ificate ncels and supersedes ALL previously issued certi Etastes. POLICY NUMBER:39ODG02530 COMMERCIAL GENERAL LIABILITY CO 20 26 0413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Person(s) Or Organization(s): City of Santa Ana Risk Management Division 20 Civic Center Plaza Santa Ana CA 92702 A. Section tl — Who Is An Insured is amended to Include as an additional insured the person(s) or organization(s) shown In the Schedule, but only with respect to liability for "bodily Injury", "property damage" or "personal and advertising injury" caused, In whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: 1. In the performance of your ongoing operations; or 2. In connection with your premises owned by or rented to you. However: 1. The Insurance afforded to such additional insured only applies to the extent permitted by law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. CG20260413 B. With respect to the Insurance afforded to these additional insureds, the following Is added to Section III — Limits Of Insurance: If coverage provided to the additional Insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. © Insurance Services Office, Inc., 2012 m4 RNIMan"unt9Malon pREVIMO&APPROVED sr, e Risk Manage,nenI Analgit 41314379 1 9142 aL a/Al N I msaPy M11"n 1 4/21/2021 309 ias eM (20T) 1 Va a e 4 Thia carLificate eaneela and supereodee ALL praviously issued oerti"EiOahae. 3988G02530 COMMERCIAL GENERAL LIABILITY CO 20 01 Od 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION This endorsement modifles Insurance provided under the following, COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTSICOMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to the Other Insurance Condition and supersedes any provision to the contrary: Primary And Noncontributory Insurance This Insurance Is primary to and will not seek contribution from any other Insurance available to an additional Insured under your policy provided that: (1) The additional Insured Is a Named Insured under such other Insurance; and CG 20 01OG 13 (2) You have agreed In writing in a contract or agreement that this Insurance would be primary and would not seek oontrlbution from any other Insurance available to the additional Insured. Q Insurance Services Office, Inc., 2012 a:y� 1UdlMwwk{emenkDtW9Wn ;N' "Nk R4mRw p&APP,Mu d �j RBk Management Anaysl 6%314370 2L-22 WL W/AS W98 I Traay N1111np 11/21/2021 3139106 PM (PUT) I P9,B 3 OX 4 Thin cer 3£itlate cancels and supersedes ALL previously issued certlsEicates. ADDITIONAL INSURED ENDORSEMENT Insurance Company Burlington Insurance Company This endorsement modifies such Insurance as Is afforded by the provisions of Policy #398BG02530 ... _. __. _,. relating to the following: 1, The City of Santa Ana, 20 Civic Center Plaza, Santa Ana, California 92701; It officers, employees, agents and representative are named as additional Insureds ("additional Insureds") with regard to liability and defense of sults arising from the operations and uses performed by or on behalf of the named Insured, 2, With respect to claims arising out of the operations and uses performed by or on behalf of the named insured, such insurance as Is afforded by this policy Is primary and Is not additional to or contributing with any other insurance carried by or for the benefit of the additional insureds. 1 This Insurance applies separately to each Insured against whom claim is made or suit is brought except with respect to the company's limits of liability. The inclusion of any person or organization as an insured shall not affect any right which such person or organization would have as a claimant if not so included, 4. With respect the additional insureds, this Insurance shall not be cancelled, or materially reduced In coverage or limits except after thirty (30) days written notice has been given to the City of Santa Ana, 20 Civic Center Plaza, Santa Ana, California 92701, (Completion of the following, including countersignature, Is required to make this endorsement effective.) Effective _ 4/2112021 this endorsement form as part of Policy# 398BG02530 Issued to ___„Protection America,�lnc,,_,_„� Name Insured Countersigned by Page 20 of 20 �,� xmkManagenceneoNi.wn ,vs `"); q rsR�EMEWED&nAPPPtR'OV®BY. f �i PM4HEMnE it, V' i Risk Management Analyst stasnaxs l il-aa an w/.r wos I erect' Mullin" 1 n/21/aoal a: as 106 M (Pmi) I Pa n e e This carL'1£icate canools and supersedes ALL previously issued oortiicalces. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 04 03 06 (Ed.4-84) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT-CALIFORNIA We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described In the Schedule. The additional premium for this endorsement shall be 2 % of the California workers' compensation premium otherwise due on such remuneration. Schedule Person or Organization Job Description With respect to all employees subject to the workers' compensation laws of the state of California, any person or organization for whom the Named Insured has agreed by written contract to furnish this waiver. This policy is subject to a minimum charge of $250 for the Issuance of waivers of subrogation This endorsement changes the policy to which It Is attached and is effective on the date issued unless otherwise stated, (The Information below Is required only when this endorsement is issued subsequent to preparation ofthe policy.) This endorsement, effective 11/06/2020 Policy No. EIG 2562084 02 Issued to PROTECTION AMERICA INC Premium Countersigned at at 12:01 AM standard time, forms a part of Of the EMPLOYERS ASSURANCE CO, Carrler Code 00919 WC 04 03 06 (Ed. 4-84) ®1998 by the Workers' Compensation Insurance Rating Bureau of California. All rights re'. Endorsement No. Authoriz _ plekMsnagmnarttDl*'— d@ `REMMKIED&MPROVEBY: iAGCii Rhk Moiawmenl Anal q - u r P r insurance A Venture Pacific Insurance Company COMMERCIAL GENERAL LIABILITY COVERAGE WRITTEN ON: Occurrence Form Insured: Protection America Inc. Insurer: Policy Number: COVERAGE LIABILITY. Burlington Insurance Company 398BG02530 LIMITS General Aggregate Limit $2,000,000 Products/Completed Operations Aggregate Limit Included Personal/Advertising Injury Limit $1,000,000 Each Occurrence $1,000,000 Fire Damage Limit - Any One Fire $100,000 Medical Expense Limit - Any One Person $10,0o0 Deductible Per Occurrence: $5,000 Premium Basis: Based on Annual Estimated Guard Payroll: $800,000 InitialX AA This General Liability policy is audltable: Audit will occur 30 to 60 days after the expiration. Claims & Loss History have no bearing on the audit process. Initial X AA nn�wt, F P, GLGldnrac% RIAMaM9em nt Anaysl Minimum Earned Premium: 25% of Minimum Premium If cancelled within the 1st 90 days, otherwise Pro Rate (except for that portion of the premium shown In the policy as fully earned) Premium Subject to Audit: Yes Premium is adjustable (with the exception of Flat Premium items) Based on a composite rate of: 93.7500 Per $1000 Payroll. Estimated Payroll: $ 800,000 Applies to: Exposure is subject to audit and will be calculated in accordance with ISO Commercial Lines Manual Rule 24, Basis of Premium. If the actual exposure Is greater than the estimated exposure the insured will owe additional premium, unless othenwise specified In this quote. Premium Payment Terms: Annual Pay Down Payment: 100% Premium Payment is due: Upon receipt of the premium accounting statement BG-G-004 03 17 Exclusion - Lead Substance BG-G-005 03 17 Exclusion - Punitive Damages BG-G-007 03 17 Exclusion - Asbestos, Silica BG-G-119 03 17 Definition - Employee BG-G-345 06 19 Condo or Tract Home Exclusion 13G-G-446-ST 03 17 Amendment - Insuring Agreement CG 00 01 04 13 General Liability Coverage Form CG 20 01 04 13 Primary And Noncontributory CG 20 26 04 13 Addl Insured - Designated (Blanket Wording Applies) CG 21 32 05 09 Communicable Disease Exclusion CG 21 36 03 05 Exclusion -- New Entities CG 21 47 12 07 Employment Practices Exclusion CG 21 54 01 96 Exclusion - Designated Operations CG 21 67 12 04 Fungi or Bacteria Exclusion CG 21 86 12 04 Exclusion - EIFS Risk Mamaii m iWalmt ♦.: p's.,.l A MIEWm&APPRD Mar , fm+ewP, RIA Manasgrnlenl Analyst CG 22 29 11 85 Exclusion - Property Entrusted CG 24 04 05 09 Waiver Of Rights Of Recovery (Blanket Wording Applies) D-2 01 20 California Surplus Lines Notice GSG-G-021 03 17 Exclusion - Intellectual Properties IFG-G-0002-DL 05 03 General Liability Declarations IFG-G-0052 03 17 Deductible Liability insurance IFG-G-0088 04 19 Total Pollution Exclusion IFG-G-0093 03 17 Exclusion - Cross Suits NI v NI IFG-G-0105 03 17 Exclusion - Professional Liability IFG-G-0194 01 20 Excl-Confid Info & Comp Syst Liab IFG-G-0201 03 17 Exclusion - Aircraft, Auto Or Watercraft IFG-G-0240 03 17 Exclusion - Canines, Firearms, Or Incapacitating Devices IFG-1-0002 06 20 Policy Cover Page IFG-I-0101 03 18 Common Policy Declarations IFG-1-0140 10 02 Supplemental Schedule of Locations IFG-1-0150 03 03 Llsting of Forms and Endts IFG-1-0162 09 09 Composite Rate Endorsement IFG-1-0155 11 00 Amendment -Cancellation Notice IFG-1-0168 03 17 Minimum Premium IFG-1-0408 01 17 CA Service of Suit Amendment IL 00 17 1198 Common Policy Conditions IL 0021 09 08 Nuclear Energy Liability Exclusion IL P 001 01 04 OFAC - Notice to Policyholder "More details applicable to the exclusions andlor limitations asterisked above are provided below: CG 21 54 01 96 - All locations where you perform or have performed work that is or was to be insured under a consolidated (wrap-up) insurance program as described below. ­.._.,._.--------- ...... .__._.__.______. Special Olsclosure on Terrorlsm ToApollcant: Under the Terrorism Risk Insurance Act, as amended (TRIA), the applicant has the right to purchase Terrorism coverage. Additional premium would be 5 % of the premium shown on Page 1 or $260, whichever is greater. The premium for Terrorism Is flat, fully earned. Per Terrorism Risk Insurance Act, as amended (TRIA), the United States Government generally reimburses a share of losses caused by certified sets of terrorism. THIS 1S TO ADVISE THE APPLICANT THAT THE TERRORISM RISK INSURANCE ACT, AS AMENDED, CONTAINS A $100 BILLION CAP THAT LIMITS U.S. GOVERNMENT REIMBURSEMENT AS WELL AS INSURERS' LIABILITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM WHEN THE AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS $100 BILLION. IF THE AGGREGATE INSURED LOSSES FOR ALL INSURER YOUR COVERAGE MAY BE REDUCED. RAMxn n�u�km + —' R � 811 . 5• REmEvmD&APPRDVW8Y.' v ,1 pv', C6 •a z V&"' Risk Mana9entent Anayst