Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
ADR SERVICES, INC.
INSURANCE NOT ON FILE N-2022-051 WORK MAY NOT PROCEED ALERK OF COUNCIL DATE: MR 0 1 721 AGREEMENT BETWEEN THE CITY OF SANTA ANA AND ADR SERVICES, INC. TO PROVIDE ADMINISTRATIVE O, P aA A,rw `e,( ?o r(,es� �HEARING OFFICER SERVICES THIS AGREEMENT is made and entered into on this A;� day of February, 2022 by and between ADR Services, Inc., ("Contractor"), 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"). City and Contractor are sometimes hereinafter individually referred to as a "Party" and collectively referred to as "Parties." RECITALS A. The City desires to retain an administrative hearing officer having special skill and knowledge to serve as a neutral administrative hearing officer and provide on -call professional administrative hearing services for the City. B. Contractor represents that Contractor is able and willing to provide such services to the City. C. In undertaking the performance of this Agreement, Contractor represents that it is knowledgeable in its field and that any services performed by Contractor under this Agreement will be performed in compliance with such standards as may reasonably be expected from a professional consulting firm in the field. NOW THEREFORE, in consideration of the mutual and respective promises, and subject to the terms and conditions hereinafter set forth, the parties agree as follows: 1. SCOPE OF SERVICES Contractor shall perform during the term of this Agreement, the tasks and obligations including all labor, materials, tools, equipment, and incidental customary work required to fully and adequately complete the administrative hearing services requested by the City and any additional services as may be mutually agreed upon by the Parties. The Parties agree that the administrative hearing will be conducted via Zoom. 2. COMPENSATION a. City agrees to pay, and Contractor agrees to accept as total payment for its services for City, the rates and charges identified in Compensation - Exhibit A. City agrees to compensate Contractor, and Contractor agree to accept from City, as and for payment in full for all services for the foregoing services, at the hourly rate of $650. The total amount to be expended during the term of this Agreement shall not exceed $20,000. b. Payment by City shall be made within forty-five (45) days following receipt of proper invoice evidencing work performed, subject to City accounting procedures. Payment need not be made for work which fails to meet the standards of performance set forth in the Recitals which may reasonably be expected by City. 3. TERM This Agreement shall commence on "the date first written above" for a three (3) month term, unless terminated earlier in accordance with Section 15, below. 4. INDEPENDENT CONTRACTOR Contractor shall, during the entire term of this Agreement, be construed to be an independent Contractor and not an employee of the City. This Agreement is not intended nor shall it be construed to create an employer -employee relationship, a joint venture relationship, or to allow the City to exercise discretion or control over the professional manner in which Contractor performs the services which are the subject matter of this Agreement; however, the services to be. provided by Contractor shall be provided in a manner consistent with all applicable standards and regulations governing such services. Contractor shall pay all salaries and wages, employer's social security taxes, unemployment insurance and similar taxes relating to employees and shall be responsible for all applicable withholding taxes. 5. OWNERSHIP OF MATERIALS This Agreement creates a lion -exclusive and perpetual license for City to copy, use, modify, reuse, or sublicense any and all copyrights, designs, and other intellectual property embodied in plans, specifications, studies, drawings, estimates, and other documents or works of authorship fixed in any tangible medium of expression, including but not limited to, physical drawings or data magnetically or otherwise recorded on computer diskettes, which are prepared or caused to be prepared by Contractor under this Agreement ("Documents & Data"). Contractor shall require all subcontractors to agree in writing that City is granted a non-exclusive and perpetual license for any Documents & Data the subcontractor prepares under this Agreement. Contractor represents and warrants that Contractor has the legal right to license any and all Documents & Data. Contractor makes no such representation and warranty in regard to Documents & Data which were provided.to Contractor by the City. City shall not be limited in any way in its use of the Documents and Data at any time, provided that any such use not within the purposes intended by this Agreement shall be at City's sole risk. 6. INSURANCE Prior to undertaking performance of work under this Agreement, Contractor shall maintain and shall require its subcontractors, if any, to obtain and maintain insurance as described below: a. Minimum Scope and Limit of Insurance 1. Commercial General Liability (CGL): Insurance Services Office Form CG 00 01 covering CGL on an "occurrence" basis, including products and completed operations, property damage, bodily injury and personal & advertising injury with limits no less than $1,000,000 per occurrence.. If general aggregate limit applies, either the general aggregatelimit shall apply separately to this project/location (ISO CG 25 03 or 25 04) or the general aggregate limit shall be twice the required occurrence limit. 0 2. Workers' Compensation: as required by the State of California, with Statutory Limits, and Employer's Liability Insurance with limit of no less than $1,000,000 per accident for bodily injury or disease. Professional Liability (Errors & Omissions): Contractor is required to carry insurance appropriate to Contractor's profession, with a combined single limit of not less than $2,000,000 per claim with $2,000,000 in the aggregate. 4. Broader Coverage: if Contractor maintains broader coverage and/or higher limits than the minimums shown above, the City requires and shall be entitled to the broader coverage and/or the higher limits maintained by Contractor. Any available insurance proceeds in excess of the specified minimum limits of insurance and coverage shall be available to the City. b. Other Insurance Provisions 1.. Primary Coverage: For any claims related to this contract, Contractor's insurance coverage shall be primary coverage at least as broad as ISO CG tp 20 01 04 13 as respects the City, its officers, officials, employees, and volunteers. Any insurance or self-insurance maintained by the City, its officers, officials, employees, or volunteers shall be excess of Contractor's insurance and shall not contribute with it. 2. Notice of Cancellation: Each insurance policy required above shall provide that coverage shall not be canceled, except with notice to the City. Waiver of Subrogation: Contractor hereby grants to City a waiver of any right to subrogation that any insurer of said Contractor may acquire against the City by virtue of the payment of any loss under such insurance. Contractor agrees to obtain any endorsement that may be necessary to affect this waiverof subrogation, but this provision applies regardless of whether or not the City has received a waiver of subrogation endorsement from the insurer. 4. Self-insuredRetentions: Self -insured retentions must be declared to and approved bythe City. The City may require Contractor to purchase coverage with a lower retention or provide proof of ability to pay losses and related investigations, claim administration, and defense expenses within the retention. The policy language shall provide, or be endorsed to provide, that the self -insured retention may be satisfied by either the named 'insured or City. Acceptability of Insurers: Insurance is to be placed with insurers authorized to conduct business in the state with a current A.M. Best's rating of no less than A: Vil, unless otherwise acceptable to the City. 6. Verification of Coverage: Contractor shall furnish the City with original Certificates of Insurance including all required amendatory endorsements (or copies of the applicable policy language effecting coverage requiredby this clause) and a copy of the Declarations and Endorsement Page of the CGL policy listing allpolicy endorsements to City before work begins. However, failure to obtain the required documents prior to the work beginning shall not waive Contractor's obligation to provide them. The City reserves the right to require complete, certified copies of all required insurance policies, including endorsements required by these specifications, at any time. Subcontractors: Contractor shall require and verify that all subcontractors maintain insurance meeting all the requirements stated herein, and Contractor shall ensure that City is an additional insured on insurance required from subcontractors. Special Risks or Circumstances: City reserves the right to modify these requirements, including limits, based on the nature of the risk, prior experience, insurer, coverage, or other special circumstances. 7. INDEMNIFICATION Contractor agrees to defend, and shall indemnify and hold harmless the City, its officers, agents, employees, contractors, special counsel, and representatives from liability: (1) for personal injury, damages, just compensation, restitution, judicial or equitable relief arising out of claims for personal injury, including death, and claims for property damage, which may arise from the negligent operations of the Contractor, its subcontractors, agents, employees, or other persons acting on its behalf which relates to the services described in section 1 of this Agreement; and (2) from any claim that personal injury, damages, just compensation, restitution, judicial or equitable relief is due by reason of the terns of or effects arising from this Agreement. This indemnity and hold harmless agreement applies to all claims for damages, just compensation, restitution, judicial or equitable relief suffered, or alleged to have been suffered, by reason of the events referred to in this Section or by reason of the terms of, or effects, arising from this Agreement. The Contractor further agrees to indemnify, hold harmless, and pay all costs for the defense of the City, including fees and costs for special counsel to be selected by the City, regarding any action by a third party challenging the validity of this Agreement, or asserting that personal injury, damages, just compensation, restitution, judicial or equitable relief due to personal or property rights arises by reason of the terns of, or effects arising from this Agreement. City may make all reasonable decisions with respect to its representation in any legal proceeding. Notwithstanding the foregoing, to the extent Contractor's services are subject to Civil Code Section 2782.8, the above indemnity shall be limited, to the extent required by Civil Code Section 2782.8, to claims that arise out of, pertain to, or relate to the negligence, recklessness, or willful misconduct of the Contractor. a t 8. INTELLECTUAL PROPERTY INDEMNIFICATION Contractor shall defend and indemnify the City, its officers, agents, representatives, and employees against any and all liability, including costs, for infringement of any United States' letters patent, trademark, or copyright infringement, including costs, contained in the work product or documents provided by Contractor to the City pursuant to this Agreement. 9. RECORDS Contractor shall keep records and invoices in connection with the work to be performed Linder this Agreement. Contractor shall maintain complete and accurate records with respect to the costs incurred raider this Agreement and any services, expenditures, and disbursements charged to the City for a minimum period of three (3) years, or for any longer period required by law, from the date of final payment to Contractor under this Agreement. All such records and invoices shall be clearly identifiable. Contractor shall allow a representative of the City to examine, audit, and make transcripts or copies of such records and any other documents created pursuant to this Agreement during regular business hours. Contractor shall allow inspection of all work, data, documents, proceedings, and activities related to this Agreement for a period of three (3) years from the date of final payment to Contractor Linder this Agreement. 10. CONFIDENTIALITY If Contractor receives from the City information which due to the nature of such information is reasonably understood to be confidential and/or proprietary, Contractor agrees that it shall not use or disclose such information except in the performance of this Agreement, and further agrees to exercise the same degree of care it uses to protect its own information of like importance, but in no event less than reasonable care. "Confidential .Information" shall include all nonpublic information. Confidential information includes not only written information, but also information transferred orally, visually, electronically, or by other means. Confidential information disclosed to either party by any subsidiary and/or agent of the other party is covered by this Agreement. The foregoing obligations of non-use and nondisclosure shall not apply to any information that (a) has been disclosed in publicly available sources; (b) is, through no fault of the Contractor disclosed in a publicly available source; (c) is in rightful possession of the Contractor without an obligation of confidentiality; (d) is required to be disclosed by operation of law; or (e) is independently developed by the Contractor without reference to information disclosed by the City. 11. CONFLICT OF INTEREST CLAUSE Contractor covenants that it presently has no interests and shall not have interests, direct or indirect, which would conflict in any manner with performance of services specified under this Agreement. 1M 12. NON-DISCRIMINATION Contractor shall not discriminate because of race, color, creed, religion, sex, marital status, sexual orientation, gender identity, gender expression, gender, medical conditions, genetic information, or military and veteran status, age, national origin, ancestry, or disability, as defined and prohibited by applicable law, in the recruitment, selection, teaching, training, utilization, promotion, termination or other employment related activities or any services provided under this Agreement. Contractor affirms that it is an equal opportunity employer and shall comply with all applicable federal, state and local laws and regulations. 13. EXCLUSIVITY AND AMENDMENT This Agreement represents the complete and exclusive statement between the City and Contractor, and supersedes any and all other agreements, oral or written, between the parties. In the event of a conflict between the terms of this Agreement and any attachments hereto, the terms of this Agreement shall prevail. This Agreement may not be modified except by written instrument signed by the City and by an authorized representative of Contractor. The parties agree that any terms or conditions of any purchase order or other instrument that are inconsistent with, or in addition to, the terms and conditions hereof, shall not bind or obligate Contractor or the City. Each party to this Agreement acknowledges that no representations, inducements, promises or agreements, orally or otherwise, have been made by any party, or anyone acting on behalf of any party, which is not embodied herein. 14. ASSIGNMENT Inasmuch as this Agreement is intended to secure the specialized services of Contractor, Contractor may not assign, transfer, delegate, or subcontract any interest herein without the prior written consent of the City and any such assignment, transfer, delegation or subcontract without the City's prior written consent shall be considered null and void. Nothing in this Agreement shall be construed to limit the City's ability to have any of the services which are the subject to this Agreement performed by City personnel or by other Contractors retained by City. 15. TERMINATION This Agreement maybe terminated by the City upon thirty (30) days written notice of termination. In such event, Contractor shall be entitled to receive and the City shall pay Contractor compensation for all services performed by Contractor prior to receipt of such notice of termination, subject to the following conditions: a. As a condition of such payment, the Executive Director may require Contractor to deliver to the City all work product(s) completed as of such date, and in such case such work product shall be the property of the City unless prohibited by law, and Contractor consents to the City's use thereof for such purposes as the City deems appropriate. b. Payment need not be made for work which fails to meet the standard of performance specified in the Recitals of this Agreement. 16. WAIVER No waiver of breach, failure of any condition, or any right or remedy contained in or granted by the provisions of this Agreement shall be effective unless it is in writing and signed by the party waiving the breach, failure, right or remedy. No waiver of any breach, failure or right, or remedy shall be deemed a waiver of any other breach, failure, right or remedy, whether or not similar, nor shall any waiver constitute a continuing waiver unless the writing so specifies. 17. JURISDICTION - VENUE This Agreement has been executed and delivered in the State of California and the validity, interpretation, performance, and enforcement of any of the clauses of this Agreement shall be determined and governed by the laws of the State of California. Both parties further agree that Orange County, California, shall be the venue for any action or proceeding that may be brought or arise out of, in connection with or by reason of this Agreement. 18. PROFESSIONAL LICENSES Contractor shall, throughout the term of this Agreement, maintain all necessary licenses, permits, approvals, waivers, and exemptions necessary for the provision of the services hereunder and required by the laws and regulations of the United States, the State of California, the City of Santa Ana and all other governmental agencies. Contractor shall notify the City immediately and in writing of its inability to obtain or maintain such permits, licenses, approvals, waivers, and exemptions. Said inability shall be cause for termination of this Agreement. 19. NOTICE Any notice, tender, demand, delivery, or other communication pursuant to this Agreement shall be in writing and shall be deemed to be properly given if delivered in person or mailed by first class or certified mail, postage prepaid, or sent by fax or other telegraphic communication in the manner provided in this Section, to the following persons: To City: Clerk of the City Council City of Santa Ana 20 Civic Center Plaza (M-30) P.O. Box 1988 Santa Ana, CA 92702-1988 Pax: 714- 647-6956 With courtesy copies to: Executive Director, Planning and Building Agency City of Santa Ana 20 Civic Center Plaza (M-20) P.O. Box 1988 Santa Ana, California 92702 0 To Contractor: Megan Nomura Manager ADR Services, Inc. 19000 MacArthur Boulevard, Suite 550, Irvine, California 92612 communication shall be addressed and transmitted to the new address, If sent by mail, communication shall be effective or deemed to have been given three (3) days after it has been deposited in the United States mail, duly registered or certified, with postage prepaid, and addressed asset forth above. If sent by fax, communication shall be effective or deemed to have been given twenty-four (24) hours after the time set forth on the transmission report issued by the transmitting facsimile machine, addressed as set forth above. For purposes of calculating these time frames, weekends, federal, state, County or City holidays shall. be excluded. 20. MISCELLANEOUS PROVISIONS a. Each undersigned represents and warrants that its signature herein below has the power, authority and right to bind their respective parties to each of the terms of this Agreement, and shall indemnify City fully, including reasonable costs and attorney's fees, for any injuries or damages to City in the event that such authority or power is not, in fact, held by the signatory or is withdrawn. b. The Agreement is the final and complete agreement and any prior or contemporaneous agreements for sunilur services between the parties .is superseded by this Agreement. This shall not apply where the Parties are currently engaged and Contractor is providing set -vices not contemplated by this Agreement C. All Exhibits referenced herein and attached hereto shall be incorporated as if fully set forth in the body of this Agreement. M [Signatures on the following page] 12 s 9 N-2022-051 IN WITNESS WHEREOF, the parties hereto have executed this Agreement the date and year first above written. ATTEST: 141, �, r::�lerk of the Council APPROVED AS TO FORM: SONIA R. CARVALHO City Attorney By: Jose Montoya Assistant City Attorney RECOMMENDED FOR APPROVAL: c --.-4 ! - Minh Thai Executive Director Planning and Building Agency CITY OF SANTA ANA Kristine Ridge City Manager CONTRACTOR: Lucie Barron President SERVICES, INC. EXHIBIT A - COMPENSATION HON. DAVID R. CHAFFEE Fee Schedule Judge Chaffee is an independent contractor and sets his own rates. Haeh party will be assigned a pferated shfffe of the fees, shaR be petid in advanee of the hearing date. Sueh fees -will be the jeiflt and sevefal abligation of all eounsel. Please ftate HEARING FEES Arbitration, Discovery & Judicial Reference, Private Trial, Special Master, and Appraisal Hourly Rate* $650 *In addition to Administrative Fees listed below Mediation, Early Neutral Evaluation, and Consultation Half Day Rate* $3,250 Full Day Rate* $6,500 Includes up to 4 hours of hearing time on the scheduled day and Includes up to 8 hours of hearing time on the scheduled day and up to 1 'hour of preparation time up to 21 hours of preparation time * In addition to Administrative Fees listed below. if the neutral tPreparation time increases with participation of additional parties expends additional time, the parties will be billed accordingly. Fees for unused time will not be refunded. ADMINISTRATIVE FEES For mediations, ADR Services, Inc. 's Non -Refundable Administrative Fee is assessed once a hearing has been scheduled in the case. For all other matters, including arbitrations, references, private trials, special masters and appraisals, ADR Services, Inc.'s Non -Refundable Administrate Fee is assessed when the matter is first initiated. Each party is responsible for this fee, even in the event of a timely cancellation. The fee includes, but is not limited to, access to an exclusivepanel of ADR professionals, use of our bespoke case management software service, ADRS Case Management System, document handling, dedicated case management services throughout the duration of the case, and use of our conference rooms and business facilities. MEDIATION....................................................................................................... $250.00 per party ARBITRATION.................................................................................................. $500.00 per party DISCOVERY & JUDICIAL REFERENCE.................................................................. $500.00 per party PRIVATETRIAL.................................................................................................. $500.00 per party SPECIAL MASTER / APPRAISALS......................................................................... $500.00 per party EARLY NEUTRAL EVALUATION / CONSULTATION................................................... $250.00 per party INITIAL FILING FEE (Demand for Arbitration)............................................................ $450.00 Neutrals' rates are subject to change by written notice to counsel and shall apply to all sen ices rendered after such notice is given. Effective July 15, 2021 ��,, HON. DAVID R. CHAFFEE /aD R� ij Fee Schedule CANCELLATION AND RESCHEDULING POLICY Notice of cancellation or rescheduling must be submitted to our office in writing. Fees will be billed to the requesting party unless otherwise agreed upon. Half Day Hearing 4 hours or less) Full Day Hearing Multi Day Hearings* Notice of 14 days or less Full Payment Required Full Payinent Required Full Payment Required Notice of 15 — 30 days $0 $0 Full Payment Required Notice of 31 days or more $0 $0 $0 *Please note that all fees for multiple day hearings are due 60 days in advance. We are happy to assist counsel with rescheduling a hearing. If appropriate notice is given, there is no continuance fee for the fast rescheduling. For the second rescheduling and thereafter, if appropriate notice is provided, a $100 continuance fee is billed per change. Neutrals' rates are subject to change by written notice to counsel and shall apply to all services rendered after such notice is given. Effective July 15, 2021 Ejhjubmmz!tjhofe! ADRSERV-01BMITROSILIS Bohjf! cz!Bohjf!Bdfwfep! DATE(MM/DD/YYYY) CERTIFICATEOFLIABILITYINSURANCE Ebuf;!3133/14/22! 3/8/2022 Bdfwfep THISCERTIFICATEISISSUEDASAMATTEROFINFORMATIONONLYANDCONFERSNORIGHTSUPONTHECERTIFICATEHOLDER.THIS 27;69;36!.19(11( CERTIFICATEDOESNOTAFFIRMATIVELYORNEGATIVELYAMEND,EXTENDORALTERTHECOVERAGEAFFORDEDBYTHEPOLICIES BELOW.THISCERTIFICATEOFINSURANCEDOESNOTCONSTITUTEACONTRACTBETWEENTHEISSUINGINSURER(S),AUTHORIZED REPRESENTATIVEORPRODUCER,ANDTHECERTIFICATEHOLDER. IMPORTANT:IfthecertificateholderisanADDITIONALINSURED,thepolicy(ies)musthaveADDITIONALINSUREDprovisionsorbeendorsed. IfSUBROGATIONISWAIVED,subjecttothetermsandconditionsofthepolicy,certainpoliciesmayrequireanendorsement.Astatementon thiscertificatedoesnotconferrightstothecertificateholderinlieuofsuchendorsement(s). CONTACT License#0633339 PRODUCER NAME: PHONEFAX OlsonDuncanInsuranceServiceInc. (310)373-6441(310)378-5336 (A/C,No,Ext):(A/C,No): 25550HawthorneBlvd.Suite203 E-MAIL ins@olsonduncan.com Torrance,CA90505 ADDRESS: INSURER(S)AFFORDINGCOVERAGENAIC# SentinelInsuranceCompanyLTD11000 INSURERA: INSURED EmployersCompInsCo11512 INSURERB: INSURERC: ADRServices,Inc. 1900AvenueoftheStars#200 INSURERD: LosAngeles,CA90067 INSURERE: INSURERF: COVERAGESCERTIFICATENUMBER:REVISIONNUMBER: THISISTOCERTIFYTHATTHEPOLICIESOFINSURANCELISTEDBELOWHAVEBEENISSUEDTOTHEINSUREDNAMEDABOVEFORTHEPOLICYPERIOD INDICATED.NOTWITHSTANDINGANYREQUIREMENT,TERMORCONDITIONOFANYCONTRACTOROTHERDOCUMENTWITHRESPECTTOWHICHTHIS CERTIFICATEMAYBEISSUEDORMAYPERTAIN,THEINSURANCEAFFORDEDBYTHEPOLICIESDESCRIBEDHEREINISSUBJECTTOALLTHETERMS, EXCLUSIONSANDCONDITIONSOFSUCHPOLICIES.LIMITSSHOWNMAYHAVEBEENREDUCEDBYPAIDCLAIMS. INSRADDLSUBRPOLICYEFFPOLICYEXP TYPEOFINSURANCEPOLICYNUMBERLIMITS LTRINSDWVD(MM/DD/YYYY)(MM/DD/YYYY) 2,000,000 A COMMERCIALGENERALLIABILITY X EACHOCCURRENCE$ DAMAGETORENTED 100,000 CLAIMS-MADEOCCUR X 72SBANK42238/30/20218/30/2022 $ PREMISES(Eaoccurrence) 10,000 MEDEXP(Anyoneperson)$ 2,000,000 PERSONAL&ADVINJURY$ 4,000,000 GEN'LAGGREGATELIMITAPPLIESPER:GENERALAGGREGATE$ PRO- 4,000,000 X POLICYLOC PRODUCTS-COMP/OPAGG$ JECT OTHER:$ COMBINEDSINGLELIMIT 2,000,000 A AUTOMOBILELIABILITY $ (Eaaccident) ANYAUTO 72SBANK42238/30/20218/30/2022 BODILYINJURY(Perperson)$ OWNEDSCHEDULED AUTOSONLYAUTOSBODILYINJURY(Peraccident)$ PROPERTYDAMAGE HIREDNON-OWNED XX (Peraccident)$ AUTOSONLYAUTOSONLY $ 1,000,000 A XX UMBRELLALIABOCCUR EACHOCCURRENCE$ 72SBANK42238/30/20218/30/2022 1,000,000 EXCESSLIABCLAIMS-MADE AGGREGATE$ 10,000 X DEDRETENTION$ $ PEROTH- WORKERSCOMPENSATION B X STATUTEER ANDEMPLOYERS'LIABILITY Y/N EIG2832016024/15/202110/1/2021 1,000,000 ANYPROPRIETOR/PARTNER/EXECUTIVE E.L.EACHACCIDENT$ N/A OFFICER/MEMBEREXCLUDED? 1,000,000 (MandatoryinNH) E.L.DISEASE-EAEMPLOYEE$ Ifyes,describeunder 1,000,000 DESCRIPTIONOFOPERATIONSbelowE.L.DISEASE-POLICYLIMIT$ DESCRIPTIONOFOPERATIONS/LOCATIONS/VEHICLES(ACORD101,AdditionalRemarksSchedule,maybeattachedifmorespaceisrequired) CertificateholderisanAdd'lInsuredCAperformSS00080405ifrequiredbywrittencontractoragreement. InsuredhasProfessionalLiabilityInsuranceasfollows: AlliedWorldInsurance,policy#0312-3517,policyperiod:5/17/21-22 $3,000,000EachClaim $3,000,000Aggregate $50,000Retention SEEATTACHEDACORD101 CERTIFICATEHOLDERCANCELLATION SHOULDANYOFTHEABOVEDESCRIBEDPOLICIESBECANCELLEDBEFORE THEEXPIRATIONDATETHEREOF,NOTICEWILLBEDELIVEREDIN CityofSantaAna ACCORDANCEWITHTHEPOLICYPROVISIONS. RiskManagementDivision 20CivicCenterPlaza AUTHORIZEDREPRESENTATIVE SantaAna,CA92702 ACORD25(2016/03)©1988-2015ACORDCORPORATION.Allrightsreserved. TheACORDnameandlogoareregisteredmarksofACORD ADRSERV-01BMITROSILIS AGENCYCUSTOMERID: 1 LOC#: Pageof 11 ADDITIONALREMARKSSCHEDULE License#0633339 AGENCYNAMEDINSURED ADRServices,Inc. OlsonDuncanInsuranceServiceInc. 1900AvenueoftheStars#200 LosAngeles,CA90067 POLICYNUMBER SEEPAGE1 CARRIERNAICCODE SEEPAGE1SEEP1 EFFECTIVEDATE: SEEPAGE1 ADDITIONALREMARKS THISADDITIONALREMARKSFORMISASCHEDULETOACORDFORM, ACORD25CertificateofLiabilityInsurance FORMNUMBER:FORMTITLE: DescriptionofOperations/Locations/Vehicles: Policytermsapply. ACORD101(2008/01) ©2008ACORDCORPORATION.Allrightsreserved. TheACORDnameandlogoareregisteredmarksofACORD BUSINESSLIABILITYCOVERAGEFORM FormSS00080405 ©2005,TheHartford QUICKREFERENCE BUSINESSLIABILITYCOVERAGEFORM READYOURPOLICYCAREFULLY BUSINESSLIABILITYCOVERAGEFORM BeginningonPage A.COVERAGES 1 1 BusinessLiability 2 MedicalExpenses 2 CoverageExtension-SupplementaryPayments B.EXCLUSIONS 3 C.WHOISANINSURED 10 D.LIABILITYANDMEDICALEXPENSES LIMITSOFINSURANCE 14 E.LIABILITYANDMEDICALEXPENSESGENERALCONDITIONS 15 1.15 Bankruptcy 2.15 DutiesInTheEventOfOccurrence,Offense,ClaimOrSuit 3.16 FinancialResponsibilityLaws 4.16 LegalActionAgainstUs 5.SeparationOfInsureds16 6.Representations16 7.OtherInsurance16 8.17 TransferOfRightsOfRecoveryAgainstOthersToUs F.OPTIONALADDITIONALINSUREDCOVERAGES 18 18 AdditionalInsureds G.LIABILITYANDMEDICALEXPENSESDEFINITIONS 20 FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM Variousprovisionsinthispolicyrestrictcoverage.Readtheentirepolicycarefullytodeterminerights,dutiesandwhat isandisnotcovered. Throughoutthispolicythewords"you"and"your"refertotheNamedInsuredshownintheDeclarations.Thewords "we","us"and"our"refertothestockinsurancecompanymemberofTheHartfordprovidingthisinsurance. C Theword"insured"meansanypersonororganizationqualifyingassuchunderSection.-WhoIsAnInsured. G Otherwordsandphrasesthatappearinquotationmarkshavespecialmeaning.RefertoSection.-LiabilityAnd MedicalExpensesDefinitions. (a) The"bodilyinjury"or"property A.COVERAGES damage"iscausedbyan 1.BUSINESSLIABILITYCOVERAGE(BODILY "occurrence"thattakesplaceinthe INJURY,PROPERTYDAMAGE,PERSONAL "coverageterritory"; ANDADVERTISINGINJURY) (b) The"bodilyinjury"or"property InsuringAgreement damage"occursduringthepolicy a. Wewillpaythosesumsthattheinsured period;and becomeslegallyobligatedtopayas (c) Priortothepolicyperiod,noinsured damagesbecauseof"bodilyinjury", 1. listedunderParagraphofSection "propertydamage"or"personaland C. –WhoIsAnInsuredandno advertisinginjury"towhichthisinsurance "employee"authorizedbyyoutogive applies.Wewillhavetherightanddutyto orreceivenoticeofan"occurrence" defendtheinsuredagainstany"suit" orclaim,knewthatthe"bodilyinjury" seekingthosedamages.However,wewill or"propertydamage"hadoccurred, havenodutytodefendtheinsuredagainst inwholeorinpart.Ifsuchalisted any"suit"seekingdamagesfor"bodily insuredorauthorized"employee" injury","propertydamage"or"personaland knew,priortothepolicyperiod,that advertisinginjury"towhichthisinsurance the"bodilyinjury"or"property doesnotapply. damage"occurred,thenany Wemay,atourdiscretion,investigateany continuation,changeorresumption "occurrence"oroffenseandsettleanyclaim ofsuch"bodilyinjury"or"property or"suit"thatmayresult.But: damage"duringorafterthepolicy periodwillbedeemedtohavebeen (1) Theamountwewillpayfordamagesis knownpriortothepolicyperiod. D. limitedasdescribedinSection- (2) To"personalandadvertisinginjury" LiabilityAndMedicalExpensesLimits causedbyanoffensearisingoutofyour OfInsurance;and business,butonlyiftheoffensewas (2) Ourrightanddutytodefendendswhen committedinthe"coverageterritory" wehaveuseduptheapplicablelimitof duringthepolicyperiod. insuranceinthepaymentofjudgments, c. "Bodilyinjury"or"propertydamage"willbe settlementsormedicalexpensestowhich deemedtohavebeenknowntohave thisinsuranceapplies. occurredattheearliesttimewhenany Nootherobligationorliabilitytopaysumsor 1. insuredlistedunderParagraphofSection performactsorservicesiscoveredunless C. –WhoIsAnInsuredorany"employee" explicitlyprovidedforunderCoverage authorizedbyyoutogiveorreceivenotice Extension-SupplementaryPayments. ofan"occurrence"orclaim: b. Thisinsuranceapplies: (1) Reportsall,oranypart,ofthe"bodily (1) To"bodilyinjury"and"property injury"or"propertydamage"tousor damage"onlyif: anyotherinsurer; FormSS00080405Page1of24 ©2005,TheHartford BUSINESSLIABILITYCOVERAGEFORM (2)b. ReceivesawrittenorverbaldemandorWewillmakethesepaymentsregardlessof claimfordamagesbecauseofthe"bodilyfault.Thesepaymentswillnotexceedthe injury"or"propertydamage";orapplicablelimitofinsurance.Wewillpay reasonableexpensesfor: (3) Becomesawarebyanyothermeansthat (1) "bodilyinjury"or"propertydamage"hasFirstaidadministeredatthetimeofan occurredorhasbeguntooccur.accident; d.(2) Damagesbecauseof"bodilyinjury"includeNecessarymedical,surgical,x-rayand damagesclaimedbyanypersonordentalservices,includingprosthetic organizationforcare,lossofservicesordevices;and deathresultingatanytimefromthe"bodily (3) Necessaryambulance,hospital, injury". professionalnursingandfuneral e.IncidentalMedicalMalpractice services. (1) "Bodilyinjury"arisingoutofthe 3.COVERAGEEXTENSION- renderingoforfailuretorender SUPPLEMENTARYPAYMENTS professionalhealthcareservicesasa a. Wewillpay,withrespecttoanyclaimor physician,dentist,nurse,emergency "suit"weinvestigateorsettle,orany"suit" medicaltechnicianorparamedicshall againstaninsuredwedefend: bedeemedtobecausedbyan (1) Allexpensesweincur. "occurrence",butonlyif: (2) Upto$1,000forthecostofbailbonds (a) Thephysician,dentist,nurse, requiredbecauseofaccidentsortraffic emergencymedicaltechnicianor lawviolationsarisingoutoftheuseof paramedicisemployedbyyouto anyvehicletowhichBusinessLiability providesuchservices;and Coveragefor"bodilyinjury"applies.We (b) Youarenotengagedinthe donothavetofurnishthesebonds. businessoroccupationofproviding (3) Thecostofappealbondsorbondsto suchservices. releaseattachments,butonlyforbond (2) Forthepurposeofdeterminingthe amountswithintheapplicablelimitof limitsofinsuranceforincidentalmedical insurance.Wedonothavetofurnish malpractice,anyactoromission thesebonds. togetherwithallrelatedactsor (4)Allreasonableexpensesincurredbythe omissionsinthefurnishingofthese insuredatourrequesttoassistusinthe servicestoanyonepersonwillbe investigationordefenseoftheclaimor consideredone"occurrence". "suit",includingactuallossofearnings 2.MEDICALEXPENSES upto$500adaybecauseoftimeoff InsuringAgreement fromwork. a.Wewillpaymedicalexpensesasdescribed (5)Allcoststaxedagainsttheinsuredin belowfor"bodilyinjury"causedbyan the"suit". accident: (6) Prejudgmentinterestawardedagainst (1)Onpremisesyouownorrent; theinsuredonthatpartofthejudgment wepay.Ifwemakeanoffertopaythe (2) Onwaysnexttopremisesyouownor applicablelimitofinsurance,wewillnot rent;or payanyprejudgmentinterestbasedon (3) Becauseofyouroperations; thatperiodoftimeaftertheoffer. providedthat: (7) Allinterestonthefullamountofany (1)Theaccidenttakesplaceinthe judgmentthataccruesafterentryofthe "coverageterritory"andduringthe judgmentandbeforewehavepaid, policyperiod; offeredtopay,ordepositedincourtthe partofthejudgmentthatiswithinthe (2)Theexpensesareincurredandreported applicablelimitofinsurance. touswithinthreeyearsofthedateof theaccident;and (1)(7) Anyamountspaidunderthrough abovewillnotreducethelimitsofinsurance. (3) Theinjuredpersonsubmitsto examination,atourexpense,by physiciansofourchoiceasoftenaswe reasonablyrequire. Page2of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM b. Ifwedefendaninsuredagainsta"suit"Solongastheaboveconditionsaremet, andanindemniteeoftheinsuredisalsoattorneys'feesincurredbyusinthe namedasapartytothe"suit",wewilldefenseofthatindemnitee,necessary defendthatindemniteeifallofthelitigationexpensesincurredbyusand followingconditionsaremet:necessarylitigationexpensesincurred bytheindemniteeatourrequestwillbe (1) The"suit"againsttheindemnitee paidasSupplementaryPayments. seeksdamagesforwhichtheinsured hasassumedtheliabilityoftheNotwithstandingtheprovisionsof 1.b.(b)B. indemniteeinacontractoragreementParagraphofSection– thatisan"insuredcontract";Exclusions,suchpaymentswillnotbe deemedtobedamagesfor"bodily (2) Thisinsuranceappliestosuchliability injury"and"propertydamage"andwill assumedbytheinsured; notreducetheLimitsofInsurance. (3) Theobligationtodefend,orthecostof Ourobligationtodefendaninsured's thedefenseof,thatindemnitee,has indemniteeandtopayforattorneys'fees alsobeenassumedbytheinsuredin andnecessarylitigationexpensesas thesame"insuredcontract"; SupplementaryPaymentsendswhen: (4) Theallegationsinthe"suit"andthe (1) Wehaveuseduptheapplicablelimit informationweknowaboutthe ofinsuranceinthepaymentof "occurrence"aresuchthatnoconflict judgmentsorsettlements;or appearstoexistbetweentheinterests (2) oftheinsuredandtheinterestoftheTheconditionssetforthabove,orthe indemnitee;termsoftheagreementdescribedin (6) Paragraphabove,arenolongermet. (5) Theindemniteeandtheinsuredask ustoconductandcontrolthedefense B.EXCLUSIONS ofthatindemniteeagainstsuch"suit" 1.ApplicableToBusinessLiabilityCoverage andagreethatwecanassignthe Thisinsurancedoesnotapplyto: samecounseltodefendtheinsured andtheindemnitee;and a.ExpectedOrIntendedInjury (6)Theindemnitee: (1)"Bodilyinjury"or"propertydamage" expectedorintendedfromthe (a)Agreesinwritingto: standpointoftheinsured.This (i)Cooperatewithusinthe exclusiondoesnotapplyto"bodily investigation,settlementor injury"or"propertydamage"resulting defenseofthe"suit"; fromtheuseofreasonableforceto (ii)Immediatelysenduscopiesof protectpersonsorproperty;or anydemands,notices, (2) "Personalandadvertisinginjury"arising summonsesorlegalpapers outofanoffensecommittedby,atthe receivedinconnectionwith directionoforwiththeconsentor the"suit"; acquiescenceoftheinsuredwiththe (iii)Notifyanyotherinsurerwhose expectationofinflicting"personaland coverageisavailabletothe advertisinginjury". indemnitee;and b.ContractualLiability (iv)Cooperatewithuswith (1)"Bodilyinjury"or"propertydamage";or respecttocoordinatingother (2)"Personalandadvertisinginjury" applicableinsuranceavailable totheindemnitee;and forwhichtheinsuredisobligatedtopay damagesbyreasonoftheassumptionof (b) Providesuswithwritten liabilityinacontractoragreement. authorizationto: Thisexclusiondoesnotapplytoliability (i)Obtainrecordsandother fordamagesbecauseof: informationrelatedtothe "suit";and (a) "Bodilyinjury","propertydamage"or "personalandadvertisinginjury"that (ii) Conductandcontrolthe theinsuredwouldhaveinthe defenseoftheindemniteein absenceofthecontractor such"suit". agreement;or FormSS00080405Page3of24 BUSINESSLIABILITYCOVERAGEFORM (b)(b) "Bodilyinjury"or"propertydamage"Performingdutiesrelatedtothe assumedinacontractoragreementconductoftheinsured’sbusiness,or thatisan"insuredcontract", (2) Thespouse,child,parent,brotheror providedthe"bodilyinjury"or sisterofthat"employee"asa "propertydamage"occurs (1) consequenceofabove. subsequenttotheexecutionofthe Thisexclusionapplies: contractoragreement.Solelyfor (1) Whethertheinsuredmaybeliableas thepurposeofliabilityassumedin anemployerorinanyothercapacity; an"insuredcontract",reasonable and attorneys'feesandnecessary litigationexpensesincurredbyorfor (2) Toanyobligationtosharedamages apartyotherthananinsuredare withorrepaysomeoneelsewhomust deemedtobedamagesbecauseof paydamagesbecauseoftheinjury. "bodilyinjury"or"propertydamage" Thisexclusiondoesnotapplytoliability provided: assumedbytheinsuredunderan"insured (i) Liabilitytosuchpartyfor,orfor contract". thecostof,thatparty’sdefense f.Pollution hasalsobeenassumedinthe (1) "Bodilyinjury","propertydamage"or same"insuredcontract",and "personalandadvertisinginjury" (ii) Suchattorneys'feesand arisingoutoftheactual,allegedor litigationexpensesarefor threateneddischarge,dispersal, defenseofthatpartyagainsta seepage,migration,releaseorescape civiloralternativedispute of"pollutants": resolutionproceedinginwhich (a) Atorfromanypremises,siteor damagestowhichthis locationwhichisorwasatany insuranceappliesarealleged. timeownedoroccupiedby,or c.LiquorLiability rentedorloanedtoanyinsured. "Bodilyinjury"or"propertydamage"for However,thissubparagraphdoes whichanyinsuredmaybeheldliableby notapplyto: reasonof: (i) "Bodilyinjury"ifsustainedwithin (1)Causingorcontributingtothe abuildingandcausedby intoxicationofanyperson; smoke,fumes,vapororsoot producedbyororiginatingfrom (2)Thefurnishingofalcoholicbeveragesto equipmentthatisusedtoheat, apersonunderthelegaldrinkingageor coolordehumidifythebuilding, undertheinfluenceofalcohol;or orequipmentthatisusedto (3) Anystatute,ordinanceorregulation heatwaterforpersonaluse,by relatingtothesale,gift,distributionor thebuilding'soccupantsortheir useofalcoholicbeverages. guests; Thisexclusionappliesonlyifyouareinthe (ii) "Bodilyinjury"or"property businessofmanufacturing,distributing, damage"forwhichyoumaybe selling,servingorfurnishingalcoholic heldliable,ifyouarea beverages. contractorandtheowneror d.Workers'CompensationAndSimilar lesseeofsuchpremises,siteor Laws locationhasbeenaddedtoyour Anyobligationoftheinsuredundera policyasanadditionalinsured workers'compensation,disabilitybenefits withrespecttoyourongoing orunemploymentcompensationlawor operationsperformedforthat anysimilarlaw. additionalinsuredatthat premises,siteorlocationand e.Employer’sLiability suchpremises,siteorlocation "Bodilyinjury"to: isnotandneverwasownedor (1) An"employee"oftheinsuredarising occupiedby,orrentedor outofandinthecourseof: loanedto,anyinsured,other (a) Employmentbytheinsured;or thanthatadditionalinsured;or Page4of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (iii) "Bodilyinjury"or"propertyreleasedaspartofthe damage"arisingoutofheat,operationsbeingperformed smokeorfumesfromabysuchinsured,contractoror "hostilefire";subcontractor; (b)(ii) Atorfromanypremises,siteor"Bodilyinjury"or"property locationwhichisorwasatanydamage"sustainedwithina timeusedbyorforanyinsuredorbuildingandcausedbythe othersforthehandling,storage,releaseofgases,fumesor disposal,processingortreatmentvaporsfrommaterialsbrought ofwaste;intothatbuildinginconnection withoperationsbeingperformed (c) Whichareorwereatanytime byyouoronyourbehalfbya transported,handled,stored, contractororsubcontractor;or treated,disposedof,orprocessed (iii) aswastebyorfor:"Bodilyinjury"or"property damage"arisingoutofheat, (i) Anyinsured;or smokeorfumesfroma (ii) Anypersonororganizationfor "hostilefire";or whomyoumaybelegally (e) Atorfromanypremises,siteor responsible; locationonwhichanyinsuredorany (d) Atorfromanypremises,siteor contractorsorsubcontractors locationonwhichanyinsuredor workingdirectlyorindirectlyonany anycontractorsorsubcontractors insured’sbehalfareperforming workingdirectlyorindirectlyon operationsiftheoperationsareto anyinsured'sbehalfare testfor,monitor,cleanup,remove, performingoperationsifthe contain,treat,detoxifyorneutralize, "pollutants"arebroughtonorto orinanywayrespondto,orassess thepremises,siteorlocationin theeffectsof,"pollutants". connectionwithsuchoperations (2) Anyloss,costorexpensearisingout bysuchinsured,contractoror ofany: subcontractor.However,this subparagraphdoesnotapplyto:(a)Request,demand,orderorstatutory orregulatoryrequirementthatany (i)"Bodilyinjury"or"property insuredorotherstestfor,monitor, damage"arisingoutofthe cleanup,remove,contain,treat, escapeoffuels,lubricantsor detoxifyorneutralize,orinanyway otheroperatingfluidswhichare respondto,orassesstheeffectsof, neededtoperformthenormal "pollutants";or electrical,hydraulicor mechanicalfunctions(b)Claimorsuitbyoronbehalfofa necessaryfortheoperationofgovernmentalauthorityfor "mobileequipment"oritsparts,damagesbecauseoftestingfor, ifsuchfuels,lubricantsorothermonitoring,cleaningup,removing, operatingfluidsescapefromacontaining,treating,detoxifyingor vehiclepartdesignedtohold,neutralizing,orinanyway storeorreceivethem.Thisrespondingto,orassessingthe exceptiondoesnotapplyiftheeffectsof,"pollutants". "bodilyinjury"or"property However,thisparagraphdoesnot damage"arisesoutofthe applytoliabilityfordamagesbecause intentionaldischarge,dispersal of"propertydamage"thattheinsured orreleaseofthefuels, wouldhaveintheabsenceofsuch lubricantsorotheroperating request,demand,orderorstatutoryor fluids,orifsuchfuels, regulatoryrequirement,orsuchclaim lubricantsorotheroperating or"suit"byoronbehalfofa fluidsarebroughtonortothe governmentalauthority. premises,siteorlocationwith theintentthattheybe discharged,dispersedor FormSS00080405Page5of24 BUSINESSLIABILITYCOVERAGEFORM g.Aircraft,AutoOrWatercraft(2) Theuseof"mobileequipment"in,or whileinpracticeorpreparationfor,a "Bodilyinjury"or"propertydamage"arising prearrangedracing,speedor outoftheownership,maintenance,useor demolitioncontestorinanystunting entrustmenttoothersofanyaircraft,"auto" activity. orwatercraftownedoroperatedbyorrented i.War orloanedtoanyinsured.Useincludes operationand"loadingorunloading". "Bodilyinjury","propertydamage"or Thisexclusionapplieseveniftheclaims "personalandadvertisinginjury",however againstanyinsuredallegenegligenceor caused,arising,directlyorindirectly,outof: otherwrongdoinginthesupervision,hiring, (1) War,includingundeclaredorcivilwar; employment,trainingormonitoringofothers (2) Warlikeactionbyamilitaryforce, bythatinsured,ifthe"occurrence"which includingactioninhinderingor causedthe"bodilyinjury"or"property defendingagainstanactualor damage"involvedtheownership, expectedattack,byanygovernment, maintenance,useorentrustmenttoothersof sovereignorotherauthorityusing anyaircraft,"auto"orwatercraftthatis militarypersonnelorotheragents;or ownedoroperatedbyorrentedorloanedto (3) Insurrection,rebellion,revolution, anyinsured. usurpedpower,oractiontakenby Thisexclusiondoesnotapplyto: governmentalauthorityinhinderingor (1) Awatercraftwhileashoreonpremises defendingagainstanyofthese. youownorrent; j.ProfessionalServices (2) Awatercraftyoudonotownthatis: "Bodilyinjury","propertydamage"or (a) Lessthan51feetlong;and "personalandadvertisinginjury"arising outoftherenderingoforfailuretorender (b) Notbeingusedtocarrypersons anyprofessionalservice.Thisincludes foracharge; butisnotlimitedto: (3) Parkingan"auto"on,orontheways (1) Legal,accountingoradvertising nextto,premisesyouownorrent, services; providedthe"auto"isnotownedbyor rentedorloanedtoyouortheinsured; (2) Preparing,approving,orfailingto prepareorapprovemaps,shop (4) Liabilityassumedunderany"insured drawings,opinions,reports,surveys, contract"fortheownership, fieldorders,changeorders,designsor maintenanceoruseofaircraftor drawingsandspecifications; watercraft; (3) Supervisory,inspection,architectural (5) "Bodilyinjury"or"propertydamage" orengineeringactivities; arisingoutoftheoperationofanyof f.(2) theequipmentlistedinParagraph (4) Medical,surgical,dental,x-rayor f.(3) orofthedefinitionof"mobile nursingservicestreatment,adviceor equipment";or instruction; (6) Anaircraftthatisnotownedbyany (5) Anyhealthortherapeuticservice insuredandishired,charteredorloaned treatment,adviceorinstruction; withapaidcrew.However,this (6) Anyservice,treatment,adviceor exceptiondoesnotapplyiftheinsured instructionforthepurposeof hasanyotherinsuranceforsuch"bodily appearanceorskinenhancement,hair injury"or"propertydamage",whether removalorreplacementorpersonal theotherinsuranceisprimary,excess, grooming; contingentoronanyotherbasis. (7) Opticalorhearingaidservices h.MobileEquipment includingtheprescribing,preparation, "Bodilyinjury"or"propertydamage" fitting,demonstrationordistributionof arisingoutof: ophthalmiclensesandsimilar productsorhearingaiddevices; (1) Thetransportationof"mobileequipment" byan"auto"ownedoroperatedbyor rentedorloanedtoanyinsured;or Page6of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (8)(1)(3)(4) OptometryoroptometricservicesParagraphs,andofthis includingbutnotlimitedtoexaminationexclusiondonotapplyto"property oftheeyesandtheprescribing,damage"(otherthandamagebyfire)to preparation,fitting,demonstrationorpremises,includingthecontentsofsuch distributionofophthalmiclensesandpremises,rentedtoyouforaperiodof7or similarproducts;fewerconsecutivedays.AseparateLimit ofInsuranceappliestoDamageTo (9) Any: PremisesRentedToYouasdescribedin (a) Bodypiercing(notincludingear D. Section-LimitsOfInsurance. piercing); (2) Paragraphofthisexclusiondoesnot (b) Tattooing,includingbutnotlimited applyifthepremisesare"yourwork"and totheinsertionofpigmentsintoor wereneveroccupied,rentedorheldfor undertheskin;and rentalbyyou. (c) Similarservices; (3)(4) Paragraphsandofthisexclusiondo (10) Servicesinthepracticeofpharmacy; notapplytotheuseofelevators. and (3)(4)(5)(6) Paragraphs,,andofthis (11) Computerconsulting,designor exclusiondonotapplytoliabilityassumed programmingservices,includingweb underasidetrackagreement. sitedesign. (3)(4) Paragraphsandofthisexclusiondo (4)(5) Paragraphsandofthisexclusiondo notapplyto"propertydamage"to notapplytotheIncidentalMedical borrowedequipmentwhilenotbeingused Malpracticecoverageaffordedunder toperformoperationsatajobsite. 1.e.A. ParagraphinSection-Coverages. (6) Paragraphofthisexclusiondoesnot k.DamageToProperty applyto"propertydamage"includedinthe "products-completedoperationshazard". "Propertydamage"to: l.DamageToYourProduct (1) Propertyyouown,rentoroccupy, includinganycostsorexpenses "Propertydamage"to"yourproduct" incurredbyyou,oranyotherperson, arisingoutofitoranypartofit. organizationorentity,forrepair, m.DamageToYourWork replacement,enhancement, "Propertydamage"to"yourwork"arising restorationormaintenanceofsuch outofitoranypartofitandincludedinthe propertyforanyreason,including "products-completedoperationshazard". preventionofinjurytoapersonor damagetoanother'sproperty;Thisexclusiondoesnotapplyifthe damagedworkortheworkoutofwhich (2) Premisesyousell,giveawayor thedamageariseswasperformedonyour abandon,ifthe"propertydamage"arises behalfbyasubcontractor. outofanypartofthosepremises; n.DamageToImpairedPropertyOr (3) Propertyloanedtoyou; PropertyNotPhysicallyInjured (4)Personalpropertyinthecare,custody "Propertydamage"to"impairedproperty" orcontroloftheinsured; orpropertythathasnotbeenphysically (5) Thatparticularpartofrealpropertyon injured,arisingoutof: whichyouoranycontractorsor (1)Adefect,deficiency,inadequacyor subcontractorsworkingdirectlyor dangerousconditionin"yourproduct" indirectlyonyourbehalfareperforming or"yourwork";or operations,ifthe"propertydamage" (2) arisesoutofthoseoperations;orAdelayorfailurebyyouoranyone actingonyourbehalftoperforma (6) Thatparticularpartofanyproperty contractoragreementinaccordance thatmustberestored,repairedor withitsterms. replacedbecause"yourwork"was incorrectlyperformedonit.Thisexclusiondoesnotapplytotheloss ofuseofotherpropertyarisingoutof suddenandaccidentalphysicalinjuryto "yourproduct"or"yourwork"afterithas beenputtoitsintendeduse. FormSS00080405Page7of24 BUSINESSLIABILITYCOVERAGEFORM o.RecallOfProducts,WorkOrImpaired(c) Titleofanyliteraryorartisticwork; Property (8) Arisingoutofanoffensecommittedby Damagesclaimedforanyloss,costoraninsuredwhosebusinessis: (a) expenseincurredbyyouorothersfortheAdvertising,broadcasting, lossofuse,withdrawal,recall,inspection,publishingortelecasting; repair,replacement,adjustment,removal (b) Designingordeterminingcontent ordisposalof: ofwebsitesforothers;or (1) "Yourproduct"; (c) AnInternetsearch,access, (2) "Yourwork";or contentorserviceprovider. (3) "Impairedproperty"; However,thisexclusiondoesnot ifsuchproduct,workorpropertyis a.b.c. applytoParagraphs,and withdrawnorrecalledfromthemarketor underthedefinitionof"personaland fromusebyanypersonororganization G. advertisinginjury"inSection– becauseofaknownorsuspecteddefect, LiabilityAndMedicalExpenses deficiency,inadequacyordangerous Definitions. conditioninit. Forthepurposesofthisexclusion, p.PersonalAndAdvertisingInjury placingan"advertisement"foror linkingtoothersonyourwebsite,by "Personalandadvertisinginjury": itself,isnotconsideredthebusiness (1) Arisingoutoforal,writtenorelectronic ofadvertising,broadcasting, publicationofmaterial,ifdonebyorat publishingortelecasting; thedirectionoftheinsuredwith (9) Arisingoutofanelectronicchatroom knowledgeofitsfalsity; orbulletinboardtheinsuredhosts, (2) Arisingoutoforal,writtenorelectronic owns,oroverwhichtheinsured publicationofmaterialwhosefirst exercisescontrol; publicationtookplacebeforethe (10) Arisingoutoftheunauthorizeduseof beginningofthepolicyperiod; another'snameorproductinyoure-mail (3) Arisingoutofacriminalactcommitted address,domainnameormetatags,or byoratthedirectionoftheinsured; anyothersimilartacticstomislead (4) Arisingoutofanybreachofcontract, another'spotentialcustomers; exceptanimpliedcontracttouse (11)Arisingoutoftheviolationofa another’s"advertisingidea"inyour person'srightofprivacycreatedby "advertisement"; anystateorfederalact. (5) Arisingoutofthefailureofgoods, However,thisexclusiondoesnot productsorservicestoconformwith applytoliabilityfordamagesthatthe anystatementofqualityor insuredwouldhaveintheabsenceof performancemadeinyour suchstateorfederalact; "advertisement"; (12)Arisingoutof: (6) Arisingoutofthewrongdescriptionof (a)An"advertisement"forotherson thepriceofgoods,productsorservices; yourwebsite; (7) Arisingoutofanyviolationofany (b) Placingalinktoawebsiteof intellectualpropertyrightssuchas othersonyourwebsite; copyright,patent,trademark,trade name,tradesecret,servicemarkor (c) Contentfromawebsiteofothers otherdesignationoforiginor displayedwithinaframeorborder authenticity. onyourwebsite.Contentincludes information,code,sounds,text, However,thisexclusiondoesnot graphicsorimages;or applytoinfringement,inyour "advertisement",of (d) Computercode,softwareor programmingusedtoenable: (a) Copyright; (i) Yourwebsite;or (b) Slogan,unlessthesloganisalso atrademark,tradename,service (ii)Thepresentationorfunctionality markorotherdesignationoforigin ofan"advertisement"orother orauthenticity;or contentonyourwebsite; Page8of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (13)(a) Arisingoutofaviolationofanyanti-Maybeawardedorincurredby trustlaw;reasonofanyclaimorsuit allegingactualorthreatenedinjury (14) Arisingoutofthefluctuationinpriceor ordamageofanynatureorkindto valueofanystocks,bondsorother personsorpropertywhichwould securities;or nothaveoccurredinwholeorin (15) Arisingoutofdiscriminationor partbutforthe"asbestoshazard"; humiliationcommittedbyoratthe (b) Ariseoutofanyrequest,demand, directionofany"executiveofficer", orderorstatutoryorregulatory director,stockholder,partneror requirementthatanyinsuredor memberoftheinsured. otherstestfor,monitor,cleanup, q.ElectronicData remove,encapsulate,contain, Damagesarisingoutofthelossof,lossof treat,detoxifyorneutralizeorin useof,damageto,corruptionof,inability anywayrespondtoorassessthe toaccess,orinabilitytomanipulate effectsofan"asbestoshazard";or "electronicdata". (c) Ariseoutofanyclaimorsuitfor r.Employment-RelatedPractices damagesbecauseoftestingfor, monitoring,cleaningup,removing, "Bodilyinjury"or"personalandadvertising encapsulating,containing,treating, injury"to: detoxifyingorneutralizingorinany (1) Apersonarisingoutofany: wayrespondingtoorassessingthe (a) Refusaltoemploythatperson; effectsofan"asbestoshazard". (b) Terminationofthatperson's t.ViolationOfStatutesThatGovernE- employment;or Mails,Fax,PhoneCallsOrOther MethodsOfSendingMaterialOr (c) Employment-relatedpractices, Information policies,actsoromissions,suchas coercion,demotion,evaluation, "Bodilyinjury","propertydamage",or reassignment,discipline, "personalandadvertisinginjury"arising defamation,harassment,humiliation directlyorindirectlyoutofanyactionor ordiscriminationdirectedatthat omissionthatviolatesorisallegedto person;or violate: (2)Thespouse,child,parent,brotheror (1)TheTelephoneConsumerProtection sisterofthatpersonasa Act(TCPA),includinganyamendment consequenceof"bodilyinjury"or oforadditiontosuchlaw; "personalandadvertisinginjury"tothe (2)TheCAN-SPAMActof2003,including personatwhomanyofthe anyamendmentoforadditiontosuch employment-relatedpractices law;or (a)(b)(c) describedinParagraphs,,or (3) Anystatute,ordinanceorregulation, aboveisdirected. otherthantheTCPAorCAN-SPAMAct Thisexclusionapplies: of2003,thatprohibitsorlimitsthe (1) Whethertheinsuredmaybeliableas sending,transmitting,communicatingor anemployerorinanyothercapacity; distributionofmaterialorinformation. and DamageToPremisesRentedToYou– (2) Toanyobligationtosharedamages ExceptionForDamageByFire,Lightning withorrepaysomeoneelsewhomust orExplosion paydamagesbecauseoftheinjury. Exclusionsthroughandthroughdoc.h.k.o. s.Asbestos notapplytodamagebyfire,lightningor explosiontopremisesrentedtoyouor (1) "Bodilyinjury","propertydamage"or temporarilyoccupiedbyyouwithpermissionof "personalandadvertisinginjury" theowner.AseparateLimitofInsurance arisingoutofthe"asbestoshazard". appliestothiscoverageasdescribedin (2) Anydamages,judgments,settlements, D. Section-LiabilityAndMedicalExpenses loss,costsorexpensesthat: LimitsOfInsurance. FormSS00080405Page9of24 BUSINESSLIABILITYCOVERAGEFORM 2.ApplicableToMedicalExpensesCoveragee. Atrust,youareaninsured.Yourtrustees arealsoinsureds,butonlywithrespectto Wewillnotpayexpensesfor"bodilyinjury": theirdutiesastrustees. a.AnyInsured 2. Eachofthefollowingisalsoaninsured: Toanyinsured,except"volunteerworkers". a.EmployeesAndVolunteerWorkers b.HiredPerson Your"volunteerworkers"onlywhile Toapersonhiredtodoworkfororonbehalf performingdutiesrelatedtotheconductof ofanyinsuredoratenantofanyinsured. yourbusiness,oryour"employees",other c.InjuryOnNormallyOccupiedPremises thaneitheryour"executiveofficers"(ifyou Toapersoninjuredonthatpartof areanorganizationotherthana premisesyouownorrentthattheperson partnership,jointventureorlimitedliability normallyoccupies. company)oryourmanagers(ifyouarea limitedliabilitycompany),butonlyforacts d.Workers'CompensationAndSimilar withinthescopeoftheiremploymentby Laws youorwhileperformingdutiesrelatedto Toaperson,whetherornotan theconductofyourbusiness. "employee"ofanyinsured,ifbenefitsfor However,noneofthese"employees"or the"bodilyinjury"arepayableormustbe "volunteerworkers"areinsuredsfor: providedunderaworkers'compensation ordisabilitybenefitslaworasimilarlaw. (1) "Bodilyinjury"or"personaland advertisinginjury": e.AthleticsActivities (a) Toyou,toyourpartnersor Toapersoninjuredwhilepracticing, members(ifyouareapartnership instructingorparticipatinginanyphysical orjointventure),toyourmembers exercisesorgames,sportsorathletic (ifyouarealimitedliability contests. company),ortoaco-"employee" f.Products-CompletedOperationsHazard whileinthecourseofhisorher Includedwiththe"products-completed employmentorperformingduties operationshazard". relatedtotheconductofyour business,ortoyourother g.BusinessLiabilityExclusions "volunteerworkers"while ExcludedunderBusinessLiabilityCoverage. performingdutiesrelatedtothe C.WHOISANINSURED conductofyourbusiness; 1.IfyouaredesignatedintheDeclarationsas: (b)Tothespouse,child,parent, brotherorsisterofthatco- a. Anindividual,youandyourspouseare "employee"orthat"volunteer insureds,butonlywithrespecttothe worker"asaconsequenceof conductofabusinessofwhichyouarethe Paragraphabove;(1)(a) soleowner. (c)Forwhichthereisanyobligation b. Apartnershiporjointventure,youarean tosharedamageswithorrepay insured.Yourmembers,yourpartners,and someoneelsewhomustpay theirspousesarealsoinsureds,butonlywith damagesbecauseoftheinjury respecttotheconductofyourbusiness. describedinParagraphsor(1)(a) c. Alimitedliabilitycompany,youarean (b)above;or insured.Yourmembersarealsoinsureds, (d)Arisingoutofhisorherproviding butonlywithrespecttotheconductofyour orfailingtoprovideprofessional business.Yourmanagersareinsureds,but healthcareservices. onlywithrespecttotheirdutiesasyour managers. Ifyouarenotinthebusinessof providingprofessionalhealthcare d. Anorganizationotherthanapartnership, (d) services,Paragraphdoesnotapply jointventureorlimitedliabilitycompany,you toanynurse,emergencymedical areaninsured.Your"executiveofficers"and technicianorparamedicemployedby directorsareinsureds,butonlywithrespect youtoprovidesuchservices. totheirdutiesasyourofficersordirectors. Yourstockholdersarealsoinsureds,butonly (2) "Propertydamage"toproperty: withrespecttotheirliabilityasstockholders. (a) Owned,occupiedorusedby, Page10of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (b)b. Rentedto,inthecare,custodyorCoverageunderthisprovisiondoesnot controlof,oroverwhichphysicalapplyto: controlisbeingexercisedforany (1) "Bodilyinjury"or"propertydamage" purposebyyou,anyofyour thatoccurred;or "employees","volunteerworkers", (2) "Personalandadvertisinginjury" anypartnerormember(ifyouare arisingoutofanoffensecommitted apartnershiporjointventure),or beforeyouacquiredorformedthe anymember(ifyouarealimited organization. liabilitycompany). 4.OperatorOfMobileEquipment b.RealEstateManager Withrespectto"mobileequipment"registeredin Anyperson(otherthanyour"employee"or yournameunderanymotorvehicleregistration "volunteerworker"),oranyorganization law,anypersonisaninsuredwhiledrivingsuch whileactingasyourrealestatemanager. equipmentalongapublichighwaywithyour c.TemporaryCustodiansOfYour permission.Anyotherpersonororganization Property responsiblefortheconductofsuchpersonis Anypersonororganizationhavingproper alsoaninsured,butonlywithrespecttoliability temporarycustodyofyourpropertyifyou arisingoutoftheoperationoftheequipment,and die,butonly: onlyifnootherinsuranceofanykindisavailable (1) Withrespecttoliabilityarisingoutofthe tothatpersonororganizationforthisliability. maintenanceoruseofthatproperty;and However,nopersonororganizationisaninsured withrespectto: (2) Untilyourlegalrepresentativehas beenappointed. a. "Bodilyinjury"toaco-"employee"ofthe persondrivingtheequipment;or d.LegalRepresentativeIfYouDie b. "Propertydamage"topropertyownedby, Yourlegalrepresentativeifyoudie,but rentedto,inthechargeoforoccupiedby onlywithrespecttodutiesassuch.That youortheemployerofanypersonwhois representativewillhaveallyourrightsand aninsuredunderthisprovision. dutiesunderthisinsurance. 5.OperatorofNonownedWatercraft e.UnnamedSubsidiary Withrespecttowatercraftyoudonotownthat Anysubsidiaryandsubsidiarythereof,of islessthan51feetlongandisnotbeingused yourswhichisalegallyincorporatedentity tocarrypersonsforacharge,anypersonisan ofwhichyouownafinancialinterestof insuredwhileoperatingsuchwatercraftwith morethan50%ofthevotingstockonthe yourpermission.Anyotherpersonor effectivedateofthisCoveragePart. organizationresponsiblefortheconductof Theinsuranceaffordedhereinforany suchpersonisalsoaninsured,butonlywith subsidiarynotshownintheDeclarations respecttoliabilityarisingoutoftheoperation asanamedinsureddoesnotapplyto ofthewatercraft,andonlyifnoother injuryordamagewithrespecttowhichan insuranceofanykindisavailabletothat insuredunderthisinsuranceisalsoan personororganizationforthisliability. insuredunderanotherpolicyorwouldbe However,nopersonororganizationisan aninsuredundersuchpolicybutforits insuredwithrespectto: terminationorupontheexhaustionofits limitsofinsurance. a."Bodilyinjury"toaco-"employee"ofthe personoperatingthewatercraft;or 3.NewlyAcquiredOrFormedOrganization b. "Propertydamage"topropertyownedby, Anyorganizationyounewlyacquireorform, rentedto,inthechargeoforoccupiedby otherthanapartnership,jointventureor youortheemployerofanypersonwhois limitedliabilitycompany,andoverwhichyou aninsuredunderthisprovision. maintainfinancialinterestofmorethan50%of thevotingstock,willqualifyasaNamed 6.AdditionalInsuredsWhenRequiredBy InsuredifthereisnoothersimilarinsuranceWrittenContract,WrittenAgreementOr availabletothatorganization.However:Permit a. Coverageunderthisprovisionisafforded Theperson(s)ororganization(s)identifiedin onlyuntilthe180thdayafteryouacquirea.f. Paragraphsthroughbelowareadditional orformtheorganizationortheendofthe insuredswhenyouhaveagreed,inawritten policyperiod,whicheverisearlier;and FormSS00080405Page11of24 BUSINESSLIABILITYCOVERAGEFORM (e) contract,writtenagreementorbecauseofaAnyfailuretomakesuch permitissuedbyastateorpoliticalinspections,adjustments,testsor subdivision,thatsuchpersonororganizationservicingasthevendorhas beaddedasanadditionalinsuredonyouragreedtomakeornormally policy,providedtheinjuryordamageoccursundertakestomakeintheusual subsequenttotheexecutionofthecontractorcourseofbusiness,inconnection agreement,ortheissuanceofthepermit.withthedistributionorsaleofthe products; Apersonororganizationisanadditional (f) Demonstration,installation, insuredunderthisprovisiononlyforthat servicingorrepairoperations, periodoftimerequiredbythecontract, exceptsuchoperationsperformed agreementorpermit. atthevendor'spremisesin However,nosuchpersonororganizationisan connectionwiththesaleofthe additionalinsuredunderthisprovisionifsuch product; personororganizationisincludedasan (g) Productswhich,afterdistribution additionalinsuredbyanendorsementissued orsalebyyou,havebeenlabeled byusandmadeapartofthisCoveragePart, orrelabeledorusedasa includingallpersonsororganizationsadded container,partoringredientofany asadditionalinsuredsunderthespecific otherthingorsubstancebyorfor additionalinsuredcoveragegrantsinSection thevendor;or F. –OptionalAdditionalInsuredCoverages. (h) "Bodilyinjury"or"property a.Vendors damage"arisingoutofthesole Anyperson(s)ororganization(s)(referredto negligenceofthevendorforits belowasvendor),butonlywithrespectto ownactsoromissionsorthoseof "bodilyinjury"or"propertydamage"arising itsemployeesoranyoneelse outof"yourproducts"whicharedistributed actingonitsbehalf.However,this orsoldintheregularcourseofthevendor's exclusiondoesnotapplyto: businessandonlyifthisCoveragePart (i) Theexceptionscontainedin providescoveragefor"bodilyinjury"or (d)(f) Subparagraphsor;or "propertydamage"includedwithinthe "products-completedoperationshazard".(ii)Suchinspections,adjustments, testsorservicingasthevendor (1)Theinsuranceaffordedtothevendor hasagreedtomakeornormally issubjecttothefollowingadditional undertakestomakeintheusual exclusions: courseofbusiness,in Thisinsurancedoesnotapplyto: connectionwiththedistribution (a)"Bodilyinjury"or"property orsaleoftheproducts. damage"forwhichthevendoris (2) Thisinsurancedoesnotapplytoany obligatedtopaydamagesby insuredpersonororganizationfrom reasonoftheassumptionof whomyouhaveacquiredsuchproducts, liabilityinacontractoragreement. oranyingredient,partorcontainer, Thisexclusiondoesnotapplyto enteringinto,accompanyingor liabilityfordamagesthatthe containingsuchproducts. vendorwouldhaveintheabsence b.LessorsOfEquipment ofthecontractoragreement; (1) Anypersonororganizationfrom (b) Anyexpresswarranty whomyouleaseequipment;butonly unauthorizedbyyou; withrespecttotheirliabilityfor"bodily (c)Anyphysicalorchemicalchange injury","propertydamage"or intheproductmadeintentionally "personalandadvertisinginjury" bythevendor; caused,inwholeorinpart,byyour (d) Repackaging,exceptwhen maintenance,operationoruseof unpackedsolelyforthepurposeof equipmentleasedtoyoubysuch inspection,demonstration,testing, personororganization. orthesubstitutionofpartsunder instructionsfromthemanufacturer, andthenrepackagedinthe originalcontainer; Page12of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (2)e.PermitsIssuedByStateOrPolitical Withrespecttotheinsuranceafforded Subdivisions totheseadditionalinsureds,this insurancedoesnotapplytoany (1) Anystateorpoliticalsubdivision,but "occurrence"whichtakesplaceafter onlywithrespecttooperations youceasetoleasethatequipment. performedbyyouoronyourbehalffor c.LessorsOfLandOrPremises whichthestateorpoliticalsubdivision hasissuedapermit. (1) Anypersonororganizationfrom (2) whomyouleaselandorpremises,butWithrespecttotheinsuranceafforded onlywithrespecttoliabilityarisingouttotheseadditionalinsureds,this oftheownership,maintenanceoruseinsurancedoesnotapplyto: ofthatpartofthelandorpremises (a) "Bodilyinjury","propertydamage" leasedtoyou. or"personalandadvertising (2) Withrespecttotheinsuranceaffordedinjury"arisingoutofoperations totheseadditionalinsureds,thisperformedforthestateor insurancedoesnotapplyto:municipality;or (a)(b) Any"occurrence"whichtakes"Bodilyinjury"or"propertydamage" placeafteryouceasetoleasethatincludedwithinthe"products- landorbeatenantinthatcompletedoperationshazard". premises;or f.AnyOtherParty (b) Structuralalterations,new (1) Anyotherpersonororganizationwho constructionordemolition a. isnotaninsuredunderParagraphs operationsperformedbyoron e through.above,butonlywith behalfofsuchpersonor respecttoliabilityfor"bodilyinjury", organization. "propertydamage"or"personaland d.Architects,EngineersOrSurveyors advertisinginjury"caused,inwholeor inpart,byyouractsoromissionsor (1) Anyarchitect,engineer,orsurveyor,but theactsoromissionsofthoseacting onlywithrespecttoliabilityfor"bodily onyourbehalf: injury","propertydamage"or"personal andadvertisinginjury"caused,inwhole(a)Intheperformanceofyour orinpart,byyouractsoromissionsorongoingoperations; theactsoromissionsofthoseactingon (b)Inconnectionwithyourpremises yourbehalf: ownedbyorrentedtoyou;or (a)Inconnectionwithyourpremises; (c)Inconnectionwith"yourwork"and or includedwithinthe"products- (b) Intheperformanceofyourcompletedoperationshazard",but ongoingoperationsperformedbyonlyif youoronyourbehalf. (i)Thewrittencontractorwritten (2)Withrespecttotheinsuranceaffordedagreementrequiresyouto totheseadditionalinsureds,theprovidesuchcoverageto followingadditionalexclusionapplies:suchadditionalinsured;and Thisinsurancedoesnotapplyto(ii)ThisCoveragePartprovides "bodilyinjury","propertydamage"orcoveragefor"bodilyinjury"or "personalandadvertisinginjury""propertydamage"included arisingoutoftherenderingoforthewithinthe"products- failuretorenderanyprofessionalcompletedoperationshazard". servicesbyorforyou,including: (2) Withrespecttotheinsuranceafforded (a) Thepreparing,approving,ortotheseadditionalinsureds,this failuretoprepareorapprove,insurancedoesnotapplyto: maps,shopdrawings,opinions, "Bodilyinjury","propertydamage"or reports,surveys,fieldorders, "personalandadvertisinginjury" changeorders,designsor arisingoutoftherenderingof,orthe drawingsandspecifications;or failuretorender,anyprofessional (b) Supervisory,inspection,architectural,engineeringorsurveying architecturalorengineeringservices,including: activities. FormSS00080405Page13of24 BUSINESSLIABILITYCOVERAGEFORM (a) Thepreparing,approving,orThisGeneralAggregatelimitdoesnot failuretoprepareorapprove,applyto"propertydamage"topremises maps,shopdrawings,opinions,whilerentedtoyouortemporarily reports,surveys,fieldorders,occupiedbyyouwithpermissionofthe changeorders,designsorowner,arisingoutoffire,lightningor drawingsandspecifications;orexplosion. (b)3.EachOccurrenceLimit Supervisory,inspection, architecturalorengineering 2.a.2.b Subjecttoorabove,whichever activities. applies,themostwewillpayforthesumofall Thelimitsofinsurancethatapplytoadditionaldamagesbecauseofall"bodilyinjury", D. insuredsaredescribedinSection–Limits"propertydamage"andmedicalexpenses OfInsurance.arisingoutofanyone"occurrence"isthe LiabilityandMedicalExpensesLimitshownin Howthisinsuranceapplieswhenother theDeclarations. insuranceisavailabletoanadditionalinsured isdescribedintheOtherInsuranceConditionThemostwewillpayforallmedicalexpenses E. inSection–LiabilityAndMedicalExpensesbecauseof"bodilyinjury"sustainedbyany GeneralConditions.onepersonistheMedicalExpensesLimit shownintheDeclarations. Nopersonororganizationisaninsuredwith 4.PersonalAndAdvertisingInjuryLimit respecttotheconductofanycurrentorpast partnership,jointventureorlimitedliability 2.b. Subjecttoabove,themostwewillpayfor companythatisnotshownasaNamedInsuredin thesumofalldamagesbecauseofall theDeclarations. "personalandadvertisinginjury"sustainedby anyonepersonororganizationisthePersonal D.LIABILITYANDMEDICALEXPENSES andAdvertisingInjuryLimitshowninthe LIMITSOFINSURANCE Declarations. 1.TheMostWeWillPay 5.DamageToPremisesRentedToYouLimit TheLimitsofInsuranceshowninthe TheDamageToPremisesRentedToYou Declarationsandtherulesbelowfixthemost LimitisthemostwewillpayunderBusiness wewillpayregardlessofthenumberof: LiabilityCoveragefordamagesbecauseof a. Insureds; "propertydamage"toanyonepremises,while b. Claimsmadeor"suits"brought;or rentedtoyou,orinthecaseofdamagebyfire, lightningorexplosion,whilerentedtoyouor c. Personsororganizationsmakingclaimsor temporarilyoccupiedbyyouwithpermissionof bringing"suits". theowner. 2.AggregateLimits Inthecaseofdamagebyfire,lightningor Themostwewillpayfor: explosion,theDamagetoPremisesRentedTo a. Damagesbecauseof"bodilyinjury"and YouLimitappliestoalldamageproximately "propertydamage"includedinthe causedbythesameevent,whethersuch "products-completedoperationshazard"is damageresultsfromfire,lightningorexplosion theProducts-CompletedOperations oranycombinationofthese. AggregateLimitshowninthe 6.HowLimitsApplyToAdditionalInsureds Declarations. Themostwewillpayonbehalfofapersonor b. Damagesbecauseofallother"bodily organizationwhoisanadditionalinsured injury","propertydamage"or"personal underthisCoveragePartisthelesserof: andadvertisinginjury",includingmedical a.Thelimitsofinsurancespecifiedina expenses,istheGeneralAggregateLimit writtencontract,writtenagreementor shownintheDeclarations. permitissuedbyastateorpolitical ThisGeneralAggregateLimitapplies subdivision;or separatelytoeachofyour"locations" b. TheLimitsofInsuranceshowninthe ownedbyorrentedtoyou. Declarations. "Location"meanspremisesinvolvingthe Suchamountshallbeapartofandnotin sameorconnectinglots,orpremises additiontotheLimitsofInsuranceshownin whoseconnectionisinterruptedonlybya theDeclarationsanddescribedinthisSection. street,roadwayorright-of-wayofa railroad. Page14of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (1) IfmorethanonelimitofinsuranceunderthisImmediatelysenduscopiesofany policyandanyendorsementsattachedtheretodemands,notices,summonsesor appliestoanyclaimor"suit",themostwewillpaylegalpapersreceivedinconnection underthispolicyandtheendorsementsisthewiththeclaimor"suit"; singlehighestlimitofliabilityofallcoverages (2) Authorizeustoobtainrecordsand applicabletosuchclaimor"suit".However,this otherinformation; paragraphdoesnotapplytotheMedicalExpenses (3) Cooperatewithusintheinvestigation, 3. limitsetforthinParagraphabove. settlementoftheclaimordefense TheLimitsofInsuranceofthisCoveragePartapply againstthe"suit";and separatelytoeachconsecutiveannualperiodandto (4) Assistus,uponourrequest,inthe anyremainingperiodoflessthan12months,starting enforcementofanyrightagainstany withthebeginningofthepolicyperiodshowninthe personororganizationthatmaybe Declarations,unlessthepolicyperiodisextended liabletotheinsuredbecauseofinjury afterissuanceforanadditionalperiodoflessthan12 ordamagetowhichthisinsurance months.Inthatcase,theadditionalperiodwillbe mayalsoapply. deemedpartofthelastprecedingperiodforpurposes d.ObligationsAtTheInsured'sOwnCost ofdeterminingtheLimitsofInsurance. Noinsuredwill,exceptatthatinsured'sown E.LIABILITYANDMEDICALEXPENSES cost,voluntarilymakeapayment,assume GENERALCONDITIONS anyobligation,orincuranyexpense,other thanforfirstaid,withoutourconsent. 1.Bankruptcy e.AdditionalInsured'sOtherInsurance Bankruptcyorinsolvencyoftheinsuredorof theinsured'sestatewillnotrelieveusofour Ifwecoveraclaimor"suit"underthis obligationsunderthisCoveragePart. CoveragePartthatmayalsobecovered byotherinsuranceavailabletoan 2.DutiesInTheEventOfOccurrence, additionalinsured,suchadditionalinsured Offense,ClaimOrSuit mustsubmitsuchclaimor"suit"tothe a.NoticeOfOccurrenceOrOffense otherinsurerfordefenseandindemnity. Youoranyadditionalinsuredmustseeto However,thisprovisiondoesnotapplyto itthatwearenotifiedassoonas theextentthatyouhaveagreedina practicableofan"occurrence"oran writtencontract,writtenagreementor offensewhichmayresultinaclaim.To permitthatthisinsuranceisprimaryand theextentpossible,noticeshouldinclude: non-contributorywiththeadditional (1)How,whenandwherethe"occurrence" insured'sowninsurance. oroffensetookplace; f.KnowledgeOfAnOccurrence,Offense, (2)Thenamesandaddressesofany ClaimOrSuit injuredpersonsandwitnesses;and a.b. Paragraphsandapplytoyouorto (3)Thenatureandlocationofanyinjury anyadditionalinsuredonlywhensuch ordamagearisingoutofthe "occurrence",offense,claimor"suit"is "occurrence"oroffense. knownto: b.NoticeOfClaim (1) Youoranyadditionalinsuredthatis Ifaclaimismadeor"suit"isbroughtanindividual; againstanyinsured,youoranyadditional (2) Anypartner,ifyouoranadditional insuredmust: insuredisapartnership; (1)Immediatelyrecordthespecificsofthe (3)Anymanager,ifyouoranadditional claimor"suit"andthedatereceived; insuredisalimitedliabilitycompany; and (4) Any"executiveofficer"orinsurance (2) Notifyusassoonaspracticable. manager,ifyouoranadditional Youoranyadditionalinsuredmustseetoinsuredisacorporation; itthatwereceiveawrittennoticeofthe (5)Anytrustee,ifyouoranadditional claimor"suit"assoonaspracticable. insuredisatrust;or c.AssistanceAndCooperationOfThe (6)Anyelectedorappointedofficial,ifyou Insured oranadditionalinsuredisapolitical subdivisionorpublicentity. Youandanyotherinvolvedinsuredmust: FormSS00080405Page15of24 BUSINESSLIABILITYCOVERAGEFORM f.(3) ThisParagraphappliesseparatelytoWehaveissuedthispolicyinreliance youandanyadditionalinsured.uponyourrepresentations. 3.FinancialResponsibilityLawsb.UnintentionalFailureToDisclose Hazards a. Whenthispolicyiscertifiedasproofof financialresponsibilityforthefutureunder Ifunintentionallyyoushouldfailtodisclose theprovisionsofanymotorvehicle allhazardsrelatingtotheconductofyour financialresponsibilitylaw,theinsurance businessattheinceptiondateofthis providedbythepolicyfor"bodilyinjury" CoveragePart,weshallnotdenyany liabilityand"propertydamage"liabilitywill coverageunderthisCoveragePart complywiththeprovisionsofthelawto becauseofsuchfailure. theextentofthecoverageandlimitsof 7.OtherInsurance insurancerequiredbythatlaw. Ifothervalidandcollectibleinsuranceis b. Withrespectto"mobileequipment"to availableforalosswecoverunderthis whichthisinsuranceapplies,wewill CoveragePart,ourobligationsarelimitedas provideanyliability,uninsuredmotorists, follows: underinsuredmotorists,no-faultorother a.PrimaryInsurance coveragerequiredbyanymotorvehicle b. law.WewillprovidetherequiredlimitsforThisinsuranceisprimaryexceptwhen thosecoverages.belowapplies.Ifotherinsuranceisalso primary,wewillsharewithallthatother 4.LegalActionAgainstUs c. insurancebythemethoddescribedin Nopersonororganizationhasarightunder below. thisCoverageForm: b.ExcessInsurance a. Tojoinusasapartyorotherwisebringus Thisinsuranceisexcessoveranyofthe intoa"suit"askingfordamagesfroman otherinsurance,whetherprimary,excess, insured;or contingentoronanyotherbasis: b. TosueusonthisCoverageFormunless (1)YourWork allofitstermshavebeenfullycomplied with. ThatisFire,ExtendedCoverage, Builder'sRisk,InstallationRiskor Apersonororganizationmaysueustorecover similarcoveragefor"yourwork"; onanagreedsettlementoronafinaljudgment againstaninsured;butwewillnotbeliablefor (2)PremisesRentedToYou damagesthatarenotpayableunderthetermsof Thatisfire,lightningorexplosion thisinsuranceorthatareinexcessofthe insuranceforpremisesrentedtoyou applicablelimitofinsurance.Anagreed ortemporarilyoccupiedbyyouwith settlementmeansasettlementandreleaseof permissionoftheowner; liabilitysignedbyus,theinsuredandthe (3)TenantLiability claimantortheclaimant'slegalrepresentative. Thatisinsurancepurchasedbyyouto 5.SeparationOfInsureds coveryourliabilityasatenantfor ExceptwithrespecttotheLimitsofInsurance, "propertydamage"topremisesrented andanyrightsordutiesspecificallyassigned toyouortemporarilyoccupiedbyyou inthispolicytothefirstNamedInsured,this withpermissionoftheowner; insuranceapplies: (4)Aircraft,AutoOrWatercraft a. AsifeachNamedInsuredweretheonly Ifthelossarisesoutofthemaintenance NamedInsured;and oruseofaircraft,"autos"orwatercraftto b. Separatelytoeachinsuredagainstwhom g. theextentnotsubjecttoExclusionof aclaimismadeor"suit"isbrought. Section–Coverages.A. 6.Representations (5)PropertyDamageToBorrowed a.WhenYouAcceptThisPolicy EquipmentOrUseOfElevators Byacceptingthispolicy,youagree: Ifthelossarisesoutof"property damage"toborrowedequipmentor (1) ThestatementsintheDeclarations theuseofelevatorstotheextentnot areaccurateandcomplete; k.A. subjecttoExclusionofSection– (2) Thosestatementsarebasedupon Coverages. representationsyoumadetous;and Page16of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (6)WhenYouAreAddedAsAn Whenthisinsuranceisexcessoverother AdditionalInsuredToOther insurance,wewillpayonlyourshareof Insurance theamountoftheloss,ifany,that exceedsthesumof: Thatisotherinsuranceavailableto (1) youcoveringliabilityfordamagesThetotalamountthatallsuchother arisingoutofthepremisesorinsurancewouldpayforthelossinthe operations,orproductsandcompletedabsenceofthisinsurance;and operations,forwhichyouhavebeen (2) Thetotalofalldeductibleandself- addedasanadditionalinsuredbythat insuredamountsunderallthatother insurance;or insurance. (7)WhenYouAddOthersAsAn Wewillsharetheremainingloss,ifany,with AdditionalInsuredToThis anyotherinsurancethatisnotdescribedin Insurance thisExcessInsuranceprovisionandwasnot Thatisotherinsuranceavailabletoanboughtspecificallytoapplyinexcessofthe additionalinsured.LimitsofInsuranceshowninthe DeclarationsofthisCoveragePart. However,thefollowingprovisions c.MethodOfSharing applytootherinsuranceavailableto anypersonororganizationwhoisan Ifalltheotherinsurancepermits additionalinsuredunderthisCoverage contributionbyequalshares,wewillfollow Part: thismethodalso.Underthisapproach, (a)PrimaryInsuranceWhen eachinsurercontributesequalamounts RequiredByContract untilithaspaiditsapplicablelimitof insuranceornoneofthelossremains, Thisinsuranceisprimaryifyou whichevercomesfirst. haveagreedinawrittencontract, writtenagreementorpermitthatIfanyoftheotherinsurancedoesnotpermit thisinsurancebeprimary.Ifothercontributionbyequalshares,wewill insuranceisalsoprimary,wewillcontributebylimits.Underthismethod,each sharewithallthatotherinsuranceinsurer’sshareisbasedontheratioofits bythemethoddescribedinc.applicablelimitofinsurancetothetotal below.applicablelimitsofinsuranceofallinsurers. (b)PrimaryAndNon-Contributory8.TransferOfRightsOfRecoveryAgainst ToOtherInsuranceWhenOthersToUs RequiredByContract a.TransferOfRightsOfRecovery Ifyouhaveagreedinawritten Iftheinsuredhasrightstorecoverallor contract,writtenagreementor partofanypayment,including permitthatthisinsuranceis SupplementaryPayments,wehavemade primaryandnon-contributorywith underthisCoveragePart,thoserightsare theadditionalinsured'sown transferredtous.Theinsuredmustdo insurance,thisinsuranceis nothingafterlosstoimpairthem.Atour primaryandwewillnotseek request,theinsuredwillbring"suit"or contributionfromthatother transferthoserightstousandhelpus insurance. enforcethem.Thisconditiondoesnot (a)(b) ParagraphsanddonotapplytoapplytoMedicalExpensesCoverage. otherinsurancetowhichtheadditional b.WaiverOfRightsOfRecovery(Waiver insuredhasbeenaddedasan OfSubrogation) additionalinsured. Iftheinsuredhaswaivedanyrightsof Whenthisinsuranceisexcess,wewill recoveryagainstanypersonor havenodutyunderthisCoveragePartto organizationforallorpartofanypayment, defendtheinsuredagainstany"suit"ifany includingSupplementaryPayments,we otherinsurerhasadutytodefendthe havemadeunderthisCoveragePart,we insuredagainstthat"suit".Ifnoother alsowaivethatright,providedtheinsured insurerdefends,wewillundertaketodo waivedtheirrightsofrecoveryagainst so,butwewillbeentitledtotheinsured's suchpersonororganizationinacontract, rightsagainstallthoseotherinsurers. agreementorpermitthatwasexecuted priortotheinjuryordamage. FormSS00080405Page17of24 BUSINESSLIABILITYCOVERAGEFORM 3.AdditionalInsured-GrantorOfFranchise F.OPTIONALADDITIONALINSURED C. WHOISANINSUREDunderSectionis COVERAGES amendedtoincludeasanadditionalinsured IflistedorshownasapplicableintheDeclarations, theperson(s)ororganization(s)showninthe oneormoreofthefollowingOptionalAdditional DeclarationsasanAdditionalInsured- InsuredCoveragesalsoapply.Whenanyofthese GrantorOfFranchise,butonlywithrespectto OptionalAdditionalInsuredCoveragesapply, theirliabilityasgrantoroffranchisetoyou. 6. Paragraph(AdditionalInsuredsWhenRequired 4.AdditionalInsured-LessorOfLeased byWrittenContract,WrittenAgreementorPermit) Equipment C. ofSection,WhoIsAnInsured,doesnotapply tothepersonororganizationshowninthe a.C. WHOISANINSUREDunderSectionis Declarations.Thesecoveragesaresubjecttothe amendedtoincludeasanadditional termsandconditionsapplicabletoBusiness insuredtheperson(s)ororganization(s) LiabilityCoverageinthispolicy,exceptas shownintheDeclarationsasanAdditional providedbelow: Insured–LessorofLeasedEquipment, butonlywithrespecttoliabilityfor"bodily 1.AdditionalInsured-DesignatedPersonOr injury","propertydamage"or"personal Organization andadvertisinginjury"caused,inwholeor C. WHOISANINSUREDunderSectionis inpart,byyourmaintenance,operationor amendedtoincludeasanadditionalinsured useofequipmentleasedtoyoubysuch theperson(s)ororganization(s)showninthe person(s)ororganization(s). Declarations,butonlywithrespecttoliability b. Withrespecttotheinsuranceaffordedto for"bodilyinjury","propertydamage"or theseadditionalinsureds,thisinsurance "personalandadvertisinginjury"caused,in doesnotapplytoany"occurrence"which wholeorinpart,byyouractsoromissionsor takesplaceafteryouceasetoleasethat theactsoromissionsofthoseactingonyour equipment. behalf: 5.AdditionalInsured-OwnersOrOther a. Intheperformanceofyourongoing InterestsFromWhomLandHasBeen operations;or Leased b. Inconnectionwithyourpremisesowned a.WHOISANINSUREDunderSectionisC. byorrentedtoyou. amendedtoincludeasanadditional 2.AdditionalInsured-ManagersOrLessors insuredtheperson(s)ororganization(s) OfPremises shownintheDeclarationsasanAdditional a.WHOISANINSUREDunderSectionisC. Insured–OwnersOrOtherInterestsFrom amendedtoincludeasanadditionalinsured WhomLandHasBeenLeased,butonly theperson(s)ororganization(s)showninthe withrespecttoliabilityarisingoutofthe DeclarationsasanAdditionalInsured- ownership,maintenanceoruseofthatpart DesignatedPersonOrOrganization;butonly ofthelandleasedtoyouandshowninthe withrespecttoliabilityarisingoutofthe Declarations. ownership,maintenanceoruseofthatpartof b.Withrespecttotheinsuranceaffordedto thepremisesleasedtoyouandshowninthe theseadditionalinsureds,thefollowing Declarations. additionalexclusionsapply: b.Withrespecttotheinsuranceaffordedto Thisinsurancedoesnotapplyto: theseadditionalinsureds,thefollowing (1) Any"occurrence"thattakesplace additionalexclusionsapply: afteryouceasetoleasethatland;or Thisinsurancedoesnotapplyto: (2) Structuralalterations,new (1) Any"occurrence"whichtakesplace constructionordemolitionoperations afteryouceasetobeatenantinthat performedbyoronbehalfofsuch premises;or personororganization. (2) Structuralalterations,new 6.AdditionalInsured-StateOrPolitical constructionordemolitionoperations Subdivision–Permits performedbyoronbehalfofsuch a.C. WHOISANINSUREDunderSectionis personororganization. amendedtoincludeasanadditional insuredthestateorpoliticalsubdivision shownintheDeclarationsasanAdditional Page18of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (e) Insured–StateOrPoliticalSubdivision-Anyfailuretomakesuch Permits,butonlywithrespecttoinspections,adjustments,testsor operationsperformedbyyouoronyourservicingasthevendorhasagreed behalfforwhichthestateorpoliticaltomakeornormallyundertakesto subdivisionhasissuedapermit.makeintheusualcourseof business,inconnectionwiththe b. Withrespecttotheinsuranceaffordedto distributionorsaleoftheproducts; theseadditionalinsureds,thefollowing (f) Demonstration,installation, additionalexclusionsapply: servicingorrepairoperations, Thisinsurancedoesnotapplyto: exceptsuchoperationsperformed (1) "Bodilyinjury","propertydamage"or atthevendor'spremisesin "personalandadvertisinginjury" connectionwiththesaleofthe arisingoutofoperationsperformedfor product; thestateormunicipality;or (g) Productswhich,afterdistribution (2) "Bodilyinjury"or"propertydamage" orsalebyyou,havebeenlabeled includedinthe"product-completed orrelabeledorusedasa operations"hazard. container,partoringredientofany 7.AdditionalInsured–Vendors otherthingorsubstancebyorfor thevendor;or a.C. WHOISANINSUREDunderSectionis amendedtoincludeasanadditional (h) "Bodilyinjury"or"property insuredtheperson(s)ororganization(s) damage"arisingoutofthesole (referredtobelowasvendor)showninthe negligenceofthevendorforits DeclarationsasanAdditionalInsured- ownactsoromissionsorthoseof Vendor,butonlywithrespectto"bodily itsemployeesoranyoneelse injury"or"propertydamage"arisingoutof actingonitsbehalf.However,this "yourproducts"whicharedistributedor exclusiondoesnotapplyto: soldintheregularcourseofthevendor's (i) Theexceptionscontainedin businessandonlyifthisCoveragePart (d)(f) Subparagraphsor;or providescoveragefor"bodilyinjury"or (ii) Suchinspections, "propertydamage"includedwithinthe adjustments,testsorservicing "products-completedoperationshazard". asthevendorhasagreedto b.Theinsuranceaffordedtothevendoris makeornormallyundertakes subjecttothefollowingadditionalexclusions: tomakeintheusualcourseof (1)Thisinsurancedoesnotapplyto: business,inconnectionwith thedistributionorsaleofthe (a)"Bodilyinjury"or"property products. damage"forwhichthevendoris obligatedtopaydamagesby (2) Thisinsurancedoesnotapplytoany reasonoftheassumptionof insuredpersonororganizationfrom liabilityinacontractoragreement. whomyouhaveacquiredsuch Thisexclusiondoesnotapplyto products,oranyingredient,partor liabilityfordamagesthatthe container,enteringinto, vendorwouldhaveintheabsence accompanyingorcontainingsuch ofthecontractoragreement; products. (b) Anyexpresswarranty 8.AdditionalInsured–ControllingInterest unauthorizedbyyou; C. WHOISANINSUREDunderSectionis (c)Anyphysicalorchemicalchange amendedtoincludeasanadditionalinsured intheproductmadeintentionally theperson(s)ororganization(s)showninthe bythevendor; DeclarationsasanAdditionalInsured– ControllingInterest,butonlywithrespectto (d) Repackaging,unlessunpacked theirliabilityarisingoutof: solelyforthepurposeofinspection, demonstration,testing,orthe a. Theirfinancialcontrolofyou;or substitutionofpartsunder b.Premisestheyown,maintainorcontrol instructionsfromthemanufacturer, whileyouleaseoroccupythesepremises. andthenrepackagedintheoriginal container; FormSS00080405Page19of24 BUSINESSLIABILITYCOVERAGEFORM ThisinsurancedoesnotapplytostructuralThelimitsofinsurancethatapplytoadditional D. alterations,newconstructionanddemolitioninsuredsaredescribedinSection–LimitsOf operationsperformedbyorforthatpersonorInsurance. organization. Howthisinsuranceapplieswhenotherinsurance 9.AdditionalInsured–Owners,LesseesOr isavailabletoanadditionalinsuredisdescribedin Contractors–ScheduledPersonOr E. theOtherInsuranceConditioninSection– Organization LiabilityAndMedicalExpensesGeneral Conditions. a.C. WHOISANINSUREDunderSectionis amendedtoincludeasanadditional G.LIABILITYANDMEDICALEXPENSES insuredtheperson(s)ororganization(s) DEFINITIONS shownintheDeclarationsasanAdditional 1. "Advertisement"meansthewidespreadpublic Insured–Owner,LesseesOrContractors, disseminationofinformationorimagesthat butonlywithrespecttoliabilityfor"bodily hasthepurposeofinducingthesaleofgoods, injury","propertydamage"or"personal productsorservicesthrough: andadvertisinginjury"caused,inwholeor inpart,byyouractsoromissionsorthe a.(1) Radio; actsoromissionsofthoseactingonyour (2) Television; behalf: (3) Billboard; (1) Intheperformanceofyourongoing (4) Magazine; operationsfortheadditional (5) Newspaper; insured(s);or b. TheInternet,butonlythatpartofaweb (2) Inconnectionwith"yourwork" sitethatisaboutgoods,productsor performedforthatadditionalinsured servicesforthepurposesofinducingthe andincludedwithinthe"products- saleofgoods,productsorservices;or completedoperationshazard",but c. Anyotherpublicationthatisgiven onlyifthisCoveragePartprovides widespreadpublicdistribution. coveragefor"bodilyinjury"or "propertydamage"includedwithinthe However,"advertisement"doesnotinclude: "products-completedoperations a. Thedesign,printedmaterial,information hazard". orimagescontainedin,onoruponthe b. Withrespecttotheinsuranceaffordedto packagingorlabelingofanygoodsor theseadditionalinsureds,thisinsurance products;or doesnotapplyto"bodilyinjury","property b. Aninteractiveconversationbetweenor damage"or"personalanadvertising amongpersonsthroughacomputernetwork. injury"arisingoutoftherenderingof,or 2."Advertisingidea"meansanyideaforan thefailuretorender,anyprofessional "advertisement". architectural,engineeringorsurveying services,including: 3. "Asbestoshazard"meansanexposureor threatofexposuretotheactualoralleged (1) Thepreparing,approving,orfailureto propertiesofasbestosandincludesthemere prepareorapprove,maps,shop presenceofasbestosinanyform. drawings,opinions,reports,surveys, fieldorders,changeorders,designsor 4. "Auto"meansalandmotorvehicle,traileror drawingsandspecifications;or semi-trailerdesignedfortravelonpublic roads,includinganyattachedmachineryor (2) Supervisory,inspection,architectural equipment.But"auto"doesnotinclude orengineeringactivities. "mobileequipment". 10.AdditionalInsured–Co-OwnerOfInsured 5."Bodilyinjury"meansphysical: Premises a.Injury; C. WHOISANINSUREDunderSectionis amendedtoincludeasanadditionalinsured b. Sickness;or theperson(s)orOrganization(s)showninthe c.Disease DeclarationsasanAdditionalInsured–Co- sustainedbyapersonand,ifarisingoutofthe OwnerOfInsuredPremises,butonlywith above,mentalanguishordeathatanytime. respecttotheirliabilityasco-ownerofthe premisesshownintheDeclarations. 6. "Coverageterritory"means: Page20of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM a.b. TheUnitedStatesofAmerica(includingitsYouhavefailedtofulfillthetermsofa territoriesandpossessions),PuertoRicocontractoragreement; andCanada; ifsuchpropertycanberestoredtouseby: b. Internationalwatersorairspace,butonlyif a. Therepair,replacement,adjustmentor theinjuryordamageoccursinthecourse removalof"yourproduct"or"yourwork"; oftravelortransportationbetweenany or a. placesincludedinabove; b. Yourfulfillingthetermsofthecontractor c. Allotherpartsoftheworldiftheinjuryor agreement. damagearisesoutof: 12. "Insuredcontract"means: (1) Goodsorproductsmadeorsoldbyyou a .Acontractforaleaseofpremises. a. intheterritorydescribedinabove; However,thatportionofthecontractfora (2) Theactivitiesofapersonwhosehome leaseofpremisesthatindemnifiesany a isintheterritorydescribedin. personororganizationfordamagebyfire, above,butisawayforashorttimeon lightningorexplosiontopremiseswhile yourbusiness;or rentedtoyouortemporarilyoccupiedby (3) "Personalandadvertisinginjury"youwithpermissionoftheowneris offensesthattakeplacethroughthesubjecttotheDamageToPremises InternetorsimilarelectronicmeansofRentedToYoulimitdescribedinSection D. communication–LiabilityandMedicalExpensesLimits ofInsurance. providedtheinsured'sresponsibilitytopay b. damagesisdeterminedintheUnitedStatesofAsidetrackagreement; America(includingitsterritoriesand c. Anyeasementorlicenseagreement, possessions),PuertoRicoorCanada,ina includinganeasementorlicense "suit"onthemeritsaccordingtothe agreementinconnectionwithconstruction substantivelawinsuchterritory,orina ordemolitionoperationsonorwithin50 settlementweagreeto. feetofarailroad; 7. "Electronicdata"meansinformation,factsor d. Anyobligation,asrequiredbyordinance, programs: toindemnifyamunicipality,exceptin a.Storedasoron;connectionwithworkforamunicipality; b. Createdorusedon;or e.Anelevatormaintenanceagreement;or c.Transmittedtoorfrom f.Thatpartofanyothercontractor agreementpertainingtoyourbusiness computersoftware,includingsystemsand (includinganindemnificationofa applicationssoftware,hardorfloppydisks, municipalityinconnectionwithwork CD-ROMS,tapes,drives,cells,data performedforamunicipality)underwhich processingdevicesoranyothermediawhich youassumethetortliabilityofanother areusedwithelectronicallycontrolled partytopayfor"bodilyinjury"or"property equipment. damage"toathirdpersonororganization, 8. "Employee"includesa"leasedworker". providedthe"bodilyinjury"or"property "Employee"doesnotincludea"temporary damage"iscaused,inwholeorinpart,by worker". youorbythoseactingonyourbehalf. 9. "Executiveofficer"meansapersonholding Tortliabilitymeansaliabilitythatwouldbe anyoftheofficerpositionscreatedbyyour imposedbylawintheabsenceofany charter,constitution,by-lawsoranyother contractoragreement. similargoverningdocument. Paragraphincludesthatpartofanyf. 10. "Hostilefire"meansonewhichbecomes contractoragreementthatindemnifiesa uncontrollableorbreaksoutfromwhereitwas railroadfor"bodilyinjury"or"property intendedtobe. damage"arisingoutofconstructionor demolitionoperationswithin50feetofany 11. "Impairedproperty"meanstangibleproperty, railroadpropertyandaffectinganyrailroad otherthan"yourproduct"or"yourwork",that bridgeortrestle,tracks,road-beds,tunnel, cannotbeusedorislessusefulbecause: underpassorcrossing. a. Itincorporates"yourproduct"or"yourwork" f. However,Paragraphdoesnotinclude thatisknownorthoughttobedefective, thatpartofanycontractoragreement: deficient,inadequateordangerous;or FormSS00080405Page21of24 BUSINESSLIABILITYCOVERAGEFORM (1)(1) Thatindemnifiesanarchitect,Powercranes,shovels,loaders, engineerorsurveyorforinjuryordiggersordrills;or damagearisingoutof: (2) Roadconstructionorresurfacing (a) Preparing,approvingorfailingtoequipmentsuchasgraders,scrapers prepareorapprovemaps,shoporrollers; drawings,opinions,reports, e.a.b.c.d. Vehiclesnotdescribedin,,,or surveys,fieldorders,change abovethatarenotself-propelledandare orders,designsordrawingsand maintainedprimarilytoprovidemobilityto specifications;or permanentlyattachedequipmentofthe (b) Givingdirectionsorinstructions,followingtypes: orfailingtogivethem,ifthatisthe (1) Aircompressors,pumpsand primarycauseoftheinjuryor generators,includingspraying, damage;or welding,buildingcleaning, (2) Underwhichtheinsured,ifangeophysicalexploration,lightingand architect,engineerorsurveyor,wellservicingequipment;or assumesliabilityforaninjuryor (2) Cherrypickersandsimilardevices damagearisingoutoftheinsured's usedtoraiseorlowerworkers; renderingorfailuretorender f.a.b.c.d. Vehiclesnotdescribedin,,,or professionalservices,includingthose abovemaintainedprimarilyforpurposes (1) listedinaboveandsupervisory, otherthanthetransportationofpersonsor inspection,architecturalor cargo. engineeringactivities. However,self-propelledvehicleswiththe 13. "Leasedworker"meansapersonleasedto followingtypesofpermanentlyattached youbyalaborleasingfirmunderan equipmentarenot"mobileequipment"but agreementbetweenyouandthelaborleasing willbeconsidered"autos": firm,toperformdutiesrelatedtotheconductof (1) Equipment,ofatleast1,000pounds yourbusiness."Leasedworker"doesnot grossvehicleweight,designed includea"temporaryworker". primarilyfor: 14. "Loadingorunloading"meansthehandlingof (a)Snowremoval; property: (b)Roadmaintenance,butnot a.Afteritismovedfromtheplacewhereitis constructionorresurfacing;or acceptedformovementintoorontoan aircraft,watercraftor"auto"; (c)Streetcleaning; b.Whileitisinoronanaircraft,watercraftor (2) Cherrypickersandsimilardevices "auto";or mountedonautomobileortruck chassisandusedtoraiseorlower c.Whileitisbeingmovedfromanaircraft, workers;and watercraftor"auto"totheplacewhereitis finallydelivered; (3) Aircompressors,pumpsand generators,includingspraying, but"loadingorunloading"doesnotincludethe welding,buildingcleaning, movementofpropertybymeansofamechanical geophysicalexploration,lightingand device,otherthanahandtruck,thatisnot wellservicingequipment. attachedtotheaircraft,watercraftor"auto". 16."Occurrence"meansanaccident,including 15. "Mobileequipment"meansanyofthefollowing continuousorrepeatedexposuretosubstantially typesoflandvehicles,includinganyattached thesamegeneralharmfulconditions. machineryorequipment: 17. "Personalandadvertisinginjury"meansinjury, a. Bulldozers,farmmachinery,forkliftsand includingconsequential"bodilyinjury",arising othervehiclesdesignedforuseprincipally outofoneormoreofthefollowingoffenses: offpublicroads; a. Falsearrest,detentionorimprisonment; b. Vehiclesmaintainedforusesolelyonor nexttopremisesyouownorrent; b.Maliciousprosecution; c. Vehiclesthattraveloncrawlertreads; d. Vehicles,whetherself-propelledornot,on whicharepermanentlymounted: Page22of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM c. Thewrongfulevictionfrom,wrongfulentryWorkthatmayneedservice,maintenance, into,orinvasionoftherightofprivatecorrection,repairorreplacement,but occupancyofaroom,dwellingorwhichisotherwisecomplete,willbe premisesthatthepersonoccupies,treatedascompleted. committedbyoronbehalfofitsowner, The"bodilyinjury"or"propertydamage" landlordorlessor; mustoccurawayfrompremisesyouown d. Oral,writtenorelectronicpublicationoforrent,unlessyourbusinessincludesthe materialthatslandersorlibelsapersonorselling,handlingordistributionof"your organizationordisparagesaperson'sorproduct"forconsumptiononpremisesyou organization'sgoods,productsorservices;ownorrent. e.b. Oral,writtenorelectronicpublicationofDoesnotinclude"bodilyinjury"or materialthatviolatesaperson'srightof"propertydamage"arisingoutof: privacy; (1) Thetransportationofproperty,unless f. Copying,inyour"advertisement",a theinjuryordamagearisesoutofa person’sororganization’s"advertising conditioninoronavehiclenotowned idea"orstyleof"advertisement"; oroperatedbyyou,andthatcondition wascreatedbythe"loadingor g. Infringementofcopyright,slogan,ortitleof unloading"ofthatvehiclebyany anyliteraryorartisticwork,inyour insured;or "advertisement";or (2) Theexistenceoftools,uninstalled h. Discriminationorhumiliationthatresultsin equipmentorabandonedorunused injurytothefeelingsorreputationofa materials. naturalperson. 20. "Propertydamage"means: 18. "Pollutants"meansanysolid,liquid,gaseousor thermalirritantorcontaminant,includingsmoke, a. Physicalinjurytotangibleproperty, vapor,soot,fumes,acids,alkalis,chemicalsand includingallresultinglossofuseofthat waste.Wasteincludesmaterialstoberecycled, property.Allsuchlossofuseshallbe reconditionedorreclaimed. deemedtooccuratthetimeofthe physicalinjurythatcausedit;or 19. "Products-completedoperationshazard"; b.Lossofuseoftangiblepropertythatisnot a. Includesall"bodilyinjury"and"property physicallyinjured.Allsuchlossofuse damage"occurringawayfrompremises shallbedeemedtooccuratthetimeof youownorrentandarisingoutof"your "occurrence"thatcausedit. product"or"yourwork"except: Asusedinthisdefinition,"electronicdata"is (1) Productsthatarestillinyourphysical nottangibleproperty. possession;or 21. "Suit"meansacivilproceedinginwhich (2) Workthathasnotyetbeencompleted damagesbecauseof"bodilyinjury","property orabandoned.However,"yourwork" damage"or"personalandadvertisinginjury" willbedeemedtobecompletedatthe towhichthisinsuranceappliesarealleged. earliestofthefollowingtimes: "Suit"includes: (a) Whenalloftheworkcalledforin a.Anarbitrationproceedinginwhichsuch yourcontracthasbeencompleted. damagesareclaimedandtowhichthe (b) Whenalloftheworktobedoneat insuredmustsubmitordoessubmitwith thejobsitehasbeencompletedif ourconsent;or yourcontractcallsforworkat b.Anyotheralternativedisputeresolution morethanonejobsite. proceedinginwhichsuchdamagesare (c) Whenthatpartoftheworkdoneat claimedandtowhichtheinsuredsubmits ajobsitehasbeenputtoits withourconsent. intendedusebyanypersonor 22. "Temporaryworker"meansapersonwhois organizationotherthananother furnishedtoyoutosubstituteforapermanent contractororsubcontractor "employee"onleaveortomeetseasonalor workingonthesameproject. short-termworkloadconditions. 23. "Volunteerworker"meansapersonwho: a. Isnotyour"employee"; FormSS00080405Page23of24 BUSINESSLIABILITYCOVERAGEFORM b.(2) Donateshisorherwork;Theprovidingoforfailuretoprovide warningsorinstructions. c. Actsatthedirectionofandwithinthe c. scopeofdutiesdeterminedbyyou;andDoesnotincludevendingmachinesor d. Isnotpaidafee,salaryorotherotherpropertyrentedtoorlocatedforthe compensationbyyouoranyoneelseforuseofothersbutnotsold. theirworkperformedforyou. 25 ."Yourwork": 24. "Yourproduct": a. Means: a. Means: (1) Workoroperationsperformedbyyou (1) Anygoodsorproducts,otherthanrealoronyourbehalf;and property,manufactured,sold,handled, (2) Materials,partsorequipment distributedordisposedofby: furnishedinconnectionwithsuchwork (a) You;oroperations. (b)b. Otherstradingunderyourname;Includes: or (1) Warrantiesorrepresentationsmadeat (c) Apersonororganizationwhoseanytimewithrespecttothefitness, businessorassetsyouhavequality,durability,performanceoruse acquired;andof"yourwork";and (2)(2) Containers(otherthanvehicles),Theprovidingoforfailuretoprovide materials,partsorequipmentwarningsorinstructions. furnishedinconnectionwithsuch goodsorproducts. b. Includes: (1) Warrantiesorrepresentationsmadeat anytimewithrespecttothefitness, quality,durability,performanceoruse of"yourproduct";and Page24of24FormSS00080405 DATE (MM/DD/YYYY) CERTIFICATE OF LIABILITY INSURANCE 2893683 3/2/2022 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. CONTACT PRODUCER 888-828-8365 NAME: Lockton Companies, LLC FAX PHONE (A/C, No): (A/C, No, Ext): 3657 Briarpark Dr., Suite 700 E-MAIL ADDRESS: Houston, TX 77042 INSURER(S) AFFORDING COVERAGENAIC # 22667 Ace American Insurance Co. INSURER A : INSURED INSURER B : ADR SERVICES, INC. 1900 AVENUE OF THE STARS STE 200 INSURER C : LOS ANGELES, CA 90067-4303 INSURER D : INSURER E : INSURER F : COVERAGESCERTIFICATE NUMBER:REVISION 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, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. ADDLSUBR INSRPOLICY EFFPOLICY EXP TYPE OF INSURANCELIMITS POLICY NUMBER LTR(MM/DD/YYYY)(MM/DD/YYYY) INSDWVD COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE$ DAMAGE TO RENTED CLAIMS-MADEOCCUR$ PREMISES (Ea occurrence) MED EXP (Any one person)$ PERSONAL & ADV INJURY$ GEN'L AGGREGATE LIMIT APPLIES PER:GENERAL AGGREGATE$ PRO- POLICYLOCPRODUCTS - COMP/OP AGG$ JECT $ OTHER: COMBINED SINGLE LIMIT AUTOMOBILE LIABILITY$ (Ea accident) BODILY INJURY (Per person)$ ANY AUTO ALL OWNEDSCHEDULED BODILY INJURY (Per accident)$ AUTOSAUTOS NON-OWNED PROPERTY DAMAGE $ HIRED AUTOS (Per accident) AUTOS $ UMBRELLA LIAB EACH OCCURRENCE$ OCCUR EXCESS LIAB CLAIMS-MADEAGGREGATE$ $ DEDRETENTION$ PEROTH- WORKERS COMPENSATION X STATUTEER AND EMPLOYERS' LIABILITY Y / N 1,000,000 ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT$ N / A AC7021269910/1/202110/1/2022 OFFICER/MEMBER EXCLUDED? 1,000,000 (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE$ If yes, describe under 1,000,000 E.L. DISEASE - POLICY LIMIT$ DESCRIPTION OF OPERATIONS below DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) CERTIFICATE HOLDERCANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED INACCORDANCE WITH THE POLICY PROVISIONS. CITY OF SANTA ANA AUTHORIZED REPRESENTATIVE RISK MANAGEMENT DIVISION 20 CIVIC CENTER PLAZA SANTA ANA, CA 92702 © 1988-2014 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD ACORD 25 (201/0)