Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
TOWNSEND PUBLIC AFFAIRS (3)
INSURANCE ON FILE WORK MAY PROCEED UNTIL INSURANCE EXPIRES I - I 2 CLERK OF COUNCIL DATE: APR 14 2022 o : CXL6cfle�� P) (3A� N AGREEMENT WITH TOWNSEND PUBLIC AFFAIRS FOR STATE LEGISLATION ADVOCACY SERVICES A-2022-035 THIS AGREEMENT is made and entered into this Ist day of March, 2022, by and between Townsend Public Affairs, Inc. ("Consultant"), and the City of Santa Ana, a charter city and municipal corporation organized and existing under the Constitution and laws of the State of California ("City"). RECITALS A. On December 23, 2021, the City issued Request for Qualifications No. 22-005, by which it sought proposals from qualified firms to provide state legislative advocacy services on the City's behalf. B. Consultant submitted a responsive proposal that was selected by the City. Consultant represents that it is able and willing to provide the services described in the scope of work that was included in RFQ No. 22-005. C. In undertaking the performance of this Agreement, Consultant represents that it is knowledgeable in its field and that any services performed by Consultant 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 Consultant shall perform the services described in the scope of work that was included in RFQ No. 22-005, which is attached as Exhibit A, and as further delineated in Consultant's proposal, which is attached as Exhibit B and incorporated in full. 2. COMPENSATION a. City agrees to pay, and Consultant agrees to accept as total payment for its services under this Agreement, the rates and charges identified in Exhibit B for Contract Years 1 through 4. The total annual sum to be expended shall not exceed $60,000 for Contract Years 1 and 2 and $66,000 for Contract Years 3 and 4 (year 4 only if Agreement is extended pursuant to Section 3 below). b. Consultant shall not be reimbursed for any expenses unless authorized in writing by City. C. 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 and Scope of Work, which may reasonably be expected by City. Page I of 8 3. TERM This Agreement shall commence on the date first written above and terminate on February 28, 2025, unless terminated earlier in accordance with Section 16, below. The term of this Agreement may be extended for one 1-year period upon a writing executed by the City Manager and City Attorney. 4. INDEPENDENT CONTRACTOR Consultant 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 Consultant performs the services which are the subject matter of this Agreement; however, the services to be provided by Consultant shall be provided in a manner consistent with all applicable standards and regulations governing such services. Consultant 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 non-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 Consultant under this Agreement ("Documents & Data"). Consultant shall require all subcontractors to agree in writing that City is granted a non-exclusive and perpetual license for any Documents & Data the subcontractors prepares under this Agreement. Consultant represents and warrants that Consultant has the legal right to license any and all Documents & Data. Consultant makes no such representation and warranty in regard to Documents & Data which were provided to Consultant 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 perfomnance of work under this Agreement, Consultant shall maintain and shall require its subcontractors, if any, to obtain and maintain insurance as described below: a. Commercial General Liability Insurance. Consultant shall maintain commercial general liability insurance naming the City, its officers, employees, agents, volunteers and representatives as additional insured(s) and shall include, but not be limited to protection against claims arising from bodily and personal injury, including death resulting therefrom and damage to property, resulting from any act or occurrence arising out of Consultant's operations in the performance of this Agreement, including, without limitation, acts involving vehicles. The amounts of Page 2 of 8 insurance shall be not less than the following: single limit coverage applying to bodily and personal injury, including death resulting therefrom, and property damage, in the total amount of $1,000,000 per occurrence, with $2,000,000 in the aggregate. Such insurance shall (a) name the CITY, its officers, employees, agents, volunteers and representatives as additional insured(s); (b) be primary with respect to insurance or self-insurance programs maintained by the CITY; and (c) contain standard separation of insureds provisions. b. Business automobile liability insurance, or equivalent form, with a combined single limit of not less than $1,000,000 per occurrence. Such insurance shall include coverage for owned, hired and non -owned automobiles. C. Worker's Compensation Insurance. In accordance with the California Labor Code, Consultant, if Consultant has any employees, is required to be insured against liability for worker's compensation or to undertake self-insurance. Prior to commencing the performance of the work under this Agreement, Consultant agrees to obtain and maintain any employer's liability insurance with limits not less than $1,000,000 per accident. d. If Consultant is or employs a licensed professional such as an architect or engineer: Professional liability (errors and omissions) insurance, with a combined single limit of not less than $1,000,000 per claim with $2,000,000 in the aggregate. e. The following requirements apply to the insurance to be provided by Consultant pursuant to this section: (i) Consultant shall maintain all insurance required above in full force and effect for the entire period covered by this Agreement. (ii) Certificates of insurance shall be furnished to the City upon execution of this Agreement and shall be approved by the City. (iii) Certificates and policies shall state that the policies shall not be cancelled or reduced in coverage or changed in any other material aspect, by consultant, without thirty (30) days prior written notice to the City. (iv) Consultant shall supply City with a fully executed additional insured endorsement. £ If Consultant fails or refuses to produce or maintain the insurance required by this section or fails or refuses to furnish the City with required proof that insurance has been procured and is in force and paid for, the City shall have the right, at the City's election, to forthwith terminate this Agreement. Such termination shall not affect Consultant's right to be paid for its time and materials expended prior to notification of termination. Consultant waives the right to receive compensation and agrees to indemnify the City for any work performed prior to approval of insurance by the City. Page 3 of 8 INDEMNIFICATION Consultant agrees to defend, and shall indemnify and hold harmless the City, its officers, agents, employees, consultants, 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 Consultant or its Consultants, subcontractors, agents, employees, or other persons acting on their behalf which relates to the services described in section I 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 terms 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 Consultant 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 terms 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 Consultant'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 of, pertain to, or relate to the negligence, recklessness, or willful misconduct of the Consultant. 8. INTELLECTUAL PROPERTY INDEMNIFICATION Consultant shall defend, indemnify and hold harmless the City, its officers, agents, representatives, and employees against any and all liability, including costs, and attorney's fees, for infringement of any United States' letters patent, trademark, or copyright contained in the work product or documents provided by Consultant to the City pursuant to this Agreement. 9. RECORDS Consultant shall keep records and invoices in connection with the work to be performed under this Agreement. Consultant shall maintain complete and accurate records with respect to the costs incurred under 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 Consultant under this Agreement. All such records and invoices shall be clearly identifiable. Consultant 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. Consultant 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 Consultant under this Agreement. 10. CONFIDENTIALITY If Consultant receives from the City information which due to the nature of such Page 4 of 8 information is reasonably understood to be confidential and/or proprietary, Consultant 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 Consultant disclosed in a publicly available source; (c) is in rightful possession of the Consultant without an obligation of confidentiality; (d) is required to be disclosed by operation of law; or (e) is independently developed by the Consultant without reference to information disclosed by the City. 11. CONFLICT OF INTEREST CLAUSE Consultant covenants that it presently has no interest and shall not have interests, direct or indirect, which would conflict in any manner with performance of services specified under this Agreement. 12. 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: Cleric of the City Council City of Santa Ana 20 Civic Center Plaza (M-30) P.O. Box 1988 Santa Ana, CA 92702-1988 With courtesy copies to: City Manager City of Santa Ana 20 Civic Center Plaza (M-31) P.O. Box 1988 Santa Ana, California 92702 To Consultant: Townsend Public Affairs, Inc. Attn: Christopher Townsend, President 925 L Street, Suite 1404 Sacramento, CA 95814 Page 5 of 8 A party may change its address by giving notice in writing to the other party. Thereafter, any 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 as set 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. 13. EXCLUSIVITY AND AMENDMENT This Agreement represents the complete and exclusive statement between the City and Consultant regarding the subject matter herein, 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 Consultant. 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 Consultant 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 are not embodied herein. 14. ASSIGNMENT Inasmuch as this Agreement is intended to secure the specialized services of Consultant, Consultant 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 consultants retained by City. 15. 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. 16. TERMINATION This Agreement may be terminated by the City upon thirty (30) days written notice of termination. In such event, Consultant shall be entitled to receive and the City shall pay Consultant compensation for all services performed by Consultant prior to receipt of such notice of termination, subject to the following conditions: Page 6 of 8 a. As a condition of such payment, the Executive Director may require Consultant to deliver to the City all work product completed as of such date, and in such case such work product shall be the property of the City unless prohibited by law, and Consultant 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. 17. NON-DISCRIMINATION Consultant 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. Consultant affirms that it is an equal opportunity employer and shall comply with all applicable federal, state and local laws and regulations. 18. 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. 19. PROFESSIONAL LICENSES Consultant 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. Consultant 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. 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. All exhibits referenced herein and attached hereto shall be incorporated as if fully set forth in the body of this Agreement. Page 7of8 IN WITNESS WHEREOF, the parties hereto have executed this Agreement the date and year first above written. ATTEST: AA Daisy Gomez '�Ar Clerk of the Council APPROVED AS TO FORM SONIA R. CARVALHO City Attorney By: lw John M.Funk Sr. Assistant City Attorney CITY OF SANTA ANA Kristine Ridge City Manager TOWNSEND PUBLIC AFFAIRS Arie:rcq�tpher Townsend Title:President Page 8 of 9 (9) DESCRIPTION CITY OF SANTA ANA EXHIBIT A SCOPE OF SERVICES EXHIBIT A The City of Santa Ana is seeking statements of qualifications from a qualified firm to provide legislative advocacy services. The firm works under the policy direction of the Mayor and City Council and is administratively responsible to the City Manager. The principle responsibility of the firm will be to provide legislative advocacy services to augment the City's existing relationships with federal legislators and policy administrators. 11. SCOPE OF SERVICES 1. HELP SET LEGISLATIVE PRIORITIES: Work with the City Council, the City Manager, and other City staff to discuss goals, objectives, opportunities and priorities. 2. ADVOCATE ON THE CITY'S BEHALF: Advocate the City's position to members of the State Assembly, State Senate, State agencies, and other interested parties. Identify opportunities for elected officials and City officials to participate in the legislative process and make recommendations. Those opportunities include, but are not limited to, communication to legislators, providing testimony at legislative hearings, and communication with the Governor and the Governor's staff. 3. LEGISLATIVE RESEARCH AND ANALYSIS: At the request of the City, research, provide information, and prepare written reports on a variety of topics, including, but not limited to, the following: a. State laws/regulations or proposed legislation b. Legislative hearings, reports and testimony c. State funding opportunities d. Reporting and data that may impact City operations 4. KEEP THE CITY UPDATED ON PERTINENT LEGISLATION: Provide updates on state legislation that affects the City's legislative priorities. Identify potential future legislative issues or opportunities that may interest the City, and help position the City to benefit from new laws/regulations/policies, programs, or funding opportunities. 5. RELATIONSHIP -BUILDING WITH THE STATE: Support a positive relationship with the Governor's office, State Legislature, Governor's office, and other State agencies. Assist in establishing relations between councilmembers/City staff and legislative persons, including chairs and consultants of key committees and other important policymakers. Coordinate meetings with State Legislators and state agency leaders to provide the City the opportunity to meet with key decision -makers on pertinent City issues. 6. RELATIONSHIP -BUILDING WITH LOCAL AND REGIONAL PARTNERS ON STATEWIDE ISSUES: When appropriate, coordinate and cooperate with other organizations, municipalities, companies and firms having similar legislative objectives as the City. Where appropriate, advocate positions on legislation and work to secure language in law that will advance the City's interests. 7. PREPARE POSITION LETTERS AND DRAFT LEGISLATVE LANGUAGE: At the request of the City, assist with drafting position letters on legislation or language for City policy resolutions. 8. MONTHLY REPORTS: Provide regular updates on the political landscape in Sacramento to help provide context, and identify opportunities and potential issues. Provide monthly reports of activities pursued or RFQ No. 22-005 State Legislative Advocacy Services CITY OF SANTA ANA accomplished on behalf of the City. 9. ANNUAL IN -PERSON MEETING REQUIRED: Arrange for an annual visit to the City of Santa Ana for a legislative committee meeting and/or to meet with the City Manager and/or designated City officials. 10. FPPC FILINGS: Prepare and file all applicable Fair Political Practices Commission lobbying documents and reports within all applicable deadlines, per the provisions of the Political Reform Act of 1974 as amended. Provide the City notification of any changes or modifications that may be pertinent. RFQ No. 22-005 State Legislative Advocacy Services PUBLIC AFFAIRS FST T PA 1999 IJ W W W.TOW N SENDPA.COM SACRAMENTO • WASHINGTON, DC NORTHERN CALIFORNIA • CENTRAL CALIFORNIA SOUTHERN CALIFORNIA SAS* llkk�-Ir off— TC�WNSEND �,,)1,11 TPA January 21, 2022 Daniel A. Soto, Management Assistant City of Santa Ana — City Manager's Office 20 Civic Center Plaza Santa Ana, CA 92701 Dear Mr. Soto: Thank you for the opportunity for Townsend Public Affairs, Inc. ("TPA") to submit our proposal for Legislative Advocacy Services to the City of Santa Ana ("City"). TPA has been proud and honored to serve as the state legislative advocate for the City over the past 22 years. During our tenure, TPA has demonstrated its focused and unwavering commitment to the legislative platform and funding priorities of the City, securing over $79.4 million in funding for the City, while serving as an extension of the City staff. Since its inception in 1998, TPA has earned the reputation as Champions for Better Communities by providing the experience, resources, and relationships expected from a premier legislative advocacy and grant writing firm while also giving clients the unique brand of customer service they deserve: personal attention, maximum accessibility, and passion for their mission. Our strategic approach to advocacy and funding is tailored to meet the individual needs of each client by leveraging the breadth and depth of our team as well as our vast network of relationships with key stakeholders and decision makers. Utilizing this method on behalf of our clients, TPA has shepherded over 100 legislative and regulatory proposals into law, and secured over $2.2 billion in grants from state, federal, and local government agencies as well as nonprofit foundations and private companies. Thank you again for your interest in our firm and your consideration of this proposal. This statement of qualifications will be valid for ninety (90) days. Please contact us if you have any questions or need additional information. We would be honored to continue to serve the City of Santa Ana. Yours truly, Christopher Townsend President * Principal who can make legally binding commitments for TPA 0 Proposal for State Legislative Advocacy Services I City of Santa Ana Page 2 CITY OF SANTA ANA ATTACHMENT B RESPONDENT'S STATEMENT Respondent understands and agrees that this written RFQ (or any part thereof specifically designated and accepted by the City of Santa Ana, hereinafter City) shall constitute the entire agreement between Respondent and the City only after it has been accepted by the City Council, endorsed by the Clerk of the Council with her signature and official seal noting hereon the action of approval of the Council, signed by the Executive Director or his duly authorized agent, and signed by the City Attorney, denoting his approval of the forth of this document, and its execution, and when it or an exact copy of it has been either delivered to Respondent or deposited with the United States Postal Service properly addressed to the Respondent with the correct postage affixed thereto. Respondent further agrees that upon delivery (as defined above) of the accepted agreement he/she will furnish City all required bonds and certificate of liability insurance within ten (10) days (excluding Saturdays, Sundays and City's legal holidays), or the funds, check, draft, or Respondent's bond substituted in lieu thereof accompanying this statement of qualificationsshall become the property of the City and shall be considered as payment of damages due to the delay and other causes suffered by City because of the failure to furnish the necessary bonds and because it is distinctly agreed that the proof of damages actually suffered by City is difficult to ascertain; otherwise said funds, check drafts, or Respondent's bond substituted in lieu thereof shall be returned to the undersigned. Respondent understands that a statement of qualificationsis required for the entire work, that the estimated quantities set forth in the RFQ schedule are solely for the purpose of comparing statement of qualifications, and that final compensation under the contract will be based upon the actual quantities of work satisfactorily completed. All terms contained in the specifications, the certification of nondiscrimination by contractors, and the required insurance certificates are to be incorporated by reference into this agreement and are made s ecificall as art of this RFQ. Firm_ 1► Signed and Printed Name: 10VI-Wriol' i ' Date I 09 Ii THIS FORM MUST BE COMPLETED AND INCLUDED WITH THE STATEMENT OF QUALIFICATION. STATEMENT OF QUALIFICATIONS THAT DO NOT CONTAIN THIS FORM WILL BE CONSIDERED NONRESPONSIVE. RFQ No. 22-005 State Legislative Advocacy Services Page 25 of 29 0 Proposal for State Legislative Advocacy Services I City of Santa Ana Page 3 ac02® CERTIFICATE OF LIABI 0 CE Digita Y°Y) /........_---- _-_ - ........_..... _ pp 0hp,,,,14/2022 gT THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CO F 0 RS UPON 1'i�FiCN IBLWOW�.2V'EtI�O CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVER/.GE FFt ORDED BY T J� ,J- CIET BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A ONTRACT BETWEEN T - ,SSU IC eft( I'CfK)t� REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. NT. - IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the poll (le) s V A I , L F�EL jY�i2>;i 9or&�6W.d.. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies tray require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). .—_.......___.___......_......__ —_ PRODUCER CONTACT ------ ----- -- '_"'.-" Bannister a Associates Insurance Agency NAME;Xerry-_Wakely 9 Y FAXPHONE---j�------ CA License #0691071 PHONE N0�ExtP (714) 536-6086 1_(AIC, Noh(714) 536-4054 305 17th Street E-MAIL Huntington Beach CA 92648-4209 _ADDRESS: kerr bai-ins.com _- -__INSURER(S)LAFFORDING COVERAGE NAIC It -_..................._—___-_._.._............_.__-____..-.__ INSURERA: Continental Casual ty_Company __ 20443 INSURED (949) 39-9 9656 3 Townsend Public Affairs, Inc. INSURERB Nationwide Mutual Insurance Cc 23787 - -- ---- INSURER C:Oak .River Insurance Company _ 34630 _.. 1401 Dove Street, Suite 330 INSURER D: Boaz ley Insurance Company_ 37540 Newport Beach CA 92660 INSURER E: _...._---- --- INSURER F:._....._.__— COVERAGES CERTIFICATE NUMBER'Cert ID 11699 RFVI.RInim MIIN9RFR. THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW _—BENISSUED BISSUED 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 OFSUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR .___....__ TYPE OF INSURANCE - Afin INSR. SUER- yyYe -_ POLICY NUMBER POLICY EFF (MM/pD�VYYY_ POLICY EXP- MMIDDNYVY]-__ A % -- COMMERCIAL GENERAL LIABILITY - _ CLAIMS -MADE CX]OCCUR Y e 6074573557 08/31/2021 08/31/2022 ______LIMITS EACH OCCURRENCE _... $ 1,000,000 DAMAGE TO R-EN fgbT PREMISES,(Eeoccurrence .$._- 300,000 MEDEXP(Anyonepersan) $ 10, 000 PERSONAL &ADV INJURY $See Prof '1 L AGGREGATE LIMIT APPLIES PER: POLICY[ PR0 EX] LOC GENERAL AGGREGATE $ 2,000,000 GE_N'L PRODUCTS-COMP/OP AGG $ 2,000,000 $ OTHER: AUTOMOBILE _- LIABILITY COMBINEDSING. LIMIT Ee_acddent)--„-,-,_ 0 $ 1, 000, 000 H X ANYAUTO Y ACP 3098752757 05/01/2022 05/01/2023 BODILY INJURY (Per person) $ OWNED SCHEDULED AUTOS ONLY ._.. AUTOS HIRED AUTOSNOWOWNEDLY AUTOS ONLY ..... AUTOS ONLY BODILY INJURY Per accident ( ) $ PROPERTY DAMAGE jeer accldaPO-__ _ --'- $ A X UMBRELLA LIAB X OCCUR B 6074573560 08/31/2021 08/31/2022 EACHOCCURRENCE $ 51000_000--------------- AGGREGATE $ 51000,000 ....__ EXCESS LIAB CLAIMS -MADE DIED X RETENTION$ 10,0_00 - -—_------YlN ......__ _ ________ $ C WORKERS COMPENSATION AND EMPLOYERS' LIABILITY ANYPRCPRIETORIPARTNEEXECUTIVE OFFICERIMEMBEREXCIUDED7 (Mandatory In NH) If yes, describe under NIA Y _ TOWC229428 ___ 07/01/202107/01/2022 __ _ _ PER OTh- R STATUTE .__.L_ER ---' E.L. EACH ACCIDENT $ 11000,000 E.L. DISEASE - EA EMPLOYEE .. ..__ $ 1,000,000 --- E.L. DISEASE -POLICY LIMIT ------ -- $ 1, 000,000 DESCRIPTIONOFOPERATIONS below D Professional Liability W301DF210101 08/31/2021 08/31/2022 Limit (each claim): $ 2,000,000 -------- incl Personal/Adv injury _-_ . ---- ..__ _. .. Retention: $5,000 Limit (aggregate): $ 4,000,000 ___.._--_ ------------- DESCRIPTION OF OPERATIONS LOCATIONS IVIES ICLES (ACORD 101, Additional Remarks Schedule, may be attached If more space is required) City of Santa Ana, its officers, agents, employees, and volunteers are named as additional insureds with respects general and auto liability policy limits. Primary and non-contributory wording applies with respects general and auto liability policy limits. Waiver of subrogation applies with respects worker's compensation policy limits. 30-day notice of cancellation for underwriting reasons and 10-day notice of cancellation for non-payment of premium will be sent in the event of company election. City of Santa Ana Risk Management Division 20 Civic Center Plaza, 4th Floor Santa Ana CA 92701 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. M ©1988.2015 ACORD ACORD 25 (2016103) The ACORD name and logo are registered marks of ACORD Page 1 of 1 .y,,. a ,tom/ Ri9kMatmgemettPMelon REVIEWED&APPROVED BY: Ar Aavda . Rbk Management spedlallst 01 CNA Policy number: B 6074573557 SB300113D (Ed. 6-16) ADDITIONAL INSURED - DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM SCHEDULE Name Of Person Or Organization: Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Declarations. It is understood and agreed that the section entitled WHO IS AN INSURED is amended with the addition of the following: A. The person or organization shown in the Schedule is an insured, but only with respect to such person or organization's liability for "bodily injury," "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: 1. in the performance of your ongoing operations; or 2. in connection with premises owned by or rented to you. B. However, if coverage for the additional insured is required by written contract or written agreement, subject always to the terms and conditions of this policy, including the limits of insurance, we will not provide such additional insured with: 1. coverage broader than required by such contract or agreement; or 2. a higher limit of insurance than required by such contract or agreement. C. The coverage granted by this endorsement does not apply to "bodily injury" or "property damage" included within the "products -completed operations hazard." Any coverage granted by this endorsement shall apply solely to the extent permissible by law. All other terms and conditions of the Policy remain unchanged. SB300113D (Ed. 6-16) Page 1 of 1 Copyright, CNA All Rights Reserved. ;fqRiakManagonentn(vkk n r REMEWED&APPROvm81; Iq a Atp Aow44 V Risl<Management Specialist CNp SB-300120-C !+� (Ed. 06/11) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION - WITH PRODUCTS COMPLETED OPERATIONS COVERAGE This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM SCHEDULE* Name Of Person Or Organization: * Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Declarations. A. The following is added to Paragraph C. Who Is An Insured: 4. Any person(s) or organization(s) shown in the Schedule is also an additional insured, but only with respect to liability for "bodily injury, "property damage" or "personal and advertising injury," caused, in whole or in part, by: a. Your acts or omissions; or b. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insured(s); at the location(s) designated above; or 12 c. "Your work" that is included in the "products - completed operations hazard" and performed for the additional insured, but only if this Policv provides such coveraae. and only if the written contract or written agreement requires you to provide the additional insured such coverage. B. The insurance provided to the additional insured does not apply to "bodily injury," "property damage," or "personal and advertising injury" arising out of: SB-300120-C (Ed. 06/11) 1. The rendering of, or the failure to render any professional architectural, engineering, or surveying services, including: (a) The preparing, approving, or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; and (b) Supervisory, inspection, architectural or engineering activities. 2. "Bodily Injury," "property damage," or "personal and advertising injury" arising out of any premises or work for which the additional insured is specifically listed as an additional insured on another endorsement attached to this Policy. C. The following is added to Paragraph H. of the Businessowners Common Policy Conditions: H. Other Insurance This insurance is excess over any other insurance naming the additional insured as an insured whether primary, excess, contingent or on any other basis unless a written contract or written agreement specifically requires that this insurance be either primary or primary and noncontributing. w*kn �¢nna*lrn x twee o&APPR/O}VED BY: �"----.� Risk Management Specialist ��� Policy Number: B 6074573557 CNA80103XX (09-14) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following: BUSINESSOWNERS COMMON POLICY CONDITIONS The following is added to Paragraph H. Other Insurance and supersedes any provision to the contrary: Primary And Noncontributory Insurance This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: 1. The additional insured is a Named Insured under such other insurance; and 2. You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured. All other terms and conditions of the Policy remain unchanged. CNA80103XX (09-14) Page 1 of 1 Copyright, CNA All Rights Reserved. Includes copyrighted material of Insurance services Office, Inc., with >_ �"-� maw RtvlexrEoa4ma Aseta Aeovt io Risk Management Sperialist Policy # ACP 3038752757 COMMERCIAL AUTO AC 70 06 03 16 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS AUTO PROTECTION - PLATINUM This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM SUMMARY OF COVERAGES A. Effect of This Endorsement B. Newly Acquired of Formed Entities C. Employees as insureds — Nonowned Autos D. Additional Insured by Contract, Permit or Agreement E. Supplementary Payments — Bail Bonds F. Supplementary Payments — Loss of Earnings G. Personal Effects and Property of Others Extension H. Prejudgment Interest Coverage I. Fellow Employees J. Hired Auto Physical Damage K. Temporary Substitute Autos — Physical Damage Coverage L. Expanded Towing Coverage M. Auto Loan or Lease Coverage N. Original Equipment Manufacturer Parts — Leased Private Passenger Types O. Deductible Amendments P. Expanded Transportation Expense O. Extra Expense — Stolen Autos R. Physical Damage Limit of Insurance S. New Vehicle Replacement Cost T. Physical Damage Coverage Extensions U. Business Income and Extra Expense Coverage V. Transfer of Rights Of Recovery Against Others To Us W. Section IV — Business Auto Conditions — Notice of and Knowledge of Occurrence X. Hired Car Coverage Territory Y. Emergency Lockout Z. Cancellation Condition AC 70 06 03 16 Includes copyrighted material of Insurance Services Office, Inc. with its permission RIA Manpnant D[vielon REVIEWED& APPROVQ76Y: �"-----J Risk Management! pecizlfst COMMERCIAL AUTO AC 70 06 03 16 A. EFFECT OF THIS ENDORSEMENT Coverage provided under this policy is modified by the provisions of this endorsement. If there is any conflict between the provisions of this endorsement and the provision(s) of any state - specific endorsement also attached to this poli- cy, then the provision(s) of the state -specific endorsement shall apply instead of the provi- sions of this endorsement that are in conflict, but only to the extent of the conflict, and only to the extent necessary to bring such provisions into conformance with the state requirement(s) contained in the provision(s) of the state -specific endorsement. B. NEWLY ACQUIRED OR FORMED ENTITIES The Named Insured shown in the Declarations is amended to include any organization you newly acquire or form, other than a partnership, joint venture, or limited liability company, and over which you maintain ownership or majority (more than 50%) interest; if there is no other similar in- surance available to that organization. Coverage under this provision is afforded until the 1801" day after you acquire or form the organization or the end of the policy period, whichever is later. C. EMPLOYEES AS INSUREDS — NONOWNED AUTOS The following is added to paragraph A.1. Who Is An Insured of SECTION II — COVERED AUTOS LIABILITY COVERAGE: d. Any "employee" of yours is an "insured" while using a covered "auto" you don't own, hire or borrow in your business or your per- sonal affairs. D. ADDITIONAL INSURED BY CONTRACT, PERMIT OR AGREEMENT The following is added to A.1. Who Is An In- sured of SECTION II — COVERED AUTOS LIABILITY COVERAGE: Any person or organization that you are re- quired to name as an additional insured in a written contract or agreement that is executed or signed by you prior to a "bodily injury" or "property damage" occurrence is an "insured" for Covered Auto Liability coverage. How- ever, with respect to covered "autos", such person or organization is an insured only to the extent that person or organization qualifies as an "insured" under A.1. Who is an Insured of SECTION II — COVERED AUTOS LIABILITY COVERAGE: If specifically required by the written contract or agreement referenced in the paragraph above, any coverage provided by this endorsement to an additional insured shall be primary and any other valid and collectible insurance avail- able to the additional insured shall be non- contributory with this insurance. If the written contract does not require this coverage to be primary and the additional insured's coverage to be non-contributory, then this insurance will be excess over any other valid and collectible insur- ance available to the additional insured. E. SUPPLEMENTARY PAYMENTS — BAIL BONDS Supplementary Payments of SECTION II — COVERED AUTOS LIABILITY COVERAGE is revised as follows: (2) Up to $3,000 for cost of bail bonds (including bonds for related traffic law violations) re- quired because of an "accident" we cover. We do not have to furnish these bonds. F. SUPPLEMENTARY PAYMENTS — LOSS OF EARNINGS Supplementary Payments of SECTION II — COVERED AUTOS LIABILITY COVERAGE is revised as follows: (4) All reasonable expenses incurred by the "in- sured" at our request, including actual loss of earnings up to $1,000 a day because of time off from work. G. PERSONAL EFFECTS AND PROPERTY OF OTHERS EXTENSION 1. The Care, Custody or Control Exclusion of SECTION II — COVERED AUTOS LIABILITY COVERAGE, does not apply to "property dam- age" to property, other than your property, up to an amount not exceeding $500 in any one "acci- dent". Coverage is excess over any other valid and collectible insurance. 2. The following paragraph is added to AA. Coverage Extensions of SECTION III - PHYSICAL DAMAGE COVERAGE: c. We will pay up to $1,000 for your prop- erty that is lost or damaged as a result of a covered "loss", without applying a deductible. Coverage is excess over any other valid and collectible insur- ance. Page 2 of 7 Includes copyrighted material of Insurance Services Office, Inc. with its permission �" RiekManag�ewntDWislon % REVIEWED&APPROVED SW 3 A41U AaN44 . Risk Management Specialist H. PREJUDGMENT INTEREST COVERAGE The following paragraph is added to SECTION II — COVERED AUTOS LIABILITY COVERAGE, 2. Coverage Extensions, a. Supplementary Payments: (7) Prejudgment interest awarded against the "insured" on that part of the judgment we pay. If we make an offer to pay the appli- cable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. 1. FELLOW EMPLOYEE The Fellow Employee Exclusion of SECTION II - COVERED AUTOS LIABILITY COVERAGE, does not apply if the "bodily Injury" results from the use of a covered "auto" you own or hire. The insurance provided under this provision is excess over any other collectible insurance. J. HIRED AUTO PHYSICAL DAMAGE If covered "auto' designation symbols 1 or 8 ap- ply to Liability Coverage and if at least one "au- to' you own is covered by this policy for Com- prehensive, Specified Causes of Loss, or Colli- sion coverages, then the Physical Damage coverages provided are extended to "autos" you lease, hire, rent or borrow without a driver; and provisions in the Business Auto Coverage Form applicable to Hired Auto Physical Damage apply up to a limit of $125,000. The deductible will be equal to the largest deductible applicable to any owned "auto' for that coverage. Any Compre- hensive deductible does not apply to fire or lightning. K. TEMPORARY SUBSTITUTE AUTOS — PHYSICAL DAMAGE COVERAGE The following is added to paragraph C. Certain Trailers, Mobile Equipment And Temporary Substitute Autos of SECTION I — COVERED AUTOS: If Physical Damage Coverage is provided by this Coverage Form, the following types of vehicles are also covered "autos" for Physi- cal Damage Coverage: Any "auto' you do not own while used with the permission of its owner as a temporary substitute for a covered "auto' you own that is out of service because of its: a. Breakdown; b. Repair; c. Servicing; d. "Loss": or COMMERCIAL AUTO AC 70 06 03 16 e. Destruction The coverage that applies is the same as the coverage provided for the vehicle being replaced. L. EXPANDED TOWING COVERAGE 1. We will pay up to: a. $150 for a covered "auto' you own of the private passenger type, or b. $750 for a covered "auto' you own that is not of the private passenger type, for towing and labor costs incurred each time the covered "auto' is disabled. Howev- er, the labor must be performed at the place of disablement. 2. This coverage applies only for an "auto' covered on this policy for Comprehensive or Specified Causes of Loss Coverage and Collision Coverages. 3. Payment applies in addition to the otherwise applicable amount of each coverage you have on a covered "auto'. M. AUTO LOAN OR LEASE COVERAGE 1. In the event of a total 'loss" to a covered "auto', we will pay any unpaid amount due on the loan or lease, including up to a max- imum of $500 for early termination fees or penalties, for your covered "auto' less: a. The amount paid under SECTION III — PHYSICAL DAMAGE COVERAGE of this policy; and b. Any: 1) Overdue lease/loan payments at the time of the "loss"; 2) Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage; 3) Security deposits not refunded by a lessor; 4) Costs of extended warranties, Credit Life insurance, Health, Accident, or Disability insurance purchased with thelease;and 5) Carry-over balances from previous leases. 2. This coverage only applies to a 'loss" which is also covered under this policy for Com- prehensive, Specified Causes of Loss, or Collision coverage. AC 70 06 03 16 Includes copyrighted material of Insurance Services Office, Inc. with its permission Pr^six RiekMnnagententl)Wtelan REVIEWED�}&}APPRor�vmBsY: �^-��J Risk Managementspecialist COMMERCIAL AUTO AC 70 06 03 16 3. Coverage does not apply to any unpaid amount due on a loan for which the covered "auto" is not the sole collateral. N. ORIGINAL EQUIPMENT MANUFACTURER PARTS — LEASED PRIVATE PASSENGER TYPES Under Paragraph C. Limit of Insurance of SECTION III — PHYSICAL DAMAGE COVERAGE, Section 4 is added as follows: 4. We will use new original equipment vehicle manufacturer parts for any private passen- ger type covered "auto" where required by the lease agreement which has a term of at least six months. If a new original equip- ment vehicle manufacturer part is not in pro- duction or distribution we may use a like, kind and quality replacement part. O. DEDUCTIBLE AMENDMENTS The following are added to the Deductible provi- sion of SECTION III — PHYSICAL DAMAGE COVERAGE: If another policy or coverage form that is not an automobile policy or coverage form issued by this company applies to the same "accident", the following applies: 1. If the deductible under this coverage is the smaller (or smallest) deductible, it will be waived: 2. If the deductible under this coverage is not the smaller (or smallest) deductible, it will be reduced by the amount of the smaller (or smallest) deductible. If a Comprehensive or Specified Causes of Loss Coverage "loss" from one "accident" involves two or more covered "autos", only the highest deductible applicable to those coverages will be applied to the "accident," if the cause of the loss is covered for those vehicles. This provision only applies if you carry Comprehensive or Specified Causes of Loss Coverage for those vehicles, and does not extend coverage to any covered "autos" for which you do not carry such coverage. No deductible applies to glass if the glass is re- paired, in a manner acceptable to us, rather than replaced. P. EXPANDED TRANSPORTATION EXPENSE Paragraph A.4.a. of SECTION III — PHYSICAL DAMAGE COVERAGE is replaced by the following: We will pay up to $50 per day to a maximum of $1500 for temporary transportation expense in- curred by you because of the total theft of a covered "auto" of the private passenger type. We will only pay for those covered "autos" for which you carry Comprehensive or Specified Causes of Loss Coverage. We will pay for tem- porary transportation expenses incurred during the period beginning 24 hours after the theft and ending, regardless of the policy's expiration, when the covered "auto" is returned to use or we pay for its "loss", Q. EXTRA EXPENSE — STOLEN AUTOS The following paragraph is added to Section A.4. of SECTION III — PHYSICAL DAMAGE COVERAGE: c. We will pay for up to $5,000 for the expense of returning a stolen covered "auto' to you. We will pay only for those covered "autos" for which you carry Comprehensive or Spec- ified Causes of Loss Coverage. R. PHYSICAL DAMAGE LIMIT OF INSURANCE Under SECTION III — PHYSICAL DAMAGE COVERAGE, Paragraph C., Limit of Insurance is replaced by the following: C. Limit Of Insurance 1. The most we will pay for "loss" in any one "accident" is the lesser of: a. The actual cash value of the damaged or stolen property as of the time of the "loss", or b. The cost of repairing or replacing the damaged or stolen property. 2. $2000 is the most we will pay for "loss' in any one "accident" to all electronic equip- ment that reproduces, receives or transmits audio, visual or data signals which, at the time of "loss", is: a. Permanently installed in or upon the covered "auto" in a housing, opening or other location that is not normally used by the "auto" manufacturer for the instal- lation of such equipment. b. Removable from a permanently installed housing unit as described in Paragraph 2.a. above or is an integral part of that equipment; or c. An integral part of such equipment. 3. An adjustment for depreciation and physical condition will be made in determining actual cash value in the event of a total "loss". 4. The cost of repairing or replacing may: Page 4 of 7 Includes copyrighted material of Insurance Services Office, Inc with its permission. ,i. "a Ria4ManVantentDM96 REviEWEDqq&APPROnveoHr. 'I FT:+�'t4 F1 i t'---� Risk ManagewntSpeciaht a. Be based on an estimate which includes parts furnished by the original equip- ment manufacturer or other sources in- cluding non -original equipment manu- facturers and b. If a repair or replacement results in bet- ter than like kind or quality, we will not pay for the amount of the net improve- ment. 5. If we offer to pay the actual cash value of the damaged or stolen property, we will value auto advertising wraps, paint customi- zation, and similar business related advertis- ing modifications, in addition to the actual cash value of the property. Auto advertising wraps, paint customization, and similar business related advertising modifications will be valued at the cost to replace them with an adjustment made for depreciation and physical condition. S. NEW VEHICLE REPLACEMENT COST The following is added to the Limit of Insurance provision of SECTION III — PHYSICAL DAMAGE COVERAGE: 5. The provisions of paragraphs Land 3. do not apply to a covered "auto" of the private passenger type or a vehicle with a gross ve- hicle weight rating of 20,000 pounds or less which is a "new vehicle." In the event of a total 'loss" to your "new ve- hicle" to which this coverage applies, we will pay at your option: a. The verifiable "new vehicle" purchase price you paid for your damaged vehi- cle, not including any insurance or war- ranties purchased; b. If it is available, the purchase price, as negotiated by us, of a "new vehicle' of the same make, model, and equipment or the most similar model available, not including any furnishings, parts, or equipment not installed by the manufac- turer or manufacturers' dealership; or . c. The market value of your damaged ve- hicle, not including any furnishings, parts, or equipment not installed by the manufacturer or manufacturer's dealer- ship. We will not pay for initiation or set up costs associated with loans or leases As used in this endorsement, a "new vehi- cle' means an "auto' of which you are the original owner that has not been previously COMMERCIAL AUTO AC 70 06 03 16 titled and which you purchased less than 365 days before the date of the "loss". T. PHYSICAL DAMAGE COVERAGE EXTENSIONS Under SECTION III — PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Exten- sions, b. Loss of Use Expenses is replaced by the following: b. Loss of Use Expenses For Hired Auto Physical Damage, we will pay expenses for which an "insured" becomes legally responsible to pay for loss of use of a vehicle rented or hired without a driver, under a written rental contract or agreement. We will pay for loss of use expenses if caused by: (1) Other than collision if the Decla- rations indicate that Comprehen- sive Coverage is provided for any covered "auto"; (2) Specified Causes of Loss only if the Declarations indicate that Specified Causes of Loss Cover- age is provided for any covered "auto"; or (3) Collision only if the Declarations indicate that Collision Coverage is provided for any covered "auto." However, the most we will pay for any expenses for loss of use is $50 per day, to a maximum of $1,500. The insurance provided by this provision is excess over any other collectible insurance. U. BUSINESS INCOME AND EXTRA EXPENSE COVERAGE 1. Business Income Coverage We will pay the actual loss of business in- come sustained by you as a result of the necessary suspension of your business dur- ing the period of restoration due to "loss" to a covered "auto' used in your business. The loss must be caused by a cause of loss cov- ered under item Al of Physical Damage Coverage in this Coverage Part. 2. Extra Expense Coverage We will pay the necessary and reasonable extra expenses that you incur during the pe- riod of restoration that you would not have incurred had there been no 'loss" to a cov- ered "auto' used in vour business. The. loss AC 70 06 03 16 Includes copyrighted material of Insurance Services Office, Inc. with its permission ,On4re �:.. ,L PJAManegtmeraDivielan REMEWEQ&APPROVm6r. o,.. > 41u i�tcave � RBk Management Specialist C COMMERCIAL AUTO AC 70 06 03 16 must be caused by a cause of loss listed under item Al of Physical Damage Cover- age in this Coverage Part. Extra Expenses means those expenses you incur to avoid or minimize the suspension of business and to continue your business operations. 3. Additional Conditions We will not pay for "loss" or expenses caused by suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of your business, we will cover such "loss' that affects your business income. We will not pay under this coverage if you do not repair or replace the covered "auto". You must resume all or part of your business as quickly as possible. If you have other autos you can use to reduce the amount of loss payable under this cov- erage, you are required to use them. We will pay for expenses you incur to reduce the amount that otherwise would have been payable under this coverage. We will not pay more than the amount by which you ac- tually reduce the business income loss or extra expense incurred. 4. Limit The most we will pay for "loss" arising out of one covered "auto" is $10,000 per loss with an annual aggregate of $20,000. Payment applies in addition to the otherwise applica- ble amount of each coverage you have on a covered "auto". 5. Definitions a. "Business Income" means the: 1.). Net income (Net profit or loss before income taxes) that would have been earned or incurred if no loss would have occurred; and 2.). Continuing normal operating expenses incurred, including payroll. b. "Period of Restoration" means the period of time that: 1.). Begins: (a) 24 hours after the time of loss for Business Income Coverage; or (b) Immediately after the time of loss for Extra Expense Coverage; and 2.) Ends at the earliest of: (a) The time required to resume your normal business opera- tions; or (b) The time that is reasonably necessary to repair or replace the covered auto with a maxi- mum time period of 180 days. Period of Restoration does not include any increased period required due to the enforcement of any ordinance or law that re- quires any insured or others to test for, monitor, clean up, re- move, contain, treat, detoxify or neutralize or in any way respond to or assess the effects of pollu- tants. The expiration date of this policy will not cut short the peri- od of restoration. V. TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US The following is added to the Transfer Of Rights Of Recovery Against Others To Us Condition: We waive any right of recovery we may have against any person or organization to the extent required of you by a written con- tract executed prior to any "accident" be- cause of payments we make for damages under this coverage form. W. NOTICE OF AND KNOWLEDGE OF OCCURRENCE SECTION IV — BUSINESS AUTO CONDITIONS, Paragraph A is amended as follows: 6. NOTICE OF AND KNOWLEDGE OF OCCURRENCE a. Your obligation in the Duties in the Event of Accident, Claim, Suit or Loss Condi- tion relative to notification require- ments applies only when the "accident" or "loss" is known to: (1) You, if you are an individual; (2) A partner, if you are a partnership; (3) A member, if you are a limited liability company; or (4) An executive officer or insurance manager, if you are a corporation. b. Your obligation in the. Duties in the Event of Accident, Claim, Suit or Loss Condition relative to providing us with documents concerning a claim or "suit" will not be Page 6 of 7 Includes copyrighted material of Insurance Services Office, Inc. with its permission g 4 q PjAmanagemenLDW[om REVIEWED&APPROVED BY: fi,. Aea uGo Risk ManagementSpedahst considered breached unless the breach occurs after such claim or "suit" is known to: (1) You, if you are an individual; (2) A partner, if you are a partnership; (3) A member, if you are a limited liability company; or (4) An executive officer or insurance manager, if you are a corporation. X. HIRED CAR— COVERAGE TERRITORY Item (5) of the Policy Period, Coverage Territory General Condition is replaced by the following: (5) Anywhere in the world if a covered "auto" is leased, hired, rented or borrowed without a driver for a period of 30 days or less; and Y. EMERGENCY LOCKOUT We will reimburse you up to $100 for reasonable expense incurred for the services of a locksmith to gain entry into your covered "auto" subject to these provisions: 1. Your door key, electronic key or key entry pad has been lost, stolen or locked in your COMMERCIAL AUTO AC 70 06 03 16 covered "auto" and you are unable to enter such "auto", or 2. Your keyless entry device battery dies and you are unable to enter such "auto" as a result, 3. Your key, electronic key or key entry pad has been lost or stolen and you have changed the lock to prevent an unauthorized entry; and 4. Original copies of receipts for services of a locksmith must be provided before reimbursement is payable. Z. CANCELLATION CONDITION Paragraph A.2. of the COMMON POLICY CONDITION — CANCELLATION applies except as follows: If we cancel for any reason other than nonpay- ment of premium, we will mail or deliver to the First Named Insured written notice of cancella- tion at least 60 days before the effective date of cancellation. This provision does not apply in those states that require more than 60 days prior notice of cancellation. AC 70 06 03 16 Includes copyrighted material of Insurance Services Office, Inc. with its permission " RialeManegementDlWeWn off' RWEWED&APPRoovm By: 1 L1 A41U Ff6Rt/B{nA ANWRisk Management Specialist WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC990410C (Ed. 01-19) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT-CALIFORNIA BLANKET BASIS We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) The additional premium for this endorsement shall be calculated by applying a factor of 2%to the total manual premium, with a minimum initial charge of $350, then applying all other pricing factors for the policy to this calculated charge to derive the final cost of this endorsement. This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule. Schedule Blanket Waiver Person/Organization Blanket Waiver — Any person or organization for whom the Named Insured has agreed by written contract to furnish this waiver. Job Description Waiver Premium (priorto adjustments) All CA Operations 304.00 This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The Information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective: 07/01/2021 Policy No.: TOWC224428 Endorsement No.: Insured: Premium $ Insurance Company: Oak River Insurance Company Countersigned by WC 99 04 10 C (Ed. 01-19) o+lze ,. W%4MaNay+e�[�sntl7blelon y■lI`` vrE\nE D&APPRWqM�Br. �) P'16-w4,,(1 t"��� Rkk Mana9ebmn[Spedrfst ' Ejhjubmmz!tjhofe! DATE (MM/DD/YYYY) Bohjf! CERTIFICATE OF LIABILITY INSURANCE cz!Bohjf!1802203133 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS Bdfwfep! CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES Bdfwf BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED Ebuf;! REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. 3133/18/36! IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on ep 2:;3:;41!.18(11( this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). CONTACT PRODUCER Lfssz!!!Xblfmz NAME: Cboojtufs!'!Bttpdjbuft!Jotvsbodf!Bhfodz FAX PHONE )825*!647.7197)825*!647.5165 (A/C, No): (A/C, No, Ext): DB!Mjdfotf!$17:2182 E-MAIL 416!28ui!Tusffu lfsszAcbj.jot/dpn ADDRESS: Ivoujohupo!Cfbdi!DB!:3759.531: INSURER(S) AFFORDING COVERAGENAIC # Dpoujofoubm!Dbtvbmuz!Dpnqboz31554 INSURER A : ):5:*!4::.:161 INSURED Obujpoxjef!Nvuvbm!Jotvsbodf!Dp34898 INSURER B : Upxotfoe!Qvcmjd!Bggbjst-!Jod/ Pbl!Sjwfs!Jotvsobdf!Dpnqboz45741 INSURER C : 2512!Epwf!Tusffu-!Tvjuf!441 Cfb{mfz!Jotvsbodf!Dpnqboz48651 INSURER D : INSURER E : Ofxqpsu!Cfbdi!DB!:3771 INSURER F : Dfsu!JE!22:64 COVERAGESCERTIFICATE NUMBER:REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. ADDLSUBR POLICY EFFPOLICY EXP INSR TYPE OF INSURANCELIMITS POLICY NUMBER LTR(MM/DD/YYYY)(MM/DD/YYYY) INSDWVD COMMERCIAL GENERAL LIABILITY BY!!!2-111-111 EACH OCCURRENCE$ DAMAGE TO RENTED Y CLAIMS-MADEOCCUR$ Z C!718568466819042031331904203134!!!!!411-111 PREMISES (Ea occurrence) MED EXP (Any one person)$ !!!!!!21-111 PERSONAL & ADV INJURY$ !!!2-111-111 GEN'L AGGREGATE LIMIT APPLIES PER:GENERAL AGGREGATE$ !!!3-111-111 PRO- Y POLICYLOCPRODUCTS - COMP/OP AGG$ !!!3-111-111 JECT $ OTHER: COMBINED SINGLE LIMIT AUTOMOBILE LIABILITY$ !!!2-111-111 (Ea accident) ANY AUTO BODILY INJURY (Per person)$ CYZ BDQ!415986386816012031331601203134 OWNEDSCHEDULED BODILY INJURY (Per accident)$ AUTOS ONLYAUTOS NON-OWNED HIREDPROPERTY DAMAGE $ (Per accident) AUTOS ONLYAUTOS ONLY $ UMBRELLA LIAB BYY C!718568467119042031331904203134 EACH OCCURRENCE$ !!!6-111-111 OCCUR EXCESS LIAB CLAIMS-MADEAGGREGATE$ !!!6-111-111 $ Y!!!!21-111 DEDRETENTION$ PEROTH- WORKERS COMPENSATION Y STATUTEER DZ UPXD43822518012031331801203134 AND EMPLOYERS' LIABILITY Y / N ANYP ROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT$ !!!2-111-111 N / A OFFICER/MEMBER EXCLUDED? !!!2-111-111 (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE$ If yes, describe under !!!2-111-111 E.L. DISEASE - POLICY LIMIT$ DESCRIPTION OF OPERATIONS below EQspgfttjpobm!Mjbcjmjuz X412EG32121219042031321904203133 Mjnju!)fbdi $ !!!3-111-111 dmbjn*; jodm!Qfstpobm0Bew!jokvsz Sfufoujpo;!%6-111 Mjnju!)bhhsfhbuf*; $!!!5-111-111 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Djuz!pg!Tboub!Bob-!jut!pggjdfst-!bhfout-!fnqmpzfft-!boe!wpmvouffst!bsf!obnfe!bt!beejujpobm!jotvsfet xjui!sftqfdut!hfofsbm!boe!bvup!mjbcjmjuz!qpmjdz!mjnjut/!Qsjnbsz!boe!opo.dpousjcvupsz!xpsejoh bqqmjft!xjui!sftqfdut!hfofsbm!boe!bvup!mjbcjmjuz!qpmjdz!mjnjut/!Xbjwfs!pg!tvcsphbujpo!bqqmjft!xjui sftqfdut!xpslfs(t!dpnqfotbujpo!qpmjdz!mjnjut/!41.ebz!opujdf!pg!dbodfmmbujpo!gps!voefsxsjujoh sfbtpot!boe!21.ebz!opujdf!pg!dbodfmmbujpo!gps!opo.qbznfou!pg!qsfnjvn!xjmm!cf!tfou!jo!uif!fwfou!pg dpnqboz!fmfdujpo/ CERTIFICATE HOLDERCANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. Djuz!pg!Tboub!Bob Sjtl!Nbobhfnfou!Ejwjtjpo AUTHORIZED REPRESENTATIVE 31!Djwjd!Dfoufs!Qmb{b- 5ui!Gmpps Tboub!Bob!DB!:3812 © 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03)The ACORD name and logo are registered marks of ACORD Qbhf!2!pg!2 SB300113D (Ed.6-16) ADDITIONALINSURED-DESIGNATEDPERSONORORGANIZATION Thisendorsementmodifiesinsuranceprovidedunderthefollowing: BUSINESSOWNERSLIABILITYCOVERAGEFORM SCHEDULE NameOfPersonOrOrganization: InformationrequiredtocompletethisSchedule,ifnotshownonthisendorsement,willbeshownintheDeclarations. WHOISANINSURED Itisunderstoodandagreedthatthesectionentitledisamendedwiththeadditionofthefollowing: A. ThepersonororganizationshownintheScheduleisaninsured,butonlywithrespecttosuchpersonororganization's liabilityfor"bodilyinjury,""propertydamage"or"personalandadvertisinginjury"caused,inwholeorinpart,byyour actsoromissionsortheactsoromissionsofthoseactingonyourbehalf: 1. intheperformanceofyourongoingoperations;or 2. inconnectionwithpremisesownedbyorrentedtoyou. B. However,ifcoveragefortheadditionalinsuredisrequiredbywrittencontractorwrittenagreement,subjectalwaysto thetermsandconditionsofthispolicy,includingthelimitsofinsurance,wewillnotprovidesuchadditionalinsured with: 1. coveragebroaderthanrequiredbysuchcontractoragreement;or 2. ahigherlimitofinsurancethanrequiredbysuchcontractoragreement. C. Thecoveragegrantedbythisendorsementdoesnotapplyto"bodilyinjury"or"propertydamage"includedwithinthe "products-completedoperationshazard." Anycoveragegrantedbythisendorsementshallapplysolelytotheextentpermissiblebylaw. AllothertermsandconditionsofthePolicyremainunchanged. SB300113D(Ed.6-16) Page1of1 Copyright,CNAAllRightsReserved. SB-300120-C (Ed.06/11) THISENDORSEMENTCHANGESTHEPOLICY.PLEASEREADITCAREFULLY. ADDITIONALINSURED–OWNERS,LESSEESORCONTRACTORS– SCHEDULEDPERSONORORGANIZATION-WITHPRODUCTSCOMPLETED OPERATIONSCOVERAGE Thisendorsementmodifiesinsuranceprovidedunderthefollowing: BUSINESSOWNERSLIABILITYCOVERAGEFORM SCHEDULE* NameOfPersonOrOrganization: *InformationrequiredtocompletethisSchedule,ifnotshownonthisendorsement,willbeshownintheDeclarations. A.C.WhoIsAn1. ThefollowingisaddedtoParagraphTherenderingof,orthefailuretorenderany Insured: professionalarchitectural,engineering,or surveyingservices,including: 4. Anyperson(s)ororganization(s)showninthe (a) Scheduleisalsoanadditionalinsured,butonlyThepreparing,approving,orfailingtoprepare withrespecttoliabilityfor"bodilyinjury,""propertyorapprovemaps,shopdrawings,opinions, damage"or"personalandadvertisinginjury,"reports,surveys,fieldorders,changeorders caused,inwholeorinpart,by:ordrawingsandspecifications;and a.(b) Youractsoromissions;orSupervisory,inspection,architecturalor engineeringactivities. b. Theactsoromissionsofthoseactingonyour 2. behalf"BodilyInjury,""propertydamage,"or"personal andadvertisinginjury"arisingoutofanypremises intheperformanceofyourongoingoperationsfor orworkforwhichtheadditionalinsuredis theadditionalinsured(s);atthelocation(s) specificallylistedasanadditionalinsuredon designatedabove;or anotherendorsementattachedtothisPolicy. c. "Yourwork"thatisincludedinthe"products- C.ParagraphH. Thefollowingisaddedtoofthe completedoperationshazard"andperformed BusinessownersCommonPolicyConditions: fortheadditionalinsured,butonlyifthis H.OtherInsurance Policyprovidessuchcoverage,andonlyifthe writtencontractorwrittenagreementrequires Thisinsuranceisexcessoveranyotherinsurance youtoprovidetheadditionalinsuredsuch namingtheadditionalinsuredasaninsured coverage. whetherprimary,excess,contingentoronany B. Theinsuranceprovidedtotheadditionalinsureddoesotherbasisunlessawrittencontractorwritten notapplyto"bodilyinjury,""propertydamage,"oragreementspecificallyrequiresthatthisinsurance "personalandadvertisinginjury"arisingoutof:beeitherprimaryorprimaryandnoncontributing. SB-300120-CPage1of1 (Ed.06/11) CNA80103XX (09-14) THISENDORSEMENTCHANGESTHEPOLICY.PLEASEREADITCAREFULLY. PRIMARYANDNONCONTRIBUTORY- OTHERINSURANCECONDITION Thisendorsementmodifiesinsuranceprovidedunderthefollowing: BUSINESSOWNERSCOMMONPOLICYCONDITIONS H.OtherInsurance ThefollowingisaddedtoParagraphandsupersedesanyprovisiontothecontrary: PrimaryAndNoncontributoryInsurance Thisinsuranceisprimarytoandwillnotseekcontributionfromanyotherinsuranceavailabletoanadditionalinsured underyourpolicyprovidedthat: 1. TheadditionalinsuredisaNamedInsuredundersuchotherinsurance;and 2. Youhaveagreedinwritinginacontractoragreementthatthisinsurancewouldbeprimaryandwouldnotseek contributionfromanyotherinsuranceavailabletotheadditionalinsured. AllothertermsandconditionsofthePolicyremainunchanged. CNA80103XX(09-14) Page1of1 Copyright,CNAAllRightsReserved.IncludescopyrightedmaterialofInsuranceServicesOffice,Inc.,withitspermission COMMERCIAL AUTOAC70 06 0316 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESSAUTO PROTECTION -PLATINUM This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM SUMMARY OF COVERAGES A.Effect of This Endorsement B.Newly Acquired of Formed Entities C.Employees as insureds –Nonowned Autos D.Additional Insured by Contract, Permit or Agreement E.Supplementary Payments –Bail Bonds F.Supplementary Payments –Loss of Earnings G.Personal Effects and Property of Others Extension H.Prejudgment Interest Coverage I.Fellow Employees J.Hired Auto Physical Damage K.Temporary Substitute Autos –PhysicalDamage Coverage L.Expanded Towing Coverage M.Auto Loan or Lease Coverage N.Original Equipment Manufacturer Parts – Leased Private Passenger Types O.Deductible Amendments P.Expanded Transportation Expense Q.Extra Expense – Stolen Autos R.Physical Damage Limit of Insurance S.New Vehicle Replacement Cost T.Physical Damage Coverage Extensions U.Business Income and Extra Expense Coverage V.Transfer of Rights Of Recovery Against Others To Us W.Section IV – Business Auto Conditions – Notice of and Knowledge of Occurrence X.Hired Car Coverage Territory Y.Emergency Lockout Z.Cancellation Condition AC 70 06 03 16 Includes copyrighted material of Insurance Services Office, Inc. Page 1 of 7 with its permission COMMERCIAL AUTO AC 70 06 03 16 Ifspecificallyrequiredbythewrittencontractor A.EFFECT OF THIS ENDORSEMENT agreementreferencedintheparagraphabove, Coverage provided under this policy is modified anycoverageprovidedbythisendorsementto by the provisions of this endorsement. If there anadditionalinsuredshallbeprimaryand is any conflict between the provisions of this anyothervalidandcollectibleinsuranceavail- endorsement and the provision(s) of any state- abletotheadditionalinsuredshallbenon- specific endorsement also attached to this poli- contributorywiththisinsurance.Ifthewritten cy, then the provision(s) of the state-specific doesnotrequirethiscoveragetobe contract endorsement shall apply instead of the provi- primary andtheadditionalinsured’scoverageto sions of this endorsement that are in conflict, thisinsurancewillbe benon-contributory,then but only to the extent of the conflict, and only to excessoveranyothervalidandcollectibleinsur- the extent necessary to bring such provisions anceavailabletotheadditionalinsured. into conformance with the state requirement(s) E.SUPPLEMENTARY PAYMENTS – BAIL contained in the provision(s) of the state-specific BONDS endorsement. Supplementary Payments ofSECTION II – B.NEWLY ACQUIRED OR FORMED ENTITIES COVERED AUTOS LIABILITY COVERAGEis The Named Insured shown in the Declarations is revised as follows: amended to include any organization you newly (2)Up to $3,000 for cost of bail bonds (including acquire or form, other than a partnership, joint bonds for related traffic law violations) re- venture, or limited liabilitycompany, and over quired because of an “accident” we cover. which you maintainownership or majority (more We do not have to furnish these bonds. than 50%) interest;if there is no other similar in- F.SUPPLEMENTARY PAYMENTS – LOSS OF surance available to that organization.Coverage th EARNINGS under this provision is afforded until the180 day after you acquire or form the organization or Supplementary Paymentsof SECTION II – the end of the policy period, whichever is later. COVERED AUTOS LIABILITY COVERAGEis C.EMPLOYEES AS INSUREDS – NONOWNED revised as follows: AUTOS (4)All reasonable expenses incurred by the “in- The following is added to paragraph A.1. Who Issured” at our request, including actual loss An Insured of SECTION II – COVERED AUTOSof earnings up to $1,000 a day because of LIABILITY COVERAGE:time off from work. d.Any "employee" of yours is an "insured"G.PERSONAL EFFECTS AND PROPERTY OF while using a covered "auto" you don't own,OTHERS EXTENSION hire or borrow in your business or your per- 1.TheCare, Custody or Control Exclusion of sonal affairs. SECTION II – COVERED AUTOS LIABILITY D.ADDITIONAL INSURED BY CONTRACT, COVERAGE, does not apply to "property dam- PERMIT OR AGREEMENT age" to property, other than your property, up to an amount not exceeding $500in any one "acci- ThefollowingisaddedtoA.1.WhoIsAn In- dent". Coverage is excess over any other valid suredofSECTION II – COVERED AUTOS and collectible insurance. LIABILITY COVERAGE: 2.The following paragraph is added to A.4. Anypersonororganizationthatyouare re- Coverage Extensions of SECTION III - quiredtonameasanadditionalinsuredin a PHYSICAL DAMAGE COVERAGE: agreementthatisexecuted writtencontractor orsignedbyyoupriorto a “bodilyinjury”orc.We will pay up to $1,000 for your prop- “insured” “propertydamage”occurrenceisanerty that is lost or damaged as a result forCovered Auto Liabilitycoverage.How-of a covered “loss”, without applying a ever,withrespecttocovered“autos”,suchdeductible. Coverage is excess over insuredonlyto personororganizationisanany other valid and collectible insur- theextent thatpersonororganizationqualifiesance. asan“insured”underA.1.WhoisanInsuredof SECTION II – COVERED AUTOS LIABILITY COVERAGE: Page 2 of 7 Includes copyrighted material of Insurance Services Office,Inc. AC 70 06 03 16 with its permission COMMERCIAL AUTO AC 70 06 03 16 e.Destruction H.PREJUDGMENTINTERESTCOVERAGE The coverage that applies is the same as ThefollowingparagraphisaddedtoSECTION II the coverage provided for the vehicle being –COVERED AUTOS LIABILITY COVERAGE, replaced. 2.Coverage Extensions, a.Supplementary L.EXPANDED TOWING COVERAGE Payments: 1.We will pay up to: (7)Prejudgmentinterestawardedagainstthe “insured”onthatpartofthejudgmentwe a.$150for a covered "auto" you own of offertopaytheappli- pay.Ifwemakean the private passenger type, or cablelimitofinsurance,wewillnotpay b.$750for a covered "auto" you own that anyprejudgmentinterestbasedonthat is not of the private passenger type, tertheoffer. periodoftimeaf for towing and labor costs incurred each I.FELLOW EMPLOYEE time the covered "auto" is disabled. Howev- The Fellow Employee Exclusion of SECTION II - er, the labor must be performed at the place COVERED AUTOS LIABILITY COVERAGE, of disablement. does not apply if the “bodily Injury” results from 2.This coverage applies only for an "auto" the use of a covered “auto” you own or hire. covered on this policy for Comprehensive or The insurance provided under this provision is Specified Causes of Loss Coverage and excess over any other collectible insurance. Collision Coverages. J.HIRED AUTO PHYSICAL DAMAGE 3.Payment applies in addition to the otherwise If covered "auto" designation symbols 1or 8 ap- applicable amount of each coverage you ply to Liability Coverage and if at least one "au- have on a covered “auto”. to" you own is covered by this policy for Com- M.AUTO LOAN OR LEASE COVERAGE prehensive, Specified Causes of Loss, or Colli- 1.In the event of a total "loss" to acovered sion coverages, then the Physical Damage "auto", we will pay anyunpaid amount due coverages provided are extended to "autos" you on the loan or lease, including up to a max- lease, hire, rent or borrow without a driver; and imum of $500 forearly termination fees or provisions in the Business Auto Coverage Form penalties, for your covered "auto" less: applicable to Hired Auto Physical Damage apply a.The amount paid under SECTION III – up to alimit of $125,000. The deductible will be PHYSICAL DAMAGE COVERAGEof equal to the largestdeductible applicable to any thispolicy; and owned "auto" for that coverage. Any Compre- hensive deductible does not apply to fire or b.Any: lightning. 1)Overdue lease/loan payments at the K.TEMPORARY SUBSTITUTE AUTOS – time of the "loss"; PHYSICAL DAMAGE COVERAGE 2)Financial penalties imposed under a The following is added to paragraph C. Certain lease for excessive use,abnormal Trailers, Mobile Equipment And Temporary wear and tear or high mileage; Substitute Autos of SECTION I – COVERED 3)Security deposits not refunded by a AUTOS: lessor; If Physical Damage Coverage is provided by 4)Costs of extended warranties, Credit this Coverage Form, the following types of Life insurance, Health,Accident, or vehicles are also covered "autos" for Physi- Disability insurance purchased with cal Damage Coverage: the lease; and Any "auto" you do not own while used with 5)Carry-over balances from previous the permission of its owner as a temporary leases. substitute for a covered "auto" you own that 2.This coverage only applies to a "loss" which is out of service because of its: is also covered under this policy for Com- a.Breakdown; prehensive, Specified Causes of Loss, or b.Repair; Collision coverage. c.Servicing; d."Loss"; or AC 70 06 03 16 Includes copyrighted material of Insurance Services Office, Inc. Page 3 of 7 with its permission COMMERCIAL AUTO AC 70 06 03 16 3.Coverage does not apply to any unpaid curred byyou because of the total theft of a amount due on a loan for which the covered covered "auto" of the private passenger type. “auto” is not the sole collateral. We will only pay for those covered "autos" for N.ORIGINAL EQUIPMENT MANUFACTURER which you carry Comprehensive or Specified PARTS – LEASED PRIVATE PASSENGER Causes of Loss Coverage. We will pay for tem- TYPES porary transportation expenses incurred during the period beginning 24hours after the theft and Under Paragraph C. Limit of Insurance of ending, regardless of the policy's expiration, SECTION III – PHYSICAL DAMAGE when the covered "auto" is returned to use or we COVERAGE, Section 4 is added as follows: pay for its "loss". 4.We will use new original equipment vehicle Q. EXTRA EXPENSE – STOLEN AUTOS manufacturer parts for any private passen- ger type covered “auto” where required by The following paragraph is added to Section A.4. the lease agreement which has a term of at of SECTION III – PHYSICAL DAMAGE least sixmonths. If a new original equip-COVERAGE: ment vehicle manufacturer part is not in pro- c.We will pay for up to $5,000 for the expense duction or distribution we may use a like, of returning a stolen covered “auto” to you. kind and quality replacement part. We will pay only for those covered “autos” O. DEDUCTIBLE AMENDMENTS for which you carry Comprehensive or Spec- ified Causes of Loss Coverage. The following are added to theDeductible provi- sion of SECTION III – PHYSICAL DAMAGE R. PHYSICAL DAMAGE LIMIT OF INSURANCE COVERAGE: Under SECTION III – PHYSICAL DAMAGE If another policy or coverage form that is not an COVERAGE, Paragraph C., Limit of Insurance automobile policy or coverage form issued by is replaced by the following: this company applies to the same “accident”,the C. Limit Of Insurance following applies: 1.The most we will pay for “loss” in any one 1.If the deductible under this coverage is the “accident” is the lesser of: smaller (or smallest) deductible, it will be a.The actual cash value of the damaged waived: or stolen property as of the time of the 2.If the deductible under this coverage is not “loss”, or the smaller (or smallest) deductible, it will be b.The cost of repairing or replacing the reduced by the amount of the smaller (or damaged or stolen property. smallest) deductible. 2. $2000is the most we will pay for “loss” in If a Comprehensive or Specified Causes of Loss any one “accident” to all electronic equip- Coverage “loss” from one “accident” involves ment that reproduces, receives or transmits two or more covered “autos”, only the highest audio, visual or data signals which, at the deductible applicable to those coverages will be time of “loss”, is: applied to the “accident,” if the cause of the loss a.Permanently installed in or upon the is covered for those vehicles. This provision only covered “auto” in a housing, opening or applies if you carry Comprehensive or Specified other location that is not normally used Causes of Loss Coverage for those vehicles, by the “auto” manufacturer for the instal- and does not extend coverage to any covered lation of such equipment. “autos” for which you do not carry such coverage. b.Removable from a permanently installed housing unit as described in Paragraph Nodeductible applies to glass if the glass is re- 2.a. above or is an integral part of that paired, in a manner acceptable to us, rather than equipment; or replaced. c.An integral part of such equipment. P. EXPANDED TRANSPORTATION EXPENSE 3.An adjustment for depreciation and physical Paragraph A.4.a. of SECTION III – PHYSICAL condition will be made in determining actual DAMAGE COVERAGEis replaced by the cash value in the event of a total “loss”. following: 4.The cost of repairing or replacing may: We will pay up to $50 per day to a maximum of $1500 for temporary transportation expense in- Page 4 of 7 Includes copyrighted material of Insurance Services Office, IncAC 70 06 03 16 with its permission. COMMERCIAL AUTO AC 70 06 03 16 a.Be based on an estimate which includes titled and which you purchased less than parts furnished by the original equip- 365 days before the date of the “loss”. mentmanufacturer or other sources in- cluding non-original equipment manu- T. PHYSICAL DAMAGE COVERAGE facturers and EXTENSIONS b.If a repair or replacement results in bet- UnderSECTION III – PHYSICAL DAMAGE ter than like kind or quality, we will not COVERAGE, A. Coverage, 4. Coverage Exten- pay for the amount of the net improve- sions, b. Loss of Use Expenses is replaced by ment. the following: 5.If we offer to pay the actual cash value of b.Loss of Use Expenses the damaged or stolen property, we will For Hired Auto Physical Damage, we will value auto advertising wraps, paint customi- pay expenses for which an “insured” zation, and similar business related advertis- becomes legally responsible to pay for loss ing modifications, in addition to the actual of use of a vehicle rented or hired without a cash value of the property. Auto advertising driver, under a written rental contract or wraps, paint customization, and similar agreement. We will pay for loss of use business related advertising modifications expenses if caused by: will be valued at the cost to replace them with an adjustment made for depreciation (1)Other than collision if the Decla- and physical condition. rations indicate that Comprehen- sive Coverage is provided for any S. NEW VEHICLE REPLACEMENT COST covered “auto”; The following is added to the Limit of Insurance (2)Specified Causes of Loss only if provision ofSECTION III – PHYSICAL the Declarations indicate that DAMAGE COVERAGE: Specified Causes of Loss Cover- 5.The provisions of paragraphs 1.and 3. do age is provided for any covered not apply to a covered “auto“ of the private “auto”; or passenger type or a vehicle with a gross ve- (3)Collision only if the Declarations hicle weightratingof 20,000 pounds or less indicate that Collision Coverage which is a “new vehicle.” is provided for any covered In the event of a total “loss” to your “new ve- “auto.” hicle” to which this coverage applies, we will However, the most we will pay for any pay at your option: expenses for loss of use is $50 per day, to a a.The verifiable “new vehicle” purchase maximum of $1,500. The insurance provided price you paid for your damaged vehi- by this provision is excess over any other cle, not including any insurance or war- collectible insurance. ranties purchased; U. BUSINESS INCOME AND EXTRA EXPENSE b.If it is available, the purchase price, as COVERAGE negotiated by us, of a “new vehicle” of 1.Business Income Coverage the same make, model, and equipment or the most similar model available, not We will pay the actual loss of business in- including any furnishings, parts, or come sustained by you as a result of the equipment not installed by the manufac- necessary suspension of your business dur- turer or manufacturers’ dealership; or . ing the period of restoration due to “loss” to a covered “auto” used in your business. The c.The market value of your damaged ve- loss must be caused by a cause of loss cov- hicle, not including any furnishings, ered under item A1 of Physical Damage parts, or equipment not installed by the Coverage in this Coverage Part. manufacturer or manufacturer’s dealer- ship. 2.Extra Expense Coverage We will not pay for initiation or set up costs We will pay the necessary and reasonable associated with loans or leases extra expenses that you incur during the pe- riod of restoration that you would not have As used in this endorsement, a “new vehi- incurred had there been no “loss” to a cov- cle” means an “auto” of which you are the ered “auto” used in your business. The loss original owner that has not been previously AC 70 06 03 16Includes copyrighted material of Insurance Services Office, Inc. Page 5 of 7 with its permission COMMERCIAL AUTO AC 70 06 03 16 (a) The time required to resume must be caused by a cause of loss listed your normal business opera- under item A1 of Physical Damage Cover- tions;or age in this Coverage Part. Extra Expenses means those expenses you incur to avoid or (b) The time that is reasonably minimize the suspension of business and to necessary to repair or replace continue your business operations.the covered autowitha maxi- mum time period of 180 days. 3.Additional Conditions Period of Restoration does not We will not pay for “loss” or expenses include any increased period caused by suspension, lapse or cancellation required due to the enforcement of any license, lease or contract. But if the of any ordinance or law that re- suspension, lapse or cancellation is directly quires any insured or others to caused by the suspension of your business, test for, monitor, clean up, re- we will cover such “loss” that affects your move, contain, treat, detoxify or business income. We will not pay under this neutralize or in any way respond coverage if you do not repair or replace the to or assess the effects of pollu- covered “auto”.You must resume all or part tants. The expiration date of this of your business as quickly as possible. If policy will not cut short the peri- you have other autos you can use to reduce od of restoration. the amount of loss payable under this cov- V. TRANSFER OF RIGHTS OF RECOVERY erage, you are required to use them. We will AGAINST OTHERS TO US pay for expenses you incur to reduce the amount that otherwise would have been The following is added to theTransfer Of Rights payable under this coverage. We will not Of Recovery Against Others To Us Condition: pay more than the amount by which you ac- We waive any right of recovery we may tually reduce the business income loss or have against any person or organization to extra expense incurred. the extent required of you by a written con- 4.Limit tract executed prior to any “accident” be- cause of payments we make for damages The most we will pay for “loss” arising out of under this coverage form. one covered “auto” is $10,000per loss with an annual aggregate of $20,000. Payment W. NOTICE OF AND KNOWLEDGE OF applies in addition to the otherwise applica- OCCURRENCE ble amount of each coverageyou have on a SECTION IV – BUSINESS AUTO covered “auto”. CONDITIONS, Paragraph A isamended as 5.Definitions follows: a."Business Income" means the: 6.NOTICEOFANDKNOWLEDGEOF 1.).Netincome (Net profit or loss before OCCURRENCE income taxes) that would havebeen a.YourobligationintheDutiesintheEvent earned or incurred if no losswould of Accident,Claim,SuitorLossCondi- have occurred; and tionrelativetonotification require- 2.). Continuing normal operating mentsappliesonlywhenthe“accident” expensesincurred, including payroll. or“loss”isknownto: b. ”Periodof Restoration" means the (1)You,if youareanindividual; periodof time that: (2)A partner,if youare a partnership; 1.).Begins: (3)A member, ifyou area limited liability (a) 24 hours after the time ofloss company; or for Business Income Coverage; (4)An executive officer or insurance or manager, if you are a corporation. (b) Immediately after the time of b.Your obligation in the.Duties inthe Event loss for Extra Expense ofAccident, Claim, Suit or Loss Condition Coverage;and relativetoprovidinguswithdocuments 2.)Ends at the earliest of: concerning a claimor“suit”willnotbe Page 6 of 7 Includes copyrighted material of Insurance Services Office, Inc. AC 70 06 03 16 with its permission COMMERCIAL AUTO AC 70 06 03 16 consideredbreachedunlessthebreachcovered“auto” and you are unable to enter occursaftersuchclaim or“suit”isknownsuch “auto” , or to: 2.Your keyless entry device battery dies and (1)You,if youareanindividual; you are unable to enter such "auto" as a result, (2)A partner, ifyouare a partnership; 3.Your key, electronic keyor key entry pad (3)A member, ifyou are a limitedliability has been lost or stolen and you have company;or changed the lock to prevent an unauthorized (4)An executive officer or insurance entry; and manager, if you are a corporation. 4.Original copies of receipts for services of a locksmith must be provided before X. HIRED CAR – COVERAGE TERRITORY reimbursement is payable. Z. CANCELLATION CONDITION Item (5)of the Policy Period,CoverageTerritory General Conditionisreplacedbythefollowing: Paragraph A.2. of the COMMON POLICY CONDITION – CANCELLATION applies except (5)Anywhere in the world if a covered“auto” as follows: isleased,hired,rentedorborrowedwithout a If we cancel for any reason other than nonpay- driverfor a periodof30daysorless;and ment of premium, we will mail or deliver to the Y. EMERGENCY LOCKOUT First Named Insured written notice of cancella- We will reimburse you up to $100 for reasonable tion at least 60 days before the effective date of expense incurred for the services of a locksmith cancellation. This provision does not apply in to gain entry into your covered “auto” subject to those states that require more than 60 days prior these provisions: notice of cancellation. 1.Your door key, electronic keyor key entry pad has been lost, stolen or locked in your AC 70 06 03 16Includes copyrighted material of Insurance Services Office, Inc. Page 7 of 7 with its permission DATE(MM/DD/YYYY) A`�"� CERTIFICATE OF LIABILITY INSURANCE 06/28/2024 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: Jonathan Severson Bannister & Associates Insurance Agency PHONE FAX CA License #OL78680 A/c No Ezt: (714) 536-6086 A/c,No:(714) 536-4054 305 17th Street E-MAIL onathan@bai-ins.com Huntington Beach CA 92648-4209 ADDRESS: 3onathan@bai-ins.com INSURER(S)AFFORDING COVERAGE NAIC# INSURERA:Continental Casualty Company 20443 INSURED INSURER B:United Financial Casualty Co 11770 Townsend Public Affairs, Inc. INSURER c:Oak River Insurnace Company 34630 1401 Dove Street, Suite 430 INSURER D:Beazley Insurance Company 37540 Newport Beach CA 92660 INSURERE: (949) 399-9050 INSURERF: COVERAGES RE CERTIFICATE NUMBER:Cert ID 14363 (271) 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. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR I POLICY NUMBER MM/DD/YYYY MM/DDIYYYY A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 CLAIMS-MADE 1XI OCCUR Y Y B 6074573557 08/31/2024 08/31/2025 PREM SESOEa oN,E ence $ 300,000 MED EXP(Any one person) $ 10,000 PERSONAL&ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY PRO � El JECT LOC PRODUCTS-COMP/OP AGG $ 2,000,000 OTHER: $ AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ Ea accident 1,000,000 B X ANY AUTO Y 972631650 08/29/2024 02/28/2025 BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY AUTOS ONLY Per accident A X UMBRELLALIAB X OCCUR B 6074573560 08/31/2024 08/31/2025 EACH OCCURRENCE $ 5,000,000 EXCESS LIAB CLAIMS-MADE AGGREGATE $ 5,000,000 DED X RETENTION$ 10,000 $ WORKERC AND EMPLOYERS' YIN Y TOWC532707 08/31/2024 08/31/2025 X PER STATUTE EERH AND EMPLOYERS'LIABILITY ANYPROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $ 1,000,000 OFFICER/MEMBER EXCLUDED? ❑ NIA (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ 1,000,000 If yes,describe under 1,000,000 DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ D Professional Liability W301DF240401 08/31/2024 08/31/2025 Limit (each claim) : g 2,000,000 incl Personal/Adv injury Retention: $5,000 Limit (aggregate) : $ 4,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) City of Santa Ana, its officers, agents, employees, and volunteers are named as additional insureds with respects general and auto liability policy limits. Primary and non-contributory wording applies with respects general and auto liability policy limits. Waiver of subrogation applies with respects general and worker's compensation policy limits. 30-day notice of cancellation for underwriting reasons and 10-day notice of cancellation for non-payment of premium will be sent in the event of company election. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. City of Santa Ana Risk Management Division 20 Civic Center Plaza, AUTHORIZED REPRESENTATIVE 4th FloorS2_ Santa Ana CA 92701 W ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD APPROVED Page 1 of 1 By Luisa Najera at 9:31 am,Feb 07,2025 CNA (Ed. 10-19) Policy#B 6074573557 BLANKET ADDITIONAL INSURED AND LIABILITY EXTENSION ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM BUSINESSOWNERS COMMON POLICY CONDITIONS TABLE OF CONTENTS I. Blanket Additional Insured Provisions A. Additional Insured—Blanket Vendors B. Miscellaneous Additional Insureds C. Additional Provisions Pertinent to Additional Insured Coverage 1.a. Primary—Noncontributory provision 1.b. Definition of"written contract" 2. Additional Insured—Extended Coverage II. Liability Extension Coverages A. Bodily Injury—Expanded Definition B. Broad Knowledge of Occurrence C. Estates, Legal Representatives and Spouses D. Fellow Employee First Aid E. Legal Liability—Damage to Premises F. Personal and Advertising Injury—Discrimination or Humiliation G. Personal and Advertising Injury— Broadened Eviction H. Waiver of Subrogation— Blanket I. BLANKET ADDITIONAL INSURED PROVISIONS A. ADDITIONAL INSURED—BLANKET VENDORS Who Is An Insured is amended to include as an additional insured any person or organization (referred to below as vendor) with whom you agreed under a "written contract" to provide insurance, but only with respect to "bodily injury" or"property damage" arising out of "your products" which are distributed or sold in the regular course of the vendor's business, subject to the following additional exclusions: 1. The insurance afforded the vendor does not apply to: a. "Bodily injury"or"property damage"for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement; N O O b. Any express warranty unauthorized by you; 0 c. Any physical or chemical change in the product made intentionally by the vendor; d. Repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; e. Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products; f. Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of the product; _ g. Products which, after distribution or sale by you, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for the vendor; or SB146932G (10-19) Page 1 of 7 Copyright,CNA All Rights Reserved. SB146932G (Ed. 10-19) h. "Bodily injury"or"property damage"arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (1) The exceptions contained in Subparagraphs d. orf.; or (2) Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. 2. This insurance does not apply to any insured person or organization, from whom you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products. 3. This provision 2. does not apply to any vendor included as an insured by an endorsement issued by us and made a part of this Policy. 4. This provision 2. does not apply if "bodily injury" or "property damage" included within the "products- completed operations hazard" is excluded either by the provisions of the Policy or by endorsement. B. MISCELLANEOUS ADDITIONAL INSUREDS 1. Who Is An Insured is amended to include as an insured any person or organization (called additional insured) described in paragraphs 3.a. through 3.j. below whom you are required to add as an additional insured on this policy under a "written contract." 2. However, subject always to the terms and conditions of this policy, including the limits of insurance, we will not provide the additional insured with: a. A higher limit of insurance than required by such "written contract;" b. Coverage broader than required by such "written contract" and in no event greater than that described by the applicable paragraph a. through k. below; or c. Coverage for "bodily injury" or "property damage" included within the "products-completed operations hazard." But this paragraph c. does not apply to the extent coverage for such liability is provided by paragraph 3.j. below. Any coverage granted by this endorsement shall apply only to the extent permitted by law. 3. Only the following persons or organizations can qualify as additional insureds under this endorsement: a. Controlling Interest Any persons or organizations with a controlling interest in you but only with respect to their liability arising out of: (1) such person or organization's financial control of you; or (2) Premises such person or organization owns, maintains or controls while you lease or occupy these premises; provided that the coverage granted to such additional insureds does not apply to structural alterations, new construction or demolition operations performed by or for such additional insured. b. Co-owner of Insured Premises A co-owner of a premises co-owned by you and covered under this insurance but only with respect to the co-owners liability for "bodily injury," "property damage" or "personal and advertising injury" as co- owner of such premises. c. Grantor of Franchise Any person or organization that has granted a franchise to you, but only with respect to such person or organization's liability for "bodily injury," "property damage," or "personal and advertising injury" as grantor of a franchise to you. SB146932G (10-19) Page 2 of 7 Copyright,CNA All Rights Reserved. SB146932G (Ed. 10-19) d. Lessor of Equipment Any person or organization from whom you lease equipment, but only with respect to liability for "bodily injury," "property damage" or "personal and advertising injury" caused in whole or in part by your maintenance, operation or use of such equipment, provided that the "occurrence" giving rise to such "bodily injury" or "property damage" or the offense giving rise to such "personal and advertising injury"takes place prior to the termination of such lease. e. Lessor of Land Any person or organization from whom you lease land, but only with respect to liability for"bodily injury," "property damage" or "personal and advertising injury" arising out of the ownership, maintenance or use of that specific part of the land leased to you, provided that the "occurrence" giving rise to such "bodily injury" or "property damage" or the offense giving rise to such "personal and advertising injury,"takes place prior to the termination of such lease. The insurance hereby afforded to the additional insured does not apply to structural alterations, new construction or demolition operations performed by, on behalf of or for such additional insured. f. Lessor of Premises An owner or lessor of premises leased to you, or such owner or lessor's real estate manager, but only with respect to liability for "bodily injury," "property damage" or "personal and advertising injury" arising out of the ownership, maintenance or use of such part of the premises leased to you, and provided that the "occurrence" giving rise to such "bodily injury" or "property damage" or the offense giving rise to such "personal and advertising injury,"takes place prior to the termination of such lease. The insurance hereby afforded to the additional insured does not apply to structural alterations, new construction or demolition operations performed by, on behalf of or for such additional insured. g. Mortgagee, Assignee or Receiver A mortgagee, assignee or receiver of premises but only with respect to such mortgagee, assignee, or receiver's liability for "bodily injury," "property damage" or "personal and advertising injury" arising out of the ownership, maintenance, or use of a premises by you. This insurance does not apply to structural alterations, new construction or demolition operations performed by, on behalf of or for such additional insured. h. State or Political Subdivisions A state or government agency or subdivision or political subdivision that has issued a permit or authorization, but only with respect to such government agency or subdivision or political subdivision's 0 liability for"bodily injury,""property damage"or"personal and advertising injury"arising out of: M (1) The following hazards in connection with premises you own, rent, or control and to which this 0 insurance applies: (a) The existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoistaway openings, sidewalk vaults, street banners, or decorations and similar exposures; or (b) The construction, erection, or removal of elevators; or (c) The ownership, maintenance or use of any elevators covered by this insurance; or (2) The permitted or authorized operations performed by you or on your behalf. But the coverage granted by this paragraph does not apply to: (a) "Bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the state or government agency or subdivision or political subdivision; or (b) "Bodily injury" or "property damage" included within the "products-completed operations hazard." With respect to this provision's requirement that additional insured status must be requested under a "written contract,"we will treat as a "written contract"any governmental permit that requires you to add the governmental entity as an additional insured. SB146932G (10-19) Page 3 of 7 Copyright,CNA All Rights Reserved. SB146932G (Ed. 10-19) I. Trade Show Event Lessor With respect to your participation in a trade show event as an exhibitor, presenter or displayer, any person or organization whom you are required to include as an additional insured, but only with respect to such person or organization's liability for "bodily injury," "property damage," or "personal and advertising injury"caused by: a. Your acts or omissions; or b. Acts or omissions of those acting on your behalf; in the performance of your ongoing operations at the trade show premises during the trade show event. j. Other Person or Organization Any person or organization who is not an additional insured under paragraphs a. through i. above. Such additional insured is an insured solely for "bodily injury," "property damage" or "personal and advertising injury"for which such additional insured is liable because of your acts or omissions. The coverage granted by this paragraph does not apply to any person or organization: (1) For "bodily injury," "property damage," or "personal and advertising injury" arising out of the rendering or failure to render any professional services; (2) For "bodily injury" or "property damage" included in the "products-completed operations hazard." But this provision (2)does not apply to such "bodily injury"or"property damage" if: (a) It is entirely due to your negligence and specifically results from your work for the additional insured which is the subject to the "written contract"; and (b) The "written contract" requires you to make the person or organization an additional insured for such "bodily injury"or"property damage"; or (3) Who is afforded additional insured coverage under another endorsement attached to this policy. C. ADDITIONAL PROVISIONS PERTINENT TO ADDITIONAL INSURED COVERAGE 1. With respect only to additional insured coverage provided under paragraphs A. and B.above: a. The BUSINESSOWNERS COMMON POLICY CONDITIONS are amended to add the following to the Condition entitled Other Insurance: This insurance is excess of all other insurance available to an additional insured whether primary, excess, contingent or on any other basis. However, if a "written contract" requires that this insurance be either primary or primary and noncontributing, then this insurance will be primary and non-contributory relative solely to insurance on which the additional insured is a named insured. b. Under Liability and Medical Expense Definitions, the following definition is added: "Written contract" means a written contract or agreement that requires you to make a person or organization an additional insured on this policy, provided the contract or agreement: (1) Is currently in effect or becomes effective during the term of this policy; and (2) Was executed prior to: (a) The "bodily injury"or"property damage;"or (b) The offense that caused the "personal and advertising injury'; for which the additional insured seeks coverage. 2. With respect to any additional insured added by this endorsement or by any other endorsement attached to this Coverage Part, the section entitled Who Is An Insured is amended to make the following natural persons insureds. If the additional insured is: a. An individual, then his or her spouse is an insured; SB146932G (10-19) Page 4 of 7 Copyright,CNA All Rights Reserved. SB146932G (Ed. 10-19) b. A partnership or joint venture, then its partners, members and their spouses are insureds; c. A limited liability company, then its members and managers are insureds; d. An organization other than a partnership, joint venture or limited liability company, then its executive officers, directors and shareholders are insureds; or e. Any type of entity, then its employees are insureds; but only with respect to locations and operations covered by the additional insured endorsement's provisions, and only with respect to their respective roles within their organizations. Furthermore, employees of additional insureds are not insureds with respect to liability arising out of: (1) "Bodily injury" or "personal and advertising injury" to any fellow employee or to any natural person listed in paragraphs a. through d. above; (2) "Property damage"to property owned, occupied or used by their employer or by any fellow employee; or (3) Providing or failing to provide professional health care services. II. LIABILITY EXTENSION COVERAGES It is understood and agreed that this endorsement amends the Businessowners Liability Coverage Form. If any other endorsement attached to this policy amends any provision also amended by this endorsement, then that other endorsement controls with respect to such provision, and the changes made by this endorsement to such provision do not apply. A. Bodily injury—Expanded Definition Under Liability and Medical Expenses Definitions, the definition of "Bodily injury" is deleted and replaced by the following: "Bodily injury" means physical injury, sickness or disease sustained by a person, including death, humiliation, shock, mental anguish or mental injury by that person at any time which results as a consequence of the physical injury, sickness or disease. B. Broad Knowledge of Occurrence Under Businessowners Liability Conditions, the Condition entitled Duties In The Event of Occurrence, Offense, Claim or Suit is amended to add the following: Paragraphs a. and b. above apply to you or to any additional insured only when such "occurrence," offense, claim or"suit" is known to: 0 (1) You or any additional insured that is an individual; N M 0 (2) Any partner, if you or an additional insured is a partnership; 0 (3) Any manager, if you or an additional insured is a limited liability company; 0 (4) Any"executive officer"or insurance manager, if you or an additional insured is a corporation; (5) Any trustee, if you or an additional insured is a trust; or (6) Any elected or appointed official, if you or an additional insured is a political subdivision or public entity. This paragraph applies separately to you and any additional insured. C. Estates, Legal Representatives and Spouses The estates, heirs, legal representatives and spouses of any natural person insured shall also be insured under this policy; provided, however, coverage is afforded to such estates, heirs, legal representatives and spouses only for claims arising solely out of their capacity as such and, in the case of a spouse, where such claim seeks damages from marital common property, jointly held property, or property transferred from such natural person insured to such spouse. No coverage is provided for any act, error or omission of an estate, heir, legal representative or spouse outside the scope of such person's capacity as such, provided however that the spouse of a natural person Named Insured and the spouses of members or partners of joint venture or partnership Named Insureds are insureds with respect to such spouses'acts, errors or omissions in the conduct of the Named Insured's business. SB146932G (10-19) Page 5 of 7 Copyright,CNA All Rights Reserved. SB146932G (Ed. 10-19) D. Fellow Employee First Aid Coverage In the section entitled Who Is An Insured, paragraph 2.a.1. is amended to add the following: The limitations described in subparagraphs 2.a.1.(a), (b) and (c) do not apply to your "employees" for "bodily injury" that results from providing cardiopulmonary resuscitation or other first aid services to a co-"employee" or "volunteer worker" that becomes necessary while your "employee" is performing duties in the conduct of your business. Your "employees" are hereby insureds for such services. But the insured status conferred by this provision does not apply to "employees" whose duties in your business are to provide professional health care services or health examinations. E. Legal Liability—Damage To Premises 1. Under B. Exclusions, 1. Applicable to Business Liability Coverage, Exclusion k. Damage To Property, is replaced by the following: k. Damage To Property "Property damage"to: 1. Property you own, rent or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property; 2. Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises; 3. Property loaned to you; 4. Personal property in the care, custody or control of the insured; 5. That particular part of any real property on which you or any contractors or subcontractors working directly or indirectly in your behalf are performing operations, if the "property damage" arises out of those operations; or 6. That particular part of any property that must be restored, repaired or replaced because "your work" was incorrectly performed on it. Paragraph 2 of this exclusion does not apply if the premises are "your work" and were never occupied, rented or held for rental by you. Paragraphs 1, 3, and 4, of this exclusion do not apply to "property damage" (other than damage by fire or explosion)to premises: (1) rented to you: (2) temporarily occupied by you with the permission of the owner, or (3) to the contents of premises rented to you for a period of 7 or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section D— Liability and Medical Expenses Limits of Insurance. Paragraphs 3, 4, 5, and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to "property damage" included in the "products- completed operations hazard." 2. Under B. Exclusions, 1. Applicable to Business Liability Coverage, the following paragraph is added, and replaces the similar paragraph, if any, beneath paragraph (14) of the exclusion entitled Personal and Advertising Injury: Exclusions c, d, e, f, g, h, i, k, I, m, n, and o, do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner or to the contents of premises rented to you for a period of 7 or fewer consecutive days. A separate limit of insurance applies to this coverage as described in Section D. Liability And Medical Expenses Limits Of Insurance. SB146932G (10-19) Page 6 of 7 Copyright,CNA All Rights Reserved. SB146932G (Ed. 10-19) 3. The first Paragraph under item 5. Damage To Premises Rented To You Limit of the section entitled Liability And Medical Expenses Limits Of Insurance is replaced by the following: The most we will pay under Business Liability for damages because of "property damage" to any one premises, while rented to you or temporarily occupied by you with the permission of the owner, including contents of such premises rented to you for a period of 7 or fewer consecutive days, is the Damage to Premises Rented to You Limit. The Damage to Premises Rented to You Limit is the greater of: a. $1,000,000; or b. The Damage to Premises Rented to You Limit shown in the Declarations. F. Personal and Advertising Injury— Discrimination or Humiliation 1. Under Liability and Medical Expenses Definitions, the definition of "personal and advertising injury" is amended to add the following: h. Discrimination or humiliation that results in injury to the feelings or reputation of a natural person, but only if such discrimination or humiliation is: (1) Not done intentionally by or at the direction of: (a) The insured; or (b) Any "executive officer," director, stockholder, partner, member or manager (if you are a limited liability company)of the insured; and (2) Not directly or indirectly related to the employment, prospective employment, past employment or termination of employment of any person or person by any insured. 2. Under B. Exclusions, 1. Applicable to Business Liability Coverage, the exclusion entitled Personal and Advertising Injury is amended to add the following additional exclusions: (15)Discrimination Relating to Room, Dwelling or Premises Caused by discrimination directly or indirectly related to the sale, rental, lease or sub-lease or prospective sale, rental, lease or sub-lease of any room, dwelling or premises by or at the direction of any insured. (16)Employment Related Discrimination Discrimination or humiliation directly or indirectly related to the employment, prospective employment, past employment or termination of employment of any person by any insured. 0 (17)Fines or Penalties M Fines or penalties levied or imposed by a governmental entity because of discrimination. N s 3. This provision (Personal and Advertising Injury — Discrimination or Humiliation) does not apply if Personal and Advertising Injury Liability is excluded either by the provisions of the Policy or by 0 endorsement. G. Personal and Advertising Injury- Broadened Eviction Under Liability and Medical Expenses Definitions, the definition of "Personal and advertising injury" is amended to delete Paragraph c. and replace it with the following: C. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room dwelling or premises that a person or organization occupies committed by or on behalf of its owner, landlord or lessor. H. Waiver of Subrogation—Blanket We waive any right of recovery we may have against: a. Any person or organization with whom you have a written contract that requires such a waiver. All other terms and conditions of the Policy remain unchanged. SB146932G (10-19) Page 7 of 7 Copyright,CNA All Rights Reserved. 30 CHQ S (Ed o61 6) Policy#B 6074573557 ADDITIONAL INSURED - DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM SCHEDULE Name Of Person Or Organization: Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Declarations. It is understood and agreed that the section entitled WHO IS AN INSURED is amended with the addition of the following: A. The person or organization shown in the Schedule is an insured, but only with respect to such person or organization's liability for"bodily injury," "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: 1. in the performance of your ongoing operations; or 2. in connection with premises owned by or rented to you. B. However, if coverage for the additional insured is required by written contract or written agreement, subject always to the terms and conditions of this policy, including the limits of insurance, we will not provide such additional insured with: 1. coverage broader than required by such contract or agreement; or 2. a higher limit of insurance than required by such contract or agreement. C. The coverage granted by this endorsement does not apply to "bodily injury" or "property damage" included within the "products-completed operations hazard." Any coverage granted by this endorsement shall apply solely to the extent permissible by law. 0 M r N d r N All other terms and conditions of the Policy remain unchanged. 0 0 0 N O O SB300113D (Ed. 6-16) Page 1 of 1 Copyright,CNA All Rights Reserved. CNA CNA8(09-14) Policy#B 6074573557 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY- OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following: BUSINESSOWNERS COMMON POLICY CONDITIONS The following is added to Paragraph H. Other Insurance and supersedes any provision to the contrary: Primary And Noncontributory Insurance This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: 1. The additional insured is a Named Insured under such other insurance; and 2. You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured. All other terms and conditions of the Policy remain unchanged. CNA80103XX(09-14) Page 1 of 1 Copyright,CNA All Rights Reserved.Includes copyrighted material of Insurance Services Office,Inc.,with its permission WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 99 0410 C (Ed. 01-19) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT-CALIFORNIA BLANKET BASIS We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) The additional premium for this endorsement shall be calculated by applying a factor of 2% to the total manual premium, with a minimum initial charge of $350, then applying all other pricing factors for the policy to this calculated charge to derive the final cost of this endorsement. This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule. Schedule Blanket Waiver Person/Organization Blanket Waiver —Any person or organization for whom the Named Insured has agreed by written contract to furnish this waiver. Job Description Waiver Premium (priortoadjustments) All CA Operations 415.00 This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective: 08/31/2024 PolicyNo.: TOWC532707 Endorsement No.: Insured: Premium$ Insurance Company: Oak River Insurance Company Countersigned by_ ___ WC990410C (Ed. 01-19) Policy#972631650 Form 2366 (02/11) BLANKET ADDITIONAL INSURED ENDORSEMENT This endorsement modifies insurance provided by the Commercial Auto Policy, Motor Truck Cargo Legal Liability Coverage Endorsement, and/or Commercial General Li- ability Coverage Endorsement, as appears on the declarations page. All terms and conditions of the policy apply unless modified by this endorsement. If you pay the fee for this Blanket Additional Insured Endorsement, we agree with you that any person or organization with whom you have executed a written agreement prior to any loss is added as an additional insured with respect to such liability cover- age as is afforded by the policy, but this insurance applies to such additional insured only as a person or organization liable for your operations and then only to the extent of that liability.This endorsement does not apply to acts, omissions, products, work, or operations of the additional insured. Regardless of the provisions of paragraph a. and b. of the "Other Insurance"clause of this policy, if the person or organization with whom you have executed a written agree- ment has other insurance under which it is the first named insured and that insurance also applies, then this insurance is primary to and non-contributory with that other insurance when the written contract or agreement between you and that person or organization, signed and executed by you before the bodily injury or property dam- age occurs and in effect during the policy period, requires this insurance to be primary and non-contributory. In no way does this endorsement waive the"Other Insurance"clause of the policy, nor make this policy primary to third parties hired by the insured to perform work for the insured or on the insured's behalf. ALL OTHER TERMS, LIMITS, AND PROVISIONS OF THE POLICY REMAIN UNCHANGED. Form 2367 (06/10) BLANKET WAIVER OF SUBROGATION ENDORSEMENT This endorsement modifies insurance provided by the Commercial Auto Policy, Motor Truck Cargo Legal Liability Coverage Endorsement, and/or Commercial General Li- ability Coverage Endorsement, as appears on the declarations page. All terms and conditions of the policy apply unless modified by this endorsement. 34 If you pay the fee for this Blanket Waiver of Subrogation Endorsement, we agree to waive any and all subrogation claims against any person or organization with whom a written waiver agreement has been executed by the named insured, as required by written contract, prior to the occurrence of any loss. ALL OTHER TERMS, LIMITS, AND PROVISIONS OF THE POLICY REMAIN UNCHANGED. Form 2368 (06/10) LOAN/LEASE GAP COVERAGE ENDORSEMENT This endorsement modifies insurance provided by the Commercial Auto Policy. All terms and conditions of the policy apply unless modified by this endorsement. INSURING AGREEMENT—LOAN/LEASE PAYOFF COVERAGE If you pay the premium for this coverage, and the insured auto for which this cover- age was purchased is deemed by us to be a total loss, we will pay, in addition to any amounts otherwise payable under Part II of your policy, the difference between: 1. the actual cash value of the insured auto at the time of the total loss; and 2. any greater amount the owner of the insured auto is legally obligated to pay under a written loan or lease agreement to which the insured auto is subject at the time of the total loss, reduced by: a. unpaid finance charges or refunds due to the owner for such charges; b. excess mileage charges or charges for wear and tear; c. charges for extended warranties or refunds due to the owner for extended warranties; d. charges for credit insurance or refunds due to the owner for credit insurance; e. past due payments and charges for past due payments; and f. collection or repossession expenses. However, our payment under this coverage shall not exceed the limit of liability shown on the declarations page.The limit of liability is a percentage of the actual cash value of the insured auto at the time of the loss. This coverage applies only if you have purchased both Comprehensive Coverage and Collision Coverage for that insured auto and the loss is covered under one of those coverages. ALL OTHER TERMS, LIMITS, AND PROVISIONS OF THE POLICY REMAIN UNCHANGED. 35 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 99 04 10 C (Ed. 01-19) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT-CALIFORNIA BLANKET BASIS We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) Theadditionalpremium for this endorsement shall becalculatedby applying a factor of 2% to the total manual premium, with a minimuminitialcharge of $350,then applyingall other pricing factors for the policy to this calculated charge to derive the final cost of this endorsement. This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule. Schedule Blanket Waiver Person/Organization Blanket Waiver Any person or organization for whom the Named Insured has agreed by written contract tofurnish this waiver. Job Description Waiver Premium (prior to ad j ustments) All CA Operations 304.00 This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Policy No.:Endorsement No.: TOWC Endorsement Effective: 07/01/202 Insured: Premium $ Insurance Company: Oak River Insurance Company Countersigned by ______________________________________ WC 99 04 10 C (Ed. 01-19) TOWNPUB-01 NCHUNG ,d►coRO CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) 9/30/2025 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER.THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S),AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy,certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER License#0757776 CONTACT Kimberly Morrisroe NAME: HUB International Insurance Services Inc. PHONE FAX PO Box 5345 (A/C,No,Ext):(951)779-8607 No):(951)231-2572 Riverside,CA 92517 E-MAIL cal.cpu@hubinternational.com INSURERS AFFORDING COVERAGE NAIC# INSURERA:Continental Casualty Company 20443 INSURED INSURER B:United Financial Casualty Company 11770 Townsend Public Affairs,Inc. INSURERC:Oak River Insurance Company 34630 1401 Dove St,Ste 430 INSURER D:Lloyd's Syndicate 3623 Newport Beach,CA 92660-2420 INSURER E INSURER F: COVERAGES CERTIFICATE 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. INSR TYPE OF INSURANCE ADDL SUBR POLICY NUMBER POLICY EFF POLICY EXP LIMITS LTR INSD WVD MM/DD/YYYY MM/DD/YYYY A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 CLAIMS-MADE X OCCUR 8034762328 8/31/2025 8/31/2026 rl DAMAGE TO RENTED 1,000,000 X X PREMISES Ea occurrence $ MED EXP(Any oneperson) $ 10,000 PERSONAL&ADV INJURY $ 1,000,000 GENT AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 X POLICY PRO LOC PRODUCTS-COMP/OPAGG $ 2,000,000 OTHER: $ B AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT 1,000,000 Ea accident $ ANY AUTO X 862859129 8/28/2025 2/28/2026 BODILY INJURY Perperson) $ OWNED SCHEDULED AUTOS ONLY X AUTOS BODILY INJURY Per accident $ HIRED NON-OWNED PROPERTY DAMAGE AUTOS ONLY AUTOS ONLY Per accident) ccident $ A X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $ 5,000,000 EXCESS LIAB CLAIMS-MADE 8034762331 8/31/2025 8/31/2026 AGGREGATE $ 5,000,000 DED X RETENTION$ 10,000 $ C WORKERS COMPENSATION X PER OTH- AND EMPLOYERS'LIABILITY STATUTE ER TOWC635486 8/31/2025 8/31/2026 1,000,000 ANY PROPRIETOR/ R/EXECUTIVE N/A X E.L.EACH ACCIDENT $ EXCLU OFFICER/MEMBER EXCLUDED? (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ 1,000,000 If yes,describe under 1,000,000 DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ D Professional Liabili W301DF250501 9/30/2025 8/31/2026 Ret: $5k; EA.Claim 2,000,000 D Professional Liabili W301DF250501 9/30/2025 8/31/2026 Aggregate 4,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,maybe attached if more space is required) City of Santa Ana,its officers,agents,employees,and volunteers are Additional Insured with regard to the General Liability policy,when required by written contract,per the attached endorsement form SB146932G 10/19,Primary&Non-Contributory and Waiver of Subrogation included.Additional Insured applies with regard to the Auto Liability policy,when required by written contract,per the attached endorsement form 2366 02/11,Primary&Non-Contributory included.Waiver of Subrogation applies to the Workers Compensation policy,when required by written contract,per the attached endorsement form WC990410C 01/19. Should the policies be cancelled before the expiration date,Hub International Insurance Services Inc.(Hub),independent of any rights which may be afforded SEE ATTACHED ACORD 101 CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Santa Ana THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Y ACCORDANCE WITH THE POLICY PROVISIONS. Risk Management Division 20 Civic Center Plaza, 4th Floor Digitally AUTHORIZED REPRESENTATIVE Santa Ana,CA 92701 Tu Tran Tu Tran Nguyen Nguyen 09A313-08'006 -ACC APPROVED ©1988-2015 ACORD CORPORATION. All rights reserved. By Tu Tran Nguyen at 9:42 am,Nov 06, 2025 RD name and logo are registered marks of ACORD CNA POLICY NUMBER: 8034762328 CNA8(110�3XX POLICY TERM: 8/31/2025 - 8/31/2026 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY- OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following: BUSINESSOWNERS COMMON POLICY CONDITIONS The following is added to Paragraph H.Other Insurance and supersedes any provision to the contrary: Primary And Noncontributory Insurance This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: 1. The additional insured is a Named Insured under such other insurance; and 2. You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured. All other terms and conditions of the Policy remain unchanged. CNA80103XX(09-14) Page 1 of 1 Copyright,CNA All Rights Reserved.Includes copyrighted material of Insurance Services Office,Inc.,with its permission POLICY NUMBER:8034762328 S Ed 6 0 2G CNA POLICY TERM:8/31/2025-8/31/2026 BLANKET ADDITIONAL INSURED AND LIABILITY EXTENSION ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM BUSINESSOWNERS COMMON POLICY CONDITIONS TABLE OF CONTENTS I. Blanket Additional Insured Provisions A. Additional Insured—Blanket Vendors B. Miscellaneous Additional Insureds C. Additional Provisions Pertinent to Additional Insured Coverage 1.a. Primary—Noncontributory provision 1.b. Definition of "written contract" 2. Additional Insured—Extended Coverage II. Liability Extension Coverages A. Bodily In'u —Expanded Definition B. Broad Knowledge of Occurrence C. Estates, Legal Representatives and Spouses D. Fellow Employee First Aid E. Legal Liability—Damage to Premises F. Personal and Advertising In'u —Discrimination or Humiliation G. Personal and Advertising In'u —Broadened Eviction H. Waiver of Subrogation—Blanket I. BLANKET ADDITIONAL INSURED PROVISIONS A. ADDITIONAL INSURED—BLANKET VENDORS Who Is An Insured is amended to include as an additional insured any person or organization (referred to below as vendor) with whom you agreed under a "written contract" to provide insurance, but only with respect to "bodily injury" or "property damage" arising out of "your products" which are distributed or sold in the regular course of the vendor's business, subject to the following additional exclusions: 1. The insurance afforded the vendor does not apply to: a. "Bodily injury" or"property damage"for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement; b. Any express warranty unauthorized by you; c. Any physical or chemical change in the product made intentionally by the vendor; d. Repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; e. Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products; f. Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of the product; g. Products which, after distribution or sale by you, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for the vendor; or SB146932G (10-19) Page 1 of 7 Copyright,CNA All Rights Reserved. SB146932G (Ed. 10-19) h. "Bodily injury" or "property damage" arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (1) The exceptions contained in Subparagraphs d.or f.; or (2) Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. 2. This insurance does not apply to any insured person or organization, from whom you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products. 3. This provision 2. does not apply to any vendor included as an insured by an endorsement issued by us and made a part of this Policy. 4. This provision 2. does not apply if "bodily injury" or "property damage" included within the "products- completed operations hazard" is excluded either by the provisions of the Policy or by endorsement. B. MISCELLANEOUS ADDITIONAL INSUREDS 1. Who Is An Insured is amended to include as an insured any person or organization (called additional insured) described in paragraphs 3.a. through 3.j. below whom you are required to add as an additional insured on this policy under a "written contract." 2. However, subject always to the terms and conditions of this policy, including the limits of insurance, we will not provide the additional insured with: a. A higher limit of insurance than required by such "written contract;" b. Coverage broader than required by such "written contract" and in no event greater than that described by the applicable paragraph a. through k. below; or c. Coverage for "bodily injury" or "property damage" included within the "products-completed operations hazard." But this paragraph c. does not apply to the extent coverage for such liability is provided by paragraph 3.j. below. Any coverage granted by this endorsement shall apply only to the extent permitted by law. 3. Only the following persons or organizations can qualify as additional insureds under this endorsement: a. Controlling Interest 0 N Any persons or organizations with a controlling interest in you but only with respect to their liability arising out of: N r (1) such person or organization's financial control of you; or 0 (2) Premises such person or organization owns, maintains or controls while you lease or occupy these premises; provided that the coverage granted to such additional insureds does not apply to structural alterations, new construction or demolition operations performed by or for such additional insured. b. Co-owner of Insured Premises A co-owner of a premises co-owned by you and covered under this insurance but only with respect to the co-owners liability for "bodily injury," "property damage" or "personal and advertising injury" as co- owner of such premises. c. Grantor of Franchise Any person or organization that has granted a franchise to you, but only with respect to such person or organization's liability for "bodily injury," "property damage," or "personal and advertising injury" as grantor of a franchise to you. SB146932G (10-19) Page 2 of 7 Copyright,CNA All Rights Reserved. SB146932G (Ed. 10-19) d. Lessor of Equipment Any person or organization from whom you lease equipment, but only with respect to liability for "bodily injury," "property damage" or "personal and advertising injury" caused in whole or in part by your maintenance, operation or use of such equipment, provided that the "occurrence" giving rise to such "bodily injury" or "property damage" or the offense giving rise to such "personal and advertising injury"takes place prior to the termination of such lease. e. Lessor of Land Any person or organization from whom you lease land, but only with respect to liability for "bodily injury," "property damage" or "personal and advertising injury" arising out of the ownership, maintenance or use of that specific part of the land leased to you, provided that the "occurrence" giving rise to such "bodily injury" or "property damage" or the offense giving rise to such "personal and advertising injury,"takes place prior to the termination of such lease. The insurance hereby afforded to the additional insured does not apply to structural alterations, new construction or demolition operations performed by, on behalf of or for such additional insured. f. Lessor of Premises An owner or lessor of premises leased to you, or such owner or lessor's real estate manager, but only with respect to liability for "bodily injury," "property damage" or "personal and advertising injury" arising out of the ownership, maintenance or use of such part of the premises leased to you, and provided that the "occurrence" giving rise to such "bodily injury" or "property damage" or the offense giving rise to such "personal and advertising injury," takes place prior to the termination of such lease. The insurance hereby afforded to the additional insured does not apply to structural alterations, new construction or demolition operations performed by, on behalf of or for such additional insured. g. Mortgagee,Assignee or Receiver A mortgagee, assignee or receiver of premises but only with respect to such mortgagee, assignee, or receiver's liability for "bodily injury," "property damage" or "personal and advertising injury" arising out of the ownership, maintenance, or use of a premises by you. This insurance does not apply to structural alterations, new construction or demolition operations performed by, on behalf of or for such additional insured. h. State or Political Subdivisions A state or government agency or subdivision or political subdivision that has issued a permit or authorization, but only with respect to such government agency or subdivision or political subdivision's liability for"bodily injury," "property damage" or"personal and advertising injury" arising out of: (1) The following hazards in connection with premises you own, rent, or control and to which this insurance applies: (a) The existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoistaway openings, sidewalk vaults, street banners, or decorations and similar exposures; or (b) The construction, erection, or removal of elevators; or (c) The ownership, maintenance or use of any elevators covered by this insurance; or (2) The permitted or authorized operations performed by you or on your behalf. But the coverage granted by this paragraph does not apply to: (a) "Bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the state or government agency or subdivision or political subdivision; or (b) "Bodily injury" or "property damage" included within the "products-completed operations hazard." With respect to this provision's requirement that additional insured status must be requested under a "written contract,"we will treat as a "written contract" any governmental permit that requires you to add the governmental entity as an additional insured. SB146932G (10-19) Page 3 of 7 Copyright,CNA All Rights Reserved. SB146932G (Ed. 10-19) i. Trade Show Event Lessor With respect to your participation in a trade show event as an exhibitor, presenter or displayer, any person or organization whom you are required to include as an additional insured, but only with respect to such person or organization's liability for "bodily injury," "property damage," or "personal and advertising injury" caused by: a. Your acts or omissions; or b. Acts or omissions of those acting on your behalf; in the performance of your ongoing operations at the trade show premises during the trade show event. j. Other Person or Organization Any person or organization who is not an additional insured under paragraphs a. through i. above. Such additional insured is an insured solely for "bodily injury," "property damage" or "personal and advertising injury"for which such additional insured is liable because of your acts or omissions. The coverage granted by this paragraph does not apply to any person or organization: (1) For "bodily injury," "property damage," or "personal and advertising injury" arising out of the rendering or failure to render any professional services; (2) For "bodily injury" or "property damage" included in the "products-completed operations hazard." But this provision(2)does not apply to such "bodily injury" or"property damage" if: (a) It is entirely due to your negligence and specifically results from your work for the additional insured which is the subject to the "written contract"; and (b) The "written contract" requires you to make the person or organization an additional insured for such "bodily injury" or"property damage"; or (3) Who is afforded additional insured coverage under another endorsement attached to this policy. C. ADDITIONAL PROVISIONS PERTINENT TO ADDITIONAL INSURED COVERAGE 1. With respect only to additional insured coverage provided under paragraphs A.and B.above: a. The BUSINESSOWNERS COMMON POLICY CONDITIONS are amended to add the following to the Condition entitled Other Insurance: This insurance is excess of all other insurance available to an additional insured whether primary, excess, contingent or on any other basis. However, if a "written contract" requires that this insurance be N either primary or primary and noncontributing, then this insurance will be primary and non-contributory relative solely to insurance on which the additional insured is a named insured. b. Under Liability and Medical Expense Definitions, the following definition is added: N O N "Written contract" means a written contract or agreement that requires you to make a person or 0 organization an additional insured on this policy, provided the contract or agreement: (1) Is currently in effect or becomes effective during the term of this policy; and (2) Was executed prior to: (a) The "bodily injury" or"property damage;" or (b) The offense that caused the "personal and advertising injury"; for which the additional insured seeks coverage. 2. With respect to any additional insured added by this endorsement or by any other endorsement attached to this Coverage Part, the section entitled Who Is An Insured is amended to make the following natural persons insureds. If the additional insured is: a. An individual, then his or her spouse is an insured; SB146932G (10-19) Page 4 of 7 Copyright,CNA All Rights Reserved. SB146932G (Ed. 10-19) b. A partnership or joint venture, then its partners, members and their spouses are insureds; c. A limited liability company, then its members and managers are insureds; d. An organization other than a partnership, joint venture or limited liability company, then its executive officers, directors and shareholders are insureds; or e. Any type of entity, then its employees are insureds; but only with respect to locations and operations covered by the additional insured endorsement's provisions, and only with respect to their respective roles within their organizations. Furthermore, employees of additional insureds are not insureds with respect to liability arising out of: (1) "Bodily injury" or "personal and advertising injury" to any fellow employee or to any natural person listed in paragraphs a.through d.above; (2) "Property damage"to property owned, occupied or used by their employer or by any fellow employee; or (3) Providing or failing to provide professional health care services. II. LIABILITY EXTENSION COVERAGES It is understood and agreed that this endorsement amends the Businessowners Liability Coverage Form. If any other endorsement attached to this policy amends any provision also amended by this endorsement, then that other endorsement controls with respect to such provision, and the changes made by this endorsement to such provision do not apply. A. Bodily injury—Expanded Definition Under Liability and Medical Expenses Definitions, the definition of "Bodily injury" is deleted and replaced by the following: "Bodily injury" means physical injury, sickness or disease sustained by a person, including death, humiliation, shock, mental anguish or mental injury by that person at any time which results as a consequence of the physical injury, sickness or disease. B. Broad Knowledge of Occurrence Under Businessowners Liability Conditions, the Condition entitled Duties In The Event of Occurrence, Offense, Claim or Suit is amended to add the following: Paragraphs a. and b. above apply to you or to any additional insured only when such "occurrence," offense, claim or"suit" is known to: (1) You or any additional insured that is an individual; (2) Any partner, if you or an additional insured is a partnership; (3) Any manager, if you or an additional insured is a limited liability company; (4) Any"executive officer" or insurance manager, if you or an additional insured is a corporation; (5) Any trustee, if you or an additional insured is a trust; or (6) Any elected or appointed official, if you or an additional insured is a political subdivision or public entity. This paragraph applies separately to you and any additional insured. C. Estates, Legal Representatives and Spouses The estates, heirs, legal representatives and spouses of any natural person insured shall also be insured under this policy; provided, however, coverage is afforded to such estates, heirs, legal representatives and spouses only for claims arising solely out of their capacity as such and, in the case of a spouse, where such claim seeks damages from marital common property, jointly held property, or property transferred from such natural person insured to such spouse. No coverage is provided for any act, error or omission of an estate, heir, legal representative or spouse outside the scope of such person's capacity as such, provided however that the spouse of a natural person Named Insured and the spouses of members or partners of joint venture or partnership Named Insureds are insureds with respect to such spouses' acts, errors or omissions in the conduct of the Named Insured's business. SB146932G (10-19) Page 5 of 7 Copyright,CNA All Rights Reserved. SB146932G (Ed. 10-19) D. Fellow Employee First Aid Coverage In the section entitled Who Is An Insured, paragraph 2.a.1. is amended to add the following: The limitations described in subparagraphs 2.a.1.(a), (b) and (c) do not apply to your "employees" for "bodily injury" that results from providing cardiopulmonary resuscitation or other first aid services to a co-"employee" or "volunteer worker" that becomes necessary while your "employee" is performing duties in the conduct of your business. Your "employees" are hereby insureds for such services. But the insured status conferred by this provision does not apply to "employees" whose duties in your business are to provide professional health care services or health examinations. E. Legal Liability—Damage To Premises 1. Under B. Exclusions, 1.Applicable to Business Liability Coverage, Exclusion k. Damage To Property, is replaced by the following: k. Damage To Property "Property damage"to: 1. Property you own, rent or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property; 2. Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises; 3. Property loaned to you; 4. Personal property in the care, custody or control of the insured; 5. That particular part of any real property on which you or any contractors or subcontractors working directly or indirectly in your behalf are performing operations, if the "property damage" arises out of those operations; or 6. That particular part of any property that must be restored, repaired or replaced because "your work" was incorrectly performed on it. Paragraph 2 of this exclusion does not apply if the premises are "your work" and were never occupied, rented or held for rental by you. Paragraphs 1, 3, and 4, of this exclusion do not apply to "property damage" (other than damage by fire N or explosion)to premises: N (1) rented to you: 0 N (2) temporarily occupied by you with the permission of the owner, or 0 0 0 (3) to the contents of premises rented to you for a period of 7 or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section D— Liability and Medical Expenses Limits of Insurance. Paragraphs 3, 4, 5, and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to "property damage" included in the "products- completed operations hazard." 2. Under B. Exclusions, 1.Applicable to Business Liability Coverage, the following paragraph is added, and replaces the similar paragraph, if any, beneath paragraph (14) of the exclusion entitled Personal and Advertising Injury: Exclusions c,d,e,f,g, h, i, k, I, m, n,and o, do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner or to the contents of premises rented to you for a period of 7 or fewer consecutive days. A separate limit of insurance applies to this coverage as described in Section D. Liability And Medical Expenses Limits Of Insurance. SB146932G (10-19) Page 6 of 7 Copyright,CNA All Rights Reserved. SB146932G (Ed. 10-19) 3. The first Paragraph under item 5. Damage To Premises Rented To You Limit of the section entitled Liability And Medical Expenses Limits Of Insurance is replaced by the following: The most we will pay under Business Liability for damages because of "property damage" to any one premises, while rented to you or temporarily occupied by you with the permission of the owner, including contents of such premises rented to you for a period of 7 or fewer consecutive days, is the Damage to Premises Rented to You Limit. The Damage to Premises Rented to You Limit is the greater of: a. $1,000,000; or b. The Damage to Premises Rented to You Limit shown in the Declarations. F. Personal and Advertising Injury—Discrimination or Humiliation 1. Under Liability and Medical Expenses Definitions, the definition of "personal and advertising injury" is amended to add the following: h. Discrimination or humiliation that results in injury to the feelings or reputation of a natural person, but only if such discrimination or humiliation is: (1) Not done intentionally by or at the direction of: (a) The insured; or (b) Any "executive officer," director, stockholder, partner, member or manager (if you are a limited liability company) of the insured; and (2) Not directly or indirectly related to the employment, prospective employment, past employment or termination of employment of any person or person by any insured. 2. Under B. Exclusions, 1. Applicable to Business Liability Coverage, the exclusion entitled Personal and Advertising Injury is amended to add the following additional exclusions: (15)Discrimination Relating to Room, Dwelling or Premises Caused by discrimination directly or indirectly related to the sale, rental, lease or sub-lease or prospective sale, rental, lease or sub-lease of any room, dwelling or premises by or at the direction of any insured. (16)Employment Related Discrimination Discrimination or humiliation directly or indirectly related to the employment, prospective employment, past employment or termination of employment of any person by any insured. (17)Fines or Penalties Fines or penalties levied or imposed by a governmental entity because of discrimination. 3. This provision (Personal and Advertising Injury — Discrimination or Humiliation) does not apply if Personal and Advertising Injury Liability is excluded either by the provisions of the Policy or by endorsement. G. Personal and Advertising Injury-Broadened Eviction Under Liability and Medical Expenses Definitions, the definition of "Personal and advertising injury" is amended to delete Paragraph c. and replace it with the following: c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room dwelling or premises that a person or organization occupies committed by or on behalf of its owner, landlord or lessor. H. Waiver of Subrogation—Blanket We waive any right of recovery we may have against: a. Any person or organization with whom you have a written contract that requires such a waiver. All other terms and conditions of the Policy remain unchanged. SB146932G (10-19) Page 7 of 7 Copyright,CNA All Rights Reserved. CNA POLICY NUMBER: 8034762328 SB3000 62 6) POLICY TERM: 8/31/2025 - 8/31/2026 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF SUBROGATION SCHEDULE Name Of Person Or Organization: * Information required to complete this Schedule, if not shown on this endorsement,will be shown in the Declarations. This endorsement modifies insurance provided under the following: BUSINESSOWNERS COMMON POLICY CONDITIONS We waive any right of recovery we may have against: 1. Any person or organization shown above or in the Declarations; or 2. Any person or organization with which you have a written contract that requires such a waiver, provided the contract was executed prior to the loss. All other terms and conditions of the Policy remain unchanged. SB300022C (Ed. 6-16) Page 1 of 1 Copyright,CNA All Rights Reserved. CNA POLICY NUMBER: 8034762328 SB30 61 6) POLICY TERM: 8/31/2025 - 8/31/2026 ADDITIONAL INSURED-DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM SCHEDULE Name Of Person Or Organization: Information required to complete this Schedule, if not shown on this endorsement,will be shown in the Declarations. It is understood and agreed that the section entitled WHO IS AN INSURED is amended with the addition of the following: A. The person or organization shown in the Schedule is an insured, but only with respect to such person or organization's liability for "bodily injury," "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: 1. in the performance of your ongoing operations; or 2. in connection with premises owned by or rented to you. B. However, if coverage for the additional insured is required by written contract or written agreement, subject always to the terms and conditions of this policy, including the limits of insurance, we will not provide such additional insured with: 1. coverage broader than required by such contract or agreement; or 2. a higher limit of insurance than required by such contract or agreement. C. The coverage granted by this endorsement does not apply to "bodily injury" or "property damage" included within the "products-completed operations hazard." Any coverage granted by this endorsement shall apply solely to the extent permissible by law. All other terms and conditions of the Policy remain unchanged. SB300113D (Ed. 6-16) Page 1 of 1 Copyright,CNA All Rights Reserved. -POLICY NUMBER: 8034762328 SB-300120-C CNA POLICY TERM: 8/31/2025 - 8/31/2026 (Ed. 06/11) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION - WITH PRODUCTS COMPLETED OPERATIONS COVERAGE This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM SCHEDULE* Name Of Person Or Organization: * Information required to complete this Schedule, if not shown on this endorsement,will be shown in the Declarations. A. The following is added to Paragraph C. Who Is An 1. The rendering of, or the failure to render any Insured: professional architectural, engineering, or 4. Any person(s) or organization(s) shown in the surveying services, including: Schedule is also an additional insured, but only (a) The preparing, approving, or failing to prepare with respect to liability for "bodily injury," "property or approve maps, shop drawings, opinions, damage" or "personal and advertising injury," reports, surveys, field orders, change orders caused, in whole or in part, by: or drawings and specifications; and a. Your acts or omissions; or (b) Supervisory, inspection, architectural or b. The acts or omissions of those acting on your engineering activities. behalf 2. "Bodily Injury," "property damage," or "personal in the performance of your ongoing operations for and advertising injury" arising out of any premises the additional insured(s); at the location(s) or work for which the additional insured is specifically listed as an additional insured on N designated above; or another endorsement attached to this Policy. C. "Your work" that is included in the "products- C. The following is added to Paragraph H. of the completed operations hazard" and performed Businessowners Common Policy Conditions: for the additional insured, but only if this N Policy provides such coverage, and only if the H. Other Insurance written contract or written agreement requires you to provide the additional insured such This insurance is excess over any other insurance coverage. naming the additional insured as an insured whether primary, excess, contingent or on any B. The insurance provided to the additional insured does other basis unless a written contract or written not apply to "bodily injury," "property damage," or agreement specifically requires that this insurance "personal and advertising injury" arising out of: be either primary or primary and noncontributing. SB-300120-C Page 1 of 1 (Ed. 06/11) WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 99 04 10 C (Ed. 01-19) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT-CALIFORNIA BLANKET BASIS We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) The additional premium for this endorsement shall be calculated by applying a factor of 2% to the total manual premium, with a minimum initial charge of $350, then applying all other pricing factors for the policy to this calculated charge to derive the final cost of this endorsement. This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule. Schedule Blanket Waiver Person/Organization Blanket Waiver—Any person or organization for whom the Named Insured has agreed by written contract to furnish this waiver. Job Description Waiver Premium (prior to adjustments) All CA Operations 415.00 This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective: 08/31/2025 PolicyNo.: TOWC635486 Endorsement No.: Insured: Premium$ Insurance Company: Oak River Insurance Company Countersigned by WC990410C (Ed. 01-19) Policy Number: 862859129 Policy Term: 8/28/2025-2/28/2026 Form 2366(02/11)M_CL Blanket Additional Insured Endorsement This endorsement modifies insurance provided by the Commercial Auto Policy,Motor Truck Cargo Legal Liability Coverage Endorsement, and/or Commercial General Liability Coverage Endorsement, as appears on the declarations page.All terms and conditions of the policy apply unless modified by this endorsement. If you pay the fee for this Blanket Additional Insured Endorsement,we agree with you that any person or organization with whom you have executed a written agreement prior to any loss is added as an additional insured with respect to such liability coverage as is afforded by the policy, but this insurance applies to such additional insured only as a person or organization liable for your operations and then only to the extent of that liability.This endorsement does not apply to acts,omissions, products, work, or operations of the additional insured. Regardless of the provisions of paragraph a.and b. of the "Other Insurance" clause of this policy, if the person or organization with whom you have executed a written agreement has other insurance under which it is the first named insured and that insurance also applies,then this insurance is primary to and non-contributory with that other insurance when the written contract or agreement between you and that person or organization, signed and executed by you before the bodily injury or property damage occurs and in effect during the policy period, requires this insurance to be primary and non- contributory. In no way does this endorsement waive the "Other Insurance" clause of the policy, nor make this policy primary to third parties hired by the insured to perform work for the insured or on the insured's behalf. ALL OTHER TERMS,LIMITS,AND PROVISIONS OF THE POLICY REMAIN UNCHANGED. Policy Number: 862859129 Policy Term: 8/28/2025-2/28/2026 Form 2367(06/10)M_CL Blanket Waiver of Subrogation Endorsement This endorsement modifies insurance provided by the Commercial Auto Policy,Motor Truck Cargo Legal Liability Coverage Endorsement, and/or Commercial General Liability Coverage Endorsement, as appears on the declarations page. All terms and conditions of the policy apply unless modified by this endorsement. If you pay the fee for this Blanket Waiver of Subrogation Endorsement, we agree to waive any and all subrogation claims against any person or organization with whom a written waiver agreement has been executed by the named insured, as required by written contract, prior to the occurrence of any loss. ALL OTHER TERMS, LIMITS AND PROVISIONS OF THE POLICY REMAIN UNCHANGED. Policy Number: 862859129 Policy Term: 8/28/2025-2/28/2026 Form 2367(06/10)M_CL Blanket Waiver of Subrogation Endorsement This endorsement modifies insurance provided by the Commercial Auto Policy,Motor Truck Cargo Legal Liability Coverage Endorsement, and/or Commercial General Liability Coverage Endorsement, as appears on the declarations page. All terms and conditions of the policy apply unless modified by this endorsement. If you pay the fee for this Blanket Waiver of Subrogation Endorsement, we agree to waive any and all subrogation claims against any person or organization with whom a written waiver agreement has been executed by the named insured, as required by written contract, prior to the occurrence of any loss. ALL OTHER TERMS, LIMITS AND PROVISIONS OF THE POLICY REMAIN UNCHANGED. Policy Number: 862859129 Policy Term: 8/28/2025-2/28/2026 Form 2366(02/11)M_CL Blanket Additional Insured Endorsement This endorsement modifies insurance provided by the Commercial Auto Policy,Motor Truck Cargo Legal Liability Coverage Endorsement, and/or Commercial General Liability Coverage Endorsement, as appears on the declarations page.All terms and conditions of the policy apply unless modified by this endorsement. If you pay the fee for this Blanket Additional Insured Endorsement,we agree with you that any person or organization with whom you have executed a written agreement prior to any loss is added as an additional insured with respect to such liability coverage as is afforded by the policy, but this insurance applies to such additional insured only as a person or organization liable for your operations and then only to the extent of that liability.This endorsement does not apply to acts,omissions, products, work, or operations of the additional insured. Regardless of the provisions of paragraph a.and b. of the "Other Insurance" clause of this policy, if the person or organization with whom you have executed a written agreement has other insurance under which it is the first named insured and that insurance also applies,then this insurance is primary to and non-contributory with that other insurance when the written contract or agreement between you and that person or organization, signed and executed by you before the bodily injury or property damage occurs and in effect during the policy period, requires this insurance to be primary and non- contributory. In no way does this endorsement waive the "Other Insurance" clause of the policy, nor make this policy primary to third parties hired by the insured to perform work for the insured or on the insured's behalf. ALL OTHER TERMS,LIMITS,AND PROVISIONS OF THE POLICY REMAIN UNCHANGED.