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Home My WebLink AboutLANCE, SOLL, & LUNGHARD LLP WORK MAY PROCEED UNTIL INSURANCE EXPIRES N-2024-233 CITY CLERK 202j� DATE: � � ��u •• Lance,Soll,&Lunghard LLP 1 ec!71in!oci/c if( oo,,i1(1'r/ LETTER OF ENGAGEMENT DTD:Wednesday,April 10,2024 Service Contract Expiration:Tuesday, December 31,2024 Kathryn Downs City of Santa Ana KDowns@santa-ana.org SUBJECT: SERVICE AND CONSULTATION INTENT This letter confirms the terms of the technology and accounting consulting services Lance,Soil&Lunghard,LLP(LSL) will provide. All information provided to us will be confidential and privileged information. We will not utilize the client information provided in any manner other than to assist in providing consultation services. It will be our policy to schedule meetings utilizing the appropriate software to provide consultation and services to your team from off site. Any services, including technical support and consultation,will occur after being scheduled and at an appointed time. At that time,we will log in and assist your staff with specific tasks required to resolve your issue. This engagement letter is a contract for a Fixed Fee service.The terms of renewal contracts may be subject to change. Any amounts paid that remain after the expiration of this contract may be applied to a new contract or services with updated rates. Our standard hourly rates vary according to the degree of responsibility involved and the experience level of the personnel assigned. The current rates are listed below and are subject to annual increase. Our invoices for these fees will be invoiced monthly and are payable on presentation You agree that any claim arising out of this Agreement shall be commenced within one (1)year of the delivery of the work product to you,regardless of any longer period of time for commencing such claim as may be set by law. A claim is understood to be a demand for money or services,the service of a suit,or the institution of arbitration proceedings against Lance,Soli, &Lunghard LLP. If any portion of this Agreement is deemed invalid or unenforceable, said findings shall not operate to invalidate the remainder of the terms set forth in this Agreement. BILLING AND PAYMENT TERMS Payment is due within 30 days of the invoice date. If payment is not received by the due date, you will be assessed interest charges of 1.5%per month on the unpaid balance. We reserve the right to suspend or terminate our work for non-payment of fees. In accordance with our firm policies, work may be suspended if your account becomes 90 days or more overdue and will not be resumed until your account is paid in full. If our work is suspended or terminated, you agree that we will not be responsible for your failure to meet governmental and other deadlines,for any penalties or interest that may be assessed against you resulting from your failure to meet such deadlines, and for any other damages (including but not limited to consequential, indirect, lost profits,or punitive damages)incurred as a result of the suspension or termination of our services. ELECTRONIC DATA COMMUNICATION AND STORAGE In the interest of facilitating our services to you, we may send data over the Internet, or store electronic data via computer software applications hosted remotely on the Internet or utilize cloud-based storage. Your confidential electronic data may be transmitted or stored using these methods. In using these data communication and storage methods, our firm employs measures designed to maintain data security. We use reasonable efforts to keep such communications and electronic data secure in accordance with our obligations under applicable laws, regulations,and professional standards. You recognize and accept that we have no control over the unauthorized interception or breach of any communications or electronic data once it has been transmitted or if it has been subject to unauthorized access while stored, notwithstanding all reasonable security measures employed by us.You consent to our use of these electronic devices and applications. PrimeGlobal 203 N.Brea Blvd,Suite 203. 1611 E.Fourth Street.Suite 200, 2151 River Plaza Dr.,Suite 150, 21 Waterway Avenue.Suite 300 www.lslcpas.com Brea.CA 92821 Santa Ana,CA 92701 Sacramento,CA 95833 The Woodland.TX 77380 (714)672-0022 (714)569-1000 (916)503-9691 (936)828-4587 sales@Islcpas.com THIRD PARTY SERVICE PROVIDERS OR SUBCONTRACTORS In the interest of enhancing our availability to meet your professional service needs while maintaining service quality and timeliness,we may use a third-party service provider to assist us.We require our third-party service providers have established procedures and controls designed to protect client confidentiality and maintain data security.As the paid provider of professional services, our firm remains responsible for exercising reasonable care in providing such services, and our work product will be subjected to our firm's customary quality control procedures. By accepting the terms and conditions of our engagement, you are providing your consent and allow us to disclose your confidential information to a third-party service provider, if such disclosure is necessary to deliver professional service or provide support services to our firm. INDEPENDENT CONTRACTOR When providing services to your company,we will be functioning as an independent contractor and in no event will we or any of our employees be an officer of you, nor will our relationship be that of joint ventures,partners, employer and employee,principal and agent,or any similar relationship giving rise to a fiduciary duty to you. Any obligations under this agreement are solely obligations of the firm, and no partner, principal, employee, or agent of the firm shall be subjected to any personal liability whatsoever to you or any person or entity. FIRM ASSOCIATIONS The firm is a member of PrimeGlobal,a global association of independent accounting firms. No PrimeGlobal member firm is an agent or partner of the association or of any other member firm. No PrimeGlobal member firm has the authority to enter into any legal obligations on behalf of the association or any other member firm. If the firm introduces you to another PrimeGlobal member firm,this firm specifically denies any liability for any work performed by that firm. You should make your own contractual arrangements with that firm for work that they perform. The fact that you may have been introduced to us by another PrimeGlobal member firm does not make that firm,its partners or its employees responsible for any of our acts or omissions. The firm is not the agent or partner of PrimeGlobal or any other member firm and does not have the authority to enter into legal obligations on behalf of either the association or any other member firm thereof. You agree that this firm has the sole liability for any work performed under this engagement and you undertake not to make any claim or bring any proceedings against either PrimeGlobal or any other member of PrimeGlobal in relation to work covered by this engagement. LIMITATIONS ON ORAL AND EMAIL COMMUNICATIONS We may discuss with you our views regarding the treatment of certain items or decisions you may face.We may also provide you with information in an email.Any advice or information delivered orally or in an email(rather than through a memorandum delivered as an email attachment)will be based upon limited research and a limited discussion and analysis of the underlying facts.Additional research or a more complete review of the facts may affect our analysis and conclusions. Due to these limitations and the related risks, it may or may not be appropriate to proceed with any decision solely on the basis of any oral or email communication.You accept all responsibility,except to the extent caused by the gross negligence or willful misconduct of LSL,for any loss, cost or expense resulting from your decision (i) not to have us perform the research and analysis necessary to reach a more definitive conclusion and(ii)to instead rely on an oral or email communication.The limitation in this paragraph will not apply to an item of written advice that is a deliverable of a separate engagement.If you wish to engage us to provide formal advice on a matter on which we have communicated orally or by email,we will confirm this in a separate engagement letter. CONFLICTS OF INTEREST If we, in our sole discretion, believe a conflict has arisen affecting our ability to deliver services to you in accordance with either the ethical standards of our firm or the ethical standards of our profession,we may be required to suspend or terminate our services without issuing our work product MEDIATION If a dispute arises out of or relates to the letter including the scope of services contained herein,or the breach thereof, and if the dispute cannot be settled through negotiation,the parties agree first to try to settle the dispute by mediation administered by the American Arbitration Association ("AAA") under the MA Professional Accounting and Related Services Dispute Resolution Rules before resorting to arbitration,litigation,or some other dispute resolution procedure. The mediator will be selected by letter of the parties. If the parties cannot agree on a mediator, a mediator shall be designated by the AAA.Any mediator so designated must be acceptable to all parties.The mediation will be conducted in California. PrimeGlobal 203 N.Brea Blvd,Suite 203.Brea, 1611 E.Fourth Street,Suite 200, 2151 River Plaza Dr.,Suite 150. 21 Waterway Ave.,Suite 30089 www.lslcpas.com CA 92821 Santa Ana,CA 92701 Sacramento,CA 95833 The Woodlands,TX 77380 (714)672-0022 (714)569-1000 (916)503-9691 (936)828-4587 infoClslcpas.com The mediation will be treated as a settlement discussion and, therefore, will be confidential. The mediator may not testify for either party in any later proceeding related to the dispute. No recording or transcript shall be made of the mediation proceedings. The costs of any mediation proceedings shall be shared equally by all parties. Any costs for legal representation shall be borne by the hiring party. LIMITATION OF LIABILITY LSL liability for all claims,damages,and costs arising from this engagement is limited to three(3)times the total amount of fees paid by you to us for services rendered under this letter. INDEMNIFICATION You agree to hold LSL harmless from any and all claims which arise from knowing misrepresentations to us by your management, or the intentional withholding or concealment of information from us by your management. You also agree to indemnify us for any claims made against us by third parties,which arise from any of these actions by your management.The provisions of this paragraph shall apply regardless of the nature of the claim. DESIGNATION OF VENUE AND JURISDICTION In the event of a dispute, you and we agree that the courts of the state of California shall have jurisdiction, and we agree to submit all disputes to the Superior Court of Orange,California,which is the proper and most convenient venue for resolution.We also agree that the law of the state of California shall govern all such disputes. PROPRIETARY INFORMATION You acknowledge that proprietary information, documents, materials, management techniques and other intellectual property we use are a material source of the services we perform and were developed prior to our association with you. Any new forms, software, documents or intellectual property we develop during this engagement for your use shall belong to us, and you shall have the limited right to use them solely within your business. All reports, templates, manuals, forms, checklists, questionnaires, letters, letters and other documents which we make available to you are confidential and proprietary to us.Neither you,nor any of your agents,will copy,electronically store,reproduce or make available to anyone other than your personnel, any such documents.This provision will apply to all materials whether in digital,"hard copy"format or other medium. STATUTE OF LIMITATIONS You agree that any claim arising out of this letter shall be commenced within one(1)year of the delivery of the work product to you, regardless of any longer period of time for commencing such claim as may be set by law. A claim is understood to be a demand for money or services, the service of a suit, or the institution of arbitration proceedings against us. TERMINATION AND WITHDRAWAL We reserve the right to withdraw from the engagement without completing services for any reason, including, but not limited to, your failure to comply with the terms of this letter or as we determine professional standards require. If our work is suspended or terminated, you agree that we will not be responsible for your failure to meet governmental and other deadlines,or for any liability, including but not limited to,penalties or interest that may be assessed against your resulting from your failure to meet such deadlines. If this letter is terminated before services are completed,you agree to compensate us for the services performed and expenses incurred through the effective date of termination. ASSIGNMENT All parties acknowledge and agree that the terms and conditions of this Letter shall be binding upon and inure to the parties'successors and assigns, subject to applicable laws and regulations. INSURANCE Lance, Soli & Lunghard CPAs agree to meet all insurance requirements in attachment A as provided by the City of Santa Ana, CA. SEVERABILITY If any portion of this Letter is deemed invalid or unenforceable,said finding shall not operate to invalidate the remainder of the terms set forth in this Letter. elf PrimeGlobal 203 N.Brea Blvd.Suite 203,Brea, 1611 E.Fourth Sheet.Suite 200, 2151 River Plaza Dr.,Suite 150, 21 Waterway Ave..Suite 30089 www.islcpas.com CA 92821 Santa Ana,CA 92701 Sacramento.CA 95833 The Woodlands,TX 77380 (714)672-0022 (714)569-1000 (916)503-9691 (936)828-4587 info@Islcpas.com CODE OF PROFESSIONAL CONDUCT To ensure that our independence is not impaired under the AICPA Code of Professional Conduct,you agree to inform the engagement partner before entering in any substantive employment discussions with any of our personnel. In accordance with Section 50 of the Board of Accountancy Regulations for the State of California,this shall provide notice that Lance, Soil&Lunghard CPAs,Certified Public Accountants,is licensed by the California Board of Accountancy. SCOPE & SCHEDULE OF SERVICES Fixed Fee Services: Fixed fee Services are not to exceed the amount of$3,000 without prior authorization from the client. This evaluation includes: (For each Business Process Area Selected—currently, that number is two(2)Processes): • Process Identification • 50-minute session:Work with your team to review Bank Reconciliation and Accounts Payable processes. • Robotic Process Automation(RPA)Assessment O 50-minute Process Recording Session with Subject Matter Experts(SME's) O 30-minute Session to verify the process recording and determine savings and benefits to your organization. 0 • RPA Benefits Presentation • Customized Business Case for using RPA for the two processes mentioned above. This document will show you your Return on Investment(ROI)analysis and will include a high-level process diagram, a cost breakdown of software and implementation timeline. We will collaborate with your team to learn the labor costs and other costs involved in a high-level ROI analysis.This document will help your organization to budget and plan to begin your RPAjoumey. HOURLY SERVICES LSL can provide"as-needed"support,customization services,and consulting.This support will be billed at our current hour) rates accordin• to •ersonnel level. PERSONNEL LEVEL HOURLY RATE* Partner $360 Senior Manager $270 Manager $230 Supervisor $200 Senior $180 Staff-Experienced $150 Staff-Standard $130 Staff—Auxiliary/Clerical $110 *Please expect an annual increase SUMMARY We appreciate the opportunity to be of service to City of Santa Ana and believe this letter and any previously mentioned attachments accurately summarize the significant terms of our engagement. If you have any questions, please let us know. If you agree with the terms of our engagement as described in this letter, please sign the enclosed copy, and return it to us. Very truly yours, veal jeer 54-0.ratv•Idue cer,ez) LANCE, SOLL & LUNGHARD, LLP PrimeGlobal 203 N.Brea Blvd,Suite 203.Brea, 1611 E.Fourth Street,Suite 20D, 2151 River Plaza Dr.,Suite 150, 21 Waterway Ave.,Suite 30089 www.Islcpas.eom CA 92821 Santa Ana,CA 92701 Sacramento,CA 95833 The Woodlands,TX 77380 (714)672-0022 (714)569-1000 (916)503-9691 (936)828-4587 info@Islcpas.com ACCEPTED: This letter correctly sets forth the understanding of City of Santa Ana (Required fields in red, but filling out the other fields will expedite client onboarding process) Signature: Date: Printed Name: Title: Organization Name: Entity Type: Email: Phone: Address: Tax Exempt(YIN): W-9 Required(YIN): Local Business COI Required(YIN): License Required (YIN): IN WITNESS WHEREOF,the parties hereto have executed this Agreement the date and year first above written. AT ST: CITY OF SANTA El E• - Hi; LL ALVARO NUNEZ wv,tre7 Ci le r Acting City Manager APPROVED AS TO FORM: LANCE, SOLL & LUNGHARD,LLP SONIA R. CARVALHO City Attorney • Bt44 CIA-LC" ft . a a - ��`-t=-ti • Andrea Garcia-Miller By: Gail Gray Assistant City Attorney Title: Partner RECOMMENDED FOR APPROVAL: a Downs(Jul 8,2024 15:54 PDT) Kathryn Downs, CPA Executive Director, Finance and Management Services Agency PrimeGlobal 203 N.Brea Blvd,Suite 203.Brea, 1611 E.Fourth Street.Suite 200, 2151 River Plaza Dr.,Suite 150, 21 Waterway Ave.,Suite 30089 www.Islcpas.com CA 92821 Santa Ana,CA 92701 Sacramento,CA 95833 The Woodlands,TX 77380 (714)672-0022 (714)569-1000 (916)503-9691 (936)828-4587 info@Islcpas.com • ATTACHMENT A MINIMUM SCOPE AND LIMIT OF INSURANCE Contractor shall maintain limits of insurance coverage in the following minimum amounts and shall be at least as broad as: • Commercial General Liability (CGL): Insurance Services Office Form CG 00 01 covering CGL on an "occurrence"basis,including products and completed operations,property damage,bodily injury and personal &advertising injury with limits no less than$1,000,000 per occurrence and$2,000,000 aggregate. • Automobile Liability (AL): Insurance Services Office Form CA 00 01 covering Code 1 (any auto), with combined single limits of$1,000,000. • Workers' Compensation (W/C): as required by the State of California,with statutory limits, and Employer's Liability Insurance with limit of no less than$1,000,000 per accident,per employee,per policy for bodily injury or disease. This requirement can be waived if Vendor has no employees. If Contractor maintains broader coverage and/or higher limits than the minimums shown above,City requires and shall be entitled to the broader coverage and/or the higher limits maintained by Contractor.Any available insurance proceeds in excess of the specified minimum limits of insurance and coverage shall be available to City. Other Insurance Provisions The insurance policies are to contain,or be endorsed to contain,the following provisions: 1. CGL and AL policies: City of Santa Ana, its City Council,its officers,officials, employees,agents,and volunteers are to be covered as additional insureds with respect to liability arising out of work or operations performed by or on behalf of the Permittee including materials, parts,equipment, and personnel furnished in connection with such work or operations. 2. All required insurance policies: Insurance company(ies)agrees to waive all rights of subrogation against City, its City Council, its officers,officials,employees,agents, and volunteers for losses paid under the terms of any policy which arise from work performed by Permittee for City. 3. All required insurance policies: For any claims related to this contract, Permittee's insurance coverage shall be primary and any insurance maintained by City, its City Council,its officers,officials, employees, agents,or volunteers shall not contribute with it. 4. All required insurance policies:A severability of interest provision must apply for all the additional insureds,ensuring that Permittee's insurance shall apply separately to each insured against whom a claim is made or suit is brought, except with respect to the insurer's limits of liability. 5. Each insurance policy required herein shall provide that coverage shall not be canceled, suspended, voided, reduced in coverage or in limits,non-renewed by the carrier,or materially changed except after thirty(30)days prior written notice has been given to City.Ten(10)days prior written shall be provided to City for policy cancellation or non-renewal due to non-payment. 6. Certificate Holder on each Evidence of Insurance certificate shall be: City of Santa Ana,Attention: Finance&Management Services Agency,Accounting Division,20 Civic Center Plaza M-17, Santa Ana, CA 92701.The name and location of event should be included in the Description of Operations section of each certificate. Self-Insured Retentions Self-insured retentions must be declared to and approved by the City. City may require Contractor to purchase coverage with a lower retention or provide proof of ability to pay losses and related investigations, claim administration,and defense expenses within the retention. Acceptability of Insurers Insurance is to be placed with insurers authorized to conduct business in the state of California with a current A.M. Best rating of no less than A:VII,unless otherwise acceptable to City. Verification of Coverage Permittee shall furnish City with original Certificates of Insurance including all required amendatory endorsements (or copies of the applicable policy language effecting coverage required by this clause) and a copy of the Declarations and Endorsement Page of the CGL policy listing all policy endorsements to Entity before work begins. However,failure to obtain the required documents prior to the work beginning shall not waive Permittee's obligation PrimeGlobal 203 N.Brea Blvd,Suite 203,Brea, '1611 E.Fourth Street.Suite 200, 2151 River Plaza Dr.,Suite 150. 21 Waterway Ave„Suite 30089 www.lslcpas.com CA 92821 Santa Ana,CA 92701 Sacramento,CA 95833 The Woodlands,TX 77380 (714)672-0022 (714)569-1000 (916)503-9691 (936)828-4587 info@Isicpas.com to provide them. City reserves the right to require complete, certified copies of all required insurance policies, including endorsements required by these specifications,at any time. Claims Made Policies If any of the required policies provide coverage on a claims-made basis: 1.The retroactive date must be shown and must be before the date of the contract or the beginning of work. 2. Insurance must be maintained and evidence of insurance must be provided for at least three (3)years after completion of work. 3. If coverage is canceled or non-renewed, and not replaced with another claims-made policy form with a retroactive date prior to the contract effective date, Company must purchase"extended reporting"coverage for a minimum of three(3)years after completion of work. Subcontractors Contractor shall require and verify that all sub-contractors maintain insurance meeting all the requirements stated herein, and Contractor shall ensure that City is an additional insured on insurance required from sub-contractors. Special Risks or Circumstances City reserves the right to modify these requirements, including limits, based on the nature of the risk, prior experience,insurer, coverage,or other special circumstances. PrimeGlobal 203 N.Brea Blvd,Suite 203,Brea, 1611 E.Fourth Street.Suite 200, 2151 River Plaza Dr.,Suite 150, 21 Waterway Ave.,Suite 30089 www.Islcpas,com CA 92821 Santa Ana,CA 92701 Sacramento,CA 95833 The Woodlands,TX 77380 (714)672-0022 (714)569-1000 (916)503-9691 (936)828-4587 info@Islcpas.com Lance SoII & Lunghard LLP - Technology and Accounting Consulting Services - CAO signed 6-26-24(407945. 1 ) Final Audit Report 2024-07-02 Created: 2024-06-28 By: Angie Madsen(angie.madsen@Islcpas.com) Status: Signed Transaction ID: CBJCHBCAABAA-eIEgNHjCKWAyWgRU9nxLAAAWUUIs6V5 "Lance SoII & Lunghard LLP - Technology and Accounting Cons ulting Services - CAO signed 6-26-24(407945. 1 )" History 'D Document created by Angie Madsen (angie.madsen@Islcpas.com) 2024-06-28-4:00:05 PM GMT El Document emailed to Gail Gray(Gail.Gray@Islcpas.com)for signature 2024-06-28-4:00:13 PM GMT Email viewed by Gail Gray(Gail.Gray@Islcpas.com) 2024-07-02-2:06:56 PM GMT t/o Document e-signed by Gail Gray(Gail.Gray@Islcpas.com) Signature Date:2024-07-02-2:07:58 PM GMT-Time Source:server 0 Agreement completed. 2024-07-02-2:07:58 PM GMT Adobe Acrobat Sign Lance Soil Lunghard LLP - Technology and Accounting Consulting Services - CAO signed 6-26-24(407945. 1 ) - signed Final Audit Report 2024-07-08 Created: 2024-07-08 By: Kristin Andrade(kandrade@santa-ana.org) Status: Signed Transaction ID: CBJCHBCAABAAbQeHDFpY6DujSgTUdMKJslgytNSzls_A "Lance SoII Lunghard LLP - Technology and Accounting Consul ting Services - CAO signed 6-26-24(407945.1 ) - signed" History i Document created by Kristin Andrade (kandrade@santa-ana.org) 2024-07-08-10:19:51 PM GMT E-o. Document emailed to Kathryn Downs (kdowns@santa-ana.org)for signature 2024-07-08-10:20:18 PM GMT Email viewed by Kathryn Downs (kdowns@santa-ana.org) 2024-07-08-10:53:47 PM GMT 60 Document e-signed by Kathryn Downs (kdowns@santa-ana.org) Signature Date:2024-07-08-10:54:06 PM GMT-Time Source:server ® Agreement completed. 2024-07-08-10:54:06 PM GMT Q Adobe Acrobat Sign Ac o® CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DDIYYYY) `••----- 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 Lindsey Jamall iAi1E: The Liberty Company Insura Brokers • 'HON •(888)40 -396 • FAX Lic#0D79653 _finN RNI1 �a Iy o�nIacor�I nc 5955 De Soto Ave,Ste 25 INSURER(S)• AFFORDING COVERAGE NAIC# Woodland Hills I eA 91367 I, uR S nti I ra o any 11000 INSURED ,is Z : a r s n t ce o cue v e d o 29424 Lance Soil&Lunghard LLP INSUF Q C: ^/JJJjjj 7 (x�203 N Brea B •Ste 203 INSLUID t f'�• L o 2 /, •o/ •O V Brea A - ` si at RER F: ` L_.fL COVERAGES _Wr• . AT'VAL .4!" C' ' 211 WA Mr • 1 Ut f IlENTSfill THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BEL('N H .JE BEEN ISSUED 0 T Eft.:a-• D It, . D':OVE.7- HE-7 w•ERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT,TERM OR CO'.OIT' iN OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAYBE ISSUED OR MAY PERTAIN,THE INSURANCE A:r,RDED 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 AUUL SUI*t POLICY EFF POLICY EXP LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER (MM/DD/YYYYI_(MM/DD/YYYY) LIMITS X COMMERCIAL GENERAL LIABILITY 2,000,000 EACH OCCURRENCE s X DAMAGE WR BlED CLAIMS-MADE OCCUR PREMISES(Ea occurrence) $ 1,000,000 MED EXP(Any one person) $ 10,000 A Y Y 57SBABM1263 10/12/2023 10/12/2024 PERSONAL&ADV INJURY $ 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 4,000,000 X POLICY PRO- II LOC PRODUCTS-COMP/OPAGG $ 4,000,000 JECT OTHER: $ AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ 2,000,000 (Ea accident) ANY AUTO BODILY INJURY(Per person) $ A OWNED SCHEDULED Y Y 57SBABM1263 10/12/2023 10/12/2024 BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS XHIRED N., NON-OWNED PROPERTY DAMAGE s AUTOS ONLY _ AUTOS ONLY (Per accident) $ X UMBRELLA LIAB X OCCUR EACH OCCURRENCE s 1,000,000 A EXCESS LIAB CLAIMS-MADE 57SBABM1263 10/12/2023 10/12/2024 AGGREGATE $ 1,000,000 DED X RETENTION$ 10,000 $ WORKERS COMPENSATION PER OTH- AND EMPLOYERS'LIABILITY X STATUTE ER Y/N B ANY PROPRIETOR/PARTNERJEXECUTIVE E.L.EACH ACCIDENT $ 1,000,000 OFFICER/MEMBER EXCLUDED? Ti N/A Y 57WECAZ7TWB 10/12/2023 10/12/2024 (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ 1,000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ 1,O00,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES(ACORD 101,Additional Remarks Schedule,may be attached if more space Is required) City of Santa Ana,its City Council,its officers,officials,employees,agents,and volunteers are Additional Insureds with respect to General and Auto Liability. Coverage is Primary&Non-Contributory and Waiver of Subrogation Applies to General and Auto Liability per Form SS 00080405,Waiver of Subrogation applies to Workers Compensation per Form WC 04 03 06.All above provisions are per Terms of Written Contract with the Named Insured.30 days notice of cancellation of listed policies provided in favor of Certificate Holder. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF,NOTICE WILL BE DELIVERED IN City of Santa Ana 'ACCORDANCE WITH THE POLICY PROI` / a„orzµrf Mana gement.tDNision Finance&Management Services AUTHORIZED REPRESENTATIVE REVIEWED&APPROVED BY: t: 20 Civic Center Plaza M-17 Santa Ana CA 92701 9.!` .: A�A6w t Risk Management Specialist ©1988.2015 ACOF/ ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD A ® DATE(MMIDDM/YY) CERTIFICATE OF LIABILITY INSURANCE 06l28/24 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: Affinity Insurance Services PHONE I FAX 1100 Virginia Drive,Suite 250 iE Mn °Ext): tac,ro): Fort Washington, PA 19034 ADDRESS: INSURER'S)AFFORDING COVERAGE NAIC# INSURER A:Continental Casualty Company 20443 INSURED INSURER B: Lance, Soll&Lunghard,LLP . ...._ 203 N Brea Boulevard INSURER C: Suite:203 _INSURER o: Brea, CA 92821-4056 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'.SUBR1 POLICY EFF POLICY EXP LTR :INSD WVD I POLICY NUMBER (MMIDDIYYYY) (MMIDDIYYY`f) LIMITS I COMMERCIAL GENERAL LIABILITY ' EACH OCCURRENCE S DAMAGE TO RENTED S CLAIMS-MADE : l OCCUR PREMISES(Ea occurrence) MED EXP(Any one person) S I PERSONAL&ADV INJURY S GEN'L AGGREGATE LIMIT APPLIES PER: -_GENERAL AGGREGATE S PRO- POLICY JECT J LOC ( I PRODUCTS-COMP/OP AGG S S OTHER. I i AUTOMOBILE LIABILITY I COMBINED SINGLEUMIT S i(Ea accident) _ANY AUTO ; BODILY INJURY(Per person) S OWNED I SCHEDULED ___ AUTOS ONLY AUTOS ,BODILY INJURY(Per accident) S HIRED NON-OWNED i PROPERTY DAMAGE 5 AUTOS ONLY AUTOS ONLY .LPer acddere)____ S UMBRELLA LIAB OCCUR EACH OCCURRENCE S EXCESS LIAB CLAIMS-MADE i AGGREGATE S DED I RETENTIONS I I S WORKERS COMPENSATION PER 0TH- AND EMPLOYERS'LIABILITY STATUTE ER ANYPROPRIETOR/PARTNERIEXECUTIVE YIN EL EACH ACCIDENT 5 OFFICERIMEMBEREXCLUDED7 pi.NIA --— -- (MandatoryinNH) EL DISEASE-EA EMPLOYEE 5 If yes,describe under 1 i DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT S A Professional Liability I I APL-275513554 10/12/2023 10/12/2024 Per Claim/Aggregate $2,000,000/2,000,000 Limits shown are as requested. . DESCRIPTION OF OPERATIONS/LOCATIONS I VEHICLES(ACORD 101,Additional Remarks Schedule,may be attached if more space is required) CERTIFICATE HOLDER CANCELLATION City of Santa Ana SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Finance& Management Services Agency THE EXPIRATION DATE THEREOF, Mnrir c um I ac rici IUFRFn IM Accounting Division • ACCORDANCE WITH THE POLICY PRO\\ 20 Civic Center Plaza M-17 a Risk $ D19b(on .' Santa Ana, CA 92701 AUTHORIZED REPRESENTATIVE o- REVIEWED&APPROVED BY: <'. - Affinity Insurance Service `''..a A Acevaoto Risk Management Specialist ©1988-2015 ACORD Co, ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD SPECTRUM POLICY DECLARATIONS (Continued) POLICY NUMBER: 57 SBA BM1263 LOSS PAYEE CITIZENS BUSINESS BANK ITS SUCCESSO FORM SS 12 12 R PO BOX 390785 MINNEAPOLIS, MN. 55439 PROPERTY: BPP LOSS PAYEE PITNEY BOWES GLOBAL FINANCIAL FORM SS 12 12 27 WATERVIEW DR SHELTON, CT. 06484 PROPERTY: BPP Form Numbers of Forms and Endorsements that apply: SS 00 01 03 14 SS 00 05 10 08 SS 00 07 07 05 SS 00 08 04 05 SS 00 45 12 06 SS 00 60 09 15 SS 00 61 07 19 SS 00 64 09 16 SS 84 01 09 07 SS 41 70 06 11 SS 41 71 12 19 SS 01 21 02 20 SS 42 06 03 17 SS 04 08 09 07 SS 04 19 04 09 SS 04 22 07 05 SS 04 30 07 05 SS 04 38 09 09 SS 04 39 07 05 SS 04 41 03 18 SS 04 42 03 17 SS 04 44 07 05 SS 04 45 07 05 SS 04 46 09 14 SS 04 47 04 09 SS 04 80 03 00 SS 04 86 03 00 SS 40 18 07 05 SS 40 26 03 17 SS 40 50 10 08 SS 40 93 07 05 SS 41 12 06 22 SS 41 51 10 09 SS 41 63 06 11 IH 10 01 09 86 SS 05 47 09 15 SS 51 11 03 17 0-4190-0 IH 12 05 02 21 SS 12 12 03 92 SS 12 15 03 00 SS 50 19 01 15 IH 99 40 04 09 IH 99 41 04 09 SX 80 01 06 97 SS 83 76 01 15 SS 89 93 07 16 SS 12 23 06 11 IH 12 00 11 85 ADDITIONAL INSURED - PERSON-ORGANIZATION IH 12 00 11 85 WAIVER OF SUBROGATION IH 12 00 11 85 ENDORSEMENT #008 EFFECTIVE DATE 02/05/2021 IH 12 00 11 85 ENDORSEMENT #011 EFFECTIVE DATE 03/10/2021 IH 12 00 11 85 ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTOR - SCHEDULED PERSON OR ORGANIZATION Risk Management Division .= REviEw c&APPROVED BY: A Amek • Risk Management Specialist Form SS 00 02 12 06 Page 014 / Process Date: 0 7/2 5/2 3 Pol icy Expiration Date: 10/12/2 4 QUICK REFERENCE BUSINESS LIABILITY COVERAGE FORM READ YOUR POLICY CAREFULLY BUSINESS LIABILITY COVERAGE FORM Beginning on Page A. COVERAGES 1 Business Liability 1 Medical Expenses 2 Coverage Extension -Supplementary Payments 2 B. EXCLUSIONS 3 C. WHO IS AN INSURED 10 D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE 14 E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 15 1. Bankruptcy 15 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit 15 3. Financial Responsibility Laws 16 4. Legal Action Against Us 16 5. Separation Of Insureds 16 6. Representations 16 7. Other Insurance 16 8. Transfer Of Rights Of Recovery Against Others To Us 17 F. OPTIONAL ADDITIONAL INSURED COVERAGES 18 Additional Insureds 18 G. LIABILITY AND MEDICAL EXPENSES DEFINITIONS 20 \ / o�M an.xcf Ntllc� Ms rim r REVIEWED&APPROVED� 8 ceNdo i:)) A A Risk Management Specialist f \ Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we", "us"and "our" refer to the stock insurance company member of The Hartford providing this insurance. The word "insured" means any person or organization qualifying as such under Section C. -Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section G. - Liability And Medical Expenses Definitions. A. COVERAGES (a) The "bodily injury" or "property 1. BUSINESS LIABILITY COVERAGE (BODILY damage" is caused by an INJURY, PROPERTY DAMAGE, PERSONAL "occurrence" that takes place in the AND ADVERTISING INJURY) coverage territory"; Insuring Agreement (b) The "bodily injury" or "property damage" occurs during the policy a. We will pay those sums that the insured period; and becomes legally obligated to pay as damages because of "bodily injury", (c) Prior to the policy period, no insured "property damage" or "personal and listed under Paragraph 1. of Section C. — Who Is An Insured and no advertising injury" to which this insurance "employee"authorized by you to give applies. We will have the right and duty to or receive notice of an "occurrence" defend the insured against any "suit" or claim, knew that the "bodily injury" seeking those damages. However, we will or "property damage" had occurred, have no duty to defend the insured against any "suit" seeking damages for "bodily in whole or in part. If such a listed injury", "property damage" or "personal and insured or authorized "employee" advertising injury" to which this insurance knew, prior to the policy period, that does not apply. the "bodily injury" or "property damage" occurred, then any We may, at our discretion, investigate any continuation, change or resumption "occurrence" or offense and settle any claim of such "bodily injury" or "property or"suit" that may result. But: damage" during or after the policy (1) The amount we will pay for damages is period will be deemed to have been limited as described in Section D. - known prior to the policy period. Liability And Medical Expenses Limits (2) To "personal and advertising injury" Of Insurance; and caused by an offense arising out of your (2) Our right and duty to defend ends when business, but only if the offense was we have used up the applicable limit of committed in the "coverage territory" insurance in the payment of judgments, during the policy period. settlements or medical expenses to which c. "Bodily injury" or "property damage" will be this insurance applies. deemed to have been known to have No other obligation or liability to pay sums or occurred at the earliest time when any perform acts or services is covered unless insured listed under Paragraph 1. of Section explicitly provided for under Coverage C. — Who Is An Insured or any "employee" Extension-Supplementary Payments. authorized by you to give or receive notice b. This insurance applies: of an "occurrence"or claim: (1) To "bodily injury" and "pro e (1) Reports all nr an/ Hart of tho "hnrlih, P rty \ damage" only if: injury or tt;skMxnagameritDtviston any other ii REVIEWED&APPROVED BY: `'r n'd ' A :e AaV!EINEelO Risk Management Specialist Form SS 00 08 04 05 rage I or L4 © 2005, The Hartford BUSINESS LIABILITY COVERAGE FORM (2) Receives a written or verbal demand or b. We will make these payments regardless of claim for damages because of the "bodily fault. These payments will not exceed the injury"or"property damage";or applicable limit of insurance. We will pay (3) Becomes aware by any other means that reasonable expenses for: "bodily injury" or "property damage" has (1) First aid administered at the time of an occurred or has begun to occur. accident; d. Damages because of "bodily injury" include (2) Necessary medical, surgical, x-ray and damages claimed by any person or dental services, including prosthetic organization for care, loss of services or devices; and death resulting at any time from the "bodily (3) Necessary ambulance, hospital, injury". professional nursing and funeral e. Incidental Medical Malpractice services. (1) "Bodily injury" arising out of the 3. COVERAGE EXTENSION - rendering of or failure to render SUPPLEMENTARY PAYMENTS professional health care services as a a. We will pay, with respect to any claim or physician, dentist, nurse, emergency "suit" we investigate or settle, or any "suit" medical technician or paramedic shall against an insured we defend: be deemed to be caused by an "occurrence", but only if: (1) All expenses we incur. (a) The physician, dentist, nurse, (2) Up to $1,000 for the cost of bail bonds emergency medical technician or required because of accidents or traffic paramedic is employed by you to law violations arising out of the use of provide such services; and any vehicle to which Business Liability Coverage for"bodily injury" applies. We (b) You are not engaged in the do not have to furnish these bonds. business or occupation of providing such services. (3) The cost of appeal bonds or bonds to release attachments, but only for bond (2) For the purpose of determining the amounts within the applicable limit of limits of insurance for incidental medical insurance. We do not have to furnish malpractice, any act or omission these bonds. together with all related acts or omissions in the furnishing of these (4) All reasonable expenses incurred by the services to any one person will be insured at our request to assist us in the investigation or defense of the claim or considered one"occurrence". 2. MEDICAL EXPENSES "suit", including actual loss of earnings up to $500 a day because of time off Insuring Agreement from work. a. We will pay medical expenses as described (5) All costs taxed against the insured in below for "bodily injury" caused by an the "suit". accident: (6) Prejudgment interest awarded against (1) On premises you own or rent; the insured on that part of the judgment (2) On ways next to premises you own or we pay. If we make an offer to pay the rent; or applicable limit of insurance, we will not (3) Because of your operations; pay any prejudgment interest based on that period of time after the offer. provided that: (7) All interest on the full amount of any (1) The accident takes place in the judgment that accrues after entry of the "coverage territory" and during the judgment and before we have paid, policy period; offered to pay, or deposited in court the (2) The expenses are incurred and reported part of the judgment that is within the to us within three years of the date of applicable limit of insurance. the accident; and Any amounts c "` "` (3) The injured person submits to above will not r RlaleMasnagementDivision examination, at our expense, by ,;4 ;= REVIEWED&APPROVED BY: physicians of our choice as often as we A Aceveodo reasonably require. ®' 4 P Risk Management Specialist Page 2 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM b. If we defend an insured against a "suit" So long as the above conditions are met, and an indemnitee of the insured is also attorneys' fees incurred by us in the named as a party to the "suit", we will defense of that indemnitee, necessary defend that indemnitee if all of the litigation expenses incurred by us and following conditions are met: necessary litigation expenses incurred (1) The "suit" against the indemnitee by the indemnitee at our request will be seeks damages for which the insured paid as Supplementary Payments. has assumed the liability of the Notwithstanding the provisions of indemnitee in a contract or agreement Paragraph 1.b.(b) of Section B. — that is an "insured contract"; Exclusions, such payments will not be (2) This insurance applies to such liability deemed to be damages for "bodily assumed by the insured; injury" and "property damage" and will not reduce the Limits of Insurance. (3) The obligation to defend, or the cost of the defense of, that indemnitee, has Our obligation to defend an insured's also been assumed by the insured in indemnitee and to pay for attorneys' fees the same "insured contract"; and necessary litigation expenses as (4) The allegations in the "suit" and the Supplementary Payments ends when: information we know about the (1) We have used up the applicable limit "occurrence" are such that no conflict of insurance in the payment of appears to exist between the interests judgments or settlements; or of the insured and the interest of the (2) The conditions set forth above, or the indemnitee; terms of the agreement described in (5) The indemnitee and the insured ask Paragraph(6)above, are no longer met. us to conduct and control the defense B. EXCLUSIONS of that indemnitee against such "suit" 1. Applicable To Business Liability Coverage and agree that we can assign the same counsel to defend the insured This insurance does not apply to: and the indemnitee; and a. Expected Or Intended Injury (6) The indemnitee: (1) "Bodily injury" or "property damage" (a) Agrees in writing to: expected or intended from the (i) Cooperate with us in the standpoint of the insured. This investigation, settlement or exclusion does not apply to "bodily defense of the"suit"; injury" or "property damage" resulting from the use of reasonable force to (ii) Immediately send us copies of protect persons or property; or any demands, notices, (2) "Personal and advertising injury" arising summonses or legal papers out of an offense committed by, at the received in connection with direction of or with the consent or the "suit"; acquiescence of the insured with the (iii) Notify any other insurer whose expectation of inflicting "personal and coverage is available to the advertising injury". indemnitee; and b. Contractual Liability (iv) Cooperate with us with (1) "Bodilyinjury"or"property damage";or respect to coordinating other g applicable insurance available (2) "Personal and advertising injury" to the indemnitee; and for which the insured is obligated to pay (b) Provides us with written damages by reason of the assumption of authorization to: liability in a contract or agreement. (i) Obtain records and other This exclusion does not apply to liability information related to the for damages because of: "suit"; and (a) "Bodi'\ " " f (ii) Conduct and control the "pers Risk defense of the indemnitee in the REVIEWED BY: such "suit". absei '� .�'FC Aa.vaa agree ®' Risk Management Specialist Form SS 00 08 04 05 Page 3 of 24 BUSINESS LIABILITY COVERAGE FORM (b) "Bodily injury" or"property damage" (b) Performing duties related to the assumed in a contract or agreement conduct of the insured's business,or that is an "insured contract", (2) The spouse, child, parent, brother or provided the "bodily injury" or sister of that "employee" as a "property damage" occurs consequence of(1) above. subsequent to the execution of the This exclusion applies: contract or agreement. Solely for the purpose of liability assumed in (1) Whether the insured may be liable as an "insured contract", reasonable an employer or in any other capacity; attorneys' fees and necessary and litigation expenses incurred by or for (2) To any obligation to share damages a party other than an insured are with or repay someone else who must deemed to be damages because of pay damages because of the injury. "bodily injury" or "property damage" This exclusion does not apply to liability provided: assumed by the insured under an "insured (i) Liability to such party for, or for contract". the cost of, that party's defense f. Pollution has also been assumed in the same"insured contract",and (1) "Bodily injury", "property damage" or "personal and advertising injury" (ii) Such attorneys' fees and arising out of the actual, alleged or litigation expenses are for threatened discharge, dispersal, defense of that party against a seepage, migration, release or escape civil or alternative dispute of"pollutants": resolution proceeding in which damages to which this (a) At or from any premises, site or insurance applies are alleged. location which is or was at any time owned or occupied by, or c. Liquor Liability rented or loaned to any insured. "Bodily injury" or "property damage" for However, this subparagraph does which any insured may be held liable by not apply to: reason of: (i) "Bodily injury"if sustained within (1) Causing or contributing to the a building and caused by intoxication of any person; smoke, fumes, vapor or soot (2) The furnishing of alcoholic beverages to produced by or originating from a person under the legal drinking age or equipment that is used to heat, under the influence of alcohol; or cool or dehumidify the building, (3) Any statute, ordinance or regulation or heat waterequeort thate is used to relating to the sale, gift, distribution or for personal use, by use of alcoholic beverages. the building's occupants or their guests; This exclusion applies only if you are in the (ii) "Bodilyinjury" or "property business of manufacturing, distributing, damage" for which you may be selling, serving or furnishing alcoholic held liable, if you are a beverages. contractor and the owner or d. Workers' Compensation And Similar lessee of such premises, site or Laws location has been added to your Any obligation of the insured under: a policy as an additional insured workers' compensation, disability benefits with respect to your ongoing or unemployment compensation law or operations performed for that any similar law. additional insured at that e. Employer's Liability premises, site or location and "Bodily injury" to: such premises, site or location (1) An "employee" of the insured arising o\ Ris out of and in the course of: �'R""° `�D �` I( i/" REVIEWED&APPROVED BY: (a) Employment the insured; or tt ,, by +..( A4lia Ace ` : l R isk Management Specialist ,• Page 4 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (iii) "Bodily injury" or "property released as part of the damage" arising out of heat, operations being performed smoke or fumes from a by such insured, contractor or "hostile fire"; subcontractor; (b) At or from any premises, site or (ii) "Bodily injury" or "property location which is or was at any damage" sustained within a time used by or for any insured or building and caused by the others for the handling, storage, release of gases, fumes or disposal, processing or treatment vapors from materials brought of waste; into that building in connection (c) Which are or were at any time with operations being performed transported, handled, stored, by you or on your behalf by a treated, disposed of, or processed contractor or subcontractor; or as waste by or for: (iii) "Bodily injury" or "property (i) Any insured; or damage" arising out of heat, smoke or fumes from a (ii) Any person or organization for "hostile fire"; or whom you may be legally responsible; (e) At or from any premises, site or location on which any insured or any (d) At or from any premises, site or contractors or subcontractors location on which any insured or working directly or indirectly on any any contractors or subcontractors insured's behalf are performing working directly or indirectly on operations if the operations are to any insured's behalf are test for, monitor, clean up, remove, performing operations if the contain, treat, detoxify or neutralize, "pollutants" are brought on or to or in any way respond to, or assess the premises, site or location in the effects of,"pollutants". connection with such operations by such insured, contractor or (2) Any loss, cost or expense arising out subcontractor. However, this of any: subparagraph does not apply to: (a) Request, demand, order or statutory (i) "Bodily injury" or "property or regulatory requirement that any damage" arising out of the insured or others test for, monitor, escape of fuels, lubricants or clean up, remove, contain, treat, other operating fluids which are detoxify or neutralize, or in any way needed to perform the normal respond to, or assess the effects of, electrical, hydraulic or "pollutants";or mechanical functions (b) Claim or suit by or on behalf of a necessary for the operation of governmental authority for "mobile equipment"or its parts, damages because of testing for, if such fuels, lubricants or other monitoring, cleaning up, removing, operating fluids escape from a containing, treating, detoxifying or vehicle part designed to hold, neutralizing, or in any way store or receive them. This responding to, or assessing the exception does not apply if the effects of, "pollutants". "bodily injury" or "property However, this paragraph does not damage" arises out of the apply to liability for damages because intentional discharge, dispersal of "property damage" that the insured or release of the fuels, would have in the absence of such lubricants or other operating request, demand, order or statutory or fluids, or if such fuels, regulatory requirement, or such claim lubricants or other operating or "suit" by or on behalf of a fluids are brought on or to the governmt • • f premises, site or location with Risk ManagementDtvision the intent that they be REVIEWED&APPROV BY: discharged, dispersed or fel% A Aceva�o' APPROVED Risk Management Specialist / Form SS 00 08 04 05 Page 5 of 24 BUSINESS LIABILITY COVERAGE FORM g. Aircraft,Auto Or Watercraft (2) The use of "mobile equipment" in, or "Bodily injury" or "property damage" arising while in practice or preparation for, a out of the ownership, maintenance, use or prearranged racing, speed or entrustment to others of any aircraft, "auto" demolition contest or in any stunting or watercraft owned or operated by or rented activity. or loaned to any insured. Use includes i. War operation and"loading or unloading". "Bodily injury", "property damage" or This exclusion applies even if the claims "personal and advertising injury", however against any insured allege negligence or caused,arising, directly or indirectly,out of: other wrongdoing in the supervision, hiring, (1) War, including undeclared or civil war; employment, training or monitoring of others by that insured, if the "occurrence" which (2) Warlike action by a military force, including action in hindering or caused the "bodily injury" or "property damage" involved the ownership, defending against an actual or maintenance, use or entrustment to others of expected attack, by any government, any aircraft, "auto" or watercraft that is sovereign or other authority using owned or operated by or rented or loaned to military personnel or other agents; or any insured. (3) Insurrection, rebellion, revolution, This exclusion does not apply to: usurped power, or action taken by governmental authority in hindering or (1) A watercraft while ashore on premises defending against any of these. you own or rent; j. Professional Services (2) A watercraft you do not own that is: "Bodily injury", "property damage" or (a) Less than 51 feet long; and "personal and advertising injury" arising (b) Not being used to carry persons out of the rendering of or failure to render for a charge; any professional service. This includes (3) Parking an "auto" on, or on the ways but is not limited to: next to, premises you own or rent, (1) Legal, accounting or advertising provided the "auto" is not owned by or services; rented or loaned to you or the insured; (2) Preparing, approving, or failing to (4) Liability assumed under any "insured prepare or approve maps, shop contract" for the ownership, drawings, opinions, reports, surveys, maintenance or use of aircraft or field orders, change orders, designs or watercraft; drawings and specifications; (5) "Bodily injury" or "property damage" (3) Supervisory, inspection, architectural arising out of the operation of any of or engineering activities; the equipment listed in Paragraph f.(2) (4) Medical, surgical, dental, x-ray or or f.(3) of the definition of "mobile nursing services treatment, advice or equipment"; or instruction; (6) An aircraft that is not owned by any (5) Any health or therapeutic service insured and is hired, chartered or loaned treatment, advice or instruction; with a paid crew. However, this (6) Any service, treatment, advice or exception does not apply if the insured instruction for the purpose of has any other insurance for such "bodily injury" or "property damage", whether appearance or skin enhancement, hair the other insurance is primary, excess, removal or replacement or personal contingent or on any other basis. grooming; h. Mobile Equipment (7) Optical or hearing aid services including the prescribing, preparation, "Bodily injury" or "property damage" fitting, demonstration or distribution of arising out of: ophthalmic lenses and similar (1) The transportation of"mobile equipment" products\' by an "auto" owned or operated by or ��R.�a Risk Management Diviston rented or loaned to any insured;or EE u%' � \`:i SD&APPROVEDBY: ® Risk Management Specialist Page 6 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (8) Optometry or optometric services Paragraphs (1), (3) and (4) of this including but not limited to examination exclusion do not apply to "property of the eyes and the prescribing, damage" (other than damage by fire) to preparation, fitting,demonstration or premises, including the contents of such distribution of ophthalmic lenses and premises, rented to you for a period of 7 or similar products; fewer consecutive days. A separate Limit (9) Any: of Insurance applies to Damage To Premises Rented To You as described in (a) Body piercing (not including ear Section D. Limits Of Insurance. piercing); Paragraph (2) of this exclusion does not (b) Tattooing, including but not limited apply if the premises are "your work" and to the insertion of pigments into or were never occupied, rented or held for under the skin; and rental by you. (c) Similar services; Paragraphs(3) and (4) of this exclusion do (10) Services in the practice of pharmacy; not apply to the use of elevators. and Paragraphs (3), (4), (5) and (6) of this (11) Computer consulting, design or exclusion do not apply to liability assumed programming services, including web under a sidetrack agreement. site design. Paragraphs (3) and (4)of this exclusion do Paragraphs (4) and (5)of this exclusion do not apply to "property damage" to not apply to the Incidental Medical borrowed equipment while not being used Malpractice coverage afforded under to perform operations at a job site. Paragraph 1.e. in Section A. -Coverages. Paragraph (6) of this exclusion does not k. Damage To Property apply to "property damage" included in the "Property damage"to: "products-completed operations hazard". (1) Property you own, rent or occupy, I. Damage To Your Product including any costs or expenses "Property damage" to "your product" incurred by you, or any other person, arising out of it or any part of it. organization or entity, for repair, m. Damage To Your Work replacement, enhancement, restoration or maintenance of such "Property damage" to "your work" arising property for any reason, including out of it or any part of it and included in the prevention of injury to a person or "products-completed operations hazard". damage to another's property; This exclusion does not apply if the (2) Premises you sell, give away or damaged work or the work out of which abandon, if the"property damage"arises the damage arises was performed on your out of any part of those premises; behalf by a subcontractor. (3) Property loaned to you; n. Damage To Impaired Property Or Property Not Physically Injured (4) Personal property in the care, custody or control of the insured; "Property damage" to "impaired property" or property that has not been physically (5) That particular part of real property on injured, arising out of: which you or any contractors or subcontractors working directly or (1) A defect, deficiency, inadequacy or indirectly on your behalf are performing dangerous condition in "your product" operations, if the "property damage" or"your work"; or arises out of those operations;or (2) A delay or failure by you or anyone (6) That particular part of any property acting on your behalf to perform a that must be restored, repaired or contract or agreement in accordance replaced because "your work" was with its terms. incorrectly performed on it. This exclusion does not apply to the loss of use of o\ sudden and a"'°",;e WekM4nagenuntDivision cl?� . \�'� REVIEWED&APPROVaD By: "your produc a beenput to it A ?lava, ® Risk Management Specialist Form SS 00 08 04 05 Page 7 of 24 BUSINESS LIABILITY COVERAGE FORM o. Recall Of Products, Work Or Impaired (c) Title of any literary or artistic work; Property (8) Arising out of an offense committed by Damages claimed for any loss, cost or an insured whose business is: expense incurred by you or others for the (a) Advertising, broadcasting, loss of use, withdrawal, recall, inspection, publishing or telecasting; repair, replacement, adjustment, removal (b) Designing or determining content or disposal of: of web sites for others; or (1) "Your product"; (c) An Internet search, access, (2) "Your work"; or content or service provider. (3) "Impaired property"; However, this exclusion does not if such product, work or property is apply to Paragraphs a., b. and c. withdrawn or recalled from the market or under the definition of "personal and from use by any person or organization advertising injury" in Section G. — because of a known or suspected defect, Liability And Medical Expenses deficiency, inadequacy or dangerous Definitions. condition in it. For the purposes of this exclusion, p. Personal And Advertising Injury placing an "advertisement" for or "Personal and advertising injury": linking to others on your web site, by itself, is not considered the business (1) Arising out of oral, written or electronic of advertising, broadcasting, publication of material, if done by or at the direction of the insured with publishing or telecasting; knowledge of its falsity; (9) Arising out of an electronic chat room or bulletin board the insured hosts, (2) Arising out of oral, written or electronic publication of material whose first owns, or over which the insured exercises control; publication took place before the beginning of the policy period; (10) Arising out of the unauthorized use of another's name or product in your e-mail (3) Arising out of a criminal act committed address, domain name or metatags, or by or at the direction of the insured; any other similar tactics to mislead (4) Arising out of any breach of contract, another's potential customers; except an implied contract to use (11) Arising out of the violation of a another's "advertising idea" in your person's right of privacy created by "advertisement"; any state or federal act. (5) Arising out of the failure of goods, However, this exclusion does not products or services to conform with apply to liability for damages that the any statement of quality or insured would have in the absence of performance made in your such state or federal act; "advertisement"; (6) Arising out of the wrong description of (12) Arising out of: the price of goods, products or services; (a) An "advertisement" for others on (7) Arising out of any violation of any your web site; intellectual property rights such as (b) Placing a link to a web site of copyright, patent, trademark, trade others on your web site; name, trade secret, service mark or (c) Content from a web site of others other designation of origin or displayed within a frame or border authenticity. on your web site. Content includes However, this exclusion does not information, code, sounds, text, apply to infringement, in your graphics or images;or "advertisement", of (d) Computer code, software or (a) Copyright; programming used to enable: (b) Slogan, unless the slogan is also (i) Risk Msawgetnent DMsWn a trademark, trade name, service (ii) T m P` REVIEWED&APPRovSY: mark or other designation of origin o `l 4 A to&oda or authenticity; or c ®' Risk Management Specialist f Page 8 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (13) Arising out of a violation of any anti- (a) May be awarded or incurred by trust law; reason of any claim or suit (14) Arising out of the fluctuation in price or alleging actual or threatened injury value of any stocks, bonds or other or damage of any nature or kind to securities; or persons or property which would not have occurred in whole or in (15) Arising out of discrimination or part but for the "asbestos hazard"; humiliation committed by or at the direction of any "executive officer", (b) Arise out of any request, demand, director, stockholder, partner or order or statutory or regulatory member of the insured. requirement that any insured or others test for, monitor, clean up, q. Electronic Data remove, encapsulate, contain, Damages arising out of the loss of, loss of treat, detoxify or neutralize or in use of, damage to, corruption of, inability any way respond to or assess the to access, or inability to manipulate effects of an "asbestos hazard"; or "electronic data". (c) Arise out of any claim or suit for r. Employment-Related Practices damages because of testing for, "Bodily injury" or"personal and advertising monitoring, cleaning up, removing, injury"to: encapsulating, containing, treating, (1) A person arising out of any: detoxifying or neutralizing or in any way responding to or assessing the (a) Refusal to employ that person; effects of an"asbestos hazard". (b) Termination of that person's t. Violation Of Statutes That Govern E- employment; or Mails, Fax, Phone Calls Or Other (c) Employment-related practices, Methods Of Sending Material Or policies, acts or omissions, such as Information coercion, demotion, evaluation, "Bodily injury", "property damage", or reassignment, discipline, "personal and advertising injury" arising defamation, harassment, humiliation directly or indirectly out of any action or or discrimination directed at that omission that violates or is alleged to person;or violate: (2) The spouse, child, parent, brother or (1) The Telephone Consumer Protection sister of that person as a Act (TCPA), including any amendment consequence of "bodily injury" or of or addition to such law; "personal and advertising injury"to the (2) The CAN-SPAM Act of 2003, including person at whom any of the any amendment of or addition to such employment-related practices law; or described in Paragraphs (a), (b), or(c) above is directed. (3) Any statute, ordinance or regulation, This exclusion applies: other than the TCPA or CAN-SPAM Act of 2003, that prohibits or limits the (1) Whether the insured may be liable as sending, transmitting, communicating or an employer or in any other capacity; distribution of material or information. and Damage To Premises Rented To You — (2) To any obligation to share damages Exception For Damage By Fire, Lightning with or repay someone else who must or Explosion pay damages because of the injury. Exclusions c. through h. and k. through o. do s. Asbestos not apply to damage by fire, lightning or (1) "Bodily injury", "property damage" or explosion to premises rented to you or "personal and advertising injury" temporarily occupied by you with permission of arising out of the "asbestos hazard". the owner. A separate Limit of Insurance (2) Any damages, judgments, settlements, applies to this rrniarana ac rlacrrihari in loss,costs or expenses that: Section D. - Liar Risk MznagemenEDivision Limits Of Insurarn °";,.."`` REv;EWED&APPROVED Br mama Risk Management Specialist Form SS 00 08 04 05 Page 9 of 24 BUSINESS LIABILITY COVERAGE FORM 2. Applicable To Medical Expenses Coverage e. A trust, you are an insured. Your trustees We will not pay expenses for"bodily injury": are also insureds, but only with respect to their duties as trustees. a. Any Insured 2. Each of the following is also an insured: To any insured,except"volunteer workers". b. Hired Person a. Employees And Volunteer Workers To a person hired to do work for or on behalf Your "volunteer workers" only while of any insured or a tenant of any insured. performing duties related to the conduct of your business, or your "employees", other c. Injury On Normally Occupied Premises than either your "executive officers" (if you To a person injured on that part of are an organization other than a premises you own or rent that the person partnership,joint venture or limited liability normally occupies. company) or your managers (if you are a d. Workers' Compensation And Similar limited liability company), but only for acts Laws within the scope of their employment by you or while performing duties related to To a person, whether or not an the conduct of your business. "employee" of any insured, if benefits for the "bodily injury" are payable or must be However, none of these "employees" or provided under a workers' compensation "volunteer workers" are insureds for: or disability benefits law or a similar law. (1) "Bodily injury" or "personal and e. Athletics Activities advertising injury": To a person injured while practicing, (a) To you, to your partners or instructing or participating in any physical members (if you are a partnership exercises or games, sports or athletic or joint venture), to your members contests. (if you are a limited liability company), or to a co-"employee" f. Products-Completed Operations Hazard while in the course of his or her Included with the "products-completed employment or performing duties operations hazard". related to the conduct of your g. Business Liability Exclusions business, or to your other Excluded under Business Liability Coverage. "volunteer workers" while performing duties related to the C. WHO IS AN INSURED conduct of your business; 1. If you are designated in the Declarations as: (b) To the spouse, child, parent, a. An individual, you and your spouse are brother or sister of that co- insureds, but only with respect to the "employee" or that "volunteer conduct of a business of which you are the worker" as a consequence of sole owner. Paragraph (1)(a)above; b. A partnership or joint venture, you are an (c) For which there is any obligation insured. Your members, your partners, and to share damages with or repay their spouses are also insureds, but only with someone else who must pay respect to the conduct of your business. damages because of the injury c. A limited liability company, you are an described in Paragraphs (1)(a) or insured. Your members are also insureds, (b)above; or but only with respect to the conduct of your (d) Arising out of his or her providing business. Your managers are insureds, but or failing to provide professional only with respect to their duties as your health care services. managers. If you are not in the business of d. An organization other than a partnership, providing professional health care joint venture or limited liability company, you services, Paragraph (d) does not apply are an insured. Your"executive officers"and to any nurse, emergency medical directors are insureds, but only with respect technician\ / to their duties as your officers or directors. you to prc o„,M, Risk ManagementDivisb. Pi REVIEWED&APPROVED BY: a, Your stockholders are also insureds, but only (2) "Property aoa�� c.,; A> 1Qcevetla with respect to their liability as stockholders. (a) Owru Risk Management Specialist 1 Page 10 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (b) Rented to, in the care, custody or b. Coverage under this provision does not control of, or over which physical apply to: control is being exercised for any (1) "Bodily injury" or "property damage" purpose by you, any of your that occurred; or "employees", "volunteer workers", (2) "Personal and advertising injury" any partner or member (if you are a partnership or joint venture), or arising out of an offense committed any member (if you are a limited before you acquired or formed the liability company). organization. b. Real Estate Manager 4. Operator Of Mobile Equipment Any person (other than your"employee" or With respect to "mobile equipment" registered in "volunteer worker"), or any organization your name under any motor vehicle registration while acting as your real estate manager. law, any person is an insured while driving such c. Temporary Custodians Of Your equipment along a public highway with your Property permission. Any other person or organization responsible for the conduct of such person is Any person or organization having proper also an insured, but only with respect to liability temporary custody of your property if you arising out of the operation of the equipment, and die, but only: only if no other insurance of any kind is available (1) With respect to liability arising out of the to that person or organization for this liability. maintenance or use of that property; and However, no person or organization is an insured (2) Until your legal representative has with respect to: been appointed. a. "Bodily injury" to a co-"employee" of the d. Legal Representative If You Die person driving the equipment; or Your legal representative if you die, but b. "Property damage" to property owned by, only with respect to duties as such. That rented to, in the charge of or occupied by representative will have all your rights and you or the employer of any person who is duties under this insurance. an insured under this provision. e. Unnamed Subsidiary 5. Operator of Nonowned Watercraft Any subsidiary and subsidiary thereof, of With respect to watercraft you do not own that yours which is a legally incorporated entity is less than 51 feet long and is not being used of which you own a financial interest of to carry persons for a charge, any person is an more than 50% of the voting stock on the insured while operating such watercraft with effective date of this Coverage Part. your permission. Any other person or The insurance afforded herein for any organization responsible for the conduct of subsidiary not shown in the Declarations such person is also an insured, but only with as a named insured does not apply to respect to liability arising out of the operation of the watercraft, and only if no other injury or damage with respect to which an insurance of any kind is available to that insured under this insurance is also an person or organization for this liability. insured under another policy or would be an insured under such policy but for its However, no person or organization is an termination or upon the exhaustion of its insured with respect to: limits of insurance. a. "Bodily injury" to a co-"employee" of the 3. Newly Acquired Or Formed Organization person operating the watercraft; or Any organization you newly acquire or form, b. "Property damage" to property owned by, other than a partnership, joint venture or rented to, in the charge of or occupied by limited liability company, and over which you you or the employer of any person who is maintain financial interest of more than 50% of an insured under this provision. the voting stock, will qualify as a Named 6. Additional Insureds When Required By Insured if there is no other similar insurance Written Contract, Written Agreement Or available to that organization. However: Permit a. Coverage under this provision is afforded The person(s) of �� wskManagentintDMston only until the 180th day after you acquire Paragraphs a. th ' REVIEWED 6�APPROVED BY: or form the organization or the end of the insureds when y '� �' f�r. ef)eevelo policy period, ® Risk Management Specialist olic whichever is earlier; and Form SS 00 08 04 05 Page 11 of 24 BUSINESS LIABILITY COVERAGE FORM contract, written agreement or because of a (e) Any failure to make such permit issued by a state or political inspections, adjustments, tests or subdivision, that such person or organization servicing as the vendor has be added as an additional insured on your agreed to make or normally policy, provided the injury or damage occurs undertakes to make in the usual subsequent to the execution of the contract or course of business, in connection agreement, or the issuance of the permit. with the distribution or sale of the A person or organization is an additional products; insured under this provision only for that (f) Demonstration, installation, period of time required by the contract, servicing or repair operations, agreement or permit. except such operations performed at the vendor's premises in However, no such person or organization is an connection with the sale of the additional insured under this provision if such product; person or organization is included as an additional insured by an endorsement issued (g) Products which, after distribution by us and made a part of this Coverage Part, or sale by you, have been labeled including all persons or organizations added or relabeled or used as a as additional insureds under the specific container, part or ingredient of any additional insured coverage grants in Section other thing or substance by or for F.—Optional Additional Insured Coverages. the vendor; or a. Vendors (h) "Bodily injury" or "property damage" arising out of the sole Any person(s) or organization(s) (referred to negligence of the vendor for its below as vendor), but only with respect to own acts or omissions or those of "bodily injury" or "property damage" arising its employees or anyone else out of "your products" which are distributed acting on its behalf. However, this or sold in the regular course of the vendor's exclusion does not apply to: business and only if this Coverage Part provides coverage for "bodily injury" or (i) The exceptions contained in "property damage" included within the Subparagraphs (d)or(f); or "products-completed operations hazard". (ii) Such inspections, adjustments, (1) The insurance afforded to the vendor tests or servicing as the vendor is subject to the following additional has agreed to make or normally exclusions: undertakes to make in the usual course of business, in This insurance does not apply to: connection with the distribution (a) "Bodily injury" or "property or sale of the products. damage" for which the vendor is (2) This insurance does not apply to any obligated to pay damages by insured person or organization from reason of the assumption of whom you have acquired such products, liability in a contract or agreement. or any ingredient, part or container, This exclusion does not apply to entering into, accompanying or liability for damages that the containing such products. vendor would have in the absence of the contract or agreement; b. Lessors Of Equipment (b) Any express warranty (1) Any person or organization from unauthorized by you; whom you lease equipment; but only with respect to their liability for "bodily (c) Any physical or chemical change injury", "property damage" or in the product made intentionally "personal and advertising injury" by the vendor; caused, in whole or in part, by your (d) Repackaging, except when maintenance, operation or use of unpacked solely for the purpose of equipment leased to you by such inspection, demonstration, testing, person oi\ . " / or the substitution of parts under .,R''< RMk Management Division instructions from the manufacturer, L,�� 'c..= REVIEWED&APPROVEtDBY: and then repackaged in the a 4 , A Aceuado original container; - Risk Management Specialist / Page 12 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (2) With respect to the insurance afforded e. Permits Issued By State Or Political to these additional insureds, this Subdivisions insurance does not apply to any (1) Any state or political subdivision, but "occurrence" which takes place after only with respect to operations you cease to lease that equipment. performed by you or on your behalf for c. Lessors Of Land Or Premises which the state or political subdivision (1) Any person or organization from has issued a permit. whom you lease land or premises, but (2) With respect to the insurance afforded only with respect to liability arising out to these additional insureds, this of the ownership, maintenance or use insurance does not apply to: of that part of the land or premises (a) "Bodily injury", "property damage" leased to you. or "personal and advertising (2) With respect to the insurance afforded injury" arising out of operations to these additional insureds, this performed for the state or insurance does not apply to: municipality; or (a) Any "occurrence" which takes (b) "Bodily injury" or "property damage" place after you cease to lease that included within the "products- land or be a tenant in that completed operations hazard". premises; or f. Any Other Party (b) Structural alterations, new (1) Any other person or organization who construction or demolition is not an insured under Paragraphs a. operations performed by or on through e. above, but only with behalf of such person or respect to liability for "bodily injury", organization. "property damage" or "personal and d. Architects, Engineers Or Surveyors advertising injury" caused, in whole or (1) Any architect, engineer, or surveyor, but in part, by your acts or omissions or only with respect to liability for "bodily the acts or omissions of those acting injury", "property damage" or "personal on your behalf: and advertising injury" caused, in whole (a) In the performance of your or in part, by your acts or omissions or ongoing operations; the acts or omissions of those acting on (b) In connection with your premises your behalf: owned by or rented to you; or (a) In connection with your premises; (c) In connection with "your work" and or included within the "products- (b) In the performance of your completed operations hazard", but ongoing operations performed by only if you or on your behalf. (i) The written contract or written (2) With respect to the insurance afforded agreement requires you to to these additional insureds, the provide such coverage to following additional exclusion applies: such additional insured; and This insurance does not apply to (ii) This Coverage Part provides "bodily injury", "property damage" or coverage for "bodily injury" or "personal and advertising injury" "property damage" included arising out of the rendering of or the within the "products- failure to render any professional completed operations hazard". services by or for you, including: (2) With respect to the insurance afforded (a) The preparing, approving, or to these additional insureds, this failure to prepare or approve, insurance does not apply to: maps, shop drawings, opinions, "Bodily injury", "property damage" or reports, surveys, field orders, "personal. change orders, designs or arising of Risk Monigement Division drawings and specifications; or p,�,,, failure tf I�CVIEWED&APPROVmBY: (b) Supervisory, inspection, architects `!.4, ��c." A Aata�.du architectural or engineering services, ®' Risk Management Specialist activities. / Form SS 00 08 04 05 Page 13 of 24 BUSINESS LIABILITY COVERAGE FORM (a) The preparing, approving, or This General Aggregate limit does not failure to prepare or approve, apply to "property damage" to premises maps, shop drawings, opinions, while rented to you or temporarily reports, surveys, field orders, occupied by you with permission of the change orders, designs or owner, arising out of fire, lightning or drawings and specifications; or explosion. (b) Supervisory, inspection, 3. Each Occurrence Limit architectural or engineering Subject to 2.a. or 2.b above, whichever activities. applies, the most we will pay for the sum of all The limits of insurance that apply to additional damages because of all "bodily injury", insureds are described in Section D. — Limits "property damage" and medical expenses Of Insurance. arising out of any one "occurrence" is the How this insurance applies when other Liability and Medical Expenses Limit shown in insurance is available to an additional insured the Declarations. is described in the Other Insurance Condition The most we will pay for all medical expenses in Section E.— Liability And Medical Expenses because of "bodily injury" sustained by any General Conditions. one person is the Medical Expenses Limit No person or organization is an insured with shown in the Declarations. respect to the conduct of any current or past 4. Personal And Advertising Injury Limit partnership, joint venture or limited liability Subject to 2.b. above, the most we will pay for company that is not shown as a Named Insured in the sum of all damages because of all the Declarations. "personal and advertising injury" sustained by D. LIABILITY AND MEDICAL EXPENSES any one person or organization is the Personal LIMITS OF INSURANCE and Advertising Injury Limit shown in the Declarations. 1. The Most We Will Pay 5. Damage To Premises Rented To You Limit The Limits of Insurance shown in the Declarations and the rules below fix the most The Damage To Premises Rented To You we will pay regardless of the number of: Limit is the most we will pay under Business Liability Coverage for damages because of a. Insureds; "property damage" to any one premises, while b. Claims made or"suits" brought; or rented to you, or in the case of damage by fire, c. Persons or organizations making claims or lightning or explosion, while rented to you or bringing "suits". temporarily occupied by you with permission of 2. Aggregate Limits the owner. The most we will pay for: In the case of damage by fire, lightning or explosion, the Damage to Premises Rented To a. Damages because of "bodily injury" and You Limit applies to all damage proximately "property damage" included in the caused by the same event, whether such "products-completed operations hazard" is damage results from fire, lightning or explosion the Products-Completed Operations or any combination of these. Aggregate Limit shown in the 6. How Limits Apply To Additional Insureds Declarations. b. Damages because of all other "bodily The most we will pay on behalf of a person or injury", "property damage" or "personal organization who is an additional insured and advertising injury", including medical under this Coverage Part is the lesser of: expenses, is the General Aggregate Limit a. The limits of insurance specified in a shown in the Declarations. written contract, written agreement or This General Aggregate Limit applies permit issued by a state or political separately to each of your "locations" subdivision; or owned by or rented to you. b. The Limits of Insurance shown in the "Location" means premises involving the Declarations. same or connecting lots, or premises Such amount sf o oR,M a RIskManagement Division whose connection is interrupted only by a addition to the L % ` -= rteneWED&APPRovmBY: street, roadway or right-of-way of a the Declarations : ,� :? 44:e Actvasda :; itammaza railroad. m� Risk Management Specialist Page 14 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM If more than one limit of insurance under this (1) Immediately send us copies of any policy and any endorsements attached thereto demands, notices, summonses or applies to any claim or"suit", the most we will pay legal papers received in connection under this policy and the endorsements is the with the claim or"suit"; single highest limit of liability of all coverages (2) Authorize us to obtain records and applicable to such claim or "suit". However, this other information; paragraph does not apply to the Medical Expenses limit set forth in Paragraph 3.above. (3) Cooperate with us in the investigation, settlement of the claim or defense The Limits of Insurance of this Coverage Part apply against the "suit"; and separately to each consecutive annual period and to (4) Assist us, upon our request, in the any remaining period of less than 12 months, starting enforcement of any right against any with the beginning of the policy period shown in the person or organization that may be Declarations, unless the policy period is extended liable to the insured because of injury after issuance for an additional period of less than 12 or damage to which this insurance months. In that case, the additional period will be may also apply. deemed part of the last preceding period for purposes of determining the Limits of Insurance. d. Obligations At The Insured's Own Cost E. LIABILITY AND MEDICAL EXPENSES No insured will, except at that insured's own cost, voluntarily make a payment, assume GENERAL CONDITIONS any obligation, or incur any expense, other 1. Bankruptcy than for first aid,without our consent. Bankruptcy or insolvency of the insured or of e. Additional Insured's Other Insurance the insured's estate will not relieve us of our If we cover a claim or "suit" under this obligations under this Coverage Part. Coverage Part that may also be covered 2. Duties In The Event Of Occurrence, by other insurance available to an Offense, Claim Or Suit additional insured, such additional insured a. Notice Of Occurrence Or Offense must submit such claim or "suit" to the other insurer for defense and indemnity. You or any additional insured must see to However, this provision does not apply to it that we are notified as soon as practicable of an "occurrence" or an the extent that you have agreed in a offense which may result in a claim. To written contract, written agreement or the extent possible, notice should include: permit that this insurance is primary and non-contributory with the additional (1) How, when and where the "occurrence" insured's own insurance. or offense took place; f. Knowledge Of An Occurrence, Offense, (2) The names and addresses of any Claim Or Suit injured persons and witnesses; and Paragraphs a. and b. apply to you or to (3) The nature and location of any injury or damage arising out of the any additional insured only when such "occurrence", offense, claim or "suit" is "occurrence"or offense. known to: b. Notice Of Claim (1) You or any additional insured that is If a claim is made or "suit" is brought an individual; against any insured, you or any additional (2) Any partner, if you or an additional insured must: insured is a partnership; (1) Immediately record the specifics of the (3) Any manager, if you or an additional claim or "suit" and the date received; insured is a limited liability company; and (2) Notify us as soon as practicable. (4) Any "executive officer" or insurance manager, if you or an additional You or any additional insured must see to insured is a corporation; it that we receive a written notice of the (5) Any trustee, if you or an additional claim or"suit" as soon as practicable. insured i;\ c. Assistance And Cooperation Of The o,� Division Insured (6) Any elect REVIEWEAPPROVED BY: or an ad � Aaveoto You and any other involved insured must: subdivisic t' `'�`e Risk Management Specialist Form SS 00 08 04 05 Page 15 of 24 BUSINESS LIABILITY COVERAGE FORM This Paragraph f. applies separately to (3) We have issued this policy in reliance you and any additional insured. upon your representations. 3. Financial Responsibility Laws b. Unintentional Failure To Disclose a. When this policy is certified as proof of Hazards financial responsibility for the future under If unintentionally you should fail to disclose the provisions of any motor vehicle all hazards relating to the conduct of your financial responsibility law, the insurance business at the inception date of this provided by the policy for "bodily injury" Coverage Part, we shall not deny any liability and "property damage" liability will coverage under this Coverage Part comply with the provisions of the law to because of such failure. the extent of the coverage and limits of 7. Other Insurance insurance required by that law. If other valid and collectible insurance is b. With respect to "mobile equipment" to available for a loss we cover under this which this insurance applies, we will Coverage Part, our obligations are limited as provide any liability, uninsured motorists, follows: underinsured motorists, no-fault or other coverage required by any motor vehicle a. Primary Insurance law. We will provide the required limits for This insurance is primary except when b. those coverages. below applies. If other insurance is also 4. Legal Action Against Us primary, we will share with all that other No person or organization has a right under insurance by the method described in c. this Coverage Form: below. a. To join us as a party or otherwise bring us b. Excess Insurance into a "suit" asking for damages from an This insurance is excess over any of the insured; or other insurance, whether primary, excess, b. To sue us on this Coverage Form unless contingent or on any other basis: all of its terms have been fully complied (1) Your Work with. That is Fire, Extended Coverage, A person or organization may sue us to recover Builder's Risk, Installation Risk or on an agreed settlement or on a final judgment similar coverage for"your work"; against an insured; but we will not be liable for (2) Premises Rented To You damages that are not payable under the terms of That is fire, lightning or explosion this insurance or that are in excess of the insurance for premises rented to you applicable limit of insurance. An agreed or temporarily occupied by you with settlement means a settlement and release of permission of the owner; liability signed by us, the insured and the claimant or the claimant's legal representative. (3) Tenant Liability 5. Separation Of Insureds That is insurance purchased by you to Except with respect to the Limits of Insurance, cover your liability as a tenant for and any rights or duties specifically assigned property damage" to premises rented in this policy to the first Named Insured, this to you or temporarily occupied by you insurance applies: with permission of the owner; a. As if each Named Insured were the only (4) Aircraft,Auto Or Watercraft Named Insured; and If the loss arises out of the maintenance b. Separately to each insured against whom or use of aircraft, "autos"or watercraft to a claim is made or"suit" is brought_ the extent not subject to Exclusion g. of Section A.—Coverages. 6. Representations (5) Property Damage To Borrowed a. When You Accept This Policy Equipment Or Use Of Elevators By accepting this policy, you agree: If the loss arises out of "property (1) The statements in the Declarations damage"\ are accurate and complete; the use c ,,,'.- WakMnnagementDn' °' subject tc I� Remo&APPRwmBY: (2) Those statements are based upon CoveragE �tlIIL1 1 A Aceuceto overa representations you made to us; and g ' , Risk Management Specialist • \ Page 16 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (6) When You Are Added As An When this insurance is excess over other Additional Insured To Other insurance, we will pay only our share of Insurance the amount of the loss, if any, that That is other insurance available to exceeds the sum of: you covering liability for damages (1) The total amount that all such other arising out of the premises or insurance would pay for the loss in the operations, or products and completed absence of this insurance; and operations, for which you have been (2) The total of all deductible and self- added as an additional insured by that insured amounts under all that other insurance; or insurance. (7) When You Add Others As An We will share the remaining loss, if any, with Additional Insured To This any other insurance that is not described in Insurance this Excess Insurance provision and was not That is other insurance available to an bought specifically to apply in excess of the additional insured. Limits of Insurance shown in the However, the following provisions Declarations of this Coverage Part. apply to other insurance available to c. Method Of Sharing any person or organization who is an If all the other insurance permits additional insured under this Coverage contribution by equal shares, we will follow Part: this method also. Under this approach, (a) Primary Insurance When each insurer contributes equal amounts Required By Contract until it has paid its applicable limit of This insurance is primary if you insurance or none of the loss remains, have agreed in a written contract, whichever comes first. written agreement or permit that If any of the other insurance does not permit this insurance be primary. If other contribution by equal shares, we will insurance is also primary, we will contribute by limits. Under this method,each share with all that other insurance insurer's share is based on the ratio of its by the method described in c. applicable limit of insurance to the total below. applicable limits of insurance of all insurers. (b) Primary And Non-Contributory 8. Transfer Of Rights Of Recovery Against To Other Insurance When Others To Us Required By Contract a. Transfer Of Rights Of Recovery If you have agreed in a written If the insured has rights to recover all or contract, written agreement or part of any payment, including permit that this insurance is Supplementary Payments, we have made primary and non-contributory with under this Coverage Part, those rights are the additional insured's own transferred to us. The insured must do insurance, this insurance is nothing after loss to impair them. At our primary and we will not seek request, the insured will bring "suit" or contribution from that other transfer those rights to us and help us insurance. enforce them. This condition does not Paragraphs(a) and (b) do not apply to apply to Medical Expenses Coverage. other insurance to which the additional b. Waiver Of Rights Of Recovery (Waiver insured has been added as an Of Subrogation) additional insured. WhenIf the insured has waived any rights of this insurance is excess, we will recovery against any person or have no duty under this Coverage Part to organization for all or part of any payment, defend the insured against any "suit" if any including Supplementary Payments, we other insurer has a duty to defend the have made under this Coverage Part, we insured against that "suit". If no other also waive the / insurer defends, we will undertake to do waived their malt ManagerncntDivision so, but we will be entitled to the insured's such person 3 '� REVIEWED&APPROvEDBY: rights against all those other insurers. ' agreement o . ��'� '` A Accurdp prior to the in. �' Risk Management Specialist Form SS 00 08 04 05 Page 17 of 24 BUSINESS LIABILITY COVERAGE FORM F. OPTIONAL ADDITIONAL INSURED 3. Additional Insured -Grantor Of Franchise COVERAGES WHO IS AN INSURED under Section C. is If listed or shown as applicable in the Declarations, amended to include as an additional insured one or more of the following Optional Additional the person(s) or organization(s) shown in the Insured Coverages also apply. When any of these Declarations as an Additional Insured - Optional Additional Insured Coverages apply, Grantor Of Franchise, but only with respect to Paragraph 6. (Additional Insureds When Required their liability as grantor of franchise to you. by Written Contract, Written Agreement or Permit) 4. Additional Insured - Lessor Of Leased of Section C., Who Is An Insured, does not apply Equipment to the person or organization shown in the a. WHO IS AN INSURED under Section C. is Declarations. These coverages are subject to the amended to include as an additional terms and conditions applicable to Business insured the person(s) or organization(s) Liability Coverage in this policy, except as shown in the Declarations as an Additional provided below: Insured — Lessor of Leased Equipment, 1. Additional Insured - Designated Person Or but only with respect to liability for "bodily Organization injury", "property damage" or "personal WHO IS AN INSURED under Section C. is and advertising injury" caused, in whole or amended to include as an additional insured in part, by your maintenance, operation or the person(s) or organization(s) shown in the use of equipment leased to you by such Declarations, but only with respect to liability person(s) or organization(s). for "bodily injury", "property damage" or b. With respect to the insurance afforded to "personal and advertising injury" caused, in these additional insureds, this insurance whole or in part, by your acts or omissions or does not apply to any "occurrence" which the acts or omissions of those acting on your takes place after you cease to lease that behalf: equipment. a. In the performance of your ongoing 5. Additional Insured - Owners Or Other operations; or Interests From Whom Land Has Been b. In connection with your premises owned Leased by or rented to you. a. WHO IS AN INSURED under Section C. is 2. Additional Insured - Managers Or Lessors amended to include as an additional Of Premises insured the person(s) or organization(s) shown in the Declarations as an Additional a. WHO IS AN INSURED under Section C. is Insured—Owners Or Other Interests From amended to include as an additional insured Whom Land Has Been Leased, but only the person(s)or organization(s)shown in the with respect to liability arising out of the Declarations as an Additional Insured - ownership, maintenance or use of that part Designated Person Or Organization; but only of the land leased to you and shown in the with respect to liability arising out of the Declarations. ownership, maintenance or use of that part of the premises leased to you and shown in the b. With respect to the insurance afforded to Declarations. these additional insureds, the following additional exclusions apply: b. With respect to the insurance afforded to these additional insureds, the following This insurance does not apply to: additional exclusions apply: (1) Any "occurrence" that takes place This insurance does not apply to: after you cease to lease that land; or (1) Any "occurrence" which takes place (2) Structural alterations, new after you cease to be a tenant in that construction or demolition operations premises; or performed by or on behalf of such person or organization. (2) Structural alterations, new construction or demolition operations 6. Additional Insured - State Or Political performed by or on behalf of such Subdivision —Permits person or organization. a. WHO IS AN I\ amended to REVIEWED ManagemeitDMsion RO&APPROVED BY: insured the a o A$ Ace shown in the i®' Risk Management Specialist Page 18 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM Insured — State Or Political Subdivision - (e) Any failure to make such Permits, but only with respect to inspections, adjustments, tests or operations performed by you or on your servicing as the vendor has agreed behalf for which the state or political to make or normally undertakes to subdivision has issued a permit. make in the usual course of b. With respect to the insurance afforded to business, in connection with the these additional insureds, the following distribution or sale of the products; additional exclusions apply: (f) Demonstration, installation, This insurance does not apply to: servicing or repair operations, (1) "Bodily injury", "property damage" or except such operations performed at the vendor's premises in "personal and advertising injury" connection with the sale of the arising out of operations performed for product; the state or municipality; or (g) Products which, after distribution (2) "Bodily injury" or "property damage" or sale by you, have been labeled included in the "product-completed or relabeled or used as a operations" hazard. container, part or ingredient of any 7. Additional Insured—Vendors other thing or substance by or for a. WHO IS AN INSURED under Section C.is the vendor; or amended to include as an additional (h) "Bodily injury" or "property insured the person(s) or organization(s) damage" arising out of the sole (referred to below as vendor) shown in the negligence of the vendor for its Declarations as an Additional Insured - own acts or omissions or those of Vendor, but only with respect to "bodily its employees or anyone else injury" or "property damage" arising out of acting on its behalf. However, this "your products" which are distributed or exclusion does not apply to: sold in the regular course of the vendor's (i) The exceptions contained in business and only if this Coverage Part Subparagraphs (d) or(f); or provides coverage for "bodily injury" or "property damage" included within the (ii) Such inspections, "products-completed operations hazard". adjustments, tests or servicing as the vendor has agreed to b. The insurance afforded to the vendor is make or normally undertakes subject to the following additional exclusions: to make in the usual course of (1) This insurance does not apply to: business, in connection with (a) "Bodily injury" or "property the distribution or sale of the damage" for which the vendor is products. obligated to pay damages by (2) This insurance does not apply to any reason of the assumption of insured person or organization from liability in a contract or agreement. whom you have acquired such This exclusion does not apply to products, or any ingredient, part or liability for damages that the container, entering into, vendor would have in the absence accompanying or containing such of the contract or agreement; products. (b) Any express warranty 8. Additional Insured —Controlling Interest unauthorized by you; WHO IS AN INSURED under Section C. is (c) Any physical or chemical change amended to include as an additional insured in the product made intentionally the person(s) or organization(s) shown in the by the vendor; Declarations as an Additional Insured — (d) Repackaging, unless unpacked Controlling Interest, but only with respect to solely for the purpose of inspection, their liability arising out of: demonstration, testing, or the a. Their financial nnntrnl of vnit• nr substitution of parts under b. Premises the\ Risk Management Divis lott instructions from the manufacturer, F while you lea: REVIEWED&APPRovm By: and then repackaged in the original (a r� p Rcevula container; ii112001111 Risk Management Specialist Form SS 00 08 04 05 Page 19 of 24 BUSINESS LIABILITY COVERAGE FORM This insurance does not apply to structural The limits of insurance that apply to additional alterations, new construction and demolition insureds are described in Section D. — Limits Of operations performed by or for that person or Insurance. organization. How this insurance applies when other insurance 9. Additional Insured — Owners, Lessees Or is available to an additional insured is described in Contractors — Scheduled Person Or the Other Insurance Condition in Section E. — Organization Liability And Medical Expenses General a. WHO IS AN INSURED under Section C. is Conditions. amended to include as an additional G. LIABILITY AND MEDICAL EXPENSES insured the person(s) or organization(s) DEFINITIONS shown in the Declarations as an Additional Insured —Owner, Lessees Or Contractors, 1. "Advertisement" means the widespread public but only with respect to liability for "bodily dissemination of information or images that injury", "property damage" or "personal has the purpose of inducing the sale of goods, and advertising injury" caused, in whole or products or services through: in part, by your acts or omissions or the a. (1) Radio; acts or omissions of those acting on your (2) Television; behalf: (3) Billboard; (1) In the performance of your ongoing (4) Magazine; operations for the additional insured(s); or (5) Newspaper; (2) In connection with "your work" b. The Internet, but only that part of a web performed for that additional insured site that is about goods, products or and included within the "products- services for the purposes of inducing the completed operations hazard", but sale of goods, products or services; or only if this Coverage Part provides c. Any other publication that is given coverage for "bodily injury" or widespread public distribution. "property damage" included within the However, "advertisement" does not include: "products-completed operations a. The design, printed material, information hazard". or images contained in, on or upon the b. With respect to the insurance afforded to packaging or labeling of any goods or these additional insureds, this insurance products; or does not apply to "bodily injury", "property b. An interactive conversation between or damage" or "personal an advertising among persons through a computer network. injury" arising out of the rendering of, or the failure to render, any professional 2. "Advertising idea" means any idea for an architectural, engineering or surveying "advertisement". services, including: 3. "Asbestos hazard" means an exposure or (1) The preparing, approving, or failure to threat of exposure to the actual or alleged prepare or approve, maps, shop properties of asbestos and includes the mere drawings, opinions, reports, surveys, presence of asbestos in any form. field orders, change orders, designs or 4. "Auto" means a land motor vehicle, trailer or drawings and specifications; or semi-trailer designed for travel on public (2) Supervisory, inspection, architectural roads, including any attached machinery or or engineering activities. equipment. But "auto" does not include 10. Additional Insured — Co-Owner Of Insured "mobile equipment". Premises 5. "Bodily injury" means physical: WHO IS AN INSURED under Section C. is a. Injury; amended to include as an additional insured b. Sickness; or the person(s) or Organization(s) shown in the c. Disease Declarations as an Additional Insured — Co- Owner Of Insured Premises, but only with sustained by a pe\ /t above, mental an ,+ '"'�=F Risk Mars tentDivisum respect to their liability as co-owner of the REVIEWED&APPROVED By: premises shown in the Declarations. 6. "Coverage territoi ®' Risk Management Specialist f Page 20 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM a. The United States of America (including its b. You have failed to fulfill the terms of a territories and possessions), Puerto Rico contract or agreement; and Canada; if such property can be restored to use by: b. International waters or airspace, but only if a. The repair, replacement, adjustment or the injury or damage occurs in the course removal of "your product" or "your work"; of travel or transportation between any or places included in a. above; b. Your fulfilling the terms of the contract or c. All other parts of the world if the injury or agreement. damage arises out of: 12. "Insured contract" means: (1) Goods or products made or sold by you in the territory described in a.above; a. A contract for a lease of premises. However, that portion of the contract for a (2) The activities of a person whose home lease of premises that indemnifies any is in the territory described in a. person or organization for damage by fire, above, but is away for a short time on lightning or explosion to premises while your business; or rented to you or temporarily occupied by (3) "Personal and advertising injury" you with permission of the owner is offenses that take place through the subject to the Damage To Premises Internet or similar electronic means of Rented To You limit described in Section communication D. — Liability and Medical Expenses Limits provided the insured's responsibility to pay of Insurance. damages is determined in the United States of b. A sidetrack agreement; America (including its territories and c. Any easement or license agreement, possessions), Puerto Rico or Canada, in a including an easement or license "suit" on the merits according to the agreement in connection with construction substantive law in such territory, or in a or demolition operations on or within 50 settlement we agree to. feet of a railroad; 7. "Electronic data" means information, facts or d. Any obligation, as required by ordinance, programs: to indemnify a municipality, except in a. Stored as or on; connection with work for a municipality; b. Created or used on; or e. An elevator maintenance agreement; or c. Transmitted to or from f. That part of any other contract or computer software, including systems and agreement pertaining to your business applications software, hard or floppy disks, (including an indemnification of a CD-ROMS, tapes, drives, cells, data municipality in connection with work processing devices or any other media which performed for a municipality) under which are used with electronically controlled you assume the tort liability of another equipment. party to pay for "bodily injury" or "property damage" to a third person or organization, 8. "Employee" includes a "leased worker". provided the "bodily injury" or "property "Employee" does not include a "temporary damage" is caused, in whole or in part, by worker". you or by those acting on your behalf. 9. "Executive officer" means a person holding Tort liability means a liability that would be any of the officer positions created by your imposed by law in the absence of any charter, constitution, by-laws or any other contract or agreement. similar governing document. Paragraph f. includes that part of any 10. "Hostile fire" means one which becomes contract or agreement that indemnifies a uncontrollable or breaks out from where it was railroad for "bodily injury" or "property intended to be. damage" arising out of construction or 11. "Impaired property" means tangible property, demolition operations within 50 feet of any other than "your product" or "your work", that railroad property and affecting any railroad cannot be used orris less useful because: bridge or tres\ a. It incorporates "your product" or "your work" underpass or Risk Managementa REVIEWED&APPROVED By: that is known or thought to be defective, However, deficient, in " A"'�'�A`e`�° adequate or dangerous;or that part of a �, Risk Management Specialist Form SS 00 08 04 05 Page 21 of 24 BUSINESS LIABILITY COVERAGE FORM (1) That indemnifies an architect, (1) Power cranes, shovels, loaders, engineer or surveyor for injury or diggers or drills; or damage arising out of: (2) Road construction or resurfacing (a) Preparing, approving or failing to equipment such as graders, scrapers prepare or approve maps, shop or rollers; drawings, opinions, reports, e. Vehicles not described in a., b., c., or d. surveys, field orders, change above that are not self-propelled and are orders, designs or drawings and maintained primarily to provide mobility to specifications; or permanently attached equipment of the (b) Giving directions or instructions, following types: or failing to give them, if that is the (1) Air compressors, pumps and primary cause of the injury or generators, including spraying, damage; or welding, building cleaning, (2) Under which the insured, if an geophysical exploration, lighting and architect, engineer or surveyor, well servicing equipment; or assumes liability for an injury or (2) Cherry pickers and similar devices damage arising out of the insured's used to raise or lower workers; rendering or failure to render f. Vehicles not described in a., b., c., or d. professional services, including those listed in (1) above and supervisory, above maintained primarily for purposes inspection, architectural or other than the transportation of persons or engineering activities. cargo. 13. "Leased worker" means a person leased to However, self-propelled vehicles with the you by a labor leasing firm under an following types of permanently attached agreement between you and the labor leasing equipment are not "mobile equipment' but firm, to perform duties related to the conduct of will be considered "autos": your business. "Leased worker" does not (1) Equipment, of at least 1,000 pounds include a "temporary worker". gross vehicle weight, designed 14. "Loading or unloading" means the handling of primarily for: property: (a) Snow removal; a. After it is moved from the place where it is (b) Road maintenance, but not accepted for movement into or onto an construction or resurfacing; or aircraft, watercraft or"auto"; (c) Street cleaning; b. While it is in or on an aircraft, watercraft or (2) Cherry pickers and similar devices "auto"; or mounted on automobile or truck c. While it is being moved from an aircraft, chassis and used to raise or lower watercraft or"auto" to the place where it is workers; and finally delivered; (3) Air compressors, pumps and but "loading or unloading" does not include the generators, including spraying, movement of property by means of a mechanical welding, building cleaning, device, other than a hand truck, that is not geophysical exploration, lighting and attached to the aircraft,watercraft or"auto". well servicing equipment. 15. "Mobile equipment" means any of the following 16. "Occurrence" means an accident, including types of land vehicles, including any attached continuous or repeated exposure to substantially machinery or equipment: the same general harmful conditions. a. Bulldozers, farm machinery, forklifts and 17. "Personal and advertising injury" means injury, other vehicles designed for use principally including consequential "bodily injury", arising off public roads; out of one or more of the following offenses: b. Vehicles maintained for use solely on or a. False arrest, detention or imprisonment; next to premises you own or rent; b. Malicious prod-"'"— / c. Vehicles that travel on crawler treads; Risk Management Division d. Vehicles, whether self-propelled or not, on REvlEWED&APPRovmBY: which arepermanently mounted: 'io+ ' 4s�:e'lava° ® Risk Management Specialist Page 22 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM c. The wrongful eviction from, wrongful entry Work that may need service, maintenance, into, or invasion of the right of private correction, repair or replacement, but occupancy of a room, dwelling or which is otherwise complete, will be premises that the person occupies, treated as completed. committed by or on behalf of its owner, The "bodily injury" or "property damage" landlord or lessor; must occur away from premises you own d. Oral, written or electronic publication of or rent, unless your business includes the material that slanders or libels a person or selling, handling or distribution of "your organization or disparages a person's or product" for consumption on premises you organization's goods, products or services; own or rent. e. Oral, written or electronic publication of b. Does not include "bodily injury" or material that violates a person's right of "property damage"arising out of: privacy; (1) The transportation of property, p p p rty, unless f. Copying, in your "advertisement", a the injury or damage arises out of a person's or organization's "advertising condition in or on a vehicle not owned idea" or style of"advertisement"; or operated by you, and that condition g. Infringement of copyright, slogan, or title of was created by the "loading or any literary or artistic work, in your unloading" of that vehicle by any "advertisement"; or insured;or h. Discrimination or humiliation that results in (2) The existence of tools, uninstalled injury to the feelings or reputation of a equipment or abandoned or unused natural person. materials. 18. "Pollutants" means any solid, liquid, gaseous or 20. "Property damage" means: thermal irritant or contaminant, including smoke, a. Physical injury to tangible property, vapor, soot, fumes, acids, alkalis, chemicals and including all resulting loss of use of that waste. Waste includes materials to be recycled, property. All such loss of use shall be reconditioned or reclaimed. deemed to occur at the time of the 19. "Products-completed operations hazard"; physical injury that caused it; or a. Includes all "bodily injury" and "property b. Loss of use of tangible property that is not damage" occurring away from premises physically injured. All such loss of use you own or rent and arising out of "your shall be deemed to occur at the time of product" or"your work"except: "occurrence"that caused it. (1) Products that are still in your physical As used in this definition, "electronic data" is possession; or not tangible property. (2) Work that has not yet been completed 21. "Suit" means a civil proceeding in which or abandoned. However, "your work" damages because of "bodily injury", "property will be deemed to be completed at the damage" or "personal and advertising injury" earliest of the following times: to which this insurance applies are alleged. (a) When all of the work called for in "Suit" includes: your contract has been completed. a. An arbitration proceeding in which such (b) When all of the work to be done at damages are claimed and to which the the job site has been completed if insured must submit or does submit with your contract calls for work at our consent; or more than one job site. b. Any other alternative dispute resolution (c) When that part of the work done at proceeding in which such damages are a job site has been put to its claimed and to which the insured submits intended use by any person or with our consent. organization other than another 22. "Temporary worker" means a person who is contractor or subcontractor furnished to you to substitute for a permanent working on the same project. "employee" on leave or to meet seasonal or short-term worklo\ Risk Management Division 23. "Volunteer worke REVIEWED&APPROVED BY: a. Is not your"e �l`oa4 .' A Actual. zummit Risk Management Specialist Form SS 00 08 04 05 Page 23 of 24 BUSINESS LIABILITY COVERAGE FORM b. Donates his or her work; (2) The providing of or failure to provide c. Acts at the direction of and within the warnings or instructions. scope of duties determined by you; and c. Does not include vending machines or d. Is not paid a fee, salary or other other property rented to or located for the compensation by you or anyone else for use of others but not sold. their work performed for you. 25. "Your work": 24. "Your product": a. Means: a. Means: (1) Work or operations performed by you (1) Any goods or products, other than real or on your behalf; and property, manufactured, sold, handled, (2) Materials, parts or equipment distributed or disposed of by: furnished in connection with such work (a) You; or operations. (b) Others trading under your name; b. Includes: or (1) Warranties or representations made at (c) A person or organization whose any time with respect to the fitness, business or assets you have quality, durability, performance or use acquired; and of"your work"; and (2) Containers (other than vehicles), (2) The providing of or failure to provide materials, parts or equipment warnings or instructions. furnished in connection with such goods or products. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of"your product"; and rt.YN, Risk Management Division a ail, ' �, REWED&APPROVED 8Y: `.s. Risk Management Specialist • Page 24 of 24 Form SS 00 08 04 05 .1411 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WORKERS' COMPENSATION BROAD FORM ENDORSEMENT EXTENDED OPTIONS Policy Number: 57 WEC AZ7TWB Endorsement Number: Effective Date: 10/12/23 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address: Lance, Soli & Lunghard, LLP 203 N BREA BLVD STE 203 BREA CA 92821 Section I of this endorsement expands coverage provided under WC 00 00 00. Section II of this endorsement provides additional coverage usually only provided by endorsement. Section III of this endorsement is a Schedule of Covered States. You may use the index to locate these coverage features quickly: INDEX SUBJECT PAGE SUBJECT PAGE SECTION I 2 B. Part One Does Not Apply 3 PARTS ONE and TWO 2 C. Application of Coverage 3 01 We Will Also Pay 2 D. Additional Exclusions 3 PART-THREE 2 E. West Virginia 3 02 How This Insurance Works 2 EXTENDED OPTIONS 4 PART-SIX 2 01 Employers' Liability Insurance 4 03 Transfer of Your Rights and Duties 2 02 Unintentional Failure to Disclose 4 04 Liberalization 2 Hazards SECTION II 2 03 Waiver of Our Right to Recover from 4 VOLUNTARY COMPENSATION 2 Others INSURANCE 04 Foreign Voluntary Compensation 4 05 Voluntary Compensation Insurance 2 A. How This Reimbursement Applies 4 A. How This Insurance Applies 2 B. We Will Reimburse 4 B. We Will Pay 3 C. Exclusions 4 C. Exclusions 3 D. Before We Pay 5 D. Before We Pay 3 E. Recovery From Others 5 E. Recovery From Others 3 F. Reimbursement For Actual Loss 5 F. Employers' Liability Insurance 3 Sustained EMPLOYERS' LIABILITY STOP GAP 3 G. Repatriation 5 ENDORSEMENT H. Endemic Disease 5 06 Employers' Liability Stop Gap 3 05 Longshore and Harbor Workers' 5 Coverage Compensation Act Coverage A. Stop Gap Coverage Limited to 3 Endorsement Montana, North Dakota, Ohio, SECTION III 6 Washington, West Virginia and 01 Schedule of Covered States 6 Wyoming ",f Risk MxnsgementDivision .,.-,M REVIEWED&APPROVED BY: Form WC 99 03 03 B Printed in U.S.A. (Ed. 8/00) ®` Risk Management Specialist Process Date: 10/13/23 Policy I/, ©2000, The Hartford SECTION I PARTS ONE and TWO PART THREE 1. WE WILL ALSO PAY 2. How This Insurance Applies D. We Will Also Pay of Part One (WORKERS' Paragraph 4. of A. How This Insurance Applies of COMPENSATION INSURANCE); and Part 3 (Other States Insurance) is replaced by the following: E. We Will Also Pay of Part Two (EMPLOYERS' LIABILITY INSURANCE) is 4. If you have work on the effective date of this replaced by the following: policy in any state not listed in Item 3.A. of the Information Page, coverage will not be afforded We Will Also Pay for that state unless we are notified within sixty We will also pay these costs, in addition to days. other amounts payable under this insurance, as part of any claim, proceeding, or suit we PART SIX defend: 3. Transfer Of Your Rights and Duties 1. reasonable expenses incurred at our C. Transfer Of Your Rights and Duties of Part 6 request, INCLUDING loss of earnings; (Conditions)is replaced by the following: 2. premiums for bonds to release Your rights or duties under this policy may not be attachments and for appeal bonds in transferred without our written consent. bond amounts up to the limit of our liability under this insurance; If you die and we receive notice within sixty days 3. litigation costs taxed against you; after your death, we will cover your legal representative as insured. 4. interest on a judgment as required by law 4. Liberalization until we offer the amount due under this law; and If we adopt a change in this form that would broaden 5. expenses we incur. the coverage of this form without extra charge, the broader coverage will apply to this policy. It will apply when the change becomes effective in your state. SECTION II VOLUNTARY COMPENSATION ANDEMPLOYERS' 3. The bodily injury must occur in the United LIABILITY COVERAGE States of America, its territories or 5. Voluntary Compensation Insurance possessions, or Canada, and may occur elsewhere if the employee is a United States A. How This Insurance Applies or Canadian citizen, or otherwise legal This insurance applies to bodily injury by resident, and legally employed, in the United accident or bodily injury by disease. Bodily States or Canada and temporarily away from injury includes resulting death. those places. 1. The bodily injury must be sustained by 4. Bodily injury by accident must occur during any officer or employee not subject to the the policy period. workers' compensation law of any state 5. Bodily injury by disease must be caused or shown in Item 3.A. of the Information aggravated by the conditions of the Page. 2. The bodily injury must arise out of and in the course of employment or incidental to work in a state shown in Item 3.A. of the Information Page. q oR. s Risk Manag/�e.n,ottDivision A r." REVIEWED&APPROVED BY: Risk Management Specialist • Form WC 99 03 03 B Printed in U.S.A. (Ed. 8/00) - Page 2 of 6 officer's or employee's employment. The If the persons entitled to the benefits of this officer's or employee's last day of last insurance make a recovery from others, they exposure to the conditions causing or must reimburse us for the benefits we paid them. aggravating such bodily injury by disease F. Employers' Liability Insurance must occur during the policy period. Part Two (Employers' Liability Insurance) applies B. We Will Pay to bodily injury covered by this endorsement as We will pay an amount equal to the benefits though the State of Employment was shown in that would be required of you as if you and Item 3.A. of the Information Page. your employees were subject to the workers' This provision 5. does not apply in New Jersey or compensation law of any state shown in Item Wisconsin. 3.A. of the Information Page. We will pay EMPLOYERS' LIABILITY STOP GAP COVERAGE those amounts to the persons who would be entitled to them under the law. 6. Employers' Liability Stop Gap Coverage C. Exclusion A. This coverage only applies in Montana, North This insurance does not cover: Dakota, Ohio, Washington, West Virginia and Wyoming. 1. any obligation imposed by workers' compensation or occupational disease B. Part One (Workers' Compensation Insurance) law or any similar law. does not apply to work in states shown in Paragraph A above. 2. bodily injury intentionally caused or aggravated by you. C. Part Two (Employers' Liability Insurance) applies in the states, shown in Paragraph A., as though 3. officers or employees who have elected they were shown in Item 3.A. of the Information not to be subject to the state workers' Page. compensation law. D. Part Two, Section C. Exclusions is changed by 4. partners or sole proprietors not covered adding these exclusions. under the Standard Sole Proprietors, This insurance does not cover; Partners, Officers and Others Coverage Endorsement. 5. bodily injury intentionally caused or D. Before We Pay aggravated by you or in Ohio bodily injury resulting from an act which is determined by Before we pay benefits to the persons an Ohio court of law to have been committed entitled to them, they must: by you with the belief than an injury is 1. Release you and us, in writing, of all substantially certain to occur. However, the responsibility for the injury or death. cost of defending such claims or suits in Ohio 2. Transfer to us their right to recover from is covered. others who may be responsible for the 13. bodily injury sustained by any member of the injury or death. flying crew of any aircraft. 3. Cooperate with us and do everything 14. any claim for bodily injury with respect to necessary to enable us to enforce the which you are deprived of any defense or right to recover from others. defenses or are otherwise subject to penalty If the persons entitled to the benefits of this because of default in premium under the insurance fail to do those things, our duty to provisions of the workers' compensation law pay ends at once. If they claim damages or laws of a state shown in Paragraph A. from you or from us for the injury or death, E. This insurance applies to damages for which you our duty to pay ends at once. are liable under West Virginia Code Annot. S 23- E. Recovery From Others 4-2. If we make a recovery from others, we will keep an amount equal to our expenses of recovery and the benefits we paid. We will pay the balance to the persons entitled to it. f Risk Management ageent Division REVIEWED APPROVED BY: ` 111�Fla^oz de AGw 44-0 Risk Management Specialist / Form WC 99 03 03 B Printed in U.S.A. (Ed. 8/00) Page 3 of 6 EXTENDED OPTIONS 1. Employers' Liability Insurance 4. Foreign Voluntary Compensation and Employers' Item 3.B. of the Information Page is replaced by Liability Reimbursement the following: A. How This Reimbursement Applies B. Employers' Liability Insurance: This reimbursement provision applies to bodily 1. Part Two of the policy applies to work in injury by accident or bodily injury by disease. each state listed in Item 3.A. Bodily injury includes resulting death. 1. The bodily injury must be sustained by an The Limits of Liability under Part Two are officer or employee. the higher of: 2. The bodily injury must occur in the course of employment necessary or incidental to work Bodily Injury in a country not listed in Exclusion C.1. of this by Accident $500,000 Each Accident provision. 3. Bodily injury by accident must occur during Bodily Injury the policy period. by Disease $500,000 Policy Limit 4. Bodily injury by disease must be caused or aggravated by the conditions of your Bodily Injury employment. The officer or employee's last by Disease $500,000 Each Employee exposure to those conditions of your employment must occur during the policy OR period. B. We Will Reimburse 2. The amount shown in the Information We will reimburse you for all amounts paid by Page. you whether such amounts are: This provision 1 of EXTENDED OPTIONS does 1. voluntary payments for the benefits that not apply in New York because the Limits Of Our would be required of you if you and your Liability are unlimited. officers or employees were subject to any In this provision the limits are changed from workers' compensation law of the state of $500,000 to $1,000,000 in California. hire of the individual employee. 2. Unintentional Failure to Disclose Hazards 2. sums to which Part Two (Employers' Liability If you unintentionally should fail to disclose all Insurance) would apply if the Country of existing hazards at the inception date of your Employment were shown in Item 3.A. of the policy, we shall not deny coverage under this Information Page. policy because of such failure. C. Exclusions S. Waiver of Our Right To Recover From Others This insurance does not cover: A. We have the right to recover our payments 1. any occurrences in the United States, from anyone liable for an injury covered by Canada, and any country or jurisdiction this policy. We will not enforce our right which is the subject of trade or economic against any person or organization for whom sanctions imposed by the laws or regulations you perform work under a written contract of the United States of America in effect as of that requires you to obtain this agreement the inception date of this policy. from us. 2. any obligation imposed by a workers' This agreement shall not operate directly or compensation or occupational disease law, indirectly to benefit anyone not named in the or similar law. agreement. 3. bodily injury intentionally caused or B. This provision 3. does not apply in the states aggravated by you. of Pennsylvania and Utah. Risk ManagementD[vls[on j�� REVIEWED&APPROVED BY: !.1� 1LI L' A AC ® Risk Management Specialist Form WC 99 03 03 B Printed in U.S.A. (Ed. 8/00) Page 4 of 6 4. liability for any consequence, whether of America necessarily incurred as a direct result direct or indirect, of war, invasion, act of of bodily injury. Foreign enemy, hostilities (whether war Our reimbursement shall be limited as follows: be declared or not), civil war, rebellion, revolution, insurrection or military or 1. to the amount by which such expenses usurped power. No endorsement now or exceed the normal cost of returning the subsequently attached to this policy shall officer or employee if in good health, or be construed as overriding or waiving 2. in the event of death, to the amount by which this limitation unless specific reference is such expenses exceed the normal cost of made thereto. returning the officer or employee if alive and D. Before We Pay in good health. Before we reimburse you for the benefits to In no event shall our reimbursement exceed the the persons entitled to them, you must have bodily injury by accident limit shown in Item 3.B. them: of the Information Page as respects any one such officer or employee whether dead or alive. 1. release you and us, in writing, of all H. Endemic Disease responsibility for the injury or death, 2. transfer to us their right to recover from The word "disease" includes any endemic others who may be responsible for their diseases. injury or death, The coverage applies as if endemic diseases 3. cooperate with us and do everything were included in the provisions of the workers' necessary to enable us to enforce the compensation law. right to recover from others. 5. Longshore and Harbor Workers' Compensation If the persons entitled to the benefits paid fail Act Coverage to do these things, our duty to reimburse General Section C. Workers' Compensation Law ends at once. If they claim damages from us is replaced by the following: for the injury or death, our duty to reimburse C. Workers' Compensation Law ends at once. Workers' Compensation Law means the workers E. Recovery From Others or workers' compensation law and occupational If we make a recovery from others, we will disease law of each state or territory named in keep an amount equal to our expenses of Item 3.A. of the Information Page and the recovery and the benefits we reimbursed. Longshore and Harbor Workers' Compensation We will pay the balance to the persons Act (33 USC Sections 901-950). It includes any entitled to it. If persons entitled to the amendments to those laws that are in effect benefits make a recovery from others, they during the policy period. It does not include any must repay us for the amounts that we have other federal workers or workers' compensation reimbursed you. law, other federal occupational disease law or the F. Reimbursement for Actual Loss provisions of any law that provide Sustained nonoccupational disability benefits. This endorsement provides only for Part Two (Employers' Liability Insurance), C. reimbursement for the loss you actually Exclusions, exclusion 8, does not apply to work sustain. In order for you to recover loss or subject to the Longshore and Harbor Workers' expenses under this reimbursement you Compensation Act. must: This coverage does not apply to work subject to 1. actually sustain and pay the loss or the Defense Base Act, the Outer Continental expense in money after trial, or Shelf Lands Act, or the Nonappropriated Fund Instrumentalities Act. 2. secure our consent for the payment of the loss or expense. G. Repatriation Our reimbursement includes the additional expenses of repatriation to the United States f Risk Management Division REVIEWED&APPROVED BY: �® Risk Management Specialist l Form WC 99 03 03 B Printed in U.S.A. (Ed. 8/00) Page 5 of 6 SECTION III 1. SCHEDULE OF COVERED STATES B. If a state, shown in Item 3.A. of the Information A. This endorsement only applies in the states Page, approves this endorsement after the listed in this Schedule of Covered States. effective date of this policy, this endorsement will apply to this policy. The coverage will apply in the new state on the effective date of the state approval C. Schedule of Covered States: CA Countersigned by Risk Mimagement Division �� ° REVIEWED&APPROVED BY: °1if11li1' Ac4/4 Risk Management Specialist l 1 Form WC 99 03 03 B Printed in U.S.A. (Ed. 8/00) Page 6 of 6 DATE (MM/DD/YYYY) CERTIFICATE OF LIABILITY INSURANCE 09/19/2024 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). CONTACT PRODUCER Lindsey Jamall NAME: FAX PHONE The Liberty Company Insurance Brokers(888) 918-3960 (A/C, No): (A/C, No, Ext): E-MAIL Lic #0D79653ljamall@libertycompany.com ADDRESS: 5955 De Soto Ave, Ste 250 INSURER(S) AFFORDING COVERAGENAIC # Woodland HillsCA91367Hartford Underwriters Insurance Company30104 INSURER A : INSURED Rated By Multiple Companies00914 INSURER B : Lance Soll & Lunghard LLP INSURER C : 203 N Brea Blvd Ste 203 INSURER D : INSURER E : BreaCA92821 INSURER F : 24-25 BOP/UMB/WC COVERAGESCERTIFICATE NUMBER:REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. ADDLSUBR INSRPOLICY EFFPOLICY EXP TYPE OF INSURANCELIMITS POLICY NUMBER LTR(MM/DD/YYYY)(MM/DD/YYYY) INSDWVD COMMERCIAL GENERAL LIABILITY 2,000,000 EACH OCCURRENCE$ DAMAGE TO RENTED 1,000,000 CLAIMS-MADEOCCUR$ PREMISES (Ea occurrence) 10,000 MED EXP (Any one person)$ AYY57SBABE9C7810/12/202410/12/20252,000,000 PERSONAL & ADV INJURY$ 4,000,000 GEN'L AGGREGATE LIMIT APPLIES PER:GENERAL AGGREGATE$ PRO- 4,000,000 POLICYLOCPRODUCTS - COMP/OP AGG$ JECT $ OTHER: COMBINED SINGLE LIMIT AUTOMOBILE LIABILITY 2,000,000 $ (Ea accident) ANY AUTOBODILY INJURY (Per person)$ OWNEDSCHEDULED AYY57SBABE9C7810/12/202410/12/2025 BODILY INJURY (Per accident)$ AUTOS ONLYAUTOS HIREDNON-OWNEDPROPERTY DAMAGE $ (Per accident) AUTOS ONLYAUTOS ONLY $ UMBRELLA LIAB 1,000,000 OCCUREACH OCCURRENCE$ A EXCESS LIAB 57SBABE9C7810/12/202410/12/20251,000,000 CLAIMS-MADEAGGREGATE$ 10,000 DEDRETENTION$$ PEROTH- WORKERS COMPENSATION STATUTEER AND EMPLOYERS' LIABILITY Y / N 1,000,000 ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT$ BY N / A Y57WECAZ7TWB10/12/202410/12/2025 OFFICER/MEMBER EXCLUDED? 1,000,000 (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE$ If yes, describe under 1,000,000 DESCRIPTION OF OPERATIONS belowE.L. DISEASE - POLICY LIMIT$ DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) City of Santa Ana, its City Council, its officers, officials, employees, agents, and volunteers are Additional Insureds with respect to General and Auto Liability. Coverage is Primary & Non-Contributory and Waiver of Subrogation Applies to General and Auto Liability per Form SS 00080405. Waiver of Subrogation applies to Workers Compensation per Form WC 04 03 06. All above provisions are per Terms of Written Contract with the Named Insured. 30 days notice of cancellation of listed policies provided in favor of Certificate Holder. 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. City of Santa Ana Finance & Management Services AUTHORIZED REPRESENTATIVE 20 Civic Center Plaza M-17 Santa AnaCA92701 © 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03)The ACORD name and logo are registered marks of ACORD CzDzouijbNpsbbu:;44bn-Pdu3:-3135 10/12/2024 Affinity Insurance Services, Inc. 1100 Virginia Drive, Suite 250 Fort Washington, PA 19034 Continental Casualty Company 20443 20443 Continental Casualty Company Lance, Soll & Lunghard, LLP 203 N Brea Boulevard, Suite 203 Brea, CA 92821-4056 A Professional Liability APL-275513554 10/12/2024 10/12/2025 Per Claim/Aggregate $3,000,000/$3,000,000 B Network Security & Liability APL-275513554 10/12/2024 10/12/2025 Aggregate $2,000,000 City of Santa Ana Finance & Management Services Santa Ana, CA 92701 Affinity Insurance Services, Inc. CzDzouijbNpsbbu:;44bn-Pdu3:-3135 Declarations: Business Owner’s Policy NGS Business Owners Declaration Page Name of Agency/Broker: Policy Number:57 SBA BE9C78 THE LIBERTY CO INS BROKERS LLC Policy Period:Policy Period:10/12/202410/12/2024toto10/12/2025,10/12/2025, 5955 DE SOTO AVE SUITE 250 12:01 a.m., Standard time at your mailing12:01 a.m., Standard time at your mailing WOODLAND HILLS, CA 91367 address shown here. Exception: 12 noon inaddress shown here. Exception: 12 noon in New Hampshire.New Hampshire. Insurer: Code:57110022 Hartford Underwriters Insurance Company, a property and casualty company of The Previous Policy Number: Hartford. 57 SBA BM1263 One Hartford Plaza, Hartford, CT 06155 Organization Type:Corporation Named Insured and Mailing Address:Named Insured and Mailing Address: Audit Period: Non-Auditable LANCE SOLL & LUNGHARD LLPLANCE SOLL & LUNGHARD LLP 203 N BREA BLVD STE 203203 N BREA BLVD STE 203 Insurance Provided: In return for the BREABREA,, CA CA9282192821payment of the premium and subject to all of the terms of this policy, we agree Type of Business:Accounting & Auditing with you to provide insurance as stated Services in this policy. TOTAL PREMIUM: $7,306* * Total Premium includes the premium for all Coverage Parts issued to you in this policy, as well as any companion policies delivered with this policy. Total Premium includes any applicable fees and surcharges. Total Premium may change based on coverage changes made through endorsement or if your policy is subject to Premium Audit. Countersigned by:07/24/2024 Authorized RepresentativeDate A Business Owner’s Policy typically covers property and business liability risks. Generally, Property insurance pays you if a covered cause of loss damages property that you own, rent or lease. Business liability insurance pays in certain cases where something you do or something you own causes injury or damage to someone else, or someone else’s property.Please see the coverages and limits described in your Declarations for details regarding the insurance you purchased. This Spectrum® Business Owner’s Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies. Form: SC 00 01 10 181 CzDzouijbNpsbbu:;44bn-Pdu3:-3135 Declarations: Business Liability Coverage Part Your policy includes the liability coverages listed below. The limits in the right-hand column show the maximum amount we’ll pay. FORM NUMBERFORM NAMELIMIT OF INSURANCE SL 00 00 10 18SL 00 00 10 18BUSINESS LIABILITY COVERAGE FORMBUSINESS LIABILITY COVERAGE FORM Damage To Premises Rented To You Limit$1,000,000 General Aggregate Limit$4,000,000 Liability and Medical Expenses Limit$2,000,000 Medical Expenses Limit$10,000 Personal and Advertising Injury Limit$2,000,000 Products-Completed Operations Aggregate Limit$4,000,000 Property Damage Liability DeductibleNo Deductible ADDITIONAL BUSINESS LIABILITY COVERAGES SL 30 42 10 18SL 30 42 10 18ADDITIONAL INSURED - DESIGNATED PERSON ORADDITIONAL INSURED - DESIGNATED PERSON OR ORGANIZATIONORGANIZATION SL 30 36 10 18SL 30 36 10 18ADDITIONAL INSURED - OWNERS, LESSEES ORADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - COMPLETED OPERATIONSCONTRACTORS - COMPLETED OPERATIONS 1 SL 30 32 06 21SL 30 32 06 21BLANKET ADDITIONAL INSURED BY CONTRACTBLANKET ADDITIONAL INSURED BY CONTRACTIncluded 1 SL 30 23 10 18ELECTRONIC MEDIA LIABILITYIncluded SL 51 71 10 18EMPLOYEE BENEFITS LIABILITY - OCCURRENCE Aggregate Limit$4,000,000 Each Claim Limit$2,000,000 1 SL 30 26 10 18HIRED AUTO AND NON-OWNED AUTO LIABILITYIncluded SL 30 03 10 18WAIVER OF SUBROGATIONSee schedule below 1 Included in Business Liability Limit(s) BUSINESS LIABILITY SCHEDULES Form NumberForm NameDescriptionAdditional Details SL 30 03 10 18WAIVER OF SUBROGATIONCITY OF NEWPORT NEWSLocation: 2400 PURCHASING DEPARTMENTWASHINGTON AVENUE 4TH FLOOR NEWPORT NEWS, VA 23807 ADDITIONAL INSUREDS SCHEDULESADDITIONAL INSUREDS SCHEDULES Additional Insured Name Form NumberForm NameLocation and Address SL 30 36 10 18SL 30 36 10 18ADDITIONAL INSURED - OWNERS,ONTARIO INTERNATIONALLOC 001 002 003 004 LESSEES OR CONTRACTORS -AIRPORT AUTHORITY, ITSBLDG 001 COMPLETED OPERATIONSCOMMISSIONERS OFFICERS, EMPLOYEES AGENTS AND VOLUNTEER 1923 E AVION STREET, ONTARIO, CA 91764 10 Form: SC 00 01 10 18 CzDzouijbNpsbbu:;44bn-Pdu3:-3135 Declarations: Business Liability Coverage Part CONTINUED ADDITIONAL INSUREDS SCHEDULES Additional Insured Name Form NumberForm NameLocation and Address CITY OF MALIBULOC 001/002/003/004 BLDG 001 23825 STUART RANCH RD, MALIBU, CA 90265 THE COUNTY OF MONTEREY, ITSLOC 001 BLDG 001 OFFICERS, AGENTS AND EMPLOYEES 1488 SCHILLING PLACE, SALINAS, CA 93901 SL 30 42 10 18SL 30 42 10 18ADDITIONAL INSURED -CITY OF LATHROPN/A DESIGNATED PERSON OR 390 TOWNE CENTRE DRIVE, ORGANIZATION LATHROP, CA 95330 CITY OF ORANGEN/A 300 E. CHAPMAN AVENUE, ORANGE, CA 92866 CITY OF SAN BUENAVENTURA,N/A ITS OFFICERS, OFFICIALS, AGENTS, EMPLOYEES AND VOLUNTEERS 501 POLI STREET, VENTURA, CA 93002 SAN BERNARDINO COUNTYN/A PURCHASING DEPARTMENT 222 W. HOSPITALITY LANE 2ND FLOOR, SAN BERNARDINO, CA 92415 CITY OF BEVERLY HILLSN/A 455 N. REXFORD DR, BEVERLY HILLS, CA 90210 OFFICE OF THE CITY CLERKN/A ATTN: CITY RISK/AGREEMENT MANAGER CITY OF WEST PALM BEACH 401 CLEMATIS STREET, WEST PALM BEACH, FL 33401 CITY OF LOS ANGELES AND ITSN/A AGENCIES, BOARDS AND DEPTS. 200 NORTH MAIN STREET CITY HALL EAST - RM 1240, LOS ANGELES, CA 90012 CITY OF PLEASANTONN/A P.O. BOX 520, PLEASANTON, CA 94566 11 Form: SC 00 01 10 18 CzDzouijbNpsbbu:;44bn-Pdu3:-3135 Declarations: Business Liability Coverage Part CONTINUED ADDITIONAL INSUREDS SCHEDULES Additional Insured Name Form NumberForm NameLocation and Address CITY OF LIVINGSTONN/A 1416 C STREET, LIVINGSTON, CA 95334 CITY OF SHAFTERN/A 336 PACIFIC AVENUE, SHAFTER, CA 93263 CITY OF BAKERSFIELD OFFICEN/A OF RISK MANAGEMENT 1600 TRUXTUN AVE, BAKERSFIELD, CA 93301 CITRUS HEIGHTS WATERN/A DISTRICT P.O. BOX 286, CITRUS HEIGHTS, CA 95611 EASTERN MUNICIPAL WATERN/A DISTRICT P.O. BOX 8300, PERRIS, CA 92572 CITY OF SAN JUAN CAPISTRANON/A 32400 PASEO ADELANTO, SAN JUAN CAPISTRANO, CA 92675 THE CITY OF LOS ALAMITOS ITSN/A OFFICERS, EMPLOYEES, AGENTS AND VOLUNTEERS 3191 KATELLA AVE, LOS ALAMITOS, CA 90720 THE CITY OF SAN CLEMENTE, ITSN/A OFFICIALS, OFFICERS, EMPLOYEES AGENTS AND VOLUNTEERS 910 CALLE NEGOCIO, SAN CLEMENTE, CA 92673 SANTA CLARA VALLEY WATERN/A DISTRICT; ITS DIRECTORS, OFFICERS EMPLOYEES, AND AGENTS INDIVIDUALLY AND COLLECTIVELY PO BOX 100085 - FT, DULUTH, GA 30096 CITY OF BENICIA, ITS CITYN/A COUNCIL MEMBERS, OFFICIALS, AGENTS, OFFICERS AND EMPLOYEES 250 E L ST, BENICIA, CA 94510 12 Form: SC 00 01 10 18 CzDzouijbNpsbbu:;44bn-Pdu3:-3135 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED BY CONTRACTBLANKET ADDITIONAL INSURED BY CONTRACT This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A.The following is added to SectionC.WHO IS AN INSURED: Additional Insureds When Required By Written Contract, Written Agreement Or PermitAdditional Insureds When Required By Written Contract, Written Agreement Or Permit Theperson(s)ororganization(s)identifiedinParagraphsa.throughf.belowareadditionalinsuredswhenyou haveagreed,inawrittencontractorwrittenagreement,orwhenrequiredbyawrittenpermitissuedbyastateor governmentalagencyorsubdivisionorpoliticalsubdivisionthatsuchpersonororganizationbeaddedasan additionalinsuredonyourCoveragePart,providedtheinjuryordamageoccurssubsequenttotheexecutionof the contract or agreement, or the issuance of the permit. Apersonororganizationisanadditionalinsuredunderthisprovisiononlyforthatperiodoftimerequiredbythe contract, agreement or permit. However,nosuchpersonororganizationisanadditionalinsuredunderthisprovisionifsuchpersonor organizationisincludedasanadditionalinsuredbyanyotherendorsementissuedbyusandmadeapartofthis Coverage Part. Theinsuranceaffordedtosuchadditionalinsuredwillnotbebroaderthanthatwhichyouarerequiredbythe contract, agreement, or permit to provide for such additional insured. The insurance afforded to such additional insured only applies to the extent permitted by law. ThelimitsofinsurancethatapplytoadditionalinsuredsaredescribedinSectionD.LIABILITYANDMEDICAL EXPENSESLIMITSOFINSURANCE.Howthisinsuranceapplieswhenotherinsuranceisavailabletoan additionalinsuredisdescribedintheOtherInsuranceConditioninSectionE.LIABILITYANDMEDICAL EXPENSES GENERAL CONDITIONS. a.Vendors Anyperson(s)ororganization(s)(referredtobelowasvendor),butonlywithrespectto"bodilyinjury"or "propertydamage"arisingoutof"yourproducts"whicharedistributedorsoldintheregularcourseofthe vendor'sbusinessandonlyifthisCoveragePartprovidescoveragefor"bodilyinjury"or"propertydamage" included within the "products-completed operations hazard". (1)The insurance afforded to the vendor is subject to the following additional exclusions: This insurance does not apply to: (a)"Bodilyinjury"or"propertydamage"forwhichthevendorisobligatedtopaydamagesbyreasonof theassumptionofliabilityinacontractoragreement.Thisexclusiondoesnotapplytoliabilityfor 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,exceptwhenunpackedsolelyforthepurposeofinspection,demonstration,testing,or thesubstitutionofpartsunderinstructionsfromthemanufacturer,andthenrepackagedintheoriginal container; (e)Anyfailuretomakesuchinspections,adjustments,testsorservicingasthevendorhasagreedto makeornormallyundertakestomakeintheusualcourseofbusiness,inconnectionwiththe distribution or sale of the products; (f)Demonstration,installation,servicingorrepairoperations,exceptsuchoperationsperformedatthe vendor's premises in connection with the sale of the product; Form SL 30 32 06 21Form SL 30 32 06 21PagePage11 of of33 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) CzDzouijbNpsbbu:;44bn-Pdu3:-3135 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. (g)Productswhich,afterdistributionorsalebyyou,havebeenlabeledorrelabeledorusedasa container, part or ingredient of any other thing or substance by or for the vendor; or (h)"Bodilyinjury"or"propertydamage"arisingoutofthesolenegligenceofthevendorforitsownactsor omissionsorthoseofitsemployeesoranyoneelseactingonitsbehalf.However,thisexclusion does not apply to: (i)The exceptions contained in Paragraphs(d) or(f); or (ii)Suchinspections,adjustments,testsorservicingasthevendorhasagreedtomakeornormally undertakestomakeintheusualcourseofbusiness,inconnectionwiththedistributionorsaleof the products. (2)Thisinsurancedoesnotapplytoanyinsuredpersonororganizationfromwhomyouhaveacquiredsuch products, or any ingredient, part or container, entering into, accompanying or containing such products. b.Lessors Of Equipment (1)Anypersonororganizationfromwhomyouleaseequipment;butonlywithrespecttotheirliabilityfor "bodilyinjury","propertydamage"or"personalandadvertisinginjury"caused,inwholeorinpart,byyour maintenance, operation or use of equipment leased to you by such person or organization. (2)Withrespecttotheinsuranceaffordedtotheseadditionalinsureds,thisinsurancedoesnotapplytoany "occurrence" which takes place after you cease to lease that equipment. c.Lessors Of Land Or Premises (1)Anypersonororganizationfromwhomyouleaselandorpremises,butonlywithrespecttoliabilityarising out of the ownership, maintenance or use of that part of the land or premises leased to you. (2)With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a)Any"occurrence"whichtakesplaceafteryouceasetoleasethatlandorbeatenantinthatpremises; or (b)Structuralalterations,newconstructionordemolitionoperationsperformedbyoronbehalfofsuch person or organization. d.Architects, Engineers Or Surveyors (1)Anyarchitect,engineer,orsurveyor,butonlywithrespecttoliabilityfor"bodilyinjury","propertydamage" or"personalandadvertisinginjury"caused,inwholeorinpart,byyouractsoromissionsortheactsor omissions of those acting on your behalf: (a)In connection with your premises; (b)In the performance of your ongoing operations performed by you or on your behalf; or (c)Inconnectionwith"yourwork"andincludedwithinthe"products-completedoperationshazard",but only if: (i)Thewrittencontract,writtenagreementorpermitrequiresyoutoprovidesuchcoveragetosuch additional insured; and (ii)ThisCoveragePartprovidescoveragefor"bodilyinjury"or"propertydamage"includedwithinthe "products-completed operations hazard". (2)Withrespecttotheinsuranceaffordedtotheseadditionalinsureds,thefollowingadditionalexclusion applies: Thisinsurancedoesnotapplyto"bodilyinjury","propertydamage"or"personalandadvertising injury" arising out of the rendering of or the failure to render any professional services, including: (i)Thepreparing,approving,orfailuretoprepareorapprove,maps,shopdrawings,opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (ii)Supervisory, surveying, inspection, architectural or engineering activities. Thisexclusionapplieseveniftheclaimsallegenegligenceorotherwrongdoinginthesupervision, hiring,employment,trainingormonitoringofothersbyaninsured,ifthe“bodilyinjury”,“property Form SL 30 32 06 21Form SL 30 32 06 21PagePage22 of of33 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) CzDzouijbNpsbbu:;44bn-Pdu3:-3135 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. damage”,or“personalandadvertisinginjury”arisesoutoftherenderingoforthefailuretorenderany professional service. e.State Or Governmental Agency Or Subdivision Or Political Subdivision Issuing Permit (1)Anystateorgovernmentalagencyorsubdivisionorpoliticalsubdivision,butonlywithrespectto operationsperformedbyyouoronyourbehalfforwhichthestateorgovernmentalagencyorsubdivision or political subdivision has issued a permit. (2)With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a)"Bodilyinjury","propertydamage"or"personalandadvertisinginjury"arisingoutofoperations performed for the federal government, state or municipality; or (b)"Bodily injury" or "property damage" included within the "products-completed operations hazard". f.Any Other Party (1)Anyotherpersonororganizationwhoisnotinoneofthecategoriesorclasseslistedabovein Paragraphsa.throughe.above,butonlywithrespecttoliabilityfor"bodilyinjury","propertydamage"or "personalandadvertisinginjury"caused,inwholeorinpart,byyouractsoromissionsortheactsor omissions of those acting on your behalf: (a)In the performance of your ongoing operations performed by you or on your behalf; (b)In connection with your premises owned by or rented to you; or (c)Inconnectionwith"yourwork"andincludedwithinthe"products-completedoperationshazard",but only if: (i)Thewrittencontract,writtenagreementorpermitrequiresyoutoprovidesuchcoveragetosuch additional insured; and (ii)ThisCoveragePartprovidescoveragefor"bodilyinjury"or"propertydamage"includedwithinthe "products-completed operations hazard". (2)Withrespecttotheinsuranceaffordedtotheseadditionalinsureds,thefollowingadditionalexclusion applies: Thisinsurancedoesnotapplyto"bodilyinjury","propertydamage"or"personalandadvertisinginjury" arisingoutoftherenderingof,orthefailuretorender,anyprofessionalarchitectural,engineeringor surveying services, including: (a)Thepreparing,approving,orfailuretoprepareorapprove,maps,shopdrawings,opinions,reports, surveys, field orders, change orders, designs or drawings and specifications; or (b)Supervisory, surveying, inspection, architectural or engineering activities. Thisexclusionapplieseveniftheclaimsallegenegligenceorotherwrongdoinginthesupervision,hiring, employment,trainingormonitoringofothersbyaninsured,ifthe“bodilyinjury”,“propertydamage”,or “personalandadvertisinginjury”arisesoutoftherenderingoforthefailuretorenderanyprofessional service described in Paragraphsf.(2)(a) orf.(2)(b) above. Form SL 30 32 06 21Form SL 30 32 06 21PagePage33 of of33 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) CzDzouijbNpsbbu:;44bn-Pdu3:-3135 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED – DESIGNATED PERSON OR ORGANIZATIONADDITIONAL INSURED – DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A.The following is added to SectionC. WHO IS AN INSURED: Designated Person Or OrganizationDesignated Person Or Organization a.Theperson(s)ororganization(s)shownintheDeclarationsasAdditionalInsured–DesignatedPersonOr Organizationisalsoanadditionalinsured,butonlywithrespecttoliabilityfor“bodilyinjury”,“property damage”or“personalandadvertisinginjury”caused,inwholeorinpart,byyouractsoromissionsortheacts or omissions of those acting on your behalf: (1)In the performance of your ongoing operations; or (2)In connection with your premises owned by or rented to you. b.Ifcoverageprovidedtotheseadditionalinsuredsisrequiredbyawrittencontractorwrittenagreement,or whenrequiredbyawrittenpermitissuedbyastateorgovernmentalagencyorsubdivisionorpolitical subdivision,theinsuranceaffordedtotheseadditionalinsuredswillnotbebroaderthanthatwhichyouare required by the contract, agreement, or permit to provide for these additional insureds. c.The insurance afforded to these additional insureds only applies to the extent permitted by law. B.Withrespecttotheinsuranceaffordedsuchadditionalinsured(s)bythisendorsement,thefollowingadditional exclusion is added to SectionB. EXCLUSIONS: Thisinsurancedoesnotapplyto“bodilyinjury”or“propertydamage”includedwithinthe“products-completed operations hazard”. Form SL 30 42 10 18Form SL 30 42 10 18PagePage11 of of11 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) CzDzouijbNpsbbu:;44bn-Pdu3:-3135 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES ORADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - COMPLETED OPERATIONSCONTRACTORS - COMPLETED OPERATIONS POLICY NUMBER:POLICY NUMBER:57 SBA BE9C7857 SBA BE9C78 This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to SectionC. WHO IS AN INSURED: Additional Insured – Owners, Lessees Or Contractors – Completed OperationsAdditional Insured – Owners, Lessees Or Contractors – Completed Operations a.Theperson(s)ororganization(s)shownintheScheduleontheDeclarationsisalsoanadditionalinsured,but onlywithrespecttoliabilityfor"bodilyinjury"or"propertydamage"caused,inwholeorinpart,by"yourwork" andatthelocationdesignatedanddescribedintheLocationAndDescriptionOfCompletedOperations ScheduleintheDeclarationsperformedforthatadditionalinsuredandincludedinthe"products-completed operations hazard". b.Withrespecttotheinsuranceaffordedtotheseadditionalinsureds,thisinsurancedoesnotapplyto"bodily injury","propertydamage"or"personalandadvertisinginjury"arisingoutoftherenderingof,orthefailureto render, any professional architectural, engineering or surveying services, including: (1)Thepreparing,approving,editingoforfailuretoprepareorapprove,shopdrawings,maps,opinions, reports,surveys,changeorders,fieldorders,designs,drawings,specifications,warnings, recommendations, permit applications, payment requests, manuals or instructions; (2)Supervisory, inspection, quality control, architectural, engineering or surveying activities or services; (3)Maintenanceofjobsitesafety,constructionadministration,constructioncontracting,construction management,computerconsultingordesignsoftwaredevelopmentorprogrammingservice,orselection of a contractor or programming service; (4)Monitoring,sampling,ortestingservicenecessarytoperformanyoftheservicesincludedin(1),(2)or(3) above; (5)Supervision,hiring,employment,trainingormonitoringofotherswhoareperforminganyoftheservices included in(1), (2) or(3) above; c.The insurance afforded to these additional insureds only applies to the extent permitted by law. d.Ifcoverageprovidedtotheseadditionalinsuredsisrequiredbyawrittencontract,agreementorwrittenpermit issuedbyastateorgovernmentalagencyorsubdivisionorpoliticalsubdivision,theinsuranceaffordedto theseadditionalinsuredswillnotbebroaderthanthatwhichyouarerequiredbythecontract,agreementor permit to provide for these additional insureds. Form SL 30 36 10 18Form SL 30 36 10 18PagePage11 of of11 Process Date:07/24/2024© 2018, The HartfordPolicy Expiration Date:Policy Expiration Date:10/12/202510/12/2025 (May include copyrighted material of Insurance Services Office, Inc., with its permission) CzDzouijbNpsbbu:;44bn-Pdu3:-3135 (2)Premises Rented To You Thatisfire,lightningorexplosioninsuranceforpremisesrentedtoyouortemporarilyoccupiedbyyou with permission of the owner; (3)Tenant Liability Thatisinsurancepurchasedbyyoutocoveryourliabilityasatenantfor"propertydamage"topremises rented to you or temporarily occupied by you with permission of the owner; (4)Aircraft, Auto Or Watercraft Ifthelossarisesoutofthemaintenanceoruseofaircraft,"autos"orwatercrafttotheextentnotsubjectto Exclusiong.of SectionB. Exclusions. (5)Property Damage To Borrowed Equipment Or Use Of Elevators Ifthelossarisesoutof"propertydamage"toborrowedequipmentortheuseofelevatorstotheextentnot subject to Exclusionk.of SectionB. Exclusions. (6)When You Are Added As An Additional Insured To Other Insurance Thatisotherinsuranceavailabletoyoucoveringliabilityfordamagesarisingoutofthepremisesor operations,orproductsandcompletedoperations,forwhichyouhavebeenaddedasanadditional insured by that insurance; or (7)When You Add Others As An Additional Insured To This Insurance That is other insurance available to an additional insured. However,thefollowingprovisionsapplytootherinsuranceavailabletoanypersonororganizationwhois an additional insured under this Coverage Part: (a)Primary Insurance When Required By Contract Thisinsuranceisprimaryifyouhaveagreedinawrittencontract,writtenagreementorpermitthat thisinsurancebeprimary.Ifotherinsuranceisalsoprimary,wewillsharewithallthatotherinsurance by the method described inc. below. (b)(b)Primary And Non-Contributory To Other Insurance When Required By ContractPrimary And Non-Contributory To Other Insurance When Required By Contract Ifyouhaveagreedinawrittencontract,writtenagreementorpermitthatthisinsuranceisprimaryand non-contributorywiththeadditionalinsured'sowninsurance,thisinsuranceisprimaryandwewillnot seek contribution from that other insurance. Paragraphs(a)and(b)donotapplytootherinsurancetowhichtheadditionalinsuredhasbeenaddedas an additional insured. Whenthisinsuranceisexcess,wewillhavenodutyunderthisCoverageParttodefendtheinsuredagainst any"suit"ifanyotherinsurerhasadutytodefendtheinsuredagainstthat"suit".Ifnootherinsurerdefends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. Whenthisinsuranceisexcessoverotherinsurance,wewillpayonlyourshareoftheamountoftheloss,if any, that exceeds the sum of: (1)Thetotalamountthatallsuchotherinsurancewouldpayforthelossintheabsenceofthisinsurance; and (2)The total of all deductible and self-insured amounts under all that other insurance. Wewillsharetheremainingloss,ifany,withanyotherinsurancethatisnotdescribedinthisExcess InsuranceprovisionandwasnotboughtspecificallytoapplyinexcessoftheLimitsofInsuranceshownin the Declarations of this Coverage Part. c.Method Of Sharing Ifalltheotherinsurancepermitscontributionbyequalshares,wewillfollowthismethodalso.Underthis approach,eachinsurercontributesequalamountsuntilithaspaiditsapplicablelimitofinsuranceornoneof the loss remains, whichever comes first. Form SL 00 00 10 18Form SL 00 00 10 18PagePage1717 of 22 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) CzDzouijbNpsbbu:;44bn-Pdu3:-3135 Ifanyoftheotherinsurancedoesnotpermitcontributionbyequalshares,wewillcontributebylimits.Under thismethod,eachinsurer’sshareisbasedontheratioofitsapplicablelimitofinsurancetothetotal applicable limits of insurance of all insurers. 7.Transfer Of Rights Of Recovery Against Others To Us a.Transfer Of Rights Of Recovery Iftheinsuredhasrightstorecoverallorpartofanypayment,includingSupplementaryPayments,wehave madeunderthisCoveragePart,thoserightsaretransferredtous.Theinsuredmustdonothingafterlossto impairthem.Atourrequest,theinsuredwillbring"suit"ortransferthoserightstousandhelpusenforce them. This condition does not apply to Medical Expenses Coverage. b.b.Waiver Of Rights Of Recovery (Waiver Of Subrogation)Waiver Of Rights Of Recovery (Waiver Of Subrogation) Iftheinsuredhaswaivedanyrightsofrecoveryagainstanypersonororganizationforallorpartofany payment,includingSupplementaryPayments,wehavemadeunderthisCoveragePart,wealsowaivethat right,providedtheinsuredwaivedtheirrightsofrecoveryagainstsuchpersonororganizationinacontract, agreement or permit that was executed prior to the injury or damage. F.LIABILITY AND MEDICAL EXPENSES DEFINITIONS 1."Advertisement"meansanoticethatisbroadcastorpublishedtothegeneralpublicorspecificmarketsegments aboutyourgoods,productsorservicesforthepurposeofattractingcustomersorsupporters.Forthepurposeof this definition: a.NoticesthatarepublishedincludematerialplacedontheInternetoronsimilarelectronicmeansof communication; and b.Regardingwebsites,onlythatpartofawebsitethatisaboutyourgoods,productsorservicesforthe purpose of attracting customers or supporters is considered an advertisement. 2."Advertising idea" means any idea for an "advertisement". 3."Asbestoshazard"meansanexposureorthreatofexposuretotheactualorallegedpropertiesofasbestosand includes the mere presence of asbestos in any form. 4."Auto" means: a.Alandmotorvehicle,trailerorsemi-trailerdesignedfortravelonpublicroads,includinganyattached machinery or equipment; or b.Anyotherlandvehiclethatissubjecttoacompulsoryorfinancialresponsibilitylaworothermotorvehicle insurance or motor vehicle registration law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". 5."Bodily injury" means physical: a.Injury; b.Sickness; or c.Disease sustained by a person and, if arising out of the above, mental anguish or death at any time. 6."Coverage territory" means: a.The United States of America (including its territories and possessions), Puerto Rico and Canada; b.Internationalwatersorairspace,butonlyiftheinjuryordamageoccursinthecourseoftravelor transportation between any places included ina. above; c.All other parts of the world if the injury or damage arises out of: (1)Goods or products made or sold by you in the territory described ina. above; (2)Theactivitiesofapersonwhosehomeisintheterritorydescribedina.above,butisawayforashorttime on your business; or Form SL 00 00 10 18Form SL 00 00 10 18PagePage1818 of 22 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) CzDzouijbNpsbbu:;44bn-Pdu3:-3135 THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. WORKERS’ COMPENSATION BROAD FORM ENDORSEMENT EXTENDED OPTIONS Policy Number:Policy Number:5757WECWECAZ7TWBAZ7TWBEndorsement Number: Effective Date:Effective Date:10/12/2410/12/24Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:Named Insured and Address:Lance, Soll & Lunghard, LLPLance, Soll & Lunghard, LLP 203 N BREA BLVD STE 203203 N BREA BLVD STE 203 BREABREACACA9282192821 Section I of this endorsement expands coverage provided under WC 00 00 00. Section II of this endorsement provides additional coverage usually only provided by endorsement. Section III of this endorsement is a Schedule of Covered States. You may use the index to locate these coverage features quickly: INDEX SUBJECTPAGESUBJECTPAGE SECTION I2B.Part One Does Not Apply3 PARTS ONE and TWO2C.Application of Coverage3 01We Will Also Pay2D.Additional Exclusions3 PART - THREE2E.West Virginia3 02How This Insurance Works2EXTENDED OPTIONS4 PART - SIX201Employers’ Liability Insurance4 03Transfer of Your Rights and Duties202Unintentional Failure to Disclose4 04Liberalization2Hazards SECTION II20303Waiver of Our Right to Recover fromWaiver of Our Right to Recover from44 VOLUNTARY COMPENSATION2OthersOthers INSURANCE04Foreign Voluntary Compensation4 05Voluntary Compensation Insurance2A.How This Reimbursement Applies4 A.How This Insurance Applies2B.We Will Reimburse4 B.We Will Pay3C.Exclusions4 C.Exclusions3D.Before We Pay5 D.Before We Pay3E.Recovery From Others5 E.Recovery From Others3F.Reimbursement For Actual Loss5 F.Employers’ Liability Insurance3Sustained EMPLOYERS’ LIABILITY STOP GAP3G.Repatriation5 ENDORSEMENTH.Endemic Disease5 06Employers’ Liability Stop Gap305Longshore and Harbor Workers’5 CoverageCompensation Act Coverage A.Stop Gap Coverage Limited to3Endorsement Montana, North Dakota, Ohio,SECTION III6 Washington, West Virginia and01Schedule of Covered States6 Wyoming Form WC 99 03 03 BPrinted in U.S.A. (Ed. 8/00)Page1 of6 Process Date:09/02/24Policy Expiration Date:10/12/25 © 2000, The Hartford CzDzouijbNpsbbu:;44bn-Pdu3:-3135 EXTENDED OPTIONS 1.Employers’ Liability Insurance4.ForeignVoluntaryCompensationandEmployers’ Liability Reimbursement Item3.B.oftheInformationPageisreplacedby the following:A.How This Reimbursement Applies B.Employers’ Liability Insurance:Thisreimbursementprovisionappliestobodily injurybyaccidentorbodilyinjurybydisease. 1.PartTwoofthepolicyappliestoworkin Bodily injury includes resulting death. each state listed in Item 3.A. 1.Thebodilyinjurymustbesustainedbyan officer or employee. TheLimitsofLiabilityunderPartTwoare the higher of:2.Thebodilyinjurymustoccurinthecourseof employmentnecessaryorincidentaltowork inacountrynotlistedinExclusionC.1.ofthis Bodily Injury provision. by Accident$500,000Each Accident 3.Bodilyinjurybyaccidentmustoccurduring the policy period. Bodily Injury by Disease$500,000Policy Limit 4.Bodilyinjurybydiseasemustbecausedor aggravatedbytheconditionsofyour Bodily Injury employment.Theofficeroremployee’slast by Disease$500,000Each Employee exposuretothoseconditionsofyour employmentmustoccurduringthepolicy OR period. B.We Will Reimburse 2.TheamountshownintheInformation Wewillreimburseyouforallamountspaidby Page. you whether such amounts are: Thisprovision1ofEXTENDEDOPTIONSdoes 1.voluntarypaymentsforthebenefitsthat notapplyinNewYorkbecausetheLimitsOfOur wouldberequiredofyouifyouandyour Liability are unlimited. officersoremployeesweresubjecttoany Inthisprovisionthelimitsarechangedfrom workers’compensationlawofthestateof $500,000 to$1,000,000 in California. hire of the individual employee. 2.Unintentional Failure to Disclose Hazards 2.sumstowhichPartTwo(Employers’Liability Insurance)wouldapplyiftheCountryof Ifyouunintentionallyshouldfailtodiscloseall EmploymentwereshowninItem3.A.ofthe existinghazardsattheinceptiondateofyour Information Page. policy,weshallnotdenycoverageunderthis policy because of such failure. C.Exclusions 3.3.Waiver of Our Right To Recover From OthersWaiver of Our Right To Recover From Others This insurance does not cover: A.Wehavetherighttorecoverourpayments 1.anyoccurrencesintheUnitedStates, fromanyoneliableforaninjurycoveredby Canada,andanycountryorjurisdiction thispolicy.Wewillnotenforceourright whichisthesubjectoftradeoreconomic againstanypersonororganizationforwhom sanctionsimposedbythelawsorregulations youperformworkunderawrittencontract oftheUnitedStatesofAmericaineffectasof thatrequiresyoutoobtainthisagreement the inception date of this policy. from us. 2.anyobligationimposedbyaworkers’ Thisagreementshallnotoperatedirectlyor compensationoroccupationaldiseaselaw, indirectlytobenefitanyonenotnamedinthe or similar law. agreement. 3.bodilyinjuryintentionallycausedor B.Thisprovision3.doesnotapplyinthestates aggravated by you. of Pennsylvania and Utah. CzDzouijbNpsbbu:;44bn-Pdu3:-3135 Form WC 99 03 03 BPrinted in U.S.A. (Ed. 8/00)Page4 of6 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION TO CERTIFICATE HOLDER(S) This policy is subject to the following additional Conditions: A.IfthispolicyiscancelledbytheCompany,otherthanfornon-paymentofpremium,noticeofsuchcancellationwillbe providedatleastthirty(30)daysinadvanceofthecancellationeffectivedatetothecertificateholder(s)withmailing addresses on file with the agent of record or the Company. B.Ifthispolicyiscancelledbythecompanyfornon-paymentofpremium,orbytheinsured,noticeofsuchcancellation willbeprovidedwithinten(10)daysofthecancellationeffectivedatetothecertificateholder(s)withmailing addresses on file with the agent of record or the Company. Ifnoticeismailed,proofofmailingtothelastknownmailingaddressofthecertificateholder(s)onfilewiththeagentof record or the Company will be sufficient proof of notice. Anynotificationrightsprovidedbythisendorsementapplyonlytoactivecertificateholder(s)whowereissuedacertificate of insurance applicable to this policy’s term. Failuretoprovidesuchnoticetothecertificateholder(s)willnotamendorextendthedatethecancellationbecomes effective,norwillitnegatecancellationofthepolicy.Failuretosendnoticeshallimposenoliabilityofanykinduponthe Company or its agents or representatives. CzDzouijbNpsbbu:;44bn-Pdu3:-3135 Form SL 90 13 10 18Page1 of1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission)