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HomeMy WebLinkAboutGK & ASSOCIATES, INC.INSURANCE ON FILE 1YG4"NK MAY PROCEED UNTIL INSURANCE EXPIRES CITY CLERK DATE: AUG 15 ZOZ4 A-2024-120-03 CONSULTANT AGREEMENT BETWEEN THE CITY OF SANTA ANA AND GK & ASSOCIATES FOR ON -CALL ENGINEERING, TECHNICAL, AND ADMINISTRATIVE STAFF SUPPORT SERVICES THIS AGREEMENT is made and entered into on this 6th day of August, 2024 by and between EC & AM Associates Inc. dba GK & Associates, ("Consultant"), and the City of Santa Ana, a charter city and municipal corporation organized and existing under the Constitution and laws of the State of California ("City"). RECITALS A. The City desires to retain a Consultant for on -call engineering, technical, and administrative staff support services B. Consultant represents that Consultant is able and willing to provide such services to the City. C. In undertaking the performance of this Agreement, Consultant represents that it is knowledgeable in its field and that any services performed by Consultant under this Agreement will be performed in compliance with such standards as may reasonably be expected from a professional consulting firm in the field. NOW THEREFORE, in consideration of the mutual and respective promises, and subject to the terms and conditions hereinafter set forth, the parties agree as follows: 1. SCOPE OF SERVICES Consultant shall perform during the term of this Agreement, the tasks and obligations including all labor, materials, tools, equipment, and incidental customary work required to fully and adequately complete the services described and set forth in Scope of Work - Exhibit A, attached hereto and incorporated by reference. 2. COMPENSATION a. City neither warrants nor guarantees any minimum or maximum compensation to Consultant under this Agreement. Consultant shall be paid only for actual services performed under this Agreement at the rates and charges identified in Exhibit B. Consultant is one of five (5) Consultants selected to provide Engineering, Technical, and Administrative Staff Support Services on an as needed basis under RFP 24-001. The total compensation for services provided by all Consultants selected under RFP No. 24-001 is a collective amount not to exceed two million five hundred thousand dollars ($2,500,000.00) during the term of the Agreement, including any extension periods. b. Payment by City shall be made within forty-five (45) days following receipt of proper invoice evidencing work performed, subject to City accounting procedures. City and Consultant agree that all payments due and owing under this Agreement shall be made through Automated Clearing House (ACH) transfers. Consultant agrees to execute the City's standard ACH Vendor Payment Authorization and provide required documentation. Upon verification of the data provided, the City will be authorized to deposit payments directly into Consultant's account(s) with financial institutions. Payment need not be made for work which fails to meet the standards of performance set forth in the Recitals which may reasonably be expected by City. 3. TERM This Agreement shall commence on August 6, 2024 for a three (3) year term expiring August 5, 2027 with the option for the City to grant up to one (1) two (2) year renewal, exercisable by a writing by the City Manager and the City Attorney, unless terminated earlier in accordance with Section 15, below. 4. INDEPENDENT CONTRACTOR Consultant shall, during the entire term of this Agreement, be construed to be an independent Consultant and not an employee of the City. This Agreement is not intended nor shall it be construed to create an employer -employee relationship, a joint venture relationship, or to allow the City to exercise discretion or control over the professional manner in which Consultant performs the services which are the subject matter of this Agreement; however, the services to be provided by Consultant shall be provided in a manner consistent with all applicable standards and regulations governing such services. Consultant shall pay all salaries and wages, employer's social security taxes, unemployment insurance and similar taxes relating to employees and shall be responsible for all applicable withholding taxes. 5. OWNERSHIP OF MATERIALS This Agreement creates a non-exclusive and perpetual license for City to copy, use, modify, reuse, or sublicense any and all copyrights, designs, and other intellectual property embodied in plans, specifications, studies, drawings, estimates, and other documents or works of authorship fixed in any tangible medium of expression, including but not limited to, physical drawings or data magnetically or otherwise recorded on computer diskettes, which are prepared or caused to be prepared by Consultant under this Agreement ("Documents & Data"), Consultant shall require all subcontractors to agree in writing that City is granted a non-exclusive and perpetual license for any Documents & Data the subcontractor prepares under this Agreement. Consultant represents and warrants that Consultant has the legal right to license any and all Documents & Data. Consultant makes no such representation and warranty in regard to Documents & Data which were provided to Consultant by the City. City shall not be limited in any way in its use of the Documents and Data at any time, provided that any such use not within the purposes intended by this Agreement shall be at City's sole risk. 6. INSURANCE Prior to undertaking performance of work under this Agreement, Consultant shall maintain and shall require any subcontractors to obtain and maintain insurance as described below for the entire Term of this Agreement against claims for injuries to persons or damage to property which may arise from or in connection with services, products and materials supplied to City. Total cost of such insurance shall be borne by Consultant. MINIMUM SCOPE AND LIMIT OF INSURANCE 1. Commercial General Liability (CGL): Insurance Services Office Form CG 00 01covering CGL on an "occurrence" basis, including products and completed operations, property damage, bodily injury and personal & advertising injury with limits no less than $2,000,000 per occurrence and $4,000,000 aggregate. Required policy limits can be met with primary and umbrella/excess insurance policies. 2. Automobile Liability: Insurance Services Office Form CA 00 01 covering Code 1 (any auto), with limits no less than $1,000,000 combined single limits. In the event Consultant does not maintain commercial automobile liability insurance, City will accept evidence of personal automobile insurance. 3. Workers' Compensation: as required by the State of California, with Statutory Limits, and Employer's Liability Insurance with limit of no less than $1,000,000 per accident, policy or employee, for bodily injury or disease. Coverage is not required if Consultant has no employees and signs request to waive such insurance. 4. Professional Liability Insurance: with limits no less than $1,000,000 per occurrence or claim, and $2,000,000 aggregate. If Consultant maintains broader coverage and/or higher limits than the minimum requirements for each line of coverage shown above, City requires and shall be entitled to the broader coverage and/or the higher limits maintained by Consultant. Any available insurance proceeds in excess of the specified minimum limits of insurance and coverage shall be available to City. Other Insurance Provisions The above required insurance policies are to contain or be endorsed to contain the following provisions: 1. City, its City Council, its officers, officials, employees, agents, and volunteers are to be covered as additional insureds, under Consultant's CGL, Professional Liability, and Automobile Liability policies, with respect to any liability arising out of work or operations performed by or on behalf of the Instructor including materials, parts, equipment, and personnel furnished in connection with such work or operations. 2. Consultant's 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 Consultant under this Agreement. 3. For any claims related to this contract, Consultant'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. A severability of interest provision must apply for all the additional insureds, ensuring that Consultant'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. Insurance policies 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 notice shall be provided to City for policy cancellation or non -renewal due to non-payment of premium. 6. Certificate Holder on each Evidence of Insurance certificate shall be: City of Santa Ana, Attention: Risk Management Division, 20 Civic Center Plaza, Santa Ana, CA 92701. The name and location of project must 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. The City may require the Consultant 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 Consultant 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 before work begins. However, failure to obtain the required documents prior to the work beginning shall not waive Consultant's obligation 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. 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. INDEMNIFICATION Consultant agrees to defend, and shall indemnify and hold harmless the City, its officers, agents, employees, contractors, special counsel, and representatives from liability: (1) for personal injury, damages, just compensation, restitution, judicial or equitable relief arising out of claims for personal injury, including death, and claims for property damage, which may arise from the negligent operations of the Contractor, its subcontractors, agents, employees, or other persons acting on its behalf which relates to the services described in section 1 of this Agreement; and (2) from any claim that personal injury, damages, just compensation, restitution, judicial or equitable relief is due by reason of the terms of or effects arising from this Agreement. This indemnity and hold harmless agreement applies to all claims for damages, just compensation, restitution, judicial 4 or equitable relief suffered, or alleged to have been suffered, by reason of the events referred to in this Section or by reason of the terms of, or effects, arising from this Agreement. The Consultant further agrees to indemnify, hold harmless, and pay all costs for the defense of the City, including fees and costs for special counsel to be selected by the City, regarding any action by a third party challenging the validity of this Agreement, or asserting that personal injury, damages, just compensation, restitution, judicial or equitable relief due to personal or property rights arises by reason of the terms of, or effects arising from this Agreement. City may make all reasonable decisions with respect to its representation in any legal proceeding. Notwithstanding the foregoing, to the extent Contractor's services are subject to Civil Code Section 2782.8, the above indemnity shall be limited, to the extent required by Civil Code Section 2782.8, to claims that arise out of, pertain to, or relate to the negligence, recklessness, or willful misconduct of the Contractor. 8. INTELLECTUAL PROPERTY INDEMNIFICATION Consultant shall defend and indemnify the City, its officers, agents, representatives, and employees against any and all liability, including costs, for infringement of any United States' letters patent, trademark, or copyright infringement, including costs, contained in the work product or documents provided by Consultant to the City pursuant to this Agreement. 9. RECORDS Consultant shall keep records and invoices in connection with the work to be performed under this Agreement. Consultant shall maintain complete and accurate records with respect to the costs incurred under this Agreement and any services, expenditures, and disbursements charged to the City for a minimum period of three (3) years, or for any longer period required by law, from the date of final payment to Consultant under this Agreement. All such records and invoices shall be clearly identifiable. Consultant shall allow a representative of the City to examine, audit, and make transcripts or copies of such records and any other documents created pursuant to this Agreement during regular business hours. Consultant shall allow inspection of all work, data, documents, proceedings, and activities related to this Agreement for a period of three (3) years from the date of final payment to Consultant under this Agreement. 10. CONFIDENTIALITY If Consultant receives from the City information which due to the nature of such information is reasonably understood to be confidential and/or proprietary, Consultant agrees that it shall not use or disclose such information except in the performance of this Agreement, and further agrees to exercise the same degree of care it uses to protect its own information of like importance, but in no event less than reasonable care. "Confidential Information" shall include all nonpublic information. Confidential information includes not only written information, but also information transferred orally, visually, electronically, or by other means. Confidential information disclosed to either party by any subsidiary and/or agent of the other party is covered by this Agreement. The foregoing obligations of non-use and nondisclosure shall not apply to any information that (a) has been disclosed in publicly available sources; (b) is, through no fault of the Consultant disclosed in a publicly available source; (c) is in rightful possession of the Consultant without an obligation of confidentiality; (d) is required to be disclosed by operation of law; or (e) 5 is independently developed by the Consultant without reference to information disclosed by the City. 11. CONFLICT OF INTEREST CLAUSE Consultant covenants that it presently has no interests and shall not have interests, direct or indirect, which would conflict in any manner with performance of services specified under this Agreement. 12. NON-DISCRIMINATION Consultant shall not discriminate because of race, color, creed, religion, sex, marital status, sexual orientation, gender identity, gender expression, gender, medical conditions, genetic information, or military and veteran status, age, national origin, ancestry, or disability, as defined and prohibited by applicable law, in the recruitment, selection, teaching, training, utilization, promotion, termination or other employment related activities or any services provided under this Agreement. Consultant affirms that it is an equal opportunity employer and shall comply with all applicable federal, state and local laws and regulations. 13. EXCLUSIVITY AND AMENDMENT This Agreement represents the complete and exclusive statement between the City and Contractor, and supersedes any and all other agreements, oral or written, between the parties. In the event of a conflict between the terms of this Agreement and any attachments hereto, the terms of this Agreement shall prevail. This Agreement may not be modified except by written instrument signed by the City and by an authorized representative of Contractor. The parties agree that any terms or conditions of any purchase order or other instrument that are inconsistent with, or in addition to, the terms and conditions hereof, shall not bind or obligate Consultant or the City. Each party to this Agreement acknowledges that no representations, inducements, promises or agreements, orally or otherwise, have been made by any party, or anyone acting on behalf of any party, which is not embodied herein. 14. ASSIGNMENT Inasmuch as this Agreement is intended to secure the specialized services of Contractor, Consultant may not assign, transfer, delegate, or subcontract any interest herein without the prior written consent of the City and any such assignment, transfer, delegation or subcontract without the City's prior written consent shall be considered null and void. Nothing in this Agreement shall be construed to limit the City's ability to have any of the services which are the subject to this Agreement performed by City personnel or by other Contractors retained by City. 15. TERMINATION This Agreement may be terminated by the City upon thirty (30) days written notice of termination. In such event, Consultant shall be entitled to receive and the City shall pay Consultant compensation for all services performed by Consultant prior to receipt of such notice of 0 termination, subject to the following conditions: a. As a condition of such payment, the Executive Director may require Consultant to deliver to the City all work product(s) completed as of such date, and in such case such work product shall be the property of the City unless prohibited by law, and Consultant consents to the City's use thereof for such purposes as the City deems appropriate. b. Payment need not be made for work which fails to meet the standard of performance specified in the Recitals of this Agreement. 16. WAIVER No waiver of breach, failure of any condition, or any right or remedy contained in or granted by the provisions of this Agreement shall be effective unless it is in writing and signed by the party waiving the breach, failure, right or remedy. No waiver of any breach, failure or right, or remedy shall be deemed a waiver of any other breach, failure, right or remedy, whether or not similar, nor shall any waiver constitute a continuing waiver unless the writing so specifies. 17. JURISDICTION - VENUE This Agreement has been executed and delivered in the State of California and the validity, interpretation, performance, and enforcement of any of the clauses of this Agreement shall be determined and governed by the laws of the State of California. Both parties further agree that Orange County, California, shall be the venue for any action or proceeding that may be brought or arise out of, in connection with or by reason of this Agreement. 18. PROFESSIONAL LICENSES Consultant shall, throughout the term of this Agreement, maintain all necessary licenses, permits, approvals, waivers, and exemptions necessary for the provision of the services hereunder and required by the laws and regulations of the United States, the State of California, the City of Santa Ana and all other governmental agencies. Consultant shall notify the City immediately and in writing of its inability to obtain or maintain such permits, licenses, approvals, waivers, and exemptions. Said inability shall be cause for termination of this Agreement. 19. NOTICE Any notice, tender, demand, delivery, or other communication pursuant to this Agreement shall be in writing and shall be deemed to be properly given if delivered in person or mailed by first class or certified mail, postage prepaid, or sent by fax or other telegraphic communication in the manner provided in this Section, to the following persons: To City: City Clerk City of Santa Ana 20 Civic Center Plaza (M-30) P.O. Box 1988 Santa Ana, CA 92702-1988 Fax: 714- 647-6956 With courtesy copies to: Executive Director, Public Works Agency City of Santa Ana 20 Civic Center Plaza (M-21) P.O. Box 1988 Santa Ana, California 92702 To Contractor: Ghazala Khan President GK & Associates 3333 South Brea Canyon Road, Suite 120 Diamond Bar, CA 91765 A party may change its address by giving notice in writing to the other party. Thereafter, any communication shall be addressed and transmitted to the new address. If sent by mail, communication shall be effective or deemed to have been given three (3) days after it has been deposited in the United States mail, duly registered or certified, with postage prepaid, and addressed as set forth above. If sent by fax, communication shall be effective or deemed to have been given twenty-four (24) hours after the time set forth on the transmission report issued by the transmitting facsimile machine, addressed as set forth above. For purposes of calculating these time frames, weekends, federal, state, County or City holidays shall be excluded. 20. MISCELLANEOUS PROVISIONS a. Each undersigned represents and warrants that its signature herein below has the power, authority and right to bind their respective parties to each of the terms of this Agreement, and shall indemnify City fully, including reasonable costs and attorney's fees, for any injuries or damages to City in the event that such authority or power is not, in fact, held by the signatory or is withdrawn. b. All Exhibits referenced herein and attached hereto shall be incorporated as if fully set forth in the body of this Agreement. [Signatures on the following page] IN WITNESS WHEREOF, the parties hereto have executed this Agreement the date and year first above written. ATTEST: APPROVED AS TO FORM: SONIA R. CARVALHO City Attorney By: L4. n Jose Auntoya Assistant City Attorney RECOMMENDED FOR APPROVAL: Nabil Saba DM:2024,07.081 M2IyNabliSaba Nabil Saba, PE Executive Director Public Works Agency CITY�ANTA ANA A1W Alvaro Nunez City Manager CONSULTANT: 6/7s?C—& /V&91 haz Khan President EXHIBIT A SCOPE OF WORK Appendix ATTACHMENT 1 SCOPE OF WORK CITY OF SANTA ANA REQUEST FOR PROPOSALS FOR ON -CALL ENGINEERING, TECHNICAL AND ADMINISTRATIVE STAFF SUPPORT SERVICES RFP NO.24-001 The City of Santa Ana is located in the County of Orange in Southern California. The City encompasses 27.5 square miles and a population of over 325,000 people. The City of Santa Ana Public Works Agency is soliciting proposals for staff services from consulting firms to assist in the Design, Construction Management, Plan Check, Project Management, Inspection, Oversight and delivery of Public Work Services. In the past, the City has utilized professional and administrative staff on as needed basis to meet the goals and objectives of the City in the delivery of quality and on time services. The staff services are an extension to the current workforce and work in conjunction to better serve and complement the needs of the Public Works Agency. In summary, the City of Santa Ana is soliciting proposals from qualified firms to provide engineering, technical, and administrative support services for Public Works. This request for proposal (RFP) provides interested qualified firms with the information enabling them to submit a Service Bid Proposal and to provide the services described herein. The City may select up to five (5) consultants to provide the services described herein. Description of Work: On as needed basis, the Consultants will provide the City with professional staff to perform engineering, technical and administrative tasks on the delivery Public Work Services. These tasks may include: Engineering design for street rehabilitation and street widening projects plans and specifications. Underground utility design and review for water, sewer and storm drain plans and specifications; Electrical and Mechanical consulting, review of design of plans and specifications for water infrastructure (i.e. development and permit projects) review of and processing of right of way maps and legal descriptions; Engineering and administrative support of Neighborhood Traffic Management and Residential Permit Parking program; Landscaping and irrigation system design for public work projects. In addition, services may include traffic signal design, road striping, survey services, contract management, project inspection and oversight, and administrative support services. City of Santa Ana RFP 24-001 Page Al-1 Consultant Responsibilities: On an on -call basis, the Consultant/s might be requested to fill position titles listed below. The Consultant's ability to fill all listed positions is desirable, but not a requirement. Engineering/Technical • Project Engineer • Senior Civil Engineer (P.E. License Required) • Assistant Engineer II, (Civil, Traffic, Electrical, Mechanical) • Assistant Engineer I, (Civil, Traffic, Electrical, Mechanical) • Engineering Aide • CADD — Designer • GIS Analyst • Land Surveyor (L.S. License Required) • Project Manager • Field Inspector (Construction) • Field Inspector (Buildings) • Storm Water Coordinator • Plan Check Engineer (Grading, Street Improvement, Utilities) • Map Checker Administrative • Senior Accounting Assistant • Accounting Assistant • Administrative Assistant • Senior Office Assistant • Contract Administrator • Permit Parking Assistant After the City identifies the need for a position to be filled, the selected consultanVs will be asked to expeditiously provide resumes of the candidates for the positon. The City reserves the right to interview any of the candidates prior to making the selection. Registered Professional Engineers and Licensed Land Surveyors may be required to sign plans, specifications and contract legal documents. The City will accommodate the chosen candidate/s with a workstation, provide office supplies, and City issued building access cards (temporary identification), if the City determines that the chosen candidate will work at a City work site. Many of the parking areas at City work sites require payment. The City does not reimburse for consultant parking. City of Santa Ana RFP 24-001 Page Al-2 Sample Fee Proposal Consultant shall submit a fee proposal as described below. The proposal will be used for fee comparison and evaluation purposes. The proposer shall complete this form and include it along with the billing rates breakdown. This schedule will be used for comparison purposes only. PROPOSER FEE RATE SCHEDULE COMPANY NAME (date) TITLE Project Engineer $ Senior Civil Engineer (P.E., License Required) $ Assistant Engineer H $ Assistant Engineer I $ Engineering Aide $ CARD- Designer $ GIS- Analyst $ Land Surveyor (L.S., License Required) $ Project Manager $ Field Inspector (Construction) $ Building Inspector (Buildings) $ Storm Water Coordinator $ Plan Check Engineer $ Map Checker $ Senior Accounting Assistant $ Accounting Assistant $ Administrative Assistant $ Senior Office Assistant $ Contract Administrator $ Permit Parking Assistant $ BILLING RATE Furthermore, this fee proposal will become part of Exhibit B of the Contract Agreement and will be used to compare with an actual work request. City of Santa Ana RFP 24-001 Page Al-3 City of Santa Ana RFP 24-001 Page Al-4 EXHIBIT B Fee Schedule 3333 Brea Canyon Road, Ste. 120 Diamond Bar, CA 91765 www.2kandassociates.com GK & AsSOCL&TES STANDARD HOURLY RATE SCHEDULE 2024 EFFECTIVE FOR ONE YEAR FROM SIGNED CONTRACT DATE TITLE HOURLY RATES Project Manager $215 Construction Manager (P.E.) $187 Construction Manager (CCM) $165 Plan Check Engineer $159 Construction Inspector $165 (prevailing wage)* Contract Administrator $102 Administrative Assistant $95 *Based on a minimum of 4 hours. Overtime Overtime for non -Exempt employees will be charged at 1.5 x hourly rate; overtime for exempt employees and other classification will be charged at 1 x hourly rate. Annual Escalation GK & Associates rates are subject to yearly increases based on the Consumer Price Index (CPI). Tele: 909-595-1940, Fax: 909-595-1314, Email: GKhan@GKandassociates.com from!. GIN11 N Dma Tul y Subject: 3rfxrnd Ncbi a of Comp m m Date: Hwday, Au" 28, 2023 1031AS AM NOTICE OF COMPLIANCE CITY ST A r1:: PREW THIS PAGE AND INCLUDE W MI AGREEMENT TO THE CLERK OF THE C'OtrNCIL Contractor ECUM Consultants, Inc,. Name: Project A-2019-117-04A Number: Project Extension of Agreement To Provide Engineering, Technical, and Administrative Support Services Agreement Name: No. A-2019-117-04 The Certificate of Insurance (C01) submitted indicates that the coverages are in compliance with the insurance requirements. No further action is required at this time. The compliant coverage(s) are: TYP@_ ON INSURANCE POLICY EXPIRATION COI DATE FILE NUMBER DATE NAME AUTOMOBILE LIABILITY GENERAL LIABILITY 1 PROFESSIONAL LIABILITY i AW3H036914 09t01/2024 i 03314038906 09/0112024 DPP4203925 03/04/2 24 I WORKERS COMPENSATION AND UI371C1812(.MI EMPLOYERS' LIABILITY A7/0901124 004/2023 OV24Z2023 031O312023 06114121123 Rcoosal Curt for City of Santa Ana Issued 118-24- 2023.pd1' Renewal Ccrt for Cite of Santa Ana Issacd 08-24- 2423.pdf Rcrlctval Ccrt for Cit.. of Santa Amp& CAI of Santa Ana COI Renewal 6- Thank you, City 0. Sant4 Am Risk Managorhont Division W pall 0?'A�p IVA GTW PILISSON1606 Teaftl SaM023 Ul PM 74/29/2025 E(MM/DD/YYYY) �� CERTIFICATE OF LIABILITY INSURANCE 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: Risk Strategies Company Risk Strategies Company PHONE FAX 2040 Main Street, Suite 450 A/C No Ext: 747 221-7683 x7683 A/c,No): Irvine, CA 92614 ADDRESS: s oung@risk-strategies.com INSURER(S)AFFORDING COVERAGE NAIC# www.risk-strategies.com CA DOI License No.OF06675 INSURERA: Citizens Insurance Company of America 31534 INSURED INSURERB: Allmerica Financial Benefit Insurance Co 41840 EC &AM Associates, Inc., DBA: GK&Associates INSURERC: Hartford Casualty Insurance Company 29424 2896 Vista Ct. Diamond Bar CA 91765 INSURER D: Great American Insurance Company 16691 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: 85047723 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR I POLICY NUMBER MM/DD/YYYY MM/DDIYYYY A �/ COMMERCIAL GENERAL LIABILITY ✓ 0133HO38906 9/1/2024 9/1/2025 EACH OCCURRENCE $2,000,000 CLAIMS-MADE � OCCUR PREM SESOEa oNTE cur ance $1,000,000 MED EXP(Any one person) $10,000 PERSONAL&ADV INJURY $2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $4,000,000 POLICY ✓� JECT LOC PRODUCTS-COMP/OPAGG $4,000,000 OTHER: $ B AUTOMOBILE LIABILITY AW3H038914 9/1/2024 9/1/2025 COMBINED SINGLE LIMIT $ Ea accident 1,000,000 ✓ ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ ✓ AUTOS ONLY ✓ AUTOS ONLY Per accident A �/ UMBRELLALIAB f OCCUR 0133HO38906 9/1/2024 9/1/2025 EACH OCCURRENCE $1,000,000 EXCESS LIAB CLAIMS-MADE AGGREGATE $1,000,000 DED ✓ RETENTION$0 $ C WORKERS COMPENSATION ✓ 72WEGAYOKW2 7/9/2024 7/9/2025 ,/ SPER TATUTE EORH AND EMPLOYERS'LIABILITY Y I N ANYPROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $1,000,000 OFFICER/MEMBER EXCLUDED? ❑ NIA (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $1,000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $1,000,000 D Professional Liability ✓ DPP4203925 5/4/2025 5/4/2026 Per Claim:$1,000,000 Aggregate:$2,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) Projects as on file with the insured. City of Santa Ana,its officers,employees,agents,and representatives are additional insureds with respect to General Liability and Automobile Liability policies per the attached endorsement or as required by written contract.Insurance is Primary and Non-Contributory. Waiver of Subrogation applies to the Automobile,Workers Compensation and Professional Liability.. 30 Day's Notice of Cancellation with 10 Days'Notice for Non-Payment of Premium in accordance with the policy provisions. Tu Tran TDuTralnyNguye�nby APPROVED Date:2025.U4.30 Nguyen 10:37:08-Uroo' By Tu Tran Nguyen at 10:36 am,Apr 30,2025 CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Santa Ana THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Attention: Emily Ho ACCORDANCE WITH THE POLICY PROVISIONS. Public Works Agency—Administrative Services Div. 20 Civic Center Plaza, 4th Floor Ross Annex M-21 AUTHORIZED REPRESENTATIVE Santa Ana CA 92702 RSC Insurance Brokerage ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD 85047723 1 25-26 PL, 24-25 GL-AL-UL-WC I Marsha Bastian 1 4/29/202-5 4:55:03 PM (PDT) I Page 1 of 8 Architects and Engineers The following policy language is from Businessowners General Liability Coverage Part NAMED INSURED: EC &AM Associates, Inc., DBA: GK&AsIR6Wfey NUMBER: OB3HO38906 The following are mandatory forms on the policy identified on the Certificate of Insurance: 391-1586 (08-16) BUSINESSOWNERS GENERAL LIABILITY SUPPLEMENTARY ENDORSEMENT Additional Insured by Contract, Agreement or Permit A. Section II— Liability, C—Who is an insured is amended to include as an additional insured any person or organization with whom you agreed in a written contract,written agreement or permit but only respect to liability for"bodily injury", "property damage" or"personal and advertising injury" caused, in whole or in part, by your acts or omissions; or the acts or omissions of those acting on your behalf, but only with respect to: (i) "Your work"for the additional insured(s)designated in the contract, agreement or permit including "bodily injury" or"property damage" included in the"products-completed operations hazard"only if this Coverage Part provides such coverage; (ii) Premises you own, rent, lease, or occupy; or (iii) Your maintenance, operation or use of equipment leased to you. *Definition: "Your work" a. Means: (1)Work or operations performed by you or on behalf; and (2) materials, parts or equipment furnished in connection with such work or operations; b. Includes (1)warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of"your work"; and (2)the providing of or failure to provide warnings or instructions. This provision does not apply: (1) Unless the written contract or written agreement has been executed or permit has been issued prior to the "bodily Injury", "property damage", "personal injury" or"advertising injury". (2)To any person or organization Included as an Insured by an endorsement Issued by us and made part of this Coverage Part. (3) To any lessor of equipment (a) After the equipment lease expires; or (b) If the "bodily Injury", "property damage", "personal injury"or"advertising Injury" arises out of sole negligence of the lessor. (4)To any: (a) Owners or other Interests from whom land has been leased which takes place after the lease for the land expires; or(b) Managers or lessors of premises if: (i) The occurrence takes place after you cease to be a tenant in that premises; or (ii) The "bodily injury", "property damage", "personal injury" or "advertising injury" arises out of structural alterations, new construction or demolition operations performed by or on behalf of the manager or lessor. (5) To "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or failure to render any professional services. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage" or the offense which caused the "personal and advertising injury" involved the rendering of or failure to render any professional services by or for you. Other Insurance Primary & Non-Contributory The following paragraph is added to SECTION III—COMMON POLICY CONDITIONS, H—Other Insurance:Additional Insured — Primary and Non-Contributory. If you agree in a written contract, written agreement or permit that the insurance provided to any person or organization included as an Additional Insured under SECTION II—Liability, C.Who is an Insured is primary and non-contributory, the following applies: If other valid and collectible insurance is available to the Additional Insured for a loss covered under SECTION II—LIABILITY of this Coverage Part, our obligations are limited as follows: (1) Primary Insurance: This insurance is primary to other insurance that is available to the Additional Insured which covers the Additional Insured as a Named Insured. We will not seek contribution from any other insurance available to the Additional Insured except: (a) For the sole negligence of the Additional Insured; (b) When the Additional Insured is an Additional Insured under another primary liability policy; or (c) When b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. (2) Excess Insurance: (a) This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis: (i) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for"your work"; (ii) That is Fire insurance for premises rented to the Additional Insured or temporarily occupied by the Additional Insured with permission of the owner; No coverage is provided by this Notice, nor can it be construed to replace any provisions of the policy(including its endorsements). If there is any conflict between this Notice and the policy(including the endorsements),the provisions of the policy(including its endorsements)shall prevail. 95047723 1 25-26 PL, 29-25 GL-AL-OL-WC 114-ha Bastian 1 9/29/2025 4:55:03 PM (PDT) I Page 2 of 8 (iii) That is insurance purchased by the Additional Insured to cover the Additional Insured's liability as a tenant for "property damage"to premises rented to the Additional Insured or temporarily occupied by the Additional with permission of the owner; or (iv) If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to Exclusion g. of SECTION II- LIABILITY. B. Exclusions, 1. Applicable to Business Liability Coverage. (v) That is insurance available to you for your participation in any past or present"unnamed joint venture". (vi) That is any insurance you may have that provides coverage for your professional services. (b)When this insurance is excess, we will have no duty to defend the insured against any"suit" if any other insurer has a duty to defend the insured against that"suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. (c)When this insurance is excess over other Insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (i) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (ii) The total of all deductible and self-insured amounts under all that other insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage part. (3) Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach, each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. Per Project Aggregate The following changes are made to SECTION II - LIABILITY: 1. The following is added to SECTION II - LIABILITY, D. Liability and Medical Expenses Limits of Insurance, paragraph 4: The Aggregate Limits of Insurance apply separately to each of"your projects" or each "location" listed in the Declarations. 2. For the purpose of coverage provided by this endorsement only, the following is added to SECTION II -LIABILITY, F. Liability and Medical Expenses Definitions: 1. "Your project" means: a. Any premises, site or"location" at, on, or in which "your work" is not yet completed; and b. Does not include any"location" listed in the Declarations. 2. "Location" means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and, b. Separately to each insured against whom claim is made or"suit" is brought. Waiver Of Subrogation The TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Condition (Section IV—COMMERCIAL GENERAL LIABILITY CONDITIONS) is amended by the addition of the following: We waive any right of recovery we may have against the person or organization where required by written contract because of payments we make for injury or damage arising out of your ongoing operations or"your work" done under a contract with that person or organization and included in the "products-completed operations hazard". This waiver applies only to the person or organization where required by written contract. Notice Of Cancellation For any statutorily permitted reason other than non-payment of premium, the number of days required for notice of cancellation, as provided in paragraph 2. of either the CANCELLATION Common Policy Condition or as amended by an applicable state cancellation endorsement, is increased to 30 Days. AUTHORIZED REPRESENTATIVE *From Hanover Forms: 391-1003(08116);391-1445 (08116);391-1586(08116),391-1003(08/16) No coverage is provided by this Notice, nor can it be construed to replace any provisions of the policy(including its endorsements). If there is any conflict between this Notice and the policy(including the endorsements),the provisions of the policy(including its endorsements)shall prevail. 95047723 1 25-26 PL, 39-35 GL-AL-OL-WC 114—ha Bastian 1 9/29/202-5 4:55:03 PM (PDT) I Page 3 of 8 POLICY NO. : AW31­1038914 EC&AM Associates, Inc., DBA:GK&Associates THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED - PRIMARY AND NON-CONTRIBUTORY This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM A. The following is added to SECTION II — LIABILITY COVERAGE, Paragraph A.I. Who Is If you agree in a written contract, written An Insured: agreement or written permit that the insurance Additional Insured if Required by Contract provided to a person or organization who qualifies If you agree in a written contract, written as an additional "insured" under SECTION II — agreement or written permit that a person or LIABILITY COVERAGE, Paragraph A.1. Who Is organization be added as an additional "insured" An Insured, subparagraph Additional Insured if under this Coverage Part, such person or Required by Contract is primary and non- organization is an "insured"; but only to the extent contributory, the following applies: that such person or organization qualifies as an The liability coverage provided by this Coverage "insured" under paragraph A.1.c. of this Section. Part is primary to any other insurance available to If you agree in a written contract, written the additional "insured" as a Named Insured. We agreement or written permit that a person or will not seek contribution from any other insurance organization be added as an additional "insured" available to the additional "insured" except: under this Coverage Part, the most we will pay on (1) For the sole negligence of the additional behalf of such additional "insured" is the lesser of: "insured"; or (1) The Limits of Insurance for liability coverage (2) For negligence arising out of the ownership, specified in the written contract, written maintenance or use of any "auto" not owned agreement or written permit; or by the additional "insured" or by you, unless (2) The Limits of Insurance for Liability Coverage that "auto" is a "trailer" connected to an "auto" shown in the Declarations applicable to this owned by the additional "insured" or by you; or Coverage Part. (3) When the additional "insured" is also an Such amount shall be part of and not in addition to additional "insured" under another liability the Limits of Insurance shown in the Declarations policy. applicable to this Coverage Part. Regardless of C. This endorsement will apply only if the "accident" the number of covered "autos", "insureds", occurs: premiums paid, claims made or vehicles involved 1. During the policy period; in the "accident", the most we will pay for the total of all damages and "covered pollution cost or 2. Subsequent to the execution of the written expense" combined resulting from any one contract or written agreement or the issuance "accident" is the Limit of Insurance for Liability of the written permit; and Coverage shown in the Declarations. 3. Prior to the expiration of the period of time that B. The following is added to SECTION IV — the written contract, written agreement or BUSINESS AUTO CONDITIONS, Paragraph B. written permit requires such insurance to be General Conditions, subparagraph 5. Other provided to the additional "insured". Insurance: D. Coverage provided to an additional "insured" will Primary and Non-Contributory not be broader than coverage provided to any other"insured" under this Coverage Part. ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. Page 1 of 1 461-0478 12 12 Includes copyrighted material of ISO Insurance Services Office,Inc.,with its permission 85047723 1 25-26 PL, 34-35 GL-AL-OL-WC I Marsha Bastian 1 4/29/2-02-5 4:55:03 PM (PDT) I Page 4 of 8 Insured: EC &AM Associates, Inc., DBA: GK&Associates Policy No.: AW3H038914 14. AUTO LOAN PHYSICAL DAMAGE imposed under a lease for excessive use, EXTENSION abnormal wear and tear or high mileage; security deposits not refunded by the lessor; The following is added to SECTION III - cost for extended warranties, Credit Life PHYSICAL DAMAGE COVERAGE, C. Insurance, Health,Accident or Disability Limit Of Insurance provision: Insurance purchased with the loan; and carry over balances from previous leases. When a 'loss" results in a total loss to a covered auto you own for which a Loss This coverage applies only to the initial Payee is designated in this policy, the most lease for the covered "auto"which has not we will pay for"loss" in any one "accident"is previously been leased. This coverage is the greater of: excess over all other collectible insurance. 1. The actual cash value of the SECTION IV- CONDITIONS damaged or stolen property as of the time of the"loss"; or 16. DUTIES IN THE EVENT OF ACCIDENT, CLAIM,SUIT OR LOSS 2. The outstanding balance of the initial loan, less any amounts for The following is added to SECTION IV- taxes, overdue payments, overdue BUSINESS AUTO CONDITIONS,A. Loss payment charges, penalties, Conditions,2. Duties In The Event Of interest, any charges for early Accident,Claim, Suit Or Loss: termination of the loan, costs for Credit Life Insurance, Health, d. Knowledge of any"accident", Accident or Disability Insurance claim, "suit"or"loss"will be purchased with the loan, and deemed knowledge by you when carry-over balances from previous notice of such "accident', loans. claim, "suit'or"loss" has been received by: 15. AUTO LEASE PHYSICAL DAMAGE EXTENSION (1) You, if you are an individual; (2) Any partner or insurance The following is added to SECTION III - manager if you are a PHYSICAL DAMAGE COVERAGE, C. partnership; or Limit Of Insurance provision: (3) An executive officer or insurance manager if you are If, because of damage, destruction or theft of a corporation. a covered"auto", which is a long-term leased "auto", the lease agreement between 17. BLANKET WAIVER OF you and the lessor is terminated, "we"will SUBROGATION pay the difference between the amount paid under paragraph C. LIMIT OF INSURANCE Paragraph 5. Transfer Of Rights Of 1. or 2. and the amount due at the time of Recovery Against Others To Us, "loss" under the terms of the lease SECTION IV- BUSINESS AUTO agreement applicable to the leased "auto" CONDITIONS,A. Loss Conditions is which you are required to pay: less any fees replaced by the following: to dispose of the auto; any overdue payments;financial penalties Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) 85047723 25-26 PL, 29-25 GL-AL-OL-WC 114,1 sh, Bastian 1 9/29/2-02-5 4:55:03 PM (PDT) I Page 5 of 8 Insured: EC &AM Associates, Inc., DBA: GK&Associates Policy No.: AW3H038914 5. Transfer Of Rights Of Recovery 19. HIRED AUTO-WORLDWIDE Against Others To Us COVERAGE If any person or organization to or The following is added to SECTION IV- for whom we make payment under Business Auto Conditions, B. General this Coverage Form has rights to Conditions,paragraph 7. Policy Period, recover damages from another, Coverage Territory provision: which have not been waived through the execution of an "insured e. Outside the coverage territory contract", written agreement, or described in a., b., c., and d. permit, prior to the "accident"or above for an "accident"or"loss" "loss"giving rise to the payment, resulting from the use of a those rights to recover damages covered "auto"you hire, without a from another are transferred to us. driver, or your employee hires That person or organization must do without a driver, at your direction, everything necessary to secure our for the purpose of conducting your rights and must do nothing after the business,for a period of 30 days "accident"or"loss" to impair them. or less, provided the suit is brought within The United States 18. UNINTENTIONAL FAILURE TO of America or its territories or DISCLOSE INFORMATION possessions. The following is added to SECTION IV SECTION V- DEFINITIONS BUSINESS AUTO CONDITIONS. B. General Conditions, paragraph 2. 20. MENTAL ANGUISH Concealment,Misrepresentation Or Fraud: Paragraph C. "Bodily injury", SECTION V- DEFINITIONS is replaced by the following: Your unintentional error in disclosing, or failure to disclose, any material fact C. "Bodily injury" means bodily injury, existing after the effective date of this sickness or disease sustained by a Coverage Form shall not prejudice your person including death or mental rights under this Coverage Form. anguish resulting from any of these. However,this provision does not affect our right to collect additional premium or exercise our right of cancellation or nonrenewal. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) 85047723 25-26 PL, 29-25 GL-AL-OL-WC I IT—hs Bastian 1 9/29/2-02-5 4:55:03 PM (PDT) I Page 6 of 8 POLICY NO. :DPP4203925 D. Notice to the Company as required in this Section IX. shall be: (1) Emailed to: PLDClaims@gaig.com; or (2) Mailed to: Great American Insurance Group Professional Liability Division PO Box 1178 Cincinnati, OH 45201; or (3) Faxed to: 855-806-8402 Section X. General Conditions A. Assistance and Cooperation (1)The Insured will cooperate with the Company in the defense, investigation and settlement of any Claim. Upon the Company's request, the Insured will attend hearings, depositions and trials and assist in effecting settlements, securing and giving evidence,obtaining the attendance of witnesses and in the conduct of suits and proceedings in connection with a Claim. (2)The Insured will assist in the enforcement of any right of contribution or indemnity against any person or organization who or which may be liable to any Insured in connection with a Claim. (3)The Insured will not,except at the Insured's own cost, voluntarily make any payment of Claims Expenses or Damages, assume or admit any liability or incur any Claims Expenses or other expense without the prior written consent of the Company. B. Action Against the Company (1) No action may be brought against the Company unless,as a condition precedent thereto: (a) the Insured has fully complied with all the terms of this Policy;and (b) until the amount of the Insured's obligation to pay has been finally determined efther by judgment against the Insured after actual trial and appeal or by written agreement of the Insured, the claimant and the Company. (2) Nothing contained in this Policy will give any person or organization the right to join the Company as a defendant or co-defendant or other party in any action against the Insured to determine the Insured's liability. C. Bankruptcy Bankruptcy or insolvency of the Insured or of the Insured's estate will not relieve the Company of any of its obligations hereunder. D. Other Insurance The insurance provided for in this Policy, including any supplementary payments shall be excess over, and shall not contribute with, any other valid and collectible insurance, whether such insurance is stated to be primary, contributory, excess, umbrella, contingent or otherwise. This does not apply to insurance that is purchased by the Named Insured specifically to apply in excess of this insurance. This Policy will not be subject to the terms of any other insurance. E. Subrogation If any Insured has rights to recover amounts from another, those rights are transferred to the Company to the extent of the Company's payment. The Insured must do everything necessary to secure these rights and must not do anything after a Claim is made to jeopardize them. The Company hereby waives subrogation rights against the Insured's client to the extent that the Insured had a written agreement to waive such rights prior to a Potential Claim or Claim. D45100(08/15) 10 85047723 1 25-26 PL, 24-25 GL-AL-UL-WC I Marsha Bastian 1 4/29/2025 4:55:03 PM (PDT) I Page 7 of 8 .0-1,.41 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number: 72 WEG AYOKW2 Endorsement Number: Effective Date: 07/09/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address: EC &AM ASSOCIATES, INC 2896 VISTA CT DIAMOND BAR CA 91765 We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be 2 % of the California workers' compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description Any person or organization for whom you are required by written contract or agreement to obtain this waiver of rights from us Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date: 06/05/24 Policy Expiration Date: 07/09/25 85047723 1 25-26 PL, 39-35 GL-AL-OL-WC I ld—ha B,—ti— 1 9/29/2-02-5 4:55:03 PM (PDT) I Page 8 of 8 76/17/2025 E(MM/DDYYY) A�" CERTIFICATE OF LIABILITY INSURANCE /Y 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 Risk Strategies Company PHONE NAMESherr Young FAX 2040 Main Street, Suite 450 A/c No Ext: 949-242-9237 A/c No): Irvine, CA 92614 ADDRESS: syoung@risk-strategies.com INSURER(S)AFFORDING COVERAGE NAIC# www.risk-strategies.com CA DOI License No.OF06675 INSURERA: Citizens Insurance Company of America 31534 INSURED INSURERB: Allmerica Financial Benefit Insurance Co 41840 EC &AM Associates, Inc., DBA: GK&Associates INSURERC: Hartford Casualty Insurance Company 29424 2896 Vista Ct. Diamond Bar CA 91765 INSURERD: Great American Insurance Company 16691 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: 85813592 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR INSD WVD POLICYNUMBER MM/DD MM/DD A / COMMERCIAL GENERAL LIABILITY ✓ 0631­1038906 9/1/2024 9/1/2025 EACH OCCURRENCE $2,000,000 AMAIE To RENTED CLAIMS-MADE EVI OCCUR PREM SES(E.occurrence) ccurrrence) $1,000,000 MED EXP(Any one person) $10,000 PERSONAL&ADV INJURY $2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERALAGGREGATE $4,000,000 POLICY ✓� ECT LOC PRODUCTS-COMP/OPAGG $4,000,000 1� PRO- OTHER: $ B AUTOMOBILE LIABILITY ✓ ✓ AW3H038914 9/1/2024 9/1/2025 (CEO,acccidentSINGLE LIMIT $1,000,000 ✓ ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ ✓ AUTOS ONLY ✓ AUTOS ONLY Per accident A / UMBRELLA LAB / OCCUR 0631­1038906 9/1/2024 9/1/2025 EACH OCCURRENCE $1,000,000 EXCESS LAB CLAIMS-MADE AGGREGATE $1,000,000 DED ✓ RETENTION$0 $ C WORKERS COMPENSATION ✓ 72WEGAYOKW2 7/9/2025 7/9/2026 �/ SPER TATUTE OERH AND EMPLOYERS'LIABILITY Y/N ANYPROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $1,000,000 OFFICER/MEMBER EXCLUDED? ❑ N/A (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $1,000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $1,000,000 D Professional Liability ✓ DPP4203925 5/4/2025 5/4/2026 Per Claim:$1,000,000 Aggregate:$2,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,maybe attached if more space is required) Projects as on file with the insured. City of Santa Ana, its officers,employees,agents,and representatives are additional insureds with respect to General Liability and Automobile Liability policies per the attached endorsement or as required by written contract.Insurance is Primary and Non-Contributory. Waiver of Subrogation applies to the Automobile,Workers Compensation and Professional Liability.. 30 Day's Notice of Cancellation with 10 Days'Notice for Non-Payment of Premium in accordance with the policy provisions. Tu Tran Digitally signed by Tu Tran Nguyen Nguyen 094;20-0 008 APPROVED CERTIFICATE HOLDER CANCELLATION By Tu Tran Nguyen at 9:40 am,Jul 08,2025 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Santa Ana THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Attention: Emily Ho ACCORDANCE WITH THE POLICY PROVISIONS. Public Works Agency—Administrative Services Div. 20 Civic Center Plaza, 4th Floor Ross Annex M-21 AUTHORIZED REPRESENTATIVE Santa Ana CA 92702 RSC Insurance Brokerage ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016103) The ACORD name and logo are registered marks of ACORD 85813592 125-26 WC-PL, 24-25 GL-AL-UL I Sherry Young 16/17/2025 12:33:12 PM (PDT) I Page 1 of 8 Architects and Engineers The following policy language is from Businessowners General Liability Coverage Part NAMED INSURED: EC &AM Associates,Inc.,DBA: GK&Assoll lPWCY NUMBER: 01331­1038906 The following are mandatory forms on the policy identified on the Certificate of Insurance: 391-1586 (08-16) BUSINESSOWNERS GENERAL LIABILITY SUPPLEMENTARY ENDORSEMENT Additional Insured by Contract, Agreement or Permit A. Section II — Liability, C—Who is an insured is amended to include as an additional insured any person or organization with whom you agreed in a written contract,written agreement or permit but only respect to liability for"bodily injury", "property damage" or"personal and advertising injury" caused, in whole or in part, by your acts or omissions; or the acts or omissions of those acting on your behalf, but only with respect to: (i) "Your work"for the additional insured(s)designated in the contract, agreement or permit including "bodily injury" or"property damage" included in the"products-completed operations hazard"only if this Coverage Part provides such coverage; (ii) Premises you own, rent, lease, or occupy; or (iii) Your maintenance, operation or use of equipment leased to you. *Definition: "Your work" a. Means: (1)Work or operations performed by you or on behalf; and (2) materials, parts or equipment furnished in connection with such work or operations; b. Includes (1)warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of"your work"; and (2)the providing of or failure to provide warnings or instructions. This provision does not apply: (1) Unless the written contract or written agreement has been executed or permit has been issued prior to the "bodily Injury", "property damage", "personal injury" or"advertising injury". (2)To any person or organization Included as an Insured by an endorsement Issued by us and made part of this Coverage Part. (3) To any lessor of equipment (a) After the equipment lease expires; or (b) If the "bodily Injury", "property damage", "personal injury" or"advertising Injury" arises out of sole negligence of the lessor. (4)To any: (a) Owners or other Interests from whom land has been leased which takes place after the lease for the land expires; or (b) Managers or lessors of premises if: (i) The occurrence takes place after you cease to be a tenant in that premises; or (ii) The "bodily injury", "property damage", "personal injury" or "advertising injury" arises out of structural alterations, new construction or demolition operations performed by or on behalf of the manager or lessor. (5) To "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or failure to render any professional services. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage" or the offense which caused the "personal and advertising injury" involved the rendering of or failure to render any professional services by or for you. Other Insurance Primary & Non-Contributory The following paragraph is added to SECTION III—COMMON POLICY CONDITIONS, H—Other Insurance:Additional Insured — Primary and Non-Contributory. If you agree in a written contract, written agreement or permit that the insurance provided to any person or organization included as an Additional Insured under SECTION II—Liability, C.Who is an Insured is primary and non-contributory, the following applies: If other valid and collectible insurance is available to the Additional Insured for a loss covered under SECTION II— LIABILITY of this Coverage Part, our obligations are limited as follows: (1) Primary Insurance: This insurance is primary to other insurance that is available to the Additional Insured which covers the Additional Insured as a Named Insured. We will not seek contribution from any other insurance available to the Additional Insured except: (a) For the sole negligence of the Additional Insured; (b) When the Additional Insured is an Additional Insured under another primary liability policy; or (c) When b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. (2) Excess Insurance: (a) This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis: (i) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for"your work"; (ii) That is Fire insurance for premises rented to the Additional Insured or temporarily occupied by the Additional Insured with permission of the owner; No coverage is provided by this Notice, nor can it be construed to replace any provisions of the policy(including its endorsements). If there is any conflict between this Notice and the policy(including the endorsements),the provisions of the policy(including its endorsements)shall prevail. 85813592 125-26 WC-PL, 24-25 GL-AL-UL I Sherry Young 16/17/2025 12:33:12 PM (PDT) I Page 2 of 8 (iii) That is insurance purchased by the Additional Insured to cover the Additional Insured's liability as a tenant for "property damage"to premises rented to the Additional Insured or temporarily occupied by the Additional with permission of the owner; or (iv) If the loss arises out of the maintenance or use of aircraft, "autos"or watercraft to the extent not subject to Exclusion g. of SECTION II - LIABILITY. B. Exclusions, 1.Applicable to Business Liability Coverage. (v) That is insurance available to you for your participation in any past or present"unnamed joint venture". (vi) That is any insurance you may have that provides coverage for your professional services. (b)When this insurance is excess, we will have no duty to defend the insured against any"suit" if any other insurer has a duty to defend the insured against that"suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. (c) When this insurance is excess over other Insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (i)The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (ii) The total of all deductible and self-insured amounts under all that other insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage part. (3) Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach, each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. Per Project Aggregate The following changes are made to SECTION II - LIABILITY: 1. The following is added to SECTION II -LIABILITY, D. Liability and Medical Expenses Limits of Insurance, paragraph 4: The Aggregate Limits of Insurance apply separately to each of"your projects"or each "location" listed in the Declarations. 2. For the purpose of coverage provided by this endorsement only, the following is added to SECTION II -LIABILITY, F. Liability and Medical Expenses Definitions: 1. "Your project" means: a.Any premises, site or"location" at, on, or in which "your work" is not yet completed; and b. Does not include any"location" listed in the Declarations. 2. "Location" means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and, b. Separately to each insured against whom claim is made or"suit" is brought. Waiver Of Subrogation The TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Condition(Section IV—COMMERCIAL GENERAL LIABILITY CONDITIONS) is amended by the addition of the following: We waive any right of recovery we may have against the person or organization where required by written contract because of payments we make for injury or damage arising out of your ongoing operations or"your work" done under a contract with that person or organization and included in the "products-completed operations hazard". This waiver applies only to the person or organization where required by written contract. Notice Of Cancellation For any statutorily permitted reason other than non-payment of premium, the number of days required for notice of cancellation, as provided in paragraph 2. of either the CANCELLATION Common Policy Condition or as amended by an applicable state cancellation endorsement, is increased to 30 Days. AUTHORIZED REPRESENTATIVE *From Hanover Forms: 391-1003(08116);391-1445 (08116);391-1586(08116),391-1003(08116) No coverage is provided by this Notice, nor can it be construed to replace any provisions of the policy(including its endorsements). If there is any conflict between this Notice and the policy(including the endorsements),the provisions of the policy(including its endorsements)shall prevail. 85813592 125-26 WC-PL, 24-25 GL-AL-UL I Sherry Young 16/17/2025 12:33:12 PM (PDT) I Page 3 of 8 POLICY NO. : AW3H038914 EC&AM Associates, Inc., DBA:GK&Associates THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED - PRIMARY AND NON-CONTRIBUTORY This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM A. The following is added to SECTION II — LIABILITY COVERAGE, Paragraph A.1. Who Is If you agree in a written contract, written An Insured: agreement or written permit that the insurance Additional Insured if Required by Contract provided to a person or organization who qualifies If you agree in a written contract, written as an additional "insured" under SECTION II — agreement or written permit that a person or LIABILITY COVERAGE, Paragraph A.1. Who Is organization be added as an additional "insured" An Insured, subparagraph Additional Insured if under this Coverage Part, such person or Required by Contract is primary and non- organization is an "insured"; but only to the extent contributory, the following applies: that such person or organization qualifies as an The liability coverage provided by this Coverage "insured" under paragraph A.1.c. of this Section. Part is primary to any other insurance available to If you agree in a written contract, written the additional "insured" as a Named Insured. We agreement or written permit that a person or will not seek contribution from any other insurance organization be added as an additional "insured" available to the additional "insured" except: under this Coverage Part, the most we will pay on (1) For the sole negligence of the additional behalf of such additional "insured" is the lesser of: "insured"; or (1) The Limits of Insurance for liability coverage (2) For negligence arising out of the ownership, specified in the written contract, written maintenance or use of any "auto" not owned agreement or written permit; or by the additional "insured" or by you, unless (2) The Limits of Insurance for Liability Coverage that "auto" is a "trailer" connected to an "auto" shown in the Declarations applicable to this owned by the additional "insured" or by you; or Coverage Part. (3) When the additional "insured" is also an Such amount shall be part of and not in addition to additional "insured" under another liability the Limits of Insurance shown in the Declarations policy. applicable to this Coverage Part. Regardless of C. This endorsement will apply only if the "accident" the number of covered "autos", "insureds", occurs: premiums paid, claims made or vehicles involved 1. During the policy period; in the "accident", the most we will pay for the total of all damages and "covered pollution cost or 2. Subsequent to the execution of the written expense" combined resulting from any one contract or written agreement or the issuance "accident" is the Limit of Insurance for Liability of the written permit; and Coverage shown in the Declarations. 3. Prior to the expiration of the period of time that B. The following is added to SECTION IV — the written contract, written agreement or BUSINESS AUTO CONDITIONS, Paragraph B. written permit requires such insurance to be General Conditions, subparagraph 5. Other provided to the additional "insured". Insurance: D. Coverage provided to an additional "insured" will Primary and Non-Contributory not be broader than coverage provided to any other"insured" under this Coverage Part. ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. Page 1 of 1 461-0478 12 12 Includes copyrighted material of ISO Insurance Services Office, Inc.,with its permission 85813592 25-26 WC-PL, 24-25 GL-AL-UL I Sherry Young 16/17/2025 12:33:12 PM (PDT) I Page 4 of 8 Insured: EC &AM Associates, Inc., DBA: GK &Associates Policy No.: AW3H038914 14. AUTO LOAN PHYSICAL DAMAGE imposed under a lease for excessive use, EXTENSION abnormal wear and tear or high mileage; security deposits not refunded by the lessor; The following is added to SECTION III - cost for extended warranties, Credit Life PHYSICAL DAMAGE COVERAGE, C. Insurance, Health,Accident or Disability Limit Of Insurance provision: Insurance purchased with the loan; and carry over balances from previous leases. When a "loss" results in a total loss to a covered auto you own for which a Loss This coverage applies only to the initial Payee is designated in this policy, the most lease for the covered "auto"which has not we will pay for"loss" in any one"accident" is previously been leased. This coverage is the greater of: excess over all other collectible insurance. 1. The actual cash value of the SECTION IV-CONDITIONS damaged or stolen property as of the time of the"loss"; or 16. DUTIES IN THE EVENT OF ACCIDENT,CLAIM, SUIT OR LOSS 2. The outstanding balance of the initial loan, less any amounts for The following is added to SECTION IV- taxes, overdue payments, overdue BUSINESS AUTO CONDITIONS,A. Loss payment charges, penalties, Conditions,2. Duties In The Event Of interest , any charges for early Accident,Claim, Suit Or Loss: termination of the loan, costs for Credit Life Insurance, Health, d. Knowledge of any"accident", Accident or Disability Insurance claim, "suit"or"loss"will be purchased with the loan, and deemed knowledge by you when carry-over balances from previous notice of such "accident", loans. claim, "suit"or"loss" has been received by: 15. AUTO LEASE PHYSICAL DAMAGE EXTENSION (1) You, if you are an individual; (2) Any partner or insurance The following is added to SECTION III - manager if you are a PHYSICAL DAMAGE COVERAGE, C. partnership; or Limit Of Insurance provision: (3) An executive officer or insurance manager if you are If, because of damage, destruction or theft of a corporation. a covered "auto", which is a long-term leased "auto", the lease agreement between 17. BLANKET WAIVER OF you and the lessor is terminated, "we"will SUBROGATION pay the difference between the amount paid under paragraph C. LIMIT OF INSURANCE Paragraph 5. Transfer Of Rights Of 1. or 2. and the amount due at the time of Recovery Against Others To Us, "loss" under the terms of the lease SECTION IV - BUSINESS AUTO agreement applicable to the leased "auto" CONDITIONS,A. Loss Conditions is which you are required to pay: less any fees replaced by the following: to dispose of the auto; any overdue payments;financial penalties Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) 85813592 25-26 WC-PL, 24-25 GL-AL-UL I Sherry Young 16/17/2025 12:33:12 PM (PDT) I Page 5 of 8 Insured: EC & AM Associates, Inc., DBA: GK &Associates Policy No.: AW3H038914 5. Transfer Of Rights Of Recovery 19. HIRED AUTO -WORLDWIDE Against Others To Us COVERAGE If any person or organization to or The following is added to SECTION IV- for whom we make payment under Business Auto Conditions, B. General this Coverage Form has rights to Conditions,paragraph 7. Policy Period, recover damages from another, Coverage Territory provision: which have not been waived through the execution of an "insured e. Outside the coverage territory contract", written agreement, or described in a., b., c., and d. permit, prior to the "accident"or above for an "accident"or"loss" "loss" giving rise to the payment, resulting from the use of a those rights to recover damages covered "auto"you hire, without a from another are transferred to us. driver, or your employee hires That person or organization must do without a driver, at your direction, everything necessary to secure our for the purpose of conducting your rights and must do nothing after the business,for a period of 30 days "accident"or"loss" to impair them. or less, provided the suit is brought within The United States 18. UNINTENTIONAL FAILURE TO of America or its territories or DISCLOSE INFORMATION possessions. The following is added to SECTION IV SECTION V-DEFINITIONS BUSINESS AUTO CONDITIONS.B. General Conditions, paragraph 2. 20. MENTAL ANGUISH Concealment,Misrepresentation Or Fraud: Paragraph C. "Bodily injury", SECTION V- DEFINITIONS is replaced by the following: Your unintentional error in disclosing, or failure to disclose, any material fact C. "Bodily injury" means bodily injury, existing after the effective date of this sickness or disease sustained by a Coverage Form shall not prejudice your person including death or mental rights under this Coverage Form. anguish resulting from any of these. However, this provision does not affect our right to collect additional premium or exercise our right of cancellation or nonrenewal. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) 85813592 25-26 WC-PL, 24-25 GL-AL-UL I Sherry Young 16/17/2025 12:33:12 PM (PDT) I Page 6 of 8 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number: 72 WEG AYOKW2 Endorsement Number: Effective Date: 07/09/25 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address: EC &AM ASSOCIATES, INC 2896 VISTA CT DIAMOND BAR CA 91765 We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be 2 % of the California workers' compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description Any person or organization for whom you are required by written contract or agreement to obtain this waiver of rights from us Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date: 05/29/25 Policy Expiration Date: 07/09/26 85813592 125-26 WC-PL, 24-25 GL-AL-UL I Sherry Young 16/17/2025 12:33:12 PM (PDT) I Page 7 of 8 POLICY NO. :DPP4203925 D. Notice to the Company as required in this Section IX. shall be: (1) Emailed to: PLDCIaimsC&claia.com; or (2) Mailed to: Great American Insurance Group Professonai Liability Division PO Box 1178 Cincinnati OH 45201; or (3) Faxed to: 855-806-8402 Section X. General Conditions A. Assistance and Cooperation (1)The Insured will cooperate with the Company in the defense, investigation and settlement of any Claim. Upon the Company's request, the Insured will attend hearings, depositions and trials and assist in effecting settlements, securing and giving evidence, obtaining the attendance of witnesses and in the conduct of suits and proceedings in connection with a Claim. (2)The Insured will assist in the enforcement of any right of contribution or indemnity against any person or organization who or which may be liable to any Insured in connection with a Claim. (3)The Insured will not,except at the Insured's own cost. voluntarily make any payment of Claims Expenses or Damages; assume or admit any liability or incur any Claims Expenses or other expense without the prior written consent of the Company. B. Action Against the Company (1) No action may be brought against the Company unless, as a condition precedent thereto: (a) the Insured has fully complied with all the terms of this Policy;and (b) until the amount of the Insured's obuigation to pay has been finally determined either by judgment against the Insured after actual trial and appeal or by written agreement of the Insured, the claimant and the Company. (2) Nothing contained in this Policy will give any person or organization the right to join the Company as a defendant or co-defendant or other party in any action against the Insured to determine the Insured's liability, C. Bankruptcy Bankruptcy or insolvency of the Insured or of the Insured's estate will not relieve the Company of any of its ob' gations hereunder. D. Other Insurance The insurance provided for in this Policy, including any supplementary payments shall be excess over, and shall not contribute with, any other valid and collectible insurance, whether such insurance is stated to be primary, contributory, excess, umbrella, contingent or otherwise. This does not apply to insurance that is purchased by the Named Insured specifically to apply in excess of this insurance. This Policy will not be subject to the terms of any other insurance. E. Subrogation If any Insured has rights to recover amounts from another, those rights are transferred to the Company to the extent of the Company's payment. The Insured must do everything necessary to secure these rights and must not do anything after a Claim is made to jeopardize them. The Company hereby waives subrogation rights against the Insured's cl ent to the extent that the Insured had a written agreement to waive such rights prior to a Potential Claim or Claim. 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HFOFSBM!MJBCJMJUZ!DPOEJUJPOT*!jt!bnfoefe!cz!uif!beejujpo!pg!uif!gpmmpxjoh;! Xf!xbjwf!boz!sjhiu!pg!sfdpwfsz!xf!nbz!ibwf!bhbjotu!uif!qfstpo!ps!pshboj{bujpo!where required by written contract cfdbvtf!pg! qbznfout!xf!nblf!gps!jokvsz!ps!ebnbhf!bsjtjoh!pvu!pg!zpvs!pohpjoh!pqfsbujpot!ps!”zpvs!xpsl•!epof!voefs!b!dpousbdu!xjui!uibu! qfstpo!ps!pshboj{bujpo!boe!jodmvefe!jo!uif!”qspevdut.dpnqmfufe!pqfsbujpot!ib{bse•/Uijt!xbjwfs!bqqmjft!pomz!up!uif!qfstpo!ps! pshboj{bujpo!where required by written contract. Opujdf!Pg!Dbodfmmbujpo! Gps!boz!tubuvupsjmz!qfsnjuufe!sfbtpo!puifs!uibo!opo.qbznfou!pg!qsfnjvn-!uif!ovncfs!pg!ebzt!sfrvjsfe!gps!opujdf!pg!dbodfmmbujpo- bt!qspwjefe!jo!qbsbhsbqi!3/!pg!fjuifs!uif!DBODFMMBUJPO!Dpnnpo!Qpmjdz!Dpoejujpo!ps!bt!bnfoefe!cz!bo!bqqmjdbcmf! tubufdbodfmmbujpo!foepstfnfou-!jt!jodsfbtfe!up!0 Days/ BVUIPSJ\[FE!SFQSFTFOUBUJWF +From Hanover Forms: 391-1003 (08/16); 391-1445 (08/16); 391-1586 (08/16), 391-1003 (08/16) Op!dpwfsbhf!jt!qspwjefe!cz!uijt!Opujdf-!ops!dbo!ju!cf!dpotusvfe!up!sfqmbdf!boz!qspwjtjpot!pg!!uif!qpmjdz!)jodmvejoh!jut!foepstfnfout*/!!Jg!uifsf!jt!boz!dpogmjdu cfuxffo!uijt!Opujdf!boe!uif!qpmjdz!)jodmvejoh!uif!foepstfnfout*-!uif!qspwjtjpot!pg!uif!qpmjdz!)jodmvejoh!jut!foepstfnfout*!tibmm!qsfwbjm/ 97989853!}!36.37!HM.BM.VM.XD.QM!}!Tifssz!Zpvoh!}!903903136!6;63;68!BN!)QEU*!}!Qbhf!4!pg!22 CB1511111:6191 FD!'!BN!Bttpdjbuft-!Jod/-!ECB;!HL!'!Bttpdjbuft CBCBJ12$Jotvsfe$Hfpshf!Mff!Hfpshf!Mff!Hfpshf!Mff!Hfpshf!Mff!Hfpshf!Mff!Hfpshf!Mff!Hfpshf!Mff!Hfpshf!Mff UIJT!FOEPSTFNFOU!DIBOHFT!UIF!QPMJDZ/QMFBTF!SFBE!JU!DBSFGVMMZ/ CMBOLFU!BEEJUJPOBM!JOTVSFE Uijt!foepstfnfou!npejgjft!jotvsbodf!qspwjefe!voefs!uif!gpmmpxjoh; CVTJOFTT!BVUP!DPWFSBHF!GPSN NPUPS!DBSSJFS!DPWFSBHF!GPSN USVDLFST!DPWFSBHF!GPSN Xjui!sftqfdu!up!dpwfsbhf!qspwjefe!cz!uijt!foepstfnfou-!uif!qspwjtjpot!pg!uif!Dpwfsbhf!Gpsn!bqqmz!vomftt npejgjfe!cz!uif!foepstfnfou/ Uif!gpmmpxjoh!jt!beefe!up!uif Tfdujpo!JJ!.!Mjbcjmjuz!Dpwfsbhf-!Qbsbhsbqi B/2/!Xip!Jt!Bo!Jotvsfe!Qspwjtjpo; Boz!qfstpo!ps!pshboj{bujpo!uibu!zpv!bsf!sfrvjsfe!up!jodmvef!bt!beejujpobm!jotvsfe!po!uif!Dpwfsbhf!Gpsn!jo!b xsjuufo!dpousbdu!ps!bhsffnfou!uibu!jt!tjhofe!boe!fyfdvufe!cz!zpv!cfgpsf!uif!#cpejmz!jokvsz#!ps!#qspqfsuz!ebnbhf# pddvst!boe!uibu!jt!jo!fggfdu!evsjoh!uif!qpmjdz!qfsjpe!jt!bo!#jotvsfe#!gps!Mjbcjmjuz!Dpwfsbhf-!cvu!pomz!gps!ebnbhft!up xijdi!uijt!jotvsbodf!bqqmjft!boe!pomz!up!uif!fyufou!uibu!qfstpo!ps!pshboj{bujpo!rvbmjgjft!bt!bo!#jotvsfe#!voefs!uif Xip!Jt!Bo!Jotvsfe!qspwjtjpo!dpoubjofe!jo!Tfdujpo!JJ/ NDB31591822 97989853!}!36.37!HM.BM.VM.XD.QM!}!Tifssz!Zpvoh!}!903903136!6;63;68!BN!)QEU*!}!Qbhf!5!pg!22 CB1511111:6191 FD!'!BN!Bttpdjbuft-!Jod/-!ECB;!HL!'!Bttpdjbuft THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Mercury Business Auto Broadening Endorsement This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM I.!NEWLY ACQUIRED OR FORMED ENTITY (BROAD FORM NAMED INSURED) II.!EMPLOYEES AS INSUREDS III.!SUPPLEMENTARY PAYMENTS IV.!ADDITIONAL TRANSPORTATION EXPENSE V.!ACCIDENTAL AIRBAG DEPLOYMENT COVERAGE VI.!GLASS REPAIR DEDUCTIBLE WAIVER VII.!TWO OR MORE DEDUCTIBLES VIII.!AMENDED DUTIES IN EVENT OF ACCIDENT, CLAIM, SUIT OR LOSS IX.!UNINTENTIONAL ERROR, OMISSION, OR FAILURE TO DISCLOSE HAZARDS X.!PRIMARY AND NONCONTRIBUTORY IF REQUIRED BY CONTRACTPRIMARY AND NONCONTRIBUTORY IF REQUIRED BY CONTRACT XI.!BODILY INJURY REDEFINED TO INCLUDE RESULTANT MENTAL ANGUISH XII.!PERSONAL EFFECTS COVERAGE XIII.!LOSS OF USE EXPENSES XIV.!DEVICES DESIGNED FOR USE WITH AUDIO, VISUAL OR DATA ELECTRONIC EQUIPMENT XV.!PHYSICAL DAMAGE DEDUCTIBLE VEHICLE TRACKING SYSTEM XVI.!CHAINS, TARPS, AND BINDERS COVERAGE Copyright 2023Mercury Insurance Services, LLC. All rights reserved. MCA CABE 08 23 Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 1 of 4 97989853!}!36.37!HM.BM.VM.XD.QM!}!Tifssz!Zpvoh!}!903903136!6;63;68!BN!)QEU*!}!Qbhf!6!pg!22 BUSINESS AUTO COVERAGE FORM I. NEWLY ACQUIRED OR FORMED ENTITY (Broad Form Named Insured) SECTION II COVERED AUTOS LIABILITY COVERAGE, A. Coverage, 1. Who Is An Insured, the following is added: Any business entity newly acquired or formed by you during the policy period provided you own 50% or more of the business entity and the business entity is not separately insured for Business Auto Coverage. Coverage is extended up to a maximum of 180 days following acquisition or formation of the business entity. Coverage under this provision is afforded only until the end of the policy period. the organization. II. EMPLOYEES AS INSUREDS SECTION II COVERED AUTOS LIABILITY COVERAGE, A. COVERAGE, 1. Who Is An Insured, the following is added: Any insured while using a covered auto lease, hire, rent, or borrow, which is used in connection with your business. III. SUPPLEMENTARY PAYMENTS SECTION II COVERED AUTOS LIABILITY COVERAGE, A. Coverage, 3. Coverage Extensions, a. Supplementary Payments, Subparagraphs (2) and (4) are replaced by the following: (2) Up to $3,000 for cost of bail bonds (including bonds for related traffic law violations) required because of an "accident" we cover. We are not obligated to furnish these bonds. (4) All reasonable expenses incurred by the "insured" at our request, including actual loss of earnings up to $500 a day because of time off from work. IV. ADDITIONAL TRANSPORTATION EXPENSE SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 2. Coverage Extensions, a. Transportation Expenses, is amended by: Replacing $20 per day with $50 per day, and the $600 maximum with $1,000 maximum. If your business shown in the Declarations is other than an auto dealership, we will also pay up to $1,000 for reasonable and necessary costs incurred by you to return a stolen covered auto from the place where it is recovered to its usual garaging location. V. ACCIDENTAL AIRBAG DEPLOYMENT COVERAGE SECTION III - PHYSICAL DAMAGE COVERAGE, B. Exclusions, 3.a., is amended to add the following: This exclusion does not apply to the accidental discharge of an airbag. VI. GLASS REPAIR DEDUCTIBLE WAIVER SECTION III - PHYSICAL DAMAGE COVERAGE, D. Deductible, the following is added: No deductible applies to glass damage if the glass is repaired rather than replaced. Copyright 2023 Mercury Insurance Services, LLC. All rights reserved. MCA CABE 08 23 Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 2 of 4 97989853!}!36.37!HM.BM.VM.XD.QM!}!Tifssz!Zpvoh!}!903903136!6;63;68!BN!)QEU*!}!Qbhf!7!pg!22 VII. TWO OR MORE DEDUCTIBLES SECTION III -PHYSICAL DAMAGE COVERAGE, D. Deductible, the following is added: If two or more "company" policies or coverage forms apply to the same accident: 1. If the applicable Business Auto deductible is the smallest, it will be waived; or 2. If the applicable Business Auto deductible is not the smallest, it will be reduced by the amount of the smallest deductible; or 3. If the loss involves two or more Business Auto coverage forms or policies the smallest deductible will be waived. For the purpose of this endorsement "company means the company providing this insurance and any of the affiliated members of the Mercury Insurance Group of companies. VIII. AMENDED DUTIES IN EVENT OF ACCIDENT, CLAIM, SUIT OR LOSS The requirement in SECTION IV, BUSINESS AUTO CONDITIONS, A. Loss Conditions, 2. Duties In The Event Of Accident, Claim, Suit, Or Loss, a., In the event of "accident", you must notify us of an "accident" applies only when the "accident" is known to: (1) You, if you are an individual; (2) A partner, if you are a partnership; (3) A member, if you are a limited liability company; or (4) An executive officer or insurance manager, if you are a corporation. IX. UNINTENTIONAL ERROR, OMISSION, OR FAILURE TO DISCLOSE HAZARDS SECTION IV - BUSINESS AUTO CONDITIONS, B. General Conditions, 2. Concealment, Misrepresentation, or Fraud, the following is added: Any unintentional omission of or error in information given by you, or unintentional failure to disclose all exposures or hazards existing as of the effective date or at any time during the policy period shall not invalidate or adversely affect the coverage for such exposure or hazard or prejudice your rights under this insurance. However, you must report the undisclosed exposure or hazard to us as soon as reasonably possible after its discovery. This provision does not affect our right to collect additional premium or exercise our right of cancellation or non-renewal. X. PRIMARY AND NONCONTRIBUTORY IF REQUIRED BY CONTRACTPRIMARY AND NONCONTRIBUTORY IF REQUIRED BY CONTRACT SECTION IV BUSINESS AUTO CONDITIONS, B. General Conditions, 5. Other Insurance, the following is added and supersedes any provision to the contrary: This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1) The additional insured is a Named Insured under such other insurance; and (2) You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured. XI. BODILY INJURY REDEFINED TO INCLUDE RESULTANT MENTAL ANGUISH SECTION V DEFINITIONS, D. " "Bodily injury" also includes mental anguish but only when the mental anguish arises from other bodily injury, sickness, or disease. Copyright 2023Mercury Insurance Services, LLC. All rights reserved. MCA CABE 08 23 Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 3 of 4 97989853!}!36.37!HM.BM.VM.XD.QM!}!Tifssz!Zpvoh!}!903903136!6;63;68!BN!)QEU*!}!Qbhf!8!pg!22 XII. PERSONAL EFFECTS COVERAGE SECTION III PHYSICAL DAMAGE COVERAGE, A. Coverage, 2. Coverage Extensions, the following is added: Personal Effects (1)! (2)! This coverage applies deductible applies to the coverage. Tapes, records, discs or other similar devices used with audio, visual or data electronic equipment are not considered personal effects. XIII. LOSS OF USE EXPENSES If you pay the premium for Hired Auto Physical Damage, we will pay expenses for which you by Hired Auto Physical Damage. However, the most we will pay for any expenses for loss of use is $20 per day, to a maximum of $600. The insurance provided by this provision is excess over any other collectible insurance. XIV. DEVICES DESIGNED FOR USE WITH AUDIO, VISUAL OR DATA ELECTRONIC EQUIPMENT SECTION III PHYSICAL DAMAGE COVERAGE, B. Exclusions, 4.a., is replaced by the following: a.! discs or other similar audio, visual, data electronic devices designed for use with audio, visual or data electronic equipment. We will pay only if the tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment: (1) (2) Thi additional deductible applies to this coverage. XV. PHYSICAL DAMAGE DEDUCTIBLE VEHICLE TRACKING SYSTEM SECTION III PHYSICAL DAMAGE COVERAGE, D. Deductible, is amended by adding the following: as a radio tracking device or a global position device and that device was the method of XVI. CHAINS, TARPS, AND BINDERS COVERAGE SECTION III PHYSICAL DAMAGE COVERAGE, C. Limits Of Insurance, the following is added: The most we will pay for the "loss" to chains, tarpaulins, binders, and cargo securing devices will be $500. The chains, tarpaulins, binders, or cargo securing devices must be in or on the "covered auto" at the time of "loss". Copyright 2023 Mercury Insurance Services, LLC. All rights reserved. MCA CABE 08 23 Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 4 of 4 97989853!}!36.37!HM.BM.VM.XD.QM!}!Tifssz!Zpvoh!}!903903136!6;63;68!BN!)QEU*!}!Qbhf!9!pg!22 CB1511111:6191 FD!'!BN!Bttpdjbuft-!Jod/-!ECB;!HL!'!Bttpdjbuft UIJTFOEPSTFNFOU!DIBOHFT!UIFQPMJDZ/QMFBTF!SFBEJUDBSFGVMMZ/ CMBOLFUXBJWFSPGTVCSPHBUJPO Uijtfoepstfnfounpejgjft!jotvsbodfqspwjefevoefsuifgpmmpxjoh; CVTJOFTTBVUPDPWFSBHF!GPSN Xjuisftqfduup!dpwfsbhfqspwjefe!czuijtfoepstfnfou-uifqspwjtjpotpguif!Dpwfsbhf!Gpsn bqqmzvomftt!npejgjfe!czuiffoepstfnfou/ TFDUJPOJW—CVTJOFTTTBVUPDPOEJUJPOT-B/!MpttDpoejujpot-!6/UsbotgfspgSjhiutPg SfdpwfszBhbjotu!PuifstUp!Vt-uifgpmmpxjohjtbeefe; Xfxbjwf!bozsjhiupgsfdpwfszxfnbzibwf!bhbjotubozqfstpopspshboj{bujpoupuif!fyufou sfrvjsfepgzpv!czbxsjuufo!dpousbdufyfdvufe!qsjpsup!boz”bddjefou•!ps”mptt•-!qspwjefeuibuuif! ”bddjefou•!ps”mptt•bsjtftpvupguifpqfsbujpotdpoufnqmbufecztvdidpousbdu/Uifxbjwfs! bqqmjft!pomzupuifqfstpo!ps!pshboj{bujpo!eftjhobufejo!tvdi!dpousbdu/ NDB15551:24 97989853!}!36.37!HM.BM.VM.XD.QM!}!Tifssz!Zpvoh!}!903903136!6;63;68!BN!)QEU*!}!Qbhf!:!pg!22 THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. WAIVER OF OURRIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number:72WEGAY0KW2 Endorsement Number: Effective Date:07/09/25Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:EC & AM ASSOCIATES, INC 2896 VISTA CT DIAMOND BARCA91765 Wehavetherighttorecoverourpaymentsfromanyoneliableforaninjurycoveredbythispolicy.Wewillnotenforceour rightagainstthepersonororganizationnamedintheSchedule.(Thisagreementappliesonlytotheextentthatyou perform work under a written contract that requires you to obtain this agreement from us.) Youmustmaintainpayrollrecordsaccuratelysegregatingtheremunerationofyouremployeeswhileengagedinthework described in the Schedule. Theadditionalpremiumforthisendorsementshallbe2%oftheCaliforniaworkers'compensationpremiumotherwisedue on such remuneration. SCHEDULE Person or OrganizationJob Description Any person or organization for whom you are required by written contract or agreement to obtain this waiver of rights from us Countersigned by Authorized Representative Form WC 04 03 06(1) Printed in U.S.A. Process Date:05/29/25 Policy Expiration Date:07/09/26 97989853!}!36.37!HM.BM.VM.XD.QM!}!Tifssz!Zpvoh!}!903903136!6;63;68!BN!)QEU*!}!Qbhf!21!pg!22 QPMJDZOP/; EQQ5314:36 97989853!}!36.37!HM.BM.VM.XD.QM!}!Tifssz!Zpvoh!}!903903136!6;63;68!BN!)QEU*!}!Qbhf!22!pg!22 75/4/2026 E(MM/DDYYY) A�" CERTIFICATE OF LIABILITY INSURANCE /Y 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 Risk Strategies Company PHONE NAMESherr Young FAX 2040 Main Street, Suite 450 A/c No Ext: 949-242-9237 A/c No): E-MIrvine, CA 92614 ADDRESS: Sherry.Young@bbrown.com INSURER(S)AFFORDING COVERAGE NAIC# www.risk-strategies.com CA DOI License No.OF06675 INSURERA: Citizens Insurance Company of America 31534 INSURED INSURERB: California Automobile Insurance Company 38342 EC &AM Associates, Inc., DBA: GK&Associates INSURERC: Hartford Casualty Insurance Company 29424 2896 Vista Ct. Diamond Bar CA 91765 INSURERD: Great American Insurance Company 16691 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: 90431507 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR INSD WVD POLICYNUMBER MM/DD MM/DD A / COMMERCIAL GENERAL LIABILITY ✓ 0631­1038906 9/1/2025 9/1/2026 EACH OCCURRENCE $2,000,000 AMAIE To RENTED CLAIMS-MADE EVI OCCUR PREM SES(E.occurrence) ccurrrence) $1,000,000 MED EXP(Any one person) $10,000 PERSONAL&ADV INJURY $2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERALAGGREGATE $4,000,000 POLICY ✓� ECT LOC PRODUCTS-COMP/OPAGG $4,000,000 1� PRO- OTHER: $ B AUTOMOBILE LIABILITY ✓ ✓ BA040000095080 9/1/2025 9/1/2026 EOa acccideDtSINGLE LIMIT $1,000,000 ✓ ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ ✓ AUTOS ONLY ✓ AUTOS ONLY Per accident A / UMBRELLA LAB / OCCUR 0631­1038906 9/1/2025 9/1/2026 EACH OCCURRENCE $1,000,000 EXCESS LAB CLAIMS-MADE AGGREGATE $1,000,000 DED ✓ RETENTION$0 $ C WORKERS COMPENSATION ✓ 72WEGAYOKW2 7/9/2025 7/9/2026 �/ SPER TATUTE OERH AND EMPLOYERS'LIABILITY Y/N ANYPROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $1,000,000 OFFICER/MEMBER EXCLUDED? ❑ N/A (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $1,000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $1,000,000 D Professional Liability ✓ DPP4203925 5/4/2026 5/4/2027 Per Claim:$1,000,000 Aggregate:$2,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,maybe attached if more space is required) Projects as on file with the insured. City of Santa Ana, its officers,employees,agents,and representatives are additional insureds with respect to General Liability and Automobile Liability policies per the attached endorsement or as required by written contract.Insurance is Primary and Non-Contributory. Waiver of Subrogation applies to the Automobile,Workers Compensation and Professional Liability.. 30 Day's Notice of Cancellation with 10 Days'Notice for Non-Payment of Premium in accordance with the policy provisions. APPROVED CERTIFICATE HOLDER CANCELLATION By Tu Tran Nguyen W 2:49 pm,May 04, _ SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Santa Ana THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Attention: Emily Ho ACCORDANCE WITH THE POLICY PROVISIONS. Public Works Agency—Administrative Services Div. 20 Civic Center Plaza, 4th Floor Ross Annex M-21 AUTHORIZED REPRESENTATIVE Santa Ana CA 92702 RSC Insurance Brokerage ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016103) The ACORD name and logo are registered marks of ACORD 90431507 126-27 PL, 25-26 GL-AL-UL-WC I Sherry Young 15/4/2026 7:52:09 AM (PDT) I Page 1 of 11 Architects and Engineers The following policy language is from Businessowners General Liability Coverage Part NAMED INSURED: EC &AM Associates,Inc.,DBA: GK&Assoll lPWCY NUMBER: 01331­1038906 The following are mandatory forms on the policy identified on the Certificate of Insurance: 391-1586 (08-16) BUSINESSOWNERS GENERAL LIABILITY SUPPLEMENTARY ENDORSEMENT Additional Insured by Contract, Agreement or Permit A. Section II — Liability, C—Who is an insured is amended to include as an additional insured any person or organization with whom you agreed in a written contract,written agreement or permit but only respect to liability for"bodily injury", "property damage" or"personal and advertising injury" caused, in whole or in part, by your acts or omissions; or the acts or omissions of those acting on your behalf, but only with respect to: (i) "Your work"for the additional insured(s)designated in the contract, agreement or permit including "bodily injury" or"property damage" included in the"products-completed operations hazard"only if this Coverage Part provides such coverage; (ii) Premises you own, rent, lease, or occupy; or (iii) Your maintenance, operation or use of equipment leased to you. *Definition: "Your work" a. Means: (1)Work or operations performed by you or on behalf; and (2) materials, parts or equipment furnished in connection with such work or operations; b. Includes (1)warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of"your work"; and (2)the providing of or failure to provide warnings or instructions. This provision does not apply: (1) Unless the written contract or written agreement has been executed or permit has been issued prior to the "bodily Injury", "property damage", "personal injury" or"advertising injury". (2)To any person or organization Included as an Insured by an endorsement Issued by us and made part of this Coverage Part. (3) To any lessor of equipment (a) After the equipment lease expires; or (b) If the "bodily Injury", "property damage", "personal injury" or"advertising Injury" arises out of sole negligence of the lessor. (4)To any: (a) Owners or other Interests from whom land has been leased which takes place after the lease for the land expires; or (b) Managers or lessors of premises if: (i) The occurrence takes place after you cease to be a tenant in that premises; or (ii) The "bodily injury", "property damage", "personal injury" or "advertising injury" arises out of structural alterations, new construction or demolition operations performed by or on behalf of the manager or lessor. (5) To "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or failure to render any professional services. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage" or the offense which caused the "personal and advertising injury" involved the rendering of or failure to render any professional services by or for you. Other Insurance Primary & Non-Contributory The following paragraph is added to SECTION III—COMMON POLICY CONDITIONS, H—Other Insurance:Additional Insured — Primary and Non-Contributory. If you agree in a written contract, written agreement or permit that the insurance provided to any person or organization included as an Additional Insured under SECTION II—Liability, C.Who is an Insured is primary and non-contributory, the following applies: If other valid and collectible insurance is available to the Additional Insured for a loss covered under SECTION II— LIABILITY of this Coverage Part, our obligations are limited as follows: (1) Primary Insurance: This insurance is primary to other insurance that is available to the Additional Insured which covers the Additional Insured as a Named Insured. We will not seek contribution from any other insurance available to the Additional Insured except: (a) For the sole negligence of the Additional Insured; (b) When the Additional Insured is an Additional Insured under another primary liability policy; or (c) When b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. (2) Excess Insurance: (a) This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis: (i) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for"your work"; (ii) That is Fire insurance for premises rented to the Additional Insured or temporarily occupied by the Additional Insured with permission of the owner; No coverage is provided by this Notice, nor can it be construed to replace any provisions of the policy(including its endorsements). If there is any conflict between this Notice and the policy(including the endorsements),the provisions of the policy(including its endorsements)shall prevail. 90431507 126-27 PL, 25-26 GL-AL-UL-WC I Sherry Young 15/4/2026 7:52:09 AM (PDT) I Page 2 of 11 (iii) That is insurance purchased by the Additional Insured to cover the Additional Insured's liability as a tenant for "property damage"to premises rented to the Additional Insured or temporarily occupied by the Additional with permission of the owner; or (iv) If the loss arises out of the maintenance or use of aircraft, "autos"or watercraft to the extent not subject to Exclusion g. of SECTION II - LIABILITY. B. Exclusions, 1.Applicable to Business Liability Coverage. (v) That is insurance available to you for your participation in any past or present"unnamed joint venture". (vi) That is any insurance you may have that provides coverage for your professional services. (b)When this insurance is excess, we will have no duty to defend the insured against any"suit" if any other insurer has a duty to defend the insured against that"suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. (c) When this insurance is excess over other Insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (i)The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (ii) The total of all deductible and self-insured amounts under all that other insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage part. (3) Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach, each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. Per Project Aggregate The following changes are made to SECTION II - LIABILITY: 1. The following is added to SECTION II -LIABILITY, D. Liability and Medical Expenses Limits of Insurance, paragraph 4: The Aggregate Limits of Insurance apply separately to each of"your projects"or each "location" listed in the Declarations. 2. For the purpose of coverage provided by this endorsement only, the following is added to SECTION II -LIABILITY, F. Liability and Medical Expenses Definitions: 1. "Your project" means: a.Any premises, site or"location" at, on, or in which "your work" is not yet completed; and b. Does not include any"location" listed in the Declarations. 2. "Location" means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and, b. Separately to each insured against whom claim is made or"suit" is brought. Waiver Of Subrogation The TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Condition(Section IV—COMMERCIAL GENERAL LIABILITY CONDITIONS) is amended by the addition of the following: We waive any right of recovery we may have against the person or organization where required by written contract because of payments we make for injury or damage arising out of your ongoing operations or"your work" done under a contract with that person or organization and included in the "products-completed operations hazard". This waiver applies only to the person or organization where required by written contract. Notice Of Cancellation For any statutorily permitted reason other than non-payment of premium, the number of days required for notice of cancellation, as provided in paragraph 2. of either the CANCELLATION Common Policy Condition or as amended by an applicable state cancellation endorsement, is increased to 30 Days. AUTHORIZED REPRESENTATIVE *From Hanover Forms: 391-1003(08116);391-1445 (08116);391-1586(08116),391-1003(08116) No coverage is provided by this Notice, nor can it be construed to replace any provisions of the policy(including its endorsements). If there is any conflict between this Notice and the policy(including the endorsements),the provisions of the policy(including its endorsements)shall prevail. 90431507 126-27 PL, 25-26 GL-AL-UL-WC I Sherry Young 15/4/2026 7:52:09 AM (PDT) I Page 3 of 11 BA040000095080 EC&AM Associates, Inc., DBA:GK&Associates THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM TRUCKERS COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. The following is added to the Section II - Liability Coverage, Paragraph A.1. Who Is An Insured Provision: Any person or organization that you are required to include as additional insured on the Coverage Form in a written contract or agreement that is signed and executed by you before the "bodily injury" or"property damage" occurs and that is in effect during the policy period is an "insured"for Liability Coverage, but only for damages to which this insurance applies and only to the extent that person or organization qualifies as an "insured" under the Who Is An Insured provision contained in Section II. MCA20480711 90431507 26-27 PL, 25-26 GL-AL-UL-WC I Sherry Young 15/4/2026 7:52:09 AM (PDT) I Page 4 of 11 BA040000095080 EC&AM Associates, Inc., DBA:GK&Associates THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Mercury Business Auto Broadening Endorsement This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM I. NEWLY ACQUIRED OR FORMED ENTITY (BROAD FORM NAMED INSURED) II. EMPLOYEES AS INSUREDS III. SUPPLEMENTARY PAYMENTS IV. ADDITIONAL TRANSPORTATION EXPENSE V. ACCIDENTAL AIRBAG DEPLOYMENT COVERAGE VI. GLASS REPAIR— DEDUCTIBLE WAIVER VII. TWO OR MORE DEDUCTIBLES VIII. AMENDED DUTIES IN EVENT OF ACCIDENT, CLAIM, SUIT OR LOSS IX. UNINTENTIONAL ERROR, OMISSION, OR FAILURE TO DISCLOSE HAZARDS X. PRIMARY AND NONCONTRIBUTORY IF REQUIRED BY CONTRACT XI. BODILY INJURY REDEFINED TO INCLUDE RESULTANT MENTAL ANGUISH XII. PERSONAL EFFECTS COVERAGE XIII. LOSS OF USE EXPENSES XIV. DEVICES DESIGNED FOR USE WITH AUDIO, VISUAL OR DATA ELECTRONIC EQUIPMENT XV. PHYSICAL DAMAGE DEDUCTIBLE—VEHICLE TRACKING SYSTEM XVI. CHAINS, TARPS, AND BINDERS COVERAGE Copyright 2023 Mercury Insurance Services,LLC. All rights reserved. MCA CABE 08 23 Includes copyrighted material of Insurance Services Office,Inc.,with its permission Page 1 of 4 90431507 26-27 PL, 25-26 GL-AL-UL-WC I Sherry Young 15/4/2026 7:52:09 AM (PDT) I Page 5 of 11 BUSINESS AUTO COVERAGE FORM I. NEWLY ACQUIRED OR FORMED ENTITY(Broad Form Named Insured) SECTION II—COVERED AUTOS LIABILITY COVERAGE,A. Coverage, 1. Who Is An Insured, the following is added: Any business entity newly acquired or formed by you during the policy period provided you own 50%or more of the business entity and the business entity is not separately insured for Business Auto Coverage. Coverage is extended up to a maximum of 180 days following acquisition or formation of the business entity. Coverage under this provision is afforded only until the end of the policy period. Coverage does not apply to an "accident" which occurred before you acquired or formed the organization. II. EMPLOYEES AS INSUREDS SECTION II—COVERED AUTOS LIABILITY COVERAGE,A. COVERAGE, 1. Who Is An Insured, the following is added: Any"employee" of yours is an "insured" while using a "covered auto" you do not "own", lease, hire, rent, or borrow, which is used in connection with your business. III. SUPPLEMENTARY PAYMENTS SECTION II—COVERED AUTOS LIABILITY COVERAGE,A. Coverage, 3. Coverage Extensions, a. Supplementary Payments, Subparagraphs (2) and (4) are replaced by the following: (2) Up to $3,000 for cost of bail bonds (including bonds for related traffic law violations) required because of an "accident" we cover. We are not obligated to furnish these bonds. (4) All reasonable expenses incurred by the "insured" at our request, including actual loss of earnings up to $500 a day because of time off from work. IV. ADDITIONAL TRANSPORTATION EXPENSE SECTION III - PHYSICAL DAMAGE COVERAGE,A. Coverage, 2. Coverage Extensions, a. Transportation Expenses, is amended by: Replacing$20 per day with $50 per day, and the $600 maximum with $1,000 maximum. If your business shown in the "Declarations" is other than an auto dealership, we will also pay up to$1,000 for reasonable and necessary costs incurred by you to return a stolen "covered auto" from the place where it is recovered to its usual garaging location. V. ACCIDENTAL AIRBAG DEPLOYMENT COVERAGE SECTION III -PHYSICAL DAMAGE COVERAGE, B. Exclusions, 3.a., is amended to add the following: This exclusion does not apply to the accidental discharge of an airbag. VI. GLASS REPAIR—DEDUCTIBLE WAIVER SECTION III -PHYSICAL DAMAGE COVERAGE, D. Deductible, the following is added: No deductible applies to glass damage if the glass is repaired rather than replaced. Copyright 2023 Mercury Insurance Services,LLC. All rights reserved. MCA CABE 08 23 Includes copyrighted material of Insurance Services Office,Inc.,with its permission Page 2 of 4 90431507 26-27 PL, 25-26 GL-AL-UL-WC I Sherry Young 15/4/2026 7:52:09 AM (PDT) I Page 6 of 11 VII. TWO OR MORE DEDUCTIBLES SECTION III -PHYSICAL DAMAGE COVERAGE, D. Deductible, the following is added: If two or more "company" policies or coverage forms apply to the same accident: 1. If the applicable Business Auto deductible is the smallest, it will be waived; or 2. If the applicable Business Auto deductible is not the smallest, it will be reduced by the amount of the smallest deductible; or 3. If the loss involves two or more Business Auto coverage forms or policies the smallest deductible will be waived. For the purpose of this endorsement "company" means the company providing this insurance and any of the affiliated members of the Mercury Insurance Group of companies. Vill. AMENDED DUTIES IN EVENT OF ACCIDENT, CLAIM,SUIT OR LOSS The requirement in SECTION IV, BUSINESS AUTO CONDITIONS, A. Loss Conditions, 2. Duties In The Event Of Accident, Claim, Suit, Or Loss, a., In the event of"accident", you must notify us of an "accident" applies only when the "accident" is known to: (1) You, if you are an individual; (2) A partner, if you are a partnership; (3) A member, if you are a limited liability company; or (4) An executive officer or insurance manager, if you are a corporation. IX. UNINTENTIONAL ERROR, OMISSION, OR FAILURE TO DISCLOSE HAZARDS SECTION IV- BUSINESS AUTO CONDITIONS, B. General Conditions, 2. Concealment, Misrepresentation, or Fraud, the following is added: Any unintentional omission of or error in information given by you, or unintentional failure to disclose all exposures or hazards existing as of the effective date or at any time during the policy period shall not invalidate or adversely affect the coverage for such exposure or hazard or prejudice your rights under this insurance. However, you must report the undisclosed exposure or hazard to us as soon as reasonably possible after its discovery. This provision does not affect our right to collect additional premium or exercise our right of cancellation or non-renewal. X. PRIMARY AND NONCONTRIBUTORY IF REQUIRED BY CONTRACT SECTION IV—BUSINESS AUTO CONDITIONS, B. General Conditions, S. Other Insurance, the following is added and supersedes any provision to the contrary: This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1) The additional insured is a Named Insured under such other insurance; and (2) You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured. XI. BODILY INJURY REDEFINED TO INCLUDE RESULTANT MENTAL ANGUISH SECTION V—DEFINITIONS, D. "Bodily Injury" is amended by adding the following: "Bodily injury" also includes mental anguish but only when the mental anguish arises from other bodily injury, sickness, or disease. Copyright 2023 Mercury Insurance Services,LLC. All rights reserved. MCA CABE 08 23 Includes copyrighted material of Insurance Services Office,Inc.,with its permission Page 3 of 4 90431507 26-27 PL, 25-26 GL-AL-UL-WC I Sherry Young 15/4/2026 7:52:09 AM (PDT) I Page 7 of 11 XII. PERSONAL EFFECTS COVERAGE SECTION III—PHYSICAL DAMAGE COVERAGE,A. Coverage, 2. Coverage Extensions,the following is added: Personal Effects We will pay up to$500 for"loss"to personal effects which: (1) Are owned by you or a driver listed in the "Declarations"; and (2) Are in or on a "covered auto" at the time of"loss". This coverage applies only in the event of a total theft of a "covered auto". No additional deductible applies to the coverage. Tapes, records, discs or other similar devices used with audio, visual or data electronic equipment are not considered personal effects. XIII. LOSS OF USE EXPENSES If you pay the premium for Hired Auto Physical Damage, we will pay expenses for which you become legally responsible to pay for loss of use of an "auto" due to "loss" or"accident" covered by Hired Auto Physical Damage. However, the most we will pay for any expenses for loss of use is $20 per day, to a maximum of$600.The insurance provided by this provision is excess over any other collectible insurance. XIV. DEVICES DESIGNED FOR USE WITH AUDIO,VISUAL OR DATA ELECTRONIC EQUIPMENT SECTION III—PHYSICAL DAMAGE COVERAGE, B. Exclusions,4.a., is replaced by the following: a. Under Comprehensive Coverage we will pay up to$200 for"loss"to tapes, records, discs or other similar audio, visual, data electronic devices designed for use with audio, visual or data electronic equipment. We will pay only if the tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment: (1) Are your property or that of a driver listed in the "Declarations"; and (2) Are in a "covererd auto" at the time of"loss". This coverage applies only in the event of a total theft of a "covered auto". No additional deductible applies to this coverage. XV. PHYSICAL DAMAGE DEDUCTIBLE—VEHICLE TRACKING SYSTEM SECTION III—PHYSICAL DAMAGE COVERAGE, D. Deductible, is amended by adding the following: Any Comprehensive Deductible shown in the "Declarations" will be reduced by 50%for any "loss" caused by theft if the "covered auto" is equipped with a vehicle tracking device such as a radio tracking device or a global position device and that device was the method of recovery of that "covered auto" by the "insured" or law enforcement. XVI. CHAINS,TARPS,AND BINDERS COVERAGE SECTION III—PHYSICAL DAMAGE COVERAGE,C. Limits Of Insurance,the following is added: The most we will pay for the "loss" to chains,tarpaulins, binders, and cargo securing devices will be $500. The chains,tarpaulins, binders, or cargo securing devices must be in or on the "covered auto" at the time of"loss". Copyright 2023 Mercury Insurance Services,LLC. All rights reserved. MCA CABE 08 23 Includes copyrighted material of Insurance Services Office,Inc.,with its permission Page 4 of 4 90431507 26-27 PL, 25-26 GL-AL-UL-WC I Sherry Young 15/4/2026 7:52:09 AM (PDT) I Page 8 of 11 BA040000095080 EC&AM Associates, Inc., DBA:GK&Associates THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET WAIVER OF SUBROGATION This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. SECTION IV— BUSINESSS AUTO CONDITIONS, A. Loss Conditions, 5. Transfer of Rights Of Recovery Against Others To Us, the following is added: We waive any right of recovery we may have against any person or organization to the extent required of you by a written contract executed prior to any "accident" or "loss", provided that the "accident" or "loss" arises out of the operations contemplated by such contract. The waiver applies only to the person or organization designated in such contract. MCA04440913 90431507 26-27 PL, 25-26 GL-AL-UL-WC I Sherry Young 15/4/2026 7:52:09 AM (PDT) I Page 9 of 11 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number: 72 WEG AYOKW2 Endorsement Number: Effective Date: 07/09/25 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address: EC &AM ASSOCIATES, INC 2896 VISTA CT DIAMOND BAR CA 91765 We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be 2 % of the California workers' compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description Any person or organization for whom you are required by written contract or agreement to obtain this waiver of rights from us Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date: 05/29/25 Policy Expiration Date: 07/09/26 90431507 126-27 PL, 25-26 GL-AL-UL-WC I Sherry Young 15/4/2026 7:52:09 AM (PDT) I Page 10 of 11 POLICY NO. :DPP4203925 D. Notice to the Company as required in this Section IX. shall be: (1) Emailed to: PLDCIaimsC&claia.com; or (2) Mailed to: Great American Insurance Group Professonai Liability Division PO Box 1178 Cincinnati OH 45201; or (3) Faxed to: 855-806-8402 Section X. General Conditions A. Assistance and Cooperation (1)The Insured will cooperate with the Company in the defense, investigation and settlement of any Claim. Upon the Company's request, the Insured will attend hearings, depositions and trials and assist in effecting settlements, securing and giving evidence, obtaining the attendance of witnesses and in the conduct of suits and proceedings in connection with a Claim. (2)The Insured will assist in the enforcement of any right of contribution or indemnity against any person or organization who or which may be liable to any Insured in connection with a Claim. (3)The Insured will not,except at the Insured's own cost. voluntarily make any payment of Claims Expenses or Damages; assume or admit any liability or incur any Claims Expenses or other expense without the prior written consent of the Company. B. Action Against the Company (1) No action may be brought against the Company unless, as a condition precedent thereto: (a) the Insured has fully complied with all the terms of this Policy;and (b) until the amount of the Insured's obuigation to pay has been finally determined either by judgment against the Insured after actual trial and appeal or by written agreement of the Insured, the claimant and the Company. (2) Nothing contained in this Policy will give any person or organization the right to join the Company as a defendant or co-defendant or other party in any action against the Insured to determine the Insured's liability, C. Bankruptcy Bankruptcy or insolvency of the Insured or of the Insured's estate will not relieve the Company of any of its ob' gations hereunder. D. Other Insurance The insurance provided for in this Policy, including any supplementary payments shall be excess over, and shall not contribute with, any other valid and collectible insurance, whether such insurance is stated to be primary, contributory, excess, umbrella, contingent or otherwise. This does not apply to insurance that is purchased by the Named Insured specifically to apply in excess of this insurance. This Policy will not be subject to the terms of any other insurance. E. Subrogation If any Insured has rights to recover amounts from another, those rights are transferred to the Company to the extent of the Company's payment. The Insured must do everything necessary to secure these rights and must not do anything after a Claim is made to jeopardize them. The Company hereby waives subrogation rights against the Insured's cl ent to the extent that the Insured had a written agreement to waive such rights prior to a Potential Claim or Claim. D45100(08115) 10 90431507 1 26-27 PL, 25-26 GL-AL-UL-WC I Sherry Young J 5/4/2026 7:52:09 AM (PDT) I Page 11 of 11