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HomeMy WebLinkAboutADMINSURE, INC. (7) INSURANCE ON FILE WORK MAY PROCEED A-2025-20'1 r1Tv CLFFK i D11F DEC 1075 i I lull z Roan j[qz) PROFESSIONAL SERVICES AGREEMENT I FOR THIRD PARTY GENERAL LIABILITY CLAIMS ADMINISTRATION BETWEEN i f THE CITY OF SANTA ANA AND ADMINSURE,INC. This "Professional Services Agreement Between the City of Santa Ana and Adminsure, Inc. ("Agreement") is made and entered into this 2nd, day of December, 2025, by and between the City of Santa Ana, California, a California Municipal Corporation (the "City") and Adminsure, a California corporation("Consultant). The City and Consultant are sometimes hereinafter referred to individually as a"Party"or collectively as the"Parties". The Parties enter into this Agreement with reference to the following: Recitals A. City needs a qualified third party to whom to delegate the responsibilities and duties of administering the City's self-insured general liability coverage program; B. City desires to engage Consultant to provide Third Party General Liability Claims Administration services; C. Consultant recently participated in a Request for Proposal("RFP")for the same services with the City of Newport Beach and was selected through this RFP process; D. The City's purchasing procedures allow the City to piggyback off a successful RFP process through another government entity for the same services; and E. Consultant possesses the necessary skills, experiences,training, and certifications to provide the professional services set forth in this Agreement. NOW,THEREFORE, in consideration of the performance by the Parties of the covenants and conditions herein contained,the City and Consultant hereby agree as follows: Terms and Conditions 1. Consultant Services. Consultant agrees to perform any and all work necessary to supervise and administer the general liability claim program for the City,represent the City in all matters related to the investigation, adjustment,processing,supervision and resolution of liability claims for money damages asserted by third parties against the City,and provide to the City during the term of this Agreement all the services described in the Scope of Services attached hereto as Exhibit A and incorporated herein by reference (collectively,the"Services"). 2. Consultant Compensation and Schedule of 1'avment. i a. Consultant will accept as payment and City agrees to pay for all services rendered j pursuant to this Agreement,the monthly fees set forth below: i Page 1 of 9 I! i I t € Dates Covered Monthlv Char es 1 9/1/2025—6/30/2025 $30 918.00 7/1/2026—6/30/2027 $32 464.00 7/l/2027 6/30/2028 $34 087.00 7/1/2028--6/30/2029 $35,792.00 b. The total amount to be expended during the term of this Agreement shall not exceed one million five hundred thirty-seven thousand two hundred ninety-six dollars and zero cents($1,537,296.00). c. The Parties agree and acknowledge that services rendered since September 1,2025 are intended to be paid through this Agreement. d. Payment Schedule. 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 .A,CH 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 fray reasonably be expected by City. e. In,spectio:n of Books and Records. Upon request by City, Consultant shall provide time records and back up data and records verifying project costs and expenses, including out of pocket third party expenses, 3. Term. The term of this Agreement is for a period of three and a half (3 %x) years, commencing on December 2,2025 and terminating on June 30,2029. 4. Termination. a. The City may terminate this Agreement at any time,without cause,with ninety days'written notice. b. The City may terminate this Agreement for cause upon providing the Consultant thirty(30)days written notice if (i) if the Consultant breaches any provision of this Agreement and does not cure such breach within ten(10) days after written notice of the breach is given by the City, (ii) in the event the Consultant's services, in the judgment of City, are unsatisfactory; (iii) in the event of the Consultant's failure to prosecute the work with diligence or within the tune limits specked in the contract documents and Consultant fails to cure this breach within ten(10)days of being advised of the breach; I (iv) failure to procure or maintain insurance as required by this Agreement; or ! i Page 2 of 9 i I 1 I (v) in the event of bankruptcy,whether voluntary or involuntary,of Consultant. C. The Consultant may terminate this Agreement in the event that the City is delinquent in paying any invoices for a period in excess of sixty(60)days.Termination shall be effective thirty (30) days after notice is received by ;mail at the City's office unless the City has remedied said failure(s)to the satisfaction of the Consultant. d. If this Agreement is terminated without cause, Consultant shall be paid for the reasonable value of the Services provided up to the time of such termination or suspension. From and after Consultant's receipt of notice of termination, Consultant shall use all reasonable efforts to minimize project costs and expenses, except to the extent the City's notice requested that certain services are continued. S. 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) is independently developed by the Consultant without reference to information disclosed by the City. 6. Ownership of Records and.Work Product. a. All claim data is owned by the City. All claim electronic files,loss reports,payroll information,and other documents and materials,and all transactional level electronic data in the requested format,shall be delivered to the City upon termination of this Agreement. b. All products of undertaking and completing the Services and Consultant's duties hereunder including, but not limited to, the study results, reports, drawings, photographs, photo simulations,maps,plans,renderings,specifications,analyses,surveys,da%computer printouts,programs and software, and all supporting documentation of such programs prepared in the performance of the Services shall be the property of City, and shall be delivered to City before final payment and the completion of performance or any earlier termination under this Agreement. 7. Indemnification. a. The Consultant agrees to indemnify,defend and.hold harmless the City,and/or their respective officers,members,agents,and employees from any and all loss,liability,claim,demand,cause i Page 3 of 9 i of action or suit,of any and every kind and description,arising or resulting from,or in any way connected with, Consultant's performance anchor non-performance of the Services required by this Agreement including,but not limited to,liability for inaccurate data,loss or dissemination of data,whether intentional or inadvertent. The Consultant shall, upon demand by the City, as applicable, and at its sole cost and expense, defend and provide attorneys acceptable to the City, as applicable, to defend the City, and/or their respective officers,officials,employees and agents from and against any and all loss,liability,claim, demand,cause of action or suit,of any and every kind and description,arising or resulting from,or in any way connected with, Consultant's performance and/or non-performance of the Services required by this Agreement. If the City provides its own defense against any such action or suit, the Consultant shall reimburse the City for all reasonable attorney fees and other costs incurred by the City. b. The Consultant agrees to indemnify,defend and hold harmless the City,and/or their respective officers,members, agents,and employees from any and all loss,liability,claim,demand,cause of action or suit,of any and every kind and description,arising or resulting from, or in any way connected with, any pines, fees, penalties or Medicare reimbursements required to he paid as a result of the Consultant's failure to timely report any Medicare-eligible judgments, awards, or settlements, or for failure to adequately protect Medicare's conditional or future medical payments. c. City agrees to defend any demand, claim, or legal action commenced against the Consultant regarding a matter or incident allegedly caused by or resulting from wrongful or negligent acts of their respective officers, employees, agents, or others engaged by the City, and to indemnify the Consultant against any liability,loss, cost, or damage, including attorney's fees,resulting there fiom. 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. Insurance. Consultant agrees to obtain and maintain through the term of this Agreement insurance coverages as set forth in the attached Exhibit B and incorporated herein by reference. 10. Non-liability-of City Officials, No City representative shall be personally liable to the Consultant,or any successor in interest of Consultant,in the event of any default or breach by the City,or for any amount which may become due to the Consultant or any successor, or on any obligation under the terms of this Agreement. 11. Tndenendent Consultant. 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 Page E4 of 9 I I 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 omployees and shall be responsible for all applicable withholding taxes. The Consultant shall agree to indemnify, defend and bold harmless the City for any action or proceeding related to Consultant's employees or agents'independent Consultant status, 12. Employment Practices. 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 are equal opportunity employer and shall comply with all applicable federal,state and local laws and regulations. 13. Conflicts of Interest, a. 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. b. No immediate family members of either the Mayor,City Council Member, or any appointed City Official,including appointed board and commission members,as defined under the City's Municipal Cade,whose position with the City shall award or influence the award of this Agreeran.ent,or any competing contract or amendment thereof, shall be employed in any capacity by the Consultant or have any other direct or indirect financial benefit or interest in this Agreement. C. The section also prohibits the awarding of any agreement, contract, grant,or any amendment to those awards,to any former full-time employee for one-year from data of employee separation exocpt for any CalPERS retiree as authorized by City Council resolution d. The Consultant must comply with all conflict of interest laws,ordinances, and regulations now in effect or hereafter to be enacted during the term.of this Agreement.The Consultant warrants that it is not now aware of any facts which conflict with the prohibitions defined above. If the Consultant hereafter becomes aware of any facts that might reasonably be expected to create a conflict of interest,it must immediately make full written disclosure of such facts to the City. Full written disclosure must includo,but is not limited to,identification of all persons implicated and a complete description of all relevant circumstances. Failure to comply with the provisions of this paragraph will be a material breach of this Agreement. e, Consultant covenants that none of its directors, officers, employees,or agents shall participate in selecting or administrating any subcontract supported(in whole or in part)by City funds stemming from the Agreement where the awarding ofthe subcontract has any direct or indirect financial benefit or interest to any individual,as defined in subsections (b) and(c) above. Page 5 of 9 € € I i 14. Force Maieure. a. "Force Majeure" means any cause beyond the reasonable control of a party, including but not limited to act of God,civil or military disruption,fire,strilco, flood,riot,war,or inability due to the aforementioned causes to obtain necessary labor,materials, or facilities. b. If any Tarty hereto is delayed or prevented from fulfilling its obligations under this Agreement by Force Maj eure,said Party will not be liable under this Agreement for such delay or failure, nor for damages or injuries resulting directly from the inability to perform scheduled work due to Force N.Maj eure. C. Consultant shall be granted an automatic extension of time commensurate with any delay in performing scheduled work arising from Force Majeure. Consultant agrees to resume such work within three (3) days after the Force Majeure has subsided enough to do so, 15, Assigpmont. Neither Party shall assign or transfer its interest in this Agreement or any part thereof without the written consent of the other Party. 16. Exclusivity and.Amendment. This Agreement represents the complete and exclusive statement between the City and Consultant, and supersedes any and all other agreements,oral or written,between the parties. In the event of a conflict between the terms of this Agreement and any attachments hereto,the terms of this Agreement shall prevail. This Agreement may not be modified except by written instrument signed by the City and by an authorized representative of Consultant. The parties agree that any terms or conditions of any purchase order or other instrument that are inconsistent with,or in addition to,the terms and conditions hereof, shall not bind or obligate Consultant or the City.Each party to this Agreement acknowledges that no representations, inducements,promises or agreements, orally or otherwise,have been made by any party, or anyone acting on behalf of any party,which is not embodied herein. 17. 'Waiver of Breach. 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. 18. Notice. Whenever it shall be necessary for either Party to serve notice on the other respecting this Agreement,such notice shall.be served by personal delivery or by certified mail addressed at the following address,unless and until different addresses may be furnished in writing by either Party to the other and such notice shall be deemed to have been served within seventy-two(72)hours after the same has been deposited in a UMted States Post Office by certified mail or has boon delivered personally, and shall be valid and sufficient service of notice.for all purposes; Wage 6 of 9 i i If to City: City Clerk City of Santa Arta 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—Human Resources Agency City of Santa Ana 20 Civic Center Plaza(M-24) P.O.Box 1988 Santa Ana,California 92702 Fax 714-647-6930 and City Attorney City of Santa Ana 20 Civic Center Plaza(M-29) P,O.Box 1988 Santa Ana,California 92702 Fax 714-647-6515 If to Consultant: AdminSure Attention: Alithia Vargas-Flores 3380 Shelby Street Ontario, CA 91764 19, Governing Law and Venue. This Agreement shall be construed and enforced pursuant to 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 away be brought or arise out of,in connection with or by reason of this Agreement. 20, Professional Uceases. 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 Unified 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. 21, Attorneys' Fees. Each Party shall also bear its own attorneys' fees and all costs related to the preparation of this Agreement. In the event any Party to this Agreement bungs suit to enforce any prevision ofthis Agreement,or is required to defend an action relating to any provision of this Agreement, Page 7 of 9 I I I the non-prevai ling Party agrees to pay the prevailing Party such court costs and attorneys' fees as the court deems just. 22. Advice of Counsel. Each of the Parties acknowledges that it has received or has had the opportunity to receive independent legal advice from an attorney with respect to the advisability of making this Agreement and with respect to the advisability of executing this Agreement. 23. No Reliance on Outside Parties. Each of the Parties acknowledges that it has not relied upon any statement or representation by any other Party or any representative of any other Party,in making or executing this Agreement, except as expressly stated herein. 24. Authority. 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. 25. Counterparts. This Agreement may be signed in counterparts and compiled into one agreement to make an original. 26. Amendment. This Agreement cannot be amended or modified except by an instrument in writing signed by both Parties. 27. Interpretation. Should it be necessary for a court to interpret this Agreement, the Parties agree that it has been prepared by a joint effort of all Parties. Accordingly, only the fair meaning of the words shall be used in any interpretation hereof. 28. Severability. The provisions of this Agreement are severable and if one or more provisions or subcomponents should be determined to be unconstitutional, illegal or judicially unenforceable, in whole or in part, then, unless such unenforceability would make it impossible to effectuate the original intent of the Parties, the remaining provisions or subcomponents hereof shall remain binding and enforceable. 29. Expression of Entire Agreement. This Agreement constitutes a single, integrated written contract, and as such, expresses the entire Agreement of the Parties with respect to the matters contained herein and supersedes all prior negotiations, discussions, correspondence and other communications regarding the terms and conditions hereof. IN WITNESS WHEREOF,the City, and Consultant hereto have executed this Agreement on the date first above written. CONSULTANT Adminsu e, Inca [Signatures continue on the next page] By- Alithia Varg Flores Its: President Page 8 of 9 ATTEST: n,- CITY OF SANTA ANA 4 Jennifer . Hi Alvaro Nunez City Cler City Manager APPROVED AS TO FORM: SONIA R. CARVALHO RECOMMENDED FOR APPROVAL: City Attorney By: . .4k" Laura A. Rossini Lori Schnaider Chief Assistant City Attorney Executive Director of Human resources Page 9 of 9 i EXHTB[r A i I I I SCOPE OF SERVICES i i SCOPE OF SERVICES-GENERAL LIABILITY CLAIMS ADMINSTRATION 1. Description of Services. The responsibilities of Consultant are divided into the following categories; claims administration,litigation management,subrogation and reporting of claims activities. Consultant agrees to perform these services in accordance with the Best Practices and Performance Standards for Third Party Administrators. a. Claims Administration. (i) Consultant shall provide the City with sufficient qualified personnel, including at least one senior claims adjuster,to efficiently and effectively meet the responsibilities as defined below and any other duties incidental, or in addition, to those responsibilities. The senior claims adjuster shall have a minimurn of three years' experience in adjusting liability claims for public entities. Consultant shall also provide a supervisor/account manager who shall oversee the servicing of the City's claims. The account manager shall have at least six years' experience in adjusting liability claims, five of which involved adjusting liability claims for public entities. No adjuster or supervisor/account manager shall service the City's account without prior approval by the City. (ii) The responsibilities of Consultant shall include, but not be limited to,the following, (1) Establish and maintain an electronic file for each claim reported,to include a diary review system by both the examiner and supervisor;statistical data for each claim should be stored electronically and shall include all data required to comply with federal and state requirements including Medicare secondary payer laws and regulations; (2) Provide comprehensive claim investigative services in an expeditious manner and taping into account the statutory time frame for responding to a government tort claim; (3) Periodically, detennine potential. liability and establish, review, and update reserves for each reported claims and advise the City of any changes as they occur; (4) Notify Independent Cities Risk Management Authority (ICRMA) Litigation Manager of a claim as required by the ICRMA Liability Program Memorandum of Coverage (MOC) and coordinate with the City's Risk Management Division, City A.ttorney's Office and ICRMA Litigation Manager and any applicable excess insurance representatives in the defense,settlement, and payment of claims. Prepare and submit information to the Litigation.Manager, and upon request insurance carrier(s), on all claims that fall within the reporting requirements set forth by the MOC or the insurance carrier(s); (5) Document sufficiency of reserves, minimally at 90-day intervals; I i i l I i (6) Provide the City with a recommendation to accept or deny a claim within the statutory period in the California Oovernm=t Tort Claims Act; i (7) Provide immediate notification to the City of offers to settle; (8) Obtain settlement authority from City, ICRMA(when required),and the excess carrier where applicable; (9) Obtain releases and other necessary forms from all appropriate parties upon settlement of a claim prior to issuing a settlement check; (10) Upon the City's request, assist with preparation for, and attend small claims court hearings, court hearings and City Council meetings at no additional charge to the City; (11) Prepare and, where needed, obtain approval for issuance of checks,drafts,or other documents in the payment of claims with electronic copies sent to the City; (12) Promptly determine any potential to tender a claim to third patties and the feasibility of subrogation, and take appropriate steps to subrogate, where such action is appropriate; (13) Promptly close each claim as soon as possible, but no later than 30 days after final check issuance; (14) Make available time,electronic files,and necessary staff for meetings with the City and attendance at applicable meetings for settlement authority, claim resolution strategy,and periodic claim audits; (15) Miter collecting member data, Consultant shall determine whether claimants are Medicare beneficiaries. If claimants are found to be Medicare beneficiaries, Consultant as part of any settlement with the claimant shall on behalf of the City take all steles necessary to protect Medicare's interests. This shall include, but is not necessarily limited to, confirming that all known liens or claims by Medicare shall be satisfied from the settlement, and making all reasonable efforts to determine whether Medicare will be asserting any future liens or claims against the City, and if so,to satisfy as part of the settlement any such liens or claims to the extent they can be determined, through a Medicare Set Aside or other appropriate procedure or mechanism; and (16) Maintain complete records of payments from an approved trust account, established by the Consultant on behalf of the City for the purpose of paying all claims related costs. b. Litigation Management, (i) Consultant shall assist in the implementation and conform to the procedures of the City A.ttorney's Office and ICRMA's Litigation Management Program. i 1 1 i (ii) The duties of Consultant shall include,but not be limited to: (1) Monitor defense counsel and assist in the implementation of the ICRMA's Litigation Management Guidelines incorporated heroin by reference; (2) Assist defense counsel, at the direction of the City, in obtaining facts or circumstances of a claim,including assistance in answering interrogatories; (3) Attend settlement conferences, mediation, and court appearances when requested; (4) Supplying and collecting the case analysis and performance evaluation forms from the defense firms; (5) Make sure that legal bills have been reviewed by the City Attorney's Office prior to payment, review legal bills for compliance with the Litigation ! Management Guidelines, and use of cost effective processes and bring any concerns to the attention of the City's Risk Manager and City Attorney's Office; (6) Providing any and all information, reports, and data to the City and ICRMA as may be requested from time to time. (7) Allow access to City files for ICRMA annual audit. c. Reporting of Claims Activity (i) Provide a monthly statistical report to the City for each line of coverage which shows all claims' activity, including claimant name, nature/type/cause of injury/loss, date of loss, status, loss/expense paid and reserved amounts, with monthly and year- to-date totals. A guide to any and all abbreviations used in any of the reports shall be provided to the City and ICRMA, Reports shall include all claims sheeting the City's reporting criteria, (ii) In addition to the monthly statistical report, the Consultant will provide to the City a monthly payment register showing all payments issued, payee, voucher number,voucher date, and claimant name,if applicable. (iii) Upon the request of the City, the Consultant shall also provide special reports on claims, in detail or summary, sorted or queried by any, or any combination, of the fields at no additional cost. All reports shall be provided in a Microsoft Excel Format or any other format as requested by the City. (iv) The Consultant shall also provide reports to the City, as may be requested from time to time,which accurately identify the types of claims that have been presented so that the City can identify areas where corrective measures may be adopted to prevent future claims of that nature. 2. Consultant's Obligations. The Consultant shall complete the Services as follows: f i i a. The Consultant represents that it employs, or will employ, at its own expense, all personnel required for the satisfactory performance of the Services. b. The Consultant represents that the Services will be performed by the Consultant or personnel under its direct supervision, and that all personnel engaged in such work shalt be fully qualified and shall be authorized and permitted under applicable state and local laws to perform such Services. C. Consultant shall assign an account manager to ensure the duties under this Agreement are performed in a timely and professional manner. Said representative shall not be replaced by the Consultant without prior written notice to the City, nor without written approval from the City. Any additional personnel rued to perform the Services shall be limited to those initially identified by the Consultant,unless approved in writing by the City. d. Consultant shall ensure that other personnel, such as management,clerical,, accounting, and data processing, which may be required to satisfactorily provide the services required by this Agreement,shall be provided by the Consultant within the agreed fee for Services contained in this Agreement. It is understood that the personnel referred to in this entire Section need not be dedicated to the exclusive use of the City. e. Consultant shall fiunish, at its own expense, all materials, equipment, and personnel necessary to carry out the terms of this Agreement. Consultant shall not use City premises, property(including equipment, instruments, or supplies) or personnel for any purpose other than in the performance of its obligations under this Agreement. l The Consultant shall provide sufficient office space to ensure that the City's' claims can be adjusted in an effective and efficient manner. Such office space shall be equipped with an adequate theft and fire alarm system in an effort to protect the City's records. g. The Consultant shall work closely with the City and their respective designated representatives by providing any information,reports, and data to the City as may be requested from time to time, h. The Consultant agrees not to release any report, any portion thereof, or any result of any investigation it may undertake on behalf of the City to any outside person or agency without the express written consent of the City, except as provided by law or in this Agreement. Consultant shall notify City immediately of any subpoena or other request for City records made by a third party. L Data Interface. The Consultant shall provide an online interface with its database,accessible from the City's computers. This information will be for use by the City, Such data shall be in a format which will permit the City to make print copies of the data on its printers. The data interface will have sufficient firewall and anti-virus software to maintain appropriate security. j. Data Reporting. Consultant shall provide City monthly loss information with the:fields and in the format specified. f k. Consultant shall provide reports outlined in this Agreement as specified or other reports as requested by the City. 1. Consultant shall develop and implement processes and procedures relating to the protection of electronic data, including a suitable security and off-site back-up system for all stored data and a written policy with respect to disaster recovery, physical and electronic data security, and electronic data retention, as required by the standards for Accreditation with Excellence by the California Association of Joint Powers Authorities, Consultant will notify City immediately in writing of its discovery of any data breach involving City's data, M. The Consultant shall comply with all applicable federal, state, and local laws, ordinances and regulations including;but not limited to the Health Insurance Portability and Accountability Act("HIPPA."). Consultant shall report: immediately to the City, in writing, any discrepancy or inconsistency it discovers in the laws, ordinances, regulations, orders, and/or guidelines in relation to the performance of Services under this Agreement. n. The Consultant, at its sole expense, shall obtain and maintain during the term of this Agreement, appropriate permits, certificates, and licenses including, but not limited to, any business license that may be required in connection with the performance of services under this Agreement. o. The Consultannt small not subcontract or assign any portion of the Services without prior written approval of the City. P. The Consultant shall make no change in the character or extent of the work required by this Agreement,except as may be authorized in writing by the City. Such supplemental authorization shall set forth the specific changes of work to be performed and any related extension of time and/or adjustment of fee to be paid to the City by the Consultant. q. Consultant shall submit its annual SSAE18 / SAS70 to City within.thirty (30)days of receipt along with any action plans to mitigate any deficiencies noted by the auditor. r. Consultant will cooperate fully with the City,City Attorney's Office,Risk Manager, ICRMA and any applicable excess carrier, 3. City Obligations. In furtherance of the Services provided by the Consultant, the City agrees to the following: a. The City shall provide full information regarding its requirements for the Agreement, and shall furnish without charge to the Consultant, any and all information available within the offices of the City and are necessary for the Consultant to provide and perform the flasks and Services set forth herein. b. The City shall cooperate with the Consultant in carrying out the work of the Agreement without undue delay, In this regard, the City, including any representative thereof, shall examine documents submitted by the Consultant and shall render any necessary decisions pertaining to such documents or Services as promptly as is practicable. k i i I I ' U. The City will provide to Consultant information regarding its computer system to the extent necessary for claims processing or•litigation management. I f I Exhibit B Insurance Requirements i i i 1 EPrior 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 ftom or in connection with services,products and materials supplied to City. Total cost of such insurance shall be borne by Consultant. MIMMUM SCOPE AND LIMIT OF INSURANCE l. Commercial General Liability(CGL); Insurance Services Office Form CC 00 01 covering COL 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(AL); 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 commorcial automobile liability insurance, City will accept evidence of personal automobile insurance,provided that such policy is endorsed for business use and provides coverage with a minimum limit of$1.,000,000,Required policy limits can be met with primary and unnbrella/excess insurance policies. 3. Workers' Compensation (WC): 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(PL)/Errors and Omissions(E&O). with limits no less than $2,000,000 per occurrence or claim, and$4,000,000 aggregate. 5. Cyber Liability(CL): Insurance, with limits not loss than$2,000,000 per occurrence or claim and$2,000,000 aggregate. Coverage shall bo sufficiently broad to respond to the duties and obligations as is undertaken by Consultant in this agreement and shall include, but not be limited to, claims involving security breach, system failure, data recovery, business interruption,cyber extortion, social engineering,infringement of intellectual property,including but not limited to infringement of copyright,trademark,trade dress, invasion of privacy violations,information theft, and release of private information,The policy shall provide coverage for breach response costs,regulatory fines and penalties as well as credit monitoring expenses. G. Technology Professional Liability-Errors and Omissions Insurance(E?&O): appropriate to the Consultant's profession and work hereunder,with limits not less than $2,000,000 per occurrence and$2,000,000 aggregate. Coverage shall be sufficiently broad to respond to the duties and obligations as is undertaken by the Consultant in this agreement and shall include,but not be limited to,claims involving business interruption, i I } i {JS . I damage to or destruction of electronic information,and alteration of electronic information.The policy shall provide coverage for Consultant's failure to provide professional services and/or products under this Agreement, The Policy shall include, or be endorsed to include,damage to, alteration of,loss of,or destruction of electronic data and/or information"property"of Customer in the care,custody, or control of Consultant. 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 and AL policies,with respect to any liability arising out of work or operations performed by or on behalf of the Consultant including materials,parts, equipment, and personnel fiirnished in connection with such work or operations. 2. Consultant's Insurance company(ics)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 Consultant's CGL,AL,and WC policies 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 wham 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-ronewal due to non-payment of premium. 6. Certificate Holder on.each.Evidence of Insurance certificate shall be: City of Santa Ana, Attention: (Luisa Mendoza.,Acting Risk Manager),City of Santa Ana,Human Resources Agency, 20 Civic Center Plaza,P.O. Box 1988,M-24,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 admixnistratioa, and defense expenses within the retention. i 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 AXII,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. I i ADMIINC-01 PFEMI1 .4CORa0` CERTIFICATE OF LIABILITY INSURANCE DATE(MMfDDNYYY) `..'ram 1212312024 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 NAM Di ital Insurance LLC-Clayton,MO gg PHONEFAX 8235 Forsyth Blvd#1200 (Arc,No,EM):(314)746-4700 (AfCC,No):(314)889-3700 Clayton,MID 63105 ADDRESS: INSURERS AFFORDING COVERAGE NAIL# INSURER A.National Fire Ins Co Of Hartford 20478 INSURED INSURER B:Continental Insurance Company 35289 AdminSure, Inc. INSURER C:Hartford Fire Insurance Co 19682 3380 Shelby St INSURER D:Evanston Insurance Company 35378 Ontario,CA 91764 INSURER E:At Bay Specialty Ins Co, 19607 INSURER F COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOU 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. INSIR TYPE OF INSURANCE j DSDL SUER WVD PODGY NUMBER POLICY EFF POLICY EXPLTR awmloyrrml LIMITS • X COMMERCIAL GENERAL LIABILITY 1,000,000 EACI-{OCCURRENCE CLAIM'S-MADE OCCUR 7036373730 1/112025 11112026 DAMAGE TO RENTED 100,000 MEDEXP(Any one rson 5,000 PERSONAL&ADV INJURY 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE 2,000,000 POLICY 1XI jE 0 F-xl LOC PRODUCTS-COMPIOP AGG 2,000,000 OTHER: A AUTOMOBILE LIABILITY E?1.1.1N eDISINGLE LIMIT 11000,000 ANY AUTO 7036373744 111/2025 1/112026 BODILY INJURY Per arson S OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY Per accident X HIRED XNON-OWNE❑❑ PRaO ct1e DAMAGE $ AUTOS ONLY AUT DS ONLY * X UMBRELLA DAB OCCUR EACH OCCURRENCE $ 61000,000 EXCESS LIAR CLAIMS-MADE 7036373761 111/2025 1/1/2026 AGGREGATE $ 6,000,000. DED I X I RETENTION$ 10,000 C WORKERS COMPENSATION X PER OTH- AND EMPLOYERS'LIABILITY Y r N 84WEBC$WUM 111/2025 1/112026 1,000,000 ANY PROPRIETORIPARTNERIEXECUTIVE E.L.EACH ACCIDENT $ OFFICERIMEMBER EXCLUDED? ❑ NIA (Mandatary In NH) E.L DISEASE-EA EMPLOYEE $ 1,(100,000 If yes,describe under 1.000,000 DESCRIPTION OF OPERATIONS below E.L DISEASE-POLICY LIMIT D Professional Llablli MKLV7PE0003871 11112025 111/2026 ClaimfAgg 5,000,000 E Cyber AB675971901 1/112025 11112D26 Aggregate 4,000,000 DESCRIPTION OF OPERATIONS r LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,maybe attached if more space Is required) City of Santa Ana is named additional insured as respects General Liability.Waiver of Subrogation is applicable as respects General Liability. APPROVED By Cynthia Mora at 10:32 am, Jan 14, 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 $P ACCORDANCE WITH THE POLICY PROVISIONS. 20 Civic Center Plaza Santa Ana,CA 92701 AUTHORIZED REPRESENTATIVE ACORD 25(2016103) O 1988-21115 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD AGENCY CUSTOMER ID.ADMIING-01 PFEM11 LOC M 1 A1c(:>RQ ADDITIONAL REMARKS SCHEDULE Page 1 of 1 AGENCY NAMEDINSURED Digital Insurance LLC-Clayton,MO 3380 Shelby Inc. 3380 Shelby St POLICY NUMBER Ontario,CA 91764 EE PAGE 1 CARRIER NAIC CODE SEE PAGE 1 SEE P 1 EFFECTIVE DATE:SEE PAGE 1 ADDITIONAL REMARKS THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM, FORM NUMBER: ACORD 25 FORM TITLE: CarHficata Gf Liability Insurance Certificate of Liability Remarks Crime Liability Insurer: Atlantic Specialty Insurance Company Policy No.: MML0021620125 Effective:111/2025-111/2026 Per Occurrence Limit:$4,000,000 ACORD 101 (2008101) ©2008 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD CNA CNA PARAMOUNT /� Financial Services - General Liability Extension Endorsement It is understood and agreed that this endorsement amends the COMMERCIAL GENERAL LIABILITY COVERAGE PART as follows. If any other endorsement attached to this policy amends any provision also amended by this endorsement, then that other endorsement controls with respect to such provision, and the changes made by this endorsement with respect to such provision do not apply. TABLE OF CONTENTS 1. Additional Insureds 2. Additional Insured-Primary And Non-Contributory To Additional Insured's Insurance 3. Bodily Injury-Expanded Definition 4. Broad Knowledge of Occurrence/Notice of Occurrence S. Broad Named Insured 6. Estates, Legal Representatives and Spouses 7. Expected Or Intended Injury--Exception for Reasonable Force 8. In Rem Actions 9. Incidental Health Care Malpractice Coverage 10. Joint Ventures/Partnership/Limited Liability Companies 11. Legal Liability-Damage To Premises 12. Medical Payments 13. Non-owned Aircraft Coverage 14. Non-owned Watercraft 15. Personal And Advertising Injury-Discrimination or Humiliation 16. Personal And Advertising Injury-Limited Contractual Liability s 17. Property Damage-Elevators 12 18. Supplementary Payments M 19. Unintentional Failure To Disclose Hazards 20. Waiver of Subrogation-Blanket ONA75102XX(1-15) Policy No: 7036373730 Page 1 of 14 Endorsement No: 6 Nat'l Fire Ins Ce of Hartford Effective bate: 01/01/2025 Insured Name:ADMI1ms=, INN. Copyright CNA All Rights Reseed. Indudes mpyrighted malerial of Insurance 5ewfces Office,Inc.,with its permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement 1. ADDITIONAL INSUREDS a. WHO IS AN INSURED Is amended to include as an Insured any person or organization described in paragraphs A.through K. below whom a Named Insured is required to add as an additional insured on this Coverage Part under a written contract or written agreement,provided such contract or agreement: (1) is currently in effect or becomes effective during the term of this Coverage Part; and (2) was executed prior to: (a) the bodily injury or property damage;or (b) the offense that caused the personal and advertising injury, for which such additional insured seeks coverage. b. However, subject always to the terms and conditions of this policy, including the limits of insurance, the Insurer will not provide such additional insured with: (1) a higher limit of insurance than required by such contract or agreement; or (2) coverage broader than required by such contract or agreement, and in no event broader than that described by the applicable paragraph A.through K. below. Any coverage granted by this endorsement shall apply only to the extent permissible by law. A. Controlling Interest Any person or organization with a controlling interest in a Named Insured,but only with respect to such person or organization's liability forbodily Injury, property damage or personal and advertising injury arising out of: 1. such person or organization's financial control of aNamed Insured; or 2. premises such person or organization owns, maintains or controls while a Named Insured leases or occupies such premises; provided that the coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by,on behalf of, or for such additional insured. B. Co-owner of Insured Premises A co-owner of a premises co-owned by a Named Insured and covered under this insurance but only with respect to such co-owner's liability for bodily injury, property damage or personal and advertising injury as co-owner of such premises. C. Grantor of Franchise Any person or organization that has granted a franchise to a Named Insured, but only with respect to such person or organization's liability for bodily injury, property damage or personal and advertising injury as grantor of a franchise to the Named Insured. D. Lessor of Equipment Any person or organization from whom a Named Insured leases equipment, but only with respect to liability for bodily Injury, property damage or personal and advertising injury caused, in whole or in part, by the Named Insured's maintenance, operation or use of such equipment, provided that the occurrence giving rise to such bodily injury, property damage or the offense giving rise to such personal and advertising injury takes place prior to the termination of such lease. CNA75102XX(1-15) Policy No; 7036373730 Page 2 of 14 Endorsement No: 6 Nat 'l Fire Ins Co of Hartford Effective Date: 01/01/2025 Insured Name:ADMILVSTJRE, INC. Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance SaNces Office,Inc.,Wah its permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement E. Lessor of Land Any person or organization from whom a Named Insured leases land but only with respect to liability for bodily Injury, property damage or personal and advertising injury arising out of the ownership, maintenance or use of such land, provided that the occurrence giving rise to such bodily injury, property damage or the offense giving rise to such personal and advertising Injury takes place prior to the termination of such lease. The coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by,on behalf of,or for such additional insured. P. Lessor of Premises An owner or lessor of premises leased to the Named Insured, or such owner or lessor's real estate manager, but only with respect to liability for bodily Injury,property damage or personal and advertising Injury arising out of the ownership, maintenance or use of such part of the premises leased to the Named Insured, and provided that the occurrence giving rise to such bodily injury or property damage,or the offense giving rise to such personal and advertising injury, takes place prior to the termination of such lease. The coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by, on behalf of,or for such additional insured. G. Mortgagee,Assignee or Receiver A mortgagee, assignee or receiver of premises but only with respect to such mortgagee, assignee or receiver's liability for bodily injury, property damage or personal and advertising injury arising out of the Named Insured's ownership, maintenance,or use of a premises by a Named Insured. The coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by, on behalf of,or for such additional Insured. H. State or Governmental Agency or Subdivision or Political Subdivisions—Permits A state or governmental agency or subdivision or political subdivision that has issued a permit or authorization but only with respect to such state or governmental agency or subdivision or political subdivision's liability for bodily Injury, property damage or personal and advertising injury arising out of: 11. the following hazards in connection with premises a Named Insured owns, rents, or controls and to which this insurance applies: a. the existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoistaway openings, sidewalk vaults, street banners,or decorations and similar exposures;or g b. the construction, erection,or removal of elevators;or c. the ownership, maintenance or use of any elevators covered by this Insurance;or 2. the permitted or authorized operations performed by a Named Insured or on a Named Insured's behalf. The coverage granted by this paragraph does not apply to: a. Bodily injury,property damage or personal and advertising injury arising out of operations performed for the state or governmental agency or subdivision or political subdivision;or b. Bodily Injury or property damage included within the products-completed operations hazard. With respect to this provision's requirement that additional insured status must be requested under a written contract or agreement, the Insurer will treat as a written contract any governmental permit that requires the Named Insured to add the governmental entity as an additional insured. ® CNA75102XX(1-15) Policy No: 7036373730 Page 3 of 14 Endorsement No: 6 Nat'l Fare xns Co of Hartford Effective Date: 01/01/2025 Insured Name:ADMINSURE, INC. Copyright CNA AJI Rights Reserved. Indudes oopyrightad mate»al of Insurance Services Office,Inc.,with its permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement I. Trade Show Event Lessor 1. With respect to a Named Insured's participation in a trade show event as an exhibitor, presenter or displayer, any person or organization whom the Named Insured is required to include as an additional Insured, but only with respect to such person or organization's liability for bodily Injury,property damage or personal and advertising injury caused by: a. the Named Insured's acts or omissions;or b. the acts or omissions of those acting on the Named Insured's behalf, in the performance of the Named Insured's ongoing operations at the trade show event premises during the trade show event. 2. The coverage granted by this paragraph does not apply to bodily injury or property damage included within the products-completed operations hazard. J. Vendor Any person or organization but only with respect to such person or organization's liability for bodily injury or property damage arising out of your products which are distributed or sold in the regular course of such person or organization's business,provided that: 1. The coverage granted by this paragraph does not apply to: a. bodily injury or property damage for which such person or organization is obligated to pay damages by reason of the assumption of liability in a contract or agreement unless such liability exists in the absence of the contract or agreement; b. any express warranty unauthorized by the Named Insured; c. any physical or chemical change in any product made intentionally by such person or organization; d, repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; e. any failure to make any inspections, adjustments, tests or servicing that such person or organization has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products; f. demonstration, installation, servicing or repair operations, except such operations performed at such person or organization's premises in connection with the sale of a product; g. products which, after distribution or sale by the Named Insured, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for such person or organization; or h. bodily injury or property damage arising out of the sole negligence of such person or organization for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (1) the exceptions contained in Subparagraphs d.orf.above; or (2) such inspections, adjustments, tests or servicing as such person or organization has agreed with the Named Insured to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. CNA75102XX(1-15) Policy No, 7036373730 Page 4 of 14 Endorsement No: 6 Nat'l Fire Ins Co of Hartford Effective Date: 01/01/2025 Insured Name:ADMINSURE, INC. Copyright CNA All Rights Reserved. Includes copydghted material of Insurance Services Office,Inc.,wih its permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement 2. This Paragraph J.does not apply to any insured person or organization,from whom the Named Insured has acquired such products, nor to any ingredient, part or container, entering into, accompanying or containing such products. 3. This Paragraph J.also does not apply: a. to any vendor specifically scheduled as an additional insured by endorsement to this Coverage Part; b. to any of your products for which coverage is excluded by endorsement to this Coverage Part; nor c. if bodily injury or property damage included within the products-completed operations hazard is excluded by endorsement to this Coverage Part. K. Other Person Or Organization Any person or organization who is not an additional insured under Paragraphs A. through J. above. Such additional insured is an Insured solely for bodily injury, property damage or personal and advertising Injury for which such additional insured is liable because of the Named Insured's acts or omissions. The coverage granted by this paragraph does not apply to any person or organization: 1. for bodily Injury, property damage, or personal and advertising Injury arising out of the rendering or failure to render any professional service; 2. for bodily injury or property damage included within the products-completed operations hazard; nor 3. who is specifically scheduled as an additional insured on another endorsement to this Coverage Part. 2. ADDITIONAL INSURED-PRIMARY AND NON-CONTRIBUTORY TO ADDITIONAL INSURED'S INSURANCE A. The Other Insurance Condition in the COMMERCIAL GENERAL LIABILITY CONDITIONS Section is amended to add the following paragraph: If the Named Insured has agreed in writing in a contract or agreement that this Insurance is primary and non- contributory relative to an additional Insured's own insurance, then this insurance is primary, and the Insurer will not seek contribution from that other insurance. For the purpose of this Provision 2.,the additional insured's own insurance means insurance on which the additional insured is a named insured. 8 B. With respect to persons or organizations that qualify as additional insureds pursuant to paragraph I.K. of this endorsement,the following sentence is added to the paragraph above: Otherwise, and notwithstanding anything to the contrary elsewhere in this Condition, the insurance provided to such person or organization is excess of any other insurance available to such person or organization. s 3. BODILY INJURY—EXPANDED DEFINITION Under DEFINITIONS,the definition of bodily injury is deleted and replaced by the following: Bodily injury means physical injury, sickness or disease sustained by a person, including death, humiliation, shock, mental anguish or mental injury sustained by that person at any time which results as a consequence of the physical =` injury,sickness or disease. 4. BROAD KNOWLEDGE OF OCCURRENCE/NOTICE OF OCCURRENCE Under CONDITIONS,the condition entitled Duties in The Event of Occurrence,Offense, Claim or Suit is amended to add the following provisions: A. BROAD KNOWLEDGE OF OCCURRENCE The Named Insured must give the Insurer or the Insurer's authorized representative notice of an occurrence, offense or claim only when the occurrence, offense or claim is known to a natural person Named Insured, to a CNA75102XX(1-15) Policy No: 7036373730 Page 5 of 14 Endorsement No: 6 Nat'l Fire Ins Co of Hartford Effective bate: 01/01/2025 Insured Name:AT)MTNSURR, INC. Copyright CNA All Rights Resented. Indudes copyrighted material of Insurance Serviaas COm,Inc.,with its paffnission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement partner, executive officer, manager or member of a Named Insured, or to an employee designated by any of the above to give such notice. B. NOTICE OF OCCURRENCE The Named Insured's rights under this Coverage Part will not be prejudiced if the Named Insured fails to give the Insurer notice of an occurrence, offense or claim and that failure is solely due to the Named Insured's reasonable belief that the bodily injury or property damage is not covered under this Coverage Part. However, the Named Insured shall give written notice of such occurrence, offense or claim to the Insurer as soon as the Named Insured is aware that this insurance may apply to such occurrence,offense or claim. 5. BROAD NAMED INSURED WHO IS AN INSURED is amended to delete its Paragraph 3.in its entirety and replace it with the following: 3. Pursuant to the limitations described in Paragraph 4.below, any organization in which the First Named Insured has management control directly or indirectly: a. on the effective date of this Coverage Part; or b. by reason of a Named Insured creating or acquiring the organization during the policy period, qualifies as a Named insured, provided that there is no other similar liability insurance, whether primary, contributory,excess,contingent or otherwise,which provides coverage to such organization,or which would have provided coverage but for the exhaustion of its limit, and without regard to whether its coverage is broader or narrower than that provided by this insurance. But this BROAD NAMED INSURED provision does not apply to any organization for which coverage is excluded by another endorsement attached to this Coverage Part. For the purpose of this provision, and of this endorsement's JOINT VENTURES I PARTNERSHIP / LIMITED LIABILITY COMPANIES provision, management control means owning interests representing more than 50% of the voting, appointment or designation power for the selection of a majority of: the Board of Directors of a corporation; the management committee members of a joint venture; the management board of a limited liability company;the general partners of a limited partnership;or the partnership managers of a general partnership. 4. With respect to organizations which qualify as Named Insureds by virtue of Paragraph 3, above, this insurance does not apply to: a. bodily injury or property damage that first occurred prior to the date of management control, or that first occurs after management control ceases;nor b. personal or advertising injury caused by an offense that first occurred prior to the date of management control or that first occurs after management control ceases. 5. The insurance provided by this Coverage Part applies to Named Insureds when trading under their own names or under such other trading names or doing-business-as names(dba) as any Named Insured should choose to employ. 6. ESTATES,LEGAL REPRESENTATIVES,AND SPOUSES The estates, heirs, legal representatives and spouses of any natural person Insured shall also be insured under this policy; provided, however, coverage is afforded to such estates, heirs, legal representatives, and spouses only for claims arising solely out of their capacity or status as such and, in the case of a spouse, where such claim seeks damages from marital community property, jointly held property or property transferred from such natural person Insured to such spouse. No coverage is provided for any act, error or omission of an estate, heir, legal representative, or spouse outside the scope of such person's capacity or status as such, provided however that the spouse of a natural person Named Insured and the Spouses of members or partners of joint venture or partnership CNA76102XX(1-16) Policy No: 7036373730 Page 6 of 14 Endorsement No: 6 Nat 'l Fire Ins Co of Hartford Effective Date: 01/01/2025 Insured Name:ADMINSURE, INC. Copyright GNA All fights Deserved. lndudes copyrighted material d Insurance Services Office,Inc.,with its permission. C/VA CNA PARAMOUNT /� Financial Services - General Liability Extension Endorsement Named Insureds are Insureds with respect to such spouses'acts, errors or omissions in the conduct of the Named Insured's business. 7. EXPECTED OR INTENDED INJURY—EXCEPTION FOR REASONABLE FORCE Under COVERAGES, Coverage A — Bodily Injury And Property Damage Liability, the paragraph entitled Exclusions is amended to delete the exclusion entitled Expected or Intended Injury and replace it with the following: This insurance does not apply to: Expected or intended Injury Bodily injury or property damage expected or intended from the standpoint of the Insured. This exclusion does not apply to bodily injury or property damage resulting from the use of reasonable force to protect persons or property. 8. IN REM ACTIONS A quasi in rem action against any vessel owned or operated by or for the Named insured, or chartered by or for the Named Insured, will be treated in the same manner as though the action were in personam against the Named Insured. 9. INCIDENTAL HEALTH CARE MALPRACTICE COVERAGE Solely with respect to bodily injury that arises out of a health care Incident: A. Under COVERAGES, Coverage A—Bodily Injury And Property Damage Liability,the Insuring Agreement is amended to replace Paragraphs 1.b.(1)and 1,b.(2)with the following: b. This insurance applies to bodily injury provided that the professional health care services are incidental to the Named Insured's primary business purpose,and only if: (1) such bodily injury is caused by an occurrence that takes place in the coverage territory. (2) the bodily Injury first occurs during the policy period. All bodily injury arising from an occurrence will be deemed to have occurred at the time of the first act, error, or omission that is part of the occurrence; and B. Under COVERAGES, Coverage A -- Bodily Injury And Property Damage Liability, the paragraph entitled ti Exclusions is amended to: 1. add the following to the Employers Liability exclusion: This exclusion applies only if the bodily Injury arising from a health care incident is covered by other 9 liability insurance available to the Insured (or which would have been available but for exhaustion of its limits). ii. delete the exclusion entitled Contractual Liability and replace it with the following: This insurance does not apply to: Contractual Liability the Insured's actual or alleged liability under any oral or written contract or agreement, including but not limited to express warranties or guarantees. IN. add the following additional exclusions. This insurance does not apply to: C CNA75102XX(1-15) Policy No: 7036373730 Page 7 of 14 Endorsement No: 6 Nat'l Fire Ins Co of Hartford Effective Date: 01/01/2025 Insured Name:ADMINSURE, INC. Copyright CNAA Pdl RghI:s Re-sAmd. Indudes cepydghted material of Insurance 5enrices Office,Inc.,with its parmissian. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement Discrimination any actual or alleged discrimination, humiliation or harassment, that includes but shall not be limited to claims based on an individuals race, creed, color, age, gender, national origin, religion, disability, marital status or sexual orientation. Dishonesty or Crime Any actual or alleged dishonest, criminal or malicious act,error or omission. Medicare/Medicaid Fraud any actual or alleged violation of law with respect to Medicare, Medicaid, Tricare or any similar federal, state or local governmental program. Services Excluded by Endorsement Any health care incident for which coverage is excluded by endorsement. C. DEFINITIONS is amended to: I. add the following definitions: Health care incident means an act, error or omission by the Named Insured's employees or volunteer workers in the rendering of- a. professional healthcare services on behalf of the Named Insured or b. Good Samaritan services rendered in an emergency and for which no payment is demanded or received. Professional health care services means any health care services or the related furnishing of food, beverages, medical supplies or appliances by the following providers in their capacity as such but solely to the extent they are duly licensed as required: a. Physician; b. Nurse; c. Nurse practitioner; d. Emergency medical technician; a. Paramedic; f. Dentist; g. Physical therapist; h. Psychologist; I. Speech therapist; j. Other allied health professional; or Professional health care services does not include any services rendered in connection with human clinical trials or product testing. Ill. delete the definition of occurrence and replace it with the fallowing: Occurrence means a health care incident. All acts, errors or omissions that are logically connected by any common fact,circumstance, situation, transaction, event, advice or decision will be considered to constitute a single occurrence; CNA75102XX(1-15) Policy No: 7036373730 Page 8 of 14 Endorsement No: 5 Nat'l Fire Ins Co of; Hartford Effective Date: 01/01/2025 Insured Name:ADMTNFSURE, INC. Copyright CRA All Rights Reserved, Includes copyrighted material of Insurance Services Office,Irrc.,wlh its permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement iii. amend the definition of Insured to: a. add the following: • a Named Insured's employees are Insureds with respect to: (1) bodily injury to a co-employee while in the course of the c"mployee's employment by the Named Insured or while performing duties related to the conduct of the Named Insured's business; and (2) bodily injury to a volunteer worker while performing duties related to the conduct of the Named Insured's business; when such bodily Injury arises out of a health care Incident. • the Named Insured's volunteer workers are Insureds with respect to: (1) bodily injury to a co-volunteer worker while performing duties related to the conduct of the Named Insured's business;and (2) bodily Injury to an employee while in the course of the employee's employment by the Named Insured or while performing duties related to the conduct of the Named Insured's business; when such bodily injury arises out of a health care Incident. b. delete Subparagraphs(a),(b),(c)and(d)of Paragraph 2.a.(1)of WHO IS AN INSURED. c. add the following: Insured does not include any physician while acting in his or her capacity as such. D. The Other Insurance condition is amended to delete Paragraph b.(1) in its entirety and replace it with the following: Other Insurance b. Excess Insurance (1) To the extent this insurance applies, it is excess over any other insurance,self insurance or risk transfer instrument, whether primary, excess, contingent or on any other basis, except for insurance purchased specifically by the Named Insured to be excess of this coverage. 8 10. JOINT VENTURES 1 PARTNERSHIP 1 LIMITED LIABILITY COMPANIES WHO IS AN INSURED is amended to delete its last paragraph and replace it with the following: No person or organization is an Insured with respect to the conduct of any current or past partnership,joint venture or limited liability company in which a Named Insured's interest does/did not rise to the level of management control, except that if the Named Insured was a joint venturer, partner, or member of such an entity, and such entity terminated prior to or during the policy period, then such Named Insured is an Insured with respect to its interest in i= such joint venture,partnership or limited liability company but only to the extent that: a. any offense giving rise to personal and advertising injury occurred prior to such termination date, and the personal and advertising injury arising out of such offense first occurred after such termination date; b. the bodily injury or property damage first occurred after such termination date;and c. there is no other valid and collectible insurance purchased specifically to insure the partnership, joint venture or limited liability company. -- CNA75102XX(1-15) Policy No; 7036373730 Page 9 of 14 Endorsement No: b Nat'l Fire Ina Co of Hartford Effective Date: 01/01/2025 Insured Name:ADMINSURE, INC. Copyright CNA Ail Rights Reserved. Indudes copyrighted mstMal of Insurance Sen+ioaas[)fare,Inc.,wah ils permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement 11. LEGAL LIABILITY--DAMAGE TO PREMISES A. Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete the first paragraph immediately following subparagraph (6) of the Damage to Property exclusion and replace it with the following: Paragraphs (1), (3) and (4) of this exclusion do not apply to property damage (other than damage by fire) to premises rented to the Named Insured or temporarily occupied by the Named Insured with the permission of the owner, nor to the contents of premises rented to the Named Insured for a period of 7 or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in LIMITS OF INSURANCE. B. Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions Is amended to delete its last paragraph and replaced it with the following; Exclusions c. through n. do not apply to damage by fire to premises while rented to a Named Insured or temporarily occupied by a Named Insured with permission of the owner, nor to damage to the contents of premises rented to a Named Insured for a period of 7 or fewer consecutive days. A separate limit of insurance applies to this coverage as described in the LIMITS OF INSURANCE Section. C. LIMITS OF INSURANCE is amended to delete Paragraph 6. (the Damage To Premises Rented To You Limit)and replace it with the following: 6. Subject to Paragraph S. above, (the Each Occurrence Limit), the Damage To Premises Rented To You Limit is the most the Insurer will pay under COVERAGE A for damages because of property damage to: a. any one premises while rented to a Named Insured or temporarily occupied by a Named Insured with the permission of the owner;and b. contents of such premises if the premises is rented to the Named Insured for a period of 7 or fewer consecutive days. The Damage To Premises Rented To You Limit is $1,000,000. unless a higher Damage to Premises Rented to You Limit is shown in the Declarations. D. The Other Insurance Condition is amended to delete Paragraph b.(1)(a)(ii),and replace it with the following: (ii) That is property insurance for premises rented to a Named Insured,for premises temporarily occupied by the Named Insured with the permission of the owner; or for personal property of others in the Named Insured's care,custody or control; E. This Provision 11.does not apply if liability for damage to premises rented to a Named Insured is excluded by another endorsement attached to this Coverage Part. 12. MEDICAL PAYMENTS A. LIMITS OF INSURANCE is amended to delete Paragraph 7. (the Medical Expense Limit) and replace it with the following: 7. Subject to Paragraph 5. above (the Each Occurrence Limit), the Medical Expense Limit is the most the Insurer will pay under Coverage C—Medical Payments for all medical expenses because of bodily injury sustained by any one person.The Medical Expense Limit is the greater of: (1) $15,000 unless a different amount is shown here: or (2) the amount shown in the Declarations for Medical Expense Limit. CNA75102XX(1-15) Policy No; 7036373730 Page 10 of 14 Endorsement No, 6 Nat 'l Fire Ins Co of Hartford Effective Date; 03/01/2025 Insured Name:ADMINSU'RE, INC. Capyright CNAAII Rights Reserved. Indudes copyrighted material of Insurance Services Office,Inc.,wf h its permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement B. Under COVERAGES, the Insuring Agreement of Coverage C — Medical Payments is amended to replace Paragraph 1.a.(3)(b)with the following: (b) The expenses are incurred and reported to the Insurer within three years of the date of the accident;and 13. NON-OWNED AIRCRAFT Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended as follows: The exclusion entitled Aircraft,Auto or Watercraft is amended to add the following: This exclusion does not apply to an aircraft not owned by any Named Insured,provided that: 1. the pilot In command holds a currently effective certificate issued by the duly constituted authority of the United States of America or Canada,designating that parson as a commercial or airline transport pilot; 2, the aircraft is rented with a trained, paid crew to the Named Insured; and 3. the aircraft is not being used to carry persons or property for a charge. 14. NON-OWNED WATERCRAFT Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete subparagraph (2) of the exclusion entitled Aircraft, Auto or Watercraft, and replace it with the following. This exclusion does not apply to: (2) a watercraft that is not owned by any Named Insured,provided the watercraft is: (a) less than 75 feet long: and (b) not being used to carry persons or property for a charge. 15. PERSONAL AND ADVERTISING INJURY—DISCRIMINATION OR HUMILIATION A. Under DEFINITIONS,the definition of personal and advertising injury is amended to add the following tort: r Discrimination or humiliation that results in injury to the feelings or reputation of a natural person. m B. Under COVERAGES, Coverage B — Personal and Advertising Injury Liability, the paragraph entitled Exclusions is amended to: 1. delete the Exclusion entitled Knowing Violation Of Rights Of Another and replace it with the following: S This insurance does not apply to: Knowing Violation of Rights of Another _ Personal and advertising injury caused by or at the direction of the insured with the knowledge that the.act ® would violate the rights of another and would inflict personal and advertising injury.This exclusion shall not apply to discrimination or humiliation that results in injury to the feelings or reputation of a natural person, but only If such discrimination or humiliation is not done intentionally by or at the direction of: (a) the Named Insured;or (b) any executive officer, director, stockholder, partner, member or manager (if the Named Insured is a limited liability company)of the.Named Insured. CNA75102XX(1-15) Policy No; 7036373730 Page 11 of 14 Endorsement No: 6 Nat'l Fire Ins Co of Hartford Effective Date: 01/01/2025 Insured Name:AIDMINSURE, INC. Copyright CNA All Rights Reserved. Includes copyrighted mallerial of Insurance Services Office,Inc.,with its permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement 2. add the following exclusions: This insurance does not apply to: Employment Related Discrimination Discrimination or humiliation directly or indirectly related to the employment, prospective employment, past employment or termination of employment of any person by any Insured. Premises Related Discrimination discrimination or humiliation arising out of the sale, rental, lease or sub-lease or prospective sale, rental, lease or sub-lease of any room, dwelling or premises by or at the direction of any Insured. Notwithstanding the above, there is no coverage for fines or penalties levied or imposed by a governmental entity because of discrimination. The coverage provided by this PERSONAL AND ADVERTISING INJURY —DISCRIMINATION OR HUMILIATION Provision does not apply to any person or organization whose status as an Insured derives solely from • Provision 1.ADDITIONAL INSUREDS of this endorsement; or • attachment of an additional insured endorsement to this Coverage Part. 16. PERSONAL AND ADVERTISING INJURY-LIMITED CONTRACTUAL LIABILITY A. Under COVERAGES, Coverage B —Personal and Advertising Injury Liability, the paragraph entitled Exclusions is amended to delete the exclusion entitled Contractual Liability and replace it with the following: This insurance does not apply to: Contractual Liability Personal and advertising injury for which the Insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages: (1) that the Insured would have in the absence of the contract or agreement;or (2) assumed in a contract or agreement that is an Insured contract provided the offense that caused such personal or advertising Injury first occurred subsequent to the execution of such insured contract. Solely for the purpose of liability assumed in an Insured contract, reasonable attorney fees and necessary litigation expenses incurred by or for a party other than an Insured are deemed to be damages because of personal and advertising Injury provided: (a) liability to such party for, or for the cost of, that party's defense has also been assumed in such insured contract;and (b) such attorney fees and litigation expenses are for defense of such party against a civil or alternative dispute resolution proceeding in which covered damages are alleged. B. Solely for the purpose of the coverage provided by this paragraph, DEFINITIONS is amended to delete the definition of insured contract in its entirety, and replace it with the following: Insured contract means that part of a written contract or written agreement pertaining to the Named Insured's business under which the Named Insured assumes the tort liability of another party to pay for personal or advertising Injury arising out of the offense of false arrest, detention or imprisonment. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. CNA76102XX(1-15) Policy No: 7036373730 Page 12 of 14 Endorsement No: s Nat'l Fire Ins Co of Hartford Effective Date: 01./01/2025 Insured Name:ADMINSURE, INC. Gopynght GNA All Rights Reserved Includes cnpydghled material of Insurance Services 0f iD,-,Inc.,wdh its permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement C. Solely for the purpose of the coverage provided by this paragraph,the following changes are made to the Section entitled SUPPLEMENTARY PAYMENTS—COVERAGES A AND B: 1. Paragraph 2.d.is replaced by the following: d. The allegations in the suit and the Information the Insurer knows about the offense alleged in such suit are such that no conflict appears to exist between the interests of the Insured and the interests of the indemnitee; 2. The first unnumbered paragraph beneath Paragraph 2.1.(2)(b)is deleted and replaced by the following: So long as the above conditions are met, attorneys fees incurred by the Insurer in the defense of that indemnitee,necessary litigation expenses Incurred by the Insurer, and necessary litigation expenses incurred by the Indemnitee at the Insurer's request will be paid as defense costs. Notwithstanding the provisions of Paragraph e.(2)of the Contractual Liability exclusion (as amended by this Endorsement), such payments will not be deemed to be damages for personal and advertising injury and will not reduce the limits of insurance. D. This PERSONAL AND ADVERTISING INJURY-LIMITED CONTRACTUAL LIABILITY Provision does not apply if Coverage B—Personal and Advertising Injury Liability is excluded by another endorsement attached to this Coverage Part. 17. PROPERTY DAMAGE—ELEVATORS A. Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended such that the Damage to Your Product Exclusion and subparagraphs(3), (4)and(6) of the Damage to Property Exclusion do not apply to property damage that results from the use of elevators. B. Solely for the purpose of the coverage provided by this PROPERTY DAMAGE — ELEVATORS Provision, the Other Insurance conditions is amended to add the following paragraph: This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis that is Property insurance covering property of others damaged from the use of elevators. 18. SUPPLEMENTARY PAYMENTS The section entitled SUPPLEMENTARY PAYMENTS—COVERAGES A AND B is amended as follows: M A. Paragraph 1.b.is amended to delete the$250 limit shown for the cost of bail bonds and replace it with a $5,000. limit;and B. Paragraph 1.d. is amended to delete the limit of $250 shown for daily loss of earnings and replace it with a 9 $1,000.limit. 19. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS If the Named Insured unintentionally fails to disclose all existing hazards at the inception date of the Named Insured's Coverage fart,the Insurer will not deny coverage under this Coverage Part because of such failure. 20. WAIVER OF SUBROGATION-BLANKET Under CONDITIONS, the condition entitled Transfer Of Rights Of Recovery Against Others To Us is amended to add the following: The Insurer waives any right of recovery the Insurer may have against any person or organization because of payments the Insurer makes for injury or damage arising out of: 1. the Named Insured's ongoing operations; or 2. your work included in the products--completed operations hazard. CNA75102XX(1-15) Policy No: 7036373730 Page 13 of 14 Endorsement No: 6 Nat'l Fire has Co of Hartford Effective Date: 01/01/2025 Insured!Name:ADMTNSURE, TNC. Copyright CNAAII Rights Reserved. includes copyrighted rrWerial of Insurance Services Office,Inc.,with its permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement However,this waiver applies only when the Named Insured has agreed in writing to waive such rights of recovery in a written contract or written agreement,and only if such contract or agreement: 1. Is in effect or becomes effective during the term of this Coverage Part;and 2. was executed prior to the bodily injury, property damage,or personal and advertising injury giving rise to the claim. All other terms and conditions of the Policy remain unchanged. This endorsement,which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated In said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA75102XX(1-15) Policy No: 7036373730 Page 14 of 14 Endorsement No: 6 Nat'l Fire Ins Co of Hartford Effective Date: 01/01/2025 Insured Name:ADWNSURF, INC. Copyright CNA All Rights Roseaved. Indudes copyrighted material of Insurance Senates Office,Inc.,with its permission. CNA CNA PARAMOUNT Additional Insured - Owners, Lessees Or Contractors - Completed Operations This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or O anization s CITY OF NATIONAL CITY �i 0 M n f7 QA Nei d g CG 20 37 12 19 Policy No; 7036373730 Page 1 of 2 Endorsement No: 7 Nat'l Fire Inc Co of Hartford Effective Date: 01/01/2025 Insured Nape:ADMINSURE, INC. Copydghtlnsurarm SeMom Office,Ina,2018 CNA CNA PARAMOUNT Additional Insured - Owners, Lessees Or Contractors - Completed Operations Location And Descri tion Of Cam leted 0 erations Information required to complete this Schedule, if not shown above,will be shown in the Declarations. A. Section II — Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for bodily injury or property damage caused, in whole or in part, by your work at the location designated and described in the Schedule of this endorsement performed for that additional insured and included in the products-completed operations hazard. However: 1. The insurance afforded to such additional insured only applies to the extent permitted bylaw:and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds, the following is added to Section III—Limits Of Insurance; If coverage provided to the additional insured is required by a contract or agreement,the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement;or 2. Available under the applicable limits of insurance; whichever is less. This endorsement shall not increase the applicable limits of insurance. CG203712 19 Polley No: 7036373730 Page 2 of 2 Endorsement No: 7 Nat'l Fire ins Co of Hartford Effective Date: 01/01/2025 Insured Name:ADMINSURE, INC. Copyright Insurance Services Office,Inc.,2018 712/18/2025 E(MM/DD/YYYY) ACOR" 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: Digital Insurance LLC-Clayton, MO PHONE FAX 8235 Forsyth Blvd#1200 A/C No Ext: 314-746-4700 A/C,No:314-889-3700 Clayton MO 63105 ADDRESS: INSURER(S)AFFORDING COVERAGE NAIC# License#:8012081 INSURERA: National Fire Ins Co Of Hartford 20478 INSURED ADMIINC-01 INSURERB: Continental Insurance Company 35289 AdminSure, Inc. 3380 Shelby St INsuRERc: Hartford Fire Ins Co 19682 Ontario CA 91764 INSURERD: Evanston Ins Co 35378 INSURERE: QBE Specialty 11515 INSURER F: COVERAGES CERTIFICATE NUMBER:1092020042 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 POLICY NUMBER MM/DD MM/DD A X COMMERCIAL GENERAL LIABILITY Y Y 7036373730 1/1/2026 1/1/2027 EACH OCCURRENCE $1,000,000 CLAIMS-MADE � OCCUR PREMISES DAMAGE TO PREMISES Ea occurrence) ccurrence $100,000 MED EXP(Any one person) $15,000 PERSONAL&ADV INJURY $1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000,000 POLICY� PRO- � LOC PRODUCTS-COMP/OP AGG $2,000,000 OTHER: $ A AUTOMOBILE LIABILITY Y Y 7036373744 1/1/2026 1/1/2027 COMBINED SINGLE LIMIT $1,000,000 Ea accident ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS X HIRED X NON-OWNED FIR ERTYDAMAGE $ AUTOS ONLY AUTOS ONLY Per accident B X UMBRELLALIAB X OCCUR 7036373761 1/1/2026 1/1/2027 EACH OCCURRENCE $6,000,000 EXCESS LAB CLAIMS-MADE AGGREGATE $6,000,000 DED X RETENTION$1 n nnn $ C WORKERS COMPENSATION Y 84WEBC3WUM 1/1/2026 1/1/2027 X PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTEI ER ANYPROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $1,000,000 OFFICE R/M EMBER 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 MKLV7PE0004322 1/1/2026 1/1/2027 Each Claim/Agg 5,000,000 E Cyber Liability CELP001940274826300 1/1/2026 1/1/2027 Each Claim/Agg 4,000,000 Digitally signed DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,maybe attached if more space is required) Nguyen Crime Liability Insurer: Atlantic Specialty Insurance Company Nguyen Date:2025.12.24 Policy No: MML0092160126 08:44:40-08'00' Effective Dates: 1/1/2026-1/1/2027 Per Occurrence Limit: $2,000,000 City of Santa Ana, its City Council,officers,officials,employees,agents,and volunteers are named additional insured as respects General Liability and Automobile Liability.Waiver of Subrogation is applicable as respects General Liability,Auto Liability,and Workers Compensation. APPROVED CERTIFICATE HOLDER CANCELLATION By Tu Tran Nguyen at 8:43 am,Dec 24,2025 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City Of Santa Ana ACCORDANCE WITH THE POLICY PROVISIONS. Attn: Human Resources Dept 20 Civic Center Plaza AUTHORIZED REPRESENTATIVE Santa Ana CA 92701 USA ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD CNA Business Auto Policy Policy Endorsement COVERAGEI EXTENDED FOR HIRED AND NON-OWNEDAUTOS It is understood and agreed that this endorsement amends the BUSINESS AUTO COVERAGE FORM as follows. If any other endorsement attached to this policy amends any provision also amended by this endorsement, then that other endorsement controls with respect to such provision, and the changes made by this endorsement to such provision do not apply. TABLE OF CONTENTS I. AMENDMENTS TO LIABILITY COVERAGE A. Who Is An Insured 1. Majority Owned Corporations 2. Newly Acquired Organizations 3. Additional Insureds Required By Written Contracts 4. Employee-Hired Autos B. Increased Loss of Earnings Allowance C. Fellow Employee Coverage II. AMENDMENTS TO PHYSICAL DAMAGE COVERAGE A. Increased Loss of Use Expense B. Broadened Electronic Equipment Coverage III. AMENDMENTS TO BUSINESS AUTO CONDITIONS A. Knowledge of Accident or Loss B. Knowledge of Documents C. Waiver of Subrogation D. Unintentional Failure To Disclose Hazards E. Primary and Non-Contributory When Required By Contract IV. AMENDMENTS TO DEFINITIONS A. Broadened Bodily Injury I. AMENDMENTS TO LIABILITY COVERAGE A. Amendments to Who Is An Insured Under SECTION II — COVERED AUTOS LIABILITY COVERAGE, the paragraph entitled Who Is An Insured is amended to add the following: 1. Majority Owned Corporations Any incorporated entity in which you own a majority of the voting stock on the inception date of this Coverage Form is an insured, but only if such entity is not an insured under any other liability "policy" that provides auto coverage. 2. Newly Acquired Organizations Form No: CNA83700XX (10-2015) Policy No: BUA 7036373744 Endorsement Effective Date: Endorsement Expiration Date: Policy Effective Date: 01/01/2026 Endorsement No: 11; Page: 1 of 4 Policy Page: 50 of 62 Underwriting Company: National Fire Insurance Company of Hartford, 151 N Franklin St, Chicago, IL 60606 ©Copyright CNA All Rights Reserved. CNA Business Auto Policy Policy Endorsement Any organization you newly acquire or form during the policy period, other than a limited liability company, partnership or joint venture, and in which you maintain majority ownership interest is an insured, but only if such organization is not an insured under any other liability "policy" that provides auto coverage. The insurance afforded by this provision: a. Is effective on the date of acquisition or formation of the organization, and applies until: (1) The end of the policy period of this Coverage Form; or (2) The next anniversary of this Coverage Form's inception date, whichever is earlier; and b. Does not apply to bodily injury or property damage caused by an accident that occurred before you acquired or formed the organization. 3. Additional Insureds Required By Written Contract Any person or organization that you are required by written contract to make an additional insured under this insurance is an insured, but only with respect to that person or organization's legal liability for acts or omissions of a person who qualifies as an insured for Liability Coverage under SECTION II - WHO IS AN INSURED of this Coverage Form. 4. Employee-Hired Autos Any employee of yours is an insured while operating with your permission an auto hired or rented under a contract in that employee's name, while performing duties related to the conduct of your business. With respect to provisions A.1. and A.2. above, "policy" includes those policies that were in force on the inception date of this Coverage Form, but: i. Which are no longer in force; or ii. Whose limits have been exhausted. B. Increased Loss of Earnings Allowance Under SECTION II — COVERED AUTOS LIABILITY COVERAGE, the paragraph entitled Coverage Extensions is amended under Supplementary Payment subparagraph (4) to delete the $250. a day limit for loss of earnings and replace it with a $500. a day limit. C. Fellow Employee Coverage Under SECTION II — COVERED AUTOS LIABILITY COVERAGE, the paragraph entitled Exclusions is amended to delete the exclusion entitled Fellow Employee. II. AMENDMENTS TO PHYSICAL DAMAGE COVERAGE A. Increased Loss of Use Expense Under SECTION III — PHYSICAL DAMAGE COVERAGE, the paragraph entitled Coverage Extensions is amended under Loss of Use Expenses to delete the maximum of $600., and replace it with a maximum of $800. B. Broadened Electronic Equipment Coverage Under SECTION III — PHYSICAL DAMAGE COVERAGE, the paragraph entitled Exclusions is amended to delete paragraphs 5.a through 5.d. in their entirety, and replace them with the following: 5. Exclusions 4.c. and 4.d. above do not apply to loss to any electronic equipment that at the time of loss is: Form No: CNA83700XX (10-2015) Policy No: BUA 7036373744 Endorsement Effective Date: Endorsement Expiration Date: Policy Effective Date: 01/01/2026 Endorsement No: 11; Page: 2 of 4 Policy Page: 51 of 62 Underwriting Company: National Fire Insurance Company of Hartford, 151 N Franklin St, Chicago, IL 60606 ©Copyright CNA All Rights Reserved. CNA Business Auto Policy Policy Endorsement a. Permanently installed in or upon a covered auto, nor to such equipment's antennas or other accessories used with such equipment. A $100 deductible applies to this provision, and supersedes any otherwise applicable deductible; or b. Designed to be operated solely by use of the power from the auto's electrical system and is: (1) Removable from a housing unit which is permanently installed in or upon the covered auto; (2) An integral part of the same unit housing any electronic equipment described in paragraphs a. or b.(1) above; or (3) Necessary for the normal operation of the covered auto or the monitoring of the covered auto's operating system. III. AMENDMENTS TO BUSINESS AUTO CONDITIONS A. Knowledge of Accident or Loss Under BUSINESS AUTO CONDITIONS, the Loss Condition entitled Duties In the Event of Accident, Claims, Suit, or Loss is amended to add the following subparagraph a.(4): (4) If your employees know of an accident or loss, this will not mean that you have such knowledge until such accident or loss is known to a natural person Named Insured, to a partner, executive officer, manager or member of a Named Insured, or to an employee designated by any of the above to be your insurance manager. B. Knowledge of Documents Under BUSINESS AUTO CONDITIONS, the Loss Condition entitled Duties In the Event of Accident, Claims, Suit, or Loss is amended to add the following subparagraph b.(6): (6) If your employees know of documents concerning a claim or suit, this will not mean that you have such knowledge until such documents are known to a natural person Named Insured, to a partner, executive officer, manager or member of a Named Insured, or to an employee designated by any of the above to be your insurance manager. C. Waiver of Subrogation Under BUSINESS AUTO CONDITIONS, the Loss Condition entitled Transfer Of Rights Of Recovery Against Others To Us is amended to add the following: We waive any right of recovery we may have, because of payments we make for injury or damage, against any person or organization for whom or which you are required by written contract or agreement to obtain this waiver from us. This injury or damage must arise out of your activities under a contract with that person or organization. You must agree to that requirement prior to an accident or loss. D. Unintentional Failure To Disclose Hazards Under BUSINESS AUTO CONDITIONS, the General Condition entitled Concealment, Misrepresentation or Fraud is amended to add the following: Your failure to disclose all hazards existing on the inception date of this Coverage Form shall not prejudice you with respect to the coverage provided by this insurance, provided such failure or omission is not intentional. E. Primary and Non-Contributory When Required By Contract Under BUSINESS AUTO CONDITIONS, the General Condition entitled Other Insurance is amended to add the following: Form No: CNA83700XX (10-2015) Policy No: BUA 7036373744 Endorsement Effective Date: Endorsement Expiration Date: Policy Effective Date: 01/01/2026 Endorsement No: 11; Page: 3 of 4 Policy Page: 52 of 62 Underwriting Company: National Fire Insurance Company of Hartford, 151 N Franklin St, Chicago, IL 60606 ©Copyright CNA All Rights Reserved. CNA Business Auto Policy Policy Endorsement Notwithstanding provisions 5.a. through 5.d. above, the coverage provided by this Coverage Form shall be on a primary and non-contributory basis when required to be so by a written contract entered into prior to accident or loss. IV. AMENDMENTS TO DEFINITIONS A. Broadened Bodily Injury Under DEFINITIONS, the definition of bodily injury is deleted and replaced by the following: Bodily injury means physical injury, sickness or disease sustained by a person, including death, mental anguish or mental injury sustained by that person which results as a consequence of the physical injury, sickness or disease. All other terms and conditions of the policy remain unchanged This endorsement, which forms a part of and is for attachment to the policy issued by the designated Insurers, takes effect on the Policy Effective date of said policy at the hour stated in said policy, unless another effective date (the Endorsement Effective Date) is shown below, and expires concurrently with said policy. Form No: CNA83700XX (10-2015) Policy No: BUA 7036373744 Endorsement Effective Date: Endorsement Expiration Date: Policy Effective Date: 01/01/2026 Endorsement No: 11; Page: 4 of 4 Policy Page: 53 of 62 Underwriting Company: National Fire Insurance Company of Hartford, 151 N Franklin St, Chicago, IL 60606 ©Copyright CNA All Rights Reserved. CNA Business Auto Policy Policy Endorsement LESSOR - ADDITIONAL INSURED AND LOSS PAYEE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the Policy effective on the inception date of the Policy unless another date is indicated below. Named Insured: ADMINSURE, INC. Endorsement Effective Date: 01/01/2026 SCHEDULE Insurance Company: National Fire Insurance Company of Hartford Policy Number: 7036373744 Effective Date: 01/01/2026 Expiration Date: 01/01/2027 Named Insured: ADMINSURE, INC. Address: 3380 SHELBY ST ONTARIO, CA 91764-5566 Additional Insured (Lessor): Address: Designation Or Description Of "Leased Autos": Coverages Limit Of Insurance Or Deductible Liability $1,000,000 Each"Accident" Comprehensive Deductible For Each Covered "Leased Auto" Collision Deductible For Each Covered "Leased Auto" Specified Causes Of Loss Deductible For Each Covered "Leased Auto" Information required to complete this Schedule, if not shown above, will be shown in the Declarations. Form No: CA 20 01 11 20 Policy No: BUA 7036373744 Endorsement Effective Date: Endorsement Expiration Date: Policy Effective Date: 01/01/2026 Endorsement No: 3; Page: 1 of 2 Policy Page: 40 of 62 Underwriting Company: National Fire Insurance Company of Hartford, 151 N Franklin St, Chicago, IL 60606 ©Copyright Insurance Services Office, Inc., 2019 CMA Business Auto Policy Policy Endorsement A. Coverage 1. Any "leased auto" designated or described in the Schedule will be considered a covered "auto" you own and not a covered "auto" you hire or borrow. 2. For a "leased auto" designated or described in the Schedule, the Who Is An Insured provision under Covered Autos Liability Coverage is changed to include as an "insured" the lessor named in the Schedule. However, the lessor is an "insured" only for "bodily injury" or "property damage" resulting from the acts or omissions by: a. You; b. Any of your "employees" or agents; or c. Any person, except the lessor or any "employee" or agent of the lessor, operating a "leased auto" with the permission of any of the above. 3. The coverages provided under this endorsement apply to any "leased auto" described in the Schedule until the expiration date shown in the Schedule, or when the lessor or his or her agent takes possession of the "leased auto", whichever occurs first. B. Loss Payable Clause 1. We will pay, as interest may appear, you and the lessor named in this endorsement for "loss" to a "leased auto". 2. The insurance covers the interest of the lessor unless the "loss" results from fraudulent acts or omissions on your part. 3. If we make any payment to the lessor, we will obtain his or her rights against any other party. C. Cancellation 1. If we cancel the Policy, we will mail notice to the lessor in accordance with the Cancellation Common Policy Condition. 2. If you cancel the Policy, we will mail notice to the lessor. 3. Cancellation ends this agreement. D. The lessor is not liable for payment of your premiums. E. Additional Definition As used in this endorsement: "Leased auto" means an "auto" leased or rented to you, including any substitute, replacement or extra "auto" needed to meet seasonal or other needs, under a leasing or rental agreement that requires you to provide direct primary insurance for the lessor. Form No: CA 20 01 11 20 Policy No: BUA 7036373744 Endorsement Effective Date: Endorsement Expiration Date: Policy Effective Date: 01/01/2026 Endorsement No: 3; Page: 2 of 2 Policy Page: 41 of 62 Underwriting Company: National Fire Insurance Company of Hartford, 151 N Franklin St, Chicago, IL 60606 ©Copyright Insurance Services Office, Inc., 2019 CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement 1. ADDITIONAL INSUREDS a. WHO IS AN INSURED is amended to include as an Insured any person or organization described in paragraphs A. through K. below whom a Named Insured is required to add as an additional insured on this Coverage Part under a written contract or written agreement, provided such contract or agreement: (1) is currently in effect or becomes effective during the term of this Coverage Part; and (2) was executed prior to: (a) the bodily injury or property damage; or (b) the offense that caused the personal and advertising injury, for which such additional insured seeks coverage. b. However, subject always to the terms and conditions of this policy, including the limits of insurance, the Insurer will not provide such additional insured with: (1) a higher limit of insurance than required by such contract or agreement; or (2) coverage broader than required by such contract or agreement, and in no event broader than that described by the applicable paragraph A.through K. below. Any coverage granted by this endorsement shall apply only to the extent permissible by law. A. Controlling Interest Any person or organization with a controlling interest in a Named Insured, but only with respect to such person or organization's liability for bodily injury, property damage or personal and advertising injury arising out of: 1. such person or organization's financial control of a Named Insured; or 2. premises such person or organization owns, maintains or controls while a Named Insured leases or occupies such premises; provided that the coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by, on behalf of, or for such additional insured. B. Co-owner of Insured Premises A co-owner of a premises co-owned by a Named Insured and covered under this insurance but only with respect to such co-owner's liability for bodily injury, property damage or personal and advertising injury as co-owner of such premises. C. Grantor of Franchise Any person or organization that has granted a franchise to a Named Insured, but only with respect to such person or organization's liability for bodily injury, property damage or personal and advertising injury as grantor of a franchise to the Named Insured. D. Lessor of Equipment Any person or organization from whom a Named Insured leases equipment, but only with respect to liability for bodily injury, property damage or personal and advertising injury caused, in whole or in part, by the Named Insured's maintenance, operation or use of such equipment, provided that the occurrence giving rise to such bodily injury, property damage or the offense giving rise to such personal and advertising injury takes place prior to the termination of such lease. CNA75102XX(1-15) Policy No: 7036373730 Page 2 of 14 Endorsement No: 6 Nat 'l Fire Ins Co of Hartford Effective Date: 01/01/2026 Insured Name:ADMINSURE, INC . Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office,Inc.,with its permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement E. Lessor of Land Any person or organization from whom a Named Insured leases land but only with respect to liability for bodily injury, property damage or personal and advertising injury arising out of the ownership, maintenance or use of such land, provided that the occurrence giving rise to such bodily injury, property damage or the offense giving rise to such personal and advertising injury takes place prior to the termination of such lease. The coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by, on behalf of, or for such additional insured. F. Lessor of Premises An owner or lessor of premises leased to the Named Insured, or such owner or lessor's real estate manager, but only with respect to liability for bodily injury, property damage or personal and advertising injury arising out of the ownership, maintenance or use of such part of the premises leased to the Named Insured, and provided that the occurrence giving rise to such bodily injury or property damage, or the offense giving rise to such personal and advertising injury, takes place prior to the termination of such lease. The coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by, on behalf of, or for such additional insured. G. Mortgagee,Assignee or Receiver A mortgagee, assignee or receiver of premises but only with respect to such mortgagee, assignee or receiver's liability for bodily injury, property damage or personal and advertising injury arising out of the Named Insured's ownership, maintenance, or use of a premises by a Named Insured. The coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by, on behalf of, or for such additional insured. H. State or Governmental Agency or Subdivision or Political Subdivisions—Permits A state or governmental agency or subdivision or political subdivision that has issued a permit or authorization but only with respect to such state or governmental agency or subdivision or political subdivision's liability for bodily injury, property damage or personal and advertising injury arising out of: 1. the following hazards in connection with premises a Named Insured owns, rents, or controls and to which N N this insurance applies: 0 a. the existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoistaway openings, sidewalk 0 vaults, street banners, or decorations and similar exposures; or N b. the construction, erection, or removal of elevators; or c. the ownership, maintenance or use of any elevators covered by this insurance; or 2. the permitted or authorized operations performed by a Named Insured or on a Named Insured's behalf. The coverage granted by this paragraph does not apply to: a. Bodily injury, property damage or personal and advertising injury arising out of operations performed for the state or governmental agency or subdivision or political subdivision; or b. Bodily injury or property damage included within the products-completed operations hazard. With respect to this provision's requirement that additional insured status must be requested under a written contract or agreement, the Insurer will treat as a written contract any governmental permit that requires the Named Insured to add the governmental entity as an additional insured. CNA75102XX(1-15) Policy No: 7036373730 Page 3 of 14 Endorsement No: 6 Nat 'l Fire Ins Co of Hartford Effective Date: 01/01/2026 Insured Name:ADMINSURE, INC . Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office,Inc.,with its permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement I. Trade Show Event Lessor 1. With respect to a Named Insured's participation in a trade show event as an exhibitor, presenter or displayer, any person or organization whom the Named Insured is required to include as an additional insured, but only with respect to such person or organization's liability for bodily injury, property damage or personal and advertising injury caused by: a. the Named Insured's acts or omissions; or b. the acts or omissions of those acting on the Named Insured's behalf, in the performance of the Named Insured's ongoing operations at the trade show event premises during the trade show event. 2. The coverage granted by this paragraph does not apply to bodily injury or property damage included within the products-completed operations hazard. J. Vendor Any person or organization but only with respect to such person or organization's liability for bodily injury or property damage arising out of your products which are distributed or sold in the regular course of such person or organization's business, provided that: 1. The coverage granted by this paragraph does not apply to: a. bodily injury or property damage for which such person or organization is obligated to pay damages by reason of the assumption of liability in a contract or agreement unless such liability exists in the absence of the contract or agreement; b. any express warranty unauthorized by the Named Insured; c. any physical or chemical change in any product made intentionally by such person or organization; d. repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; e. any failure to make any inspections, adjustments, tests or servicing that such person or organization has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products; f. demonstration, installation, servicing or repair operations, except such operations performed at such person or organization's premises in connection with the sale of a product; g. products which, after distribution or sale by the Named Insured, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for such person or organization; or h. bodily injury or property damage arising out of the sole negligence of such person or organization for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (1) the exceptions contained in Subparagraphs d.or f.above; or (2) such inspections, adjustments, tests or servicing as such person or organization has agreed with the Named Insured to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. CNA75102XX(1-15) Policy No: 7036373730 Page 4 of 14 Endorsement No: 6 Nat 'l Fire Ins Co of Hartford Effective Date: 01/01/2026 Insured Name:ADMINSURE, INC . Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office,Inc.,with its permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement 2. This Paragraph J. does not apply to any insured person or organization, from whom the Named Insured has acquired such products, nor to any ingredient, part or container, entering into, accompanying or containing such products. 3. This Paragraph J.also does not apply: a. to any vendor specifically scheduled as an additional insured by endorsement to this Coverage Part; b. to any of your products for which coverage is excluded by endorsement to this Coverage Part; nor c. if bodily injury or property damage included within the products-completed operations hazard is excluded by endorsement to this Coverage Part. K. Other Person Or Organization Any person or organization who is not an additional insured under Paragraphs A. through J. above. Such additional insured is an Insured solely for bodily injury, property damage or personal and advertising injury for which such additional insured is liable because of the Named Insured's acts or omissions. The coverage granted by this paragraph does not apply to any person or organization: 1. for bodily injury, property damage, or personal and advertising injury arising out of the rendering or failure to render any professional service; 2. for bodily injury or property damage included within the products-completed operations hazard; nor 3. who is specifically scheduled as an additional insured on another endorsement to this Coverage Part. 2. ADDITIONAL INSURED-PRIMARY AND NON-CONTRIBUTORY TO ADDITIONAL INSURED'S INSURANCE A. The Other Insurance Condition in the COMMERCIAL GENERAL LIABILITY CONDITIONS Section is amended to add the following paragraph: If the Named Insured has agreed in writing in a contract or agreement that this insurance is primary and non- contributory relative to an additional insured's own insurance, then this insurance is primary, and the Insurer will not seek contribution from that other insurance. For the purpose of this Provision 2., the additional insured's own insurance means insurance on which the additional insured is a named insured. N W B. With respect to persons or organizations that qualify as additional insureds pursuant to paragraph 1.K. of this endorsement, the following sentence is added to the paragraph above: Otherwise, and notwithstanding anything to the contrary elsewhere in this Condition, the insurance provided to N such person or organization is excess of any other insurance available to such person or organization. 0 0 T 3. BODILY INJURY—EXPANDED DEFINITION Under DEFINITIONS, the definition of bodily injury is deleted and replaced by the following: Bodily injury means physical injury, sickness or disease sustained by a person, including death, humiliation, shock, mental anguish or mental injury sustained by that person at any time which results as a consequence of the physical injury, sickness or disease. 4. BROAD KNOWLEDGE OF OCCURRENCE/NOTICE OF OCCURRENCE Under CONDITIONS, the condition entitled Duties in The Event of Occurrence, Offense, Claim or Suit is amended to add the following provisions: A. BROAD KNOWLEDGE OF OCCURRENCE The Named Insured must give the Insurer or the Insurer's authorized representative notice of an occurrence, offense or claim only when the occurrence, offense or claim is known to a natural person Named Insured, to a CNA75102XX(1-15) Policy No: 7036373730 Page 5 of 14 Endorsement No: 6 Nat 'l Fire Ins Co of Hartford Effective Date: 01/01/2026 Insured Name:ADMINSURE, INC . Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office,Inc.,with its permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement C. Solely for the purpose of the coverage provided by this paragraph, the following changes are made to the Section entitled SUPPLEMENTARY PAYMENTS—COVERAGES A AND B: 1. Paragraph 2.d. is replaced by the following: d. The allegations in the suit and the information the Insurer knows about the offense alleged in such suit are such that no conflict appears to exist between the interests of the Insured and the interests of the indemnitee; 2. The first unnumbered paragraph beneath Paragraph 21(2)(b)is deleted and replaced by the following: So long as the above conditions are met, attorneys fees incurred by the Insurer in the defense of that indemnitee, necessary litigation expenses incurred by the Insurer, and necessary litigation expenses incurred by the indemnitee at the Insurer's request will be paid as defense costs. Notwithstanding the provisions of Paragraph e.(2)of the Contractual Liability exclusion (as amended by this Endorsement), such payments will not be deemed to be damages for personal and advertising injury and will not reduce the limits of insurance. D. This PERSONAL AND ADVERTISING INJURY-LIMITED CONTRACTUAL LIABILITY Provision does not apply if Coverage B—Personal and Advertising Injury Liability is excluded by another endorsement attached to this Coverage Part. 17. PROPERTY DAMAGE—ELEVATORS A. Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended such that the Damage to Your Product Exclusion and subparagraphs (3), (4) and (6) of the Damage to Property Exclusion do not apply to property damage that results from the use of elevators. B. Solely for the purpose of the coverage provided by this PROPERTY DAMAGE — ELEVATORS Provision, the Other Insurance conditions is amended to add the following paragraph: This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis that is Property insurance covering property of others damaged from the use of elevators. 18. SUPPLEMENTARY PAYMENTS N The section entitled SUPPLEMENTARY PAYMENTS—COVERAGES A AND B is amended as follows: 0 A. Paragraph 1.b. is amended to delete the $250 limit shown for the cost of bail bonds and replace it with a $5,000. 0 limit; and N B. Paragraph 1.d. is amended to delete the limit of $250 shown for daily loss of earnings and replace it with a $1,000. limit. 19. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS If the Named Insured unintentionally fails to disclose all existing hazards at the inception date of the Named Insured's Coverage Part, the Insurer will not deny coverage under this Coverage Part because of such failure. 20. WAIVER OF SUBROGATION-BLANKET Under CONDITIONS, the condition entitled Transfer Of Rights Of Recovery Against Others To Us is amended to add the following: The Insurer waives any right of recovery the Insurer may have against any person or organization because of payments the Insurer makes for injury or damage arising out of: 1. the Named Insured's ongoing operations; or 2. your work included in the products-completed operations hazard. CNA75102XX(1-15) Policy No: 7036373730 Page 13 of 14 Endorsement No: 6 Nat 'l Fire Ins Co of Hartford Effective Date: 01/01/2026 Insured Name:ADMINSURE, INC . Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office,Inc.,with its permission. CNA CNA PARAMOUNT Financial Services - General Liability Extension Endorsement However, this waiver applies only when the Named Insured has agreed in writing to waive such rights of recovery in a written contract or written agreement, and only if such contract or agreement: 1. is in effect or becomes effective during the term of this Coverage Part; and 2. was executed prior to the bodily injury, property damage or personal and advertising injury giving rise to the claim. All other terms and conditions of the Policy remain unchanged. This endorsement,which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA75102XX(1-15) Policy No: 7036373730 Page 14 of 14 Endorsement No: 6 Nat 'l Fire Ins Co of Hartford Effective Date: 01/01/2026 Insured Name:ADMINSURE, INC . Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office,Inc.,with its permission. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT Policy Number: 84 WE BC3WUM Endorsement Number: Effective Date: 01/01/26 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address: ADMINSURE, INC. 3380 SHELBY ST ONTARIO CA 91764 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 shall not operate directly or indirectly to benefit anyone not named in the Schedule. SCHEDULE Any person or organization for whom you are required by contract or agreement to obtain this waiver from us. Endorsement is not applicable in KY, NH, NJ or for any MO construction risk Countersigned by Authorized Representative Form WC 00 03 13 Printed in U.S.A. Process Date: 10/16/25 Policy Expiration Date: 01/01/27 . sss THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number: 84 WE BC3WUM Endorsement Number: Effective Date: 01/01/26 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address: ADMINSURE, INC. 3380 SHELBY ST ONTARIO CA 91764 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 ��►YIC � Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date: 10/16/25 Policy Expiration Date: 01/01/27 it THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT Policy Number: 84 WE BC3WUM Endorsement Number: Effective Date: 01/01/26 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address: ADMINSURE, INC. 3380 SHELBY ST ONTARIO CA 91764 This endorsement applies only to the insurance provided respect to bodily injury arising out of the operations by the policy because Texas is shown in Item 3.A. of the described in the Schedule where you are required by a Information Page. written contract to obtain this waiver from us. We have the right to recover our payments from anyone This endorsement shall not operate directly or indirectly liable for an injury covered by this policy. We will not to benefit anyone not named in the Schedule. enforce our right against the person or organization The premium for this endorsement is shown in the named in the Schedule, but this waiver applies only with Schedule. Schedule 1. ( ) Special Waiver Name of person or organization (X) Blanket Waiver Any person or organization for whom the Named Insured has agreed by written contract to furnish this waiver. 2. Operations: All Texas Operations 3. Premium: The premium charge for this endorsement shall be 2 percent of the premium developed on payroll in connection with work performed for the above person(s) or organization(s) arising out of the operations described. 4. Advance Premium: Form WC 42 03 04 B Printed in U.S.A. Process Date: 10/16/25 Policy Expiration Date: 01/01/27