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HomeMy WebLinkAboutRINCON CONSULTANTS, INC. (13) i ;R:, .;;t A-2023-194-21 E (1 � D 1140 2_ _-_- MAYOR Valerie Amezcua CITY MANAGER MAYOR PRO TEM FEB Alvaro Nunez David Penaloza CITY ATTORNEY COUNCILMEMBERS Sonia R.Carvalho Phil Bacerra CITY CLERK Johnathan Ryan Hernandezja Jennifer L.Hall Jessie Lopez "'- Thai Viet Phan Benjamin Vazquez 0:POq ( m) CITY OF SANTA ANA Fray%wi&VW01V"l 07) PLANNING AND BUILDING AGENCY 20 Civic Center Plaza•P.O.Bax 1988 Santa Ana,California 92702 www.santa-ana.ora January 22,2026 Rincon Consultants,Inc. 250 East I"Street, Suite 1400 Los Angeles, California 90012 Re: Peer Review of ISIMND Class 32 Categorical Exemption and Supporting Technical Documents for 2001 East First Street Project Pursuant to Section 1 ("Scope of Services") of Agreement No. A-2023-194-21 entered into by Rincon Consultants, Inc. ("Consultant") and the City of Santa Ana, dated June 5,2024, Consultant hereby accepts this Letter Agreement for an assignment for on-call environmental and planning services for the project listed above. Consultant shall complete the services per the proposal (attached as Exhibit A to this Letter Agreement) by September 30, 2026. Compensation is subject to Section 2 of the Agreement and the total compensation for this assignment shall not exceed $19,579.00. All other terms and conditions of said Agreement remain unchanged and in full force and effect. If you have any questions regarding this project, please contact Nancy Tran in the Planning and Building Agency at(714)667-2740 or Ntran5 a,santa-ana.org. Sincerely, Ali Pezeshkpour Rincon Consultants,Inc. Executive Director Susanne Huerta Planning&Building Agency Director APPROVED AS TO FORM: Sonia R. Carvalho City Attorney 1�&A Melissa M. Crosthwaite Senior Assistant City Attorney SANTA ANA CITY COUNCIL Valerie Amezcua David Penaloza Thai Viet Phan Benjamin Vazquez Jessie Lopez Phil Bacerra Johnalhan Ryan Hernandez Mayor Mayor Pro Tem-Ward 6 Ward t Ward 2 Ward 9 Ward 4 Ward S va-mezcua(a�santa-ana.arg dvenalnzalalsanla-ana oro tnhan(alsanta-ana.am bvazouez[a)santa-ana,org iessialooazrn�5anta-ana.om vdacerra(atsanta-ana.oro irvanhemande_1anta-ana.orn Rincon Consultants, Inc. 250 East 1st Street, Suite 1400 Irr Los Angeles, California 90012 December 18, 2025 Rincon Project No. 25-18582 Nancy Tran, AICP' Senior Planner, Planning Division City of Santa Ana Planning and Building Agency(M-20) 20 Civic Center Plaza Santa Ana, California 92702 Submitted via email: ntran5@santa-ana.or� Subject: Proposal for the Peer Review of the 2001East First Street Class 32 Categorical Exemption and Supporting Technical Documents Dear Ms. Tran: Rincon Consultants, Inc. (Rincon)appreciatesthe opportunityto submit this proposal to assistthe City of Santa Ana (City) with a peer review of the Class 32 Categorical Exemption (CE) and supporting technical documents for the proposed 2001 East First Street Project("project°or"proposed project"), pursuant to the California Environmental Quality Act (CEQA). We have assembled a team of highly qualified environmental professionals with extensive technical qualifications as well as in-depth knowledge of current environmental and planning laws, regulations, and standards.The proposed Rincon staff have reviewed multiple environmental planning documents for numerous municipalities throughout southern California, including EIRs and supporting technical documents. Our professionals have extensive technical training and experience with land use and planning; regulatory compliance; air quality/greenhouse gases/energy; biological resources; cultural resources and recordation; paleontological resources; geology/soils; hazards and hazardous materials; hydrology and water quality; noise; transportation; wildfire; and mitigation and problem- solving strategies. CEQA is a core business area for Rincon and our firm has provided environmental consulting services for development projects for over 30 years. Our philosophy on all projects(including professional peer review of other's CEQA documents) is to encourage close communication between the City and Applicant/Consultant team (where appropriate)to ensure technical adequacy and timely review of CEQA documents and relevant materials. This approach has enabled us to identify and avoid costly and time-consuming constraints early in the environmental review process and to minimize or avoid potential conflicts with deadlines. Project Team Rincon has a team of experienced professionals that will act as an extension of staff and provide peer review services forthe Class 32 CE and supporting technical documents. Susanne Huerta will serve as the Director-in-Charge and will provide team leadership and be in charge of the overall peer review, including coordinatingthe technical staff and providing comments, suggestions and edits to all of the documents.Vanessa Villanueva will serve as the primary contact to the City and the day-to-day project www.ri nconcons a Itants.com City of Santa Ana rI a 2001 East First Street Project CEQA Peer Review management and coordination of the peer review Comment Matrix to be provided to the City. Additionally,we have identified Rincon in-house technical staff to review the technical components of Class 32 CE and supporting technical documents. This will provide for coordinated review of the documents, and a timely turn-around of work products. Resumes are available upon request. Project Understanding The project site is located at 2001 East First Street in the City of Santa Ana. Currently,the 1.4-acre project site is developed with a two-story office building with associated parking and landscaping.The project involves demolition of the office building, followed by construction of 36 residential units, including 14 row townhome units and 22 interlocked townhome units. The proposed project would retain the current land use designation of District Center - Medium High (DC-3),as well as the current zoning of Arterial Commercial(C-5)with a Metro East Mixed Use(MEMU) Overlay(OZ1).The project Applicant is requesting approval of a Tentative Tract Map,Site Plan Review, along with a density bonus and parking variance for implementation of the project. Rincon understands that the project Applicant has teamed with EPD Solutions, Inc. (EPD) for preparation of an exemption checklist that demonstrates the project qualifies for a Class 32 CE for infill development and confirms eligibility for a CEQA exemption pursuantto CEQA Guidelines Sections 15332 and 15300.2.As a third-party reviewer for the City, Rincon will provide thorough peer reviews of the environmental analyses to verify compliance with CEQA requirements. Environmental Approach Rincon's peer review of the Class 32 CE and technical documents will focus on methodology and assumptions employed as part of the environmental review, adherence to regulatory standards as appropriate, and consistency with the City's General Plan and Municipal Code.The peer review will be performed in accordance with the most current tenants of CEQA and recent CEQA case law, and the professional standard of practice of care in our industry.The review will be conducted with an eye for legal defensibility, exposure of the City to liability due to any errors and/or omissions,conclusions well supported by facts, observation, analysis or explanation, and for soundness and sufficiency in supporting analyses in the Class 32 CE.The peer review will also focus on ensuring that the analysis does not include any statements that may be perceived as biased on the part of the project applicant, FCS, or City, and that there is internal consistency between the various sections within the Class 32 CE and supporting technical analyses. Our approach is further described in our scope of work below. Task 1 Project Initiation and Management Rincon will attend a kick-off call with the City of Santa Ana to formally discuss the City's objectives and project schedule. Immediately after the call, Rincon will mobilize our team to start the peer review process.As part of project initiation,we will review all project description information and plans in an effort to gain a complete understanding of the project.This will include also items like the site plan and technical documents. This task also includes coordination with the City regarding status of deliverables,as well as internal coordination and oversight of Rincon's peer review team.Furthermore, this task includes two coordination meetings(virtual)with two Rincon staff,the Applicant/Consultant team, and the City to address any questions that may arise regarding our peer review comments. Over the years of our experience with peer reviews,we've found that making ourselves readily available for meetings like this help to avoid confusion and assist in facilitating a timely schedule. 2 City of Santa Ana 2001 East First Street Project CEQA Peer Review Task 2 First Round Peer Review of the Class 32 CE and Technical Documents Rincon will reviewthe Class 32 CE and supportingtechnical documents(i.e.,Round 1).Because of the interrelatedness of the Class 32 CE checklist sections that are relying on the technical analyses,each Rincon specialist assigned to reviewing the technical documents will also have a detailed understanding of CEQA, and thus,they will also review the associated Class 32 CE section(s). Each specialist will also be responsible for reviewing and clearly understand ingthe Project Description and checking references applicable to their subject matter. Anticipated sections of the technical issue areas to be reviewed include the following: Peer Review Section/Study Reviewer Class 32 CE CEQA Specialist and Applicable Technical Specialists Traffic/Transportation Analysis Transportation Specialist Air Quality(AQ) AQ Specialist Noise Analysis Noise Specialist Preliminary water Quality Management Plan water Specialist If it is determined that any of the technical documents are missing, or if Rincon needs additional information in orderto facilitate our review,we will notify the City immediately to determine the next appropriate steps. Review of the Class 32 CE and the technical documents will be compiled into a consolidated peer review Comments Matrix and will be provided to the City.This matrix will outline the peer review comments and highlight any technical inadequacies. Minor grammar and punctuation issues will not be noted unless there is also an issue with lack of clarity that these grammar and punctuation would fix. To meet Rincon's quality assurance/quality control policy, all peer review comments in the Comments Matrix will be reviewed by the Project Manager a nd Principal-in--Charge. Under Task 1, if needed, Rincon will coordinate with the City and the Applicant/Consultant team at up totwo virtual meetingsto discussthe comments,suggested changes,additions,etc.tothe documents. Deliverables • Comments Matrix outlining peer review comments provided on the Class 32 CE and technical documents • Each round of comments will be presented in its own column with columns for Applicant/Consultant team responses. Task 3 Second Round Peer Reviews of the Class 32 CE and Technical Documents As part of the second round of Rincon's review(i.e., Round 2), the revised Class 32 CE and technical documents from the Applicant/Consultantteam will be provided showingall revisions in track changes. Furthermore,the Applicant/Consultant team will provide detailed responses in the Comments Matrix explaining how and where they responded to each of the peer review comments. Rincon will review the Applicant/Consultant team responses in the Comments Matrix. If Rincon's comments are not 3 City of Santa Ana rI a 2001 East First Street Project CEQA Peer Review adequately addressed,which leads to additional review and comments,Rincon will contact the City to discuss how to proceed. Under Task 1, if needed, Rincon will coordinate with the City and the Applicant/Consultant team at up to two virtual meetings to discuss the comments,suggested changes,add itions,etc.to the documents. Deliverables • Comments Matrix outlining peer review comments provided on the Class 32 CE and technical documents • Each round of comments will be presented in its own column(i.e., Round 1 and Round 2)with columns for Applicant/Consultant team responses. Assumptions • The peer review will consist of two rounds of peer review and comments(this assumes that the Applicant/Consultant team will adequately respond to all comments in the first round,the second round of peer review is only to backcheck revisions made in response to Round 1 comments) • All draft documentation will be provided together to avoid unnecessary stopping and starting as well as with the understandingthat one technical analysis can influence another and may need to be reviewed in tandem. If provided separately, additional time and cost for the peer review may be needed. • The Class 32 CE will be provided asthefollowing: 1)individual sections in Word format,and/or 2) compiled PDF with Figures. • Technical documents can be provided in PDF format. • Second submittal of Class 32 CE and technical documents from the Applicant/Consultant team will be provided showing all revisions in track changes. Furthermore,they will provide detailed responses in the Comments Matrix explaining how and where they responded to each of our peer review comments. • The Applicant/Consultant team will be responsible for making any revisions to the Class 32 CE and technical documents based on Rincon's comments. Additional technical analysis, if needed, is not included in this scope of work. if needed,we will immediately contact the City to discuss the next course of action. • While we believe our scope and cost estimate are reasonable,the adequacy of the Class 32 CE and technical documents,as well as the potential complexityof issues,cannot be predicted with certainty.Therefore, if the efforts to complete the peer review would require additional hours, we reserve the right to renegotiate the budget in coordination with the City. • The peer reviews are limited to the analyses discussed under Task 2; if any other project- related studies need to be peer reviewed, additional time and cost for the peer review(s)may be needed. • It is assumed that the Air Quality study does not include a refined health risk assessment; Rincon will review the applicability of the assessment methodology and thresholds used, and the results and conclusions. 4 I City of Santa Ana 2001 East First Street Project CEQA Peer Review Cost Estimate and Schedule Assumptions The services outlined above will be provided for cost of$1.9,579.A detailed breakdown of costs by task is shown in the table below. If additional review of sections and/or technical documents not outlined in the work program herein is requested, efforts will be billed on a time and materials basis, as negotiated prior to the work. Should this peer review require less budget than included in this cost estimate, the entirety of these funds will not be spent. Task Cost per Task Task 1 Project Initiation and Management $2,511 Task 2 First Round Peer Reviews $13,826 Class 32 CE $6,804 Air Quality Analyses $1,638 Noise Analysis $1,828 Traffic/Transportation Analysis $1,728 Preliminary Water Quality Management Plan $1,828 Task 3 Second Round Peer Reviews $3,242 Total Cost Estimate $19,579 The assignment will commence upon execution of a Professional Services Agreement and authorization to proceed. We will maintain consistent communication with the City as this project progresses to ensure timely execution of work, as feasible. While the overall schedule is out of Rincon's control, due to the unknowns regarding when the documentation will be provided and how long it will take the Applicant/Consultantteam to revise per the findings of the peer review,we assume the following durations for each task/round, as follows: • First round of peer reviews will be completed within four weeks of execution of a Professional Services Agreement, This assumes all these draft documents will be provided at the same time. if provided separately, additional time for the peer review may be needed. • Second round peer reviews will be completed within three weeks of the receipt of all revised documentation. We are confident that you will find ourteamwell qualified to peer review the Class32 CE and technical documents associated with this assignment and look forward to the opportunity tofurther discuss the City objectives and how to help facilitate the peer review and comments forthis project.Thank you for considering Rincon for this assignment. Sincerely, Rincon Consultants, Inc. Vanessa Villanueva Susanne Huerta, AICP Senior Environmental Planner/Project Manager Director-in-Charge 213-444-3482 213-797-5859 vvillanueva@rinconconsultants.com shuerta@rinconconsuitants.com 5 o0 CERTIFICATE OF LIABILITY INSURANCE DATE{MMf60lYYYl7 �.� 2/1/2027 1/29/2026 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 Lockton Companies,LTC CONTACT NAME: DBA Lockton Insurance Brokers,LLC in CA PHONE FAX CA license#01 I5767 AIC o No:AfC EMAIL 8110 F Union Ave.,Ste.100 ADDRESS: Denver CO 80237 INSURER s AFFORDING COVERAGE NAIC# denver-certs(�'t,lockton.com INSURER A:Westchester Stirplus Lines Insurance Co 10172 INSURED Rincon Consultants,Inc. INSURER B:Hartford Fire Insurance Company an 19682 1462718 2060 Knoll Drive INSURER c:Palomar Excess and Surplus Insurance Co. 16754 Ventura CA 93003 INSURER D:Starstone National Insurance Company 25496 INSURER E:---SEE ATTACHMENT--- INSURER F: COVERAGES CERTIFICATE NUMBER: 16059509 REVISION NUMBER: XXXXXXX 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 RFDUCED BY PAID CLAIMS. IY EXP LTR TYPE OF INSURANCE ��gp Wyp POLICY NUMBER _ MM DD EFF MM1DICDrr1rYY LIMITS A X COMMERCIAL GENERAL LIABILITY y Y G49969191 002 2/t/2026 211/2027 EACH OCCURRENCE $ 4,000,000 CLAIMS-MADE OCCUR OAM GET TED PREMISES Ea occurrence $ 100,000 X SIR:$50,000 MED EXP(Any one person) $ 10,000 X P&I PERSONAL&ADV INJURY $ 4,000,000 GENT AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE s 4,000,000 POLICY[X]jECOT- LOC PRODUCTS-COMPIOP AGG s 4 000,000 OTHER: 5 $ AUTOMOBILE LIABILITY y y 72UENOL5481 2YI12026 2A/2027 COMBINED SINGLE LIMIT 5 COT' 11000,000 Ix ANY AUTO BODILY INJURY(Per person) 5 yOWNED SCHEDULED BODILY INJURY(Per accident) 5 �XXX}�X AUTOS ONLY AUTOSAUTOS ONLY HIRED X AUTO ONLY PeOractidenOAMAGE $ XXXXXXX Comp./Coll.Ded 5 1,000 A UMBRELLA LIAR �( OCCUR N N G48968193 002 2/1f2026 2/1/2027 EACH OCCURRENCE $ I 0J)00.000 C X EXCESS LIAR CLAIMS-MADE CEEXP-26-0000752-00 2/12026 2/1/2027 AGGREGATE $ 10000000 BED X RETENTIONS 10,000 $ rxxXxxxx WORKERS COMPENSATION I PER OTH- * AND EMPLOYERS'LIABILITY y T10260329 AOS) 2/l/2026 2/1/2027 X� STATUTE ER O ANY PROPRIETORIPARTNERlEXEcuTIVE Y/N NIA T10201427((FL) 2/l/2026 2/1/2027 OFFICERIMEMBER EXCLUDED? E.L.EACH ACCIDENT $ 1,000,000 (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ 1,000,000 yes,describe under D $ 1,000,000 DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT A Contractors Pollution Liab N N G48968181 002 2/1/202.6 2/1/2027 S41V/S4M E&O Liab. S4M Ea.occ./$4M Agg. Metro Date: 12/9/1994 I_ Cyber See Attachment See Attachment DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) The City of Sanla Ana and Community Development Agency and their officers,employees,agents and volunteers are an Additional Insured to the extent provided by the policy language or endorsement issued or approved by the insurance carrier.Waiver of Subrogation applies per attached endorsemen(s)or policy language.Insurance provided to Additional Insured(s)is primary and non-contributory as per the attached endorsement or policy language.Excess policy follows General Liability,Auto Liability and Employers Liability form.Notice of Cancellation applies per the applicable policy language or endorsements. APPROVED By Tu Tran Nguyen at 8:41 am,Feb 11, 2026 CERTIFICATE HOLDER CANCELLATION See Attachments SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE 16059509 THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of Santa Aria ACCORDANCE WITH THE POLICY PROVISIONS. Attention: Planning and Building Department 20 Civic Center Plaza,M-20 AUTHORIZED REPRESENTATIVE + Santa Ana CA 92701 ©1988 2N-5 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD Attachment Code: D683708 Master ID: 1462718,Certificate ID: 16059509 Type of Insurance Policy Number Insurer Policy Term Limits Cyber Liability H25NGP224923-02 Houston Casualty Company 8/1/2025-2/1/2027 Limit:$5,000,000 Deductible: $25,000 Travelers Excess and Excess Cyber CXS-1 0 7946 1 5 5-01 Surplus lines Company 8/1/2025-2/1/2027 Limit: $5M x$5M Attachment Code:D644713 Master ID: 1462718, Certificate 1D: 16059509 LOCUM City of Santa Ana Attention: Planning and Building Department 20 Civic Center Plaza, M-20 Santa Ana CA 92701 To whom it may concern: In our continuing effort to provide timely certificate delivery, Lockton Companies is transitioning to paperless deliveryof Certificates of Insurance, thus this is your final hard-copy delivery. To ensure electronic delivery for future renewals of this certificate, we need your email address. Please contact us via one of the methods below, referencing Certificate ID 16059509. -Email: mountainwestedelivery@lockton.com -Phone: 303-728-8060 If you received this certificate through an internet link where the current certificate is viewable, we have your email and no further action is needed. In the event your mailing address has changed, will change in the future, or you no longer require this certificate, please let us know using one of the methods above. The above inbox and phone number is for automating electronic delivery of certificates only. Please do NOT send future certificate requests to this inbox or contact the phone number below with email updates. Thank you for your cooperation and willingness in reducing our environmental footprint. Lockton Companies Lockton Companies 8110 E. Union Avenue,Suite 100 Denver, CO 80237 Attachment Code:D563840 Certificate ID; 16059509 Policy Number:G48968181 002:Effective Date:2/1/2026-2/1/2027 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Person(s) Or Location(s)of Covered Operations Organization(s): Blanket when specifically required in a written contract with Blanket when specifically required in a the named insured. written contract with the named insured. Information required to complete this Schedule, if not shown above,will be shown in the Declarations. A. Section III — Who Is An Insured within the Common With respect to the insurance afforded to these additional Provisions is amended to include as an additional insured insureds,the following additional exclusions apply: the person(s) or organization(s) shown in the Schedule, This insurance does not apply to "bodily injury" or but only with respect to liability for"bodily injury", "property "property damage"occurring after: damage" or "personal and advertising injury" cause, in 1. All work, includingmaterials, whole or in part,by, parts or equipment furnished in connection with such work, on the project 1. Your acts or omissions; or (other than service, maintenance or repairs) to be 2. The acts or omissions of those acting on your behalf; performed by or on behalf of the additional insured(s) in the performance of your ongoing operations for the at the location of the covered operations has been additional insured(s)at the location(s)designated above, completed;or 2. That portion of"your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. EN0321-0211 Page 1 of 1 Attachment Code: D563841 Certificate ID: 16059509 Policy Number:G48968181 002: Effective Date:21112026.211/2027 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ,ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - COMPLETED OPERATIONS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name of Additional Person(s) or Organization(s): Location And Description Of Completed Operations Blanket when specifically required in a written contract with the Blanket when specifically required in a written named insured. contract with the named insured. Information required to complete this Schedule, if not shown above,will be shown in the Declarations. A. Section III—Who Is An Insured within the Common Provisions is amended to include as an 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". EN0320-0211 Page 1 of 1 Attachment Cade:D563842 Certificate ID: 16059509 Policy Number:G48968181 002:Effective Date:21112026-211/2027 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY ADDITIONAL INSURED WITH WAIVER OF SUBROGATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART CONTRACTORS POLLUTION LIABILITY COVERAGE PART ERRORS AND OMISSIONS LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Person(s) or Organization(s) Blanket when specifically required in a written contract with the named insured. A. SECTION III — WHO IS AN INSURED within the Common Provisions is amended to include as an additional insured the person(s) or organization(s) indicated in the Schedule shown above, but only with respect to liability arising out of"your work"for that person or organization performed by you, or by those acting on your behalf. B. As respects additional insureds as defined above, this insurance also applies to "bodily injury" or "property damage" arising out of your negligence when the following written contract requirements are applicable: 1. Coverage available under this coverage part shall apply as primary insurance.Any other insurance available to these additional insureds shall apply as excess and not contribute as primary to the insurance afforded by this endorsement. 2. We waive any right of recovery we may have against the person(s) or organization(s) indicated in the Schedule shown above because of payments we make for injury or damage arising out of "your work" performed under a written contract with that person(s) or organization(s). 3. The term "additional insured" is used separately and not collectively, but the inclusion of more than one "additional insured" shall not increase the limits or coverage provided by this insurance. This Endorsement does not reinstate or increase the Limits of Insurance applicable to any "claim" to which the coverage afforded by this Endorsement applies. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. EN0147-1111 Page 1 of 1 Attachment Code:D563844 Certificate ID: 16059509 Policy Number:72UENOL5481 COMMERCIAL AUTOMOBILE Policy Term:2/1/2026 to 2/1/2027 HA 99 16 0312 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL AUTOMOBILE BROAD FORM ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE, FORM To the extent that the provisions of this endorsement provide broader benefits to the"insured"than other provisions of the Coverage Form, the provisions of this endorsement apply. 1. BROAD FORM INSURED d. Any"employee"of yours while using a A. Subsidiaries and Newly Acquired or covered "auto"you don't own, hire or Formed Organizations borrow in your business or your The Named Insured shown in the personal affairs. Declarations is amended to include: C. Lessors as Insureds (1)Any legal business entity other than a Paragraph A.1.-WHO IS AN INSURED-of partnership orjoint venture, formed as a Section 11-Liability Coverage is amended to subsidiary in which you have an add: ownership interest of more than 60%on e. The lessor of a covered "auto"while the the effective date of the Coverage Form. "auto"is leased to you under a written However,the Named Insured does not agreement if: include any subsidiary that is an (1)The agreement requires you to "insured"under any other automobile policy or would be an"insured"under provide direct primary insurance for such a policy but for its termination or the lessor and the exhaustion of its Limit of Insurance. (2)The"auto"is leased without a driver. (2)Any organization that is acquired or Such a leased"auto"will be considered a farmed by you and over which you covered"auto"you own and not a covered maintain majority ownership. However, "auto"you hire. the Named Insured does not include any D. Additional Insured if Required by Contract newly formed or acquired organization: (1) Paragraph A.1.-WHO IS AN INSURED (a)That is a partnership or joint -of Section 11 -Liability Coverage is venture, amended to add: (b)That is an "insured"under any other f. When you have agreed, in a written policy, contract or written agreement,that a (c)That has exhausted its Limit of person or organization be added as Insurance under any other policy, or an additional insured on your (d) 180 days or more after its business auto policy, such person or acquisition or formation by you, organization is an "insured", but only unless you have given us notice of to the extent such person or the acquisition or formation. organization is liable for"bodily Coverage does not apply to"bodily injury"or"property damage"caused injury"or"property damage"that results by the conduct of an"insured"under from an"accident"that occurred before paragraphs a.or b, of Who Is An you formed or acquired the organization. Insured with regard to theownership, maintenance or use of a B. Employees as Insureds covered "auto." Paraaraph A.1. -WHO IS AN INSURED-ref SECTION 11 -LIABILITY COVERAGE is amended to add: ©2011, The Hartford (Includes copyrighted material Form HA 9916 03 12 of ISO Properties, Inc.,with its permission.) Page 1 of 5 Attachment Code: D563844 Certificate ID: 16059509 The insurance afforded to any such E. Primary and Non-Contributory if additional insured applies only if the Required by Contract "bodily injury"or"property damage" Only with respect to insurance provided to occurs: an additional insured in I.D.-Additional (1) During the policy period, and Insured If Required by Contract,the (2) Subsequent to the execution of such following provisions apply: written contract, and (3)Primary Insurance When Required By (3) Prior to the expiration of the period Contract of time that the written contract This insurance is primary if you have requires such insurance be provided agreed in a written contract or written to the additional insured. agreement that this insurance be (2)How Limits Apply primary. If other insurance is also If you have agreed in a written contract primary,we will share with all that other or written agreement that another insurance by the method described in person or organization be added as an Other Insurance 5.d, additional insured on your policy,the (4)Primary And Non-Contributory To Other most we will pay on behalf of such Insurance When Required By Contract additional insured is the lesser of: If you have agreed in a written contract (a)The limits of insurance specified in or written agreement that this insurance the written contract or written is primary and non-contributory with the agreement;or additional insured's own insurance,this (b)The Limits of Insurance shown in insurance is primary and we will not the Declarations. seek contribution from that other insurance. Such amount shall be a part of and not paragraphs(3)and (4)do not apply to other in addition to Limits of Insurance shown insurance to which the additional insured in the Declarations and described in this has been added as an additional insured. Section. (3)Additional Insureds Other Insurance When this insurance is excess,we will have no duty to defend the insured against any"suit" if If we cover a claim or"suit"under this any other insurer has a duty to defend the Coverage Part that may also be covered insured against that"suit". If no other insurer by other insurance available to an defends,we will undertake to do so, but we will additional insured,such additional be entitled to the insured's rights against all insured must submit such claim or"suit" those other insurers. to the other insurer for defense and When this insurance is excess over other indemnity. insurance,we will pay only our share of the However,this provision does not apply amount of the loss, if any, that exceeds the sum to the extent that you have agreed in a of: written contract or written agreement (1)The total amount that all such other that this insurance is primary and non- insurance would pay for the loss in the contributory with the additional insured's absence of this insurance; and own insurance. (4) Duties in The Event Of Accident, Claim, (2)The total of all deductible and self-insured Suit or Loss amounts under all that other insurance. If you have agreed in a written contract We will share the remaining loss, if any, by the or written agreement that another method described in Other Insurance 5,d. person or organization be added as an 2. AUTOS RENTED BY EMPLOYEES additional insured on your policy,the Any"auto" hired or rented by your"employee" additional insured shall be required to on your behalf and at your direction will be comply with the provisions in LOSS considered an "auto"you hire. CONDITIONS 2. -DUTIES IN THE The OTHER INSURANCE Condition is amended EVENT OF ACCIDENT, CLAIM , SUIT by adding the following: OR LOSS--OF SECTION IV— BUSINESS AUTO CONDITIONS, in the same manner as the Named Insured. ©2011, The Hartford (Includes copyrighted material Form HA 99 16 03 12 of ISO Properties, Inc.,with its permission.) Page 2 of 5 Attachment Code:D563844 Certificate ID: 16059509 If an"employee's" personal insurance also 5. PHYSICAL DAMAGE - ADDITIONAL applies on an excess basis to a covered "auto" TEMPORARY TRANSPORTATION EXPENSE hired or rented by your"employee"on your COVERAGE behalf and at your direction, this insurance will Paragraph AA.a. of SECTION III - PHYSICAL be primary to the"employee's"personal DAMAGE COVERAGE is amended to provide a insurance. limit of$50 per day and a maximum limit of 3. AMENDED FELLOW EMPLOYEE EXCLUSION $1,000, EXCLUSION 5. -FELLOW EMPLOYEE-of 6. LOANILEASE GAP COVERAGE SECTION II- LIABILITY COVERAGE does not Under SECTION III -PHYSICAL DAMAGE apply if you have workers'compensation COVERAGE, in the event of a total"loss"to a insurance in-force covering all of your covered"auto",we will pay your additional legal "employees". obligation for any difference between the actual Coverage is excess over any other collectible cash value of the"auto"at the time of the"loss" Insurance. and the"outstanding balance"of the Ioanllease, 4. HIRED AUTO PHYSICAL DAMAGE "Outstanding balance" means the amount you COVERAGE owe on the loan/lease at the time of"loss"less If hired"autos"are covered"autos"for Liability any amounts representing taxes;overdue Coverage and if Comprehensive,Specified payments; penalties, interest or charges Causes of Loss, or Collision coverages are resulting from overdue payments; additional provided under this Coverage Form for any mileage charges; excess wear and tear charges; "auto"you own, then the Physical Damage lease termination fees;security deposits not Coverages provided are extended to"autos"you returned by the lessor;costs for extendedwarranties,credit life Insurance, health, accident hire or borrow,subject to the following limit. or disability insurance purchased with the loan or The most we will pay for"loss"to any hired lease; and carry-over balances from previous "auto" is: loans or leases. (1)$100,000; 7. AIRBAG COVERAGE (2)The actual cash value of the damaged or Under Paragraph B, EXCLUSIONS - of stolen property at the time of the"loss";or SECTION III - PHYSICAL DAMAGE (3)The cost of repairing or replacing the COVERAGE, the following is added: damaged or stolen property, The exclusion relating to mechanical breakdown whichever is smallest, minus a deductible.The does not apply to the accidental discharge of an deductible will be equal to the largest deductible airbag. applicable to any owned"auto"for that 8. ELECTRONIC EQUIPMENT -BROADENED coverage.No deductible applies to"loss"caused COVERAGE by fire or lightning. Hired Auto Physical Damage coverage is excess over any other collectible a.The exceptions to Paragraphs BA - insurance. Subject to the above limit, deductible EXCLUSIONS-of SECTION III -PHYSICAL and excess provisions,we will provide coverage DAMAGE COVERAGE are replaced by the equal to the broadest coverage applicable to any fallowing: covered"auto"you own. Exclusions 4.e.and 4.d.do not apply to We will also cover loss of use of the hired"auto" equipment designed to be operated solely if it results from an "accident", you are legally by use of the power from the"auto's" liable and the lessor incurs an actual financial electrical system that, at the time of"loss", loss, subject to a maximum of$1000 per is: "accident". (1) Permanently installed in or upon This extension of coverage does not apply to the covered "auto"; any"auto"you hire or borrow from any of your (2) Removable from a housing unit "employees", partners(if you are a partnership), which is permanently installed in mamhar- !if vni i ara n limitovi linhilifv rmmnanvl or upon the covered "auto"; (3) An integral part of the same unit Dousing any electronic equipment described in Paraarar)hs (1)and M above: or ©2011, The Hartford (Includes copyrighted material Form HA 99 16 03 12 of ISO Properties, Inc.,with its permission.) Page 3 of 5 Attachment Code:D563844 Certificate ID: 16059509 (4) Necessary for the normal If another Hartford Financial Services Group, operation of the covered"auto"or Inc,company policy or coverage form that is not the monitoring of the covered an automobile policy or coverage form applies to "auto's"operating system. the same"accident",the following applies: b.Section III--Version CA 00 01 03 10 of the (1) If the deductible under this Business Auto Business Auto Coverage Form, Physical Coverage Form is the smaller(or smallest) Damage Coverage, Limit of Insurance, deductible,it will be waived; Paragraph C.2 and Version CA 00 01 10 01 of (2) If the deductible under this Business Auto the Business Auto Coverage Form, Physical Coverage Form is not the smaller(or Damage Coverage, Limit of Insurance, smallest)deductible, it will be reduced by Paragraph C are each amended to add the the amount of the smaller(or smallest) following: deductible. $1,500 is the most we will pay for"loss"in 12.AMENDED DUTIES IN THE EVENT OF any one"accident"to all electronic ACCIDENT,CLAIM, SUIT OR LOSS equipment(other than equipment designed solelsolely far the reproduction of sound, and The requirement in LOSS CONDITIONS 2.a. - s y DUTIES IN THE EVENT OF ACCIDENT,CLAIM, accessories used with such equipment) that reproduces, receives or transmits SUIT OR LOSS-of SECTION IV-BUSINESS audio, visual or data signals which, at the AUTO CONDITIONS that you must notify us of time of"loss", is: an"accident"applies only when the"accident"is known to: (1)Permanently installed in or upon the covered "auto"in a housing, (1)you, if you are an individual; opening or other location that is not (2)A partner, if you are a partnership; normally used by the"auto" (3)A member, if you are a limited liability manufacturer for the installation of company; or such equipment; (4)An executive officer or insurance manager, if (2)Removable from a permanently you are a corporation. installed housing unit as described 13. UNINTENTIONAL FAILURE TO DISCLOSE in Paragraph 2.a. above or is an HAZARDS integral part of that equipment; or (3)An integral part of such equipment. If you unintentionally fall to disclose any hazards existing at the inception date of your policy,we c.For each covered "auto",should loss be limited will not deny coverage under this Coverage to electronic equipment only, our obligation to Form because of such failure. pay for, repair, return or replace damaged or 14. HIRED AUTO-COVERAGE TERRITORY stolen electronic equipment will be reduced by the applicable deductible shown in the Paragraph e.of GENERAL CONDITIONS 7. - Declarations, or$250,whichever deductible is POLICY PERIOD, COVERAGE TERRITORY- less. of SECTION IV-BUSINESS AUTO 9. EXTRA EXPENSE - BROADENED CONDITIONS is replaced by the following: COVERAGE e. For short-term hired"autos",the coverage Under Paragraph A. -COVERAGE-of SECTION territory with respect to Liability Coverage is III- PHYSICAL DAMAGE COVERAGE we will anywhere in the world provided that if the pay for the expense of returning a stolen covered "insured's"responsibility to pay damages for "auto"to you, "bodily injury"or"property damage"is determined in a"suit,"the"suit" is brought in 10. GLASS REPAIR-WAIVER OF DEDUCTIBLE the United States of America,the territories Under Paragraph D. -DEDUCTIBLE-of SECTION and possessions of the United States of III - PHYSICAL DAMAGE COVERAGE, the America, Puerto Rico or Canada or in a following is added: settlement we agree to. No deductible applies to glass damage if the 15.WAIVER OF SUBROGATION glass is repaired rather than replaced. TRANSFER OF RIGHTS OF RECOVERY 11.TWO OR MORE DEDUCTIBLES AGAINST OTHERS TO US-of SECTION IV- Under Paragraph D.-DEDUCTIBLE-of SECTION BUSINESS AUTO CONDITIONS is amended by III - PHYSICAL DAMAGE COVERAGE, the adding the following: following is added: O 2011, The Hartford (Includes copyrighted material Form HA 9916 03 12 of ISO Properties, Inc.,with its permission.) Page 4 of 5 Attachment Code: D563844 Certificate ID, 16059509 We waive any right of recovery we may have c.Regardless of the number of autos deemed a against any person or organization with whom total loss,the most we will pay under this you have a written contract that requires such Hybrid, Electric,or Natural Gas Vehicle waiver because of payments we make for Payment Coverage provision for any one damages under this Coverage Form. "loss" is$10,000. 16. RESULTANT MENTAL ANGUISH COVERAGE For the purposes of the coverage provision, The definition of"bodily injury" in SECTION V- a.A"non-hybrid"auto is defined as an auto that DEFINITIONS is replaced by the following: uses only an internal combustion engine to "Bodily injury"means bodily injury, sickness or move the auto but does not include autos disease sustained by any person, including powered solely by electricity or natural gas. mental anguish or death resulting from any of b.A"hybrid"auto is defined as an auto with an these, internal combustion engine and one or more 17. EXTENDED CANCELLATION CONDITION electric motors; and that uses the internal combustion engine and one or more electric Paragraph 2. of the COMMON POLICY motors to move the auto, or the internal CONDITIONS - CANCELLATION - applies combustion engine to charge one or more except as follows: electric motors,which move the auto. If we cancel for any reason other than 19.VEHICLE WRAP COVERAGE nonpayment of premium,we will mail or deliver In the event of a total loss to an"auto"for which to the first Named Insured written notice of Comprehensive, Specified Causes of Loss, or cancellation at least 60 days before the effective Collision coverages are provided under this date of cancellation. Coverage Form, then such Physical Damage 18. HYBRID, ELECTRIC, OR NATURAL GAS Coverages are amended to add the following: VEHICLE PAYMENT COVERAGE In addition to the actual cash value of the"auto", In the event of a total loss to a"non-hybrid"auto we will pay up to$1,000 for vinyl vehicle wraps for which Comprehensive,Specified Causes of which are displayed on the covered "auto'at the Loss, or Collision coverages are provided under time of total loss. Regardless of the number of this Coverage Form,then such Physical autos deemed a total loss,the most we will pay Damage Coverages are amended as follows: under this Vehicle Wrap Coverage provision for a.If the auto is replaced with a"hybrid"auto or any one"loss" is$5,000. For purposes of this an auto powered solely by electricity or natural coverage provision, signs or other graphics gas,we will pay an additional 10%, to a painted or magnetically affixed to the vehicle are maximum of$2,500,of the"non-hybrid"auto's not considered vehicle wraps. actual cash value or replacement cost, whichever is less, b,The auto must be replaced and a copy of a bill of sale or new lease agreement received by us within 60 calendar days of the date of"loss," ©2011, The Hartford (Includes copyrighted material Form HA 99 16 03 12 of ISO Properties, Inc.,with its permission.) Page 5 of 5 i Attachment Code:D565978 Certificate ID: 16059509 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 04 03 06 (Ed. 4-84) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT 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_*,Y,% of the California workers' compensation premium otherwise due on such remuneration. Person or Organization Job Description WHERE YOU ARE REQUIRED BY WRITTEN CONTRACT TO OBTAIN THIS AGREEMENT FROM US, PROVIDED THE CONTRACT IS SIGNED AND DATED PRIOR TO THE DATE OF LOSS TO WHICH THIS WAIVER APPLIES. IN NO INSTANCE SHALL THE PROVISIONS AFFORDED BY THIS ENDORSEMENT BENEFIT ANY COMPANY OPERATING AIRCRAFT FOR HIRE. *The premium charge for this endorsement shall be % of the premium developed in the State of California, but not less than $500 policy minimum premium. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 2/112026 Policy No. T10260329(AOS) Endorsement No. 23 /T10261427(FL) Insured Rincon Consultants,Inc. Policy ctive Date 2/1/2026 Insurance Company Starstone National Insurance Company Countersigned By WC 04 03 06 (Ed.4-84) Attachment Code: D580215 Certificate ID: 16059509 Policy Number: G48968181 002 Effective Date: 21112026-2/1/2027 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY, NOTICE OF CANCELLATION - CERTIFICATE HOLDER(S) This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART CONTRACTORS POLLUTION LIABILITY COVERAGE PART ERRORS AND OMISSIONS LIABILITY COVERAGE PART THIRD PARTY POLLUTION LIABILITY COVERAGE PART ONSITE CLEANUP COVERAGE PART SCHEDULE Certificate Holder(s) Blanket when specifically required in a written contract with the named insured. Under the Common Provisions, SECTION VI--COMMON CONDITIONS, item 2. Cancellation And Nonrenewal is amended by the addition of the following: If we cancel this Policy before the expiration date thereof, we will mail a 30 days written notice(ten(10)days for nonpayment of premium)to the Certificate Holder(s)indicated in the Schedule shown above. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. EN0136-0211 Page 1 of 1 Attachment Code:D568038 Certificate ID: 16059509 Policy Number 72UENOL54811G48968181 002 IL 02 70 08 11 Effective Date: 21112026-211l2027 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES -- CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY)COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTSICOMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2., 3. and 5. of the Cancellation 3.All Policies In Effect For More Than 60 Days Common Policy Condition are replaced by the a. If this policy has been in effect for more following: than 60 days, or is a renewal of a policy 2. All Policies In Effect For 60 Days Or Less we issued,we may cancel this policy only If this policy has been in effect for 60 days or less, upon the occurrence, after the effective and is not a renewal of a policy we have date of the policy, of one or more of the previously issued,we may cancel this policy by following: mailing or delivering to the first Named Insured, at (1) Nonpayment of premium, including the mailing address shown in the policy, and to the payment due on a prior policy we issued producer of record, advance written notice of and due during the current policy term cancellation, stating the reason for cancellation, at covering the same risks. least: (2) Discovery of fraud or material a. 10 days before the effective date of misrepresentation by: cancellation if we cancel for: (a)Any insured or his or her (1) Nonpayment of premium; or representative in obtaining this insurance; (2) Discovery of fraud by: or (a)Any insured or his or her (b)You or your representative in pursuing representative in obtaining this insurance; a claim under this policy. or (3)A judgment by a court or an (b)You or your representative in pursuing administrative tribunal that you have a claim under this policy, violated a California or Federal law, b. 30 days before the effective date of cancellation having as one of its necessary elements if we cancel for any other reason. an act which materially increases any of the risks insured against. IL 02 70 08 11 O Insurance Services Office, Inc., 2010 Page 1 of 4 Attachment Code:D568038 Certificate ID: 16059509 Policy Number 72UENOL5481/G48968181 002 IL 02 70 08 11 Effective Date: 21112026-21112027 (4) Discovery of willful or grossly negligent B.The following provision is added to the acts or omissions, or of any violations of Cancellation Common Policy Condition: state laws or regulations establishing 7. Residential Property safety standards, by you or your This provision applies to coverage on real property representative, which materially increase which is used predominantly for residential any of the risks insured against. purposes and consisting of not more than four (5) Failure by you or your representative dwelling units, and to coverage on tenants' to implement reasonable loss control household personal property in a residential unit, if requirements, agreed to by you as a such coverage is written under one of the condition of policy issuance, or which following: were conditions precedent to our use of a Commercial Property Coverage Part particular rate or rating plan, if that failure Farm Coverage Part----Farm Property---- Farm materially increases any of the risks Dwellings,Appurtenant Structures And Household insured against. Personal Property Coverage Form (6)A determination by the Commissioner a. If such coverage has been in effect for of Insurance that the: 60 days or less, and is not a renewal of (a) Loss of, or changes in, our reinsurance coverage we previously issued, we may covering all or part of the risk would cancel this coverage for any reason threaten our financial integrity or solvency; except as provided in b. and c. below. or b.We may not cancel this policy solely (b) Continuation of the policy coverage because the first Named Insured has: would: (1)Accepted an offer of earthquake (i) Place us in violation of California law or coverage; or the laws of the state where we are (2) Cancelled or did not renew a policy domiciled; or issued by the California Earthquake (11)Threaten our solvency. Authority(CEA)that included an (7)A change by you or your earthquake policy premium surcharge. representative in the activities or property However, we shall cancel this policy if the of the commercial or industrial enterprise, first Named Insured has accepted a new which results in a materially added, or renewal policy issued by the CEA that increased or changed risk, unless the includes an earthquake policy premium added, increased or changed risk is surcharge but fails to pay the earthquake included in the policy. policy premium surcharge authorized by b.We will mail or deliver advance written the CEA. notice of cancellation, stating the reason c. We may not cancel such coverage for cancellation, to the first Named solely because corrosive soil conditions Insured, at the mailing address shown in exist on the premises. This restriction (c.) the policy, and to the producer of record applies only if coverage is subject to one at least: of the following,which exclude loss or (1) 10 days before the effective date of damage caused by or resulting from cancellation if we cancel for nonpayment corrosive soil conditions: of premium or discovery of fraud; or (1)Commercial Property Coverage Part-- (2) 30 days before the effective date of Causes Of Loss—Special Form; or cancellation if we cancel for any other (2) Farm Coverage Part— Causes Of reason listed in Paragraph 3.a. Loss Form—Farm Property, Paragraph D. 5. If this policy is cancelled,we will send the first Covered Causes Of Loss—Special. Named Insured any premium refund due. The refund, if any, will be computed on a pro rata basis. However, the refund may be loss than pro rata if we made a loan to you for the purpose of payment of premiums for this policy. The cancellation will be effective even if we have not made or offered a refund. IL 02 70 08 11 O Insurance Services Office, Inc., 2010 Page 2 of 4 Attachment Code:D568038 Certificate ID: 16059509 Policy Number 72UENOL54811G48968181 002 IL 02 70 08 11 Effective Date: 211/2026-21112027 C. The following is added and supersedes any (2)The Commissioner of Insurance finds provisions to the contrary: that the exposure to potential losses will Nonrenewal threaten our solvency or place us in a 1. Subject to the provisions of Paragraphs C.2. hazardous condition. A hazardous and C.3. below, if we elect not to renew this condition includes, but is not limited to, a policy, we will mail or deliver written notice, stating condition in which we make claims the reason for nonrenewal, to the first Named payments for losses resulting from an Insured shown in the Declarations, and to the earthquake that occurred within the producer of record, at least 60 days, but not more preceding two years and that required a than 120 days, before the expiration or reduction in policyholder surplus of at anniversary date. least 25%for payment of those claims; or We will mail or deliver our notice to the first (3)We have: Named Insured, and to the producer of record, at (a) Lost or experienced a substantial the mailing address shown in the policy, reduction in the availability or scope of 2. Residential Property reinsurance coverage; or This provision applies to coverage on real property (b)Experienced a substantial increase in used predominantly for residential purposes and the premium charged for reinsurance consisting of not more than four dwelling units, coverage of our residential property and to coverage on tenants' household property insurance policies; and the Commissioner contained in a residential unit, if such coverage is has approved a plan for the nonrenewals written under one of the following: that is fair and equitable, and that is Commercial Property Coverage Part responsive to the changes in our Farm Coverage Part---- Farm Property---- Farm reinsurance position. Dwellings,Appurtenant Structures And c.We will not refuse to renew such Household Personal Property Coverage Form coverage solely because the first Named a. We may elect not to renew such Insured has cancelled or did not renew a coverage for any reason, except as policy, issued by the California provided in b., c. and d. below. Earthquake Authority, that included an b.We will not refuse to renew such earthquake policy premium surcharge. coverage solely because the first Named d.We will not refuse to renew such Insured has accepted an offer of coverage solely because corrosive soil earthquake coverage. conditions exist on the premises.This However, the following applies only to restriction (d.)applies only if coverage is insurers who are associate participating subject to one of the following,which insurers as established by Cal. Ins. Code exclude loss or damage caused by or Section 10089.16. We may elect not to resulting from corrosive soil conditions: renew such coverage after the first (1)Commercial Property Coverage Part Named Insured has accepted an offer of ----Causes Of Loss----Special Form; or earthquake coverage, if one or more of (2) Farm Coverage Part----Causes Of the following reasons applies: Loss Form ---- Farm Property, Paragraph (1)The nonrenewal is based on sound D. Covered Causes Of Loss----Special. underwriting principles that relate to the 3.We are not required to send notice of coverages provided by this policy and that nonrenewal in the following situations: are consistent with the approved rating a. If the transfer or renewal of a policy, plan and related documents filed with the without any changes in terms, conditions Department of Insurance as required by or rates, is between us and a member of existing law; our insurance group. IL 02 70 08 11 ©Insurance Services Office, Inc., 2010 Page 3 of 4 Attachment Code:D568038 Certificate ID: 16059509 Policy Number 72UENOL5481IG48968181 002 IL 02 70 08 11 Effective Date: 21112026-21112027 b. If the policy has been extended for 90 e. If the first Named Insured requests a days or less, provided that notice has change in the terms or conditions or risks been given in accordance with Paragraph covered by the policy within 60 days of the CA, end of the policy period. c. If you have obtained replacement f. If we have made a written offer to the coverage, or if the first Named Insured first Named Insured, in accordance with has agreed, in writing, within 60 days of the timeframes shown in Paragraph CA., the termination of the policy, to obtain that to renew the policy under changed terms coverage. or conditions or at an increased premium d. If the policy is for a period of no more rate, when the increase exceeds 25%. than 60 days and you are notified at the time of issuance that it will not be ronowed. IL 02 70 08 11 © Insurance Services Office, Inc., 2010 Page 4 of 4 Attachment Code: D568039 Certificate ID: 16059509 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 99 06 02 B (Ed. 12-13) ADVANCE NOTICE OF CANCELLATION AND NON-RENEWAL ENDORSEMENT It is hereby understood and agreed that all cancellation provisions in the policy addressing the required number of days notice of cancellation by us or non-renewal by us are amended to be not less than: a. 30 days will be given for notice of cancellation for non-payment of premium. *b. 60 days will be given for notice of cancellation for any other reason. c. 90 days will be given for non-renewal. Notwithstanding the previsions above, in no event will the number of days notice for cancellation or for non-renewal be fewer than the number of days required by statute. *not applicable in Arizona, Pennsylvania. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement Is issued subsequent to preparation of the policy). Endorsement Effective 2/1/2026 Policy No.T10260329(AOS) Endorsement No.5 Insured Rincon Consultants,Inc. Policy Effective Date 2/112026 Insurance Company Starstone National Insurance Company WC 99 06 02 B (Ed. 12-12)