HomeMy WebLinkAboutTRUE NORTH COMPLIANCE SERVICES, INC. r r
A-2026-040-1 3
MAY 1 1 2076
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Frahctne.Uiltia✓UA1 02) AGREEMENT TO PROVIDE ON-CALL
BUILDING SAFETY INSPECTION SERVICES
THIS AGREEMENT is made and entered into this 7th day of April, 2026 by and
between True North Compliance Services, Inc. ("Consultant"), and the City of Santa Ana, a
charter city and municipal corporation organized and existing under the Constitution and
laws of the State of California ("City").
RECITALS
A. On November 14, 2025, the City issued Request for Qualification No. 25-130, by which it
sought Consultants to provide on-call building safety consultant services for the Planning
and Building Agency of the City of Santa Ana.
B. The scope of work may include any and all work efforts related to City projects to provide
Plan Check and Building Inspection services and customer assistance for the City of Santa
Ana. The intent is to minimize response time and improve customer services by
supplementing in-house staff with consulting services on an as-needed basis.
C. Consultant submitted a responsive proposal that was among those selected by the City.
Consultant represents that it is able and willing to provide the services described in the
scope of work that was included in RFQ No. 25-130 and attached hereto as Exhibit A.
D. Consultant has been selected as one of the fifteen (15) vendors which qualified for this
engagement. Only those consultants approved by the City Council on April 7, 2026
shall be eligible to be engaged by the City for these services.
E. In undertaking the performance of this Agreement, Consultant represents that it is
knowledgeable in its field and that any services performed by Consultant under this
Agreement will be performed in compliance with such standards as may reasonably be
expected from a professional contracting firm in the field.
NOW THEREFORE,in consideration of the mutual and respective promises,and subject
to the terms and conditions hereinafter set forth, the parties agree as follows:
I. SCOPE OF SERVICES
a. On an as-needed basis, and at the sole discretion of City, Consultant shall perform
the services that are described in Exhibit A, attached and incorporated by reference
as though fully set forth herein.
2. COMPENSATION
a. As Consultant is one of fifteen (15) selected vendors selected by the City, City
neither warrants nor guarantees any minimum or maximum compensation to
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Consultant under this Agreement. Consultant shall be paid only for actual services
performed under this Agreement at the rates and charges identified in Exhibit A.
The total amount to be expended during the term of this Agreement, as approved
by Council amongst the fifteen(15) selected vendors, shall not exceed Four Million
Nine Hundred Thousand Dollars and Zero Cents ($4,900,000).
b. Payment by City shall be made within forty-five (45) days following receipt of
proper invoice evidencing work perfonned, subject to City accounting procedures.
City and Consultant agree that all payments due and owing under this Agreement
shall be made through Automated Clearing House (ACH) transfers. Consultant
agrees to execute the City's standard ACH Vendor Payment Authorization and
provide required documentation. Upon verification of the data provided, the City
will be authorized to deposit payments directly into Consultant's account(s) with
financial institutions. Payment need not be made for work which fails to meet the
standards of performance set forth in the Recitals which may reasonably be
expected by City.
3. TERM
This Agreement shall commence on May 17, 2026 and continue for a one (1) year term
until May 16, 2027 with the option for the City to grant up to two (2) one (1) year extension(s),
exercisable by a writing by the City Manager and the City Attorney, unless terminated earlier in
accordance with Section 16, below.
4. INDEPENDENT CONTRACTOR
Consultant shall, during the entire tern of this Agreement, be construed to be an
independent contractor and not an employee of the City. This Agreement is not intended nor shall
it be construed to create an employer-employee relationship, a joint venture relationship, or to
allow the City to exercise discretion or control over the professional manner in which Consultant
performs the services which are the subject matter of this Agreement; however, the services to be
provided by Consultant shall be provided in a manner consistent with all applicable standards and
regulations governing such services. Consultant shall pay all salaries and wages, employer's social
security taxes, unemployment insurance and similar taxes relating to employees and shall be
responsible for all applicable withholding taxes.
5. OWNERSHIP OF MATERIALS
This Agreement creates a non-exclusive and perpetual license for City to copy, use,
modify, reuse, or sublicense any and all copyrights, designs, and other intellectual property
embodied in plans, specifications, studies, drawings, estimates, and other documents or works of
authorship fixed in any tangible medium of expression, including but not limited to, physical
drawings or data magnetically or otherwise recorded on computer diskettes,which are prepared or
caused to be prepared by Consultant under this Agreement ("Documents & Data"). Consultant
shall require all subcontractors to agree in writing that City is granted a non-exclusive and
perpetual license for any Documents & Data the subcontractor prepares under this Agreement.
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Consultant represents and warrants that Consultant has the legal right to license any and all
Documents & Data. Consultant makes no such representation and warranty in regard to
Documents & Data which were provided to Consultant by the City, City shall not be limited in
any way in its use of the Documents and Data at any time, provided that any such use not within
the purposes intended by this Agreement shall be at City's sole risk.
6. INSURANCE
Insurance requirements are attached hereto as Exhibit B.
7. INDEMNIFICATION
Consultant agrees to defend, and shall indemnify and hold harmless the City, its officers,
agents,employees,consultants, special counsel, and representatives from liability: (1)for personal
injury, damages,just compensation,restitution,judicial or equitable relief arising out of claims for
personal injury, including death, and claims for property damage, which may arise from the
negligent operations of the Consultant or its Consultants, subcontractors, agents, employees, or
other persons acting on their behalf which relates to the services described in section I of this
Agreement; and (2) from any claim that personal injury, damages,just compensation, restitution,
judicial or equitable relief is due by reason of the terms of or effects arising from this Agreement.
This indemnity and hold harmless agreement applies to all claims for damages,just compensation,
restitution,judicial or equitable relief suffered, or alleged to have been suffered, by reason of the
events referred to in this Section or by reason of the terms of, or effects, arising from this
Agreement. The Consultant further agrees to indemnify, hold harmless, and pay all costs for the
defense of the City, including fees and costs for special counsel to be selected by the City,
regarding any action by a third party challenging the validity of this Agreement, or asserting that
personal injury,damages,just compensation,restitution,judicial or equitable relief due to personal
or property rights arises by reason of the terms of, or effects arising from this Agreement. City
may make all reasonable decisions with respect to its representation in any legal proceeding.
Notwithstanding the foregoing, to the extent Consultant's services are subject to Civil Code
Section 2782.8, the above indemnity shall be limited, to the extent required by Civil Code Section
2782.8, to claims that arise of, pertain to, or relate to the negligence, recklessness, or willful
misconduct of the Consultant.
8. INTELLECTUAL PROPERTY INDEMNIFICATION
Consultant shall defend, indemnify and hold harmless the City, its officers, agents,
representatives, and employees against any and all liability, including costs, and attorney's fees,
for infringement of any United States' letters patent,trademark,or copyright contained in the work
product or documents provided by Consultant to the City pursuant to this Agreement.
9. RECORDS
Consultant shall keep records and invoices in connection with the work to be performed
under this Agreement. Consultant shall maintain complete and accurate records with respect to
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the costs incurred under this Agreement and any services, expenditures, and disbursements
charged to the City for a minimum period of three (3) years, or for any longer period required by
law, from the date of final payment to Consultant under this Agreement. All such records and
invoices shall be clearly identifiable. Consultant shall allow a representative of the City to
examine, audit, and make transcripts or copies of such records and any other documents created
pursuant to this Agreement during regular business hours. Consultant shall allow inspection of all
work, data, documents, proceedings, and activities related to this Agreement for a period of three
(3) years from the date of final payment to Consultant under this Agreement.
10. CONFIDENTIALITY
If Consultant receives from the City information which due to the nature of such
information is reasonably understood to be confidential and/or proprietary, Consultant agrees that
it shall not use or disclose such information except in the performance of this Agreement, and
further agrees to exercise the same degree of care it uses to protect its own information of like
importance, but in no event less than reasonable care. "Confidential Information" shall include all
nonpublic information. Confidential information includes not only written information, but also
information transferred orally, visually, electronically, or by other means. Confidential
information disclosed to either party by any subsidiary and/or agent of the other party is covered
by this Agreement. The foregoing obligations of non-use and nondisclosure shall not apply to any
information that(a)has been disclosed in publicly available sources; (b) is,through no fault of the
Consultant disclosed in a publicly available source; (c) is in rightful possession of the Consultant
without an obligation of confidentiality; (d) is required to be disclosed by operation of law; or(e)
is independently developed by the Consultant without reference to information disclosed by the
City.
11. CONFLICT OF INTEREST CLAUSE
Consultant covenants that it presently has no interest and shall not have interests, direct or
indirect, which would conflict in any manner with performance of services.
12. NOTICE
Any notice, tender, demand, delivery, or other communication pursuant to this Agreement
shall be in writing and shall be deemed to be properly given if delivered in person or mailed by
first class or certified mail, postage prepaid, or sent by fax or other telegraphic communication in
the manner provided in this Section, to the following persons:
To City: City Clerk
City of Santa Ana
20 Civic Center Plaza(M-30)
P.O. Box 1988
Santa Ana, CA 92702-1988
Fax. 714- 647-6956
Executive Director
Planning and Building Agency
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City of Santa Ana
20 Civic Center Plaza(M-21)
P.O. Box 1988
Santa Ana, CA 92702
Email: PBAAdmin@santa-ana.org
To Consultant: True North Compliance Services, Inc.
Attn: Isam Hasenin, President and CEO
3355 E. Spring St., #302
Long Beach, CA, 90806
Isam@tncservices.com
tncservices.com
A party may change its address by giving notice in writing to the other party. Thereafter,
any communication shall be addressed and transmitted to the new address. If sent by mail,
communication shall be effective or deemed to have been given three (3) days after it has been
deposited in the United States mail, duly registered or certified, with postage prepaid, and
addressed as set forth above. If sent by fax, communication shall be effective or deemed to have
been given twenty-four(24) hours after the time set forth on the transmission report issued by the
transmitting facsimile machine, addressed as set forth above. For purposes of calculating these
time frames, weekends, federal, state, County or City holidays shall be excluded.
13. EXCLUSIVITY AND AMENDMENT
This Agreement represents the complete and exclusive statement between the City and
Consultant regarding the subject matter herein, and supersedes any and all other agreements, oral
or written, between the parties. In the event of a conflict between the terms of this Agreement and
any attachments hereto, the terms of this Agreement shall prevail. This Agreement may not be
modified except by written instrument signed by the City and by an authorized representative of
Consultant. The parties agree that any terms or conditions of any purchase order or other
instrument that are inconsistent with, or in addition to, the terms and conditions hereof, shall not
bind or obligate Consultant or the City. Each party to this Agreement acknowledges that no
representations,inducements,promises or agreements, orally or otherwise,have been made by any
party, or anyone acting on behalf of any party, which are not embodied herein.
14. ASSIGNMENT
Inasmuch as this Agreement is intended to secure the specialized services of Consultant,
Consultant may not assign, transfer, delegate, or subcontract any interest herein without the prior
written consent of the City and any such assignment, transfer, delegation or subcontract without
the City's prior written consent shall be considered null and void. Nothing in this Agreement
shall be construed to limit the City's ability to have any of the services which are the subject to
this Agreement performed by City personnel or by other consultants retained by City.
15. WAIVER
No waiver of breach, failure of any condition, or any right or remedy contained in or
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granted by the provisions of this Agreement shall be effective unless it is in writing and signed by
the party waiving the breach, failure, right or remedy. No waiver of any breach, failure or right, or
remedy shall be deemed a waiver of any other breach, failure, right or remedy, whether or not
similar, nor shall any waiver constitute a continuing waiver unless the writing so specifies.
16. TERMINATION
This Agreement may be terminated by the City upon thirty (30) days written notice of
termination. In such event, Consultant shall be entitled to receive and the City shall pay Consultant
compensation for all services performed by Consultant prior to receipt of such notice of
termination, subject to the following conditions:
a. As a condition of such payment, the Executive Director may require Consultant to
deliver to the City all work product completed as of such date, and in such case
such work product shall be the property of the City unless prohibited by law, and
Consultant consents to the City's use thereof for such purposes as the City deems
appropriate.
b. Payment need not be made for work which fails to meet the standard of
performance specified in the Recitals of this Agreement.
17. NON-DISCRIMINATION
Consultant shall not discriminate because of race, color, creed, religion, sex,marital status,
sexual orientation, gender identity, gender expression, gender, medical conditions, genetic
information, or military and veteran status, age, national origin, ancestry, or disability, as defined
and prohibited by applicable law, in the recruitment, selection, teaching, training, utilization,
promotion, termination or other employment related activities or any services provided under this
Agreement. Consultant affirms that it is an equal opportunity employer and shall comply with all
applicable federal, state and local laws and regulations.
18. JURISDICTION-VENUE
This Agreement has been executed and delivered in the State of California and the validity,
interpretation, performance, and enforcement of any of the clauses of this Agreement shall be
determined and governed by the laws of the State of California. Both parties further agree that
Orange County,California, shall be the venue for any action or proceeding that may be brought or
arise out of, in connection with or by reason of this Agreement.
19. PROFESSIONAL LICENSES
Consultant shall, throughout the term of this Agreement, maintain all necessary licenses,
permits, approvals, waivers, and exemptions necessary for the provision of the services hereunder
and required by the laws and regulations of the United States, the State of California, the City of
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Santa Ana and all other governmental agencies. Consultant shall notify the City immediately and
in writing of its inability to obtain or maintain such permits, licenses, approvals, waivers, and
exemptions. Said inability shall be cause for termination of this Agreement.
20. MISCELLANEOUS PROVISIONS
a. Each undersigned represents and warrants that its signature herein below has the
power, authority and right to bind their respective parties to each of the terms of
this Agreement, and shall indemnify City fully, including reasonable costs and
attorney's fees, for any injuries or damages to City in the event that such authority
or power is not, in fact, held by the signatory or is withdrawn.
b. All exhibits referenced herein and attached hereto shall be incorporated as if fully
set forth in the body of this Agreement.
IN WITNESS WHEREOF,the parties hereto have executed this Agreement the date and year first
above written.
ATTEST: CITY OF S A ANA
A L ALVARO NUf�IEZ
City Clerk City Manager
APPROVED AS TO FORM CONSULTANT
SONIA R. CARVALHO
City Attorney
By:
L[SSA M. CROSTHWAITE Isam Hasenin
Senior Assistant City Attorney President and CEO
RECOMMENDED FOR APPROVAL
ALI PEZESHKPOUR
Executive Director
Planning and Building Agency
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EXHIBIT A
SCOPE OF SERVICES AND FEES
General Description
The Planning and Building Agency's Building Safety Division of the City of Santa Ana foresees
the submittal of many construction projects in the near future resulting from the adoption of new
specific plans, sustained economic and market interest in the community, and the pending
Zoning Code Update. Therefore, the City is seeking the services of professional consultants to
support the efforts of City staff in the area of Building Safety Services that include Plan Check
Services, Inspection Services, and Technical Services.
Scope of Services
A. Plan Review Services
Consultant shall perform the following services for each assigned building plan review.
1. Detailed review of the mechanical, plumbing, electrical and building (architectural and
structural) plans. Review supporting documents for industrial, commercial, residential
and public buildings and determine compliance with applicable building standards as
related to existing and proposed buildings.
2. Review the plans for compliance with California state-mandated regulations for energy
conservation, disabled access, green building standards and City adopted ordinances.
3. Review the plans for compliance with Federal Flood Plain regulations for projects in the
special flood hazard area designated on the flood insurance rate map (FIRM) as Flood
Zone A or AE.
4. Recheck and approval of final plans and supporting documents to be provided without
additional charge for recheck.
5. Submittal of approved plans and all supporting documents to the City of Santa Ana.
6. Provide all necessary liaison and meetings with applicants via phone, e-mail or in person
to expedite the review process and consult on complex code issues with City of Santa
Ana Building Official.
7. Plan review report to be customized for each project and be delivered via mail or e-mail
to City and the applicant.
8. Structural portion of the plans to be reviewed by California Licensed Civil or Structural
Professional Engineer.
9. Plan reviewer to be consistent, accurate, available, and responsive to the City and the
applicant via phone, e-mail, and meetings. Also, the plan reviewer shall be available to
the Building Official and his staff to help answer Code questions arising from the review.
Plan reviewer shall provide assistance in evaluation of alternate materials, design and
methods of construction proposed by applicant.
10. Plan reviewer shall be available, at no expense to the City of Santa Ana, to meet at the
City office with owners, architects, engineers and contractors to discuss the Plan Check
Issues.
11. Plan reviewer to verify that the job description, scope of work, square footages,
occupancy classifications and type of construction, on the permit application agrees with
the plans and specifications. Plan reviewer will also verify the building valuation based
upon valuation costs used by the City of Santa Ana.
12. Initial Plan review to be complete within ten (10) working days and recheck within five (5)
working days.
13. Consultant fee for review services to be 60% of the City of Santa Ana Standard Plan
Check Fee, excluding any accelerated plan check fee.
14. Hourly projects including revisions, deferred submittals, trusses, stairs, curtain walls,
mechanical, plumbing and electrical plan reviews will be checked on an hourly rate of
$120.00Ihour when performed by a Certified Plans Examiner and a rate of$150.001hour
when performed by a registered Senior Plan Check Engineer.
15. Expedited Plan Review will be provided when requested for an individual project and will
be an additional 30% of the plan review fees above. For Expedited Plan Review, the
initial plan review to be complete within five (5) to seven (7) working days and recheck
within five (5) working days.
16. Fee(s) are charged in conformance with the City's Miscellaneous Fee Schedule.
17. Provide in-house temporary staff as approved by the Executive Director of the Planning
and Building Agency.
18. Courier service for pickup and delivery of plans to the City shall be provided at no
additional cost.
19. Plan review shall be performed electronically using the City's electronic plan review
system when requested by the City. No additional fees shall be charged for electronic
plan review.
B. Building Inspection Services
Consultant shall perform the following services.
1. Building inspection services for industrial, commercial, residential and public buildings to
determine compliance with approved plans and documents as well as applicable building
standards as related to existing and proposed buildings.
2. Building inspection services for compliance with California state-mandated regulations
for energy conservation, disabled access, green building standards and City adopted
ordinances.
3. Building inspection services for compliance with Federal Flood Plain regulations for
projects in the special flood hazard area designated on the flood insurance rate map
(FIRM) as Flood Zone A or AE.
4. Building inspectors shall be certified to perform inspections for compliance with
applicable California Building Standards Codes.
5. Building inspectors shall complete all necessary City forms and documents, enter
results, and follow the City's workflow when an inspection is conducted. Inspectors will
provide accurate correction notices and inspection records.
6. Building inspections shall be charged at an hourly rate of $100.00/hour when performed
by a Certified Building Inspector and a rate of$125.001hour when performed by a Senior
Certified Building Inspector. Mileage will not be reimbursed by the City.
7. Provide accelerated building inspection services on an as-needed basis.
8. Provide in-house temporary staff.
C. Technical Services
Consultant shall perform the following services.
1. Technical services shall be provided as-needed at hourly rates listed in Sections A and
B above, based on the qualifications of the consultant that will provide the service.
Technical services shall include training and technical studies with reporting with rates
ranging from $80.001hour to $150.00/hour, and document management system
administration services with rates ranging from $25.001hour to $45.00/hour based on
experience.
2. Permit technical services shall be charged at an hourly rate of $70.00/hour when
performed by non-certified permit technicians and $85.001hour when performed by
Certified Permit Technician.
3. Structural Peer Review services shall be performed by a California registered Structural
Engineer who has expertise in the current edition of ASCE 41 and performance-based
structural design methodologies. Peer reviewer shall have technical expertise in the
evaluation and retrofit of buildings similar to the one being reviewed and shall be familiar
with the technical issues and regulations governing the work to be reviewed. Consultant
shall provide a lump sum fixed fee for the structural peer review services based on the
scope and complexities of the project. This fee shall be subject to the approval of the
project applicant as a pass-through fee and shall be paid by the project applicant in
conformance with the City's Miscellaneous Fee Schedule.
EXHIBIT B
INSURANCE REQUIREMENTS
Prior to undertaking performance of work under this Agreement, Consultant shall maintain and
shall require any subcontractors to obtain and maintain insurance as described below for the
entire Term of this Agreement against claims for injuries to persons or damage to property
which may arise from or in connection with services, products and materials supplied to City.
`total cost of such insurance shall be borne by Consultant.
MINIMUM SCOPE AND LIMIT OF INSURANCE
1. Commercial General Liability (CGL): Insurance Services Office Form CG 00
01covering CGL on an "occurrence" basis, including products and completed operations,
property damage, bodily injury and personal & advertising injury with limits no less than
$2,000,000 per occurrence and $4,000,000 aggregate. Required policy limits can be met
with primary and umbrella/excess insurance policies.
2. Automobile Liability (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 commercial 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 umbrella/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): with limits no less than $1,000,000 per occurrence or claim,
and $2,000,000 aggregate.
If Consultant maintains broader coverage and/or higher limits than the minimum requirements
for each line of coverage shown above, City requires and shall be entitled to the broader
coverage and/or the higher limits maintained by Consultant. Any available insurance proceeds
in excess of the specified minimum limits of insurance and coverage shall be available to City.
Other Insurance Provisions
The above required insurance policies are to contain or be endorsed to contain the following
provisions:
1. City, its City Council, its officers, officials, employees, agents, and volunteers are to be
covered as additional insureds, under Consultant's CGL 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 furnished in connection with such
work or operations.
2. Consultant's Insurance company(ies) agrees to waive all rights of subrogation against
City, its City Council, its officers, officials, employees, agents, and volunteers for losses
paid under the terms of 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 whom a claim
is made or suit is brought, except with respect to the insurer's limits of liability.
5. Insurance policies required herein shall provide that coverage shall not be canceled,
suspended, voided, reduced in coverage or in limits, non-renewed by the carrier, or
materially changed except after thirty (30) days prior written notice has been given to
City. Ten (10) days prior written notice shall be provided to City for policy cancellation or
non-renewal due to non-payment of premium.
6. Certificate Holder on each Evidence of Insurance certificate shall be: City of Santa Ana,
Attention: (Name of Department Staff Responsible for Agreement), Address of
Department Responsible for Agreement, M-XX, Santa Ana, CA 92701. The name and
location of project must be included in the Description of Operations section of each
certificate.
Self-Insured Retentions
Self-insured retentions must be declared to and approved by the City. The City may require the
Consultant to purchase coverage with a lower retention or provide proof of ability to pay losses
and related investigations, claim administration, and defense expenses within the retention.
Acceptability of Insurers
Insurance is to be placed with insurers authorized to conduct business in the State of California
with a current A.M. Best rating of no less than A:VII, unless otherwise acceptable to City.
Verification of Coverage
Consultant shall furnish City with original Certificates of Insurance including all required
amendatory endorsements (or copies of the applicable policy language effecting coverage
required by this clause) and a copy of the Declarations and Endorsement Page of the CGL
policy listing all policy endorsements before work begins. However, failure to obtain the required
documents prior to the work beginning shall not waive Consultant's obligation to provide them.
City reserves the right to require complete, certified copies of all required insurance policies,
including endorsements required by these specifications, at any time.
Special Risks or Circumstances
City reserves the right to modify these requirements, including limits, based on the nature of the
risk, prior experience, insurer, coverage, or other special circumstances.
CERTIFICATE OF LIABILITY INSURANCE F
DATE(MMIDDNYYY)
1212/2025
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
BELOW, THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED
REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed.
If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on
this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).
PRODUCER CONTACT Shea Young Risk Strategies Company NAME PHONE S4erryYou g aA�c No
2040 Main Street, Suite 450 E-MAIL
Irvine, CA 92614 ADDRESS: s Dun risk-strate ies.com
INSURERS AFFORDING COVERAGE NAIL#
www.risk-strategies.com CA DOI License No.OF06675 INSURER A: Citizens Insurance Company of America 31534
INSURED INSURER B: Allmerica Financial Benefit Insurance Co 41840
True North Compliance Services, Inc.3355 E Spring Street, Suite 302 INSURER: The Hanover American Insurance Company 36064
Long Beach CA 90806 INSURER : Westfield National Insurance Company 24120
INSURER E:
INSURER F:
COVERAGES CERTIFICATE NUMBER: 88114468 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 ADDL SUER POLICY EFF POLICY EXP
LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER MMIDD)YYYY MM1DDlYYYY LIMITS
A `/ COMMERCIAL GENERAL LIABILITY ✓ �/ OB3J114022 8/27/2025 8/2712026 EACH OCCURRENCE $2 000 000
DAMAGE TO RENTED
CLAIMS-MADE IV]OCCUR PREMISES Ea occurrence $1,000,0()0
MED EXP(Any one person) S5,000
PERSONAL&ADV INJURY $2 000,000
GEN'L AGGREGATE LIMIT APPLIES PER- GENERAL AGGREGATE $4,0D0,000
POLICY JECT PRO- ❑ LOC PRODUCTS-COMPIOPAGG $4,000000
OTHER' $
B AUTOMOBILE LIABILITY ✓ ✓ AW3.1248741 12/9/2025 12/912026 EeaBINEDtSINGLELIMIT 51 000000
✓ ANY AUTO BODILY INJURY(Per person) S
OWNED SCHEDULED BODILY INJURY
AUTOS ONLY AUTOS (Per accident) S
HIRED NON-OWNED PROPERTYOAMAGE $✓ AUTOS ONLY ✓ AUTOS ONLY fPer accident
$
A ✓ UMBRELLALIAB H
OCCUR OB3J114022 8/2712025 8127/2026
EACH OCCURRENCE S2,000,000
EXCESS LIAR CLAIMS-MADE AGGREGATE S2 000 000
DED I ✓I RETENTIONO
$
C WORKERS COMPENSATION ✓ WZ3J114000 8/27/2025 8/2712026 PER GTH-
AND EMPLOYERS'LIABILITY YIN ✓ STATUTE ER
ANYPROPRIETOR/PARTNEPJFXECUTIVE E.L.EACH ACCIDENT $100 0 000
OFFICE WMEMBER EXCLUDED? ❑ N1A
(Mandatory in NH)
E.L.DISEASE-EA EMPLOYEE S
If yes,describe under
DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT S 1 000,Ono
D Professional Liability ADPOCOO828 8/27/2025 8/27/2026 Per Claim $2,000,000
Full Prior Acts Aggregate $4,000,000
DESCRIPTION OF OPERATIONS)LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required)
Digitallysigned
Projects as on file with the insured including but not limited to Building Safety Services. TU Tr an by Tu Nguyenn
The City of Santa Ana,its officers,officials,employees,and volunteers are named as additional insureds and Nj U en Date:2025.12.04
primary/non-contributory clause applies to the general and auto liability policies and a waiver of subrogation applies to the lo:osss-oaeo,
general,auto,work comp and professional liability policies-see attached endorsements.
APPROVED
CERTIFICATE HOLDER CANCELLATION By Tu Tran Nguyen at 10:05 am,Dec 04,2025
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
City of Santa Ana THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
Planning and Building Agency ACCORDANCEWITH THE POLICY PROVISIONS.
20 Civic Center Plaza
Santa Ana CA 92702 AUTHORIZED REPRESENTATIVE
RSC Insurance Brokerage
O 1988-2015 ACORD CORPORATION. All rights reserved.
ACORD 25(2016103) The ACORD name and logo are registered marks of ACORD
8811446E 1 25-26 GL-AI,-UMH-wC-PLC. I Sherry You g 1 12/2/2025 6:00:03 AM (FST I Page 1 of 1�
Architects and Engineers
The following policy language is from Businessowners General Liability Coverage Part
NAMED INSURED: True North Compliance Services, Inc. POLICY NUMBER. OB3J114022
The following are mandatory forms on the policy identified on the Certificate of Insurance:
391-1586 (08-16) BUSINESSOWNERS GENERAL LIABILITY SUPPLEMENTARY ENDORSEMENT
Additional Insured by Contract, Agreement or Permit
A. Section II — Liability, C—Who is an insured is amended to include as an additional insured any person or organization with
whom you agreed in a written contract,written agreement or permit but only respect to liability for"bodily injury", "property damage"
or"personal and advertising injury"caused, in whole or in part, by your acts or omissions; or the acts or omissions of those acting
on your behalf, but only with respect to:
(i) "Your work"for the additional insured(s) designated in the contract, agreement or permit including "bodily injury"
or"property damage"included in the"products-completed operations hazard"only if this Coverage Part provides
such coverage;
(ii) Premises you own, rent, lease, or occupy; or
(iii) Your maintenance, operation or use of equipment leased to you.
*Definition: "Your work" a. Means: (1)Work or operations performed by you or on behalf; and (2) materials, parts or equipment
furnished in connection with such work or operations; b. Includes (1)warranties or representations made at any time with
respect to the fitness, quality, durability, performance or use of"your work"; and (2)the providing of or failure to provide warnings
or instructions.
This provision does not apply:
(1) Unless the written contract or written agreement has been executed or permit has been issued prior to the "bodily
Injury", "property damage", "personal injury"or"advertising injury".
(2)To any person or organization Included as an Insured by an endorsement Issued by us and made part of this Coverage
Part.
(3) To any lessor of equipment (a) After the equipment lease expires; or (b) If the "bodily Injury", "property damage",
"personal injury"or"advertising Injury" arises out of sole negligence of the lessor.
(4) To any: (a) Owners or other Interests from whom land has been leased which takes place after the lease for the land
expires; or(b) Managers or lessors of premises if: (i) The occurrence takes place after you cease to be a tenant in that
premises; or (ii) The "bodily injury", "property damage", "personal injury" or "advertising injury" arises out of structural
alterations, new construction or demolition operations performed by or on behalf of the manager or lessor.
(5) To "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or failure to
render any professional services.
This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring,
employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property
damage" or the offense which caused the "personal and advertising injury" involved the rendering of or failure to render any
professional services by or for you.
Other Insurance Primary & Non-Contributory
The following paragraph is added to SECTION III—COMMON POLICY CONDITIONS, H—Other Insurance.Additional Insured
—Primary and Non-Contributory. If you agree in a written contract, written agreement or permit that the insurance provided to
any person or organization included as an Additional Insured under SECTION II—Liability, C. Who is an Insured is primary and
non-contributory, the following applies: If other valid and collectible insurance is available to the Additional Insured for a loss
covered under SECTION II— LIABILITY of this Coverage Part, our obligations are limited as follows:
(1) Primary Insurance: This insurance is primary to other insurance that is available to the Additional Insured which covers
the Additional Insured as a Named Insured. We will not seek contribution from any other insurance available to the
Additional insured except: (a) For the sole negligence of the Additional Insured; (b) When the Additional Insured is an
Additional Insured under another primary liability policy; or (c) When b. below applies. If this insurance is primary, our
obligations are not affected unless any of the other insurance is also primary.
(2) Excess Insurance:
(a)This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis:
(i) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for"your work";
(ii) That is Fire insurance for premises rented to the Additional Insured or temporarily occupied by the Additional
Insured with permission of the owner;
No coverage is provided by this Notice,nor can it be construed to replace any provisions of the policy(including its endorsements). If there is any conflict
between this Notice and the policy(including the endorsements),the provisions of the policy(including its endorsements)shall prevail.
88114468 1 25-25 GL-AL-SFMH-WC-PL i Sh-y Young 1 12/2/2025 6:00:03 AN (SST( I Page 2 of 15
(iii) That is insurance purchased by the Additional Insured to cover the Additional Insured's liability as a tenant for
"property damage"to premises rented to the Additional Insured or temporarily occupied by the Additional with
permission of the owner; or
(iv) If the loss arises out of the maintenance or use of aircraft, "autos"or watercraft to the extent not subject to
Exclusion g, of SECTION II - LIABILITY. B. Exclusions, 1.Applicable to Business Liability Coverage,
(v) That is insurance available to you for your participation in any past or present"unnamed joint venture".
(vi) That is any insurance you may have that provides coverage for your professional services.
(b)When this insurance is excess, we will have no duty to defend the insured against any "suit" if any other insurer has
a duty to defend the insured against that"suit". If no other insurer defends, we will undertake to do so, but we will be
entitled to the insured's rights against all those other insurers.
(c)When this insurance is excess over other Insurance, we will pay only our share of the amount of the loss, if any, that
exceeds the sum of:
(i) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and
(ii) The total of all deductible and self-insured amounts under all that other insurance.
We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision
and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage
part.
(3) Method Of Sharing
If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach,
each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains,
whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by
limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total
applicable limits of insurance of all insurers.
Per Project Aggregate
The following changes are made to SECTION II -LIABILITY:
1.The following is added to SECTION Il - LIABILITY, D. Liability and Medical Expenses Limits of Insurance, paragraph 4:
The Aggregate Limits of Insurance apply separately to each of"your projects"or each "location" listed in the
Declarations.
2. For the purpose of coverage provided by this endorsement only, the following is added to SECTION II-LIABILITY, F. Liability
and Medical Expenses Definitions:
1. "Your project" means:
a.Any premises, site or"location" at, on, or in which "your work" is not yet completed; and
b. Does not include any "location" listed in the Declarations.
2. "Location" means premises involving the same or connecting lots, or premises whose connection is interrupted only by a
street, roadway, waterway or right-of-way of a railroad.
Separation Of Insureds
Except with respect to the Limits of insurance, and any rights or duties specifically assigned in this Coverage Part to the first
Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and, b. Separately to each
insured against whom claim is made or"suit" is brought.
Waiver Of Subrogation
The TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Condition(Section IV—COMMERCIAL
GENERAL LIABILITY CONDITIONS) is amended by the addition of the following:
We waive any right of recovery we may have against the person or organization where required by written contract because of
payments we make for injury or damage arising out of your ongoing operations or"your work"done under a contract with that
person or organization and included in the "products-completed operations hazard". This waiver applies only to the person or
organization where required by written contract.
Notice Of Cancellation
For any statutorily permitted reason other than non-payment of premium,the number of days required for notice of cancellation,
as provided in paragraph 2. of either the CANCELLATION Common Policy Condition or as amended by an applicable
state cancellation endorsement, is increased to 30 Days.
AUTHORIZED REPRESENTATIVE
*From Hanover Forms: 391-1003(08116);391-1445 (08116);391-1586(08116),391-1003(08116)
No coverage is provided by this Notice,nor can it be construed to replace any provisions of the policy(including its endorsements). If there is any conflict
between this Notice and the policy(including the endorsements),the provisions of the policy(including its endorsements)shall prevail,
8811,1-165 1 25-26 GL-AL-UMB-WC-2L I Sherry Young 112/2/2025 6:00iO3 AM (PST) I Page 3 of 15
O B 3J 114022
COMMON POLICY CONDITIONS
All Coverage Parts included in this policy are subject to the following conditions.
A. Cancellation b. Give you reports on the conditions we
1. The first Named Insured shown in the find; and
Declarations may cancel this policy by c. Recommend changes.
mailing or delivering to us advance written 2, We are not obligated to make any
notice of cancellation. inspections, surveys, reports or
2. We may cancel this policy by mailing or recommendations and any such actions we
delivering to the first Named Insured written do undertake relate only to insurability and
notice of cancellation at least: the premiums to be charged. We do not
a. 10 days before the effective date of make safety inspections. We do not
cancellation if we cancel for nonpayment undertake to perform the duty of any person
of premium; or or organization to provide for the health or
safety of workers or the public. And we do
b. 30 days before the effective date of not warrant that conditions:
cancellation if we cancel for any other
reason. a. Are safe or healthful; or
3. We will mail or deliver our notice to the first b. Comply with laws, regulations, codes or
Named Insured's last mailing address known standards.
to us. 3. Paragraphs 1. and 2. of this condition apply
4. Notice of cancellation will state the effective not only to us, but also to any rating,
date of cancellation. The policy period will advisory, rate service or similar organization
end on that date. which makes insurance inspections, surveys,
reports or recommendations.
5. If this policy is cancelled, we will send the 4. Paragraph 2, of this condition does not apply
first Named Insured any premium refundpp y
due. If we cancel, the refund will be pro rata. to any inspections, surveys, reports or
If the first Named Insured cancels, the refund recommendations we may make relative to
may be less than pro rata. The cancellation certification, under state or municipal
will be effective even if we have not made or statutes, ordinances or regulations, of
offered a refund. boilers, pressure vessels or elevators.
6. If notice is mailed, proof of mailing will be E. Premiums
sufficient proof of notice. The first Named Insured shown in the
B. Changes Declarations:
This policy contains all the agreements between 1. Is responsible for the payment of all
you and us concerning the insurance afforded. premiums; and
The first Named Insured shown in the 2. Will be the payee for any return premiums
Declarations is authorized to make changes in we pay.
the terms of this policy with our consent. This F. Transfer Of Your Rights And Duties Under This
policy's terms can be amended or waived only Policy
by endorsement issued by us and made a part
of this policy. Your rights and duties under this policy may not
be transferred without our written consent
C. Examination Of Your Books And Records except in the case of death of an individual
We may examine and audit your books and named insured.
records as they relate to this policy at any time If you die, your rights and duties will be
during the policy period and up to three years transferred to your legal representative but only
afterward. while acting within the scope of duties as your
D. Inspections And Surveys legal representative. Until your legal
1. We have the right to: representative is appointed, anyone having
proper temporary custody of your property will
a. Make inspections and surveys at any have your rights and duties but only with
time, respect to that property.
1L 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1
aaixsaoe 3s-2s GL-A7-UM3-wc-PL I sh..—y Young 12/2/202S 6:00:03 M e?6T) 1 Pace 4 �e is
4 Hanover
Insurance Group-
BUSINESSOWNERS DECLARATION
BUSINESSOWNERS RENEWAL DECLARATIONS
33
RENEWAL OF OB3 J114022
Policy Number Policy Period Coverage is Provided in the Agency Code
From To
OB3-J114022-03 08/27/2025 08/27/2026 CITIZENS INSURANCE COMPANY OF AMERICA 100158600
Named Insured and Address Agent
TRUE NORTH COMPLIANCE SERVICES 949-242-9240
SERVICES, INC. RSC INSURANCE BROKERAGE
3355 E SPRING ST, STE 302 INC.
LONG BEACH CA 90806 2040 MAIN ST STE 450
IRVINE, CA 92614
Policy Period: Beginning and Ending at 12:01 a.m. Standard Time at the Location of the Described Premises.
Business Type: ASSOCIATION.
Mortgagee/Loss Payable:
Business of the Named Insured:
OFFICE.
In consideration of the premium, insurance is provided the Named Insured with respect to those premises described in the
Schedule below and with respect to those coverages and kinds of property for which a specific Limit of Insurance is shown,
subject to all of the terms of this policy including forms and endorsements made a part hereof:
LOCATION SCHEDULE
Described Premises:
NO,001 001 3939 ATLANTIC AVE, LONG BEACH,CA 90807
NO.002 001 990 HIGHLAND DRIVE, SOLANA BEACH, CA 92075
NO.003 001 1336 N CAROLAN AVE, BURLINGAME, CA 94010
SEE FORM 391-1013 FOR ADDITIONAL PREMISES.
SECTION I - PROPERTY LIMITS OF INSURANCE
Loc No 001 Bldg No 001 Lac No 002 1 Bldg No 001 Loc No 003 Bldg No 001
Deductible Amount $ 500 $ 500 $ 500
Building Amount NOT COVERED NOT COVERED NOT COVERED
Valuation
Business Personal $ 128,304 $ 32,076 $ 32,076
Property Valuation RC RC RC
Business Income ACTUAL BUSINESS LOSS SUSTAINED NOT EXCEEDING 12 CONSECUTIVE MONTHS
Business Income Excluded / None / 24 hours /48 hours 172 hours
Waiting Period 48 HOURS
SECTION II - LIABILITY 1 LIMITS OF INSURANCE
Liability and Medical Expenses Limits of Insurance:
Except for Damage to Premises Rented to You, each paid claim for the following coverages reduce the Amount of Insurance we
provide during the applicable annual period. Please refer to SECTION II - LIABILITY, D. LIABILITY AND MEDICAL EXPENSES
LIMITS OF INSURANCE, paragraph.4. of the Businessowners Coverage Form.
Liability and Medical Expenses Limit $ 2,000,000 Per Occurrence $ 4,000,000 Aggregate
Medical Expenses $ 5,000 Each Person
Damage to Premises Rented to You $ 1,000,000 All Perils
Date Issued: 06/24/2025 ORIGINAL/INSURED Payment Type: ELECTRONIC EXCHANGE
GROUP NAME:ARCHITECTS & ENGINEERS GROUP NUMBER: ZJE
391-1002 08 16 Page 1 of 2
83114168 125-26 CL-AL-LIMB-WC-PL I sherry rouag 112/2/2025 6:00:03 AM (LIST) I Page 5 of 15
POLICY NO. : AW3J248741
True North Compliance Services,Inc.
THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY.
BLANKET ADDITIONAL INSURED - PRIMARY AND NON-CONTRIBUTORY
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
A. The following is added to SECTION II —
LIABILITY COVERAGE, Paragraph A.1. Who Is If you agree in a written contract, written
An Insured: agreement or written permit that the insurance
Additional insured if Required by Contract provided to a person or organization who qualifies
If you agree in a written contract, written as an additional "insured" under SECTION II —
agreement or written permit that a person or LIABILITY COVERAGE, Paragraph A.I. Who Is
organization be added as an additional "insured" An Insured, subparagraph Additional Insured if
under this Coverage Part, such person or Required by Contract is primary and non-
organization is an "insured"; but only to the extent contributory, the following applies:
that such person or organization qualifies as an The liability coverage provided by this Coverage
"insured" under paragraph A.1.c. of this Section. Part is primary to any other insurance available to
If you agree in a written contract, written the additional "insured" as a Named Insured. We
agreement or written permit that a person or will not seek contribution from any other insurance
organization be added as an additional "insured" available to the additional"insured" except:
under this Coverage Part, the most we will pay on (1) For the sole negligence of the additional
behalf of such additional "insured" is the lesser of: "insured"; or
(1) The Limits of Insurance for liability coverage (2) For negligence arising out of the ownership,
specified in the written contract, written maintenance or use of any "auto" not owned
agreement or written permit; or by the additional "insured" or by you, unless
(2) The Limits of Insurance for Liability Coverage that "auto" is a "trailer" connected to an "auto"
shown in the Declarations applicable to this owned by the additional "insured" or by you; or
Coverage Part. (3) When the additional "insured" is also an
Such amount shall be part of and not in addition to additional "insured" under another liability
the Limits of Insurance shown in the Declarations policy.
applicable to this Coverage Part. Regardless of C. This endorsement will apply only if the "accident"
the number of covered "autos", "insureds", occurs:
premiums paid, claims made or vehicles involved 1. During the policy period;
in the "accident", the most we will pay for the total
of all damages and "covered pollution cost or 2. Subsequent to the execution of the written
expense" combined resulting from any one contract or written agreement or the issuance
"accident" is the Limit of Insurance for Liability of the written permit; and
Coverage shown in the Declarations. 3. Prior to the expiration of the period of time that
B. The following is added to SECTION IV — the written contract, written agreement or
BUSINESS AUTO CONDITIONS, Paragraph B. written permit requires such insurance to be
General Conditions, subparagraph 5. Other provided to the additional "insured".
Insurance: D. Coverage provided to an additional "insured" will
Primary and Non-Contributory not be broader than coverage provided to any
other"insured" under this Coverage Part.
ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED.
Page 1 of 1
461-0478 12 12 Includes copyrighted materfal of ISO Insurance Services Office, Inc.,with its permission
88114,16g 25-26 CL-AL-UM13-WC-PT_ i Sherry Young 112/2f2025 S:00:03 AM (PST) I Page S of 15,
AW3J248741
True(North Complfance Services, Inc.
Hanover
Insuranl-�A[;rn[r1�
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
BUSINESS AUTO COVERAGE
BROADENING ENDORSEMENT
This endorsement modifies insurance provided under the following.
BUSINESS AUTO COVERAGE FORM
With respect to coverage provided by this endorsement, the provisions of the Coverage Form
apply unless modified by the endorsement.
1. CANCELLATION EXTENSION
d. Any business entity for which you
Paragraph A. CANCELLATION 2. b. of the have a financial interest greater
COMMON POLICY CONDITIONS is than 50% of the voting stock or
replaced with the following: otherwise have a controlling
b. 60 days before the effective dale interest after the effective date of
of cancellation if we cancel for this policy or that is newly
any other reason. acquired or formed by you during
the term of this policy.
SECTION I -COVERED AUTOS
The coverage provided by this
2. EMPLOYEE HIRED "AUTOS" provision is afforded until
Description Of Covered Auto expiration or termination of
Designation Symbols; Symbol 8 is this policy, whichever occurs
replaced by the following: earlier.
8 = Hired "Autos" Only - Only those The coverage provided by this;.
"autos" you lease, hire, rent or borrow; provision does not apply to
including "autos"your employee hires at any business entity described
your direction, for the purpose of in d. above that qualifies as an
conducting your business. This does not insured under any other
include any "auto" you (ease, hire, rent, or automobile liability policy
borrow from any of your "employees" or issued to that business entity
partners or members of their households. as a named insured or would
have been an insured except
SECTION II -LIABILITY COVERAGE for the exhaustion of the
policy limits or the insolvency
3, BROADENED NAMED INSUREIX of the insurer.
The following is added to the SECTION II - The coverage provided by this
LIABILITY COVERAGE, Paragraph 1, Who provision does not apply to
Is An Insured provision: "bodily injury" nor "property
damage" arising from an
accident that occurred prior to
your acquiring or forming the
business entity described in d.
above.
1nciudes copyrighted material of Insurance Services Office, Inc with its permission,
Copyright, Insurance Services Office, Inc., 1996
461-0155 (9-97) Page 1 of 7
88114468 25-26 GL-AL-UMB-WC-PL I sherry Young 1 12/2/2025 6:00:03 AM (PST) I Page 7 of 15
4. EMPLOYEES AS INSUREDS SECTION III - PHYSICAL DAMAGE
COVERAGE.
The following is added to the SECTION 11 -
LIABILITY COVERAGE, Paragraph 1. Who 7, EXPENSE OF RETURNING A STOLEN
Is An Insured provision: "AUTO" and SIGN COVERAGE
=a. Any employee of yours is an The following is added to SECTION III -
"insured" while using a covered PHYSICAL DAMAGE COVERAGE,A.1.
"auto" you do not own, hire or COVERAGE:
borrow in your business or your
personal affairs, d. Expense Of Returning A Stolen
`SUPPLEMENTARY PAYMENTS
"Auto"
We wi I I pay for the expense of
The following amends SECTION 11 - returning a covered "auto" to you.
LIABILITY COVERAGE, Paragraph 2
Coverage Extensions provision: a Sign Coverage
Paragraph (2) is replaced by the following: We will pay for loss to signs,
(2) Up to $2500 for cost of bail bonds murals, paintings or graphics,
(including bonds for related traffic as part of equipment, which are
law violations) required because displayed on a covered "auto".
of an "accident" we cover. We do
not have to furnish these bonds. The most we will pay for "loss" in
Paragraph (4) is replaced by the following: any one "accident" is the lesserof:
(4) All reasonable expenses incurred
by the "insured" at our request, 1, The actual cash value of
including actual loss of earnings the property as of the
up to $500 a day because of time time of the "loss"; or
off from work. 2, The cost of repairing or
6. AMENDED FELLOW EMPLOYEE replacing the damaged or
stolen property with other
EXCLUSION property of like kind and
quality; or
The following is added to the SECTION It - qua
$200
LIABILITY COVERAGE, B. Exclusions
Paragraph 5. Fellow Employee exclusions g, GLASS BREAKAGE DEDUCTIBLE
This exclusion does not apply if the The following is added to SECTION III
"bodily injury" arises from the use of a PHYSICAL DAMAGE COVERAGE,A.
covered "auto" you own or hire. This COVERAGE paragraph 3. Glass Breakage
coverage is excess over any other Hitting a Bird or Animal - Falling Objects
collectible insurance
or Missiles:
Any deductible shown in the
Declarations as applicable to the
Includes copyrighted material of Insurance Services Office, Inc. with its permission
Copyright, Insurance Services Office, Inc., 1996
461-0155 (9-97) Page 2 of 7
58114468 25-26 GL-AL UME-WC-PL I Sherry Young 112/2/2025 9:00:03 AN: {PST} I Page 8 of 15
Ha"' over
Insuranm C:[oath.
covered "auto" will not apply to glass direction, for the purpose of
breakage if such glass is repaired, conducting your business, for a
rather than replaced, period of 30 days or less, of like
kind and use as the "autos" you
9> TRANSPORTATION EXPENSE own, subject to the following:
Paragraph 4. Coverage Extension. of The most we will pay for any one
SECTION III - PHYSICAL DAMAGE loss is the lesser of the following:
COVERAGE, A. COVERAGE is replaced
with the following: a. $50,000 per accident, or
b. cash value, or
4. Coverage Extensiof c. the cost of repair,
We will pay up to $50 per day to a minus the deductible equal to the
maximum of$1500 for temporary lowest deductible applicable to
transportation expense incurred any owned "auto" for that
by you because of the total theft of coverage. Any deductible shown
a covered "auto" of the private in the Declarations does not apply
passenger type. We will pay only to "loss" caused by fire or
for those covered "autos" for lightning. Subject to the limit and
which you carry either deductible stated above, we will
Comprehensive or Specified provide coverage equal to the
Causes of Loss Coverage. We will broadest coverage provided to
pay for temporary transportation any covered "auto" you own, that
expenses incurred during the is applicable to the loss
period beginning 24 hours after
the theft and ending, regardless of if the loss arises from an accident
the policy s expiration, when the for which you are legally liable
covered "auto" is returned to use and the lessor incurs an actual
or we pay for its "loss", financial loss from that accident,
we will cover the lessor s actual
10. HIRED AUTO PHYSICAL DAMAGE financial loss of use of the hired
'"auto" for a period of up to seven
The following is added to SECTION III - consecutive days from the date of
PHYSICAL DAMAGE COVERAGE,A. the accident, subject to a limit of
COVERAGE: $1,000 per accident.
Hired Auto Physical Damage t1. AUDIO, VISUAL AND DATA
ELECTRONIC EQUIPMENT COVERAGE
If hired "autos" are covered
'"autos" for Liability Coverage and The following is added to SECTION III -
if Physical Damage Coverage of PHYSICAL DAMAGE COVERAGE,A.
Comprehensive, Specified Causes COVERAGE:
of Loss, or Collision is provided
under this Coverage Form for any 6. Audio, Visual and Data Electronic
"'auto" you own, then the Physical Equipment Coverage
Damage Coverage(s) provided is
extended to "autos" you hire We wall pay for "loss" to any
without a driver or your employee electronic equipment that receives
hires, without a driver, at your
includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Services Office, Inc., 1996
461-0155 (9-97) Page 3 of 7
88114468 25-26 CL-AL-UYE-IQC-PL I Sherry Young 112/2/2025 6:00;03 AM (PST} I Page 9 of 15
or transmits audio, visual or data equipment is permanently
signals and that is not designed installed in the covered
solely for the reproduction of "auto", and
sound. This coverage applies b Permanently installed
only if the equipment is in the opening of the dash
permanently installed in the or console normally used
covered "auto" at the time of the by the manufacturer for
"loss" or the equipment is the installation of a radio,
removable from a housing unit
which is permanently installed in With respect to coverage herein,
the covered auto at the time of the LIMIT OF INSURANCE
the "loss", and such equipment is provision of PHYSICAL DAMAGE
designed to be solely operated by COVERAGE is replaced by the
use of the power from the "auto s" following:
electrical system, in or upon the
covered "auto", including its 1. The most we will pay for all
antennas and other accessories. "loss" to audio, visuai or data
However , this does not include electronic equipment and any
tapes, records or discs, accessories used with this
equipment as a result of any
The exclusions that apply to one "accident" is the lesser of
PHYSICAL DAMAGE COVERAGE,
except for the exclusion relating to a. The actual cash value of
Audio, Visual and Data Electronic the damaged or stolen
Equipment, also apply to coverage property as of the time of
provided herein. In addition, the the "loss"; or
following exclusions apply; b. The cost of repairing or
replacing the damaged or
We will not pay , under this stolen property with other
coverage, for either any electronic property of like kind and
equipment or accessories used quality; or
with such electronic equipment C. 5500,
that is:
2. An adjustment for
1. Necessary for the normal depreciation and physical
operation of the covered condition will be made in
"auto" or the monitoring of determining actual cash value
the covered "auto s" at the time of the "loss".
operating system; or
;3. Deductibles applicable to
2. Both: PHYSICAL DAMAGE
COVERAGE, do not apply
a. An integral part of the to this Audio, Visual and Data
same unit housing any Electronic Equipment
sound reproducing Coverage,
equipment designed
solely for the If there is other coverage provided
reproduction of sound if by this policy for audio, visual and
the sound reproducing data electronic equipment, the
coverage provided herein is
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Copyright, insurance Services Office, Inc., 1996
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4 Hanover
Insnranc
excess. However, you may elect covered°auto". If loss is
to apply the limit or any portion caused by theft, this
thereof of coverage provided number of days is added
herein to pay any deductible that to the number of days it
is applicable under the provisions takes to locate the covered
of the other coverage. "auto' and transport it to a
repair shop.
12. RENTAL REIMBURSEMENT and
MATERIAL TRANSFER EXPENSE 2, 60 days.
The following is added to SECTION III - Our payment is limited to the
PHYSICAL DAMAGE COVERAGE,A. lesser of the following amounts-
COVERAGE.
1. Necessary and actual
Rental Reimbursement and expenses incurred,
Material Transfer Expense including loss of use.
This coverage provides only those . $3000.
Physical Damage Coverages
where a premium is shown in the This auto rental expense coverage
Declarations. It applies only to a does not apply while there are
covered "auto" described or spare or reserve "autos" available
designated to which the Physical to you for your operations.
Damage Coverages apply.
If"loss" results from the total theft
We will pay for auto rental of a covered "auto' of the private
expenses and the expenses, passenger type, we will pay under
incurred by you because of"loss" this coverage only that amount of
to a covered "auto", to remove your rental reimbursement
and transfer your materials and expenses which is not already
equipment from the covered provided for under the SECTION
"auto" , Payment applies in III - PHYSICAL DAMAGE
addition to the otherwise COVERAGE, A, 4. Coverage
applicable amount of each Extension.
coverage you have on a covered
"auto". No deductibles apply to 13. AIRBAG COVERAGE
this coverage.
The following is added to SECTION III -
We will pay only for those auto PHYSICAL DAMAGE COVERAGE, B.
rental expenses incurred during Exclusions, paragraph 3.
the policy period beginning 24
hours after the "loss" and ending, The portion of this exclusion relating .to
regardless of the policy s mechanical or electrical breakdown does
expiration, with the lesser of the not apply to the accidental discharge of an
following number of days: airbag. This coverage is excess of other
collectible Insurance or warranty, No
1 The number of days deductible applies to this Airbag
reasonably required tq-. Coverage.
repair or replace the
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461-0155 (9-97) Page 5 of r
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�4, AUTO LOAN PHYSICAL DAMAGE imposed under a lease for excessive use,
EXTENSION abnormal wear and tear or high mileage;
security deposits not refunded by the
The following is added to SECTION Ili , lessor; cost for extended warranties,
PHYSICAL DAMAGE COVERAGE, C. Limit Credit Life Insurance, Health, Accident or
Of Insurance provision: Disability Insurance purchased with the
loan; and carry over balances from
When a "loss" results in a total loss to a previous leases.
covered auto you own for which a Loss
Payee is designated In this policy, the This coverage applies only to the initial
most we will pay for "loss" in any one lease for the covered "auto" which has not
"accident" is the greater of: previously been leased. This coverage is
excess over all other collectible
The actual cash value of the insurance,
damaged or stolen property as of
the time of the "loss"; or SECTION IV- CONDITIONS
2. The outstanding balance of the 16. DUTIES IN THE EVENT OF ACCIDENT,-
initial loan, less any amounts for CLAIM, SUIT OR LOSS
taxes, overdue payments, overdue
payment charges, penalties, The following is added to SECTION IV -
interest , any charges for early BUSINESS AUTO CONDITIONS, A. Loss
termination of the loan, costs for Conditions, 2, Duties In The Event Of
Credit Life Insurance, Health, Accident, Claim, Suit Or Loss:
Accident or Disability Insurance
purchased with the loan, and i, Knowledge of any "accident",
carry-over balances from previous claim, "suit" or "loss" will be
loans. deemed knowledge by you when
notice of such "accident",
15. AUTO LEASE PHYSICAL DAMAGE claim, "suit" or "loss" has been
EXTENSION received by:
The following is added to SECTION III - (1) You, if you are an individual;
PHYSICAL DAMAGE COVERAGE,C. Limit (2) Any partner or insurance
Of Insurance provision:. manager if you are a
partnership; or
If, because of damage, destruction or theft (3) An executive officer or
of a covered "auto", which is a long-term insurance manager if you are
leased "auto", the lease agreement a corporation.
between you and the lessor is terminated,
"we" will pay the difference between the 17. BLANKET WAIVER OF SUBROGATION
amount paid under paragraph C. LIMIT OF
INSURANCE 1. or 2. and the amount due Paragraph 5. Transfer Of Rights Of
at the time of"loss" under the terms of Recovery Against Others To Us, SECTION
the lease agreement applicable to the IV - BUSINESS AUTO CONDITIONS, A.
leased "auto" which you are required to Loss Conditions is replaced by the
pay: less any fees to dispose of the auto; following:
any overdue payments; financial penalties
Includes copyrighted material of Insurance Services Office,. Inc. with its permission
Copyright, Insurance Services Office, Inc,, 1996
461-0155 (9-97) Page 6 of 7
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Hanover
1nsur-loce
5. Transfer Of Rights Of Recovery 19. HIRED AUTO - WORLDWIDE
Against Others To Us COVERAGE
If any person or organization to or The following is added to SECTION IV -
for whom we make payment Business Auto Conditions, B. General
under this Coverage Form has Conditions, paragraph 7. Policy Period,
rights to recover damages from Coverage Territory provision:
another, which have not been
waived through the execution of e. Outside the coverage territory
an "insured contract", written described in a., b., c., and d.
agreement, or permit, prior to the above for an "accident" or "loss"
"accident" or "loss" giving rise to resulting from the use of a
the payment, those rights to covered "auto" you hire, without a
recover damages from another driver, or your employee hires
are transferred to us. That person without a driver, at your direction,
or organization must do for the purpose of conducting your
everything necessary to secure business, for a period of 30 days
our rights and must do nothing or less, provided the suit is
after the "accident" or "loss" to brought within The United States
impair them. of America or its territories or
possessions.
18. UNINTENTIONAL FAILURE TO
DISCLOSE INFORMATION SECTION V- DEFINITIONS
The following is added to SECTION IV 20. MENTAL ANGUISH
BUSINESS AUTO CONDITIONS. B.
General Conditions, paragraph 2. Paragraph C. "Bodily injury", SECTION V-
Concealment, Misrepresentation Or Fraud: DEFINITIONS is replaced by the following:
Your unintentional error in disclosing, C: "Bodily injury" means bodily injury,
or failure to disclose, any material fact sickness or disease sustained by a
existing after the effective date of this person including death or mental
Coverage Form shall not prejudice anguish resulting from any of these,
your rights under this Coverage Form.
However, this provision does not affect
our right to collect additional premium
or exercise our right of cancellation or
nonrenewal.
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461-0155 (9-97) Page 7 of 7
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WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT-CALIFORNIA
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
APPLIES AS BLANKET WAIVER
FOR THOSE HAVING A WRITTEN
CONTRACT WITH THE POLICY-
HOLDER REQUIRING WOS FOR
WC POLICYHOLDER EMPLOYEES,
This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated.
(The information below is required only when this endorsement is issued subsequent to preparation of the policy.)
Endorsement Effective 08/2712025 Policy No. W Z 3 J114 0 0 0 Endorsement No.
Insured True North Compliance Services,Inc.
Insurance Company THE HANOVER AMERICAN INSURANCE COMPANY
Countersigned By
WC 04 03 06(Ed 04-84)
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ADP0000828
True North Compliance Services,Inc.
f `� WESTFIELD
k.;A SPECIALTT"
The Insurer is under no obligation to renew this Policy upon its expiration. If the Insurer
decides to non-renew this Policy, the Insurer shall mail to the Named Insured written
notice stating such intent at least sixty(60) days before the Policy Period expiration date
set forth in Item 2 of the Declarations. Such notice shall state the reason for non-renewal.
(3) Notice of Cancellation and Non-Renewal
The Insurer shall mail or deliver any notice of cancellation or non-renewal in writing to the
Named Insured and, if applicable, the Named Insured's agent or broker. Proof of
mailing shall be sufficient proof of notice,and proof of delivery shall be treated the same as
mailing.
B. Alternation,Assignment and Headings
No change in, modification of, or assignment of interest under this Policy shall be effective except
when made by a written endorsement to this Policy that is issued by the Insurer.
The titles and headings to the various Sections, Subsections, and endorsements of this Policy are
included solely for ease of reference and do not in any way limit,expand,or otherwise affect the terms
and conditions of coverage.
C. Mergers and Acquisitions
If during the Policy Period the Named Insured undergoes a merger,acquisition,or dissolution,
then the Named Insured shall give the Insurer written notice of such change as soon as practicable,
but in no event later than the earlier of: (i)sixty(60) days after the effective date of such merger,
acquisition, or dissolution; or (2) the end of the Policy Period. In the event of such change,the
Insurer shall have the right to adjust the premium or revise coverage, subject to all other terms and
conditions of the Policy,and the Named Insured shall accept any premium adjustment or coverage
revisions which the Insurer may require.
D. Conflicting Statutes
Any part of this Policy which is in conflict with the statutes of the state in which this Policy is issued
is amended to conform to such statutes.
Notwithstanding the foregoing,if there is an inconsistency between a state amendatory endorsement
attached to this Policy and any other term or condition of this Policy,the Insurer shall apply,where
permitted by law,those terms and conditions either of such state amendatory endorsement or the
Policy which are more favorable to the Insured's coverage; provided that,with respect to any time
period relating to notice of cancellation or non-renewal,the Insurer shall apply the applicable state
law.
E. Subrogation
In the event of any payment under this Policy,the Insurer shall be subrogated to the extent of such
payment to all the Insured's rights of recovery. The Insured shall execute all papers required and
shall do everything necessary to secure and preserve such rights, including the execution of such
documents necessary to enable the Insurer to effectively bring suit or otherwise pursue subrogation
rights in the name of the Insured. Any recoveries by the Insurer of Damages paid under this Policy
shall be the sole property of the Insurer. The Insurer hereby waives its rights against any person or
entity to the extent that the Named Insured has,prior to a Wrongful Act or Pollution Incident,
entered into a written agreement to waive such rights.
F. Other Insurance
This Policy shall be specifically excess of and shall not contribute with any other valid and collectible
insurance (including any insurance under which there is a duty to defend or any project specific
insurance),regardless of whether such other insurance is stated to be primary,contributory,excess,
contingent or otherwise,unless such other insurance is specifically excess insurance over the limit of
liability of this Policy.
AEP 0000l 0724 Page 15 of 17 @2024 Westfield Specialty.All Rights Reserved.
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