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HomeMy WebLinkAboutTHOMAS HOUSE TEMPORARY SHELTER (2) INSURANCE ON FILE IVi&'K i rAV ITOCEED 131-01 [9—; uo MAYOR Li'' MAY 13 2026 CITY MANAGER Valerie Amezcua Alvaro Nunez MAYOR PRO TEM -t...!L�v'' CITY ATTORNEY David Penaloza Sonia R.Carvalho COUNCILMEMBERS CITY CLERK Phil Bacerra Jennifer L.Hall Johnathan Ryan Hernandez Jessie Lopez Thai Viet Phan Benjamin Vazquez 11 CITY OF SANTA A �Vf1 N A O'•Wpr(k) !V tvt.wa+ic;ns(D-L) COMMUNITY DEVELOPMENT AGENCY 20 Civic Center Plaza I PO Box 1988 Santa Ana,California 92702 www.santa-ana.org April 20,2026 Thomas House Temporary Shelter. Attn: Shakoya Green Long,CEO PO Box 2737, Garden Grove,CA 92842 Re: Extension of Agreement No. N-2025-131 to provide Homeless Housing,Assistance„ and Prevention program services. Pursuant to Section 3 ("Term") of the above-referenced Agreement, entered into by Thomas House Temporary Shelter and the City of Santa Ana, which commenced on May 10, 2025, the parties hereby exercise their option to extend the term of the Agreement for an additional one (1)year through May 9, 2027. Any insurance certificates are required to be extended and/or renewed to cover this extension. All other terms and conditions of the Agreement remain unchanged and in full force and effect. Sincerely, Michael Garcia Executive Director Community Development i CITY O SANTA ATTEST A varo Nuftez r nCTOR City Manager City Cie APPROVED AS TO FORM SUBCO Lk 64_ �._ Andrea N. Garcia a By: S a oya reen Long Senior Assistant City Attorney Title: CEO y SANTA ANA CITY COUNCIL Vaf..e Amezwa bawd Peneloza Thai VA Phan Oenjamn Vazquez 3assm Lopez Phil Race" Jahnallwn Ryan Hernandez may., Mayor Pro Tam-VV.,d 6 Ward 1 Ward 2 Wald 3 Ward 4 Ward 5 vainazwmn.sanW-arw aru rratezatrrsa,to-ana V<q tu.hart(t7tsanla-ana.oru Gvazuaaz nta_arra-rtr➢ Ls3�!9P—q;9?gJiw�3i!Lr 4LQ phacuna �an[a-ana-era irvnreharRar.JaE c,+3rila-ona.am Ace CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDD/YYYY) 11"Ii 10/2712025 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(les) 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 Arthur J. Gallagher Risk Management Services, LLC PHONE Chloe Huckaba FAX 2050 Main Street E :559-635-3559 Arc No Suite 1250 ADOR.ss: Chloe Huckabay@ajg.com Irvine CA 92614 INSURER(S)AFFORDING COVERAGE NAIC# Lioense#:OD69293 INSURER A:Wesco Insurance Company 25011 INSURED THOMHpi1-a2 INSURER B:Service American Indemnity Company 39152 Thomas House Temporary Shelter PO Box 2737 INSURER C:Security National Insurance Compariv 19879 Garden Grove CA 92842 INSURERD:Arch Insurance Company 11150 INSURER E INSURER F: COVERAGES CERTIFICATE NUMBER:731591517 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE ENSURED 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 SUBR POLICY EFF POLICY EXP LTR TYPE OF INSURANCE INSD ZOa POLICY NUMBER IMMIDDffYYYI (MMIDDIYYYY LIMITS C X COMMERCIAL GENERAL LIABILITY Y Y VVPP2087817 10/312025 10/312026 EACH OCCURRENCE $1,000,000 CLAIMS-MADE O OCCUR DAMAGE TO RENTED PREMISES Ea occurrence $100,000 MED EXP(Any one person) $5,000 PERSONAL&ADV INJURY $1,000,00o GEN'LAGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE S3,000,000 POLICY JECTPRO ❑ LOC PRODUCTS-COMPIOP AGG $3,000,DD0 X 1:1Ro- OTHER: $ C AUTOMOBILE LIABILITY Y Y SPP1822767 01 10I312025 1013/2026 COMBINED SINGLE LIMIT $1,000,000 Ea accident ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY $ AUTOS ONLY AUTOS (Per accident) X HIRED X NON-OWNED PROPERTYDAMAGE $ AUTOS ONLY AUTOS ONLY Per accident $ A X UMBRELLA LIAR X OCCUR WUM1829118 06 10/312025 1013/2026 EACH OCCURRENCE S 1,00Q000 EXCESS LIAR CLAIMS-MADE AGGREGATE S 1,000,000 ❑ED I X RETENTION$ S B WORKERS COMPENSATION Y SAT1S0344905 101112025 10/1/2026 X STATUTE EERH AND EMPLOYERS'LIABILITY Y 1 N ANYPROPRIETORIPARTNERIEXECUTIVE E.L.EACH ACCIDENT $1,000,000 OFFICERIMEMBEREXCLUDED? NIA (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $1,000,000 If yes,describe under DESCRIPTION OFOPERATIONS below E.L.DISEASE-POLICY LIMIT $1,000,000 C Social SenAces Prof.LiablFSO WPP208781'7 1013/2025 10/3/2025 Each IncidentlAgg $1 M 1$3M C Sexual cr Physical Abuse WPP2087817 10/312025 10/3/2026 Each IncidentlAgg $1 M 1$3M D Executive Package-See below NFP012112208 11/23/2024 11123/2025 DESCRIPTION OF OPERATIONS I LOCATIONS 1 VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) Executive Package-11/23/2024-1112312025 Policy#NFP012112208 Director&Officers&Employment Practices Liability: Digitally signed by APPROVED Limit of Liability:$1,000,OD0 Deductible$5,000 Tu Tran TuTran Nguyen By Tu Tran Nguyen at$:19 am,Nov 04,2025 Date: Fiduciary: Nguyen 08:19:39-08,00, Limit of Liability:$250,000 Deductible$0 City of Santa Ana,its City Council,officers,officials,employees,agents,and volunteers are included as Additional Insured as respects General Liability and Auto Liability policies,pursuant to and subject to the policy's terms,definitions,conditions and exclusions.Waiver of Subrogation applies to(CH/Al entities)as See Attached... CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of Santa Ana ACCORDANCE WITH THE POLICY PROVISIONS. Attention: Community Development Agency, Homeless 20 Civic Center Plaza, M25 AUTHORIZED REPRESENTATIVE Santa Ana CA 92701 ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD AGENCY CUSTOMER ID: THOMHOU-02 LOC#: AC"RL> ADDITIONAL REMARKS SCHEDULE Page 1 of I AGENCY NAMED MURED Arthur J.Gallagher Risk Management Services,LLC Thomas House Temporary Shelter PO Box 2737 POLICY NUMBER Garden Grove CA 92842 CARRIER 7NAIL CODE :]EFFECTIVE PATE: ADDITIONAL REMARKS THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM, FORM NUMBER: 25 FORM TITLE: CERTIFICATE OF LIABILITY INSURANCE respects to General Liability,Auto Liability and Workers Compensation policies,pursuant to and subject to the policy's terms,definitions,conditions and exclusions. ACORD 101 (2008101) O 2008 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 04 03 06 (Ed. 4-84) 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 per- form 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 See Below%of the California workers' compensation premium otherwise due on such remuneration. Schedule Person or Organization City of Santa Ana, its City Council, officers, officials, employees, agents, and volunteers Job Description Attention: Community Development Agency, Homeless 20 Civic Center Plaza, M25, Santa Ana CA 92702 Specific Waiver is $200 Flat Charge 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 Date:10/01/2 02 5 Policy No. SATI S 0 34 4 9 05 Endorsement No. Policy Effective Date: 10/01/2 0 2 5 to 10/01/2 0 2 6 Premium $ Insured: Thomas House Temporary Shelter DBA: Carrier Name I Code: Service American Indemnity Company Countersigned by WC040306 (Ed. 4-84) Page I of 'I POLICY NUMBER: WPP2087817 00 COMMERCIAL GENERAL LIABILITY CG 20 26 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED ® DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Person(s)Or Organization(s): City of Santa Ana, its City Council, officers,officials, employees, agents, and volunteers Attention: Community Development Agency, Homeless 20 Civic Center Plaza M25 Santa Ana CA 92702 Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II — Who Is An Insured is amended to B. With respect to the insurance afforded to these include as an additional insured the person(s) or additional insureds, the following is added to organization(s) shown in the Schedule, but only Section III—Limits Of Insurance: with respect to liability for"bodily injury", "property If coverage provided to the additional insured is damage" or "personal and advertising injury" required by a contract or agreement, the most we caused, in whole or in part, by your acts or will pay on behalf of the additional insured is the omissions or the acts or omissions of those acting amount of insurance: on your behalf: 1. In the performance of your ongoing operations; Required by the contract or agreement; or or 2. Available under the applicable Limits of 2. In connection with your premises owned by or Insurance shown in the Declarations; rented to you. whichever is less. However: This endorsement shall not increase the 1 The insurance afforded to such additional applicable Limits of Insurance shown in the insured only applies to the extent permitted by Declarations law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. CG 20 26 0413 ©Insurance Services Office, Inc., 2012 Page 'I of 1 POLICY NUMBER: WPP2087817 00 COMMERCIAL GENERAL LIABILITY CG 24 04 05 09 WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE : Name Of Person Or Organization: City of Santa Ana, its City Council, officers, officials, employees,:agents, and volunteers Information required to complete this Schedule, if not shown above, will be shown in the Declarations. The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of Section IV—Conditions: We waive any right of recovery we may have against the person or organization shown in the Schedule above 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 shown in the Schedule above. CG 24 04 05 09 0 Insurance Services Office, Inc., 2008 Wage 1 of 1 13 Business Auto Coverage Expansion Summary M - AmTrust's Business Auto Coverage Expansion is a comprehensive coverage enhancement designed for small businesses. For minimal cost, your insureds can have business •"a auto coverages second to none. Please see a few highlights of this coverage below. • Certain newly acquired or formed organizations • Blanket waiver of subrogation granted for an covered up to 180 days insured contract • Your employees are defined as an insured • Failure to disclose wording broadened for for autos rented in their own name (with your unintentional acts permission) in the conduct of your business . Hired car physical damage coverage • Blanket additional insured status when required amendment of other insurance provisions as to by a covered contract or agreement covered autos and autos rented by individual • Increased supplementary payments for employees in your business; you must have expenses incurred by you at our request hired and non-owned auto coverage for this physical damage enhancement to apply • Fellow employee exclusion removed • Towing and labor cost covered if labor is • Deductible waived for covered auto on glass performed at the place of disablement; limit if repaired $500 per disablement with no deductible • Limited personal effects coverage in covered • Increased temporary transportation expenses for auto up to $2,500 per loss with no deductible covered theft of a private passenger auto (limits • Downtime loss coverage up to a maximum of $50 per day/$1,000 maximum with 48-hour $100 per day/ 30 days wait period) • Rental Reimbursement coverage up to a • Accidental airbag discharge recovery cost maximum of$100 per day/ 30 days • Loss payee/lessee loan gap coverage for a • Diminishing deductible with loss-free policy covered total loss of an auto periods • Single deductible applies on multi-unit claims • Insurance is primary and noncontributory • Narrowed requirements for knowledge of loss This coverage highlight otAmTrusf North America's Business Automobile Expansion Coverage Endorsement CA990187 does not grant any coverage, nor form a part of your policy.For the actual coverage wording,please refer to the applicable form CA990187.$250 flat charge per policy. r• AmTrust North America An AmTrust Financial Company Business Auto 7r15 Your Success is©ur Policy.0 POLICY NUMBER: COMMERCIAL AUTO CA990187 07 15 This Endorsement Changes The Policy. Please Read It Carefully BUSINESS AUTO COVERAGE EXPANSION ENDORSEMENT This endorsement modifies insurance provided by 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. A. Newly Acquired or Formed under a contract or agreement in that Organizations, Employee Hired Car ".employee's" name, with your Liability and Blanket Additional Named permission, while performing duties Insured Status for Certain Entities. related to the conduct of your business. Item 1.Who is an Insured of Paragraph A. f. Any person or organization you are Coverage under SECTION II-COVERED required by written contract or AUTOS LIABILITY COVERAGE is agreement to name.as an additional amended to.add: "insured", but only with respects to Liability created in whole or in part by d. Any organization you newly acquire or ..liability form, other than a partnership,joint venture or limited liability company, and B. Increase O.f Loss Earnings Payment over.whic.h you.maintain ownership of a Subpart(4)of a.Supplementary Payments majority interest(greater than 50%), will of Item 2.Coverage Extensions of qualify as a Named Insured; however, Paragraph.A. Coverage.und.er SECTION II (1) coverage under this provision is —COVERED AUTOS LIABILITY afforded only until the. 180`h day COVERAGE is amended to read: after you acquire or form the (4) We will pay reasonable expenses organization or the end of the policy incurred by the"insured" at our period,whichever is earlier; request, including: actual loss of (2) coverage does not apply to"bodily earnings up to$1,000 per day injury" "property damage.."or because of time off from work. "covered pollution cost or expense" C. Fellow Employee Injured By Covered that results from an"accident"which Auto You Own Or Hire occurred before you acquired or Item 5. Fellow Employee.of.Paragraph B. formed the organization; and Exclusions under SECTION II COVERED (3) coverage does not apply if there is AUTOS LIABILITY COVERAGE is other similar insurance available to amended to add: that organization, or if similar This exclusion does not apply if the "bodily insurance would have been injury" results from the use of a covered. available but for its termination or "auto"you awn or hire. Such coverage as the exhaustion of its limits of is afforded by this provision is excess over insurance. any other collectible.insu.rance. This insurance does not apply if D. Limited Automatic Towing Coverage coverage for the newly acquired or formed organization is excluded either Item 2.Towing, of Paragraph A. Coverage, by the provisions of this coverage form under SECTION III—PHYSICAL DAMAGE or by endorsement. COVERAGE is amended to read: e. An "employee"of yours is an "insured" 2. Towing while operating an "auto" hired or rented Page 1 of 4 Includes Copyrighted Material of Insurance Services Offices, Inc.CA990187 0716 Used with permission We will pay for towing and labor costs "auto" caused by the same"accident". No each time that a covered "auto"is deductible will apply to this coverage. disabled. All labor must be performed at H. "Downtime Loss" Coverage the place of disablement of the covered Item 4.Coverage Extensions, of "auto". Paragraph A. Coverage, under SECTION a. The limit for towing and labor for Ill, PHYSICAL DAMAGE COVERAGE, is each disablement$500; amended to add: b. No deductible applies to this cover- "Downtime Loss" Coverage age. We will pay any resulting "downtime loss" E. Item 3. Glass Breakage—Hitting A Bird expenses you sustain as a result of a Or Animal—Falling Objects or Missiles of covered physical damage"loss"to a Paragraph A. Coverage under SECTION III covered "auto" up to a maximum of$100 --PHYSICAL DAMAGE COVERAGE, is per day, for a maximum of 30 days for the amended to add: same physical damage"loss", subject to Glass Repair Coverage the following conditions: We will waive the Comprehensive a. We will provide"downtime loss beginning deductible for Glass, if one is indicated on on the 5f"day after we have given you your covered"auto", for glass repairs. We our agreement to pay for repairs to a will repair at no cost to you, any glass that covered "auto" and you have given the can be repaired without replacement, repair facility your authorization to make provided the"loss" arises from a covered repairs; Comprehensive"loss"to your"auto". b.Coverage for"downtime loss" expenses F. Increase Of Transportation Expense will end when any of the following occur: Coverage (1) You have a spare or reserve"auto" Subpart a.Transportation Expenses of available to you to continue your Item 4.Coverage Extensions of Paragraph operations. A.Coverage under SECTION III— (2) You purchase a replacement"auto". PHYSICAL DAMAGE COVERAGE is (3) Repairs to your covered "auto" have amended to read; been completed by the repair facility a. Transportation Expenses and they determine the covered We will pay up to$50 per day to a "auto" is road-worthy. maximum of$1,000 for temporary (4) You reach the 30 day maximum transportation expense incurred by you coverage. because of the total theft of a covered "auto"`of the private passenger type. i. Item 4. Coverage Extensions, of We will pay only for those covered Paragraph A Coverage, under SECTION ' III. PHYSICAL DAMAGE COVERAGE, is "autos for which you carry either amended to add: Comprehensive or Specified Causes of Loss Coverage or Theft Coverage. We We will pay any resulting rental will pay for temporary transportation reimbursement expenses incurred by you for expenses incurred during the period a rental of an"auto" because of"loss"to a beginning 48 hours after the theft and covered "auto' up to a maximum of$100 per ending; regardless of the policy's day,for a maximum of 30 days for the same expiration,when the covered"auto" is physical damage"loss", subject to the returned to use or we pay for its"loss". following conditions: G. "Personal Effects" Coverage a. We will provide rental reimbursement Item 4.Coverage Extensions of.Paragraph incurred during the policy period A. Coverage, under SECTION ill beginning 24 hours after.the"lass"and PHYSICAL DAMAGE COVERAGE, is ending, regardless of the policy amended to add: expiration, with the number of days reasonably required to repair or replace "Personal Effects" Coverage the covered "auto". If the."loss" is We will pay actual cash value for"lass"to caused by theft, this number of days is "personal effects" of the"insured"while in the number of days it takes to locate the a covered "auto" subject to a maximum covered"auto"and return it to you or the limit of$2,500 per"loss", for that covered Page 2 of 4 Includes Copyrighted Material of Insurance Services Offices, Inc. CA990187 07 15 Used with permission number of days it takes for the claim to on it, we will pay, in the event of a covered be settled,whichever comes first, total "loss", any unpaid amount due on the b. Our payment is limited to necessary and lease or loan for a covered"auto", less: actual expenses incurred. a. The amount paid under the Physical c. This coverage does not apply while Damage Coverage Section of the there are spare or reserve"autos" policy; and ` available to you for your operations. b. Any: d. If a"loss" results from the total theft of a (1) Overdue lease or loan covered "auto"of the private passenger payments including penalties, type, we will pay under this coverage interest or other charges only that amount of your rental resulting from overdue reimbursement expenses which is not already provided l05$for.under the Physical oss"; at the time of.the , , . Damage Coverage Extension. (2) Financial penalties imposed under a lease for excessive use, J. "Personal Effects" Exclusion abnormal wear and tear or high Paragraph 13. Exclusions under SECTION mileage; III—PHYSICAL DAMAGE COVERAGE, is (3) Costs for extended warranties, amended to add: Credit Life Insurance, Health, "Personal Effects" Exclusion Accident or Disability Insurance purchased with the loan or We will not pay for"loss"to"personal lease; effects" of any of the following: (4) Security deposits not refunded a. Accounts, bills, currency, deeds, by the lessor; and evidence of debt, money, notes, {5) Carry-over balances from securities or commercial paper or previous loans or leases other documents of value. b. Bullion, gold, silver, platinum, or other precious alloys or metals;furs or fur M. Aggregate Deductible garments;jewelry; watches; precious Paragraph D. Deductible under SECTION or semi-precious stones. III—PHYSICAL DAMAGE COVERAGE is c. Paintings, statuary and other works of amended to add: art. Regardless of the.number of covered A. Contraband or property in the course "autos" involved in the same"Ioss",'only of illegal transportation or trade. one deductible will apply to that"loss". If e. Loss"caused by theft,:un.less there is the deductible amounts vary by"autos", .:-..evidence of forced entry into the then only the highest applicable deductible .covered"auto" and a police.report is will apply to that"loss": filed, N. Diminishing Deductible K. Accidental Airbag Discharge Coverage Paragraph D. Deductible under SECTION Item 3.a. of Paragraph B. Exclusions under Ill-PHYSICAL DAMAGE COVERAGE is SECTION III-PHYSICAL DAMAGE amended to add: COVERAGE is amended to read: Any deductible will.be reduced by the a. Wear and tear, freezing, mechanical percentage indicated below on the first or electrical breakdown.The "loss" reported during the corresponding exclusion relating to mechanical policy period: break-down does not apply to the Loss Free Policy Periods Deductible accidental discharge of an air bag. with the Expansion Reduction on the L. Loan or Lease Gap Coverage Endorsement first 111oss11 Paragraph C. Limit Of Insurance under 1 0% SECTION.111-PHYSICAL DAMAGE 2 25% COVERAGE is amended to add: s eo% If a covered "auto" is owned or leased and 1 4 75% if we provide Physical Damage Coverage 5 100% Page 3 of 4 Includes Copyrighted Material of Insurance Services Offices, Inc. CA990187 07 15 Used with permission If we pay a Physical Damage"loss" during 0. Insurance is Primary and the policy period under any BUSINESS Noncontributory AUTO COVERAGE FORM you have with Subpart a. of Item 6. Other Insurance of us, your deductible stated in the Paragraph B. General Conditions under Declaration's page of each such SECTION IV—BUSINESS AUTO COVERAGE FORM will not be reduced on CONDITIONS is amended to read: any subsequent claims during the remainder of your policy period and your deductible a. This insurance is primary and reduction will revert back to 0%for each noncontributory, as respects any other such COVERAGE FORM if coverage is insurance. renewed. R. Other Insurance—Hired Auto Physical O. Knowledge of Loss and Notice To Us Damage Subsection a. of Item 2. Duties In the Event Subpart b. of Item 6..Other Insurance of of Accident, Claim, Suit or Loss of Paragraph B. General Conditions under Paragraph A. Loss Conditions under SECTION IV—BUSINESS AUTO SECTION IV--BUSINESS AUTO CONDITIONS is amended to read: CONDITIONS is amended to add: b. For Hired Auto Physical Damage However, prompt notice of the"accident", Coverage,the following are deemed claim, "suit"or"loss"to us or our to be covered "autos"you own: authorized representative only applies (1) Any covered"auto'you [ease, after the"accident", claim, "suit" or"loss" is hire, rent or borrow; and known to: (2) Any covered"auto' hired or rented (1) You, if you are an individual; by your "employee" under a (2) A partner, if you are a partnership; contact in that individual "employee's"name,with your (3) An"executive officer"or director, if permission, while performing you are a corporation; duties related to the conduct of (4) A manager or member, if you are a your business. limited liability company; However, any"auto"that is leased, hired, (6) Your insurance manager; or rented or borrowed with a driver is not a (6) Your legal representative: covered "auto": P. Waiver Of Subrogation.For Auto Liability S. Unintentional Failure To Disclose Losses Assumed Under Insured Contract Hazards` Item 6.Transfer Of Rights Of Recovery Paragraph B. General Conditions under Against Others To Us of:Paragraph A. SECTION IV—BUSINESS AUTO CONDI- Loss Conditions under SECTION IV— TIONS is amended to add: BUSINESS AUTO CONDITIONS is 9.` Your failure to disclose all hazards amended to read, existing as of the inception date of this 6, Transfer of Rights of Recovery. policy shall not prejudice the'coverage Against Others To Us afforded by this policy, provided that such failure to disclose all hazards is not if any person or organization to or for intentional.' However, you must report whom we make payments under this such previously undisclosed hazards to Coverage From has rights to recover us as soon as practicable offer its damages from another, those right are discovery. transferred to us. That person of organization must do everything T Additional Definition necessary to secure our rights and must SECTION v -DEFINITIONS is amended to do nothing after an "accident" or"loss" add:.. to impair them. However, if the insured lipersonal effects"means personal has waived those rights to recover property owned by the"insured". through a written contract,we will waive any right to recovery we may have "Downtime loss".'means actual loss of under this Coverage Form. "business incoe"for the period of time that a covered"auto Page 4 of 4 Includes Copyrighted Material of Insurance Services Offices,Inc. CA990187 07 15 Used with perm iss ion 1. Is out of service for repair or replacement as a result of a covered physical damage"loss" and 2. Is in the custody of a repair facility if not a total"loss". "Business Income"means; 1. Net income{Net profit of loss before income taxes that would have been earned or incurred; and 2. Continuing normal operating expenses incurred, including payroll. In this endorsement, Headings and Titles are inserted solely for the convenience and ease of reference. They do not affect the coverage provided by this endorsement, nor do they constitute any part of the terms and conditions of this endorsement. All other policy wording not specifically changed, modified, or replaced by this endorsement wording remains in effect. Page 5 of 4 Includes Copyrighted Material of Insurance Services Offices, Inc. CA990187 071s Used with permission