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HomeMy WebLinkAboutWITTMAN ENTERPRISES, LLC/HIPAA BUSINESS ASSOCIATE AGREEMENT 6A-2012 AURr, k'A y`. . K . ,0 FIRST AMENDMENT TO AGREEMENT A-2009-059-01 THIS FIRST AMENDMENT TO AGREEMENT is entered into on July 1, 2012, by and between Wittman Enterprises, LLC, a California Limited Liability Company (hereinafter "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 (hereinafter "City"). C, zz?l RECITALS. r A. The parties entered into that certain Agreement # A-2009-059, dated June 1, 2009, (hereinafter "said Agreement") by which Consultant has provided ambulance and paramedic billing and collection services for the City's Emergency Medical Services Program. B. In accordance with the terms and conditions of said Agreement, the parties wish to extend the term of said Agreement to continue the provision of services. WHEREFORE, in consideration of the covenants contained in said Agreement, and subject to all the terms and conditions of said Agreement, except those amended in this First Amendment to Agreement, the parties agree as follows: 1. Section 3, TERM, shall be amended to extend the termination date of said Agreement to June 30, 2014. 2. Except as hereinabove amended, all terms and conditions of said Agreement shall remain in full force and effect. IN WITNESS WHEREOF, the parties hereto have executed this First Amendment to Agreement on the date and year first written above. ATTEST: MARIA D. HUIZAR Clerk of the Council APPROVED AS TO FORM: By: - Laura Sheedy Assistant City Attorney SONIA R. CARVALHO City Attorney CITY OF SANTA ANA PAUL M. WALTERS City Manager WITTMAN ENTERPRISES, LLC 'Name: c ?z>.,;,, Lam, Title: 6. c40 2501 12 ,a R°a CERTIFICATE OF LIABILITY INSURANCE DA l'22013 ke? 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 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 sndorsamentfsl. PRODUCER NUI CONTACT Tracy Dolan Wells Fargo Insurance Services USA, Inc. PHONE 916 589-8153 FA 877 611 1971 . that . C No : ' CA DOI Lic. #OD08408 (916) 589-8000 E-MAIL tracy.dolan@wellsfargo.com 10940 White Rock Road 2nd floor , INSURERS AFFORDING COVERAGE NAIC At Rancho Cordova, CA 95670-6076 INSURER A: Valley Forge Insurance Company 20508 INSURED INSURER e : National Fire Insurance Company of Hartford 20478 Wittman Enterprises, LLC INSURER C: Continental Casually Company 20443 PO Box 269110 lusueeR n Evanston Insurance Comoam, 3537R Sacramento, CA 95826 NUMBER: SAA hAlnw 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 62 TYPE OF INSURANCE POLICY NUMBER POLICY EFF N DDMW POLJCY EXP MMtDOMM LINTS A GENERAL LIABILITY 84034654035 7/1/2013 711/2014 EACH OCCURRENCE $ 2.000.000 X COMMERCIAL GENERAL LIABILITY LIABILITY AE T EMA ED MISES Lis REN urrence PR "'. $ 300.000 CLAIMS-MAOE IJ OCCUR MED EXP(Any one person) S 10,000 PERT 90µ4L s ADV INJURY 000 000 S 2 - . . O ENERALAGGREGATE ?S 4 000 000 , . GEN% AGGREGATE LIMIT APPLIES PER PRODUCTS - OOMPIOP AGG S 4.000.000 X POLICY PR0. LOC l S B AUT OMOBILE LIABILITY B4012487490 i 7!1/2013 711/2014 MBINEE D SINGLE LIMIT l D I 1000000 X ANY AUTO BODILY INJURY (Par Person) $ ALL OWNED AUTOS ASCHEDULED UT OS BODILY INJURY (Per acadent) S % HIRED AUTOS % DOWNED PROPERTY DAMAGE S Pr do I $ C X UMBRELLA LIAR % OCCUR 84034654083 711/2013 7/112014 EACH OCCURRENCE 2.000.000 $ EXCESS LIAR CLAIMS-MADE AGGREGATE 000 000 S 2 . . DIED % RETENTIONS III= ( $ WORKERS COMPENSATION OTH- AND EMPLOYERS' LIABILITY f ANY PROPRIETORIPARTNER/E%ECUTNEQ OFFICEWMEMBER EXCLUDED? NIA;. " NT 7 5 (Mandatory In NH) If yes descnbe under ! 01S?E EMPLOYE 5 . DESCRIPTION OF OPERATIONS bekw LICY LIMIT S D Prof Liability l E0854157 07101/2013 07/01/2014 $1.000,,00CIS2.000,000 A? DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (Attach ACORD 101, Additional Remarks Schedule, if more space is requi Certificate holder named additional insured per attached form. '10 day notice applies if cancelled for non-payment of premium. r~ f IUU' T. O tr ?,P tp CI O ? ' rl City of Santa Ana SHOULD ANY OF THE ABOVE DESCRIBED VCIES BE CANCELLED BEFORE 20 Civic Center Plaza THE EXPIRATION DATE THEREOF, NOT] WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISION Santa Ana, CA 92701 AUTHORIZED REPRESENTATIVE 97 The ACORD name and logo are registered marks of ACORD ®1988-2010 ACORD CORPORATION. All rlahts reserve, AUUKU 20 (ZULU/UO) WITTENT-01 AGIMROTH '4` °,R° CERTIFICATE OF LIABILITY INSURANCE 1 DA O IDYYYY) 6 13 114/20 8114/ 013 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 policy0es) must be endorsed. It 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 Ilw of such endorsement(s). PRODUCER CONTACT NAME: Western Elite Insurance Solutions P e 259-6900 (916) (966) 2-0---- 6.8646 Destiny Drive 6970 __, e; __..___ M9.E91: Rocklin, CA 95677 _ ADDRESS: W5URER(S7 AFFOROURCOVERAGE NAILS _____ NWRER A: Granite State Insurance 23809 Msuaeo INSURER B: Wittman Enterprises LLC INSURERC: PO Boa 269110 INSURER D : -"- -_-- Sacramento, CA 95828 ?1 /y /J? INSURER E_... _.._.__._._._...____. / {- V r `osei-DI - INSURER F: COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS iS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY 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. iF__-060EY7Y ............ TRSR 0 WEIR TYPE OF INSURANCE 1. POLICY NUMBER NAMMONYYY1 TTY LIMIT S GENERAL UABUTY EK OCCIIPRENce S COMMERCMI GENERALLM9altt `PREM? EOaE? S CLAIMS-MADE L? OCCUR ! MED BAR (A, arse Penw,) _ S PERSONAL A AOY INJURY 3 I GENERAL AGGREGATE S _ GWL AGGREGATE LIMITAPPLIESPER. PRODUCTS -COMPpP AGO S - PDUCY PRO. LOC s -- AUT OMOSILELIABILITY 4[O?NBM LIMI -LFiA1 epideM ANY AUTO . BODILY INJURY (PM" 3.) S ALL O?FO SCHEDULED D N S HMEDAUTOS R AUTOS od.t) API, $ UMBRELLA LAS OCCUR EACH OCCURRENCE I S EXCESS LW ctaMS+AAce I AGGREGATE ! S __. DED RETENTIONS I S VIO RKERSCOMPENSATION XT V STATU- JOTH-1 A AND E MPLOYERS'UASIUTY YIN T -1-1 . A ANY PROPNETOPJPARTNEREXECUTIVE OFFICERMIEMIER EXCLUDED? NIA lIC161250372 71112013 I 7112014 E I.. EACH ACCIDENT 11000.00 S (Mmdalmyln NH) _ EL DISEASE - EA EMPLO _ 3 1,000,000 N Yu.dMMwe wldM -- ------- OESCRIPTICNOFOPERATIONSb. E.L. DISEASE - POLICY LINT S 11000,00 i DESCRIPMN OF WUAnONSI LOOATIONSI VEHICLES (AII4Ch ACORD Im, Ad4iti.V W..K, SChedVle, N RM4.pm.l. r. SIC O FO v7 r Sa ,D?9SS' ndo S Cr y '9t The City of Santa Ana 1439 S. Braodway Santa Ana, CA 92707 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE ®1988-2010 ACORD CORP AVUHU 25 (2010105) The ACORD name and logo are registered marks of ACORD CNA 88446932•E (Ed. 06111) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 1 I BLANKET ADDITIONAL INSURED - LIABILITY EXTENSION This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM Coverage afforded under this extension of coverage endorsement does not apply to any person or organization covered as an additional Insured on any other endorsement now or hereafter attached to this Policy. 1. ADDITIONAL INSURED -BLANKET VENDORS WHO IS AN INSURED is amended to Include as, an additional Insured any person or organization (referred to below as vendor) with whom you agreed, because of a written contract or agreement to provide insurance, but only with respect to 'bodly Injury" or 'property damage' arising out of 'your products' which are distributed or sold In the regular course of the vendor's business, subject to the following additional exclusions: 1. The Insurance afforded the vendor does not apply to: a. "Bodily Injury' or "property damage" for which the vendor Is obligated to pay damages by reason of the assumption of liability In a contract or agreement This exclusion does not apply to Ilab9fly for damages that the vendor would have In the absence of the contract or agreement; b. Any express warranty unauthorized by you; c. Any physical or chemical change In the product made Intentionally by the vendor, of. Repackaging, except when unpacked solely for the purpose of Inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged In the original container; e. Any failure to make such Inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make In the usual course of business, In connection with the dlebtudon or sale of the products; f. Demonstration, Installation, servicing or repair operations, except such operations performed at the vendors premises In connection with the sale of the product; g. Products which, after distribution or sale by you, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for the vendor; or h, "Bodily Injury" or "property damage" arising out of the sole negligence of the vendor for Its own acts or omission or those of cis employees or anyone else acting on its behalf. However, this exclusion does not apply to: (1) The exceptions contained in Subparagraphs d. or f.; or (2) Such Inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make In the usual course of business, In connection with the distribution or sale of the products. 2. This Insurance does not apply to any Insured person or organization, from whom you have acquired such products, or any Ingredient, part or container, entering Into, accompanying or containing such products. 3. This provision 2. does not apply to any vendor Included as an Insured by an endorsement Issued by us and made a part of this Polley. 4. This provision L does not apply If "bodily Injury" or "property damage" Included within the "products- completed operations hazard' is excluded either by the provisions of the Policy or by endorsement. 2. MISCELLANEOUS ADDITIONAL INSUREDS WHO IS AN INSURED Is amended to Include as an insured any person or organization (called additional Insured) described In paragraphs 2.a, through 2.11. below whom you are required to add as an additional Insured on he policy under a written contract or agreement but the written contract or agreement must be: 1, Currently in effect or becoming effective during the term of this pollcy; and 2. Executed prior to the "bodily Injury," 'property damage" or "personal and advertising Injury," but Only the following persons or organizations are additional Insureds under this endorsement and coverage provided to such additional Insureds is limited as provided herein: a. AdditlonalInsured -Your Work That person or organization for whom you do work Is an additional Insured solely for liability SB-148932-E Page 10(6 (Ed. 08/11) C/VA S&148932-) (Ed. 06111) due to your negligence specifically resulting This Insurance does not apply to "bodiy from your work for the additional Insured Injury," "property damage' or "personal and which Is the subject of the written contract or advertising Injury" arlsing out of operations written agreement. No coverage applies to performed for the state or municipality. liability resulting from the sole negligence of c. Controlling Interest the additional Insured . The Insurance provided to the additional Any persons or organizations with a controlling Interest In you but only with respect Insured Is limited as follows: to their liability arising out of (1) The Limits of Insurance applicable to the additional Insured are those specified in (1) Their financial control of you; or the written contract or written agreement (2) Premlass they own, maintain or control or In the Declarations of this policy, while you lease or occupy these whichever Is leas. These Limits of premises. Insurance are Incluslve of, and not In addition to, the Limits of Insurance shown This insurance does not apply to structural in the Declarations, alterations, new construction and demolition operations perfomed by or for such additional (2) The coverage provided to the additional insured. Insured by We endorsement and paragraph F.9. of the definition of "Insured d. Managers or Lessors of Premises contract' under Liability and Medical A manager or lessor of premises but only with Expanses Definitions do not apply to respect to liability arising out of the ownership, "bodily Injury' or property damage" maintenance or use of that specific part of the arising out of the "products completed premises leased to you and subject to the operations hazard" unless required by the following additional exclusions: written contract or written agreement. This Insurance does rat apply to: (3) The insurance provided to the additional insured does not apply to 'bodily Injury" (1) Any 'occurrence' which takes place after "property damage; or "personal and you cease to be a tenant In that premises; advertising injury" arising out of the or rendering or failure to render any (2) Structural alterations, new construction or professional services. demolition operations performed by or on Is. State or Political Subdivisions behalf of such additional Insured. A state or political subdivision subject to the a. Mortgagee, Assignee or Receiver following provisions: A mortgagee, assignee or receiver but only (1) This Insurance applies only with respect with 'respect to their liability as mortgagee, to the following hazards for which the assignee, or receiver and adaing out of the state or political subdivision has Issued a ownership, maintenance, or use of a premises permit In connection with premises you by you. own, rent, or control and to which this This Insurance does not apply to structural Insurance applies: alterations, new construction or demolition (a) The existence, maintenance, repair, operations performed by or far such additional construction, erection, or removal of Insured. advertising signs, awnings, canopies, f. Owners/Other Interests - Land Is Leased cellar entrances, coal holes, driveways, manholes, marquees, An owner or other Interest from whom land hoistaway openings, sidewalk vaults, has been leased by you but only with respect street banners, or decorations and to liability arising out of the ownership, similar exposures; or maintenance or use of that specific part of the (b) The construction, erection, or land leased to you and subject to the following addiflonal exclusions: removal of elevators; or (2) This Insurance applies only with respect This Insurance does not apply to: to operations performed by you or on your (1) Any "occurrence" which takes place behalf for which the state or political after you cease to lease that land; or subdivision has issued a permit. SB-146932-E Page 2 of 5 (Ed. 06/11) `arNA SB-146932-E (Ed. 06/11) (2) Structural alterations, new Damage To Property, is replaced by the construction or demolition operations following: performed by or on behalf of such additional Insured. it. Damage To Property g. Co-owner of Insured Promises 'Property damage" to: A co-owner of a premises oc-owned by you 1• Property you own, rent or occupy, and covered under this insurance but only including any costs or expenses with respect to the co-owners liability as oo- incurred by you, or any other person, owner of such premises. organization or entity, for repair, replacement, enhancement, h. Lessor of Equipment restoration or maintenance of such Any person or organization from whom you property for any reason, Including prevention of Injury to a person or lease equipment. Such person or organization damage to anther's property; are insureds only with respect to their liability artaing out of the maintenance, operation or 2. Premises you sell, give away or use by you of equipment leased to you by abandon, If the "property damage" such person or organization. A person's or adses out of any part of those organization's status as an Insured under this premises; endorsement ends when their Milan contract 3. Property loaned to you; or agreement with you for such leased equipment ends. 4. Personal property In the care, With respect to the Insurance afforded these custody or control of the Insured; additional Insureds, the following additional 5. That particular part of any real exclusions apply; property on which you or any This insurance does not apply: contractors or subcontractors worldng directly or Indirectly In your behalf are (1) To any "occurrence" which takes place performing operations, If the "property after the equipment lease expires; or damage" arises out of those (2) To "bodily Injury," "property damage" or operations; or 'personal and advertising Irrjury' arising G. That particular part of any property out of the sole negligence of such ghat must be restored, repaired or additional insured. replaced because 'your wort" was Any insurance provided to an additional Insured Incorrectly performed on It designated under paragraphs b. through h. above Paragraph 2 of this exclusion does not does not apply to "bodily Injury' or "property apply if the premises are your work" and damage" Included within the "products-completed were never occupied, rented or held for operations hazard." rented by you. 3. The following Is added to Paragraph H. of the Paragraphs 1, 3, and 4, of this exclusion BUSINESSOWNERS COMMON POLICY do not apply to "property damage" (other CONDITIONS: than damage by fire or explosion) to H. Other Insurance prenllses: 4. This Insurance Is excess over any other (1) rented to you: Insurance naming the additional Insured (2) temporarily occupied by you with the as an Insured whether primary, excess, permisslon of the owner, or contingent or on any other basis unless a (3) to the contents of premises rented to written contract or written agreement you for a period of 7 or fewer specifically requires that this Insurance be consecutive days. either primary or primary and noncontributing. A separate limit of Insurance applies to Damage To Premises Rented To You as 4. LEGAL LIABILITY- DAMAGE TO PREMISES described In Section D - Liability and A. Under B. Exclusions, 1. Applicable to Medical Expenses Limits of Insurance. Business Liability Coverage, Exclusion it. SB-146932-E Page 3 of 5 (Ed. 06/11) C/VA Paragraphs 3, 4, 5, and 6 of this exclusion do not apply to Nobility assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to "property damage" Included In the "products-comploted operations hazard! 8. Under B. Exclusions, 1. Applicable to Business Liability Coverage, the lest paragraph of 2. Exclusions Is deleted and replaced by the following: Exclusions c, d, e, f, g, h, I, k, I, m, n, and o, do net apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner or to the contents of premises rented to you for a period of 7 or fewer consecutive. days. A separate limit of Insurance applies to this coverage as described In Section D. Liability And Medical Expenses Limits Of Insurance. C. The first Paragraph under Item 5. Damage To Premises Rented To You Limit of Section D. Liability And Medical Expenses Limits Of Insurance Is replaced by the following: The most we 00 pay under Business Liability for damages because of "property damage" to any one premises, while rented to you, or temporarily occupied by you, with the permission of the owner, including contents of such premises rented to you for a period of 7 or fewer consecutive days, is the Damage to Premises Rented to You limit shown in the Declaration. 5. Blanket Walverof$ubrogation We waive any right of recovery we may have against: a. Any person or organization with whom you have a written contract that requires such a waiver. 8. Broad Knowledge of Occurrence The following items are added to E. Businessowners General Liability Conditions in the Businessowners Liability Coverage Form: e. Paragraphs a. and b. apply to you or to any additional Insured only when such "occurrence," offense, claim or "sult" is known to: (1) You or any additional Insured that Is an individual; SBA 46932-E (Ed. 06/11) SS-146932•E (Ed. 06/11) (2) Any partner, If you or an additional Insured Is a partnership; (3) Any manager, if you or an additional insured is a limited NabNlty company; (4) Any "executive officer" or Insurance manager, If you or an additional Insured Is a corporation; (5) Any trustee, if you or an additional Insured is a trust; or (6) Any elected or appointed official, If you or an additional Insured Is a political subdivision or public entity. This paragraph e. applies separately to you and any additional insured. 7. Bodily Injury Section F. Liability and Medical Expenses Definitions, Rem 3. "Bodily Injury" is deleted and replaced with the following: "Bodily Injury" means bodily Injury, sickness or disease sustained by a person, Including death, humiliation, shock, mental anguish or mental Injury by that person at any time which results as a consequence of the bodily Injury, sickness or disease. 8. Expanded Personal and Advertising Injury Definition a. The following Is added to Section F. LIebl6ty and Medical Expenses Definitions, horn 14. Personal and Advertising Injury, In the Buslnassowners General Liability Coverage Form: h. Discrimination or humiliation that results In Injury to the feelings or reputation of a natural person, but only It such discrimination or humiliation is: 1. Not done Intentionally by or at the direction of. a, The Insured; or b. Any "executive officer," director, stockholder, partner, member or manager of you are a limited liability company) of the Insured; and 2. Not directly or Indirectly related to the employment, prospective employment, pest employment or termination of employment of any person or person by any insured. b. The follovng is added to Exclusions, Section B.: Page 4 of 5 CNA $B-146932-E (Ed. 06111) (15) Discrimination Relating to Room, Personal and Advertising Injury Llablllty Is excluded either by the provisions of the Policy Dwelling or Premises or by endorsement. Caused by discrimination directly or Indke* related to the sale, rental, lease 9. Personal and Advertising Injury Re-dented or sub-lease or prospective sale, rental, Section F. Liability and Medleal Expenses lease or sub-lease of any room, dwelling Detinltlons, Item 14, Personal Advertising Injury, or premises by or at the direction of any Paragraph c. Is replaced by the following: Insured. c. The wrongful eviction from, wrongful entry Penalties (16) Fines or Into, or invasion of the right of prlvste Fines or penalties levied or imposed by a occupancy of a room dwelling or premises governments[ entity because of that a person oroon behalf of ICs owner, committed by discrimination. landlord or lessor. c. This provision (Expanded Personal and Advertising injury) does not apply If SB-146932-E (Ed. 06/11) Page 5 of 5