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PROOF OF INSURANCE (2021 - 2021) CLOSEDRHALAND-01 KMAL13„C,)„N,ARQ Al^.rr 7�rM/DDIYYYY) $/5 CERTIFICATE OF LIABILITY INSURANCE DAT/2020 .. ................... 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:a holder an ADDITIONAL INSURED, the policy(les) must have ADDITIONAL I ................... If the certificat 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 ficate doesm. _.... . ts . .... confer rights to the certificate .. ernleuosucenorsemen PRODUCER mLICenSe 90757776 c(TACT JenniferHouSel E. HUB International Insurance Services Inc. PHONE %td877825-2681 FAX, -2572I,N E Nal;(951) 231 PO Box 5345 E°rwORE nal.c a hubinternational.com Riverside, CA 92517 ADDRESS: p INSURER(S) AFFORDING COVERAGE NAIL #,,, INSURER A Citizens Insurance Company „of America „315.34,,,,, „ INSURED INSURER B: Security National Insurance Company (Am Trust) 19879 RHA Landscape Architects -Planners, Inc. INSURER; C:, Continental Casualty Company 20443 6800 Indiana Ave, Ste 245 INSURER D Riverside, CA 92506 INSURER E: ..,, INSURER F : ....,....�..._...................... ., .,._...,..�.,.,.. ...,.,....,, w,.,.,.,.,.,.,.,.,.,...,.,�..............._.........._................, .ww.,.,.�..,.,.,...... ,,, ,...................... 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. LTR COMMERCIAL GENERAL LIABILITY POLICY N MBER LIMITS U POLICY EFF POLICY EXP 1 INSR TYPE OF INSURANCE � INS9 SY.M1(,0 EACH OCCURRENCE $ 2'000'000 CLAIMS -MADE X OCCUR X OB3D820387 / 213/2020 C 2 3/20 021 DAMAGE �° RENTED nrP) $ 300,000 MED EXP (Any one person) $ 10,000 ,1I 1 PERSONA/.& ADV INJURY 9: 2,000,000 GEN'IL AGGREGATE; LIMIT APPLIES PER: 1 ,GENERAL AGGREGATE $ 4,000,000 POLICY X rsr ElLOC PROOUGTS- COMP/OPAGG $ 4,000,000 A AUTOMOBILE LIABILITY ..................................._ ......,....w �.,,,,, .,.,.,.,..._.,° �....w,...................__„ ...........'.CO a®INED2,000,000 l) SINGLE LIMIT _. OTI-IER: ANY AUTO OB3D820387 OWNED 'SCHEDULED AUTOS ONLY AUTOS X HII•tgqD X NON -OWNED AU P'O�S ONLY AUTOS ONLY 2/3/2020 2/3/2021 BODILY INJURY (Per person) $, BODILY (Per accident) .,$POFEETY AMAGE {P .. „ ...,, IL_ .............. ...,.............. .... . .... UMBRELLA LIAB OCCUR EACH OCCURRENCE „ $. EXCESS LIAB CLAIMS -MADE .,., ... _.., .. _ .,. m............ DED 1 1 RETENTION $ ....................................... _.. PER X I _...BIT.WORKERS _ COMPENSA........................._.. TION °.., 1,000,000 AND EMPLOYERS' LIABILITY Y p N X SWC1298993 $ ANY PROP RIETOR/PARTN ER/EXECUTIVE Y I N / A 1,000,000 1 poacvL,I,,Mi,,T OFF lCER/MEMBER EXCLUDED? (Mandatory in NH) 1 8/6/2020 1 8612027 Each Claim 2,000,000 If yes, describe under 4,000,000 DF; RIpTIpN OF_OPERAT,I,pNS below C mmessional Liab PrDf LAH003011898 C PROF DED: $15,000 LAH003011898 2/3/2020 2/3/2021 BODILY INJURY (Per person) $, BODILY (Per accident) .,$POFEETY AMAGE {P .. „ ...,, IL_ .............. ...,.............. .... . .... ..... ° ....._........... ... EACH OCCURRENCE „ $. „AGGREGATE .,., ... _.., .. _ .,. m............ ....................................... _.. PER X I STATUTE . FIR 8/21/2020 8/2112021 1 E L, EACH ACCIDENT „ „ °.., 1,000,000 1,000,000 E. L. DISEASE - EA EMPLOYEE $ 1,000,000 1 poacvL,I,,Mi,,T $ 8/6/2020 1 8612027 Each Claim 2,000,000 8/6/2020 8/6/2021 Aggregate 4,000,000 DESCRIPTION OF OPERATIONS / LOCAT'ION'S! VEHICLES IACORD 101, Additional Remarks Schedule, may be attached if more space is rcquired8 RE: Recreation Park, 401 Sheldon Street, EI Segundo, CA. The City of EI Segundo, its officers, officials, employees, agents, and volunteers are Additional Insured with regard to the General Liability policy when required by a written contract, per the attached endorsements 391-1006 08/16, 391-1448 08/16, Primary and Non -Contributory included. Waiver of Subrogation with regard to the Workers Compensation policy applies when required by a written contract, per the attached endorsement form WC040306 04/84. CERTIFICATE HOLDER ...............°,°,.. CA,(J, G,LATION .................... SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of EI Segundo ACCORDANCE WITH THE POLICY PROVISIONS. 350 Main Street EI Segundo, CA 90245 AUTHORIZED REPRESENTATIVE mm $14 -y— ... Orights m _.... ACORD 25 (2016/03) @ 1988-2015 ACORD CORPORATION. All rig hts reserved. The ACORD name and logo are registered marks of ACORD THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ |TCAREFULLY. BUSINESSOWNERS LIABILITY SPECIAL BROADENING ENDORSEMENT This endorsement modifies insurance provided under the following: BUS|NESSOVVNERSCOVERAGE FORM __ SUMMARY OF COVERAGES Limits � 1. Additional Insured by Contract, Agreement orPermit :Y—/�dd}tiona| Insured - Broad Form Vendors Incl"u"ded 3L - Alienated Pnam|nam Included 4. Broad Form Property Damage - Borrowed Equipment, Customers Included Goods and Use ofElevators S. _ Incidental Malpractice (Employed Nurses, EMT`o and Paramedics) Included 0. --- Personal and Advertising Injury ' Broad Form —' Included 7. - Product Recall Expense Included Product Recall Expense Each Occurrence Limit $25600 | Occurrence / - Product Recall Expense Aggregate Limit $50.000 Aggregate � - _ Product Recall Deductible $5UO �_. 8' Unintentional Failure toDisclose Hazards Included �» UnintunUono| Failure to NoUfy |nn|udod 1 _ 2 3 3 3 4 This endorsement amends coverages provided under the Bu*inooamwnero Coverage Form through new coverages and broader coverage grants. This coverage in subject to the provisions applicable to the Businessowners Coverage Form, except as provided below. The following changes are made to SECTION U ' LIABILITY: 1. Additional Insured by Contract, A8muannent or Permit The following is added to SECTION I| ' LIABILITY, C. Who Is An Insured: Additional Insured by Contract. Agreement or Permit a. Any paremm or organization with whom you agreed in m vvr|dem contnyo1, written agreement urpermit to add such: person or organization as an additional insured on your policy is an additional insured only with respect to liability for "bodily injury", "property damage"', "personal and advertisimg 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: (1) ~Your wm,h^ for the additional insured(s) designated in the contract, agreement or (2) Premises you own. rant, |umeo or oncupy;or (3) Your maintenance, operation or use of equipment leased tnyou. b. The insurance oMbndmd to such additional insured described above: (1) Only applies to the extent permitted by |avv;ond (2) Will not be broader than the insurance which you;, are required by the omntroct, agreement or permit to provide for such additional insured. (3) Applies on a primary basis if that is required by the written contract, written agreement urpermit. (4) Will not be broader than coverage provided toany other insured. (5) Does not apply if the "bodily injury", "property damage" or "personal and advertising injury'^|e otherwise excluded from coverage under this Coverage Part, including any endorsements thereto, 391-10060816 Includes copyrighted materials ofInsurance Services Offices, mc..with its permission. Page 1of6 c. This provision does not apply: (1) Unless the written contract or written agreement was executed or permit was issued prior to the "bodlly injury", "property damage" or "personal Injury and advertising injury". (2) To any person or organization included as an insured, by another 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 2. damage", "personal and advertising injury" arises out of sole negligence of the lessor. (4) To any: (a) Owners or other interests from whom land has been leased if the "occurrence" takes place or the offense is committed after the lease for the land expires; or (b) Managers or lessors of premises if: (i) The "occurrence" takes place or the offense is committed after you cease to be a tenant in that premises; or (ii) The "bodilx 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 the 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 "bodil 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. d. With respect to the insurance afforded to these additional insureds, the following is added to SECTION II - LIABILITY, D. Liability and Medical Expense Limits of Insurance: Imur a¢�c C;r�rtal�. 0133 D820387 1001051 The most we will pay on behalf of the additional insured for a covered claim is the lesser of the amount of insurance: 1. Required by the contract, agreement or permit described in Paragraph a.; or 2. Available under the applicable Limits of Insurance shown in the Declarations. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations e. All other insuring agreements, exclusions, and conditions of the policy apply. Additional Insured - Broad Form Vendors The following is added to SECTION II - LIABILITY, C. Who Is An Insured: Additional Insured - Broad Form Vendors a. Any person or organization that is a vendor wit. whom you agreed in a written contract or written agreement to include as an additional insured under this Coverage Part is an insured, but only with respect to Ciabiiity for "bodily injury" or "property damage arising out of "your products" which are distributed or sola in the regular course of the vendor's business. b. The insurance afforded to such vendor described above: (1) Only applies to the extent permitted by law; (2) Will not be broader than the insurance which ,you are required by the contract or agreement to provide for such vendor; (3) Will not be broader than coverage provided to any other insured; and (4) Does not apply if the "bodily injury", ""property damage" or "personal and advertising injury"' is otherwise excluded from coverage under this Coverage Part, including any endorsements thereto c. With respect to insurance afforded to such vendors, the following additional exclusions apply: The insurance afforded to the vendor does not apply to: (1) "Bodily injury"" or ""property damage"" for which the vendor Is obligated to pay damages by reasons of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the Insured would have in the absence of the contract or agreement; (2) Any express warranty unauthorized by you; 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 2 of 6 (3) Any physical or chemical change in the product made intentionally by the vendor; NQ Repackaging, unless unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instruction from the manufacturer, and then repackaged inthe original container; (5) Any failure to make such inspection, adjustments, tests or servicing as the vendor has agreed to make ornormally undertakes to make in the usual course of business in connection with the sale nfthe product; (6) Demmmstmadmn, insta|\adoim'servicing or repair operations, except such operations performed at the vendor's premises in connection with the em!m of the product; (7) Products vvb|oh, after distribution or sale by you, haive been labeled or relabeled or used as a munta1ner, part or ingredient of any other thing or substance byorfor the vendor; (0) "Bodily injury" o, "property damage" arising mut of the sole negligence of the vendor for its nmm acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (a) The exceptions contained within the exclusion in subparagraphs (4)or(G) aonve;or (b) Such |nmp�«tiono, mdjuotmemLm, tests or servicing as the vendor has agreed to make or mPrrneflh, undertakes to make in the usual course of buoineoo, in connection with the distribution or sale of the products. (9) "'Bodily bnjnry" or ''propertydamage" arising out ofan ~ouourremce° that took place before you have signed the contract oraQre&meniwith the vendor. (10)Toany person or organization included as an insured by another endorsement issued by us and made pad of this Coverage Part. (11)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. d. With respect to the insurance afforded to these vendore, the fo|Cmwv|mg is added to SECTION |[ ' LIABILITY, D. Liability and Medical Expense Limits ofInsurance: The most wewill pay on behalf ofthe vendor for o covered claim is the |aaoer of the amount ofinsurance: 1. Required by the contract or agreement described inParagraph a'|or 2. Available under the applicable Limits of Insurance shown inthe Declarations; This endorsement shall not innnaomo the applicable Limits of Insurance shown in the Declarations. Alienated Premises SECTION Q - LIABILITY, B. Exclusions, 1. Applicable To Business Liability k. Damage to Property, paragraph (2) is replaced by the following: (2) Premises you sell, g|ws away or abandon, if the "property damage" arises out of any part ofthose premises and occurred from hazards that were known by you, or should have reasonably been known by you, a,t the time the property was transferred mrabandoned. 4. Broad Form Property Damage - Borrowed Equipment, Customers Goods, Use mYElevators o. The following is added to SECTION |( ' LIABILITY, E. Exclusions, 1. Applicable To Bom|nmsm Liability Coverage, k. Damage to Property: Paragraph (4) does not apply t "property damage" to borrowed equipment vvh|\a at a jmhwite and not being used to perform operations. Paragraph (3), (4) and (G) do not apply to "property damage" to "customers goods" while on your premises nor to the use of elevators. b. For the purposes of this endorsement, the following definition is added to SECTION 11 ' LIABILITY, F. Liability and Medical Expenses Definitions: 1. "Customers goods" means property of your customer on your premises for the purpose nfbeing: a. Worked on; or b. Used inyour manufacturing process. o. The insurance afforded under this provision in excess over any other valid and collectible property insurance (including deductible) available to the insured whether primary, exuamo, contingent nron any other basis. 5. Incidental Malpractice ' Employed Nurses, EMT's and Paramedics SECTION |U ' LIABILITY, C. Who Is An Insured, paragraph 2'o.(1)(d) does not apply to anurea. 391-10060810 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 3ofG emergency medical technician or paramedic employed by you if you are not engaged in the business or occupation of providing medical, paramedical„ surgical, dental, x-ray or nursing services. 6. Personal Injury - Broad Form a. SECTION II - LIABILITY, B. Exclusions, 2. Additional Exclusions Applicable only to "Personal and Advertising Injury", paragraph e. is deleted. b. SECTION li - LIABILITY, F. Liability and Medical Expenses Definitions, 14. "Personal and advertising injury", paragraph b. is replaced by the following: b. Malicious prosecution or abuse of process. c. The following is added to SECTION II - LIABILITY, F. Liability and Medical Expenses Definitions, Definition 14. "Personal and advertising injury": "Discrimination" (unless insurance thereof is prohibited by law) that results in injury to the feelings or reputation of a natural person, but only if such "discrimination" is: (1) Not done intentionally by or at the direction of: (a) The insured; (b) Any officer of the corporation, director, stockholder, partner or member of the insured; and (2) Not directly or indirectly related to an "'employee", not to the employment, prospective employment or termination of any person or persons by an insured. d. For purposes of this endorsement, the following definition is added to SECTION II - LIABILITY, F. Liability and Medical Expenses Definitions: 1. "Discrimination" means the unlawful treatment of individuals based upon race, color, ethnic origin, gender, religion, age, or sexual preference. "Discrimination" does not include the unlawful treatment of individuals based upon developmental, physical, cognitive, mental, sensory or emotional impairment or any combination of these. e. This coverage does not apply if liability coverare for "personal and advertising injury"' Is excluded either by the provisions of the Coverage Form or any endorsement thereto. 'rte � Insulrennce Group- OB3 D820387 1001051 o. Recall of Products, Work or Impaired Property is replaced by the following: o. Recall of Products, Work or Impaired Property Damages claimed for any loss„ cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1) "Your product"; (2) "Your work"; or (3) "Impaired property"; If such product, work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it, but this exclusion does not apply to "product recall expenses" that you incur for the "covered recall" of "your product". However, the exception to the exclusion does not apply to "product recall expenses" resulting from: (4) Failure of any products to accomplish their intended purpose; (5) Breach of warranties of fitness, quality, durability or performance; (6) Loss of customer approval, or any cost incurred to regain customer approval; (7) Redistribution or replacement of "your product" which has been recalled by like products or substitutes; (8) Caprice or whim of the insured; (9) A condition likely to cause loss of which any insured knew or had reason to know at the inception of this insurance; (10)Asbestos, including loss, damage or clean up resulting from asbestos or asbestos containing materials; or (11)Recall of "your products" that have no known or suspected defect solely because a known or suspected defect in another of "your products" has been found. b. The following is added to SECTION II - LIABILITY, C. Who Is An Insured, paragraph 3.b.: 7. Product Recall Expense "Product recall expense" arising out of any a. SECTION II - LIABILITY, B. Exclusions, 1. withdrawal or recall that occurred before you Applicable To Business Liability Coverage, acquired or formed the organization. 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 4 of 6 c. The following is added to SECTION II - LIABILITY, D. Liability and Medical Expenses Limits of Insurance: Product Recall Expense Limits of Insurance a. The Limits of Insurance shown in the SUMMARY OF COVERAGES of this endorsement and the rules stated below fix the most that we will pay under this Product Recall Expense Coverage regardless of the number of: (1) Insureds; (2) "Covered Recalls" initiated; or (3) Number of "your products" withdrawn. b. The Product Recall Expense Aggregate Limit is the most that we will reimburse you for the sum of all "product recall expenses" incurred for all "covered recalls" initiated during the policy period.. c. The Product Recall Each Occurrence Limit is the most we will pay in connection with any one defect or deficiency. d. All "product recall expenses" in connection with substantially the same general harmful condition will be deemed to arise out of the same defect or deficiency and considered one "occurrence". e. Any amount reimbursed for "product recall expenses" in connection with any one "occurrence" will reduce the amount of the Product Recall Expense Aggregate Limit available for reimbursement of "product recall expenses" in connection with any other defect or deficiency. f. If the Product Recall Expense Aggregate Limit has been reduced by reimbursement of "product recall expenses" to an amount that is less than the Product Recall Expense Each Occurrence Limit, the remaining Aggregate Limit is the most that will be available for reimbursement of "product recall expenses" in connection with any other defect or deficiency. g. Product Recall Deductible We will only pay for the amount of "product recall expenses" which are in excess of the 500 Product Recall Deductible. The Product Recall Deductible applies separately to each "covered recall". The limits of insurance will not be reduced by the amount of this deductible. We may, or will if required by law, pay all or any part of any deductible amount, if applicable. Upon notice of our payment of a deductible amount, you shall promptly reimburse us for the part of the deductible amount we paid. The Product Recall Expense Limits of Insurance apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for the purposes of determining the Limits of Insurance. d. The following is added to SECTION II - LIABILITY, E. Liability and Medical Expense General Conditions„ 2. Duties in the Event of Occurrence, Offense, Claim or Suit: You must see to it that the following are done in the event of an actual or anticipated "covered recall" that may result in "product recall expense": (1) Give us prompt notice of any discovery or notification that "your product" must be withdrawn or recalled. Include a description of "your product" and the reason for the withdrawal or recall; (2) Cease any further release, shipment, consignment or any other method of distribution of Bike or similar products until it has been determined that all such products are- free from defects that could be a cause of loss under this insurance. e. For the purposs of this endorsement„ the following definitions are added to SECTION' II - LIABILITY„ F. Liability and Medical Expenses Definitions: 1. "Covered recall" means a recall made necessary because you or a government body has determined that a known or suspected defect, deficiency, inadequacy, or dangerous condition in "your product" has resulted or will result in "bodily injury" or "property damage". 2. "Product recall expense(s)" means: a. Necessary and reasonable expenses for: (1) Communications, including radio or television announcements or printed advertisements including stationary, envelopes and postage; 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 5 of 6 (2) Shipping the recalled from any purchaser, distributor or user to the p|ooa or places designated byyou; (3) Remuneration paid to your regular "employees" for necessary overtime; NQ Hiring additional parmnnu, other than your regular ^emp|oyeem^; (6) Expenses incurred by''emp|oyaeo^ including transportation and accommodations; 4aHanover Insunince Group. 0133 D820387 1001W (1) If the " rod �a ' completed operations hmzond" in excluded from coverage under this Coverage Part including any endorsement thereto; nr (2) To "product recall expense" arising out of any of "your products" that are otherwise excluded from coverage under this Coverage Part including endorsements thereto. 8. Unintentional Failure bmDisclose Hazards (6) Expenses to rant additional warehouse orstorage space; (7) Disposal of "your product", but only to the extent that specific methods of destruction other than those employed for trash discarding or disposal are 0. required to avoid "bodily injury"' or "property, damage"' as a result cfsuch disposal, you incur exclusively for the purpose of recalling "your product"; and b' Your lost profit resulting from such "covered recall". t This Product Recall Expense Coverage dume not apply: The following is added to SECTION O ' LIABILITY, E. Liability and K8ad|cd Expenses General Conditions: Representations We will not disclaim coverage under this Coverage Part if you fall to disclose all hazards existing as of the inception date of the policy provided such failure is not intentional. Unintentional Failure toNotify The following is added to SECTION 11 ^ LIABILITY, E. Liability and Medical Expenses General Conditions, 2. Duties in the Event of Occurrence, Offense, Claim orSuit: Your rights afforded under this Coverage Part shall not be prejudiced if you fe|| to give um notice ofan"nmcurremoe,'.offense, claim mr"ouir, solely due to your reasonable and documented belief that the "bodily injury", "property damage" or "personal and advertising injury" is not covered under this Policy. ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. 39140060810 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission, Page Wof6 4` 4llw Hanover insurrance Group OB3 D320387 1001051 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AVENUES BUSINESSOWNERS DELUXE PLATINUM ARCHITECTS AND ENGINEERS PROGRAM BROADENING ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM BUSINESSOWNERS LIABILITY SPECIAL BROADENING ENDORSEMENT The following is added to SECTION I - PROPERTY: The limits applicable to the coverages included in this endorsement may either be in addition to or included within the applicable Limit of Insurance. For application of the limits, refer to each coverage within this endorsement. Words or phrases in quotation imarks have special meanings. The meaning of words or phrases in quotation marks is explained within the applicable coverage section. The coverages in this endorsement amend the coverage provided under the Businessowners Coverage 'Form through new coverages and replace coverage grants. These coverages are subject to the provisions applicable to this policy, except where amended within this endorsement. If any of the property covered by this endorsement is also covered under any other provisions of the policy of which this endorsement is made a part of, or if more than one coverage under this endorsement applies, in the event of loss or damage, you may choose only one of these coverages to apply to that. loss. The most we will pay in this case is the limit of insurance applying to the coverage you select. Coverages included in this endorsement apply either separate'ty to each described premises or on an occurrence basis, Defer to each coverage within this endorsement for application of coverage. We provide no coverage for Business Income; Extended Business Income; Extra 'Expense; or Business Income and Extra Expense from Dependent. Properties for any of the Coverages included as part of this endorsement unless specifically stated, and then only to the extent provided for within that Scheduled or Blanket Coverage provision. I. COVERAGES Scheduled Coverages Limit i Page 1. Accounts Receivable On Premises $250,000 3 Accounts Receivable Off Premises $250,000 12. Backup or Overflow of a Sewer, Drain or Sump Included 3 3. Brands and Labels Included 3 14.Business Income Billable Hours Option $25,000 4 5. Business Income and Extra Expense - Dependent Properties $100,000 4 6. Transit Business Income and Extra Expense II $50,000 5 7. Business Income from Websites q $50,000 / 7 Days 5 8. Civil Authority 24 hour waiting period 5 9. Computer Equipment Included Computer Equipment In Transit or Off Premises Y $100,000 6 Computer Equipment - Newly Acquired or Constructed Property $100,000 Computer and Funds Transfer Fraud $10,000 6 I10. 11. Consequential Loss to Stock ( Included 6 112. Contract Penalties $25,000 I 6 13. Denial of Access to Premises 30 Days; 72 Hour Waiting Period 6 14. Electronic Vandalism $100,000 1 7 15. Employee Theft Including ERISA Compliance $50,000 I 7 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 17 1 16. Expediting Expenses 17. Extended Business Income 18. Fine Arts (Including Architectural Models) 19. Forgeryor Alteration 20. Hired Auto - Physical Damage 21. Identity Theft Expense Reimbursement 22. Interruption of Computer Operations On Premises Interruption of Computer Operations Off Premises ................... 23. Marring and Scratching Y24. Money and Securities Inside the Premises Money and Securities Outsidethe Premises 125. Money Orders and Counterfeit Money I 26. Newly Acquired or Constructed Property -Business Income and Extra Expense 27. Ordinance or Law - Demolition Cost Coverage and Increased Cost of Construction 28. Ordinance or Law - Increased Period of Restoration 29. Ordinance or Law (Tenants Improvement Extension) 130. Outdoor Property 131. Personal Effects 132. Portable Electronic Devices Coverage Worldwide 133. Precious Metal Theft Payment Changes 34. Preservation of Property - Expense 135. Personal Property in Transit 36. Sales Representative Samples 37. Temporary Relocation of Property 38. Tenant Signs 39. Utility Services Direct Damage (Including Overhead Transmission Lines) Business Income (Including Overhead Transmission Lines) 40. Valuable Papers and Records (Other Than Electronic Data) On Premises Valuable Papers and Records (Other Than Electronic Data) Off Premises 41. Worldwide Property Off Premises I $25,000 7 90 Days 7 $100,000 8 $50,000 8 $50,000 8 $15,000 9 $500,000 13 $25,000/$50,000 10 Included 11 $25,000 11 $25,000 $25,000 11 $500,000 11 I $25,000 $50,000 I 11 $25,000 I 12 $25,000 12 $75,000 12 $10,000 12 $25,000 13 I $25,000 13 Included 13 $25,000 13 $50,000 13 Included 14 $25,000 14 $25,000 $100,000 14 $100,000 $50,000 14 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 2 of 17 SECTION II - LIABILITY Changes 1. Additional Insured by Contract, Agreement or Permit - Amended 2. Additional Insured by Contract, Agreement or Permit - Primary and Non-contributory .- . ................ 3. Aggregate Limit of Insurance (Per Project) 4. Damageto Premises Rented to You - Revised Limit 15. Limits of Insurance- Medical Expenses u6. Newly Acquired or Formed Organizations u7. Non -Owned Watercraft �8. Who Is An Insured - Unnamed Joint Venture II. DEDUCTIBLES Deductibles are subject to the provisions applicable to the Businessowners Coverage Form except as provided below. We will not pay for covered loss or damage in any one occurrence unless the amount of loss or damage exceeds the applicable Deductible amount. We will then pay the amount of loss or damage in excess of the Deductible up to the applicable Limit of Insurance. III. COVERED PROPERTY Scheduled Coverages 1. Accounts Receivable SECTION I - PROPERTY, A. Coverage, 6. Coverage Extensions, f. Accounts Receivable, paragraphs (2) and (3) are replaced by the following: (2) We will pay under this Coverage Extension for loss or damage in any one occurrence at the described premises. The most we will pay is $250,000 for accounts receivable at the described premises, unless a higher Limit of Insurance for accounts receivable is shown in the Additional Property Coverage Schedule. (3) We will pay under this Coverage Extension for loss or damage in any one occurrence not at the described premises. The most we will pay is $250,000 for accounts receivable not at the described premises. 2. Backup or Overflow of a Sewer, Drain or Sump The following is added to SECTION I - PROPERTY, A. Coverage, 5. Additional Coverages: Backup or Overflow of a Sewer, Drain or Sump ar v r Insurance C.ra�up- 063 D820387 1001051 Limit Page Included 15 Included 15 16 $1,000,000 16 $10,000 per person 16 180 Days F 17 75 Feet 17 Included 17 (1) We will pay for direct physical loss or damage to Covered Property at the described prernises, solely caused by or resulting from water or waterborne material carried or moved by water that backs up or overflows or is otherwise discharged from a sewer, drain, sump, sump pump or related equipment. The term drain includes a roof drain and its related fixtures. (2) For the purpose of this Additional Coverage only, SECTION I - PROPERTY, B. Exclusions, g. Water, paragraph (3) is deleted. (3) Payment under this Additional Coverage is included within the applicable Limit of Insurance for Covered Property at a premises described in the Declarations. This Additional Coverage does not increase the Limits of Insurance. (4) Special Sewer Backup Exclusion We will not pay for: (a) Loss or damage from water or other materials that back-up or overflow from any sewer or drain„ sump, sump pump or related equipment when itis caused by or results from any "flood", regardless of the proximity of the back-up or overflow to the "flood" condition; or (b) Failure to keep a sump pump or its related equipment in proper working condition; or (c) Failure to perform routine maintenance or repair necessary to keep a sewer or drain free from obstructions. 3. Brands and Labels 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 3 of 17 The following is added to SECTION I - PROPERTY, A. Coverage, 6. Coverage Extensions: Brands and Labels (1) If Covered Property that has a brand or label is damaged by a Covered Cause of Loss and we elect to take all or any part of the damaged property at an agreed or appraised value, you may extend the insurance that applies to your Business Personal Property to: (a) Pay expenses you incur to: (i) Remove the brand or label and then relabel the damaged property to comply with any applicable law; or (ii) Label or stamp the damaged property Salvage, if doing so will not physically damage the property. (b) Cover any reduction in the salvage value of the damaged property as a result of the removal of the brand or label. (2) Payment under this Extension is included within the Limit of Insurance applicable to your Business Personal Property. 4. Business Income Billable Hours Option The following is added to SECTION I - PROPERTY, A. Coverage, E. Property Loss Conditions, 5. Loss Payment: Business Income Billable Hours Option (1) At your option you may choose to settle a covered Business Income and Extra Expense loss, as described under the Business Income, Extra Expense and Utility Services Additional Coverages, on a billable hours basis. If you choose this settlement method, the billable hours will be verified through review of your historical financial records or based on an average of your billable hourly rate over the past 12 months. (2) This loss settlement option is only available to you prior to your submission to us of calculations described under SECTION I - PROPERTY, A. Coverage, 5. Additional Coverages, f. Business Income. (3) If you choose this option, SECTION I - PROPERTY, A. Coverage, 5. Additional Coverages, f. Business Income, paragraph (c) is replaced by the following: (c) Business Income means the: (i) Income that would have been generated from billable hours normally charged by you to your clients for services performed by you or your employees if no physical loss or damage occurred; (ii) Other income of your business that would have been incurred if no physical loss or damage occurred; (iii) Continuing normal operating expenses incurred, including '"payroll expenses", However, if your business is not generating ally income because you are primarily in research or development or have not yet brought your product to market, your continuing normal operating expenses, including "payroll expenses" will not be offset by the Net Loss; and (iv) "Rental Value". For manufacturing risks, Net Income includes the net sales value of production. (4) For any occurrence, the two available methods for adjusting and calculating Business Income and Extra Expense loss may not be combined. When the alternative billable hours approach described above is selected, the maximum coverage under this loss settlement option is $25,000 on an actual loss sustained basis. 5. Business Income and Extra Expense - Dependent Properties The heading for SECTION I - PROPERTY, A. Coverage, 5. Additional Coverages, m. Business Income from Dependent Properties is replaced by the following: m. Business Income and Extra Expense from Dependent Properties The following is added to Business Income and Extra Expense from Dependent Properties: We will pay the necessary Extra Expense you incur due to direct physical loss of or damage to "dependent property" caused by or resulting from a Covered Cause of Loss. The definition of Extra Expense for this Additional Coverage is replaced by the following: 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 4 of 17 4 s Hanover Insurance Group_ 0133 D8203,87 1001051 Extra �� B | fm»nn��xadea Business uanmmnne expenses you incur during the"period (1) You may extend this insurance to of restoration" for the "dependent apply to a "suspension" of property" that you would not have oper�ons" oaumed` by direct " d incurred if there had been no direct physical loss or damage to physical (000 or damage to the property that you depend on for pnumiaao of any "dependent proparty" ''web site and communications caused by or resulting from m services" from a Covered Cause of Covered Cause ofLoss: Loss. (1) To avoid or minimize the (3) We will not pay for any |oae of "suspension" of business and to Business Income you incur during continue "operations"; or the first 12 hours that immediately (2) To minimize the ''ouapenoion" of fo||ovvo the time when you first business if you cannot continue discovered the Covered Cause of .,operations". Loss. This Waiting Period does not We will reduce the amount of your apply to Extra Expense. Extra Expense |ooe to the extent (3) The most we will pay for the actual you can return "operations" to |oun of Business Income and normal and discontinue such necessary and reasonable E*±no Extra Expense. Expense in any one occurrence (3) Paragraph (3) of this Additional under this Additional Coverage is Coverage is replaced by the $60/000 and only for the 7 -day period immediately following the following: Covered Cause cfLoss. (2) The most we will pay under �Q Coverage dnno not apply to this Additional Coverage is Websites unless there is a $100.000 per occurrence, regardless of the number of duplicate or back-up copy of your "dependent properties" Web Page stored at a location that affeuted is at least 1,000 foet away from the � premises of the vendor that 6. Transit Bus|mama Income and Extra provides ''vveb site and Expense communications services". The following is added to SECTION | ' (6) "Web Site and Communication PROPERTY, A. Coverage, 5. Additional Services" means: Coverages: (m) Internet mcmeso, e'nnm\|, web Transit Business Income and Extra hosting, value added network Expense services and application (1) We will pay the actual |oom of software services at the 8uoinama Income you sustain and premises ofothers; or necessary and reasonable Edna (b) Network and router Expense you incur caused by direct infrastructure located more physical loss of or direct physical than 1.000 feet from the damage to Covered Property while "/n described premises. transit" caused by or resulting from a bThin Additional Coverage inot subject ' ~��~ Covered Cause ofLomo � to SECTION l - PROPERTY, C. Limits of (2) SECTION | - PROPERTY, B. Insurance. Exc|us|oma, paragraphs 1.h Earth 8Civil Authority Movement and 1'g Water do not apply ' tothis Additional Coverage: SECTION | ' PROPERTY, A. Coverage, 5. (3) The most we will pay for |oao in anyAdditional Coverages,i C|�| Authority, paragraph (�) is replacedbythe following: ' one occurrence under this Additional Coverage is $60.000. (2) Civil Authority Coverage for Business (4) The amount payable under this |mommu will begin 24 hours after the time of the first action of civil authority ~'~x Additional Coverage is additional~~^ that prohibits 000eoo to the described lnouranoa � premioemandvvi|\and� 7�ua�n�so|n�omn��pmm��bo�ma ' (m) Four consecutive weeks after the o. The following is added to SECTION | ' time of that action; or PROPERTY, A.Coverage, 5. Additional (b)When your Civil Authority CovanoQo Coverages: for Business Income ends; 3014448 08 16 /nv|uuoo oopyr/omau moto,/a/ of Insurance oommoo omuo, Inc., with its permission. Page 5uf17 whichever islater. (1) You may extend the insurance that 9.Cm��utmrE�u��nnmnt applies your Business Personal rropaProperty to apply the reduction in � bm SECTION | - PROPERTY, A. Coverage, 5' value of the remaining rtof ''otouk^ Additional Coverages, r. Computer in process of manufacture that a,re Equipment, paragraph (6) is replaced by physically undamaged but are the following: unmarketable as a complete product (6) Regardless of the number of insured because of direct physical |oam or locations involved, the most we will damage from a Covered Cause of Loss pay for |uau or damage under this to other parts of covered "stock"' in Additional Coverage in any one processofmanufacture at an insured occurrence is the applicable Limit of location. Insurance for Covered Property at the (2) Should it be determined that such premises described in the "stock" retains only o salvage value, Declarations. . we retain the option of paying the full The most we will pay for |oua or value of the "stooh° as agreed within damage under this Additional this po|ioy, and taking the damaged Coverage to property described in property for salvage purposes. paragraphs (1) and (2) above in any (3) Payment under this Coverage one occurrence while "in transit" or at Extension is included within the a premises other than the described applicable Limit ofInsurance. premises io$100^DOO. 12. Contract Penalties The most we will pay for |ouo or damage under this Additional The following is added to SECTION | ' to property described in PROPERTY. A. Coverage, 5' AdditionalCovemage paragraphs (1) and' (2) above in any Coverages: one occurrence for property that you Contract Penalties newly acquire is$10O'0OD� (1) We will pay for contract penalties you With respect to newly acquired are required to pay due to your failure property under this Additional to provide your product or service Coverage, coverage will end when any according to contract terms because of of the following occurs: direct physical toss or damage by a (a) The policy azpinoo ' Covered Cause of Loss to Covered Property.(b) 180 days after you acquire the property listed in (1)(a 'd) (@) The most we will pay for all penalties' ' inany one occurrence io$25.00O. (o) Yourepodva|uua�oua� (3) The amount payable under this The most we will pay for Extra Additional Coverage is additional Expense is $5.000 or the amount insurance. shown in the Additional Property 13 Denial mfAccess bmPnmnmimem Coverage Schedule in any one ' occurrence. The following is added to SECTION | ' This Additional Coverage is not PROPERTY" A. Coxera0e, 5. Additional subject to SECTION l - PROPERTY, C. Coverages: Limits nfInsurance. Denial mfAccess toPremises 10. Computer and Funds Transfer Fraud (1) We will pay for the actual |oaa of - SECTION ' - ''^~'~^^'' A. ConensQm' 6 Business Income you sustain and Additional Coverages, hh Computer and ' ' necessary Extra Expense you incur when ingress �u or e�rmm� from the Funds Transfer Fraud, paragraph (3) is described premises is prevented due replaced by the following:to direct physical loss of or damage to (3) The most we will pay per occurrence property that is away from but within under this Additional Coverage is 2000 feet of the described premises, $10.000 unless a higher Limit of caused by or resulting from any Insurance is shown in the Schedule of Covered Cause ofLoss covered under Amended Limits mfInsurance. this policy. 11. Consequential Loss bmStock (2) The coverage for Business Income will The following is added to SECTION U - begin 72 hours after the |msa or PROPERTY. A. Covera8e, 6. Coverage damage to the premises that neuaas Extensions: the denial of access and will apply for Consequential Loss to Stock 3914448 08 16 Includes copyrighted material ofInsurance Services Office, Inc., with its permission. PoQa 6 of 17 o period of up to 30 consecutive days after coverage begins. (3) The coverage for Extra Expense will begin |nurmmd|atm|y after the |mma or damage to the premises that causes the denial o7access and will end: (a) 30 consecutive days after coverage begins; or (b) When your Business Income coverage ends; whichever iaearlier. (4) The definitions of Business Income and Extra Expense contained in the Business Income Additional Coverage and the Extra Expense Additional Coverage also apply to this Denial of Access to Premises Additional Coverage. 14. Electronic VmndmOann SECTION U - Property, A. Coverage, 5. Additional Coverages, dd. Electronic Vandalism, paragraph (3) is replaced by the following: (3) The most we will pay for loss of or damage to computer ''hardvvm,e" or "software" in any one 000mrranoe under this Additional Coverage is $5.000. The most we pay for all covered |naoeo to computer "hardware" or ^ooftwaro" under this Additional Coverage during each separate 12 -month period of this policy is $100,000. The most we will pay under this Additional Coverage for all loss or damage sustained in any one policy year, regardless of the number of occurrences of loss or damage or the number of premises, locations or computer systems involved, is $100,00B. unless o higher Limit of |noummmoe is mhov*m in the Declarations. If |oua payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent |mmu or damage sustained in, but not after, that policy year. With respect to an occurrence vvbioh begins in one pmUmv year and continues orresults in additional loss or damage in o Subsequent policy year(s), all Uusm or damage in deemed bo be sustained in the policy year in which the occurrence began. 15. Employee Theft Including ERISA Compliance SECTION U 'PROPER7Y, A. Coverage, 5. Additional Coverages, p. Employee Theft Including ERISA, paragraph (6). is replaced by the following: n" nover Insurance Group- -- OB3D820387 1001051 (6) The most we will pay for all loss resultingfrom an occurrence is $50,000. Regardless of the number of years this policy remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year. 16. Expediting Expenses The following is added to SECTION | ' PROPERTY, A. Coverage, 5. Additional Coverages: Expediting Expenses (1) When e Covered Cause of Loss occurs to Covered Property, vvewill pay for the reasonable and necessary additional expenses you incur to: (m) Make temporary repairs; (b) Expedite permanent repair or replacement of damaged property; or (c) Provide training on replacement machines nrequipment. (2) The most vvewill pay for loss under this Additional Coverage in any one occurrence |m$05.OQO. (3) The amount payable under this Additional Coverage is additional insurance. 17' Extended Business Income SECTION I - PROPERTY, A. Coverage, 5. Additional Coverages, f. Business Income, (2) Extended Business Income, (a) Extended Business Income - Other Than Rental Value, paragraph (H) and (b) Extended Business Income - Rental Value, paragraph (11) are replaced by the following: (a) Extended Business Income ^ Other Than Rental Value UU Ends onthe earlier of: 1) The date you could restore your opermdone, with reasonable speed, to the level which would generate the business income amount that would have existed if no dinuod physical |oao or damage had occurred; or 2) 90 consecutive days after the date determined in (2)(a)(1) above. (b) Extended Business Income ' Rental Value (||) Ends onthe earlier of: 1) The data you could restore tenant occupancy, with reasonable apeed, to the level which would generate the "Rental Value" that would have 391-1448 08 16 |mmuuoo oopvnumou material of Insurance aonxmm offioo. Inc., with its permission. Page 7of17 existed if no direct physical loss or damage had occurred; or 2) 90 consecutive days after the date determined in (2)(b)(i) above. 18. Fine Arts a. SECTION I - PROPERTY, A. Coverage, 6. Coverage Extensions, x. Fine Arts, paragraph (3) is replaced by the following: (3) The most we will pay for loss under this Additional Coverage is $100,000 per occurrence regardless of the number of locations or building's involved. b. For the purpose of this Additional Coverage, SECTION I - PROPERTY., O. Property Definitions, 21. "Fine Arts" is replaced by the following: 21. "Fine Arts" means architectural models, paintings, etchings, pictures, tapestries, rare art glass, art glass windows, valuable rugs, statuary, sculptures, "antique" furniture, "antique" jewelry, bric-a-brac, porcelains, and similar property of rarity, historical value, or artistic merit. 19. Forgery or Alteration SECTION I - PROPERTY, A. Coverage, 5. Additional Coverages, k. Forgery or Alteration, paragraph (5) is replaced by the following: (5) The most we will pay for any loss, including legal expenses, under this Additional Coverage Is $50,000. 20. Hired Auto - Physical Damage The following is added to SECTION I - PROPERTY, A. Coverage, 5. Additional Coverages: Hired Auto - Physical Damage Coverage (1) We willpay for loss to an "auto" you or an "employee", at your direction„ lease„ hire or rent without a driver for a period of Std days or less for the purpose of conducting customary operations for your business. This does not include any "auto" you lease, hire or rent from any of your "employees" or members of their households. We will pay for loss to a covered "auto" or its equipment caused by: (a) Comprehensive coverage From any cause except: (i) The covered "auto's" collision with another object; or (ii) The covered "auto's" overturn. (b) Collision coverage (i) The covered "auto's" collision with another object; or (ii) The covered "auto's" overturn. (2) For the purpose of this Additional Coverage only, SECTION I - PROPERTY, A. Coverage, 2. Property Not Covered, paragraph a., is replaced by the following: a. Aircraft, automobiles, motortrucks and other vehicles subject to motor vehicle registration and: (1) Any "auto" as described in paragraph (1) above, while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity; (2) Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment; (3) Any device designed or used to detect speed measuring equipment such as radar or laser detectors and any jamming apparatus intended to elude or disrupt speed measurement equipment; or (4) Any electronic equipment, without regard to whether this equipment is permanently installed, that receives or transmits audio, visual or data signals and that is not designed solely for the reproduction of sound. (3) For the purpose of this Additional Coverage only, SECTION I - PROP'ER'TY, B. Exclusions does not apply with the exception of the following exclusions: (a) 1.d. Nuclear Hazard; (b) 11 War and Military Action For the purpose of this Additional Coverage only, the following exclusions are added to SECTION I - PROPERTY, B. Exclusions: 1. We will not pay for loss to a covered "auto" caused by or resulting from someone causing you to voluntarily part with the "auto" by trick or scheme or under false pretenses; or 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 8 of 17 2. We will not pay for loss caused by or resulting from wear and tear, freezing; mechanical or electrical breakdown; blowouts, punctures or other road damage to tires. (4) For the purpose of this Additional Coverage only, the following is added to SECTION I - PROPERTY, C. Limits of Insurance: Hired Auto Physical Damage Limits of Insurance The most we will pay for loss to any one covered "auto" is the lesser of: a. The actual cash value of the damaged or stolen property as of the time of loss; b. The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality; or c. $50,000. (5) The following is added to SECTION I - PROPERTY, D. Deductibles, paragraph 5.: Hired Auto - Physical Damage (6) For the purpose of this Additional Coverage only, the following is added to SECTION I - PROPERTY, G. Property Definitions: 1. "Auto" means a land motor vehicle, trailer or semitrailer that is subject to motor vehicle registration, or designed for travel on public roads, including any attached machinery or equipment. The amount payable under this Additional Coverage is additional insurance. This coverage is excess to any other valid insurance whether collectible or not. 21. Identity Theft Expense Reimbursement The following is added to SECTION I - PROPERTY, A. Coverage, 5. Additional Coverages: Identity Theft Expense (1) We will pay for "expenses" incurred by an "insured person" as a direct result of any one "Identity Theft" first discovered or learned of by such "insured person" during the policy period. Any act or series of acts committed by one or more persons" or in which such persons are aiding and abetting others against an "insured person", is considered to be one "identity theft" even if a series of acts ` H"a""'nover Insurance Oroup- OB3 D820387 1001051 continues into subsequent policy period(s). (2) With respect to this Additional Coverage: (a) "Expenses" means: (i) Costs for notarizing affidavits or similar documents attesting to fraud required by financial institutions or similar credit grantors or credit agencies; (ii) Costs of certified rnail to Naw enforcement agencies, credit agencies, financial institutions or similar credit agencies; (iii) Lost income resulting from: 1) Time taken off work to complete fraud affidavits; or 2) Meeting or talking to law enforcement agencies, credit agencies or legal counsel. (iv) Loan application fees for reapplying for a loan or loans when the original application is rejected solely because the lender received incorrect credit information; (v) Reasonable attorney fees to: 1) Defend lawsuits brought against an "insured person" by merchants, financial institutions or their collection agencies; 2) Remove any criminal or civil judgments wrongly entered against an "insured person"; or 3) Challenge the accuracy or completeness of any information in a consumer credit report; (vi) Charges for bong distance telephone calls due to "Identity theft" to: 1) Merchants; 2) law enforcement agencies; 3) Financial institutions or other similar credit grantors; or 4) Credit agencies (vii) Reasonable fees for professional financial advice or professional credit advice. 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 9 of 17 The most we will pay for (5) The most we will pay under this "expenses" under paragraph (2) Additional Coverage for all "Expenses" (a) is $5,000" subject to a arising out of all "Identity Theft" against maximum of $200 per day. an "Insured Person" incurred in any (b) For purposes of this Additional "identity one policy year, regardless of the number of "Identity Thefts" involved, is Coverage, theft" means: $15,000 unless a (higher Limit of The act of knowingly transferring Insurance is shown in the Declarations. or using, without lawful authority, (6) In order for coverage to be provided a means of identification of an Insured person with the intent to under this Additional coverage, you commit" or to aid or abet another must send to us, within 60 days after to commit, any unlawful activity our request„ receipts, bills or other records that support your claim for that constitutes a violation of "expenses" under "identity theft" Federal law or a felony under any applicable state or local law; and coverage. (c) "Insured person" means: 22. Interruption of Computer Operations (i) For soie proprietorships: The SECTION 1 -PROPERTY, A. Coverage, S. who the sole individual w h Additional Coverages, ee. Interruption of proprietor the Named Computer Operations, paragraph (3) is Insured shown in the replaced by the following: Declarations; (3) The most we will pay under this (ii) For partnerships: Any Additional Coverage - Interruption of individual that is a partner of Computer Operations for all loss sustained and expense incurred in any the Named Insured shown in the Declarations; one policy year, regardless of the number of interruptions or the number (iii) For corporations or any other of premises, locations or computer type of organization: The systems involved is: Chief Executive Officer, and (a) $500,000 unless a higher Limit of any individual who has an Insurance is shown in the ownership interest of at least Declarations. If loss payment 20%off the Named Insured, relating to the first interruption shown the Declarations. does not exhaust this amount, then (3) The following additional exclusions the balance is available for loss or apply to this Additional Coverage: expense sustained or incurred as a We will not pay for: result of subsequent interruptions in that policy year. A balance Expenses incurred due to an (a) Ex P y remaining at the end of a policy fraudulent, dishonest or criminal year does not increase the amount acts by: of insurance in the next policy (i) An "insured person"; year. With respect to any (ii) Any person aiding or abetting "insured interruption which begins in one and ues or an person"; or additionalnti results y in loss or (iii) Any authorized representative expense in a subsequent policy of an "insured person"; year(s), all loss and expense is whether acting alone or in deemed to be sustained or collusion with others; or incurred in the policy year in which the interruption began. (b) Loss other than "expenses". Account balances which arise out (b) $25,000 in any one occurrence for of fraudulent or unauthorized interruptions covered under charges would be one example of paragraphs (1) and (2) above for loss other than "expenses". loss arising out of a Covered Cause of Loss occurring away from 4 Regardless of the amount of the O Re g the described premises. This per deductible for Covered Property occurrence limit applies regardless shown in the Declarations, the most of the number of premises we will deduct from any claim for involved. "expenses" under this Additional Coverage for any one "identity theft" (c) $50,000 for all losses arising out of is $250. interruptions covered under paragraphs (1) and (2) that arise out of a Covered Cause of Loss 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 10 of 17 4 Hwino 1MI er Insurance Group_ OB3 D820387 1001051 occurring away from the described and Counterfeit Money, paragraph (3) is premises during each separate 12 replaced by the following: month period of this policy. (3) The most we will pay for any loss 23. Marring and Scratching under this Additional Coverage is The following is added to SECTION I - $25,000. PROPERTY, A. Coverage, 6. Coverage 26. Newly Acquired or Constructed Property - Extensions: Business Income and Extra Expense Marring and Scratching SECTION I - PROPERTY, A. Coverage, 6. (1) You may extend the 'insurance that Coverage Extensions, a. Newly Acquired or Constructed Property, paragraph (3) is applies to Business Personal Property replaced by the following: to apply to damage caused directly by sudden and accidental marring and (3) Business Income and Extra Expense scratching of: You may extend the insurance that (a) Your "stock"; applies to Business Income and Extra (b) Your printing plates; or Expense to applyto property at any location you acquire. The most we will (c) Property of others that is in your pay for loss or damage under this care, custody or control. Extension is $500„000 at each (2) This Coverage Extension does not premises. apply to: 27. Ordinance or Law - Demolition Cost and (a) Property at other than the Increased Cost of Construction described premises; or SECTION I - PROPERTY, A. Coverage, 5. (b) Personal Property in transit. Additional Coverages, I. Ordinance or Law, (5) Loss Payment, paragraph (d) is Pa under this Coverage (3) Payment g replaced by the following: Extension is included within Limit of Insurance applicable to your Business (d) The most we will pay for the total of all Personal Property. covered losses for Demolition Cost and Increased Cost of Construction for 24. Money and Securities each building described in the SECTION I - PROPERTY, A. Coverage, 5. Declarations is $25,000 or the amount Additional Coverages, s. Money and shown in the Additional Property Securities, paragraph (5) is replaced by Schedule. If a damaged building(s) is the following: covered under a Blanket Limit of (5) The most we will pay for loss in any Insurance and the Blanket Limit of Insurance applies to more than one one occurrence is: building or item of property„ then the (a) $25,000 or the amount shown in most we will under this Additional the Additional Property Coverage Coverage, for each building, is $25„000, Schedule Inside the Premises for or the amount shown in the Additional "money” and "securities” while: Property Coverage Schedule. (i) In or on the described 28. Ordinance or Law - Increased Period of premises; or Restoration (ii) Within a bank or savings a. The following is added to SECTION I - institution in the coverage PROPERTY, A. Coverage, 5. Additional territory; and Coverages, I. Ordinance or Law, (b) $25,000 or the amount shown in paragraph (4) Coverage: the Additional Property Coverage If a Covered Cause of Loss occurs to Schedule Outside the Premises property at the premises described in for "money" and "securities" while the Declarations, coverage is extended at any other location listed in (1) to include the amount of actual and above and while in the coverage necessary loss you sustain during the territory. increased period of "suspension" of 25. Money Orders and Counterfeit Money "operations" caused by or resulting from the enforcement of any ordinance SECTION I - PROPERTY, A. Coverage, 5. or law that: Additional Coverages, j. Money Orders (a) Regulates the construction or repair of any property; 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 11 Of 17 (b) Requires the tearing down of parts of any property not damaged by a Covered Cause of Loss; and (c) Is in force at the time of loss. However, coverage is not extended under this endorsement to include loss caused by or resulting from the enforcement of any ordinance or law which requires: (d) The demolition, repair, replacement, reconstruction, remodeling or remediation of pro erty due to contamination by pollutants" or due to the presence, growth, proliferation, spread or any activity of "fungi", wet or dry rot or bacteria; or (e) Any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants", "fungi", wet or dry rot or bacteria. b. The following is added to SECTION I - PROPERTY, A. Coverage 5. Additional Coverages, I. Ordinance or Law, (5) Loss Payment, (paragraph (c): The most we will pay for loss under Increased Period of Restoration in any one occurrence is $50,000 for each described building shown in the Declarations or the amount shown in the Additional Property Coverage Schedule. If a damaged building(s) Is covered on a blanket Limit of Insurance which applies to more than one building or item of property, then the most we will pay for Increased Period of Restoration for each described building in any one occurrence is $50,000. 29. Ordinance or Law (Tenant's Improvement Extension) a. The following is added to SECTION I - PROPERTY, A. Coverage, 5. Additional Coverages, I. Ordinance or Law, paragraph (4) Coverage: Coverage provided under paragraphs (a), (b) and (c) above applies to tenant's improvements and betterments but oniy if a Limit of Insurance is shown in the Declarations for Business Personal Property. Business Personal Property must be insured on a replacement cost basis. This extension is provisional and excess to any other valid insurance for tenant's improvements and betterments whether col'l'ectible or not. b. The following is added to SECTION I - PROPERT"r, A. Coverage, 5. Additional Coverages, I. Ordinance or Law, (5) Loss Payment, paragraph (c): Regardless of the number of locations insured or buildings involved, the most we will pay for any loss to tenant's improvements and betterments under this Additional Coverage in any one occurrence is $25,000. 30. Outdoor Property SECTION I - PROPERTY, A. Coverage, 6. Coverage Extensions, c. Outdoor Property, paragraph (3) is replaced by the following: (3) Regardless of the number of described premises involved, the most we will pay for loss or damage under this Extension, including debris removal expense, is $25,000, but not more than $1,000 for any one tree, shrub or plant. 31. Personal Effects SECTION I - PROPERTY, A. Coverage, 6. Coverage Extensions, d. Personal Effects, paragraph (3) is replaced by the following: (3) The most we will pay for loss or damage under this Extension is $75,000 at each described premises. 32. Portable Electronic Devices Coverage Worldwide The following is added to SECTION I - PROPERTY, A. Coverage, 5. Additional Coverages: Portable Electronic Devices Coverage Worldwide (1) We will pay for loss or damage caused by or resulting from a Covered Cause of Loss to portable electronic devices while anywhere in the world, including while "in transit". (2) For the purpose of this Additional Coverage, the following is added to SECTION I - PROPERTY, G. Property Definitions: Portable electronic devices includes laptops, tablets, e -readers, smartphones or other lightweight, hand-held or wearable devices capable of storing, retrieving and processing data. (3) This coverage is provided when the property is owned by you or owned by others when in your or your "employees"' care, custody or control, subject to SECTION I -PROPERTY, E. 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 12 of 17 Insuninct! Group - 01133 D820387 1001W.' Property Loss Conditions, 5. Loss (1) $10,00for fum, fur garments and Payment, paragraph d.(3)(b). garments trimmed with fur. (4) We will not pay for loss or damage to (2) $10,008 for jewelry, watches, watch portable electronic devices when movements, ]avve|m, puorls, caused by, resulting from, or arising precious and semi-precious stones. out of "theft"' or unexplained |omo This limit does not apply to jewelry when the property is checked and watches worth $250 or less Per baggage with ocarrier for transit. item. (5) The provisions for a 8uminouo Income (3) $25,000 for bu||ion, gold, silver, |000 will be governed by the terms of platinum and other precious o||oye SECTION | ' PROPERTY, A. Cmvanmge, or metals. S' Additional Cmv»ro0ma, t Business 34. pmemmnv�Property Income except: (o) There is no requirement that a The h»\lovv|ng is added to SECTION | ' PROPERTY, A. Coveme8a, 5. Additional |oan occur within 1feet or at �0'-00 � Cmv»nm0ms� the described as stated in paragraph (1)(m); and pmaaen«mt|mn of Property - Expense (b) The following are not included (1) If it is necessary to move Cowered under this Additional Coverage: Property from the described pnsnnioeo (i) Continuing normal operatingo to preserve it from |000 or damage by Covered Cause of Loss, we will pay expenses incurred, including ,.payroll expense"; your expenses to move or store the Covered Property. (i|) Extended Business Income. (2) This coverage applies for 8Udays after (0) The provisions for Extra Expense loss the property is first movad, but does will be governed by the terms of not extend past the date on which this SECTION | ' PROPERTY, A. Coverage, policy expires. 6. Additional Coverages, 0' Extra (3) The most we will pay under this Expense except: Additional Coverage io$25.UOO. (o) There is no requirement that a This Additional Coverage is an additional |noo occur within 1feet or et �O--UO amount ofinouronna the described premises as stated � in paragraph g.(1) and g.(2). 35. Personal Property inTransit (7) 0nn|tad|mns, item b. does not apply to SECTION / PROPERTY, Coverage, G. this Additional Coverage. Coverage Extena|ons, L Personal Property (Q) SECTION | ' PROPERTY' B. Tnmma|t' paragraph (5) is replaced by the � Exclusions, S. Bua|nmea Income and following: � Extra'� h � Payment under this Coverage (5)E� (4) does not apply to this Additional Extension is included within the Limit of Coverage. Insurance applicable to your Business (9) Regardless of the number of lost or Personal Property damaged portable electronic devices, 36. Sales Representative Samples the most wewill pay per occurrence SECTION 7 ' PROPERTY, 6. Additional including actual |omu of Business Coverages, y. Sales Representative Income you sustain and necessary ery Samnples. paragraph (3) is replaced by the Extra Expense you incur, io$1O,8OU. following: (10)The amount payable under this (3) The most we will pay for any |ooa or Additional Coverage is additional damage under this Additional insurance. Coverage is $25^000. 33. Precious Metal Theft Payment Changes 37. Temporary Relocation mfProperty SECTION I ' PROPERTY, A. Cmnerm8a, 4. The h/Nowing is added to SECTION | ' L|nmitad|ona, paragraph c' is replaced by PROPERTY, A. Covensga, 5. Additional the following: Coverages: o. For |noo or damage by "theft". the Temporary Relocation cf Property following h/pom of property aro covered only uptothe limits shown: 3914448 08 16 |no|uoox oo»yriomou material of |nounonno nammoo omoo, Inc., with its permission. Pm8m 13 of 17 (1) We will pay for |oom of or damage to below. Covered Property from a Covered We will only pay for |uoo you Cause of Loss vvhi|u it is away from sustain after the first 24 hours the described premises, if it is being following the direct physical loss ur stored temporarily at a location you do damage to the property described not own, lease or operate while the above. described premises iobeing renovated The most we will pay for loss in nrremodeled. any one occurrence under this (2) This coverage applies for 9Ddays after Additional Coverage is $25.000 at the property is first moved, but does each described premises or the not extend past the date on which this Limit of Insurance shown in the policy expires. Additional Property Coverage (3) The most we will pay under this Schedule. Additional Coverage in$5O.0OO. b. SECTION | ' PROPERTY A. Coverage, WQ The amount payable under this 5. Additional Coverages, bb. Utility Additional Coverage is additional Services, paragraph (4)iudeleted. insurance. 40. Valuable Papers and Records (Other Than 38. Tenant Signs Electronic Data) SECTION ] - PROPERTY,A. Coverage, S. SECTION | PROPERTY, ACoverage, 8 Additional Co*mro8as. t. Tenant 0ig�`a, Coverage Extensions, e. Valuable Papers paragraph (4) is replaced bythe following: and RecomdsData),herThan Electronic ��, (4) The most we will Pay for yooe or �amd (3) are replaced by the following: /2� ^ � damage in any one occurrence is the Limit of Insurance for Business (2) The most we m/||li pay under this Personal Property shown in the Coverage Extension for loss or Omo|aroUonn. damma e to "valuable papers and 39. Utility Services (including Overhead recor�s', in any one occurrence at the described premises is $100,080. Transmission Lines) a' SECTU��NU ' PROPERTY. A. Coverage,Coverage (�) The m�� we will pay under this Extension for |ooa or 6. Additional Cmvenmgme. bb. Utilityd to "valuable papers and Services, paragraphs (1) and (2) are r^~^~u~^ in anyonam�«urr�noe not at replaced bythe fo||ovving: �-----ribedpremises is $100,000. (1) We will pay for |000 of or domoQo 41Worldwide ' to Covered Property caused by an interruption in service to the The following is added to SECTION | ' described premises. The PROPERTY, A. Coverage, 6. Coverage Interruption must result from direct Extensions: physical |oeo or damage by a Worldwide Property Off -Premises Covered Cause of Loss to property not onthe described premises that (1) You may extend the insurance that provides the oarviuoo shown in applies to your Business Personal paragraph (�) below. Property and Personal Property of Others to app|y to that property vvh/|e The most we will pay for |oaa in it is temporarily outside the coverage any one occurrence under this territory ifitis: Additional Coverage is $25,000 at each described premises or the (a) Temporarily at a location you du Limit of Insurance ohmvvn in the not own, lease or operate; Additional Property Coverage (b) Temporarily on display or exhibit Schedule. at any hair, trade show or � We will pay o��ua| |oaa of (2)VV � exhibition; Business Income you sustain and (c) Samples of your^stnnk^ in trade in necessary Extra Expense you incur the custody of your sales caused by the interruption of representatives; or service otthe described premises. (d)While "in transit" between the The interruption must result from described premises and alocation direct physical |nnm or damage by described in(a).(b)or(o)above. a Covered Cause of Loss to property not on the described (2) The most we will pay for |nan or premises that provides the damage under this Extension is services shown in paragraph (3) $50.000. 391'14480816 Includes copyrighted material mInsurance Services Office, mc,with its permission. Page 14of17 (3) This Extension provides an additional amount of insurance. SECTION II - LIABILITY Paragraphs 2. through 8. amend coverage provided under SECTION II - LIABILITY. 1. Additional Insured by Contract, Agreement or Permit - Amended For purposes of the coverage provided by this endorsement, Coverage 1. Additional Insured by Contract, Agreement or Permit, subparagraph c. (5) of the Businessowners Liability Special Broadening Endorsement is replaced by the following: This provision does not apply to: (5) All professional liability as an architect or engineer arising out of any construction agreement or activities under which any insured or anyone acting on any insured's behalf provides or provided service, advice, expertise or work. Construction includes, but is not limited to, the plan, conception, design„ build, construct, assembly, development, safety, erection, formation, reconstruct, rehabilitation, repair, or any improvement made to real property. Construction also includes the hiring, supervision or management of any of these activities. However, this exclusion does not apply to liability arising out of an insured's presence at a jobsite that was not caused by professional activities listed in the above paragraph. 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 professional liability as an architect or engineer arising out of any construction agreement or activities under which any insured or anyone acting on any insured's behalf provides or provided service, advice, expertise or work. 2. Additional Insured by Contract, Agreement or Permit - Primary and Non-contributory a. The following is added to SECTION III - COMMON POLICY CONDITIONS (APPLICABLE TO SECTION I - PROPERTY AND SECTION II - LIABILITY), paragraph H. Other insurance: Additional Insured - Primary and 4 HG"fir nov r Insurance Group_ OB3 D820387 1001051 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. Then, we will share with all that other insurance by the method described in c. below. (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; (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, 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 15 of 17 "autos" or watercraft to the LIABILITY, F. Liability and Medical Expense extent not subject to Exclusion Definitions: g. of SECTION II - LIABILITY. 1. "Unnamed joint venture" means any B. Exclusions, 1. Applicable to joint venture in which you are a Business Liability Coverage. member or partner where: (v) That is insurance available to a. Each and every one of your you for your participation in co -ventures in that joint venture is any past or present "unnamed a hair salon. joint venture". b. That joint venture is not. (vi) That is any insurance you may have that provides coverage 3. Aggregate Limit of Insurance (Per Project) for your professional services. a. For purposes of the coverage provided by (b) When this insurance is excess, we this endorsement, the following is added to will have no duty to defend the SECTION II - LIABILITY, D. Liability and insured against any "suit" if any Medical Expenses Limits: other insurer has a duty to defend The General Aggregate Limit under D. the insured against that "suit". If Liability and Medical' Expenses Limits of no other insurer defends, we will Insurance applies separately to each of undertake to do so, but we will be °'your projects" or each location listed in entitled to the insured's rights the Declarations. against all those other insurers. b. For purposes of the coverage provided by (c) When this insurance is excess this endorsement, the following definition over other Insurance, we will pay is added to SECTION II - LIABILITY, F. only our share of the amount of Liability And Medical Expenses Definitions: the loss, if any, that exceeds the 1. "Your project" means: 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. b. For the purposes of coverage provided under this endorsement, the following definition is added to SECTION II - 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. 4. Damage to Premises Rented To You - Revised Limit SECTION II - LIABILITY, D. Liability And Medical Expenses Limits of Insurance, paragraph 4. is replaced by the following: 4. The most we will pay under Business Liability Coverage f or damages because of "property damage" to any one premises,„ while rented to you or while temporarily occupied by you with permission of the owner will be the greater of: a. $1,000,000; or b. The Limit of Insurance f or Damage to Premises Rented To You shown in the Declarations. 5. Limits of Insurance - Medical Expenses For purposes of the coverage provided by this endorsement, SECTION II - LIABILITY, D. Liability and Medical Expenses Limits of Insurance, paragraph 3. is replaced by the following: 3. Subject to the Liability and Medical Expenses Limits Limit, the most we will Say for all medical expenses because of 'bodily .Mury"" sustained by any one person Is 10,OfO or the Medical Expenses limit shown in the Declarations, whichever is greater. 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 16 of 17 6. Newly Acquired or Formed Organizations SECTION II - LIABILITY, C. Who is An Insured, paragraph 3. a. is replaced by the following: a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier. 7. Nonowned Watercraft SECTION II - LIABILITY, B. Exclusions, 1. Applicable to Business Liability Coverage, g. Aircraft, Auto or Watercraft, (2) Aircraft (Other Than Unmanned Aircraft), paragraph (b) is replaced by the following: (b) A watercraft you do not own that is: (i) Less than 75 feet long; and (ii) Not being used to carry persons or property for a charge. 8. Who is an Insured - Unnamed Joint Venture a. For purposes of the coverage provided by this endorsement, the final paragraph of SECTION II - LIABILITY, C. Who Is An Insured is replaced by the following: Unnamed Joint Venture No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations. However, this does not apply to you, for your participation in any past or present "unnamed joint venture", or if that person or organization is 411 w H "I( anover Group- OB3 D820387 100101 otherwise an additional insured under Additional Insureds - Unnamed Joint Venture below. b. For purposes of the coverage provided by this endorsement, the following is added to SECTION II - LIABILITY, C. Who is an Insured: Additional Insureds - Unnamed Joint Venture: You, as an insured for your participation in any past or present "unnamed joint venture". However, you are not an insured if the "unnamed joint venture" has: (1) Direct employees; or (2) Owns, rents, or leases any real or personal property. No other member or partner, or their spouses, of any past or present "unnamed joint venture" is an insured. c. For purposes of the coverage provided by this endorsement, the following definition is added to SECTION II - LIABILITY, F. Liability And Medical Expenses Definitions: 1. "Unnamed joint venture" means any joint venture in which you are a member or partner where: a. Each and every one of your co -ventures in that joint venture is an architectural, engineering or surveying firm; and b. That joint venture is not named in the Declarations. ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 17 of 17 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 04 03 06 (Ed. 04-84) 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 perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be 2% of the California workers' compensation premium otherwise due on such remuneration. Schedule Person or Organization Job Description Any person or organization as required by written contract. 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 8/21/2020 Policy No. SWC1298993 Endorsement No. 0 Insured RHA Landscape Architects -Planners, Inc. Premium $ 4,361 Insurance Company Security National Insurance Company Countersigned by _..........._ ................................ WC 04 03 06 (Ed. 04-84)