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PROOF OF INSURANCE (2024 - 2025) CLOSEDRHALAND-01 ..__...._ ON Al CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDD/YYYY) 2/2/2024 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 olic ies must have INSURED _ p y(' ) D provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorserrient(s _._. c AOT Jennifer Housel PRODUCER License tl 075"7776' _ A HUB International Insurance Services Inc. eon gal c hD8581 Nei 951J 231-2572 PO Box 5345 Alc No Fxd 951 779 8 Riverside, CA 92517 AI .a p_( om nternational c INSURED RHA Landscape Architects -Planners, Inc. 6840 Indiana Ave, Ste 100 Riverside, CA 92506 Citizens Insurance Comf Securitv National Insurance COVERAGES _......� CE;! "T ATE NU1MI199.'_ REVISION 6LUIL R�* 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, CLAIMS. EXCLUSIONS AND CO 5....... _ _ POLICIES. sluaR .__ POLICY EFF POLE — E OF INSURANCE ,,, REDUCED F PAID CONDITIONS OF SUCH111111111"..— icv ExP IIiNSR( �,P POLICY NUMBER LIMITS i.4I8._ ... �. S LIMITS SHOWN MAY HAVE BEEN RE � .. A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCEµ _ _ -. 000 000 CLAIMS -MADE N.X II DAMAGE TO RLNTED 300,000 occuR X OB3D820387 2/3/2024 2/3/2025 P.RlFil trsrfu¢alafra_.._ '__.._ry MFD EXPAnyoneon)__ f 10 000 _ PRSONAI_,m& ADV INJ RY $ 2,000,000 GE;;N tl. AtroGR.EGAI E LIMIT APPLIES PER: 4 000,000 _GENERAL A,GGREGA7E $ „„ , .... ..._.... Ty. ..... _ POLICY _J 1' LOC PRODUCTS„ COMP/OPAGG $ ,000,000 dlnr IraLt LIMIT 2,000,000 A AUTOMOBILE LIABILITY _., _ e $— ......0 _ ANY AUTO OB3D820387 2/3/2024 2/3/2025 BODILY INJURY Per, , rsony _�,_., ..... OWNED SCHEDULED _ AUTOS ONLY AUTOS BODILY INJURY Per ac,cide JI--- „..__ ..XH R D .. , Nf N•, 'yyvyyCfiFgg�yy PROPEp�'f'k`.GAMAGE�� A�JIE(i'aONLY nX ARP61�'Ir .Y ll�r&ar:"J epuA). $_ ......,... _._ ...... ......_.m.. .......... .._............. .. ......... $ ......... UMBRELLA LIAB OCCUR ,EACH OCCURRENCE . `b.... ,„,,,._-.—........ EXCESS LIAB CLAIMS -MADE ,...AGG..GAT.E .......................____.......-...........................W.......... ---- B AND KERS COMPENSATION TION Y DED RETENTION $ --- MPELI A LIABILITY ^X STA71,l.?R�... ..,ETR.— .........., . EMPLOYERS' LIABILITY SWC1449782 8/21/2023 8/21/2024 1,000 000 ANY PROPRIETOR/PARTNER/EXECUTIVE /�j X E L. EACH, ACCIDENT__ $_.. Q.3 FICERf YE MBER EXCLUDED? Y �I NIA QQQ QQQ Ma.+aciatlrsry9n NH) _EL DISEASE - EA EMPLOYEE $ 1 If yes, describe under r_ DESCRIPTION OF OPERATIONS below E L. DISEASE; POLICY LIMIT $ 1,000,000 C Professional Liab LAH003011898 8/6/2023 1 8/6/2024 Each Claim 2,000,000 C PROF DED: $15,000 LAH003011898 8/6/2023 8/6/2024 Aggregate 4,000,000 .........._ ......... ...... .... ......... _ DESCRIPTION OF OPERATONS I LOCATIONS I VEHICLES 4ACORD 101, Additional Remarks Schrt^.rbuN, may be: attached If more space is requires!) RE: Recreation Park, 401 Sheldon Street, El Segundo, CA. The City of El Segundo, its officers, officials, employees, agents, and volunteers are Additional Insured with regard Ito General Liability when required by written contract per the attached endorsement forms 391-1006 08/16 and 391-1448 08/16, Primary 8, Non -Contributory included. Waiver of Subrogation with regard to Workers Compensation applies when required by written contract per the attached endorsement form WC040306 Ed. 04-84. SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of El Segundo ACCORDANCE WITH THE POLICY PROVISIONS. 350 Main Street El Segundo, CA 90245 . ................................... ........-... ..... AUTHORIZED REPRESENTATIVE L� �4A a ' .. ._ 1988-2015 ACORD CORPORATION. ACORD 25 (2016103) O RATION. All rights reserved. The ACORD name and logo are registered marks of ACORD Insured: RHA Landscape Architects -Planners, Inc. Policy Number: OB3D820387 Policy Effective: 2/3/2024 Policy Expiration: 2/3/2025 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESSOWNERS LIABILITY SPECIAL BROADENING ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM SUMMARY OF COVERAGES .....,..m_ _.._-..� .. ....a ......—.._.�. Limits ............-- -_... Page.....,. I. ...Ad d i t i o------- .................... 9------. ----- ------ — nab Insured b Contract, A reement or Permit ........ Included ....------ - - - 1 2. Additional.._,._ _.w......F........... ........... __ Insured -Broad Form Vendors .r....� - Included 2 3. Alienated Premises Included 3 - 4. _._ Damage - �' Borrowed Equipment .om o ,Customers of IncludedForm ded 3 Goods and Use Elevators 33m._ 5. .... Incidental Malpractice(Employed Nurses, EMT s and Paramedics) p �... Included ded 3 6. Personal and Advertising Injury - Broad Form Included ............ _,_. 4 _.......�........... 7. .... ......... ��_.........................................we Product Recall Expense Included 4 �- e Limit Product Recall Expense Each Occurrence i - $25,000 5 Occurrence �mm Product Recall Expense Aggregat...�.._ e Limit �mm.. $50,000 5 Aggregate Product Recall Deductible $500 5 8. Unintentional Failure to Disclose Hazards Included 6 9. �.... Unintentional re to Notifye.�.. �............................_�..�._ �... .................eeee.... �Failure Fa'I u ...................................m..._ Included ........._— 6 This endorsement amends coverages provided under the Businessowners Coverage Form through new coverages and broader coverage grants. This coverage is subject to the provisions applicable to the Businessowners Coverage Form, except as provided below. The following changes are made to SECTION II - LIABILITY: 1. Additional Insured by Contract, Agreement or Permit The following is added to SECTION II - LIABILITY, C. Who Is An Insured: Additional Insured by Contract, Agreement or Permit a. Any persona or organization with whom you. agreed in a written contract,, written agreement or permit 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", or "personal and advertising injury`.' caused, in whole or in part„ by your acts or omissions or the acts or omissions of those acting on your behalf„ but only with respect to: (1) "Your work" for the additional insured(s) designated in the contract, agreement or permit; (2) Premises you own, rent, lease or occupy; or (3) Your maintenance, operation or use of equipment leased to you. b. The insurance afforded to such additional insured described above: (1) Only applies to the extent permitted by law; and (2) Wiil not be broader than the insurance which you are required by the contract, 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 or permit. (4) Will not be broader than coverage provided to any other Insured. (5) Does not apply if' the "bodily injury", "property damage" or "personal and advertising injury"is otherwise excluded from coverage under this Coverage Fart, including any endorsements thereto. 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 1 of 6 c. This provision does not apply: (1) Unless the written contract or written agreement was executed or permit was issued prior to the "bodily 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 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 "bodily injury", "property damage", "Personal injury" or ",advertising injury" arises out of structural alterations, new construction or demolition operations performed by or on behalf of the manager or lessor. (5) To "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or 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 "bodily injury" or "property damage" or the offense which caused the "personal and advertising injury" involved the rendering of or failure to render any professional services by or for you. 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: 4 - Hiinover Insurance Group- OEGroup- 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. 2. 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 with 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 liability for "bodily injury" or "property damage" arising out of "your products" which are distributed or sold 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 advert°ising 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; (4) Repackaging, awnless unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instruction from the manufacturer, and then repackaged in the original container; (5) Any failure to make such inspection,, 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 sale of the product; (6) Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of the product; (7) 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; (8) "Bodily injury," or "property damage" arising out of the sole negligence of the vendor for its own 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 (6) above; or (b) 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. (9) "Bodily injury" or "property damage," arising out of an "occurrence" that took place before you have signed the contract or agreement with the vendor.. (10)To any person or organizations included as an insured by another, endorsement issued by us and made part 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. The most we will pay on behalf of the vendor for a covered claim is the lesser of the amount of insurance: 1. Required by the contract or agreement 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. 3. Alienated Premises SECTION II - LIABILITY, B. Exclusions, 1. Applicable To Business Liability Coverage k. Damage to Property, paragraph (2) is replaced by the following: (2) Premises you sell„ give away or abandon, if the "property damage" arises out of any part of those premises and occurred from hazards that were known by you, or should have reasonably been known by you, at the time the property was transferred or abandoned. 4. Broad Form Property Damage - Borrowed Equipment, Customers Goods, Use of Elevators a. The following is added to SECTION II - LIABILITY, B. Exclusions, 1. Applicable To Business Liability Coverage, k. Damage to Property: Paragraph (4) does not apply to "property damage" to borrowed equipment while at a jobsite and not being used to perform operations. Paragraph (3),, (4) and (6) 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 II - LIABILITY, F. Liability and Medical Expenses Definitions: 1. "Customers goods" means property of your customer on your premises for the purpose of being: a. Worked on; or b. Used in your manufacturing process. c. The insurance afforded under this provision is excess over any other valid and collectible property insurance (including deductible) available to the insured whether primary, excess, contingent or on any other basis. 5. Incidental Malpractice - Employed Nurses, EMT's and Paramedics d. With respect to the insurance afforded to SECTION II - LIABILITY, C. Who Is An Insured, these vendors, the following is added to paragraph 2.a.(1)(d) does not apply to a nurse, SECTION II - LIABILITY, D. Liability and Medical Expense Limits of Insurance: 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 3 of 6 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 II - 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. 1"his coverage does not apply if liability coverage for "personal and advertising injury" is excluded either by the provisions of the Coverage Form or any endorsement thereto. 4 Insurarc n Ccet� ,. CB3 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 ki 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 periodfor 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 like 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 products from any purchaser, distributor or user to the place or places designated by you; (3) Remuneration paid to your regular "employees" for necessary overtime; (4) Hiring additional persons, other than your regular "employees"; (5) Expenses incurred by "employees" including transportation and accommodations; Insures ce C�rc �P.- 0133 D8 0387 1001051 (1) If the "products - completed operations hazard" is excluded from coverage under this Coverage Part including any endorsement thereto; or (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 to Disclose Hazards (6) Expenses to rent additional warehouse or storage 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 g. required to avoid "bodily injury" or "property damage" as a result of such disposal, you incur exclusively for the purpose of recalling "your product"; and b. Your lost profit resulting from such "covered recall". f. This Product Recall Expense Coverage does not apply: The following is added to SECTION II - LIABILITY, E. Liability and Medical Expenses General Conditions: Representations We will not disclaim coverage under this Coverage Part if you fail to disclose all hazards existing as of the inception date of the policy provided such failure is not intentional. Unintentional Failure to Notify The following is added to SECTION II - LIABILITY, E. Liability and Medical Expenses General Conditions, 2. Duties in the Event of Occurrence, Offense, Claim or Suit: Your rights afforded under this Coverage Part shall not be prejudiced if you fail to give us notice of an "occurrence", offense, claim or "suit", 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. 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission, Page 6 of 6 Insured: RHA Landscape Inc. Policy Number: oo3o820aar ~ nce over PolicyEffective: 2/3/2024 PolicyExpiration: � nn�c/a/zoa� `~--� �3��2D��7 "rou-001051 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ |TCAREFULLY. AVENUES BUSINESSOWNERS DELUXE PLATINUM ARCHITECTS AND ENGINEERS PROGRAM BROADENING ENDORSEMENT This endorsement modifies insurance provided under the following: BUS|NESSOVVNERSCOVERAGE FORM BUS|NESSOVVNERSLIABILITY SPECIAL BROADENING ENDORSEMENT The following ioadded to GECTION|-PROPERTY: The limits applicable to the coverages included in this endorsement may either be in addition to or included within the applicabile Limit of Insurance. For application of the limits, refer to each coverage within this endorsement. Words or phrases in quotation marks 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 Bumimemmowvne,a Coverage Form through now coverages and nup|uoa coverage grants. These coverages are subject tothe 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 u part of, or if more than one coverage under this endorsement opp|ieo, inthe event ofloss ordamage, you may choose only one ofthese coverages toapply tothat loss. The most we will pay in this omae is the limit of insurance applying to the coverage you select. Coverages included in this endorsement apply either separately tneach described premises or on an 000urnonoa basis. Refer to each coverage within this endorsement for application ofcoverage. We provide no coverage for Business Income; Extended Business |mcome� Extra Expense, or Business Income and Extra Expense from Dependant Properties for any of the Coverages hmo|udad as part of this endorsement unless upooifiou||y atated, and then only to the extent provided for within that Scheduled or Blanket Coverage provision. COVERAGES Scheduled Coverages Limit 1. Accounts Receivable On Premises $250,000 __!!a 3 Accounts Receivable Off Premises $250,000 ... ........ b'a—c—kup or Overflow of a Sewer, Drain or Sump Included 3 3. Brands and Labels I Included 3 5. Business Income and Extra Expense - Dependent Properties $100,000 4 6. Transit Business Income and Extra Expense $50,000 5 8. Civil Authority 24 hour waiting period 5 9. Computer Equipment Included Computer Equipment In Transit or Off Premises $100,000 6 Computer Equipment - Newly Acquired or Constructed Property $100,000 . ....... . . 10. Computer and Funds Transfer Fraud $10,000 6 11. Consequential Loss to Stock Included 6 13. Denial of Access to Premises 30 Days; 72 Hour Waiting Period 6 115. Employee Theft Including ERISA Compliance $50,000 7 3914448 08 16 Includes oopvnnmou material or Insurance aerwmm offioo. Inc., with its ponniuomn. Page 1 of17 16. Expediting Expenses $25,000 ............... 7 17. Extended Business c _. _.......... In ome 90 Days 7 18. Fine Arts (IncludingArchitectural Models) $100,000 _.......... 8 ...... 19 ...._Forgery or Alteration... ,. _.. __ $50,000 ...... ...... 8 Hired Auto Physical.._D.. ................ ...m. u_..._.._ .... .......m _ ._.......� 20........ - Damage $50,000 8 ...... �- . 21. Identity Theft Expense Reimbursement . . �� . $15,000 .............. 9 22. Interruption of Computer Operations On Premises $500,000 10 Interruption of Computer Operations Off Premises ...................-............................._, w..........................._.� $25,000/$50,000 23.....M.arring and Scratching Included 11 r�� Money ..... _. 24. and Securities Inside thee Premises $25,000 11��' Money and Securities Outside Premises $25,000 . 25. Money Orders and Counterfeit Money $25,000 11 and Extra 26. NewlyAcquired �or Constructed Pro e'rt -BusinessIncreased $500,000 11 ense Ex mmmmmmmmmmm mmmmmmmmmmmmm m- mmmmmmm mmmm�mm 27. Ordinance or Law Demolition Cost Coverage and n creased Cost of $25,000 11 Construction - 28. Ordinance or Law Increased Period of T _.... - Restoration � $50,000 11 ..�................. 29. Ordinance or Law (Tenants Improvement Extension) _ ..._. _...... $25,000 12 _................ Property12 $25,000 w......... _vrwX ...... .....12 31. mPersdonal Effects � _W.. 000 mmm � � 000 _ .. ' Coverage Worldwide I 32. Portable Electronic Devices . .........rag $10,000 12 _ 33. Precious Metal Theft Pa s ment Changes y g ITITITITIT$25,000 13 ......�. 34. Preservation of Property - Expense $25,000 13 _.._._ .......__. _ _.. 35. Personal Property in Transit Included 13 _. �. ___.... _....._ ........� 36. Sales Representative Samples .............. $25,000 13 ................._... 37. Temporary Relocation of Property erty .... $50,000 13 _..........� _ ........._ 38. Tenant Signs Included 14 39. Utility Services Direct Damage (Including Overhead Transmission Lines) $25,000 14 Business Income (Including Overhead Transmission Lines) _.� $25,000 ............... _..... _. _. 40. Valuable Papers and Records (Other Than Electronic Data) On $100,000 Premises Valuable Papers and Records (Other Than Electronic Data) Off $100,000 14 Premises 41 Worldwide PropertyOff Premises ...... ..... ....... is .. .........._ _ ............. $50,000 14 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 2 of 17 4 rn� Hnover Innssurance Group_ OB3 D820387 1001051 SECTION 11 -LIABILITY Changes .................. Limit Pam. 1. Additional Insured by Contract, Agreement or Permit - Amended Included 15 ............. 2 ional Insured by Contract, Agreement or Permit - Additional Primary and Included 15 Non-ddi contributo n 3. ce (Per Project) Insurance Aggregate Limit of I 16 4. ..... g Limit Rented to You - Revised Dama a to Premises Rented -_-� 0,000 � $1000,000 16 w.-.............. 5. Limits of Insurance .__................. .. ..._ .........� - Medical l s Expense, .- ......... $10 000 per person 16 ._ ............... 6. mAwn ..__.......... Newly Acquired or Formed Organizations ... d..m......._.._...m- 180 Days 17 7 . 7 Non-Od Watercraft Non -Owned ee �17 75 Ft .-�m_____ �. 8. , 6�.._..... ...................� � ................ m. Who Is An Insured - Unnamed Joint Venture Included 17 II. DEDUCTIBLES 1 We will pay for direct physical loss or Deductibles are subject to the provisions dar"nage to Covered Property at the applicable to the Businessowners Coverage described premises, solely caused by Form except as provided below. We will not or resulting from water or waterborne pay for covered loss or damage in any one material carried or moved by water occurrence unless the amount of loss or that backs up or overflows or is damage exceeds the applicable Deductible otherwise discharged from a sewer, amount. We will then pay the amount of loss drain, sump, sump pump or related or damage in excess of the Deductible up to equipment. The term drain includes a the applicable Limit of Insurance. roof drain and its related fixtures. III. COVERED PROPERTY (2) For the purpose of this Additional Scheduled Coverages Coverage only, SECTION PROPERTY, B. Exclusions, g. Water, 1. Accounts Receivable paragraph (3) is deleted. SECTION I - PROPERTY, A. Coverage, 6. (3) Payment under this Additional Coverage Extensions, f. Accounts Coverage is included within the Receivable, paragraphs (2) and (3) are applicable Limit of insurance for replaced by the following: Covered Property at a premises (2) We will pay under this Coverage described in the Declarations. This Extension for loss or damage in any Additional Coverage does not one occurrence at the described increase the Limits of Insurance. premises. The most we will pay is (4) Special Sewer Backup Exclusion $250,0010 for accounts receivable at We will not pay for: the described premises, unless a higher Limit of Insurance for accounts (a) Loss or damage from water or receivable is shown in the Additional other materials that back-up or Property Coverage Schedule. overflow from any sewer or drain, (3) We will pay under this Coverage sump, sump pump or related equipment when it is caused by or Extension for loss or damage in any results from any "flood", one occurrence not at the described regardless of the proximity of the premises. The most we will pay is back-up or overflow to the flood" $250,000 for accounts receivable not condition; or at the described premises. 2. Backup or Overflow of a Sewer, Drain or (b) Failure to keep a sump pump or Sump its related equipment in proper working condition; or The following is added to SECTION I - (c) Failure to perform routine PROPERTY, A. Coverage, 5. Additional maintenance or repair necessary Coverages: to keep a sewer or drain free from Backup or Overflow of a Sewer, Drain or obstructions. Sump 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 labelis d'arnaged 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) Craver 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 hour's basis. If you choose thiis 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 any 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 Ste: Insurar1 4' Cr Grp„, CB8 D820 87 1001051 Extra Expense means necessary Business Income from Websites 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 ""operations" caused by direct incurred if there had been no direct physical loss or damage to physical loss or damage to the property that you depend on for premises of any dependent property web site and communications caused by or resulting from a services" from a Covered Cause of Covered Cause of Loss: Loss. (1) To avoid or minimize the (2) We will not pay for any loss of ""suspension" of business and to Business Income you incur during continue '"operations"; or the first 12 hours that immediately (2) To minimize the "suspension" of follows 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 loss to the extent (3) The most we will pay for the actual you can return "operations" to loss of Business Income and normal and discontinue such necessary and reasonable Extra Extra Expense. Expense in any one occurrence (3) Paragraph (2) of this Additional under this Additional Coverage is $50,000 and only for the 7-day Coverage is replaced by the period immediately following the following: Covered Cause of Loss. (2) The most we will pay under (4) Coverage does 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 is at least 1,000 feet away from the affected. premises of the vendor that 6. Transit Business Income and Extra provides "web site and Expense communications services".. The following is added to SECTION I - (5) "Web Site and Communication PROPERTY, A. Coverage, 5. Additional Services" means: Coverages: (a) Internet access, e-mail„ web Transit Business Income and Extra hosting, value added network. Expense services and application (1) We will pay the actual loss of software services at the Business Income you sustain and premises of others; or necessary and reasonable Extra (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 "in described premises. transit' caused by or resulting from a b. This Additional Coverage is not subject Covered Cause of Loss. to SECTION I - PROPERTY, C. Limits of (2) SECTION I - PROPERTY, B. Insurance. Exclusions, paragraphs 1.I5 Earth, 8. Civil Authority Mover'nent and 1,g Water do not apply to this Additional Coverage: SECTION I - PROPERTY, A. Coverage, 5. (3) The most we will pay for loss in any Additional Coverages, I. Civil Authority, paragraph (2) is replaced by the following: one occurrence under this Additional Coverage is $50,000. (2) Civil Authority Coverage for Business (4) The amount payable under this Income will begin 24 hours after the time of the first action of civil authority Additional Coverage is additional that prohibits, access to the described insurance. premises and will end: 7. Business Income from Websites (a) Four consecutive weeks after the a. The following is added to SECTION I - time of that action; or PROPERTY, A. Coverage, 5. Additional (b) When your Civil Authority Coverage Coverages: for Business Income ends; 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 5 of 17 whichever is |utac (1) You may extend the insurance, that Q. Computer Equipment U to your Business Personal ~Property to apply to the reduction in SECTION | ' PROPERTY. A. Coverage, 5. value of the, remaining parts of '^mLoch" Additional Coverages, r. Computer in process of manufacture that are Equipment, paragraph (G) is replaced by physically undamaged but are the following: unmarketable as a complete product (G) Regardless of the number of insured because of direct physical |ooe or locations involved, the most we will dam�agefrom a C�overadCause ofLoss pay for |oaa or amage under this - to other parts of covered "stock"' in Additional Coverage in any one process of manufacture at an insured occurrence is the applicable Limit of location. Insurance for Covered Property atthe (2) Should it be determined that such premises described in the "atock" retains only a salvage vn|uo. Declarations. . we retain the option of paying the full The most we will pay for |ooa or value of the ^otumk" 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 C8 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. prenniseu is $108.800. 12. Contract Pmno|t|ma The most we will pay for |oaa or damage under this Additional The following is added to SECTION | - to property described in PROPERTY, A. Coverage, 5' AdditionalCoverage paragraphs (1) and (2) above in any Coverages: one occurrence for property that you Contract Penalties newly acquire is $180,0M (1) We will pay for contract penalties you With respect to newly acquired are required to pay due to your failure propertyunder this Additional to provide your product or service overaa. coverage will end when any according to ontmact terms because of ufthe following occurs: direct physical |oma or damage by a (a) The policy axpireu Covered Cause of Loss to Covered ' Property.(b) 180 days after you acquire the propa�y|iul�din(1)(o'd)� (2) The most we will pay for all penalties inany one occurrence io 25.000. (o) Younepo�va|uootoun� (3) The amount payable under this The most we will pay for Extra Additional Coverage in additional Expense is $5.000 or the amount insurance. shown in the Additional Property 13 Denial ofAccess tmPremises Coverage Schedule in any one ' occurrence. The following is added to SECTION | ' This Additional Coverage in not PROPERTY, A. Coverage, 5. Additional subject to SECTION | ' pROpERTY.C. Coverages: Limits ofInsurance. Denial mfAccess toPremises 10' Computer and Funds Transfer Fraud (1) We will pay for the actual |oua of SECTION | 'PR0PERTY' Coverage, 5 Business Income you sustain and necessary Extra Expense you imcur Additional Coverages, hh. Computer and Funds Transfer Fraud, paragraph (3) is when ingress to or �gmasa from the replaced by�hefo||owing� described premises is prevented,due to direct phyo|om| }omm of or damage to (3) The most we will pay per occurrence property that is away from but °xkhln under this Additional Coverage is 2000 feet of the described premises, $10.000 unless u higher Limit of caused by or resulting from any Insurance ioshown in the Schedule of Covered Cause ofLoss covered under Amended Limits ofInsurance. this policy. 11. Consequential Loss bnStock (3) The coverage for Business Income will The following is added to SECTION | - begin 72 hours after the |mmm or PROPERTY, A. Coverage, G. Coverage damage to the premises that causes Extensions: the denial of auoeaa and will apply for Consequential Loss toStock 391 -1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 6 of 17 a period of up to 30 consecutive days after coverage begins. (3) The coverage for Extra Expense will begin immediately after the loss or damage to the premises that causes the denial of access and will end:. (a) 30 consecutive days after coverage begins; or (b) When your Business Income coverage ends; whichever is earlier. (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 Vandalism SECTION I - 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 "hardware" or ,.software" in any one occurrence under this Additional Coverage is $5,000. The most we pay for all covered losses to computer "hardware" or "software" 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 boss or damage sustained in any one policy year, regardless of the number of occurrences of loss or darnage or the number of premises, locations or computer systems involved, is $100,000, unless a higher Limit of Insurance is shown in the Declarations. If loss payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent loss or damage sustained in, but not after, that policy year. With respect to an ocoUrrence which begins in one policy year and continues or results in additional loss or damage in a subsequent policy year(s), all loss or damage is deemed to be sustained in the policy year in which the occurrence began. 15. Employee Theft Including ERISA Compliance SECTION I - PROPERTY, A. Coverage, 5. Additional Coverages, p. Employee Theft Including ERISA, paragraph (6), is replaced by the following: the ' r insurance Group., 0133 D8 0337 1001051 (6) The most we will pay for all loss resulting directly from 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 I - PROPERTY, A. Coverage, 5. Additional Coverages: Expediting Expenses (1) When a Covered Cause of Loss occurs to Cowered Property, we will pay for the reasonable and necessary additional expenses you incur to: (a) Make temporary repairs; (b) Expedite permanent repair or replacement of damaged property; or (c) Provide training on replacement machines or equipment. (2) The most we will pay for loss under this Additional Coverage in any one occurrence is $25„000. (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 (ii) and (b) ExtendedBusiness Income - Rental Value, paragraph (ii) are replaced by the following: (a) Extended Business Income - Other Than Rental Value (ii) Ends on the earlier of: 1) The date you could restore your operations, with reasonable speed, to the level which would generate the business income amount that would have existed if no direct physical loss or damage had occurred; or 2) 90 consecutive days after the date determined In (2)(a)(i) above. (b) Extended Business Income - Rental Value (ii) Ends on the earlier of: 1) The date you could restore tenant occupancy, with reasonable speed, to the level which would generate the "Rental Value" that would have 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 7 of 17 existed if no direct (ii) The covered "auto's" overturn. physical loss or damage had (b) Collision coverage occurred; or 2) 90 consecutive days after the 's" collision (i) The covered with another object; or date determined In (2)(b)(i) above. (ii) The covered "auto's" overturn. 18. Fine Arts (2) For the purpose of this Additional a. SECTION I - PROPERTY, A. Coverage, Coverage only, SECTION I - PROPERTY' A. Coverage„ 2. Property 6. Coverage Extensions, x. Fine Arts, Not Covered, paragraph a. is replaced paragraph (3) is replaced by the by the following: following: a. Aircraft, automobiles, motortrucks (3) The most we will pay for loss and other vehicles subject to motor under this Additional Coverage is vehicle registration and: $100,000 per occurrence regardless of the number of (1) Any "auto" as described in locations or buildings involved. paragraph (1) above„ while b. For the purpose of this Additional used in any professional or organized racing or demolition Coverage„ SECTION I - PROPERTY'„ O. contest or stunting activity, or Property Definitions, 21. "Fine Arts"' is while practicing for such replaced by the following: contest or activity; 21. "Fine Arts" means architectural (2) Tapes, records, discs or other models, paintings„ etchings, similar audio, visual or data pictures„ tapestries, raire art glass, electronic devices designed for art glass windows, valuable rugs«, use with audio, visual or data statuary„ sculptures, antique electronic equipment; furniture "'antique" jewelry, bric-a-brac, porcelains, and (3) Any device designed or used to similar property of rarity, historical detect siee rneasuring value, or artistic merit. equipment such, as radar or 19. Forgery or Alteration lammin datectoa artus intended ts and any g SECTION 1 - PROPERTY, A. Coverage, 5. elude orpp disrupt speed Additional Coverages, k. Forgery or measurement equipment; or Alteration, paragraph (5) is replaced by (4) Any electronic equipment the following: without regard to whether this (5) The most we will pay for any loss, equipment is permanently including legal expenses, under this installed, that receives or Additional Coverage is $50,000. transmits audio, visual or data 20. Hired Auto - Physical Damage signals and that is not designed solely for the The followingis added to SECTION I - reproduction of sound. PROPERTY, A. Coverage, 5. Additional Coverages: (3) For the purpose of Ibis Additional Coverage only, SECTION I Physical Damage Coverage Hired Auto - Ph Y 9 9 PROPERTY; B. Exclusions does not (1) We will pay for loss to an "auto you apply with the exception of the or an "employee"„ at; your direction„ following exclusions: lease„ hire or rent without a driver for (a) 1.d. Nuclear Hazard; a period of 30 days or less for the purpose of conducting customary (b) 1.f. War and Military Action operations for your business. This For the purpose of this Additional does not include any "auto" you lease, Coverage only, the following hire or rent from any of your exclusions are added to SECTION I - "employees" or members of their PROPERTY, B. Exclusions: households. 1. We will not pay for loss to a We will pay for loss to a covered covered "auto" caused by or "auto" or its equipment caused by: resulting from someone causing (a) Comprehensive coverage you to voluntarily part with the "auto" by trick or scheme or under From any cause except: false pretenses; or (i) The covered "auto's" collision with another object, 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, O. 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 !"Vt"' Insurrracc a.r ntrP- C8 1G+820387 100,1051 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 cred''it grantors or credit agencies; (ii) Costs of certified mail to law 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 long 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 professonial 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 one policy year, regardless of the number of "Identity Thefts" involved' i Coverage, "identity theft" rneans: 15,000 unless a Nigher 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 under this Additional coverage, you "insured person" with the intent to must send to us, within 60 days after commit, or to aid or abet another our request, receipts, bills or other to commit, any unlawful activity records that support your claim for that constitutes a violation of "expenses" under "identity theft" Federal law or a felony under any coverage. applicable state or local law; and 22• Interruption of Computer Operations (c) "Insured person" means: (i) For soproprietorships: proprietorships: The SECTION I -PROPERTY, A. Coverage, 5. Additional Coverages, ee. Interruption of individual who is the sole Computer Operations, paragraph (3) is proprietor the Named replaced by the following: Insured shown in the Declarations; (3) The most we will pay under this (ii) Fair partnerships: Any Additional Coverage - Interruption of Computer Operations for all loss individual that is a partner of sustained and expense incurred in any the Named Insured shown in one policy year regardless of the the Declarations; 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�"�� f of 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 (il) Any person aiding or abetting interruption which begins in one policy year and continues or an "insured person"; or results in additional 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 incurred in the policy year in which collusion with others; or the interruption began. (b) Loss other than "expenses". (b) $25,000 in any one occurrence for Account balances which arise out of fraudulent or unauthorized interruptions covered under charges would be one example of paragraphs (1) and (2) above for loss of a Covered loss other than "expenses". arising out 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 occurring away from the described premises during each separate 12 month period of this policy. 23. Marring and Scratching The following is added to SECTION I - PROPERTY, A. Coverage, 6. Coverage Extensions: Marring and Scratching (1) You may extend the insurance that applies to Business Personal Property to apply to damage caused directly by sudden and accidental marring and scratching of: (a) Your "stock"; (b) Your printing plates; or (c) Property of others that is in your care, custody or control. (2) This Coverage Extension does not apply to: (a) Property at other than the described premises; or (b) Personal Property in transit. (3) Payment under this Coverage Extension is included within Limit of Insurance applicable to your Business Personal Property. 24. Money and Securities SECTION I - PROPERTY, A. Coverage, S. Additional Coverages, s. Money and Securities, paragraph (5) is replaced by the following: (5) The most we will pay for loss in any one occurrence is: (a) $25,000 or the amount shown in the Additional Property Coverage Schedule Inside the Premises for "money" and "securities" while: (i) In or on the described premises; or (ii) Within a bank or savings institution in the coverage territory; and (b) $25,000 or the amount shown in the Additional Property Coverage Schedule Outside the Premises for "money" and "securities" while at any other location listed in (1) above and while in the coverage territory. 25. Money Orders and Counterfeit Money SECTION I - PROPERTY, A. Coverage, 5. Additional Coverages, j. Money Orders r Insur('�r'1:Ct' (i LCk9.iP... 0133 D820387 1001051 and Counterfeit Money, paragraph (3) is replaced by the following: (3) The most we will pay for any loss under this Additional Coverage is $25,000. 26. Newly Acquired or Constructed Property - Business Income and Extra Expense SECTION I - PROPERTY, A. Coverage, 6. Coverage Extensions, a. Newly Acquired or Constructed Property, paragraph (3) is replaced by the following: (3) Business Income and Extra Expense You may extend the insurance that applies to Business Income and Extra Expense to apply to property at any location you acquire The most we will pay for loss or damage under this Extension is $500,000 at: each premises. 27. Ordinance or Law - Demolition Cost and Increased Cost of Construction SECTION I - PROPERTY, A. Coverage, 5. Additional Coverages, I. Ordinance or Law, (5) Loss Payment, paragraph (d) is replaced by the following: (d) The rnost we will pay for the total of all covered losses for Demolition Cost and Increased Cost of Construction for each building described in the Declarations is $25,000 or the amount shown in the Additional Property Schedule. If a damaged building(s) is covered under a Blanket Limit of Insurance and the Blanket Limit of Insurance applies to more than one building or item of property, then the most we will under this Additional Coverage, for each building, is $25,0100, or the amount shown in the Additional Property Coverage Schedule. 28. Ordinance or Law - Increased Period of Restoration a. The following is added to SECTION I - PROPERTY, A. Coverage, 5. Additional Coverages, I. Ordinance or Law, paragraph (4) Coverage: If a Covered Cause of Loss occurs to property at the premises described in the Declarations, coverage is extended to include the amount of actual and necessary loss you sustain during the increased period of "suspension"' of "operations" caused by or resulting from the enforcement of any ordinance or law that: (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 thetearing down ufparts of any property not damaged by a Covered Cause ofLoss; and (o) Is in force at the time ufloss. Ho#eVer, coverage is not extended under this endorsement to include )OSS ooused by or resulting from the enforcement of any ordinance or law which requires: (d) The demolition, repair, mmp|aoament, recmnatnuction, remodeling or nanmediadam of property due to contamination by "pollutants" or due to the presence, growth, proliferation, spread or any activity of "fungi", wet mrdry rot orbacteria; mr (m) Any insured or others to tout for, monitor, clean up, remove, oontuin, treat, detoxify or nautra|ize, or in any way respond to, or assess the effects of '.pollutants", "fungi", wet or dry rut or bacteria. b. The following is, added to SECTION | ' PROPERTY, A. Coverage 5. Additional Coverages, 1. Ordinance or Law, (5) Loss Payment, penagnspb(c): The most we will pay for |oua under Increased Period of Restoration in any one occurrence is $50.008 for each described building shown in the Declarations orthe amount shown in the Additional Property Coverage Schedule. if a damaged bui|d|n�g(e) is covered on a blanket Limit of Insurance which applies to more than one building or |tmnn of property, then the most we will pay for Increased Period of Restoration for each described building in any one occurrence iu$50.Q08. 39. Ordinance or Law (Tenant's Improvement Extension) a. The following is added to SECTION | ' PROPERTY, A. Coverage, 5. Additional Coverages, |. Ordinance or Law, paragraph (4)Coverage: Coverage provided under paragraphs (a), (b) and (o) above applies to tenant's improvements and betterments but only if a Limit of Insurance ioshown inthe Declarations for Business Personal Property. Business Personal Property must be insured onoreplacement cost basis. This extension is provisional and ex0000 to any other valid insurance for tenant's improvements and betterments whether collectible or not. b. The following is added toSECTION | ' PROPERTY, A. Coverage, 5. Additional Cowe�� | Ordinance or Lew, (5) Loss Payment, paragraph (c): Regardless ufthe number oflocations 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.O0U. 30.Outdoor Property SECTION Coverage, 8 Coverage Extensions, c. Outdoor Property, parag:raph (3) is replaced by the following: (3) Regardless of the number mfdescribed pnmm|mem involved, the most we will pay for loss or damage mnder this Extension, including debris removal expense, is $25.UU0.but not more than $1.00Ofor any one tree, shrub orplant. 31. Personal Effects SECTION 6. Coverage Extensions, d. Personal Effects, paragraph (3) is replaced by the following: (3) The most we will pay for |ouu or damage under this Extension ia $75.000 ateach described premises. 32. Portable Electronic Devices Coverage VVor|dvv|dm The fo|\nvv|ng is added to SECTION | ' PROPERTY, A. CowmmmQm, 5. Additional Coverages: Portable Electronic Omviome Coverage Worldwide (1) VVewill 1pay for loss or damage caused bymrresulting from e Covered Cause of Loss to pmheb|e electronic devices while anywhere in the world, including while "in transit". (2) For thepurpose of this Additional Coverage, the following is added to SECTION | ' PROPERTY, G. Property Definitions: Portable electronic devices includes laptops, tablets, aders smartphones or other lightweight, hand-held orwearable devices capable of storing, retrieving and processing data. (3) This coverage is provided when the property is owned byyou orowned by others when in your or your "�mnployees"^ care, custody mrcontrol, subject to SECTION V~PROPERTY, E. 391-1448 08 16 includes copyrighted material of insurance Services Office, Inc., with its permission. Page 12 of 17 p'�ttr r Imurancv Group.. 013 D82035e 1001051 Property Loss Conditions, 5. Loss (1) $10,000 for furs, fur garments and Payment, paragraph d.(3)(). garments trimmed with fur. (4) We will not pay for loss or darnag to (2) $'10„000 for jewelry, watches, watch portable electronic devices when movements, jewels, pearls, caused by, resulting from, or arising precious and semi-precious stones. out of "theft" or uliexplained loss This limit does not apply to jewelry when the property is checked and watches worth $250 or less per baggage with a carrier for transit. item. (5) The provisions for a Business Income (3) $25,000 for bullion, gold, silver, loss will be governed by the terms of platinum and other precious alloys SECTION I - PROPERTY, A. Coverage, or metals. 5. Additional Coverages, f. Business 34. Preservation of Property - Expense Income except: The following is added to SECTION I - a There is no requirement that a () q PROPERTY, A. Coverage, 5. Additional loss occur within 1,000 feet or at Coverages: the described premises as stated in paragraph (1)(a); and Preservation of Property - Expense (b) The following are not included under this Additional Coverage: (1) If it is necessary to move Covered Property from the described premises to preserve it from loss or damage by (i) Continuing normal operating a Covered Cause of Loss, we will pay incurred, expenses incurred, including your expenses to move or store the "payroll ex P Covered Property. (ii) Extended Business Income. (2) This coverage applies for 90 days after (6) The provisions for Extra Expense loss the property is first moved, but does will be governed by the terms of not extend past the date on which this SECTION I - PROPERTY, A. Coverage, policy expires. 5. Additional Coverages, g. Extra (3) The most we will pay under this Expense except: Additional Coverage is $25,000. (a) There is no requirement that a This Additional Coverage is an additional loss occur within 1,000 feet or at amount of insurance. the described premises as stated in paragraph g.(1) and g.(2). 35. Personal Property in Transit (7) Limitations, item b. does not apply to SECTION I - PROPERTY, A. Coverage, 6. this Additional Coverage, Coverage Extensions, i. Personal Property in Transit, paragraph (5) is replaced by the 8 SECTION Ii - PROPERTY B. () following:' Exclusions, 5. Business Income and (Extra Expense Exclusions, paragraph (5) Payment under this Coverage (4) does not apply to this Additional Extension is included within the Limit of Coverage. Insurance applicable to your Business Personal Property (9) Regardless of the number of lost or damaged portable electronic devices, 36. Sales Representative Samples the most we will pay per occurrence SECTION I - PROPERTY, 5. Additional including actual loss of Business Coverages, y. Sales Representative Income you sustain and necessary Samples, paragraph (3) is replaced by the Extra Expense you incur,. is $10„000. following: (10)The amount payable under this (3) The most we will pay for any loss or Additional Coverage is additional damage under this Additional insurance. Coverage is $25,000. 33. Precious Metal Theft Payment Changes 37. Temporary Relocation of Property SECTION I - PROPERTY, A. Coverage, 4. The following is added to SECTION I - Limitations, paragraph c. is replaced by PROPERTY, A. Coverage, 5. Additional the following: Coverages: c. For loss or damage by "theft", the Temporary Relocation of Property foliowing types of property are covered only up to the limits shown: 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 13 of 17 (1) We will pay for loss of or damage to, below. Covered Property from a Covered We will only pay for loss you Cause of Loss while it is away from sustain after the first 24 hours the described premises, if it is being following the direct physical loss or stored 'temporarily at a location you do damage to the property described not own, lease or operate while the above. described premises is being renovated The most we will pay for loss in or remodeled. any one occurrence under this (2) This coverage applies for 90 days 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 in Uran e shown in the policy expires. Additional Property Coverage (3) The most we will pay under this Schedule. Additional Coverage is $50,000. b. SECTION I - PROPERTY, A. Coverage, (4) The amount payable under this 5. Additional Coverages, bb. Utility Services, paragraph (4) is deleted. Additional Coverage is additional insurance. 40. Valuable Papers and Records (Other Than 38. Tenant Signs Electronic Data) SECTION I - PROPERTY, A. Coverage, 5. SECTION I - PROPERTY, A. Coverage, 6. Additional Coverages, t. Tenant Signs, Coverage Extensions, e. Valuable Papers paragraph (4) is replaced by the following: and Records (Other Than Electronic Data), paragraphs (2) and (3) are replaced by the (4) The most we will pay for boss or following: damage in any one occurrence is the Limit of Insurance for Business (2) The most we will pay under this Personal Property shown in the Coverage Extension for loss or Declarations. damage to "valuable papers and records" in any one occurrence at the 39. Utility Services (Including Overhead described premises is $100,000. Transmission Lines) (3) The most we will pay under this a. SECTION I - PROPERTY, A. Coverage, Coverage Extension for loss or 5. Additional Coverages, bb. Utility " damage to valuable papers and Services, paragraphs (1) and (2) are records" in any one occurrence not at replaced b the following: P Y g: the described premises is $100,000. (1) We will pay for loss of or damage 41. Worldwide Property Off Premises to Covered Property caused by an interruption in service to the The following is added to SECTION I - descr'ibed premises. The PROPERTY, A. Coverage, 6. Coverage interruption must result from direct Extensions: physical loss or damage by a Worldwide Property Off -Premises Covered Cause of Loss to property not on the described premises that (1) You may extend the insurance that he services shown in provides t he applies to your Business Personal Property and Personal Property of paragraph below. Others to apply to that property while The most we will pay for loss in it is temporarily outside the coverage any one occurrence under this territory if it is: Additional Coverage is $25,000 at (a) Temporarily at a location you do each described premises or the Limit of Insurance shown in the not own, lease or operate; Additional Property Coverage (b) Temporarily on display or exhibit Schedule. at any fair, trade show or (2) We will pay for the actual loss of exhibition; Business Income you sustain and (c) Samples of your "stock" in trade in necessary Extra Expense you incur the custody of your sales caused by the interruption of representatives; or service at the described premises. (d) While "in transit' between the The interruption must result from described premises and a location direct physical loss or damage by described in (a), (b) or (c) above, a Covered Cause of Loss to property not on the described (2) The most we will pay for loss or premises that provides the damage under this Extension is services shown in paragraph (3) $50,000. 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 14 Of 17 (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 a'ctivitles. 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„ employlent, 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 und'er 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 E�inover lra uranca Group., 0133 D820387 1001051 Non -Contributory If you agree in a written contract, written agreelrrent 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 extent not subject to Exclusion g. of SECTION II - LIABILITY. B. Exclusions, 1. Applicable to Business Liability Coverage. (v) That is insurance available to you for your particiatlon in any past or present 'unnamed joint venture". (vi) That is any insurance you may have that provides coverage for your professional services. (b) When this insurance is excess, we will have no duty to defend the insured against any "suit" if any other insurer has a duty to defend the insured against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. (c) When this insurance is excess over other Insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (i) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (ii) The total of all deductible and self -insured amounts under all that other insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. (3) Method of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach, each insurer contributes equal amounts until, it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does riot 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 totalapplicable limits of insurance of all insurers. b, For the purposes of coverage provided under this endorsement, the following definition is added to SECTION II - LIABILITY, F. Liability and Medical Expense 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 a hair salon. b. That joint venture is not. 3. Aggregate Limit of Insurance (Per Project) a. For purposes of the coverage provided by this endorsement„ thefollowing is gadded to SECTION II - LIABILITY, D. Liability and Medical Expenses Limits: The General Aggregate L'imlt under D. Liability and Medical Expenses Limits of Insurance applies separately to each of "your projects" or each location listed in the Declarations. b. For purposes of the coverage provided by this endorsement, the following definition is added to SECTION II - LIABILITY, F. Liability And Medical Expenses Definitions: "Your project" means: a. Any premises, site or location at, on, or in which "your work" is not yet completed; and b. Does not include any location listed in the Declarations. 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 ""pproperty damage" to any one premises, wA e rented to you or while temporarily occupied by you with perl-nission 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 pay for all medical expenses because of "bodily in ury"" sustained by any one person is 10,000 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 AL a The nover insurance Group_ OB3 D820387 1001051 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 "unnamedjoint 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 coo -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 8/21/2023 Policy No. SWC1449782 Endorsement No. 0 Insured RHA Landscape Architects -Planners, Inc. Premium $ Insurance Company Security National Insurance Company Countersigned by WC 04 03 06 (Ed. 04-84)