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PROOF OF INSURANCE (2025 - 2025) CLOSEDD EN OV-2 QE
FDATE (MMIDDNYYY)
CERTIFICATE OF LIABILITY INSURANCE 0611312024
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED
REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed.
If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on
this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).
PRODUCER P�I CT Cummins Insurance Agency
License # OC42488 WC No m.
Cummins Insurance Agency, Inc. 916-961-6000 PHON Cu 11 .. _..m FAX
_.. 961-6000 � 916-961-3046
4401 Hazel Avenue, Suite 110 SS
Fair Oaks, CA 95628 DI
A
Cummins Insurance Agency INWREf3JSLAFFORDING COVERAGE-., ..... .,,�I/lIC N
INSURER A :Lloyds..of....Lo„n.do.�
085202........._�
.... .�............... ..................
.................... .m...m _ �
INSURERB Nationwide Mutual nce Co
a.....
23787
,INSURED
St Novo Planning Group
Steve IUICiWluftry
_.__ _. ^.µ^
INSURERC; Hartford Casualty Ins Co
29424
1020 Suncast Lane,. #106
StarStone Specialty Ins. Co.
44776
El Dorado Hills, CA 95762
INSURER D : ����......____.
-LNSURERE:ArCh Specialty Ins. Co.
INSURER F ;.
A""n1AC C1 A're f°`C0'TICIf'AT= 11,12IIkA1=0- Idl I16PIPIZIP-
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD
INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
_.—._ """"""-..
INSR ADDL SUB POLICY EFF POLICY EXP
-TYPE OF INSURANCE I SD POLICY NUMBER - POLICY
LTR YY YYY� LIMITS
A
X
COMMERCIAL 11 GENERAL LIABILITY
E6�C4-I (yCCl1RRFY�ICF
�; 2,000,000
M
CLAIMSMADE �X � OCCt. R
X
X
PSM0039941132
1412912024
1412912025
�.55'
X
waiver
P D� E I �'�'� ner��" ........
0d)0
�
X
..._.................
Primary/Non-Contr
I>� PSONAI..9, ADV INJURY$
2,000,000
4,000,000
I l am Ai PI IF P.r
NPO
AGjC LR-un,FE
$
X
ICR-C;ArL
F�r�•
IT
PRnL Cr
2 000,000
Ben.
2,000,000,
4CbAfrH?R
I
JEmp
�
B
AUTOMOBILE LIABILITY
01`46M I rllpfi iF:I-IMIF
1000,000
,
X ANY AIF0
X
X
ACP BA 30-3-8668630
03/15/2024
03/15/2025
����u��Lah���g� �'�),.r�
wwwwwwwwwwww,.,W......,m,m,m,
Q:DU`JNE SCHEDULED AJ!
V 1�MI R`f IPE:U t .L(aen f
$
m..,
_...._ AE:)AV-S VE1
ONLY LIICONLY
PGhlhAJC
....... � ,....
$
D
UMBRELLA LIAB X OC(::LIFd
AC4Y C7C CI RRFYdCF
$ 1,000,000
X
EXCESS LIAB CLAIMS .MADE
X
X
CSX00090224P01
04/29/2024
04/29/2025
AGGREGATE
$ 1,000,000
C
WORKERS COMPENSATION
AND EMPLOYERS' LIABILITY
7X]. 61FR C7Y4d
X
57WECZ03688
04129l2024
0412912025
EXCLiil�R/E�CI FIVE �.f �
N 1 A
�A��C
�
W ER/Mi E ABER I -
1,000,000
CEL ^ { A EMPLOYEE
ID yes flesciPibe, under
1m....._.'..........000000
,
¢�1ESCRIRTIC)N C,rp-..r. PFRATIONS, kl0ow
E _ DISEASE POLICY I_IMI F
$
A
Professional Lia
PSM0039941132
04129/2024
04f2912025
2,000,000
A
Pollution
PSM0039941132
04/29/2024
04/29/2025
�E&O
2,000,000
DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, maybe attached if more space is required)
r0'0"ri Mr A"rC Unt Ir^a C'SA P"".dA'AI'I-CI I ATInKI
ELSEG-1
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
ACCORDANCE WITH THE POLICY PROVISIONS.
City of El Segungo
Public Works Dept.
350 Main Street
AUTHORIZEDREPRESENTATIVE
El Segundo, CA 90245
ACORD 25 (2016103) © 1988-2015 ACORD CORPORATION. All rights reserved.
The ACORD name and logo are registered marks of ACORD
pwr
l C t C
INSURING CLAUSE 1: PROFESSIONAL LIABILITY
ALL SECTIONS COMBINED
Aggregate limit of liability: USD2,000,000 in the aggregate
SECTION A: ERRORS AND OMISSIONS
Limit of liability: USD2,000,000 each and every claim, including costs and
expenses
Deductible: USD2,500 each and every claim, including costs and
expenses
SECTION B: BREACH OF CONTRACT
Limit of liability: USD2,000,000
Deductible:
USD2,500
SECTION C: SUB -CONTRACTOR VICARIOUS LIABILITY
each and every claim, including costs and
expenses
each and every claim, including costs and
expenses
Limit of liability:
USD2,000,000
each and every claim, including costs and
expenses
Deductible:
USD2,500
each and every claim, including costs and
expenses
SECTION D: CONTINGENT BODILY INJURY AND PROPERTY DAMAGE LIABILITY
Limit of liability:
USD2,000,000
each and every claim, including costs and
expenses
Deductible:
USD2,500
each and every claim, including costs and
expenses
SECTION E: INTELLECTUAL
PROPERTY RIGHTS INFRINGEMENT
Limit of liability:
USD2,000,000
each and every claim, including costs and
expenses
Deductible:
USD2,500
each and every claim, including costs and
expenses
SECTION F: POLLUTION LIABILITY
Limit of liability: USD2,000,000
Deductible:
USD2,500
SECTION G: REGULATORY COSTS AND FINES
Limit of liability: USD2,000,000
Deductible: USD2,500
each and every claim, including costs and
expenses
each and every claim, including costs and
expenses
each and every claim, including costs and
expenses
each and every claim, including costs and
expenses
We Oil not exemNe any rights of recoveq/ agairmt any empl Unless this Is iri respect (,-)f
any froudulant or d3hanest was or onnissions as proven by frial adjudicatiorn arbitral tribunal
or written admision by the emplloy,
My recoveries will be appNed az follows;
a, towards any recovery expenses lnr�.,drred by LAS:
K th011 try US LIP tO the arnount of our oayment under this Policy, inclu(Jing co�5ts and
expenses';
then to yoU as rec,(.-wery ofymjrd"Iuctibie
SOW an ontity c"(mse,, bbe * Ubt,!lidiiry nftor the mot�pflwelAtes_ covor in r(-,,��'poeft of tho
entity will cm,itinug as If it was still a subsidiary (During the period of -the poIllicy, but only in
respect of an act, erroq on'lission or event occurring phor to the diate that it ceased to be a
,5ubnip diarly,
,20' Procoeafor rpoyiina-
,A,ny PrWaqy notIcation transmitted by you or on your behalf rnusL be clone with
r5rlejr writton ccmnamt We vAH anture that motMcabon is compHant vAth mmy logAl or
regulatory rRquIrRrnents an(-] contractual obl[gation& No offer Must be made for hnan6al
incenti'veg g1t, couponA vnedA or 5ertm unN-,,5,s wO Quir prlc�r vvrlCten con5ent vyhlch YvIll
orgy be oroAded Ifthe offer is the risk of ha"n
WA will rut Est he li�hlp, finr nriv rvnrflt-m r,sf the cogtA Im lnr!ur ririrlor MR) SING �71-AilJSE 2
(SECTFlOPq C (.,)r,iQ) that @=Oed the COM tha: YOU Would irtcurrred hae.J you galriod Our
prior written consent. In the absence of our prior written consent %we 011 only loe halole to cagy
you the equivalent cost of a notificaWn Made Lusln(,� the ry--iost cost eRecOve Means
perrrflsslble under the governIng law,
21, %A(MVP r Of r4,U .:%rog.afiem
monwhenridin minjornom "in, wo ngroo U'� wniVO LA?' bf nLg nin�,,t arty third
parry if, prior to tho c.:1RIrn or, incidont which Skmj reasonably expocted to givre riso to a clkxalrri,
you entered into a convict that contains a pgovhl(.an requiring you to do this,
22, Choke of Maw, juhi";;cflctiQry and of �,wft
&I tho event or a you =1� u* n gars:Jin�;� thl,� Nlk;y, thi,- dl,tspute will
govwnmd by the I mws cK the St= 0 thm UnIt9d St A as, eif A, th o, e)f 10w
s't8tp,rJ in the Declamunns Page, We ai'..4ree' at your rpt-,juest, 'LO SUbrnit )ur[sa.Jictlon c)ta
courtaf competeritjuris(:�intion vd&dn the United States of Arnerica,
Notrin In M Cundition conattum or 5h(� uld be under.,5uodd t(.� Qon,,�tltute a waiver of our
r[�41-its to ori actIon In any cowt of competent jul1sclMor-i In tl"-ie Uri[ted, States (,-4
bnwmm V=
0 k� CfC
VA
issued In reHance upon that inbrmation. The misre-preser-itation or' r'iori-diFSC1C)SLA('e of any
matter rendarthis PahcynUl anal Wd and rellevounfrnm all kalmill-ty
under Its Policy,
S, CmhuAVan of busiroass lintarruFxtion lor4es
Folloydry an hoemugdon to your business aNAM covereci under INSURIING ClAUSES 2
(SECT10N Pori ly) or 6,YOU must provide us with your ca I cu I n6:m of the (:>ss, inc I u(Jing:
a, h(,,-,svv the ciss has been umlauksteirl and wh�mt sis,urnr-,)tir.,wis have be&tan rnadc"�?: ar
A supportino docurnents including account stabiAments, salei� prqj96;;t[on,,,,n,, and lnvolm,.-,u,
6, Cancellartion
Ws Policy may becanceled vAth 30 days"Otten noCce byeither ymGar us.
If you give us notice of cancellation, the return premium will be in propordon to the number
of day thatthe PaHey is in effect. However, Tyau have mrisde a claim ur,w,,,Ivpr this Pk�,sIicythere
will be no return premlium,
If Vve r[(�kc;tv of ConmIlAurq ruetuni pre rrillmil will hew In Pra�pt'drt[vn U) U"[o rfunluur
of dzayrs that Policy I!:, in e=ffect.
We also reserve the UK of cancGlat[cin in the, event that anv an,iounl: (JUP-' to us bv you
rprripins unpaici more than days beyond the inception (late, If we exercise this right of
cancellaMon It VWH take eNect Sum '14, GJay,,5 @Mor the, rat o the written m;Wce of Banc ellatirdn Is
KWU
The PolicyAcr-ribistadon rGaYS be demmac fully emm.,d upon incop6on orthe P(,-)llc--y.
7, Cor-rainerdall propelty aMOUnt insured re(instaternent
In respect of INSURING CLAUSE 5, [ri the elver"t, that the'm arnouro, hnsur(�,d is partially reducemd or
tOtMHY SAMMY due to the maymont of a clalm as a reaWt of darnRge to ywAr prernises or
cmAents, U ie arnount insured 011 be auU,,.)r,na-.IcaIly reiristated, provided;
a, we do riot give you mmitten noWe YAWn 30 Mys of the nadf cation of darnage stating
otho rwi-sG;
b, whnre the arnount of loss, riot of the appRable deducKA, exceeds $20,000 you pay
an addlional xwfarniuvi,i advised i,).v us;
c, ym agree to any Wer Wk manegerneril. rW;iUestWj UY u*.
81, Corvitlinuour, mm,,ir
Ira respect of INSUPING CLAL)SES I and 4 (SECT10N r only), if d, ur[mg the poriod of a previous
renewal of this Policy you rieglected, throLgh error or oversight only, to repc)rt to us an
KnUdent that rnight give rise to a clairn, then provided you have r-naintained uninterrurxed
in5urance of die Smue type Y&I us shce Woly Of the Fneyouzren�\�Val of 0-0* Polky, WC VVIII
V4
L Mut you irmx-gia cllo In t;ha,;,;vrznt vf- a daIlirv-) area cyt;c-r undd, cm -it
If any senior execu-Uve officer becornes amore of any incident whicin rnay reasonably be
expened to givo- rise to a clairr uru..Jer this Policyyou must:
notify U-Pe cllaIlms managers as as is reasonably c�f c'yber
Incident% a talephans call to nuir cyber Incident remponme Wllne will constitute
rmligatiorl, i-l(�jm UA ramillumlon nnmt be ri(;o- late�r U'iai'r Ll"re virr(.1 of arly
applicablo ex&,-mded rc;-,�porVng period;
On [in respect of INSL)PIING CLAUSES 2 (SECT"ION D only), 3 �tmd 5, r( p(,.)ft the, theft or
inc: dent as soon as I reasonably onct.icablka to the apprc: priat�v law ranforcernont
aur,hontles iind r,,arovkJp. us wIth a copyof As report on our requeM and
tP riot admA ISM116; for vr „tittle vr make or prmhe any payn cif, arry Qq*ts 4wd
ampainmer w1hout our milor YmAtan agramrme4rit (rAlhlch will ln�,-� umrmmsomnls-sly
vahhmm)
In respect of IINSO,. RIING <'.:,LAUSES I and A. (SECTION F only), if you notify an incident that we
a q roe Q ro a Go n;i1oly oxpoctcid tog No rig o to a ch%, we will �c—;,pt any clJnim thQt. o',jt of
the Incident as being rmtMed under ANs Polly,
WP rt,�,ci u I re,-'�,YC5U to P ri.nv[ d a f U I dem I 15: of t h6.,� i nc I ta!l r�nt, in cl ua!l I mg In ut nr,-Et I I rn
a, the tore, P18CP M wit;
On thierriaririerina&ichyoqjf[rGtbecar-y-ierLivvar(Dcafthi!:;ir-ICI(jr�,rit;
r- the reasr.m.9 why YOU believe that thus inmdent cmdd Uive rise to a dmrn under Ms
PO ICY;
d, the identlyr),fthe g,,xAamt!iml cdP.i[rnF4r7t; mrled
a an rMation so to the eme of the claim that c(,,)u I d rv6ult frorn Lhi@, inciden1t,
In respect of INSURIING CLAUSES 2 and 3, if Inau discover a caber evvnit yoii,,i may only incur
coos Mllvout ot..iir pricur writtxan consent with n the fir t 72 hours following the discovery and
any Md on cr)!;ts inc!urrmcd miust be vvlh a cnmr�sny fnrming r),srt mfthn approved c1laims
pariall providlers, All cxhwr coms rr-iay only be incuumd vvith the ralw vvQM@n consent of thFa
Mms rnana�,,Oqtrrz (Milch will not be unrea,;�onal;.Ay vvltliheld),
2., Addftlior)W insuireds
We will lndernrufy any thitird parq, as an @ddPQon@I insured um.-Jer this Pohc,-,-.y, but only In
res[,:xect (.-.)r sums vvhich they becume legally ubliged to pay for claimants'
costs armd expensey as 0 mmwt of a 49041 Kong Soo, out of an yoq,i,
provIded that;
Mmnvmmvv'a
CtIC
a. you contmwed in writing to In(.,Jery-inify the thlird party for 0-ie cllallrvi prior to it first
beirig rr,inda ogaimii-t them'; emJ
b, had th a AS been rned a a W a Irmt you, V-ier"i you wou I c! be entitled to [ndernnity under
AS POUCY,
Defore am indornril-Py any n(.-JdItAnaHnswed they rnu�,t!
a. pRwe to Usth at' the ccllairrii arose soleyout of an act commVtted byY09 and
A QIQ cornply wit'In CONDITION'las if they werrayou,
Whiew we h iderrvAry a Mid pony as an MIAMI lmiuros-.J ur i(Jur Polk;y, IJ il, Pulk-,�y will L)ld
prWary and non vuntributiz,ary to :lhfz� Wird party,,a 'a ,wn inuranco, but onu only Ir yoon4.,) Lh o thlIrdl
rt,% ,/ h*vr.--s g.-sntorgd M a con,"act that containt a rwaviNon roqWring thR,
Wlherr.,., a thlird porW is coated as an additional inSUr(,-ic-J as a resWt of this Condition, any cllaim
maa.-Je by that fl-Od party againstymi will bra treatrad by us as if they w9re a 'third pmrty and riot,
a,, an in, wrvd.
W"o have- thc.- right @n(J c.-Juty to take, (,-,on(-.roI or and condu(-..,t in your nary-ic.a the, rove,,5tlga6on,
motina,mont or downse of any cinint We vAH not have any cwty to pay com ancl expenses for
any pap or to ciawn tri@t is not covereo ray tails P.(.aIicy.
Ybu may ask the Alms rnarag ers to conNer appointinW your own lawyer to defer"J the
Wairri on your Wolf orii;J tl-io cllainrijs vinaringens, nimy Wirmnt 3mawr raqwest if they corialder your
AnWor iA SUItAbly (-�Uallf A by eNPOOMCI Wng hyto Acamms tM '-.ulbjocft r��iatU� r (e,�f dlllrhl,
and th(,.-� cost to prov[(Jrn ,n
M QH andeavor tt settle any cAz&n thr(.)ugh r-nedIciti(:)n (,,)r si.,)rne (-Ahrar
altemaUve d0pute reoinkalon and WII pay fan your behalf thp arriouni. vyc-ro Qqrz,(with LN,,
Clairmont If we cann,�,�� %qq MH pay
Halde to pay mitherin or through arbiralcm proceadingn, rubjert to the ilirriltaf lllaMill fty.
we will not settle any cllalni VW&WUt YOUr corisp-rit If you rOfU��';e tc,,.) provido your corisent to a
setUsirnent recon-irriended by us and elect to continue legal proceedings in connection with
th- rApim, any furthen- =W5 wid vxpema lnnuri-�d will pad key ygq, A�5 iA (if
>45ur refusal, our HAKINI, for We allaW MH rnt be rnwe them the mwic��umt For whic-'Ih the CiOM"11
emAd have been MCA risci yrnlo r.,nna,,,Pnt*r,1, any costs and inci-irroc-I orior to the
a ate or your retusm,
4. AppHcatlion warranty
You agree that aH statements mQdo by you in the appIlavion fi,;�rrn, ncludng any renewal
applicatl(:)rl ft')rr'n, ar.i(J arty suppAernental materials you riave supplie(,J iri support of tl-ie
applicathri for insurance, are your us arll::l tk.le Is
COMMERCIAL AUTO
AC 70 05 03 16
THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY.
WNSS AUTO PROTECTION - GOLD
Thi, oridorsoment modifle, Insuranoo provided undor the following:
BUSINESS AUTO COVERAGE FORM
SUMMARY OIL COVERAGES
& ffos,t of Thk I-ndoroorno tit
B. Newly Ac qulrod or Form6d E'rlkitlo.q
C, Employees as Insureds — Nonowned Autos
D. Additional Insured by Contract, Permit or Agreement
E. Supplementary Payments — Bail Bonds
F 5upplemantary Paynnent§ — LQ§s of Larninp
H, ProjudgMentlntarost Goverago
I. r-ollow Bmployea-- Offiror, Managers and Superyieom
J. Hind AUtd Physleal DahlAgb
K. Temporary Substitute Autos — Physical Damage Coverage
L. Expanded Towing Coverage
K Auto Loan or Lease Coverage
N, Original EquipNNiont Winutewturor Ilemrtg — Lemod PriyAto Pamngv 1'ypog
0. rMdudble Amedhi6ht,4
P. Rental Reirriburnarnent Coverage
0. 5xpanded Transportation 5xpense
R. Extra Expense — Stolen Autos
8, Physical Uarnage Limit of Insurance
T, N(�w VoWpI Ppglk
11 PMY eol Damp 0rivermap Ext.prigio l
V� Trariefor of Fight* of Rwwyory Againot Othwe To U&
W. Sectlbh IV — BUSIh@t;S Aufb Cbadltibhs— Nbkd bf dhd Khbwled jd bf 06dwrehce
X. Hired Car Coverage Territory
Y, emergency lock out
Z. CaneWatloii Condition
AD 70 05 031 B Ineludes (Nopyri kited rnmtprial of Ingurmnora.SiArvirarg Of ica, Inc, Page 1 of 7
wikh Kit porry0sslon
ACP NA LPJI 1.1010 INSURED COPY A066901600 601 47 6606,16
COMMERCIAL AUTO
AC 70 05 03 15
A, EFFECT OF THIS ENDORSEMENT
Coverage provided under this policy is modified
by the pmyisions Qf tt s, endorsement. If there
is any conflict between the provisions of this
amd, �wdowrtiant s hel the pr6vlolah(s) 6f arhy otata"
spocific endorserent also a teohed to this poli-
cy, then the provlsion(s) of the state -specific
eridorsernent shall apply Instead of the provi-
sions of this endorsement that are in conflict,
but only to the extent of the conflict, and only to
the extent necessary to bring such provisions
into conformance with the state requirwyient(s)
Qgntaingd In the pwvl**Ion(*) of the 5Ao *§pQQIfIQ
endorsement,
D, H15WILY A000R,IEV OR FORMED ENTITIES
The Nafriad 11160w6d ghewn in the D66I;Aw6tl6fls Is
amended to include any organization you newly
acquire or form, other than a partnership, joint
venture, or limited liability company, and over
wl~Ilcl1 y u rti�alu `tairy twnerMship or niajorfty (ii-iore
thin Zg'1) Iritcrtmt, It lhr fro I* rig I hm- Waillor In-
surance availaue to that organization uov r ge
I.Ihd r thil proVkli6h i� of Mod UMtli the 16"
clay after you acquirenr farm the organization or
the end of the policy period, whichever is later,
C. EMPLOYEE$ AS INSUREDS — NONOWNED
AUTos
The following is added to paragraph A.1. Who Is
An 1n*yr0 Q,( UCTION 11— COVERED AVM"0
LIAhBILI't"Y COVERAGE:
d. Any "employee" Qf yo ir* i� an "inf.wrad"
while ueing a oovered "auto" you don't own,
hire or borrow in your business or your per-
sonal affairs.
D. ADDITIONAL INSURED BY CONTRACT,
PERMIT OR AGREEMENT
the following is added to A1, Who Is An In.
aumd 6f SECTION II — COVERED AUTOR
LIABILITY OVERAd 6;
Awry p6rgOh or argahi at on that you are re-
quired to name as an additional insured in a
written contract or agreement that is executed
or signcad by you prior to a "bodily injury" or
"property dainno" occurrence is an °'ir isured"
for C(Qvor 'd A& 1.1011ty HQW-
ever, with respeot to oovered "autos", suoh
pcArqom br r mni atlon Iq mm fturad only try
the, extent that person Qr oroani at"non qualifies
as an "insured" under A,1, Who is an Insured of
SECTION II — COVERED AUTOS LIABILITY
COVERAGE:
If specifically required by the written contract or
agreement referenced in the paragraph above,
any coverage provided by this endorsement to
an additional Insured shall be prlim+ary and
gny other yelld and oolle tlble Insurenoe avell-
able to the additional insured shall be non.
mritributory with this insurance. If the written
contract does not require this coverage to be
primary and the additional insured's coverage; to
be non-contributory, then this insurance will be
excess over any other valid and collectible insur-
�ng,p ava 101e, tQ the a0rlitional inswrpd,
E. SUPPLEMENTARV PAYMENTS, RAIL.
0014109
Supplementary Payments of SECTION II
COVB_REO AUTOS LIABILITY COVERAGE is
revised as follows;
(2) Up to $2,500 for cost of Dail bonds (Including
09nd* tsar rplatW trofil laur ul9JoJ;1 rn§)
required heu u @ of an "accident" we cov®r,
Wo do n0f I^lava to furn10 thego b6mriq..
F, SUPPLEMENTARY PAYMENTS m- L033 OF
EARNINGS
Supplementary Payments of the SECTION II —
COVERED AUTOS LIABILITY COVERAGE is
revised as follows,
(4) All reasonable expenses inuwlrred by the "in.
gurad" Pt our rar UO(I,t, including mctual IaQq
of oorhlhgo w l� to $600 * doy, boodd ioo of
time riff from work.
G. PERSONAL EFFECTS AND PROPERTY OF
OTHERS EXTENSION
1. The. Care, Custody or Control Exclusion of
WPTIQN 11 — PPV�KD AQTQ
IJAB,1IN,ITY GOVERACPF-, does not apply to
"proporty dsmage" in prapo ty, nther than+
yowr pwopoy, op ko Am omowrit hot 4u000, d-
ing 0200 in arty unra "MGGident Govertage
is excess over arty rstller valid and Collectible
insurance.
2. The following paragraph is added to A.Q.
Coverage Extensions of SECTION III —
PH"Y,514At, DAIVIAPE� OQVRRAP�;
c. We will pmy r.ip in q900,Far yraur pr sp rtV
thole io loot or dam ood oo 0 roo jlt of
oovtrad 10e5", vvi-Ghout applying a de-
ductible. coverage is eyegr's over Any
other valid and collectible insurance.
Pa0a 2 of 7 Inc^ludag copyrighted rnateriml of Insi.irmnr^a Serviops Office, Inc... AC 70 05 0316
with its p0rry llolon
lI,C P N:IA N PJ1 lldl§ INS0'i' tO Cdlsy' AC76 901400 601 47 06036SO
H. PREJUDGMENT INTEREST COVERAGE
The following paragraph is added to SECTION II
COVERED AUTOS LIABILITY COVERAGE,
QQverago xtenslon,, a" Supplementary
Payments:
(7) Prejudgrrlont interest awarded against the
"Insured" on that pert of the Judgment we
pay. If we make an offer to pay the appli-
cable limit of insurance, we will not pay
any prejudgment interest based on that
period of time after the offer.
i, N= LLQW EMPLOYCE — IC FFIPP9116p
MANAGERS, AND SUPIRVISORS
The Follow I inployao Ercwim6ican in OLOTION 11
COVERED AUT06 LIABILITY COVERAGE Is
roolaoed pis f6ll6ws;
A. "Bodily injury" to any fellow "employee" of
the "insured" arising out of and in the course
of the fellow "employee's" employment or
while la rfdrminq dwtie§ rel t0d to the Qon-
durwt of your businssR, This syclusinn does
hot 16ply f6 tan "IfturOd" wl o 668upl ;d
p �iti n a* on 9ffioer, rnon r, ar fowp ryli
Chore
J. Hlkb AUTO PHYSICAL DAMAdE!
If covered "auto" designation symbols 1 or 8 ap-
ply to Liability Coverage and If at least one "'au-
W"' You own is, q9yQM0 dry 014 poly for rrl-
prehen5ive, 6peoffied Owses of Loss, or Qolllm
§imn c v rid , than tho Phyairn.ml Barman
Qoyerafap§ provided are exionded tea "Pufos" yQw
lease, hire, rent or, borrow without a driver; and
provisions in the Business Auto Coverage Form
applicable to Hired Auto physical Damage apply
up to a limit of $1QQ,RQQ, The deductible will be
equal to the largest deductible applictiabla to any
owned "sutra" for thffl a av araq& Any C9ermpr&r
h-014y d duvti l ds I� t apply is firs ,�r
ligritning,
k," TIE PORARY 11LIAST11TUTIE AUT09 mm
PHYSICAL DAMAGE COVERAGE
The following is added to paragraph C. Certain
Trailers, Mobile Equipment And Temporary
Substitute Autos of SECTION I ". COVERED
AUTOS.,
If Rhyeioel IJem@ge Goversge is provided by
thii Cov rmgo Form, tho W16Wno typos mf
vehicles aro also ooverad ",-avi sW" for Physi-
cal Damage Coverage:
Any "auto" you do not own while used with
the permission of its owner as a temporary
AC 70 05 03 °I6
COMMERCIAL AUTO
AC 70 05 03 16
substitute for a covered "auto" you own that
is out of service because of its;
a. Breakdown;
b. Repair:
c" feryloing;
d. "Lots"; or
e. Destruction
The coverage that applies is the same as
the coverage provided for the vehicle being
replaced.
L, 95(PAND 10 "TOVU'whJO rub VERA0I12
1. We will pay up to-
a. $100 for a covered "auto" you own of
the private passenger type, or
b. $500 for a covered "auto" you own that
is not of the private passengertype,
fQr, tawIng r)0 labor 1;c*§ inggrrPd oqh
time the covered "auto" is dibablW. Hawev-
er, the labor must be laerformed at th1e olace
of rllIlrrt�arlt,
2. 'This coverage applies only for an "euto'l
66V&O-d dh thit policy far C6m0rdhdh9Iva 6e
Specified Causes of loss Coverage and
QQ11iaipn Gvvc?rn9c-z.
J. Payment applies In addition to the otherwise
applig0bic amQuIlt, ref' eagh gow"F091t, yuu
have on a covered "auto",
M. AUTO LOAN OR LE.A45 COVIZRA0I9
Ire th6 6V60 df a total "16§§" t6 a 66Vee6d
"auto", we will pay any unpaid amount due
on the loan or lease, including up to a max-
imum of $600 for early termination fees or
penalties, for your covered "auto" less:
9. The SMOunt pair) under SECTION III
1514VRICAI^ DAMAG17 COVPPA0,117 6f
thin policy; and
b. Ahy"
1) Overdue lease/loan payments at the
time of the "loss";
2.) Financial penalties imposed under a
@m@o for oxr.^.essivo ua@, awbnormml
Woor owed �4,lw 0w high mlldovo;
3) 8eourity deposits not refunded by e
Wssbr
4) Casts of extended warranties, Credit
Life insurance, Health, Accident, or
Disability insurance purchased with
the lease, and
Inclr.Ides copyrightmel rnmtrariml of In@uraanc-? Servicag Off op, Inn.,
with ito permission
PaUA 3 of 7
ACC IAA. 30-34449930
COMMERCIAL AUTO
AC 70 05 03 16
5) Garry -over balances from previous
leases,
2. This oclverage anly appliaro tQ a "Ilws" whWi
is also covered under this policy for Corn.
trwohonslvo, Spodflod OIAU! 00 of toss, aN
Collision ooverago,
3. Coverage does not apply to arty unpaid
amount due on aloan for which the covered
"auto" is not the sole collateral.
N. ORIGINAL EQUIPMENT MANUFACTURER
PART$ — LCA30 PRIVATC IAA UNGER
TYKES
Under Par;agroph 0, Urnit of Int uranow ut
8EC710N III — PHY'SICAL DAMAGE
COVP-RACE, Sddtidh 4 Is added as follows,.
4. We will use new original equipment vehicle
manufacturer parts for any private passen-
ger type covered "auto" where required by
the lease agraernant whioh has a tarns of at
lasgt !SIX manths, If m now orininsl !fNLllp��
hidht v6hir„I'o MAKLIk0tivae pooPt Ig hat it) pry.,,
durjtion or diotribAign wo may uae a lika,
kind and quality raplacerrient part.
0. DEDUCTIBLI: AIINIENOMENYS
The following are added to the Deductible provi-
sion of SECTION III — PHYSICAL DAMAGE
If-ahath& p allay car e6v6r 06 f6rm that 14 hat rah
mwtornQbIl* pglipy or vov rmga form i**wW �y
this corripany appllesto the Sail'ie "sccldent", the
fdl16WIM.0 applie'.
1. If the deductible under this coverage is the
smaller (or smallest) deductible, it will be
waived:
Z If the deducatibl@ under this cLoveroicge is not
tko allar {ar #+ ll68t} dadaadtlbl , It will 444
fvdvQr ' try tho orn9mrit cf Ow oniallor for
smallest) cleductols.
If a {comprehensive or Specified (pauses of Iwoss
Coverage "loss" from one "accident" involves
two or more covered "autos", only the highest
deductible applicabl to those coverages will be
applied to the '°=ident," if the QavQf tht lo5*
is rNaver@d for those UQhiclss. This provision only
ppll#s If you aarwy 6Mpe#h4mw ivo +3r Qpocftd
mao of Igo Qy rag for th oat v hl I sb
and does not extend cuvarags to any covered
"autos" f6l' Whidh you dd rrlat ddrwy sudh
coverage.
No deductible applies to glass if the glass is re-
paired, in a manner acceptable to us, rather than
roploced,
pN RENTAL, REIMBURSEMENT COVERAGE
1, This coverage applies only to a covered "au-
to" for which Phygleal Darnage Coverage Is
provided on this policy.
2. We will pay for rental reimbursement ex-
penses incurred by you for the rental of an
,auto" because of "loss" to a covered "auto".
Paymil nt appMrii in addlitian to the Qthfflnivi§t�
applinshls amount. of Paoli navernge yeti
hove on o evorod '*M,'" N +ac;tlk�l
apply to thin coverage,
1 We Will pey ahly fat' thaw 0x00nses incurred
during the policy period beginning 24 hours
after the "loss" and ending, regardless of the
policy's expiration, with the lesser of the
following number of days:
9, Th@ nLrrmlbsr of dsvq r8giganobly
e6 julmd t6 eggle 6e eglda'd tH6 6v&.6d
OrAww" , If "lea*" i* oou*ad by theft, thin
number of daye is added to the number
of ddy§ it take§ to ladete the daverad
"auto" and return it to you.
b, The number of days shown In the
Schedule.
4, Our paymsnt is limited to the lesser of the
f6IIAW1110 4h1&AhN'.
a. Necessary send B(itU81 OXPOI1888
indurwdd.
b. $75 for any one day or for a maximum
of 30 days.
This QQvoraw dQe§ not apply While there
Are spsire or reserve "autos" mvmilgable to YOU
fzv, y6ur ap aratl6hn,
C. If "loss" results Trorn the total theft at a ©OV-
drdd "out&' of tKd prl M6 Pti§01100 typo,
we will pay under this coverage only that
amount of your rental reimbursement ex-
penses which is not already provided for un-
der SECTION III — PHYSICAL DAMAGE
GOVERAOIE QtavPrage. Uxtcn§iQn,
4, 9XIDANDIN-0 TRAN913014TATION RMPENSE
Faragraph AA.a. of SEC'f"ION III — PHYSICAL
DAMAjot' COVPRAGP 19 rdplae,,M by the, MHoW-
ing;
We will pay up to $50 per day to a maximum of
41500 for temporary transportation expense in-
curred by you because of the total theft of a
Pa0a 4 of 7 Include copyrighted mnterigl of Insurance Servicoa Office, Inn AC 70 05 0316
with its p-rr'h144100,
AC P BA 30-344494M LPJ1 IM10 INSURVIb COPY ACTOO663 400 6001 47 6603629
covered "auto" of the private passenger type.
We will only pay for those covered "autos" for
which you carry Comprehensive or Specified
Causes of Loss Coverage. We will pay for tern-
porary transportation sxpenses InQw,r d dwring
the period beginning 24 hours after, the theft and
onding, rogardloss of tho policy's expiration,
when the covered "auto" is returned to use or we
pay for its "loss".
R. EXTRA EXPENSE —STOLEN AUTOS
The following paragraph is addend to Coverage
Extensions of SECTION III — PHYSICAL
DAMAGE COVERAM
c. Wry will rdy few up t6 $1,000 f6P the OVp6hM
Qf raturning a raglan Govared "outg" tea you,
We will pay only for these covered "autos"
for which you carry Comprehensive or Spec-
ified Causes of Loss Coverage
S. PHYSICAL DAMAGE LIMIT OF INSURANCE
Under 5LGTIQN III — PHY51GAL DAMAGI
GOVERAGuE, Paramh G, Limit of InRuranoe
la r.&awl.166d by tho f611ewIMI!
G. Urnit of Insurance
1. The most we will pay for "loss" in any one
"accident" is the lesser of:
a, The actual cash value of the damaged
gr ;AgWn prQpprty P§ Pf the time of the
"loins", or
0. Tho oogt Q( repalring or replacing thio
damaged or 6tolen property,
Z W00 is the moot we will pay for "lass." in
any one "accident" to all electronic equip-
ment that reproduces, receives or transmits
audio, visual or data signals which, at the
tim, of "1�"I IS;
& kaowrrw*waliamtly Inalmllod In ew upr n the
Vwav r d ` ta" in A hQuolr78, +Mooning 91.
other I0081tion that is not normally used
by tho I'Aut " Ft"'AnulrA0ur r for the, In-
stallation of such equipment.
b. Removable from a permanently installed
housing unit as described in Paragraph
2,a, above or i5 an integral part of that
equipment; or
u, An integral girt tie( *uQh gquipm�,-riL
S, Ah ad,puMmomt, fir r;tiapmd:I0l6h mmd phy0kAI
cQndiflon will be nacho in determining actual
cash value in the event of d total "loss".
COMMERCIAL AUTO
AC 70 05 03 16
ment manufacturer or other sources in-
cluding non -original equipment manu-
facturers and
tag If a ropair (x replaQemont restlltta in tat-
ter than like kind or gtiiality, we will not
poy for tho omduht of ft het Impeovo",
mQnt,
5. If we offer to pay the actual Cash value of
the damaged or stolen property, we will
value auto advertising wraps, paint customi-
zation, and similar business related advertises
Inc modifications, In addition to the actual
oa*h velum W the, p lvp rty� A& 0dv�rtl lr)9
wraps, paint c uslomn ation, and similar
bo iho§§ r t t d dvontlslhd 01601;, tI660
will lea valued at the cost to ropl we them
with an adjustment made for depreciation
and physical condition-
T. NEW VEHICLE REPLACEMENT COST
"ihe following Is added to the Urnit: of Insurance
pr vi> i n cif ==ION III m PHY I' AI.
U ItPlA(i t; UVl:-,N L*.:
6, -rho prQvkii9n* Qf paragraph* 1, and I dQ
not apply to a oovered "auto" of the private
passenger type or a vehicle With a gross
vehicle weight rating of 20,000 pounds or
Iggs which ip q "nevy vehiel9."
In the event of a total "loss" to your new ve,•
11100 W which thl* �,Qvorpgq Ap pljo*, wo All
pay at your option;
a� 'rho variflipble "now vah1cie" purcha,oa
prioe you paid for your damaged vehi-
Ole, not including any insurance or war-
ranties purchased;
b. If it is available, the purchase price, as
negotiated by us, of a "new vehicle" of
the §wTm MOW, M9001, AN Vgw1prnol'lt
or the most similar model available, not
IrIoll.idih arty ftlwhinllwllw s, p sr s ar
aquipment not installed by the manufac-
turer or manufaoturers' dealership; or.
c. The market value of your damaged ve-
hicle, not including any fumishings,
parts, or equipment not installed by the
rManufacturar ar rVishufmatunarItt deecaldr-
O 1pa
Wo WIII not, pay W InIflA bbm 6r aot. up eras.,;
associated with Inane nr leases
As utod lei this ohdarsOi oeit, a "now
4. The cost of repairing or replacing may: vehicle" means an "auto" of which you are
a, Be based on an estimate which includes the original owner that has not been previ-
parts furnished by the original equip -
AC 70 05 0318 Includes cropyricghtmd rnrxteriol of Ineurnnct Srarvicea Office, Inc:., Peale 5 of 7
with its parmlooion
JI CP CA 36-1444000 M FJ1 23dl§ NN gulkvb COPY AC7009631400 0061 47 0663610
COMMERCIAL AUTO
AC 70 05 03 16
ously titled and which you purchased loss
a. Your obligation in the Duties in the Event
than 365 days before the date of the "loss".
of Accident, Claim, Suit or Lass Condi-
tion relative tta notlfieation requirements
U, PHYSICAL DAMA00 COVERAOIR
applies Only when the "accident" Or
EX"h"I IrIWOM
"loe%" Is known toy
Under SECTION III — PHYSICAL. DAIVIA
(1) You, if ycau are an individual;
COVERAGE, A. Coverage, Coverage Exten-
(2) A partner, If you are a partnership;
sions, b. Loss of Use Expenses is replaced by
(3) A member, if you are a limited liability
the following:
company; or
b, Doss of Use Expenses
(4) An axecwtiue off er or insuranoe
l•or Hir d Auto l'hy!sli rml Doirrioqip, W,o Will
rrlen6100r, if you ore a corporation,
pay e pon3ea for which an "insured" bo-
ba Your obligation in the, Duties In the avant
comes legally responsible to pay for loss, of
of Accident, Claim, Suit or Loss Condition
also of a vehiclo ron(od or hired without �
relative to providing us with documents
driver, under a written rental contract or
concerning a claim or "suit" will not be
agreement. We will pay for loss of use ex-
considered breached unless the breach
penses if caused by:
occurs after such claim or "suit" is known
(1) Other than Oallisiorn if the Declarations
ta;
irndiceate thot C'ompreh ansive Ceavereags
(1) You, if you are an individual;
10 PF,5vi40d f6w w%y 4'ovov,64114sutlx11i
(Z) A pditl Ili, If yidu imit a piftfb izi blilpq
(2) Specified Causes of Lass only if the
(1) A mombor, If you arc o limi#od
I)ddl,1i'dtI6h§ 1hdI6dtd that Sp6clflod
liability ocampany; or
Causes of Loss Coverage is provided
"auto";
(4) An executive officer or Ihsuralrtoe
for any covered or
manager, if you are a corporation.
(3) Collision onlyif the Declarations indicate
that Q011i§ign Qgyoragq i§ prQvilr 90 fQr
any covered "sutra,"
X, HIRI,�P (AR - (,',OVI.RA 'T RRN'TQRY
I• owover, tho nlg4t wt., will pay for ola'y
I fyi (�) of tho Ibolldy f orlod, 0oV4Vd1,q6°" &rIt0ey
pert �r�al�candltlarl r hal cad dy tits foi0wwilt� �
expenses for 1098 of use is 660 per do, y, to a
WNIMLIM df $1,600. Thtd Ifturtlhdd pmvldad
(5) AriywhL�rert thew6ddI1;A oeverod"auto" Is
by this provision is excess over any other
leased, hired, rented or borrowed without a
collectible insurance.
driverfor a period of 30 days or less; and
V. TRANSFER OF RIGHTS OF RECOVERY
Y. EMERGENCY LOCKOUT
AQAIN1l T PTHEK$ TQ W
We will reirYnburs@ you up to i$100 for roamo noble
TPw F6116WI11911 Is &dd d ter the Traltisfer Of R101,1N,
o' ense inoorredl for tho ski"yl s of i� look rrilth
Ot thOru Tq U§ vndltion;
tlr gain entry into your cover d "auto" bubj ut to
Wo. w'AIvo, ;.Amy idM 6f ro�dv&y w,� moy
fltese proalon ,
have against any person or organization to
1. Your doer key, electronic key or key entry
the extent required of you by a written con-
pad has been lost, stolen or locked in your
tract executed prior to any "accident" be-
covered "auto" and you are unable to enter
cause of payments we make for damages
Such " awto" , or
under this r.Overage form,
2. Your keyless entry device battery dies and
W. NOTICE OF AND KNOWLEDGE 0F
yqq Aro ql'1Wq tp orftr 4qgh '*W" oo o ro-
,00MR009
built,
uECTION IV — BUSSINE66 AUTO
11, 1r'"6u. koy, 6y bt k4y 66try pbd
CONDi"rIONS, Parayrapl't A is amended as
has been lost or stolen and you have
f6116M,.
changed the lock to prevent an unauthorized
entry; and
6_ NOTICE OF ANDKNOWLEDGE OF
OCCURRENCE
Pao@ 6 of 7 Irlr^ludras copyrighted material of Insairanea
8carviceq Offine, Inn AC 70 05 0316
With its porn iO4;orl,
AeP MA 30-14699430 MnFA 13010 INSUM Cary'
A076 86114db 0041 47 MOW
4. Original copies of receipts for services of a
locksmith must be provided before reim-
bursement is payable.
Z, CANCELLATION CONDITION
Paragraph Al of the COMMON POLICY
CONDITION — CANCELLATION applies
except as follows"
COMMERCIAL AUTO
AC 70 05 03 16
If we cancel for any reason other than non-
payment of premium, we will mail or deliver
to the First Named Insured written notice of
cancellation at least 60 days before the ef-
fective date of eaneell tion, This provision
does not apply in these states that require
more than 60 days prier motice of aoncella-
tion.
AC 70 05 0318 InnItirl R copyriohltad rnmtrwlal of Inguram SArvic^,8!4 Odic a., Inc;,,
Ah b po"itsiom
ACP IAA 30.3494000 I FJ1 M610 MUM COPY AC16603106 6661
Page 7 of 7
47 b6OS641
THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY,
WAIVER OF OUR RIGHT TO RECOVER FROM
OTHERS ENDORSEMENT-CALIFORNIA
Policy Number: 57 WEC Z03688 Endorsement Number,
F-f etivo Dato: 04/29/24 Effective hour Is the �arr+e at; stated on the Information Page of the policy,
Named Insured and Address: DE NOVO PLANNING GROUP, INC.
1020 SUNCAST LN uTE 106
EL DORADO HILLS CA 95762
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 organiziAtion named in the $ahedule, (7his agreement applles only to tho extent that you
perform work under a written contract that requires you to obtain this agreement from us,)
You mint maihtaih payroll records acouratoly segrogating the remuneration of your employees while ehgeged 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
blot► Description
Any person or organization for whom you are required by written contract or agreement to obtain this waiver of rights from
us
Countersigned by
Authorized Representative
Form WC 04 03 06 (1) printed in U.S.A.
Process Date: 03/20/24 Policy Expiration Date: 04/29/25