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PROOF OF INSURANCE (2025 - 2026)Policy Number. P100.087.007.5 Date Entered: 02 / 0 6 / 2 025 "1 CERTIFICATE OF LIABILITY INSURANCE DATE (M MIDO/YYVY) 2/6/2025 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 CONTACT NAME .. Solomon Insurance Agency PHONE (;310)414-9409 FAX (310) 4149327 tlA,_:wvN 880 Apollo Street Eli L I ¢ - ......... ...,, Suite 335 ADORU S, -'. .-.. S _____ _ �....NG . .E ............... ......,�,..,........,... .._- RNAIL # INSURER(S) AFFORDING COVERAGE Hiscox Insurance Company Inc INSURER A El Segundo, CA 90245 INSURED KNB Consulting, LLC INSURER IS C/o Kristen Bergevin INSURER C: INSURER D: 1142 S Holt Ave #3 INSURER E : INSURER F � s Angeles, CA 90035 Los AGE - CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THETERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. _IN_S_ LTR TYPE OF INSURANCE IN5Q MR POLICY NUMBER L •.F'F MMIOD/YYYV POLIO' X M/ODlYVyY LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2,000,000 dAG I� PRrMiSE-^"r �.Ea ocw,ancia� $ 100,000 CLAIMS -MADE OCCUR P100.087.007.5 '02/05/2025 02/05/2026 MED EXP (Any one person) S 5,000 PERSONAL & ADV INJURY $ 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 PRODUCTS-COMP/oPaGG $ 2,000,000 POLICY JEOO LOC JECI OTHER: :OMBINEO S114GLE LIMIT ('Ea $ AUTOMOBILE LIABILITY aGckt09r BODILY INJURY (Per person) $ ANY AUTO OWNED SCHEDULED BODILY INJURY (Per accident) $ AUTOS ONLY AUTOS HIRED • NON -OWNED � $ AUTOS ONLY AUTOS ONLY P'r,r oacrduont' $ UMBRELLA LIAB OCCUR EACH OCCURRENCE S AGGREGATE $ 'EXCESS LIAB CLAIMS -MADE CEO RETENTION $ $ WORKERS COMPENSATION ER O H ' STATUTE ER AND EMPLOYERS'LIABILITY YIN ANY PROPRIETOR/PARTNER/EXECUTIVE E,L. EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? (Mandatory in NH) NIA E L DISEASE - EA EMPLOYEE $ E.L. DISEASE - POLICY LIMIT S If yes, describe under DESCRIPTION OF OPERATIONS below A Professional P100.085.370.5 02/05/2025 02/05/2026 Aggregate $1,000,000 Liability DESCRIPTION OF OPERATIONS / LOCATIONS I VEHICLES (ACORD 101. Additional Remarks Schedule, maybe attached if more space is required) 1`M0TICIf`ATC uni nr-P CANCELLATION City of El Segundo 350 Main St El Segundo, CA 90245 ACORD 25 (2016/03) SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXR RATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE n 1988-21115 The ACORD name and logo are registered marks of ACORD N. All rights Am H ISCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) eiricourage, t' ouira t; - 104 South Michigan Avenue, Suite 600, Chicago, Illinois 60603 Commercial General Liability Declarations In return for the payment of the premium, and subject to all the terms of this Policy, we agree with you to provide the insurance as stated in this Policy. Declaration effective from: February 5, 2025 Policy No.: Renewal of: P100.087.007.5 P100.087.007.4 Named Insured: KNB Consulting LLC 1142 S Holt Ave Address: 3 Los Angeles, CA 90035 Email Address: February To: 5, 2025 February 5, 2026 Policy period: From.;: At 12:01 A.M. (Standard Time) at the address shown above. Form of Business: Each Occurrence Limit: Damage to Premises Rented to You Limit: Medical Expense Limit: Personal & Advertising Injury Limit: General Aggregate Limit: Products/Completed Operations Aggregate Limit: Supplemental Business Personal Property Floater Coverage Limit: Limited Liability Company $2,000,000 $100,000 Any one premises $5,000 Any one person ......... .... .... $0 Any one person or organization $2,000,000 Products -completed operations are subject to the General Aggregate Limit Supplemental Business Personal Property Floater Not Applicable Coverage Deductible: All Premises You Own, Rent or Occupy Premises Number: 1 Address: 1142 S Holt Ave 3 Los Angeles, CA 90035 ............... Total Premium: 385.00 Attachments: See attached Forms and Endorsements Schedule. CGL D001 10 18 Includes copyrighted material of Insurance Services Office, Inc., with Page 1 its permission. © ISO Properties, Inc., 2000 H I SCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) C'lll coura g(:;, Cot, n,--i , 104 South Michigan Avenue, Suite 600, Chicago, Illinois 60603 IN WITNESS WHEREOF, the Insurer indicated above has caused this Policy to be signed by its President and Secretary, but this Policy shall not be effective unless also signed by the Insurer's duly authorized representative. ram President Secretary Authorized Representative CGL D001 10 18 Includes copyrighted material of Insurance Services Office, Inc., with Page 2 its permission. © ISO Properties, Inc., 2000 Am H I SCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) eincouirage courage- 104 South Michigan Avenue, Suite 600, Chicago, Illinois 60603 Forms and Endorsements Schedule Forms and Endorsements made part of this policy at time of issue CGL D001 10 18 - Commercial General Liability Declarations INT D001 01 10 - Forms and Endorsements Schedule CG 00 01 12 07 - General Liability Coverage Form CGL E5401 CW (03/10) - Definition of Employee CGL E5403 CW (03/10) - Notice Information CGL E5404 CW (03/10) - Exclusion - Personal Information CGL E5407 CW (03/10) - Exclusion - Professional Services CGL E5408 CW (03/10) - Cancellation Provision (14 Day Full Refund) CGL E5409 CW (03/10) - Right and Duty to Select Defense Counsel CGL E5421 CW (02/14) - Additional Insured - Automatic Status IL 00 17 11 98 - Common Policy Conditions IL 00 21 09 08 - Nuclear Energy Liability Exclusion Endorsement (Broad Form) CG 00 68 05 09 - Recording and Distribution of Material or Information in Violation of Law Exclusion CG 21 41 11 85 - Exclusion - Intercompany Products Suits CG 21 38 11 85 - Exclusion - Personal and Advertising Injury CGL E2221 CW (10/23) - Exclusion - Privacy and Cyber Incidents IL 02 70 09 08 - California Changes - Cancellation and Nonrenewal CG 32 34 01 05 - California Changes CGL E5581 CW (03/16) - Primary and Noncontributory - Other Insurance Condition CGL E5405 CW (03/10) - Exclusion - Damage to Primary Residence IL 09 85 12 20 - Disclosure Pursuant To Terrorism Risk Insurance Act CG 21 70 01 15 - Cap On Losses From Certified Acts Of Terrorism CG 20 26 07 04 - Additional Insured - Designated Person or Organization CGL E1954 CW (05/20) - Asbestos - Exclusion CGL E1975 CW (05/20) - Limitation of Coverage to Business Operations CG 21 32 05 09 - Communicable Disease Exclusion CGL E2227 CW (03/23) - Amended War Exclusion CGL E2225 CW (01 /23) - Cannabis Exclusion CGL E1952 CW (05/20) - Exclusion - Anti -Stacking CG 40 32 05 23 - Exclusion - PerFluoroalkyl and Polyfluoroalkyl Substances (PFAS) INT N003 CW (01/19) - Policyholder Notice Electronic Delivery INT N001 CW (01/09) - Economic And Trade Sanctions Policyholder Notice INT D001 01 10 Page 1 of 1 CAM H SCOX Policy Number: Named Insured: Endorsement Number: Endorsement Effective: P100.087.007.5 KNB Consulting LLC 16 02/05/2025 Hiscox Insurance Company Inc. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following is added to the Other Insurance Condition and supersedes any provision to the contrary: Primary And Noncontributory Insurance This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy, pro- vided: 1. you have agreed in a written contract or agreement to add such additional insured to a policy providing the type of coverage af- forded by this policy; and 2. you have agreed in a written contract or agreement with such additional insured that this insurance would be primary and would not seek contribution from any other insur- ance available to the additional insured. CGL E5581 CW (03/16) Includes copyrighted material of Page 1 of 1 Insurance Services Office, Inc., with its permission H 1'', SCOT: Policy Number: Named Insured: Endorsement Number: Endorsement Effective P100.087.007.5 KNB Consulting LLC 7 02/05/2025 Hiscox Insurance Company Inc. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - AUTOMATIC STATUS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Section II — Who Is An Insured is amended to include as an additional insured any per- son(s) or organization(s) for whom you are performing operations or leasing a premises when you and such person(s) or organiza- tion(s) have agreed in writing in a contract or agreement that such person(s) or organiza- tion(s) be added as an additional insured on your policy. Such person or organization is an additional insured only with respect to lia- bility 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: 1. In the performance of your ongoing opera- tions; or 2. In connection with your premises owned by or rented to you. A person's or organization's status as an addi- tional insured under this endorsement ends when your operations or lease agreement for that additional insured are completed. CGL E5421 CW (02/14) Includes copyrighted material of Insurance Services Office, Inc., with its Page 1 of 1 permission. Hiscox Insurance Company Inc. Policy Number: Named Insured: Endorsement Number: Endorsement Effective P 100.087.007.5 KNB Consulting LLC 13 02/05/2025 Am HISC: THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - PRIVACY AND CYBER INCIDENTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART (3) denial of service or delay, disruption„ impair - Paragraph 2. Exclusions under Section I — COV- ment", failure, or outage of any part of a com- p'uter system or network, regardless of ERAGE A — BODILY INJURY AND PROPERTY whether the insured controls or owns the DAMAGE LIABILITY, COVERAGE B — PERSONAL computer system or network; AND ADVERTISING INJURY LIABILITY, and COV- ERAGE C — MEDICAL PAYMENTS is amended to (4) unauthorized or unlawful access to any elec- include the following exclusion: tronic data or any part of a computer system or network, including through the 'transmis- sion of any malicious code, such as a com- Privacy, Biometrics, and Cyber Incidents puter virus„ worm„ logic bomb„ malware, spy - "Bodily injury", "property damage" or "personal and ware, Trojan horse„ or other fraudulent or un- authorized computer code, regardless of advertising injury" based upon or arising out of any whether the insured controls or owns the actual or alleged: computer system or network; or (1) unauthorized or improper acquisition, ac- cess, use, disclosure, collection, possession, (5) threat, hoax, trick, or demand relating to sub - handling, storage, dissemination, destruc- parts (1) through (4) above. tion, capture, sale, purchase, or retention of, or failure to protect or safeguard any non- This exclusion will apply even if the claim alleges neg- public personally identifiable information, bio- ligence or other wrongdoing in the: metric identifiers, biometric data, biometric in- formation, confidential and sensitive infor- (a) failure to prevent any cyber incident listed in sub- mation, genetic information, or confidential parks (1) through (4) of this exclusion or any resulting corporate information; t„ rrr ert damage", "bodily injury', or "personal and p p Y g',' Y'11 d (2) violation of any federal, state, local, or foreign advertising injury"; or privacy law, biometric information law, con- (b) failure to report any cyber incident listed in sub- sumer data protection law, or any common parts (1) through (4) of this exclusion to the authori- law governing, relating to, or protecting ties. against the use, collection, or disclosure of any information about a person or any con- duct, data, or information described in sub- part (1) above, including but not limited to the Illinois Biometric Information Privacy Act (BIPA) and the California Consumer Privacy Act (CCPA); CGL E2221 CW (10/23) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 1 Vito II I SCOX Policy Number: P100.087.007.5 Named Insured: KNB Consulting LLC Endorsement Number: 14 Endorsement Effective: 02/05/2025 Hiscox Insurance Company Inc. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES - CANCELLATION I AND NONRENEWAL This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation Com- mon Policy Condition are replaced by the follow- ing: 2. All Policies In Effect For 60 Days Or Less If this policy has been in effect for 60 days or less, and is not a renewal of a policy we have previously issued, we may cancel this policy by mailing, or delivering to the first Named. Insured at the mailing address shown in the policy and to the producer of record, advance written no- tice of cancellation, stating the reason for can- cellation, at least: a. 10 days before the effective date of cancel- lation if we cancel for: (1) Nonpayment of premium; or (2) Discovery of fraud by: (a) Any insured or his or her representa- tive in obtaining this insurance; or (b) You or your representative in pur- suing a claim under this policy. b. 30 days before the effective date of cancel- lation if we cancel for any other reason. 3. All Policies In Effect For More Than 60 Days a. If this policy has been in effect for more than 60 days, or is a renewal of a policy we issued, we may cancel this policy only upon the occurrence, after the effective date of the policy, of one or more of the following: (1) Nonpayment of premium, including payment due on a prior policy we issued and due during the current policy term covering the same risks. (2) Discovery of fraud or material misrepre- sentation by: (a) Any insured or his or her representa- tive in obtaining this insurance; or (b) You or your representative in pur- suing a claim under this policy. (3) A judgment by a court or an administra- tive tribunal that you have violated a California or Federal law, having as one of its necessary elements an act which materially increases any of the risks in- sured against. IL 02 70 09 08 © ISO Properties, Inc., 2007 Page 1 of 4 (4) Discovery of willful or grossly negligent acts or omissions, or of any violations of state laws or regulations establishing safety standards, by you or your repre- sentative, which materially increase any of the risks insured against. (5) Failure by you or your representative to implement reasonable loss control re- quirements, agreed to by you as a con- dition of policy issuance, or which were conditions precedent to our use of a par- ticular rate or rating plan, if that failure materially increases any of the risks in- sured against. (6) A determination by the Commissioner of Insurance that the: (a) Loss of, or changes in, our reinsur- ance covering all or part of the risk would threaten our financial integrity or solvency; or (b) Continuation of the policy coverage would: (i) Place us in violation of California law or the laws of the state where we are domiciled; or (ii) Threaten our solvency. (7) A change by you or your representative in the activities or property of the com- mercial or industrial enterprise, which results in a materially added, increased or changed risk, unless the added, in- creased or changed risk is included in the policy. b. We will mail or deliver advance written notice of cancellation, stating the reason for cancellation, to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, at least: (1) 10 days before the effective date of cancellation if we cancel for nonpay- ment of premium or discovery of fraud; or (2) 30 days before the effective date of cancellation if we cancel for any other reason listed in Paragraph 3.a. B. The following provision is added to the Cancella- tion Common Policy Condition: 7. Residential Property This provision applies to coverage on real property which is used predominantly for resi- dential purposes and consisting of not more than four dwelling units, and to coverage on tenants' household personal property in a resi- dential unit, if such coverage is written under one of the following: Commercial Property Coverage Part Farm Coverage Part — Farm Property — Farm Dwellings, Appurtenant Structures And House- hold Personal Property Coverage Form a. If such coverage has been in effect for 60 days or less, and is not a renewal of cover- age we previously issued, we may cancel this coverage for any reason, except as provided in b. and c. below. b. We may not cancel this policy solely be- cause the first Named Insured has: (1) Accepted an offer of earthquake cover- age; or (2) Cancelled or did not renew a policy issued by the California Earthquake Au- thority (CEA) that included an earth- quake policy premium surcharge. However, we shall cancel this policy if the first Named Insured has accepted a new or renewal policy issued by the CEA that in- cludes an earthquake policy premium sur- charge but fails to pay the earthquake poli- cy premium surcharge authorized by the CEA. c. We may not cancel such coverage solely because corrosive soil conditions exist on the premises. This Restriction (c,) applies only if coverage is subject to one of the fol- lowing, which exclude loss or damage caused by or resulting from corrosive soil conditions: (1) Capital Assets Program Coverage Form (Output Policy); (2) Commercial Property Coverage Part — Causes Of Loss — Special Form; or (3) Farm Coverage Part — Causes Of Loss Form — Farm Property, Paragraph D. Covered Causes Of Loss — Special. Page 2 of 4 © ISO Properties, Inc., 2007 IL 02 70 09 08 C. The following is added and supersedes any provi- sions to the contrary: NONRENEWAL 1. Subject to the provisions of Paragraphs C.2. and C.3. below, if we elect not to renew this policy, we will mail or deliver written notice stat- ing the reason for nonrenewal to the first Named Insured shown in the Declarations and to the producer of record, at least 60 days, but not more than 120 days, before the expiration or anniversary date. We will mail or deliver our notice to the first Named Insured, and to the producer of record, at the mailing address shown in the policy. 2. Residential Property This provision applies to coverage on real property used predominantly for residential purposes and consisting of not more than four dwelling units, and to coverage on tenants' household property contained in a residential unit„ if such coverage is written under one of the following: Capital Assets Program (Output Policy) Cover- age Part Commercial Property Coverage Part Farm Coverage Part -- Farm property — Farm Dwellings, Appurtenant Structures And House- hold Personal Property Coverage Form a. We may elect not to renew such coverage for any reason, except as provided in b., c. and d. below: b. We will not refuse to renew such coverage solely because the first Named Insured has accepted an offer of earthquake coverage. However, the following applies only to in- surers who are associate participating in- surers as established by Cal. Ins. Code Section 10089.16. We may elect not to re- new such coverage after the first Named Insured has accepted an offer of earth- quake coverage, if one or more of the fol- lowing reasons applies: (1) The nonrenewal is based on sound underwriting, principles that relate to the coverages provided by this policy and that are consistent with the approved rating plan and related documents filed with the Department of Insurance as re- quired by existing law; (2) The Commissioner of Insurance finds that the exposure to potential losses will threaten our solvency or place us in a hazardous condition. A hazardous con- dition includes, but is not limited to, a condition in which we make claims payments for losses resulting from an earthquake that occurred within the pre- ceding two years and that required a re- duction in policyholder surplus of at least 25% for payment of those claims; or (3) We have: (a) Lost or experienced a substantial reduction in the availability or scope of reinsurance coverage; or (b) Experienced a substantial increase in the premium charged for reinsur- ance coverage of our residential property insurance policies; and the Commissioner has approved a plan for the nonrenewals that is fair and equitable, and that is responsive to the changes in our reinsurance position. c. We will not refuse to renew such coverage solely because the first Named Insured has cancelled or did not renew a policy, issued by the California Earthquake Authority that included an earthquake policy premium surcharge. d. We will not refuse to renew such coverage solely because corrosive soil conditions ex- ist on the premises. This Restriction (d.) applies only if coverage is subject to one of the following, whiich exclude loss or dam- age caused by or resulting from corrosive soil conditions: (1) Capital Assets Program Coverage Form (Output Policy); (2) Commercial Property Coverage Part — Causes Of Loss — Special Form-, or (3) Farm Coverage Part — Causes Of Loss Form — Farm Property, Paragraph D. Covered Causes Of Loss — Special. 3. We are not required to send notice of nonre- newal in the following situations: a. If the transfer or renewal of a policy, without any changes in terms, conditions, or rates, is between us and a member of our insur- ance group. IL 02 70 09 08 © ISO Properties, Inc., 2007 Page 3 of 4 b. If the policy has been extended for 90 days or less, provided that notice has been given in accordance with Paragraph CA. c. If you have obtained replacement coverage, or if the first Named Insured has agreed, in writing, within 60 days of the termination of the policy, to obtain that coverage. d. If the policy is for a period of no more than 60 days and you are notified at the time of issuance that it will not be renewed. e. If the first Named Insured requests a change in the terms or conditions or risks covered by the policy within 60 days of the end of the policy period. f. If we have made a written offer to the first Named Insured, in accordance with the timeframes shown in Paragraph CA., to re- new the policy under changed terms or conditions or at an increased premium rate, when the increase exceeds 25%. Page 4 of 4 © ISO Properties, Inc., 2007 IL 02 70 09 08 640 H ISCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) encourage cCU ia-.Uge- 104 South Michigan Avenue, Suite 600, Chicago, IL 60603 (914) 273-7400 Professional Liability Errors & Omissions Insurance Declarations This is a "Claims Made and Reported" Policy in which Claim Expenses are included within the Limit of Liability unless otherwise noted. Those words (other than the words in the captions) which are printed in Boldface are defined in the Policy. Declaration Effective Date: Policy No.: Renewal of: 1. Named Insured: 2. Address: Email Address: 3.A. Limit of Liability: 3.B. 4. Deductible; 5. Notice: 6. Policy period: February 5, 2025 P 100.085.370.5 P100.085.370.4 WW_......... _ KNB Consulting LLC - ........ 1142 S Holt Ave 3 Los Angeles, CA 90035 $ 000,000 Each Claim $1,000,000 Aggregate for all Claims $500 Each Claim Phone: 866-424-8508 Email: reportaclaim@hiscox.com Mail: Hiscox 5 Concourse Parkway, Suite 2150 Attn: Direct Claims Atlanta GA, 30328 From: February 5, 2025� To: February 5, 202 At 12:01 A.M. (Standard Time) at the address shown above. 7. Retroactive Date: January 1, 2021 8. Premium: $400.00 9. Attachments: DPL D001 CW (11/19) - Professional Liability Errors & Omissions Insurance Declarations DPL P001 CW (05/13) - Professional Liability Coverage Form DPL E5424 CW (02/15) - Blanket Additional Insured Endorsement DPL E5026 CW (01/10) - Public Relations Services Endorsement DPL E5102 CA (01/10) - California Amendatory Endorsement DPL E1901 CW (08/21) - Cyber Incidents Exclusion Endorsement DPL E1919 CW (03/23) - War, Civil War, Cyberwarfare, and NCBR Exclusion Endorsement DPL E1918 CW (03/23) - Cannabis Exclusion Endorsement DPL E0003 CW (08/23) - Misappropriation of Funds Exclusion Endorsement DPL D001 CW (11119) Page 1 Am H I SCOiX HISCOX INSURANCE COMPANY INC. (A Stock Company) eiiicourage. Courage- 104 South Michigan Avenue, Suite 600, Chicago, IL 60603 (914) 273-7400 DPL E0005 CW (12/23) - Anti -Stacking Endorsement (Single Limit) INT N003 CW (01/19) - Policyholder Notice Electronic Delivery INT N001 CW (01/09) - Economic And Trade Sanctions Policyholder Notice IN WITNESS WHEREOF, the Insurer indicated above has caused this Policy to be signed by its President and Secretary, but this Policy shall not be effective unless also signed by the Insurers duly authorized representative. MR President Secretary Authorized Representative Date: February 5, 2025 DPL D001 CW (11/19) Page 2 Am H'' I SCOX Policy Number: P100.085.370.5 Named Insured: KNB Consulting LLC Endorsement Number: 1 Endorsement Effective: 02/05/2025 E5424.1 Blanket Additional Insured Endorsement JPQ Hiscox Insurance Company Inc. In consideration of the premium charged, it is understood and agreed that the Policy is amended as follows: In Clause VI. DEFINITIONS, paragraph V., "'You' or 'Your'," is amended to include the following at the end thereof: You or Your shall also include any Additional Insured but only for the Wrongful Acts of those contemplated in paragraphs 1., 2. or 3. of the definition of "'You' or 'Your"': 2. The following definition is added to Clause VI. DEFINITIONS: AI -A. Additional Insured means any person(s) or organization(s) with whom You have agreed in a written contract or agreement to add them as an additional insured to a policy providing the type of coverage afforded by this Policy, provided the contract or agreement: 1. is currently in effect or becomes effective during the Policy Period; and 2. was executed before the Professional Services from which the Claim arises were performed. 3. In Clause III. EXCLUSIONS, paragraph F. is deleted in its entirety and replaced with the following: F. brought by or on behalf of one Insured against another Insured; provided, however, this Exclusion will not apply to any Claim brought by an Additional Insured in any capacity other than that of an Additional Insured. All other terms and conditions remain unchanged. DPL E5424 CW (02/15) Includes copyrighted material of Insurance Services Office, Inc., with its Page 1 of 1 permission. Hiscox Insurance Company Inc. Endorsement 2 NAMED INSURED: KNB Consulting LLC P.0 11te Rq Ations ervipq 5" omgrne "#: H ISCOX into ura,gcourage- Page 1 of 2 In consideration of the premium charged, it is understood and agreed that the Policy is amended as follows: 1. In Clause VI. DEFINITIONS, paragraph O., "Professional Services," is amended to read as follows: O. Professional Services means the below listed services performed for others for compensation: public relations services. 2. Clause VI. DEFINITIONS is amended to include the following at the end thereof: DM -A. Infringement Claim means any Claim alleging or arising out of any actual or alleged infringement of any copyright, trademark, trade dress, trade name, service mark, service name, title or slogan. 3. In Clause VI DEFINITIONS, paragraph C., "Claim," is amended to include the following at the end thereof: Claim shall also mean Infringement Claim. 4. In Clause III. EXCLUSIONS, paragraphs M. is deleted in its entirety. 5. Notwithstanding anything in the Policy to the contrary, all Infringement Claims shall be subject to a sublimit of liability of 200,000.00, which shall be part of, and not in addition to, any applicable Limit of Liability. 6. Clause III. EXCLUSIONS is amended to include the following at the end thereof: This Policy does not apply to and We shall have no obligation to pay any Damages, Claim Expenses, or Supplemental Payments for any Claim: PR -A. based upon or arising out of any actual or alleged infringement of any patent or theft of trade secret. PR-B. based upon or arising out of any actual or alleged promotion of media, including but not limited to music, film, video, books, magazines or other published material on behalf of any entertainment, publishing, music (or other recording industry), internet or media company. PR-C. based upon or arising out of any actual or alleged promotion of entertainers, including but not limited to musicians, artists or actors, on behalf of any entertainment, publishing, music (or other recording industry), internet or media company. PR-D. based upon or arising out of any actual or alleged fundraising activities. PR-E. based upon or arising out of any actual or alleged price discounts, prizes, awards, money or valuable consideration given in excess of a total contracted or expected amount. PR-F. based upon or arising out of any actual or alleged games of chance or lotteries. Hiscox Insurance Company Inc. Endorsement 2 NAMED INSURED: KNB Consulting LLC �"�,h�Nic R�f:�atNolns...ra�.�ps Endor.�0t. All other terms and conditions remain unchanged. Endorsement effective: February 5, 2025 Endorsement No: 2 -�p-tz By: Mary Boyd (Appointed Representative) AM HSCOX eincouirage - Page 2 of 2 Policy No.: P100.085.370.5 DPL E5026 CW (01/10) Hiscox Insurance Company Inc. ,Endorsement 3 NAMED INSURED: KNB Consulting LLC C,e)ufornie Amenetorr Endorsement This endorsement modifies insurance provided under the following: PROFESSIONAL LIABILITY - ERRORS AND OMISSIONS INSURANCE AM HISCOX encourage couirage- Page 1 of 3 In consideration of the premium charged, it is understood and agreed that the Policy is modified as follows: 1. Section V. OTHER MATTERS AFFECTING COVERAGE is amended to include the following at the end thereof: CANCELLATION A. The Named Insured may cancel this Policy by giving Us advance written notice stating when thereafter such cancellation shall be effective. If the Named Insured cancels this Policy, the refund may be less than pro rata. Provided, however, if this Policy shall be cancelled by the Named Insured within 14 days of the inception of the Policy Period without having submitted a Claim, We shall return in full any premium amount actually paid to Us. In such event, the effective date of cancellation shall be deemed to be the inception date of the Policy Period. B. Policies In Effect For 60 Days or Less If this Policy has been in effect for sixty (60) days or less, and is not a renewal of a Policy We have previously issued, We may cancel this Policy by mailing or delivering to the Named Insured at the mailing address shown in the Declarations and to the producer of record, if any, advance written notice of cancellation stating the reason for cancellation at least : Ten (10) days before the effective date of cancellation if We cancel for: (a) Non-payment of premium; or (b) Discovery of fraud by: i. The Insured or the Insured's representative in obtaining this insurance; or ii. The Insured or the Insured's representative in pursuing a Claim under the Policy. Thirty (30) days before the effective date of cancellation if We cancel for any other reason. C. Policies In Effect For More Than 60 Days If this Policy has been in effect for more than sixty (60) days, We may also cancel this Policy by mailing or delivering to the Named Insured at the address shown in the Declarations, the producer of record, if any, written notice, including the reason for cancellation, stating when not less than thirty (30) days thereafter (or ten (10) days thereafter when cancellation is due to non-payment of premium or discovery of fraud), the cancellation shall be effective. We may only cancel this Policy for one or more of the following reasons: (a) Nonpayment of premium, including payment due on a prior policy issued by Us and due during the current policy term covering the same risks; (b) Discovery of fraud or material misrepresentation by: The Insured or the Insured's representative in obtaining this insurance; or The Insured or the Insured's representative in pursuing a Claim under the Policy, Hiscox Insurance Company Inc. Endorsement 3 NAMED INSURED: KNB Consulting LLC CbffornAuAmertdatory Enftorsment AM HISCOX encowage cour"fo gw Page 2 of 3 (c) A judgment by a court or an administrative tribunal that the Insured has violated a California or Federal law, having as one of its necessary elements an act which materially increases any of the risks insured against; (d) Discovery of willful or grossly negligent acts or omissions, or of any violations of state laws or regulations establishing safety standards, by the Insured or the Insured's representative, which materially increase any of the risks insured against; (e) Failure by the Insured or the Insured's representative to implement reasonable loss control requirements, agreed to by the Insured as a condition of policy issuance, or which were conditions precedent to Our use of a particular rate or rating plan, if that failure materially increases any of the risks insured against; (f) A determination by the Commissioner of Insurance that the Loss of, or changes in, our reinsurance covering all or part of the risk would threaten Our financial integrity or solvency; or fl. Continuation of the policy coverage would: a. Place Us in violation of California law or the laws of the state where We are domiciled; or b. Threaten Our solvency. (g) A change by the Insured or the Insured's representative in the activities or property of the commercial or industrial enterprise, which results in a materially added, increased or changed risk, is included in the Policy. D. The mailing of the notice of cancellation shall be sufficient proof of notice and this Policy shall terminate at the date and hour specified in such notice. If We cancel this Policy, any return premium shall be calculated pro rata. Payment or tender of any unearned premium by Us shall not be a condition precedent to the effectiveness of the cancellation, but such payment shall be made as soon as practicable. N..... n,rene,wa,l, A. If We elect not to renew this Policy, We will mail or deliver to the Named Insured written notice of nonrenewal, stating the reason for nonrenewal, not less than sixty (60) days, but not more than one hundred twenty (120) days before the end of the Policy Period. We will mail the notice of nonrenewal to the Named Insured at the last mailing address known Us. If the notice of nonrenewal is mailed, proof of mailing will be sufficient proof of notice. B. We are not required to send notice of nonreriewai in the following situations: (a) If the transfer or renewal of a policy, without any changes in terms, conditions or rates, is between Us and a member of Our insurance group. (b) If the policy has been extended for 90 days or less, provided that notice has been given in accordance with paragraph A above. Hiscox Insurance Company Inc. 140 H ISCOX enCCW.Irage Col,tfage, Endorsement 3, NAMED INSURED: KNB Consulting LLC tli ifa , nia.: m rwd r..yµ pdYr rse cent Page 3 of 3 (c) If the Named Insured has obtained replacement coverage, or if the Named Insured has agreed, in writing, within 60 days of the termination of the Policy, to obtain that coverage. (d) If the Policy is for a period of no more than 60 days and the Named Insured is notified at the time of issuance that it will not be renewed. (e) If the Named Insured requests a change in the terms or conditions or risks covered by the Policy within 60 days of the end of the Policy Period. (f) If We made a written offer to the Named Insured, in accordance with the timeframes shown in paragraph A above, to renew the Policy under changed terms or conditions or at an increased premium rate, when the increase exceeds 25%. 2. Section VII. DEFINITIONS, Paragraph E Damages, is modified to the extent necessary to provide the following: Punitive and exemplary damages shall not be insurable in cases where California law governs the Claim. 3. The Policy is amended by adding the following Clause at the end thereof: Policy Conflicts To the extent any term or condition contained in the Policy or any Endorsement attached thereto conflicts with any term or condition contained in this or any other State Amendatory Endorsement attached to the Policy, such terms and conditions most favorable to the Insured shall apply. All other terms and conditions remain unchanged„ Endorsement effective: February 5, 2025 Endorsement No: 3 By: Mary Boyd (Appointed Representative) Policy No.: P100.085.370.5 DPL E5102 CA (01/10) Hiscox Insurance Company Inc. Eri.d,orsement_4 NAMED INSURED: KNB Consulting LLC C,yf.Eer lirwpidents E pIr sioo EI1d rsemertt Am HISCOX encourage courage- Page 1 of 1 In consideration of the premium charged, it is understood and agreed that the Policy is amended as follows: In Clause III. EXCLUSIONS, Exclusion R. is deleted in its entirety and replaced with the following: R. based upon or arising out of any actual or alleged: 1. unauthorized acquisition, access, use, or disclosure of, improper collection or retention of, or failure to protect any non-public personally identifiable information or confidential corporate information that is in Your care, custody, or control; 2. violation of any privacy law or consumer data protection law protecting against the use, collection, or disclosure of any information about a person or any confidential corporate information; 3. total or partial damage to, loss, corruption, deterioration, destruction, or alteration of, or the inability or impaired ability to access or manipulate any electronic data, software, electronic databases, computers, or any part of a computer system or network; denial of service or delay, disruption, impairment, failure, or outage of any part of a computer system or network; 5. unauthorized or unlawful access to any electronic data or any part of a computer system or network, including through the transmission of any malicious code, such as a computer virus, worm, logic bomb, malware, spyware, Trojan horse, or other fraudulent or unauthorized computer code; or threat, hoax, or demand relating to subparts 1 through 5 above. All other terms and conditions remain unchanged. Endorsement effective: February 5, 2025 Endorsement No: 4 By: Mary Boyd (Appointed Representative) Policy No.: P100.085.370.5 DPL E1901 CW (08/21) Hiscox Insurance Company Inc. E„n„dorseme.nt...5 NAMED INSURED: KNB Consulting LLC I I SCOX encourage I;OLIIN -,ige- ro✓i l.I. tMlar, yberwarF re, I n N BE _Exclusuan. Endorsement Page 1 of 2 In consideration of the premium charged, it is understood and agreed that the Policy is amended as follows: 1. The following is added to the end of Clause III. EXCLUSIONS: This Policy does not apply to and We will have no obligation to pay any Damages, Claim Expenses, or Supplemental Payments for any Claim: WC -A. based upon or arising out of, directly or indirectly occasioned by, happening through, or in consequence of: 1. war, invasion, acts of foreign enemies, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military, or usurped power; 2. confiscation, nationalization, requisition, destruction of, or damage to property by or under the order of any government, public, or local authority; 3. Cyberwarfare, to the extent not otherwise excluded by paragraph 1; or 4. any NCBR Malicious Act. 2. For purposes of this Endorsement, the following definitions apply: Cyberwarfare means any: 1. unauthorized access to, or use, alteration, corruption, damage, manipulation, misappropriation, theft, deletion, or destruction of, any computer hardware or electronic data; 2. creation, transmission, or introduction into a computer system, computer network, or electronic data of a computer virus or harmful code; or 3. restriction or inhibition of access to a computer system, computer network, or electronic data, including through a denial -of -service (DoS) attack, committed by, or on behalf of, a State. In determining by whom any action listed in parts 1. through 3. above is committed, We will consider to whom any governing body (including the governing body's intelligence, law enforcement, or military services) attributes such action, regardless of whether: A. the computer system, computer network, or electronic data is physically located within the jurisdiction of that governing body; or B. there are inconsistent statements within different branches or agencies of that governing body (including intelligence, law enforcement, or military services) as to whom the action is attributable to. However, if: a governing body has not attributed any such action to a State, or any person, group, association, or entity acting on the State's behalf; and Hiscox Insurance Company Inc. Endorsement 5 NAMED INSURED: KNB Consulting LLC 'M�V_sl", .tw.�1+tN.."P:s�„ !r�y�aerwarf�re,..end_.NCI;F� Excl.gs.�,fl E.f!dm�rsrrtie_nt' 140 H SCOX encourage courage - Page 2 of 2 ii. there is at least one Media Report or a cybersecurity forensic firm report indicating that such action is attributed to a State or any person, group, association, or entity acting on the State's behalf, . then We will not pay any Damages, Claim Expenses, or Supplemental Payments resulting from any action listed in parts 1. through 3. above until any governing body attributes such action to a State or any person, group, association, or entity acting on the State's behalf. If a governing body does not attribute such action to a State or any person, group, association, or entity acting on the State's behalf, or declares it is unable to do so, then a Media Report or cybersecurity forensic firm report will be conclusive evidence that the act was committed by, or on behalf of, a State. For purposes of this definition, "Media Report" means an article published by the Associated Press, Reuters, Wall Street Journal, or the British Broadcasting Corporation. For purposes of this definition, "State" means a sovereign state, state -like entity, quasi -state, proto- state, or a state -sponsored actor or group. NCBR means an act or series of acts that harms another person or damages property through the Malicious Act physical release or dispersal of Nuclear, Chemical, Biological, or Radiological Agents or Materials, which is carried out by any person or group of persons, whether acting alone, on behalf of, or in connection with any organization. Nuclear, means: Chemical, Biological, or 1 • nuclear reaction, nuclear radiation or radioactive particles, whether released or dispersed by Radiological nuclear or conventional devices; Agents or 2. any chemical compound; or Materials 3. any pathogen, in sufficient concentration to cause harm to people or damage to property. All other terms and conditions remain unchanged. Endorsement effective: February 5, 2025 Endorsement No: 5 By: Mary Boyd (Appointed Representative) Policy No.: P100.085.370.5 DPL E1919 CW (03/23) To ensure delivery to your inbox, please add N ?St tiler y ce i rruaip t rya r.0 as ggji,ao your address book. Auto Insurance Confirmation Please use this as confirmation of auto insurance; however, this doesn't take the place of an insurance identification card. Registered owner: Address: Policy number: Policy effective date: Policy expiration date: Vehicle: VIN: Bodily injury liability limit: Property damage liability limit: Comprehensive deductible: KRISTEN BERGEVIN 1142 S HOLT AVE APT 3 LOS ANGELES CA 90035 CIC 007482703 7101 December 1, 2024 June 1, 2025 2009 LEXUS IS 250 41) $300, 000 each person / $500,000 each accident $50,000 each accident $1,000 Collision deductible: $1,000 Lienholder: Meets California minimum statutory liability requirements This confirmation of coverage neither affirmatively nor negatively amends, extends or alters the coverage given by the policy issued by USAA Casualty Insurance Company. Howto Coritact Us Thank you for choosing us for your auto insurance needs. If you have any questions, please contact us using one of the following options: `. Phone:210-531-USAA (8722), our mobile shortcut #8722 or 800-531-8722 Fax: 800-531-8877 Thank you, USAA Casualty Insurance Company Go Digital Review and edit your online document preferences at usaa.com. Please do not reply to this e-mail., 1 49 To contact USAA, visit our secure contact page. Privacy Promise USAA Casualty Insurance Company, 9800 Fredericksburg Road, San Antonio, Texas 78288USAA 93127-0111 CITY OF EL SEGUNDO WORKERS' COMPENSATION DECLARATION WARNING: FAILURE TO SECURE WORKERS' COMPENSATION COVERAGE IS UNLAWFUL AND SUBJECTS AN EMPLOYER TO CRIMINAL PENALTIES AND CIVIL FINES UP TO ONE HUNDRED THOUSAND DOLLARS ($100,000), IN ADDITION TO THE COST OF COMPENSATION, DAMAGES AS PROVIDED FOR IN LABOR CODE § 3706, INTEREST, AND ATTORNEY'S FEES. I affirm under penalty of perjury under the laws of California one of the following declarations; (_) I have and will maintain a certificate of consent of self -insure for workers' compensation, issued by the Director of Industrial Relations as provided for by Labor Code § 3700 for the performance of the work set forth the agreement with the City of El Segundo. Policy No. (_) I have and will maintain workers' compensation insurance as required by Labor Code § 3700 forthe performance of the work for which the agreement with the City of El Segundo is executed. My workers' compensation insurance carrier and policy number are: Carrier Name of Agent Policy Number Expiration Date Phone # (.X_) I certify that, in the performance of the work set forth in the agreement with the City of El Segundo, I will not employ any person in any manner so as to become subject to the workers' compensation laws of California, and agree that, if I should become subject to the 0rkers' compensation provisions of Labor Code § 3700 I must immediately comply with those provis o or a reement automatically become void. Signature of Applicant Date -•• 218�Z°zi Print Name Kristen Bergevin C. Agreement for., my-4-uolu µ Dated: Reviewed b� Y