PROOF OF INSURANCE (2025 - 2026)M YYY1
AC- CERTIFICATE OF LIABILITY INSURANCE
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 INSURERS), AUTHORIZED
REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(les) must have ADDITIONAL INSURED provisions or be endorsed.
11 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 andorsemont(s�.
PRODUC E R NAAIE- Amanda Bnvlhbp,
The Baldwin GrGLJP Mid -Atlantic I LC P HON F FAX
1A,T 7' 061
20 Soulli Kino Street --- - --
anda BevAlhby'�. b�: fdvonxon,,
I eosburg'VA 20,175 .1
MSUIRF-RtS) AFFORnIING COVERACE NAIC 0
Lirensao: CA-dcc'5874k; INSURER A Hanavpr lnsAirancc- Cxn'qary_ P2,292
INSURED AXIS Insurance ComPany W 37273
Wittnian Enterprises LLC 41718
6NSUREAC: Endurarce Amer-ican Specialty I
11093 Sun Center Dr..
Rancho Cordova CA H670 IN n: Cliieer,. Irsurance Cornpany nr 31534
INSURER F A;Imprca Finarx-nal Benefit In 41940
COVERAGES CERTIFICATE NUMBER.,917532246
REVISION NUMBEW
THIS !S TO CER71FY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD
INDICATED NO T INITHSTANO ING ANY REN QUIREFAENT TERM GR CON OF ANY CONTRACT OR 07HER DOCUMENT VOITH RESPECT TO NHICH TH!S
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN THE INSi.)RXNCF.'. AFFORDED BY THE POLICIES DESCRIBED HEREIN I--- SUBJECT TO ALL THE TEERMS,
EXr,iJJSK)N5.', AND OF SUCH POLKOE'5,
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DESCRIPTION OF OP".ATIONS r LOCATIONS,VEHICLES M (ACORO 101, Addonai Ramaflni, Schodd m i.1a, may bg at%Cstod ooz Tqmca Is feq"Ilmd)
T'he cernificate holder s inciudeo wadditional o$ige,! on a prIniory r`Io-con!ributory basjs,Ivnen required by mritlen conlvact for Comrren::lal Gener3'9 Uabfli'Cj
per the terms and co-ndiluons of pelicy form 421.2915 06.15
The cenIficate holder :s Included as add4ional Insure on a primary non-rontributory whan requirod by voAton contract
fw Commerual AuIomobi!n Llabiiity per
We tPuns and conditions of rofm 461 G478 12 12
Waiver of SuaTog abort ior Carrimprcial Autornamip applies pw the ierms ard t-,ondilmns nf fwrr 461-0155 09 97 e0en
rer.1wred by vdraen mnira-t oT agteemen�.
See Attracted
CERTIFICATE HOLDER CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
Cih/ Of M Segundo, CA ACCORDANCE WITH THE POLICY PROVISIONS.
City of El Segundo
350 Main Street AUTHORIZE-rl R.r-PRESENTANVE
El Segundo CA 90245-3895
1988-2015 ACORD CORPORATION. All rights reserved.
ACORD 25 (2016103) The ACORD name and logo are registered marks of ACORD
AUUI t CUNAL NEMAKK:
THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM,
FORM NUMBER: 25 FORM TITLE CERTIFICATE OF LIABILITY INSURANCE
�" aiw�t�r of Subrogation for General Liability applies per the terms and conditions of form 421-2915 06-15 when required ° 9 Y PP q ed by written contract or agreement
t. nibrf.An is follow form
ACORD 101 (2008/01) U 2000 ACUKU GUKYUKA I IUN. Au rlgnw reserves.
The ACORD name and logo are registered marks of ACORD
THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY.
BLANKET ADDITIONAL INSURED - PRIMARY AND NON-CONTRIBUTORY
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE PART
A. The following is added to SECTION II -
LIABILITY COVERAGE, Paragraph A.1. Who Is
An Insured:
Additional Insured if Required by Contract
If you agree in a written contract, written
agreement or written permit that a person or
organization be added as an additional
"insured" under this Coverage Part. such
person or organization is an "insured"; but only
to the extent that such person or organization
qualifies as an "insured" under paragraph A.1.c.
of this Section.
If you agree in a written contract, written
agreement or written permit thata person or
organization be added as an additional
"insured" under this Coverage Part, the rnost
we will pay on behalf of such additional
"insured" is the lesser of:
(1) The Limits of Insurance for liability coverage
specified in the written contract, written
agreement or written permit; or
(2) The Limits of Insurance for Liability
Coverage shown in the Declarations
applicable to this Coverage Part.
Such amount shall be part of and not in addition
to the Limits of Insurance shown in the
Declarations applicable to this Coverage Part.
Regardless of the number of covered "autos",.
"insureds", premiurns paid, claims made or
vehicles involved in the "accident", the most we
will pay for the total of all damages and
""covered pollution cost or expense" combined
resulting trorn any one "accident" is the Limit of
Insurance for Liability Coverage shown in the
Declarations.
B. The following is added to SECTION IV -
BUSINE'SS AUTO CONDITIONS, Paragraph B.
General Conditions, subparagraph 5. Other
Insurance:
Primary and Non -Contributory
If you agree in a written contract, written
agreement or written permit that the insurance
provided to a person or organization who
qual'i'fies as an additional "insured" under
SECTION II LIABILITY COVERAGE, Paragraph
A.I. Who Is An Insured, subparagraph
Additional Insured if Required by Contract is
primary and non-contributory, the Following
applies:
The liability coverage provided by, this Coverage
Part is primary to any other insurance available
to the additional "insured" as a Named Insured.
We will not seek contribution from any other
insurance available to the additional "insured"
except.-
(1) For the sole negligence of the additional
"insured"; or
(2) For negligence arising out of the ownership,.
maintenance or use of any "auto" not owned
by the additional "insured" or by you, unless
that "auto" is a '"tralli connected to an
"auto" owned by the additional "insured" or
by you; or
(3) When the additional "insured" is also an
additional "insured" under another liability
policy.
C. This endorsement will apply only if the
"accident' occurs:
1. During the policy period;
2. Subsequent to the execution of the written
contract or written agreement or the
issuance of the written permit; and
3. Prior to the expiration of the period of time
that the written contract, written agreement
or written permit requires such insurance to
be provided to the additional "insured".
D, Coverage provided to an ,additional "insured"
will not be broader than coverage provided to
any other "insured" under this Coverage Part.
ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED.
4 8 12 12 Includes copyrightedO Insurance Services Office, Inc,, with its permission Page 1 of 1
4-A" 11 pypr I
ilt. 90
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY,
BUSINESS AUTO COVERAGE
BROADENING ENDORSEMENT
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
With respect to coverage provided by this endorsement, the provisions of the Coverage Form
apply unless modified by the endorsement.
1. CANCELLATION EXTENSION
d. Any business entity for which you
Paragraph A. CANCELLATION 2. b. of the
have a financial interest greater
COMMON POLICY CONDITIONS is
than 50% of the voting stock or
replaced with the following:
otherwise have a controlling
b. 60 days before the effective date
interest after the effective date of
of cancellation if we cancel for
this policy or that is newly
any other reason.
acquired or formed by you during
the term of this policy.
SECTION I - COVERED AUTOS
The coverage provided by this
2. EMPLOYEE HIRED "AUTOS"
provision is afforded until
Description Of Covered Auto
expiration or termination of
Designation Symbols; Symbol 8 is
this policy, whichever occurs
replaced by the following:
earlier
8 = Hired "Autos" Only - Only those
The coverage provided by this
"autos" you lease, hire, rent or borrow;
provision does not apply to
including "autos" your employee hires at
any business entity described
your direction, for the purpose of
in d. above that qualifies as an
conducting your business. This does not
insured under any other
include any "auto" you lease, hire, rent, or
automobile liability policy
borrow from any of your "employees" or
issued to that business entity
partners or members of their households.
as a named insured or would
have been an insured except
SECTION II - LIABILITY COVERAGE
for the exhaustion of the
policy limits or the insolvency
3. BROADENED NAMED INSURED
of the insurer.
The following is added to the SECTION II - The coverage provided by this
LIABILITY COVERAGE, Paragraph 1. Who provision does not apply to
Is An Insured provision: "bodily injury" nor "property
damage" arising from an
accident that occurred prior to
your acquiring or forming the
business entity described in d.
above.
Includes copyrighted material of Insurance Services Office, Inc. with its permission,
Copyright, Insurance Services Office, Inc., 1996
461-0155 (9-97) Page 1 of 7
4. EMPLOYEES AS INSUREDS
The following is added to the SECTION II -
LIABILITY COVERAGE, Paragraph 1. Who
Is An Insured provision:
e. Any employee of yours is an
"insured" while using a covered
"auto" you do not own, hire or
borrow in your business or your
personal affairs.
5. SUPPLEMENTARY PAYMENTS
The following amends SECTION II -
LIABILITY COVERAGE, Paragraph 2.
Coverage Extensions provision:
Paragraph (2) is replaced by the following;
(2) Up to $2500 for cost of bail bonds
(including bonds for related traffic
law violations) required because
of an "accident' we cover. We do
not have to furnish these bonds.
Paragraph (4) is replaced by the following
(4) All reasonable expenses incurred
by the "insured" at our request,
including actual loss of earnings
up to $500 a day because of time
off from work.
6. AMENDED FELLOW EMPLOYEE
EXCLUSION
The following is added to the SECTION II -
LIABILITY COVERAGE, B. Exclusions
Paragraph 5. Fellow Employee exclusion:
This exclusion does not apply if the
"bodily injury" arises from the use of a
covered "auto" you own or hire. This
coverage is excess over any other
collectible insurance
SECTION III - PHYSICAL DAMAGE
COVERAGE.
7. EXPENSE OF RETURNING A STOLEN
"AUTO" and SIGN COVERAGE
The following is added to SECTION III -
PHYSICAL DAMAGE COVERAGE, A.1.
COVERAGE:
d. Expense Of Returning A Stolen
"Auto"
We will pay for the expense of
returning a covered "auto" to you.
e. Sign Coverage
We will pay for loss to signs,
murals, paintings or graphics,
as part of equipment, which are
displayed on a covered "auto".
The most we will pay for "loss" in
any one "accident' is the lesser
of:
1. The actual cash value of
the property as of the
time of the "loss"; or
2. The cost of repairing or
replacing the damaged or
stolen property with other
property of like kind and
quality; or
3. $2,000.
8. GLASS BREAKAGE DEDUCTIBLE
The following is added to SECTION III -
PHYSICAL DAMAGE COVERAGE, A.
COVERAGE paragraph 3. Glass Breakage -
Hitting a Bird or Animal - Falling Objects
or Missiles:
Any deductible shown in the
Declarations as applicable to the
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Services Office, Inc., 1996
461-0155 (9-97) Page 2 of 7
covered "auto" will not apply to glass
breakage if such glass is repaired,
rather than replaced.
9. TRANSPORTATION EXPENSE
Paragraph 4. Coverage Extension. of
SECTION III - PHYSICAL DAMAGE
COVERAGE, A. COVERAGE is replaced
with the following:
4. Coverage Extension
We will pay up to $50 per day to a
maximum of $1500 for temporary
transportation expense incurred
by you because of the total theft of
a covered "auto" of the private
passenger type. We will pay only
for those covered "autos" for
which you carry either
Comprehensive or Specified
Causes of Loss Coverage. We will
pay for temporary transportation
expenses incurred during the
period beginning 24 hours after
the theft and ending, regardless of
the policy s expiration, when the
covered "auto" is returned to use
or we pay for its "loss".
10. HIRED AUTO PHYSICAL DAMAGE
The following is added to SECTION III -
PHYSICAL DAMAGE COVERAGE, A.
COVERAGE:
5. Hired Auto Physical Damage
If hired "autos" are covered
"autos" for Liability Coverage and
if Physical Damage Coverage of
Comprehensive, Specified Causes
of Loss, or Collision is provided
under this Coverage Form for any
"auto" you own, then the Physical
Damage Coverage(s) provided is
extended to "autos" you hire
without a driver or your employee
hires, without a driver, at your
w
wti H§n9rr
AWYH950401 3001531
direction, for the purpose of
conducting your business, for a
period of 30 days or less, of like
kind and use as the "autos" you
own, subject to the following:
The most we will pay for any one
loss is the lesser of the following:
a. 1111 per d- or
b. cash value, .r
repair,c- the cost of
minus the deductible equal to the
lowest deductible applicable to
any owned "auto" for that
coverage. Any deductible shown
in the Declarations does not apply
to "loss" caused by fire or
lightning. Subject to the limit and
deductible stated above, we will
provide coverage equal to the
broadest coverage provided to
any covered "auto" you own, that
is applicable to the loss.
If the loss arises from an accident
for which you are legally liable
and the lessor incurs an actual
financial loss from that accident,
we will cover the lessor s actual
financial loss of use of the hired
"auto" for a period of up to seven
consecutive days from the date of
the accident, subject to a limit of
$1,000 per accident.
11. AUDIO, VISUAL AND DATA
ELECTRONIC EQUIPMENT COVERAGE
The following is added to SECTION III -
PHYSICAL DAMAGE COVERAGE, A.
COVERAGE:
6. Audio, Visual and Data Electronic
Equipment Coverage
We will pay for "loss" to any
electronic equipment that receives
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Services Office, Inc., 1996
461-0155 (9-97) Page 3 of 7
or transmits audio, visual or data
signals and that is not designed
solely for the reproduction of
sound. This coverage applies
only if the equipment is
permanently installed in the
covered "auto" at the time of the
"loss" or the equipment is
removable from a housing unit
which is permanently installed in
the covered auto at the time of
the "loss", and such equipment is
designed to be solely operated by
use of the power from the "auto s"
electrical system, in or upon the
covered "auto", including its
antennas and other accessories.
However , this does not include
tapes, records or discs.
The exclusions that apply to
PHYSICAL DAMAGE COVERAGE,
except for the exclusion relating to
Audio, Visual and Data Electronic
Equipment, also apply to coverage
provided herein. In addition, the
following exclusions apply:
We will not pay , under this
coverage, for either any electronic
equipment or accessories used
with such electronic equipment
that is:
1. Necessary for the normal
operation of the covered
"auto" or the monitoring of
the covered "auto s"
operating system; or
2. Both:
An integral part of the
same unit housing any
sound reproducing
equipment designed
solely for the
reproduction of sound if
the sound reproducing
equipment is permanently
installed in the covered
"auto", and
Permanently installed
in the opening of the dash
or console normally used
by the manufacturer for
the installation of a radio.
With respect to coverage herein,
the LIMIT OF INSURANCE
provision of PHYSICAL DAMAGE
COVERAGE is replaced by the
following:
1. The most we will pay for all
"loss" to audio, visual or data
electronic equipment and any
accessories used with this
equipment as a result of any
one "accident" is the lesser of
a. The actual cash value of
the damaged or stolen
property as of the time of
the "loss"; or
b. The cost of repairing or
replacing the damaged or
stolen property with other
property of like kind and
quality; or
c. $500.
2. An adjustment for
depreciation and physical
condition will be made in
determining actual cash value
at the time of the "loss".
3. Deductibles applicable to
PHYSICAL DAMAGE
COVERAGE, do not apply
to this Audio, Visual and Data
Electronic Equipment
Coverage.
If there is other coverage provided
by this policy for audio, visual and
data electronic equipment, the
coverage provided herein is
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Services Office, Inc., 1996
461-0155 (9-97) Page 4 of 7
14,
Hanove'r
Insurance Graup.
AWYH950401 3001531
excess. However, you may elect
covered"auto". If loss is
to apply the limit or any portion
caused by theft, this
thereof of coverage provided
number of days is added
herein to pay any deductible that
to the number of days it
is applicable under the provisions
takes to locate the covered
of the other coverage.
"auto" and transport it to a
repair shop.
12. RENTAL REIMBURSEMENT and
MATERIAL TRANSFER EXPENSE
2. 60 days,.
The following is added to SECTION III - Our payment is limited to the
PHYSICAL DAMAGE COVERAGE, A. lesser of the following amounts:
COVERAGE:
1.. Necessary and actual
7. Rental Reimbursement and expenses incurred,
Material Transfer Expense including loss of use.
This coverage provides only those
2. $3000.
Physical Damage Coverages
where a premium is shown in the
This auto rental expense coverage
Declarations. It applies only to a
does not apply while there are
covered "auto" described or
spare or reserve "autos" available
designated to which the Physical
to you for your operations.
Damage Coverages apply_
If "loss" results from the total theft
We will pay for auto rental
of a covered "auto" of the private
expenses and the expenses,
passenger type, we will pay under
incurred by you because of "loss"
this coverage only that amount of
to a covered "auto", to remove
your rental reimbursement
and transfer your materials and
expenses which is not already
equipment from the covered
provided for under the SECTION
"auto" . Payment applies in
III - PHYSICAL DAMAGE
addition to the otherwise
COVERAGE, A. 4. Coverage
applicable amount of each
Extension.
coverage you have on a covered
"auto". No deductibles apply to
13. AIRBAG COVERAGE
this coverage.
The Following is added to SECTION III -
We will pay only for those auto
PHYSICAL DAMAGE COVERAGE, B.
rental expenses incurred during
Exclusions, paragraph 3.
the policy period beginning 24
hours after the "loss" and ending,
The portion of this exclusion relating to
regardless of the policy s
mechanical or electrical breakdown does
expiration, with the lesser of the
not apply to the accidental discharge of an
following number of days:
airbag. This coverage is excess of other
collectible insurance or warranty. No
1. The number of days
deductible applies to this Airbag
reasonably required to
Coverage.
repair or replace the
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Services Office, Inc., 1996
461-0155 (9-97) Page 5 of 7
14. AUTO LOAN PHYSICAL DAMAGE
EXTENSION
The following is added to SECTION III -
PHYSICAL DAMAGE COVERAGE, C. Limit
Of Insurance provision:
When a 'loss" results in a total loss to a
covered auto you own for which a Loss
Payee is designated in this policy, the
most we will pay for 'loss" in any one
"accident' is the greater of:
1. The actual cash value of the
damaged or stolen property as of
the time of the "loss"; or
2. The outstanding balance of the
initial loan, less any amounts for
taxes, overdue payments, overdue
payment charges, penalties,
interest , any charges for early
termination of the loan, costs for
Credit Life Insurance, Health,
Accident or Disability Insurance
purchased with the loan, and
carry-over balances from previous
loans.
15. AUTO LEASE PHYSICAL DAMAGE
EXTENSION
The following is added to SECTION III -
PHYSICAL DAMAGE COVERAGE, C. Limit
Of Insurance provision:
If, because of damage, destruction or theft
of a covered "auto", which is a long-term
leased "auto", the lease agreement
between you and the lessor is terminated,
"we" will pay the difference between the
amount paid under paragraph C. LIMIT OF
INSURANCE 1. or 2. and the amount due
at the time of "loss" under the terms of
the lease agreement applicable to the
leased "auto" which you are required to
pay: less any fees to dispose of the auto;
any overdue payments; financial penalties
imposed under a lease for excessive use
abnormal wear and tear or high mileage;
security deposits not refunded by the
lessor; cost for extended warranties,
Credit Life Insurance, Health, Accident or
Disability Insurance purchased with the
loan; and carry over balances from
previous leases.
This coverage applies only to the initial
lease for the covered "auto" which has not
previously been leased. This coverage is
excess over all other collectible
insurance.
SECTION IV - CONDITIONS
16. DUTIES IN THE EVENT OF ACCIDENT,
CLAIM, SUIT OR LOSS
The following is added to SECTION IV -
BUSINESS AUTO CONDITIONS, A. Loss
Conditions, 2. Duties In The Event Of
Accident, Claim, Suit Or Loss:
Knowledge of any "accident'
claim, "suit' or "loss" will be
deemed knowledge by you when
notice of such "accident',
claim, "suit" or "loss" ha's been
received by:
(1) You, if you are an individual;
(2) Any partner or insurance
manager if you are a
partnership; or
(3) An executive officer or
insurance manager if you are
a corporation.
17. BLANKET WAIVER OF SUBROGATION
Paragraph 5. Transfer Of Rights Of
Recovery Against Others To Us, SECTION
IV - BUSINESS AUTO CONDITIONS, A.
Loss Conditions is replaced by the
following:
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Services Office, Inc., 1996
461-0155 (9-97) Page 6 of 7
5. Transfer Of Rights Of Recovery
Against Others To Us
If any person or organization to or
for whom we make payment
under this Coverage Form has
rights to recover damages from
another, which have not been
waived through the execution of
an "insured contract', written
agreement, or permit, prior to the
"accident" or "loss" giving rise to
the payment, those rights to
recover damages from another
are transferred to us. That person
or organization must do
everything necessary to secure
our rights and must do nothing
after the "accident' or "loss" to
impair them.
18. UNINTENTIONAL FAILURE TO
DISCLOSE INFORMATION
The following is added to SECTION IV
BUSINESS AUTO CONDITIONS. B.-
General Conditions, paragraph 2.
Concealment, Misrepresentation Or Fraud
Your unintentional error in disclosing,
or failure to disclose, any material fact
existing after the effective date of this
Coverage Form shall not prejudice
your rights under this Coverage Form.
However, this provision does not affect
our right to collect additional premium
or exercise our right of cancellation or
nonrenewal.
4 Hiinover
19. HIRED AUTO - WORLDWIDE
COVERAGE
The following is added to SECTION IV -
Business Auto Conditions, B. General
Conditions, paragraph 7. Policy Period,
Coverage Territory provision:
Outside the coverage territory
described in a., b., c., and d.
above for an "accident' or "loss"
resulting from the use of a
covered "auto" you hire, without a
driver, or your employee hires
without a driver, at your direction,
for the purpose of conducting your
business, for a period of 30 days
or less, provided the suit is
brought within The United States
of America or its territories or
possessions.
SECTION V - DEFINITIONS
20. MENTAL ANGUISH
Paragraph C. 'Bodily injury", SECTION V -
DEFINITIONS is replaced by the following:
C. "Bodily injury" means bodily injury,
sickness or disease sustained by a
person including death or mental
anguish resulting from any of these.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Services Office, Inc., 1996
461-0155 (9-97) Page 7 of 7
ZBR D673317 11 3001531
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
COMMERCIAL GENERAL LIABILITY BROADENING ENDORSEMENT
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SUMMARY OF COVERAGES
This endorsement amends coverages provided under the Commercial General Liability Coverage Part through
new coverages, higher limits and broader coverage grants.
1. Additional Insured by Contract, Agreement or
(1) "Your work" for the additional insured(s)
Permit
designated in the contract, agreement or
The following is added to SECTION II — WHO IS
permit;
AN INSURED:
(2) Premises you own, rent, lease or occupy;
Additional Insured by Contract, Agreement or
or
Permit
(3) Your maintenance, operation or use of
a. Any person or organization with whom you
equipment leased to you.
agreed in a written contract, written agreement
b. The insurance afforded to such additional
or permit that such person or organization to
insured described above:
add an additional insured on your policy is an
(1) Only applies to the extent permitted by
additional insured only with respect to liability
law; and
for "bodily injury", "property damage", or
"personal and advertising injury" caused, in
(2) Will not be broader than the insurance
whole or in part, by your acts or omissions, or
which you are required by the contract,
agreement or permit to provide for such
the acts or omissions of those acting on your
additional insured.
behalf, but only with respect to:
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ZBR D673317 11 3001531
C.
(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 Part,
including any endorsements thereto.
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 which takes
place after the lease for the land ex-
pires; or
(b) Managers or lessors of premises if:
(i) The occurrence takes place 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 con-
struction 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 III — LIMITS OF
INSURANCE:
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.
2. Additional Insured — Primary and Non -
Contributory
The following is added to SECTION IV —
COMMERCIAL GENERAL LIABILITY
CONDITIONS, Paragraph 4. Other insurance:
Additional Insured — Primary and Non -
Contributory
If you agree in a written contract, written
agreement or permit that the insurance provided to
any person or organization included as an
Additional Insured under SECTION II — 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
Coverages A or B of this Coverage Part, our
obligations are limited as follows:
a. 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:
(1) For the sole negligence of the Additional
Insured;
(2) When the Additional Insured is an
Additional Insured under another primary
liability policy; or
(3) 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.
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ZBR D673317 11 3001531
(1) This insurance is excess over any of the
other insurance, whether primary, excess.
confingent or on any other basis:
(a) That is Fire, Extended Coverage,
Builder's Risk, Installation Risk or
similar coverage for'.your work";
(b) That is Fire insurance for premises
rented to the Additional Insured or
temporarily occupied by the Additional
Insured with permission of the owner-,
(c) 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
(d) If the loss arises out of the
maintenance or use of aircraft, "autos"
or watercraft to the extent not subject
to Exclusion g. of SECTION I -
COVERAGE A - BODILY INURY
AND PROPERTY DAMAGE
LIABILITY.
(2) When this insurance is excess, we will
have no duty under Coverages A or B to
defend the insured against any "suit" if any
other insurer has a duty to defend the
ured 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.
(3) 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:
(a) The total amount that all such other
insurance would pay for the loss in the
absence of this insurance: and
(b) 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.
c. Method Of Sharing
If all of the other insurance permits
contribution by equal shares, we will follow this
method also, Under this approach each
insurer contributes equal amounts until it has
paid its applicable limit of insurance or none of
the loss remains, whichever comes first. If any
of the other insurance does not permit
contribution by equal shares, we will contribute
by limits. Under this method, each insurer's
share is based on the ratio of its applicable
limit of insurance to the total applicable limits
of insurance of all insurers
3. Blanket Waiver of Subrogation
The following is added to SECTION IV -
COMMERCIAL GENERAL LIABILITY
CONDITIONS, Paragraph 8. Transfer Of Rights
Of Recovery Against Others To Us:
We waive any right of recovery we may have
against any person or organization with whom you
have a written contract that requires such waiver
because of payments we make for damage under
this coverage form. The damage must arise out of
your activities under a written contract with that
person or organization. This waiver applies only to
the extent that subrogation is waived under a
written contract executed prior to the "occurrence"
or offense giving rise to such payments.
4. Bodily Injury Redefined
SECTION V - DEFINITIONS, Definition 3. 'bodily
injury" is replaced by the following:
3. "Bodily injury" means bodily injury, sickness or
disease sustained by a person including death
resulting from any of these at any time. "Bodily
injury- includes mental anguish or other
mental injury resulting from "bodily injury".
5. Broad Form Property Damage - Borrowed
Equipment, Customers Goods, Use of
Elevators
a. SECTION I - COVERAGES, COVERAGE A -
BODILIY INJURY AND PROPERTY
DAMAGE LIABILITY, Paragraph 2.
Exclusions subparagraph j. is amended as
follows:
Paragraph (4) does not apply to "property
damage" to borrowed equipment while at a
jobsite and not being used to perform
operations.
Paragraphs (3), (4) and (6) do not apply to
.property damage" to "customers goods" while
on your premises nor do they apply to the use
of elevators at premises you own. rent, lease
or occupy.
1. The following is added to SECTION V -
DEFINTIONS-
24. "Customers goods" means property of
your customer on your premises for the
purpose of being:
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ZBR D673317 11 3GO1 531
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
The following is added to SECTION IV -
COMMERCIAL GENERAL LIABILITY
CONDITIONS, Paragraph 2. Duties in the Event
of Occurrence, Offense, Claim or Suit:
Notice of an "occurrence", offense, claim or
1. suit" will be considered knowledge of the
insured if reported to an individual named
insured, partner, executive officer or an
"employee" designated by you to give us such
a notice.
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The following is added to SECTIU-n IT -
COMMERCIAL GENERAL LIABILITY
CONDITIONS:
Liberalization Clause
If we adopt any revision that woul ado t
d 'ro n '
coverage under this Coverage Form witho
additional premium, within 45 days prior to
during the policy period, the broadened covera
will immediately apply to this Coverage Part.
1. Medical Payments - Extended Reporti
Period
a. SECTION I - COVERAGES, COVERAGE C
MEDICAL PAYMENTS, Paragraph
Insuring Agreement, subparagraph
is replaced by the following:
(b) The expenses are incurred and report 0
to us within three years of the date
accident: and
b. This coverage does not apply if COVERA
C - MEDICAL PAYMENTS is excluded eith
by the provisions of the Coverage Part or
endorsement.
SECTION I - COVERAGES, COVERAGE A
BODILY INJURY AND PROPERTY DAMAGE
LIABILITY, Paragraph 2. Exclusions,
subparagraph g.(2) is replaced by the following:
g. Aircraft, Auto Or Watercraft
(2) A watercraft you do not own that is:
(a) Less than 51 feet long: and
(b) Not being used to carry persons or
property for a charge:
This provision applies to any person who,
with your consent, either uses or is
responsible for the use of a watercraft.
11. Supplementary Payments Increased Limits
SECTION I - SUPPLEMENTARY PAYMENTS
COVERAGES A AND B, Paragraphs 1.b. and
1.d. are replaced by the following:
I.b.Up to $2.500 for cost of bail bonds required
because of accidents or traffic law violations
arising out.of the use of any vehicle to which
the Bodily Injury Liability Coverage applies -
We do not have to furnish these bonds.
1.d.All reasonable expenses incurred by the
insured at our request to assist us in the
Investigation or defense of the claim or "suit",
including actual loss of earnings up to S1000 a
day because of time off from work.
12. Unintentional Failure to Disclose Hazards
The following is added to SECTION IV -
COMMERCIAL GENERAL LIABILITY
CONDITIONS ' Paragraph 6. 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.
A
The following is added to SECTION IV -
COMMERCIAL GENERAL LIABILITY
CONDITIONS, Paragraph 2. Duties in the Event
of Occurrence, Offense, Claim or Suit:
9. Newly Acquired Or Formed Organizations Your rights afforded under this policy shall not be
prejudiced if you fail to give us notice of an
SECTION If - WHO IS AN INSURED, Paragraph "occurrence". offense. claim or "suit", solely due to
replaced by the following: your reasonable and documented belief that the
a. Coverage under this provision is afforded until "bodily injury" or "property damage" is not covered
the end of the policy period. under this policy.
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421-2915 06 15 Includes, copyrighted rriaterial of Insurance Services Offire, Inc., with iC_- permission Page 4 of 4