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PROOF OF INSURANCE (2026)CERTIFICATE OF LIABILITY INSURANCE DATE (MMIDDffYYY) 1 9/9/2025 THIS CERTIFICATE IS ISSUED AS 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(les) must 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). PRODUCEREric Cespedes Conrey Ins Brokers & Risk Managers PtfrJN(8-77) 450-1872 2522 N. Santiago Blvd. IV11,1111,16., ericc@conreyins . co m . . . ........ Lic#0543173 NAIL Orange CA 92867 .... . ....... INSUR.ERA: United State Liability Ins Company 25895 INSURED _INSURER B, Jennifer Walton INSURER C: ....... ........... . .... 3553 Atlantic Ave Ste B308 INSURER D: Long Beach CA 90807 1 INSURER F: COVERAGES CERTIFICATE NUMBER:25-26 GL E&O REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. IN RI ADDLf90'§w F POLICY EFF —i3UL-icy EXP LIMITS TR TYPE OF INSURANCE wVn POUrY NUMBER mmfu2rry"Y _fMMrDo/YYYY) X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE S 0, 000 s.- A E T OCCUR CLAIMS -MADE Ea nccurrance IREmi,sk,3 �..5 ------------ X Y KBP1513263D 6/21/2025 61211202-6 ..MED EXP IAny one person) 5 5,000 PERSONAL & ADV INJURY S I., OOG, 000 Q`RSN't AGGREGATt LIMITAPPLIES PER: GENERAL AGGREGATE S 2, 110' 000 PRC- POL'Icy JECT D LOC PRODUCTS - COMPIOPAGG S S OTHER LIN01" AUTOMOBILE LIABILITY drrNl BODILY INJURY (Par person) S ANY AUTO . ...... ..... . . . . ALL OWNED SCHEDULED BODILY INJURY (Per accident) AUTOS AUTOS NON -OWNED N 1_0 ON PROPERTYDAMAGE NREDAUJOS Au-ros UMBRELLA LM OGCUR EACH OCCURRENCE S EXCESS LIARCLAIMS-MADE AGGREGATE .. .. .. ...... —DE. 77 RETENTIONS S WORKERS COMPENSATION AND EMPLOYERS' LIABILITY YIN ANY PROPRIET-OFUPARTNER/EXECUTIVE OFFICE "JIMEMBER EXCLUDED? N/A EACH ACCIDENT (Mandatory in NH) E L DISEASE - EA EMPLOYEE S mmmmITITp If yes, descnbe under DESCRIPTION OF OPERATIONS below L, DISEASE - POLICY LIMIT $ A Errors & Omissions HER 1"57 32 6311) 6/21/2025 6/21/202G L,1,0 23,000 DESCRIPTION OF OPERATIONS) LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) RE: September 27, 2025 1-5pru ONLY Nikki Steen, Larry Steen, Yarone Levy November 22, 2025, 1-5pm ONLY Ed Kusby WITH RESPECTS TO GENERAL LIABILITY, CERTIFICATE HOLDER IS NAMED AS AN ADDITIONAL INSURED PER BLANKET FORM CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of El Segundo, The El Segundo Library, THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN its elected and appointed officials, ACCORDANCE WITH THE POLICY PROVISIONS, employees, and volunteers AUTHORNMID RIF., PIRESIENTA i1W.n. 350 Main Street El Segundo, CA 90245 1988-2014 ACORD CORPORATION. All rights reserved. ACORD 25 (2014/01) The ACORD name and logo are registered marks of ACORD INS025 (201401) EXTENSION OF DECLARATIONS Policy No. HBP1573263D Effective Date: 06/2112025 12:01 AM STANDARD TIME AT YOUR MAILING ADDRESS FORMS AND ENDORSEMENTS The following forms apply to multiple coverage parts Endt# Revised Description of Endorsements BP-103 01/15 Exclusion Of War, Military Action And Terrorism (Coverage For Certain Fire Losses) BP-117 06/08 Section IV -Errors And Omissions Liability Insurance Coverage Form BP-134 06/09 Blanket Additional Insured BP-15 07/04 Business Income And Extra Expense Limit BP-152 01/13 Separation of Insureds Clarification Endorsement BP-168 11/11 Exclusion - Injury To Performers Or Entertainers BP-47 11/10 "Equipment Breakdown" Enhancement Endorsement BP-48 05/16 Exclusion Asbestos, Lead Contamination, Absolute Pollution, Mold, Fungus, Bacteria, Virus And Organic Pathogen BP-49 01/13 Absolute Exclusion For Pollution, Organic Pathogen, Silica, Asbestos And Lead BP-77B 03/11 Amendment Of Premium Audit Conditions BP-88 04/06 Expanded Definition Of Bodily Injury BP-90 11/10 Amended Definition BP0003 01/10 Businessowners Coverage Form BP0155 07/20 California Changes BP0417 01/10 Employment -Related Practices Exclusion BP1505 05/14 Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data -Related Liability - Limited Bodily Injury Exception Not Included CV TRIADN 12/20 Policyholder Disclosure Notice of Terrorism HBP-100 05/08 Integration Endorsement HBP-107 08/08 Retroactive Date Endorsement Jacket 07/19 Policy Jacket L 541 12/20 Extension of Terrorism Coverage L-367 08/03 Minimum Earned Premium Endorsement L-622 07/08 Abuse Or Molestation Exclusion Endorsements marked with an asterisk («) have been added to this policy or have a new edition date and are attached with this certificate. EOD (01/95) All other terms and conditions remain unchanged. Page 1 of 1 UNITED STATES LIABILITY INSURANCE GROUA WAYNE, PENNSYLVANIA I This endorsement modifies insurance provided Linder the following: SECTION 11 — LIABILITY; C. Who Is An Insured is amended to include as an additional insured any person(s) or organization(s) for whom you are performing "your work" under a written contract or agreement, that requires such person(s) or organization(s) to be added as an additional insured on your policy. Such person(s) or organization(s) is an additional insured L, only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" occurring after the effective date of such contract or agreement that is caused, in whole or in part by: a. Your acts or omissions; or b. The acts or omissions of those acting on your behalf, in the performance of "your work" for the additional u-isured. Coverage for an additional 'insured under this endorsement ends when "your work" for that additional Insured ends or is put to its intended use by any person or organization. SECTION 11 — LIABILITY; B. EXCLUSIONS, 3. Applicable To of Business Liability Coverage And Medical Expenses Coverage, is amended to add the following with respect to this endorsement only: There is no coverage tinder this endorsement for loss or expense, including but not limited to ZD the cost of defense for "bodily injury" or "property damage" or "personal and advertising injury" occurring: a. After all of "your work", including materials, parts or equipment furnished in connection with "your work" and performed Linder the above referenced written contract(s) or agreement(s) has ended; or b. When that portion of "your work" out of which the "bodily injury", "property damage" or "personal and advertising injury" arises and performed under the above referenced written contract(s) or agreement(s) has been put to its intended use by any person or organization; whichever occurs first. All other terms and conditions of this policy remain unchanged. This endorsement is a part of 0 your policy and takes effect on the effective date of your policy unless another effective date is shown. BP 134 (06-09) Page I of I t� For the purposes of this insurance, electronic data is not tangible property. As used in this definition, electronic data means information, facts or programs stored as, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD- ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. 18. "Suit" means a civil proceeding in which damages because of "bodily injury", "property damage", or "personal and advertising injury" to which this insurance applies are alleged. "Suit" includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 19. "Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short-term workload conditions. 20. "Volunteer worker" means a person who is not your "employee", and who donates his or her work and acts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 21. "Your product": a. Means: (1) Any goods or products„ other than real property, manufactured, sold, hanrted, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. other property rented to or located for the use of others but not sold. 22. "Your work": a. Means: (1) Work or operations performed by you or on your behalf; and (2) Materials, parts or equipment furnished in connection with suclI work or operations. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your work"; and (2) The providing of or failure to provide warnings or instructions. SECTION III — COMMON POLICY CONDITIONS (APPLICABLE TO SECTION I — PROPERTY AND SECTION II — LIABILITY) A. Cancellation 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least: a. Five days before the effective date of cancellation if any one of the following conditions exists at any building that is Covered Property in this policy; (1) The building has been vacant or unoccupied 60 or more consecutive days. This does not apply to: (a) Seasonal unoccupancy; or (b) Buildings in the course of construction, renovation or addition. Buildings with 65% or more of the rental units or floor area vacant or unoccupied are considered unoccupied under this provision. (2) After damage by a Covered Cause of Loss, permanent repairs to the building: (a) Have not started, and (b) Have not been contracted for, within 30 days of initial payment of loss. b. Includes: (3) The building has: (1) Warranties or representations made at (a) An outstanding order to vacate; any time with respect to the fitness, quality, durability, performance or use of (b) An outstanding demolition order; or "your product"; and (c) Been declared unsafe by (2) The providing of or failure to provide governmental authority. warnings or instructions. (4) Fixed and salvageable items have been c. Does not include vending machines or or are being removed from the building Page 42 of 44 © Insurance Services Office, Inc., 2009 BP 00 03 01 10 and are not being replaced. This does not apply to such removal that is necessary or incidental to any renovation or remodeling. (5) Failure to: (a) Furnish necessary heat, water, sewer service or electricity for 30 consecutive days or more, except during a period of seasonal unoccupancy; or D. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. E. Inspections And Surveys 1. We have the right to: (b) Pay property taxes that are owing and have been outstanding for more than one year following the date due, 2 except that this provision will not apply where you are in a bona fide dispute with the taxing authority regarding payment of such taxes. b. 10 days before the effective date of cancellation if we cancel for nonpayment of premium. c. 30 days before the effective date of cancellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed, proof of mailing will be sufficient proof of notice. B. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy. C. Concealment, Misrepresentation Or Fraud This policy is void in any case of fraud by you as it relates to this policy at any time. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This policy; 2. The Covered Property; a. Make inspections and surveys at any time; b. Give you reports on the conditions we find; and c. Recommend changes. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions: a. Are safe and healthful; or b. Comply with laws, regulations, codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections, surveys, reports or recommendations we may make relative to certification, under state or municipal statutes, ordinances or regulations, of boilers, pressure vessels or elevators. F. Insurance Under Two Or More Coverages If two or more of this policy's coverages apply to the same loss or damage, we will not pay more than the actual amount of the loss or damage. G. Liberalization If we adopt any revision that would broaden the coverage under this policy without additional premium within 45 days prior to or during the policy period, the broadened coverage will immediately apply to this policy. H. Otherinsurance 1. If there is other insurance covering the same loss or damage, we will pay only for the amount of covered loss or damage in excess of the amount due from that other insurance, whether you can collect on it or not. But we will not pay more than the applicable Limit of Insurance of Section I — Property. 2. Business Liability Coverage is excess over: 3. Your interest in the Covered Property; or a. Any other insurance that insures for direct 4. A claim under this policy. physical loss or damage; or BP 00 03 01 10 © Insurance Services Office, Inc., 2009 Page 43 of 44 b. Any other primary insurance available to you covering liability for damages arising out of the premises or operations for which you have been added as an additional insured by attachment of an endorsement. 3. When this insurance is excess, we will have no duty under Business Liability Coverage to defend any claim or "suit" that any other insurer has a duty to defend. 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. I. Premiums 1. The first Named Insured shown in the Declarations: a. Is responsible for the payment of all premiums; and b. Will be the payee for any return premiums we pay. 2. The premium shown in the Declarations was computed based on rates in effect at the time the policy was issued. On each renewal, continuation or anniversary of the effective date of this policy, we will compute the premium in accordance with our rates and rules then in effect. 3. With our consent, you may continue this policy in force by paying a continuation premium for each successive one-year period. The premium must be: a. Paid to us prior to the anniversary date; and b. Determined in accordance with Paragraph 2. above. Our forms then in effect will apply. If you do not pay the continuation premium, this policy will expire on the first anniversary date that we have not received the premium. 4. Undeclared exposures or change in your business operation, acquisition or use of locations may occur during the policy period that are not shown in the Declarations. If so, we may require an additional premium. That premium will be determined in accordance with our rates and rules then in effect. J. Premium Audit 1. This policy is subject to audit if a premium designated as an advance premium is shown in the Declarations. We will compute the final premium due when we determine your actual exposures. 2. Premium shown in this policy as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the first Named Insured. 3. The first Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request. K. Transfer Of Rights Of Recovery Against Others To Us 1. Applicable to Businessowners Property Coverage: If any person or organization to or for whom we make payment under this policy has rights to recover damages from another, those rights are transferred to us to the extent of our payment. That person or organization must do everything necessary to secure our rights and must do nothing after loss to impair them. But you may waive your rights against another party in writing: a. Prior to a loss to your Covered Property. b. After a loss to your Covered Property only if, at time of loss, that party is one of the following: (1) Someone insured by this insurance; (2) A business firm: (a) Owned or controlled by you; or (b) That owns or controls you; or (3) Your tenant. You may also accept the usual bills of lading or shipping receipts limiting the liability of carriers. This will not restrict your insurance. 2. Applicable to Businessowners Liability Coverage: If the insured has rights to recover all or part of any payment we have made under this policy, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. This condition does not apply to Medical Expenses Coverage. L. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual Named Insured. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. Page 44 of 44 © Insurance Services Office, Inc., 2009 BP 00 03 01 10 EXTENSION OF DECLARATIONS Policy No. HBP1573263C Effective Date: 06/21/2024 12:01 AM STANDARD TIME AT YOUR MAILING ADDRESS FORMS AND ENDORSEMENTS The following forms apply to multiple coverage parts Endt# Revised Description of Endorsements BP0003 01/10 Businessowners Coverage Form BPO155 07/20 California Changes BP0417 01/10 Employment -Related Practices Exclusion BP-103 01/15 Exclusion Of War, Military Action And Terrorism (Coverage For Certain Fire Losses) BP-117 06/08 Section IV -Errors And Omissions Liability Insurance Coverage Form BP-134 06/09 Blanket Additional Insured BP-15 07/04 Business Income And Extra Expense Limit BP1505 05/14 Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data -Related Liability - Limited Bodily Injury Exception Not Included BP-152 01/13 Separation of Insureds Clarification Endorsement BP-168 11/11 Exclusion - Injury To Performers Or Entertainers BP-47 11/10 "Equipment Breakdown" Enhancement Endorsement BP-48 05/16 Exclusion Asbestos, Lead Contamination, Absolute Pollution, Mold, Fungus, Bacteria, Virus And Organic Pathogen BP-49 01/13 Absolute Exclusion For Pollution, Organic Pathogen, Silica, Asbestos And Lead BP-77B 03/11 Amendment Of Premium Audit Conditions BP-88 04/06 Expanded Definition Of Bodily Injury BP-90 11/10 Amended Definition CV TRIADN 12/20 Policyholder Disclosure Notice of Terrorism HBP-100 05/08 Integration Endorsement HBP-107 08/08 Retroactive Date Endorsement Jacket 07/19 Policy Jacket L 541 12/20 Extension of Terrorism Coverage L-367 08/03 Minimum Earned Premium Endorsement L-622 07/08 Abuse Or Molestation Exclusion Endorsements marked with an asterisk (`) have been added to this policy or have a new edition date and are attached with this certificate. EOD (01/95) All other terms and conditions remain unchanged. Page 1 of 1 UNITED STATES LIABILITY INSURANCE GROUP WAYNE, PENNSYLVANIA This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM BLANKET ADDITIONAL INSURED SECTION H — LIABILITY; C. Who Is An Insured is amended to include as an additional insured any person(s) or organization(s) for whom you are performing "your work" under a written contract or agreement, that requires such person(s) or organization(s) to be added as an additional insured on your policy. Such person(s) or organization(s) is an additional insured only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" occurring after the effective date of such contract or agreement that is caused, in whole or in part by: Your acts or omissions; or The acts or omissions of those acting on your behalf, in the performance of "your work" for the additional insured. Coverage for an additional insured under this endorsement ends when "your work" for that additional insured ends or is put to its intended use by any person or organization. SECTION II — LIABILITY; B. EXCLUSIONS, 3. Applicable To Both Business Liability Coverage And Medical Expenses Coverage, is amended to add the following with respect to this endorsement only: There is no coverage under this endorsement for loss or expense, including but not limited to the cost of defense for "bodily injury" or "property damage" or "personal and advertising injury" occurring: a. After all of "your work", including materials, parts or equipment furnished in connection with "your work" and performed under the above referenced written contract(s) or agreement(s) has ended; or b. When that portion of "your work" out of which the "bodily injury", "property damage" or "personal and advertising injury" arises and performed under the above referenced written contract(s) or agreement(s) has been put to its intended use by any person or organization; whichever occurs first. All other terms and conditions of this policy remain unchanged. This endorsement is a part of your policy and takes effect on the effective date of your policy unless another effective date is shown. BP 134 (06-09) Page 1 of 1 For the purposes of this insurance, electronic data is not tangible property. As used in this definition, electronic data means information, facts or programs stored as, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD- ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. 18. "Suit' means a civil proceeding in which damages because of "bodily injury", "property damage", or "personal and advertising injury" to which this insurance applies are alleged. "Suit" includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 19. "Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short-term workload conditions. 20. "Volunteer worker" means a person who is not your "employee", and who donates his or her work and acts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 21. "Your product': a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. b. Includes: other property rented to or located for the use of others but not sold. 22. "Your work": a. Means: (1) Work or operations performed by you or on your behalf; and (2) Materials, parts or equipment furnished in connection with such work or operations. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of ..your work"; and (2) The providing of or failure to provide warnings or instructions. SECTION III — COMMON POLICY CONDITIONS (APPLICABLE TO SECTION I — PROPERTY AND SECTION II — LIABILITY) A. Cancellation 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least: a. Five days before the effective date of cancellation if any one of the following conditions exists at any building that is Covered Property in this policy; (1) The building has been vacant or unoccupied 60 or more consecutive days. This does not apply to: (a) Seasonal unoccupancy; or (b) Buildings in the course of construction, renovation or addition. Buildings with 65% or more of the rental units or floor area vacant or unoccupied are considered unoccupied under this provision. (2) After damage by a Covered Cause of Loss, permanent repairs to the building: (a) Have not started, and (b) Have not been contracted for, within 30 days of initial payment of loss. (3) The building has: (1) Warranties or representations made at (a) An outstanding order to vacate; any time with respect to the fitness, quality, durability, performance or use of (b) An outstanding demolition order; or "your product"; and (c) Been declared unsafe by (2) The providing of or failure to provide governmental authority. warnings or instructions. (4) Fixed and salvageable items have been c. Does not include vending machines or or are being removed from the building Page 42 of 44 © Insurance Services Office, Inc., 2009 BP 00 03 01 10 and are not being replaced. This does not apply to such removal that is necessary or incidental to any renovation or remodeling. (5) Failure to: (a) Furnish necessary heat, water, sewer service or electricity for 30 consecutive days or more, except during a period of seasonal unoccupancy;or D. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. E. Inspections And Surveys 1. We have the right to: (b) Pay property taxes that are owing and have been outstanding for more than one year following the date due, 2 except that this provision will not apply where you are in a bona fide dispute with the taxing authority regarding payment of such taxes. b. 10 days before the effective date of cancellation if we cancel for nonpayment of premium. c. 30 days before the effective date of cancellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed, proof of mailing will be sufficient proof of notice. B. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy. C. Concealment, Misrepresentation Or Fraud This policy is void in any case of fraud by you as it relates to this policy at any time. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This policy; 2. The Covered Property; a. Make inspections and surveys at any time; b. Give you reports on the conditions we find; and c. Recommend changes. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions: a. Are safe and healthful; or b. Comply with laws, regulations, codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections, surveys, reports or recommendations we may make relative to certification, under state or municipal statutes, ordinances or regulations, of boilers, pressure vessels or elevators. F. Insurance Under Two Or More Coverages If two or more of this policy's coverages apply to the same loss or damage, we will not pay more than the actual amount of the loss or damage. G. Liberalization If we adopt any revision that would broaden the coverage under this policy without additional premium within 45 days prior to or during the policy period, the broadened coverage will immediately apply to this policy. H. Otherinsurance 1. If there is other insurance covering the same loss or damage, we will pay only, for the amount of covered loss or damage in excess of the amount due from that other insurance, whether you can collect on it or not. But we will not pay more than the applicable Limit of Insurance of Section I — Property. 2. Business Liability Coverage is excess over: 3. Your interest in the Covered Property; or a. Any other insurance that insures for direct 4. A claim under this policy. physical loss or damage; or BP 00 03 01 10 © Insurance Services Office, Inc., 2009 Page 43 of 44 b. Any other primary insurance available to you covering liability for damages arising out of the premises or operations for which you have been added as an additional insured by attachment of an endorsement. 3. When this insurance is excess, we will have no duty under Business Liability Coverage to defend any claim or "suit" that any other insurer has a duty to defend. 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. I. Premiums 1. The first Named Insured shown in the Declarations: a. Is responsible for the payment of all premiums; and b. Will be the payee for any return premiums we pay. 2. The premium shown in the Declarations was computed based on rates in effect at the time the policy was issued. On each renewal, continuation or anniversary of the effective date of this policy, we will compute the premium in accordance with our rates and rules then in effect. 3. With our consent, you may continue this policy in force by paying a continuation premium for each successive one-year period. The premium must be: a. Paid to us prior to the anniversary date; and b. Determined in accordance with Paragraph 2. above. Our forms then in effect will apply. If you do not pay the continuation premium, this policy will expire on the first anniversary date that we have not received the premium. 4. Undeclared exposures or change in your business operation, acquisition or use of locations may occur during the policy period that are not shown in the Declarations. If so, we may require an additional premium. That premium will be determined in accordance with our rates and rules then in effect. J. Premium Audit 1. This policy is subject to audit if a premium designated as an advance premium is shown in the Declarations. We will compute the final premium due when we determine your actual exposures. 2. Premium shown in this policy as advance premiurn is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earner) premium, we will return the excess to the first Named Insured, 3. The first Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request. K. Transfer Of Rights Of Recovery Against Others To Us 1. Applicable to Businessowners Property Coverage: If any person or organization to or for whom we make payment under this policy has rights to recover damages from another, those rights are transferred to us to the extent of our payment. That person or organization must do everything necessary to secure our rights and must do nothing after loss to impair them,. But you may waive your rights against another party in writing: a. Prior to a loss to your Covered Property. b. After a loss to your Covered Property only if, at time of loss, that party is one of the following: (1) Someone insured by this insurance; (2) A business firm: (a) Owned or controlled by you; or (b) That owns or controls you; or (3) Your tenant. You may also accept the usual bills of lading or shipping receipts limiting the liability of carriers. This will not restrict your insurance. 2. Applicable to Businessowners Liability Coverage: If the insured has rights to recover all or part of any payment we have made under this policy, those rights are transferred to us. The insured' must do nothing after, loss to impair them. At our, request, the insured 'will brined "SLht" or transfer those rights to us and help us enforce there. This condition does not apply to Medical Expenses Coverage. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred) without our written consent except in the case of death of an individual Named Insured. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative, Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. 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