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PROOF OF INSURANCE (2019) CLOSED Client#: 1057753 PAYMEHOL ACORDTM CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDDIYYYY)3/07/2019 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 any rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: _ Insurance 2 012 N Rocky Point/Drive LC N,Ex ....8.1.3...321-75.0.0..................................................................................................J..L�rcwNo): 81.3..321-7525 Suite400 .....__._._._._.�............................�... ........................................................ INSURER(S)AFFORDING COVERAGENAIC# INSURER A Tampa, FL 33607 Ohl.Security Insurance Company 24082 : p y INSURED INSURER B:Ohio Casualty Insurance Company 24074 Paymentus Corporation """"" .""""""" INSURER C:Travelers Indemnity Company of CT 25682 13024 Ballantyne Corporate Place INSURER D Suite450 m.............._.�..............___._.. ._._ INSURER E: Charlotte,NC 28277 INSURER F: COVERAGES 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 CONTRACTOR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY TIE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEJ REDUCED BY PAID CLAIMS. I ^^ TYPE OF INSURANCE AODL YyVD POLICY NUMBER IMhV . ........ ......._XD_DL,.......»......-. .. SUBR POLIO'EFF POLICY EXP LIMIT-- LTR INSR .u......Y..W........................................................ ODJYYYY) dMM1DD�1 YY7 COMMERCIAL GENERAL . ..............._.....1 ................. . ..PLIABILITY q OCCURRENCE $1,000 OOO M A X CLAIMS-MADE X occuR BKS1958546002 08 09 20 8 0 SEH@ c RIwNq•ED AM �p ...... ......� ___ S�E4 x_300 000 X BI/PD Ded:500 MED EXP(Any one person) $15,000 ............... PERSONAL&ADV INJURY $,1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000,000 PRO- PRODUCTS $2 000,000 POLICY JECT 0LOC r OTHER: A AUTOMOBILE LIABILITY BAS1958546002 08/09/2018 08/09/201 COMBINED SINGLE LIMIT 000,000 _...........W �acciden�_..__ ....... _. $1, X ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY(Per accident) $ ..... $ .,.. � HIRED I NON-OWNED ............�........................................... .......�,-......................... PROPERTY DAMAGE NLY ..................................... ..('Par accrdtan'p.11,11.,.,......""".-___X AUTOS O B UMBRELLA LIAB OCCUR AGGREGATE .......................................................e.$1,OdOO,0000........_... , 10,900,000 �( EXCESS LI IAB � ,CLAIMS-MADE US01958546002 OS/O9/201 S OS/O9/201�EACH OCCURRENCE $ DEDI. ..................... __ _ $ C AND EMPLOYERS'COMPENSATION UB7J41039318 08/09/2018 08/09/2019.. �STATI........ W Y PROP RI OMONPE ASRATTINENR'EXECUTIVE E.L.EACH ACCIDENT RETENTION$10000 IT CIDE T I07H- L�O YIN .�................... - $1,000,000 OF'FICER)MEMBER EX'CLUDE'D? � N/A ° (Mandatory In NH) E.L.DISEASE-EA EMPLOYEE,$1,000,000 If yes,describe under DESCRIPTION OF OPERATIONS belowE;L,DISEASE-,POLICY,LIMIT $1,000,000 ..1..1..1.1.... D Crime 82368980 08/09/2018 08/09/201 $20,000,000 * Prof&Cyber Various 08/0912018 08/09/201 $60,000,000 See Next Paqe DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES(ACORD 101,Additional Remarks Schedule,maybe attached if more space is required) *Professional&Excess Professional&Cyber Liability: Policy#018018598-Carrier: National Union Fire Ins-Effective 8/9/2018-2019-Limit: $10,000,000 Policy#MTE004184205-Carrier: Greenwich Insurance Co.-Effective 8/9/2018-2019 -Limit:$10,000,000 Policy#PO0100003847001 -Carrier:Axis Insurance Co.-Effective 8/9/2018-2019-Limit: $10,000,000 Policy#EMU126514-Carrier: Hudson Specialty Insurance Co.-Effective 8/9/2018-2019-Limit:$10,000,000 (See Attached Descriptions) CERTIFICATE HOLDER CANCELLATION Cit of EI Segundo CA SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Y g ( ) THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN 350 Main Street ACCORDANCE WITH THE POLICY PROVISIONS. EI Segundo,CA 90245 AUTHORIZED REPRESENTATIVE ©1988-2015 ACORD CORPORATION.All rights reserved. ACORD 25(2016/03) 1 of 2 The ACORD name and logo are registered marks of ACORD #S25154288/M23702745 JXPEW DESCRIPTIONS (Continued from Page 1) Policy#PH1800769-Carrier: Lloyds of London-Effective 8/9/2018-2019-Limit:$10,000,000 Policy#652024674-Carrier:Continental Casualty Company-Effective 8/9/2018-2019-Limit:$10,000,000 Crime Limits: Employee Theft-$20,000,000 Limit/$100,000 Retention Premises-$20,000,000 Limit/$100,000 Retention In Transit-$20,000,000 Limit/$100,000 Retention Forgery-$20,000,000 Limit/$100,000 Retention Computer Fraud-$20,000,000 Limit/$100,000 Retention Funds Transfer Fraud-$20,000,000 Limit/$100,000 Retention Money Orders&Counterfeit Currency Fraud-$20,000,000 Limit/$100,000 Retention Client Card Fraud-$20,000,000 Limit/$100,000 Retention Client-$20,000,000 Limit/$100,000 Retention Expense-$250,000 Limit/NA Social Engineering Fraud Coverage-$250,000 Limit/$100,000 Retention SAGITTA 25.3(2016/03) 2 of 2 #S25154288/M23702745 COMMERCIAL GENERAL LIABILITY CG 88 10 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY EXTENSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART INDEX SUBJECT PAGE NON-OWNED AIRCRAFT 2 NON-OWNED WATERCRAFT 2 PROPERTY DAMAGE LIABILITY -ELEVATORS 2 EXTENDED DAMAGE TO PROPERTY RENTED TO YOU (Tenant's Property Damage) 2 MEDICAL PAYMENTS EXTENSION 3 EXTENSION OF SUPPLEMENTARY PAYMENTS -COVERAGES A AND B 3 ADDITIONAL INSUREDS -BY CONTRACT, AGREEMENT OR PERMIT 3 PRIMARY AND NON-CONTRIBUTORY- ADDITIONAL INSURED EXTENSION 5 ADDITIONAL INSUREDS -EXTENDED PROTECTION OF YOUR "LIMITS OF INSURANCE" 6 WHO IS AN INSURED -INCIDENTAL MEDICAL ERRORS/MALPRACTICE AND WHO IS AN INSURED -FELLOW EMPLOYEE EXTENSION -MANAGEMENT EMPLOYEES 6 NEWLY FORMED OR ADDITIONALLY ACQUIRED ENTITIES 7 FAILURE TO DISCLOSE HAZARDS AND PRIOR OCCURRENCES 7 KNOWLEDGE OF OCCURRENCE, OFFENSE, CLAIM OR SUIT 7 LIBERALIZATION CLAUSE 7 BODILY INJURY REDEFINED 7 EXTENDED PROPERTY DAMAGE 8 WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US - 8 WHEN REQUIRED IN A CONTRACT OR AGREEMENT WITH YOU © 2013 Liberty Mutual Insurance CG 88 10 04 13 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 1 of 8 With respect to coverage afforded by this endorsement, the provisions of the policy apply unless modified by the endorsement. A. NON-OWNED AIRCRAFT Under Paragraph 2. Exclusions of Section I - Coverage A - Bodily Injury And Property Damage Liability, exclusion g. Aircraft, Auto Or Watercraft does not apply to an aircraft provided: 1. It is not owned by any insured; 2. It is hired, chartered or loaned with a trained paid crew; 3. The pilot in command holds a currently effective certificate, issued by the duly constituted authority of the United States of America or Canada, designating her or him a commercial or airline pilot; and 4. It is not being used to carry persons or property for a charge. However, the insurance afforded by this provision does not apply if there is available to the insured other valid and collectible insurance, whether primary, excess (other than insurance written to apply specifically in excess of this policy), contingent or on any other basis, that would also apply to the loss covered under this provision. B. NON-OWNED WATERCRAFT Under Paragraph 2. Exclusions of Section I -Coverage A-Bodily Injury And Property Damage Liability, Subparagraph (2) of exclusion g. Aircraft, Auto Or Watercraft is replaced by the following: This exclusion does not apply to: (2) A watercraft you do not own that is: (a) Less than 52 feet long; and (b) Not being used to carry persons or property for a charge. C. PROPERTY DAMAGE LIABILITY -ELEVATORS 1. Under Paragraph 2. Exclusions of Section I - Coverage A - Bodily Injury And Property Damage Liabil- ity, Subparagraphs (3), (4) and (6) of exclusion j. Damage To Property do not apply if such "property damage" results from the use of elevators. For the purpose of this provision, elevators do not include vehicle lifts. Vehicle lifts are lifts or hoists used in automobile service or repair operations. 2. The following is added to Section IV - Commercial General Liability Conditions, Condition 4. Other Insurance, Paragraph b. Excess Insurance: The insurance afforded by this provision of this endorsement is excess over any property insurance, whether primary, excess, contingent or on any other basis. D. EXTENDED DAMAGE TO PROPERTY RENTED TO YOU (Tenant's Property Damage) If Damage To Premises Rented To You is not otherwise excluded from this Coverage Part: 1. Under Paragraph 2. Exclusions of Section I -Coverage A-Bodily Injury and Property Damage Liability: a. The fourth from the last paragraph of exclusion j. Damage To Property is replaced by the follow- ing: Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" (other than damage by fire, lightning, explosion, smoke, or leakage from an automatic fire protection system) to: (i) Premises rented to you for a period of 7 or fewer consecutive days; or (ii) Contents that you rent or lease as part of a premises rental or lease agreement for a period of more than 7 days. Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" to contents of premises rented to you for a period of 7 or fewer consecutive days. A separate limit of insurance applies to this coverage as described in Section III - Limits of Insurance. © 2013 Liberty Mutual Insurance CG 88 10 04 13 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 2 of 8 b. The last paragraph of subsection 2. Exclusions is replaced by the following: Exclusions c. through n. do not apply to damage by fire, lightning, explosion, smoke or leakage from automatic fire protection systems to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section III -Limits Of Insurance. 2. Paragraph 6. under Section III -Limits Of Insurance is replaced by the following: 6. Subject to Paragraph 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of "property damage" to: a. Any one premise: (1) While rented to you; or (2) While rented to you or temporarily occupied by you with permission of the owner for damage by fire, lightning, explosion, smoke or leakage from automatic protection sys- tems; or b. Contents that you rent or lease as part of a premises rental or lease agreement. 3. As regards coverage provided by this provision D. EXTENDED DAMAGE TO PROPERTY RENTED TO YOU (Tenant's Property Damage) -Paragraph 9.a. of Definitions is replaced with the following: 9.a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire, lightning, explosion, smoke, or leakage from automatic fire protection systems to premises while rented to you or temporarily occupied by you with the permission of the owner, or for damage to contents of such premises that are included in your premises rental or lease agreement, is not an "insured contract". E. MEDICAL PAYMENTS EXTENSION If Coverage C Medical Payments is not otherwise excluded, the Medical Payments provided by this policy are amended as follows: Under Paragraph 1. Insuring Agreement of Section I - Coverage C -Medical Payments, Subparagraph (b) of Paragraph a. is replaced by the following: (b) The expenses are incurred and reported within three years of the date of the accident; and F. EXTENSION OF SUPPLEMENTARY PAYMENTS -COVERAGES A AND B 1. Under Supplementary Payments -Coverages A and B, Paragraph 1.b. is replaced by the following: b. Up to $3,000 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. 2. Paragraph 1.d. is replaced by the following: 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 $500 a day because of time off from work. " G. ADDITIONAL INSUREDS -BY CONTRACT, AGREEMENT OR PERMIT 1. Paragraph 2. under Section II -Who Is An Insured is amended to include as an insured any person or organization whom you have agreed to add as an additional insured in a written contract, written agreement or permit. Such person or organization is an additional insured but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused in whole or in part by: a. Your acts or omissions, or the acts or omissions of those acting on your behalf, in the performance of your on going operations for the additional insured that are the subject of the written contract or written agreement provided that the "bodily injury" or "property damage" occurs, or the "per- sonal and advertising injury" is committed, subsequent to the signing of such written contract or written agreement; or © 2013 Liberty Mutual Insurance CG 88 10 04 13 Includes copyrighted material of Insurance Services Office,Inc.,with its permission, Page 3 of 8 b. Premises or facilities rented by you or used by you; or c. The maintenance, operation or use by you of equipment rented or leased to you by such person or organization; or d. Operations performed by you or on your behalf for which the state or political subdivision has issued a permit subject to the following additional provisions: (1) This insurance does not apply to "bodily injury", "property damage", or "personal and ad- vertising injury" arising out of the operations performed for the state or political subdivision; (2) This insurance does not apply to "bodily injury" or "property damage" included within the "completed operations hazard". (3) Insurance applies to premises you own, rent, or control but only with respect to the following hazards: (a) The existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoist away openings, sidewalk vaults, street banners, or decorations and similar expo- sures; or (b) The construction, erection, or removal of elevators; or (c) The ownership, maintenance, or use of any elevators covered by this insurance. However: 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insur- ance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. With respect to Paragraph 1.a. above, a person's or organization's status as an additional insured under this endorsement ends when: (1) All work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured(s) at the location of the covered operations has been completed; or (2) That portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. With respect to Paragraph 1.b. above, a person's or organization's status as an additional insured under this endorsement ends when their written contract or written agreement with you for such premises or facilities ends. With respects to Paragraph 1.c. above, this insurance does not apply to any "occurrence" which takes place after the equipment rental or lease agreement has expired or you have returned such equipment to the lessor. The insurance provided by this endorsement applies only if the written contract or written agreement is signed prior to the "bodily injury" or "property damage". We have no duty to defend an additional insured under this endorsement until we receive written notice of a "suit" by the additional insured as required in Paragraph b. of Condition 2. Duties In the Event Of Occurrence, Offense, Claim Or Suit under Section IV - Commercial General Liability Condi- tions. © 2013 Liberty Mutual Insurance CG 88 10 04 13 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 4 of 8 2. With respect to the insurance provided by this endorsement, the following are added to Paragraph 2. Exclusions under Section I -Coverage A-Bodily Injury And Property Damage Liability: This insurance does not apply to: a. "Bodily injury" or "property damage" arising from the sole negligence of the additional insured. b. "Bodily injury" or "property damage" that occurs prior to you commencing operations at the location where such "bodily injury" or "property damage" occurs. c. "Bodily injury", "property damage" or "personal and advertising injury" arising out of the render- ing of, or the failure to render, any professional architectural, engineering or surveying services, including: (1) The preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (2) Supervisory, inspection, architectural or engineering activities. 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 "occur- rence" which caused the "bodily injury" or "property damage", or the offense which caused the "personal and advertising injury", involved the rendering of, or the failure to render, any professional architectural, engineering or surveying services. d. "Bodily injury" or "property damage" occurring after: (1) All work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured(s) at the location of the covered operations has been completed; or (2) That portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. e. Any person or organization specifically designated as an additional insured for ongoing operations by a separate ADDITIONAL INSURED -OWNERS, LESSEES OR CONTRACTORS endorsement is- sued by us and made a part of this policy. 3. With respect to the insurance afforded to these additional insureds, the following is added to Section III -Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: a. Required by the contract or agreement; or b. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declaratio ns. H. PRIMARY AND NON-CONTRIBUTORY ADDITIONAL INSURED EXTENSION This provision applies to any person or organization who qualifies as an additional insured under any form or endorsement under this policy. Condition 4. Other Insurance of SECTION IV -COMMERCIAL GENERAL LIABILITY CONDITIONS is amend- ed as follows: a. The following is added to Paragraph a. Primary Insurance: If an additional insured's policy has an Other Insurance provision making its policy excess, and you have agreed in a written contract or written agreement to provide the additional insured coverage on a primary and noncontributory basis, this policy shall be primary and we will not seek contribution from the additional insured's policy for damages we cover. © 2013 Liberty Mutual Insurance CG 88 10 04 13 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 5 of 8 b. The following is added to Paragraph b. Excess Insurance: When a written contract or written agreement, other than a premises lease, facilities rental contract or agreement, an equipment rental or lease contract or agreement, or permit issued by a state or political subdivision between you and an additional insured does not require this insurance to be primary or primary and non-contributory, this insurance is excess over any other insurance for which the addi- tional insured is designated as a Named Insured. Regardless of the written agreement between you and an additional insured, this insurance is excess over any other insurance whether primary, excess, contingent or on any other basis for which the additional insured has been added as an additional insured on other policies. I. ADDITIONAL INSUREDS -EXTENDED PROTECTION OF YOUR "LIMITS OF INSURANCE" This provision applies to any person or organization who qualifies as an additional insured under any form or endorsement under this policy. 1. The following is added to Condition 2. Duties In The Event Of Occurrence, Offense, Claim or Suit: An additional insured under this endorsement will as soon as practicable: a. Give written notice of an "occurrence" or an offense that may result in a claim or "suit" under this insurance to us; b. Tender the defense and indemnity of any claim or "suit" to all insurers whom also have insurance available to the additional insured; and c. Agree to make available any other insurance which the additional insured has for a loss we cover under this Coverage Part. d. We have no duty to defend or indemnify an additional insured under this endorsement until we receive written notice of a"suit" by the additional insured. 2. The limits of insurance applicable to the additional insured are those specified in a written contract or written agreement or the limits of insurance as stated in the Declarations of this policy and defined in Section III - Limits of Insurance of this policy, whichever are less. These limits are inclusive of and not in addition to the limits of insurance available under this policy. J. WHO IS AN INSURED -INCIDENTAL MEDICAL ERRORS/MALPRACTICE WHO IS AN INSURED -FELLOW EMPLOYEE EXTENSION -MANAGEMENT EMPLOYEES Paragraph 2.a.(1) of Section II -Who Is An Insured is replaced with the following: (1) "Bodily injury" or "personal and advertising injury": (a) To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), to a co-"employee" while in the course of his or her employ- ment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business; (b) To the spouse, child, parent, brother or sister of that co-"employee" or "volunteer worker" as a consequence of Paragraph (1) (a) above; (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraphs (1) (a) or (b) above; or (d) Arising out of his or her providing or failing to provide professional health care services. However, if you are not in the business of providing professional health care services or providing profes- sional health care personnel to others, or if coverage for providing professional health care ser- vices is not otherwise excluded by separate endorsement, this provision (Paragraph (d)) does not apply. Paragraphs (a) and (b) above do not apply to "bodily injury" or "personal and advertising injury" caused by an "employee" who is acting in a supervisory capacity for you. Supervisory capacity as used herein means the "employee's" job responsibilities assigned by you, includes the direct supervision of other "employ- ees" of yours. However, none of these "employees" are insureds for "bodily injury" or "personal and © 2013 Liberty Mutual Insurance CG 88 10 04 13 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 6 of 8 advertising injury" arising out uftheir willful conduct, which isdefined oothe purposeful or willful intent to cause "bodily injury" or "personal and advertising injury" or caused in whole or in pad by their intoxica- tion by liquor or controlled substances. The coverage provided by provision J' ioexcess over any other valid and collectable insurance available to your "employee". K. NEWLY FOR08EDORADDIT|ON/\LLY ACQUIRED ENTITIES Paragraph 3. ofSection U 'Who |sAqInsured is replaced bythe following: 3. Any organization you navv|y acquire or form and over which you maintain ownership or majority intenuet, will qualify as o Named Insured if there is no other similar insurance available to that organization. However: a. Coverage under this provision is afforded only until the expiration of the policy period in which the entity was acquired or formed by you; b. Coverage Ad000 not apply to "bodily injury" or "property damage" that occurred bahonu you acquired or formed the organization; and u. Coverage B does not apply to "personal and advertising injury" arising out of on offense committed before you acquired or formed the organization. d. Records and descriptions of operations must be maintained bythe first Named Insured. No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown aomNamed Insured in the Declarations or qualifies aoaninsured under this provision. L. FAILURE TODISCLOSE HAZARDS AND PRIOR OCCURRENCES Under Section IV 'Commercial General Liability Cnnditione, the following is added to Condition G. Repre- sentations: Your failure to disclose all hazards or prior "occurrences" existing amnfthe inception duhu of the policy shall not prejudice the onvunoge afforded by this policy provided such failure to disclose all hazards or prior "occurrences" is not intentional. M. KNOWLEDGE OF OCCURRENCE, OFFENSE, CLAIM OR SUIT Under Section |V 'Cmmmeroiol General Liability Conditions, the following in added to Condition 2. Duties InThe Event mfOccurrence, Offense, Claim 0rSuit: Knowledge of an ^ocounenoe", ofenme, claim or "suit" by an agomt, servant or "employee" of any insured shall not in itself constitute knowledge of the insured unless an insured listed under Paragraph 1. of Section || 'VVho Is An Insured or a person who has been designated by them to receive reports of ^ocoumynoes", offenses, claims or "nuko" ohn|| have received such notice from the ogent, servant or "employee". � � N. LIBERALIZATION CLAUSE If we revise this Commercial General Liability Extension Endorsement to provide more coverage without n additional premium charge, your policy will muhmmeUca||y provide the coverage aaofthe day the revision is effective in your state. 0. BODILY INJURY REDEFINED Under Seobwo V 'Qwfiodiono, Definition 3. is replaced by the following: 3. "Bodily Injury" means physical irjury, nioknonn or disease sustained by apemon. This includes mental anguish, mental /n/ury, nhnnk, fright or death that results from such physical injury. sick- ness ordisease. � 2013Liberty Mutual Insurance CG 88 10 04 13 Includes copyrighted material ofInsurance Services Office,|no..with its permission. Page 7of8 P. EXTENDED PROPERTY DAMAGE Exclusion a. of COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY is replaced by the following: a. Expected Or Intended Injury "Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property. Q. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US - WHEN REQUIRED IN A CONTRACT OR AGREEMENT WITH YOU Under Section IV -Commercial General Liability Conditions, the following is added to Condition 8. Trans- fer Of Rights Of Recovery Against Others To Us: N We waive any right of recovery we may have against a person or organization because of payments we make for injury or damage arising out of your ongoing operations or "your work" done under a contract with that person or organization and included in the "products-completed operations hazard" provided: 1. You and that person or organization have agreed in writing in a contract or agreement that you waive such rights against that person or organization; and 2. The injury or damage occurs subsequent to the execution of the written contract or written agree- ment. © 2013 Liberty Mutual Insurance CG 88 10 04 13 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 8 of 8 COMMERCIAL AUTO AC 84 83 09 17 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VIRGINIA BUSINESS AUTO COVERAGE ENHANCEMENT ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM With respect to coverage afforded by this endorsement, the provisions of the policy apply unless modified by the endorsement. COVERAGEINDEX SUBJECT PROVISION NUMBER ACCIDENTAL AIRBAG DEPLOYMENT 9 EMPLOYEES AS INSUREDS 1 EXTENDED CANCELLATION CONDITION 17 GLASS REPAIR-WAIVER OF DEDUCTIBLE 12 HIRED AUTO COVERAGE TERRITORY 16 ® HIRED AUTO PHYSICAL DAMAGE 3 HYBRID, ELECTRICOR NATURAL GAS VEHICLE PAYMENT COVERAGE 8 LOAN /LEASE GAP COVERAGE 10 PARKED AUTO COLLISION COVERAGE(WAIVER OF DEDUCTIBLE) 13 PERSONAL EFFECTSCOVERAGE 7 PHYSICAL DAMAGE -ADDITIONAL TRANSPORTATION EXPENSE COVERAGE 5 PHYSICAL DAMAGE DEDUCTIBLE -SINGLE DEDUCTIBLE 11 PHYSICAL DAMAGE DEDUCTIBLE -VEHICLE TRACKING SYSTEM 14 RENTAL REIMBURSEMENT 6 SUPPLEMENTARY PAYMENTS 2 TOWING AND LABOR 4 WAIVER OF TRANSFER OF RIGHTS OF RECOVERYAGAINST OTHERS TO US 15 SECTION II-LIABILITY COVERAGE is amended as follows: 1. EMPLOYEES AS INSUREDS Paragraph A.1. Who Is An Insured of SECTION II - LIABILITY COVERAGE is amended by adding the following: d. 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. m e. Any "employee" of yours is an "insured" while operating an "auto" hired or rented under a contract or agreement in that "employee's" name, with your permission, while performing duties related to the conduct of your business. 2. SUPPLEMENTARY PAYMENTS Paragraphs 2.a.(2) and 2.a.(4) of SECTION II-LIABILITY COVERAGE are replaced by the following: (2) Up to $3,500 for cost of bail bonds (including bonds for related traffic violations ) required because of an "accident" we cover. We do not have to furnish these bonds. (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. © 2017 Liberty Mutual Insurance AC 84 83 09 17 Includes copyrighted material of Insurance Services Office,Inc.,with its permission„ Page 1 of 5 SECTION III-PHYSICAL DAMAGE COVERAGE is amended as follows: 3. HIRED AUTO PHYSICAL DAMAGE A. We will pay for 'loss" under Comprehensive and Collision coverages to a covered "auto" of the private passenger type hired without an operator for use in your business: 1. The most we will pay for coverage afforded by this endorsement is the lesser of: (a) The actual cost to repair or replace such covered "auto" with other property of like kind and quality; or (b) The actual cash value of such covered "auto" at the time of the 'loss". 2. An adjustment for depreciation and physical condition will be made in determining actual cash value in the event of a total 'loss". 3. If a repair or replacement results in better than like kind or quality, we will not pay for the amount of the betterment. B. For each covered "auto", our obligation to pay for, repair, return or replace the covered "auto" will be reduced by any deductible shown in the Declarations that applies to private passenger "autos" that you own. If no applicable deductible is shown in the Declarations, the deductible will be $250. C. Paragraph A.4.b. of SECTION III -PHYSICAL DAMAGE COVERAGE is replaced by: b. Loss Of Use Expenses For Hired Auto Physical Damage provided by this endorsement, we will pay expenses for which an "insured" becomes legally responsible to pay for loss of use of a private pas- senger vehicle rented or hired without a driver, under a written rental contract or agree- ment. We will pay for loss of use expenses caused by: (1) Other than collision only if the Declarations indicate that Comprehensive Coverage is provided for any covered "auto"; (2) Specified Causes Of Loss only if the Declarations indicate that Specified Causes Of Loss coverage is provided for any covered "auto"; or (3) Collision only if the Declarations indicate that Collision Coverage is provided for any covered "auto". However, the most we will pay under this coverage is $30 per day, subject to a maximum of $900. D. This provision applies only to those "autos" you lease, hire, rent or borrow. This does not include any "auto" you lease, hire, rent, or borrow from any of your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households. 4. TOWING AND LABOR Paragraph A.2. Towing of SECTION III - PHYSICAL DAMAGE COVERAGE, is amended by adding the following: We will pay towing and labor costs incurred, up to the limits shown below, each time a covered "auto" classified and rated as a private passenger type, 'light truck" or "medium truck" is dis- abled: a. For private passenger type vehicles, we will pay up to $75 per disablement. b. For 'light trucks", we will pay up to $75 per disablement. "Light trucks" are trucks that have a gross vehicle weight (GVW) of 10,000 pounds or less. c. For "medium trucks", we will pay up to $150 per disablement. "Medium trucks" are trucks that have a gross vehicle weight (GVW) of 10,001 -20,000 pounds. However, the labor must be performed at the place of disablement. If CA 85 50, Towing - Commercial Autos, is attached to this policy, the limits indicated in CA 85 50 replace the limits indicated in this provision. The insurance provided under this provision is excess over any other collectible insurance. © 2017 Liberty Mutual Insurance AC 84 83 09 17 Includes copyrighted material of Insurance Services Office,Inc.,with its permission„ Page 2 of 5 5. PHYSICAL DAMAGE- ADDITIONAL TRANSPORTATION EXPENSE COVERAGE Paragraph A.4.a. Transportation Expenses of SECTION III - PHYSICAL DAMAGE COVERAGE is amended to provide a limit of $50 per day and a maximum limit of $1,500. 6. RENTAL REIMBURSEMENT Paragraph A. Coverage of SECTION III - PHYSICAL DAMAGE COVERAGE is amended by adding the following: a. We will pay up to $75 per day for rental reimbursement expenses incurred by you for the rental of an "auto" because of "accident" or "loss", to an "auto" for which we also pay a "loss" under Comprehensive, Specified Causes of Loss or Collision Coverages. We will pay only for those expenses incurred after the first 24 hours following the "accident" or "loss" to the covered "auto". Payment applies in addition to the otherwise applicable amount of each cov- erage you have on a covered "auto". No deductible applies to this coverage. b. Rental Reimbursement will be based on the rental of a comparable vehicle, which in many cases may be substantially less than $75 per day, and will only be allowed for the period of time it should take to repair or replace the vehicle with reasonable speed and similar quality, up to a maximum of 30 days. c. We will also pay up to $500 for reasonable and necessary expenses incurred by you to remove and replace your tools and equipment from the covered "auto". d. This coverage does not apply while there are spare or reserve "autos" available to you for your operations. e. If "loss" results from the total theft of a covered "auto" of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided under Paragraph 4. Coverage Extensions. If this policy also provides Rental Reimbursement Coverage you purchased, the coverage provided by this Enhancement Endorsement is in addition to the coverage you purchased. For the purposes of this endorsement provision, materials and equipment do not include "personal effects" as defined in Provision 7. The insurance provided under this provision is excess over any other collectible insurance. 7. PERSONAL EFFECTS COVERAGE Paragraph A. Coverage of SECTION III -PHYSICAL DAMAGE COVERAGE is amended by adding the following: If you have purchased Comprehensive Coverage on this policy for an "auto" you own and that "auto" is stolen, we will pay, without application of a deductible, up to $600 for "personal effects" stolen with the "auto." The insurance provided under this provision is excess over any other collectible insurance. For the purposes of this provision, "personal effects" mean tangible property that is worn or carried by an "insured". "Personal effects" does not include tools, the equipment in the stolen "auto" covered by the Physical Damaged Coverage, jewelry, money or securities. 8. HYBRID, ELECTRIC OR NATURAL GAS VEHICLE PAYMENT COVERAGE In the event of a total "loss" to a "non-hybrid auto" for which Comprehensive, Specified Causes of Loss or Collision coverages are provided under this Coverage Form, such Physical Damage Cov- erages are amended as follows: a. If the auto is replaced with a "hybrid auto" or an auto powered solely by electricity or natural gas, we will pay an additional 10%, to a maximum of $2,500, of the "non-hybrid auto's" actual cash value or replacement cost whichever is less. b. The auto must be replaced and a copy of a bill of sale or new lease agreement received by us within 60 calendar days of the date of "loss". c. Regardless of the number of autos deemed a total "loss", the most we will pay under this Hybrid, Electric or Natural Gas Vehicle Payment Coverage provision for any one "loss" is $10,000. © 2017 Liberty Mutual Insurance AC 84 83 09 17 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 3 of 5 For the purposes of the provision: a. A "non-hybrid auto" is defined as an auto that uses only an internal combustion engine to move the auto. b. A "hybrid auto" is defined as an auto with an internal combustion engine and one or more electric motors; and that uses the internal combustion engine and one or more electric motors to move the auto, or the internal combustion engine to charge one or more electric motors, which move the auto. 9. ACCIDENTAL AIRBAG DEPLOYMENT Paragraph B.3. of SECTION III - PHYSICAL DAMAGE COVERAGE is amended by adding the follow- ing: c. This exclusion for "loss" relating to mechanical breakdown does not apply to accidental dis- charge of an airbag if that "auto" is a covered "auto" for Comprehensive Coverage under this policy. Any insurance we provide shall be excess over any other collectible insurance or reimbursement by manufacturer's warranty. However, we agree to pay any deductible applicable to the other cov- erage or warranty. 10. LOAN / LEASE GAP COVERAGE Paragraph C. Limit Of Insurance of SECTION III - PHYSICAL DAMAGE COVERAGE is amended by adding the following: In the event of a total "loss' to a covered "auto" shown in the Vehicle Schedule, we will pay any unpaid amount due on the lease or loan for a covered "auto", less: a. The amount paid under the Physical Damage Coverage Section of the policy; and b. Any: (1) Overdue lease/loan payments at the time of the "loss"; (2) Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage; (3) Security deposits not returned by the lessor; (4) Costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insur- ance purchased with the loan or lease; and (5) Carry-over balances from previous loans or leases. 11. PHYSICAL DAMAGE DEDUCTIBLE -SINGLE DEDUCTIBLE Paragraph D. Deductible of SECTION III - PHYSICAL DAMAGE COVERAGE is deleted and replaced by the following: D. Deductible For each covered "auto", our obligation to pay for, repair, return or replace damaged or stolen property will be reduced by the applicable deductible shown in the Declarations. Any Com- prehensive Coverage deductible shown in the Declarations does not apply to "loss" caused by fire or lightning. When two or more covered "autos" sustain "loss" in the same collision, the total of all the "loss" for all the involved covered "autos" will be reduced by a single deductible, which will be the largest of all the deductibles applying to all such covered "autos". However, if you would receive a higher payment if the separate deductible applicable to each covered "auto" were applied, such higher payment will apply. 12. GLASS REPAIR-WAIVER OF DEDUCTIBLE Paragraph D. Deductible of SECTION III - PHYSICAL DAMAGE COVERAGE is amended by adding the following: No deductible applies to "loss" to glass if the glass is repaired rather than replaced. © 2017 Liberty Mutual Insurance AC 84 83 09 17 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 4 of 5 13. PARKED AUTO COLLISION COVERAGE(WAIVER OF DEDUCTIBLE) Paragraph D. Deductible of SECTION III - PHYSICAL DAMAGE COVERAGE is amended by adding the following: The deductible does not apply to "loss" caused by collision to such covered "auto" of the private passenger type or lightweight truck with a gross vehicle weight of 10,000 lbs. or less as defined by the manufacturer as maximum loaded weight the "auto" is designed to carry while it is: a. In the charge of an "insured"; b. Legally parked; and c. Unoccupied. The "loss" must be reported to the police authorities within 24 hours of known damage. The total amount of the damage to the covered "auto" must exceed the deductible shown in the Declarations. This provision does not apply to any "loss" if the covered "auto" is in the charge of any person or organization engaged in the automobile business. 14. PHYSICAL DAMAGE DEDUCTIBLE -VEHICLE TRACKING SYSTEM Paragraph D. Deductible of SECTION III - PHYSICAL DAMAGE COVERAGE is amended by adding the following: ® Any Comprehensive Coverage Deductible shown in the Declarations will be reduced by 50%for any "loss" caused by theft if the covered "auto" is equipped with a vehicle tracking device, such as a radio-tracking device or a global positioning device, and that device was the method of recovery of the covered "auto". SECTION IV -BUSINESS AUTO CONDITIONS is amended as follows: 15. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Paragraph A.5. Transfer Of Rights Of Recovery Against Others To Us of SECTION IV - BUSINESS AUTO CONDITIONS is amended by adding the following: If the person or organization has waived those rights before an "accident" or "loss", our rights are waived also. 16. HIRED AUTO COVERAGE TERRITORY Paragraph B.7. Policy Period, Coverage Territory of SECTION IV -BUSINESS AUTO CONDITIONS is amended by adding the following: (6) For "autos" hired 30 days or less, the coverage territory is anywhere in the world, provided that the "insured's" responsibility to pay for damages is determined in a"suit", on the merits in the United States, the territories and possessions of the United States of America, Puerto Rico or Canada or in a settlement we agree to. This extension of coverage does not apply to an "auto" hired, leased, rented or borrowed with a driver. ® COMMMON POLICY CONDITIONS 17. EXTENDED CANCELLATION CONDITION m Paragraph A. Cancellation of COMMON POLICY CONDITIONS applies except as follows: If we cancel for any reason other than nonpayment of premium, we will mail notice at least 60 days before the effective date of cancellation. © 2017 Liberty Mutual Insurance AC 84 83 09 17 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 5 of 5