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PROOF OF INSURANCE (2020 - 2020) CLOSEDRHALAND-01 S QJNi ALEZ CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDD/YYYY) 8/151201 9 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(les) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to thecertificate holder in lieu of such endorsement(s). wmm.. Jennifer ouse License # 0757776 CONTACT PRODUCER NAME: HUB International Insurance Services Inc. PHONE No. Ext (951) 779-8581 G,vc,No 951 231-2572 PO Box 5345 ! )3 a Riverside, CA 92517aDEss; cal.cpu@htibinternational.com btfbinternational.com INSURER(S) AFFORDING COVERAGE„ . „ .,, NAIC # INSURER A; Citizens Insurance Company ,ofAmerica 31534 INSURED INSURER 13; Security National Insurance Company (Am Trust) 19879,,,,,,,,,, RHA Landscape Architects -Planners, Inc. INSURER c, Continental Casualty Company 20443 6800 Indiana Ave, Ste 245 INSURER D: Riverside, CA 92506 INSURER E 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 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, TYPE OF O SDIT�IOCE OF SUCH POLICIES. POLICY NUMBER ,CYEFF POLICY EX S ILTREXCLUSIONS AND C AODICIES LIMITS SHOWN MAY HAVE BEEN POLICY CE EFF P fklAlll� d.G?RJY�rvt LIMITS A X COMMERCIAL GENERAL LIA2,000,000 BILITY EACH OCCURRENCE (;& ' CLAIMS -MADE X OCCUR DAMAGE TO RENTED 300,000 X OB3D820387 2/3/2019 2/3/2020 1 PREMISFS(Fi,rcclarreere) $ GEN'L AGGREGATE LIMIT APPLIES PER: LjRC POLICY , X, „VEO'r LOC OTHER: ..._m..._,_..,_.........................................................�...�� $ A AUTOMOBILE LIABILITY GENERA(. AGGREGATE ANY AUTO 4,000,000 . OWNED I SCHEDULED AUTOS ONLY AUTOS X ONLY Atl,!'TFC7S ONLY „X,,,, I AUUTOS I UMBRELLA LIAB I OCCUR EXCESS LIAB CLAIMS -MADE DED RETENTION $ B WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y F N ANY PROPRIETOR/PARTNERIEXECUTIVE N N / A Q: FF�ICER/MEMBER EXCLUDED? I Mandatory in NH) if yes, describe under DES,CRIPTION OF OPERATIONS below C (Professional Liab C PROF DED: $15,000 'OB3D820387 2/3/2019 2/3/2020 - ­­­­ -------­­­ ITITITITITITITITITIT^ X SWC1248243 LA H 003011898ITITITITITITITITITITIT ILAH003011898 8/21/2019 8/21/2020 1 8/6/2019 8/6/2020 8/6/2019 8/6/2020 MED EXP (Anyone person) $ 10,000 PERSONAL. & ADV INJI.,IRY $ 2,000,000 GENERA(. AGGREGATE $ 4,000,000 PRODUCTS - COMP/OP AGG $ 2,000,000 $ COMBINED S94GLE LIMIT2,000,000 ''. I,Ev 7,caclrflP111 $, BODILY INJURY (Per,person) 1 $ BODILY, INJURY (Per accident), $ P�C}PERTY DAMAGE ., (d er atcldiarnt) S S.............................. ..A.A.m................... .. EACH OCCURRENCE„ $ (AGGREGATE S S X 1 SH TATUTE FR E.L. EACH ACCIDENT $ 1,000,000 E.L. DISEASE-EA,EMP„LOVEEi $ 1,000,000 E.L, DISEASE-POLICYLIMIT $1,000,000 ....................1,000,000 Each Claim Aggregate I 2,000,000 DESCRIPTION OF OPERATIONS / LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) RE: Recreation Park, 401 Sheldon Street, EI Segundo„ CA. The City of EI Segundo, its officers, officials, employees, agents, and volunteers are Additional Insured with regard to the General Liability policy when ,required by a written contract, per the attached endorsements 391-1006 08/16, 391-1448 08/16, Primary and Non -Contributory included. Waiver of Subrogation with regard to the Workers Compensation policy applies when required by a written contract, per the attached endorsement form WC040306 04/84. CERTIFICATE HOLDER City of EI Segundo 350 Main Street EI Segundo, CA 90245 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE ACORD 25 (2016/03) _......-ITIT© 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESSOWNERS LIABILITY SPECIAL BROADENING ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM uSUMMARY OF COVERAGES Limits Page 11. Additional Insured by Contract, Agreement or Permit p Included 1 12. Additional Insured — Broad Form Vendors Included 2 13. Alienated Premises I Included 3 Broad Form Property Damage — Borrowed Equipment, Customers Included 3 �4. Goods and Use of Elevators 15. Incidental Malpractice (Employed Nurses, EMT's and Paramedics) Included 3 6. Personal and Advertising Injury — Broad Form Included 4 17. Product Recall Expense Included 4 Product Recall Expense Each Occurrence Limit $25,000 Occurrence 5 Product Recall Expense Aggregate Limit $50,000 Aggregate 5 Product Recall Deductible $500 5 8. Unintentional Failure to Disclose Hazards Included .................................................... . 6 9. L� . Unintentional Failure to Notify Included 6 This endorsement amends coverages provided under the Businessowners Coverage Form through new coverages and broader coverage grants. This coverage is subject to the provisions applicable to the Businessowners Coverage Form, except as provided below. The following changes are made to SECTION II — LIABILITY: 1. Additional Insured by Contract, Agreement or Permit The following is added to SECTION II — LIABILITY, C. Who Is An Insured: Additional Insured by Contract, Agreement or Permit a. Any person or organization with whom you agreed in a written contract, written agreement or permit to add such person or organization as an additional insured on your policy is an additional insured only with respect to liability for "bodily injury", "property damage", or "personal and advertising injury" caused, in whole or in part, by your acts or omissions, or the acts or omissions of those acting on your behalf, but only with respect to: (1) "Your work" for the additional insured(s) designated in the contract, agreement or permit; (2) Premises you own, rent, lease or occupy; or (3) Your maintenance, operation or use of equipment leased to you. b. The insurance afforded to such additional insured described above: (1) Only applies to the extent permitted by law; and (2) Will not be broader than the insurance which you are required by the contract, agreement or permit to provide for such additional insured. (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. 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 1 of 6 c. 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 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 e. All other insuring agreements, exclusions, and conditions of the policy apply. 2. Additional Insured — Broad Form Vendors The following is added to SECTION II — LIABILITY, C. Who Is An Insured: Additional Insured — Broad Form Vendors (4) To any: a. (a) Owners or other interests from whom land has been leased if the "occurrence" takes place or the offense is committed after the lease for the land expires; or (b) Managers or lessors of premises if: (i) The "occurrence" takes place or the offense is committed 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 II — LIABILITY, D. Liability and Medical Expense Limits of Insurance: Any person or organization that is a vendor with whom you agreed in a written contract or written agreement to include as an additional insured under this Coverage Part is an insured, but only with respect to liability for "bodily injury" or "property damage" arising out of "your products" which are distributed or sold in the regular course of the vendor's business. b. The insurance afforded to such vendor described above: (1) Only applies to the extent permitted by law; (2) Will not be broader than the insurance which you are required by the contract or agreement to provide for such vendor; (3) Will not be broader than coverage provided to any other insured; and (4) 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 c. With respect to insurance afforded to such vendors, the following additional exclusions apply: The insurance afforded to the vendor does not apply to: (1) "Bodily injury" or "property damage" for which the vendor is obligated to pay damages by reasons of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement; (2) Any express warranty unauthorized by you; 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 2 of 6 (3) Any physical or chemical change in the product made intentionally by the vendor; (4) Repackaging, unless unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instruction from the manufacturer, and then repackaged in the original container; (5) Any failure to make such inspection, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business in connection with the sale of the product; (6) Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of the product; (7) Products which, after distribution or sale by you, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for the vendor; (8) "Bodily injury" or "property damage" arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (a) The exceptions contained within the exclusion in subparagraphs (4) or (6) above; or (b) Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. (9) "Bodily injury' or "property damage" arising out of an "occurrence" that took place before you have signed the contract or agreement with the vendor. (10)To any person or organization included as an insured by another endorsement issued by us and made part of this Coverage Part. (11)Any insured person or organization, from whom you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products. d. With respect to the insurance afforded to these vendors, the following is added to SECTION II — LIABILITY, D. Liability and Medical Expense Limits of Insurance: The most we will pay on behalf of the vendor for a covered claim is the lesser of the amount of insurance: 1. Required by the contract or agreement 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. 3. Alienated Premises SECTION II — LIABILITY, B. Exclusions, 1. Applicable To Business Liability Coverage k. Damage to Property, paragraph (2) is replaced by the following: (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises and occurred from hazards that were known by you, or should have reasonably been known by you, at the time the property was transferred or abandoned. 4. Broad Form Property Damage — Borrowed Equipment, Customers Goods, Use of Elevators a. The following is added to SECTION II — LIABILITY, B. Exclusions, 1. Applicable To Business Liability Coverage, k. Damage to Property: Paragraph (4) does not apply to "property damage" to borrowed equipment while at a jobsite and not being used to perform operations. Paragraph (3), (4) and (6) do not apply to "property damage" to "customers goods" while on your premises nor to the use of elevators. b. For the purposes of this endorsement, the following definition is added to SECTION II — LIABILITY, F. Liability and Medical Expenses Definitions: 1. "Customers goods" means property of your customer on your premises for the purpose of being: a. Worked on; or 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 or on any other basis. 5. Incidental Malpractice — Employed Nurses, EMT's and Paramedics SECTION II — LIABILITY, C. Who Is An Insured, paragraph 2.a.(1)(d) does not apply to a nurse, 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 3 of 6 emergency medical technician or paramedic employed by you if you are not engaged in the business or occupation of providing medical, paramedical, surgical, dental, x-ray or nursing services. 6. Personal Injury — Broad Form a. SECTION II — LIABILITY, B. Exclusions, 2. Additional Exclusions Applicable only to "Personal and Advertising Injury", paragraph e. is deleted. b. SECTION II — LIABILITY, F. Liability and Medical Expenses Definitions, 14. "Personal and advertising injury", paragraph b. is replaced by the following: b. Malicious prosecution or abuse of process. c. The following is added to SECTION II — LIABILITY, F. Liability and Medical Expenses Definitions, Definition 14. "Personal and advertising injury": "Discrimination" (unless insurance thereof is prohibited by law) that results in injury to the feelings or reputation of a natural person, but only if such "discrimination" is: (1) Not done intentionally by or at the direction of: (a) The insured; (b) Any officer of the corporation, director, stockholder, partner or member of the insured; and (2) Not directly or indirectly related to an "employee", not to the employment, prospective employment or termination of any person or persons by an insured. d. For purposes of this endorsement, the following definition is added to SECTION II — LIABILITY, F. Liability and Medical Expenses Definitions: 1. "Discrimination" means the unlawful treatment of individuals based upon race, color, ethnic origin, gender, religion, age, or sexual preference. "Discrimination" does not include the unlawful treatment of individuals based upon developmental, physical, cognitive, mental, sensory or emotional impairment or any combination of these. e. This coverage does not apply if liability coverage for "personal and advertising injury" is excluded either by the provisions of the Coverage Form or any endorsement thereto. o. Recall of Products, Work or Impaired Property is replaced by the following: o. Recall of Products, Work or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1) "Your product'; (2) "Your work"; or (3) "Impaired property"; If such product, work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it, but this exclusion does not apply to "product recall expenses" that you incur for the "covered recall' of "your product'. However, the exception to the exclusion does not apply to "product recall expenses" resulting from: (4) Failure of any products to accomplish their intended purpose; (5) Breach of warranties of fitness, quality, durability or performance; (6) Loss of customer approval, or any cost incurred to regain customer approval; (7) Redistribution or replacement of "your product' which has been recalled by like products or substitutes; (8) Caprice or whim of the insured; (9) A condition likely to cause loss of which any insured knew or had reason to know at the inception of this insurance; (10)Asbestos, including loss, damage or clean up resulting from asbestos or asbestos containing materials; or (11)Recall of "your products" that have no known or suspected defect solely because a known or suspected defect in another of "your products" has been found. b. The following is added to SECTION II — LIABILITY, C. Who Is An Insured, paragraph 3. b.: 7. Product Recall Expense "Product recall expense" arising out of any a. SECTION II — LIABILITY, B. Exclusions, 1. withdrawal or recall that occurred before you Applicable To Business Liability Coverage, acquired or formed the organization. 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 4 of 6 c, The following is added to SECTION II — LIABILITY, D. Liability and Medical Expenses Limits of Insurance: Product Recall Expense Limits of Insurance a. The Limits of Insurance shown in the SUMMARY OF COVERAGES of this endorsement and the rules stated below fix the most that we will pay under this Product Recall Expense Coverage regardless of the number of: (1) Insureds; (2) "Covered Recalls initiated; or (3) Number of "your products" withdrawn. b. The Product Recall Expense Aggregate Limit is the most that we will reimburse you for the sum of all "product recall expenses" incurred for all "covered recalls" initiated during the policy period. c. The Product Recall Each Occurrence Limit is the most we will pay in connection with any one defect or deficiency. d. All "product recall expenses" in connection with substantially the same general harmful condition will be deemed to arise out of the same defect or deficiency and considered one "occurrence". e. Any amount reimbursed for "product recall expenses" in connection with any one "occurrence" will reduce the amount of the Product Recall Expense Aggregate Limit available for reimbursement of "product recall expenses" in connection with any other defect or deficiency. f. If the Product Recall Expense Aggregate Limit has been reduced by reimbursement of "product recall expenses" to an amount that is less than the Product Recall Expense Each Occurrence Limit, the remaining Aggregate Limit is the most that will be available for reimbursement of "product recall expenses" in connection with any other defect or deficiency. g. Product Recall Deductible We will only pay for the amount of "product recall expenses" which are in excess of the $500 Product Recall Deductible. The Product Recall Deductible applies separately to each "covered recall". The limits of insurance will not be reduced by the amount of this deductible. We may, or will if required by law, pay all or any part of any deductible amount, if applicable. Upon notice of our payment of a deductible amount, you shall promptly reimburse us for the part of the deductible amount we paid. The Product Recall Expense Limits of Insurance apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for the purposes of determining the Limits of Insurance. d. The following is added to SECTION II — LIABILITY, E. Liability and Medical Expense General Conditions, 2. Duties in the Event of Occurrence, Offense, Claim or Suit: You must see to it that the following are done in the event of an actual or anticipated "covered recall" that may result in "product recall expense": (1) Give us prompt notice of any discovery or notification that "your product" must be withdrawn or recalled. Include a description of "your product" and the reason for the withdrawal or recall; (2) Cease any further release, shipment, consignment or any other method of distribution of like or similar products until it has been determined that all such products are free from defects that could be a cause of loss under this insurance. e. For the purposs of this endorsement, the following definitions are added to SECTION II — LIABILITY, F. Liability and Medical Expenses Definitions: 1. "Covered recall" means a recall made necessary because you or a government body has determined that a known or suspected defect, deficiency, inadequacy, or dangerous condition in "your product" has resulted or will result in "bodily injury" or "property damage". 2. "Product recall expense(s)" means: a. Necessary and reasonable expenses for: (1) Communications, including radio or television announcements or printed advertisements including stationary, envelopes and postage; 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 5 of 6 (2) Shipping the recalled products from any purchaser, distributor or user to the place or places designated by you; (3) Remuneration paid to your regular "employees" for necessary overtime; (4) Hiring additional persons, other than your regular "employees"; (5) Expenses incurred by "employees" including transportation and accommodations; (6) Expenses to rent additional warehouse or storage space; (7) Disposal of "your product", but only to the extent that specific methods of destruction other than those employed for trash discarding or disposal are required to avoid "bodily injury' or "property damage" as a result of such disposal, you incur exclusively for the purpose of recalling "your product"; and b. Your lost profit resulting from such "covered recall". f. This Product Recall Expense Coverage does not apply: (1) If the "products — completed operations hazard" is excluded from coverage under this Coverage Part including any endorsement thereto; or (2) To "product recall expense" arising out of any of "your products" that are otherwise excluded from coverage under this Coverage Part including endorsements thereto. 8. Unintentional Failure to Disclose Hazards The following is added to SECTION II — LIABILITY, E. Liability and Medical Expenses General Conditions: 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. 9. Unintentional Failure to Notify The following is added to SECTION II — LIABILITY, E. Liability and Medical Expenses General Conditions, 2. Duties in the Event of Occurrence, Offense, Claim or Suit: Your rights afforded under this Coverage Part shall not be prejudiced if you fail to give us notice of an "occurrence", offense, claim or "suit", solely due to your reasonable and documented belief that the "bodily injury', "property damage" or "personal and advertising injury' is not covered under this Policy. ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED, 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 6 of 6 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AVENUES BUSINESSOWNERS DELUXE PLATINUM ARCHITECTS AND ENGINEERS PROGRAM BROADENING ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM BUSINESSOWNERS LIABILITY SPECIAL BROADENING ENDORSEMENT The following is added to SECTION I — PROPERTY: The limits applicable to the coverages included in this endorsement may either be in addition to or included within the applicable Limit of Insurance. For application of the limits, refer to each coverage within this endorsement. Words or phrases in quotation marks have special meanings. The meaning of words or phrases in quotation marks is explained within the applicable coverage section. The coverages in this endorsement amend the coverage provided under the Businessowners Coverage Form through new coverages and replace coverage grants. These coverages are subject to the provisions applicable to this policy, except where amended within this endorsement. If any of the property covered by this endorsement is also covered under any other provisions of the policy of which this endorsement is made a part of, or if more than one coverage under this endorsement applies, in the event of loss or damage, you may choose only one of these coverages to apply to that loss. The most we will pay in this case is the limit of insurance applying to the coverage you select. Coverages included in this endorsement apply either separately to each described premises or on an occurrence basis. Refer to each coverage within this endorsement for application of coverage. We provide no coverage for Business Income; Extended Business Income; Extra Expense; or Business Income and Extra Expense from Dependent Properties for any of the Coverages included as part of this endorsement unless specifically stated, and then only to the extent provided for within that Scheduled or Blanket Coverage provision. I. COVERAGES Scheduled Coverages 1. Accounts Receivable On Premises Accounts Receivable Off Premises 2. Backup or Overflow of a Sewer, Drain or Sump 3. Brands and Labels 4. Business Income Billable Hours Option 5. Business Income and Extra Expense — Dependent Properties 6. Transit Business Income and Extra Expense 7. Business Income from Websites 8. Civil Authority 9. Computer Equipment Computer Equipment In Transit or Off Premises Computer Equipment — Newly Acquired or Constructed Property 10. Computer and Funds Transfer Fraud 11. Consequential Loss to Stock 12. Contract Penalties Limit $250,000 $250,000 Included Included $25,000 $100,000 $50,000 $50,000 / 7 Days 24 hour waiting period Included $100,000 $100,000 $10,000 Included $25,000 13. Denial of Access to Premises 30 Days; 72 Hour Waiting Period 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 3 3 3 4 4 5 5 5 6 6 6 6 6 Page 1 of 17 114. Electronic Vandalism $100,000 7 115. Employee Theft Including ERISA Compliance $50,000 7 116. Expediting Expenses $25,000 7 117. Extended Business Income 90 Days 7 18. Fine Arts (Including Architectural Models) $100,000 8 19. Forgery or Alteration $50,000 8 20. Hired Auto - Physical Damage $50,000 8 121. Identity Theft Expense Reimbursement $15,000 9 22. Interruption of Computer Operations On Premises $500,000 10 Interruption of Computer Operations Off Premises $25,000/$50,000 23. Marring and Scratching Included 11 24. Money and Securities Inside the Premises $25,000 11 Money and Securities Outside the Premises $25,000 125. Money Orders and Counterfeit Money $25,000 11 26. Newly Acquired or Constructed Property — Business Income and Extra $500,000 11 Expense 27. Ordinance or Law — Demolition Cost Coverage and Increased Cost of $25,000 11 Construction 128. Ordinance or Law — Increased Period of Restoration $50,000 11 Ordinance or Law (Tenants Improvement Extension) $25,000 12 �29. 30. Outdoor Property ( $25,000 12 131. Personal Effects $75,000 12 132. Portable Electronic Devices Coverage Worldwide $10,000 12 Precious Metal Theft Payment Changes $25,000 13 �33. 34. Preservation of Property - Expense $25,000 13 135. Personal Property in Transit Included 13 136. Sales Representative Samples $25,000 13 137. Temporary Relocation of Property $50,000 13 138. Tenant Signs Included 14 39. Utility Services Direct Damage (Including Overhead Transmission Lines) $25,000 14 Business Income (Including Overhead Transmission Lines) $25,000 40. Valuable Papers and Records (Other Than Electronic Data) On Premises $100,000 14 Valuable Papers and Records (Other Than Electronic Data) Off Premises $100,000 141. Worldwide Property Off Premises $50,000 14 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 2 of 17 SECTION II — LIABILITY Changes 1. Additional Insured by Contract, Agreement or Permit — Amended 2. Additional Insured by Contract, Agreement or Permit — Primary and Non- contributory 3. Aggregate Limit of Insurance (Per Project) 4. Damage to Premises Rented to You — Revised Limit 5. Limits of Insurance — Medical Expenses 6. Newly Acquired or Formed Organizations 7. Non -Owned Watercraft 8. Who Is An Insured — Unnamed Joint Venture II. DEDUCTIBLES Deductibles are subject to the provisions applicable to the Businessowners Coverage Form except as provided below. We will not pay for covered loss or damage in any one occurrence unless the amount of loss or damage exceeds the applicable Deductible amount. We will then pay the amount of loss or damage in excess of the Deductible up to the applicable Limit of Insurance. III. COVERED PROPERTY Scheduled Coverages 1. Accounts Receivable SECTION I — PROPERTY, A. Coverage, 6. Coverage Extensions, f. Accounts Receivable, paragraphs (2) and (3) are replaced by the following: (2) We will pay under this Coverage Extension for loss or damage in any one occurrence at the described premises. The most we will pay is $250,000 for accounts receivable at the described premises, unless a higher Limit of Insurance for accounts receivable is shown in the Additional Property Coverage Schedule. (3) We will pay under this Coverage Extension for loss or damage in any one occurrence not at the described premises. The most we will pay is $250,000 for accounts receivable not at the described premises. 2. Backup or Overflow of a Sewer, Drain or Sump The following is added to SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages: Limit Page Included 15 Included 15 16 $1,000,000 16 $10,000 per person 16 180 Days 17 75 Feet 17 Included 17 (1) We will pay for direct physical loss or damage to Covered Property at the described premises, solely caused by or resulting from water or waterborne material carried or moved by water that backs up or overflows or is otherwise discharged from a sewer, drain, sump, sump pump or related equipment. The term drain includes a roof drain and its related fixtures. (2) For the purpose of this Additional Coverage only, SECTION I — PROPERTY, B. Exclusions, g. Water, paragraph (3) is deleted. (3) Payment under this Additional Coverage is included within the applicable Limit of Insurance for Covered Property at a premises described in the Declarations. This Additional Coverage does not increase the Limits of Insurance. (4) Special Sewer Backup Exclusion We will not pay for: (a) Loss or damage from water or other materials that back-up or overflow from any sewer or drain, sump, sump pump or related equipment when it is caused by or results from any "flood", regardless of the proximity of the back-up or overflow to the "flood" condition; or (b) Failure to keep a sump pump or its related equipment in proper working condition; or (c) Failure to perform routine maintenance or repair necessary to keep a sewer or drain free from obstructions. Backup or Overflow of a Sewer, Drain or 3. Brands and Labels Sump 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 3 of 17 The following is added to SECTION I — PROPERTY, A. Coverage, 6. Coverage Extensions: Brands and Labels (1) If Covered Property that has a brand or label is damaged by a Covered Cause of Loss and we elect to take all or any part of the damaged property at an agreed or appraised value, you may extend the insurance that applies to your Business Personal Property to: (a) Pay expenses you incur to: (i) Remove the brand or label and then relabel the damaged property to comply with any applicable law; or (ii) Label or stamp the damaged property Salvage, if doing so will not physically damage the property. (b) Cover any reduction in the salvage value of the damaged property as a result of the removal of the brand or label. (2) Payment underthis Extension is included within the Limit of Insurance applicable to your Business Personal Property. 4. Business Income Billable Hours Option The following is added to SECTION I — PROPERTY, A. Coverage, E. Property Loss Conditions, 5. Loss Payment: Business Income Billable Hours Option (1) At your option you may choose to settle a covered Business Income and Extra Expense loss, as described under the Business Income, Extra Expense and Utility Services Additional Coverages, on a billable hours basis. If you choose this settlement method, the billable hours will be verified through review of your historical financial records or based on an average of your billable hourly rate over the past 12 months. (2) This loss settlement option is only available to you prior to your submission to us of calculations described under SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, f. Business Income. (3) If you choose this option, SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, f. Business Income, paragraph (c) is replaced by the following: (c) Business Income means the: (i) Income that would have been generated from billable hours normally charged by you to your clients for services performed by you or your employees if no physical loss or damage occurred; (ii) Other income of your business that would have been incurred if no physical loss or damage occurred; (iii) Continuing normal operating expenses incurred, including "payroll expenses". However, if your business is not generating any income because you are primarily in research or development or have not yet brought your product to market, your continuing normal operating expenses, including "payroll expenses" will not be offset by the Net Loss; and (iv) "Rental Value". For manufacturing risks, Net Income includes the net sales value of production. (4) For any occurrence, the two available methods for adjusting and calculating Business Income and Extra Expense loss may not be combined. When the alternative billable hours approach described above is selected, the maximum coverage under this loss settlement option is $25,000 on an actual loss sustained basis. 5. Business Income and Extra Expense — Dependent Properties The heading for SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, m. Business Income from Dependent Properties is replaced by the following: m. Business Income and Extra Expense from Dependent Properties The following is added to Business Income and Extra Expense from Dependent Properties: We will pay the necessary Extra Expense you incur due to direct physical loss of or damage to "dependent property" caused by or resulting from a Covered Cause of Loss. The definition of Extra Expense for this Additional Coverage is replaced by the following: 391-1448 08 16 Includes copyrighted material of Insurance Sendces Office, Inc., with its permission. Page 4 of 17 Extra Expense means necessary expenses you incur during the "period of restoration" for the "dependent property" that you would not have incurred if there had been no direct physical loss or damage to the premises of any "dependent property" caused by or resulting from a Covered Cause of Loss: (1) To avoid or minimize the "suspension" of business and to continue "operations'; or (2) To minimize the "suspension" of business if you cannot continue "operations". We will reduce the amount of your Extra Expense loss to the extent you can return "operations" to normal and discontinue such Extra Expense. (3) Paragraph (2) of this Additional Coverage is replaced by the following: (2) The most we will pay under this Additional Coverage is $100,000 per occurrence, regardless of the number of "dependent properties" affected. 6. Transit Business Income and Extra Expense The following is added to SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages: Transit Business Income and Extra Expense (1) We will pay the actual loss of Business Income you sustain and necessary and reasonable Extra Expense you incur caused by direct physical loss of or direct physical damage to Covered Property while "in transit" caused by or resulting from a Covered Cause of Loss. (2) SECTION I — PROPERTY, B. Exclusions, paragraphs 1.b Earth Movement and 1.g Water do not apply to this Additional Coverage: (3) The most we will pay for loss in any one occurrence under this Additional Coverage is $50,000. (4) The amount payable under this Additional Coverage is additional insurance. 7. Business Income from Websites a. The following is added to SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages: (1) You may extend this insurance to apply to a "suspension" of "operations" caused by direct physical loss or damage to property that you depend on for "web site and communications services" from a Covered Cause of Loss. (2) We will not pay for any loss of Business Income you incur during the first 12 hours that immediately follows the time when you first discovered the Covered Cause of Loss. This Waiting Period does not apply to Extra Expense. (3) The most we will pay for the actual loss of Business Income and necessary and reasonable Extra Expense in any one occurrence under this Additional Coverage is $50,000 and only for the 7 -day period immediately following the Covered Cause of Loss. (4) Coverage does not apply to Websites unless there is a duplicate or back-up copy of your Web Page stored at a location that is at least 1,000 feet away from the premises of the vendor that provides "web site and communications services". (5) "Web Site and Communication Services" means: (a) Internet access, e-mail, web hosting, value added network services and application software services at the premises of others; or (b) Network and router infrastructure located more than 1,000 feet from the described premises. b. This Additional Coverage is not subject to SECTION I — PROPERTY, C. Limits of Insurance. 8. Civil Authority SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, I. Civil Authority, paragraph (2) is replaced by the following: (2) Civil Authority Coverage for Business Income will begin 24 hours afterthe time of the first action of civil authority that prohibits access to the described premises and will end: (a) Four consecutive weeks after the time of that action; or Business Income from Websites (b) When your Civil Authority Coverage for Business Income ends; 391-1448 08 16 Includes copyrighted material of Insurance Sendces Office, Inc., with its permission. Page 5 of 17 whichever is later. 9. Computer Equipment SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, r. Computer Equipment, paragraph (6) is replaced by the following: (6) Regardless of the number of insured locations involved, the most we will pay for loss or damage under this Additional Coverage in any one occurrence is the applicable Limit of Insurance for Covered Property at the premises described in the Declarations. . The most we will pay for loss or damage under this Additional Coverage to property described in paragraphs (1) and (2) above in any one occurrence while "in transit' or at a premises other than the described premises is $100,000. The most we will pay for loss or damage under this Additional Coverage to property described in paragraphs (1) and (2) above in any one occurrence for property that you newly acquire is $100,000. With respect to newly acquired property under this Additional Coverage, coverage will end when any of the following occurs: (a) The policy expires; (b) 180 days after you acquire the property listed in (1)(a — d); (c) You report values to us. The most we will pay for Extra Expense is $5,000 or the amount shown in the Additional Property Coverage Schedule in any one occurrence. This Additional Coverage is not subject to SECTION I — PROPERTY, C. Limits of Insurance. 10. Computer and Funds Transfer Fraud SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, hh. Computer and Funds Transfer Fraud, paragraph (3) is replaced by the following: (3) The most we will pay per occurrence under this Additional Coverage is $10,000 unless a higher Limit of Insurance is shown in the Schedule of Amended Limits of Insurance. 11. Consequential Loss to Stock (1) You may extend the insurance that applies to your Business Personal Property to apply to the reduction in value of the remaining parts of"stock" in process of manufacture that are physically undamaged but are unmarketable as a complete product because of direct physical loss or damage from a Covered Cause of Loss to other parts of covered "stock" in process of manufacture at an insured location. (2) Should it be determined that such "stock" retains only a salvage value, we retain the option of paying the full value of the "stock" as agreed within this policy, and taking the damaged property for salvage purposes. (3) Payment under this Coverage Extension is included within the applicable Limit of Insurance. 12. Contract Penalties The following is added to SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages: Contract Penalties (1) We will pay for contract penalties you are required to pay due to your failure to provide your product or service according to contract terms because of direct physical loss or damage by a Covered Cause of Loss to Covered Property. (2) The most we will pay for all penalties in any one occurrence is $25,000. (3) The amount payable under this Additional Coverage is additional insurance. 13. Denial of Access to Premises The following is added to SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages: Denial of Access to Premises (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur when ingress to or egress from the described premises is prevented, due to direct physical loss of or damage to property that is away from but within 2000 feet of the described premises, caused by or resulting from any Covered Cause of Loss covered under this policy. The following is added to SECTION I — (2) The coverage for Business Income will PROPERTY, A. Coverage, 6. Coverage begin 72 hours after the loss or damage to Extensions: the premises that causes the denial of Consequential Loss to Stock access and will apply for a period of up to 391-1448 08 16 Includes copyrighted material of Insurance services Office, Inc., with its permission. Page 6 of 17 30 consecutive days after coverage begins. (3) The coverage for Extra Expense will begin immediately after the loss or damage to the premises that causes the denial of access and will end: (a) 30 consecutive days after coverage begins; or (b) When your Business Income coverage ends; whichever is earlier. (4) The definitions of Business Income and Extra Expense contained in the Business Income Additional Coverage and the Extra Expense Additional Coverage also apply to this Denial of Access to Premises Additional Coverage. 14. Electronic Vandalism SECTION I — Property, A. Coverage, 5. Additional Coverages, dd. Electronic Vandalism, paragraph (3) is replaced by the following: (3) The most we will pay for loss of or damage to computer "hardware" or "software" in any one occurrence under this Additional Coverage is $5,000. The most we pay for all covered losses to computer "hardware" or "software" under this Additional Coverage during each separate 12 -month period of this policy is $100,000. The most we will pay under this Additional Coverage for all loss or damage sustained in any one policy year, regardless of the number of occurrences of loss or damage or the number of premises, locations or computer systems involved, is $100,000, unless a higher Limit of Insurance is shown in the Declarations. If loss payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent loss or damage sustained in, but not after, that policy year. With respect to an occurrence which begins in one policy year and continues or results in additional loss or damage in a subsequent policy year(s), all loss or damage is deemed to be sustained in the policy year in which the occurrence began. (6) The most we will pay for all loss resulting directly from an occurrence is $50,000. Regardless of the number of years this policy remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year. 16. Expediting Expenses The following is added to SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages: Expediting Expenses (1) When a Covered Cause of Loss occurs to Covered Property, we will pay for the reasonable and necessary additional expenses you incur to: (a) Make temporary repairs; (b) Expedite permanent repair or replacement of damaged property; or (c) Provide training on replacement machines or equipment. (2) The most we will pay for loss under this Additional Coverage in any one occurrence is $25,000. (3) The amount payable under this Additional Coverage is additional insurance. 17. Extended Business Income SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, f. Business Income, (2) Extended Business Income, (a) Extended Business Income — Other Than Rental Value, paragraph (ii) and (b) Extended Business Income — Rental Value, paragraph (ii) are replaced by the following: (a) Extended Business Income — Other Than Rental Value (ii) Ends on the earlier of. 1) The date you could restore your operations, with reasonable speed, to the level which would generate the business income amount that would have existed if no direct physical loss or damage had occurred; or 2) 90 consecutive days after the date determined in (2)(a)(i) above. (b) Extended Business Income — Rental Value 15. Employee Theft Including ERISA ii Ends on the earlier of: Compliance ( ) SECTION I — PROPERTY, A. Coverage, 5. 1) The date you could restore tenant Additional Coverages, p. Employee Theft occupancy, with reasonable Including ERISA, paragraph (6), is replaced speed, to the level which would by the following: generate the "Rental Value" that would have existed if no direct 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 7 of 17 physical loss or damage had occurred; or 2) 90 consecutive days after the date determined in (2)(b)(i) above. 18. Fine Arts a. SECTION I — PROPERTY, A. Coverage, 6. Coverage Extensions, x. Fine Arts, paragraph (3) is replaced by the following: (3) The most we will pay for loss under this Additional Coverage is $100,000 per occurrence regardless of the number of locations or buildings involved. b. For the purpose of this Additional Coverage, SECTION I — PROPERTY, G. Property Definitions, 21. "Fine Arts" is replaced by the following: 21. "Fine Arts" means architectural models, paintings, etchings, pictures, tapestries, rare art glass, art glass windows, valuable rugs, statuary, sculptures, "antique" furniture, "antique" jewelry, bric-a-brac, porcelains, and similar property of rarity, historical value, or artistic merit. 19. Forgery or Alteration SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, k. Forgery or Alteration, paragraph (5) is replaced by the following: (5) The most we will pay for any loss, including legal expenses, under this Additional Coverage is $50,000. 20. Hired Auto — Physical Damage The following is added to SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages: Hired Auto — Physical Damage Coverage (1) We will pay for loss to an "auto" you or an "employee", at your direction, lease, hire or rent without a driver for a period of 30 days or less for the purpose of conducting customary operations for your business. This does not include any "auto" you lease, hire or rent from any of your "employees" or members of their households. We will pay for loss to a covered "auto" or its equipment caused by: (a) Comprehensive coverage From any cause except: (i) The covered "auto's" collision with another object; or (ii) The covered "auto's" overturn. (b) Collision coverage (i) The covered "auto's" collision with another object; or (ii) The covered "auto's" overturn. (2) For the purpose of this Additional Coverage only, SECTION I — PROPERTY, A. Coverage, 2. Property Not Covered, paragraph a. is replaced by the following: a. Aircraft, automobiles, motortrucks and other vehicles subject to motor vehicle registration and: (1) Any "auto" as described in paragraph (1) above, while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity; (2) Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment; (3) Any device designed or used to detect speed measuring equipment such as radar or laser detectors and any jamming apparatus intended to elude or disrupt speed measurement equipment; or (4) Any electronic equipment, without regard to whether this equipment is permanently installed, that receives or transmits audio, visual or data signals and that is not designed solely for the reproduction of sound. (3) For the purpose of this Additional Coverage only, SECTION I — PROPERTY, B. Exclusions does not apply with the exception of the following exclusions: (a) 1.d. Nuclear Hazard; (b) 11 War and Military Action For the purpose of this Additional Coverage only, the following exclusions are added to SECTION I — PROPERTY, B. Exclusions: 1. We will not pay for loss to a covered "auto" caused by or resulting from someone causing you to voluntarily part with the "auto" by trick or scheme or under false pretenses; or 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 8 of 17 2. We will not pay for loss caused by or continues into subsequent policy resulting from wear and tear, freezing; period(s). mechanical or electrical breakdown; (2) With respect to this Additional Coverage: blowouts, punctures or other road damage to tires. (a) "Expenses" means: (4) For the purpose of this Additional (i) Costs for notarizing affidavits or Coverage only, the following is added to similar documents attesting to SECTION I — PROPERTY, C. Limits of fraud required by financial Insurance: institutions or similar credit grantors or credit agencies; Hired Auto Physical Damage Limits of Insurance (ii) Costs of certified mail to law enforcement agencies, credit The most we will pay for loss to any one agencies, financial institutions or g �� covered 'auto Is the lesser of similar credit agencies; a. The actual cash value of the damaged (iii) Lost income resulting from: or stolen property as of the time of loss; 1) Time taken off work to complete fraud affidavits; or b. The cost of repairing or replacing the damaged or stolen property with other 2) Meeting or talking to law property of like kind and quality; or enforcement agencies, credit agencies or legal counsel. C. $50,000. (iv) Loan application fees for 5 The following Is added to SECTION I — () g reapplying for a loan or loans PROPERTY, D. Deductibles, paragraph when the original application is 5.: rejected solely because the lender Hired Auto — Physical Damage received incorrect credit (6) For the purpose of this Additional information; Coverage only, the following is added to (v) Reasonable attorney fees to: SECTION I — PROPERTY, G. Property 1) Defend lawsuits brought Definitions: against an "insured person" 1. "Auto" means a land motor vehicle, by merchants, financial trailer or semitrailer that is subject to institutions or their collection motor vehicle registration, or designed agencies; for travel on public roads, including 2) Remove any criminal or civil any attached machinery or equipment. judgments wrongly entered The amount payable under this Additional against an "insured person"; Coverage is additional insurance. or This coverage is excess to any other valid 3) Challenge the accuracy or insurance whether collectible or not. completeness of any 21. Identity Theft Expense Reimbursement information in a consumer credit report; The following is added to SECTION I — PROPERTY, A. Coverage, 5. Additional (vi) Charges for long distance 'Identity Coverages: telephone calls due to theft' to: Identity Theft Expense 1) Merchants; (1) We will pay for "expenses" incurred by an "insured person" as a direct result of any 2) law enforcement agencies; one 'Identity Theft" first discovered or 3) Financial institutions or other learned of by such "insured person" during similar credit grantors; or the policy period. 4) Credit agencies Any act or series of acts committed by one (vii)Reasonable fees for professional or more persons, or in which such persons financial advice or professional are aiding and abetting others against an credit advice. "insured person", is considered to be one "identity theft" even if a series of acts 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission, Page 9 of 17 The most we will pay for "expenses" (5) The most we will pay under this Additional under paragraph (2) (a) is $5,000, Coverage for all "Expenses" arising out of subject to a maximum of $200 per day. all "Identity Theft" against an "Insured (b) For purposes of this Additional Person" incurred in any one policy year, "Identity » Coverage, 'Identity theft means: regardless of the number of Thefts" involved, is $15,000 unless a The act of knowingly transferring or higher Limit of Insurance is shown in the using, without lawful authority, a Declarations. means of identification of an "insured person" with the intent to commit, or to (6) In order for coverage to be provided under aid or abet another to commit, any this Additional coverage, you must send to unlawful activity that constitutes a us, within 60 days after our request, violation of Federal law or a felony receipts, bills or other records that support "identity under any applicable state or local your claim for "expenses under law, and theft" coverage. (c) "Insured person" means: 22. Interruption of Computer Operations (i) For sole proprietorships: The SECTION I — PROPERTY, A. Coverage, 5. individual who is the sole Additional Coverages, ee. Interruption of proprietor of the Named Insured Computer Operations, paragraph (3) is shown in the Declarations; replaced by the following: (ii) For partnerships: Any individual (3) The most we will pay under this Additional that is a partner of the Named Coverage — Interruption of Computer Insured shown in the Operations for all loss sustained and Declarations; expense incurred in any one policy year, regardless of the number of interruptions (iii) Forcorporations orany othertype or the number of premises, locations or of organization: The Chief computer systems involved is: Executive Officer, and any individual who has an ownership (a) $500,000 unless a higher Limit of interest of at least 20% of the Insurance is shown in the Named Insured, shown in the Declarations. If loss payment relating Declarations. to the first interruption does not exhaust this amount, then the balance (3) The following additional exclusions apply is available for loss or expense to this Additional Coverage: sustained or incurred as a result of We will not pay for: subsequent interruptions in that policy (a) Expenses incurred due to any year. A balance remaining at the end fraudulent, dishonest or criminal acts of a policy year does not increase the by. amount of insurance in the next policy year. With respect to any interruption (i) An "insured person'; which begins in one policy year and (ii) Any person aiding or abetting an continues or results in additional loss "insured person"; or or expense in a subsequent policy (iii)Any authorized representative of year(s), all loss and expense is an "insured person"; deemed to be sustained or incurred in the policy year in which the whether acting alone or in collusion interruption began. with others; or (b) $25,000 in any one occurrence for (b) Loss other than "expenses". Account interruptions covered under balances which arise out of fraudulent paragraphs (1) and (2) above for loss or unauthorized charges would be one arising out of a Covered Cause of example of loss other than Loss occurring away from the "expenses". described premises. This per (4) Regardless of the amount of the occurrence limit applies regardless of deductible for Covered Property shown in the number of premises involved. the Declarations, the most we will deduct (c) $50,000 for all losses arising out of from any claim for "expenses" under this interruptions covered under Additional Coverage for any one "identity paragraphs (1) and (2) that arise out theft" is $250. of a Covered Cause of Loss occurring 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission,. Page 10 of 17 away from the described premises during each separate 12 month period of this policy. 23. Marring and Scratching The following is added to SECTION I — PROPERTY, A. Coverage, 6. Coverage Extensions: Marring and Scratching (1) You may extend the insurance that applies to Business Personal Property to apply to damage caused directly by sudden and accidental marring and scratching of: (a) Your "stock"; (b) Your printing plates; or (c) Property of others that is in your care, custody or control. (2) This Coverage Extension does not apply to: (a) Property at other than the described premises; or (b) Personal Property in transit. (3) Payment under this Coverage Extension is included within Limit of Insurance applicable to your Business Personal Property. 24. Money and Securities SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, s. Money and Securities, paragraph (5) is replaced by the following: (5) The most we will pay for loss in any one occurrence is: (a) $25,000 or the amount shown in the Additional Property Coverage Schedule Inside the Premises for "money" and "securities" while: (i) In or on the described premises; or (ii) Within a bank or savings institution in the coverage territory; and (b) $25,000 or the amount shown in the Additional Property Coverage Schedule Outside the Premises for "money" and "securities" while at any other location listed in (1) above and while in the coverage territory. 25. Money Orders and Counterfeit Money Counterfeit Money, paragraph (3) is replaced by the following: (3) The most we will pay for any loss under this Additional Coverage is $25,000. 26. Newly Acquired or Constructed Property — Business Income and Extra Expense SECTION I — PROPERTY, A. Coverage, 6. Coverage Extensions, a. Newly Acquired or Constructed Property, paragraph (3) is replaced by the following: (3) Business Income and Extra Expense You may extend the insurance that applies to Business Income and Extra Expense to apply to property at any location you acquire. The most we will pay for loss or damage under this Extension is $500,000 at each premises. 27. Ordinance or Law — Demolition Cost and Increased Cost of Construction SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, (.Ordinance or Law, (5) Loss Payment, paragraph (d) is replaced by the following: (d) The most we will pay for the total of all covered losses for Demolition Cost and Increased Cost of Construction for each building described in the Declarations is $25,000 or the amount shown in the Additional Property Schedule. If a damaged building(s) is covered under a Blanket Limit of Insurance and the Blanket Limit of Insurance applies to more than one building or item of property, then the most we will under this Additional Coverage, for each building, is $25,000, or the amount shown in the Additional Property Coverage Schedule. 28. Ordinance or Law — Increased Period of Restoration a. The following is added to SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, I. Ordinance or Law, paragraph (4) Coverage: If a Covered Cause of Loss occurs to property at the premises described in the Declarations, coverage is extended to include the amount of actual and necessary loss you sustain during the increased period of "suspension" of "operations" caused by or resulting from the enforcement of any ordinance or law that: SECTION I — PROPERTY, A. Coverage, 5. (a) Regulates the construction or repair of Additional Coverages, j. Money Orders and any property; 391-1448 08 16 Includes copyrighted material of Insurance services Office, Inc., with its permission, Page 11 of 17 (b) Requires the tearing down of parts of any property not damaged by a Covered Cause of Loss; and (c) Is in force at the time of loss. However, coverage is not extended under this endorsement to include loss caused by or resulting from the enforcement of any ordinance or law which requires: (d) The demolition, repair, replacement, reconstruction, remodeling or remediation of property due to contamination by "pollutants" or due to the presence, growth, proliferation, spread or any activity of "fungi", wet or dry rot or bacteria; or (e) Any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants", "fungi", wet or dry rot or bacteria. b. The following is added to SECTION I — PROPERTY, A. Coverage 5. Additional Coverages, I. Ordinance or Law, (5) Loss Payment, paragraph (c): The most we will pay for loss under Increased Period of Restoration in any one occurrence is $50,000 for each described building shown in the Declarations or the amount shown in the Additional Property Coverage Schedule. If a damaged building(s) is covered on a blanket Limit of Insurance which applies to more than one building or item of property, then the most we will pay for Increased Period of Restoration for each described building in any one occurrence is $50,000. 29. Ordinance or Law (Tenant's Improvement Extension) a. The following is added to SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, I. Ordinance or Law, paragraph (4) Coverage: Coverage provided under paragraphs (a), (b) and (c) above applies to tenant's improvements and betterments but only if a Limit of Insurance is shown in the Declarations for Business Personal Property. Business Personal Property must be insured on a replacement cost basis. This extension is provisional and excess to any other valid insurance for tenant's improvements and betterments whether collectible or not. b. The following is added to SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, I. Ordinance or Law, (5) Loss Payment, paragraph (c): Regardless of the number of locations insured or buildings involved, the most we will pay for any loss to tenant's improvements and betterments under this Additional Coverage in any one occurrence is $25,000. 30. Outdoor Property SECTION I — PROPERTY, A. Coverage, 6. Coverage Extensions, c. Outdoor Property, paragraph (3) is replaced by the following: (3) Regardless of the number of described premises involved, the most we will pay for loss or damage under this Extension, including debris removal expense, is $25,000, but not more than $1,000 for any one tree, shrub or plant. 31. Personal Effects SECTION I — PROPERTY, A. Coverage, 6. Coverage Extensions, d. Personal Effects, paragraph (3) is replaced by the following: (3) The most we will pay for loss or damage under this Extension is $75,000 at each described premises. 32. Portable Electronic Devices Coverage Worldwide The following is added to SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages: Portable Electronic Devices Coverage Worldwide (1) We will pay for loss or damage caused by or resulting from a Covered Cause of Loss to portable electronic devices while anywhere in the world, including while "in transit". (2) For the purpose of this Additional Coverage, the following is added to SECTION I — PROPERTY, G. Property Definitions: Portable electronic devices includes laptops, tablets, e -readers, smartphones or other lightweight, hand-held or wearable devices capable of storing, retrieving and processing data. (3) This coverage is provided when the property is owned by you or owned by others when in your or your "employees"' care, custody or control, subject to SECTION I — PROPERTY, E. Property 391-1448 08 16 Includes copyrighted material of Insurance services Office, Inc., with its permission. Page 12 of 17 Loss Conditions, 5. Loss Payment, paragraph d.(3)(b). (4) We will not pay for loss or damage to portable electronic devices when caused by, resulting from, or arising out of "theft" or unexplained loss when the property is checked baggage with a carrier for transit. (5) The provisions for a Business Income loss will be governed by the terms of SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, f. Business Income except: (a) There is no requirement that a loss occur within 1,000 feet or at the described premises as stated in paragraph (1)(a); and (b) The following are not included under this Additional Coverage: (I) Continuing normal operating expenses incurred, including "payroll expense"; (i I) Extended Business Income. (6) The provisions for Extra Expense loss will be governed by the terms of SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, g. Extra Expense except: (a) There is no requirement that a loss occur within 1,000 feet or at the described premises as stated in paragraph g.(1) and g.(2). (7) Limitations, item b. does not apply to this Additional Coverage. (8) SECTION I — PROPERTY, B. Exclusions, 5. Business Income and Extra Expense Exclusions, paragraph (4) does not apply to this Additional Coverage. (9) Regardless of the number of lost or damaged portable electronic devices, the most we will pay per occurrence including actual loss of Business Income you sustain and necessary Extra Expense you incur, is $10,000. (10)The amount payable under this Additional Coverage is additional insurance. 33. Precious Metal Theft Payment Changes SECTION I — PROPERTY, A. Coverage, 4. Limitations, paragraph c. is replaced by the following: c. For loss or damage by "theft", the following types of property are covered only up to the limits shown: (1) $10,000 for furs, fur garments and garments trimmed with fur. (2) $10,000 for jewelry, watches, watch movements, jewels, pearls, precious and semi-precious stones. This limit does not apply to jewelry and watches worth $250 or less per item. (3) $25,000 for bullion, gold, silver, platinum and other precious alloys or metals. 34. Preservation of Property — Expense The following is added to SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages: Preservation of Property — Expense (1) If it is necessary to move Covered Property from the described premises to preserve it from loss or damage by a Covered Cause of Loss, we will pay your expenses to move or store the Covered Property. (2) This coverage applies for 90 days after the property is first moved, but does not extend past the date on which this policy expires. (3) The most we will pay under this Additional Coverage is $25,000. This Additional Coverage is an additional amount of insurance. 35. Personal Property in Transit SECTION I — PROPERTY, A. Coverage, 6. Coverage Extensions, I. Personal Property in Transit, paragraph (5) is replaced by the following: (5) Payment under this Coverage Extension is included within the Limit of Insurance applicable to your Business Personal Property 36. Sales Representative Samples SECTION I — PROPERTY, 5. Additional Coverages, y. Sales Representative Samples, paragraph (3) is replaced by the following: (3) The most we will pay for any loss or damage under this Additional Coverage is $25,000. 37. Temporary Relocation of Property The following is added to SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages: Temporary Relocation of Property 391-1448 08 16 Includes copydghted material of Insurance Services Office, Inc., with its permission. Page 13 of 17 (1) We will pay for loss of or damage to Covered Property from a Covered Cause of Loss while it is away from the described premises, if it is being stored temporarily at a location you do not own, lease or operate while the described premises is being renovated or remodeled. (2) This coverage applies for 90 days after the property is first moved, but does not extend past the date on which this policy expires. (3) The most we will pay under this Additional Coverage is $50,000. (4) The amount payable under this Additional Coverage is additional insurance. 38. Tenant Signs SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, It. Tenant Signs, paragraph (4) is replaced by the following: (4) The most we will pay for loss or damage in any one occurrence is the Limit of Insurance for Business Personal Property shown in the Declarations. 39. Utility Services (Including Overhead Transmission Lines) a. SECTION I —PROPERTY, A. Coverage, 5. Additional Coverages, bb. Utility Services, paragraphs (1) and (2) are replaced by the following: (1) We will pay for loss of or damage to Covered Property caused by an interruption in service to the described premises. The interruption must result from direct physical loss or damage by a Covered Cause of Loss to property not on the described premises that provides the services shown in paragraph (3) below. The most we will pay for loss in any one occurrence under this Additional Coverage is $25,000 at each described premises or the Limit of Insurance shown in the Additional Property Coverage Schedule. (2) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur caused by the interruption of service at the described premises. The interruption must result from direct physical loss or damage by a Covered Cause of Loss to property not on the described premises that provides the services shown in paragraph (3) below. We will only pay for loss you sustain after the first 24 hours following the direct physical loss or damage to the property described above. The most we will pay for loss in any one occurrence under this Additional Coverage is $25,000 at each described premises or the Limit of Insurance shown in the Additional Property Coverage Schedule. b. SECTION I—PROPERTY, A. Coverage, 5. Additional Coverages, bb. Utility Services, paragraph (4) is deleted. 40. Valuable Papers and Records (Other Than Electronic Data) SECTION I — PROPERTY, A. Coverage, 6. Coverage Extensions, e. Valuable Papers and Records (Other Than Electronic Data), paragraphs (2) and (3) are replaced by the following: (2) The most we will pay under this Coverage Extension for loss or damage to "valuable papers and records" in any one occurrence at the described premises is $100,000. (3) The most we will pay under this Coverage Extension for loss or damage to "valuable papers and records" in any one occurrence not at the described premises is $100,000. 41. Worldwide Property Off Premises The following is added to SECTION I — PROPERTY, A. Coverage, 6. Coverage Extensions: Worldwide Property Off -Premises (1) You may extend the insurance that applies to your Business Personal Property and Personal Property of Others to apply to that property while it is temporarily outside the coverage territory if it is: (a) Temporarily at a location you do not own, lease or operate; (b) Temporarily on display or exhibit at any fair, trade show or exhibition; (c) Samples ofyour"stocV' in trade in the custody of your sales representatives; or (d) While "in transit" between the described premises and a location described in (a), (b) or (c) above. (2) The most we will pay for loss or damage under this Extension is $50,000. 391-1448 08 16 Includes copyrighted material of Insurance services Office, Inc., with its permission, Page 14 of 17 (3) This Extension provides an additional amount of insurance. SECTION II — LIABILITY Paragraphs 2. through 8. amend coverage provided under SECTION II — LIABILITY. 1. Additional Insured by Contract, Agreement or Permit — Amended For purposes of the coverage provided by this endorsement, Coverage 1. Additional Insured by Contract, Agreement or Permit, subparagraph c. (5) of the Businessowners Liability Special Broadening Endorsement is replaced by the following: This provision does not apply to: (5) All professional liability as an architect or engineer arising out of any construction agreement or activities under which any insured or anyone acting on any insured's behalf provides or provided service, advice, expertise or work. Construction includes, but is not limited to, the plan, conception, design, build, construct, assembly, development, safety, erection, formation, reconstruct, rehabilitation, repair, or any improvement made to real property. Construction also includes the hiring, supervision or management of any of these activities. However, this exclusion does not apply to liability arising out of an insured's presence at a jobsite that was not caused by professional activities listed in the above paragraph. 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 professional liability as an architect or engineer arising out of any construction agreement or activities under which any insured or anyone acting on any insured's behalf provides or provided service, advice, expertise or work. 2. Additional Insured by Contract, Agreement or Permit— Primary and Non-contributory a. The following is added to SECTION III — COMMON POLICY CONDITIONS (APPLICABLE TO SECTION I — PROPERTY AND SECTION II —LIABILITY), paragraph H. Other insurance: 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 — LIABILITY, C. 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 SECTION II — LIABILITY of this Coverage Part, our obligations are limited as follows: (1) 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: (a) For the sole negligence of the Additional Insured; (b) When the Additional Insured is an Additional Insured under another primary liability policy; or (c) 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. (2) Excess Insurance (a) This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis: (i) That is Fire, Extended Coverage, Builders Risk, Installation Risk or similar coverage for "your work"; (ii) That is Fire insurance for premises rented to the Additional Insured or temporarily occupied by the Additional Insured with permission of the owner; (iii)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 Additional Insured —Primary and Non- (iv) If the loss arises out of themaintenance or use of aircraft, Contributory 391-1448 08 16 Includes copyrighted material of Insurance services Office, Inc., with its permission. Page 15 of 17 "autos" or watercraft to the extent not subject to Exclusion g. of SECTION II — LIABILITY. B. Exclusions, 1. Applicable to Business Liability Coverage. (v) That is insurance available to you for your participation in any past or present "unnamed joint venture". (vi) That is any insurance you may have that provides coverage for your professional services. (b) When this insurance is excess, we will have no duty to defend the insured against any "suit" if any other insurer has a duty to defend the insured 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. (c) 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 (i) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (ii) 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. (3) 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. b. For the purposes of coverage provided under this endorsement, the following definition is added to SECTION II — LIABILITY, F. Liability and Medical Expense Definitions: 1. "Unnamed joint venture" means any joint venture in which you are a member or partner where: a. Each and every one of your co - ventures in that joint venture is a hair salon. b. That joint venture is not. 3. Aggregate Limit of Insurance (Per Project) a. For purposes of the coverage provided by this endorsement, the following is added to SECTION II — LIABILITY, D. Liability and Medical Expenses Limits: The General Aggregate Limit under D. Liability and Medical Expenses Limits of Insurance applies separately to each of"your projects" or each location listed in the Declarations. b. For purposes of the coverage provided by this endorsement, the following definition is added to SECTION II — LIABILITY, F. Liability And Medical Expenses Definitions: 1. "Your project" means: a. Any premises, site or location at, on, or in which "your work" is not yet completed; and b. Does not include any location listed in the Declarations. 4. Damage to Premises Rented To You — Revised Limit SECTION II — LIABILITY, D. Liability And Medical Expenses Limits of Insurance, paragraph 4. is replaced by the following: 4. The most we will pay under Business Liability Coverage f or damages because of "property damage" to any one premises, while rented to you or while temporarily occupied by you with permission of the owner will be the greater of: a. $1,000,000; or b. The Limit of Insurance f or Damage to Premises Rented To You shown in the Declarations. 5. Limits of Insurance — Medical Expenses For purposes of the coverage provided by this endorsement, SECTION II — LIABILITY, D. Liability and Medical Expenses Limits of Insurance, paragraph 3. is replaced by the following: 3. Subject to the Liability and Medical Expenses Limits Limit, the most we will pay for all medical expenses because of "bodily injury" sustained by any one person is $10,000 orthe Medical Expenses limit shown in the Declarations, whichever is greater. 391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 16 of 17 6. Newly Acquired or Formed Organizations SECTION II —LIABILITY, C. Who is An Insured, paragraph 3. a. is replaced by the following: a. Coverage underthis provision is afforded only until the 18V' day after you acquire or form the organization or the end of the policy period, whichever is earlier. 7. Nonowned Watercraft SECTION II — LIABILITY, B. Exclusions, 1. Applicable to Business Liability Coverage, g. Aircraft, Auto or Watercraft, (2) Aircraft (Other Than Unmanned Aircraft), paragraph (b) is replaced by the following: (b) A watercraft you do not own that is: (i) Less than 75 feet long; and (ii) Not being used to carry persons or property for a charge. 8. Who is an Insured —Unnamed Joint Venture a. For purposes of the coverage provided by this endorsement, the final paragraph of SECTION 11 — LIABILITY, C. Who Is An Insured is replaced by the following: Unnamed Joint Venture 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 as a Named Insured in the Declarations. However, this does not apply to you, for your participation in any past or present "unnamed joint venture", or if that person or organization is otherwise an additional insured under Additional Insureds — Unnamed Joint Venture below. b. For purposes of the coverage provided by this endorsement, the following is added to SECTION II — LIABILITY, C. Who is an Insured: Additional Insureds — Unnamed Joint Venture: You, as an insured for your participation in any past or present "unnamed joint venture". However, you are not an insured if the "unnamed joint venture" has: (1) Direct employees; or (2) Owns, rents, or leases any real or personal property. No other member or partner, or their spouses, of any past or present "unnamed joint venture" is an insured. c. For purposes of the coverage provided by this endorsement, the following definition is added to SECTION II — LIABILITY, F. Liability And Medical Expenses Definitions: 1. "Unnamed joint venture" means any joint venture in which you are a member or partner where: a. Each and every one of your co - ventures in that joint venture is an architectural, engineering or surveying firm; and b. That joint venture is not named in the Declarations. ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED, 391-1448 08 16 Includes copyrighted material of Insurance services Office, Inc., with its permission. Page 17 of 17 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 04 03 06 (Ed. 04.84) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be 2% of the California workers' compensation premium otherwise due on such remuneration. Schedule Person or Organization Job Description Any person or organization as required by written contract. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 8/21/2019 Policy No. SWC1248243 Endorsement No. 0 Insured RHA Landscape Architects -Planners, Inc. Premium $ 4,361 Insurance Company Security National Insurance Company Countersigned by WC 04 03 06 (Ed. 04-84)