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HomeMy WebLinkAboutInsurance Certificate: Bergeson-Boese & Associates, Inc, BB&A Environmental ACORD® DATE(MM/DDIYYYY) �� CERTIFICATE OF LIABILITY INSURANCE 5/1/2020 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE.DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must have ADDITIONAL'INSURED provisions or be endorsed. If SUBROGATION IS':WAIVED,subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). - PRODUCER Brown &Brown Northwest NAME:CT Patty Gaines 2701 NW Vaughn St, Ste.340 (ac Nr Extr 503-546-7215 FAX (A/O, 503-274-6524 Portland, OR 97210 E-MAIL ADDRESS: pgaines@bbnw.com INSURER(S)AFFORDING COVERAGE NAIC# www.bbnw.com INSURER A: Colony Insurance Company 39993 INSURED INSURER B: Employers Mutual Casualty Company 21415 Bergeson-Boese&Associates, Inc. INSURER C: SAIF COrpOratlOn BB&A Environmental PO Box 40187 INSURER D: Eugene OR 97404 INSURERE: INSURER F: COVERAGES CERTIFICATE NUMBER: 55323420 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT,TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. . . INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP WLIMITS LTR INSD VD POLICY NUMBER (MM/DD/YYYY) (MM/DD/YYYY) A / COMMERCIAL GENERAL LIABILITY ,/ PACEP4258020 4/30/2020 4/30/2021 EACH OCCURRENCE $1,000,000 DAMAGE TO RENTED CLAIMS-MADE / OCCUR PREMISES Ea occurrence) $50,000 ✓ $2M Per Project/$10M Max MED EXP(Any one person) j000 PERSONAL&ADV INJURY $1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE _ $2,000,000 POLICY ✓ ECT LOC PRODUCTS-COMP/OPAGG $2,000,000 ' OTHER: $ B AUTOMOBILE LIABILITY ✓ 5X86249 4/30/2020 4/30/2021 (Ea aBcideDt)INGLE LIMIT $1,000,000 ✓ ANY AUTO f BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY _ AUTOS ONLY (Per accident) $ A UMBRELLALIAB I OCCUR EXC4258021 4/30/2020 4/30/2021 EACH OCCURRENCE $4,000,000 EXCESS LIAB CLAIMS-MADE AGGREGATE $4,000,000 DED ✓ RETENTION$10,000 $ C WORKERS COMPENSATION 473858 1/1/2020 1/1/2021 i STATUTE OTH- ER AND EMPLOYERS'LIABILITY YIN ANYPROPRIETOR REXCLUDE/PARTNER/EXECUTIVE XCLU EE ECUTIVE N!A E.L.EACH ACCIDENT _$1,000,000 OFFICE(Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $1.000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $1,000,000 A' Professional Liability PACEP4258020 4/30/2020 4/30/2021 $1,000,000 Ea Occ/$2,000,000 Agg Limit A Pollution Liability PACEP4258020 4/30/2020 4/30/2021 $1,000,000 Ea Occ/$2,000,000 Agg Limit B Leased or Rented Equipment 5X86249 4/30/2020 4/30/2021 $350,000 Limit/$1,000 Deductible DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) RE:All Operations Blanket Additional insured,Wavier of Subrogation and Primary and Non Contributory for General Liability and Automobile Liability Per Attached Endorsement EPACE100(04/15)&CA7450(11/17) General Liability Deductible$5,000 Per Occurrence,Professional Deductible$10,000 Per Claim&Pollution Deductible$10,000 Per Occurrence CERTIFICATE HOLDER CANCELLATION RE:All Operations SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Ashland THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Its Officers, agents, and employees ACCORDANCE WITH THE POLICY PROVISIONS. 20 East Main Street Ashland OR 97520 AUTHORIZED REPRESENTATIVE ere Nate S I P ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD 55323420 1 20-21A11 Coverages 1 Patty Gaines 1 5/1/2020 3:21:56 PM (PDT) 1 Page 1 of 13 Bergeson-Boese&Associates,Inc. PACEP4258020 XX. WHO IS AN INSURED Applicable to Coverage Part 1 and Part 2: Each of the following is an insured under Coverage Part 1 and Part 2: 1. If you are designated in the Declarations as: a. An individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business. c. F A limited liability company, you are an-insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers. d. An organization other than a partnership,joint venture or limited liability company, you are an insured. Your executive officers and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders. e. A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees. 2. With respect to all coverages other than Coverage 1F (Employee Benefits Administration Liability), each of the following is also an insured: a. Your volunteer workers, but only while performing duties related to the conduct of your business, or your employees, other than either your executive officers (if you are an organization other than a partnership,joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these employees or volunteer workers is an insured for: (1) Bodily injury or personal and advertising injury: (a) To you, to your partners or members (if you are a partnership or joint venture), or to your members (if you are a limited liability company); (b) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in subparagraph (1) (a) above; or - • (c),Arising out of the providing or failure to provide professional health care services except incidental health care services provided by any physician, dentist, nurse, emergency medical technician or paramedic who is employed by you to provide such services and provided you are not engaged in the business of providing such services. EPACE001-0415 Page 134 55323420 120-21A11 Coverages Patty Gaines I 5/1/2020 3:21:56 PM (PDT) I Page 2 of 13 (2) Property damage or environmental damage to property: (a) Owned, occupied or used by; or (b) Rented to, in the care, custody or control of, or over which physical control is beingexercised for;any purposety you, any of your employees, volunteer workers, any partner or member(if you are a partnership or joint venture), or any.member(if you are a limited liability company). b. Any person (other than your employee or volunteer worker), or any organization while acting as your real estate manager. c. Any person or organization having proper temporary custody of your property if you die, but only: . 1 .': (1.) .With:-respect-to- liability:arising F:out-of,:the. maintenance or use of that property; and (2) Until your legal representative has been appointed. d. Your legal representative if you die, btht only with respect to duties as such. That representative will have all your rights and duties under this Policy. 3. Any subsidiary, associated, affiliated or allied company or corporation, including subsidiaries thereof, of which you have more than 50% ownership interest as of the inception date is a Named Insured; however, such entities shall cease to be a Named Insured if you cease to maintain more than a 50% ownership interest. 4. Any organization you newly acquire or form, other than a partnership,joint venture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named Insured if there is no other similar insurance available to that organization. However: a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier; b. Coverage under this Policy does not apply to any bodily injury, property damage, environmental damage or pollution condition that took place, or an offense or wrongful act committed, before you acquired or formed the organization. 0 Any person or organization with whom you agree to include as an insured pursuant to a written contract, written agreement or permit is an insured, but: (i) only with respect to bodily injury, property damage, personal and advertising injury, environmental damage or clean-up costs caused,'in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf and arising out of your operations, your . • work, equipment or premises leased, rentedor owned'by you, or your products which • ' are distributed or sold in the regular course of pa vendor's business; (ii) only for the lesser of the applicable limits of liability set forth in section XXI. LIMITS OF LIABILITY AND DEDUCTIBLE or the minimum limits of liability required by such written contract; (iii)the insurance afforded only applies to the extent permitted by law; (iv)the insurance afforded will not be broader than that which you are required by the contract or agreement to provide for such insured. However: EPACE001-0415 Page 135 1 55323420 1 20-21A11 Coverages 1 Patty Gaines 1 5/1/2020 3:21:56 PM (PDT) 1 Page 3 of 13 a. A vendor is not an insured as respects bodily injury, property damage, environmental damage or clean-up costs arising out of: (1) Damages the vendor is obligated to.pay by reason of the assumption of liability in a contract or agreement except for any damages that the vendor would have been obligated to pay in the absence of the contract or • agreement; (2) Any express warranty unauthorized by you; (3) Any physical or chemical change in the product made intentionally by the • vendor; (4) Repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the,substitution-of•partsunder-instructions from you, and then repackaged in the original container; (5) Any failure to make 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; (6) Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's location 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; or (8) 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 subparagraph does not apply to: (a) the exceptions contained 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. 6. A manager or lessor of premises, a lessor of leased equipment, or a mortgagee, assignee, or receiver is not an insured as respects bodily injury, property damage, environmental damage, personal and advertising injury or clean-up costs: a. Arising out of any occurrence, offense,.pollution condition, or wrongful act - • that takes place after:.the'equipment leaseexpires or you cease to be a tenant; or b. Arising out of structural alterations, new construction or demolition operations performed by or on behalf of the manager or lesser of premises, or mortgagee, assignee, or receiver. EPACE001-0415 Page 136 55323420 1 20-21A11 Coverages 1 Patty Gaines 1 5/1/2020 3:21:56 PM (PDT) 1 Page 4 of 13 7. Solely with respect to Coverage 1F (Employee Benefits Administration Liability), each of the following is an insured: a. Each of your employees who is or was authorized to administer your employee benefits:program,. b. Any persons, organizations or employees having proper temporary authorization to administer your employee benefits program if you die, but only until your legal representative is appointed. 8. Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Policy. 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 nsuRed:in.the_.Declarations. Applicable to Coverage 3 —Professional Liability The following person(s) or entity(ies) are an insured under Coverage 3 - Professional Liability: 1. the first named insured and other named insured(s) expressly added to Item 1 of the Declarations; 2. any of your current or former directors, officers, partners, members, employees, or shareholders, as applicable, while acting within the scope of his or her duties as such, but only while rendering professional services on behalf of a named insured; and 3. the estate, heirs, executors, administrators and legal representatives of each named insured in the event of death, incapacity or bankruptcy of such insured, but only with respect to liability arising out of professional services rendered by a named insured prior to such death, incapacity or bankruptcy, and only to the extent that coverage would have been provided under Coverage 3 - Professional Liability. XXI. LIMITS OF LIABILITY AND DEDUCTIBLE Regardless of the number of claims, suits, claimants or insureds, the following limits of liability apply: 1. Limits Applicable to Part 1 Coverages a. General Aggregate Limit and General Aggregate Cap (1) The General Aggregate Limit set forth.in Item 3 of the Declarations is the most.we will pay for all loss under all Part 1:Coverages except: (i) damages because of bodily injury, property damage or environmental damage included in the products-completed operations hazard, and (ii) crisis management costs that result from a crisis management event arising directly from your product. (2) Subject to subparagraph (3) below,,the General Aggregate Limit applies separately to: EPACE001-0415 Page 137 55323420 1 20-21A11 Coverages 1 Patty Gaines 1 5/1/2020 3:21:56 PM (PDT) 1 Page 5 of 13 where the claim arose or is being defended. In addition, we may exercise our right to require that such counsel: a. meet certain minimum qualifications withrespect to competency, including possessing a minimum of.five.(5) years experience in defending claims similar to those asserted against the insured; b. maintain suitable errors and omissions insurance coverage; and c. agree, in writing, to respond in a timely manner to our requests for information regarding the claim. An insured may, at any time, waive any right it may have to select independent counsel. 13. Inspection and-Audit With reasonable notice to you, we shall be permitted, but not obligated, to inspect, sample and monitor on a continuing basis your property, equipment and/or operations. Neither our right to make inspections, sample and monitor, nor the actual undertaking thereof, nor any report thereon shall constitute an undertaking, on behalf of or for the benefit of you or others, to determine or warrant that such property or operations are safe, healthful or conform to acceptable engineering practice or are in compliance with environmental laws, or any other law, rule or regulation. Further, the first named insured agrees on behalf of all insureds, to grant us both the right to interview, and access to, any insured whom we reasonably believe may have relevant information pertaining to any claim or pollution condition potentially covered under this Policy. 14. Other Insurance If other valid and collectible insurance is available for any loss subject to coverage under this Policy, our obligations are limited as follows: Primary Insurance Except as provided in paragraph b. below, this insurance is primary. When this insurance is primary, our obligations are not affected unless any of the other insurance is also primary, in which case we will share with all other primary insurance by the method described in paragraph c. below. However, in the • • -event that a written contract,writtemagreement or permit requires this insurance to be primary for any person or organization that you agreed to insure, and provided such person or organization is an insured.under this Policy, this insurance will be primary and we will not seek contribution from any other insurance issued to such person or organization. b. Excess Insurance This insurance is excess over: (1) Any other insurance, whether primary, excess, contingent or on any other basis that is: (i) Fire, Extended Coverage,:Builder's Risk, Installation Risk or similar coverage for your work; (ii) Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner; (iii) insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occupied by you with permission of the owner; or(iv) insurance applicable to loss arising out of the maintenance or use of aircraft, autos or watercraft; EPACE001-0415 Page 145 55323420 1 20-21A11 Coverages 1 Patty Gaines 1 5/1/2020 3:21:56 PM (PDT) 1 Page 6 of 13 (2) Notwithstanding the provisions ofjparagraph a. above, any other primary insurance available to you covering liability for damages arising out of the premises or operations, the products-completed operations hazard, your work, transportation, waste disposal facility, non-owned location, scheduled site or unscheduled Site for which you have been added as an additional insured; or (3) Any insurance: (a) available to the insured and issued, or applicable to, any territory outside the United States of America, its territories and possessions, Puerto Rico and Canada; or (b) required by law, regulation or other governmental authority in any country or jurisdiction outside the United States of America, its territories and possessions, Puerto.Rico and.Ganda. . When this insurance is excess: (a) 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; however (b) If no other insurer has a duty to defend, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. When this insurance is excess over other insurance, we will pay only our share of the amount of loss, if any, that exceeds the sum of the: (i) total amount that all such other insurance would pay for the loss in the absence of this.insurance; and (ii)total of all deductibles, retained and self-insured amounts under all that other insurance. Then, we will share the remaining loss, if any, with any other insurance that is not described in this subparagraph (b) and was not bought specifically to apply in excess of the applicable Limits of Liability of this Policy. c. . Method of Sharing ,. If.all of theother.insurance,permits contribution.by,equal shares, we also will follow such method. Under this method, each insurer contributes equal amounts until it has paid its limit of liability or no 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 limit of liability to the total applicable limits of insurance of all insurers. 15. Separation of Insureds Except with respect to the Limits of Liability, Deductible, Insured versus Insured exclusion, and any'rights'and duties specifically assigned to the first named insured, this insurance applies: I , a. As if each Named Insured were the only Named Insured; and b. Separately to each insured against whom a claim is made. EPACE001-0415 Page 146 55323420 1 20-21A11 Coverages 1 Patty Gaines 1 5/1/2020 3:21:56 PM (PDT) 1 Page 7 of 13 Misrepresentation or concealment by one insured,shall not prejudice the interest or coverage for another insured under this Policy, except where such latter insured is a parent, subsidiary, or affiliate of the insured that committed such misrepresentation or concealment. For the purposes of this condition, an "affiliate" means an entity that directly or indirectly is controlled by, or is under common control with, the insured that committed such misrepresentation or concealment. Notwithstanding the forgoing, nothing stated herein shall preclude us from seeking and obtaining rescission of this.Policy in the event of a material misrepresentation in the application for insurance. In addition, nothing stated herein shall operate to increase the limit(s) of liability provided hereunder. 16. Sole Agent The first named insured shall act on behalf of all insureds for the payment of the Deductible, payment or return of premium, receipt and acceptance of any endorsement issued to form a part of this Policy, giving and receiving notice of cancellation, and the exercise of the rights.provided in section XXIV. EXTENDED REPORTING PERIODS. 17! Subrogation In the event of any payments made pursuant to this Policy, we shall be subrogated to any insured's rights of recovery against any person, entity or organization. The insured shall execute and deliver instruments and papers and do whatever is necessary to secure and perfect such rights. No insured shall do anything to prejudice such rights. Any recovery obtained as a result of subrogation, after such expenses incurred in the subrogation proceedings are deducted by us, shall accrue first to the insured to the extent of any payments in excess of the Limit of Liability; then us to the extent of any payments made under this Policy; and then to the insured to the extent of its Deductible. However, solely with respect to Coverage Part 1 or Coverage Part 2, if the insured has waived rights of recovery against any person, entity or organization prior to a loss or claim, we waive any right to recovery we may have under the policy against such person, entity or organization. 18. Voluntary Payments The insured shall not settle any claim or suit or, with the exception of emergency expenses, make any voluntary payments without our prior written consent. If we recommend a settlement, the insured;shell,haye,the-opportunity,to consent.to,it,.such consent not to be unreasonably withheld or delayed. If we recommend,a settlement that is acceptable to a claimant for a'total amount in excess of the applicable Deductible and within the applicable Limits of Liability and the insured refuses to consent to such settlement, then our liability for loss shall be limited to that portion of the recommended settlement, and the legal defense costs incurred as of the date of the insured's refusal, which exceeds the Deductible and falls within the applicable Limit of Liability. XXIV. . EXTENDED REPORTING PERIODS . This section XXIV..applies to,Coverages 2C, 2D and.3.only. 1. We will provide one or more Extended Reporting Periods, as described below, if this Policy is terminated for any of the following reasons: a. Cancellation by us for any reason other than failure to pay a premium when due or fraud or material misrepresentation; EPACE001-0415 Page 147 55323420 1 20-21A11 Coverages 1 Patty Gaines 1 5/1/2020 3:21:56 PM (PDT) 1 Page 8 of 13 COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ' ' COMMERCIAL AUTO ELITE EXTENSION This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM The BUSINESS AUTO COVERAGE FORM is amended to include the following clarifications and extensions of coverage. With respect to coverage provided by this endorsement,the provisions of the Coverage Form apply unless modified by the endorsement. A. TEMPORARY SUBSTITUTE AUTO PHYSICAL C. EMPLOYEES AS INSUREDS DAMAGE:. The following is added to the Section II —Covered Section I — Covered Autos Paragraph C. Certain Autos Liability Coverage, Paragraph A.1. Who Is Trailers, Mobile Equipment, and Temporary An Insured provision: Substitute Autos is amended by adding the Any"employee"of yours is an "insured"while using following: a covered "auto" you don't own, hire or borrow in If Physical Damage Coverage is provided by this your business or your personal affairs. coverage form for an "auto" you own, the Physical D. EMPLOYEE HIRED AUTOS Damage Coverages provided for that owned "auto" are extended to any "auto" you do not own 1. Changes In Covered Autos Liability while used with the permission of its owner as a Coverage temporary substitute for the covered "auto" you The following is added to the Who Is An own that is out of service because of breakdown, Insured provision: repair,,servicing, "loss"or destruction. An ''employee " of yours is an "insured" while The coverage provided is the same as the operating an "auto" hired or rented under a • coverage provided for the vehicle being replaced. contract or agreement in an "employee's" B. AUTOMATIC ADDITIONAL INSUREDS name, with your permission, while performing duties related to the conduct of your business. The Who Is An Insured provision under Covered 2. Changes In General Conditions Autos Liability Coverage is changed to include the following as an"insured": Paragraph 5.b. of the Other Insurance 1. Where Required by a Contract or Agreement Condition in the Business Auto Coverage Form the following is added: is replaced by the following: The Who Is An Insured provision contained in the For Hired Auto Physical Damage Coverage, the Business Auto Coverage -Form is amended -to following are deemed to be covered "autos" add the following`: ! ; you'oWn: Any person or organization whom you become a. Any covered "auto" you lease, hire, rent or borrow; and obligated to include as an additional insured under this policy, as a result of any contract or agreement , b. Any covered "auto" hired or rented by your you enter into which requires you to furnish "employee" under a contract in an insurance to that person or organization of the type "employee's" name, with your permission, provided by this policy, but only with respect to while performing duties related to the liability covered by the terms of this policy, arising conduct of your business. out of the use of a covered "auto" you own, hire or However, any"auto",that is leased, hired, rented or borrow and resulting from the acts or omissions by - borrowed with'a driver is not a covered "auto". you, any of your "employees" or agents. The E. NEWLY, ,FORMED; OR ACQUIRED insurance provided herein will not exceed: ORGANIZATIONS (1) The coverage and/or limits of this policy, or Section II — Covered Autos Liability Coverage, (2) The coverage and/or limits required by said A.1.Who Is An Insured is amended by adding the contract or agreement, following: whichever is less. - CA7450(11-17) Includes copyrighted material of ISO Properties,Inc.with its permission. Page 1 of 5 55323420 I 20-21A11 Coverages I Patty Gaines I 5/1/2020 3:21:56 PM (PDT) I Page 9 of 13 Any organization which you acquire or form after I. TOWING the effective date of this policy in which you . • Section III — Physical Damage Coverage, A.2. maintain ownership or majority interest. However: • Towing is replaced with the following: (1) Coverage under this provision is afforded only . ,We will pay.for towing and•.labor.costs'incurred, up to .1.80 days after you acquire or form the subject to the following: . .. . organization, or to the end-.of the..policy period, "` whichever is earlier. , . a. Up to,$100 each time ,a covered "auto",of the (2) Any organization you acquire or form will not be private passenger type is disabled; or considered an"insured" if: b. Up to $500 each time a covered "auto" other (a) The organization is a partnership or a joint than the private passenger type is disabled. venture; or However, the labor must be performed at the place (b) That organization is covered under other of disablement. similar insurance. J LOCKSMITH SERVICES (3) Coverage under this provision does not apply Section III — Physical Damage Coverage, A.4. to any claim for "bodily injury" or "property Coverage Extensions is amended by adding the damage" resulting from an "•accident" that following: occurred before, you formed,or acquired the We will pay up to $250 per occurrence for organization. . .. necessary locksmith services for keys locked inside F. SUBSIDIARIES AS INSUREDS a covered private passenger "auto". The deductible is waived for these services. Section II — Covered Autos Liability Coverage, K. TRANSPORTATION EXPENSES A.1.Who Is An Insured is amended by adding the following: Section III — Physical Damage Coverage, A.4. Any legally incorporated subsidiary in which you Coverage Extensions Subparagraph a. own more than 50% of the voting stock on the Transportation Expenses is replaced by the effective date of this policy. However, "insured" following: does not include any subsidiary that is an "insured" (1) We will pay up to $75 per day to a maximum of under any other automobile liability policy or was an $2,500`for .temporary .transportation expense "insured" Under such a policy but for termination of incurred by you because of the total theft of a that policy or the exhaustion of the policy's limits of covered "auto" of the private passenger type. liability. We will pay only for those covered "autos" for G. SUPPLEMENTARY PAYMENTS which you carry either Comprehensive or Section II — Covered Autos Liability Coverage, Specified Cause Of Loss Coverage. We will A.2.a. Coverage Extensions, Supplementary pay for temporary transportation expenses Payments (2) and (4) are replaced by the incurred during the period beginning 48 hours after the theft and ending, regardless of the following: policy's expirations, when the covered "auto" is (2) Up to $5,000 for cost of bail bonds (including returned to use or we pay for its"loss". bonds for related traffic law violations) required (2) If the temporary transportation expenses you because of an,"accident;,we cover. We,do not incur arise from your rental of an "auto" of the ''hae to'farnish thesetionds. private passenger type, the most we will pay is (4) All reasonable expenses incurred by the the amount it costs to rent an "auto" of the "insured" at our request, including actual loss of private passenger type which is of the same earnings up to $500 a day because of time off like kind and quality as the stolen covered from work. "auto". H. FELLOW EMPLOYEE COVERAGE L. AUDIO, VISUAL, AND DATA ELECTRONIC In those jurisdictions where, by law, fellow EQUIPMENT COVERAGE ADDED LIMITS employees are not entitled to the protection Audio, Visual, And Data Electronic Equipment afforded to the employer by workers compensation Coverage Added Limits of$5,000 Per"Loss" are in exclusivity rule, or similar protection. The following addition to the sublimit in. Paragraph C.1.b. of the :provision is added: • . . . Limits Of Insurance provision udder Section III — Subparagraph 5. of Paragraph B. Exclusions in Physical Damage Coverage. Section II — Covered Autos Liability Coverage M. HIRED AUTO PHYSICAL DAMAGE does not apply if the "bodily injury" results from the Section III — Physical Damage Coverage, A.4. use of a covered"auto"you own or hire. Coverage Extensions is amended by adding the following: CA7450(11-17) Includes copyrighted material of ISO Properties,Inc.with its permission. Page 2 of 5 55323420 1 20-21A11 Coverages 1 Patty Gaines 1 5/1/2020 3:21:56 PM (PDT) 1 Page 10 of 13 I If hired "autos" are covered "autos" for Liability O. PERSONAL PROPERTY OF OTHERS Coverage, and, if Comprehensive, Specified ! Section III — Physical Damage Coverage, A.4. Causes of Loss, or'Collision coverage is provided Coverage Extensions is amended by adding the for any "auto"you own, then the Physical Damage following: coverages provided are extended to "autos" you , r We will'pay up to'$500 for.lass`to personal property hire, subject to the following limit and deductible: of other in or on your covered"auto: (1) The most we will pay for loss to any hired This coverage applies only in the event of"loss" to "auto" is the lesser of Actual Cash Value or your covered "auto"' caused by fire, 'lightning, Cost of Repair, minus the deductible. explosion, theft, mischief or vandalism, the covered (2) The deductible will be equal to the largest "auto's" collision with another object, or the covered deductible applicable to any owned "auto" for "auto's"overturn. that coverage. No deductible applies to "loss" No deductibles apply to this coverage. caused by fire or lightning. (3) Subject to the above limit and deductible P. PERSONAL EFFECTS COVERAGE provisions, we will provide coverage equal to Section III — Physical Damage Coverage, A.4. the broadest coverage applicable to any Coverage Extensions is amended by adding the covered "auto"you own. , . following: t,. We will pay up to $1,000, in addition to the limit W,e will pay up to $500 for "loss" to,your personal above, for loss of use of a hired auto to a effects not otherwise covered in the policy or, if you leasing or rental concern for a monetary loss are an individual, the personal effects of a family sustained, provided it results from an "accident" member, that is in the covered auto at the time of the for which you are legally liable. "loss". However, any "auto"that is leased, hired, rented or For the purposes of this extension personal effects borrowed with a driver is not a covered "auto". means tangible property that is worn or carried by an insured including portable audio, visual, or electronic N. AUTO LOAN OR LEASE COVERAGE devices. Personal effects does not include tools, Section III — Physical Damage Coverage jewelry, guns, money and securities, or musical Paragraph A.4. Coverage Extensions is amended instruments by the addition of the following: Q. EXTRA EXPENSE FOR STOLEN AUTO . In the event,of a total "loss" to a.covered "auto" 'Section III — Physical Damage Coverage, A.4. which is covered , under 'this policy for Coverage Extensions is amended by adding the Comprehensive, Specified Cause of Loss, or following: Collision coverage, we will pay any unpaid amount We will pay up to $1,000 for the expense incurred due, including up to a maximum of $500 for early returning a stolen covered "auto" to you because of termination fees or penalties, on the lease or loan the total theft of such covered "auto". Coverage for a covered"auto", less: applies only to those covered "autos" for which you 1. The amount paid under the Physical Damage carry Comprehensive or Specified Causes Of Loss Coverage Section of the policy; and Coverage. • 2. Any: R. RENTAL REIMBURSEMENT of the"loss";lease/loan Section III =.Physical .Damage -Coverage, A.4. a. Overdue payyments at the time Coverage Extensions is amended by adding the following: b. Financial penalties imposed under a lease 1. This coverage a lies onlyto a covered"auto"for for excessive use, abnormal wear and tearpp or high mileage; which Physical Damage Coverage is provided on this policy. c. Security deposits not returned by the lessor; 2. We will pay for rental reimbursement expenses d. Costs for extended warranties, Credit Life incurred by' you for the rental of an "auto" because of "loss" to a covered "auto". Payment Insurance, Health, Accident or Disability applies in addition to the otherwise applicable . Insurance purchasedwith the loan or lease; 'amount of each coverage you have on a covered and "auto". No deductibles apply to this coverage. e. Carry-over balances from'previous loans or 3.' We will pay only for those expenses 'incurred leases. during the policy period beginning':24 hours Coverage does not apply to any unpaid amount after the "loss" and ending, regardless of the due on a loan for which the covered "auto" is not policy's expiration, with the lesser of the the sole collateral. following number of days. ! CA7450(11-17) Includes copyrighted material of ISO Properties,Inc.with its permission. Page 3 of 5 55323420 1 20-21A11 Coverages 1 Patty Gaines 1'5/1/2020 3:21:56 PM (PDT) 1 Page 11 of 13 a. The number of days reasonably required to For the purposes of this coverage extension a new repair or replace the covered "auto". If covered auto is defined as an "auto"of which you are "loss" is caused by theft, this number of the original owner that has not been previously titled days is added to the number of days it which you purchased less than 1.80.days prior to the takes, to locate the covered "auto" and date of loss. • . . , . t ,• return it to you; or U. LOSS' TO TWO 'OR MORE COVERED AUTOS b. 30 days.. FROM ONE ACCIDENT 4. Our payment is limited to the lesser of the Section III — Physical Damage Coverage, D. following amounts: Deductible is amended by adding the following: a. Necessary and actual expenses incurred; If a Comprehensive, Specified Causes of Loss or or Collision Coverage"loss"from one"accident" involves two or more covered "autos", only the highest b. $75 per day, subject to a$2,250 limit. deductible applicable to those coverages will be 5. This coverage does not apply while there are applied to the"accident". spare or reserve "autos" available to you for If the application of the highest deductible is less your operations. favorable or more restrictive to the insured than the 6. If"loss" results from the total theft of a covered separate deductibles as applied in the standard form, "auto" of the private passenger type, we will the standard deductibles will'apply: pay under this coverage only that amount of This provision only applies if you carry your rental reimbursement expenses which is Comprehensive, Collision or Specified Causes of not already provided for under the Physical Loss Coverage for those vehicles, and does not Damage — Transportation Expense Coverage extend coverage to any covered"autos"for which you Extension included in this endorsement. do not carry such coverage. 7. Coverage provided by this extension is excess V. WAIVER OF DEDUCTIBLE — GLASS REPAIR OR over any other collectible insurance and/or REPLACEMENT endorsement to this policy. Section III — Physical Damage Coverage, D. S. AIRBAG COVERAGE Deductible is amended by adding the following: Section III — Physical Damage Coverage, B.3.a. If a Comprehensive Coverage deductible is shown in Exclusions is amended by adding the following: the Declarations it does not apply to the cost of If you have purchased Comprehensive or Collision repairing or replacing damaged glass. Coverage under this policy, the exclusion relating to W. DUTIES IN THE EVENT OF ACCIDENT, CLAIM, mechanical breakdown does not apply to the SUIT,OR LOSS accidental discharge of an airbag. Section IV — Business Auto Conditions, A.2. T. NEW VEHICLE REPLACEMENT COST Duties In The Event Of Accident, Claim, Suit Or The following is added to Paragraph C. Limit Of Loss is amended by adding the following: Insurance of Section III — Physical Damage Your obligation to notify us promptly of an "accident", Coverage claim, "suit" or "loss" is satisfied if you send us the In the event of a total"loss"to your new covered auto required notice as soon as practicable after your of the private passenger type or vehicle having a Insurance Administrator or anyone else designated by gross vehicle weight of 20,000 pounds or less, to you to be responsible for insurance matters is notified, which this coverage applies, we will pay at your or in any manner made aware, of an"accident", claim, option: "suit"or"loss". a. The verifiable new vehicle purchase price you X. WAIVER OF TRANSFER OF RIGHTS OF paid for your damaged vehicle, not including any RECOVERY insurance or warranties. Subparagraph 5. of Paragraph A. Loss Conditions b. The purchase price, as negotiated by us, of a of Section IV — Business Auto Conditions is new vehicle of the same make, model, and deleted in its entirety and replaced with the following. equipment, or most similar model available, not Transfer Of Rights Of Recovery Against Others including any furnishings, parts, or equipment not To Us installed by the manufacturer or their dealership. If any person or organization to or for whom we c. The market value of your damaged vehicle, not make payment under this Coverage Form has including any furnishings, parts, or equipment not rights to recover damages from another, those installed by the manufacturer or their dealership. rights are transferred to us. That person or We will not pay for initiation or set up costs associated organization must do everything necessary to secure our rights and must do nothing after with a loans or leases. "accident"or"loss"to impair them. CA7450(11-17) Includes copyrighted material of ISO Properties,Inc.with its permission. Page 4 of 5 55323420 1 20-21A11 Coverages 1 Patty Gaines 1 5/1/2020 3:21:56 PM (PDT) 1 Page 12 of 13 However, we waive any right of recovery we may Z. MENTAL ANGUISH have against any person, or organization with Section. V — Definitions, C. is replaced by the • whom you have a written contract, agreement or followin : • - permit:executed.prior to the "loss";that requires a waiver of recovery for payments made for damages `Bodily injury` sickness or means bodily;;injury;, • ^arising.;opt'of,youur.operations,done under.contract disease sustained 'by a• person; including mental anguish or death resulting from bodily injury, sickness with such person or organization. . . or'disease. Y. UNINTENTIONAL FAILURE TO DISCLOSE AA. LIBERALIZATION - EXPOSURES If we revise this endorsement to provide greater Section IV — Business Auto Conditions, B.2. coverage without additional premium charge, we will Concealment, Misrepresentation, Or Fraud is automatically provide the additional coverage to all amended by adding the following: endorsement holders as of the day the revision is If you unintentionally fail to disclose any exposures effective in your state. existing at the inception date of this policy, we will not deny coverage under this Coverage Form solely because of such failure to disclqse. However, this provision does not,affect our right to collect additional t premium or exercise our right of cancellation or non- , ' renewal. • • CA7450(11-17) Includes copyrighted'material of ISO Properties,Inc.with its permission. Page 5 of 5 55323420 1 20-21A11 Coverages 1 Patty Gaines 1 5/1/2020 3:21:56 PM (PDT) 1 Page 13 of 13