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HomeMy WebLinkAbout6607 Client#: 95818 KITSHUMAI ACORDTM CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) 6/06/2024 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER.THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND,EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW.THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S),AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED,subject to the terms and conditions of the policy,certain policies may require an endorsement.A statement on this certificate does not confer any rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: Nicole Anderson Propel Insurance PHONE 800 499-0933 FAX 866 577-1326 (A/C,No,Ext): (A/C,No): 1201 Pacific Avenue; Suite 1000 E-MAIL nicole.anderson@propelinsurance.com COM Middle Market ADDRESS: INSURER(S)AFFORDING COVERAGE NAIL# Tacoma,WA 98402-4321 INSURER A:StarNet Insurance Company 40045 INSURED INSURER B:Allied World Surplus Lines Insurance Co 24319 Kitsap Humane Society INSURER C: 9167 Dickey Rd NW Silverdale,WA 98383 INSURER D: 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, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE INSRL SUBR WVD POLICY NUMBER POLICY EFF POLICY EXP LIMITS (MMLIC/YEFF (POLICY EXP A X COMMERCIAL GENERAL LIABILITY HHS857742416 05/31/2024 05/31/2025 EACH OCCURRENCE $1,000,000 CLAIMS-MADE X OCCUR PREMISESO(EaocMence) $1,000,000 MED EXP(Any one person) $20,000 PERSONAL&ADV INJURY $1,000,000 GENT AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000,000 PRO- POLICY JECT LOC X PRODUCTS-COMP/OPAGG $2,000,000 OTHER: $ A AUTOMOBILE LIABILITY HHS857742416 05/31/2024 05/31/2025 COMBINED SINGLE LIMIT $1,000,000 (Ea accitlent) X ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS X AUTOS ONLY X NON-OWNED PROPERTY DAMAGE AUTOS ONLY (Per accident) A X UMBRELLA LIAB X OCCUR HHS857742416 05/31/2024 05/31/2025 EACH OCCURRENCE $3,000,000 EXCESS LIAB CLAIMS-MADE AGGREGATE $3,000,000 DED RETENTION$ $ A WORKERS COMPENSATION HHS857742416 05/31/2024 05/31/2025 'MUTE EMPLOYERS'LIABILITY STATUTE ER Y/N ANY PROPRIETOR/PARTNER/EXECUTIVE WA STOP GAP E.L.EACH ACCIDENT $1,000,000 OFFICER/MEMBER EXCLUDED? N N/A (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 B Vet Professional 03113694 05/31/2024 05/31/2025 1,000,000 per claim 1,000,000 Aggregate DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES(ACORD 101,Additional Remarks Schedule,may be attached if more space is required) RE: Kitsap Wine Festival,August 8, 2020 City of Bremerton is listed as Additional Insured per attached endorsements. Insured has$1 Million Host Liquor Liability. CERTIFICATE HOLDER CANCELLATION Cityof Bremerton SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN 345 6th Street, Ste 100 ACCORDANCE WITH THE POLICY PROVISIONS. Bremerton,WA 98337 AUTHORIZED REPRESENTATIVE ini441 ft. At-. ©1988-2015 ACORD CORPORATION.All rights reserved. ACORD 25(2016/03) 1 of 1 The ACORD name and logo are registered marks of ACORD #56692386/M6686472 JMHOO This page has been left blank intentionally. COMMERCIAL GENERAL LIABILITY CG 83 91 1219 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ CAREFULLY. GENERAL LIABILITY BROADENING ENDORSEMENT This endorsement modifies the insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART Throughout this endorsement, the words "you" and"your" refer to the Named Insured shown in the Declarations. The word "we," "us," and"our" refer to the company providing this insurance. The following is only a summary of the additional coverages provided by this endorsement and is provided only for your reference and convenience. For the Limits of Insurance and the additional coverages provided by this endorsement, read the provisions on the following pages and the Coverage Form, which this endorsement modifies. SUBJECTS OF INSURANCE Broadened Bodily Injury Broadened Personal and Advertising Injury Broadened Property Damage Broadened Fire, Lightning, Explosion, and Sprinkler Leakage -$500,000 Broadened Medical Payments -$20,000 Broadened Supplementary Benefits a. Bail Bonds- $1,000 b. Expenses Incurred to Assist in Defense -$500 per Day Broadened Newly Acquired or Formed Organization Broadened Non-Owned or Chartered Watercraft or Aircraft Broadened Commercial General Liability Conditions a. Duties in the Event of Occurrence, Offense, Claim, or Suit b. Liberalization—Automatic Coverage If We Adopt Broader Coverages c. Notice to Company Automatic Coverage for"Special Events" Automatic Additional Insureds a. Athletic Activity Participants b. Contractual Obligations c. Funding Sources d. Manager or Lessor of Premises e. Owner, Manager, Operator, or Lessor of"Special Event" Premises f. Supervisors or Higher in Rank—Co-Employee Exclusion Removed g. Limitations Blanket Waiver of Subrogation Priority of Application for Multiple Insureds The coverages listed in this endorsement are provided as extensions or additions to your insurance program. CG 83 91 1219 Includes copyrighted material of Insurance Services Page 1 of 8 Office, Inc., with its permission A. BROADENED BODILY INJURY Paragraph 3. of Section V—Definitions is deleted and replaced with the following: 3. "Bodily injury" means physical injury, sickness, or disease sustained by a person, including death resulting from any of these. "Bodily injury" also means mental injury, mental anguish, humiliation, or shock sustained by a person, if directly resulting from physical injury, sickness, or disease sustained by that person. B. BROADENED PERSONAL AND ADVERTISING INJURY 1. Paragraph 14. of Section V- Definitions is deleted and replaced with the following: 14. "Personal and advertising injury" means injury, including consequential "bodily injury"arising out of one or more of the following offenses during the policy period. a. False arrest, detention, or imprisonment; b. Malicious prosecution or abuse of process; c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling, or premises that a person occupies by or on behalf of its owner, landlord, or lessor; d. Oral, written, televised, videotaped, or electronic publication of material that slanders or libels a person or organization, or disparages a person's or organization's goods, products, or services; e. Oral, written, televised, videotaped or electronic publication of material that violates a person's right of privacy; f. Misappropriation of advertising ideas or style of doing business; g. Infringement of copyright, title, or slogan; or h. Mental injury, mental anguish, humiliation, or shock, if directly resulting from Items 14.a.through 14.g. above. 2. Exclusions 2.b.and 2.c. under Coverage B - Personal and Advertising Injury Liability are deleted and replaced with the following: b. Material Published with Knowledge of Falsity "Personal and advertising injury" arising out of oral, written, televised, videotaped, or electronic publication of material, if done by or at the direction of the insured with knowledge of its falsity; c. Material Published Prior to Policy Period "Personal and advertising injury" arising out of oral, written, televised, videotaped, or electronic publication of material whose first publication took place before the beginning of the policy period; C. BROADENED PROPERTY DAMAGE Exclusion 2.a. under Coverage A - Bodily Injury and Property Damage Liability is deleted and replaced with the following: a. Expected Or Intended Injury "Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to"bodily injury" or"property damage" resulting from the use of reasonable force to protect persons or property. D. BROADENED FIRE, LIGHTNING, EXPLOSION AND SPRINKLER LEAKAGE 1. Paragraph 6. under Section III -Limits Of Insurance is deleted and replaced with the following: 6. Subject to 5.above, the Damage to Premises Rented to You Limit is the most we will pay under Coverage A for damages because of"property damage" to: a. Any one premises while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner; and b. Personal property of others in your care, custody, or control, while at premises rented to you or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner, arising out of any one fire, lightning, explosion, or sprinkler leakage occurrence. Page 2 of 8 Includes copyrighted material of Insurance Services CG 83 91 1219 Office, Inc., with its permission The Damage to Premises Rented to You Limit is the greater of: c. $500,000; or d. The amount shown in the Declarations for Damage to Premises Rented to You Limit. 2. Paragraph 2. Exclusions of Coverage A -Bodily Injury and Property Damage Liability is amended as follows: Paragraphs c.through n., do not apply to damage by fire, lightning, explosion, or sprinkler leakage to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section III - Limits Of Insurance. 3. Paragraph 4. Other Insurance of Section IV- Commercial General Liability Conditions is amended as follows: Paragraph b.(1)(a)(ii) is deleted and replaced with the following: (ii) That is Fire, Lightning, Explosion, or Sprinkler Leakage insurance for premises rented to you or temporarily occupied by you with permission of the owner; or 4. Paragraph 9.a. under Section V- Definitions is deleted and replaced with the following: a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire, lightning, explosion or sprinkler leakage to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured contract"; 5. This Broadened Coverage is subject to all the terms of Section III-Limits Of Insurance. 6. This Broadened Coverage does not apply if Fire Damage Liability of COVERAGE A (SECTION I) is excluded either by the Declaration to this Coverage Part or by an endorsement to this Coverage Part. E. BROADENED MEDICAL PAYMENTS 1. The following provision is added to Paragraph 2. of Section III - Limits Of Insurance: The Medical Expense Limit shall be the greater of: a. $20,000; or b. The amount shown in the Declarations for Medical Expense Limit. 2. This Medical Expense Limit is subject to all the terms of Section III- Limits Of Insurance. 3. This above Medical Expense Limit does not apply if Coverage C - Medical Payments is excluded either by the Declaration to this Coverage Part or by an endorsement to this Coverage Part. F. BROADENED SUPPLEMENTARY PAYMENTS Paragraphs 1.b. and 1.d. under Supplementary Payments -Coverages A and B are deleted and replaced with the following: b. Up to$1,000 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or"suit," including actual loss of earnings up to$500 a day because of time off from work. G. BROADENED NEWLY ACQUIRED OR FORMED ORGANIZATION Paragraph 3.a under Section II-Who Is An Insured is deleted and replaced by the following: a. Coverage under this provision is afforded only until the 120th day after you acquire or form the organization or the end of the policy period, whichever is earlier. H. BROADENED NON-OWNED OR CHARTERED WATERCRAFT OR AIRCRAFT Exclusion 2.g. under Coverage A- Bodily Injury and Property Damage Liability is deleted and replaced by the following: g. "Bodily injury" or "property damage" arising out of the ownership, maintenance, use, or entrustment to others of any aircraft, "auto," or watercraft owned by or operated by, or rented or loaned to, any insured. Use includes operation and"loading or unloading". CG 83 91 12 19 Includes copyrighted material of Insurance Services Page 3 of 8 Office, Inc., with its permission This exclusion does not apply to: (1) A watercraft while ashore on premises you own or rent; (2) A watercraft you do not own that is: (a) Less than 51 feet long; and (b) Not being used to carry persons or property for a charge; (3) Parking an "auto" on, or on the ways next to premises you own or rent, provided the"auto" is not owned by or rented, or loaned to you or the insured; (4) Liability assumed under any"insured contract"for the ownership, maintenance, or use of aircraft, watercraft, or"autos"; or (5) "Bodily injury" or"property damage" arising out of the operation of any of the equipment listed in Paragraph f. (2)or f.(3) of Section V- Definitions, Paragraph 12., "Mobile Equipment"; or (6) An aircraft you do not own that is: (a) Hired, chartered, or loaned with a crew; and (b) Not owned in whole or in part by any insured. (7) This insurance does not apply, under Paragraph g.(1)and g.(2)above, if the insured has any other insurance for"bodily injury"or"property damage"which would also apply to loss covered under this provision, whether the other insurance is primary, excess, contingent, or on any other basis. (8) This insurance is excess, under Paragraph g.(6) above, over any other insurance, whether the other insurance is primary, excess, contingent or on any other basis. I. BROADENED COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Paragraph 2. Duties in The Event Of Occurrence, Offense, Claims Or Suit under Section IV- Commercial General Liability Conditions is amended to add the following provision: e. Your obligation to notify us as soon as practicable of an "occurrence," or offense under Paragraph 2.a. above, or a claim or"suit" or offense under Paragraphs 2.a., 2.b., and 2.c above, is satisfied if you send us written notice as soon as practicable after any of your "executive officers," directors, partners, insurance managers, or legal representatives becomes aware of, or should have become aware of, such "occurrence," offense, claim or"suit." 2. The following provisions are added to Section IV-Commercial General Liability Conditions: 10. Liberalization If we adopt any revision that would broaden the coverage under this coverage part without additional premium within 30 days prior to or during the policy period, the broadened coverage will immediately apply to this coverage part. 11. Notice To Company If you report an "occurrence" or offense to your Workers' Compensation insurer which later becomes a claim under this Coverage Part, failure to report such "occurrence" or offense to us at the time of the "occurrence" or offense will not be considered a violation of the Duties In The Event Of Occurrence, Offense, Claim Or Suit Condition, if you notify us as soon as practicable when you become aware that the"occurrence" or offense has become a liability claim. J. AUTOMATIC COVERAGE FOR SPECIAL EVENTS 1. You are automatically covered for all "special events"which you organize, promote, administer, sponsor, or conduct during the term of this policy. 2. Section V- Definitions is amended to add the following paragraph: 23. "Special Event" means any event: a. The purpose of which is to raise funds for you; or b. To recognize the accomplishments of your organization, your"employees," or your"volunteer workers"; or Page 4 of 8 Includes copyrighted material of Insurance Services CG 83 91 1219 Office, Inc., with its permission c. Which you, or an individual or organization with whom you have entered into a contract or agreement, organize, promote, administer, sponsor, or conduct for the purposes described in Paragraphs a.or b. above; and d. Which takes place on premises owned by you, or on premises while rented or leased to you or to that organization described in Paragraph c. above. K. AUTOMATIC ADDITIONAL INSURED(S) The following provisions are added to Section II -Who Is An Insured: 4. Automatic Additional Insured(s) a. Additional Insureds -Athletic Activity Participants (1) This policy is amended to include as an insured any person(s) [hereinafter called Additional Insured(s)] representing you while participating in amateur athletic activities that you sponsor. However, no such person is an insured for: (a) "Medical expenses" under Coverage C-Medical Payments. (b) "Bodily Injury" to: (i) A co-participant, your"volunteer worker" or your"employee" while participating in amateur athletic activities that you sponsor; or (ii) You, or any partner or member, (if you are a partnership or joint venture), or any member(if you are a limited liability company); or (c) "Property damage"to property owned by, occupied or used by, rented to , in the care, custody, or control of, or over which physical control is being exercised for any purpose by: (i) A co-participant, your"volunteer worker", or your"employee"; or (ii) You, or any partner or member, (if you are a partnership or joint venture), or any member(if you are a limited liability company). b. Additional Insured -Contractual Obligations (1) This policy is amended to include as an insured any person or organization (hereinafter called Additional Insured)that you are required by a written"insured contract" to include as an insured, subject to all of the following provisions: (a) Coverage is limited to liability arising out of: (1) Your ongoing operations performed for such Additional Insured; or (2) Such Additional Insured's financial control of you; or (3) The maintenance, operation or use by you of equipment leased to you by such Additional Insured; or (4) A permit issued to you by a state or political subdivision. (b) Coverage does not apply to any"occurrence" or offense: (i) Which took place before the execution of, or subsequent to the completion or expiration of, the written"insured contract"; or (ii) Which takes place after you cease to be a tenant in that premises. (c) With respect to architects, engineers, or surveyors, coverage does not apply to "Bodily Injury," "Property Damage," "Personal Injury," or"Advertising Injury" arising out of the rendering or the failure to render any professional services by or for you including: (i) The preparing, approving, or failing to approve or prepare maps, drawings, opinions, reports, surveys, change orders, designs or specifications; and (ii) Supervisory, inspection, or engineering services. (d) Coverage provided herein shall be considered excess over any other valid and collectible insurance available to the Additional Insured whether that other insurance is primary, excess, contingent, or on any other basis unless a written contractual arrangement specifically requires this insurance to be primary. CG 83 91 1219 Includes copyrighted material of Insurance Services Page 5 of 8 Office, Inc., with its permission (e) In the event that you are engaged in the manufacture or assembly of any goods or products for the benefit or at the direction of another party, pursuant to a contract or agreement with that party, this paragraph (e). does not extend coverage to that party as an Additional Insured. Coverage for such a party will be extended only by a specific endorsement issued by us and naming such party. c. Additional Insured -Funding Sources (1) This policy is amended to include as an insured any Funding Source (hereinafter called Additional Insured) which requires you in a written contract to name such Additional Insured but only with respect to liability arising out of your premises or"your work" for such Additional Insured, and only to the extent set forth as follows: (a) The Limits of Insurance applicable to the Additional Insured are the lesser of those specified in the written contract or agreement or in the Declarations for this policy and subject to all the terms, conditions and exclusions for this policy. The Limits of Insurance applicable to the Additional Insured are inclusive of, and not in addition to, the Limits of Insurance shown in the Declarations. (b) The coverage provided to the Additional Insured is not greater than that customarily provided by the policy forms specified in and required by the contract. (c) In no event shall the coverages or Limits of Insurance in this Coverage Form be increased by such contract. (d) Coverage provided herein shall be considered excess over any other valid and collectible insurance available to the Additional Insured whether that other insurance is primary, excess, contingent, or on any other basis unless a written contractual arrangement specifically requires this insurance to be primary. d. Additional Insured -Manager or Lessor of Premises (1) This policy is amended to include as an insured any person or organization (hereinafter called Additional Insured)from whom you lease or rent your premises and which requires you to add such person or organization as an Additional Insured in this policy under: (a) A written contract; or (b) An oral agreement or contract where a Certificate of Insurance has been issued showing that person or organization as an Additional Insured; but only if the written or oral agreement is an"insured contract"; (a) Currently in effect or to become effective during the term of this policy; and (b) Executed prior to the"bodily injury," "property damage," "personal injury", or"advertising injury." (2) With respect to the insurance afforded the Additional Insured identified in Paragraph d.(1) immediately above, the following additional provisions apply: (a) This insurance applies only to liability arising out of the ownership, maintenance, or use of that portion of the premises leased to you; (b) The Limits of Insurance applicable to the Additional Insured are the lesser of those specified in the written contract or agreement or in the Declarations for this policy and subject to all this policy's terms, conditions, and exclusions. The Limits of Insurance applicable to the Additional Insured are inclusive of, not in addition to, the Limits of Insurance shown in the Declarations. (c) In no event shall the coverages or Limits of Insurance in this Coverage Part be increased by such contract or agreement. (d) Coverage provided herein shall be considered excess over any other valid and collectible insurance available to the Additional Insured whether that other insurance is primary, excess, contingent, or on any other basis unless a written contractual arrangement specifically requires this insurance to be primary. (3) This insurance does not apply to: (a) Any"occurrence"or offense which takes place after you cease to be a tenant in the premises covered by this endorsement; or Page 6 of 8 Includes copyrighted material of Insurance Services CG 83 91 12 19 Office, Inc., with its permission (b) Structural alterations, new construction, or demolition operations performed by or on behalf of the Additional Insured. e. Additional Insured-Owner, Manager, Operator or Lessor of"Special Events"Premises (1) This policy is amended to include as an insured any person or organization (hereinafter called Additional Insured)from whom you lease, rent or occupy the premises upon which a"special event" is held, sponsored or conducted by you, or on your behalf, under: (a) A written contract; or (b) An oral agreement or contract where a Certificate of Insurance has been issued showing that person or organization as an Additional Insured; but only if the written or oral agreement is an "insured contract," (i) Currently in effect or to become effective during the term of this policy; and (ii) Executed prior to the"bodily injury", "property damage" or "personal and advertising injury". (2) With respect to the insurance afforded the Additional Insured identified in Paragraph e.(1)of this endorsement, the following additional provisions apply: (a) This insurance applies only to liability arising out of the use of that portion of the premises while leased or rented to you for the specific"special event"; (b) The Limits of Insurance applicable to the Additional Insured are the lesser of those specified in the contract or agreement pertaining to the use of the premises or in the Declarations for this policy and subject to all of this policy's terms, conditions, and exclusions. The Limits of Insurance applicable to the Additional Insured are inclusive of, not in addition to, the Limits of Insurance shown in the Declarations. (c) In no event shall the coverage or Limits of Insurance in this Coverage Form be increased by such contract or agreement. (d) Coverage provided herein shall be considered excess over any other valid and collectible insurance available to the Additional Insured whether that other insurance is primary, excess, contingent, or on any other basis unless a written contractual arrangement specifically requires this insurance to be primary. (3) This insurance does not apply to: (a) Any"occurrence" or offense which takes place after you cease to be a tenant, licensee or occupant in the premises covered by this endorsement; or (b) Any acts or"occurrences" caused by or attributable to the owner, manager, operator, or lessor of the premises upon which the"special event" is held. f. Additional Insured -Supervisors or Higher in Rank (1) This policy is amended to include as insured any"employees" (hereinafter called Additional Insured), designated as supervisor or higher in rank, who are authorized by you to exercise direct or indirect supervision and control over"employees" and the manner in which work is performed, 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" designated as supervisor or higher in rank, is an insured for: (a) "Bodily injury" or"personal injury": (i) 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); (ii) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in paragraph (a)(i) above; or (iii)Arising out of his or her providing or failing to provide professional health care services. (b) "Personal Injury": (i) To a co"employee"while in the course of his or her employment; (ii) To the spouse, child, parent, brother or sister of that co"employee" as a consequence of Paragraph (b)(i)above; or CG 83 91 12 19 Includes copyrighted material of Insurance Services Page 7 of 8 Office, Inc., with its permission (iii) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph (b)(i) or(b)(ii) above. (c) "Property damage"to property: (i) Owned, occupied or used by; or (ii) Rented to, in the care, custody, or control of, or over which physical control is being exercised for any purpose by you, any of your"employees," any partner, or member (if you are a partnership or joint venture), or any member(if you are a limited liability company). g. Additional Insured -LIMITATIONS (1) The persons, entities, or organizations to which coverage is extended under Paragraphs a. (Athletic Activity Participants), b. (Contractual Obligations), c. (Funding Sources), d. (Managers or Lessors of Premises), and e. (Owner, Manager, Operator, or Lessor of"Special Events" Premises) are Additional Insureds, but only: (a) With respect to each Additional Insured's vicarious liability for"actual damages" solely caused by you or by"your work" that is ongoing for such Additional Insured's supervision of"your work"; and (b) If the Additional Insured did not cause or contribute to the "occurrence" or act resulting in liability. (2) If an endorsement is attached to this policy and specifically names a person or organization as an Additional Insured, then the coverage extended under this paragraph 4. AUTOMATIC ADDITIONAL INSURED(S)does not apply to that person, entity, or organization. (3) The following is added to Section V-Definitions: 24. "Actual Damages" is to have its usual and customary legal meaning and excludes without limitation, punitive damages, restitution, penalties, and formula damages added to "actual damages" and any other enhanced damages. (4) All other terms and conditions of this Coverage Part which are not inconsistent with this Paragraph h.apply to coverage extended to the above referenced Additional Insureds REGARDLESS OF WHETHER OR NOT A COPY OF THIS COVERAGE PART AND/OR ITS ENDORSEMENTS ARE DELIVERED TO AN ADDITIONAL INSURED. L. BLANKET WAIVER OF SUBROGATION Paragraph 8. under Section IV-Commercial General Liability Conditions is deleted and replaced with the following: 8. Transfer of Rights Of Recovery Against Others To Us And Blanket Waiver Of Subrogation a. If an insured has rights to recover all or part of any payment we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. b. If required by written"insured contract,"we waive any right of recovery we may have against any person or organization because of payments we make for injury or damage arising out of your ongoing operations or"your work" done under a contract for that person or organization and included in the "products-completed operations hazard." M. PRIORITY OF APPLICATION FOR MULTIPLE INSUREDS Section III - Limits Of Insurance is amended to add the following paragraph: 8. In the event a claim or"suit" is brought against more than one insured, due to "bodily injury" or"property damage"from the same "occurrence," or"personal injury," or"advertising injury," from the same offense, we will apply the Limits of Insurance in the following order: a. You; b. Your "executive officers," directors, "employees," and c. Any other insureds in any order that we choose. ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED. Page 8 of 8 Includes copyrighted material of Insurance Services CG 83 91 12 19 Office, Inc., with its permission BUSINESS AUTO BROADENING ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies and is subject to the insurance provided under the following: BUSINESS AUTO COVERAGE FORM The following is only a summary of the additional coverages provided by this endorsement and is provided only for your reference and convenience. For the Limits of Insurance and the additional coverages provided by this endorsement, read the provisions on the following pages and the Coverage Form, which this endorsement modifies. The deductibles specified on your"auto" declarations page are applicable to these coverages unless a different deductible is indicated. If one or more of these coverages is provided by a specific endorsement, then the specific endorsement will apply. SUBJECTS OF INSURANCE Who Is An Insured 1. Broad Form Named Insured 2. Employees As Insureds 3. Volunteers As Insureds 4. Employee Hired Auto Broadened Liability Supplementary Payments 1. Bail Bonds- $3,000 2. Reasonable Expenses Incurred -$300 per day Physical Damage Coverage Amendments 1. Towing 2. Coverage Extensions a) Transportation Expenses b) Loss of Use Expenses c) Auto Loan/Lease Gap Coverage d) Personal Property Coverage e) Airbag Discharge 3. Hired Car Physical Damage 4. Rental Reimbursement Coverage 5. Audio, Visual and Data Electronic Equipment 6. Deductible Amendments a) 2 or more Autos b) Glass Deductible Business Auto Conditions Amendments 1. Knowledge of Occurrence 2. Blanket Waiver of Subrogation General Condition Amendment Unintentional Errors and Omissions The coverages listed in this endorsement are provided as extensions or additions to your insurance program. CA 83 40 12 14 Page 1 of 5 Includes copyrighted material of Insurance Services Inc.used with its permission. BUSINESS AUTO BROADENING ENDORSEMENT 1. Broad Form Named Insured h. An "employee" of yours is an "insured" while operating an"auto" hired or rented under a The following is added to Section II —Liability contract or agreement in that"employee's" Coverage, Paragraph A. 1. Who Is An Insured name, with your permission, while provision: performing duties related to the conduct of your business. d. Any organization you newly acquire or form, other than a partnership,joint venture or 5. Broadened Liability Supplementary limited liability company, and over which you Payments maintain ownership or majority interest, will qualify as a Named Insured if there is no The following replaces Section II—Liability other similar insurance available to that Coverage, Paragraph A.2. Coverage organization. However: Extensions, a. Supplementary Payments(2) and (4): Coverage under this provision is afforded only until the 180th day after you acquire or (2) Up to$3000 for cost of bail bonds (including form the organization or the end of the policy bonds for related traffic law violations) period, whichever is earlier. required because of an "accident"we cover. We do not have to furnish these bonds. e. Your Board Members (or their spouses) are an"insured" while operating an"auto" hired (4) All reasonable expenses incurred by the or rented under a contract or agreement in "insured" at our request, including actual that Board Member's or spouses name, with "loss" of earnings up to$300 a day because your permission, while performing duties of time off from work. related to the conduct of your business. 6. Towing 2. Employees As Insureds The following replaces Section III —Physical The following is added to Section II —Liability Damage Coverage, A. Coverage, Paragraph 2. Coverage, Paragraph A. 1. Who Is An Insured Towing: provision: We will pay up to $75 for towing and labor costs f. Any"employee" of yours is an "insured" incurred each time a covered "auto" is disabled. while using a covered"auto" you don't own, However, the labor must be performed at the hire or borrow while performing duties place of disablement. related to the conduct of your business. No deductible applies to this coverage. 3. Volunteers As Insureds 7. Transportation Expenses The following is added to Section II —Liability Coverage, Paragraph A. 1. Who Is An Insured The following replaces Section III —Physical provision: Damage Coverage, 4. Coverage Extensions, a. Transportation Expenses: g. Anyone volunteering services to you is an "insured"while using a covered"auto" you We will pay up to $50 per day to a maximum of don't own, hire or borrow to transport your $1500 for temporary transportation expense clients or other persons in activities incurred by you because of the total theft of a necessary to your business. Anyone else covered"auto" of the private passenger type. who furnishes that "auto" is also an We will pay only for those covered "autos"for "insured". which you carry either Comprehensive or Specified Causes of Loss Coverage. We will 4. Employee As Insured pay for temporary transportation expenses incurred during the policy period and ending, The following is added to Section II —Liability regardless of the policy's expiration, when the Coverage, Paragraph A. 1. Who Is An Insured covered"auto" is returned to use or we pay for provision: its"loss". CA 83 40 12 14 Page 2 of 5 Includes copyrighted material of Insurance Services Inc. used with its permission. BUSINESS AUTO BROADENING ENDORSEMENT 8. Loss Of Use Expenses (d) Costs for extended warranties, Credit Life Insurance, Health, The following replaces Section III —Physical Accident or Disability Insurance Damage Coverage, A. Coverage, 4. Coverage purchased with the loan or lease; Extensions, b. Loss of Use Expenses: and (e) Carry-over balances from previous For Hired Auto Physical Damage, we will pay loans or leases. expense for which an"insured" becomes legally responsible to pay for"loss" of use of a vehicle 10. Personal Property Coverage rented or hired without a driver, under a written rental contractor agreement. We will pay for The following is added to Section III —Physical "loss" of use expenses if caused by: Damage Coverage, A. Coverage, 4. Coverage Extensions. (1) Other than collision only if the Declarations indicate that Comprehensive Coverage is d. Personal Property Coverage provided for any covered "auto"; We will pay up to $500 for loss to any (2) Specified Causes Of Loss only if the personal property which is: Declarations indicate that Specified Causes Of Loss Coverage is provided for any (1) owned by an "insured"; and covered"auto"; or (2) in or on your covered"auto". (3) Collision only if the Declarations indicate that Collision Coverage is provided for any This coverage is applicable only in the event covered"auto". of a total theft of a covered "auto". However, the most we will pay for any expenses No deductible applies to this coverage. for loss of use is$80 per day, to a maximum of $800. 11. Airbag Discharge 9. Auto Loan/Lease Gap Coverage The following is added to Section III —Physical Damage Coverage, A. Coverage, 4. Coverage The following is added to the Section III — Extensions. Physical Damage Coverage, Paragraph 4. Coverage Extensions: e. Airbag Discharge c. Auto Loan/Lease Gap Coverage If there is an accidental discharge of an airbag in your covered"auto", we will pay to In the event of a total "loss"to a covered have the airbag replaced. This extension is "auto" shown in the Schedule or excess over any other collectible insurance Declarations, we will pay any unpaid amount or warranty. due on the lease or loan for a covered "auto", less: No deductible applies to this coverage. (1) The amount paid under the Physical 12. Hired Car Physical Damage Damage Coverage Section of the policy; and If this policy provides Comprehensive, Specified Causes of Loss or Collision Coverage, that (2) Any: coverage may be extended to hired"autos". The coverage available to a hired"auto" will be (a) Overdue lease/loan payments at the equal to the broadest coverage shown on the time of the "loss"; Declarations available to any covered "auto". (b) Financial penalties imposed under a lease; The most we will pay for any one"accident" or (c) Security deposits not returned by "loss" is: the lessor; CA 83 40 12 14 Page 3 of 5 Includes copyrighted material of Insurance Services Inc.used with its permission. BUSINESS AUTO BROADENING ENDORSEMENT (1) $40,000; or c. Our payment is limited to the lesser of the following amounts: (2) The actual cash value or cost of repair of the damaged or stolen property. (1) Necessary and actual expenses incurred. Paragraph 5.b. of the Other Insurance Condition in the Business Auto Coverage Form is replaced (2) $50 per day. by the following: d. This coverage does not apply while there b. For Hired Auto Physical Damage Coverage, are spare or reserve autos available to you the following are deemed to be covered for your operations. "autos" you own: e. If"loss" results from the total theft of a (1) Any covered"auto" you lease, hire, rent covered"auto" of the private passenger or borrow; and type, we will pay under this coverage only that amount of your rental reimbursement (2) Any covered "auto" hired or rented by expenses which is not already provided for your"employee" under a contract in that under Section III—Physical Damage individual "employee's" name, with your Coverage, 4. Coverage Extensions, a. permission, while performing duties Transportation Expenses. related to the conduct of your business. 14. Audio, Visual And Data Electronic Equipment (3) Any covered "auto" hired or rented by your Board Members (or their spouses) We will pay with respect to a covered"auto" for under a contract in that individual Board "loss"to any electronic equipment that receives Member's(or spouses') name, with or transmits audio, visual or data signals and your permission, while performing duties that is not designed solely for the reproduction of related to the conduct of your business. sound. This coverage applies only if the equipment is permanently installed in the However, any"auto"that is leased, hired, covered auto at the time of the loss or the rented or borrowed with a driver is not a equipment is removable from a housing unit covered auto. which is permanently installed in the covered "auto" at the time of the"loss", and such 13. Rental Reimbursement Coverage equipment is designed to be solely operated by use of the power from the"auto" electrical a. We will pay for rental reimbursement system, in or upon the covered "auto". expenses incurred by you for the rental of an auto because of"loss"to a covered "auto". The most we will pay for"loss"to audio, visual or Payment applies in addition to the otherwise data electronic equipment as a result of any one applicable amount of each coverage you "accident" is the lessor of: have on a covered"auto". No deductibles apply to this coverage. a. The actual cash value of the damaged or stolen property as of the time of the "loss"; b. We will pay only for those expenses incurred during the policy period and ending, b. The cost of repairing or replacing the regardless of the policy's expiration, with the damaged or stolen property with other lesser of the following number of days. property of like kind and quality; or (1) The number of days reasonably c. $400. required to repair or replace the covered "auto". If loss is caused by theft, this This coverage does not apply if there is other number of days is added to the number coverage provided under this policy for the of days it takes to locate the covered above described audio, visual and data "auto" and return it to you. electronic equipment. We will pay any deductible, up to $400, that is applicable to the (2) 30 days. other coverage. CA 83 40 12 14 Page 4 of 5 Includes copyrighted material of Insurance Services Inc. used with its permission. BUSINESS AUTO BROADENING ENDORSEMENT No deductible applies to this coverage. (1) You, if you are an individual, 15. Deductible Amendment (2) A partner, if you are a partnership; The following is added to Section III —Physical (3) An executive officer or insurance Damage Coverage, A. Coverage, Paragraph D. manager, if you are a corporation; Deductible. (4) Your members, managers or insurance In the event that a"loss" from one "accident" manager, if you are a limited liability involves two or more covered "autos", only the company; largest applicable deductible for Comprehensive, Specified Causes Of Loss, or (5) Your elected or appointed officials, Collision coverage will apply. This provision trustees, board members, or your applies only to those "autos" designated in the insurance manager, if you are an Schedule or Declarations to have organization other than a partnership, Comprehensive, Specified Causes Of Loss, or joint venture, or limited liability company; Collision coverage. becomes aware of, or should have become 16. Glass Deductible aware of such"accident", "claim", "suit" or "loss". The following is added to Section III —Physical Damage Coverage, Paragraph D. Deductible. 18. Blanket Waiver Of Subrogation No deductible applies to"loss" to glass used in The following is added to Section IV—Business the windshield, doors or windows of a covered Auto Conditions, A. Loss Conditions. "auto". 6. If required by written insured contract, we 17. Knowledge Of Occurrence waive any right of recovery we may have against any person or organization because The following replaces Section IV—Business of payments we make for"bodily injury" or Auto Conditions, A. Loss Conditions, 2. Duties In "property damage" caused by an"accident" The Event Of Accident, Claim, Suit Or Loss, a. and resulting from the ownership, maintenance or use of a covered "auto". a. In the event of"accident", "claim", "suit" or "loss", you must give us or our authorized 19. Unintentional Errors And Omissions representative prompt notice of the "accident" or"loss". Include: The following is added to Section IV—Business Auto Conditions, B. General Condition, 2. (1) How, when and where the"accident" or Concealment, Misrepresentation Or Fraud. "loss" occurred; However, if you should unintentionally (2) The "insured's" name and address; and misrepresent or conceal information to us at any time, we will not deny coverage under this policy (3) To the extent possible, the names and based on this unintentional error or omission. addresses of any injured persons and witnesses. This provision does not affect our right to cancel or non-renew your coverage or collect additional Your obligation to provide prompt notice to premium for any added exposures. us is satisfied if you send us notice as soon as practicable after: THIS ENDORSEMENT MUST BE ATTACHED TO A CHANGE ENDORSEMENT WHEN ISSUED AFTER THE POLICY IS WRITTEN. CA 83 40 12 14 Page 5 of 5 Includes copyrighted material of Insurance Services Inc. used with its permission. This page has been left blank intentionally.