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2017/08/11 Visionaries Image Company, LLC Certficiate of Liability InsuranceVISIO-2 OP ID'S CERTIFICATE OF LIABILITY INSURANCE DATE (Id---- THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CER1 JlGV 18 INSURERA:Sentinel Insurance Company LTD 411000 INsuREo3 Vista Image Company LLCta Palermo INSURERS, Hanover Insurance Company 22292 3 Vis Lake Elsinore, CA INSURER C I INSURER F : COVERAGES CERTIFICATE NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE REVISION NUTABER: BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE THE TERMS, I14SR BEEN REDUCED BY PAID CLAIMS. ADD SUB LTR TYPE OF INSURANCE INS D VIVID POLICYNUMBER fPOfLIIpYEFF PO EXP A X COMMERCIAL GENERAL LIABILITY DY LIMITS CLAItrIS-MADE OCCUR EACH OCCURRENCE $ 1,000,000 Y 72SBABA6242 08/11/2017 X 08/1112018 DAMAGE TO RENTED PREMI. f irr. nr 1,000,000 MED EXP (Any one person) S 10,000 GEN'L AGGREGATE LIMIT APPLIES PER PERSONAL& ADV INJURY s 1,000,0002,000,000 X POLICY dECT LOC GENERAL AGGREGATE S OTHER. PRODUCTS - COMP/OP AGG S 2,000,000 A AUTOMOBILE LIABILITY s COMBINED SINGLE LIMITs 1,000,000 ANY AUTO 72SBABA6242 08/11/2017 GSCHEDULED 08/1112018 BODILY INJURY (Per person) S AUTOS ONLY AUTOS HIRED NON-pyyNED X AUTOS ONLY M AUTOS BODILY INJURY Per accident $ PROPERTY ONLY DAMAGE Per accltl�nt $ UMBRELLA LIAB GCCUR S EXCESS LIAB CLAIMS -MADE EACH OCCURRENCE $ DED RETEtM ON $ AGGREGATE s WORKERS COMPENSATION S AND Eh1PLOYERS' LIABILITY TH- ANYPROPRIETORIPARTNERJEXECUTIVE YIN STATUTE E OFFICEf RAEMBER EXCLUDED? N / A (Mandatory In NH) E.L. EACH ACCIDENT $ If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - EA EMPLOYEE S B Professional Liab LH3 D531621 00 03/19l2018 E.L DISEASE • POLICY LIMIT $ 03/19I2019 PER CLAIM 1,000,000 AGGREGATE 1,000,000 DESCRIPTION OF OPERATIONS 1 LOCATIONS 1 VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached If more space Is RE: CSA 86 Review. City and its officers, employees, agents, and authorized required) volunteers are GL additional insured on primary non-contributory basis with waiver of subrogation as required by Written contract or agreement per Policy form SS00080405 8r Professional liability additional Insured per form 910-0728 to follow. *Policy Terms Apply. CERTIFICATE HOLDER ., �..._._-. SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of Menifee ACCORDANCE WITH THE POLICY PROVISIONS. 29714 Haun Road Menifee, CA 92586 AUTHORIZED REPRESENTATIVE ACORD 25 (2016103) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD BLANKET ADDITIONAL INSURED -INSURED CLIENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Named Insured: Visionaires Image Company LLC Policy Number: LH3-D531621-00 Issued by The Hanover Insurance Company. This endorsement, Effective 12:01 A.M. 03/19/2018 modifies the following: A. The following is added to SECTION A. — COVERAGE — WHAT THIS POLICY INSURES, Paragraph 1. Professional Services Coverage: We will pay claim expenses on behalf of the insured's client arising out of a claim made against both an insured and the insured's client resulting from a wrongful act committed solely by an insured performing professional services for the insured's client. B. The following is added to SECTION B — DEFENSE AND SETTLEMENT (INCLUDED IN THE LIMIT OF LIABILITY): 1. We have exclusive right to defend any claim against an insured's client. However, if the insured's client is entitled under applicable law to select defense counsel or if we agree to permit the insured's client to select defense counsel, we will pay only those hourly rates which are paid by us for defense counsel in the same area and for similar cases. Such defense counsel shall be required to comply with our applicable litigation guidelines regarding billing, staffing and reporting. 2. We shall have no duty to pay damages, other than claim expenses, on behalf of the insured's client. C. The following is added to SECTION D — DEFINITIONS, the definition of Insured: Insured also includes the insured's client. D. The following is added to SECTION D — DEFINITIONS: Insured's client means any entity for which an insured performs professional services pursuant to a written agreement whether or not for a fee, consideration or other emolument. E. The following is added to SECTION E — EXCLUSIONS: This policy does not apply to claims for the actual or alleged wrongful act of an insured's client. All other terms and conditions remain unchanged. 910-0728 12 12 Page 1 of 1 BUSINESS LIABILITY COVERAGE FORM 2. Applicable To Medical Expenses Coverage We will not pay expenses for "bodily injury": a. Any Insured To any insured, except "volunteer workers". b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured. c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies. d. Workers' Compensation And Similar Laws To a person, whether or not an "employee" of any insured, if benefits for the "bodily injury" are payable or must be provided under a workers' compensation or disability benefits law or a similar law. e. Athletics Activities To a person injured while practicing, instructing or participating in any physical exercises or games, sports or athletic contests. f. Products -Completed Operations Hazard Included with the "products -completed operations hazard". g. Business Liability Exclusions Excluded under Business Liability Coverage. C. WHO IS AN INSURED 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. 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. Page 10 of 24 e. A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees. 2. Each of the following is also an insured: a. Employees And Volunteer Workers Your "volunteer workers" 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" are insureds for: (1) "Bodily injury" or "personal and advertising injury": (a) To you, to your partners or members (if you area partnership or joint venture), to your members (if you are a limited liability company), or to a co -"employee" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business; (b) To the spouse, child, parent, brother or sister of that co - "employee" or that "volunteer worker" as a consequence of Paragraph (1)(a) above; (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraphs (1)(a) or (b) above; or (d) Arising out of his or her providing or failing to provide professional health care services. If you are not in the business of providing professional health care services, Paragraph (d) does not apply to any nurse, emergency medical technician or paramedic employed by you to provide such services. (2) "Property damage" to property: (a) Owned, occupied or used by, Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (b) 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", "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. Real Estate Manager Any person (other than your "employee" or "volunteer worker"), or any organization while acting as your real estate manager. c. Temporary Custodians Of Your Property Any person or organization having proper temporary custody of your property if you die, but only: (1) With respect to liability arising out of the maintenance or use of that property; and (2) Until your legal representative has been appointed. d. Legal Representative If You Die 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 insurance. e. Unnamed Subsidiary Any subsidiary and subsidiary thereof, of yours which is a legally incorporated entity of which you own a financial interest of more than 50% of the voting stock on the effective date of this Coverage Part. The insurance afforded herein for any subsidiary not shown in the Declarations as a named insured does not apply to injury or damage with respect to which an insured under this insurance is also an insured under another policy or would be an insured under such policy but for its termination or upon the exhaustion of its limits of insurance. 3. Newly Acquired Or Formed Organization Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain financial interest of more than 50% of the voting stock, 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; and Form SS 00 08 04 05 b. Coverage under this provision does not apply to: (1) 'Bodily injury" or "property damage" that occurred; or (2) "Personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. 4. Operator Of Mobile Equipment With respect to "mobile equipment' registered in your name under any motor vehicle registration law, any person is an insured while driving such equipment along a public highway with your permission. Any other person or organization responsible for the conduct of such person is also an insured, but only with respect to liability arising out of the operation of the equipment, and only if no other insurance of any kind is available to that person or organization for this liability. However, no person or organization is an insured with respect to: a. 'Bodily injury" to a co -"employee" of the person driving the equipment; or b. "Property damage" to property owned by, rented to, in the charge of or occupied by you or the employer of any person who is an insured under this provision. 5. Operator of Nonowned Watercraft With respect to watercraft you do not own that is less than 51 feet long and is not being used to carry persons for a charge, any person is an insured while operating such watercraft with your permission. Any other person or organization responsible for the conduct of such person is also an insured, but only with respect to liability arising out of the operation of the watercraft, and only if no other insurance of any kind is available to that person or organization for this liability. However, no person or organization is an insured with respect to: a. 'Bodily injury" to a co -"employee" of the person operating the watercraft; or b. "Property damage" to property owned by, rented to, in the charge of or occupied by you or the employer of any person who is an insured under this provision. 6. Additional Insureds When Required By Written Contract, Written Agreement Or Permit The person(s) or organization(s) identified in Paragraphs a. through f. below are additional insureds when you have agreed, in a written Page 11 of 24 BUSINESS LIABILITY COVERAGE FORM contract, written agreement or because of a (e) Any failure to make such permit issued by a state or political subdivision, that such person or organization inspections, adjustments, tests or be added as an additional insured on your servicing as the vendor has agreed to make or normally policy, provided the injury or damage occurs undertakes to make in the usual subsequent to the execution of the contract or course of business, in connection agreement, or the issuance of the permit. with the distribution or sale of the A person or organization is an additional products; insured under this provision only for that (f) Demonstration, installation, period of time required by the contract, servicing or repair operations, agreement or permit. except such operations performed However, no such person or organization is an at the vendor's premises in additional insured under this provision if such connection with the sale of the person or organization is included as an product; additional insured by an endorsement issued (g) Products which, after distribution by us and made a part of this Coverage Part, or sale by you, have been labeled including all persons or organizations added or relabeled or used as a as additional insureds under the specific container, part or ingredient of any additional insured coverage grants in Section other thing or substance by or for F.—Optional Additional Insured Coverages. the vendor; or a. Vendors (h) "Bodily injury" or "property Any person(s) or organization(s) (referred to damage" arising out of the sole below as vendor), but only with respect to negligence of the vendor for its "bodily injury" or "property damage" arising own acts or omissions or those of out of "your products" which are distributed its employees or anyone else or sold in the regular course of the vendor's acting on its behalf. However, this business and only if this Coverage Part exclusion does not apply to: provides coverage for "bodily injury" or (I) The exceptions contained in "property damage" included within the Subparagraphs (d) or (f); or "products -completed operations hazard". (11) Such inspections, adjustments, (1) The insurance afforded to the vendor tests or servicing as the vendor is subject to the following additional has agreed to make or normally exclusions: undertakes to make in the usual This insurance does not apply to: course of business, in ert (a) "Bodily injury" or "property y connection with the distribution or sale of the products. damage" for which the vendor is obligated to pay damages by (2) This insurance does not apply to any reason of the assumption of insured person or organization from liability in a contract or agreement. whom you have acquired such products, This exclusion does not apply to or any ingredient, part or container, liability for damages that the entering into, accompanying or vendor would have in the absence containing such products. of the contract or agreement; b. Lessors Of Equipment (b) Any express warranty (1) Any person or organization from unauthorized by you; whom you lease equipment; but only c {) Any physical or chemical change with respect to their liability for "bodily in the product made intentionally injury", "property damage" or "personal by the vendor; and advertising injury" (d) Repackaging, except when caused, in whole or in part, by your unpacked solely for the purpose of maintenance, operation or use of equipment leased to you by such inspection, demonstration, testing, person or organization. or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; Page 12 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (6) When You Are Added As An When this insurance is excess over other Additional Insured To Other Insurance insurance, we will pay only our share of the amount of the loss, if any, that That is other insurance available to exceeds the sum of: you covering liability for damages (1) The total amount that all such other arising out of the premises or operations, or products and completed insurance would pay for the loss in the operations, for which you have been absence of this insurance; and added as an additional insured by that (2) The total of all deductible and self - insurance; or insured amounts under all that other (7) When You Add Others As An insurance. Additional Insured To This We will share the remaining loss, if any, with Insurance any other insurance that is not described in That is other insurance available to an this Excess Insurance provision and was not additional insured. bought specifically to apply in excess of the Limits of Insurance shown in the However, the following provisions Declarations of this Coverage Part. apply to other insurance available to c. Method Of Sharing any person or organization who is an additional insured under this Coverage If all the other insurance permits Part: contribution by equal shares, we will follow (a) Primary Insurance When this method also. Under this approach, each insurer Required By Contract contributes equal amounts until it has paid its applicable limit of This insurance is primary if you insurance or none of the loss remains, have agreed in a written contract, whichever comes first. written agreement or permit that If any of the other insurance does not permit this insurance be primary. If other contribution by equal shares, we will insurance is also primary, we will share with all that other insurance contribute by limits. Under this method, each by the method described in c. insurer's share is based on the ratio of its below. applicable limit of insurance to the total applicable limits of insurance of all insurers. (b) Primary And Non -Contributory To 8. Transfer Of Rights Of Recovery Against Other Insurance When Others To Us Required By Contract If you have agreed in a written a. Transfer Of Rights Of Recovery contract, written agreement or If the insured has rights to recover all or permit that this insurance is Part of any payment, including primary and non-contributory with Supplementary Payments, we have made the additional insured'snon-contributory own under this Coverage Part, those rights are insurance, this insurance is transferred to us. The insured must do primary and we will not seek nothing after loss to impair them. At our contribution from that other request, the insured will bring "suit" or insurance. transfer those rights to us and help us Paragraphs (a) and (b) do not apply to enforce them. This condition does not other insurance to which the additional apply to Medical Expenses Coverage. insured has been added as an b. Waiver Of Rights Of Recovery (Waiver additional insured. Of Subrogation} When this insurance is excess, we will If the insured has waived any rights of have no duty under this Coverage Part to recovery against any person or defend the insured against any "suit" if any organization for all or part of any payment, other insurer has a duty to defend the including Supplementary Payments, we insured against that "suit". If no other have made under this Coverage Part, we insurer defends, we will undertake to do also waive that right, provided the insured so, but we will be entitled to the insured's waived their rights of recovery against rights against all those other insurers. such person or organization in a contract, agreement or permit that was executed prior to the injury or damage. Form SS 00 08 04 05 Page 17 of 24