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2018/09/01 Lew Edwards Group Certificate of Liability Insurance (5) LEWEDWA-01 GHODGES ACORO CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) 01/29/2019 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER.THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S),AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy,certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT Gail Hodges NAME: Cumbre Insurance Services, LLC PHONE FAX 3270 Inland Empire Blvd,Ste 300 (A/C,No,Ext):(707)992-3743 (A/C,No):(909)484-2491 Ontario,CA 91764 ADDRIESS:hodgesg@cumbreins.com INSURERS AFFORDING COVERAGE NAIC# INSURER A:Underwriters at Lloyd's, London Illinois 15792 INSURED INSURER B:Ohio Security Insurance Company 24082 Lew Edwards Group INSURER C:Republic Indemnity Company of America 22179 2301 Mastlands Drive INSURER D:Lloyd's Oakland,CA 94611 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 TYPE OF INSURANCE ADDL SUBR POLICY NUMBER POLICY EFF POLICY EXP LIMITS LTR IN D WVD MM DD MM DD A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 CLAIMS-MADE FIVI X OCCUR LBW562434R2 02/06/2019 02/06/2020 DAMAGE TO RENTED 100,000 X PREMISES Ea occurrence $ MED EXP(Any oneperson) $ 5,000 PERSONAL&ADV INJURY $ Excluded GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 X POLICYEl JEC LOC PRODUCTS-COMP/OP AGG $ Excluded OTHER: B AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT 1,000,000 Ea accident $ X ANY AUTO X BAS57306007 09/01/2018 09/01/2019 BODILY INJURY Perperson) $ OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY Per accident $ X HIRED X NON-OWNED PROPERTY DAMAGE AUTOS ONLY AUTOS ONLY Per accident $ UMBRELLA LIAB OCCUR EACH OCCURRENCE $ EXCESS LIAB CLAIMS-MADE AGGREGATE $ DED RETENTION$ $ C WORKERS COMPENSATION X PER OTH- AND EMPLOYERS'LIABILITY STATUTE ER 16644914 09/21/2018 09/21/2019 1,000,000 ANY PROPRIETOR/PARTNER/EXECUTIVE ❑ X E.L.EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? N/A (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ 1,000,000 If yes,describe under 1,000,000 DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT D Errors&Omissions W1613213180501 09/30/2018 09/30/2019 Per Claim 2,000,000 D Claims Made W1613213180501 09/30/2018 09/30/2019 Aggregate 2,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) CITY OF MENIFEE,ITS OFFICERS,EMPLOYEES,AGENTS AND AUTHORIZED VOLUNTEERS ARE HEREBY NAMED AS ADDITIONAL INSURED-S WITH RESPECTS TO LIABIITY ARISING FROM THE NAMED INSURED'S OPERATIONS PER BW 000 859 08/2012.COVERAGE IS PRIMARY AND NON-CONTRIBUTORY PER AUTOMOBILE ADDITIONAL INSURED PER BW 001 397 1004.CA 88 10 01 13,PRIMARY&NON CONTRIBUTORY PER CA 00 01 03 06. WORKER'S COMPENSATION WAIVER OF SUBROGATION PER WC 00 03 13 04-84.PROFESSIOAL LIABILITY RETRO-ACTIVE DATE 9/30/2009. PROFESSIONAL LIABILITY RETENTION$5,000 CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Menifee THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Y ACCORDANCE WITH THE POLICY PROVISIONS. Gina Gonzalez-Economic Development Manager 29714 Haun Road Menifee,CA 92586 AUTHORIZED REPRESENTATIVE ACORD 25(2016/03) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY, ADDITIONAL INSURED _ OWNERS , LESSEES OR CONTRACTORS - SCHEDULED PERSON ORORGANIZATION This endorsement modifies insurance provided under the following : COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Name of Additional Insured Person( s) Or Organization (s) : Location (s) of Covered Operations ANY PERSON OR ORGANIZATION AS LOCATIONS AS REQUIRED BY WRITTEN REQUIRED BY WRITTEN CONTRACT WITH CONTRACT THE INSURED A. SECTION If -WHO IS AN INSURED is amended to include as an additional Insured the person (s) or organization(s) shown in the Schedule for whom you are performing operations when you and such person or organization have agreed in writing In a contract or agreement that such a person or organization be added as an additional insured on your policy. Such person or organization is an additional insured only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused , in whole or In part, by: 1 . Your acts or omissions; or 2. The acts or omissions of those acting on your behalf; in the performance of your ongoing operations for the additional Insured (s) at the location (s) designated above. A person's or organizations status as an additional insured under this endorsement ends when your operations for that additional insured are completed . B. With respect to the insurance afforded to these additional insureds, the following additional exclusions apply: This Insurance does not apply to : Additional insured Contractual Liability "Bodily injury" or "property damage" for which the "additional insured(s)" are obligated to pay damages by reason of the assumption of liability in a contract or agreement. Finished Operations or Work "Bodily injury" or "property damage" occurring after: (1 ) All work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured (s) at the location of the covered operations has been completed ; or (2) That portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization. Negligence of Additional Insured 'Bodily Injury" or "property damage" directly caused by or resulting from the negligence of the "additional insureds) ". ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED This endorsement Is effective on the inception date of the policy unless otherwise stated below. (The information below is required only when this endorsement is issued subsequent to preparation of the policy) . Policy Number: LBW562434R2 Named Insured : LEW EDWARDS GROUP Endorsement Effective date: 1 02/06/2018 BW 000 858 Included copydg hted material of 180 Properties, INC. Page 1 of 1 0012012 with Its perm Isston ENDORSEMENT 1 This Endorsement Changes the Policy - Please Read it Carefully PRIMARYAND NON -CONTRIBUTING INSURANCE (Third - Party' s Sole Negligence) This endorsement modifies Insurance provided under the following : COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS/ COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD LIABILITY COVERAGE PART BUSINESSOWNERS LIABILITY COVERAGE FORM The following is added to Section IV - Commercial General Liability Conditions, Paragraph 4: Section IV: Commercial General Liability Conditions 4. Other Insurance: d . Notwithstanding the provisions of sub-paragraphs a, b, and c of this paragraph 4, with respect to the Third Party shown below, it is understood and agreed that In the event of a claim or "suit"arising out of the Named Insured 's sole negligence, this insurance shall be primary and any other insurance maintained by the additional insured named as the Third Party below shalt be excess and non-contributory . The Third Party to whom this endorsement applies Is: Absence of a specifically named Third Party above means that the provisions of this endorsement apply "as required by written contractual agreement with any Third Party for whom you are performing work." All other terms and conditions of this policy remain unchanged . This endorsement is effective on the inception date of the policy unless otherwise stated herein. ( The information below Is required only when this endorsement Is issued subsequent to preparation of the policy.) Policy Number LBW562434R2 Named Insured : LEW EDWARDS GROUP Endorsement Effective Date: 02/ 06/ 2018 Endorsement Serial No. BW 001 3971004 Includes copyrighted material of insurance Services Office, Inc. with its permission Copyright, Insurance Services Office, Inc. 1994 LEW ED`,VARDS GROUP BAS57306007 COMMERCIAL AUTO CA 88 10 01 13 THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY. BUSINESS- AUTO COVERAGE ENHANCEMENT ENDORSEMENT This endorsement . modifies Insurance provided under the following: BUSINESS AUTO COVERAGE FORM Willi respect to coverage _afforded by this endorsement, the provisions of the policy apply unless modified by the endorsement. COVERAGE INDEX SUBJECT PROVISION NUMBER #ODITIONAL INSURED BY CONTRACT, AGREEMENT OR PERMIT 3 ACCIDENTAL AIRBAG DEPLOYMENT 12 AMENDED DUTIES IN THE EVENT OF ACCIDENT, CLAIM, SUIT OR LOSS 19 ® AMENDED FELLOW EMPLOYEE EXCLUSION 5 AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT COVERAGE 13 s BROAD FORM INSURED 1 BODILY INJURY REDEFINED 22 EMPLOYEES AS INSUREDS (including employee hired auto) 2 EXTENDED CANCELLATION CONDITION 23 EXTRA EXPENSE - BROADENED COVERAGE 10 GLASS REPAIR - WAIVER OF DEDUCTIBLE 15 HIRED AUTO PHYSICAL DAMAGE (Including employee hired auto and loss of use) 6 HIRED AUTO COVERAGE TERRITORY 20 LOAN / LEASE GAP 14 PARKED AUTO COLLISION COVERAGE (WAIVER OF DEDUCTIBLE) 16 PERSONAL EFFECTS COVERAGE 11 PHYSICAL DAMAGE - ADDITIONAL TRANSPORTATION EXPENSE COVERAGE 8 RENTAL REIMBURSEMENT 9 SUPPLEMENTARY PAYMENTS 4 TOWING AND LABOR 7 TWO OR MORE DEDUCTIBLES 17 UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS 18 WAIVER OF TRANSFER OF RIGHTS OF RECOVERYAGAINST OTHERS TO US 20 SECTION II - LIABILITY COVERAGE is amended as follows: u 1 . BROAD FORM INSURED SECTION 11 - LIABILITY COVERAGE, paragraph A.I. WHO IS AN INSURED is amended to include the following as an Insured: d. Any legally Incorporated entity of which you own more than 50 percent of the voting stock a during the policy period. However, 'insured" does not Include any organization that: (1 ) Is a partnership or Joint venture; or (2) Is an Insured under any other automobile policy; or (3) Has exhausted its Limit of Insurance under any other automobile policy. Paragraph d, (2) of this provision does not apply to a policy written to apply specifically in excess of this policy. e. Any organization you newly acquire or form, other than a partnership or Joint venture, of which you own more than 50 percent of the- voting stock. This automatic coverage Is afforded only for 180 days from the date of acquisition or formation. However, coverage under this provision does not apply: (1 ) if there is similar Insurance or a self•insured retention plan available to that organization; © 2013Liberty Mutual Insurance . CA 88 10 01 13 Includes copyrighted material of Insurance Services Office, Inc., with Its permission. ' Page 1 of 7 (2) If the Limits of Insurance of any other insurance policy have been exhausted; or (3) To "bodily injury" or "property damage" that occurred before you acquired or formed the organization, 2, EMPLOYEES AS INSUREDS SECTION 11 - LIABILITY COVERAGE, paragraph A. I . - WHO IS AN INSURED Is amended to Include the following as an insured; f. Any "employee" of yours white using a covered "auto" you do .not own, hire or borrow, but only for acts within the scope of their employment by you. Insurance provided by this endorse- ment is excess over any other insurance available to any "employee". g. An "employee" of yours while operating an "auto" hired or borrowed under a written contract or agreement in that "employee's" name, with your permission, while performing duties re- lated to the conduct of your business and within the scope of their employment, Insurance provided by this endorsement is excess over any other Insurance available to the "employee". ADDITIONAL INSURED BY CONTRACT, AGREEMENT OR PERMIT SECTION 11 - LIABILITY COVERAGE, paragraph A.1 . - WHO IS AN INSURED is amended to Include the following as an insured: h. Any person or organization with respect to the operation, maintenance or use of a covered "auto", provided that you and such person or organization have agreed In a written contract, agreement, or permit issued to you by governmental or public authority, to add such person, or organization, or governmental or public authority to this policy as an "Insured", However, such person or organization is an "Insured": (1) Only with respect to the operation, maintenance or use of a covered "auto"; (2) Only for "bodily . Injury" or "property damage" caused by an "accident" which takes place after you executed the written contract or agreement, or the permit has been issued to you; and (3) Only for the duration of that contract, agreement or permit 4. SUPPLEMENTARY PAYMENTS SECTION 11 - LIABILITY COVERAGE, Coverage Extensions, 2.a. Supplementary Payments, para- graphs (2) and (A) are replaced by the following: (2) Up to $3,000 for cost of ball bonds (including bonds for related traffic violations ) required because of an "accident" we cover. We do not have to furnish these bonds, (d) All reasonable expenses incurred by the insured at our request, including actual loss of earn- ings tip to $500 a day because of time off from work. 6, AMENDED FELLOW EMPLOYEE EXCLUSION g In those jurisdictions where, by taw, follow employees are not entitled to the protection afforded to the employer by the workers compensation exclusivity rule, or similar protection, the following provision is added: SECTION II - LIABILITY, exclusion B.S. FELLOW EMPLOYEE does not apply If the "bodily Injury" s results from the use of a covered "auto" you own or hire. SECTION III - PHYSICAL DAMAGE COVERAGE Is amended as follows: 8. HIRED AUTO PHYSICAL DAMAGE Paragraph AA. Coverage Extensions of SECTION IiI - PHYSICAL DAMAGE COVERAGE, Is amended by adding the following: If hired "autos" are covered "autos" for Liability Coverage, and if Comprehensive, Specified Causes of Loss or Collision coverage are provided under the Business Auto Coverage Form for any "auto" you own, then the Physical Darnage coverages provided are extended to "autos': a, You hire, rent or borrow; or © 2013LIberty Mutual Insurance - - CA 88 10 01 13 Includes copyrighted material of InsuranceSew1ces Office, Inc„ with Its pormisslon. Page 2 of 7 b. Your "elnpioyea" hires or rents under a written contract or agreement In that "employee's" name, but only if the damage occurs while the vehicle is being used in the conduct of your bustness, subject to the following limit and deductible: A.' The most we will pay for "loss" In any one "accident" or "loss" is the smallest of: (1 ) $50,000; or (2) The actual cash value of the damaged or stolen property as of the time of the "loss"; or (3) The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality, minus a deductible. B, The deductible will be equal to the largest deductible applicable to any owned "auto' for that coverage. C. Subject to the limit, deductible and excess provisions described in this provision, we will provide coverage equal to the broadest coverage applicable to any covered "auto" you own. x D. Subject to a maximum of $1 ,000 per 'accident", we will also cover the actual loss of use of the hired "auto" if it results from an "accident", you are legally liable and the lessor Incurs, an actual financial loss. 0 E. This coverage extension does not apply to: (1 ) Any "auto that is hired, rented or borrowed with adriver; or .�� (2) Any "auto" that Is hired, rented or borrowed from your "employee". ® For the purposes of this provision, SECTION V - DEFINITIONS Is amended by adding the following: "Total loss" means a "loss" in which the cost of repairs plus the salvage value exceeds the actual cash value. 7. TOWING AND LABOR SECTION III - PHYSICAL DAMAGE COVERAGE, paragraph A.2, Towing, Is amended by the addition of the following: We will pay towing and labor costs Incurred, up to the limits shown below, each time a covered "auto" ciassli ed and rated as a private passenger type, "light truck" or "medium truck" is dis- abled: a. For private passenger type vehicles, we will pay up to $50 per disablement. b, For "light trucks", we will pay up to $50 per disablement. "Light trucks" are trucks that have a gross vehicle weight (GVW) of 10,000 pounds or less. c. For "medium trucks" , we will pay up to $150 per disablement. Wedlum trucks"_ are trucks that have a gross vehicle weight (GVW) of 10,001 - 20,000 pounds. However, the labor must be performed at the place of disablement. 8. PHYSICAL DAMAGE • ADDITIONAL TRANSPORTATION EXPENSE COVERAGE Paragraph A.b,a„ Coverage Extension of SECTION iII • PHYSICAL DAMAGE COVERAGE, is amend- ed to provide a limit of $50 per day and a maximum limit of $11500 © 20l8Liberty Mulual Insurance d CA 88 110 01 13 includes copyrighted material of Insurance services Office, Inc., with Its permission. Page 3 of 7 0. RENTAL REIMBURSEMENT SECTION III - PHYSICAL DAMAGE COVERAGE, A. COVERAGE, is amended by adding the following: a. We will pay up to $75 per day for rental reimbursement expenses Incurred by you for the rental of an "auto" because of "accident" or "loss", to an "auto" for which we also pay a "loss" under Comprehensive, Specified Causes of Loss or Collision Coverages. We will pay only for those expenses Incurred after the first 24 hours following the "accident" or "loss" to the covered "auto." b, Rental Reimbursement will be based on the rental of a comparable vehicle, which in many cases may be substantially less than $75 per day, and will only be allowed for the period of time it should take to repair or replace the vehicle with reasonable speed and sirnilar quality, up to a maximum of 30 days. c. We will also pay up to $500 for reasonable and necessary expenses incurred by you to remove and replace your tools and equipment from the covered "auto". d. This coverage does not apply unless you have a business necessity that other "autos' avail- able for your use and operation cannot fill, at if "loss" results from ilia total theft of a covered "auto` of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided under Paragraph 4. Coverage Extension. f. No deductible applies to this coverage. For the purposes of this endorsement provision, materials and equipment do not include "personal effects" as defined In provision 11 . 10. EXTRA EXPENSE BROADENED COVERAGE Under SECTION III - PHYSICAL DAMAGE COVERAGE, A, COVERAGE , Nye Y411 pay for the expense of returning a stolen covered "auto" to you. The maximum amount we will pay Is $1 ,000. 11 . PERSONAL EFFECTS COVERAGE A. SECTION III - PHYSICAL DAMAGE COVERAGE, A. COVERAGE, is amended by adding the following: if you have purchased Comprehensive Coverage on this policy for an "auto" you own and that "auto" is stolen, we will pay, without application of a deductible, up to $600 for "personal effects" stolen with the "auto." The Insurance provided under this provision is excess over any other collectible insurance. B. SECTION V - DEFINITIONS is amended by adding the following: For the purposes of this provision, "personal effects" mean tangibfe property that is worn or carried by an insured." "Personal effects" does not include tools, equipment,, jewelry, money or securitles. 12. ACCIDENTAL AIRBAG DEPLOYMENT SECTION III - PHYSICAL DAMAGE COVERAGE, B. EXCLUSIONS is amended by adding the follow- Ing: s If you have purchased Comprehensive or Collision Coverage under this policy, the exclusion for "loss" relating to mechanical breakdown does not apply to the accidental discharge of an alrbag. Any insurance we. provide shaf be excess over any other collectible Insurance or reimbursement by manufacturer's warranty. However, we agree to pay any deductible applicable to the other cov- erage or warranty. 13. AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT COVERAGE SECTION III - PHYSICAL DAMAGE COVERAGE, B. EXCLUSIONS, exception paragraph a. to exclu- sions 4.c. and 4.d. is deleted and replaced with the following: © 2013 Liberty Mutual Insurance CA 88 10 01 13 Includes copyrigbled material of Insurance Services Office, ine., with its permission. Page 4 of 7 Exclusion 4.c. and 4.da do not apply to: a. Electronic equipment that receives or (ransmits audio, visual or data signals, whether or not designed safely for the reproduction of sound, If the equipment is permanently installed in the covered "auto" at the time of the "loss" and such equipment is designed to be solely operated by use of the power from the "auto's" electrical system, In or upon the covered "auto" and physical damage coverages are provided for the covered "auto"; or If the "loss" occurs solely to audio, visual or data electronic equipment or accessories used with this equipment, then our obligation to pay for, repair, return or replace damaged or stolen property will be reduced by a $100 deductible, 14. LOAN f LEASE GAP COVERAGE A. Paragraph C., LIMIT OF INSURANCE of SECTION (II - PHYSICAL DAMAGE COVERAGE Is amended by adding the following: The most Nye will pay for a "total loss" to a covered "auto" owned by or leased to you in any one "accident" is the greater of the: 1 . Balance due under the terms of the loan or lease to which the damaged covered "auto" Is subject at the time of the "lose" less the amount of: a. Overdue payments and financial penalties associated with those payments as of the q date of the "loss", b. Financial penalties Imposed under a lease due to high mileage, excessive use or ab- normal wear and tear, c. Costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance purchased w1h the loan or lease, d. Transfer or rollover balances from previous loans or leases, a e. Final payment due under a "Balloon Loan", f. The dollar amount of any rmrepalred damage which occurred prior to the "total, loss" of a covered "auto", g• Security deposits not refunded by a lessor, h. All refunds payable or paid to you as a result of the early termination of a lease agreement or as a result of the early termination of any warranty or extended service agreement on a covered "auto", 1. Any amount representing taxes, j. Loan or lease termination fees; or 2. The actual cash value of the damage or stolen property as of the time of the "loss"- An adjustment for depreciation and physical condition will be made In determining the actual u cash value at the time of the Noss". This adjustment is not applicable in Texas. B B; ADDITIONAL CONDITIONS This coverage applies only to the original loan for which the covered "auto" that incurred the loss serves as collateral, or tease written on the covered "auto" that Incurred the loss. C. SECTION V - DEFINTIONS is changed by adding the following: As used in this endorsement provision, the following definitions apply: "Total loss" means a "loss" in which the cost of repairs plus the salvage value exceeds the actual cash value. A "balloon loan" Is one with periodic payments that are Insufficient to repay the balance over the term of the loan, thereby requiring a large final payment. © 2013Libefty Mulual Insurance CA 80 10 01 13 Includes copyrighted material of insurance services office, Inc., with its permission. Page 6 of 7 18, GLASS REPAIR - WAIVER OF DEDUCTIBLE Paragraph D. Deductible of SECTION III - PHYSICAL DAMAGE COVERAGE is amended by the addition of the following: No deductible applies to glass damage If the glass is repaired rather than replaced. 16: PARKED AUTO COLLISION COVERAGE (WAIVER OF DEDUCTIBLE) Paragraph D. Deductible of, SECTION III - PHYSICAL DAMAGE COVERAGE is amended by the addition of the following: The deductible does not apply. to "loss" caused by collision to such covered "auto" of the private passenger type or light weight truck with a gross vehicle weight of 10,000 Ibs, or less as defined by the manufacturer as maximum loaded weight the "auto" Is designed to carry while it is: a. In the charge of an "insured"; b, Legally parked; and c, Unoccupied The "toss" must be reported to the police authorities within 24 hours of known damage. The total amount of the damage to the covered -'auto' must exceed the deductible shown in the Declarations, . This provision does not apply to any "loss" If the covered "auto" is in the charge of any person or organization engaged in the automobile business, 17, TWO OR MORE DEDUCTIBLES Under SECTION III PHYSICAL DAMAGE COVERAGE, if two or more company policies or coverage farms apply to the same accident, the following applies to paragraph D. Deductible: a, If the applicable Business Auto deductible Is the smaller (or smallest) deductible It will be waived; or b, If the applicable Business Auto deductible Is not the smaller (or smallest) deductible It will be reduced by the amount of the smaller (or smallest) deductible; or c, If the loss Involves two or more Business Auto coverage forms or policies the smaller (or smallest) deductible will be waived, For the purpose of this endorsement company means any company that is part of the Liberty Mutual Group. SECTION IV • BUSINESS AUTO CONDITIONS is amended as follows: 18, UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS- SECTION IV- BUSINESS AUTO CONDITIONS, Paragraph 13,23 Is amended by adding the following: If you unintentionally fall to disclose any hazards, exposures or material .facts existing as of the inceptlon date or renewal date of the Business Auto Coverage Form, the coverage afforded by this u policy will not be prejudiced. However, you. must report the uhdlsclosed hazard of exposure as soon as practicable after its discovery, and we have the right to collect additional premium for any such hazard_ or exposure, 19, AMENDED DUTIES IN THE EVENT OF ACCIDENT, CLAIM, SUIT, OR LOSS a SECTION IV - BUSINESS AUTO . CONDITIONS, paragraph A,2,a. is replaced in its entirety by the following: a, in tite event of "accident", claim, "suit" or 'loss", you must promptly notify us when it Is known to: 1 . You, If you are an .individual; 2, A partner, If you area partnership; 3, Member, If you are a limited liability company; 4, An executive officer or the "employee" designated by the Named Insured to give such notice, it you are a corporation. © 2013Liberty Mutual Insurance CA 88 10 01 13 includes copyrighted material of Insurance Services Office, Ino., with Its permission, Page 6 of 7 To the extent possible, notice to us should Include: (1) How, when and where the "accident" or "loss" took place; (2) The "Insureds" name and address; and (3) The names and addresses of any Injured persons and witnesses. 20, WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US SECTION IV - BUSINESS AUTO CONDITIONS, paragraph A4, Transfer of Rights of Recovery Against Others to Us, is amended by the addition of the following: If the person or organization has waived those rights before an "accident" or "loss", our rights are waived also. 21 . HIRED AUTO COVERAGE TERRITORY > SECTION IV - BUSINESS AUTO CONDITIONS, paragraph 6.7., Policy Period, Coverage Territory, Is amended by the addition of the following: f. For "autos" hired 30 days or less, the coverage territory is anywhere in the world, provided That the insured's responsibility . to pay for damages is determined In a "suit", on the merits, In the United States, the territories and possessions of the United States of America, Puerto Rico or Canada or in a settlement we agree to. s This extension of coverage does not apply to an "auto" hired, leased, rented or borrowed with a driver. SECTION V - DEFINITIONS is amended as follows: 22, BODILY INJURY REDEFINED Under SECTION V - DEFINTIONS, definition C. is replaced by the following: "Bodily injury" means physical injury, sickness or disease sustained by a person, including mental "p anguish, mental Injury, shock, idght or death resulting from any of these at any time. COMMMON POLICY CONDITIONS 23. EXTENDED CANCELLATION CONDITION COMMON POLICY CONDITIONS, paragraph A. - CANCELLATION condition applies except as fol- lows: If vie cancel for any reason other than nonpayment of premium, we will mail to the first Named Insured written notice of cancellation at least 60 days before the effective date of cancellation. This provision does not apply in those states which require more than 60 days prior notice of cancella- tion. e © 20131-lberty Mutual insurance CA 88 40 01 13 Includes copyrighted material of Insurance SorvicesOffice, lnc„ with its permission. Page 7 of 7 LEW EDWARDS GROUP BAS57306007 CA 00 01 03 00 BUSINESS AUTO COVERAGE FORM Various provisions in this policy restrict coverage. SECTION I • COVERED AUTOS Read the entire policy carefully . to determine rights, duties and what Is and is not covered. ITEM TWO of the Declarations shows (he "autos" Throughout this policy the words "you" and that are covered "autos" for each of your cov- "your" refer to the Named Insured shown in the erages. The following numerical symbols de- scribe the autos" that may be covered autos". Declarations. The words "we", "us" and "our" The symbols entered next to a coverage on the refer to tile Company providing this Insurance. Declarations designate the only "autos" that are Other words and phrases that appear in quotation covered "autos". marks have special meaning. Refer to Section V - A. Description OF Covered Auto Designation Definitions. Symbols _ Symbol Description Of Covered Auto Designation Symbols 1 Anv "Auto" 2 Owned Only those `autos" you own (and. for Liability Coverage any "trailers" "Autos" you don't own while attached to power units you own.) This Includes a Only those "autos" you acquire ownership of after the polfGv be Ins. 3 Owned Only the private passenger "autos" you own. This Includes those private Private passenger "autos" you acquire ownership of after the policy begins. Passenger "Autos" Oni 4 Owned Only those "autos" you own that are not of the private passenger type fl "Autos" Other (and for Liability Coverage any "t(afters" you don't own while attached Than Private to power units you own). This includes those "autos" not of the Passenger private passenger type you acquire ownership of after the policy begins. "Autos Only 5 Owned Only those "autos" you own that are required to have No-Fault benefits "Autos" In the state where they are licensed or principally garaged. This Subject Includes those "autos" you acquire ownership of after the policy begins To No-Fault provided they are required to have Nc -Fault benefits in the state where they are licensed or principally garaged, 6 Owned Only those "autos" you own that because of the law In the state where "Autos" they are licensed or principally garaged are required to have and Subject cannot reject Uninsured Motorists Coverage. This includes those To A "autos" you acquire ownership of after the policy begins provided Compulsory they pre subject to the same state uninsured motorists requirement. Uninsured Motorists . Law 7 Specifically Only those 'autos" described in Item Three of Declarations for which Described a premium charge is shown (and for Liability Coverage any "Irallers" utos` you don't ownwhile attached to any power unit described In em Three). 8 Hired `Autos" Only those "autos" you lease, hire, rent or borrow. This does not include Only any "auto" you lease, hire, rent, - or borrow from any of your "employees", partners (If you are a partnership), members (if you are a limited liability company) or members of their households. CA 00 01 03 06 ©ISO Properties, Inc., 2005 page 1 of 13 Symbol Description Of Covered Auto Designation Symbols 0 Non•Owned Only those "autos" you do not own, lease, hire, rent or borrow that "Autos" are used in connection with your business. This Includes "autos" owned Only by your "employees", partners (if you are a partnership), members (if you are a limited liability company), or members of their households but only while used In Your business or your oersonal affairs. 10 Mobile Equip- Only those "autos" that are land vehicles and that would qualify under the ment Subject definition of "mobile equipment" under this policy if they were not To Compul- subject to a compulsory or financial responsibility law, or other sory Or motor vehicle Insurance law where they are licensed or principally garaged. Financial Responsibility Or Other Motor Vehicle Insurance Law .Onl B. Owned Autos You Acquire After The Policy d. "Loss"; or Begins as Destruction 1 . If symbols 11 2, 33 41 51 . 5 or 10 are SECTION II to LIABILITY COVERAGE entered next to a coverage In ITEM TWO A. Coverage of the Declarations, then you have cov- erage for "autos" that you acquire of the We will pay all sums an "insured" . legally type described for the remainder of the must pay as damages because of "bodily policy period. Injury" or "property damage" to which this 2. But, if symbol 7 is entered next to a Insurance applies, caused by an "accident" coverage in ITEM TWO of the Declara- and resulting from tho Aownership, malnten- tions, an "auto" you acquire will be a ante or use of a covered "auto." covered "auto" for that coverage only if: We will also pay all sums an "Insured" le- a. We already cover all "autos" that gally must pay as a "coverad pollution cost you own for that coverage or it re- or expense" to which this Insurance applies, places an "auto" you previously _ caused by an "accident" and resulting from owned that had that coverage; and the ownership, maintenance or use of cov- ered "autos." However, we will only pay for b, You tell us within 30 days after you the "covered pollution cost or expense" If acquire it that you want us to cover there is either "bodily injury" or "property It for that coverage. damage" to which this insurance applies that C. Certain Trailers, Mobile Equipment And Teruo Is caused by the same "accident" porary Substitute Autos We have the right and duty to defend any If Liability Coverage is provided by this Cov- "insured" against a "suit" asking for such erage Form, the following types of vehicles damages or a "covered pollution cost or ex- •- u are also covered "autos" for Liability Cov- penes". However, we have no duty to defend s erage: for "bodily injury" or "property dam- any "Insured" against a "suit" seeking dam- ages1. 'Trotters" with a load capacity f 2000 e Y o , age" or a Ocovered pollution cost or pounds or less designed primarily for expense' to which this insurance does not i travel on public roads. apply. We may Investigate and settle any 2. "Mobile equipment" while being carried claim or "suit" as we consider appropriate. or towed by a covered "auto." Our duty to defend or settle ends when the 3. Any "auto" you do not own white used Liability Coverage Limit of Insurance has been exhausted by payment of judgments or with " the permission of its owner as a settlements. temporary substitute for a covered "auto" you own that Is out of service 1 . Who Is An Insured because of its; The following are "insureds": a. Breakdown; a, You for any covered "auto." b. Repair; b. Anyone else while using with your c. Servicing; permission a covered "auto" you own, hire or borrow except: CA 00 01 03 06 ©ISO Properties, Inc., 2005 Page 2 of 13 (1 ) The owner or anyone else from (6) All interest on the full amount of whom you hire or borrow a cov- any judgment that accrues after Bred "auto". This exception does entry of the judgment In any not apply if the covered "auto" "sull" against the "Insured" we Is a "trailer' connected to a cov- defend, but our duty to pay In- ared "auto" you own. forest ends when we have paid, (2) Your "employee" if the covered offered to pay or deposited in "auto" Is owned by that "em- court the part, of the judgment ployee" or a member of his or that is within our Limit of Insur- her household, ante. _ (3). Someone using a covered These payments will not reduce the "auto" while he or she Is work- Limit of Insurance. ing in a business of selling, ser- b. Out of State Coverage Extensions. vicing, repairing, parking or s b White a covered "auto" Is away from storing "autos" unless that a the state where it Is licensed we will: ness is yours, (4) Anyone other than your "enr (1) Increase the Limit of Insurance ployees", partners (if you are a for Liability Coverage to meet partnership), members (if you the limits specified by a compuk are a limited Ilability company), sory or financial responsibility or a lessee or borrower or any of law of the jurisdiction where the $ their "employees", while moving covered "auto" is being used. property to or from a covered This extension does not apply to "auto". the limit or fimils specified by (5) A partner (if you are apartner- any law governing motor carders ship), or a member (if you area of passengers or property. limited liability company), for a (2) Provide the minimum amounts covered "auto" owned by him or and types of other coverages, her or a member of his or her such as no-fault, required of out- household. of-state vehicles by the jurfsdic- c. Anyone liable for the conduct of an tion where the covered "auto" is "Insured" described 'above but only . being useds to the extent of that liability. We will not pay anyone more than 2. Coverage Extensions once for the same elements of loss because of these extensions. a. Supplementary Payments. g, Exclusions We will pay for the "insured": This insurance does not apply to any of the (1) All expenses we incur, following: (2) Up to $2,000 for cost of bail i, Expected Or Intended Injury s bonds (including bonds for re- %odlly Injury" or "property damage" ex- fated tragic law violations) re- quired because - of an "accident" petted or Intended from the standpoint we cover. We do not have to of the "insured". furnish these bonds. 2, Contractual (3) The cost of bonds to release at- Liability assumed under any contract or tachments In any "suit" against agreement. the "Insured' we defend, but But this exclusion does not apply to li- only for bond amounts within ability for damage 's: our Limit of insurance. (4) All reasonable expenses Incurred a, Assumed in a contract or agreement by the "Insured" at our request, that Is an "insured contract" pro- vided the "bodily Injury" or "prop- including actual loss of earnings erty damage" occurs subsequent to up to $260 a day because of the time off from work. the execution of the contract or agreement; or (5) All costs taxed against the "in- sured" in any "suit" against the "Insured" we defend, CA 00 01 03 06 oISO Properties, Inc„ 2005 Page 3 of 13 b. That the 'insured" would have In the 6. Care, Custody Or Control . absence of the contract or agree- "Property damage" to or "covered ment• pollution cost or expense" involving 3. Workers' Compensation property owned or transported by the Any obligation for which the "insured" "insured" or In the "insured's" care, eus- or the "insured's" Insurer may be held tody or control. But this exclusion does liable under any workers' compensation, not apply to liability assumed under a disability benefits or unemployment come- sidetrack agreement. pensatton law or any similar law. 7. Handling Of Property 4. Employee Indemnification And Employ- "Bodily injury" or "property damage" re- er's Liability sulting from the handling of property: "Bodily Injury" to: a, Before if Is moved from the place a. An "employee" of the "insured" where it Is accepted by the "insured" of., movement into or onto the cov- arising out of and In the course oF ered "auto'; or (1 ) Emptoyement by the "insured"; b. After it Is moved from the covered or "auto" to the place where It is finally (2) Performing the duties related to delivered by the "insured". the conduct of the "insured's" business; or 8. Movement OF Property By Mechanical Device b. The spouse, child, patent, brother or "Bodily injury' or "property damage" re- sister of that "employee" as a con- suiting from the movement of property sequence of Paragraph a, above. by a mechanical device (other than a This exclusion appiles: hand truck) unless the device is attached (1 ) Whether the 'Insured" may be to the covered "auto". liable as an employer or in any 9. Operations other capacity; and "Bodily injury" or "property damage" (2) To any obligation to share dam- arising out of Ilia operation of: ages with or repay someone also a. Any equipment listed in Paragraphs who must pay damages because Gibs and 6.c, of the definition of "mo- of the injury. bile equipment"; or But this exclusion does not apply to b. Machinery or equipment that is on, "bodily Injury" to domestic "employees" attached to, or part of, a land vehicle not entitled to workers' compensation that would qualify under the defini- benefits or to liability assumed by the tion of "mobile equipment" if it were "Insured" under an "Insured contract". not subject to a compulsory or finan- For ,the purposes of the Coverage Form, cial responsibility law or other motor a domestic "employee" is a person en- vehicle insurance law where it Is lift gaged In household or domestic work coned or principally garaged, performed principally In connection with 10, Completed Operations a residence premises. 5. Fellow Employee "Bodily injury" or "property damage" s arising out of your work after that work "Bodily injury" to any fellow "employee" has been completed or abandoned, of the "insured" arising out of and in the In this exclusion, your work means: course of the fellow "employee's" em- ployment or while performing duties re- a. Work or operations performed by laced to the conduct of your business. you or on your behalf; and b. Materials, parts or equipment fur- nished In connection with such work or operations. CA 00 01 03 06 OISO Properties, Inc., 2005 Page 4 of 13 Your work Includes warranties or repre- Paragraph a. above does not apply to armistices made at any Iime with respect fuels, lubricants, fluids, exhaust gas- to the fitness, quality, durability ' or per- es or other similar "pollutants" that formance of any of Ilia items Included In are needed for or result from the Paragraphs a, or b, above, normal electrical, hydraulic or me- Your work will he deemed completed at ehanicai functioning of the covered the earliest of the following times: - "auto" or Its parts, if: (1 ) When all of the work called for in (1 ) The "pollutants" escape, seep, your contract has been completed. migrate, or are discharged, dls- (2) When - all of the work to be done at parsed or released directly from m auto' part designed e, Its ilia site has been completed if your manufacturer to hold, store, to- contract calls for work at more than calve or dispose of such "pollu• one site, tarits; and (3) When that part of the work done at a 2 The "bodil in u Job site has been put to its Intended ( ) Y ) y I "property damage" or "covered pollution use by any person or organization cost or expense" does not arise other than another contractor or sub- out of the operation of any contractor working on the same pro- equipment listed in Paragraphs loot, 6.b. and 6.c. of the definition of Work that may need service, main- "moblie equipment". e ienance, correction, repair or Paragraphs b. and c, above of this exclu- replacement, but which is otherwise slon do not apply to "accidents" that complete, will be treated as compfet- occur away Y from premises owned by or rented to an "insured" with respect to 11 . Pollution "pollutants" not in or upon a covered k 'Bodily Injury' or "property damage" "auto' if: arising out of the actual, alleged or (1 ) The "pollutants" or any property threatened discharge, dispersal, seepage, In which the "pollutants" are migration, release or escape of "pollu- contained are upset, overturned tents": or damaged as a result of the a. That are, or that are contained in any maintenance or use of a covered property that Is: "auto"; and (1) Being transported or toured by, (2) The discharge, dispersal, seep- handled, or handled for move- age, migration, release or escape ment Into, onto or from, the cov- of the "pollutants" Is caused di- ered "auto'; redly by such upset, overturn or damage, (2) Otherwise in the course of transit by or on behalf of the 12• War S "Insured'; or "Bodily injury" or "property damage" a (3) Being stored, disposed of, treat arising directly or indirectly out oft ad or processed In or upon the a, War, including undeclared or civil covered "auto"; war; b. Before the "pollutants" or any prop, b. Warlike action by a military force, arty , In which the "pollutants" are including action in hindering or de- contained are moved from the place fending against an actual or expect- where they are accepted by the "In- ad attack, by any government, surod" for movement Into or onto sovereign or other authority using the covered "auto"; or military personnel or other agents; or c. After the "pollutants" or any. prop, arty in which the "pollutants" are c- Insurrection,- rebellion, revolution, contained are moved . from the cov- usurped power, or, action taken by ered "auto" to the place where they governmental authority In hindering are finally dellvered, disposed of or or defending against any of thesel abandoned by the "Insured". CA 00 01 03 06 ©ISO Properties, Inc., 2005 Page 5 of 13 13, Racing 2. Towing. Covered "autos" while used In any pro-. We will pay up to the limit shown In the fessional or organized racing or demoli- Declarations for towing and labor costs lion contest or stunting activity, or while Incurred each time a covered "auto" of practicing for such contest or activity. the private passenger type Is disabled. This Insurance also does not apply while However, the labor must be performed at that covered "auto" is being prepared for the place of disablement. such a contest or activity. 3. Glass Breakage - Hitting a Bird or Ani• C, Limit Of Insurance mat • Falling Objects or Missiles. Regardless of the number of covered If you carry Comprehensive Coverage for "autos", "insureds", premiums paid, claims the damaged covered °auto", we will made or vehicles involved in the "accident", pay for the following under Comprehen- the most we will pay for the total of all sive Coverage: damages and "covered pollution cost or ex- a. Glass breakage; pense" combined, resulting from any one "accident" Is the Limit of Insurance for Liabli- b. "Loss" caused by hitting a bird or ity Coverage shown in the Declarations. animal; and All "bodily injury; "property damage" and c. "Loss" caused by failing objects or °covered pollution cost or expense" resulting missllest from continuous or repeated exposure to However, you have the option of having substantially . the same conditions will be con- glass breakage caused by a covered sidered as resulting from one "accident". "auto's" collision or overturn considered No one will be entitled to receive duplicate a "loss" under Collision Coverage. payments for the same elements of "loss" 4. Coverage Extensions under phis Coverage Form and any Medical a. Transporation Expenses Payments Coverage Endorsement, Uninsured Motorists Coverage Endorsement or Underin• We will pay up to $20 per day to a sured Motorists Coverage Endorsement at- maximum of $600 for temporary Cached to this Coverage Part, transportation expense Incurred by SECTION Ill • PHYSICAL DAMAGE COVERAGE you because of the total theft of covered 'auto" of the private pas- A, Coverage senger type. We will pay only for those covered "autos" for which you i . We will pay for "loss" to a covered auto" paIts equipment under: carry either Comprehensive or Specl- fled Causes of Loss Coverage. We a. Comprehensive Coverage. From any will pay for temporary transportation cause except: expenses incurred during the period (1 ) The covered "auto's" collision beginning 48 hours after the theft with another object; or and ending, regardless of the polk cy's expiration, when the covered (2) The covered "auto's" overturn. "auto" Is returned to use or we pay b. Specified Gnuses of Loss Coverage, for Its 'loss". Caused by: b. Loss Of Use Expenses (1) Fire, lightning or explosion; For Hired Auto Physical Damage, we n will pay expenses for which an "In- (2) Theft; sured" becomes legally responsible (3) Windstorm, hall or earthquake; to pay for loss of use of a vehicle (4) Flood; rented or hired without a driver, un- der a written rental contract or (5) Mischief or vandalism; or agreement. We will pay for loss of (6) The sinking, burning, collision or use expenses if caused by: derailment of any conveyance (1 ) Other than collision only If the transporting the covered "auto". Declarations indicate that Com- c. Collision Coverage. Caused by: prehensive Coverage Is provided for any covered "auto"; (i ) The covered "autos" collision with another object; or (2) The covered "autoV' overturn. CA 00 01 03 06 ©ISO Properties, Inc., 2005 Page 6 of 13 (2) Specified Causes Of Loss only if 3. We will not pay for "loss" caused by 'or the Declarations Indicate that resulting from any of the following un- Specified Causes Of Loss Cove- less caused by other "loss' that is cov- erage Is provided for any cov- ered by this insurance: ered "auto; or a. Wear and tear, freezing, (3) Collision only If the Declarations mechanical of electrical break- Indicate that Collision Coverage down, is provided for any covered °auto". b. Blowouts, punctures or other However, the most we will pay for road damage to tires. any expenses for loss of use is $20 4. We will not pay for °loss" to. any of the per day, to a maximum of $600, following: Be Exclusions a. Tapes, records, discs or other similar 1. We will not pay for "loss" caused by or audio, visual or data electronic de- resulting from any of the following. Such vices designed for use with audio, "loss" is excluded regardless of any oth- visual or data electronic equipment; or cause or event that contributes con- b. Any device designed or used to de- currently or in any , sequence to the toot speed measuring equipment "loss"% such as radar or laser detectors and any Jamming apparatus Intended to ( � a, Nuclear Hazard. elude or disrupt speed measurement a (1) The explosion of any weapon equipment, employing atomic fission or fu c. Any electronic equipment, without sion; or regard to whether this equipment Is (2) Nuclear reaction or radiation, or permanently installed, that receives radioactive contamination, how- or transmits audio, visual or data ever caused, signals and that Is not designed sole- b. War or Military Action . ly for the reproduction of sound. (1) War, Including undeclared or civ- d. Any accessories used with the elec- II war; Ironic equipment described in (2) Warlike action by a military Paragraph c. above. force, Including action In hinder- Exclusions 4.c. and 4.d. do not apply to: ing or defending against an ac- a. Equipment designed solely for the tual or expected attack, by any reproduction of sound and accesso- govemment, sovereign or other ties used with such equipment, pro- authority using military person- vided such equipment is nel or other agents; or permanently installed in the covered (3) Insurrection, rebellion, rovolu= "auto" at the time of the "loss" or Hon, usurped power or action such equipment Is removable from a taken by governmental authority housing unit which Is permanently In hindering or defending against installed in the covered "auto" at the any of these time of the "loss", and such equip- 2. We will not pay for °toss" to any cov- menu is designed to be solely op- a ered "auto° while used in any profes- crated by use of the power from the sional or organized racing or demolition the covered electrical system, in or upon contest or stunting activity, or while the ered "auto°; or practicing for such contest or activity. We b. Any other electronic equipment that will also not pay for "loss" to any cov- is: ered "auto" while that covered "auto" is (1) Necessary for the normal opera- being prepared, for such a contest or ac- tion of the covered °auto" or the tivltya monitoring of the covered "auto's" operating system; or CA 00 01 03 00 ©iSO Properties, Inc., 2006 Page 7 of 13 (2) An integral part of the same unit a. Pay its chosen appraiser; and housing any sound reproducing b. Bear the other expenses of the ap- equipment described In a. above praisal and umpire equally., and permanently Installed in the opening of the dash or console if Nye submit to an appraisal, we will still of the covered "auto" normally retain our right to deny the claim* used by the manufacturer for in- 2. Duties In The Event Of Accident, Claim, stallation of a radio. Suit Or Loss 5. We will not pay for "loss" to a covered We have no duty to provide coverage "auto" due to "diminution in value", under this policy unless there has been C. Limit Of Insurance full compliance with the following duties: 1 . The most we will pay for "loss" In any a. In the event of "accident", claim, one "accident" is the lesser of: "sull" or "loss", you must give usor our authorized representative prompt a. The actual cash value of the damag- notice of the "accident" or "loss". ad or stolen property as of the time Include: of the "loss"; or (1 ) Now, when and where the "ac- b. The cost of repairing or replacing the cident" or "loss" occurred; damaged or stolen property with oth- er property of like kind and quality. (2) The "insured's" name and ad- dress; and 2. An adjustment for depreciation and phys- (3) To the extent passible, the teal condition will be made in determining actual cash value in the names and addresses of any In- . Jured persons and witnesses. event of a total "loss" 36 if a repair or replacement results In bet- b. Additionally, you and any other in- ter than like kind or quality, we ill not volved "Insured" must: w pay for the amount of the betterment. (1 ) Assume no obligation, make no D. Deductible payment or Incur no expense without our consent, except at For each covered "auto", our obligation to the "insured's" own cost. pay for, repair, return or replace damaged or (2) Immediately send us copies of stolen property will be reduced by the ap- any request, demand, order, no- plicable deductible shown In the Declara- tions. Any Comprehensive Coverage tics, summons or legal paper re- deductible shown in the Declarations does ceived concerning the claim or not apply to "loss" caused by fire or light- suir, ning. (3) Cooperate with us in the inves- SECTION IV • BUSINESS AUTO CONDITIONS ligation or settlement of the claim or . defense against the The following conditions apply in addition to the "suit''. G Common Policy Conditions: (q) Authorize us to obtain medical A. Loss Conditions records or other pertinent Infer- 1 . Appraisal For Physical Damage Loss matton. It you and we disagree on the amount of (S) Submit to examination, at our "loss", either may demand an appraisal expense, by physicians of our of the "loss". In this event, each party choice, as often as we reason- will select a competent appraiser. The ably requirel two appraisers vdll select a competent c. If there Is "loss" to a covered "auto" and Impartial umpire. The appraisers will or its equipment you must also do state separately the actual cash value the following! and amount of "loss". If they tall to (1 ) Promptly notify the police if the agree, they , will submit their differences covered "auto" or any of its to the umpire. A decision agreed to by equipment siolo any. two will be binding. Each party wilt: CA 00 01 03 06 ©ISO Properties, Inc., 2006 Page 8 of 13 (2) Take ail reasonable steps to pro- 5. Transfer Of Rights Of Recovery Against tect the covered "auto" from fur- Others To Us ther damage. Also keep a record If any person or organization to or for of your expenses for consider- whom we make payment under this Cov- alion In the settlement , of the erage Form has rights to recover dam- claimp ages from another, those rights are (3) Permit us to inspect the covered transferred to us. That person or organi- "auto" and records proving the zatlon must do everything necessay ' tb' °loss" before Its repair or dis- secure our rights and must do nothing position. after "accident" or "loss" to impair (4) Agree to examinations under theme oath at our request and give us a Be General Conditions signed statement of your an- 1 , Bankruptcy swers. Bankruptcy or insolvency of the "In., 3. Legal Action Against Us sured" or the "insured's" estate will not No one may bring a legal action against relieve us of any obligations under this us under this Coverage Form until: Coverage Form. a. _ There has been full compliance with 2. Concealment, Misrepresentation or all the terms of this Coverage Form; Fraud and This Coverage Form is void In any case b. Under Liability Coverage, we agree of fraud by you at any time as it relates In willing that the "insured" has an to this Coverage Form. it is also void if obligation to pay or until the amount you or any other "Insured", at any time, of that obligation has finally been Intentionally conceal or misrepresent a determined by Judgment after trial. material fact concerning: No one has the right under this poll- a. This Coverage Form; cy to bring us into an action to deter- mine the "insured's" liability. b. The covered "auto"; 4. Loss Payment Physical Damage c, Your Interest in the covered "auto"; Coverages or At our option we may: d. A claim under this Coverage Form. a. Pay for, repair or replace damaged 3, Liberalization or stolen property; If we revise this Coverage Form to pro- - b. Return the stolen property, at our ex- vide more coverage without additional pense. We will pay for any damage premium charge, your policy will auto- that results to the "auto" from the matically provide the additional coverage theft; or as of the day the revision is effective in c. Take all or any part of the damaged Your stale. ere or stolen property at an agreed or 4. No Benefit To Bailee - Physical Damage appraised value. Coverages if we pay for the "loss", our payment We will not recognize any assignment or n will Include the applicable sales tax for grant any coverage for the benefit of any the damaged or stolen property. person or organization holding, storing or transporting property for a fee regard- less of any other provision of this . Cov- erage Form. CA 00 Of 03 08 ©ISO Properties, Inc., 2005 Page 9 of 13 *8. Other Insurance b. If this policy is Issued for more than a. For any covered "auto" you own, one year, the premium for this Cov- this Coverage Form provides primary erage Form will he computed annu- insurance. For any covered "auto" ally based on our rates or premiums you don't own, the ' Insurance pro- in effect at the beginning of. each vlded by this Coverage Form Is ex- year of the pollcy6 cess over any other collectible 7. Policy Period, Coverage Territory Insurance. However, while a covered Under this Coverage Form, we cover "ac- auto" which Is a "trailer" Is con- cidents" and "losses" occurring: netted to another vehicle, the Llabli- fly Coverage this Coverage Form a. During the policy period shown In provides for the "trailer" is: the Declarations; and (1 ) Excess while it is connected to a b. Within, the coverage territory. motor vehicle you do not own. The coverage territory is: (2) Primary while it is connected to a. The United States of America; a covered "auto" you own, b. The territories and possessions of b. For Hired Auto Physical Damage the United States of America; Coverage, any covered "auto" you c. Puerto Rico; lease, hire, rent or borrow is deemed to be a covered "auto" you own. d. Canada; and However, any "auto" that is leased, e. Anywhere in the world if: hired, rented or borrowed with a driver Is not a covered "auto". (1 ) A covered "auto" of the private c. Regardless of the provisions of Para- passenger type Is teased, hired, 9 p rented or borrowed without a graph a. above, this Coverage Form's driver for a period of 30 days or Liability . Coverage is primary for any less; and liability assumed under an 'insured contract". (2) The 'Insured'e' responsibility to pay damages Is determined In a d. When this Coverage Form and any "suit" on the merits, In the Units, other Coverage Form or policy cov- ed States of America, the ter- ers an the same basis, either excess ritories and possessions - of the or primary, we grill pay only our United States of America, Puerto share. Our share is the proportion Rico, or Canada or in a settle- that the Limit of Insurance of our ment we agree to. Coverage Form bears to the total of the limits of all the Coverage Forms We also cover "loss" to, or "accidents" and policies covering on the same - Involving, a covered "auto" while being basis. transported between any of these places. 0, Premium Audit 8. Two. Or More Coverage Forms Or Polh u cles Issued By Us a. The estimated premium for this Cov- erage Form Is based on the expo- If this Coverage Form and any other Cov- sures you told us you would have erage Form or policy issued to you by us when this policy began. We will or any company affiliated with us apply s compute the final premium due to the same "accident", the aggregate when we determine your actual ex- maximum .Limit of Insurance under all posures. The estimated total preml- the Coverage Forms or policies shall not um will be credited against the final exceed the highest applicable Limit of premium due and the first Named Insurance under any one Coverage Form Insured All be billed for the balance, or policy. This condition does not apply If any. If the estimated total premium to any Coverage Form or policy issued exceads the final premium due, the by us or an affiliated company speclti- first Named Insured will get a re- caify to apply as excess insurance over fund, this Coverage Form, CA 00 01 03 06 ©ISO Properties, Inc„ 2005 Page i0 of 13 SECTION V - DEFINITIONS b. Before the "pollutants" or any prop- A. "Accident" includes continuous or repeated arty in which the "pollutants" are exposure to the same conditions resulting In contained are moved from the place "bodily injury" or "property damage", where they are accepted by the "in- B. "Auto" means; sured" for movement Into or onto the covered "auto"; or 1. A land motor vehicle, "trailer" or semt- traller designed for travel on public c. After the "pollutants" or any prop- roads; or arty In which the "pollutants" are contained are moved from the cov- 2. Any other land vehicle that is subject to ered "auto" to the piece where they a compulsory or financial responsbility are finally delivered, disposed of or law or other motor vehicle insurance law abandoned by the "insured." where it is licensed or principally ga- raged. Paragraph a. above does not apply to However, "aule does not include "mobile fuels, lubricants, fluids, exhaust gas- equipment". as or other similar "pollutants" that are needed for or result from the C. "Bodily injury' means bodily injury, sickness normal electrical, hydraulic or me- or disease sustained by a person including chanical functioning of the covered i death resulting from any of these. "auto' or its pads, if: D. "Covered pollution cost or expense" means (1 ) The "pollutants" escape, seep, any cost or expense arising out of: migrate, or are discharged, dis- persed or released directly from - - 1 . Any request, demand, order or statutory or regulatory requirement that any "in- an "auto" part designed by its sured" or others test for, monitor, clean manufacturer to hold, store, re- up, remove, contain, treat, detoxify or calve or dispose of such 'pollu- neuiralize, or in any way respond to, or fants";_ and ? assess the effects of "pollutants'; or (2) The "bodily injury," "property 2. Any claim or "sull" by or on behalf of a damage" or "covered pollution governmental authority for damages be- cost or expense" does not arise cause of testing for, monitoring, cleaning out of the operation of any up, removing, containing, treating, detox- equipment listed in Paragraphs ifying or neutralizing, or In any way re- 6.b. or 6.c. of the definition of spending to or assessing the effects of "mobile equipment," "pollutants". Paragraphs b. and c. above do not "Covered pollution cost or expense" does not apply to "accidents" that occur away Include any cost or expense arising out of from premises owned by or rented the actual, alleged or threatened discharge, to an "insured" with respect to "pok dispersal, seepage, migration, release or es- lutants" not In or upon a covered cape of "pollutants"; "auto" if: s a. That are, or that are contained in any (1 ) The "pollutants" or any property ' property that Is: in which the "pollutants" are contained are upset, overturned (1) Being transported or towed by, or damaged as a result of the handled, or handled for move- maintenance or use of a covered ment into, onto or from the cov- "auto"; and ered "auto"; (2) The discharge, dispersal, seep- (2) Otherwise in the course of age, migration, release or escape transit by or on behalf of the of the "pollutants" is caused di- "Insured"; rectly by such upset, overturn or (3) . Being stored, disposed of, treat- 'damage, ad or processed in or upon the covered "auto"; or CA 00 01 03 06 ©ISO Properties, Inc., 2005 Page 11 of 13 E, "Dimfnutlon in value" means the actual or a. That indemnities a railroad for "bod- perceived ' loss in market value or resale vat, fly injury" or 'property damage" us which results from a direct and accidental arising out of construction or demoli- "loss". ilon operations, within 50 feet of any F, "Employee" includes a "leased worker", railroad property and affecting any "Employee" does not include a "temporary railroad bridge or trestle, tracks, road worker", beds, tunnel, underpass , or crossing; or G. "Insured" means any person or organization b. That pertains to the loan, lease or qualifying as an insured in the Who Is An rental of an "auto" to you or any of Insured provision of the applicable coverage. your "employees", If the "auto" i Except with respect to the Limit of Insurance, the coverage afforded applies separately to loaned, leased or rented with a driv- each Insured who Is seeking coverage or er' or against whom a claim or "suit" is brought, c. That holds a person or organization H. "Insured contract" means: engaged in the business of transport- Ing property by "auto" for hire harm- 1 . A lease of premises; less for your use of a covered "auto" Z A sidetrack agreement; over a route or territory that person $. An easement or license agreement, ex- or organization is authorized to serve y g by public authority. cept in connection with construction or I. "Leased worker" means a person leased to demolition operations on or within 50 you by a labor leasing firm under an agree- feet of a railroad; ment between you and the labor leasing firm, 4. An obligation, as required by ordinance, to perform duties related to the conduct of to Indemnify a municipality, except in your business. "Leased worker" does not In- connection with work for a municipality; clude a "temporary worker". 5, That part of any other contract or agree- J, "Loss" means direct and accidental loss or ment pertaining to your business (Includ- damage. ing an indemnification of a municipality K. "Mobile equipment" means any of time fol- in connection with work performed for a_municipality) under which you assume lowing types of land vehicles, including . any the tort liability of another to pay for attached machinery or equipment: "bodily Injury' or "property damage" to 1 . Bulldozers, farm machinery, forklifts and a third person or organization. Tort Ilabll- other vehicles designed for use princl- Ity means a liability that would be im- pally off public roads; posed by law In the absence of any y, Vehicles maintained for use solely on or contract or agreement. next to premises you own or rent; 6, That part of any contract or agreement 3. Vehicles that travel on crawler treads; entered into, as part of your business, pertaining to the rental of. lease, by you 4. Vehicles, whether self-propelled or not, s or any of your "employees", of any maintained primarily to provide mobility "auto." However, such contract or agree- to permanently mounted: ment shell not be considered an "Insured a. Power cranes, shovels, loaders, dig- contract" to the extent that it obligates gers or drills; or r. you or any of your "employees" to pay for "property damage" to any "auto" re• b. Road construction or resurfacing nted or leased by you or any of your equipment such as graders, scrapers "employees". or rollers. An "Insured contract" does not include that part of any contract or agreement: CA 00 01 03 06 ©ISO Properties, inc., 2005 Page U of 13 6. Vehicles not described in Paragraphs 1 ., L. 'Pollutants" means any solid, liquid, gaseous 2„ 3., or 4. above that are not self-pro- or thermal irritant or contaminant, Including polled and are maintained primarily to smoke, vapor, soot, fumes, acids, alkalis, provide mobility to permanently attached chemicals and waste. Waste Includes mated- equipment of the following types: ats to be recycled, , reconditioned or re- a. Air compressors, claimed. p pumps and gener- ators, including spraying, welding, M. "Property damage" means damage to or loss building cleaning, geophysical explo- of use of tangible property, ration, lighting and well servicing N. "Suit" means a civil proceeding in which: equipment; or b. Cherry pickers and similar devices 1 . Damages because of "bodily Injury" or = used to raise or lower workers, property damage"; or 2, A "covered pollution cost or expense", 6. Vehicles not described in Paragraphs 1 ., . 2.1 3. or 4. above maintained primarily to which this Insurance applies, are alleged, k for purposes other than the transporta- "Suit" includes: tion of persons or cargo. However, self- ® propelled vehicles with the following a. An arbitration proceeding In which types of permanently attached equipment such damages or "covered pollution are not "mobile equipment" but will be costs or expenses" are claimed and considered "autos": to which the "insured" must submit a. Equipment designed primarily for or does submit with our consent; or b. Any other alternative dispute resolu- (1 ) Snow removal; lion proceeding in which such dam- (2) Road maintenance, but not con- ages or "covered pollution costs or struclion or resurfacing; or expenses° are claimed and to which (3) Street cleaning; the insured submits with our con- sent. b. Cherry pickers and similar devices o. "Temporary worker' means a person who is mounted on automobile or truck furnished to you to substitute. fora erma- chassis and used to raise or lower nent "employee" on leave or to meet sea-- workers; and sonal or short-term workload conditions. c. Air compressors, pumps and gener£tors, Including spraying, weld- P, "Trailer" Includes semitrailer. Ing, building - cleaning, geophysical exploration, lighting or well servicing equipment. However, "mobile equipment" does not ln- clude land vehicles that are subject to a com- pulsory or financial responsibility law or other motor vehicle Insurance law where It is licensed or principally garaged. Land vehicles subject to a compulsory or financial respon- sibllity law or other motor vehicle Insurance law are considered "autos". fl CA 00 01 03 06 oiSO Properties, Inc., 2005 Page 13 of 13 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 03 13 (Ed . 04 -84) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT We have the right to recover our payments from anyone liable for an injury covered by this policy . We will not enforce our right against the person or organization named in the Schedule . (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us . ) This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule . Schedule State Person or Organization Job Description California City of Menifee All California operations Gina Gonzalez - Economic performed by the Named Insured Development Manager on behalf of the Certificate 29714 Haun Road Holder. Menifee , CA 92586 The premium charge for this endorsement shall be 5 % of the premium developed in conjunction with the work for which this waiver is provided , subject to a minimum premium of $ 100 . This charge will be billed at the final audit . This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated . Republic Indemnity Company of America Company Number 19739 Insured Lew Edwards Group Policy Number 166449- 14 Endorsement Number 28 Endorsement Effective September 21 , 2018 Printed On August 23 , 2018 Countersigned by WC 00 03 13 Insured Copy ( Ed . 04-84) © 1983 National Council on Compensation Insurance .