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2018/02/06 Lew Edwards Group Certificate of Liability InsuranceLEWEDWA-01 GHODGES A�COR" CERTIFICATE OF LIABILITY INSURANCE DATE 09106/2018Y) 09/06/2018 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 Cumbre Insurance Services LLC 1318 Redwood Way City of Menifee Suite 200 ON Clerk Petaluma, CA 94954 CONTACT Gail Hodges PHONE (A/C, No, Ext): (707) 992-3743 (MAX, No):(415) 899-8668 a DRIESS: hodgesg@cumbreins.com OCT 12 ? INSURERS AFFORDING COVERAGE NAIC # INSURERA:Underwriters at Lloyd's, London 15792 INSURED INSURER B:Ohio Security Insurance Company 24082 INSURER C : Republic IndemnityCompany of America 22179 Lew Edwards Group 2301 Mastlands Drive Receive Oakland, CA 94611 INSURER D: Ll0 d'S INSURER E INSURER F : COVERAGES CERTIFICATE NI IMRFR• Dc11101nur KIT TRAM= 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. ILTRI NSR TYPE OF INSURANCE ADDL SUBR POLICY NUMBER POLICY EFF POLICY EXP / LIMITS A X COMMERCIAL GENERAL LIABILITY CLAIMS -MADE [X] OCCUR X LBW562434R1 02/06/2018 02/06/2019 EACH OCCURRENCE $ 1,000,000 DAMAGETO EN��Tu ante PREMMED $ 100,000 FRCP (Any oneperson) $ 5,000 PERSONAL & ADV INJURY $ GEN'L X AGGREGATE LIMIT APPLIES PER: POLICY PE� LOC GENERAL AGGREGATE $ 2,000,000 PRODUCTS - COMP/OP AGG $ r $ OTHER: B AUTOMOBILE LIABILITY O OWNED OWNED SCHEDULED AUTOS ONLY AUTOS AUTOS ONLY X AUOTOS ONLY X BAS57306007 09/01/2018 09/01/2019 COMBINED SINGLE LIMIT Ea accident 1 $ 1,000,000 X BODILY INJURY Per person) $ BODILY INJURY Per accident $ X PeOacEcitlentDAMAGE $ $ UMBRELLA LIAB OCCUR EACH OCCURRENCE $ AGGREGATE $ EXCESS LIAB CLAIMS -MADE DED I I RETENTION S $ C WORKERS COMPENSATION AND EMPLOYERS' LIABILITY ANY PROPRIETOR/PARTNER/EXECUTIVE ❑ OFFICER/MEMBER EXCLUDED? (Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below NIA X 16644914 09/21/2018 09/21/2019 X PER OTH- START TE ER E.L. EACH ACCIDENT $ 1,000,000 E.L. DISEASE - EA EMPLOYE $ 1,000,000 E.L. DISEASE -POLICY LIMIT $ 1,000,000 D Errors & Omissions W16B2B180501 09/30/2018 09/30/2019 Per Claim 2,000,000 D Claims Made W16B2B180501 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 0812012. 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 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Menifee THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Gina Gonzalez -Economic Development Manager ACCORDANCE WITH THE POLICY PROVISIONS. 29714 Haun Road Menifee, CA 92586 AUTHORIZED REPRESENTATIVE At,UKU Lb (LU9b/U3) © 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ ITCAReFULLY. ADDITIONAL INSURED -OWNERS; LESSEES OR CONTRACTORS -SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Name ofAdd[tional Insured Person(s) Or Organization(s): Locations) of Covered Operations ANY PERSON OR ORGANIZATION AS LOCATIONS AS REQUIRED BY WRITTEN REQUIRED BY WRITTEN CONTRACT WiTH CONTRACT THEINSURED A. SECTION If -WHO iS AN INSURED Is amended to include as an additional Insured the porson(s) or organlzation(s) shown in the Schedule forwhom 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 behaif, in the performance of your ongoing operationsfor the additional insureds) 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" forwhich the "additional Insureds)"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 tine 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 insured(s)". 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: LBW562434RI Named Insured: LEW EDWARDS GROUP Endorsement Effective date: 02/08/2017 BW 000 960 Included copyrighted matorlal of180 Properties, INC, page 1 of 1 08/ 2012 with Its p 0 m) Isalo n ENDORSEMENT 1 This Indorsement Changes the Policy - Please Read it Carefully PRI[MARYANI 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 SUSINESSOWNERS LIABILITY COVERAGE FARM The following Is added to Section IV - Commercial General Liabtilty 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 "sult"arising out of the Named insureds sole negligence, tlris insurance shall be primary and any other insurance maintained by the additional insured named as the Third Party below shall be excess and non-contributory. The Third Party to whom this endorsement applies is: Absence of a speolfically named Third Party above means that the provisions of tills 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 rernain 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: LBW562434R1 Named Insured: LEW EDWARi3S GROUP Endorsement Effective Date: 02/la/2017 Endorsement Serial No, BW 001 397 1004 Includes copyrighted material of Insurance Services Office, Inc, with its permission Copyright, Insurance Services Office, Inc. 11994 LEW EDNVARDS GROUP BAS57306007 COMMERCIAL AUTO CA 88 10 01 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE REAL) 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 6 a 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 LOAM / LEASE GAP 14 PARKED AUTO COLLISION COVERAGE (WAIVER OF DEDUCTIBLE) 16 PERSONAL EFFECTS COVERAGE i1 PHYSICAL DAMAGE - ADDITIONAL TRANSPORTATION EXPENSE COVERAGE 8 RENTAL REIMBURSEMENT g SUPPLEMENTARY PAYMENTS q TOWING AND LABOR 7 TWO OR MORE DEDUCTIBLES 17 UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS 18 ,X WAIVER OF TRANSFER OF RIGHTS OF RECOVERYAGAINST OTHERS TO US 20 - SECTION 11- LIABILITY COVERAGE is amended as follows: s 1. BROAD FORM INSURED SECTION 11 - LIABILITY COVERAGE, paragraph A.1. - WHO IS AN INSURED is amended to include the following as an Insured: d. Any legally Incorporated entity of which you own mdre than 50 percent of the voting stock during the policy period. However, "insured" does not Include any organization that: (1) Is a partnership ar 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 €his provision- does not apply to a policy written to apply specifically In excess of this policy. e. Any organization you newly acquire or forrn, 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 thisprovision does nat 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, lnc., with its permission. ' Page 1 of 7 ix 0 s (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 It - 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 II - LIABILITY COVERAGE, paragraph A.1. - WHO 1S 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 (4) are replaced by the following: (2) Up to $3,000 for cost of bail bonds (Including bonds for related traffic violations ) required because of ari "accident" we cover. We do not have to furnish these bonds. (4) All reasonable expenses Incurred by the Insured at our request, Including actual loss of earn- ings up to $600 a day because of time off from work. b. AMENDED FELLOW EMPLOYEE EXCLUSION 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.5. FELLOW EMPLOYEE does not apply if the "bodily injury" results from the use of a covered "auto" you own or hire. SECTION Ill - PHYSICAL DAMAGE COVERAGE is amended as follows: 6. HIRED AUTO PHYSICAL DAMAGE Paragraph A.4. Coverage Extensions of SECTION iII - PHYSICAL DAMAGE COVERAGE, is amended by adding the following: If hired "autos" are covered "autos" for Llabitity 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 Damage coverages provided are extended to "autos': a. You hire, rent or borrow; or 0 2013Llberty Muluni Insurance CA 88 10 0143 Includes copyrighted material of Insurance Services Ofitce, Inc.,vilth Its permission. Page 2 of 7 b. Your "employee" 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 business, subject to the following limit and deductible: A.' The most Nye will pay for "loss" in any one "accident" or "foss" Is the smallest of: (1) $60,000; 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*reptacing the damaged or stolen property with other property of ilke kind and quality, minus a deductible. i� E, 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 tills provision, we will provide coverage equal to the broadest coverage applicable to any covered "auto" you own, a 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. 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 vatue. I a 7. TOWING- AND LABOR SECTION III - PHYSICAL DAMAGE COVERAGE, paragraph A.2, Towing, Is amended by the add{tlon of the following: We will pay towing and labor costs Incurred, up to the limits shown below, each time a covered "auto" classified 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" gross vehicle weight (GVW) of 10,000 pounds or less. c. For "medium Trucks" , we will pay up to $150 per disablement. "Medium 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 are trucks that have a trucks" are trucks that Paragraph A.4,a,, Coverage Extension of SECTION ill - PHYSICAL DAMAGE COVERAGE, Is amend- ed to provide a limit of $50 per day and a maximum limit of $1,500 © 2013 Liberty Mutual Insurance ' CA 88 0 01 13 Includes copyrighted me(of lei of Insurance Services Office, Inc., vihh its permission, page 3 of 7 9, RENTAL REIMBURSEMENT SECTION Ili - 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 "accldene' or "loss" to the cover©d "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 similar 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 Yemove and replace your foals 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 f11L e. If "loss" results from the 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 thls 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, we will 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 ifi - 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 tangible property than Is worn or carried by an insured." "Personal effects" does not Include tools, equipment,. Jewelry, money . or securities. 12. ACCIDENTAL AIRBAG DEPLOYMENT SECTION III - PHYSICAL DAMAGE COVERAGE, B. EXCLUSIONS Is amended by adding the follow- Ing; a 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 airbag. Any Insurance we -provide shall be excess over any other collectible Insurance or reimbursement by manufacturer's warranty. However, via agree to pay any deductible applicable to file other cov- erage or warranty. 13, AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT COVERAGE SECTION Ili - PHYSICAL DAMAGE COVERAGE,13. EXCLUSIONS, exception paragraph a. to exclu- sloes 4.c. and 4.d. Is deleted and replaced with the following: © 20131.1berty Mutual Insurance CA 88 10 0113 Includes copyrighted material of Insurance Services Office, Inc., with its parmission. Page 4 of 7 Exclusion 4.c, and 4.d. do not apply to: a. Electronic equipment that receives or transmits audio, visual or data signals, whether or not designed solely for the reproduction of sound, If the equipment is perroanent(y 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 / LEASE GAP COVERAGE P-y--. • A. Paragraph C., LIMIT OF INSURANCE of SECTION (II - PHYSICAL DAMAGE COVERAGE Is amended by adding the following: The most we 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 tune of the "loss" less the amount of: a. Overdue payments and financial penalties associated with those payrnehts as of the 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 with the loan or lease, d. Transfer or rollover balances from previous loaris or leases, e. Final payment due under a "Balloon Loan", f. The dollar amount of any unrepalred damage which occurred prior to the "total. loss" of a covered "auto", rd. Security deposits not refunded by a lessor, h. All refuhds payable or paid to you as a result of the early termination of a lease agreement or as a result of (he 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. - g B; ADDITIONAL_ CONDITIONS This coverage applies only to the original loan for which the covered "auto" that incurred the loss serves as collateral, or lease vnitten on the covered "auto" that Incurred the loss. C. SECTION V - DEFINTIONS Is changed by adding the foilovAng: 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 fihal payment. © 2013LIbertyMutual Insurance CA 80 10 01 13 Includes copyrighted material of Insurance Services Office, lne.,With Its permission. Page 6 of 7 15. 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 lbs. or less as defined by the manufacturer as maximum loaded weight die "auto" Is designed to carry white It is: a. In the charge of an "insured'; b. Legally parked; and c. Unoccupied. The "loss" must 'be reported to the pollee 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 a6y "loss" if the covered "auto" 1s In the charge of any person or organization engaged in the automQblle business, 17. TWO OR MORE DEDUCTIBLES Under SECTION III PHYSICAL. DAMAGE COVERAGE, If two or more company policies or coverage forms 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 (lie 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 B,2, Is amended by adding the following: if you unintentionally fall to disclose any hazards, exposures or material .facts existing as of the inception date or renewal date of the Business Auto Coverage Form, the coverage -afforded by Oils u policy will not be prejudiced. However, you. must report the undisclosed 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 SECTION IV - BUSINESS AUTO. CONDITIONS, paragraph A.2,a. is replaced in its entirety by the following: a, In the 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 are a 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, if you are a corporation, Q 2013LIberty Mutual Insurance CA 88 10 01 13 Includes copyrighted material of Insurance Services Office, Inc., vAth Its peimission. 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 Rlghis 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 8.7,, 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 followsr 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 rental s� anguish, mental injury, shock, fright or death resulting from any of these at any time. COMMMON POLICY CONDITIONS 23. EXTENDED CANCELLATiON CONDITION COMMON POLICY CONDITIONS, paragraph A. - CANCEL ATION condition applies except. as fol- lows: if we 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 cancelia- lion. n © 2013Liberty Mutual insurance CA 88 10 01 13 Includes copyrighted material of. Insurance Su(vices 010ce, Inc,, with its permission. Page 7 of 7 LEW EDWARDS GROUP BAS57306007 i CA 00 01 03 06 BUSINESS AUTO COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully. to determine rights, duties and what Is and Is not covered. Throughout this policy the words "you" and "}lour" refer to the Named Insured shown In the Declarations. The words 'eve", "us" and "our" refer to tile Company providing this Insurance. Other words and phrases that appear In quotation marks have special meaning. Refer. to Section V - Definitions, SECTION I - COVERED AUTOS ITEM TWO of the Declarations shows the "autos" that are covered "autos" for each of your cov- erages. The foliowing numerical symbols de- scribe the "autos" that may be covered "autos", The symbols entered next to a coverage on the Declarations designate 'the only "autos" that are covered "autos". A. Description Of Covered Auto Resignation Symbols Symbol Description Of Covered Auto Designation Symbols 1 AnY "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 Only,those "autos" You ac uire. ownership of after the policy 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" Only 4 Owned Only those "autos" you own that are not of the private passenger type "Autds" Other (and for Liability Coverage any "trailers" 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'" Onf 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 No -Fault benefits In the state where they are licensed or qrincipally 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 are 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 1s shown (and for Liability Coverage any "(rakers" " utos' you -don't while attached to any power unit s bed to em Three). a Hired 'Autos" Only those "autos" -you tease, 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 191SO properties, Inc., 2006 page 1 of 13 9 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 19 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 vehlcie Insurance law where they are licensed or principally garaged. Financial Responsibility Or Other Motor Vehicle insurance S, Owned Autos You Acquire After The Policy Begins 1. If symbols 1, 2, 3, 4, 5, • 6 or 19 are entered next to a coverage in ITEM TWO of the Declarations, then you have cov- erage for "autos" that you acquire of the type described for the remainder of the policy period. Z But, if symbol 7 is' entered next to a coverage in ITEM TWO of the Declara- tions, an "auto" you acquire will be a covered "auto" for that coverage only If: a. We already cover all "autos" that you own for, that coverage or it re- places an "auto" you previously owned that had that coverage; and b, You tell us within 30 days after you acquire it that you want us to cover It for that coverage. C. Cartain Trailers, Mobile Equipment And Tem- porary Substitute Autos If Liability Coverage Is provided by this Cov- erage Form, the following types of vehicles u are also covered °autos" for Llabpity Cov- erage: 1. 'Trailers" with a toad capacity of 2,000 pounds or less designed primarily for travel on public roads. 2. "Mobile equipment" while being carried. or towed by a covered "auto:' 3. Any "auto" you do not own while used With "the permlesion of Its owner as a temporary substitute for a covered "auto" you owh that Is out of service because of its: a. Brdakdown; b. Repair; c. Servicing; d.. °Loss"; or e. Destruction SECTION II - LIABILITY COVERAGE A. Coverage We will pay all sums an "insured" .legally must pay as damages because of "bodily Injury" - or "property damage" to which this insurance applles, caused by an "accident" and resulting from the 'ownership, mainten- ance or use of a covered "auto." We will also pay all sums an "Insured" le- gally must pay as a "covered pollution cost or expense" to which this Insurance applies, caused by an "accident" and resulting from the ownership, maintenance or use of cov- ered "autos." However, we will only pay for - the "covered pollution cost or expense" if there Is either "bodily Injury" or "property damage" • to which this insurance applles that Is caused by the same "accident." We have the right and duty to defend any 'Insured" against a "suit° asking for such damages or a "covered pollution cost or ex- pense". However, we have no duty to defend any "Insured" against a %ull" seeking dam- ages for "bodily injury" or "property dam- age" or a 'covered pollution cost or expanse" to which this insurance does not apply.- We may Investigate and settle any claim or "suit" as we consider appropriate. Our duty to defend or , settle ends when the Liability Coverage Limit of lnsurance., has been exhausted by payment of judgments or settlements. 1. Who Is An insured The following are "Insureds": a. You for any covered "auto," b. Anyone else while .using with your permission a covered "auto" you own, hire or borrow except; CA 00 01 03 06 • oISO 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 ered "auto". This exception does entry of the judgment In any not apply If the* covered "auto" "suit" against the "Insured" we Is a "trailer" connected to a cov- defend, but our duty to pay in- ered "auto" you own. terest 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 pioyee". 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 worst- Limit of Insurance. Ing in a business of selling, ser b. Out of State Coverage Extensions. vicing, repairing, parking or storing "autos" unless that busi- While a covered "auto" Is away from ness Is yours. the state where it is licensed we will: .. (4) Anyone other than your "am- (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 liability 'company), sory or financial responsibility or a lessee or borrower or any of law of the jurisdlction where the $ their "employees", while moving covered "auto" is being used. property to or from a covered This extension does not apply to "autc". the limit or limits specified by (5) A partner (if you are a partner- any law governing motor carriers • 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 jurlsdic- c. Anyone liable for the conduct of an lion where the covered "auto" Is "Insured" described 'above but only. being used, 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. B. Exclusions We will pay for the 'insured": This insurance does not apply to any 4f the (1) All expenses we Incur, following: (2) Up to $2,000 for cost of ball 1. Expected Or Intended injury bonds (including bonds for re- "Bodily "property lated 'traffic law violations) re- Injury" or damage" ex- qulred because- of an accldeitV, " petted or Intended from the standpbiht • we cover. We do not have to of the °insured". furnish these bonds. • 2. Contractual a (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 If - 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 "Insured by the "Insured" at our request, that Is an contract" pro - "bodily Including actual loss of earnings vided the Injury" or "prop - up to $250 a day because of erty damage" occurs subsequent to 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 ©ISO Properties, Inc„ 2005 Page 3 of 13 3. 4. 5. a b. That the "Insured" would have in the absence of the contract or agree- ment. Workers' Compensation Any obligation for which the "insured" or the "tnsured's" Insurer may be held liable under any workers' compensation, disability benefits or uhempioyment com- pensation la%v or any similar law. Employee Indemnification And Employ- er's Liability "Bodily Injury" to: a. An "employee" of the "Insured" arising out of and In the course of., 0) Emptoyement by the "Insured"; or (2) Performing the duties related to the conduct of the "insureds' business; or 1). The spouse, child, parent, brother or sister of that "employee" as a con- sequence of Paragraph a. above. This exclusion applies (1) Whether the "Insured" may be ]table as an employer or In any other capacity; and (2) To any obligation to share dam- ages with or 'repay someone else who must pay damages because of the injury. But this exclusion does not apply to "bodily 16jury" to, domestic "employees" not entitled to workers' compensation benefits or to liability assumed by the "insured" under an "Insured contract". For the purposes of the Coverage Form, a domestic "employee" is a person en- gaged In household or domestic work performed principally in connection with a residence premises. Fellow Employee "Bodily Injury" to any fellow "employee" of the "Insured" arising out of and In the course of the fellow "employee's" em- ployment or while performing duties re- lated to the conduct of your business. 6. Care, Custody Or Control . "Property damage" to or "covered pollution cost or expense" Involving property* owned or transported by the "insured" or In the "insured's" care, cus- tody or control. But this exclusion does not apply to . liability assumed under a sidetrack agreement. 7. Handling Of Property "Bodlly Injury" or "property damage" re- sulting from the handling of property: a. Before It Is moved from the place where It Is accepted by the "Insured" for movement into or onto the cov- ered "auto"; or b. After it Is moved from the covered "auto" to the place where It Is finally delivered by the "insured". 8. Movement Of Property By Mechanical Device: "Bodily Injury" or "property damage" re- sulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered "auto". 9. Operations "Bodily Injury" or "property damage" arising out of Ilia operation of: a. Any equipment listed 'In Paragraphs O.b. and 6.c. of the definition of "mo- bile equipment"; or b. Machinery or equipment that Is on, attached to, or part of, a land vehicle that would qualify under the defint- lion of "mobile equipment" if it were not subject to a compulsory or finan- cla► responsibility law or other motor vehicle insurance law where it Is It- censed or principally garaged. 10. Completed Operations "Bodily Injury" or "property damage" arising out of your work after that work has been completed or abandoned. In this exclusion, your work means: a, Work or operations performed by 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 0I80 Properties, Inc., 2006 Page 4 of 13 Your work Includes warrahlies or repre- sontatlons made at any time with respect to the fitness,* quality, durability' or per- formance of any of the items included In Paragraphs a, or b, above. Your work Will be deemed completed at the earliest of the following tunes: . (1) When all of the work called for in your contract has been completed. (2) When- all of the work to be done at t the site has been completed if your contract calls for work at more than one site, (3) When that part of the work done at a job site has been put to Its Intended use by arty person or organizaflon other than another contractor or sub -- contractor working on the same pro- ject. Work that may need service, main- tenance, correction, repair or replacement, but which is otherwise compiete, will be treated as compfet- ed. 11. Pollution "Sodily Injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollu- tants": a. That are, or that are contained In any property that Is: (1) Being transported or -towed by, handled, or handled for move- ment into, onto or from, the cov- ered "auto`; (2) Otherwise . In the course of transit by or on behalf of the s "Insured"; or a (3) Being stored, disposed of, treat ad or processed In or upon the covered "auto"; b. Before the "pollutants" or any prop - arty • In which the "pollutants" are contained are moved from the place where they are accepted by the 'In- sured" for movement into or onto the covered "auto"; or c. After the "pollutants" or any, prop- erty in which the "pollutants" are contained are moved . from the cov- ered "auto" to the place where they are finally dellvered, disposed of or abandondd by the "Insured". Paragraph a. above does not apply to fuels,. lubricants, fluids, exhaust gas- es or other similar "pollutants" that are needed for or result from the normal electrical, hydraulic or me- chanie-ai functioning of the' covered "auto" or its parts, If: (1) The "pollutants" escape, seep, migrate, or are discharged, -dis- persed or released directly from an "auto" part designed by Its manufacturer to hold, store, re- ceive or dispose of such "pollu- tants"; and (2) The . "bodily Injury", "properly damagb" or "covered pollution cost or expense" does not arise out of the operation of any equipment listed In Paragraphs 6.b, and 6,c. of the definition of "mobile equipment". Paragraphs b. and c, above of this exclu- sion do not apply to "accidents" that occur away from premises owned by or rented to an 'Insured" %,Ath respect to ppollutants" not in or upon a covered "auto" If: (1) The "pollutants" or any property in which the "pollutants" are contained are upset, overturned or damaged as a result of the maintenance or use of a covered "auto"; and (2) The discharge, dispersal, seep- age, migration, release or escape of the "pollutants" Is caused di- rectly by such upset, overturn or damage. 12. War "Bodily injury" or "property damage" arising directly or Indirectly out of: a. War, Including undeclared or civil war; b. Warlike action by a military force, Including action In hindering or de- fending against an actual or expect- ed attack, by any government, soveretgn or other authority using military personnel or other agents; or c, Insurrection, rebellion, revolution, usurped power, or, action taken by governmental authority . In hindering or defending against any of these. CA 00 01 03 06 0180 Propertfes, Inc., 2005 Page 6 of 13 D 13. Racing Covered "autos" while used In any pro, fessional or organized racing or demoli- tion contest or stunting activlty, or while practicing for such contest or activity. This Insurance also does not apply while that covered "auto" is being prepared for such a contest or activity. C. Limit Of insurance Regardless of the number of covered "autos", "insureds", premiums paid, claims made or vehicles involved In the "accident", the most . we will pay for the total of all damages and "covered pollution cost or ex- pense" combined, resulting from any one "accident" is the Limit of Insurance for Liabil- Ily Coverage shown In the Declarations. All "bodily -injury," "property damage" and 'covered pollution cost or expense" resulting from continuous or repeated exposure to substantially - the same conditions will be con- sidered as resulting from one "accident". No one will be entitled to receive duplicate payments for the same elements of "loss" under Ibis Coverage Form and any Medical Payments Coverage Endorsement, Uninsured Motorists Coverage Endorsement or Undedn- sured Motorists - Coverage Endorsement at- tached to this Coverage Part. SECTION III - PHYSICAL DAMAGE COVERAGE A, Coverage 1. We will pay for "loss" to a covered "auto" or its equipment under: a. Comprehensive Coverage. From any cause except; (1) The covered "auto-s" collislon vtith another object; or (2) The covered "auto's" overturn. b, Specified Causes of Loss Coverage. Caused by: (1) Fire, lightning or explosion; (2) Theft; (3) Windstorm, hall or earthquake; (4) Flood; (5) Mischief or vandalism; or (6) The sinking, burning, collision oi• derailment of any conveyance transporting the - covered "auto". c. Collision Coverage, Caused by: (4) The covered "auto'$" collision with another object; or .(2) The covered "auto's" overturn. 2. Towing. We will pay up to the limit shown In the Declaratlons for towing and labor costs incurred each time a covered "auto" of the private passenger type Is disabled, However, the labor must be performed at the place of disablement, - 3. Glass Breakage - Hitting a Bird or Ani- mal - Falling Objects or Missiles. If you carry Comprehensive Coverage for the damaged covered "auto", we will pay for the following under Comprehen- sive Coverage: a. Glass breakage; b. 'Loss". caused by hitting a bird or anlmal; and c. "Loss" caused by falling ob]ects or missiles. However, you have the option of having glass breakage caused by a covered "auto's" collision or overturn consldbred a "loss" tinder Collision Coverage. 4. Coverage Extensions a. Transporation Expenses We will pay 'up to $20 per day to a maximum of $600 for temporary transportation expense incurred by you because of the total theft of a covered "auto" of the private pas- senger type. We vAll pay only for those covered "autos" for which you carry either Comprehensive or Speci- fied Causes of Loss Coverage, We will pay for temporary transportation expenses incurred during the period beginning 48 hours after the theft and ending, -regardless of the poll- cy's expiration, when the covered "auto" is returned to use or we pay for Its °loss". b, Loss Of Use Expenses For Hired Auto - Physical Damage, we will pay expenses for which an "in- sured" becomes legally responsible to pay for loss of use of a vehicle rented or hired without a driver, un- der a written rental contract or agreement. We will pay for loss of use expenses If caused by: (1) Other than collision only if the Declarations indicate that Com; prehensive Coverage Is provided for any covered "auto", 0 CA 00 01 03 06 @ISO Properties, Inc., 2005 Page 6 of 13 (2) Specified Causes Of Loss only if the Declarations Indicate that Specified Causes Of Loss Cov- erage Is provided for any cov- ered "auto; or (3) Collision only If the Declarations Indicate that Collision Coverage Is provided for any covered "auto". However, the most vie will pay for any expenses for loss of use Is $20 per day, to a maximum of $60D. B. Exclusions 1. We will not pay for "loss" caused by or resulting from any of the. following. Such "loss" is excluded regardless of any oth- er cause or event that contributes con- currently or in any. sequence to- the "toss". a. Nuclear -Hazard. s >� (1) The explosion of any weapon employing atomic fission or At- slon; or (2) Nuclear reaction or radiation, or radloactive contamination, how- ever caused. b, War or Military Action. (1) War, including undeclared or civ- II war; (2) Warlike action by a military force, Including action In hinder- Ing or defending against an ac- tual or expected attack, by any government, sovereign or other authority using military person - net or other agents; or (3) insurrection, rebellion, revolu= tion, usurped power- or action taken by governmental authority In hindering or defending against any of these. 2. We will not pay for "loss" to any cov- ered "auto" while used In any profes- slonal or organized racing or demolition contest or stunting activity, or while -practicing for such contest or activity. We will also not pay for "loss" to any cov- ered "auto" while that covered "auto" is being prepared. for such a contest or ac- tivity. 3. We will not pay for "loss" caused by or resulting from any of the following un- less caused by other "loss" that is cov- ered by this Insurance: a. Wear and tear, freezing, mechanical or electrical break- down. . b. Blowouts, punctures or other road damage to tires. 4. We will not pay for 'loss, to any of the following: a. Tapes, records, discs or other similar audio, visual or data electronic de- vices designed for use vilih audio, visual or data electronic equipment, b. Any device designed, or used to de- tect - speed measuring equipment such as radar or laser detectors and any jamming apparatus Intended to elude or disrupt speed measurement equipment, c. Any electronic equipment, without regard to whether this equipment Is permanently Installed, that receives or transmits audio, visual or data signals and that is not designed sole- ly for the reproduction of sound. d. Any accessories used with the elec- tronic equipment described In Paragraph c. above. Exclusions 4;c. and 4.d. do not apply to: a. Equipment designed solely for the reproduction of sound and accesso- ries used with such equipment, pro- vided such equipment Is permanently Installed in the covered "auto" at the time of the 'loss!' or such equipment Is removable from a housing unit which Is permanently Installed in the covered "auto" at the time of the "loss", and such equip- ment Is designed to be solely op- erated by use of the power from the "auto's" electrical system, In or upon the covered °auto°; or b, Any other electronic equipment that Is: . (1) Necessary for the normal opera- tion of the covered "auto" or the monitoring of the covered "auto's" operating system; or CA 00 01 03 00' OISO 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 pralsal and umpire equally.. and permanently installed In the opening of the dash or console if Nye submit to an appraisal, we will sill[ of the covered "auto" normally retain our right to deny the claim. used by the manufacturer for €n- 2, Duties In The Event Of Accident, Claim, stallation of a. radlo. 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 ' pollcy unless there has .been C.- Limit of insurance full compliance with the following duties: t. The most we will pay for "loss" in any a, In the event of "accident", cfalm, one "accident" [s the lesser of: °suit" or "loss", you must give -us or our authorized representative prompt a. The actual cash value of the damag- notice of the "accident" or "loss". ed or stolen property as of the time Include: of the "loss"; or (1) How, 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 possible, €[re ical condition will be made in determining actual cash value In life names and addresses of any In - event of a total "loss". jured persons and witnesses. 3: if a repair or replacement results In bet- • b. Additionally, you and any other in- - volved "insured" must: ter than like kind or quality, we wilt not. 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- plicable deductible shown In the Declara- any request, demand, order, no- tions. Any Comprehensive Coverage t[ce, summons or legal paper ie- deductible shown In the Declarations does ceived concerning the claim or not apply to "loss" caused by fire or light- n v su t . ning. (3) Cooperate svlth us In the Inves- SECTION IV - BUSINESS AUTO CONDITIONS tlgation or settlement of the claim or - defense against the The following conditions apply in addition to the "suit''. Common Policy Conditions: (4) Authorize us to obtain medical A, loss Conditions records or other pertinent Infor- 9. Appraisal For Physical Damage loss mallon. If you and we disagree on the amount of (5) 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 require. two appraisers will select a competent c. If there is "loss" to a covered "aulo" and Impartial umpire. The appraisers will- or its equipment you must also do state separately the actual cash value the following; and amount of "lass". If they fall to agree, they, will - submit their differences (1) Promptly notify the police if the to the umpire. A decision agreed to by covered "auto" or any of Its any. two will be binding. Each party will: equipment is stolen. CA 00 0i 03 06 OISO Properties, inc., 2006 Page 8 of 13 (2) Take all reasonable steps to pro- S. Transfer Of Rights Of 12acovary Against tact the covered "auto" from fur- Others To Us ther damage. Aldo keep a record If any person or organization to or for of your expenses for consider- whom we make payment under this Cov- ation in the settlement of the erage Form has rights to recover dam - claim, ages from another, those rights are (3) Permit us to _inspect the covered transferred to us. That person or organ] - "auto" and records proving . the zatlon - must do everything necessay ' W °toss" before its repair or dls- secure our rights and must do nothing position. after "adcldent" -or "loss" to impair- (4) Agree to examinations under them. oath at our request and give us a B. General Condltlons t� signed statement of your an - 1. Bankruptcy � savers. 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- o Coverage Form. a. There has been full compliance with 2. Concealment, Misrepresentation Or all the terms of this Coverage Form; Fraud sand 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 "InsuredW' 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 pulley will auto - that results to the "auto" from the matically provide the additional coverage theft; or as of the day the revtslon is effective in c. Take all or any part of the damaged your state. 0 or stolen property at an agreed or 4. No Benefit To Bailee - Phystcai Damage appraised value: Covorages If we pay for the "loss", our payment 1+Ye will not recognize any assignment or a 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 01 03 06 ©ISO Properties, inc., 2005 Page 9 of 13 a 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 be computed annu- Insurance, For any covered "auto" ally based on our rates or premiums you don't own, Ilia. insurance pro- In effect at the beginning of. each vided by this Coverage Form Is ex- year of (he policy. cess over any other collectible 7. Policy Period, Coverage Territory Insurance. However, while a covered "auto" Under this Coverage Form, we cover "ac- which is a "trailer" Is .con- cldents" and "losses" occurring: netted to another vehicle, the Llabil- fly Coverage this Coverage Form a. During - the pollcy .: 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 Damabe the United States of America; Coverage, any covered °auto" you G. 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 leased, hired, 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 "lnsured's" responsibility to () p Y pay damages Is determined In a d. When this Coverage Form and any "sult" on the merits, in the Unit - other Coverage Form or policy cov- ed States of America, the ter- ers on -the same basis, either excess ritorles and possessions_ of the or primary, we will 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 tine agree to. Coverage Form bears to the total of the limits of all the Coverage Forms 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. 6, Premium Audit 8. Two. Or More Coverage Forms Or Poll- cles Issued By Us a. The estimated premium for this Cov- erage Form is based on the expo- if ails Coverage Form and an other Cov- sures you told us you would have erage Form or policy issued toyou by us when this policy began. We will or any company affiliated with us apply compute the final premium- due to the same "accldent", the aggregate when- we determine your actual ex- maximum .Limit. of Insurance under all posures, The estimated total pram!- 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 will be billed for the balance, or policy. This condillon does not apply if any. if the estimated total premium to any Coverage Form or policy issued exceeds the final prem[um due, the by us- or an affiliated company speefil- first named Insured Vill get a re- tally to apply as excess Insurance over fund, this Coverage Form, CA 00 01 03 06 Q1SO Properties, Inc„ 2006 Page 10 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- i3. 'Auto" means; sured" for movement Into or onto the covered "auto"; or 1, A land motor vehicle, "trailer" or semi- trailer designed for travel on public c• After the "pollutants" or any prop- roads; or erty In which the "pollutants" are 2. Any other land vehicle that is subject to contained are moved from the . cov- ered "auto" to the place where they -a compulsory or financial responsbility are finally delivereq, 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, "auto" does not Include "mobile fuels, lubricants, fluids, exhaust gas - equipment". as or other similar "pollutants" that "Bodily are needed for or result from the C, injury" means bodily injury, sickness normal electrical, hydraulic or me - or disease sustained by a person including chanical functioning of the covered death resulting from any of these. "auto" or its parts, If: g D. "Covered pollution cost or expense" means (1) The "pollutants" escape, seep, any cost or expense arising out of: migrate, or are discharged, dis- e� 1. Any request, demand, order or statutory t persed or released directly from or reguiafarp requirement that any In- b designed art to" "au an p g y its sured" or * others test for, monitor, clean manufacturer to hold, store, re - up, remove, contain, treat, detoxify or calve or dispose of such "potlu- neuiralize, or in any way respond to, or Cants";. and ?i assess the effects of "pollutants"; or (2) The "bodily injury," "property .2. Any claim or "suit" 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 sponding 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 "poi - dispersal, - seepage, migration, release. or es- lutants" not In or upon a covered cape of "pollulanW% * - "auto" if: - e a. That are, or that are contained in any (1) The "pollutants" or any property V property that is: in which the "pollutants" are contained are upset, overturned (1) Being transported or tovred 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) Othetwlse 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• ed or processed in or upon the covered "auto"; or CA 00 01 03 06 OISO Properties, Inc., 2005 Page 11 of 13 P. E. "Diminutlon In value" means the actual or perceived ' lost in market value or resale val- ue which results from a direct and accidental "loss". F. 'Employee" includes a "leased worker". "Employee" does not include a "temporary worker". G. "Insured" means any person or organization qualifying as an insured in the Who Is An Insured provision of the applicable coverage. Except with ' respect to the Limit of Insurance, the coverage afforded applies separately to each insured who Is seeking coverage or against whom a claim or "suit" is brought. H. "Insured contract" means: 1, A lease of premises; 2. A sidetrack agreement; 3. Any easement or license agreement, ex- cept in connection with construction or demolition operations on or within 50 feet of a railroad; 4. An obligation, as required by ordinance, to Indemnify a municipality, except in connection with worts for a municipality; 5. That part of any other contract or agree- ment pertaining to your business (includ- ing an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another to pay for "bodily Injury" or "property damage" to a third person or organization. Tort liabil- Ity means a liability that would be lm- posed by law In the absence of any contract or agreement. 6. That pert of any contract or agreement entered Into, as part of your business, pertaining to the rental of. lease, by you or any of your "employees", of any "auto.' ' However, such contract or agree- ment shall not be considered -an "Insured. contract" to the extent that It obligates you or any of your "employees" to pay for °property damage" to any "auto" re- nted or leased by you or any of your "employees". An "Insured contract" does not Include that part of any contract or agreement: a. That Indemnities a railroad for "bod- ily injury" or "property damage' arising out of construction or der6oli- tion operations, within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, road beds, tunnel, underpass., or crossing; or b. That pertains to the loan', lease or rental of an "auto" to you or 'any 'of your "employees", if the "auto" Is loaned, leased or rented with a driv- er; or c. That holds a person or organization engaged in the business of transport- ing property by "auto" for hire harm- less for your use of a covered "auto" over a route or territory that person or organization Is authorized to serve by public authority. 1. "Leased worker" means a person leased to you by a labor leasing firm under an agree- ment between you and the labor leasing firm, to perform duties related to the conduct of your business. "Leased worker" does not In- - clude a "temporary - worker". J. "Loss" means direct and accidental - loss or damage. K. "Mobile equipment' means any of the fol- lowing types of land vehicles, including . any attached machinery or equipment.- -1. Bulldozers, farm machinery, forkllfts and other vehicles designed for use princi- paliy off public. roads; 2. Vehicles maintained for use solely on or next to premises you own or rent; 3. Vehicles that travel on crawler treads; 4. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: a. Power cranes, shovels, loaders, dig- gers or drills; or b. Road construction or resurfacing equipment such as graders, scrapers or rollers. CA 00 01 03 06 ©ISO Properties, Inc., 2005 Page 12 of 13 l; 8 6. Vehicles not described In Paragraphs 1., 2., 3., or 4. above that are not self-pro- pelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: a. Air compressors, pumps and gener- ators, Including spraying, welding, building ' cleaning, geophysical explo- ration, lighting and well servicing equipment; or b. Cherry pickers and similar devices used to raise or lower workers. 6. Vehicles not described In Paragraphs 1., 2., 3. or 4, above maintained primarily for purposes other than the transporta- tion of _persons or cargo. However, self- propelled vehicles with the following types of permanently attached equipment are not "mobile equipment but will be considered "autos": a. Equipment designed primarily for: (1) Snow removal; (2) Road maintenance, but not con- struction or resurfacing; or (3) Street cleaning; b. Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and c. Air compressors, pumps and gener£tors, Including spraying, weld- ing, building . cleaning, geophysical exploration, lighting or well servicing equipment. However, "mobile equipment" does not In- clude land vehicles that are subject to a com- pulsory or financial responsibility law or other motor vehicle Insurance law whore it Is licensed or principally garaged. Land vehicles subject to a compulsory or financial respon- sibility law or other motor vehicle- Insurance law are considered "autos, CA 00 01 03 06 L. N. a P. "Pollutants" means any solid, liquid, gaseous or thermal fratant or contaminant, lhcludtng smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste Includes materi- als to be recycled,' reconditioned or re- claimed. "Property damage" means damage to or toss of use of tangible property. "Sull" means a clvit proceeding In which: 1. Damages because of "bodily Injury" or "property damage"; or 2. A "covered pollution cost or expense", to which this Insurance applies, are alleged. "Suit" includes: a. An arbitration proceeding In which such damages or "covered pollution costs or expenses" are claimed and to which the "insured" must submit or does submit with our consent; or b. Any other alternative dispute resolu- tion proceeding In 'which such dam- ages or "covered poilution costs or expenses° are claimed and to which the insured submits with our con- sent. "Temporary worker" means a person who Is furnished to you to substitute. for a perma- nent "employee" on leave or to meet sea= sons€ or short-term -workload conditions, - "Trailer" includes -semitraiier. p1SO 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 WC 00 03 13 (Ed. 04-84) Countersigned by: Insured Copy © 1983 National Council on Compensation Insurance.