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2021/06/01 Taylor Walk Inc., dba Pacific Office InteriorsANY PROPRIETOR/PARTNER/EXECUTIVEOFFICER/MEMBER EXCLUDED? INSR ADDL SUBRLTR INSD WVD PRODUCER CONTACTNAME: FAXPHONE(A/C, No):(A/C, No, Ext): E-MAILADDRESS: INSURER A : INSURED INSURER B : INSURER C : INSURER D : INSURER E : INSURER F : POLICY NUMBER POLICY EFF POLICY EXPTYPE OF INSURANCE LIMITS(MM/DD/YYYY) (MM/DD/YYYY) AUTOMOBILE LIABILITY UMBRELLA LIAB EXCESS LIAB WORKERS COMPENSATIONAND EMPLOYERS' LIABILITY DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) AUTHORIZED REPRESENTATIVE EACH OCCURRENCE $ DAMAGE TO RENTEDCLAIMS-MADE OCCUR $PREMISES (Ea occurrence) MED EXP (Any one person) $ PERSONAL & ADV INJURY $ GEN'L AGGREGATE LIMIT APPLIES PER:GENERAL AGGREGATE $ PRO-POLICY LOC PRODUCTS - COMP/OP AGGJECT OTHER:$ COMBINED SINGLE LIMIT $(Ea accident) ANY AUTO BODILY INJURY (Per person) $ OWNED SCHEDULED BODILY INJURY (Per accident) $AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $AUTOS ONLY AUTOS ONLY (Per accident) $ OCCUR EACH OCCURRENCE CLAIMS-MADE AGGREGATE $ DED RETENTION $ PER OTH-STATUTE ER E.L. EACH ACCIDENT E.L. DISEASE - EA EMPLOYEE $ If yes, describe under E.L. DISEASE - POLICY LIMITDESCRIPTION OF OPERATIONS below INSURER(S) AFFORDING COVERAGE NAIC # COMMERCIAL GENERAL LIABILITY Y / N N / A (Mandatory in NH) SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. 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. 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). COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: CERTIFICATE HOLDER CANCELLATION © 1988-2015 ACORD CORPORATION. All rights reserved.ACORD 25 (2016/03) CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) $ $ $ $ $ The ACORD name and logo are registered marks of ACORD 11/16/2021 (805) 413-0256 24449 Taylor Walk Inc., dba Pacific Office Interiors 5304 Derry Ave, Ste U Agoura Hills, CA 91301 24414 41394 A 1,000,000 XXBPK0009979-00 6/1/2021 6/1/2022 100,000 5,000 1,000,000 2,000,000 2,000,000 1,000,000B XXBCA0006307-00 6/1/2021 6/1/2022 4,000,000B BUM0009795-00 6/1/2021 6/1/2022 4,000,000 C X CST5021684 6/1/2021 6/1/2022 1,000,000Y1,000,000 1,000,000 A Inland Marine BPK0009979-00 6/1/2021 Leased/Rented/Borrow 100,000 CIP 19-16: Lazy Creek Recreation Center Furniture & Installation Services City of Menifee its officers, employees, agents, and volunteers are named as additional insured with respects to the liability arising from the named insureds operations per written contract. City of Menifee 29844 Haun Road Menifee, CA 92586 TAYLWAL-02 JBRADY Westlake Risk & Insurance Services2659 Townsgate Rd Ste 103Westlake Village, CA 91361 Jackie Brady jbrady@westlakerisk.com Regent Insurance Company General Casualty Company of Wisconsin Benchmark Insurance Company X 6/1/2022 X X X X XX X X DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 C 04 03 06 (Ed. 4-84) OR,ERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY AIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT-CALIFORNIA e have the right to recover our payments from anyone liable for an injury covered by this policy. e 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.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be _2_% of the California workers' compensation premium otherwise due on such remuneration. Schedule Person or Organization Job Description Any person or organization as required by written contract. , This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. Countersigned by Policy No.CST5021684 Endorsement No. Benchmark Insurance Company ACarrier Name / Code: Taylor alk, Inc Endorsement Effective 06/01/2021 (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) ©1998 by the orker's Insurance !ating Bureau of California. All rights reserved. (Ed. 4-84) C 04 03 06 Premium $ Insured 1 Coverage Dates: 06/01/2021 - 06/01/2022 DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 COMMERCIAL GENERAL LIABILITY AH CG 8608 09 17 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AH CG 8608 09 17 Includes copyrighted material of Insurance Services Office Inc., with its permission. Copyright, Insurance Services Office, Inc. 2002 Page 1 of 2 CONTRACTORS BLANKET ADDITIONAL INSURED ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. WHO IS AN INSURED (Section II)is amended to include as an insured any person or organization (called additional insured) whom you are required to add as an additional insured on this policy under a written contract or written agreement; but the written contract or written agreement must be: 1.Currently in effect or becoming effective during the term of this policy; and 2.([HFXWHGSULRUWRWKH³ERGLO\LQMXU\´³SURSHUW\ GDPDJH´RU³SHUVRQDODQGDGYHUWLVLQJLQMXU\´ B.The insurance provided to the additional insured is limited as follows: 1.That person or organization is an additional insXUHGRQO\ZLWKUHVSHFWWROLDELOLW\IRU³ERGLO\ LQMXU\´³SURSHUW\GDPDJH´RU³SHUVRQDODQG DGYHUWLVLQJLQMXU\´FDXVHGLQZKROHRULQSDUW by: a.Your acts or omissions; or b.The acts or omissions of those acting on your behalf. in the performance of your operations for the additional insured. 2.The Limits of Insurance applicable to the additional insured are those specified in the written contract or written agreement or in the Declarations of this policy, whichever is less. These Limits of Insurance are inclusive of, and not in addition to, the Limits of Insurance shown in the Declarations. 3.The coverage provided to the additional insured by this endorsement and paragraph f. RIWKHGHILQLWLRQRI³LQVXUHGFRQWUDFW´XQGHU DEFINITIONS (SECTION V)do not apply to ³ERGLO\LQMXU\´RU³SURSHUW\GDPDJH´DULVLQJRXW RIWKH³SURGXFWV-completed operations KD]DUG´XQOHVVUHTXLUHGE\WKHZULWWHQ contract or written agreement. 4.The insurance provided to the additional insured does not apply to: ³%RGLO\LQMXU\´³SURSHUW\GDPDJH´RU ³SHUVRQDODQGDGYHUWLVLQJLQMXU\´DULVLQJRXWRI the rendering of, or failure to render, any professional architectural, engineering or surveying services, including: a.The preparing, approving, or failure to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; and b.Supervisory, inspection, architectural or engineering activities. 5.We have no duty to defend or indemnify an additional insured under this endorsement: a.For any liability due to negligence attributable to any person or entity other than you or those acting on your behalf in the performance of your operations for the additional insured. b.For any loss which occurs prior to our named insured commencing operations at the location of the loss. c.Until we receive written notice of a claim RU³VXLW´IURPWKHDGGLWLRQDOLQVXUHGDV required in the Duties In The Event of Occurrence, Offense Claim or Suit Condition. C.As respects the coverage provided under this endorsement, the COMMERCIAL GENERAL LIABILITY CONDITIONS (SECTION IV)are amended as follows: 1.The following is added to the Duties In The Event of Occurrence, Offense, Claim or Suit Condition: An additional insured under this endorsement will as soon as practicable: 3ROLF\1XPEHU%3. DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 Page 2 of 2 Includes copyrighted material of Insurance Services Office Inc., with its permission. Copyright, Insurance Services Office, Inc. 2002 AH CG 8608 09 17 (1)Give written notice of an occurrence or an offense to us which may result LQDFODLPRU³VXLW´XQGHUWKLV insurance; (2)Agree to trigger or activate any other insurance which the additional insured has, which is primary, for a loss we cover under this Coverage Part by tendering the defense to the insurers of all such other insurance. 2.As respects the coverage provided under this endorsement, Paragraph 4.b.of the Other Insurance Condition is deleted and replaced by the following: 4. Other Insurance b. Excess Insurance This insurance is excess over any other insurance naming the additional insured as an insured whether primary, excess, contingent or on any other basis unless the written contract or agreement described in A.above specifically requires that this insurance be provided on either a primary basis or a primary and noncontributory basis. DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 COMMERCIAL GENERAL LIABILITY AH CG 8617 09 17 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AH CG 8617 09 17 Includes copyrighted material of Insurance Services Office, Inc. with its permission.Page 1 of 3 NONCONTRACTOR'S ADDITIONAL INSUREDS ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. WHO IS AN INSURED (Section II) is amended to include as an insured any person or organization (called additional insured) described in Paragraphs A.1. through A.8. below whom you are required to add as an additional insured on this policy under a written contract or written agreement; but the written contract or written agreement must be currently in effect or becoming effective during the term of this policy; executed prior to the "bodily injury," "property damage" or "personal injury and advertising injury," but this paragraph does not apply to any additional insured more specifically identified elsewhere in the policy. 1. ADDITIONAL INSURED — STATE OR POLITICAL SUBDIVISIONS — PERMITS A state or political subdivision subject to the following provisions: a.A state or political subdivision is an additional insured only with respect to the following hazards for which the state or political subdivision has issued a permit in connection, with premises you own, rent, or control to which this insurance applies: (1)The existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, drive- ways, manholes, marquees, hoistaway openings, sidewalk vaults, street banners, or decorations and similar exposures; or (2)The construction, erection, or removal of elevators; or (3)The ownership, maintenance, or use of any elevators covered by this insurance. b.A state or political subdivision is an additional insured only with respect to operations performed by you or on your behalf for which the state or political subdivision has issued a permit. This insurance does not apply to "bodily injury," property damage" or "personal and advertising injury" arising out of operations performed by or for you for the state or political subdivision. 2. ADDITIONAL INSURED — CONTROLLING INTEREST Any person or organizations with a controlling interest in you but only with respect to their liability arising out of: a.Their financial control of you; or b.Premises they own, maintain or control while you lease or occupy these premises. This insurance does not apply to structural alterations, new construction and demolition operations performed by or for such additional insured. 3. ADDITIONAL INSURED — MANAGERS OR LESSORS OF PREMISES A manager or lessor of premises but only with respect to liability arising out of the ownership, maintenance or use of that specific part of the premises leased to you and subject to the following additional exclusions: This insurance does not apply to: 3ROLF\1XPEHU%3. DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 Page 2 of 3 Includes copyrighted material of Insurance Services Office, Inc. with its permission.AH CG 8617 09 17 a.Any "occurrence" which takes place after you can cease to be a tenant in that premises: or b.Structural alterations, new construction or demolition operations performed by or on behalf of such additional insured. 4. ADDITIONAL INSURED — MORTGAGEE, ASSIGNEE OR RECEIVER A mortgagee. assignee or receiver but only with respect to their liability as mortgagee, assignee or receiver and arising out of the ownership, maintenance, or use of a premises by you. This insurance does not apply to structural alterations, new construction or demolition operations performed by or for such additional insured. 5. ADDITIONAL INSURED — OWNERS OR, OTHER INTERESTS FROM WHOM LAND HAS BEEN LEASED An owner or other interest from whom land has been leased by you but only with respect to liability arising out of the ownership, maintenance or use of that specific part of the land leased to you and subject to the following additional exclusions. This insurance does not apply to: a.Any "occurrence" which takes place after you cease to lease that land; or b.Structural alterations, new construction or demolition operations performed by or on behalf of such additional insured. 6. ADDITIONAL INSURED — CO-OWNER OF INSURED PREMISES A co-owner of a premises co-owned by you and covered under this insurance but only with respect to the co-owners liability as co- owner of such premises. 7. ADDITIONAL INSURED — LESSOR OF LEASED ·EQUIPMENT Any person or organization from whom you lease equipment. Such person or organization are insured only with respect to their liability arising out of the maintenance, operation or use by you or equipment leased to you by such person or organization. A person's or organization's status as an insured under this endorsement ends when their contract or agreement with you for such leased equipment ends. With respect to the insurance afforded these additional insureds, the following additional exclusions apply: This insurance does not apply: a.To any "occurrence" which takes place after the equipment lease expires; or b.To "bodily injury" or "property damage" arising out of the sole negligence of such additional insured. Any insurance provided to an additional insured designated under Paragraphs A.1. through A.8. above does not apply to "bodily injury" or "property damage" included within the "products- completed operations hazard." 8. ADDITIONAL INSURED — VENDORS Any "vendor", but only with respect to "bodily injury" or "property damage" arising out of "your products" which are distributed or sold in the regular course of the vendor's business, subject to the following additional exclusions: a.The insurance afforded the vendor does not apply to: (1)"Bodily injury" or "property damage" for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement; (2)Any express warranty unauthorized by you; (3)Any physical or chemical change in the product made intentionally by the vendor; (4)Repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; (5)Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products; (6)Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of the product. DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 AH CG 8617 09 17 Includes copyrighted material of Insurance Services Office, Inc. with its permission.Page 3 of 3 (7)Products which, after distribution or sale by you, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for the vendor, or (8)"Bodily injury" or "property damage" arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on Its behalf. However, this exclusion does not apply to: (a)The exceptions contained in Sub- paragraphs d. or f.; or (b)Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. b.This insurance does not apply to any insured person or organization, from whom-you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products. B.As respects the coverage provided under this endorsement, Paragraph. 4.b.(3.) SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS is added: 4.b.(3.) This insurance is excess over any other insurance covering the additional insured as an insured whether primary, excess, contingent or on any other basis, unless a written contract or written agreement specifically requires that this insurance be either primary or primary and noncontributing. DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 COMMERCIAL GENERAL LIABILITY AH CG 8623 09 17 AH CG 8623 09 17 Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 1 of 6 PREMIER GENERAL LIABILITY COVERAGE EXTENSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM A. REASONABLE FORCE Paragraph 2.a. Expected or Intended Injury under COVERAGE A ²BODILY INJURY AND PROPERTY DAMAGE LIABILITY of SECTION I ²COVERAGES within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: a. Expected or Intended Injury "Bodily injury" or "property damage" expected or intended from the standpoint of the in- sured. This exclusion does not apply to "bodi- ly injury" or "property damage" resulting from the use of reasonable force to protect any person or property. B. CONTRACTUAL LIABILITY Paragraph 2.b. Contractual Liability under COVERAGE A ²BODILY INJURY AND PROPERTY DAMAGE LIABILITY of SECTION I ²COVERAGES within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: b. Contractual Liability "Bodily injury" or "property damage" for which the insured is obligated to pay damages by reason of the assumption of liability in a con- tract or agreement. This exclusion does not apply to liability for damages: (1)That the insured would have had in the absence of the contract or agreement; or (2)Assumed in a contract or agreement that is an "insured contract", provided the "bodily injury" or "property damage" oc- curs subsequent to the execution of the contract or agreement. C. NON OWNED WATERCRAFT Paragraph 2.g.(2) in the Aircraft, Auto Or Wa- tercraft exclusion under COVERAGE A ² BODILY INJURY AND PROPERTY DAMAGE LIABILITY of SECTION I ²COVERAGES within the COMMERCIAL GENERAL LIABILITY COV- ERAGE FORM is replaced by: (2)A watercraft you do not own that is: (a)less than 75 feet long; and (b)Not being used to carry persons or prop- erty for a charge. D. ELECTRONIC DATA LIABILITY 1.Paragraph 2.p. Electronic Data under COV- ERAGE A ²BODILY INJURY AND PROP- ERTY DAMAGE LIABILITY of SECTION I ² COVERAGES within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: p. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate "elec- tronic data" that does not result from physical injury to tangible property. However, this exclusion does not apply to liability for damages because of "bodily injury". 2.The following definition is added to SEC- TION V ²DEFINITIONS: "Electronic data" means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically con- trolled equipment. 3.For purposes of the coverage provided for "Electronic Data", Paragraph 17.in SEC- TION V ²DEFINITIONS is replaced by: 17."Property damage" means: a.Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or 3ROLF\1XPEHU%3. DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 Page 2 of 6 Includes copyrighted material of Insurance Services Office, Inc., with its permission. AH CG 8623 09 17 b.Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the "occurrence" that caused it; or c.Loss of, loss of use of, damage to, corruption of, inability to access, or inability to properly manipulate "elec- tronic data", resulting from physical injury to tangible property. All such loss of "electronic data" shall be deemed to occur at the time of the "occurrence" that caused it. For purposes of this insurance, "electron- ic data" is not tangible property. E. DAMAGE TO PREMISES RENTED TO YOU 1.The last paragraph after the listed exclusions under COVERAGE A ²BODILY INJURY AND PROPERTY DAMAGE LIABILITY of SECTION I ²COVERAGES within the COMMERCIAL GENERAL LIABILITY COV- ERAGE FORM is replaced by: Exclusions c.through n.do not apply to "property damage" by fire; smoke from a "hostile fire"; explosion; lightning; smoke re- sulting from such explosion or lightning; colli- sion by "mobile equipment" or leakage from fire protection systems to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as de- scribed in SECTION III ²LIMITS OF IN- SURANCE. 2.Paragraph 6.of SECTION III ²LIMITS OF INSURANCE within the COMMERCIAL GENERAL LIABLITY COVERAGE FORM is replaced by: 6.Subject to Paragraph 5.above, the Dam- age To Premises Rented To You Limit is the most we will pay in any one event un- der COVERAGE A ²BODILY INJURY AND PROPERTY DAMAGE LIABLITY for damages because of "property dam- age" from fire; smoke from a "hostile fire"; explosion; lightning; smoke resulting from such explosion or lightning; collision by "mobile equipment" or leakage from fire protection systems to premises while rented to you or temporarily occupied by you with permission of the owner. F. MEDICAL PAYMENTS Paragraph 1.a.under COVERAGE C ² MEDICAL PAYMENTS of SECTION I ²COV- ERAGES within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: a.We will pay medical expenses as described below for "bodily injury" caused by an acci- dent: (1)On premises you own or rent; (2)On ways next to premises you own or rent; or (3)Because of your operations: provided that: (a)The accident takes place in the "cov- erage territory" and during the policy period; (b)The expenses are incurred and re- ported to us within three years of the date of the accident; and (c)The injured person submits to exami- nation, at our expense, by physicians of our choice as often as we reason- able require. G. SUPPLEMENTARY PAYMENTS SUPPLEMENTARY PAYMENTS ²COVERAG- ES A AND B of SECTION I ±COVERAGES within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: SUPPLEMENTARY PAYMENTS ±COVERAG- ES A AND B 1.We will pay, with respect to any claim we investigate or settle, or any "suit" against an insured we defend: a.All expenses we incur. b.Up to $5,000 for cost of bail bonds re- quired because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to fur- nish these bonds. c.The cost of bonds to release attach- ments, but only for bond amounts within the applicable limit of insurance. We do have to furnish these bonds. d.All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $500 a day because of time off from work. e.All costs taxed against the insured in any "suit". f.Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the appli- cable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 AH CG 8623 09 17 Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 3 of 6 g.All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, of- fered to pay, or deposited in court the part of the judgment that is within the applica- ble limit of insurance. These payments will not reduce the limits of insurance. 2.If we defend an insured against a "suit" and an indemnitee of the insured is also named as a party to the "suit", we will defend that indem- nitee if all of the following conditions are met: a.The "suit" against the indemnitee seeks damages for which the insured has as- sumed the liability of the indemnitee in a contract or agreement that is an "insured contract"; b.This insurance applies to such liability as- sumed by the insured; c.The obligation to defend, or the cost of the defense of, that indemnitee, has also been assumed by the insured in the same "insured contract"; d.The allegations in the "suit" and the in- formation we know about the "occur- rence" are such that no conflict appears to exist between the interests of the in- sured and the interests of the indemnitee; e.The indemnitee and the insured ask us to conduct and control the defense of that in- demnitee against such "suit" and agree that we can assign the same counsel to defend the insured and the indemnitee; and f.The indemnitee: (1)Agrees in writing to: (a)Cooperate with us in the investi- gation, settlement or defense of the "suit"; (b)Immediately send us copies of any demands, notices, sum- monses or legal papers received in connection with the "suit"; (c)Notify any other insurer whose coverage is available to the in- demnitee; and (d)Cooperate with us with respect to coordinating other applicable insurance available to the in- demnitee; and (2)Provides us with written authoriza- tion to: (a)Obtain records and other infor- mation related to the "suit"; and (b)Conduct and control the defense of the indemnitee in such "suit". Our obligation to defend an insured's indem- nitee and to pay for attorneys' fees and nec- essary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above, or the terms of the agreement described in Paragraph f.above, are no long- er met. H. FELLOW EMPLOYEE COVERAGE ² SUPERVISOR OR HIGHER Paragraph 2.a.(1)of SECTION II ²WHO IS AN INSURED within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM does not apply to the following: Your supervisory or management "employees" for "bodily injury" only. Damages owed to an injured co-"employee" or "volunteer worker" will be reduced by any amount paid or available to the injured co-"employee" or "volunteer worker" under any other valid and collectible insurance. I. NEWLY ACQUlRED ORGANIZATIONS Paragraph 3.a.of SECTION II ²WHO IS AN INSURED within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: a.Coverage under this provision is afforded only until the end of the current policy period. J. BROAD FORM NAMED INSURED The following is added to SECTION II ²WHO IS AN INSURED within the COMMERCIAL GEN- ERAL LIABILITY COVERAGE FORM: Throughout this policy the words "you" and "your" refer to any corporation or other business organi- zation, other than a joint venture, in which the first Named Insured has or acquires during the policy period an ownership interest of more than 50% and is subject to the management control of the first Named Insured or its subsidiaries, and which is domiciled within the United States of America or its territories or possessions. K. AMENDMENT OF AGGREGATE LIMIT OF INSURANCE The General Aggregate Limit Of Insurance refer- enced in Paragraph 2.of SECTION III ²LIMITS OF INSURANCE within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM applies separately to: 1.Each of your "locations" owned by or rented to you; and DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 Page 4 of 6 Includes copyrighted material of Insurance Services Office, Inc., with its permission. AH CG 8623 09 17 2.Each of your projects away from premises owned by or rented to you. "Location" means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad. L. KNOWLEDGE OF OCCURRENCE The following is added to Paragraph 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit of SECTION IV ²COMMERCIAL GENERAL LIABILITY CONDITIONS within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM: Knowledge of an "occurrence", offense, claim or "suit" by your agent, servant or "employee" shall not be considered knowledge by you unless you, your insurance manager or any other person you designate has received notice of the "occur- rence", offense, claim or "suit" from your agent, servant, or "employee." M. OTHER INSURANCE Paragraph 4.b.(1)(a)in the Other Insurance condition of SECTION IV ²COMMERCIAL GENERAL LIABILITY CONDITIONS within the COMMERCIAL GENERAL LIABILITY COVER- AGE FORM is replaced by: (a)Any of the other insurance, whether pri- mary, excess, contingent or on any other basis: (i)That is Fire, Extended Coverage, Builders Risk; Installation Risk or sim- ilar coverage for "your work"; (ii)That is insurance covering Fire; smoke from a "hostile fire"; explosion; lightning; smoke resulting from such explosion or lightning; collision by "mobile equipment" or leakage from fire protection systems for premises while rented to you or temporarily oc- cupied by you with permission of the owner; or (iii)That is insurance to cover your liability as a tenant for "property damage" to premises while rented to you or temporarily occupied by you with permission of the owner; or (iv)If the loss arises out of the maintenance or use of aircraft, "autos", or watercraft to the extent not subject to Paragraph 2.g. Air- craft, Auto Or Watercraft under COVER- AGE A ²BODILY INJURY AND PROP- ERTY DAMAGE LIABILITY of SECTION I ±COVERAGES within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM. N. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS The following is added to Paragraph 6. Representations of SECTION IV ²COM- MERCIAL GENERAL LIABILITY CONDITIONS within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM: Any unintentional failure to disclose all exposures or hazards existing as of the effective date of the Commercial General Liability Coverage Form or at any time during the policy period will not invali- date or adversely affect the coverage for such exposure or hazard. However, you must report the undisclosed exposure or hazard to us as soon as reasonably possible after the exposure or hazard is discovered. O. WAIVER OF SUBROGATION The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of SECTION IV ²COMMERCIAL GENERAL LIABILITY CONDITIONS within the COMMER- CIAL GENERAL LIABILITY COVERAGE FORM: This condition does not apply to any person or organization to which you waived this condition by written contract or agreement, but only to the extent that subrogation is waived prior to the "bodily injury" or "property damage" under a contract with that person or organization. P. LIMITED WORLDWIDE LIABILITY COVERAGE The following is added to SECTION IV ²CON- DITIONS within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM: DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 AH CG 8623 09 17 Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 5 of 6 Expanded Coverage Territory 1.If a "suit" is brought in a part of the "coverage territory" that is outside the United States of America (including its territories and posses- sions), Puerto Rico or Canada, and we are prevented by law, or otherwise, from defend- ing the insured, the insured will initiate a de- fense of the "suit". We will reimburse the in- sured, under Supplementary Payments, for any reasonable and necessary expenses in- curred for the defense of a "suit" seeking damages to which this insurance applies, that we would have paid had we been able to ex- ercise our right and duty to defend. If the insured becomes legally obligated to pay sums because of damages to which this insurance applies in a part of the "coverage territory" that is outside the United States of America (including its territories and posses- sions), Puerto Rico or Canada, and we are prevented by law, or otherwise, from paying such sums on the insured's behalf, we will re- imburse the insured for such sums. 2.All payments or reimbursements we make for damages because of judgments or settle- ments will be made in U.S. currency at the prevailing exchange rate at the time the in- sured became legally obligated to pay such sums. All payments or reimbursements we make for expenses under Supplementary Payments will be made in U.S. currency at the prevailing exchange rate at the time the expenses were incurred. 3.Any disputes between you and us as to whether there is coverage under this policy must be filed in the courts of the United States of America (including its territories and possessions), Puerto Rico or Canada. 4.The insured must fully maintain any coverage required by law, regulation or other governmen- tal authority during the policy period, except for reduction of the aggregate limits due to pay- ments of claims, judgments or settlements. Failure to maintain such coverage required by law, regulation or other governmental authori- ty will not invalidate this insurance. However, this insurance will apply as if the required coverage by law, regulation or other govern- mental authority was in full effect. For purposes of this coverage only, the following is added to Paragraph 4.b.(1)(a)under Other Insurance of SECTION IV ²COMMERCIAL GENERAL LIABILITY CONDITIONS within the COMMERCIAL GENERAL LIABILITY COVER- AGE FORM: If the insured's liability to pay damages is deter- mined in a "suit" brought outside the United States of America (including its territories and possessions), Puerto Rico or Canada; or That is coverage required by law, regulation or other governmental authority in a part of the "coverage territory" that is outside the United States of America (including its territories and possessions), Puerto Rico or Canada. For purposes of this coverage only, Paragraph 4. of SECTION V ²DEFINITIONS within the COMMERCIAL GENERAL LIABILITY COVER- AGE FORM is replaced by: 4."Coverage territory" means anywhere in the world with the exception of any country or ju- risdiction which is subject to trade or other economic sanction or embargo by the United States of America. Q. BODILY INJURY REDEFINITION Paragraph 3.of SECTION V ²DEFINITIONS within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: 3."Bodily injury" means bodily injury, sickness or disease sustained by a person, including mental anguish, injury or illness or emotional distress and/or death resulting from any of these at any time. R. INSURED CONTRACT ²LEASE OF PREMISES Paragraph 9.a.of SECTION V ²DEFINITIONS within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: a.A contract for lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or or- ganization for "property damage" by fire; smoke from a "hostile fire", explosion; light- ning; smoke resulting from such explosion or lightning; collision by "mobile equipment" or leakage from fire protection systems to prem- ises while rented to you or temporarily occu- pied by you with permission of the owner is not an "insured contract". S. LIBERALIZATION If we revise this endorsement to provide more coverage without additional premium charge, your policy will automatically provide the coverage as of the day the revision is effective in your state. DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 Page 6 of 6 Includes copyrighted material of Insurance Services Office, Inc., with its permission. AH CG 8623 09 17 T. GOOD SAMARITAN SERVICES 1.Under SECTION II ²WHO IS AN INSURED, paragraph 2.a.(1)(d), the following is added: This exclusion does not apply to your "em- ployees" or "volunteer workers", other than an employed or volunteer physician, rendering "Good Samaritan services". 2.The following definition is added to SECTION V ²DEFINITIONS: "Good Samaritan services" means any emer- gency medical services for which no compen- sation is demanded or received. All other terms and conditions of this policy remain unchanged. DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 COMMERCIAL GENERAL LIABILITY CG 20 01 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CG 20 01 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 1 PRIMARY AND NONCONTRIBUTORY – OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to the Other Insurance Condition and supersedes any provision to the contrary: Primary And Noncontributory Insurance This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1)The additional insured is a Named Insured under such other insurance; and (2)You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured. 3ROLF\1XPEHU%3. DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 COMMERCIAL AUTO AH CA 85 90 09 17 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AH CA 85 90 09 17 Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 1 of 6 CHANGES IN COMMERCIAL AUTO COVERAGE FORM This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM A. BROADENED WHO IS AN INSURED Paragraph A.1. Who Is an Insured of SECTION II ²LIABILITY COVERAGE is amended to include the following: d.Any "employee" of yours is an "insured" while using a covered "auto" you don't own, hire or borrow in your business or your personal affairs. e.Any "employee" of yours is an "insured" while using an "auto" hired or rented under a contract or agreement in that "employ- ee's" name, with your permission, while performing duties related to the conduct of your business. f.Each person or Organization to whom you are required by a written contract or agreement to provide additional insured status is an "insured" under Liability Cov- erage, but only to the extent that person or organization qualifies as an "insured" un- der the Who is an Insured Provision con- tained in Section II of the coverage form. The written contract or agreement must be in effect during the policy period shown in the Declarations and must have been exe- cuted prior to the "bodily injury" or "proper- ty damage." B. LIABILITY COVERAGE EXTENSIONS SUPPLE- MENTARY PAYMENTS Paragraphs A.2.a. (2)and A.2.a. (4) Coverage Extensions ²Supplementary Payments of SECTION II ²LIABILITY COVERAGE are deleted and replaced with the following: (2)Up to $5,000 for the cost of bail bonds (including bonds for related traffic law violations) required because of an "ac- cident" 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 earnings up to $500 a day because of time off from work. C. FELLOW EMPLOYEE COVERAGE Paragraph B.5. Fellow Employee Exclusion con- tained in SECTION II ²LIABILITY COVERAGE does not apply if the "bodily injury" results from the use of a covered "auto" you own or hire that is not a bus, motorcycle or van used to transport em- ployees. This Fellow Employee Coverage is excess over any other collectible insurance. D. POLLUTION LIABILITY ²BROADENED COV- ERAGE FOR COVERED AUTOS 1. Liability Coverage is changed as follows: a.Paragraph B.11.a.of the Pollution Exclu- sion in SECTION II ²LIABILITY COV- ERAGE applies only to liability assumed under a contract or agreement. b.With respect to the coverage afforded by Paragraph 1.a.Above, Exclusion B.6. Care, Custody or Control of SECTION II ² LIABILITY does not apply. 2. Changes in Definitions For the purposes of this endorsement, Para- graph D.of SECTION V ²DEFINITIONS is replaced by the following: D."Covered pollution cost or expense" means any cost or expense arising out of: 1.Any request, demand, order or statuto- ry or regulatory requirement that any "insured" or others test for, monitor, clean up, remove, contain, treat, de- toxify or neutralize, or in any way re- spond to, or assess the effects of "pol- lutants"; or 3ROLF\1XPEHU%&$ DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 Page 2 of 6 Includes copyrighted material of Insurance Services Office, Inc., with its permission.AH CA 85 90 09 17 2.Any claim or "suit" by or on behalf of a governmental authority for damages be- cause of testing for, monitoring, cleaning up, removing, containing, treating, detoxify- ing or neutralizing, or in any way respond- ing to or assessing the effects of "pollu- tants". "Covered pollution cost or expense" does not include any cost or expense arising out of the actual, alleged or threatened discharge, dis- persal, seepage, migration, release or escape of "pollutants": a.Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the "insured" for movement into or onto the covered "auto"; or b.After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto" to the place where they are finally deliv- ered, disposed of or abandoned by the "insured". Paragraphs a.and b.above do not apply to "accidents" that occur away from prem- ises owned by or rented to an "insured" with respect to "pollutants" not in or upon a covered "auto" if: (1)The "pollutants" or any property in which the "pollutants" are con- tained 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. This Pollution Liability Coverage is subject to an Annual Aggregate Limit of Liability of $100,000. E. NEWLY ACQUIRED OR FORMED ORGANIZATIONS Throughout this policy, the words you and your al- so refer to any organization you newly acquire or form, other than a partnership, joint venture or lim- ited liability company, and over which you maintain ownership or majority interest, but only if there is no similar insurance available to that organization. However: 1.The coverage does not apply to an "accident" which occurred before you acquired or formed the organization. 2.Unless you notify us to add coverage to your policy, the coverage under this provision is af- forded only until: a.The 120th day after you acquire or form the organization, or b.The end of the policy period, whichever is earlier. F. EXTENDED TOWING Paragraph A.2. Towing of SECTION III ²PHYS- ICAL DAMAGE COVERAGE is deleted and re- placed with the following: We will pay for towing and labor costs each time a covered "auto" is disabled. All labor must be per- formed at the place of disablement. If the "auto" is of the private passenger type, there will be no de- ductible. If the "auto" is other than a private pas- senger type, a $100 deductible will apply. The most we will pay under this EXTENDED TOW- ING coverage is $750 per occurrence. G. PHYSICAL DAMAGE COVERAGE EXTENSIONS Paragraph A.4. ²Coverage Extensions of SEC- TION III ²PHYSICAL DAMAGE COVERAGE is amended as follows: a. Transportation Expenses The amount we will pay for temporary transportation expense is increased to $50 per day to a maximum of $3,000. b. Loss of Use Expenses The amount we will pay for loss of use is increased to $75 per day and to a maxi- mum limit of $1,000. H. RENTAL REIMBURSEMENT 1.This coverage applies only to a covered "auto" described or designated in the Schedule or in the Declarations as carrying physical damage coverage. 2.We will pay for rental reimbursement expenses incurred by you for the rental of an "auto" be- cause of "loss" to a covered "auto". Payment applies in addition to the otherwise applicable amount of coverage you have on each covered "auto". 3.We will pay only for those expenses incurred during the policy period beginning 24 hours af- ter the "loss" and ending, regardless of the pol- icy's expiration, with the lesser of the following number of days: DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 AH CA 85 90 09 17 Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 3 of 6 a.The number of days reasonably required to repair or replace the covered "auto". If "loss" is caused by theft, this number of days is added to the number of days it takes to locate the covered "auto" and re- turn it to you; or b.30 days. 4.Our payment is limited to the lesser of the fol- lowing amounts: a.Necessary and actual expenses incurred; or b.$50 per day 5.This coverage does not apply while there are spare or reserve "autos" available to you for your operations. 6.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 for under the paragraph A.4. Coverage Extensions in SECTION III ² PHYSICAL DAMAGE COVERAGE. No Deductible applies to this coverage. I. AIRBAG COVERAGE Exclusion B.3.in SECTION III ²PHYSICAL DAMAGE COVERAGE is amended to add: This exclusion does not apply to the accidental discharge of an airbag. J. AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT 1. Coverage a.We will pay with respect to a covered "au- to" described in the Schedule for "loss" to any electronic equipment that receives or transmits audio, visual or data signals and that is not designed solely for the repro- duction of sound. This coverage applies only if the equipment is permanently in- stalled in the covered "auto" at the time of the "loss" or the equipment is removable from a housing unit which is permanently installed in the covered "auto" at the time of the "loss", and such equipment is de- signed to be solely operated by use of the power from the "auto's" electrical system, in or upon the covered "auto". b.We will pay with respect to a covered "au- to" described in the Schedule for "loss" to any accessories used with the electronic equipment described in Paragraph 1.a. above. However, this does not include tapes, records or discs. 2. Exclusions The exclusions that apply to SECTION III ² PHYSICAL DAMAGE, except for the exclusion relating to Audio, Visual and Data Electronic Equipment, also apply to coverage provided by this endorsement. In addition, the following ex- clusions apply: We will not pay, under this endorsement, for either any electronic equipment or accessories used with such electronic equipment that is: a.Necessary for the normal operation of the covered "auto" or the monitoring of the covered "auto's" operating system; or b.Both: (1).An integral part of the same unit hous- ing any sound reproducing equipment designed solely for the reproduction of sound if the sound reproducing equip- ment is permanently installed in the covered "auto"; and (2).Permanently installed in the opening of the dash or console normally used by the manufacturer for the installation of a radio. 3. Limit Of Insurance With respect to coverage under this endorse- ment, the Limit Of Insurance provision of SECTION III ²PHYSICAL DAMAGE COV- ERAGE is replaced by the following: a.The most we will pay for all "loss" to audio, visual or data electronic equipment and any accessories used with this equipment as a result of any one "accident" is the lesser of: (1).The actual cash value of the damaged or stolen property as of the time of the "loss"; (2).The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality; or (3).$1,500. b.An adjustment for depreciation and physi- cal condition will be made in determining actual cash value at the time of the "loss". c.If a repair or replacement results in better than like kind or quality, we will not pay for the amount of betterment. 4. Deductible No deductible applies to this coverage. The insurance provided by this extension is excess over any other collectible insurance. DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 Page 4 of 6 Includes copyrighted material of Insurance Services Office, Inc., with its permission.AH CA 85 90 09 17 K. TAPES, RECORDS AND DISCS COVERAGE Exclusion B.4.a.of SECTION III ²PHYSICAL DAMAGE COVERAGE is deleted and replaced by the following: a.Tapes, records, discs or other similar au- dio, visual or data electronic devices de- signed for use with audio, visual or data electronic equipment except when the tapes, records, discs or other similar au- dio, visual or data electronic devices: (1)Are your property or that of a family member, and (2)Are in a covered "auto" at the time of "loss". (a).The most we will pay for "loss" is $200. No Physical Damage Cov- erage deductible applies to this coverage. This extension provides coverage only to a covered "auto". L. PHYSICAL DAMAGE DEDUCTIBLE ²SINGLE DEDUCTIBLE AND GLASS REPAIR Paragraph D. Deductible in SECTION III ² PHYSICAL DAMAGE COVERAGE is deleted and replaced by the following: D. Deductible For each covered "auto," our obligation to pay for, repair, return or replace damaged or stolen property will be reduced by the applicable de- ductible shown in the Declarations. Any Com- prehensive Coverage deductible shown in the Declarations does not apply to "loss" caused by fire or lightning. When two or more covered "autos" sustain "loss" in the same occurrence, the total of all the "loss" for all the involved covered "autos" will be reduced by a single deductible, which will be the largest of all the deductibles apply- ing to all such covered "autos." No deductible applies to glass damage if the glass is repaired rather than replaced. M. PERSONAL EFFECTS COVERAGE 1.If you purchase Comprehensive Coverage on this policy for a stolen owned "auto", we will pay up to $600 for "personal effects" stolen with the "auto". 2."Personal effects" as used in this extension means tangible property that is worn or carried by the "insured". "Personal effects" does not include tools, jewelry, money, securities, radar or laser detectors, or tapes, records, discs or similar audio, visual or data electronic equip- ment. No Deductible applies to this extension. The insurance provided by this extension is excess over any other collectible insurance. N. LOAN/LEASE PAYOFF COVERAGE The SECTION III ²PHYSICAL DAMAGE COV- ERAGE is amended by the addition of the follow- ing: In the event of a total "loss" to a covered "auto" shown in the Declarations, we will pay any unpaid amount due on the lease or loan for a covered "au- to", less: 1.The amount paid under the Physical Damage Coverage Section of the policy; and 2.Any: a.Overdue lease/loan payments at the time of the "loss"; b.Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage. c.Security deposits not returned by the les- sor; d.Costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance purchased with the loan or lease; and e.Carry-over balances from previous loans or leases. O. CUSTOM SIGNS AND DECORATIONS In the event of a total loss to a vehicle insured for auto physical damage coverage on this policy, in addition to the ACV of the vehicle, we will pay the actual cost to repair or replace signage or custom paint details up to $5,000. P. HIRED AUTO PHYSICAL DAMAGE If hired "autos" are covered "autos" for Liability Coverage and if Physical Damage Coverage of Comprehensive, Specified Causes of Loss, or Col- lision are provided under this Coverage Form for any "auto" you own, then the Physical Damage Coverage's provided are extended to "autos" you hire of like kind and use subject to the following limit: The most we will pay for any one loss is the lesser of the following: 1.$50,000 per accident, DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 AH CA 85 90 09 17 Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 5 of 6 2.Actual Cash Value, or 3.The cost of repair. The deductible will be equal to the largest deducti- ble applicable to any owned "auto" for that cover- age. No deductible applies to "loss" caused by fire or lightning. This Hired Auto Physical Damage cov- erage is excess over any other collectible insur- ance. Subject to the above limit, deductible and excess provisions, we will provide coverage equal to the broadest coverage applicable to any covered "auto" you own. Q. DUTIES IN EVENT OF ACCIDENT, CLAIM, SUIT OR LOSS Subparagraphs A.2.a.of SECTION IV ²BUSI- NESS AUTO CONDITIONS is deleted and re- placed by: a.In the event of "accident", claim, "suit" or "loss", you, your insurance manager or any other person you designate must give us or our authorized representative prompt notice of such "accident" or "loss". Include: (1)How, when and where the "accident" or "loss" occurred; (2)The "insured's" name and address; and (3)To the extent possible, the names and ad- dresses of any injured persons and wit- nesses. Knowledge of an "accident" or "loss" by your agent, servant or "employee" shall not be consid- ered knowledge by you unless you, your insurance manager or any other person you designate has received notice of the "accident" or "loss" from your agent, servant, or "employee." R. WAIVER OF SUBROGATION SECTION IV ²BUSINESS AUTO CONDI- TIONS²A. 5. Transfer of Rights of Recovery Against Others to Us is amended as follows: This condition does not apply to any person or or- ganization to which you waived this condition by written contract or agreement, but only to the ex- tent that subrogation is waived prior to the "acci- dent" or "loss" under a contract with that person or organization. S. UNINTENTIONAL FAILURE TO DISCLOSE HAZ- ARDS Paragraph B.2. Concealment, Misrepresentation Or Fraud in SECTION IV ²BUSINESS AUTO CONDITIONS is amended by adding the following: Any unintentional failure to disclose all exposures or hazards existing as of the effective date of the Business Auto Coverage Form or at any time dur- ing the policy period will not invalidate or adversely affect the coverage for such exposure or hazard. However, you must report the undisclosed expo- sure or hazard to us as soon as reasonably possi- ble after its discovery. T. EXTENDED EMPLOYEE HIRED AUTO PHYSICAL DAMAGE Paragraph B.5.b. Other Insurance of SECTION IV ²BUSINESS AUTO CONDITIONS is deleted and replaced by the following: b.For Hired Auto Physical Damage Cover- age, the following are deemed to be cov- ered "autos" you own: 1.Any covered "auto" you lease, hire, rent or borrow; and 2.Any covered "auto" hired or rented by your "employee" under a contract in that individual "employee's" name, with your permission, while performing du- ties related to the conduct of your business. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto". U. POLICY PERIOD, COVERAGE TERRITORY Paragraph B.7. Policy Period, Coverage Territo- ry of SECTION IV ²BUSINESS AUTO CONDI- TIONS is deleted and replaced by: 7. Policy Period, Coverage Territory Under this Coverage Form, we cover "acci- dents" and "losses" occurring: a.During the policy period shown in the Dec- larations; and b.Within the coverage territory. The coverage territory is: a.The United States of America; b.The territories and possessions of the United States of America; c.Puerto Rico; d.Canada; and e.Anywhere in the world if: (1)A covered "auto" is leased, hired, rented or borrowed for a period of 30 days or less; and DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96 Page 6 of 6 Includes copyrighted material of Insurance Services Office, Inc., with its permission.AH CA 85 90 09 17 (2)The "insured's" responsibility to pay damages is determined in a "suit" on the merits, in the United States of America, the territories and posses- sions of the United States of America, Puerto Rico, or Canada or in a settle- ment we agree to. We also cover "loss" to, or "accidents" involving, a covered "auto" while being transported between any of these places. V. DEFINITION OF BODILY INJURY AMENDED Paragraph C.of SECTION V ²DEFINITIONS is amended to include: "Bodily Injury" includes mental anguish or other mental injury resulting from "bodily injury." Howev- er, no coverage is provided for mental anguish or mental injury absent physical injury. None of the extensions provided under this cover- age endorsement apply if coverage is more specifi- cally identified elsewhere in the policy or endorse- ments, for which a premium charge is made or a higher limit is identified. Under no circumstances is any limit provided under this extension to be com- bined with a limit provided elsewhere in the policy or endorsements. DocuSign Envelope ID: B921A6C5-9286-4D00-9C37-BCBA62255B96