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2022/02/22 Airforce 1 Plumbing and Heating & Air IncSHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. INSURER(S) AFFORDING COVERAGE INSURER F : INSURER E : INSURER D : INSURER C : INSURER B : INSURER A : NAIC # NAME:CONTACT (A/C, No):FAX E-MAILADDRESS: PRODUCER (A/C, No, Ext):PHONE INSURED REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES 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). 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. OTHER: (Per accident) (Ea accident) $ $ N / A SUBR WVD ADDL INSD 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. $ $ $ $PROPERTY DAMAGE BODILY INJURY (Per accident) BODILY INJURY (Per person) COMBINED SINGLE LIMIT AUTOS ONLY AUTOSAUTOS ONLY NON-OWNED SCHEDULEDOWNED ANY AUTO AUTOMOBILE LIABILITY Y / N WORKERS COMPENSATION AND EMPLOYERS' LIABILITY OFFICER/MEMBER EXCLUDED? (Mandatory in NH) DESCRIPTION OF OPERATIONS below If yes, describe under ANY PROPRIETOR/PARTNER/EXECUTIVE $ $ $ E.L. DISEASE - POLICY LIMIT E.L. DISEASE - EA EMPLOYEE E.L. EACH ACCIDENT EROTH-STATUTEPER LIMITS(MM/DD/YYYY)POLICY EXP(MM/DD/YYYY)POLICY EFFPOLICY NUMBERTYPE OF INSURANCELTRINSR DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) EXCESS LIAB UMBRELLA LIAB $EACH OCCURRENCE $AGGREGATE $ OCCUR CLAIMS-MADE DED RETENTION $ $PRODUCTS - COMP/OP AGG $GENERAL AGGREGATE $PERSONAL & ADV INJURY $MED EXP (Any one person) $EACH OCCURRENCE DAMAGE TO RENTED $PREMISES (Ea occurrence) COMMERCIAL GENERAL LIABILITY CLAIMS-MADE OCCUR GEN'L AGGREGATE LIMIT APPLIES PER: POLICY PRO-JECT LOC CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) CANCELLATION AUTHORIZED REPRESENTATIVE ACORD 25 (2016/03) © 1988-2015 ACORD CORPORATION. All rights reserved. CERTIFICATE HOLDER The ACORD name and logo are registered marks of ACORD HIRED AUTOS ONLY 3/11/2022 Orr &Associates Insurance Services 28780 Single Oak Dr Ste 255 Temecula CA 92590 Certificates 800-311-3081 800-474-3003 certs@orrandassociates.com License#:0E63493 Kemper/Infinity Select Insuran 20260 AIRFORC-02 Blackboard Insurance Company 26611Airforce1PlumbingHeating&Air Inc 31566 Railroad Canyon Road #682 Canyon Lake CA 92587 583569054 2 B X 1,000,000 X 50,000 5,000 Excluded 2,000,000 X Y Y ORRINS00001HIBP-39076-03 2/22/2022 2/22/2023 2,000,000 A 1,000,000 X 504-61016-7888-001 1/10/2022 1/10/2023 B B Business Owners Policy Business Owners Policy ORRINS00001HIBP-39076-03 ORRINS00001HIBP-39076-03 2/22/2022 2/22/2022 2/22/2023 2/22/2023 BPP Building 41,616 8,323 Certificate is subject to policy limits,conditions and exclusions. CITY OF MENIFEE is named as Additional Insured as per attached endorsement form(s). CITY OF MENIFEE 29844 Haun Rd Menifee CA 92586 DocuSign Envelope ID: 15B0602D-9CE6-4ADE-83B6-C932B32B858E BUSINESSOWNERS SM 04 04 01 18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SM 04 04 01 18 Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2018 Blackboard U.S. Holdings, Inc. All Rights Reserved. May not be copied without permission. Page 1 of 9 CONTRACTORS ENHANCEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM The provisions of the Businessowners Coverage Form apply except as otherwise provided in this endorsement. All numbers and letters used to designate paragraphs in this endorsement are specific to this endorsement only. The following is a summary of increased limits of insurance and additional coverage provided by this endorsement. For complete details on specific coverage, refer to the appropriate provisions in this endorsement. Unless otherwise noted, if similar coverage is provided in this endorsement and is also provided in another coverage form or coverage endorsement attached to this policy, the coverage provided by this endorsement will apply first. Similar coverage provided elsewhere in the policy will apply after the limit in this endorsement has been exhausted. Unless otherwise stated in this Endorsement, the Coverage provided in this Endorsement is subject to the Deductible shown in the Businessowners Coverage Form Declarations, or $500, whichever is less. However, if Flood, Earthquake, Earthquake Sprinkler Leakage, Windstorm or Hail, Hurricane and/or Difference in Conditions Coverage is provided, the deductible shown in the specific coverage declarations applies. The titles and descriptions in the Coverage Schedule below are intended solely for ease of reference and do not in any way limit, expand or otherwise affect the provisions of this endorsement. BUSINESSOWNERS SCHEDULE OF COVERAGE CHANGES COVERAGE LIMIT OF INSURANCE PAGE Building Glass Included in Building Limit. Coverage, page 4 Property Limitations - Theft Furs, fur garments and garments trimmed in fur - $5,000. Jewelry, watches, jewels, pearls, precious and semi-precious stones, gold, silver, bullion - $5,000. Patterns, dies, molds and forms - $10,000 Coverage, page 4 Fire Department Service Charge Up to $25,000 unless a higher limit is shown in the Declarations. Coverage, page 4 Civil Authority: Business Income Necessary Extra Expense Actual loss of Business Income due to civil action that prevents access to business area for six consecutive weeks; or when the coverage ends. Coverage begins 48 hours after the time of the first action. Coverage for necessary extra expense begins immediately after the time of the first action that prohibits access and ends six consecutive weeks after the date of that action; or when coverage for Business Income ends. Coverage, page 4 DocuSign Envelope ID: 15B0602D-9CE6-4ADE-83B6-C932B32B858E SM 04 04 01 18 Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2018 Blackboard U.S. Holdings, Inc. All Rights Reserved. May not be copied without permission. Page 2 of 9 COVERAGE LIMIT OF INSURANCE PAGE Money Orders and "Counterfeit Money" $10,000 Coverage, page 4 Forgery Or Alteration $10,000, unless a higher Limit Of Insurance is shown in the Declarations. Coverage, page 4 Business Income From Dependent Properties $10,000 Coverage, page 4 Fire Extinguisher Systems Recharge Expense $25,000 Coverage, page 4 Electronic Data $25,000 Aggregate per Policy Year unless higher Limit of Insurance is shown in the Declarations. Coverage, page 5 Fire/Theft Reward Lesser of $10,000; or the dollar amount of the covered fire or theft loss. (This coverage is not applicable in New York) Coverage, page 5 Water Back-up and Sump Overflow $15,000 on an aggregate annual limit basis, regardless of the number of locations or losses. Coverage, page 5 Fine Arts Coverage $10,000 for any one loss at each described premises. Coverage, page 5 Newly Acquired Or Constructed Property Buildings: $300,000 at each building; Building Personal Property: $250,000 at each building. Coverage, page 6 Personal Property Off- Premises $15,000 Coverage, page 6 Outdoor Property $10,000 unless a higher limit for Outdoor Property is shown in the Declarations, but not more than $2,500 for any one tree, shrub or plant. Coverage, page 6 Personal Effects $10,000 at each Described Premises. Coverage, page 6 Valuable Papers and Records $25,000 in any one occurrence at the described premises, unless a higher Limit Of Insurance is shown in the Declarations. $5,000 for a loss not at the described premises. Coverage, page 6 Accounts Receivable $25,000 in any one occurrence at the described premises, unless a higher Limit Of Insurance is shown in the Declarations. $5,000 for a loss not at the described premises. Coverage, page 6 Appurtenant Structures $50,000 for loss or damage in any one occurrence for any combination of loss or damage to Building and Business Personal Property. Coverage, page 6 Outdoor Signs $25,000 in any one occurrence unless a higher Limit of Insurance for Outdoor Signs is shown in the Declarations. Coverage, page 6 and 7 DocuSign Envelope ID: 15B0602D-9CE6-4ADE-83B6-C932B32B858E SM 04 04 01 18 Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2018 Blackboard U.S. Holdings, Inc. All Rights Reserved. May not be copied without permission. Page 3 of 9 COVERAGE LIMIT OF INSURANCE PAGE Money and Securities $10,000 Inside the Premises for “money” and “securities”; $10,000 Outside the Premises for “money” and “securities” while anywhere else. Coverage, Page 7 Employee Dishonesty $10,000 unless a higher Limit of Insurance is shown in the Declarations. Coverage, page 7 Property Definition - "Period of restoration" Paragraph a.(1)(a) is replaced as follows: (a) 48 hours after the time of direct physical loss or damage for Business Income Coverage; Coverage, page 7 Section II - 1. Business Liability - f. Coverage Extension Supplementary Payments $1,000 for the cost of bail bonds required because of accidents or traffic law violations; the cost of appeal bonds or bonds to release attachments, but only within limits of insurance; reasonable expenses incurred to assist in the investigation of the claim, including loss of earnings up to $500 per day for time away from work. Coverage, page 7 Contractual Liability for Personal Injury Deletes the contractual liability exclusion for personal injury coverage. Exclusion revision, page 7 Broad Form Additional Insured Automatically includes Additional Insureds when required by contract. Coverage, page 8 and 9 Waiver Of Transfer Of Rights Against Us Waives right of recovery we may have against entity because of payments made if there is a contract, executed prior to the loss requiring such waiver. Coverage, page 9 SECTION II - EXCLUSIONS Asbestos "Bodily injury', "property damage" or "personal and advertising injury" arising out of exposure or threat of exposure to asbestos in any form. Exclusion language, page 7 and 8 Nuclear Hazard Nuclear reaction or radiation or radioactive contamination however caused. Exclusion language, page 8 Fungi or Bacteria “Bodily injury”, "property damage" or "personal and advertising injury" from any actual, alleged or threatened contact, of any kind with "fungi" or bacteria within a building or structure including its contents, regardless of any other cause, event, material or product contributed concurrently... Exclusion language, page 8 DocuSign Envelope ID: 15B0602D-9CE6-4ADE-83B6-C932B32B858E SM 04 04 01 18 Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2018 Blackboard U.S. Holdings, Inc. All Rights Reserved. May not be copied without permission. Page 4 of 9 I. SECTION I – PROPERTY is amended as follows: A. Building Glass Coverage The following Building Glass Coverage is added to Section A. Coverage, 1. Covered Property: We will pay for direct physical loss of or damage to all glass that is part of a building or structure at the described premises owned by you. The amount we will pay for this additional coverage is included in the applicable Building Limit as set forth in Section C. Limits of Insurance of the policy. This coverage is in addition to Glass Expenses coverage provided under Paragraph n., Additional Coverages. B. Loss or Damage by Theft The following change is made to item c. in Section A. Coverage, 4. Limitations For loss or damage by theft, the applicable limits shown below apply, unless a higher Limit of Insurance is shown in the Declarations: (1) $5,000 for furs, fur garments and garments trimmed with fur. (2) $5,000 for jewelry, watches, watch movements, jewels, pearls, precious and semiprecious stones, bullion, gold, silver, platinum and other precious alloys or metals. (3) $10,000 for patterns, dies, molds and forms. C. Enhancements to Existing Additional Coverages The following changes are made to Section A. Coverage, 5. Additional Coverages: 1. Fire Department Service Charge Paragraph c. Fire Department Service Charge is amended to provide that we will pay up to a limit of $25,000, and that no deductible applies to this Additional Coverage. 2. Civil Authority Paragraph i. Civil Authority is amended to provide that the beginning and end of such coverage will be: a. Civil Authority Coverage for Business Income will begin 48 hours after the time of the first action of civil authority that prohibits access to the described premises and will apply for a period of six consecutive weeks from the date on which such coverage began. b. Civil Authority Coverage for Extra Expense will begin immediately after the time of the first action of civil authority that prohibits access to the described premises and will apply for a period of six consecutive weeks from the date on which such coverage began; or when your Civil Authority Coverage for Business Income ends, whichever is later. 3. Money Orders and “Counterfeit Money” Paragraph j. Money Orders and “Counterfeit Money” is amended to provide that the most we will pay for any loss under this Additional Coverage is $10,000. 4. Forgery Or Alteration Paragraph k. Forgery Or Alteration, Subparagraph (4) is amended to provide that the most we will pay for any loss, including legal expenses, under this Additional Coverage is $10,000, unless a higher Limit Of Insurance is shown in the Declarations. 5. Business Income From Dependent Properties Paragraph m. Business Income From Dependent Properties, Subparagraph (1) only is amended to provide that the most we will pay under this Additional Coverage is $10,000 unless a higher Limit of Insurance is shown in the Declarations. 6. Extinguisher Systems Recharge Expense Paragraph o. Fire Extinguisher Systems Recharge Expense is amended to provide that: a. The maximum distance from the described premises within which we will pay for the cost of recharging or replacing, whichever is less, your fire extinguishers and fire extinguishing systems(including hydrostatic testing if needed) if they are discharged is increased to 1,000 feet; and b. The most we will pay under this Additional Coverage is $25,000 in any one occurrence. DocuSign Envelope ID: 15B0602D-9CE6-4ADE-83B6-C932B32B858E SM 04 04 01 18 Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2018 Blackboard U.S. Holdings, Inc. All Rights Reserved. May not be copied without permission. Page 5 of 9 7. Electronic Data Paragraph p. Electronic Data, Subparagraph (3) only is amended to provide that the most we will pay under this Additional Coverage- Electronic Data, for all loss or damage sustained in any one policy year, regardless of the number of occurrences of loss or damage or the number of premises, locations or computer systems involved is $25,000, unless a higher Limit of Insurance is shown in the Declarations. This increased limit remains subject to the requirement that if loss payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent loss or damage sustained in, but not after, that policy year. With respect to an occurrence which begins in one policy year and continues or results in additional loss or damage in a subsequent policy year(s), all loss or damage is deemed to be sustained in the policy year in which the occurrence began. D. New Additional Coverages: The following coverages are added to Section A. Coverage, 5. Additional Coverages 1. Fire/Theft Reward (This coverage is not applicable in New York) a. We will pay for a reward for information leading to a felony conviction in connection with an occurrence that results in a fire or theft loss covered this policy up to the lesser of $10,000 or the dollar amount of the covered fire or theft loss. b. This limit for this reward applies regardless of the number of persons providing that information. For the purposes of this Additional Coverage, an occurrence means a single act or series of acts caused by one or more persons resulting in a covered fire or theft loss. This reward is not available to any person responsible in any way for the fire or theft loss or to the Named Insured. No deductible applies to this Additional Coverage. 2. Water Back-up and Sump Overflow We will pay for direct physical loss or damage to Covered Property covered under SECTION I- PROPERTY caused by or resulting from: a. Water or waterborne material which backs up through or overflows or is otherwise discharged from a sewer or drain; or, b. Water or waterborne material which overflows or is otherwise discharged from a sump, sump pump or related equipment, even if the overflow or discharge results from mechanical breakdown of a sump pump or its related equipment. However, we will not pay the cost of repairing or replacing a sump pump or its related equipment in the event of mechanical breakdown. The most we will pay for the coverage provided under this Additional Coverage is $15,000 on an annual aggregate limit, regardless of the number of locations or losses. If a Water Back-up and Sump Overflow scheduled endorsement is added to the policy this coverage will not apply. 3. Fine Art Coverage a. We will pay for direct loss or damage to Fine Art whether owned by you or others, and in your care, custody or control. b. Fine Art includes, but is not limited to, antiques, paintings, etchings, drawings, tapestries, sculptures and fragile property such as porcelains, china and marble. c. The most we will pay for loss in any one occurrence under this Additional Coverage is $10,000 at each described premises. Our payment for loss or damage to personal property of others will only be for the account of the owner of the property. The amount payable under this Additional Coverage is additional insurance over the insurance available for Business Personal Property. d. The value of Fine Art will be the least of the following amounts: (1) The actual cash value of that property; (2) The cost of reasonably restoring that property to its condition immediately before the loss; or, (3) The cost of replacing that property with substantially identical property. e. In the event of loss, the value of property will be determined as of the time of loss. DocuSign Envelope ID: 15B0602D-9CE6-4ADE-83B6-C932B32B858E SM 04 04 01 18 Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2018 Blackboard U.S. Holdings, Inc. All Rights Reserved. May not be copied without permission. Page 6 of 9 E. Enhancements to Existing Coverage Extensions The following changes are made to Section A. Coverage, 6. Coverage Extensions: 1. Newly Acquired Or Constructed Property Paragraph a. Newly Acquired Or Constructed Property, is amended to provide that: a. The most we will pay for loss or damage to Buildings under Subparagraph (1) of this Coverage Extension is $300,000 at each building. b. The most we will pay for loss or damage to Business Personal Property under Subparagraph (2) of this Coverage Extension is $250,000 at each building. c. The expiration date in Subparagraph (3)(b) is increased from 30 days to 60 days. 2. Personal Property Off-Premises Paragraph b. Personal Property Off-Premises is amended to provide that the most we will pay for loss or damage under this Coverage Extension is $15,000. 3. Outdoor Property Paragraph c. Outdoor Property is amended to provide that the most we will pay for loss or damage under this Coverage Extension is $10,000 unless a higher limit for Outdoor Property is shown in the Declarations, but not more than $2,500 for any one tree, shrub or plant. 4. Personal Effects Paragraph d. Personal Effects is amended to provide that the most we will pay for loss or damage under this Coverage Extension is $10,000 at each described premises. 5. Valuable Papers And Records Paragraph e. Valuable Papers and Records, Subparagraph (3) only, is amended to provide that the most we will pay under this Coverage Extension for loss or damage to “valuable papers and records” in any one occurrence at the described premises is $25,000, unless a higher Limit of Insurance for “valuable papers and records” is shown in the Declarations. For “valuable papers and records” not at the described premises, the most we will pay is $5,000. 6. Accounts Receivable Paragraph f. Accounts Receivable, Subparagraph (2) only, is amended to provide that the most we will pay under this Coverage Extension for loss or damage in any one occurrence at the described premises is $25,000, unless a higher Limit of Insurance for accounts receivable is shown in the Declarations. For accounts receivable not at the described premises, the most we will pay is $5,000. F. Coverage Extension - Appurtenant Structures The following coverage is added to Section A. Coverage, 6. Coverage Extensions: Appurtenant Structures (1) When there is a Building Limit of Insurance shown in the Declarations, you may extend the insurance provided by this policy for the described premises to apply to direct physical loss or damage caused by or resulting from a Covered Cause of Loss to Incidental Appurtenant Structures within 1,000 feet of the described premises. (2) When there is a Business Personal Property Limit of Insurance shown in the Declarations at the described premises, you may extend the insurance provided by this policy to apply to direct physical loss or damage caused by or resulting from a Covered Cause of Loss to Business Personal Property within Incidental Appurtenant Structures within 1,000 feet of the described premises. (3) Incidental Appurtenant Structures include storage buildings, carports, garages and similar structures which have not been specifically described in the Declarations. The most we will pay for loss or damage under this Coverage Extension in any one occurrence for any combination of loss or damage to Building and Business Personal Property is $50,000. G. Limits of Insurance – Outdoor Signs The following change is made to Section C. Limits of Insurance: Paragraph 2. is amended to provide that the most we will pay for loss or damage to outdoor signs, whether or not the sign is attached to a building, is $25,000 per sign in any one occurrence. DocuSign Envelope ID: 15B0602D-9CE6-4ADE-83B6-C932B32B858E SM 04 04 01 18 Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2018 Blackboard U.S. Holdings, Inc. All Rights Reserved. May not be copied without permission. Page 7 of 9 H. Enhancements To Optional Coverages The following changes are made to Section G. Optional Coverages: 1. Outdoor Signs Paragraph d. of 1. Outdoor Signs is amended to provide that the most we will pay for loss or damage in any one occurrence is $5,000, unless a higher Limit of Insurance for Outdoor Signs is shown in the Declarations. 2. Money and Securities Paragraph c.(1) and c.(2) of 2. Money and Securities is amended to provide that the most we will pay for loss or damage in any one occurrence is $10,000, unless a higher Limit of Insurance is shown in the Declarations. 3. Employee Dishonesty Paragraph c. of 3. Employee Dishonesty is amended to provide that most we will pay for loss or damage in any one occurrence is $10,000, unless a higher Limit of Insurance for Employee Dishonesty is shown in the Declarations. I. Property Definitions Section H. Property Definitions, Subparagraph a.(1)(a) of Definition 9. “Period of restoration” is deleted and replaced with by the following: (a) 48 hours after the time of direct physical loss or damage for Business Income Coverage; or II. SECTION II – LIABILITY is amended as follows: A. The following change is made to A. Coverages: Paragraph (1), sections (b), (c) and (d) of Subparagraph f. Coverage Extension-Supplementary Payments of Paragraph 1. Business Liability, are deleted and replaced by the following: (b) Up to $1,000 for the cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which Business Liability Coverage for “bodily injury” applies. We do not have to furnish these bonds. (c) The cost of appeal bonds or bonds to release attachments, but only for bond amounts within our Limit of Insurance. We do not have to furnish these bonds. (d) All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or “suit”, including actual loss of earnings up to $500 per day because of time off from work. B. The following changes are made to B. Exclusions, Paragraph 1. Applicable To Business Liability Coverage: 1. Contractual Liability for Personal Injury Subparagraph (4) of Exclusion p. Personal and Advertising Injury is replaced by the following: (4) Arising out of an offense defined in Subparagraph f. (use of another’s advertising idea in your “advertisement") or g. (infringing upon another’s copyright, trade dress or slogan in your “advertisement”) of Section F. Liability And Medical Expenses Definitions, Definition 14., “Personal and advertising injury”, for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement. 2. The following exclusions are added: a. Asbestos (1) “Bodily injury”, “property damage” or “personal and advertising injury” arising out of any actual or alleged exposure to asbestos or asbestos containing materials, including the mere presence of asbestos in any form. (2) Any damages, judgments, settlements, loss costs or expenses that: (a) May be awarded or incurred by reason of any claim or “suit” alleging actual or threatened injury or damage of any nature or kind to persons or property which would not have occurred in whole or in part but for the presence of asbestos; DocuSign Envelope ID: 15B0602D-9CE6-4ADE-83B6-C932B32B858E SM 04 04 01 18 Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2018 Blackboard U.S. Holdings, Inc. All Rights Reserved. May not be copied without permission. Page 8 of 9 (b) Arise out of any request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, cleanup, remove, encapsulate, contain, treat, detoxify or neutralize or in any way respond to or assess the effects of an asbestos presence; or (c) Arise out of any claim or “suit” for damages because of testing for, monitoring, cleaning up, removing, encapsulating, containing, treating, detoxifying or neutralizing or in any way responding to or assessing the effects of an asbestos presence. b. Nuclear Hazard Bodily injury”, “property damage” or “personal and advertising injury” arising out of any nuclear reaction or radiation or radioactive contamination, however caused. But if nuclear reaction or radiation, or radioactive contamination, results in fire, we will pay for “bodily injury” or “property damage” caused by the fire. c. Fungi or Bacteria (1) “Bodily injury”, “property damage” or “personal and advertising injury” arising out of the actual, alleged or threatened inhalation of, ingestion of or presence of any “fungi” or bacteria within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any way or sequence to such injury or damage. (2) Any loss, cost or expenses arising out of the abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of , or in any way responding to, or assessing the effects of, “fungi” or bacteria, by any insured or by any other person or entity. C. Broad Form Additional Insured The following is added to C. Who Is An Insured: 1. Each of the following is also an insured: Any person or organization with whom you have agreed in a written contract, written agreement or written permit that such person or organization be added as an additional insured on your policy under SECTION II - LIABILITY. Such person or organization is an additional insured only with respect to liability for "bodily injury" or "property damage" caused by an “occurrence” first taking place after the effective date of the contract, agreement or permit, and caused in whole or in part, by: a. Your ongoing operations performed for that person or organization, "your product," or premises owned or used by you; however this provision does not include any architects, engineers, or surveyors with respect to any injury or damage arising out of the rendering or failure to render any professional services by or for you, including: (1) The preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (2) Supervisory, inspection, architectural or engineering activities. b. Your maintenance, operation or use of equipment, other than aircraft, "auto" or watercraft, rented or leased to you by such person or organization. A person or organization's status as an additional insured under this endorsement ends when their written contract or written agreement with you for such rented leased equipment ends. With respect to the insurance afforded to these additional insureds, this insurance does not apply to any "occurrence" which takes place after the rental agreement or equipment lease expires. c. "Bodily injury" or "property damage" arising out of "your products" which are distributed or sold in the regular course of that person's or organization's business, however the insurance afforded that person or organization does not apply to: (1) "Bodily injury" or "property damage" for which that person or organization is obligated to pay damages by reason of the assumption of liability in a contract or agreement; however this exclusion does not apply to liability for damages that person or organization 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 that person or organization; DocuSign Envelope ID: 15B0602D-9CE6-4ADE-83B6-C932B32B858E SM 04 04 01 18 Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2018 Blackboard U.S. Holdings, Inc. All Rights Reserved. May not be copied without permission. Page 9 of 9 (4) Repackaging, unless 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 that person or organization has agreed to make or normally undertakes to make in the usual course of business in connection with the sale of the product; or (6) Products which, after distribution or sale by you, have been labeled or re-labeled or used as a container, part of ingredient of any other thing or substance by or for that person or organization; however this insurance does not apply to any insured person or organization, from who you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products. The coverage afforded to an additional insured under this Paragraph 3. is subject to the following: a. The Limits of Insurance provided will be the lesser of: (1) The Limits of Insurance shown in the Declarations; or (2) The Limits of Insurance you are required to provide under the written contract, written agreement or written permit. b. This coverage will be excess with respect to the person or organization included as an additional insured by its provisions; any other insurance that person or organization has will be primary with respect to this insurance, unless this coverage is required to be primary and not contributory in the written contract, written agreement or written permit. c. This coverage does not apply unless the written contract or written agreement has been executed (executed means signed by the named insured and additional insured) or written permit issued prior to “occurrence” giving rise to the "bodily injury" or "property damage". D. Waiver of Transfer of Rights Against Others To Us The following is added to Paragraph K. Transfer Of Rights Of Recovery Against Others To Us in SECTION III – COMMON POLICY CONDITIONS: We waive any right of recovery we may have against the person or organization because of payments we make under SECTION II – LIABILITY for injury or damage arising out of your ongoing operations or “your work” done under a contract with a person or organization and included in the “products- completed operations hazard”, provided the contract is effective prior to the “occurrence” giving rise to the injury or damage. All other terms and conditions of the policy remain unchanged. DocuSign Envelope ID: 15B0602D-9CE6-4ADE-83B6-C932B32B858E BP 04 50 07 13 © Insurance Services Office, Inc., 2012 Page 1 of 2 POLICY NUMBER: ORRINS00001HIBP-39076-03 BUSINESSOWNERS BP 04 50 07 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM SCHEDULE Name Of Additional Insured Person(s) Or Organization(s) Location(s) Of Covered Operations City Of Menifee Murrieta 144 Apartments L.P. and Realty Center ManagementInc Temecula Ridge, LP, TR TIC Holding Ltd., and Information required to complete this Schedule, if not shown above, will be shown in the Declarations. Section II – Liability is amended as follows: A.The following is added to Paragraph C. Who Is An Insured: 3.Any person(s) or organization(s) shown in the Schedule is also an additional insured, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by: a.Your acts or omissions; or b.The acts or omissions of those acting on your behalf; in the performance of your ongoing operations for the additional insured(s) at the location(s) designated above. However: a.The insurance afforded to such additional insured only applies to the extent permitted by law; and b.If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B.With respect to the insurance afforded to these additional insureds, the following additional exclusions apply: This insurance does not apply to "bodily injury" or "property damage" occurring after: 1.All work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured(s) at the location of the covered operations has been completed; or 2.That portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. C.With respect to the insurance afforded to these additional insureds, the following is added to Paragraph D. Liability And Medical Expenses Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1.Required by the contract or agreement; or DocuSign Envelope ID: 15B0602D-9CE6-4ADE-83B6-C932B32B858E BP 04 50 07 13 © Insurance Services Office, Inc., 2012 Page 2 of 2 2.Available under the applicable Limits Of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits Of Insurance shown in the Declarations. DocuSign Envelope ID: 15B0602D-9CE6-4ADE-83B6-C932B32B858E