Loading...
2022/10/01 A.M. Ortega Construction, Inc.,-\ -A<:()RI)" COVERAGES CERTIFICATE OF LIABILITY INSURANCE CERTIFICATE NUMBER: 940325909 REVISION NUMBER 9t2212422 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 AMENO, EXTEND OR ALTER THE COVERAGE AFFORDEO BY THE POLICIES BELOW, THIS CERTIFICATE OF INSURANCE OOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: lf the ce.tificate holder is an ADDITIONAL INSURED, the policy(ios) must have ADOITIONAL INSURED provisions or be endorsed. It SUBROGATION lS WAIVED, subject to the terms and conditions of the policy, cefiain policies may require an endorsement. A statement on this cortificate does not conter rights to the certificate holder in ligu of such endorsement(s). Alliant lnsurance Services lnc 701 B Street 6th floor San Diego CA 92101 INSURED A.M Orteqa Construction, 10125 Channel Road Lakeside CA 92040 Lrcensef 0O36861 AMORTEG,O2 lnc iR$Il"t a."no" c".tltto. ctsn lJ3lfi. e,r, (eos) rzr szzs E.MAILaDoRESS. Amanoa Lasllllo@al ranl Com INSURER B ]NSURER E INSURER(S)AFFORDI'IG COVERAGE Executive Risk llllElrldE lnc Federal lnsurancqcolnpany 35181 202A1 + THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTEO BELOW HAVE BEEN ISSUEO TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED NOTWTHSTANDING ANY REOUIREIIENT TERM OR CONOITION OF ANY CONTRACT OR OTHER DOCUMENT WTH RESPECT TO l /UICH THIS CERTIFICATE IIIAY 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 SHO\A/I.I IIiIAY HAVE BEEN REDUCED BY PAID CLAII\iIS. 'lffl TypEoFrNsuRANcE i"""%ti[T "o.,""uru"." ,fifi,gBllit", ,fi9BBIrt{- LrMrrs EACHOCCI]RRENCET-'IEFCEI-FtrNTFT) PREM sES (Ea occurrence) MED ExP (Any on6 person) PERSONAL A AOV INJURY GENERI.L AGGREGAT€ PROOUCTS COMP/OPAGG DEDUC'TIBLE $ 1 000.000 $ 100 000 $ 1.000.000 $ 2.000 000 52.000 000 5 5.000 54303214 1011t2022X OTNER 101112023COMi]IERCIAL GENERAL TIABILIIY currus vaoe X occun GEN L AGGREGAIE LIM T APPL]ES PER oor." x !3& Loc COMBINEDSNGLELMT BOD LY NJUFY (Per pe6on) BOD LY INJURY (PEI ACCLdE'I) PROPERTY DAMAGE s I 000 000543032r 3 s s sXx 10t112022 1011/2023 SCHEDULED AUIOS NON,OWNEDAUIOS ONLY AUTOMOBILELIABILITY OWNEO AUTOS ONLY I]IREDAUIOS ONLY UMBRELLALIAB OCCI]R EXCESS uA8 cLAtMS MAOE DED RETENTION S S 5 EACUOCCURRENCE ACGREGATE !!!L000 1.000 000 IIIORKERS COIIPENSATION AI.ID EMPLOYERS' LIABILITY ANYPROPRIETOR/PARTNER/EXEClJTIVE OFFICER/MEMBER EXCLIJOED? Df scR PT oN oF oPFRAT oN< h.* EACA ACC DENT OISEASE EAEMPLOYEE DISEASE POLCY LMIT EL J! EL 54303215 oTu1ont2o2z rorlzozr x !ff;1,,15 D€SCRIPiON OF OPERAnONS / LOCATION S / VEHTCLES IACORD 10r, Addraon.li.mrl. Sch.dur., ruybe.r..h.d lrooE ip...r. r€quiEd) Rer Encroachment Permit City of Menifee is included as Additional lnsured CERTIFICATE HOLDER CANCELLAIION City of Menifee Engineering Department 29844 Haun Road Menifee CA 92586 SHOULO ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATIOI'I OATE THEREOF, NO]ICE WILL BE DELIVERED lN ACCOROANCE WITH THE POLICY PROVISIONS. AUTHORIZED REP RESE N TATIVE -?\ O 1988-2015 ACORD CORPORATION. Allrights reserved The ACORD name and logo are registered marks oI ACORDACORD 25 (2016/03) f] rre POLICY NUMBER 54303214 COMi'ERCIAL GENERAL LIABILITY cG 20 10 12 19 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE REAO IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional lnsured Person(s) Or Organization(s)Location(s) Of Covered Operations WHERE REQUIRED BY VIRITTEN CONTRACI AIL LOCATIONS WHERE REQUIRED BY WRITTEN CONTRACT lnformation required to complete this Schedule, if not shown above, will be shown in the Declarations A. Ssction ll - Who ls An lnsured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for'bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by: 1. Your acts or omissions; or 2. The acts or omissions of thoso acting on your behalf; in the performance of your ongoing operations forthe additional insured(s) at the location(s) designated above. However: 1. The insurance atforded to such additional insured only applies to the extent permitted by law; and 2. lf 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 agrsement 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 prolect (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured(s) at the location of lhe covered operations has been completed; or 2. That portion of "your work" out of which the injury or damage arises has been pul lo 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. cG 20 10 't2 19 O lnsurance Services Office, lnc., 2018 Page 1 ot 2 POLICY NUMBER: 54303274 COMMERCIAL GENERAL LIABILITY cG 20 12 04 t3 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION - PERMITS OR AUTHORIZATIONS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE State Or Governmental Agency Or Subdivision Or Political Subdivision WIIERE REQUIRED BY WRITTEN CONTB,ACT lnformation required to complete this Schedule, if not shown above, will be shown in the Declarations A. Soction ll - Who ls An lnsured is amended to include as an additional insured any stale or governmental agency or subdivision or political subdivision shown in the Schedule, subject to the following provisions: 1. This insurance applies only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a permit or authorization. However: a. The insurance afforded to such additional insured only applies to the extent permitted by lawi and b. lf coverage provided to the additional insured is required by a contract or agreement, the insurance atforded 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. 2. This insurance does not apply to: a. "Bodily injury", "property damage" or "personal and advertising injury" arising outof operations performed for the federal government, state or municipality; or b. "Bodily injury" or "property damage" included within the "products-completed operations hazard". B. With respect to the insurance afforded to these additional insureds, the following is added to Section lll - Limlts Of lnsurance: lf 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 2. Available under the applicable Limits of lnsurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of lnsurance shown in ths Declarations. cG 20 12 04 13 @ lnsurance Services Office, !nc.,2012 Page 1 of 1 C. With respect to the insurance afforded to these additional insureds, the following is added to Section lll - Limits Of lnsurance: lf 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 2. Available under the applicable limits of insurance; whichever is less. This endorsement shall not increase the applicable limits of insurance. Page 2 ol 2 @ lnsurance Services Office, lnc., 2018 cG 20 1012 19 POLICY NUMBER: 54303214 COMMERCIAL GENERAL LIABILITY cG 20 37 12 19 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED _ OWNERS, LESSEES OR CONTRACTORS - COMPLETED OPERATIONS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name Of Additional lnsured Person(s) Or Organlzatlon(s)Location And Description Of Completed Operations WIIEF.E REQUIRED BY T{RITTEN CONTRACT, BUT ONLY 9IHEN TIIE CONTRACT SPECIFIES COVERAGE EOR COMPLETED OPERATIONS AII LOCATIONS WHERE REQUIRED BY IIRITTEN CONTF,ACT lnformation required to complete this Schedule, if not shown above, will be shown in the Oeclarations A. Section ll - Who ls An lnsured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for 'bodily injury" or "property damage'caused, in whole or in part, by "your work" at the location designated and described in the Schedule of this endorsement performed for that additjonal insured and included in the "products-completed operations hazatd". However: 1. The insurance afforded to such additional insured only applies to the extenl permitted by law; and 2. lf coverage provided to the additional insured is required by a contracl or agreement, lhe insurance afforded to such additional insured will not be broader lhan 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 is added to Section lll - Limits Of lnsurance: lf 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 2. Available under the applicable Limits of lnsurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of lnsurance shown in the Declarations. cG 20 37 ',tz ',tg @ lnsurance Services Office, !nc.,2012 Page 1 of 'l POLICY NUMBER, 54303274 COUMERCIAL GENERAL LIABILITY cG 25 03 05 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESTGNATED CONSTRUCTION PROJECT(S) GEN ERAL AGGREGATE LIMIT Designated Construction Project(s): ALL OF YOUR DESIGNATED CONSTRUCTION PROJECTS WHERE REQUIRED BY CONTRACT lnformation required to complete this Schedule, if not shown above, will be shown in the Oeclarations A. For all sums which the insured becomes legally obligated to pay as damages caused by "occur- rences" under Section I - Coverage A, and for all medical expenses caused by accidents under Section I - Coverage C, which can be attributed only to ongoing operations at a single designated construction project shown in the Schedule above: 1. A separate Designated Construction Project General Aggregate Limit applies to each des- ignated construction project, and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. 2. The Designated Construction Project General Aggregate Limit is the most we will pay for the sum of all damages under Coverage A, ex- cept damages because of "bodily injury" or "property damage" included in the ''products- completed operations hazard", and for medi- cal expenses under Coverage C regardless of the number of: a. lnsureds; b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits". 3. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the Designated Con- struction Project General Aggregate Limit for that designated conslruction project. Such payments shall not reduce the General Ag- gregate Limit shown in the Declarations nor shall they reduce any other Designated Con- struction Project General Aggregate Limit for any other designated construction project shown in the Schedule above. 4. The limits shown in the Declarations for Each Occurrence, Damage To Premises Rented To You and Medical Expense continue lo apply. However, instead of being subject to the General Aggregate Limit shown in the Decla- rations, such limits will be subject to the appli- cable Designated Construction Project Gen- eral Aggregate Limit. cG 25 03 05 09 O lnsurance Services Office, lnc., 2008 Page'l ol 2 tr This endorsement modifies insurance provided under the following: COMI\4ERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE B. For all sums which the insured becomes legally obligated to pay as damages caused by "occur- rences" under section l- coverage A, and for all medical expenses caused by accidents under Section l- Coverage C, which cannot be at- tributed only to ongoing operations at a single designated construction project shown in the Schedule above: '1. Any payments made under Coverage A for damages or under Coverage c for medical expenses shall reduce the amount available under the General Aggregate Limit or the Products-completed Operations Aggregate Limit, whichever is applicable; and 2. Such payments shall not reduce any Desig- nated Construction Project Ganeral Aggre- gate Limit. C. When coverage for liability arising out of the ''products-compleled operations hazard" is pro- vided, any payments for damages because of "bodily injury" or "property damage" included in the "products-completed operations hazard" will reduce the Products-completed Operations Ag- gregate Limit, and not reduce the General Ag- gregate Limit nor the Designated Construction Project General Aggregate Limit. D. lf the applicable dosignated construction projecl has been abandoned, delayed, or abandoned and then restarted, or if the authorized conlract- ing parties deviate from plans, blueprints, de- signs, specifications or timetables, the project will still be deemed to be the same construction pro- ject. E. The provisions of Section lll - Limits Of lnsur- ance not otherwise modifled by this endorsement shall continue to apply as stipulated. @ lnsurance Services Office, lnc.,2008 cG25030509 trPage 2 ol 2 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY INSURANCE FOR SCHEDULED ADDITIONAL INSURED This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDUTE Additional lnsured:Location Of Covered Operations: ATL LOCATIONSWITERE REQUIRED BY TIRITTEN CONTRACT (lf no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) POLICYNUMBER: 54303274 With respect only to the Additional lnsured and at the Location Of Covered Operations shown in the Schedule, the following is added to SECTION lV - COMMERCIAT GENERAT LIABITIW CONDITIONS, Paragraph 4.Other lnsuranceand supersedes any provision to thecontrary: Primary And Noncontributory lnsurance This insurance is primary to and will not seekcontribution from any other insuranc€ available to the Additional lnsured with respect to the Location Of Covered Operations shown in the Schedule under thispolicyprovided that: COi,IMERCIAL GENERAL LIABILITY ,t 0 -02-246't (Ed. 7-1 5) (1) The Additional lnsured is a named insuredunder such other insurance; and (2) You have agreed in writing in a contract oragreement that this insurance would beprimary and would not seek contributionfrom any other insu rance availa ble to theAdditional lnsured. '10-02-2461 (Ed. 7-15) lncludes copyrighted material of lnsurance Services office, lnc., with its permission. Page I of 1 POLICY NU MBER: 54303213 COMMERCIAL AUTOMOBILE THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY. COMMERCIAL AUTOMOBILE BROAD FORM ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM This endorsement modifles the Business Auto Coverage Form1, EXTENDED CANCELLATION CONDITION Paragraph A.2.b. - CANCELLATION - of the COMMON POLICY CONDITIONS form lL 00 17 is deleted and replaced with the following:b. 60 days before the effective date of cancellation if we cancel for any other reason.2. BROAD FORM INSUREO A. Subsidiaries and Newly Acqulred or Formed Organizations As lnsureds The Named lnsured shown in the Declarations is amended to includel 1. Any legally incorporated subsidiary in which you own more than 50o/o of the voting stock on the effective date of the Coverage Form. However, the Named lnsured does not include any subsidiary that is an "insured' under any other automobile policy or would be an "insured" under such a policy but for its termination or the exhaustion of its Limit of lnsu rance,2. Any organization that is acquired or formed by you and over which you maintain majority ownership. However, the Named lnsured does not include any newly formed or acquired organization: (a) That is an "insured" under any other automobile policy; (b) That has exhausted its Limit of lnsurance under any other policy; or (c) '180 days or more afler its acquisition or formation by you, unless you have given us written notice of the acquisition or formation. Coverage does not apply to "bodily injun/ or "property damage" that results from an "accident" that occurred before you formed or acquired the organization. B. Employees as lnsureds Paragraph A.1. - WHO lS AN INSURED - of SECTION ll - LIABILITY COVERAGE is amended to add the following:d. Any'employee" of yours while using a covered "auto'you don't own, hire or borrow in your business or your personal affairs.C. Lessors as lnsurods Paragraph A.1. - WHO lS AN INSURED - of SECTION ll- LIABILITY COVERAGE is amended to add the following:e. The lessor of a covered "auto" while the "auto" is leased to you under a written agreement if: (1) The agreement requires you to provide direct primary insurance for the lessori and (2) The "auto" is leased without a driver. Such leased "auto'will be considered a covered "auto" you own and not a covered "auto" you hire, However, the lessor is an "insured" only for "bodily injuqy''or "property damage" resulting from the acts or omissions by:'1. You:2. Any of your "employees" or agents; or3. Any person, except the lessor or any "employee" or agent of the lessor, operating an 'auto" with the permission of any of 1, and/or 2. above.D. Persons And Organizations As lnsureds Under A Written lnsuied Contract Paragraph A. l - WHO lS AN INSURED - of SECTION ll - LIABILITY COVERAGE is amended to add the following:f. Any person or organization with respecl to the operation, maintenance or use of a covered "auto", provided that you and such person or organization have agreed under an express provision in a wriften "insured contract", written agreement or a written permit issued to you by a governmental or public authority to add such person or organization to lhis policy as an "insured". However, such person or organization is an "insured" only: Form: 16-02-0292 (Rev. '1 1-16) Page I of 3 "lncludes copyrighted material of lnsurance Services Office, lnc. with its permission" (1) with respect to the operation, maintenance or use of a covered "auto"; and (2) for "bodily injury" or "property damage" caused by an 'accident" which takes place after: (a) You executed the "insured contract" or writlen agreement; or (b) The permit has been issued to you.3. FELLOW EMPLOYEE COVERAGE EXCLUSION B.5. - FELLOW EMPLOYEE of SECTION ll - LIABILITY COVERAGE does not apply.4. PHYSICAL DAMAGE - ADDITIONAL TEMPORARY TRANSPORTATION EXPENSE COVERAGE Paragraph A.4.a. - TRANSPORTATION EXPENSES - of SECTION lll- PHYSICAL DAMAGE COVERAGE is amended to provide a Iimit of $50 per day for temporary transportation expense, subject to a maximum limit of $1 ,000.5. AUTO LOAN/LEASE GAP COVERAGE Paragraph A. 4. - COVERAGE EXTENSIONS - of SECTION lll- PHYSICAL DAMAGE COVERAGE is amended to add the following: c. Unpaid Loan or Lease Amounts ln the event of a total "loss" to a covered "auto'', we will pay any unpaid amount due on the loan or lease for a covered "auto" minus:1. The amount paid underthe Physical Damage Coverage Section of the policy; and2. Any:a. Overdue loan/lease 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 lessor:d. Costs for extended warranlies, Credit Life lnsurance, Health, Accident or Disability lnsurance purchased with the loan or leasei ande. Carry-over balances from previous loans or leases. We will pay for any unpaid amount due on the loan or lease if caused by:1. Other than Collision Coverage only if the Declarations indicate that Comprehensive Coverage is provided for any covered "auto": 2. Specified Causes of Loss Coverage only if the Declarations indicate that Specified Causes of Loss Coverage is provided for any covered "auto"; or3. Collision Coverage only if the Declarations indicate that Collision Coverage is provided for any covered "auto. 6. RENTAL AGENCY EXPENSE Paragraph A. 4. - COVERAGE EXTENSIONS - of SECTION III _ PHYSICAL DAMAGE COVERAGE is amended to add the following: d. Rental Expenso We will pay the following expenses lhat you or any of your "employees" are legally obligated to pay because of a writlen contract or agreement entered into for use of a rental vehicle in the conducl of your business: MAXIMUI\,4 WE WILL PAY FOR ANY ONE CONTRACT OR AGREEMENT: 1 . $2,500 for loss of income incurred by the rental agency during the period of time that vehicle is out of use because of actual damage to, or "loss" of, that vehicle, including income lost due to absence of that vehicle for use as a replacement,2. $2,500 for decrease in trade-in value of the rental vehicle because of actual damage to that vehicle arising out of a covered "loss"; and3. $2,500 for adminislrative expenses incurred by the rental agency, as stated in the contract or agreement.4. $7,500 maximum total amount for paragraphs 1..2. and 3. combined.7. EXTRA EXPENSE - BROADENED COVERAGE Paragraph A.4. - COVERAGE EXTENSIONS - of SECTION III _ PHYSICAL DAMAGE COVERAGE is amended to add the following:e. Recovery Expense We will pay for the expense of returning a stolen covered "auto" to you. 8. AIRBAG COVERAGE Paragraph 8.3.a. - EXCLUSIONS - of SECTION lll - PHYSICAL DAMAGE COVERAGE does not apply to the accidental or unintended discharge of an airbag. Coverage is excess over any other collectible insurance or warranty specifically designed to provide this coverage.9. AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT . BROADENED GOVERAGE Paragraph C.1.b. - LIMIT OF INSURANCE - of SECTION lll- PHYSICAL DAMAGE is deleted and replaced with the following: b. $2,000 is the most we will pay for "loss" in any one "accident" to all electronic equipment that reproduces, receives or transmits audio, visual or data signals which, at the time of "loss", is: (1) Permanently inslalled in or upon the covered "auto" in a housing, op€ning or other location that is not normally used by the "auto" manufacturer for the installation of such equipment; (2) Removable from a permanently installed housing unit as described in Paragraph 2.a. above or is an integral part of that equipment; or (3) An integral part of such equipment. IO. GLASS REPAIR _ WAIVER OF DEDUCTIBLE Form: 16-02-0292(Rev. 11-16) Page2of3 "lncludes copyrighted material of lnsurance Services Office, lnc. with its permission" Under Paragraph O. - DEOUCTIBLE - of SECTION III_ PHYSICAL DAMAGE COVERAGE the following is added: No deductible applies to glass damage if the glass is repaired rather lhan replaced. 11. TWO OR MORE OEDUCTIBLES Paragraph D.- DEDUCTIBLE - of SECTION lll - PHYSICAL DAI\,4AGE COVERAGE is amended to add the following: lf this Coverage Form and any other Coverage Form or policy issued to you by us that is not an aulomobile policy or Coverage Form applies lo the same "accident", the iollowing applies:1. lf the deductible under this Business Auto Coverage Form is the smaller (or smallest) deductible, it will be waivedi or2. lf the deductible under this Business Auto Coverage Form is not the smaller (or smallest) deductible, it will be reduced by the amount of the smaller (or smallest) deductible. 12. AMENDED DUTIES IN THE EVENT OF ACCIDENT, CLAIM, SUIT OR LOSS Paragraph A.2.a. - DUTIES lN THE EVENT OF AN ACCIDENT, CLAIM, SUIT OR LOSS of SECTION lV - BUSINESS AUTO CONDITIONS is deleted and replaced with the following:a- ln the event of'accident", claim, "sui('or "loss", you must promptly notify us when the "accident" is known lo: (1) You or your authorized representative, if you are an individual; (2) A partner, or any authorized representative, if you are a partnership; (3) A member, if you are a limited liability company; or (4) An executive otficer, insurance manager, or authorized representative, if you are an organization other than a partnership or limited liability company. Knowledge of an "accident", claim, "suit" or "loss" by other persons does not imply that the persons listed above have such knowledge. Notice to us should include: (1) How, when and where lhe 'accident" or "loss" occurred; (2) The "insured's" name and address; and (3) To the extent possible, the names and addresses of any injured persons or witnesses. 13. WAIVER OF SUBROGATION Paragraph A.5. - TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US of SECTION lV - BUSINESS AUTO CONDITIONS is deleled and replaced with the following:5. We will waive the right of recovery we would otherwise have against another person or organization for "loss" to which this insurance applies, provided the "insured" has waived their rights of recovery against such person or organization under a contract or agreement that is entered into before such "loss". To the extent that the "insured's" rights to recover damages for all or part of any payment made under this insurance has not been waived, those rights are transferred to us. That person or organization must do eveMhing necessary to secure our rights and must do nothing after "accident' or "loss" to impair them. At our request, the insured will bring suit or transfer those rights to us and help us enforce them. 14. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS Paragraph B.2. - CONCEALMENT, MISREPRESENTATION or FRAUD of SECTION lV - BUSINESS AUTO CONDITIONS - is deleted and replaced with the following: lf you unintentionally fail to disclose any hazards existing at the inception date of your policy, we will not void coverage under this Coverage Form because of such failure. 15. AUTOS RENTED BY EMPLOYEES Paragraph 8.5. - OTHER INSURANCE of SECTION IV _ BUSINESS AUTO CONDITIONS. is amended to add the following:e. Any "auto" hired or rented by your "employee" on your behalf and at your direction will be considered an "auto" you hire. lf an "employee's" personal insurance also applies on an excess basis to a covered "auto" hired or rented by your "employee" on your behalf and at your direction, this insurance will be primary to the "employee's' personal insurance. 16. HIRED AUTO - COVERAGE TERRITORY Paragraph 8.7.b.(5). - POLICY PERIOD, COVERAGE TERRITORY of SECTION lV - BUSINESS AUTO CONOITIONS is deleted and replaced with the following: (5) A covered ,auto" of the private passenger type is leased, hired, rented or borrowed without a driver for a period of 45 days or less: and 17. RESULTANT MENTAL ANGUISH COVERAGE Paragraph C. of - SECTION V - DEFINITIONS is deleted and replaced by the following: "Bodily injury" means bodily injury, sickness or disease sustained by any person, including mental anguish or death as a result of the 'bodily injury" sustained by that person. Form: 16-02-0292 (Rev. 11-'16) Page 3 of 3 "lncludes copyrighted material of lnsurance Services Office, lnc. with its permission" POLICYNUMBER: 54303213 COMMERCIAL AUTO 16-{'2-0316 Ed. t014 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NON-CONTRIBUTORY LIABILITY INSURANCE This endorsement modifies insurance provided under the followinq BUSINESS AUTO COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named lnsured: A.M. Ortega Construction, lnc. Endorsement Effective Oate: 101'l 12022 SCHEDULE Name(s) Of Person(s) Or Organization(s): WHERE REQUIREO BY WRITTEN CONTRACT lnformation required to complete this Schedule, if not shown above, will be shown in the Declarations. The following is added to ltem 5. - "Other lnsurancc" of ltem B. - "General Condltlons" under Section lV - "Business Auto Conditions": e. Regardless of the provisions of Paragraph 5.a. through d. above, fof any liability arising out of the ownership, maintenance, use, rental, lease, loan, hire or borrowing by an 'insured" of a covered "auto" for which an "insured" is contractually obligated to provide pnmary insurance coverage to a client, this Coverage Form will be primary and non-contributory with respect to the Persons or Organizations in the schedule, regardless of the availability or existence of other collectible insurance under any other Coverage Form or policy that applies on a primary basis. 16-02-0316 Ed. t0 t4 Page 1 of 1