2022/06/01 Bio-Tox Laboratories, Inc.ACA}f
COVERAGES
CERTIFICATE OF LIABILITY INSURANCE
CERTIFICATE NU BER: 555?{9?2 REVISIOI{ UMBER:
ELLATION
@ 1988.2015 ACORO CORPORATION. All .lght! .ot.rvod.
Th. ACORO nlna rnd lolo !r. r.gLlor.d mr.t. ofACORO
friiffs&
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THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTEO BELOW HAVE EEEN SSUED TO THE INSUREO NAMED ASOVE FOR THE POLICY PERIOD
INoICATEO. NOIWITHSTANDING ANY REQUIREMENT, IERM OR CONDITION OF ANY CONTRACT OR oTHER OOCUI',IENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY 8E ISSUED OR MAY PERTAIN. THE INSURANCE AFFOROED BY THE POLICIES DESCRIEED HEREIN IS SUBJECT TO ALL TIIE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES, LIMITS SHOY'/N MAY HAVE BEEN REDUCED BY PAIO CLAIMS.
x COMI{ERCIAL OEI{ERAL LIABILIIY
x
x BIIPD D.d! 2,500
x Retro rrar.: 10/1/ 17
GENl AGGREGATE LrMII APPLIES PERI
x -.,"'!ffi [.0.
r,sc8{ 62 0 5 06/o!/22 06t07/23 EACHOCCURRENCE r 2,000,000
OAMAGE TO RENTEOPREM SES lE. o-urcnc)t 50,000
MEo ExP (Any o.. p.M)t 5,000
PERSONAL A AOV INJURY
PROOUCTS. COMP/OP AGG
t 1,000, 000
t c@blnoalAgg
3 Co6blE6dlgo
I {,000,000
B AUTO OAILELIAEIIITY
x
OI,INED
AU'IOSONLY
HIRED
AUTOS OI{LY
SCNEOULEO
x x AUTOS ONLY
Bts2357312750 06t07/22 05/07t23 COMBINED SINGLE LIMIT I 1,000,000
gOolLY TNJURY (P, p6ll@)$
BOoILY INJURY (Pr .6il.i0 I
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OCCUR
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CERTIFICATE HOLOER
ACORO 25 (20r6/03)
OB!Erqgan- lE
5567A972
o5/31/2022
THIS CERTIFICATE lE |88UED AS A MATTER OF INFORI'IATION ONLY ANo CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRTIATIVELY OR NEGATIVELY AIIEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
BELOW. TH|S CERr|FTCATE OF INSURANCE DOES NOT CONST|rUTE A CONTRACT BETWEEN THE rSSUrr{G TNSURER(8), AUTHORTZEO
REPRESET{TATIVE OR PROOUCER, ANO THE CERTIFICATE HOLOER.
lllPORTANT: It th. c.rtlflc.io holdot l. !n ADoITIO AL INSURED, th. policy{ios) mult h.y. ADDITIONAL INSUREO provlslonr o. bc .ndoBod.
lf SUBROGATION lS wAlVEo, a'rbJact to tha tarma and condltlona of tho pollcy, c.rt ln pollcl.. mry requlr. rn endora.mant. A rtrtem.rt on
c.rtltlcar. Departm€Dt
th13 c6rtificate doer not contor to th€ cortlUcato holdar in lleu or.uch
1,113\u" ."". tgzst trr-rzoo ilH ra, ( e25) eol-0621
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AFFORDII{O COVERA6E
IANDI(^RX AT@R lNg CO
n!UREn6; OUIO 8EC!RI'Y It{S CO
INSURERE
pRooucER C !,tC 0829370
adgarooal Partnar. Inaurarca carrtGra
llalald E@ir. - Err-trch ID 1{5{21
P.O. Aor 5003
4-7700
ilv6raldl., cl 92507
8a! R DoD, CA 9{583
1965 chlcago lw.Eu., Sulte c
t-925-2
(rPrc)
fttuiE0
Blolor L..borator1.!
SHOULD ANY OF THE ABOVE DESCRIBEO POLIGIES BE CAI'CELLEO BEFORE
THE EXPIRATIOX DATE THEREOF, XOTICE IYILL BE OELIVERED II{
ACCORDANCE IYIIH THE POLICY PROVISIOIIS,
Clty of f,.Dlf..
a lt. offlc.!., q)Ioy..., agrrt., t .uthorlt.dl volunt..r.
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29814 Saun Roral
x.td!.., c-l 92586
AUTHORITEO REPRE9EI{TATIVE
I
Cfu-
ILANOMARK AMEHICAN INSURANCE COMPANY
This Endorsement Changes The Policy. Please Read lt Carefully
ADDITIONAL INSURED
(BLANKET - PRTMARY)
aa
This endors€ment modifies insurance provided under the following
COMMERCIAL GENEFAL LIABILITY COVERAGE PART
OWNERS AND CONTBACTORS PROTECTIVE LIABILITY COVERAGE PART
PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART
This endorsem€nt 6t ectiv€ 61112022lorms
part of Policy Number LHC843218 issuedto Bto Tox LABoRATORTES tNC by
Landmark American lnsurance Company
7.L!
RSG 95001 0903
Endorsoment No.: 0'1
WHO lS AN INSURED (Section ll) is amended to include as an insured: any person, organizalion, trustee,
€state or Govornmontal entity to whom or to which you are obligatsd, by virtue ol a writton contract or by
ths issuance or existonce of a permit, to provido insurance such as is afiorded by this policy, but only with
respoct to oporations perlormed by you or on your behal, or to racililies used by you and then only for the
limits ol liability specilied in such contract, but in no evsnt tor limits ol liability in excess of the applicabls
limits ol liability ol this policy; provided that such person, organization, trustee, estato or Governmental
entity shall b€ an lnsured only with lespoct to occurr€ncss taking plac€ after such written contract has
been ex€culed or such psrmit has been issued.
ll you are roquir€d by a writtsn contract lo provido primary insurance this policy shall bs primary as
respects your nsgligence and Ssclion lV, Condition 4. Other lnsurance does not apply, but only with
respect to coverage provided by this policy.
All other terms and conditions of this policy remain unchanged.
IJILANDMARK AII]IEHICAN INSUBANCE COMPANY
This Endorsement Changes The Policy. Please Read lt Caretully.
WAIVER OF TRANSFER OF RIGHTS OF
RECOVERY AGAINST OTHERS TO US
IIffi
o
=zThis €ndorsoment modilies insurance provided under the lollowing:
COiTMERCIAL GENEBAL LIABILITY COVERAGE PART
SCHEDULE
Nams ol Porson or Organlzatlon:
Any Person or Organization As R€quired By Written Contract
Thisendorsementeflectivo 61112022
Foms parl of Policy Numbsr 1HC843218
lssusd to BIO TOX LABORATORIES INCby Landmark American lnsurance Company
Endorsement No.: 16
RSG 54078 03 10 lncludes copyrighted material of lnsurance Services Otfice, lnc., with lts p€rmission
Copyright, lnsurance Services Office, lnc., 2009
The following is added to SECTION lV - COMMEBCIAL GENEBAL LtABtLtTY COND|T|ONS, B.
TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US:
We waive any right ol recovery we may have against the person or organization shown in the SCHEDULE
abovo because of paymont we make for injury or damage arising out ol your ongoing operations, "your
producl" or "your work" done under a written contract with that person or organization and included in the
"product-completod operations hazard". This waiver applies only to th€ person or organization shown in
the SCHEDULE above.
I
IPol i cy BAS2 3 57312760
COVEBAGE INDEX
SEJEC'L
ACCIDENTAL AIRBAG DEPLOYMENT
COI'MERCIAL AUTO
AC 85 43 08 21
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE BEAD IT CAFEFULLY.
CALIFORNIA BUSINESS AUTO COVERAGE
ENHANCEMENT ENDORSEMENT
This endorsemsnt modifies insurance provided undor tho following:
BUSINESS AUTO COVERAGE FORM
With respect lo coverage atforded by this endorsement, the provisions ot lhe policy apply unless modified
by the €ndorsement.
lf the policy to which this endorsement is attached also contains a Business Auto Coverage Enhancement
Endorsement ,rvith a specific slate named in the title, this sndorsement does not apply to vehicles garaged in
that specified stat€.
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PROVISION NUMBEH
12
AMENDED FELLOW EMPLOYEE EXCLUSION
AUDIO, VISUAL AND DATA ELECTRONIC EOUIPMENT COVEHAGE
BODILY INJURY REDEFINED
EMPLOYEES AS INSUBEDS (lncluding Employee HirBd Auto)
EXTRA EXPENSE . BFOADENED COVERAGE
GLASS REPAIR . WAIVEH OF DEDUCTIBLE
HIRED AUTO COVEBAGE TERRITORY
HIHEDAUTO PHYSICAL DAMAGE (lncluding Employee Hired Auto)
LOAN / LEASE GAP (Coverage Not Available ln New York)
NEWLY FOFMED OH ACOUIRED SUBSIDIABIES
PARKED AUTO COLLISION COVERAGE (WAIVER OF DEDUCTIBLE)
PERSONAL EFFECTSCOVERAGE
PHYSICAL DAMAGE - ADDITIONAL TRANSPORTATION EXPENSE COVERAGE
PHYSICAL DAMAGE DEDUCTIBLE - VEHICLE TRACKING SYSTEIVI
I
BENTAL REIMBUBSEMENT
SUPPLEMENTARY PAYMENTS
TOWING AND LABOH
TWO OR MORE DEDUCTIBLES
UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS
I
4
7
'18
19
WAIVEB OF TRANSFER OF RIGHTS OF IIECOVEHY AGAINST OTHEIiS TO US 21
SECTION ll - LIABILITY COVERAGE is amsndsd as lollows:
1. NEWLY FORMED OR ACOUINED SUBSIDIARIES
SECTION ll - LIABILITY COVERAGE, Paragraph A.1. Who ls An lnsuFd is amsnded to include the
following as an "insured":
d. Any logally incorporated subsidiary of which you olvn moro than 50 percent intsrest during the
policy period. Coverage is atforded only for g0 days from the date ol acquisition or tormation.
Howsver, "insured" does nol include any organization that:
(1) ls a parlnership orioint venlure; or
(2) ls an "insur€d" und€r any other automobile policy sxcopt a policy written spocificall y to apply
in excess ol this policy; or
(3) Has exhausted its Limit of lnsurance or had its policy terminated under any other automobile
policy.
@ 202, Liberty Mutual lnsurance
AC 65 43 08 21 lnclud€s copyriohted matsdal ol lnsurance Ssrvlc€g Otfic€,lnc., with its permigsion. Pagg t ot 7
5
'14
24
2
10
16
22
6
15
I
17
11
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Coverage under this provision d. does not apply to "bodily injury" or "proporty damage" that
occurred bolore you acquired or formed the organization.
2. EITPLOYEES AS INSUREDS
SECTION ll - LIABILITY COVEHAGE, Paragraph A.t. Who lr An lnsured is amendgd to includ8 the
following as an "insursd":
e. Any "€mploy8€" of yours whil€ using a covered 'auto' you do not own, hire or borrow but only for
acts within the scops oi their employmont by you. lnsurance provided by this endors€mgnt is
excess ov€r any other insursncs availablo to any'employ8e".
l. Any "omploy6e" of yours rvhile oporating an "auto" hir€d or borrow€d undsr a written contract or
agrsemenl in that "omployoe's" nams, with your permission, while perlorming duties related to
the conduct of your business and within the scope ol th6ir employment. lnsursnce provided by this
ondorsgment is excass over any other insurance available to the '6mployee",
3. ADDITIONAL INSURED BY CONTRACT, AGBEEMENT ORPERMIT
SECTION ll - LIABILITY COVERAGE, Paragraph A.l. Who ls An lnsurod is amended to include the
tollowing as an "insursd':
g, Any person or organization with respoct to the operation, maintenance or use of a covered "auto',
provided that you and such person or organization have agreed in a written contract, written
agroement, or permit issugd to you by governmental or public authority, to add such person, or
organization, or governm€nlal or public authority to this policy as an "insured".
However, such person or organization is an "insursd':
(t) Only with respoct to ths operation, mainlenance or use of a covored 'auto";
(2) Only for "bodily injury" or "property damag6" caused by an "accident" which takes placo attsr
you sxecuted the *,ritten contract or writton agroement, or the permit has beon issuBd to you;
and
(3) Only lor the duration ol that contract, agreemont or p€rmit.
The "insursd" is required to submit a claim to any othor insursr to which coverage could apply for
delons€ and indsmnity, Unl€ss th€ "insured" has agreed in writing lo primary noncontributory
4. SUPPLEMENTABY PAY ENTS
SECTION ll - LIABILITY COVERAGE, Cov.rag. Extontlons, 2.a. Suppl.mentary Paymenl!, Paragraphs
(2) and (a) are r€placed by the following:
(2) Up to $3,000 lor cosl of bail bonds (including bonds for related tratfic violations ) requirgd becausg
ol an "accidsnt' ryo covor. Wo do not have to furnish these bonds.
(4) All reasonable expenses incurred by the "insured" at our request, including actual loss of garnings
up to $500 a day bscause of time ofl from work.
5. AMENDED FELLOW EMPLOYEE EXCLUSION
ln those jurisdictions wh€re, by law, fsllon, 'employees' are not entitled to the protsction atlorded to
th6 employer by the work8rs componsatlon exclusivity rule, or similar protBction, tho following provi-
sion is addsd:
SECTION ll - LIABILITY, Exclusion 8.5. Fsllow Employee doos not apply if lhe "bodily injury' rssults
from ths use of a cov€red "aulo" you own or hire il you have workers compensation insurance in force
lor all of your "employ€€s" at th€ tims of'loss".
This coverage is gxcBss ov6r any othsr collsctiblo insurance.
SECTIOI{ lll - PHYSICAL DAMAGE COVEBAGE is amendod as lollows:
6. HINED AUTO PHYSICAL DAHAGE
Paragraph A.4. Covorag. Extrn.lon! ot SECTIOi{ lll - PHYSICAL OAUAGE COVERAGE, is amendod by
adding the following:
lf hired "autos" aro coverod "autos" for Liability Coverage, and it Comprehensive, Spocified Causes of
Loss or Collision coverags are providsd under the Businoss Auto Coverage Form lor any "auto" you
own, then th€ Physical Damags cov€rages provided are oxtended to "autos':
O 2O2l Libsrty Mutual lnsurance
lncludos copyrlght€d materlal ol lneurance Servlces Otfic€, lnc., with lts permission
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-
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AC 85 43 08 21 Paga 2 ol 7
I
Tho "loss" must be reported to the polico authorities within 24 hours ol known damage.
Tho total amount ol the damage to the cover€d "auto" must oxceed the deductibls shown in the
0eclarations.
This provision does not apply to any "loss" if the covored "auto" is in the charge of any person or
organization engaged in thg automobils businoss.
18. N O OB MORE DEDUCTIBLES
Und€r SECTION lll - PHYSICAL DAMAGE COVERAGE, il two or more company policies or coverage
forms apply to thB same "accident", the following applies to Paragraph D. Deduc blo :
a. It tho applicable Business Auto deductible is the smaller (or smallest) deductible, it will bB waived;
or
b. lf the applicable Business Aulo deductible is not the smaller (or smallest) deductible , it will be
reduced by th6 amount of lhe small€r (or smallost) deduciible; or
c. lf the 'loss" involves t[,o or moro Business Auto covorage lorms or policies, the smaller (or
smallest) d6ductibl6 wlll bo waived.
For the purpose of this ondorsomont, company means any company that is part of lhe Liberty Mutual
Group.
SECTION lV . BUSINESS AUTO CONOITIONS is amonded as follows:
19. UNINTENTIONAL FAILURE TO OISCLOSE HAZANDS
SECTION lV. BUSINESS AUTO CONOITIONS , Paragraph 8.2. is amanded by adding the fo owing:
ll you unintentionally lail to disclose any hazards, exposures or material facts sxisting as of the incep-
tion date or renewal date of the Business Auto Coverage Form, the coverage atforded by this policy will
not bs prsjudicod.
However, you must report the undisclosed hazard of exposure as soon as practicablg atter ils discovery,
and we hav€ the right to collect additional premium lor any such hazard or exposure.
20, AMENDED DUTIES IN THE EVEI{T OF ACCIDENT, CLAIM, SUIT OR LOSS
SECTION lV - BUSINESS AUTO CONDITIONS , Paragraph A.2,4. is roplaced in its entirety by ths tollor,v-
ing:
a. ln th€ ev€nt of "accid€nt", claim, "suit" or "loss", you must promp y notity us when it is known to:
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8
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(1) You, i, you are an indivldual;
(2) A partn6r, if you ar6 a partnership;
(3) Msmbsr, il you are a limitod liability company;
(4) An executive otficer or th€ "employee" designated by the Named lnsured
you are a corporation.
To tho ext€nt possible, nolics to us should includo:
(a) How, when and where the "accidenl" or "loss" took place;
(b) Th€ "insurod's" name and address; and
(c) The names and addresses of any injurad porsons and witngsses.
lo give such notice, if
21. WAIVER OF TRANSFEH OF RIGHTS OF RECOVERY AGAINST OTHERS TO US
SECTIOI{ lV . BUSINESS AUTO CONDITIOI{S , Paragraph A.S. Transrar O Rtghts Ot Rocovory Agatnst
Others To Us, is amended by the addition of the lollou/ing:
ll ths p€rson or organization has in a written agreement waived those rights bsfor€ an "accidant" or
"loss", our rights are waived also.
22. HIFED AUTO COVEBAGE TEHRITORY
SECTION lV - BUSINESS AUTO CONDITIONS , Paragraph 8.7. poflcy p6riod, Covsrage Terrltory, is
amended by the addition of the followingi
l. For "autos" hir8d 30 days or less, th8 coverago torritory is anywhere in the world, provided that the'insurod's" responsibility lo pay lor damaggs is d€termined in a,'suit,,, on the m€rils, in th8 United
Statss, the territoriss and possessions ol the United States ol America, Puerto Eico or Canada or in
a settlem€nt w€ agr€6 to.
@ 2021 Llberty Mutust lnsurance
AC 85 43 08 2l lncludss copyrlghtod mat€rlal ol lnsurance Servic€s Otfice, lnc., with its permission. Paga 6 of 7
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This enension ol coverage does not apply to an 'auto" hired, leased, rsnted or borrowed wjth a
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SECTION V - DEFINITIONS is am8nded as fotlows:
24. BOOILY INJURY REOEFINED
Under SECTION V - DEFINITIONS , Dolinition C. is replaced by the fo owtng:
'Bodily injury" means physical injury, sickness or disease sustainsd by a p6rson, including
angulsh, mentral injury, shock, frlght or death resulting from any ol th€a€ at any tim€.
@ 2o2l Liberty Mutuat tnsurance
lncludos copyrlghlod material ol lnsuranc€ Servicss Oflice, lnc., with itE permlssion.
m6ntal
23. PHIMABY AND NON€ONTRISUTING IF REOUIRED BY WBITTEN CONTRACT OR WFITTEN AGREE.
MENT
Th€ following is added to SECTIOI{ lV - BUSINESS AUTO CONDIT|ONS, conorat CondNons, B.S. Ohsr
lnluranco and supersedes any provision to the contrary:
This Coverage Form's Covered Autos Liability Covorage is primary to and will not seek contribution
from any othsr insurance availablo to an "insured" under your policy provided that:
1. Such "insur8d" isaNamed lnsursd under such other insurance; and
2' You have agreed in a written contract or writlen agreement that this insurance would b€ primary
and rvould not seek coniribution from any other insurancs availabls to such'insured,,
AC 85 43 08 21 Pags 7 ol 7