2022/03/10 WC Heating & Air Conditioning, Inc.ACORD WCHEATI-01
CERTIFICATE OF LIABILITY INSURANCE 3t2112022
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATTON ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTENO 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: ll the cortlflcato holder is an ADDITIONAL INSURED, the pollcy(ios) must havo ADDITIONAL INSURED provisions or be endorsod.lf SUBROGATION lS WAIVEO, subject to the terms and conditions of tho policy, cortain policies may rcquire an endorsement. A statement on
this certiticats dogs not confer rlghts to ths certificate holder in lisu of such endorsement{s).
rNsuRER A rDepositors lnsurance Company
fi8 EAcr Elizabeth Rasco
INSU RER(S) A FFORDING COVERAGE
(95',t1 23',t -2572E,o, (951) 779-8745
cal.cpu@hubinternational.com
pRooucER Llc6nse # 0757776
HUB lntornalional lnsuranco Services lnc.
PO Box 5345Riverside, CA 92517
WC Heating & Air Conditioning, lnc.
dba: We Caro
41085 Golden Gate Circl6
Murriota, CA 92562
INSURED tNsuRER B rwestchester s us Lines lnsurance Co.10172
II{SURER E
E CERTIFICATE NUMBER REVISION NUMBER
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE EEEN ISSUEO TO THE INSUREO NAiTEO ABOVE FOR THE POLICY PERIOD
INDICATED NOTW'THSTANDING ANY REQUIREi.IIENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WTH RESPECT TO TAI-IICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFOROED 8Y THE POLICIES DESCRIEED HEREIN IS SUEJECI TO ALL THE TERMS
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES LIMITS SHOW! MAY HAVE BEEN REDUCED BY PAID CLAIMS,
A COMMERCIAL GENERAI. LIABILITY
crarMS-M^DE I occun P3100325729 311012022 3t10t2023
x
x x
TET
E RENTED
L & ADV
EACH OCCURRENCE
MED EXP
ENERAL
LOC 3
I
1,000,000
100,000
1,000,000
2,000,000
s
2,000,000
COMB NED SINGLE LI]V T
BODILY NJURY rP6roorsonr
BOOTLY NJURY tPer.ccden|
1,000,000I
5
I
I
A AUTOMOBILE LIABILITY
OWNEDAUTOS ONLY
H RED
SCHEDULEDAUTOS
NONOW!EDx
x
x
ACP3100325729 3t10t2022 3t'1012023
S
EACI-] OCCU RR ENC E
DED
OCCUR
CLAIMS MAOE AGGREGATE
soTllWORK€RS COMPENSATION
ANO EMPLOYERS' I-lAAIUTY
A NY PROPRIETOR/PARTNE R/EX€ClJT VEOFFICER/MEMAER EXCLUOEO?
oEscRrPTroN oF oPERATtoNS bsrow
N
3t10t2022
3t1012022
3t10t2023
314012023
General Aggregate
Per Occ. Ded: 65,000
2,000,000
1,000,000
B
B
Pollution
Pollution
x
x
7005
7005
G,1687731
G4687731
DESCRTPTTON OF OPERATTONS / LOCATIONS /VEHICLES IACORO l0l,Addltlon.l R€mrt. S.h.dul., tuy b..(.ch.d lt moE.p.ce13 Equired)Updated 0312112022This certificate supersedes any and all prior certificates issued on behalf of the named insured - Auto Policy and Endorsement updated
City of Menifee and its officers, employees, agents, and aulhorized volunteers are Additional lnsured with rcgard to General Liability when required by written
contract per the attached endors€ment form CG8186 03/19, Waiver of Subrogation included. Primary & Non -Contributory wording applies with regard to
General Liability when required by written conlract per the attached endoBemeht form CG2001 04/13. Additional lnsured with regard to Pollution Liability
when required by written contract per the attached endorsement forms ENV3250 l2l18 and ENV3251 12l18. Primary & Non -Contributory wording applies with
regard to Pollution Liability when required by written contract per the atlached endorsement form ENV3253 12,/18.
SHOULD ANY OF THE ABOVE DESCRIBEO POLICIES BE CANCELLEO BEFORE
THE EXPIRATIOI{ DATE THEREOF, TIOTICE wlLL AE DELIVEREO IIT
ACCORDANCE WITH THE POLICY PROVISIONS.City of Msnifee and its officors, qmployeos,
agents, and autho.ized voluntoe6
298,14 Haun Road
Sun City, CA 92586
O 1988-2015 ACORD CORPORATION. All rlghts reserved.
Th6 ACORD name and logo aro registered marks of ACORD
ACORD 2s (2016/03)
42587
li
I E L. EACH AccrDElx I I
&,ru^,_
AUTHORIzED REPRESENTAT]VE
CANCE
POLICY NUMBER: ACP31oo325729
COMMERCIAL GENERAL LIABILITY
cG 81 86 03 19
THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY,
CONSTRUCTIONGARD'" GENERAL LIABILITY
ENHANCEMENT ENDORSEMENT
This endorsement modifies insurance provided under lhe tollowing:
GOI\4tv|EHCIAL G ENERAL LIABI LITY COVEHAGE PAHT
The following isasummaryof lhe additional coverages provided bylhis endorsemenl. For complete details on a
specilic coverage, consull the endorsement conlract language.
1 Additional lnsureds
Various addilional insured extensions
2. Aggregate Limit Per Proiect
3. Blanket Waiver ol Subrogation
lf required by writlen conlract, insurer waives riqht of subroqalion
4. Broad Form Named lnsured
5. Broadened Definition oi Bl
Definilion includes menlal anguish
6. Broadened Liability Coverage lor Damage to "Your Product" and "Your work"
7. Contractual Llablllty - Railroads
Expanded detinition of "insured conlracl"
8. Contractual Liability lor Personal and Advertising lniury
9. Damageto Premises Rented toYou
Extends perils
Limil: $1 ,000,000
10. Electronic Data Liability
Limil: $100,000
1'1. Expected and lntended lniury
12. lncidental Medical Malpractice
13. Knowledge ol Occurrence
14. Liberalization
15. Losl Key Coverage
Occurrence Limil: $10,000
16. Newly Formed and Acquired Organizations'180 days
18. Non-owned Watercraft
lncluded for walercrafl up lo 5l ft
'19. Supplementary Paymenls
lncreased bail bonds limit lo $5,000
lncreased daily loss of earnings limit lo $ 1 ,000 per day
21. Non-duplication ot Benelits
cG 81 86 03 19 lncludes copyrighted malerial of lnsurance Services Office, lnc.,
with ils permission.
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47 0013769ACP GLDO3100325729 LOKB
17. Non-owned Aircralt
20. Unintentional lailure lo Disclose Hazard
cG 81 86 03 19
1. Additional lnsured - Automatic Status When
Required ln An Agreement Or Contract With
You
SECTION ll - WHO lS AN INSURED is
amended to include:
1. Any person(s) or organizalion(s) whom you
are required lo add as an additional
insured on this policy under a wriflen
conlracl or writlen agreemenl, provided the
wrillen conlracl or witlen agreemenl:
(1) ls currenlly in effect or becomes
elfective during the term or this
policy; and
(2) Was executed prior to the "bodily
iniury," "property damage" or
"personal and advertising inlury'
tor which the addilional insured
seeks coverage.
The person or organizalion added as an
addilional insured by this endorsement is an
addilional insured only wilh respect lo liability
lor:
1. "Bodily injury" or "property darnage'' or
2. "Personal and adverlising injury"i
due to:
a. Controlling lnterest - with respect
to their liabilily arising out of:
(1) Their financial conlrol of you; or
(2) Premises they own, mainlain or
conlrol while you lease or
occupy these premises.
This insurance does not apply loslruclural alterations, new
conslruclion and demolition
operalions pertormed by or for such
addilional insured.
b. Co-owner oI lnsursd Premises -with respecl to lhe co owner's
liability as a co-owner of such
premises.
c. Grantor ol Franchise or License
Any person or organization lhal has
granled you a franchise or license
by wrillen conlract or agreemenl is
an additional insured, but only with
respecl to their liability as a granlor
of a franchise or license lo you.
However, their slalus as addilional
insured under this policy ends when
lheir contract or agreemenl wilh you
granling lhe franchise or license
ends.
d. Lessors of Leased Equipment
wilh respecl lo their liabilily for
"bodily injury", "properly damage", or"personal and advertising injury",
caused in whole or in part by your
mainlenance, operalion, or use of
equipment leased lo you by such
p€rson(s) or organizalion(s). This
insurance does nol apply to any
"occurrence" which lakes place atter
lhe equipmenl lease expires.
However, their slalus as additional
insured under this policy ends when
lheir lease, contract, or agreemenl
with you for such leased equipmenl
expires.
e. Lessor o, Land - with respect lo
liability arising out of the ownership,
mainienance or use of lhal specific
parl of the land leased to you and
subjecl to the Iollowing addilional
exclusions:
This insurance does nol apply lo:
(1) Any "occurrence" which lakes
place after you cease to be a
lenanl in thal premise: or
(2) Slruclural alteralions, new
conslruclion or demolition
operalions performed by or on
behalf ol such additional
insured.
However, their slalus as additional
insured under this policy ends when
you cease to be a lenant ol such
premises.
l. Managers or Lessots of Premisas
- wilh respecl 10 liabilily arising out
of lhe ownership, mainlenance, or
use of that parl ol the premises you
own, rent, lease, or occupy.
This insurance does nol apply lo:
(1) Any "occurrence" which lakes
place afler you cease 10 be a
lenant in lhal premises; or
(2) Structural allerations, new con-slruclion, or demolition
operations performed by or onbehall of lhe person or
organizalion.
lncludes copyrighled material ol lnsurance Services Office, lnc.,
with its permission.
22073 INSURED COPYLOKB 47 0013770
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ACP GLD03100325729
cG 81 86 03 19
However, their slalus as addilional
insured under this policy ends when
you cease to be a lenant of such
premises.
g. Mortgagee, Asslgnee or Recoivsr
- wilh respecl lo lheir liability as
mortgagee. assignee. or receiver
and arising out ot lhe ownership,
maintenance, or use ol a premrse
by you. This insurance does not
apply to slructural alleralions, new
conslruclion or demolition
operalions perlormed by or on
behalf of such additional insured.
h. Owners, Lessees, or Contraclots
- with respect to liabil(y for "bodily
iniuM, "property damage", or
"personal and adverlising anjurY'
caused in whole or in parl, by;
(1) Your acts or omissions; or
(2) The acls or omissions o[ those
acling on your behalf, in lhe
performance ol your ongoing
operations perlormed tor lhal
additional insured, whether lhe
work is perlormed by you or on
your behalf; or
(3) "Your work" performed lor thal
addilional insured and includedin the "products-compleled
operalions hazard."
The insurance does nol apply
lo:
(a) "Bodily injury", "property
damage", or "personal and
advertising injury" arising
out ol the rendering of or thefailure to render anyprofessional architeclural,
engineering, or survey
services, including:
(i) The preparing, approv-
ing, or lailing to prepare
or approve maps, shopdrawings. opinions.
rePorts, survey, tield
orders, change orders,or drawings and
specifications;or
(ii) Supervisory, inspeclion,
architeclural or engi-
neering aclivilies.
cG 81 86 03 19
This exclusion applies evenif the claims againsl any
insured allege negligence
or olher wrongdoing in thesupervision, hiring,
employmenl, lraining or
monitoring of olhers by lhat
insured. if the "occurrence"
which caused the "bodilyinjury" or "property
damage", or the offense
which caused the "personal
and advertising injury",
involved the rendering of, orlailure to render, any
professional, archltectural,
engineering. or surveying
services.
i. State or Political Subdivision -Permlts Relating to Premlses -with respect to the lollowing
hazards for which the slale or
political subdivision has issued apermil or authori./ation in
conneclion with premises you own,
rent, or control and to which this
insurance applies.
(1) The existence, mainlenance,
repair, construclion. erection, or
removal of adverlising, signs.
awnings, canopies, cellar
enlrances, coal holes, drive'
ways, manholes, marquees,
hoist away openings, sidewalk
vaulls, slreet banners, ordecorations and similar
exposures;0r
(2) The construction, ereclion, or
removal of elevalors; or
(3) The ownership mainlenance or
use of any elevators covered by
this insurance.
This insurance does nol apply to:
(1) "Bodily injury" or "properly
damage" or "personal or
advertising iniury' arising out of
operalions perlormed for lhe
slale or municipality; or
(2) "Bodily injury" or "property
damage" included wilhin the
"products-completed operations
hazard".
cG 81 86 03 19 lncludes copyrighled material of lnsurance Services Ollice, hc.,
wilh its permission.
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47 0013771ACP GLDO3100325729 LOKB
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ACP GLDO3100325729
cG 81 86 03 19
2.
However, such slale or political
subdivision's slalus as additional
insured under lhis policy ends when
the permil ends.
This endorsemenl shall nol increase
the applicable Limils of lnsurance
shown in the Declarations.
The insurance allorded lo such
addilional insureds described in a.' i.
above:
(1) Only applies lo lhe exlenl
permitted by law; and
(2) Will nol be broader lhan any
coverage requirement in a
conlracl or agreement to provide
for such additional insured.
AggregatB Limit Per Proioct
Under SECTION ln - LIMITS OF INSUBANCE,
the following paragraph is added lo Paragraph 2:
The General Aggregate Limil under SECTION lll
LIMITS OF INSURANCE applies separately to
each of your construction proiects away from
premises owned by or rented to you.
Blanket Waivsr Of Subrogalion
Under SECTION lV - COMMERCIAL
GENERAL LIABILITY CONDITIONS, 8.
Transfer Ol Rights Ol Recovery Against
Olhers To Us, the following is added:
We waive any righl of recovery we may have
against any person or organization because of
payments we make lor injury or damage arising
oul of:
a. Your ongoing operalions; or
b. "Your work' included in the "producls
completed operations ha/ard.
However, this waiver applies only when you have
agreed in wriling to waive such rights o[ recovery
in a contract or agreement. and only if the
contracl or agreemenl:
a. ls in eftect or becomes effeclive during the
lerm or lhis policy: and
b. Was execuled prior to loss.
Broad Form Namsd lnsurgd
Under SECTION ll - WHO lS AN INSURED, lhe
following is added 10 Paragraph 2:
e. Any business enlity incorporaled or
organized under lhe laws ot the United Stale
of America (including any State lhereol), ils
terrilories or possessions, or Canada
(including any Province lhereof) in which the
3.
4.
Named lnsured shown in the Declaralions
owns, during the policy period, an interest of
more than fifly percent. lf olher valid
collectible insurance is available lo any
business enlity covered by this solely by
reason of ownership by lhe Named lnsured
shown in lhe Declarations in excess ot fitly
p€rcent, this insurance is excess over the
olher insurance, whether primary. excess.
contingent, or on any other basis.
5. Broadened Bodily lnlury Delinitlon (Mental
Anguish)
Under SECTION V - DEFINITIONS, Definition 3.
"Bodily lnjury" is replaced with:
3. "Bodily injury" means physical injury,
sickness, or disease lo a person and ifaising oul of lhe foregoing, menlal
anguish, menlal injury, shock, or
humiliation, including death at any lime
resulting therefrom.
6. Broadened Liability Coverage for Damage to
"Your Product" and "Your Wo;k" Unoer
SECTION I - COVERAGES, COVERAGE A
BODILY INJUBY AND PROPERTY DAMAGE
LIABILITY, Paragraph 2. Excluslons is
amended lo delete exclusions k. and l. and
replace them with lhe following:
This insurance does nol apply lo:
k. Damage to Your Product
"Property damage" lo ,your producl" arising
out of it or any part of it except when
caused by or resulting from:
(1) Fire;
(2) Smoke:
(3) Collapse; or
(4) Explosion.
l. Damage to Your Work
"Property damage" lo "your work' arising
oul of il or any parl of il and included in the
"producis-com pleted operations hazard'.
This exclusion does noi apply:
(1) lf the damaged work or lhe $,ork oul otwhich lhe damage arises was
performed on your behalf by a
subcontractori or
(2) lf the €use of loss 10 the damaged
work arises as a result of:
(a) Fire;
(b) Smoke;
cG 81 86 03 19lncludes copyrighled material of lnsurance Services Oflice, lnc.,
with ils permission.
22073 INSURED COPYLOKB 47 0013772
(c) Collapsei or
(d) Explosion.
Under SECTION lll - LIMITS OF INSURANCE,
the following paragraph is added:
Subject to 6. above, $100,000 is lhe mosl we
will pay under Coverage A lor the sum of
damages arising out of any one "occurrence"
because of "property damage" 10 "your producl"
and "your work" thal is caused by fire, smoke,
collapse or explosion and is included wilhin lhe
"product compleled operalions hazard". This
sublimit does nol apply lo "properly damage' lo
"your work" if the damaged work or the work
oul of which the damage arises was performed
on your behalf by a subcontraclor.
7. Contractual Liability - Bailroads
a. Under SECTION V - DEFINTIONS, lhe
Iollowing replaces Paragraph c. of
definition 9. "lnsured Conlract":
c. Any easemenl or license agreemenl;
b. Under SECTION V -DEFINITIONS,
Paragraph l.('l) of definilion 9. "lnsured
Conlract" is deleted.
L Contractual Liability for Personal and
Advertislng lnlury Under SECTION l-
COVERAGES, COVERAGE B - PERSONAL
AND ADVERTISING INJURY LIABILITY,
Paragraph 2. Exclusions is amended lo delete
exclusion e. Contractual Liability.
This provision 8. does nol apply to any person
or organizalion who otherwise qualifies as an
additional insured on this Coverage Part.
9. Damage to Premises Rented to You
a. Under SECTION l- COVERAGES,
COVERAGE A _ BODILY INJURY AND
PROPERTY DAMAGE LIABILITY. the |ast
paragraph of 2. Exclusions is replaced wilh:
lf DamagB To Premises Rented To You is
nol otherwise excluded, Exclusions c.
through n. do not apply to damage by fire,
lighlning, explosion, smoke, or sprinkler
leakage to premises while rented to you or
lemporarily occupied by you wilh permission
of lhe owner.
b. Under SECTION lll - LIMITS OF
INSURANCE, Paragraph 6. is replaced wilh:
6. Subject 10 Paragraph 5. above, lhe
Damage To Premises Flenled To You
Limil is lhe mosl we will pay under
coverage A for damages because of
cG Bl 86 03 19
cG 81 86 03 19
"property damage" lo any one premises.
while rented to you, or in lhe case of
damage by fire, lightning, explosion,
smoke or sprinkler leakage, while rented
to you or temporarily occupied by you
wilh permission of lhe owner. The limil is
increased to $1 ,000,000.
c. Under SECTION lV - COMMERCIAL
GENERAL LIABIL]TY CONDITIONS, 4,
Other lnsurance, b. Excess lnsurance (1)
(a) (ii) is replaced wilh:
(ii) Thal is Fire, Lighlning, Explosion,
Smoke or Sprinkler leakage insurance
for premises renled to you or lemporarily
occupied by you with permission ot lhe
owner;
10. Electronic Data Liability
a. Under SECTION l- COVERAGES,
COVERAGE A - BODILY INJURY AND
PROPEBTY DAMAGE, Paragraph 2.
Exclusions is amended to delele exclusion
p. Electronic Data and replace il wilh lhe
following:
This insurance does not apply lo.
p. Electronic Data
Damages arising oul of the loss of, loss
ot use of, damage to, corruplion of,
inabilily lo access, or inability lo
manipulate "electronic dala" thal doesnot resull from physical injury to
tangible properly.
However, lhis exclusion does nol applylo liabilily for damages because of
"bodily injury."
b. Under SECTION lll - LIMITS OF
INSURANCE, the following paragraph is
added:
Sublecl to paragraph 5. above, $100,000 is
the mosl we will pay under Coverage A forall damages arising out ol any one
"occurrence" because of "property damage"
that resulls from physical injury lo langible
property and arises out of "electronic dala".
c. Under SECTION V - DEFINITIONS, lhe
following definition is added:
"Electronic dala" means informalion, facls
or programs slored as or on, created or
used on, or lransmitted to or trom computersoflware, including systems and
applicalions sottware, hard or floppy disks,
CD ROlVlS, tapes, drives, cells, dala
processing devices or any other media
Page 5 ot 7lncludes copyrighled material of lnsurance Servi@s Oltice, lnc.,
with ils permrssion.
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ACP GLD03100325729
cG 81 86 03 19
which are used wilh eleclronically
controlled equipmenl.
d. Under SECTION V - DEFINITIONS, lhe
definilion of "property damage" is replaced
by the following for lhe purposes of lhe
coverage provided by this endorsement
onlY:
17. "Property damage" means:
a, Physical injury to langible properly,
including all resulting loss of use of
lhal property. All such loss of use
shall be deemed to occur al the
lime of lhe physical iniury that
caused it:
b. Loss oI use of langible properly
lhat is nol physically injured. All
such loss of use shall be deemedlo occur al lhe lime of lhe
"occurrence" thal caused il; or
c. Loss of, loss of use ot, damage to,
corruplion of, inabilily lo access, or
inability lo properly manipulale
"electronic data," resulting from
physical injury lo langible property.
All such loss of "eleclronic dala"
shall be deemed to occur al lhelime of the "occurrence" lhat
caused it.
For lhe purposes of lhis insurance,"electronic dala" is nol tangible
propeny.
e. lf Eleclronic Data Liability is provided at a
higher limit by anolher endorsement
aflached lo lhis policy, then the $100,000limil provided by this Provision 10.
Electronic Data Liability is parl of, and not
in addilion to, thal higher limil.
11. Expected or lntended lniury
UnderSECT|ONl-COVERAGES,
COVERAGE A - BODILIY INJURY AND
PROPERTY DAMAGE LIABILITY, Exclusion a.
is replaced by the following:
a. Expected Or lntended lniury
"Bodily injury" or "property damage"
expected or inlended from lhe standpoint of
lhe insured.
This exclusion does nol apply to "bodily
injury" or "property damage" resulting fromlhe use of reasonable Iorce lo protect
persons or property.
cG 81 86 03 19lncludes copyrighled material of lnsurance Services Office, lnc.,
with i1s permission.
22073 INSURED COPYLOKB 47 00137't4
12. lncidental Medical Malpractice Liability
a. Under SECTION ll - WHO lS AN INSURED,
Paragraph 2.a.(1)d. does not apply 10
nurses, emergency medical technicians or
paramedics employed by you arising oul of
his or her providing or failing to provide
professional health care services, bul only if
such healthcare services are within the
scope of their employmenl by you or are
related lo or arise out of the conduct of your
business.
b. This coverage does not apply if you are
engaged in lhe business or occupation of
providing prolessional heallh care services.
13. Knowledge Ol An Occurrence
Under SECTION IV _ COMMERCIAL
GENERAL LIABILITY CONDITIONS, IhE
following is added to 2. Duties ln The Event Ol
Occurrence, Ollense, Claim Or Suit:
e. Knowledge of an occurrence, offense, claim
or suit by an agenl or employee of any
insured shall not in itself conslilute
knowledge of the insured unless you, a
partner, if you are a partnership; or an
executive oflicer or insurance manager, if
you are a corporalion receives such notice of
an occurrence, offense, claim or suit from
the agent or employee.
l. The requirements in Paragraph b. will nol be
considered breached unless there is
knowledge of occurrence as oullined in
Paragraph e. above.
14. Liberalization
lf we revise this endorsement lo provide more
coverage without addilional premium charge, we
will aulomalically provide lhe additional coverage
10 all endorsement holders as of lhe day lhe
revision is effective in your slate.
-15. Lost Key Coverage
a. Under SECTION l- COVEBAGES,
COVERAGE A BODILY INJURY AND
PROPERTY DAMAGE LIABILITY,
coverage is exlended 10 include the
following:
lf a customer's masler or grand key,
excluding eleclronic key card, is losl,
damaged or slolen while in your care,
custody or control we will pay lhe cost of
replacing the keys, including lhe master lock
and all keys used in lhe same lock, the cost
of adjusting locks to accepl lhe new keys, or
the cost to replace the locks, whichever is
less.
b. Limit ol lnsurance - For lhe purpose ol lhis
coverage the mosl we will pay is $ 10,000
per "occurrence".
16. Newly Formed And Acquired Organizations
a. Under SECTION II _ WHO IS AN INSUBED,
in paragraph 3.a.,901h day is changed lo
1801h day.
b. This provision does not apply il coverage for
newly formed or acquired organizations is
excluded either by the provisions of the
Commercial General Liabilily Coverage
Form or by any applicable endorsement.
17. Non-Owned Aircralt
Under SECTION I - COVERAGES,
COVERAGE A _ BODILY INJUBY AND
PROPERTY DAMAGE LIABILITY, Exc|Usion
g. does not apply to an aircraft provided:
a. ll is hired, chartered or loaned with a paid
Crew,
b. lt is not owned by an insured;
c. The pilot in command holds a currently
effeclive license for the particular aircraft
being flown, issued by the duly constituled
authorily of the United Slates of Americaor Canada, designating her or him a
commercial airline pilol; and
d ll is nol being used by the insured to carry
persons or properly for a charge.
The following is added lo SECTION lV,
COMMERCIAL GENERAL LIABILITY
CONDITIONS, Condition 4. Other lnsurance,
Paragraph b. Excess lnsurance:
This Non-Owned Aircrafl insurance is excess
over any other valid and colleclible insurance
whether primary, excess (other than insurance
written to apply specifically in excess of this
policy), contingent or any other basis that
would also apply to loss covered under this
provision.
18. Non-Owned Watercralt
UnderSECT|ONl-COVEFAGES,
COVEHAGE A - BODILY INJUBY AND
PROPERTY DAMAGE LIABILITY, Paragraph
(2) of Exclusion g. is deleted and replaced with
cG 81 86 03 19
cG 81 86 03 19
lhe following:
(2) A walercrafl you do not own lhal is:
(a) Less than 5'1 feet long; and
(b) Not being used by the insured to
carry persons or property for a
charge.
19. Supplementary Payments
UndeTSECTIONI-COVEBAGES,
SUPPLEMENTARY PAYMENTS
COVERAGES A AND B Paragraphs 1.b and
'1.d. are replaced wilh:
b. Up to $5,000 for cost of bail bonds required
because ol accidenls or lratfic law violalions
arising out of the use of any vehicle to which
the Bodily lnjury Liabilily Coverage applies.
We do not have to furnish lhese bonds.
d. All reasonable expenses incurred by the
insured al our requesl to assisl us in lhe
investigation or defense of the claim or
"suit", including actual loss of earnings up to
S1 ,000 a day because of time off from work.
20. Unintentional Failure To Disclose Hazard
Under SECTION IV - COMMERCIAL
GENERAL LIABILITY CONDITIONS,
Condilion 6. Bepresentations lhe followiflg
paragraph is added:
d. Your failure 1o disclose all hazards or prior
"occurrences" or offenses exisling as of the
inception date of the policy shall not
preiudice the coverage afiorded by this
policy provided such failure 10 disclose all
hazards or prior "occurrences" or otfenses is
nol intenlional. This provision does not affect
our right to collect addilional premium or
exercise our right of cancellalion or non-
renewal.
21. Non-Duplication ol Benelits
No one will be enlitled to receive duplicate
payments for the same elemenls of loss underany of the coverages provided by the
Commercial General Liability Coverage form,
this endorsement, or any other applicable
endorsement.
Page 7 ol 7
47 0013775ACP GLD03100325729 LOKB
All terms and conditions of this policy apply unless modilied by this endorsement.
lncludes copyrighted material of lnsurance Services Office, lnc.,
with its permission.
22073 INSURED COPY
COMMEECIAL GENERAL LIABILITY
cG 20 01 04 13
THIS ENDOBSEMENT CHANGES THE POLICY. PLEASE READ IT CAEEFULLY.
PRIMARY AND NONCONTRIBUTORY -OTHER INSURANCE CONDITION
This endorsement modifies insurance provided under the lollowing
COIV]MERCIAL GENERAL LIABILITY COVERAGE PAHT
PBODUCTS/COMPLETED OPEBATIONS LIABILITY COVERAGE PART
POLICY NU[rBER: ACP31ao32s729
The tollowing is added 10 the Other lnsurance
Condilion and supersedes any provision to the
conlrary:
Primary And Noncontributory lnsurance
This insurance is primary to and will nol seek
conlribution from any olher insurance available
1o an additional insured under your policy
provided thal:
(1) The additional insured is a Named lnsured
under such other insurance; and
(2) You have agreed in wriling in a conlract or
agreemenl lhat lhis insurance would be
primary and would nol seek conlribulion
from any other insurance available 10 the
addilional insured.
All terms and conditions ol this policy apply unless modilied by this endorsement.
O lnsurance Services Office, lnc.,2012
INSURED COPY
cG 20 01 04 13
ACP GLD03100325729 LOKB 22073
Page 1 ol 1
47 001373,t
Westchester
\ ( hrrhh (irnrlirr!
ADDITIONAI, INSURED E,NDORSEMENT _ PRODUCTS-COMPLI'I'ED
OPERATIONS TLAZARI)
W C Heating & Air Conditioning, Inc. dba WE CARE
Endo6ement Numher
Policy Synbol
CPW
Policy Numb€r
G46877 317004
Policy Pcriod
03 I lO l2o2l to 03 I l0 I 2022
Effecti!e D.tc of l:rdorseDr.nt
0311012021
lssued By (Name oflnsuranc! o)nrpaDy)
Westchester Surplus Lines Insurance Company
THIS ENDORSEMENT CIIANGES THE POLICY. PLEASE R-EAD IT CAREFULLY.
THIS ENDORSEMENT MODIFIES INSURANCE PRO\,IDED UNDERTHE FOLLOWING:
CONTRACIORS POLLUTION LIABILITY COVERAGE PART
SCHEDULE
Name of Person or required by written contract, prior to a loss to which this insurance
applies
(If no entry appears above, information required to complete this endorsement will be shown in the Declarations
as applicable to this endorsement.)
A. SECTION II - WHO IS AN INSURED 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 injury or damage, to which this
insurance applies, caused by or resulting from your work performed for that additional insured and
included in the products-completed operations hazard, and only to the extent that such injury or
damage is caused, in whole or in part, by your negligence or the negligence ofthose acting on your behalf.
However:
r. The insurance afforded to such additional insured only applies to the extent permitted by law; and
z. 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 is added to SECION III -
LIMITS OF INSURANCE:
If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on
behalf ofthe additional insured is t}le amount of insurance:
t. Required by the contract or agreemenU or
z. 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.
All other terms and conditions of this policy remain unchanged.
ENV-3251 (12/18) lncludes coplrighted material oflnsurance Services Office, Inc. with its permission
(22tot2-2)
Page r of t
Westchester
A Chubb Company
ADDITIONAL INSURED ENDORSEMENT - ONGOING WORK OR OPERATIONS
W C Heating & Air Conditioning, Inc. dba WE CARE
trdoBcment Nunrbcr
PolicysurlDl
CPW c46877317004 03 I 10 I 2021 to 03 I l0 I 2022
lffective Date of EndorseDrent
03/10/202r
lssned By (Name oflnsurance Company)
Westchester Surplus Lines Insurance Company
lnsen the poli.ynumber. The remainderofthe information is to be completed only when thisendorsement is issued subsequent to the preparation of the policy
THIS ENDORSEMENT CTIANGES THE POLICY. PI-EASE READ IT CAR.EFULLY.
THIS ENDORSEMENT MODIFIES INSURANCE PROIIDED UNDER THE FOLT,OWING:
CONTRACTORS POLLUTION LIABILITY COVERAGE PART
SCHEDUI-E:
Name of Person(sl or Orsanization(s): As required by written contract, prior to a loss to which this insurance
applies
(Ifno entry appears above, information required to complete this endorsement will be shown in the Declarations as
applicable to this endorsement.)
A. SECTION II - WHO IS AN INSLIRED is amended to include as an additional insured the persons or
organizations shown in the Schedule, but only with respect to liability for injury or damage, to which this
insurance applies, caused, in whole or in part, by:
l. Your acts or omissions; or
2. The acts or omissions of those acting on your behalf;
in the performance ofyour ongoing operations for the additional insureds.
However:
r. The insurance afforded to such additional insured only applies to the extent permitted by law; and
z. 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 exclusion is added:
Exclusions
This insurance does not apply to injury or damage occurring after:
a. All work or operations, including materials, parts or equipment furnished in connection with such
work or operations, on the project (other than service, maintenance or repairs) to be performed
by you or on your behalf at the site ofthe covered operations has been completed; or
b. 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 the additional insured as a part ofthe same project.
EIW-32So (12/18) Includes coplriShted material oflnsurance Servic€s Ofhce, Inc. with its p.rmission Page r ofz
(221o12.r)
Westchester
A Chubb Company
C. With respect to the insurance afforded to these additional insureds, the following is added to SECTIONIII - LIMITS OF INSURANCE:
If coverage provided to the additional insured is required by a contract or agreement, t}re most we will pay
on behalf ofthe additional insured is the amount of insurance:
r. Required by the contract or agreement; or
z. 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.
All other terms and conditions ofthis policy remain unchanged.
EIW-32so (r2l18)
(22tot2-r)
Includes coplrighted material of Insurance Services Office, Inc. with its p€rmission Page z of z
Westchester
A (lhLrbb Company
PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION
W C Heating & Air Conditioning, Inc. dba WE CARE
Endoreem.trt Numbc.
PolicyS)mbol
CPW G46877 3 t7 004
Policy Period
03 I t0 1202t to 03 I t0 12022
Efr€.tir€ Date of F-ndorsemen t
03/tol202),
Issued By (Name of I nsu rance Compa.y)
Westchester Surplus Lines Insurance Company
Insert the policy number. Thc remainder of the information is lo be compl€ted only wh€n I his endorsement is issued snbsequent to thc !rcparation oI the policy
THIS ENDORSEMENT CIIANGES THE POLICY. PLEASE READ IT CAREFULLY.
THIS ENDORSEMENT MODIFIES INSURANCE PRO!'IDED UNDERTHE FOLLOWING:
CONTRACTOR'S POLLUTION LIABILITY CO\,'ERAGE PART
The following is added to the Other Insurance Condition and supersedes any provision to the contrary
Primary and Noncontributory Insurance
This policy is primary to, and will not seek contdbution from, any other insurance available to an
additional insured under this policy, provided that:
a. The additional insured is a named insured under such other insurance; and
b. The named insured has agreed in a written contract or agreement that this insurance would:
(r) act as primary insurance; and
(z) would not seek contribution from any other insurance available to the additional insured.
All other terms and conditions ofthis policy remain unchanged.
EIW-3253 (12-18)
(266562.2)
Includes cop),righted matcrial of Insurance S€rvices Office,Iric. with its p€rmission Page r of r