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HomeMy WebLinkAboutKristina Chartier, DBA Kristina Chartier Photography; 2025-01-08; Page 1 City Attorney Approved Version 5/22/2024 AGREEMENT FOR PROFESSIONAL PHOTOGRAPHY SERVICES KRISTINA CHARTIER DBA KRISTINA CHARTIER PHOTOGRAPHY THIS AGREEMENT is made and entered into as of the ______________ day of _________________________, 2025, by and between the City of Carlsbad, California, a municipal corporation ("City") and Kristina Chartier, DBA Kristina Chartier Photography, a sole proprietorship, ("Contractor"). RECITALS A. City requires the professional services of a photographer that is experienced in professional photography of events, projects and people. B. Contractor has the necessary experience in providing professional services and advice related to professional photography. C. Contractor has submitted a proposal to City and has affirmed its willingness and ability to perform such work. NOW, THEREFORE, in consideration of these recitals and the mutual covenants contained herein, City and Contractor agree as follows: 1. SCOPE OF WORK City retains Contractor to perform, and Contractor agrees to render, those services (the "Services") that are defined in attached Exhibit "A," which is incorporated by this reference in accordance with this 2. STANDARD OF PERFORMANCE While performing the Services, Contractor will exercise the reasonable professional care and skill customarily exercised by reputable members of Contractor's profession practicing in the Metropolitan Southern California area, and will use reasonable diligence and best judgment while exercising its professional skill and expertise. 3. TERM The term of this Agreement will be effective for a period of one (1) year from the date first above written. The City Manager may amend the Agreement to extend it for two (2) additional one (1) year periods or parts thereof. Extensions will be based upon a satisfactory review of Contractor's performance, City needs, and appropriation of funds by the City Council. The parties will prepare a written amendment indicating the effective date and length of the extended Agreement. 4. TIME IS OF THE ESSENCE Time is of the essence for each and every provision of this Agreement. 5. COMPENSATION The total fee payable for the Services to be performed during the initial Agreement term shall not exceed fifteen thousand dollars ($15,000). No other compensation for the Services will be allowed except for items covered by subsequent amendments to this Agreement. If the City elects to extend the Agreement, Docusign Envelope ID: 1 DD78401-25F6-463F-BBAC-522EDBF9628B 8th January Agreement's terms and conditions. Page 2 City Attorney Approved Version 5/22/2024 the amount shall not exceed fifteen thousand dollars ($15,000) per Agreement year to be billed at the following rates: $300 per shoot (defined as a half hour to two (2) hour session in one (1) general location) $80 an hour for coordination of photo shoots, including securing locations, props and subjects The City reserves the right to withhold a ten percent (10%) retention until City has accepted the work and/or Services specified in Exhibit "A." Incremental payments, if applicable, should be made as outlined in attached Exhibit "A." 6. STATUS OF CONTRACTOR Contractor will perform the Services in Contractor's own way as an independent contractor and in pursuit of Contractor's independent calling, and not as an employee of City. Contractor will be under control of City only as to the result to be accomplished, but will consult with City as necessary. The persons used by Contractor to provide services under this Agreement will not be considered employees of City for any purposes. The payment made to Contractor pursuant to the Agreement will be the full and complete compensation to which Contractor is entitled. City will not make any federal or state tax withholdings on behalf of Contractor or its agents, employees or subcontractors. City will not be required to pay any workers' compensation insurance or unemployment contributions on behalf of Contractor or its employees or subcontractors. Contractor agrees to indemnify City within thirty (30) days for any tax, retirement contribution, social security, overtime payment, unemployment payment or workers' compensation payment which City may be required to make on behalf of Contractor or any agent, employee, or the indemnification amount from any balance owing to Contractor. 7. SUBCONTRACTING Contractor will not subcontract any portion of the Services without prior written approval of City. If Contractor subcontracts any of the Services, Contractor will be fully responsible to City for the acts and omissions of Contractor's subcontractor and of the persons either directly or indirectly employed by the subcontractor, as Contractor is for the acts and omissions of persons directly employed by Contractor. Nothing contained in this Agreement will create any contractual relationship between any subcontractor of Contractor and City. Contractor will be responsible for payment of subcontractors. Contractor will bind every subcontractor and every subcontractor of a subcontractor by the terms of this Agreement applicable to Contractor's work unless specifically noted to the contrary in the subcontract and approved in writing by City. 8. OTHER CONTRACTORS The City reserves the right to employ other Contractors in connection with the Services. 9. INDEMNIFICATION Contractor agrees to defend (with counsel approved by the City), indemnify, and hold harmless the City and its officers, elected and appointed officials, employees and volunteers from and against all claims, damages, losses and expenses including attorneys fees arising out of the performance of the work described herein caused by any negligence, recklessness, or willful misconduct of the Contractor, any Docusign Envelope ID: 1 DD78401-25F6-463F-BBAC-522EDBF9628B subcontractor of Contractor for work done under this Agreement. At the City's election, City may deduct Page 3 City Attorney Approved Version 5/22/2024 subcontractor, anyone directly or indirectly employed by any of them or anyone for whose acts any of them may be liable. Contractor and only to the extent required by Civil Code Section 2782.8, which is fully incorporated herein, Contractor the negligence, recklessness, or willful misconduct of the Contractor, and, upon Contractor obtaining a The parties expressly agree that any paym - a loss, expense or cost for the purposes of this section, and that this section will survive the expiration or early termination of this Agreement. 10. INSURANCE Contractor will obtain and maintain for the duration of the Agreement and any and all amendments, insurance against claims for injuries to persons or damage to property which may arise out of or in employees or subcontractors. The insurance will be obtained from an insurance carrier admitted and authorized to do business in the State of California. The insurance carrier is required to have a current Best's Key Rating of not less than "A-:VII"; OR with a surplus line insurer on the State of Cal Approved Surplus Line Insurers OR an alien non-admitted insurer listed by the National Association of Insurance Commissioners (NAIC) latest quarterly listings report. 10.1 Coverages and Limits. Contractor will maintain the types of coverages and minimum limits indicated below, unless Risk Manager or City Manager approves a lower amount. These minimum amounts of coverage will not constitute any limitations or cap on Contractor's indemnification obligations under this Agreement. City, its officers, agents and employees make no representation that the limits of the insurance specified to be carried by Contractor pursuant to this Agreement are adequate to protect Contractor. If Contractor believes that any required insurance coverage is inadequate, Contractor will obtain such additional insurance coverage, as Contractor deems adequate, at Contractor's sole expense. The full limits available to the named insured shall also be available and applicable to the City as an additional insured. 10.1.1 Commercial General Liability (CGL) Insurance. including personal & advertising injury, with limits no less than $2,000,000 per occurrence. If a general aggregate limit applies, either the general aggregate limit shall apply separately to this project/location or the general aggregate limit shall be twice the required occurrence limit. 10.1.2 Automobile Liability. (if the use of an automobile is involved for Contractor's work for City). $2,000,000 combined single-limit per accident for bodily injury and property damage. 10.1.3 Workers' Compensation and Employer's Liability. Workers' Compensation limits as required by the California Labor Code. Workers' Compensation will not be required if Contractor has no employees and provides, to City's satisfaction, a declaration stating this. Docusign Envelope ID: 1 DD78401-25F6-463F-BBAC-522EDBF9628B If Contractor's obligation to defend, indemnify, and/or hold harmless arises out of 's performance as a "design professional" (as that term is defined under Civil Code section 2782.8), then, 's indemnification obligation shall be limited to claims that arise out of, pertain to, or relate to final adjudication by a court of competent jurisdiction. Contractor's liability for such claim, including the cost to defend, shall not exceed the Contractor's proportionate percentage of fault. ent, attorney's fee, costs or expense City incurs or makes to or on behalf of an injured employee under the City's self administered workers' compensation is included as connection with performance of the services by Contractor or Contractor's agents, representatives, ifornia's List of (LASLI) with a rating in the latest Best's Key Rating Guide of at least "A:X"; ________________ Insurance written on an "occurrence" basis, Page 4 City Attorney Approved Version 5/22/2024 10.1.4 Professional Liability. with limits of not less than $1,000,000 per claim. Coverage must be maintained for a period of five years following the date of completion of the work. 10.2 Additional Provisions. Contractor will ensure that the policies of insurance required under this Agreement contain, or are endorsed to contain, the following provisions: 10.2.1 The City will be named as an additional insured on Commercial General Liability which shall provide primary coverage to the City. 10.2.2 Contractor will obtain occurrence coverage, excluding Professional Liability, which will be written as claims-made coverage. 10.2.3 If Contractor maintains higher limits than the minimums shown above, the City requires and will be entitled to coverage for the higher limits maintained by Contractor. Any available insurance proceeds 10.2.4 This insurance will be in force during the life of the Agreement and any extensions of it and will not be canceled without thirty (30) days prior written notice to City sent by certified mail pursuant to the Notice provisions of this Agreement. 10.3 Providing Certificates of Insurance and Endorsements. Prior to City's execution of this Agreement, Contractor will furnish certificates of insurance and endorsements to City. 10.4 Failure to Maintain Coverage. If Contractor fails to maintain any of these insurance coverages, then City will have the option to declare Contractor in breach, or may purchase replacement insurance or pay the premiums that are due on existing policies in order to maintain the required coverages. Contractor is responsible for any payments made by City to obtain or maintain insurance and City may collect these payments from Contractor or deduct the amount paid from any sums due Contractor under this Agreement. 10.5 Submission of Insurance Policies. City reserves the right to require, at any time, complete and certified copies of any or all required insurance policies and endorsements. 11. BUSINESS LICENSE Contractor will obtain and maintain a City of Carlsbad Business License for the term of the Agreement, as may be amended from time-to-time. 12. ACCOUNTING RECORDS Contractor will maintain complete and accurate records with respect to costs incurred under this Agreement. All records will be clearly identifiable. Contractor will allow a representative of City during normal business hours to examine, audit, and make transcripts or copies of records and any other documents created pursuant to this Agreement. Contractor will allow inspection of all work, data, documents, proceedings, and activities related to the Agreement for a period of four (4) years from the date of final payment under this Agreement. Docusign Envelope ID: 1 DD78401-25F6-463F-BBAC-522EDBF9628B ________ Errors and omissions liability appropriate to Contractor's profession in excess of the specified minimum limits of insurance and coverage will be available to the City." Page 5 City Attorney Approved Version 5/22/2024 13. OWNERSHIP OF DOCUMENTS All work product produced by Contractor or its agents, employees, and subcontractors pursuant to this Agreement is the property of City. In the event this Agreement is terminated, all work product produced by Contractor or its agents, employees and subcontractors pursuant to this Agreement will be delivered at once to City. Contractor will have the right to make one (1) copy of the work pro records. 14. COPYRIGHTS Contractor agrees that all copyrights that arise from the services will be vested in City and Contractor relinquishes all claims to the copyrights in favor of City. 15. NOTICES The name of the persons who are authorized to give written notice or to receive written notice on behalf of City and on behalf of Contractor under this Agreement are: For City: For Contractor: Name Kristina Ray Name Kristina Chartier Title Director Title Owner/Photographer Dept Communication & Engagement Address 16811 Falconridge Road CITY OF CARLSBAD Lithia, FL 33547 Address 1200 Carlsbad Village Drive Phone 858-692-0145 Carlsbad, CA 92008 Email kristina.chartier@gmail.com Phone 442-339-2957 Each party will notify the other immediately of any changes of address that would require any notice or delivery to be directed to another address. 16. CONFLICT OF INTEREST Contractor shall file a Conflict of Interest Statement with the City Clerk in accordance with the requirements of the City of Carlsbad Conflict of Interest Code. The Contractor shall report investments or interests as required in the City of Carlsbad Conflict of Interest Code. Yes No If yes, list the contact information below for all individuals required to file: Name Email Phone Number 17. GENERAL COMPLIANCE WITH LAWS Contractor will keep fully informed of federal, state and local laws and ordinances and regulations which in any manner affect those employed by Contractor, or in any way affect the performance of the Services by Contractor. Contractor will at all times observe and comply with these laws, ordinances, and Docusign Envelope ID: 1 DD78401-25F6-463F-BBAC-522EDBF9628B duct for Contractor's □ City Attorney Approved Version 5/22/2024 Page 6 regulations and will be responsible for the compliance of Contractor's services with all applicable laws, ordinances and regulations. Contractor will be aware of the requirements of the Immigration Reform and Control Act of 1986 and will comply with those requirements, including, but not limited to, verifying the eligibility for employment of all agents, employees, subcontractors and consultants whose services are required by this Agreement. 18. CALIFORNIA AIR RESOURCES BOARD (CARB) ADVANCED CLEAN FLEETS REGULATIONS -duty package delivery vehicles operated in California may be subject to the California Air Resources Board (CARB) Advanced Clean Fleets regulations. Such vehicles may therefore be subject to requirements to reduce emissions of air pollutants. For more information, please visit the CARB Advanced Clean Fleets webpage at https://ww2.arb.ca.gov/our-work/programs/advanced-clean-fleets. 19. DISCRIMINATION AND HARASSMENT PROHIBITED Contractor will comply with all applicable local, state and federal laws and regulations prohibiting discrimination and harassment. 20. DISPUTE RESOLUTION If a dispute should arise regarding the performance of the Services the following procedure will be used to resolve any questions of fact or interpretation not otherwise settled by agreement between the parties. Representatives of Contractor or City will reduce such questions, and their respective views, to writing. A copy of such documented dispute will be forwarded to both parties involved along with recommended methods of resolution, which would be of benefit to both parties. The representative receiving the letter will reply to the letter along with a recommended method of resolution within ten (10) business days. If the resolution thus obtained is unsatisfactory to the aggrieved party, a letter outlining the disputes will be forwarded to the City Manager. The City Manager will consider the facts and solutions recommended by each party and may then opt to direct a solution to the problem. In such cases, the action of the City Manager will be binding upon the parties involved, although nothing in this procedure will prohibit the parties from seeking remedies available to them at law. 21. TERMINATION In the event of the Contractor's failure to prosecute, deliver, or perform the Services, City may terminate this Agreement for nonperformance by notifying Contractor by certified mail of the termination. If City decides to abandon or indefinitely postpone the work or services contemplated by this Agreement, City may terminate this Agreement upon written notice to Contractor. Upon notification of termination, Contractor has five (5) business days to deliver any documents owned by City and all work in progress to City address contained in this Agreement. City will make a determination of fact based upon the work product delivered to City and of the percentage of work that Contractor has performed which is usable and of worth to City in having the Agreement completed. Based upon that finding City will determine the final payment of the Agreement. City may terminate this Agreement by tendering thirty (30) days written notice to Contractor. Contractor may terminate this Agreement by tendering thirty (30) days written notice to City. In the event of termination of this Agreement by either party and upon request of City, Contractor will assemble the work product and put it in order for proper filing and closing and deliver it to City. Contractor will be paid for work performed to the termination date; however, the total will not exceed the lump sum fee payable under this Agreement. City will make the final determination as to the portions of tasks completed and the compensation to be made. Docusign Envelope ID: 1 DD78401-25F6-463F-BBAC-522EDBF9628B Contractor's vehicles with a gross vehicle weight rating greater than 8,500 lbs. and light City Attorney Approved Version 5/22/2024 Page 7 22. COVENANTS AGAINST CONTINGENT FEES Contractor warrants that Contractor has not employed or retained any company or person, other than a bona fide employee working for Contractor, to solicit or secure this Agreement, and that Contractor has not paid or agreed to pay any company or person, other than a bona fide employee, any fee, commission, percentage, brokerage fee, gift, or any other consideration contingent upon, or resulting from, the award or making of this Agreement. For breach or violation of this warranty, City will have the right to annul this Agreement without liability, or, in its discretion, to deduct from the Agreement price or consideration, or otherwise recover, the full amount of the fee, commission, percentage, brokerage fees, gift, or contingent fee. 23. CLAIMS AND LAWSUITS By signing this Agreement, Contractor agrees that any Agreement claim submitted to City must be asserted as part of the Agreement process as set forth in this Agreement and not in anticipation of litigation or in conjunction with litigation. Contractor acknowledges that if a false claim is submitted to City, it may be considered fraud and Contractor may be subject to criminal prosecution. Contractor acknowledges that California Government Code sections 12650 et seq., the False Claims Act applies to this Agreement and, provides for civil penalties where a person knowingly submits a false claim to a public entity. These provisions include false claims made with deliberate ignorance of the false information or in reckless disregard of the truth or falsity of information. If City seeks to recover penalties pursuant to the False Claims Act, it is entitled to recover its litigation costs, including attorney's fees. Contractor acknowledges that the filing of a false claim may subject Contractor to an administrative debarment proceeding as the result of which Contractor may be prevented to act as a Contractor on any public work or improvement for a period of up to five (5) years. Contractor acknowledges debarment by another jurisdiction is grounds for City to terminate this Agreement. 24. JURISDICTION AND VENUE This Agreement shall be interpreted in accordance with the laws of the State of California. Any action at law or in equity brought by either of the parties for the purpose of enforcing a right or rights provided for by this Agreement will be tried in a court of competent jurisdiction in the County of San Diego, State of California, and the parties waive all provisions of law providing for a change of venue in these proceedings to any other county. 25. SUCCESSORS AND ASSIGNS It is mutually understood and agreed that this Agreement will be binding upon City and Contractor and their respective successors. Neither this Agreement nor any part of it nor any monies due or to become due under it may be assigned by Contractor without the prior consent of City, which shall not be unreasonably withheld. 26. THIRD PARTY RIGHTS Nothing in this Agreement should be construed to give any rights or benefits to any party other than the City and Contractor. 27. ENTIRE AGREEMENT This Agreement, together with any other written document referred to or contemplated by it, along with the purchase order for this Agreement and its provisions, embody the entire Agreement and understanding between the parties relating to the subject matter of it. In case of conflict, the terms of the Agreement supersede the purchase order. Neither this Agreement nor any of its provisions may be Docusign Envelope ID: 1 DD78401-25F6-463F-BBAC-522EDBF9628B City Attorney Approved Version 5/22/2024 Page 8 amended, modified, waived or discharged except in a writing signed by both parties. This Agreement may be executed in counterparts. 28. AUTHORITY The individuals executing this Agreement and the instruments referenced in it on behalf of Contractor each represent and warrant that they have the legal power, right and actual authority to bind Contractor to the terms and conditions of this Agreement. Executed by Contractor this___________ day of _______________________, 2025. CONTRACTOR CITY OF CARLSBAD, a municipal corporation of the State of California Kristina Chartier, DBA Kristina Chartier Photography, a sole proprietorship By: By: KRISTINA CHARTIER KRISTINA RAY Owner/Photographer Director Communication & Engagement ATTEST: SHERRY FREISINGER, City Clerk By: Deputy City Clerk If required by City, proper notarial acknowledgment of execution by contractor must be attached. If a corporation, Agreement must be signed by one corporate officer from each of the following two groups. Group A Group B Chairman, Secretary, President, or Assistant Secretary, Vice-President CFO or Assistant Treasurer Otherwise, the corporation must attach a resolution certified by the secretary or assistant secretary under corporate seal empowering the officer(s) signing to bind the corporation. APPROVED AS TO FORM: CINDIE K. McMAHON, City Attorney BY: _____________________________ Deputy / Assistant City Attorney Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B 6 January By: Deputy City Clerk City Attorney Approved Version 5/22/2024 Page 9 SCOPE OF SERVICES Photography of places, events and people in the City of Carlsbad. Direct and shoot outdoor/indoor photos of city events, projects, city staff and volunteers throughout various city locations. Coordinate with photo subjects in person or by phone about locations, time and dates of photo shoots. Identify and coordinate photo shoots at city locations, including city landmarks, buildings and events desired to use in printed and electronic city communications, such as the website, newsletters and brochures. Photos of people desired include high-quality, candid and posed images of people in Carlsbad locations for use in printed and electronic city communication, such as the website, newsletters and brochures. Photos of projects, landmarks, buildings and events desired include high-quality images in Carlsbad locations for use in printed and electronic city communications, such as the website, newsletters and brochures. A "photo shoot" is defined as a half hour to two (2) hour session in one (1) general location. Contractor will provide city employees with a disc of high resolution digital (JPEG) files of images taken at the photo shoot within seven (7) (working) days. Resolution and size of digital JPEG images high resolution digital files, no larger than 30x40. City employees will handle scheduling based on availability of photographer, models and locations, identifying locations and obtaining release forms for models (when needed). Contractor will be in charge of obtaining signed model release forms from individuals participating in photo shoot with forty- of model release forms. City employees will accompany photographer on shoots (when needed) and provide direction regarding desired shots. City employees will provide a description of each shoot, including time, location, desired images and models. City or Contractor may cancel a scheduled shoot with forty-eight (48) hours' notice for unavoidable, unscheduled and unanticipated schedule conflicts. City or Contractor may cancel a scheduled shoot with six hours' notice if weather conditions are deemed unacceptable for obtaining desired images. Photo shoots will generally occur during daylight hours. Most will occur between Monday and Friday, between the hours of 7:30 a.m. and 5:30 p.m., but up to twenty-five (25) percent of the shoots may occur during weekends. Contractor to edit photos as deemed necessary by the city and the photographer to correct for exposure or other imperfections. The cost includes the unlimited right of the City of Carlsbad to use the photos. Work (and all rights therein, including, without limitation, copyright) belongs to and shall be the sole and exclusive property of city. Contractor to provide camera equipment, including camera, batteries, power, flashes, film, light meters, tripods, memory cards. noted by city employees Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B EXHIBIT "A" eight (48) hours' advance notice from city staff. Contractor is responsible for printing copies K:ontractor's photos must be in color, unless otherwise City Attorney Approved Version 5/22/2024 Page 10 communication coordinator Deliver via email to the communication & engagement department a link to images of each photo shoot within one (1) week. For each task, Contractor will produce materials by specific deadlines created by communications department. Contractor will receive written notice from communications department for each task and deadline date for each task. Dates and times will be mutually agreed upon by the parties and subject to the availability of city staff and Contractor. Total for contract: Not to exceed $15,000 per Agreement year Services shall be billed at: $300 per shoot (defined as a half hour to two (2) hour session in one (1) general location) $80 an hour for coordination of photo shoots, including securing locations, props and subjects Other considerations Written work products must follow the City of Carlsbad writing style guidelines and be free from Contractor logos or other branding elements. any out of scope requests before commencing work. Contractor will provide invoices to the city in a format specified by the Communication & Engagement director. Contractor must get approval in advance in writing from the Communication & Engagement director prior to disclosing information about this contract or Contractor activities on behalf of the city, including using this project for marketing purposes, case studies, professional association presentations and any other purpose. Any creative/design products must conform of the City of Carlsbad brand guidelines. All work products must be provided in the following file formats: Microsoft Word or Google Docs (for documents) Microsoft Excel or Google Sheets (for spreadsheets) Microsoft PowerPoint or Google Slides for presentations Docusign Envelope ID: 1 DD78401-25F6-463F-BBAC-522EDBF9628B K:oordinate dates/times/locations with the city's communication director, manger or • • Contractor is responsible for alerting the city's project manager in advance in writing of • • • • • • Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B BUSINESS LICENSE RENEWAL NOTICE fl' PLEASE cRoss ouT ANY INCORRECT INFORMATION ~ City of & MAKE CHANGES DIRECTLY ON THIS FORM C l b d PLEASE COMPLETE AND RETURN MAKE CHECKS PAYABLE TO: CITY OF CARLSBAD *CHANGE OF BUSINESS OWNER/ENTITY OR BUSINESS ADDRESS REQUIRES A NEW APPLICATION ar s a 1635 FARADAY AVENUE CARLSBAD, CA 92008-7314 1. LOCATION OF BUSINESS OUT OF CITY 4• BUSINESS 16811 FALCONRIDGE RD LOCATION 5. BUSINESS KRISTINA CHARTIER OWNER 2. BUSINESS NAME & KRISTINA CHARTIER PHOTOGRAPHY 6. MAILING ADDRESS 16811 FALCONRIDGE RD LITHIA, FL 33547-5827 7. EMERGENCY CONTACT CHRISTOPHE CHARTER 12. BUSINESS TAX COMPUTATION Last Fiscal Year's Gross Receipts $ 20,000 Divide Line 12a by 1000 Subtotal 12b. $ 20 Multiply Line 12b by Tax Rate x$0.40 Subtotal 12c. $ 8 $25.00 Basic Fee and $4.00 State 12d + $ 29.00 Mandated Fee Subtotal (Add 12c + 12d) 12e. $ 37 TAX PENAL TY* (if due, see below) + $ BUSINESS TAX DUE 12f. $ 37 Number Of Employees: 1 PHONE: {442) 339-2495 EMAIL: business.license@carlsbadca.gov BUSINESS PHONE 3. STATE CONTR. UC. NO. (858) 692-0145 8. RETAIL SALES TAX NO. 9. LICENSE NUMBER BLOS009191-02-2021 10. LICENSE EXPIRATION DATE 01/31/2025 11. EMAIL ADDRESS KRISTINA.CHARTIER@GMAIL.COM PHONE# {858) 692-0145 *** FOR THE PURPOSE OF DETERMINING THE CORRECT TAX TO BE COLLECTED, THE LICENSE COLLECTOR MAY AT ANY TIME REQUIRE A LICENSEE TO FURNISH HIS OR HER BOOKS OF ACCOUNT AND RECORDS FOR INSPECTION AND AUDIT AND MAY REQUIRE THE PRODUCTION OF OTHER DOCUMENTS AND INFORMATION REGARDING THE BUSINESS AS AUTHORIZED BY LAW <--$34 MINIMUM FEE (ROUND UP TO MINIMUM IF CALCULATED TOTAL IS LESS) ************************************************** * REMEMBER: YOU CAN RENEW, MAKE PAYMENTS AND * REQUEST ACCOUNT CHANGES ONLINE. IF YOU HAVE NOT * REGISTERED FOR AN ACCOUNT, PLEASE VISIT: * * * https://eg.carlsbadca.gov * * * * * * ************************************************** If you are no longer doing business in Carlsbad, please indicate date business ceased doing business on the renewal form, sign, and return to the City so that we can update our records. License Number: BLOS009191-02-2021 □ PLEASE CHECK THIS BOX IF YOU ARE NO LONGER CONDUCTING BUSINESS IN THE CITY OF CARLSBAD. DATE: I DECLARE THAT I HAVE EXAMINED THIS RETURN TO KNOWLEDGE AND BELIEF IT IS TR CORRECT AND COMPLETE. 16. SIGNED X DATE: 1/1/2025 PAYMENT DUE DATE: 01/31/2025 BUSINESS LICENSE CERTIFICATE WILL BE ISSUED UPON RECEIPT OF TOTAL TAX DUE AND VERIFICATION IF REQUIRED BY CITY. *TAX PENALTY FEES (AFTER EXPIRATION DATE): 0-59 DAYS PAST DUE-> NO TAX PENALTY 60 -89 DAYS PAST DUE-> 25% OFTAX DUE GREATER THAN 89 DAYS PAST DUE-> 50% OF TAX DUE 17. PRINT NAME Kristina Chartier TITLE: Photographer Doc usign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B ~ er CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DDNYYY) A.CC!R . 12/31/2024 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATIONIS 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). PRODUCER CONTACT HILL & USHER INS & SURETY/PHS NAME: 59302202 PHONE (866) 467-8730 IFAX (888) 443-6112 (A/C, No, Ext): (A/C, No): The Hartford Business Service Center 3600 Wiseman Blvd E-MAIL San Antonio, TX 78251 ADDRESS: INSURER($) AFFORDING COVERAGE NAIC# INSURED Property and Casualty Insurance Company 34690 Kristina Chartier INSURER A : of Hartford 16811 FALCONRIDGE RD INSURERS : LITHIA FL 33547-5827 INSURERC : INSURERD: INSURERE : INSURERF : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: 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. INSR TYPE OF INSURANCE ADDL SUBR POLICY NUMBER POLICYEFF POLICY EXP LIMITS LTR INSR WVD IMM/DDNYYY\ IMM/DD/Y VYVI COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $2,000,000 - ~CLAIMS-MADE 0occuR DAMAGE TO RENTED PREMISES IEa occurrence\ $1 ,000,000 - X General Liability MED EXP (Any one person) $10,000 A 59 SBU BN0VPM 01/01/2025 01/01/2026 PERSONAL & ADV INJURY $2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $4,000,000 4POLICY □ PRO-□LOC PRODUCTS -COMP/OP AGG $4,000,000 JECT OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $2,000,000 I /Ea accident) - ANY AUTO BODILY INJURY (Per person) -ALL OWNED -SCHEDULED A AUTOS AUTOS 59 SBU BN0VPM 01/01/2025 01/01/2026 BODILY INJURY (Per accident) -HIRED >--NON-OWNED PROPERTY DAMAGE X AUTOS X AUTOS (Per accident) ->-- UMBRELLA LIAB 7 OCCUR EACH OCCURRENCE -CLAIMS-EXCESSLIAB AGGREGATE MADE DEDI I RETENTION $ WORKERS COMPENSATION IPER I IOTH- AND EMPLOYERS' LIABILITY STATUTE ER ANY Y/N E.L. EACH ACCIDENT PROPRIETOR/PARTNER/EXECUTIVE L N/A OFFICER/MEMBER EXCLUDED? E.L. DISEASE -EA EMPLOYEE (Mandatory in NH) If yes, describe under E.L. DISEASE -POLICY LIMIT DESCRIPTION OF OPERATIONS below A Professional Liability 59 SBU BN0VPM 01/01/2025 01/01/2026 Each Claim Limit $1,000,000 Aggregate Limit $1,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) The Business Liability Coverage Part includes a Blanket Additional Insured By Contract Endorsement, Form SL 30 32. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE d'Ue'Ja/)£ Cao~ © 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B IMPORTANT NOTICE TO POLICYHOLDERS WITH PREMISES OR OPERATIONS IN FLORIDA Florida Insurance Guaranty Association Companies writing property and casualty insurance business in Florida are required to participate in the Florida Insurance Guaranty Association (FIGA). The Florida Insurance Guaranty Association administers assessments that are necessary for the payment of covered claims. Florida requires companies to surcharge policies to recover these assessments. Your policy includes a surcharge, which will appear as FIGA Assessment Surcharge on the Declarations Page. Failure to pay the surcharge(s) by the policyholder shall be treated as non-payment of premium and will be sufficient cause to cancel the policy. IF YOU HAVE ANY QUESTIONS ABOUT THE FIGA ASSESSMENT SURCHARGE, PLEASE CONTACT YOUR HARTFORD AGENT. Form G-3419-2 © 2022, The Hartford Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B IMPORTANT NOTICE TO POLICYHOLDERS THE HARTFORD CYBER CENTER WEBSITE ACCESS Thank you for choosing The Hartford for your business insurance needs. THE HARTFORD You are receiving this Notice because you purchased a business owner's policy from The Hartford, (your Policy was issued by The Hartford writing company identified on your policy Declarations page) which includes access to The Hartford Cyber Center. This portal was created because we recognize that businesses face a variety of cyber-related exposures and need help managing the related risks. These exposures include data breaches, computer virus attacks and cyber extortion threats. Through The Hartford Cyber Center, you have access to: 1. A panel of third party incident response service providers 2. Third party cybersecurity pre-incident service providers and a list of approved services to help protect your business before a cyber-threat occurs 3. Risk management tools, including self-assessments, best practice guides, templates, sample incident response plans, and data breach cost calculators 4. White papers, biogs and webinars from leading privacy and security practitioners 5. Up-to-date cyber-related news and events, including examples of privacy and security related events Accessing The Hartford Cyber Center is easy 1. Visit www.thehartford.com/cybercenter 2. Enter policyholder information 3. Access code: 952689 4. Login to The Hartford Cyber Center This Notice does not amend or otherwise affect the provisions of your business owner's policy. Coverage Options: The Hartford offers a variety of endorsements to your business owner's policy that can help protect your business from a broad range of cyber-related threats. Please review your coverage with your insurance agent or broker to determine the most appropriate cyber coverages and limits for your business. Claims Reporting: If you have a claim, you can report it by calling The Hartford's toll-free claims line at 1-800-327-3636. Should you have any questions, please contact your insurance agent, broker or you may contact us directly. We appreciate your business and look forward to being of continued service to you. Please be aware that: 1. The Hartford Cyber Center is a proprietary web portal exclusively provided to customers of The Hartford. Please do not share the access code with anyone outside your organization. 2. Registration is required to access the Cyber Center. You may register as many users as necessary. 3. Contacting a service provider about any issue does not constitute providing The Hartford notice of a claim as required under your insurance policy. Read your insurance policy and discuss any questions with your agent or broker. The Hartford Cyber Center provides third party service provider references and materials for educational purposes only. The Hartford does not specifically endorse any such service provider within The Hartford Cyber Center and hereby disclaims all liability with respect to use of or reliance on such service providers. All service providers are independent contractors and not agents of The Hartford. The Hartford does not warrant the performance of the service providers, even if such services are covered under your Business Owners Policy. We strongly encourage you to conduct your own assessments of the service providers' services and the fitness or adequacy of such services for your particular needs. Form SC 90 0410 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B THE;r HARTFORD BUSINESS OWNER'S POLICY Form: SC 00 12 10 18 00206588 Together We Prevail™ Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B Declarations: Business Owner's Policy Policy Number: 59 SBU BN0VPM Policy Period: 01/01/2025 to 01/01/2026, 12:01 a.m., Standard time at your mailing address shown here. Exception: 12 noon in New Hampshire. Insurer: Property and Casualty Insurance Company of Hartford, a property and casualty company of The Hartford. One Hartford Plaza, Hartford, CT 06155 Named Insured and Mailing Address: Kristina Chartier 16811 FALCONRIDGE RD LITHIA, FL 33547-5827 Type of Business: Videography Services Name of Agency/Broker: HILL & USHER INS & SURETY/PHS 3033 N 44TH STREET SUITE 300 PHOENIX, AZ 85018 Code: 59302202 Previous Policy Number: New Organization Type: Individual Audit Period: Non-Auditable Insurance Provided: In return for the payment of the premium and subject to all of the terms of this policy, we agree with you to provide insurance as stated in this policy. TOTAL PREMIUM: $815* Total Premium includes the premium for all Coverage Parts issued to you in this policy, as well as any companion policies delivered with this policy. Total Premium includes any applicable fees and surcharges. Total Premium may change based on coverage changes made through endorsement or if your policy is subject to Premium Audit. Countersigned by: (f ~ of. Cac:;~ 12/31/2024 Authorized Representative Date A Business Owner's Policy typically covers property and business liability risks. Generally, Property insurance pays you if a covered cause of loss damages property that you own, rent or lease. Business liability insurance pays in certain cases where something you do or something you own causes injury or damage to someone else, or someone else's property. Please see the coverages and limits described in your Declarations for details regarding the insurance you purchased. This Spectrum® Business Owner's Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies. Form: SC 00 01 10 18 Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B Declarations: Business Owner's Policy Glossary of Terms* TERM I DEFINITION Audit Period Your Policy period, which may be auditable or non-auditable. If your Policy is auditable, we will examine your business records to determine actual exposures for final premium calculation. Base Coverage Form Each Coverage Part has a form that explains, generally, what is and is not covered. This is the first building block of the Coverage Part. All other forms directly or indirectly modify the Base Coverage Form and are attached to it. Coverage Part A section of the Policy for a particular coverage. Unless otherwise stated in a specific Coverage Part, a Coverage Part consists of a Declarations page, a Base Coverage Form, all forms that modify the Base Coverage Form, and other forms applicable to the Coverage Part or the entire Policy. Declarations The part of the insurance contract that specifies the named insured, address, policy period, covered locations, limits of insurance and other key information such as forms applicable to the Coverage Part. Policy A contract between you and us to provide you with certain insurance coverages. Your Spectrum Business Owner's Policy consists of all Coverage Parts and forms common to some or all Coverage Parts. *The terms and definitions contained in the Glossary of Terms are provided to help you better understand your Business Owners Policy and how it is constructed. These terms and definitions are not definitions that apply to any Coverage Part or Policy you have purchased and should not be construed as such. Please refer to the applicable provisions in your coverage parts or policies for complete details of the defined terms, including but not limited to the applicable Definitions section of such Coverage Part or Policy. Form: SC 00 01 10 18 2 Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B Declarations: Locations and Location-Based Coverages Here's how your Business Owner's insurance coverage and limits apply to your business locations (LOC). If you have more than one location or building (BLDG), we break out your coverage and limits separately for each LOC. LOC 1, BLDG 1 Class: Videography Services Location: 16811 FALCONRIDGE RD LITHIA.FL 33547-5827 Form: SC 00 01 10 18 3 Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B Declarations: Business Liability Coverage Part Your policy includes the liability coverages listed below. The limits in the right-hand column show the maximum amount we'll pay. FORM NUMBER FORM NAME LIMIT OF INSURANCE SL 00 00 10 18 BUSINESS LIABILITY COVERAGE FORM Damage To Premises Rented To You Limit $1 ,000,000 General Aggregate Limit $4,000,000 Liability and Medical Expenses Limit $2,000,000 Medical Expenses Limit $10,000 Personal and Advertising Injury Limit $2,000,000 Products-Completed Operations Aggregate Limit $4,000,000 Property Damage Liability Deductible No Deductible ADDITIONAL BUSINESS LIABILITY COVERAGES SL 30 32 06 21 BLANKET ADDITIONAL INSURED BY CONTRACT lncluded1 SL 30 2310 18 ELECTRONIC MEDIA LIABILITY lncluded1 SL 30 2610 18 HIRED AUTO AND NON-OWNED AUTO LIABILITY lncluded1 'Included in Business Liability Limit(s) Form Number Form Name SL 20 0610 18 EXCLUSION -NUCLEAR ENERGY LIABILITY SL21150922 EXCLUSION -PERFLUOROALKYL AND POL YFLUOROALKYL SUBSTANCES (PFAS) SL 20 7810 18 EXCLUSION -SILICA -BUSINESS LIABILITY COVERAGE FORM BUSINESS LIABILITY COVERAGE PREMIUM: $280* * Price is subject to fees and surcharges. For more details, refer to Page 6 Form: SC 00 01 10 18 4 Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B Declarations: Other Liability Coverages Your policy also includes the following additional liability Coverage Parts or polices. Please see the applicable Declaration form for details. DECLARATION I COVERAGE NAME I PREMIUM FORM NUMBER SL 55 7410 18 Employment Practices Liability Insurance Included SL 50 00 10 18 Professional Liability $400 Declarations: Common Forms Your policy includes the Common Forms listed below. These forms apply to all Coverage Parts on your policy. FORM NUMBER I FORM NAME SC 00 00 10 18 COMMON POLICY CONDITIONS SC 00 0110 18 DECLARATIONS: BUSINESS OWNER'S POLICY SC 70 00 12 20 DISCLOSURE -CAP ON LOSSES -TERRORISM RISK INSURANCE ACT SC 010909 24 FLORIDA CHANGES -COMMON POLICY CONDITIONS IH12050221 GOODS AND SERVICES ENDORSEMENT SC 50 1510 18 IMPORTANT NOTICE FOR FLORIDA POLICYHOLDERS SC 50 6306 20 IMPORTANT NOTICE TO POLICYHOLDER'S SC 90 0410 18 IMPORTANT NOTICE TO POLICYHOLDERS THE HARTFORD CYBER CENTER WEBSITE ACCESS G-3419-2 IMPORTANT NOTICE TO POLICYHOLDERS WITH PREMISES OR OPERATIONS IN FLORIDA 100722 INSURANCE POLICY BILLING INFORMATION SC 50 3110 18 PRODUCER COMPENSATION NOTICE SC 00 12 10 18 SPECTRUM BUSINESS OWNER'S POLICY JACKET SC 90 1510 18 US DEPARTMENT OF THE TREASURY, OFFICE OF FOREIGN ASSETS CONTROL (OFAC) ADVISORY NOTICE TO POLICYHOLDERS Form: SC 00 01 10 18 5 Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B Declarations: Other Charges States laws and regulations may require you to pay taxes, fees, surcharges or other costs. We've listed those charges below DESCRIPTION I COST Other Premiums Policy Base Premium $118 Terrorism Premium $4 Fees, Surcharges and Taxes 2025-1 FIGA Assessment $8 Florida Emergency Management Surcharge $4 Florida Fire (College) Marshal $1 Form: SC 00 01 10 18 6 Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B Declarations: Professional Liability Coverage Part NOTICE: COVERAGE APPLIES ONLY TO CLAIMS FIRST MADE AGAINST THE INSURED DURING THE POLICY PERIOD OR APPLICABLE EXTENDED REPORTING PERIOD AND WHICH HAVE BEEN REPORTED TO US IN ACCORDANCE WITH THE APPLICABLE NOTICE PROVISIONS. THE LIMITS OF LIABILITY AVAILABLE TO PAY DAMAGES SHALL BE REDUCED BY AMOUNTS INCURRED AS CLAIMS EXPENSES. THE DEDUCTIBLE IS APPLICABLE TO CLAIMS EXPENSES AND DAMAGES. PLEASE READ THE ENTIRE POLICY CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER. This Declarations Page, with Common Policy Conditions, Professional Liability Coverage Form and Endorsements, if any, issued to form a part thereof, shall together constitute this Professional Liability Coverage Part which in turn forms a part of the Policy Number shown below. The Nuclear Energy Liability Exclusion (Form SL 20 06) of the Policy to which this Coverage Part is attached also applies to this Coverage Part. Policy Number: 59 SBU BN0VPM Policy Period Effective Date: 01/01/2025 Expiration Date: 01/01/2026 12:01 A.M., Standard time at the address of the named insured as stated herein. Insurer: Property and Casualty Insurance Company of Hartford One Hartford Plaza, Hartford , CT 06155 Named Insured and Mailing Address: Kristina Chartier DBA: Kristina Chartier Photography 16811 FALCONRIDGE RD LITHIA, FL 33547-5827 Named Insured Is: Kristina Chartier PREMIUM: $400 This Spectrum® Business Owner's Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies. CONTINUED Form: SL 50 00 10 18 Process Date: 12/31/2024 Policy Expiration Date: 01/01/2026 HARTFORD Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B Declarations: Professional Liability Coverage Part CONTINUED POLICY PERIOD EFFECTIVE DATE: 01/01/2025 EXPIRATION DATE: 01/01/2026 12:01 A.M., Standard time at the address of the named insured as stated herein. LIMITS OF LIABILITY INSURANCE EACH CLAIM LIMIT: $1 ,000,000 AGGREGATE LIMIT: $1 ,000,000 CLAIM EXPENSE EACH CLAIM LIMIT: $No Coverage CLAIM EXPENSE AGGREGATE LIMIT: $No Coverage SUBPOENA ASSISTANCE CLAIM EXPENSE SUB-LIMIT: $25,000 DISCIPLINARY PROCEEDINGS CLAIM EXPENSE SUB-LIMIT: $25,000 RETROACTIVE DATE: 01/01/2025 DEDUCTIBLE: $1 ,000 Each Claim Deductible If no date is entered, the Retroactive Date is the same as the effective date of this Coverage Part. Form Numbers of Forms and Endorsements that apply: FORM NUMBER SC 00 00 10 18 SL 20 06 10 18 SL50051018 SL50451018 SL50341018 SL50001018 Countersigned by: FORM NAME COMMON POLICY CONDITIONS EXCLUSION -NUCLEAR ENERGY LIABILITY FLORIDA AMENDATORY ENDORSEMENT -PROFESSIONAL LIABILITY PROFESSIONAL LIABILITY COVERAGE FORM PROFESSIONAL SERVICES ENDORSEMENT -VIDEOGRAPHY SERVICES AND PHOTOGRAPHY SERVICES PROFESSIONAL LIABILITY DECLARATIONS 12/31/2024 Authorized Representative Date Form: SL 50 00 10 18 Process Date: 12/31/2024 Policy Expiration Date: 01/01/2026 2 HARTFORD Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B f;i Declarations: Employment Practices Liability Coverage Part COVERAGE PROVIDED BY THIS COVERAGE PART IS CLAIMS MADE COVERAGE. EXCEPT AS OTHERWISE SPECIFIED HEREIN: COVERAGE APPLIES ONLY TO A CLAIM FIRST MADE AGAINST THE INSUREDS DURING THE POLICY PERIOD AND WHICH HAS BEEN REPORTED TO US IN ACCORDANCE WITH THE APPLICABLE NOTICE PROVISIONS. COVERAGE IS SUBJECT TO THE INSURED'$ PAYMENT OF THE APPLICABLE DEDUCTIBLE. PAYMENTS OF CLAIM EXPENSES ARE SUBJECT TO, AND REDUCE, THE AVAILABLE LIMITS OF LIABILITY. PLEASE READ THE COVERAGE PART CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER. UPON TERMINATION OF THIS COVERAGE PART, EXTENDED REPORTING PERIOD COVERAGE IS AVAILABLE. This Declarations Page, with Common Policy Conditions, Employment Practices Liability Coverage Form and Endorsements, if any, shall together constitute this Employment Practices Liability Coverage Part, which in turn forms a part of the Policy Number shown below. The Nuclear Energy Liability Exclusion (Form SL 20 06) of the Policy to which this Coverage Part is attached also applies to this Coverage Part. Policy Number: 59 SBU BN0VPM Policy Period Effective date: 01/01/2025 Expiration date: 01/01/2026 12:01 A.M., Standard time at the address of the named insured as stated herein. 12 noon in New Hampshire. Insurer: Property and Casualty Insurance Company of Hartford One Hartford Plaza, Hartford, CT 06155 Named Insured and Mailing Address: Kristina Chartier DBA: Kristina Chartier Photography 16811 FALCONRIDGE RD LITHIA, FL 33547-5827 PREMIUM: Included This Spectrum® Business Owner's Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies. Form: SL 55 74 10 18 Process Date: 12/31/2024 Policy Expiration Date: 01/01/2026 HARTFORD Docusign Envelope ID: 1 DD7B401-25F6-463F-BBAC-522EDBF9628B f;i Declarations: Employment Practices Liability Coverage Part CONTINUED POLICY PERIOD EFFECTIVE DATE: 01/01/2025 EXPIRATION DATE: 01/01/2026 12:01 A.M., Standard time at the address of the named insured as stated herein. Exception: 12 noon in New Hampshire. LIMITS OF LIABILITY EACH CLAIM LIMIT: $25,000 ANNUAL AGGREGATE LIMIT: $25,000 RETROACTIVE DATE: 01/01/2025 If no date is entered, the Retroactive Date is the same as the effective date of this Coverage Part. DEDUCTIBLE: None Form Numbers of Forms and Endorsements that apply: FORM NUMBER SL 55 74 10 18 SL 55 34 10 18 SL55371018 SL 55 02 10 18 SL 55 36 10 18 SL 55 44 10 18 Countersigned by: Form: SL 55 74 10 18 Process Date: 12/31/2024 FORM NAME DECLARATIONS -EMPLOYMENT PRACTICES LIABILITY COVERAGE PART WAGE AND HOUR CLAIMS EXPENSES -EMPLOYMENT PRACTICES LIABILITY RETROACTIVE DATE ENDORSEMENT -EMPLOYMENT PRACTICES LIABILITY EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM (CLAIMS MADE) THIRD PARTY LIABILITY ENDORSEMENT -EMPLOYMENT PRACTICES LIABILITY FLORIDA CHANGES -EMPLOYMENT PRACTICES LIABILITY 12/31/2024 Authorized Representative Date Policy Expiration Date: 01/01/2026 2 HARTFORD