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EsGil Corporation; 2017-06-14;
City Attorney Approved Version 1/30/13 1 AMENDMENT NO. 1 TO EXTEND AND AMEND AGREEMENT FOR BUILDING PLAN CHECK SERVICES ESGIL, LLC. This Amendment No. 1 is entered into and effective as of the _______ day of ___________________________, 2020, extending and amending the agreement dated June 14, 2017 (the “Agreement”) by and between the City of Carlsbad, a municipal corporation, ("City"), and EsGil, LLC., a California corporation (“Contractor") (collectively, the “Parties”) for building plan check services. RECITALS A.The Parties desire to extend the Agreement for a period of one (1) year; and B.The Parties have negotiated and agreed to a supplemental scope of work and feeschedule, which is attached to and incorporated in by this reference as Exhibit “A”, Scope of Services and Fee. NOW, THEREFORE, in consideration of these recitals and the mutual covenants contained herein, City and Contractor agree as follows: 1.That the Agreement, as may have been amended from time to time, is herebyextended for a period of one (1) year ending on June 14, 2021. 2.In addition to those services contained in the Agreement, as may have beenamended from time to time, Contractor will provide those services described in Exhibit "A". 3.City will pay Contractor for all work associated with those services described inExhibit “A” and Contractor will provide City, on a monthly basis, copies of invoices sufficiently detailed to include hours performed, hourly rates, and related activities and costs for approval by City. 4.All other provisions of the Agreement, as may have been amended from time totime, will remain in full force and effect. 5.All requisite insurance policies to be maintained by the Contractor pursuant to theAgreement, as may have been amended from time to time, will include coverage for this Amendment. DocuSign Envelope ID: 05371E0C-C0E6-485A-BB81-34EB1C2F8AB4DocuSign Envelope ID: 5A7A9FD3-5C8C-4F12-80F7-C00BF19A6638DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE 21st May City Attorney Approved Version 1/30/13 2 6. The individuals executing this Amendment 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 Amendment. ESGIL, LLC, a California corporation CITY OF CARLSBAD, a municipal corporation of the State of California By: By: (sign here) SCOTT CHADWICK City Manager Thomas P. Wilkas, CFO ATTEST: By: (sign here) BARBARA ENGLESON City Clerk Tom Brackett, CEO 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, President, or Vice-President Secretary, Assistant Secretary, 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: CELIA A. BREWER, City Attorney BY: _____________________________ Assistant City Attorney DocuSign Envelope ID: 05371E0C-C0E6-485A-BB81-34EB1C2F8AB4DocuSign Envelope ID: 5A7A9FD3-5C8C-4F12-80F7-C00BF19A6638DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE City Attorney Approved Version 1/30/13 3 EXHIBIT “A” SCOPE OF SERVICES AND FEE Scope of work: 1.Contractor will provide building inspection and permit technician services on an as-requested basis. Fees: 1.Initial plan review For building code plan reviews (including plumbing, mechanical, electrical, energy and disabled access), Contractors fee will be as follows: •City of Carlsbad FY 20/21 equal to 65% of Building Permit Fee collected by the City. Additional/updated hourly rates: 1.I.C.C. plans examiner, $95.00 2.Building Inspector, $90.00 3.Permit Technician, $75.00 DocuSign Envelope ID: 05371E0C-C0E6-485A-BB81-34EB1C2F8AB4DocuSign Envelope ID: 5A7A9FD3-5C8C-4F12-80F7-C00BF19A6638DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. INSURER(S) AFFORDING COVERAGE INSURER F : INSURER E : INSURER D : INSURER C : INSURER B : INSURER A : NAIC # NAME:CONTACT (A/C, No):FAX E-MAILADDRESS: PRODUCER (A/C, No, Ext):PHONE INSURED REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. OTHER: (Per accident) (Ea accident) $ $ N / A SUBR WVD ADDL INSD THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THISCERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. $ $ $ $PROPERTY DAMAGE BODILY INJURY (Per accident) BODILY INJURY (Per person) COMBINED SINGLE LIMIT AUTOS ONLY AUTOSAUTOS ONLY NON-OWNED SCHEDULEDOWNED ANY AUTO AUTOMOBILE LIABILITY Y / N WORKERS COMPENSATION AND EMPLOYERS' LIABILITY OFFICER/MEMBER EXCLUDED?(Mandatory in NH) DESCRIPTION OF OPERATIONS belowIf yes, describe under ANY PROPRIETOR/PARTNER/EXECUTIVE $ $ $ E.L. DISEASE - POLICY LIMIT E.L. DISEASE - EA EMPLOYEE E.L. EACH ACCIDENT EROTH-STATUTEPER LIMITS(MM/DD/YYYY)POLICY EXP(MM/DD/YYYY)POLICY EFFPOLICY NUMBERTYPE OF INSURANCELTRINSR DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) EXCESS LIAB UMBRELLA LIAB $EACH OCCURRENCE $AGGREGATE $ OCCUR CLAIMS-MADE DED RETENTION $ $PRODUCTS - COMP/OP AGG $GENERAL AGGREGATE $PERSONAL & ADV INJURY $MED EXP (Any one person) $EACH OCCURRENCE DAMAGE TO RENTED $PREMISES (Ea occurrence) COMMERCIAL GENERAL LIABILITY CLAIMS-MADE OCCUR GEN'L AGGREGATE LIMIT APPLIES PER: POLICY PRO-JECT LOC CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) CANCELLATION AUTHORIZED REPRESENTATIVE ACORD 25 (2016/03) © 1988-2015 ACORD CORPORATION. All rights reserved. CERTIFICATE HOLDER The ACORD name and logo are registered marks of ACORD HIREDAUTOS ONLY 9/25/2019 RBN Insurance Services303EWackerDrSte650ChicagoIL60601 312-856-9400 312-856-9425 ckost@rbninsurance.com Hartford Fire Insurance Co.19682 SAFELLC-01 Hartford Casualty Insurance Co 29424EsGil,LLC9320Chesapeake Drive,Ste 208SanDiegoCA92123 Navigators Insurance Company 42307 Twin City Fire Insurance Co.29459 Great American E&S Ins.Co.37532 1761017745 A X 1,000,000 X 300,000 10,000 1,000,000 2,000,000 X Y Y 83UENZV3951 10/3/2019 10/3/2020 2,000,000 B 1,000,000 X X X Y Y 83UENPY9100 10/3/2019 10/3/2020 C X 10,000,000 X CH19EXC885600IV 10/3/2019 10/3/2020 10,000,000 X 0 D XY83WECE06235/12/2019 5/12/2020 1,000,000 1,000,000 1,000,000 E ProfessionalLiability TER285-99-95 10/3/2019 10/3/2020 Each Claim/Aggregate 9,000,000 City of Carlsbad,(or if applicable -the City of Carlsbad Redevelopment Agency,Housing Authority or Carlsbad Municipal Water District)and its elected andappointedofficials,officers,employees and volunteers are Additional Insureds as respects General Liability and Auto Liability as required by written contract.General Liability,Auto Liability and Workers Compensation Waivers of Subrogation in favor of the Additional Insuredsapplyasrequiredbywrittencontract.General Liability and Auto Liability is on a primary and non-contributory basis as required by a written contract.Professional Liability -Claims made,defense costs included within limit. City of Carlsbad Building Department1635FaradayAvenueCarlsbadCA92008 DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE POLICYNUMBER:83UENZV3951COMMERCIALGENERALLIABILITYCOVERAGEFORMVariousprovisionsinthispolicyrestrictcoverage.Readtheentirepolicycarefullytodeterminerights,dutiesandwhatisandisnotcovered.Throughoutthispolicythewords“you”and“your”refertotheNamedInsuredshownintheDeclarations,andanyotherpersonororganizationqualifyingasaNamedInsuredunderthispolicy.Thewords“we”,“us”and“our”refertothestockinsurancecompanymemberofTheHartfordprovidingthisinsurance.Theword“insured”meansanypersonororganizationqualifyingassuchunderSectionII-WhoIsAnInsured.Otherwordsandphrasesthatappearinquotationmarkshavespecialmeaning.RefertoSectionV-Definitions.SECTIONI-COVERAGESCOVERAGEABODILYINJURYANDPROPERTYDAMAGELIABILITY1.InsuringAgreementa.Wewillpaythosesumsthattheinsuredbecomeslegallyobligatedtopayasdamagesbecauseof“bodilyinjury”or“propertydamage”towhichthisinsuranceapplies.Wewillhavetherightanddutytodefendtheinsuredagainstany“suit”seekingthosedamages.However,wewillhavenodutytodefendtheinsuredagainstany“suit”seekingdamagesfor“bodilyinjury”or“propertydamage”towhichthisinsurancedoesnotapply.Wemay,atourdiscretion,investigateany“occurrence”andsettleanyclaimor“suit”thatmayresult.But:(1)TheamountwewillpayfordamagesislimitedasdescribedinSectionIII-LimitsOfInsurance;and(2)OurrightanddutytodefendendswhenwehaveuseduptheapplicablelimitofinsuranceinthepaymentofjudgmentsorsettlementsunderCoveragesAorBormedicalexpensesunderCoverageC.NootherobligationorliabilitytopaysumsorperformactsorservicesiscoveredunlessexplicitlyprovidedforunderSupplementaryPayments-CoveragesAandB.b.Thisinsuranceappliesto“bodilyinjury”and“propertydamage”onlyif:(1)The“bodilyinjury”or“propertydamage”iscausedbyan“occurrence”thattakesplaceinthe“coverageterritory”;(2)The“bodilyinjury”or“propertydamage”occursduringthepolicyperiod;and(3)Priortothepolicyperiod,noinsuredlistedunderParagraphI.ofSectionII-WhoIsAnInsuredandno“employee”authorizedbyyoutogiveorreceivenoticeofan“occurrence”orclaim,knewthatthe“bodilyinjury”or“propertydamage”hadoccurred,inwholeorinpart.Ifsuchalistedinsuredorauthorized“employee”knew,priortothepolicyperiod,thatthe“bodilyinjury”or“propertydamage”occurred,thenanycontinuation,changeorresumptionofsuch“bodilyinjury”orpropertydamage”duringorafterthepolicyperiodwillbedeemedtohavebeenknownpriortothepolicyperiod.c.“Bodilyinjury”or“propertydamage”willbedeemedtohavebeenknowntohaveoccurredattheearliesttimewhenanyinsuredlistedunderParagraph1.ofSectionII-WhoIsAnInsuredorany“employee”authorizedbyyoutogiveorreceivenoticeofan“occurrence”orclaim:(1)Reportsall,oranypart,ofthe“bodilyinjury”or“propertydamage”tousoranyotherinsurer;(2)Receivesawrittenorverbaldemandorclaimfordamagesbecauseofthe“bodilyinjury”or“propertydamage”;or(3)Becomesawarebyanyothermeansthat“bodilyinjury”or“propertydamage”hasoccurredorhasbeguntooccur.d.Damagesbecauseof“bodilyinjury”includedamagesclaimedbyanypersonororganizationforcare,lossofservicesordeathresultingatanytimefromthe“bodilyinjury”.e.IncidentalMedicalMalpracticeAndGoodSamaritanCoverage“Bodilyinjury”arisingoutoftherenderingoforfailuretorenderthefollowinghealthcareservicesbyany“employee”or“volunteerworker”shallbedeemedtobecausedbyan“occurrence”for:HG00010916©2016TheHartford(IncludescopyrightedmaterialofInsuranceServicesPage1of21Office,Inc.withitspermission.)DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE (1)Professionalhealthcareservicessuchas:(a)Medical,surgical,dental,laboratory,xrayornursingservicesortreatment,adviceorinstruction,ortherelatedfurnishingoffoodorbeverages;(b)Anyhealthortherapeuticservice,treatment,adviceorinstruction;or(c)Thefurnishingordispensingofdrugsormedical,dental,orsurgicalsuppliesorappliances;or(2)Firstaidservices,whichinclude:(a)Cardiopulmonaryresuscitation,whetherperformedmanuallyorwithadefibrillator;or(b)ServicesperformedasaGoodSamaritan.Forthepurposeofdeterminingthelimitsofinsurance,anyactoromissiontogetherwithallrelatedactsoromissionsinthefurnishingoftheseservicestoanyonepersonwillbeconsideredone“occurrence”.However,thisIncidentalMedicalMalpracticeAndGoodSamaritanCoverageprovisionappliesonlyifyouarenotengagedinthebusinessoroccupationofprovidinganyoftheservicesdeacribedinthisprovision.2.ExclusionsThisinsurancedoesnotapplyto:a.ExpectedOrIntendedInjury“Bodilyinjury”or“propertydamage”expectedorintendedfromthestandpointoftheinsured.Thisexclusiondoesnotapplyto“bodilyinjury”or“propertydamage”resultingfromtheuseofreasonableforcetoprotectpersonsorproperty.b.ContractualLiability“Bodilyinjury”or“propertydamage”forwhichtheinsuredisobligatedtopaydamagesbyreasonoftheassumptionofliabilityinacontractoragreement.Thisexclusiondoesnotapplytoliabilityfordamages:(1)Thattheinsuredwouldhaveintheabsenceofthecontractoragreement;or(2)Assumedinacontractoragreementthatisan“insuredcontract”,providedthe“bodilyinjury”or“propertydamage”occurssubsequenttotheexecutionofthecontractoragreement.Solelyforthepurposesofliabilityassumedinan“insuredcontract”,reasonableattorneyfeesandnecessarylitigationexpensesincurredbyorforapartyotherthananinsuredaredeemedtobedamagesbecauseof“bodilyinjury”or“propertydamage”,provided:(a)Liabilitytosuchpartyfor,orforthecostof,thatparty’sdefensehasalsobeenassumedinthesame“insuredcontract”;and(b)Suchattorneyfeesandlitigationexpensesarefordefenseofthatpartyagainstaciviloralternativedisputeresolutionproceedinginwhichdamagestowhichthisinsuranceappliesarealleged.c.LiquorLiability“Bodilyinjury”or“propertydamage”forwhichanyinsuredmaybeheldliablebyreasonof:(1)Causingorcontributingtotheintoxicationofanyperson;(2)Thefurnishingofalcoholicbeveragestoapersonunderthelegaldrinkingageorundertheinfluenceofalcohol;or(3)Anystatute,ordinanceorregulationrelatingtothesale,gift,distributionoruseofalcoholicbeverages.Thisexclusionappliesevenagainstanyinsuredallegeotherwrongdoingin:(a)Thesupervision,hiring,employment,trainingormonitoringofothersbythatinsured;or(b)Providingorfailingtoprovidetransportationwithrespecttoanypersonthatmaybeundertheinfluenceofalcohol;ifthe“occurrence”whichcausedthe“bodilyinjury”or“propertydamage”,involvedthatwhichisdescribedinParagraph(1),(2)or(3)above.However,thisexclusionappliesonlyifyouareinthebusinessofmanufacturing,distributing,selling,servingorfurnishingalcoholicbeverages.Forthepurposesofthisexclusion,permittingapersontobringalcoholicbeveragesonyourpremises,forconsumptiononyourpremises,whetherornotafeeischargedoralicenseisrequiredforsuchactivity,isnotbyitselfconsideredthebusinessofselling,servingorfurnishingalcoholicbeverages.d.Workers’CompensationAndSimilarLawsAnyobligationoftheinsuredunderaworkers’compensation,disabilitybenefitsorunemploymentcompensationlaworanysimilarlaw.e.Employer’sLiability“Bodilyinjury”to:(1)An“employee”oftheinsuredarisingoutofandinthecourseof:iftheclaimsnegligenceorPage2of21HG00010916DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE (a)Employmentbytheinsured;or(b)Performingdutiesrelatedtotheconductoftheinsured’sbusiness;or(2)Thespouse,child,parent,brotherorsisterofthat“employee”asaconsequenceofParagraph(1)above.Thisexclusionapplies:(1)Whethertheinsuredmaybeliableasanemployerorinanyothercapacity;and(2)Toanyobligationtosharedamageswithorrepaysomeoneelsewhomustpaydamagesbecauseoftheinjury.Thisexclusiondoesnotapplytoliabilityassumedbytheinsuredunderan“insuredcontract”.f.Pollution(1)“Bodilyinjury”orarisingoutofthethreateneddischarge,migration,release“pollutants”:(a)Atorfromanypremises,siteorlocationwhichisorwasatanytimeownedoroccupiedby,orrentedorloanedto,anyinsured.However,thissubparagraphdoesnotapplyto:(I)“Bodilyinjury”ifsustainedwithinabuildingandcausedbysmoke,fumes,vapororsootproducedbyororiginatingfromequipmentthatisusedtoheat,coolordehumidifythebuilding,orequipmentthatisusedtoheatwaterforpersonaluse,bythebuilding’soccupantsortheirguests;(ii)“Bodilyinjury”or“propertydamage”forwhichyoumaybeheldliable,ifyouareacontractorandtheownerorlesseeofsuchpremises,siteorlocationhasbeenaddedtoyourpolicyasanadditionalinsuredwithrespecttoyourongoingoperationsperformedforthatadditionalinsuredatthatpremises,siteorlocationandsuchpremises,siteorlocationisnotandneverwasownedoroccupiedby,orrentedorloanedto,anyinsured,otherthanthatadditionalinsured;or(iii)‘Bodilyinjury”or“propertydamage”arisingoutofheat,smokeorfumesfroma“hostilefire”;(b)AtorIron,anypremises,siteorlocationwhichisorwasatanytimeusedbyorforanyinsuredorothersforthehandling,storage,disposal,processingortreatmentofwaste;(c)Whicharetransported,disposedof,orfor:(i)Anyinsured:orororganizationformaybelegally(ci)Atorfromanypremises,siteorlocationonwhichanyinsuredoranycontractorsorsubcontractorsworkingdirectlyorindirectlyonanyinsured’sbehalfareperformingoperationsifthe“pollutants”arebroughtonortothepremises,siteorlocationinconnectionwithsuchoperationsbysuchinsured,contractororsubcontractor.However,thissubparagraphdoesnotapplyto:(i)“Bodilyinjury”or“propertydamage”arisingoutoftheescapeoffuels,lubricantsorotheroperatingfluidswhichareneededtoperformthenormalelectrical,hydrauNcormechanicalfunctionsnecessaryfortheoperationof“mobileequipment”oritsparts,ifsuchfuels,lubricantsorotheroperatingfluidsescapefromavehiclepartdesignedtohold,storeorreceivethem.Thisexceptiondoesnotapplyifthe“bodilyinjury”or‘propertydamage”arisesoutoftheintentionaldischarge,dispersalorreleaseofthefuels,lubricantsorotheroperatingfluids,orifsuchfuels,lubricantsorotheroperatingfluidsarebroughtonortothepremises,siteorlocationwiththeintentthattheybedischarged,dispersedorreleasedaspartoftheoperationsbeingperformedbysuchinsured,contractororsubcontractor;(ii)“Bodilyinjury”or“propertydamage”sustainedwithinabuildingandcausedbythereleaseofgases,fumesorvaporsfrommaterialsbroughtintothatbuildinginconnectionwithoperationsbeingperformedbyyouoronyourbehalfbyacontractororsubcontractor;or(iii)“Bodilyinjury”or“propertydamage”arisingoutofheat,smokeorfumesfroma“hostilefire”;or(e)Atorfromanypremises,siteorlocationonwhichanyinsuredoranycontractorsorsubcontractorsworkingdirectlyorindirectlyonanyinsured’sbehalfareperformingoperationsiftheorwereatanytimehandled,stored,treated,orprocessedaswasteby(ii)Anypersonwhomyouresponsible;“propertydamage”actual,allegedordispersal,seepage,orescapeofHG00010916Page3of21DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE aretotestfor,monitor,remove,contain,treat,neutralize!orinanywayorassesstheeffectsof,(2)Anyloss,costorexpensearisingoutofany:(a)Request,demand,orderorstatutoryorregulatoryrequirementthatanyinsuredorotherstestfor,monitor,cleanup,remove,contain,treat,detoxifyorneutralize,orinanywayrespondto,orassesstheeffectsof,“pollutants”;or(b)Claimorsuitbyoronbehalfofagovernmentalauthorityfordamagesbecauseoftestingfor,monitoring,cleaningup,removing,containing,treating,detoxifyingorneutralizing,orinanywayrespondingto,orassessingtheeffectsof,“pollutants”.However,thisparagraphdoesnotapplytoliabilityfordamagesbecauseof“propertydamage”thattheinsuredwouldhaveintheabsenceofsuchrequest,demand,orderorstatutoryorregulatoryrequirement,orsuchclaimor“suit’byoronbehalfofagovernmentalauthority.g.Aircraft,AutoOrWatorcraft“Bodilyinjury”or“propertydamage”arisingoutoftheownership,maintenance,useorentrustmenttoothersofanyaircraft,“auto’orwatercraftownedoroperatedbyorrentedorloanedtoanyinsured.Useincludesoperationand“loadingorunloading”.Thisexclusionapplieseveniftheclaimsagainstanyinsuredallegenegligenceorotherwrongdoinginthesupervision,hiring,employment,trainingormonitoringofothersbythatinsured,ifthe“occurrence”whichcausedthe“bodilyinjury”or“propertydamage”involvedtheownership,maintenance,useorentrustmenttoothersofanyaircraft,“auto”orwatercraftthatisownedoroperatedbyorrentedorloanedtoanyinsuredThisexclusiondoesnotapplyto:(1)Awatercraftwhileashoreonpremisesyouownorrent;(2)Awatercraftyoudonotownthatis:(a)Lessthan51feetlong;and(b)Notbeingusedtocarrypersonsforacharge;(3)Parkingan“auto”on,oronthewaysnextto,premisesyouownorrent,providedthe“auto”isnotownedbyorrentedorloanedtoyouortheinsured;(4)Liabilityassumedunderany“insuredcontract”fortheownership,maintenanceoruseofaircraftorwatercraft;(5)“Bodilyinjury”or“propertydamage”arisingoutof:(a)Theoperationofmachineryorequipmentthatisattachedto,orpartof,alandvehiclethatwouldqualifyunderthedefinitionof“mobileequipment”ifitwerenotsubjecttoacompulsoryorfinancialresponsibilitylaworothermotorvehicleinsurancelawwhereitislicensedorprincipallygaraged;or(b)TheoperationofanyofthemachineryorequipmentlistedinParagraphf.(2)orf.(3)ofthedefinitionof“mobileequipment”;or(6)Anaircraftthatisnotownedbyanyinsuredandishired,charteredorloanedwithapaidcrew.However,thisexceptiondoesnotapplyiftheinsuredhasanyotherinsuranceforsuch“bodilyinjury”or“propertydamage”:whethertheotherinsuranceisprimary,excess,contingentoronanyotherbasis.h.MobileEquipment“Bodilyinjury”or“propertydamage”arisingoutof:(1)Thetransportationof“mobileequipment”byan“auto”ownedoroperatedbyorrentedorloanedtoanyinsured;or(2)Theuseof“mobileequipment”in,orwhileinpracticefor,orwhilebeingpreparedfor,anyprearrangedracing,speed,demolition,orstuntingactivity:i.War“Bodilyinjury”or“propertydamage”,howevercaused,arising,directlyorindirectly,outof:(1)War,includingundeclaredorcivilwar;(2)Warlikeactionbyamilitaryforce,includingactioninhinderingordefendingagainstanactualorexpectedattack,byanygovernment,sovereignorotherauthorityusingmilitarypersonnelorotheragents;or(3)Insurrection,rebellion,revolution,usurpedpower,oractiontakenbygovernmentalauthorityinhinderingordefendingagainstanyofthese:j.DamageToProperty“Propertydamage”to:(1)Propertyyouown,rent,oroccupy,includinganycostsorexpensesincurredbyyou,oranyotherperson,organizationorentity,forrepair,replacement,operationscleanup,detoxifyorrespondto,“pollutants”.Page4of21HG00010916DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE enhancement,restorationormaintenanceofsuchpropertyforanyreason,includingpreventionofinjurytoapersonordamagetoanother’sproperty;(2)Premisesyousell,giveawayorabandon,ifthe“propertydamage”arisesoutofanypartofthosepremises;(3)Propertyloanedtoyou;(4)Personalpropertyinthecare,custodyorcontroloftheinsured;(5)Thatparticularpartofrealpropertyonwhichyouoranycontractorsorsubcontractorsworkingdirectlyorindirectlyonyourbehalfareperformingoperations,ifthe“propertydamage”arisesoutofthoseoperations;or(6)Thatparticularpartofanypropertythatmustberestored,repairedorreplacedbecause“yourwork”wasincorrectlyperformedonit.Paragraphs(1),(3)and(4)ofthisexclusiondonotapplyto“propertydamage”(otherthandamagebyfire)topremises,includingthecontentsofsuchpremises,rentedtoyouforaperiodofsevenorfewerconsecutivedays.AseparatelimitofinsuranceappliestoDamageToPremisesRentedToYouasdescribedinSectionIII-LimitsOfInsurance.you.Paragraphs(3)and(4)ofthisexclusiondonotapplyto“propertydamage”arisingfromtheuseofelevators.Paragraphs(3),(4),(5)and(6)ofthisexclusiondonotapplytoliabilityassumedunderasidetrackagreement.Paragraphs(3)and(4)ofthisexclusiondonotapplyto“propertydamage”toborrowedequipmentwhilenotbeingusedtoperformoperationsatthejobsite.Paragraph(6)ofthisexclusiondoesnotapplyto“propertydamage”includedinthe“products-completedoperationshazard”.k,DamageToYourProduct“Propertydamage”to“yourproduct”arisingoutofitoranypartofit.I.DamageToYourWork“Propertydamage”to“yourwork”arisingoutofitoranypartofitandincludedinthe“products-completedoperationshazard”.Thisexclusiondoesnotapplyifthedamagedworkortheworkoutofwhichthedamageariseswasperformedonyourbehalfbyasubcontractor.m.DamageToImpairedPropertyOrPropertyNotPhysicallyInjured“Propertydamage”to“impairedproperty”orpropertythathasnotbeenphysicallyinjured,arisingoutof:(1)Adefect,deficiency,dangerousconditionin“yourwork”;or(2)Adelayorfailurebyyouoranyoneactingonyourbehalftoperformacontractoragreementinaccordancewithitsterms.Thisexclusiondoesnotapplytouseofotherpropertyarisingoutandaccidentalphysicalinjuryproduct”or“yourwork”afterithastoitsintendeduse.n.RecallOfProducts,WorkOrImpairedPropertyDamagesclaimedforanyloss,costorexpenseincurredbyyouorothersforthelossofuse,withdrawal,recall,inspection,repair,replacement,adjustment,removalordisposalof:(1)“Yourproduct”;(2)“Yourwork”;or(3)“Impairedproperty”;ifsuchproduct,work,orpropertyiswithdrawnorrecalledfromthemarketorfromusebyanypersonororganizationbecauseofaknownorsuspecteddefect,deficiency,inadequacyordangerousconditioninit.o.PersonalAndAdvertisingInjury“Bodilyinjury”arisingoutof“personalandadvertisinginjury”.p.AccessorDisclosureOfConfidentialOrPersonalInformationAndData-relatedLiabilityDamagesarisingoutof:(1)Anyaccesstoordisclosureofanyperson’sororganization’sconfidentialorpersonalinformation,includingpatents,tradesecrets,processingmethods,customerlists,financialinformation,creditcardinformation,healthinformationoranyothertypeofnonpublicinformation;or(2)Thelossof,lossofuseof,damagecorruptionof,inabilitytoaccess,inabilitytomanipulateelectronicdata.Thisexclusionappliesevenifdamagesareclaimedfornotificationcosts,creditmonitoringexpenses,forensicexpenses,publicrelationsexpensesoranyotherloss,costorexpenseincurredbyyouorothersarisingoutofthatwhichisdescribedinParagraph(1)or(2)above.inadequacyor“yourproduct”orthelossofofsuddento“yourbeenputParagraph(2)ofifthepremisesneveroccupied,thisexclusiondoesnotapplyare“yourwork”andwererentedorheldforrentalbyto,orHG00010916Page5of21DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE However,unlessParagraph(1)aboveapplies,thisexclusiondoesnotapplytodamagesbecauseof“bodilyinjury”.Asusedinthisexclusion,electronicdatameansinformation,factsorprogramsstoredasoron,createdorusedon,ortransmittedtoorfromcomputersoftware,includingsystemsandapplicationssoftware,hardorfloppydisks,CD-ROMS,tapes,drives,cells,dataprocessingdevicesoranyothermediawhichareusedwithelectronicallycontrolledequipment.q.Employment-RelatedPractices“Bodilyinjury”to:(1)Apersonarisingoutofany“employment-relatedpractices”;or(2)Thespouse,child,parent,brotherorsisterofthatpersonasaconsequenceof“bodilyinjury”tothatpersonatwhomany“employment-relatedpractices”aredirected.Thisexclusionapplies:(1)Whethertheinjury-causingeventdescribedinthedefinitionof“employment-relatedpractices”occursbeforeemployment,duringemploymentorafteremploymentofthatperson;(2)Whethertheinsuredmaybeliableasanemployerorinanyothercapacity;and(3)Toanyobligationtosharedamageswithorrepaysomeoneelsewhomustpaydamagesbecauseoftheinjury.r.Asbestos(1)“Bodilyinjury”or“propertydamage”arisingoutofthe“asbestoshazard”.(2)Anydamages,judgments,settlements,loss,costsorexpensesthat:(a)Maybeawardedorincurredbyreasonofanyclaimorsuitallegingactualorthreatenedinjuryordamageofanynatureorkindtopersonsorpropertywhichwouldnothaveoccurredinwholeorinpartbutforthe“asbestoshazard”;(b)Ariseoutofanyrequest,demand,orderorstatutoryorregulatoryrequirementthatanyinsuredorotherstestfor,monitor,cleanup,remove,encapsulate,contain,treat,detoxifyorneutralizeorinanywayrespondtoorassesstheeffectsofan“asbestoshazard”;or(c)Ariseoutofanyclaimorsuitfordamagesbecauseoftestingfor,monitoring,cleaningup,removing,encapsulating,containing,treating,detoxifyingorneutralizingorinanywayrespondingtoorassessingtheeffectsofan“asbestoshazard”.s.RecordingAndDistributionOfMaterialOrInformationInViolationOfLaw“Bodilyinjury”or“propertydamage”arisingdirectlyorindirectlyoutofanyactionoromissionthatviolatesorisallegedtoviolate:(1)TheTelephoneConsumerProtectionAct(TCPA),includinganyamendmentoforadditiontosuchlaw;(2)TheCAN-SPAMActof2003,includinganyamendmentoforadditiontosuchlaw;(3)TheFairCreditReportingAct(FCRA),andanyamendmentoforadditiontosuchlaw,includingtheFairandAccurateCreditTransactionAct(FACTA);or(4)Anyfederal,stateorlocalstatute,ordinanceorregulation,otherthantheTCPAorCAN-SPAMActof2003orFCRAandtheiramendmentsandadditions,thataddresses,prohibitsorlimitstheprinting,dissemination,disposal,collecting,recording,sending,transmitting,communicatingordistributionofmaterialorinformation.DamageToPremisesRentedToYou-ExceptionForDamageByFire,LightningOrExplosionExclusionsc.throughh.andj.throughn.donotapplytodamagebyfire,lightningorexplosiontopremiseswhilerentedtoyouortemporarilyoccupiedbyyouwithpermissionoftheowner.AseparatelimitofinsuranceappliestothiscoverageasdescribedinSectionIII-LimitsOfInsurance.COVERAGEBPERSONALANDADVERTISINGINJURYLIABILITY1.InsuringAgreementa.Wewillpaythosesumsthattheinsuredbecomeslegallyobligatedtopayasdamagesbecauseof“personalandadvertisinginjury”towhichthisinsuranceapplies.Wewillhavetherightanddutytodefendtheinsuredagainstany“suit”seekingthosedamages.However,wewillhavenodutytodefendtheinsuredagainstany“suit”seekingdamagesfor“personalandadvertisinginjury”towhichthisinsurancedoesnotapply.Wemay,atourdiscretion,investigateanyoffenseandsettleanyclaimor“suit”thatmayresult.But:(1)TheamountwewillpayfordamagesislimitedasdescribedinSectionIII-LimitsOfInsurance;and(2)OurrightanddutytodefendendwhenwehaveuseduptheapplicablelimitofinsuranceinthepaymentofjudgmentsorPage6of21HG00010916DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE settlementsunderCoveragesAorBormedicalexpensesunderCoverageC.NootherobligationorliabilitytopaysumsorperformactsorservicesiscoveredunlessexplicitlyprovidedforunderSupplementaryPayments-CoveragesAandB.b.Thisinsuranceappliestoadvertisinginjury”causedarisingoutofyourbusinessoffensewascommittedinterritory”duringthepolicyperiod.2.ExclusionsThisinsurancedoesnotapplyto:a.KnowingViolationOfRightsOfAnother“Personalandadvertisinginjury”arisingoutofanoffensecommittedby,atthedirectionorwiththeconsentoracquiescenceoftheinsuredwiththeexpectationofinflicting“personalandadvertisinginjury”.b.MaterialPublishedWithKnowledgeOfFalsity“Personalandadvertisinginjury”arisingoutoforal,writtenorelectronicpublication,inanymanner,ofmaterial,ifdonebyoratthedirectionoftheinsuredwithknowledgeofitsfalsity.c.MaterialPublishedPriorToPolicyPeriod“Personalandadvertisinginjury”arisingoutoforal,writtenorelectronicpublication,inanymanner,ofmaterialwhosefirstpublicationtookplacebeforethebeginningofthepolicyperiod.d.CriminalActs“Personalandadvertisinginjury”arisingoutofacriminalactcommittedbyoratthedirectionoftheinsured.e.ContractualLiability“Personalandadvertisinginjury”forwhichtheinsuredhasassumedliabilityinacontractoragreement.Thisexclusiondoesnotapplytoliabilityfordamagesthattheinsuredwouldhaveintheabsenceofthecontractoragreement.f.BreachOfContract“Personalandadvertisinginjury”arisingoutofabreachofcontract,exceptanimpliedcontracttouseanother’s“advertisingidea”inyour“advertisement”.g.QualityOrPerformanceOfGoods-FailureToConformToStatements“Personalandadvertisinginjury”arisingoutofthefailureofgoods,productsorservicestoconformwithanystatementofqualityorperformancemadeinyour“advertisement”.h.WrongDescriptionOfPrices“Personalandadvertisinginjury”arisingoutofthewrongdescriptionofthepriceofgoods,productsorservices.i.InfringementOfIntellectualPropertyRights(1)“Personalandadvertisinginjury”arisingoutofanyactualorallegedinfringementorviolationofanyintellectualpropertyrightssuchascopyright,patent,trademark,tradename,tradesecret,tradedress,servicemarkorotherdesignationoforiginorauthenticity;or(2)Anyinjuryordamageallegedinanyclamor“suit”thatalsoallegesaninfringementorviolationofanyintellectualpropertyright,whethersuchallegationofinfringementorviolationismadebyyouorbyanyotherpartyinvolvedintheclaimor“suit”,regardlessofwhetherthisinsurancewouldotherwiseapply.However,thisexclusiondoesnotapplyiftheonlyallegationintheclaimor“suit”involvinganyintellectualpropertyrightislimitedto:(1)Infringement,inyour“advertisement”,of:(a)Copyright;(b)Slogan;or(c)Titleofanyliteraryorartisticwork;or(2)Copying,inyour“advertisement”,aperson’sororganization’s“advertisingidea”orstyleofadvertisement”.j.InsuredsInMediaAndInternetTypeBusinesses“Personalandadvertisinginjury”committedbyaninsuredwhosebusinessis:(I)Advertising,broadcasting,publishingortelecasting;(2)Designingordeterminingcontentofwebsitesforothers;or(3)AnInternetsearch,access,contentorserviceprovider.However,thisexclusiondoesnotapplytoParagraphsa.,b.andc.ofthedefinitionof“personalandadvertisinginjury”undertheDefinitionsSection.Forthepurposesofthisexclusion,theplacingofframes,bordersorlinks,oradvertising,foryouorothersanywhereontheInternet,isnotbyitself,consideredthebusinessofadvertising,broadcasting,publishingortelecasting.k.ElectronicChatroomsOrBulletinBoards“Personalandadvertisinginjury”arisingoutofanelectronicchatroomorbulletinboardthe“personalandbyanoffensebutonlyifthethe“coverageHG00010916Page7of21DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE insuredhosts,owns,oroverwhichtheinsuredexercisescontrol.I.UnauthorizedUseOfAnother’sNameOrProduct“Personalandadvertisinginjury”arisingoutoftheunauthorizeduseofanother’snameorproductinyoure-mailaddress,domainnameormetatags,oranyothersimilartacticstomisleadanother’spotentialcustomers.m.Pollution“Personalandadvertisinginjury”arisingoutoftheactual,allegedorthreateneddischarge,dispersal,seepage,migration,releaseorescapeof“pollutants”atanytime.n.Pollution-RelatedAnyloss,costorexpensearisingoutofany:(1)Request,demand,orderorstatutoryorregulatoryrequirementthatanyinsuredorotherstestfor,monitor,cleanup,remove,contain,treat,detoxifyorneutralize,orinanywayrespondto,orassesstheeffectsof,“pollutants”;or(2)Claimorsuitbyoronbehalfofagovernmentalauthorityfordamagesbecauseoftestingfor,monitoring,cleaningup,removing,containing,treating,detoxifyingorneutralizing,orinanywayrespondingto,orassessingtheeffectsof,“pollutants”.o.War“Personalandadvertisinginjury”,howevercaused,arising,directlyorindirectly,outof:(1)War,includingundeclaredorcivilwar;(2)Warlikeactionbyamilitaryforce,includingactioninhinderingordefendingagainstanactualorexpectedattack,byanygovernment,sovereignorotherauthorityusingmilitarypersonnelorotheragents;or(3)Insurrection,rebellion,revolution,usurpedpower,oractiontakenbygovernmentalauthorityinhinderingordefendingagainstanyofthese.p.InternetAdvertisementsAndContentOfOthers“Personalandadvertisinginjury”arisingoutof:(1)An“advertisement”forothersonyourwebsite;(2)Placingalinktoawebsiteofothersonyourwebsite;(3)Content,includinginformation,sounds,text,graphics,orimagesfromawebsiteofothersdisplayedwithinaframeorborderonyourwebsite;or(4)Computercode,softwareorprogrammingusedtoenable:(a)Yourwebsite;or(b)Thepresentationorfunctionalityofan“advertisement”orothercontentonyourwebsite.q.RightOfPrivacyCreatedByStatute“Personalandadvertisinginjury”arisingoutoftheviolationofaperson’srightofprivacycreatedbyanystateorfederalact.However,thisexclusiondoesnotapplytoliabilityfordamagesthattheinsuredwouldhaveintheabsenceofsuchstateorfederalact.r.ViolationOfAnti-Trustlaw“Personalandadvertisinginjury”arisingoutofaviolationofanyanti-trustlaw.s.Securities“Personalandadvertisinginjury”arisingoutofthefluctuationinpriceorvalueofanystocks,bondsorothersecurities.t.RecordingAndDistributionOfMaterialOrInformationInViolationOfLaw“Personalandadvertisinginjury”arisingdirectlyorindirectlyoutofanyactionoromissionthatviolatesorisallegedtoviolate:(1)TheTelephoneConsumerProtectionAct(TCPA),includinganyamendmentoforadditiontosuchlaw;(2)TheCAN-SPAMActof2003,includinganyamendmentoforadditiontosuchlaw;(3)TheFairCreditReportingAct(FCRA),andanyamendmentoforadditiontosuchlaw,includingtheFairandAccurateCreditTransactionAct(FACTA);or(4)Anyfederal,stateorlocalstatute,ordinanceorregulation,otherthantheTCPAorCAN-SPAMActof2003orFCRAandtheiramendmentsandadditions,thataddresses,prohibitsorlimitstheprinting,dissemination,disposal,collecting,recording,sending,transmitting,communicatingordistributionofmaterialorinformation.u.Employment-RelatedPractices“Personalandadvertisinginjury”to:(1)Apersonarisingoutofany“employmentrelatedpractices”;or(2)Thespouse,child,parent,brotherorsisterofthatpersonasaconsequenceof“personalandadvertisinginjury”tothatpersonatwhomany“employment-relatedpractices”aredirected.Page8of21HG00010916DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE Thisexclusionapplies:COVERAGECMEDICALPAYMENTS(1)Whethertheinjury-causingeventdescribedinthedefinitionof“employment-relatedpractices”occursbeforeemployment,duringemploymentorafteremploymentofthatperson;(2)Whethertheinsuredmaybeliableasanemployerorinanyothercapacity;and(3)Toanyobligationtosharedamageswithorrepaysomeoneelsewhomustpaydamagesbecauseoftheinjury.v.Asbestos(1)‘Personalandadvertisinginjury”arisingoutofthe“asbestoshazard”.(2)Anydamages,judgments,setilements,loss,costsorexpensesthat:(a)Maybeawardedorincurredbyreasonofanyclaimorsuitallegingactualorthreatenedinjuryordamageofanynatureorkindtopersonsorpropertywhichwouldnothaveoccurredinwholeorinpartbutforthe“asbestoshazard”;(b)Ariseoutofanyrequest,demand,orderorstatutoryorregulatoryrequirementthatanyinsuredorotherstestfor,monitor,cleanup,remove,encapsulate,contain,treat,detoxifyorneutralizeorinanywayrespondtoorassesstheeffectsofan“asbestoshazard”;or(c)Ariseoutofanyclaimorsuitfordamagesbecauseoftestingfor,monitoring,cleaningup,removing,encapsulating,containing,treating,detoxifyingorneutralizingorinanywayrespondingtoorassessingtheeffectsofan“asbestoshazard”.w.AccessOrDisclosureOfConfidentialOrPersonalInformation“Personalandadvertisinginjury”arisingoutofanyaccesstoordisclosureofanyperson’sororganization’sconfidentialorpersonalinformation,includingpatents,tradesecrets,processingmethods,customerlists,financialinformation,creditcardinformation,healthinformationoranyothertypeofnonpublicinformation.Thisexclusionappliesevenifdamagesareclaimedfornotificationcosts,creditmonitoringexpenses,forensicexpenses,publicrelationsexpensesoranyotherloss,costorexpenseincurredbyyouorothersarisingoutofanyaccesstoordisclosureofanyperson’sororganization’sconfidentialorpersonalinformation.1.InsuringAgreementa.Wewillpaymedicalexpensesasdescribedbelowfor“bodilyinjury”causedbyanaccident:(1)Onpremisesyouownorrent;(2)Onwaysnexttopremisesyouownorrent;or(3)Becauseofyouroperations;providedthat:(1)Theaccidenttakesplaceinthe“coverageterritory”andduringthepolicyperiod;(2)Theexpensesareincurredandreportedtouswithinthreeyearsofthedateoftheaccident;and(3)Theinjuredpersonexamination,atourphysiciansofourchoicereasonablyrequire.b.Wewillmakethesepaymentsregardlessoffault.Thesepaymentswillnotexceedtheapplicablelimitofinsurance.Wewillpayreasonableexpensesfor:(1)Firstaidadministeredatthetimeofanaccident;(2)Necessarymedical,surgical,X-rayanddentalservices,includingprostheticdevices;and(3)Necessaryambulance,hospital,professionalnursingandfuneralservices.2.ExclusionsWewillnotpayexpensesfor“bodilyinjury”:a.AnyInsuredToanyinsured,except“volunteerworkers”.b.HiredPersonToapersonhiredtodoworkfororonbehalfofanyinsuredoratenantofanyinsured.c.InjuryOnNormallyOccupiedPremisesToapersoninjuredonthatpartofpremisesyouownorrentthatthepersonnormallyoccupies.d.WorkersCompensationAndSimilarLawsToaperson,whetherornotan“employee”ofanyinsured,ifbenefitsforthe“bodilyinjury”arepayableormustbeprovidedunderaworkers’compensationordisabilitybenefitslaworasimilarlaw.e.AthleticsActivitiesToapersoninjuredwhilepracticing,instructingorparticipatinginanyphysicalexercisesorgames,sports,orathleticcontests.submitstoexpense,byasoftenasweHG00010916Page9of21DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE f.Products-CompletedOperationsHazardIncludedwithinthe“products-completedoperationshazard”.g.CoverageAExclusionsExcludedunderCoverageA.SUPPLEMENTARYPAYMENTS-COVERAGESWewillpay,withrespecttoanyclaimweinvestigateorsettle,orany“suit”againstaninsuredwedefend:a.Allexpensesweincur.b.Upto$1000forcostofbaflbondsrequiredbecauseofaccidentsortrafficlawviolationsarisingoutoftheuseofanyvehicletowhichtheBodilyInjuryLiabilityCoverageapplies.Wedonothavetofurnishthesebonds.c.Thecostofappealbondsorbondstoreleaseattachments,butonlyforbondamountswithintheapplicablelimitofinsurance.Wedonothavetofurnishthesebonds.d.Allreasonableexpensesincurredbytheinsuredatourrequesttoassistusintheinvestigationordefenseoftheclaimor“suit”,includingactuallossofearningsupto$500adaybecauseoftimeofffromwork.e.Allcourtcoststaxedagainsttheinsuredinthe“suit”.However,suchcostsdonotincludeattorneys’fees,attorneys’expenses,witnessorexpertfees,oranyotherexpensesofapartytaxedtotheinsured.f.Prejudgmentinterestawardedagainsttheinsuredonthatpartofthejudgmentwepay.Ifwemakeanoffertopaytheapplicablelimitofinsurance,wewillnotpayanyprejudgmentinterestbasedonthatperiodoftimeaftertheoffer.g.Allinterestonthefullamountofanyjudgmentthataccruesafterentryofthejudgmentandbeforewehavepaid,offeredtopay,ordepositedincourtthepartofthejudgmentthatiswithintheapplicablelimitofinsurance.Thesepaymentswillnotreducethelimitsofinsurance.2.Ifwedefendaninsuredagainsta“suit”andanindemniteeoftheinsuredisalsonamedasapartytothe“suit”,wewilldefendthatindemniteeifallofthefollowingconditionsaremet:a.The“suit”againsttheindemniteeseeksdamagesforwhichtheinsuredhasassumedtheliabilityoftheindemniteeinacontractoragreementthatisan“insuredcontract”;b.Thisinsuranceappliestosuchliabilityassumedbytheinsured;c.Theobligationtodefend,orthecostofthedefenseof,thatindemnitee,hasalsobeenassumedbytheinsuredinthesame“insuredcontract”;d.Theallegationsinthe“suit”andtheinformationweknowaboutthe“occurrence”aresuchthatnoconflictappearstoexistbetweentheinterestsoftheinsuredandtheinterestsoftheindemnitee;e.Theindemniteeandtheinsuredaskustoconductandcontrolthedefenseofthatindemniteeagainstsuch“suit”andagreethatwecanassignthesamecounseltodefendtheinsuredandtheindemnitee;andf.Theindemnitee:(1)Agreesinwritingto:(a)Cooperatewithusintheinvestigation,settlementordefenseofthe“suit”;(b)Immediatelysenduscopiesofanydemands,notices,summonsesorlegalpapersreceivedinconnectionwiththe“suit”;(c)Notifyanyotherinsurerwhosecoverageisavailabletotheindemnitee;andand(2)Providesuswithwrittenauthorizationto:(a)Obtainrecordsandotherinformationrelatedtothe“suit”;and(b)Conductandcontrolthedefenseoftheindemniteeinsuch“suit”.Solongastheaboveconditionsaremet,attorneys’feesincurredbyusinthedefenseofthatindemnitee,necessarylitigationexpensesincurredbyusandnecessarylitigationexpensesincurredbytheindemniteeatourrequestwillbepaidasSupplementaryPayments.NotwithstandingtheprovisionsofParagraph2.b.(2)ofSectionI-CoverageA-BodilyInjuryAndPropertyDamageLiability,suchpaymentswillnotbedeemedtobedamagesfor“bodilyinjury”and“propertydamage”andwillnotreducethelimitsofinsurance.Ourobligationtodefendaninsuredsindemniteeandtopayforattorneys’feesandnecessarylitigationexpensesasSupplementaryPaymentsendswhen:a.Wehaveuseduptheapplicablelimitofinsuranceinthepaymentofjudgmentsorsettlements;orb.Theconditionssetforthabove,orthetermsoftheagreementdescribedinParagraphf.above,arenolongermet.AANDB1.(d)Cooperatewithuswithcoordinatingotherinsuranceavailabletotherespecttoapplicableindemnitee;Page10of21HG00010916DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE SECTIONII-WHOISANINSURED1.IfyouaredesignatedintheDeclarationsas:a.Anindividual,youandyourspouseareinsureds,butonlywithrespecttotheconductofabusinessofwhichyouarethesoleowner.b.Apartnershiporjointventure,youareaninsured.Yourmembers,yourpartners,andtheirspousesarealsoinsureds,butonlywithrespecttotheconductofyourbusiness.d.Anorganizationotherthanapartnership,jointventureorlimitedliabilitycompany,youareaninsured.Your“executiveofficers”anddirectorsareinsureds,butonlywithrespecttotheirdutiesasyourofficersordirectors.Yourstockholdersarealsoinsureds,butonlywithrespecttotheirliabilityasstockholders.e.Atrust,youareaninsured.Yourtrusteesarealsoinsureds,butonlywithrespecttotheirdutiesastrustees.2.Eachofthefollowingisalsoaninsured:a.EmployeesAndVolunteerWorkersYour“volunteerworkers”onlywhileperformingdutiesrelatedtotheconductofyourbusiness,oryour“employees”,otherthaneitheryour“executiveofficers”(ifyouareanorganizationotherthanapartnership,jointventureorlimitedliabilitycompany)oryourmanagers(ifyouarealimitedliabilitycompany),butonlyforactswithinthescopeoftheiremploymentbyyouorwhileperformingdutiesrelatedtotheconductofyourbusiness.However,noneofthese“employees”or“volunteerworkers”areinsuredsfor(1)“Bodilyinjury”or“personalandadvertisinginjury”:(a)Toyou,toyourpartnersormembers(ifyouareapartnershiporjointventure),toyourmembers(ifyouarealimitedliabilitycompany),toaco-employee”whileinthecourseofhisorheremploymentorperformingdutiesrelatedtotheconductofyourbusiness,ortoyourother“volunteerworkers”whileperformingdutiesrelatedtotheconductofyourbusiness;(b)Tothespouse,child,parent,brotherorsisterofthatco-employee”orthat“volunteerworker”asaconsequenceofParagraph(1)(a)above;(c)ForwhichthereisanyobligationtosharedamageswithorrepaysomeoneelsewhomustpaydamagesbecauseoftheinjurydescribedinParagraphs(1)(a)or(U(b)above;or(d)Arisingoutofhisorherprovidingorfailingtoprovideprofessionalhealthcareservices.Ifyouarenotinthebusinessofprovidingprofessionalhealthcareservices:(a)Subparagraphs(1)(a),(1)(b)and(1)(c)abovedonotapplytoany“employee”or“volunteerworker”providingfirstaidservices;and(b)Subparagraph(1)(d)abovedoesnotapplytoanynurse,emergencymedicaltechnicianorparamedicemployedbyyoutoprovidesuchservices.(2)“Propertydamage”toproperty:(a)Owned,occupiedorusedby,inthecare,custodyororoverwhichphysicalbeingexercisedforanyyou,anyofyour“employees”,“volunteerworkers”,anypartnerormember(ifyouareapartnershiporjointventure),oranymember(ifyouarealimitedliabilitycompany).b.RealEstateManagerAnyperson(otherthanyour“employee”or“volunteerworker”),oranyorganizationwhileactingasyourrealestatemanager.c.TemporaryCustodiansOfYourPropertyAnypersonororganizationhavingpropertemporarycustodyofyourpropertyifyoudie,butonly:(1)Withrespecttoliabilityarisingoutofthemaintenanceoruseofthatproperty;and(2)Untilyourlegalrepresentativehasbeenappointed.d.LegalRepresentativeIfYouDieYourlegalrepresentativeifyoudie,butonlywithrespecttodutiesassuch.ThatrepresentativewillhaveallyourrightsanddutiesunderthisCoveragePart.e.UnnamedSubsidiaryAnysubsidiary,andsubsidiarythereof,ofyourswhichisalegallyincorporatedentityofwhichyouownafinancialinterestofmorethan50%ofthevotingstockontheeffectivedateoftheCoveragePart.c.Alimitedinsured.Yonlywithbusiness.onlywithmanagersliabilitycompany,youareanourmembersarealsoinsureds,butrespecttotheconductofyourYourmanagersareinsureds,butrespecttotheirdutiesasyour(b)Rentedto,controlof,controlispurposebyHG00010916Page11of21DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE TheinsuranceaffordedhereinforanysubsidiarynotnamedinthisCoveragePartasanamedinsureddoesnotapplytoinjuryordamagewithrespecttowhichsuchinsuredisalsoanamedinsuredunderanotherpolicyorwouldbeanamedinsuredundersuchpolicybutforitsterminationortheexhaustionofitslimitsofinsurance.3.NewlyAcquiredOrFormedOrganizationAnyorganizationyounewlyacquireorform,otherthanapartnership,jointventureorlimitedliabilitycompany,andoverwhichyoumaintainfinancialinterestofmorethan50%ofthevotingstock,willqualifyasaNamedInsuredifthereisnoothersimilarinsuranceavailabletothatorganization.However:a.Coverageunderthisprovisionisaffordedonlyuntilthe180thdayafteryouacquireorformtheorganizationortheendofthepolicyperiod,whicheverisearlier;b.CoverageAdoesnotapplyto“bodilyinjury”or“propertydamage”thatoccurredbeforeyouacquiredorformedtheorganization;andc.CoverageBdoesnotapplyto“personalandadvertisinginjury”arisingoutofanoffensecommittedbeforeyouacquiredorformedtheorganization.4.NonownedWatercraftWithrespecttowatercraftyoudonotownthatislessthan51feetlongandisnotbeingusedtocarrypersonsforacharge,anypersonisaninsuredwhileoperatingsuchwatercraftwithyourpermission.Anyotherpersonororganizationresponsiblefortheconductofsuchpersonisalsoaninsured,butonlywithrespecttoliabilityarisingoutoftheoperationofthewatercraft,andonlyifnootherinsuranceofanykindisavailabletothatpersonororganizationforthisliability.However,nopersonororganizationisaninsuredwithrespectto:a.“Bodilyinjury”toaco-employee”ofthepersonoperatingthewatercraft;orb.“Propertydamage”topropertyownedby,rentedto,inthechargeoforoccupiedbyyouortheemployerofanypersonwhoisaninsuredunderthisprovision.5.AdditionalInsuredsWhenWrittenContract,WrittenPermitThefollowingperson(s)ororganization(s)areanadditionalinsuredwhenyouhaveagreed,inawrittencontract,writtenagreementorbecauseofapermitissuedbyastateorpoliticalsubdivision,thatsuchpersonororganizationbeaddedasanadditionalinsuredonyourpolicy,providedtheinjuryordamageoccurssubsequenttotheexecutionofthecontractoragreement.Apersonororganizationisanadditionalinsuredunderthisprovisiononlyforthatperiodoftimerequiredbythecontractoragreement.However,nosuchpersonororganizationisaninsuredunderthisprovisionifsuchpersonororganizationisincludedasaninsuredbyanendorsementissuedbyusandmadeapartofthisCoveragePart.a.VendorsAnyperson(s)ororganization(s)(referredtobelowasvendor),butonlywithrespectto“bodilyinjury”or“propertydamage”arisingoutof“yourproducts”whicharedistributedorsoldintheregularcourseofthevendor’sbusinessandonlyifthisCoveragePartprovidescoveragefor“bodilyinjury”or“propertydamage”includedwithinthe“products-completedoperationshazard”.(1)Theinsuranceaffordedthevendorissubjecttothefollowingadditionalexclusions:Thisinsurancedoesnotapplyto:(a)“Bodilyinjury”or“propertydamage”forwhichthevendorisobligatedtopaydamagesbyreasonoftheassumptionofliabilityinacontractoragreement.Thisexclusiondoesnotapplytoliabilityfordamagesthatthevendorwouldhaveintheabsenceofthecontractoragreement;(b)Anyexpresswarrantyunauthorizedbyyou;(c)Anyphysicalorchemicalchangeintheproductmadeintentionallybythevendor;(d)Repackaging,exceptwhenunpackedsolelyforthepurposeofinspection,demonstration,testing,orthesubstitutionofpartsunderinstructionsfromthemanufacturer,andthenrepackagedintheoriginalcontainer;(e)Anyfailuretomakesuchinspections,adjustments,testsorservicingasthevendorhasagreedtomakeornormallyundertakestomakeintheusualcourseofbusiness,inconnectionwiththedistributionorsaleoftheproducts;(f)Demonstration,installation,servicingorrepairoperations,exceptsuchoperationsperformedatthevendor’spremisesinconnectionwiththesaleoftheproduct;(g)Productswhich,afterdistributionorsalebyyou,havebeenlabeledorrelabeledorusedasacontainer,partoringredientofanyotherthingorsubstancebyorforthevendor;orRequiredByAgreementOrPage12of21HG00010916DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE (h)“Bodilyinjury”or“propertydamage”arisingoutofthesolenegligenceofthevendorforitsownactsoromissionsorthoseofitsemployeesoranyoneelseactingonitsbehalf.However,thisexclusiondoesnotapplyto:(i)TheexceptionscontainedinSub-paragraphs(ci)or(fl;or(ii)Suchinspections,adjustments,testsorservicingasthevendorhasagreedtomakeornormallyundertakestomakeintheusualcourseofbusiness,inconnectionwiththedistributionorsaleoftheproducts.(2)Thisinsurancedoesnotapplytoanyinsuredpersonororganization,fromwhomyouhaveacquiredsuchproducts,oranyingredient,partorcontainer,enteringinto,accompanyingorcontainingsuchproducts.b.LessorsOfEquipment(1)Anyperson(s)ororganization(s)fromwhomyouleaseequipment;butonlywithrespecttotheirliabilityfor“bodilyinjury”,“propertydamage”or“personalandadvertisinginjury”caused,inwholeorinpart,byyourmaintenance,operationoruseofequipmentleasedtoyoubysuchperson(s)ororganization(s).(2)Withrespecttotheinsuranceaffordedtotheseadditionalinsuredsthisinsurancedoesnotapplytoany“occurrence”whichtakesplaceaftertheequipmentleaseexpires.c.LessorsOfLandOrPremisesAnypersonororganizationfromwhomyouleaselandorpremises,butonlywithrespecttoliabilityarisingoutoftheownership,maintenanceoruseofthatpartofthelandorpremisesleasedtoyou.Withrespecttotheinsuranceaffordedtheseadditionalinsuredsthefollowingadditionalexclusionsapply:Thisinsurancedoesnotapplyto:1.Any“occurrence”whichtakesplaceafteryouceasetoleasethatland;or2.Structuralalterations,newconstructionordemolitionoperationsperformedbyoronbehalfofsuchpersonororganization.ci.Architects,EngineersOrSurveyorsAnyarchitect,engineer,orsurveyor,butonlywithrespecttoliabilityfor“bodilyinjury”,“propertydamage”or“personalandadvertisinginjury”caused,inwholeorinpart,byyouractsoromissionsortheactsoromissionsofthoseactingonyourbehalf:(1)Inconnectionwithyourpremises;or(2)Intheperformanceofyourongoingoperationsperformedbyyouoronyourbehalf.Withrespecttotheinsuranceaffordedtheseadditionalinsureds,thefollowingadditionalexclusionapplies:Thisinsurancedoesnotapplyto“bodilyinjury”,“propertydamage”or“personalandadvertisinginjury”arisingoutoftherenderingoforthefailuretorenderanyprofessionalservicesbyorforyou,including:1.Thepreparing,approving,orfailingtoprepareorapprove,maps,shopdrawings,opinions,reports,surveys,fieldorders,changeordersordrawingsandspecifications;or2.Supervisory,inspection,architecturalorengineeringactivities.Thisexclusionapplieseveniftheclaimsagainstanyinsuredallegenegligenceorotherwrongdoinginthesupervision,hiring,employment,trainingormonitoringofothersbythatinsured,ifthe“occurrence”whichcausedthe“bodilyinjury”or“propertydamage”,ortheoffensewhichcausedthe“personalandadvertisinginjury”,involvedtherenderingoforthefailuretorenderanyprofessionalservicesbyorforyou.e.PermitsIssuedByStateOrPoliticalSubdivisionsAnystateorpoliticalsubdivision,butonlywithrespecttooperationsperformedbyyouoronyourbehalfforwhichthestateorpoliticalsubdivisionhasissuedapermit.Withrespecttotheinsuranceaffordedtheseadditionalinsureds,thisinsurancedoesnotapplyto:(1)“Bodilyinjury”,“propertydamage”or“personalandadvertisinginjury”arisingoutofoperationsperformedforthestateormunicipality;orf.AnyOtherParty“propertydamage”“products-completedAnyotherpersonororganizationwhoisnotanadditionalinsuredunderParagraphsa.throughe.above,butonlywithrespecttoliabilityfor“bodilyinjury”,“propertydamage”or“personalandadvertisinginjury”caused,inwholeorinpart,byyouractsoromissionsortheactsoromissionsofthoseactingonyourbehalf:(1)Intheperformanceofyourongoingoperations;(2)“Bodilyinjury”orincludedwithintheoperationshazard”.HG00010916Page13of21DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE (2)Inconnectionwithyourpremisesownedbyorrentedtoyou;or(3)Inconnectionwith“yourwork”andincludedwithinthe“products-completedoperationshazard”,butonlyif(a)Thewrittencontractoragreementrequiresyoutoprovidesuchcoveragetosuchadditionalinsured;and(b)ThisCoveragePartprovidescoveragefor“bodilyinjury”or“propertydamage”includedwithinthe“products-completedoperationshazard”.Theinsuranceaffordedtosuchadditionalinsuredonlyappliestotheextentpermittedbylaw;and(2)Ifcoverageprovidedtotheadditionalinsuredisrequiredbyacontractoragreement,theinsuranceaffordedtosuchadditionalinsuredwillnotbebroaderthanthatwhichyouarerequiredbythecontractoragreementtoprovideforsuchadditionalinsured.WithrespecttotheinsuranceaffordedtoTheseadditionalinsureds,thisinsurancedoesnotapplyto:“Bodilyinjury”,“propertydamage”or“personalandadvertisinginjury”arisingoutoftherenderingof,orthefailuretorender,anyprofessionalarchitectural,engineeringorsurveyingservices,including:(1)Thepreparing,approving,orfailingtoprepareorapprove,maps,shopdrawings,opinions,reports,surveys,fieldorders,changeordersordrawingsandspecifications;or(2)Supervisory,inspection,architecturalorengineeringactivities,Thisexclusionapplieseveniftheclaimsagainstanyinsuredallegenegligenceorotherwrongdoinginthesupervision,hiring,employment,trainingormonitoringofothersbythatinsured,ifthe“occurrence”whichcausedthe“bodilyinjury”or“propertydamage”,ortheoffensewhichcausedthe“personalandadvertisinginjury”,involvedtherenderingoforthefailuretorenderanyprofessionalservicesbyorforyou.ThelimitsofinsurancethatapplytoadditionalinsuredsisdescribedinSectionIII-LimitsOfInsurance.HowthisinsuranceapplieswhenotherinsuranceisavailabletotheadditionalinsuredisdescribedintheOtherInsuranceConditioninSectionIV-CommercialGeneralLiabilityConditions.Nopersonororganizationisaninsuredwithrespecttotheconductofanycurrentorpastpartnership,jointventureorlimitedliabilitycompanythatisnotshownasaNamedInsuredintheDeclarations.SECTIONIII-LIMITSOFINSURANCE1.TheMostWeWillPayTheLimitsofInsuranceshownintheDeclarationsandtherulesbelowfixthemostwewillpayregardlessofthenumberof:a.Insureds;b.Claimsmadeor“suits”brought;orc.Personsororganizationsmakingclaimsorbringing“suits”.2.GeneralAggregateLimitTheGeneralAggregateLimitisthemostwewillpayforthesumof:a.MedicalexpensesunderCoverageC;b.DamagesunderCoverageA,exceptdamagesbecauseof“bodilyinjury”or“propertydamage”includedinthe“products-completedoperationshazard”;andc.DamagesunderCoverageB.3.Products-CompletedOperationsAggregateLimitTheProducts-CompletedOperationsAggregateLimitisthemostwewillpayunderCoverageAfordamagesbecauseof“bodilyinjury”and“propertydamage”includedinthe“products-completedoperationshazard”.4.PersonalAndAdvertisingInjuryLimitSubjectto2.above,thePersonalandAdvertisingInjuryLimitisthemostwewillpayunderCoverageBforthesumofalldamagesbecauseofall“personalandadvertisinginjury”sustainedbyanyonepersonororganization.5.EachOccurrenceLimitSubjectto2.or3.above,whicheverapplies,theEachOccurrenceLimitisthemostwewillpayforthesumof:a.DamagesunderCoverageA;andb.MedicalexpensesunderCoverageCbecauseofall“bodilyinjury”and“propertydamage”arisingoutofanyone“occurrence”.6.DamageToPremisesRentedToYouLimitSubjectto5.above,theDamageToPremisesRentedToYouLimitisthemostwewillpayunderCoverageAfordamagesbecauseof“propertydamage”toanyonepremises,whilerentedtoyou,orinthecaseofdamagebyfire,lightningorexplosion,whilerentedtoyouortemporarilyoccupiedbyyouwithpermissionoftheowner.However:(1)Page14of21HG00010916DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE Inthecaseofdamagebyfire,lightningorexplosion,theDamagetoPremisesRentedToYouLimitappliestoalldamageproximatelycausedbythesameevent,whethersuchdamageresultsfromfire,lightningorexplosionoranycombinationofthese.7.MedicalExpenseLimitSubjectto5.above,theMedicalExpenseLimitisthemostwewillpayunderCoverageCforallmedicalexpensesbecauseof“bodilyinjury”sustainedbyanyoneperson.8.HowLimitsApplyToAdditionallnsuredsIfyouhaveagreedinawrittencontractorwrittenagreementthatanotherpersonororganizationbeaddedasanadditionalinsuredonyourpolicy,themostwewillpayonbehalfofsuchadditionalinsuredisthelesserof:a.Thelimitsofinsurancespecifiedinthewrittencontractorwrittenagreement;orb.TheLimitsofInsuranceshownintheDeclarations.TheLimitsofInsuranceofthisCoveragePartapplyseparatelytoeachconsecutiveannualperiodandtoanyremainingperiodoflessthan12months,startingwiththebeginningofthepolicyperiodshownintheDeclarations,unlessthepolicyperiodisextendedafterissuanceforanadditionalperiodoflessthan12months.Inthatcase,theadditionalperiodwillbedeemedpartofthelastprecedingperiodforpurposesofdeterminingtheLimitsofInsurance.SECTIONIV-COMMERCIALGENERALLIABILITYCONDITIONS1.BankruptcyBankruptcyorinsolvencyoftheinsuredoroftheinsured’sestatewillnotrelieveusofourobligationsunderthisCoveragePart.2.DutiesInTheEventOfOccurrence,Offense,ClaimOrSuita.NoticeOfOccurrenceOrOffenseYouoranyadditionalinsuredmustseetoitthatwearenotifiedassoonaspracticableofan“occurrence”oranoffensewhichmayresultinaclaim.Totheextentpossible,noticeshouldinclude:(1)How,whenandwherethe“occurrence”oroffensetookplace;(2)Thenamesandaddressesofanyinjuredpersonsandwitnesses;and(3)Thenatureandlocationofanyinjuryordamagearisingoutofthe“occurrence”oroffense.b.NoticeOfClaimIfaclaimismadeor“suit”isbroughtagainstanyinsured,youoranyadditionalinsuredmust:(1)Immediatelyrecordthespecificsoftheclaimor“suit”andthedatereceived;and(2)Notifyusassoonaspracticable.Youoranyadditionalinsuredmustseetoitthatwereceivewrittennoticeoftheclaimor“suit”assoonaspracticable.c.AssistanceAndCooperationOfTheInsuredYouandanyotherinvolvedinsuredmust:(1)Immediatelysenduscopiesdemands,notices,summonsespapersreceivedinconnectionclaimor“suit”;(2)Authorizeustoobtainrecordsandotherinformation;(3)Cooperatewithusintheinvestigationorsettlementoftheclaimordefenseagainstthe“suit”;and(4)Assistus,uponourrequest,intheenforcementofanyrightagainstanypersonororganizationwhichmaybeliabletotheinsuredbecauseofinjuryordamagetowhichthisinsurancemayalsoapply.d.ObligationsAtTheInsuredsOwnCostNoinsuredwill,exceptatthatinsured’sowncost,voluntarilymakeapayment,assumeanyobligation,orincuranyexpense,otherthanforfirstaid,withoutourconsent.e.AdditionalInsuredsOtherInsuranceIfwecoveraclaimor“suit”underthisCoveragePartthatmayalsobecoveredbyotherinsuranceavailabletoanadditionalinsured,suchadditionalinsuredmustsubmitsuchclaimor“suit”totheotherinsurerfordefenseandindemnity.However,thisprovisiondoesnotapplytotheextentthatyouhaveagreedinawrittencontractorwrittenagreementthatthisinsuranceisprimaryandnon-contributorywiththeadditionalinsured’sowninsurance.f.KnowledgeOfAnOccurrence,Offense,ClaimOrSuitParagraphsa.andb.applytoyouortoanyadditionalinsuredonlywhensuch“occurrence”,offense,claimor“suit”isknownto:(1)Youoranyadditionalinsuredthatisanindividual;(2)Anypartner,ifyouortheadditionalinsuredisapartnership;SuchamountshallbeapartadditiontoLimitsofInsuranceDeclarationsanddescribedinthisofanyorlegalwiththeofandnotinshownintheSection.HG00010916Page15of2lDocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE (3)Anymanager,ifyouortheadditionalinsuredisalimitedliabilitycompany;(4)Any“executiveofficer’orinsurancemanager,ifyouortheadditionalinsuredisacorporation;(5)Anytrustee,ifyouortheadditionalinsuredisatrust;or(6)Anyelectedorappointedofficial,ifyouortheadditionalinsuredisapoliticalsubdivisionorpublicentity.Thisdutyappliesseparatelytoyouandanyadditionalinsured.3.LegalActionAgainstUsNopersonororganizationhasarightunderthisCoveragePart:a.Tojoinusasapartyorotherwisebringusintoa“suit”askingfordamagesfromaninsured;orb.TosueusonthisCoveragePartunlessallofitstermshavebeenfullycompliedwith.Apersonororganizationmaysueustorecoveronanagreedsettlementoronafinaljudgmentagainstaninsured;butwewillnotbeliablefordamagesthatarenotpayableunderthetermsofthisCoveragePartorthatareinexcessoftheapplicablelimitofinsurance.Anagreedsettlementmeansasettlementandreleaseofliabilitysignedbyus,theinsuredandtheclaimantortheclaimant’slegalrepresentative.4.OtherInsuranceIfothervalidandcollectibleinsuranceisavailabletotheinsuredforalosswecoverunderCoveragesAorBofthisCoveragePart,ourobligationsarelimitedasfollows:a.PrimaryInsuranceThisinsuranceisprimaryexceptwhenb.belowapplies.Ifotherinsuranceisalsoprimary,wewillsharewithallthatotherinsurancebythemethoddescribedinc.below.b.ExcessInsuranceThisinsuranceisexcessoveranyoftheotherinsurance,whetherprimary,excess,contingentoronanyotherbasis:(1)YourWorkThatisFire,ExtendedCoverage,Builder’sRisk,InstallationRiskorsimilarcoveragefor“yourwork”;(2)PremisesRentedToYouThatisfire,lightningorexplosioninsuranceforpremisesrentedtoyouortemporarilyoccupiedbyyouwithpermissionoftheowner;(3)TenantLiabilityThatisinsurancepurchasedbyyoutocoveryourliabilityasatenantfor“propertydamage”topremisesrentedtoyouortemporarilyoccupiedbyyouwithpermissionoftheowner;(4)Aircraft,AutoOrWatercraftIfthelossarisesoutofthemaintenanceoruseofaircraft,“autos”orwatercrafttotheextentnotsubjecttoExclusiong.ofSectionI-CoverageA-BodilyInjuryAndPropertyDamageLiability;(5)PropertyDamageToBorrowedEquipmentOrUseOfElevatorsIfthelossarisesoutof“propertydamage”toborrowedequipmentortheuseofelevatorstotheextentnotsubjecttoExclusionj.ofSectionI-CoverageA-BodilyInjuryAndPropertyDamageLiability;(6)WhenYouAreAddedAsAnAdditionalInsuredToOtherInsuranceAnyotherinsuranceavailabletoyoucoveringliabilityfordamagesarisingoutofthepremisesoroperations,orproductsandcompletedoperations,forwhichyouhavebeenaddedasanadditionalinsuredbythatinsurance;or(7)WhenYouAddOthersAsAnAdditionalInsuredToThisInsuranceAnyotherinsuranceavailabletoanadditionalinsured.However,thefollowingprovisionsapplytootherinsuranceavailabletoanypersonororganizationwhoisanadditionalinsuredunderthiscoveragepart.(a)PrimaryInsuranceWhenRequiredByContractThisinsuranceisprimaryifyouhaveagreedinawrittencontractorwrittenagreementthatthisinsurancebeprimary.Ifotherinsuranceisalsoprimary,wewillsharewithallthatotherinsurancebythemethoddescribedinc.below.(b)PrimaryAndNon-ContributoryToOtherInsuranceWhenRequiredByContractIfyouhaveagreedinawrittencontract,writtenagreement,orpermitthatthisinsuranceisprimaryandnoncontributorywiththeadditionalinsured’sowninsurance,thisinsuranceisprimaryandwewillnotseekcontributionfromthatotherinsurance.Page16of21HG00010916DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE Paragraphs(a)and(b)donotapplytootherinsurancetowhichtheadditionalinsuredhasbeenaddedasanadditionalinsured.Whenthisinsuranceisexcess,wewillhavenodutyunderCoveragesAorBtodefendtheinsuredagainstany“suit”ifanyotherinsurerhasadutytodefendtheinsuredagainstthat“suit”.Ifnootherinsurerdefends,wewillundertaketodoso,butwewillbeentitledtotheinsured’srightsagainstallthoseotherinsurers.Whenthisinsuranceisexcessoverotherinsurance,wewillpayonlyourshareoftheamountoftheloss,ifany,thatexceedsthesumof:(1)Thetotalamountthatallsuchotherinsurancewouldpayforthelossintheabsenceofthisinsurance;and(2)Thetotalofalldeductibleandself-insuredamountsunderallthatotherinsurance.Wewillsharetheremainingloss,ifany,withanyotherinsurancethatisnotdescribedinthisExcessInsuranceprovisionandwasnotboughtspecificallytoapplyinexcessoftheLimitsofInsuranceshownintheDeclarationsofthisCoveragePart.c.MethodOfSharingIfalloftheotherinsurancepermitscontributionbyequalshares,wewillfollowthismethodalso.Underthisapproacheachinsurercontributesequalamountsuntilithaspaiditsapplicablelimitofinsuranceornoneofthelossremains,whichevercomesfirst.Ifanyoftheotherinsurancedoesnotpermitcontributionbyequalshares,wewillcontributebylimits.Underthismethod,eachinsurer’sshareisbasedontheratioofitsapplicablelimitofinsurancetothetotalapplicablelimitsofinsuranceofallinsurers.5.PremiumAudita.WewillcomputeallpremiumsforthisCoveragePartinaccordancewithourrulesandrates.b.PremiumshowninthisCoveragePartasadvancepremiumisadepositpremiumonly.AtthecloseofeachauditperiodwewillcomputetheearnedpremiumforthatperiodandsendnoticetothefirstNamedInsured.Theduedateforauditandretrospectivepremiumsisthedateshownastheduedateonthebill.Ifthesumoftheadvanceandauditpremiumspaidforthepolicyperiodisgreaterthantheearnedpremium,wewillreturntheexcesstothefirstNamedInsured.c.ThefirstNamedInsuredmustkeeprecordsoftheinformationweneedforpremiumcomputation,andsenduscopiesatsuchtimesaswemayrequest.6.Representationsa.WhenYouAcceptThisPolicyByacceptingthispolicy,youagree:(1)ThestatementsintheDeclarationsareaccurateandcomplete;(2)Thosestatementsarebaseduponrepresentationsyoumadetous;and(3)Wehaveissuedthispolicyinrelianceuponyourrepresentations.b.UnintentionalFailureToDiscloseHazardsIfunintentionallyyoushouldfailtodiscloseallhazardsrelatingtotheconductofyourbusinessthatexistattheinceptiondateofthisCoveragePart,weshallnotdenycoverageunderthisCoveragePartbecauseofsuchfailure.7.SeparationOfInsuredsExceptwithrespecttotheLimitsofInsurance,andanyrightsordutiesspecificallyassignedinthisCoverageParttothefirstNamedInsured,thisinsuranceapplies:a.AsifeachNamedInsuredweretheonlyNamedInsured;andb.Separatelytoeachinsuredagainstwhomclaimismadeor“suit”isbrought.8.TransferOfRightsOfRecoveryAgainstOthersToUsa.TransferOfRightsOfRecoveryIftheinsuredhasrightstorecoverallorpartofanypayment,includingSupplementaryPayments,wehavemadeunderthisCoveragePart,thoserightsaretransferredtous.Theinsuredmustdonothingafterlosstoimpairthem.Atourrequest,theinsuredwillbring“suit”ortransferthoserightstousandhelpusenforcethem.b.WaiverOfRightsOfRecovery(WaiverOfSubrogation)Iftheinsuredhaswaivedanyrightsofrecoveryagainstanypersonororganizationforallorpartofanypayment,includingSupplementaryPayments,wehavemadeunderthisCoveragePart,wealsowaivethatright,providedtheinsuredwaivedtheirrightsofrecoveryagainstsuchpersonororganizationinacontract,agreementorpermitthatwasexecutedpriortotheinjuryordamage.9.WhenWeDoNotRenewIfwedecidenottorenewthisCoveragePart,wewillmailordelivertothefirstNamedInsuredshownintheDeclarationswrittennoticeoftheHG00010916Page17of21DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE nonreriewalnotlessthan30daysbeforetheexpirationdate.Ifnoticeismailed,proofofmailingwillbesufficientproofofnotice.SECTIONV-DEFINITIONS1.“Advertisement”meansthewidespreadpublicdisseminationofinformationorimagesthathasthepurposeofinducingthesaleofgoods,productsorservicesthrough:a.(1)Radio;(2)Television;(3)Billboard;(4)Magazine;(5)Newspaper;orb.Anyotherpublicationthatisgivenwidespreadpublicdistribution.However,“advertisement”doesnotinclude:a.Thedesign,printedmaterial,informationorimagescontainedin,onoruponthepackagingorlabelingofanygoodsorproducts:orb.Aninteractiveconversationbetweenoramongpersonsthroughacomputernetwork.2.“Advertisingidea”meansanyideaforan“advertisement”.3.“Asbestoshazard”meansanexposureorthreatofexposuretotheactualorallegedpropertiesofasbestosandincludesthemerepresenceofasbestosinanyform.4.“Auto”means:b.Anyotherlandvehiclethatissubjecttoacompulsoryorfinancialresponsibilitylaworothermotorvehicleinsurancelawwhereitislicensedorprincipallygaraged.However,“auto”doesnotinclude“mobileequipment’.5.‘Bodilyinjury”meansphysical:a.Injury;b.Sickness;orc.Diseasesustainedbyapersonand,ifarisingoutoftheabove,mentalanguishordeathatanytime.6.“Coverageterritory”means:a.TheUnitedStatesofAmerica(includingitsterritoriesandpossessions),PuertoRicoandCanada;b.Internationalwatersorairspace,butonlyiftheinjuryordamageoccursinthecourseoftravelortransportationbetweenanyplacesincludedina.above;orC.Allotherpartsoftheworldiftheinjuryordamagearisesoutof:(1)Goodsorproductsmadeorsoldbyyouintheterritorydescribedina.above;(2)Theactivitiesofapersonwhosehomeisintheterritorydescribedina.above,butisawayforashorttimeonyourbusiness;or(3)“Personalandadvertisinginjury”offensesthattakeplacethroughtheInternetorsimilarelectronicmeansofcommunicationprovidedtheinsured’sresponsibilitytopaydamagesisdeterminedintheUnitedStatesofAmerica(includingitsterritoriesandpossessions),PuertoRicoorCanada,ina“suit”onthemeritsaccordingtothesubstantivelawinsuchterritoryorinasettlementweagreeto.7.“Employee”includesa“leasedworker”.“Employee”doesnotincludea“temporaryworker”.8.“Employment-RelatedPractices”means:a.Refusaltoemploythatperson;b.Terminationofthatperson’semployment;orc.Employment-relatedpractices,policies,actsoromissions,suchascoercion,demotion,evaluation,reassignment,discipline,defamation,harassment,humiliation,discriminationormaliciousprosecutiondirectedatthatperson.9.“Executiveofficer”meansapersonholdinganyoftheofficerpositionscreatedbyyourcharter,constitution,by-lawsoranyothersimilargoverningdocument.10.”Hostilefire”meansonewhichbecomesuncontrollableorbreaksoutfromwhereitwasintendedtobe.11.”lmpairedproperty”meanstangibleproperty,otherthan“yourproduct”or“yourwork”,thatcannotbeusedorislessusefulbecause:a.Itincorporates“yourproduct”or“yourwork”thatisknownorthoughttobedefective,deficient,inadequateordangerous;orb.Youhavefailedtofulfillthetermsofacontractoragreement;ifsuchpropertycanberestoredtousebytherepair,replacement,adjustmentorremovalof“yourproduct”or“yourwork”,oryourfulfillingthetermsofthecontractoragreement.12.”lnsuredcontract”means:a.Acontractforaleaseofpremises.However,thatportionofthecontractforaleaseofpremisesthatindemnifiesanypersonororganizationfordamagebyfire,lightningorexplosiontopremiseswhilerentedtoyouortemporarilyoccupiedbyyouwithpermissionoftheownerissubjecttotheDamagetoa,Alandmotorvehicle,trailerorsemitrailerdesignedfortravelonpublicroads,includinganyattachedmachineryorequipment;orPage18of2lHG00010916DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE PremisesRentedToYouLimitdescribedinSectionIII-LimitsofInsurance;b.Asidetrackagreement;c.Anyeasementorlicenseagreement,includinganeasementorlicenseagreementinconnectionwithconstructionordemolitionoperationsonorwithin50feetofarailroad;d.Anobligation,asrequiredbyordinance,toindemnifyamunicipality,exceptinconnectionwithworkforamunicipality;Anelevatormaintenanceagreement;Thatpartofanyothercontractoragreementpertainingtoyourbusiness(includinganindemnificationofamunicipalityinconnectionwithworkperformedforamunicipality)underwhichyouassumethetortliabilityofanotherpartytopayfor“bodilyinjury”or“propertydamage”toathirdpersonororganization,providedthe“bodilyinjury”or“propertydamage”iscaused,inwholeorinpart,byyouorbythoseactingonyourbehalf.Tortliabilitymeansaliabilitythatwouldbeimposedbylawintheabsenceofanycontractoragreement.Paragraphf.includesthatpartofanycontractoragreementthatindemnifiesarailroadfor“bodilyinjury”or“propertydamage”arisingoutofconstructionordemolitionoperations,within50feetofanyrailroadpropertyandaffectinganyrailroadbridgeortrestle,tracks,road-beds,tunnel,underpassorcrossing.However,Paragraphf.doesnotincludethatpartofanycontractoragreement:(1)Thatindemnitiesanarchitect,engineerorsurveyorforinjuryordamagearisingoutof:(a)Preparing,approving,orfailingtoprepareorapprove,maps,shopdrawings,opinions,reports,surveys,fieldorders,changeordersordrawingsandspecifications;or(b)Givingdirectionsorinstructions,orfailingtogivethem,ifthatistheprimarycauseoftheinjuryordamage;or(2)Underwhichtheinsured,ifanarchitectengineerorsurveyor,assumesliabilityforaninjuryordamagearisingoutoftheinsured’srenderingorfailuretorenderprofessionalservices,includingthoselistedin(1)aboveandsupervisory,inspection,architecturalorengineeringactivities.13.”Leasedworker”meansapersonleasedtoyoubyalaborleasingfirmunderanagreementbetweenyouandthelaborleasingfirm,toperformdutiesrelatedtotheconductofyourbusiness.“Leasedworker”doesnotincludea“temporaryworker”.14.”Loadingorunloading”meansthehandlingofproperty:a.Afteritismovedfromtheplacewhereitisacceptedformovementintoorontoanaircraft,watercraftor“auto”;b.Whileitisinoronanaircraft,watercraftor“auto”;orC.Whileitisbeingmovedfromanaircraft,watercraftor“auto”totheplacewhereitisfinallydelivered;but“loadingorunloading”doesnotincludethemovementofpropertybymeansofamechanicaldevice,otherthanahandtruck,thatisnotattachedtotheaircraft,watercraftor“auto”.15.”Mobileequipment”meansanyofthefollowingtypesoflandvehicles,includinganyattachedmachineryorequipment:a.Bulldozers,farmmachinery,forkliftsandothervehiclesdesignedforuseprincipallyoffpublicroads;b.Vehiclesmaintainedforusesolelyonornexttopremisesyouownorrent;c.Vehiclesthattraveloncrawlertreads;ci.Vehicles,whetherself-propelledornot,maintainedprimarilytoprovidemobilitytopermanentlymounted:(1)Powercranes,shovels,loaders,diggersordrills;or(2)Roadconstructionorresurfacingequipmentsuchasgraders,scrapersorrollers;e.Vehiclesnotdescribedina.,b.,c.ord.abovethatarenotself-propelledandaremaintainedprimarilytoprovidemobilitytopermanentlyattachedequipmentofthefollowingtypes:(1)Aircompressors,pumpsandgenerators,includingspraying,welding,buildingcleaning,geophysicalexploration,lightingandwellservicingequipment;or(2)Cherrypickersandsimilardevicesusedtoraiseorlowerworkers;f.Vehiclesnotdescribedina.,b.,c.orci.abovemaintainedprimarilyforpurposesotherthanthetransportationofpersonsorcargo.However,self-propelledvehicleswiththefollowingtypesofpermanentlyattachedequipmentarenot“mobileequipment”butwillbeconsidered“autos”:(1)Equipmentdesignedprimarilyfor:(a)Snowremoval;(b)Roadmaintenance,butnotconstructionorresurfacing;or(c)Streetcleaning;e.f.HG00010916Page19of21DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE (2)Cherrypickersandsimilardevicesmountedonautomobileortruckchassisandusedtoraiseorlowerworkers;and(3)Aircompressors,pumpsandgenerators,includingspraying,welding,buildingcleaning,geophysicalexploration,lightingandwellservicingequipment.However,“mobileequipment”doesnotincludeanylandvehiclethatissubjecttoacompulsoryorfinancialresponsibilitylaworothermotorvehicleinsurancelawwhereitislicensedorprincipallygaraged.Landvehiclessubjecttoacompulsoryorfinancialresponsibilitylaworothermotorvehicleinsurancelawareconsidered“autos”.16.”Occurrence”meansanaccident,includingcontinuousorrepeatedexposuretosubstantiallythesamegeneralharmfulconditions.17.”Personalandadvertisinginjury”meansinjury,includingconsequential“bodilyinjury”,arisingoutofoneormoreofthefollowingoffenses:a.Falsearrest,detentionorimprisonment;b.Maliciousprosecution;d.Oral,writtenorelectronicpublication,inanymanner,ofmaterialthatslandersorlibelsapersonororganizationordisparagesaperson’sororganization’sgoods,productsorservices;e.Oral,writtenorelectronicpublication,inanymanner,ofmaterialthatviolatesaperson’srightofprivacy;f.Copying,inyour“advertisement”,aperson’sororganization’s“advertisingidea”orstyleof“advertisement”;org.Infringementofcopyright,slogan,ortitleofanyliteraryorartisticwork,inyour“advertisement”.18.”Pollutants”meananysolid,liquid,gaseousorthermalirritantorcontaminant,includingsmoke,vapor,soot,fumes,acids,alkalis,chemicalsandwaste.Wasteincludesmaterialstoberecycled,reconditionedorreclaimed.19.”Products-completedoperationshazard”:a.Includesall“bodilyinjury”and“propertydamage”occurringawayfrompremisesyouownorrentandarisingoutof“yourproduct”or“yourwork”except:(1)Productsthatarestillinyourphysicalpossession;or(2)Workthathasnotyetbeencompletedorabandoned.However,“yourwork”willbedeemedcompletedattheearliestofthefollowingtimes:(a)Whenalloftheworkcalledforinyourcontracthasbeencompleted.(b)Whenalloftheworktobedoneatthejobsitehasbeencompletedifyourcontractcallsforworkatmorethanonejobsite.(c)Whenthatpartoftheworkdoneatajobsitehasbeenputtoitsintendedusebyanypersonororganizationotherthananothercontractororsubcontractorworkingonthesameproject.mayneedservice,correction,repairorbutwhichisotherwisebetreatedascompleted.b.Doesnotinclude“bodilyinjury”or“propertydamage”arisingoutof:(1)Thetransportationofproperty,unlesstheinjuryordamagearisesoutofaconditioninoronavehiclenotownedoroperatedbyyou,andthatconditionwascreatedbythe“loadingorunloading”ofthatvehiclebyanyinsured;(2)Theexistenceoftools,equipmentorabandonedmaterials;or(3)Productsoroperationsforwhichtheclassification,listedintheDeclarationsorinapolicySchedule,statesthatproducts-completedoperationsaresubjecttotheGeneralAggregateLimit20.“Propertydamage”means:a.Physicalinjurytotangibleproperty,includingallresultinglossofuseofthatproperty.Allsuchlossofuseshallbedeemedtooccuratthetimeofthephysicalinjurythatcausedit;orb.Lossofuseoftangiblepropertythatisnotphysicallyinjured.Allsuchlossofuseshallbedeemedtooccuratthetimeofthe“occurrence”thatcausedit.Asusedinthisdefinition,computerizedorelectronicallystoreddata,programsorsoftwarearenottangibleproperty.Electronicdatameansinformation,factsorprograms:a.Storedasoron;b.Createdorusedon;orC.Transmittedtoorfrom;computersoftware,includingsystemsandapplicationssoftware,hardorfloppydisks,CD-Workthatmaintenance,replacement,complete,willc.Thewrongfulevictionfrom,wrongfulentryinto,orinvasionoftherightofprivateoccupancyofaroom,dwellingorpremisesthatapersonororganizationoccupies,committedbyoronbehalfofitsowner,landlordorlessor;uninstalledorunusedPage20of21HG00010916DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE ROMS,tapes!drives,cells,dataprocessingdevicesoranyothermediawhichareusedwithelectronicallycontrolledequipment.21.”Suit”meansacivilproceedinginwhichdamagesbecauseof‘bodilyinjury”,“propertydamage”or“personalandadvertisinginjury”towhichthisinsuranceappliesarealleged.“Suit”includes:a.Anarbitrationproceedinginwhichsuchdamagesareclaimedandtowhichtheinsuredmustsubmitordoessubmitwithourconsent;orb.Anyotheralternativedisputeresolutionproceedinginwhichsuchdamagesareclaimedandtowhichtheinsuredsubmitswithourconsent.22.“Temporaryworker”meansapersonwhoisfurnishedtoyoutosubstituteforapermanent“employee”onleaveortomeetseasonalorshort-termworkloadconditions.23.“Volunteerworker”meansapersonwhoa.Isnotyour“employee”;b.Donateshisorherwork;c.Actsatthedirectionofandwithinthescopeofdutiesdeterminedbyyou;andd.Isnotpaidafee,salaryorothercompensationbyyouoranyoneelsefortheirworkperformedforyou.24.”Yourproduct”:a.Means:25.“Yourwork”:a.Means:(1)Workoroperationsperformedbyyouoronyourbehalf;and(2)Materials,partsorequipmentfurnishedinconnectionwithsuchworkoroperations.b.Includes(1)Warrantiesorrepresentationsmadeatanytimewithrespecttothefitness,quality,durability,performanceoruseof“yourwork”,and(2)Theprovidingoforfailuretoprovidewarningsorinstructions.(1)Anygoodsorproducts,otherproperty,manufactured,sold,distributedordisposedofby:(a)You;(b)Otherstradingunderyourname;or(c)Apersonororganizationwhosebusinessorassetsyouhaveacquired;and(2)Containers(otherthanvehicles),materials,partsorequipmentfurnishedinconnectionwithsuchgoodsorproducts.b.Includes(1)Warrantiesorrepresentationsmadeatanytimewithrespecttothefitness,quality,durability,performanceoruseof“yourproduct”;and(2)Theprovidingoforfailuretoprovidewarningsorinstructions.c.Doesnotincludevendingmachinesorotherpropertyrentedtoorlocatedfortheuseofothersbutnotsold.thanrealhandled,HG00010916Page21of21DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE POLICYNUMBER:83UENPY9100COMMERCIALAUTOMOBILEHA99160312THISENDORSEMENTCHANGESTHEPOLICY.PLEASEREADITCAREFULLY.COMMERCIALAUTOMOBILEBROADFORMENDORSEMENTThisendorsementmodifiesinsuranceprovidedunderthefollowingBUSINESSAUTOCOVERAGEFORMTotheextentthattheprovisionsofthisendorsementprovidebroaderbenefitstothe“insured’thanotherprovisionsoftheCoverageForm,theprovisionsofthisendorsementapply.1.BROADFORMINSUREDA.SubsidiariesandNewlyAcquiredorFormedOrganizationsTheNamedInsuredshownintheDeclarationsisamendedtoinclude:(1)Anylegalbusinessentityotherthanapartnershiporjointventure,formedasasubsidiaryinwhichyouhaveanownershipinterestofmorethan50%ontheeffectivedateoftheCoverageForm.However,theNamedInsureddoesnotincludeanysubsidiarythatisan“insured”underanyotherautomobilepolicyorwouldbean“insured”undersuchapolicybutforitsterminationortheexhaustionofitsLimitofInsurance.(2)Anyorganizationthatisacquiredorformedbyyouandoverwhichyoumaintainmajorityownership.However,theNamedInsureddoesnotincludeanynewlyformedoracquiredorganization:(a)Thatisapartnershiporjointventure,(b)Thatisan‘insured”underanyotherpolicy,(c)ThathasexhausteditsLimitofInsuranceunderanyotherpolicy,or(d)180daysormoreafteritsacquisitionorformationbyyou,unlessyouhavegivenusnoticeoftheacquisitionorformation.Coveragedoesnotapplyto“bodilyinjury”or“propertydamage”thatresultsfroman“accident”thatoccurredbeforeyouformedoracquiredtheorganization.B.EmployeesasInsuredsParagraphAl..WHOISANINSUREDofSECTIONII-LIABILITYCOVERAGEisamendedtoadd:d.Any“employee”ofyourswhileusinga“auto”youdon’town,hireorinyourbusinessoryourcoveredborrowpersonalaffairs.C.LessorsasInsuredsParagraphAl.-WHOISANINSURED-ofSectionII-LiabilityCoverageisamendedtoadd:e.Thelessorofacovered“auto”whilethe“auto”isleasedtoyouunderawrittenagreementif:(1)Theagreementrequiresyoutoprovidedirectprimaryinsuranceforthelessorand(2)The“auto”isleasedwithoutadriver.Suchaleased“auto”willbeconsideredacovered“auto”youownandnotacovered“auto”youhire.D.AdditionalInsuredifRequiredbyContract-WHOISANINSURED-LiabilityCoverageisf.Whenyouhaveagreed,inawrittencontractorwrittenagreement,thatapersonororganizationbeaddedasanadditionalinsuredonyourbusinessautopolicy,suchpersonororganizationisan“insured”,butonlytotheextentsuchpersonororganizationisliablefor“bodilyinjury”or“propertydamage”causedbytheconductofan“insured”underparagraphsa.orb.ofWhoIsAnInsuredwithregardtotheownership,maintenanceoruseofacovered“auto.”(1)ParagraphAl.-ofSectionIIamendedtoadd©2011,TheHartford(IncludescopyrightedmaterialofISOProperties,Inc.,withitspermission.)FormHA99160312Page1of5DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE Theinsuranceaffordedtoanysuchadditionalinsuredappliesonlyifthe“bodilyinjury”or“propertydamage”occurs:(1)Duringthepolicyperiod,and(2)Subsequenttotheexecutionofsuchwrittencontract,and(3)Priortotheexpirationoftheperiodoftimethatthewrittencontractrequiressuchinsurancebeprovidedtotheadditionalinsured.(2)HowLimitsApplyIfyouhaveagreedinawrittencontractorwrittenagreementthatanotherpersonororganizationbeaddedasanadditionalinsuredonyourpolicy,themostwewillpayonbehalfofsuchadditionalinsuredisthelesserof:(a)Thelimitsofinsurancespecifiedinthewrittencontractorwrittenagreement;or(b)TheLimitsofInsuranceshownintheDeclarations.Section(3)AdditionalInsuredsOtherInsuranceIfwecoveraclaimor“suit”underthisCoveragePartthatmayalsobecoveredbyotherinsuranceavailabletoanadditionalinsured,suchadditionalinsuredmustsubmitsuchclaimor“suit”totheotherinsurerfordefenseandindemnity.However,thisprovisiondoesnotapplytotheextentthatyouhaveagreedinawrittencontractorwrittenagreementthatthisinsuranceisprimaryandnon-contributorywiththeadditionalinsured’sowninsurance.(4)DutiesinTheEventOfAccident,Claim,SuitorLossIfyouhaveagreedinawrittencontractorwrittenagreementthatanotherpersonororganizationbeaddedasanadditionalinsuredonyourpolicy,theadditionalinsuredshallberequiredtocomplywiththeprovisionsinLOSSCONDITIONS2.-DUTIESINTHEEVENTOFACCIDENT,CLAIM,SUITORLOSS—OFSECTIONIV—BUSINESSAUTOCONDITIONS,inthesamemannerastheNamedInsured.E.PrimaryandNon-ContributoryifRequiredbyContractOnlywithrespecttoinsuranceprovidedtoanadditionalinsurediniD.-AdditionalInsuredIfRequiredbyContract,thefollowingprovisionsapply:(3)PrimaryInsuranceWhenRequiredByContractThisinsuranceisprimaryifyouhaveagreedinawrittencontractorwrittenagreementthatthisinsurancebeprimary.Ifotherinsuranceisalsoprimary,wewillsharewithallthatotherinsurancebythemethoddescribedinOtherInsurance5.d.(4)PrimaryAndNon-ContributoryToOtherInsuranceWhenRequiredByContractIfyouhaveagreedinawrittencontractorwrittenagreementthatthisinsuranceisprimaryandnon-contributorywiththeadditionalinsured’sowninsurance,thisinsuranceisprimaryandwewillnotseekcontributionfromthatotherinsurance.Paragraphs(3)and(4)donotapplytootherinsurancetowhichtheadditionalinsuredhasbeenaddedasanadditionalinsured.Whenthisinsuranceisexcess,wewillhavenodutytodefendtheinsuredagainstany“suit”ifanyotherinsurerhasadutytodefendtheinsuredagainstthat“suit”.Ifnootherinsurerdefends,wewillundertaketodoso,butwewillbeentitledtotheinsured’srightsagainstallthoseotherinsurers.Whenthisinsuranceisexcessoverotherinsurance,wewillpayonlyourshareoftheamountoftheloss,ifany,thatexceedsthesumof:(1)Thetotalamountthatinsurancewouldpayforabsenceofthisinsurance;and(2)Thetotalofalldeductibleandself-insuredamountsunderallthatotherinsurance.Wewillsharetheremainingloss,ifany,bythemethoddescribedinOtherInsurance5.d.2.AUTOSRENTEDBYEMPLOYEESAny“auto”hiredorrentedbyyour“employee”onyourbehalfandatyourdirectionwillbeconsideredan“auto”youhire.TheOTHERINSURANCEConditionisamendedbyaddingthefollowing:©2011,TheHartford(IncludescopyrightedmaterialofISOProperties,Inc.,withitspermission.)SuchamountshallbeinadditiontoLimitsofintheDeclarationsandapartofandnotInsuranceshowndescribedinthisallsuchotherthelossintheFormHA99160312Page2of5DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE Ifan“employee’s”personalinsurancealsoappliesonanexcessbasistoacovered“auto”hiredorrentedbyyour“employee”onyourbehalfandatyourdirection,thisinsurancewillbeprimarytothe“employee’s”personalinsurance.3.AMENDEDFELLOWEMPLOYEEEXCLUSIONEXCLUSION5.-FELLOWEMPLOYEE-ofSECTIONII-LIABILITYCOVERAGEdoesnotapplyifyouhaveworkers’compensationinsurancein-forcecoveringallofyour“employees”.Coverageisexcessoveranyothercollectibleinsurance.4.HIREDAUTOPHYSICALDAMAGECOVERAGEIfhired“autos”arecovered“autos”forLiabilityCoverageandifComprehensive,SpecifiedCausesofLoss,orCollisioncoveragesareprovidedunderthisCoverageFormforany“auto”youown,thenthePhysicalDamageCoveragesprovidedareextendedto“autos”youhireorborrow,subjecttothefollowinglimit.Themostwewillpayfor“loss”toanyhired“auto”is:(1)$100,000(2)Theactualcashvalueofthedamagedorstolenpropertyatthetimeofthe“loss”;or(3)Thecostofrepairingorreplacingthedamagedorstolenproperty,whicheverissmallest,minusadeductible.Thedeductiblewillbeequaltothelargestdeductibleapplicabletoanyowned“auto”forthatcoverage.Nodeductibleappliesto“loss”causedbyfireorlightning.HiredAutoPhysicalDamagecoverageisexcessoveranyothercollectibleinsurance.Subjecttotheabovelimit,deductibleandexcessprovisions,wewillprovidecoverageequaltothebroadestcoverageapplicabletoanycovered“auto”youown.Wewillalsocoverlossofuseofthehired“auto”ifitresultsfroman“accident”,youarelegallyliableandthelessorincursanactualfinancialloss,subjecttoamaximumof$1000per“accident”.Thisextensionofcoveragedoesnotapplytoany“auto”youhireorborrowfromanyofyour“employees”,partners(ifyouareapartnership),members(ifyouarealimitedliabilitycompany),ormembersoftheirhouseholds.5.PHYSICALDAMAGE-ADDITIONALTEMPORARYTRANSPORTATIONEXPENSECOVERAGEParagraphA.4.a.ofSECTIONIII-PHYSICALDAMAGECOVERAGEisamendedtoprovidealimitof$50perdayandamaximumlimitof$1,000.6.LOANILEASEGAPCOVERAGEUnderSECTIONIII-PHYSICALDAMAGECOVERAGE,intheeventofatotal“loss”toacovered“auto”,wewillpayyouradditionallegalobligationforanydifferencebetweentheactualcashvalueofthe“auto”atthetimeofthe“loss”andthe“outstandingbalance”oftheloan/lease.“Outstandingbalance”meanstheamountyouoweontheloan/leaseatthetimeof“loss”lessanyamountsrepresentingtaxes;overduepayments;penalties,interestorchargesresultingfromoverduepayments;additionalmileagecharges;excesswearandtearcharges;leaseterminationfees;securitydepositsnotreturnedbythelessor;costsforextendedwarranties,creditlifeInsurance,health,accidentordisabilityinsurancepurchasedwiththeloanorlease;andcarry-overbalancesfrompreviousloansorleases.7.AIRBAGCOVERAGEUnderParagraphB.EXCLUSIONS-ofSECTIONIII-PHYSICALDAMAGECOVERAGE,thefollowingisadded:Theexclusionrelatingtomechanicalbreakdowndoesnotapplytotheaccidentaldischargeofanairbag.8.ELECTRONICEQUIPMENT.BROADENEDCOVERAGEa.TheexceptionstoParagraphsB.4-EXCLUSIONS-ofSECTIONIII-PHYSICALDAMAGECOVERAGEarereplacedbythefollowing:Exclusions4.c.and4.d.donotapplytoequipmentdesignedtobeoperatedsolelybyuseofthepowerfromthe“auto’s”electricalsystemthat,atthetimeof“loss”,is:(1)Permanentlyinstalledinoruponthecovered“auto”;(2)Removablefromahousingunitwhichispermanentlyinstalledinoruponthecovered“auto”;(3)AnintegralpartofthesameunithousinganyelectronicequipmentdescribedinParagraphs(1)and(2)above;or©2011,TheHartford(IncludescopyrightedmaterialofISOProperties,Inc.,withitspermission.)FormHA99160312Page3of5DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE (4)Necessaryforthenormaloperationofthecovered“auto”orthemonitoringofthecovered“auto’s”operatingsystem.b.SectionIll—VersionCA00010310oftheBusinessAutoCoverageForm,PhysicalDamageCoverage,LimitofInsurance,Paragraph0.2andVersionCA00011001oftheBusinessAutoCoverageForm,PhysicalDamageCoverage,LimitofInsurance,ParagraphCareeachamendedtoaddthefollowing:$1,500isthemostwewillpayfor“loss”inanyone“accident”toallelectronicequipment(otherthanequipmentdesignedsolelyforthereproductionofsound,andaccessoriesusedwithsuchequipment)thatreproduces,receivesortransmitsaudio,visualordatasignalswhich,atthetimeof“loss”,is:(1)Permanentlyinstalledinoruponthecovered“auto”inahousing,openingorotherlocationthatisnotnormallyusedbythe“auto”manufacturerfortheinstallationofsuchequipment;(2)RemovablefromapermanentlyinstalledhousingunitasdescribedinParagraph2.a.aboveorisanintegralpartofthatequipment;or(3)Anintegralpartofsuchequipment.c.Foreachcovered“auto”,shouldlossbelimitedtoelectronicequipmentonly,ourobligationtopayfor,repair,returnorreplacedamagedorstolenelectronicequipmentwillbereducedbytheapplicabledeductibleshownintheDeclarations,orS250,whicheverdeductibleisless.EXPENSE-BROADENEDUnderParagraphA.-COVERAGE-ofSECTIONIII-PHYSICALDAMAGECOVERAGE,wewillpayfortheexpenseofreturningastolencovered‘auto”toyou.10.GLASSREPAIR-WAIVEROFDEDUCTIBLEUnderParagraphD.-DEDUCTIBLE-ofSECTIONIII-PHYSICALDAMAGECOVERAGE,thefollowingisadded:Nodeductibleappliestoglassdamageiftheglassisrepairedratherthanreplaced.11.TWOORMOREDEDUCTIBLESUnderParagraphD.-DEDUCTIBLE-ofSECTIONIII-PHYSICALDAMAGECOVERAGE,thefollowingisadded:IfanotherHartfordFinancialServicesGroup,Inc.companypolicyorcoverageformthatisnotanautomobilepolicyorcoverageformappliestothesame“accident”,thefollowingapplies:(1)IfthedeductibleunderthisBusinessAutoCoverageFormisthesmaller(orsmallest)deductible,itwillbewaived;(2)IfthedeductibleunderthisBusinessAutoCoverageFormisnotthesmaller(orsmallest)deductible,itwillbereducedbytheamountofthesmaller(orsmallest)deductible.12.AMENDEDDUTIESINTHEEVENTOFACCIDENT,CLAIM,SUITORLOSSTherequirementinLOSSCONDITIONS2.a.-DUTIESINTHEEVENTOFACCIDENTCLAIM,SUITORLOSS-ofSECTIONIV-BUSINESSAUTOCONDITIONSthatyoumustnotifyusofan“accident”appliesonlywhenthe“accident”isknownto:(1)You,ifyouareanindividual;(2)Apartner,ifyouareapartnership;(3)Amember,ifyouarealimitedliabilitycompany;or(4)Anexecutiveofficerorinsurancemanager,ifyouareacorporation.13.UNINTENTIONALFAILURETODISCLOSEHAZARDSIfyouunintentionallyfailtodiscloseanyhazardsexistingattheinceptiondateofyourpolicy,wewillnotdenycoverageunderthisCoverageFormbecauseofsuchfailure.14.HIREDAUTO-COVERAGETERRITORYParagraphe.ofGENERALCONDITIONS7.-POLICYPERIOD,COVERAGETERRITORY-ofSECTIONIV-BUSINESSAUTOCONDITIONSisreplacedbythefollowing:e.Forshort-termhired“autos”,thecoverageterritorywithrespecttoLiabilityCoverageisanywhereintheworldprovidedthatifthe“insured’s”responsibilitytopaydamagesfor“bodilyinjury”or“propertydamage”isdeterminedina“suit,”the“suit”isbroughtintheUnitedStatesofAmerica,theterritoriesandpossessionsoftheUnitedStatesofAmerica,PuertoRicoorCanadaorinasettlementweagreeto.15.WAIVEROFSUBROGATIONTRANSFEROFRIGHTSOFRECOVERYAGAINSTOTHERSTOUS-ofSECTIONIV-BUSINESSAUTOCONDITIONSisamendedbyaddingthefollowing:©2011,TheHartford(IncludescopyrightedmaterialofISOProperties,Inc.,withitspermission.)9.EXTRACOVERAGEFormHA99160312Page4of5DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE WewaiveanyrightofrecoverywemayhaveagainstanypersonororganizationwithwhomyouhaveawrittencontractthatrequiressuchwaiverbecauseofpaymentswemakefordamagesunderthisCoverageForm.16.RESULTANTMENTALANGUISHCOVERAGEThedefinitionof“bodilyinjury’inSECTIONVDEFINITIONSisreplacedbythefollowing:‘Bodilyinjury”meansbodilyinjury,sicknessordiseasesustainedbyanyperson,includingmentalanguishordeathresultingfromanyofthese.17.EXTENDEDCANCELLATIONCONDITIONParagraph2.oftheCOMMONCONDITIONS-CANCELLATIONexceptasfollows:Ifwecancelforanyreasonotherthannonpaymentofpremium,wewillmailordelivertothefirstNamedInsuredwrittennoticeofcancellationatleast60daysbeforetheeffectivedateofcancellation.18.HYBRID,ELECTRIC,ORNATURALGASVEHICLEPAYMENTCOVERAGEIntheeventofatotallosstoa“non-hybrid”autoforwhichComprehensive,SpecifiedCausesofLoss,orCollisioncoveragesareprovidedunderthisCoverageForm,thensuchPhysicalDamageCoveragesareamendedasfollows:a.lftheautoisreplacedwitha“hybrid”autooranautopoweredsolelybyelectricityornaturalgas,wewillpayanadditional10%,toamaximumof$2,500,ofthe“non-hybrid”auto’sactualcashvalueorreplacementcost,whicheverisless,bTheautomustbereplacedandacopyofabillofsaleornewleaseagreementreceivedbyuswithin60calendardaysofthedateof“loss”c.Regardlessofthenumberofautosdeemedatotalloss,themostwewillpayunderthisHybrid,Electric,orNaturalGasVehiclePaymentCoverageprovisionforanyone“loss”is$10,000.Forthepurposesofthecoverageprovision,a.A“non-hybrid”autoisdefinedasanautothatusesonlyaninternalcombustionenginetomovetheautobutdoesnotincludeautospoweredsolelybyelectricityornaturalgas.b.A“hybrid”autoisdefinedasanautowithaninternalcombustionengineandoneormoreelectricmotors;andthatusestheinternalcombustionengineandoneormoreelectricmotorstomovetheauto,ortheinternalcombustionenginetochargeoneormoreelectricmotors,whichmovetheauto.19.VEHICLEWRAPCOVERAGEIntheeventofatotallosstoan“auto”forwhichComprehensive,SpecifiedCausesofLoss,orCollisioncoveragesareprovidedunderthisCoverageForm,thensuchPhysicalDamageCoveragesareamendedtoaddthefollowing:Inadditiontotheactualcashvalueofthe“auto”,wewillpayupto$1,000forvinylvehiclewrapswhicharedisplayedonthecovered“auto”atthetimeoftotalloss.Regardlessofthenumberofautosdeemedatotalloss,themostwewillpayunderthisVehicleWrapCoverageprovisionforanyone“loss”is$5,000.Forpurposesofthiscoverageprovision,signsorothergraphicspaintedormagneticallyaffixedtothevehiclearenotconsideredvehiclewraps.©2011,TheHartford(IncludescopyrightedmaterialofISOProperties,Inc.,withitspermission.)POLICY-appliesFormHA99160312Page5of5DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE DocuSign Envelope ID: 583AECA6-4671-4C07-B23A-F9D3811FC2EE AGREEMENT FOR BUILDING PLAN CHECK SERVICES ESGIL CORPORATION T~IS AGREEMENT is made and entered into as of the J4tVl day of ( JUY\..t. , 2017, by and between the CITY OF CARLSBAD, a municipal corporation, ("City"), and ESGIL CORPORATION, a California corporation, ("Contractor"). RECITALS A. City requires the professional services of a building plan check contractor to provide the necessary building plan check services for proposed construction projects and is experienced in current building codes as adopted by the City. B. Contractor has the necessary experience in providing professional services and advice related to building plan check. 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") as defined below: a) Perform traditional preliminary building plan check consultations in Contractor's main office by meetings or by telephone. b) Perform traditional initial building plan check of submitted plans to determine compliance with City adopted California Building Code, California Plumbing Code, California Mechanical Code, California Electric Code, California Green Building Code, California Residential Code, and California State, Title 24 (Energy Conservation, Disabled Access and Noise Attenuation). c) Provide the applicant's designee and the City a written list of items needing clarification or change in order to achieve conformance with the above regulations. d) Perform all necessary liaison with the applicant's designee, either by telephone, mail or meeting in Contractor's main office, and perform all necessary rechecks to achieve conformance to the regulations. e) Perform all necessary liaison with the Building Official, or his designee, either by mail, telephone or in Contractor's main office, to ensure compliance with the California Building Code Section 1.8.6.1 and to ensure compliance with local policy interpretations. f) Perform building plan checks of revisions to plans that have previously been approved for permit issuance, or perform building plan checks of major changes to plans prior to such approval, when such major changes are not required to achieve code conformance. g) Perform accessibility surveys upon request and demonstrate that designated staff providing this service are GASP certified. h) Attend meetings related to proposed building projects at the request of the Building Official at locations other than Contractor's main office. i) The City uses Tyler Technologies' EnerGov solution for land management, business licenses and code compliance. Contractor will be provided appropriate licensing for EnerGov and will be expected to enter plan-checking and inspection information. Phase 2 of the EnerGov implementation includes digital plan- checking. When digital plan review is implemented, Contractor will provide their City Attorney Approved Version 4/1/15 own Adobe Acrobat or Bluebeam software license(s) to carry-out plan check review in accordance with City procedures. 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. CITY OBLIGATIONS The City shall perform the following work: a) Obtain from applicant, at time of project submittal, the necessary items to allow plan checking to be completed in the shortest overall timeframe. Necessary items include, but are not limited to, complete plans, construction specifications, soil reports, Title 24 energy calculations, structural calculations, the name, address and telephone number of the applicant's designated contact person and similar items that may be unique to a particular project. b) Provide the valuation for the proposed construction or instruct Contractor to calculate the valuation in accordance with City's adopted valuation schedule. c) Provide Contractor with copies of any City ordinances that modify the regulations listed in 1.b. d) Collect sufficient plan check fees or deposits from project applicants to ensure City will not suffer a loss if the applicant decides to abandon the permit process after Contractor has completed the initial plan check. 4. PROGRESS AND COMPLETION Contractor shall complete plan checks according to the following schedule: a) First plan check: complete and return to City within ten (1 0) working days from date of plan submission to City. b) Second and third plan checks: compete and return to City within five (5) working days from date of submission to City 5. TERM The term of this Agreement will be effective for a period of three (3) years 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. 6. TIME IS OF THE ESSENCE Time is of the essence for each and every provision of this Agreement. 7. COMPENSATION a) The total fee payable for Services to be performed during the initial Agreement term will be as indicated in Exhibit A. The construction valuation shall be based on the most recent valuation multiplier adopted by the City or on the architect's estimated construction cost, or on the Building Official's cost estimate. The Building Official shall have final decision authority over the value used. No other compensation for the Services will be allowed except for items covered by subsequent amendments to this Agreement. The City reserves the right to withhold a ten percent (10%) retention until City has accepted the work and/or Services as specified in Exhibit "A". City Attorney Approved Version 4/1/15 2 b) Compensation under Section 1.f shall be calculated either the same as 7.a or shall be based on Contractor's current Hourly Rates Schedule. The method used will be at the discretion of the Contractor with the approval of the Building Official. c) Compensation for work performed under 1.g and 1.h shall be based on Contractor's hourly rates (Exhibit A). d) The Contractor shall not perform extra work without written authorization from the Building Official. Incremental payments, if applicable, should be made as outlined in attached Exhibit "A". 8. 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 subcontractor of Contractor for work done under this Agreement. At the City's election, City may deduct the indemnification amount from any balance owing to Contractor. 9. 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. 10. OTHER CONTRACTORS The City reserves the right to employ other Contractors in connection with the Services. 11. INDEMNIFICATION Contractor agrees to indemnify and hold harmless the City and its officers, officials, employees and volunteers from and against all claims, damages, losses and expenses including attorney's fees arising out of the performance of the work described herein caused by any negligence, recklessness, or willful misconduct of the Contractor, any subcontractor, anyone directly or indirectly employed by any of them or anyone for whose acts any of them may be liable. The parties expressly agree that any payment, 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' City Attorney Approved Version 4/1/15 3 compensation is included as 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. 12. 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 connection with performance of the services by Contractor or Contractor's agents, representatives, 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 California's List of Approved Surplus Line Insurers (LASLI) with a rating in the latest Best's Key Rating Guide of at least "A:X"; OR an alien non-admitted insurer listed by the National Association of Insurance Commissioners (NAIC) latest quarterly listings report. 12.1 Coverage and Limits. Contractor will maintain the types of coverage and minimum limits indicated below, unless the 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. 12.1.1 Commercial General Liability Insurance. $1,000,000 combined single-limit per occurrence for bodily injury, personal injury and property damage. If the submitted policies contain aggregate limits, general aggregate limits will apply separately to the work under this Agreement or the general aggregate will be twice the required per occurrence limit. 12.1.2 Automobile Liability. (if the use of an automobile is involved for Contractor's work for City). $1,000,000 combined single-limit per accident for bodily injury and property damage. 12.1.3 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. 12.1.4 Professional Liability. Errors and omissions liability appropriate to Contractor's profession 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. 12.2 Additional Provisions. Contractor will ensure that the policies of insurance required under this Agreement contain, or are endorsed to contain, the following provisions: 12.2.1 The City will be named as an additional insured on Commercial General Liability which shall provide primary coverage to the City. 12.2.2 Contractor will obtain occurrence coverage, excluding Professional Liability, which will be written as claims-made coverage. City Attorney Approved Version 4/1/15 4 12.2.3 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. 12.3 Providing Certificates of Insurance and Endorsements. Prior to City's execution of this Agreement, Contractor will furnish certificates of insurance and endorsements to City. 12.4 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. 12.5 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. 13. 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. 14. 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 three (3) years from the date of final payment under this Agreement. 15. 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 product for Contractor's records. 16. 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. City Attorney Approved Version 4/1/15 5 17. 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. For City Name Mike Peterson Title Building Official Department Building Division City of Carlsbad Address 1635 Faraday Avenue Carlsbad, CA 92008 Phone No. 760-602-2721 For Contractor Name Kurt Culver Title Director Address 9320 Chesapeake Dr. #208 San Diego, CA 92123 Phone No. 858-560-1468 Email kculver@esgil.com 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. 18. 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 in all four categories. 19. 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 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. 20. DISCRIMINATION AND HARASSMENT PROHIBITED Contractor will comply with all applicable local, state and federal laws and regulations prohibiting discrimination and harassment. 21. 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 City Attorney Approved Version 4/1/15 6 upon the parties involved, although nothing in this procedure will prohibit the parties from seeking remedies available to them at law. 22. 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. Either party upon tendering thirty (30) days written notice to the other party may terminate this Agreement. In this event 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. 23. 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. 24. 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. 25. JURISDICTION AND VENUE 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. City Attorney Approved Version 4/1/15 7 26. 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. 27. ENTIREAGREEMENT 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 amended, modified, waived or discharged except in a writing signed by both parties. Ill Ill Ill Ill Ill Ill Ill Ill Ill Ill Ill Ill Ill Ill Ill Ill Ill Ill City Attorney Approved Version 4/1/15 8 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. CONTRACTOR ESGIL CORPORATION, a California corporation By: ~ ~-·-re_(_c -(JJ--,5 Gregory Toth, President (print name/title) By~ c (sign here) Tom Wilkas, CFO (print name/title) CITY OF CARLSBAD, a municipal corporation of the State of California ATTEST: 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 Chairman, President, or Vice-President Group 8 Secretary, Assistant Secretary, 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: CELIA A. BREWER, City Attorney City Attorney Approved Version 4/1/15 9 a) Initial Plan Review EXHIBIT "A" ESGIL CORPORATION BUILDING PLANCHECK SCOPE OF SERVICES For building code plan reviews (including plumbing, mechanical, electrical, energy and disabled access), Contractor's fee will be as follows: • City of Carlsbad FY 17/18 equal to 57% of Building Permit Fee collected by the City. • City of Carlsbad FY 18/19 equal to 61% of Building Permit Fee collected by the City. • City of Carlsbad FY 19/20 equal to 65% of Building Permit Fee collected by the City. b) Repetitive Track Homes: For repetitive plan reviews, Contractor proposes a fee equal to 10% of the Building Plan Check Fee collected by the City, for each building. c) Rechecks #1, #2, #3 (all): No additional fees. Fees included in the initial plan review fee. d) Plan Pickup and Delivery Charge: No charge to the City. e) Other Fees: • Preliminary Plan Checks: No charge to City. • Revisions: Plan check revisions, after plans are approved, will be reviewed and b iII e d on an hourly basis, based on the hourly rates listed below. Supervising Structural Engineer CASp Certified Access Examiner LEED Certified Plans Examiner Structural Engineer Civil Engineer Electrical Engineer Mechanical Engineer I.C.C. Plans Examiner Note ESGIL Hourly Rates $135.00 $120.00 $120.00 $120.00 $105.00 $105.00 $105.00 $90.00 EsGil hourly labor rates may be used when requested by our clients where a Building Plan Check Fee is not applicable. City Attorney Approved Version 4/1/15 10