1-24-25 COI.pdf

ANY PROPRIETOR/PARTNER/EXECUTIVE

OFFICER/MEMBER EXCLUDED?

INSR ADDL SUBR

LTR INSD WVD

PRODUCER CONTACT

NAME:

FAXPHONE

(A/C, No):(A/C, No, Ext):

E-MAIL

ADDRESS:

INSURER A :

INSURED INSURER B :

INSURER C :

INSURER D :

INSURER E :

INSURER F :

POLICY NUMBER POLICY EFF POLICY EXPTYPE OF INSURANCE LIMITS(MM/DD/YYYY) (MM/DD/YYYY)

AUTOMOBILE LIABILITY

UMBRELLA LIAB

EXCESS LIAB

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY

DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)

AUTHORIZED REPRESENTATIVE

EACH OCCURRENCE $

DAMAGE TO RENTEDCLAIMS-MADE OCCUR $PREMISES (Ea occurrence)

MED EXP (Any one person) $

PERSONAL & ADV INJURY $

GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $

PRO-POLICY LOC PRODUCTS - COMP/OP AGGJECT

OTHER: $

COMBINED SINGLE LIMIT

$(Ea accident)

ANY AUTO BODILY INJURY (Per person) $

OWNED SCHEDULED

BODILY INJURY (Per accident) $AUTOS ONLY AUTOS

HIRED NON-OWNED PROPERTY DAMAGE

$AUTOS ONLY AUTOS ONLY (Per accident)

OCCUR EACH OCCURRENCE

CLAIMS-MADE AGGREGATE $

DED RETENTION $

PER OTH-

STATUTE ER

E.L. EACH ACCIDENT

E.L. DISEASE - EA EMPLOYEE $

If yes, describe under

E.L. DISEASE - POLICY LIMITDESCRIPTION OF OPERATIONS below

INSURER(S) AFFORDING COVERAGE NAIC #

COMMERCIAL GENERAL LIABILITY

Y / N N / A

(Mandatory in NH)

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE

THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN

ACCORDANCE WITH THE POLICY PROVISIONS.

THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.

THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED

REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.

IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must 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).

COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:

CERTIFICATE HOLDER CANCELLATION

© 1988-2015 ACORD CORPORATION. All rights reserved.ACORD 25 (2016/03)

CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY)

The ACORD name and logo are registered marks of ACORD

8/30/2024

(928) 536-2989 (928) 536-3089

23280

Ironside Engineering & Development Inc.

PO Box 1358 Show Low, AZ 85902-1358

42376 10200

A 1,000,000

X X ECP 0470735 1/1/2024 1/1/2025 1,000,000

10,000

1,000,000 2,000,000 2,000,000

1,000,000A

X X ECP 0470735 1/1/2024 1/1/2025

5,000,000A

ECP 0470735 1/1/2024 1/1/2025 5,000,000

B

TWC4363150 1/1/2024 1/1/2025 1,000,000

1,000,000 1,000,000

C Professional Liab URA104978324 1/1/2024 Ea clm $2,000,00/Agg 2,000,000 A Equipment Floater ECP 0470735 1/1/2024 1/1/2025 Aggregate 25,000

Additional insured and Waiver of subrogation per attached forms. Primary and NonContributory per attached form. Additional insured per contract completed ops per attached form. Additional insured per contract completed ops per attached form.Auto additional insured and waiver of subrogation per attached form.

IRONENG-01 BVINCENT

The Mahoney Group - Snowflake 1835 South Extension Road Mesa, AZ 85210

Cincinnati Indemnity Company Technology Insurance Company Hiscox Insurance Company Inc.

X

1/1/2025

X X

X

X

X

X

X

Includes copyrighted material of Insurance GCP 203 09 20 Services Office, Inc., with its permission. Page 1 of 13

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CinciPakTM

COMMERCIAL GENERAL LIABILITY BROADENED

ENDORSEMENT

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. Endorsement - Table of Contents:

Coverage: Begins on Page:

1. Employee Benefit Liability Coverage

2. Unintentional Failure To Disclose Hazards

3. Supplementary Payments

4. Medical Payments

5. 180 Day Coverage For Newly Formed Or Acquired Organizations

6. Waiver Of Subrogation

7. Automatic Additional Insured - Specified Relationships:

(a) Managers Or Lessors Of Premises

(b) Lessor Of Leased Equipment

(c) Vendors

(d) State Or Governmental Agency Or Subdivision Or Political Subdivision -

Permits Or Authorizations Relating To Premises

(e) Mortgagee, Assignee Or Receiver

8. Property Damage To Borrowed Equipment

9. Employees As Insureds - Specified Health Care Services And Good Samaritan

Services

10. Broadened Notice Of Occurrence

11. Nonowned Aircraft

12. Bodily Injury Redefined

13. Expected Or Intended Injury Redefined

14. Former Employees As Insureds

B. Limits Of Insurance:

The Commercial General Liability Limits of Insurance apply to the insurance provided by this endorse-ment, except as provided below:

1. Employee Benefit Liability Coverage

Each Employee Limit: $1,000,000 Aggregate Limit: $3,000,000 Deductible Amount: $ 1,000

3. Supplementary Payments

Bail Bonds: $2,500

4. Medical Payments

Medical Expense Limit: $10,000

8. Property Damage To Borrowed Equipment

Each Occurrence Limit: $10,000 Deductible Amount: $ 250

GCP 203 09 20 Services Office, Inc., with its permission. Page 2 of 13

C. Coverages

1. Employee Benefit Liability Coverage

a. The following is added to Section I - Coverages:

EMPLOYEE BENEFIT LIABILITY

COVERAGE

(1) Insuring Agreement

(a) We will pay those sums that the insured becomes legally obligated to pay as damag-es caused by any act, error or omission of the insured, or of any other person for whose acts the insured is legally liable, to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend against any "suit" seeking damages to which this in-surance does not apply. We may, at our discretion, in-vestigate any report of an act, error or omission and settle any claim or "suit" that may result. But:

1) The amount we will pay for damages is limited as described in C. Cov-erages, 1. Employee Benefit Liability Cover-age, c. Limits Of Insur-ance of this endorse-ment; and

2) Our right and duty to defend ends when we have used up the appli-cable limit of insurance in the payment of judg-ments or settlements.

No other obligation or liabil-ity to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Pay-ments.

(b) This insurance applies to damages only if the act, er-ror or omission is negligently committed in the "admin-istration" of your "employee benefit program"; and

1) Occurs during the policy period; or

2) Occurred prior to the "first effective date" of this endorsement pro-vided:

a) You did not have knowledge of a claim or "suit" on or before the "first ef-fective date" of this endorsement.

You will be deemed to have knowledge of a claim or "suit" when any insured listed under C.

Coverages, 1.

Employee Benefit Liability Coverage,

b. Who Is An In-sured, (1) of this endorsement or any "employee" authorized by you to give or receive notice of a claim or "suit":

i) Reports all, or any part, of the act, error or omission to us or any other insurer;

ii) Receives a written or ver-bal demand or claim for dam-ages because of the act, er-ror or omis-sion; and

b) There is no other applicable insur-ance.

(2) Exclusions

This insurance does not apply to:

(a) Bodily Injury, Property Damage Or Personal And Advertising Injury

"Bodily injury", "property damage" or "personal and advertising injury".

(b) Dishonest, Fraudulent, Criminal Or Malicious Act

GCP 203 09 20 Services Office, Inc., with its permission. Page 3 of 13

Damages arising out of any intentional, dishonest, fraudulent, criminal or mali-cious act, error or omission, committed by any insured, including the willful or reck-less violation of any statute.

(c) Failure To Perform A Con-tract

Damages arising out of fail-ure of performance of con-tract by any insurer.

(d) Insufficiency Of Funds

Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the "employee benefit program".

(e) Inadequacy Of Perfor-mance Of Invest-ment/Advice Given With Respect To Participation

Any claim based upon:

1) Failure of any invest-ment to perform;

2) Errors in providing in-formation on past per-formance of investment vehicles; or

3) Advice given to any person with respect to that person's decision to participate or not to par-ticipate in any plan in-cluded in the "employee benefit program".

(f) Workers' Compensation And Similar Laws

Any claim arising out of your failure to comply with the mandatory provisions of any workers' compensation, un-employment compensation insurance, social security or disability benefits law or any similar law.

(g) ERISA

Damages for which any in-sured is liable because of li-ability imposed on a fiduci-ary by the Employee Re-tirement Income Security Act of 1974, as now or hereafter amended, or by any similar federal, state or local laws.

(h) Available Benefits

Any claim for benefits to the extent that such benefits are available, with reasonable effort and cooperation of the insured, from the applicable funds accrued or other col-lectible insurance.

(i) Taxes, Fines Or Penalties

Taxes, fines or penalties, in-cluding those imposed un-der the Internal Revenue Code or any similar state or local law.

(j) Employment-Related Prac-tices

Any liability arising out of any:

1) Refusal to employ;

2) Termination of employ-ment;

3) Coercion, demotion, evaluation, reassign-ment, discipline, defa-mation, harassment, humiliation, discrimina-tion or other employ-ment-related practices, acts or omissions; or

4) Consequential liability as a result of 1), 2) or 3) above.

This exclusion applies whether the insured may be held liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the in-jury.

(3) Supplementary Payments

Section I - Supplementary Pay-ments - Coverages A and B also apply to this Coverage, however 1.b. and 2. of the Supplementary Payments provision do not apply.

b. Who Is An Insured

As respects Employee Benefit Liabil-ity Coverage, Section II - Who Is An Insured is replaced by the following:

GCP 203 09 20 Services Office, Inc., with its permission. Page 4 of 13

(1) If you are designated in the Dec-larations as:

(a) An individual, you and your spouse are insureds, but on-ly with respect to the con-duct of a business of which you are the sole owner.

(b) A partnership or joint ven-ture, you are an insured.

Your members, your part-ners, and their spouses are also insureds but only with respect to the conduct of your business.

(c) A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business.

Your managers are in-sureds, but only with respect to their duties as your man-agers.

(d) An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "execu-tive officers" and directors are insureds, but only with respect to their duties as your officers or directors.

Your stockholders are also insureds, but only with re-spect to their liability as stockholders.

(e) A trust, you are an insured.

Your trustees are also in-sureds, but only with respect to their duties as trustees.

(2) Each of the following is also an insured:

(a) Each of your "employees" who is or was authorized to administer your "employee benefit program";

(b) Any persons, organizations or "employees" having prop-er temporary authorization to administer your "employ-ee benefit program" if you die, but only until your legal representative is appointed;

or

(c) Your legal representative if you die, but only with re-spect to duties as such. That representative will have all your rights and duties under this Coverage Part.

(3) Any organization you newly ac-quire or form, other than a part-nership, joint venture or limited liability company, and over which you maintain ownership or major-ity interest, will qualify as a Named Insured if no other similar insurance applies to that organi-zation. However, coverage under this provision:

(a) Is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier; and

(b) Does not apply to any act, error or omission that was committed before you ac-quired or formed the organi-zation.

c. Limits Of Insurance

As respects Employee Benefit Liabil-ity Coverage, Section III - Limits Of Insurance is replaced by the follow-ing:

(1) The Limits of Insurance shown in Section B. Limits Of Insurance,

1. Employee Benefit Liability Coverage of this endorsement and the rules below fix the most we will pay regardless of the number of:

(a) Insureds;

(b) Claims made or "suits" brought;

(c) Persons or organizations making claims or bringing "suits";

(d) Acts, errors or omissions; or

(e) Benefits included in your "employee benefit program".

(2) The Aggregate Limit shown in Section B. Limits Of Insurance,

1. Employee Benefit Liability Coverage of this endorsement is the most we will pay for all dam-ages because of acts, errors or omissions negligently committed in the "administration" of your "employee benefit program".

(3) Subject to the limit described in

(2) above, the Each Employee

GCP 203 09 20 Services Office, Inc., with its permission. Page 5 of 13

Limit shown in Section B. Limits Of Insurance, 1. Employee Bene-fit Liability Coverage of this en-dorsement is the most we will pay for all damages sustained by any one "employee", including damages sustained by such "employee's" dependents and beneficiaries, as a result of:

(a) An act, error or omission; or

(b) A series of related acts, er-rors or omissions, regard-less of the amount of time that lapses between such acts, errors or omissions;

negligently committed in the "administration" of your "employ-ee benefit program".

However, the amount paid under this endorsement shall not ex-ceed, and will be subject to the limits and restrictions that apply to the payment of benefits in any plan included in the "employee benefit program."

(4) Deductible Amount

(a) Our obligation to pay dam-ages on behalf of the in-sured applies only to the amount of damages in ex-cess of the Deductible Amount shown in Section B.

Limits Of Insurance, 1. Em-ployee Benefit Liability Cov-erage of this endorsement as applicable to Each Em-ployee. The limits of insur-ance shall not be reduced by the amount of this de-ductible.

(b) The Deductible Amount shown in Section B. Limits Of Insurance, 1. Employee Benefit Liability Coverage of this endorsement applies to all damages sustained by any one "employee", includ-ing such "employee's" de-pendents and beneficiaries, because of all acts, errors or omissions to which this in-surance applies.

(c) The terms of this insurance, including those with respect to:

1) Our right and duty to defend the insured against any "suits" seeking those damag-es; and

2) Your duties, and the du-ties of any other in-volved insured, in the event of an act, error or omission, or claim;

apply irrespective of the ap-plication of the Deductible Amount.

(d) We may pay any part or all of the Deductible Amount to effect settlement of any claim or "suit" and, upon no-tification of the action taken, you shall promptly reim-burse us for such part of the Deductible Amount as we have paid.

d. Additional Conditions

As respects Employee Benefit Liabil-ity Coverage, Section IV - Commer-cial General Liability Conditions is amended as follows:

(1) Item 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit is replaced by the following:

2. Duties In The Event Of An Act, Error, Omission, Claim Or Suit

a. You must see to it that we are notified as soon as practicable of an act, error or omission which may result in a claim.

To the extent possible, notice should include:

(1) What the act, error or omission was and when it oc-curred; and

(2) The names and addresses of any-one who may suf-fer damages as a result of the act, error or omission.

b. If a claim is made or "suit" is brought against any insured, you must:

(1) Immediately record the specifics of the claim or "suit" and

GCP 203 09 20 Services Office, Inc., with its permission. Page 6 of 13 the date received;

and

(2) Notify us as soon as practicable.

You must see to it that we receive written no-tice of the claim or "suit" as soon as practicable.

c. You and any other in-volved insured must:

(1) Immediately send us copies of any demands, notices, summonses or le-gal papers re-ceived in connec-tion with the claim or "suit";

(2) Authorize us to ob-tain records and other information;

(3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit";

and

(4) Assist us, upon our request, in the en-forcement of any right against any person or organi-zation which may be liable to the in-sured because of an act, error or omission to which this insurance may also apply.

d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense without our consent.

(2) Item 4. Other Insurance is re-placed by the following:

4. Other Insurance

If other valid and collectible insurance is available to the insured for a loss we cover under this Employee Benefit Liability Coverage, our obli-gations are limited as fol-lows:

a. Primary Insurance

This insurance is prima-ry except when c. below applies. If this insurance is primary, our obliga-tions are not affected unless any of the other insurance is also prima-

ry. Then, we will share with all that other insur-ance by the method de-scribed in Paragraph b.

below.

b. Method Of Sharing

If all of the other insur-ance permits contribu-tion by equal shares, we will follow this meth-od also. Under this ap-proach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first.

If any of the other in-surance does not permit contribution by equal shares, we will contrib-ute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insur-ers.

c. No Coverage

This insurance shall not cover any loss for which the insured is entitled to recovery under any other insurance in force previous to the effective date of this Employee Benefit Liability Cover-age.

e. Additional Definitions

As respects Employee Benefit Liabil-ity Coverage, Section V - Definitions is amended as follows:

(1) The following definitions are added:

1. "Administration" means:

GCP 203 09 20 Services Office, Inc., with its permission. Page 7 of 13

a. Providing information to "employees", including their dependents and beneficiaries, with re-spect to eligibility for or scope of "employee benefit programs";

b. Interpreting the "em-ployee benefit pro-grams";

c. Handling records in connection with the "employee benefit pro-grams"; or

d. Effecting, continuing or terminating any "em-ployee's" participation in any benefit included in the "employee benefit program".

However, "administration" does not include:

a. Handling payroll deduc-tions; or

b. The failure to effect or maintain any insurance or adequate limits of coverage of insurance, including but not limited to unemployment insur-ance, social security benefits, workers' com-pensation and disability benefits.

2. "Cafeteria plans" means plans authorized by applica-ble law to allow "employees" to elect to pay for certain benefits with pre-tax dollars.

3. "Employee benefit pro-grams" means a program providing some or all of the following benefits to "em-ployees", whether provided through a "cafeteria plan" or otherwise:

a. Group life insurance;

group accident or health insurance; dental, vision and hearing plans; and flexible spending ac-counts; provided that no one other than an "em-ployee" may subscribe to such benefits and such benefits are made generally available to those "employees" who satisfy the plan's eligibil-ity requirements;

b. Profit sharing plans, employee savings plans, employee stock ownership plans, pen-sion plans and stock subscription plans, pro-vided that no one other than an "employee" may subscribe to such benefits and such bene-fits are made generally available to all "employ-ees" who are eligible under the plan for such benefits;

c. Unemployment insur-ance, social security benefits, workers' com-pensation and disability benefits; and

d. Vacation plans, includ-ing buy and sell pro-grams; leave of ab-sence programs, includ-ing military, maternity, family, and civil leave;

tuition assistance plans;

transportation and health club subsidies.

4. "First effective date" means the date upon which cover-age was first effected in a series of uninterrupted re-newals of insurance cover-age.

(2) The following definitions are de-leted in their entirety and re-placed by the following:

5. "Employee" means a person actively employed, formerly employed, on leave of ab-sence or disabled, or retired.

"Employee" includes a "leased worker". "Employee" does not include a "tempo-rary worker".

18. "Suit" means a civil proceed-ing in which money damag-es because of an act, error or omission to which this in-surance applies are alleged.

"Suit" includes:

a. An arbitration proceed-ing in which such dam-ages are claimed and to

GCP 203 09 20 Services Office, Inc., with its permission. Page 8 of 13 which the insured must submit or does submit with our consent;

b. Any other alternative dispute resolution pro-ceeding in which such damages are claimed and to which the in-sured submits with our consent; or

c. An appeal of a civil pro-ceeding.

2. Unintentional Failure To Disclose Haz-ards

Section IV - Commercial General Liabil-ity Conditions, 6. Representations is amended by the addition of the following:

Based on our dependence upon your rep-resentations as to existing hazards, if un-intentionally you should fail to disclose all such hazards at the inception date of your policy, we will not reject coverage under this Coverage Part based solely on such failure.

3. Supplementary Payments

Under Section I - Supplementary Pay-ments - Coverages A and B:

Paragraph 1.b. is replaced by the follow-ing:

Up to the limit shown in Section B. Limits Of Insurance, 3. Bail Bonds of this en-dorsement for cost of bail bonds required because of accidents or traffic law viola-tions arising out of the use of any vehicle to which the Bodily Injury Liability Cover-age applies. We do not have to furnish these bonds.

This amendment of the Supplementary Payments – Bail Bonds limit replaces, and is not in addition to, the amendment of the Supplementary Payments - Bail Bonds limit (I.1.b.) in the CinciPakTM Commercial General Liability Amendatory Endorse-ment.

4. Medical Payments

The Medical Expense Limit of Any One Person as shown in the Declarations is amended to the limit shown in Section B.

Limits Of Insurance, 4. Medical Payments of this endorsement.

5. 180 Day Coverage For Newly Formed Or Acquired Organizations

Section II - Who Is An Insured is amended as follows:

Subparagraph a. of Paragraph 3. is re-placed by the following:

a. Coverage under this provision is af-forded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier;

6. Waiver Of Subrogation

Section IV - Commercial General Liabil-ity Conditions, 8. Transfer Of Rights Of Recovery Against Others To Us is amended by the addition of the following:

We waive any right of recovery against any additional insured under this en-dorsement, because of any payment we make under this endorsement, to whom the insured has waived its right of recov-ery in a written contract, written agree-ment, written permit or written authoriza-tion. Such waiver by us applies only to the extent that the insured has waived its right of recovery against such additional insured prior to loss.

7. Automatic Additional Insured - Speci-fied Relationships

a. The following is added to Section II - Who Is An Insured:

(1) Any person(s) or organization(s) described in Paragraph 7.a.(2) of this endorsement (hereinafter re-ferred to as additional insured) whom you are required to add as an additional insured under this Coverage Part by reason of a written contract, written agree-ment, written permit or written authorization.

(2) Only the following persons or or-ganizations are additional in-sureds under this endorsement, and insurance coverage provided to such additional insureds is lim-ited as provided herein:

(a) Managers Or Lessors Of Premises

The manager or lessor of a premises leased to you you are required per Paragraph 7.a.(1) of this endorsement to provide insurance, but on-ly with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by you or those acting on your behalf

GCP 203 09 20 Services Office, Inc., with its permission. Page 9 of 13 in connection with the own-ership, maintenance or use of that part of the premises leased to you, subject to the following additional exclu-sions:

This insurance does not ap-ply to:

(i) Any "occurrence" which takes place after you cease to be a tenant in that premises;

(ii) Structural alterations, new construction or demolition operations performed by or on be-half of such additional insured.

(b) Lessor Of Leased Equip-ment

Any person(s) or organiza-tion(s) from whom you lease equipment you are required per Paragraph 7.a.(1) of this endorsement to provide in-surance. Such person(s) or organization(s) are insureds only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your maintenance, operation or use of equipment leased to you by such person(s) or or-ganization(s). A person's or organization's status as an additional insured under this endorsement ends when their contract or agreement with you for such leased equipment ends. However, this insurance does not ap-ply to any "occurrence" which takes place after the equipment lease expires.

(c) Vendors

Any person or organization (referred to below as ven-dor) you are required per Paragraph 7.a.(1) of this en-dorsement to provide insur-ance, but only with respect to liability for "bodily injury" or "property damage" arising out of "your products" which are distributed or sold in the regular course of the ven-dor's business, subject to the following additional ex-clusions:

(i) The insurance afforded the vendor does not apply to:

1) "Bodily injury" or "property damage" for which the ven-dor is obligated to pay damages by reason of the as-sumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement;

2) Any express war-ranty unauthorized by you;

3) Any physical or chemical change in the product made intentionally by the vendor;

4) Repackaging, ex-cept when un-packed solely for the purpose of in-spection, demon-stration, testing, or the substitution of parts under in-structions from the manufacturer, and then repackaged in the original con-tainer;

5) Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make or normal-ly undertakes to make in the usual course of busi-ness, in connection with the distribution or sale of the products;

6) Demonstration, in-stallation, servicing

GCP 203 09 20 Services Office, Inc., with its permission. Page 10 of 13 or repair opera-tions, except such operations per-formed at the ven-dor's premises in connection with the sale of the product;

7) Products which, af-ter distribution or sale by you, have been labeled or re-labeled or used as a container, part or ingredient of any other thing or sub-stance by or for the vendor; or

8) "Bodily injury" or "property damage" arising out of the sole negligence of the vendor for its own acts or omis-sions or those of its employees or anyone else acting on its behalf. How-ever, this exclusion does not apply to:

a) The excep-tions contained in Paragraphs (c)(i)4) or 6) of this endorse-ment; or

b) Such inspec-tions, adjust-ments, tests or servicing as the vendor has agreed to make or nor-mally under-takes to make in the usual course of business, in connection with the distri-bution or sale of the prod-ucts.

(ii) This insurance does not apply to any insured person or organization:

1) From whom you have acquired such products, or any ingredient, part or container, enter-ing into, accompa-nying or containing such products; or

2) When liability in-cluded within the "products-completed opera-tions hazard" has been excluded un-der this Coverage Part with respect to such products.

(d) State Or Governmental Agency Or Subdivision Or Political Subdivision - Permits Or Authorizations Relating To Premises

Any state or governmental agency or subdivision or po-litical subdivision you are required per Paragraph 7.a.(1) of this endorsement to provide insurance, subject to the following additional provision:

This insurance applies only with respect to the following hazards for which the state or governmental agency or subdivision or political sub-division has issued a permit or authorization in connec-tion with premises you own, rent or control and to which this insurance applies:

(i) The existence, mainte-nance, repair, construc-tion, erection or removal of advertising signs, awnings, canopies, cel-lar entrances, coal holes, driveways, man-holes, marquees, hoist away openings, side-walk vaults, street ban-ners or decorations and similar exposures;

(ii) The construction, erec-tion or removal of eleva-tors; or

(iii) The ownership, mainte-nance or use of any el-evators covered by this insurance.

GCP 203 09 20 Services Office, Inc., with its permission. Page 11 of 13

(e) Mortgagee, Assignee Or Receiver

Any person or organization you are required per Para-graph 7.a.(1) of this en-dorsement to provide insur-ance, but only with respect to their liability as mortga-gee, assignee or receiver and arising out of the own-ership, maintenance or use of the premises by you.

However, this insurance does not apply to structural alterations, new construction and demolition operations performed by or for that per-son or organization.

(3) The insurance afforded to addi-tional insureds described in Par-agraph 7.a.(1) of this endorse-ment:

(a) Only applies to the extent permitted by law;

(b) Will not be broader than that which you are required by the written contract, written agreement, written permit or written authorization to pro-vide for such additional in-sured; and

(c) Does not apply to any per-son, organization, vendor, state, governmental agency or subdivision or political subdivision, specifically named as an additional in-sured under any other provi-sion of, or endorsement added to, this Coverage Part, provided such other provision or endorsement covers the injury or damage for which this insurance ap-plies.

b. With respect to the insurance afford-ed to the additional insureds de-scribed in Paragraph 7.a.(1) of this endorsement, the following is added to Section III - Limits Of Insurance:

The most we will pay on behalf of the additional insured is the amount of in-surance:

(1) Required by the written contract, written agreement, written permit or written authorization described in Paragraph 7.a.(1) of this en-dorsement. For the purpose of determining the required amount of insurance only, we will include the minimum amount of any Um-brella liability or Excess Liability coverage required for that addi-tional insured in that written con-tract, written agreement, written permit or written authorization; or

(2) Available under the applicable limits of insurance;

whichever is less.

This endorsement shall not increase the applicable limits of insurance.

c. Section IV - Commercial General Liability Conditions is amended to add the following:

Automatic Additional Insured Pro-vision

This insurance applies only if the "bodily injury" or "property damage" occurs, or the "personal and advertis-ing injury" offense is committed:

(1) During the policy period; and

(2) Subsequent to your execution of the written contract or written agreement, or the issuance of a written permit or written authori-zation, described in Paragraph 7.a.(1).

d. Section IV - Commercial General Liability Conditions is amended as follows:

Condition 4. Other Insurance is amended to include:

Primary And Noncontributory In-surance

This insurance is primary to and will not seek contribution from any other insurance available to an additional insured per Paragraph 7.a.(1) of this endorsement provided that:

(1) The additional insured is a Named Insured under such other insurance; and

(2) You have agreed in writing in a contract, agreement, permit or authorization described in 7.a.(2) of this endorsement that this in-surance would be primary and would not seek contribution from any other insurance available to the additional insured.

GCP 203 09 20 Services Office, Inc., with its permission. Page 12 of 13

8. Property Damage To Borrowed Equip-ment

a. The following is added to Exclusion 2.j. Damage To Property under Sec-tion I - Coverage A - Bodily Injury And Property Damage Liability:

Paragraphs (3) and (4) of this exclu-sion do not apply to tools or equip-ment loaned to you, provided they are not being used to perform operations at the time of loss.

b. With respect to the insurance provid-ed by this section of the endorse-ment, the following additional provi-sions apply:

(1) The Limits of Insurance shown in the Declarations are replaced by the limits shown in Section B.

Limits Of Insurance, 8. Property Damage To Borrowed Equip-ment of this endorsement with respect to coverage provided by this endorsement. These limits are inclusive of and not in addi-tion to the limits being replaced.

The Limits of Insurance shown in Section B. Limits Of Insurance,

8. Property Damage To Bor-rowed Equipment of this en-dorsement fix the most we will pay in any one "occurrence" re-gardless of the number of:

(a) Insureds;

(b) Claims made or "suits" brought; or

(c) Persons or organizations making claims or bringing "suits".

(2) Deductible Clause

(a) Our obligation to pay dam-ages on your behalf applies only to the amount of dam-ages for each "occurrence" which are in excess of the Deductible Amount shown in Section B. Limits Of Insur-ance, 8. Property Damage To Borrowed Equipment of this endorsement. The limits of insurance will not be re-duced by the application of such deductible amount.

(b) Section IV - Commercial General Liability Conditions,

2. Duties In The Event Of Occurrence, Offense, Claim

Or Suit, applies to each claim or "suit" irrespective of the amount.

(c) We may pay any part or all of the deductible amount to effect settlement of any claim or "suit" and, upon no-tification of the action taken, you shall promptly reim-burse us for such part of the deductible amount as has been paid by us.

9. Employees As Insureds - Specified Health Care Services And Good Samar-itan Services

Paragraph 2.a.(1)(d) under Section II - Who Is An Insured does not apply to:

1) Your "employees" who provide pro-fessional health care services on your behalf as a duly licensed nurse, emergency medical technician or paramedic in the jurisdiction where an "occurrence" or offense to which this insurance applies takes place; or

2) Your "employees" or "volunteer work-ers", other than an employed or vol-unteer doctor, providing first aid or good samaritan services during their work hours for you will be deemed to be acting within the scope of their employment by you or performing du-ties related to the conduct of your business.

10. Broadened Notice Of Occurrence

Paragraph a. of Condition 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit under Section IV - Com-mercial General Liability Conditions is replaced by the following:

a. You must see to it that we are notified as soon as practicable of an "occur-rence" or an offense which may result in a claim. To the extent possible, no-tice should include:

(1) How, when and where the "oc-currence" or offense took place;

(2) The names and addresses of any injured persons and wit-nesses; and

(3) The nature and location of any injury or damage arising out of the "occurrence" or offense.

This requirement applies only when the "occurrence" or offense is known to any insured listed under Paragraph

GCP 203 09 20 Services Office, Inc., with its permission. Page 13 of 13

1. of Section II - Who Is An Insured or any "employee" authorized by you to give or receive notice of an "occur-rence" or offense.

11. Nonowned Aircraft

The following is added to Exclusion 2.g.

Aircraft, Auto Or Watercraft under Sec-tion I - Coverage A - Bodily Injury And Property Damage Liability:

This exclusion does not apply to an air-craft you do not own, provided that:

a. The pilot in command holds a current effective certificate, issued by a duly constituted authority of the United States of America or Canada, desig-nating that person as a commercial or airline transport pilot;

b. The aircraft is rented with a trained, paid crew; and

c. The aircraft does not transport per-sons or cargo for a charge.

12. Bodily Injury Redefined

Section V - Definitions, 3. "Bodily injury" is replaced by the following:

3. "Bodily injury" means bodily harm or injury, sickness, disease, disability, humiliation, shock, fright, mental an-guish or mental injury, including care, loss of services or death resulting from any of these at any time.

13. Expected Or Intended Injury Redefined

The last sentence of Exclusion 2.a. Ex-pected Or Intended Injury under Sec-tion I - Coverage A - Bodily Injury And Property Damage Liability is replaced by the following:

This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect per-sons or property.

14. Former Employees As Insureds

The following is added to Paragraph 2.

under Section II - Who Is An Insured:

2. Each of the following is also an in-sured:

Any of your former "employees", di-rectors, managers, members, part-ners or "executive officers", including but not limited to retired, disabled or those on leave of absence, but only for acts within the scope of their em-ployment by you or for duties related to the conduct of your business.

CG 20 01 12 19 © Insurance Services Office, Inc., 2018 Page 1 of 1

COMMERCIAL GENERAL LIABILITY

CG 20 01 12 19

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

PRIMARY AND NONCONTRIBUTORY -

OTHER INSURANCE CONDITION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

LIQUOR LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

The following is added to the Other Insurance Condi-tion and supersedes any provision to the contrary:

Primary And Noncontributory Insurance This insurance is primary to and will not seek con-tribution from any other insurance available to an additional insured under your policy provided that:

(1) The additional insured is a Named Insured under such other insurance; and

(2) You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured.

Includes copyrighted material of ISO AA 288 06 20 Properties, Inc., with its permission. Page 1 of 4

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CinciPlus®

BUSINESS AUTO XC+®

(EXPANDED COVERAGE PLUS)

ENDORSEMENT

This endorsement modifies insurance provided by the following:

BUSINESS AUTO COVERAGE FORM

With respect to the coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by this endorsement.

A. Blanket Waiver of Subrogation

SECTION IV - BUSINESS AUTO CONDI-

TIONS, A. Loss Conditions, 5. Transfer of Rights of Recovery Against Others to Us is amended by the addition of the following:

We waive any right of recovery we may have against any person or organization because of payments we make for "bodily injury" or "property damage" arising out of the operation of a covered "auto" when you have assumed liability for such "bodily injury" or "property damage" under an "insured contract", provid-ed the "bodily injury" or "property damage" oc-curs subsequent to the execution or the "in-sured contract".

B. Noncontributory Insurance

SECTION IV - BUSINESS AUTO CONDI-

TIONS, B. General Conditions, 5. Other In-surance c. is deleted in its entirety and re-placed by the following:

c. Regardless of the provisions of Par-agraph a. above, this Coverage Form's Liability Coverage is primary and we will not seek contribution from any other insurance for any lia-bility assumed under an "insured contract" that requires liability to be assumed on a primary noncontributo-ry basis.

C. Additional Insured by Contract

SECTION II - LIABILITY COVERAGE, A.

Coverage, 1. Who is an Insured is amended to include as an insured any person or organi-zation for whom you have agreed in a valid written contract to provide insurance as af-forded by this policy.

This provision is limited to the scope of the valid written contract.

This provision does not apply unless the valid written contract has been:

1. Executed prior to the accident causing "bodily injury" or "property damage"; and

2. Is still in force at the time of the "accident" causing "bodily injury" or "property dam-age".

D. Employee Hired Auto

1. Changes in Liability Coverage

The following is added to the SECTION II

- LIABILITY COVERAGE, A. Coverage,

1. Who is an Insured:

An "employee" of yours is an "insured" while operating an "auto" hired or rented under a contract or agreement in that "employee's" name, with your permission, while performing duties related to the conduct of your business.

2. Changes in General Conditions

SECTION IV - BUSINESS AUTO CON-

DITIONS, B. General Conditions, 5.

Other Insurance is deleted in its entirety and replaced by the following:

b. For Hired Auto Physical Damage Coverage the following are deemed to be covered "autos" you own:

(1) Any covered "auto" you lease, hire, rent or borrow; and

(2) Any covered "auto" hired or rented by your "employee" under a contract in that individual "em-ployee's" name, with your per-mission, while performing duties related to the conduct of your business.

AA 288 06 20 Properties, Inc., with its permission. Page 2 of 4

However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto".

E. Audio, Visual and Data Electronic Equip-ment

SECTION III - PHYSICAL DAMAGE COV-

ERAGE, C. Limit of Insurance is amended by adding the following:

4. The most we will pay for all "loss" to au-dio, visual or data electronic equipment and any accessories used with this equipment as a result of any one "acci-dent" is the lesser of:

a. The actual cash value of the dam-aged or stolen property as of the time of the "accident";

b. The cost of repairing or replacing the damaged or stolen property with oth-er property of like kind and quality; or

c. $2,500.

Provided the equipment, at the time of the "loss" is:

a. Permanently installed in or upon the covered "auto" in a housing, opening or other location that is not normally used by the "auto" manufacturer for the installation of such equipment;

b. Removable from a permanently in-stalled housing unit as described in Paragraph 2.a. above; or

c. An integral part of such equipment.

F. Who is an Insured - Amended

SECTION II - LIABILITY COVERAGE, A.

Coverage, 1. Who is an Insured is amended by adding the following:

The following are "insureds":

1. Any subsidiary which is a legally incorpo-rated entity of which you own a financial interest of more than 50% of the voting stock on the effective date of this cover-age form.

However, the insurance afforded by this provision does not apply to any subsidiary that is an "insured" under any other au-tomobile liability policy or would be an "in-sured" under such policy but for termina-tion of such policy or the exhaustion of such policy's limits of insurance.

2. Any organization that is newly acquired or formed by you and over which you main-tain majority ownership. The insurance provided by this provision:

a. Is effective on the date of acquisition or formation, and is afforded for 180 days after such date;

b. Does not apply to "bodily injury" or "property damage" resulting from an "accident" that occurred before you acquired or formed the organization;

c. Does not apply to any newly acquired or formed organization that is a joint venture or partnership; and

d. Does not apply to an insured under any other automobile liability policy or would be an insured under such a policy but for the termination of such policy or the exhaustion of such poli-cy's limits of insurance.

3. Any of your "employees" while using a covered "auto" in your business or your personal affairs, provided you do not own, hire or borrow that "auto".

G. Liability Coverage Extensions - Supple-mentary Payments - Higher Limits

SECTION II - LIABILITY COVERAGE, A.

Coverage, 2. Coverage Extensions, a. Sup-plementary Payments is amended by:

1. Replacing the $2,000 Limit of Insurance for bail bonds with $4,000 in (2); and

2. Replacing the $250 Limit of Insurance for reasonable expenses with $500 in (4).

H. Amended Fellow Employee Exclusion

SECTION II - LIABILITY COVERAGE, B. Ex-clusions, 5. Fellow Employee is modified as follows:

Exclusion 5. Fellow Employee is deleted.

I. Hired Auto - Physical Damage

If hired "autos" are covered "autos" for Liability Coverage, then Comprehensive and Collision Physical Damage Coverages as provided un-der SECTION III - PHYSICAL DAMAGE COVERAGE of this Coverage Part are ex-tended to "autos" you hire, subject to the fol-lowing:

1. The most we will pay for "loss" to any hired "auto" is $50,000 or the actual cash value or cost to repair or replace, which-ever is the least, minus a deductible.

2. The deductible will be equal to the largest deductible applicable to any owned "auto" for that coverage, or $1,000, whichever is less.

3. Hired Auto - Physical Damage coverage is excess over any other collectible insur-ance.

AA 288 06 20 Properties, Inc., with its permission. Page 3 of 4

4. Subject to the above limit, deductible, and excess provisions we will provide cover-age equal to the broadest coverage appli-cable to any covered "auto" you own in-sured under this policy.

Coverage includes loss of use of that hired au-to, provided it results from an "accident" for which you are legally liable and as a result of which a monetary loss is sustained by the leasing or rental concern. The most we will pay for any one "accident" is $3,000.

If a limit for Hired Auto - Physical Damage is shown in the Schedule, then that limit replac-es, and is not added to, the $50,000 limit indi-cated above and the deductibles shown in the Schedule are applicable.

J. Rental Reimbursement

SECTION III - PHYSICAL DAMAGE COV-

ERAGE is amended by adding the following:

1. We will pay for rental reimbursement ex-penses incurred by you for the rental of an "auto" because of a "loss" to a covered "auto". Payment applies in addition to the otherwise applicable amount of each cov-erage you have on a covered "auto". No deductible applies to this coverage.

2. We will pay only for those expenses in-curred during the policy period beginning 24 hours after the "loss" and ending, re-gardless of the policy's expiration, with the lesser of the following number of days:

a. The number of days reasonably re-quired to repair the covered "auto". If "loss" is caused by theft, this number of days is added to the number of days it takes to locate the covered "auto" and return it to you; or

b. 30 days.

3. Our payment is limited to the lesser of the following amounts:

a. Necessary and actual expenses in-curred; or

b. $50 per day.

4. This coverage does not apply while there are spare or reserve "autos" available to you for your operations.

5. We will pay under this coverage only that amount of your rental reimbursement ex-penses which is not already provided for under SECTION III - PHYSICAL DAM- AGE COVERAGE, A. Coverage, 4.

Coverage Extensions.

K. Transportation Expense - Higher Limits

SECTION III - PHYSICAL DAMAGE COV-

ERAGE, A. Coverage, 4. Coverage Exten-sions is amended by replacing $20 per day with $50 per day, and $600 maximum with $1,500 maximum in Extension a. Transpor-tation Expenses.

L. Airbag Coverage

SECTION III - PHYSICAL DAMAGE COV-

ERAGE, B. Exclusions, 3.a. is amended by adding the following:

However, the mechanical and electrical breakdown portion of this exclusion does not apply to the accidental discharge of an airbag.

This coverage for airbags is excess over any other collectible insurance or warranty.

M. Loan or Lease Gap Coverage

1. SECTION III - PHYSICAL DAMAGE

COVERAGE, C. Limit of Insurance is deleted in its entirety and replaced by the following, but only for private passenger type "autos" with an original loan or lease, and only in the event of a "total loss" to such a private passenger type "auto":

a. The most we will pay for "loss" in any one "accident" is the greater of:

(1) The amount due under the terms of the lease or loan to which your covered private passenger type "auto" is subject, but will not include:

(a) Overdue lease or loan pay-ments;

(b) Financial penalties imposed under the lease due to high mileage, excessive use or abnormal wear and tear;

(c) Security deposits not re-funded by the lessor;

(d) Costs for extended warran-ties, Credit Life Insurance, Health, Accident or Disabil-ity Insurance purchased with the loan or lease; and

(e) Carry-over balances from previous loans or leases, or

(2) Actual cash value of the stolen or damaged property.

b. An adjustment for depreciation and physical condition will be made in de-termining actual cash value at the time…