2022-03-02_Matrix_New_World_CTR055977_GAUWP.pdf

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-MAIL

ADDRESS:

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 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.

$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 below If yes, describe under

ANY PROPRIETOR/PARTNER/EXECUTIVE

E.L. DISEASE - POLICY LIMIT

E.L. DISEASE - EA EMPLOYEE

E.L. EACH ACCIDENT

ER

OTH-

STATUTE

PER

LIMITS(MM/DD/YYYY)

POLICY EXP

(MM/DD/YYYY)

POLICY EFF

POLICY NUMBERTYPE OF INSURANCELTR

INSR

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

HIRED

AUTOS ONLY

7/2/2021

United Assurance, Inc.

16-00 Pollitt Dr.

Fair Lawn NJ 07410

Jennifer Fugate 201-797-6600 201-797-4455 j.fugate@unitedassurance.com

Nautilus Insurance Company 17370 11183 Great Divide Insurance Co. 25224

Matrix New World Engineering, Land Surveying and Landscape Architecture, P.C.

26 Columbia Tpke Florham Park NJ 07932

ALLMERICA FIN BENEFIT INS CO 41840

Hartford Fire Insurance Co. 19682 Hanover Insurance Co. 22292

214320828

A X 2,000,000 X 100,000

X Pollution - 5,000 X Contractual Liab 2,000,000

2,000,000 X

Y Y ECP2017341-15 3/2/2021 3/2/2022

2,000,000

Pollution Limit: Each Claim $2M C 1,000,000

X

X X

Y Y AWY7938199 3/2/2021 3/2/2022

A X 10,000,000 X

Y FFX2017342-15 3/2/2021Y 3/2/2022

10,000,000

B A

X

N

Y WCA201734316

WCA201734416 – AZ

3/2/2021 3/2/2021

3/2/2022 3/2/2022

1,000,000

1,000,000

1,000,000 A D E

Professional Liability

EPLI & DO

Valuable Papers

ECP2017341-15

PP00H00300

RHY5026707

3/2/2021 3/1/2021 3/2/2021

3/2/2022 3/1/2022 3/2/2022

A: Each Claim/Agg.

D: Limit:

E: Blanket Limit:

2,000,000 5,000,000 1,000,000

As per contract with wholly Matrix New World Engineering, Land Surveying and Landscape Architecture, PC - ADEQ CTR055977.

The State of Arizona, and its departments, agencies, boards, commissions, universities, officers, officials, agents, and employees are listed as Additional Insured with regards to the General Liability and Automobile Liability, Waiver of Subrogation applies in favor of the additional insured, when agreed to by written contract or agreement.

Arizona Department of Environmental Quality 1110 W. Washington Street Phoenix AZ 85007

Matrix New World Engineering, Land Surveying and Landscape Architecture, P.CUnited Assurance Inc

25 Certificate of Liability Insurance: Notes

Cyber Liability - HDI SPECIALTY INSURANCE CO.

Policy : SCYRD25118550000 Effective Date: 3/2/2021 to 3/2/2022 Limit: $5,000,000

NY Disability - GUARDIAN LIFE INS CO OF AMER Policy: 00932784-0000 Effective Date: 3/15/2021 to 3/15/2022 Statutory Limit

ACORD 101 (2008/01)

The ACORD name and logo are registered marks of ACORD

© 2008 ACORD CORPORATION. All rights reserved.

THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM,

FORM NUMBER: FORM TITLE:

ADDITIONAL REMARKS

ADDITIONAL REMARKS SCHEDULE Page of

AGENCY CUSTOMER ID:

LOC #:

AGENCY

CARRIER NAIC CODE

POLICY NUMBER

NAMED INSURED

EFFECTIVE DATE:

ECP 1004 08 16 Page 1 of 1

ENDORSEMENT

This endorsement forms a part of the policy to which it is attached. Please read it carefully.

ADDITIONAL INSURED – BLANKET

This endorsement modifies insurance provided under the following:

ENVIRONMENTAL COMBINED POLICY

In consideration of the premium charged and notwithstanding anything contained in this policy to the contrary, it is hereby agreed and understood that this endorsement shall apply only to the Coverage Part(s) corresponding with the box or boxes marked below.

COVERAGES PARTS A AND B – GENERAL LIABILITY

COVERAGE D – CONTRACTORS POLLUTION LIABILITY

SECTION III – WHO IS AN INSURED is amended to include as an insured, with respect to Coverage A, B and D, any person(s) or organization(s) when you and such person(s) or organization(s) have agreed in a written contract or written agreement that such person(s) or organization(s) be added as an additional insured on your policy. Such written contract or written agreement must be in effect prior to the performance of your work which is the subject of such written contract or written agreement.

Such additional insured status applies only:

1. Under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY and COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY for claims or suits resulting from:

a. Your work performed for such person(s) or organization(s) in the performance of your ongoing operations for the additional insured; or

b. Your work performed for such person(s) or organizations(s) and included in the products-completed operations hazard.

2. Under COVERAGE D CONTRACTORS POLLUTION LIABILITY for claims or suits arising out of pollution conditions that are the result of:

a. Your work performed for such person(s) or organization(s) in the performance of your ongoing operations for the additional insured; or

b. Your work performed for such person(s) or organizations(s) and included in the products-completed operations hazard.

With respect to damages caused by your work, as described above, the coverage provided hereunder shall be primary and not contributing with any other insurance available to those person(s) or organization(s) with which you have so agreed in a written contract or written agreement.

ALL OTHER TERMS AND CONDITIONS OF THE POLICY SHALL APPLY AND REMAIN UNCHANGED.

Policy Number: ECP2017341-15

ENDORSEMENT

This endorsement forms a part of the policy to which it is attached. Please read it carefully.

WAIVER OF SUBROGATION – SCHEDULED ENTITIES

It is agreed that the Company, in the event of any payment under this policy, waives its right of recovery against the person(s) or organization(s) shown in the schedule below, but only at the specific written request of the Named Insured either before or after loss, wherein such waiver of subrogation has been included before loss as part of a written contractual undertaking by the Named Insured.

This waiver of subrogation shall apply only with respect to losses occurring due to operations undertaken as per the specific contract existing between the Named Insured and such person(s) or organization(s) shown in the schedule below and shall not be construed to be a waiver of subrogation with respect to other operations of such person(s) or organization(s) shown in the schedule below in which the Named Insured has no contractual interest.

No waiver of subrogation shall directly or indirectly apply to any employee, employees or agents of either the Named Insured or of the person(s) or organization(s) shown in the schedule below, and the Company reserves its right or lien to be reimbursed from any recovery funds obtained by any injured employee.

This waiver of subrogation does not apply in any jurisdiction or situation where such waiver is held to be illegal or against public policy or in any situation wherein the person(s) or organization(s) shown in the schedule below against whom subrogation is to be waived is found to be solely negligent.

SCHEDULE

Name of Person(s) or Organization(s):

Blanket Where Required by Written Contract

ALL OTHER TERMS AND CONDITIONS OF THE POLICY SHALL APPLY AND REMAIN UNCHANGED.

ENV 2013 06 18 Page 1 of 1

Policy Number: ECP2017341-15

� � � � � � � � � " #$ % & & % ' $ % ( ) * + , * - - & . / 0 . & . 1 2 , % 3 * ( / 4 * $ % ( )- , 5 * 6 7 & *8 9 : ; % < / = = > ? > @ A 9 B . A C D E ; = F ; E C @ A G C H % E % E I 9 A > J 9 ? > @ A G C H KL � � � M � � N � � � O � P � � � � Q � N � � � � � � R � � � � � � � � � S " � � � � � � �� � � � " � � � T U V � - ; W ? > @ A . . . X , @ A = > ? > @ A C � � � � � � � � � � � � � � � � � � � � Q � � � � � � � � � � � " #T U % ? Y ; E . A C D E 9 A W ;9 U � � � � � � � � � � � � � � Z � � � � � ! � � [ � � � � � � � � � � � � � � � � Q � � � � � � � � � � � � � � [ � Z � � � � [� � � � � � " � � � � � � � � � � � � � � Q � � � � � \ � � � ! � � #G ] H � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � Z � � � � � ! � � � � � R � ! � � � " � ^ � � � �G _ H � � � R � ! � � � " � ^ � � � � � � � � � � � � � M � � � � � � Q � � � � � � � � � � � � � � � � � � � � � � �� ! � � � � Q � � � � � � � � � � � � � � � � � � � � � � [ � � � ! � � � � � � � #G 9 H � � � � � � � � � � � � � � � � � � � � � ` � � � � a � � � � � � � � � � � � � � � � � � � bG c H � � d � � � � � b � � �G W H e � � � � � � � � � � � � � � � � � � � � � M � � � � � � Q � � � � � � � �� � � � � � � � � � � � � � � � ! � � � � Q � � � � � � � � � � � � � � � � � � � � � � �N � � � � � � � � � � � � � Z � � � � [ � � � � � � � � � � � � � � � � � � � � � [ � � � � � � � � � � � � M � � � � � � � [ Q � � � � � � � Q � � � � � � � � � � � � �� � � � � � f � � � " � � � � � � � � � �c U N � � � � � � � � � � � � � Z � � � � � ! � � � � � D B ? > : 9 ? ; A ; ? B @ C C � � �� Z � � � � � #G ] H � � � Q � � � � � � � � � � R � ! � � � " � ^ � � � b � � �G _ H � � � � � � � � � � � � � � � � � � Q � � � � � � � � � g � � � � � � � � � � � � � � � � � � � �

/ & & % 1 5 * ( 1 * ( ) - / 8 6 , % 8 6 . 1 . % 8 - % $ 1 5 * F % & . , 2 - 5 / & & / F F & 2 / 8 6 ( * ) / . 8 7 8 , 5 / 8 4 * 6 U

POLICY NUMBER: FFX2017342-15

FOLLOW FORM EXCESS LIABILITY

SCHEDULE OF UNDERLYING INSURANCE

Policy Number: FFX2017342-15

UNDERLYING

POLICY TYPE LIMITS OF INSURANCE POLICY

PERIOD

CARRIER &

POLICY NUMBER

Commercial Automobile $ 1,000,000 Liability - Combined Single Limit

03/02/2021 to

03/02/2022

Hanover Insurance Group

AWY-7938199

Employer’s Liability – Coverage B

$ 1,000,000 BI by Disease - Each Employee Limit

$ 1,000,000 BI by Disease - Policy Aggregate Limit

$ 1,000,000 BI by Accident - Each Accident Limit

03/02/2021 to

03/02/2022

Great Divide Insurance Company

WCA201734316

Employer’s Liability – Coverage B

$ 1,000,000 BI by Accident - Each Accident Limit

$ 1,000,000 BI by Disease - Policy Aggregate Limit

$ 1,000,000 BI by Disease - Each Employee Limit

03/02/2021 to

03/02/2022

Great Divide Insurance Company

WCA201734416

General Liability $ 2,000,000 Each Occurrence Limit

$ 2,000,000 Personal & Advertising Injury Limit

$ 1,000,000 Employee Benefit Liability – Aggregate Limit

$ 2,000,000 Products/Completed Operations Aggregate Limit

$ 1,000,000 Employee Benefit Liability – Each Employee Limit

$ 2,000,000 General Aggregate Limit (Other than Products/Completed Operations)

03/02/2021 to

03/02/2022

Nautilus Insurance Company

ECP20173415

Pollution/Professional $ 2,000,000 Contractors Pollution Liability Limit

$ 2,000,000 Professional Liability Limit

03/02/2021 to

03/02/2022

Nautilus Insurance Company

ECP201734115

The coverages above are provided in the underlying policies as listed.

Page 1 of 1FFX 8002 07 18

POLICY NUMBER: FFX2017342-15 RENEWAL OF: FFX2017342-14

INSURED’S NAME AND ADDRESS: PRODUCER’S NAME AND ADDRESS:

Matrix New World Engineering, Land Surveying and Landscape Architecture, PC 26 Columbia Tpke Florham Park, NJ 07932

United Assurance Inc.

16-00 Pollitt Dr Fair Lawn, NJ 07410

POLICY PERIOD: March 02, 2021 to March 02, 2022 at 12:01 a.m. Standard Time at your mailing address shown above.

IN RETURN FOR THE PAYMENT OF PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU

TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY.

FORM OF BUSINESS:

Corporation

NOTICE TO THE INSURED:

This Insurance is Issued Pursuant to the New Jersey Surplus Lines Law.

Notice to Policyholder:

This policy is written by a surplus lines insurer, and is not subject to the rate or form filing or approval requirements of the New Jersey Department of Banking and Insurance. Such a policy may contain conditions, limitations, exclusions and different terms than a policy issued by an insurer granted a Certificate of Authority by the New Jersey Department of Banking and Insurance. The insurer has been approved by the Department as an eligible surplus lines insurer, but the policy is not covered by the New Jersey Guarantee Association, and only a policy of medical malpractice liability insurance as defined in N.J.S.A. 17:3OD-3d or a policy of property insurance covering owner-occupied dwellings of less than four dwelling units are covered by the New Jersey Surplus Lines Guaranty Fund.

LIMITS OF INSURANCE:

EACH OCCURRENCE $ 10,000,000

POLICY AGGREGATE $ 10,000,000

NAME AND ADDRESS OF ADMINISTRATIVE OFFICE:

Berkley Environmental (A Berkley Company) Two Ravinia Drive, Suite 1100, Atlanta, GA 30346 Phone No.: (404) 443-2040, See CLAIMS NOTICE for claims contact information.

THIS COMMON POLICY DECLARATION AND THE SUPPLEMENTAL DECLARATION(S) TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE PART COVERAGE FORM(S) AND FORMS AND ENDORSEMENTS, IF ANY, ISSUED TO

FORM A PART THEREOF, COMPLETE THE ABOVE NUMBERED POLICY.

Issue Date: 03/16/2021

SCHEDULE OF UNDERLYING INSURANCE:

SEE SCHEDULE OF UNDERLYING INSURANCE

FORMS AND ENDORSEMENTS (Other than applicable forms and endorsements shown elsewhere in the policy):

Forms and Endorsements applying to this policy and made part of this policy at time of issue:

SEE SCHEDULE OF FORMS AND ENDORSEMENTS

PREMIUM

FOLLOW FORM EXCESS LIABILITY COVERAGE:

TERRORISM RISK INSURANCE ACT:

POLICY PREMIUM:

Page 1 of 1FFX DEC 07 18

NAUTILUS INSURANCE COMPANY

Scottsdale, Arizona

FOLLOW FORM EXCESS LIABILITY POLICY DECLARATIONS

SCHEDULE OF FORMS AND ENDORSEMENTS

Policy Number: FFX2017342-15 Named Insured: Matrix New World Engineering, Land Surveying and Landscape Architecture, PC

FORMS ATTACHED TO AND MADE A PART OF THIS POLICY:

FORM NUMBER FORM TITLE

E001J 07 20 Nautilus Policy Jacket ENV DIR CLAIMS 01 20 Policyholder Notice - Claim Reporting Information FFX DEC 07 18 Excess Liability Policy Declarations ENV FORMS 09 10 Schedule of Forms and Endorsements FFX 8000 03 20 Excess Liability Insurance Policy S020 (04-05) Service of Suit ENV 2012 01 12 Earned Premium and Flat Rate FFX 8002 07 18 Schedule of Underlying Insurance FFX 8011 08 18 Noncontributory - Other Insurance Condition FFX 8024 07 18 Exclusion - Designated Projects FFX 8029 07 18 Microbial Substance Exclusion FFX 8059 02 21 Earned Premium and Composite Rate - Not Subject to Premium Audit ENV 2225 10 18 Exclusion of Certified Acts of Terrorism IL 12 02 01 16 Office of Foreign Asset Control (OFAC) Exclusion Endorsement

Page 1 of 1ENV FORMS 09 10

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY

WC 00 03 13 04 84

WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT_WC 00 03 13_04/84

WC 00 03 13 04 84 © 1983 National Council on Compensation Insurance Page 1 of 1

WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS

ENDORSEMENT

We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.)

This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule.

Schedule

Blanket Where Required by Written Contract Agreement

Policy Number: WCA2017343-16

WC 00 00 01 A © Copyright 1987 National Council on Compensation Insurance, Inc. All Rights Reserved Page 1 of 2

WORKERS COMPENSATION AND EMPLOYERS

LIABILITY INSURANCE POLICY

RENEWAL

INFORMATION PAGE NCCI Carrier Code Number: 34681

Policy Number: WCA2017343-16 Issuing Company:

Great Divide Insurance Company A Berkley Insurance Company 7233 E. Butherus Dr Scottsdale, AZ 85260

Previous Policy: WCA2017343-15

1. Name Insured and Address Agency Name and Address 29313 Matrix New World Engineering, Land Surveying and Landscape Architecture, PC 26 Columbia Tpke Florham Park, NJ 07932

201-254-1802 United Assurance Inc.

16-00 Pollitt Dr Fair Lawn, NJ 07410

Other workplaces not shown above:

Refer to Name and Location Schedule

FEIN: 223057511 UIAN: Risk ID Number: 913426118 Bureau File Number: 046909

State: NJ Entity of Insured: Corp./LLC

POLICY PERIOD

2. The Policy Period is from 03/02/2021 to 03/02/2022 12:01 AM Standard Time at the insured's mailing address.

COVERAGE

3. A. Workers Compensation Insurance: Part One of the policy applies to the Workers Compensation Law of the states listed here: NJ AK AL CA FL LA MA MD MS NH NM NY TX

B. Employers Liability Insurance: Part Two of the policy applies to work in each state listed in item 3.A. The limits of our liability under Part Two are:

Bodily Injury by Accident $ 1,000,000 each accident Bodily Injury by Disease $ 1,000,000 policy limit Bodily Injury by Disease $ 1,000,000 each employee

C. Other States Insurance: Part Three of the policy applies to the states, if any, listed here:

All states except AZ, ND, OH, WA, WY and states designated in item 3.A. of the information page.

D. This policy includes these endorsements and schedules: See "Schedule of Forms and Endorsements"

Page 2 of 2 © Copyright 1987 National Council on Compensation Insurance, Inc. All Rights Reserved WC 00 00 01 A

PREMIUM

4. This policy is: Direct Bill Pay Plan Agent Billed

The premium for this policy will be determined by our Manuals of Rules, Classifications, Rates and Rating Plans.

All information required below is subject to verification and change by audit.

461-0478 12 12 Includes copyrighted material of ISO Insurance Services Office, Inc., with its permission

A. The following is added to SECTION II – LIABILITY COVERAGE, Paragraph A.1. Who Is An Insured:

Additional Insured if Required by Contract If you agree in a written contract, written agreement or written permit that a person or organization be added as an additional “insured” under this Coverage Part, such person or organization is an “insured”; but only to the extent that such person or organization qualifies as an “insured” under paragraph A.1.c. of this Section.

If you agree in a written contract, written agreement or written permit that a person or organization be added as an additional “insured” under this Coverage Part, the most we will pay on behalf of such additional “insured” is the lesser of:

(1) The Limits of Insurance for liability coverage specified in the written contract, written agreement or written permit; or

(2) The Limits of Insurance for Liability Coverage shown in the Declarations applicable to this Coverage Part.

Such amount shall be part of and not in addition to the Limits of Insurance shown in the Declarations applicable to this Coverage Part. Regardless of the number of covered "autos", "insureds", premiums paid, claims made or vehicles involved in the "accident", the most we will pay for the total of all damages and "covered pollution cost or expense" combined resulting from any one "accident" is the Limit of Insurance for Liability Coverage shown in the Declarations.

B. The following is added to SECTION IV – BUSINESS AUTO CONDITIONS, Paragraph B.

General Conditions, subparagraph 5. Other Insurance:

Primary and Non-Contributory

If you agree in a written contract, written agreement or written permit that the insurance provided to a person or organization who qualifies as an additional “insured” under SECTION II – LIABILITY COVERAGE, Paragraph A.1. Who Is An Insured, subparagraph Additional Insured if Required by Contract is primary and non-contributory, the following applies:

The liability coverage provided by this Coverage Part is primary to any other insurance available to the additional “insured” as a Named Insured. We will not seek contribution from any other insurance available to the additional “insured” except:

(1) For the sole negligence of the additional

“insured”; or

(2) For negligence arising out of the ownership, maintenance or use of any “auto” not owned by the additional “insured” or by you, unless that “auto” is a “trailer” connected to an “auto” owned by the additional “insured” or by you; or

(3) When the additional “insured” is also an additional “insured” under another liability policy.

C. This endorsement will apply only if the “accident” occurs:

1. During the policy period;

2. Subsequent to the execution of the written contract or written agreement or the issuance of the written permit; and

3. Prior to the expiration of the period of time that the written contract, written agreement or written permit requires such insurance to be provided to the additional “insured”.

D. Coverage provided to an additional “insured” will not be broader than coverage provided to any other “insured” under this Coverage Part.

ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED.

Policy Number AWY-7938199

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BLANKET ADDITIONAL INSURED – PRIMARY AND NON-CONTRIBUTORY

This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM

Includes copyrighted material of Insurance Services Office, Inc. with its permission.

Copyright, Insurance Services Office, Inc., 1996

461-0155 (9-97)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BUSINESS AUTO COVERAGE

BROADENING ENDORSEMENT

This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM

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

1. CANCELLATION EXTENSION

Paragraph A. CANCELLATION 2. b. of the COMMON POLICY CONDITIONS is replaced with the following:

b. 60 days before the effective date of cancellation if we cancel for any other reason.

SECTION I - COVERED AUTOS

2. EMPLOYEE HIRED "AUTOS"

Description Of Covered Auto Designation Symbols; Symbol 8 is replaced by the following:

8 = Hired "Autos" Only - Only those "autos" you lease, hire, rent or borrow; including "autos" your employee hires at your direction, for the purpose of conducting your business. This does not include any "auto" you lease, hire, rent, or borrow from any of your "employees" or partners or members of their households.

SECTION II - LIABILITY COVERAGE

3. BROADENED NAMED INSURED

The following is added to the SECTION II - LIABILITY COVERAGE, Paragraph 1. Who Is An Insured provision:

d. Any business entity for which you have a financial interest greater than 50% of the voting stock or otherwise have a controlling interest after the effective date of this policy or that is newly acquired or formed by you during the term of this policy.

The coverage provided by this provision is afforded until expiration or termination of this policy, whichever occurs earlier.

The coverage provided by this provision does not apply to any business entity described in d.

above that qualifies as an insured under any other automobile liability policy issued to that business entity as a named insured or would have been an insured except for the exhaustion of the policy limits or the insolvency of the insurer.

The coverage provided by this provision does not apply to "bodily injury" nor "property damage" arising from an accident that occurred prior to your acquiring or forming the business entity described in d.

above.

Policy Number AWY-7938199

461-0155 (9-97)

4. EMPLOYEES AS INSUREDS

The following is added to the SECTION II - LIABILITY COVERAGE, Paragraph 1. Who Is An Insured provision:

e. Any employee of yours is an "insured" while using a covered "auto" you do not own, hire or borrow in your business or your personal affairs.

5. SUPPLEMENTARY PAYMENTS

The following amends SECTION II - LIABILITY COVERAGE, Paragraph 2.

Coverage Extensions provision:

Paragraph (2) is replaced by the following:

(2) Up to $2500 for cost of bail bonds

(including bonds for related traffic law violations) required because of an "accident" we cover. We do not have to furnish these bonds.

Paragraph (4) is replaced by the following:

(4) All reasonable expenses incurred by the "insured" at our request, including actual loss of earnings up to $500 a day because of time off from work.

6. AMENDED FELLOW EMPLOYEE

EXCLUSION

The following is added to the SECTION II - LIABILITY COVERAGE, B. Exclusions Paragraph 5. Fellow Employee exclusion:

This exclusion does not apply if the "bodily injury" arises from the use of a covered "auto" you own or hire. This coverage is excess over any other collectible insurance

SECTION III - PHYSICAL DAMAGE

COVERAGE.

7. EXPENSE OF RETURNING A STOLEN

"AUTO" and SIGN COVERAGE

The following is added to SECTION III -

PHYSICAL DAMAGE COVERAGE, A.1.

COVERAGE:

d. Expense Of Returning A Stolen "Auto"

We will pay for the expense of returning a covered "auto" to you.

e. Sign Coverage

We will pay for loss to signs, murals, paintings or graphics, as part of equipment, which are displayed on a covered "auto".

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

1. The actual cash value of the property as of the time of the "loss"; or

2. The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality; or

3. $2,000.

8. GLASS BREAKAGE DEDUCTIBLE

The following is added to SECTION III-

PHYSICAL DAMAGE COVERAGE A.

COVERAGE paragraph 3. Glass Breakage - Hitting a Bird or Animal - Falling Objects or Missiles:

Any deductible shown in the Declarations as applicable to the

461-0155 (9-97) covered "auto" will not apply to glass breakage if such glass is repaired, rather than replaced.

9. TRANSPORTATION EXPENSE

Paragraph 4. Coverage Extension. of

SECTION III - PHYSICAL DAMAGE

COVERAGE, A. COVERAGE is replaced with the following:

4. Coverage Extension

We will pay up to $50 per day to a maximum of $1500 for temporary transportation expense incurred by you because of the total theft of a covered "auto" of the private passenger type. We will pay only for those covered "autos" for which you carry either Comprehensive or Specified Causes of Loss Coverage. We will pay for temporary transportation expenses incurred during the period beginning 24 hours after the theft and ending, regardless of the policy’s expiration, when the covered "auto" is returned to use or we pay for its "loss".

10. HIRED AUTO PHYSICAL DAMAGE

The following is added to SECTION III -

PHYSICAL DAMAGE COVERAGE, A.

COVERAGE:

5. Hired Auto Physical Damage

If hired "autos" are covered "autos" for Liability Coverage and if Physical Damage Coverage of Comprehensive, Specified Causes of Loss, or Collision is provided under this Coverage Form for any "auto" you own, then the Physical Damage Coverage(s) provided is extended to "autos" you hire without a driver or your employee hires, without a driver, at your direction, for the purpose of conducting your business, for a period of 30 days or less, of like kind and use as the "autos" you own, subject to the following:

The most we will pay for any one loss is the lesser of the following:

a. $50,000 per accident, or

b. cash value, or

c. the cost of repair, minus the deductible equal to the lowest deductible applicable to any owned "auto" for that coverage.

Any deductible shown in the Declarations does not apply to "loss" caused by fire or lightning.

Subject to the limit and deductible stated above, we will provide coverage equal to the broadest coverage provided to any covered "auto" you own, that is applicable to the loss.

If the loss arises from an accident for which you are legally liable and the lessor incurs an actual financial loss from that accident, we will cover the lessor’s actual financial loss of use of the hired "auto" for a period of up to seven consecutive days from the date of the accident, subject to a limit of $1,000 per accident.

11. AUDIO, VISUAL AND DATA

ELECTRONIC EQUIPMENT

COVERAGE

The following is added to SECTION III -

PHYSICAL DAMAGE COVERAGE, A.

COVERAGE:

6. Audio, Visual and Data Electronic Equipment Coverage

We will pay for "loss" to any electronic equipment that receives

461-0155 (9-97) or transmits audio, visual or data signals and that is not designed solely for the reproduction of sound.

This coverage applies only if the equipment is permanently installed in the covered "auto" at the time of the "loss" or the equipment is removable from a housing unit which is permanently installed in the covered “auto’ at the time of the "loss", and such equipment is designed to be solely operated by use of the power from the "auto’s" electrical system, in or upon the covered "auto", including its antennas and other accessories.

However , this does not include tapes, records or discs.

The exclusions that apply to

PHYSICAL DAMAGE COVERAGE,

except for the exclusion relating to Audio, Visual and Data Electronic Equipment, also apply to coverage provided herein. In addition, the following exclusions apply:

We will not pay , under this coverage, for either any electronic equipment or accessories used with such electronic equipment that is:

1. Necessary for the normal operation of the covered "auto" or the monitoring of the covered "auto’s" operating system; or

2. Both:

a. An integral part of the same unit housing any sound reproducing equipment designed solely for the reproduction of sound if the sound reproducing equipment is permanently installed in the covered "auto", and

b. Permanently installed in the opening of the dash or console normally used by the manufacturer for the installation of a radio.

With respect to coverage herein, the LIMIT OF INSURANCE provision of

PHYSICAL DAMAGE COVERAGE

is replaced by the following:

1. The most we will pay for all "loss" to audio, visual or data electronic equipment and any accessories used with this equipment as a result of any one "accident" is the lesser of

a. The actual cash value of the damaged or stolen property as of the time of the "loss"; or

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

c. $500.

2. An adjustment for depreciation and physical condition will be made in determining actual cash value at the time of the "loss".

3. Deductibles applicable to

PHYSICAL DAMAGE

COVERAGE, do not apply to this Audio, Visual and Data Electronic Equipment Coverage.

If there is other coverage provided by this policy for audio, visual and data electronic equipment, the coverage provided herein is

461-0155 (9-97) excess. However, you may elect to apply the limit or any portion thereof of coverage provided herein to pay any deductible that is applicable under the provisions of the other coverage.

12. RENTAL REIMBURSEMENT and

MATERIAL TRANSFER EXPENSE

The following is added to SECTION III -

PHYSICAL DAMAGE COVERAGE, A.

COVERAGE:

7. Rental Reimbursement and Material Transfer Expense

This coverage provides only those Physical Damage Coverages where a premium is shown in the Declarations. It applies only to a covered "auto" described or designated to which the Physical Damage Coverages apply.

We will pay for auto rental expenses and the expenses, incurred by you because of "loss" to a covered "auto", to remove and transfer your materials and equipment from the covered "auto" . Payment applies in addition to the otherwise applicable amount of each coverage you have on a covered "auto". No deductibles apply to this coverage.

We will pay only for those auto rental expenses incurred during the policy period beginning 24 hours after the "loss" and ending, regardless of the policy’s expiration, with the lesser of the following number of days:

1. The number of days reasonably required to repair or replace 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 transport it to a repair shop.

2. 60 days.

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

1. Necessary and actual expenses incurred, including loss of use.

2. $3000.

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

If "loss" results from the total theft of a covered "auto" of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided for under the SECTION

III - PHYSICAL DAMAGE

COVERAGE, A. 4. Coverage Extension.

13. AIRBAG COVERAGE

The following is added to SECTION III -

PHYSICAL DAMAGE COVERAGE, B.

Exclusions, paragraph 3.

The portion of this exclusion relating to mechanical or electrical breakdown does not apply to the accidental discharge of an airbag. This coverage is excess of other collectible insurance or warranty. No deductible applies to this Airbag Coverage.

461-0155 (9-97)

14. AUTO LOAN PHYSICAL DAMAGE

EXTENSION

The following is added to SECTION III -

PHYSICAL DAMAGE COVERAGE, C.

Limit Of Insurance provision:

When a "loss" results in a total loss to a covered auto you own for which a Loss Payee is designated in this policy, the most we will pay for "loss" in any one "accident" is the greater of:

1. The actual cash value of the damaged or stolen property as of the time of the "loss"; or

2. The outstanding balance of the initial loan, less any amounts for taxes, overdue payments, overdue payment charges, penalties, interest , any charges for early termination of the loan, costs for Credit Life Insurance, Health, Accident or Disability Insurance purchased with the loan, and carry-over balances from previous loans.

15. AUTO LEASE PHYSICAL DAMAGE

EXTENSION

The following is added to SECTION III -

PHYSICAL DAMAGE COVERAGE, C.

Limit Of Insurance provision:

If, because of damage, destruction or theft of a covered "auto", which is a long-term leased "auto", the lease agreement between you and the lessor is terminated, "we" will pay the difference between the amount paid under paragraph C. LIMIT OF INSURANCE

1. or 2. and the amount due at the time of "loss" under the terms of the lease agreement applicable to the leased "auto" which you are required to pay: less any fees to dispose of the auto; any overdue payments; financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage;

security deposits not refunded by the lessor;

cost for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance purchased with the loan; and carry over balances from previous leases.

This coverage applies only to the initial lease for the covered "auto" which has not previously been leased. This coverage is excess over all other collectible insurance.

SECTION IV - CONDITIONS

16. DUTIES IN THE EVENT OF

ACCIDENT, CLAIM, SUIT OR LOSS

The following is added to SECTION IV - BUSINESS AUTO CONDITIONS, A. Loss Conditions, 2. Duties In The Event Of Accident, Claim, Suit Or Loss:

d. Knowledge of any "accident", claim, "suit" or "loss" will be deemed knowledge by you when notice of such "accident", claim, "suit" or "loss" has been received by:

(1) You, if you are an individual;

(2) Any partner or insurance manager if you are a partnership; or

(3) An executive officer or insurance manager if you are a corporation.

17. BLANKET WAIVER OF

SUBROGATION

Paragraph 5. Transfer Of Rights Of Recovery Against Others To Us, SECTION IV - BUSINESS AUTO

CONDITIONS, A. Loss Conditions is replaced by the following:

461-0155 (9-97)

5. Transfer Of Rights Of Recovery Against Others To Us

If any person or organization to or for whom we make payment under this Coverage Form has rights to recover damages from another, which have not been waived through the execution of an "insured contract", written agreement, or permit, prior to the "accident" or "loss" giving rise to the payment, those rights to recover damages from another are transferred to us.

That person or organization must do everything necessary to secure our rights and must do nothing after the "accident" or "loss" to impair them.

18. UNINTENTIONAL FAILURE TO

DISCLOSE INFORMATION

The following is added to SECTION IV

BUSINESS AUTO CONDITIONS. B.

General Conditions, paragraph 2.

Concealment, Misrepresentation Or Fraud:

Your unintentional error in disclosing, or failure to disclose, any material fact existing after the effective date of this Coverage Form shall not prejudice your rights under this Coverage Form.

However, this provision does not affect our right to collect additional premium or exercise our right of cancellation or nonrenewal.

19. HIRED AUTO – WORLDWIDE

COVERAGE

The following is added to SECTION IV - Business Auto Conditions, B. General Conditions, paragraph 7. Policy Period, Coverage Territory provision:

e. Outside the coverage territory described in a., b., c., and d.

above for an "accident" or "loss" resulting from the use of a covered "auto" you hire, without a driver, or your employee hires without a driver, at your direction, for the purpose of conducting your business, for a period of 30 days or less, provided the suit is brought within The United States of America or its territories or possessions.

SECTION V - DEFINITIONS

20. MENTAL ANGUISH

Paragraph C. "Bodily injury", SECTION V - DEFINITIONS is replaced by the following:

C. "Bodily injury" means bodily injury, sickness or disease sustained by a person including death or mental anguish resulting from any of these.