2023_5_23_COI.pdf

04/12/2023

Harnish Insurance Group 2045 S Vineyard Ste 143

Mesa AZ 85210

Danielle Harper

(480) 839-9077 (866) 771-9077 certs@theharnishgroup.com

Office Keepers, LLC DBA Keepers

2260 East University Drive Mesa AZ 85213

Acuity Mutual Insurance Company 14184

CL225203375

A Y Y X43009 05/15/2022 05/15/2023

1,000,000 100,000 5,000 1,000,000 2,000,000 2,000,000

A X43009 05/15/2022 05/15/2023

1,000,000

A X43009 05/15/2022 05/15/2023 2,000,000 2,000,000

With respect to General Liability, State of Arizona, and its departments, agencies, boards, commissions, universities, officers, officials, agents, and employees as additional insureds per the provisions of the attached endorsement(s). Primary and Non-contributory applies per the attached endorsement(s). Waiver of Subrogation applies per the attached endorsement(s).

Arizona Department of Economic Security 1789 W. Jefferson Street 4th Fl. S. Ctr, Mail Drop 1541 Phoenix AZ 85007

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

(2) The effective date of replacement coverage obtained by the first Named Insured.

b. If the first Named Insured elects not to renew, any earned premium for the pe-riod of extension of the terminated poli-cy will be calculated pro rata at the lower of the following rates:

(1) The rates applicable to the termi-nated policy; or

(2) The rates presently in effect.

c. If the first Named Insured accepts the renewal, the premium increase, if any, and other changes are effective the day following this policy’s anniversary or ex-piration date.

COMMON POLICY CONDITIONS IL-0017F(11-98)

All Coverage Parts included in this policy are subject to the following conditions.

A. CANCELLATION

1. The First Named Insured shown in the Declara-tions may cancel this policy by mailing or delivering to us advance written notice of cancellation.

2. We may cancel this policy by mailing or de-livering to the First Named Insured written notice of cancellation at least:

a. Ten days before the effective date of cancellation if we cancel for nonpayment of premium; or

b. Thirty days before the effective date of cancella-tion if we cancel for any other reason.

3. We will mail or deliver our notice to the First Named Insured’s last mailing address known to us.

4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date.

5. If this policy is cancelled, we will send the First Named Insured any premium refund due. If we can-cel, the refund will be pro rata. If the First Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund.

6. If notice is mailed, proof of mailing will be suffi-cient proof of notice.

B. CHANGES

This policy contains all the agreements between you and us concerning the insurance afforded. The First Named Insured shown in the Declarations is au-thorized to make changes in the terms of this policy with our consent. This policy’s terms can be amend-ed or waived only by endorsement issued by us and made a part of this policy.

C. EXAMINATION OF YOUR BOOKS AND

RECORDS

We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward.

D. INSPECTIONS AND SURVEYS

1. We have the right to:

a. Make inspections and surveys at any time;

b. Give you reports on the conditions we find; and

c. Recommend changes.

2. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions:

a. Are safe or healthful; or

b. Comply with laws, regulations, codes or stan-dards.

3. Paragraphs 1 and 2 of this condition apply not only to us, but also to any rating, advisory, rate service or similar organization which makes insur-ance inspections, surveys, reports or recommenda-tions.

4. Paragraph 2 of this condition does not apply to any inspections, surveys, reports or recommenda-tions we may make relative to certification, under state or municipal statutes, ordinances or regula-tions, of boilers, pressure vessels or elevators.

E. PREMIUMS

The First Named Insured shown in the Declarations:

1. Is responsible for the payment of all premiums;

and

2. Will be the payee for any return premiums we pay.

F. TRANSFER OF YOUR RIGHTS AND DUTIES

UNDER THIS POLICY

Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured.

If you die, your rights and duties will be transferred to your legal representative, but only while acting within the scope of duties as your legal representa-tive. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property.

CG-7264(12-19) Page 1 of 1

WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO

US AUTOMATIC STATUS WHEN REQUIRED IN A CONTRACT WITH YOU

CG-7264(12-19)

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

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

The Transfer of Rights of Recovery Against Others to Us Condition under Section IV - Commercial General Liability Conditions is amended by the addition of the following:

1. We waive any right of recovery we may have against any person or organization described in paragraph 2 because of payments we make for injury or damage arising out of your ongoing operations or your work done under a contract with that person or organization and included in the products-completed operations hazard.

2. The waiver applies only to:

a. Any person or organization with whom you have a written contract or agreement in which you are required to waive rights of recovery under this policy. Such contract or agreement must have been executed prior to the occurrence causing injury or damage; and

b. Any other person or organization you are required to add as an additional insured under the contract or agreement described in paragraph a. above.

CG-2001R(4-13) Page 1 of 1

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 un-der 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.

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PRODUCTS-COMPLETED OPERATIONS LIABILITY COV-

ERAGE FORM

RESIDENTIAL CARE FACILITY LIABILITY COVERAGE

PART

The following is added to the Other Insurance Con-dition and supersedes any provision to the contrary:

Primary And Noncontributory Insurance

PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION CG-2001R(4-13)

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

CG-7277(6-13) Page 1 of 1

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PRODUCTS-COMPLETED OPERATIONS LIABILITY COV-

ERAGE FORM

1. Section II - Who Is An Insured is amended to include as an additional insured:

a. Any person(s) or organization(s) for whom you have performed operations if you and such person(s) or organization(s) have agreed in writing in a contract or agreement that such person(s) or organization(s) be added as additional insured on your policy for completed operations; and

b. Any other person(s) or organization(s) you are required to add as an additional insured under the contract or agreement described in paragraph a above.

Such person or organization is an additional in-sured only with respect to liability included in the products-completed operations hazard for bodily injury or property damage caused, in whole or in part, by your work performed for that additional insured at the location designated and described in the contract or agreement.

However:

a. The insurance afforded to such additional insured only applies to the extent permitted by law; and

b. If coverage provided to the additional in-sured is required by a contract or agree-ment, the insurance afforded to such addi-tional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured.

2. This insurance does not apply to:

a. Bodily injury or property damage which oc-curs prior to the execution of the contract or agreement described in item 1; or

b. Bodily injury or property damage that oc-curs after the time period during which the contract or agreement described in item 1 requires you to add such person or or-ganization onto your policy as an additional insured for completed operations; or

c. Bodily injury or property damage arising out of the rendering of, or the failure to render, any professional, architectural, engineering or surveying services, including:

(1) The preparing, approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifica-tions; or

(2) Supervisory, inspection, architectural or engineering activities.

This exclusion applies even if the claims against any insured allege negligence or other wrong-doing in the supervision, hiring, employment, training or monitoring of others by that insured, if the occurrence which caused the bodily injury or property damage involved the rendering of or the failure to render any professional services by or for you.

3. With respect to the insurance afforded to these additional insureds, the following is added to Section III - Limits Of Insurance:

If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance:

a. Required by the contract or agreement; or

b. Available under the applicable Limits of In-surance shown in the Declarations;

whichever is less.

This endorsement shall not increase the ap-plicable Limits of Insurance shown in the Dec-larations.

CG-7277(6-13)ADDITIONAL INSURED - COMPLETED OPERATIONS AUTOMATIC STATUS

WHEN REQUIRED IN CONSTRUCTION AGREEMENT WITH YOU (OWNERS,

LESSEES OR CONTRACTORS)

CG-2033R(6-13) Page 1 of 1

ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - AUTO-

MATIC STATUS WHEN REQUIRED IN CONSTRUCTION AGREEMENT WITH

YOU

CG-2033R(6-13)

(1) The preparing, approving or failing to prepare or approve maps, shop draw-ings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or

(2) Supervisory, inspection, architectural or engineering activities.

This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employ-ment, training or monitoring of others by that insured, if the occurrence which caused the bodily injury or property damage involved the rendering of or the failure to render any pro-fessional architectural, engineering or surveying services.

b. Bodily injury or property damage occurring after:

(1) All work, including materials, parts or equipment furnished in connection with such work, on the project (other than ser-vice, maintenance or repairs) to be per-formed by or on behalf of the additional insured(s) at the location of the covered operations has been completed; or

(2) That portion of your work out of which the injury or damage arises has been put to its intended use by any person or organization other than another con-tractor or subcontractor engaged in per-forming operations for a principal as a part of the same project.

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

1. Section II - Who Is An Insured is amended to include as an additional insured:

a. Any person or organization for whom you are performing operations when you and such person or organization have agreed in writing in a contract or agreement that such person or organization be added as an ad-ditional insured on your policy; and

b. Any other person or organization you are required to add as an additional insured under the contract or agreement described in paragraph a above.

Such person or organization is an additional insured only with respect to liability for bodily injury, property damage or personal and ad-vertising injury caused, in whole or in part, by:

a. Your acts or omissions; or

b. The acts or omissions of those acting on your behalf;

in the performance of your ongoing operations for the additional insured.

However the insurance afforded to such addi-tional insured:

a. Only applies to the extent permitted by law;

and

b. Will not be broader than that which you are required by the contract or agreement to provide for such additional insured.

A person's or organization's status as an addi-tional insured under this endorsement ends when your operations for that additional insured are completed.

2. With respect to the insurance afforded these additional insureds, the following additional ex-clusions apply:

This insurance does not apply to:

a. Bodily injury, property damage or personal and advertising injury arising out of the ren-dering of, or the failure to render, any pro-fessional architectural, engineering or sur-veying services, including:

3. With respect to the insurance afforded to these additional insureds, the following is added to Section III - Limits Of Insurance:

The most we will pay on behalf of the addi-tional insured is the amount of insurance:

a. Required by the contract or agreement you have entered into with the additional in-sured; or

b. Available under the applicable Limits of In-surance shown in the Declarations;

whichever is less.

This endorsement shall not increase the ap-plicable Limits of Insurance shown in the De-clarations.

CA-7214(10-98) Page 1 of 1

CA-7214(10-98)ADDITIONAL INSURED - AUTOMATIC STATUS WHEN REQUIRED IN

WRITTEN AGREEMENT WITH YOU - PRIMARY

This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM

GARAGE COVERAGE FORM

MOTOR CARRIER COVERAGE FORM

1. Who Is an Insured under Section II - Liability Coverage is amended to include any person or organization with whom you have agreed in writing in a contract or agreement that such person or organization be added as an additional insured on your policy. Such persons or organizations are addi-tional insureds only with respect to liability arising out of operations performed for the additional insured by you.

2. The coverage provided by this endorsement will be primary and noncontributory with respect to any other coverage available to the additional insured.

3. The Limits of Insurance applicable to the additional insured are those specified in the written con- tract or agreement or in the Declarations for this Coverage Form, whichever is less. These Limits of Insurance are inclusive and not in addition to the Limits of Insurance shown in the Declarations.

CG-0001R(12-11) Page 11 of 16

b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization;

and

c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization.

No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations.

SECTION III - LIMITS OF INSURANCE

1. The Limits of Insurance shown in the Declara-tions and the rules below fix the most we will pay regardless of the number of:

a. Insureds;

b. Claims made or suits brought; or

c. Persons or organizations making claims or bringing suits.

2. The General Aggregate Limit is the most we will pay for:

a. The sum of:

(1) Medical expenses under Coverage C;

and

(2) Damages under Coverage A, except damages because of bodily injury or property damage included in the pro-ducts-completed operations hazard.

With respect to the above items, the Gen-eral Aggregate Limit applies separately to:

(1) Each location owned by or rented to you. A location is a premises involving the same or connecting lots, or a prem-ises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad, and

(2) Each of your projects away from a loca-tion owned by or rented to you; or

b. Damages under Coverage B.

3. The Products-Completed Operations Aggregate

Limit is the most we will pay under Coverage A for damages because of bodily injury and prop-erty damage included in the products-complet-ed operations hazard.

4. Subject to paragraph 2 above, the Personal and Advertising Injury Limit is the most we will pay under Coverage B for the sum of all dam-ages because of all personal and advertising injury sustained by any one person or organiza-tion.

5. Subject to paragraph 2 or 3 above, whichever applies, the Each Occurrence Limit is the most we will pay for the sum of:

a. Damages under Coverage A; and

b. Medical expenses under Coverage C;

because of all bodily injury and property dam-age arising out of any one occurrence.

6. Subject to paragraph 5 above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages be-cause of property damage to any one prem-ises, while rented to you for a period of 7 or fewer consecutive days or in the case of dam-age by fire, while rented to you or temporarily occupied by you with permission of the owner.

7. Subject to paragraph 5 above, the Medical Ex-pense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person.

The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, start-ing with the beginning of the policy period shown in the Declarations, unless the policy period is ex-tended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance.

SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS

1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part.

2. Duties in the Event of Occurrence, Offense, Claim or Suit

a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a claim. To the extent possible, notice should include:

(1) How, when and where the occurrence or offense took place;

(2) The names and addresses of any in-jured persons and witnesses; and

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

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 the date received; and

(2) Notify us as soon as practicable.