2025-09-14_AARC_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

10/24/2024

Marsh & McLennan Agency LLC 2500 City West Blvd. Suite 2400 Houston TX 77042

Diana Cruz 713-780-6104

Diana.Cruz@marshmma.com

St. Paul Travelers Casualty and Surety 99999 AARCGROUP Chubb National Insurance Company 10052

AARC Consultants, LLC; AARC Group, Inc 2000 W Sam Houston Pkwy S., #850 Houston TX 77042

Crum & Forster Specialty Insurance Co 44520 Benchmark Specialty Insurance Company 17180

103110693

C X 2,000,000 X 50,000

X 5,000 5,000

2,000,000

4,000,000 X

FEIECC3616600 9/21/2024 9/14/2025

4,000,000

C 1,000,000

X X

FEIECC3616600 9/21/2024 9/14/2025

C D

X 10,000,000 X

FEIEXS4564900

MNGRX2000855

9/21/2024 9/21/2024

9/14/2025 9/14/2025

10,000,000

B X2571799383 10/8/2024 10/8/2025

1,000,000

1,000.000

1,000,000 A C

Crime Professional Liability Contractors Pollution Liability

107750666

FEIECC3616600

9/14/2024 9/21/2024

9/14/2025 9/14/2025

Limits Ea. Wrongful Act Ea. Poll. Condition

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

The General Liability and Excess Liability policies include Blanket Additional Insured endorsements that provide Additional Insured status only where such status is required by a written contract.

The General Liability, Excess Liability and Employers Liability policies include a Blanket Waiver of Subrogation endorsement that provides such status only where such status is required by written contract.

The General Liability policy contains a special endorsement with "Primary and Non-Contributory" wording only where there is a written contract that requires such status.

See Attached...

Arizona Department of Environmental Quality (ADEQ) 1110 W. Washington Street Phoenix, AZ 85007

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:

AARCGROUP

1 1

Marsh & McLennan Agency LLC AARC Consultants, LLC; AARC Group, Inc 2000 W Sam Houston Pkwy S., #850 Houston TX 77042

25 CERTIFICATE OF LIABILITY INSURANCE

30 Day NOC (except 10 days for non payment of premium) is granted to the certificate holder.

Hired and Non-owned Auto Coverage is included in General Liability policy. The insured does not own any autos.

Professional Liability is included in General Liability policy.

Cyber Liability Policy No.: D97218596 Term: 09/14/2024 to 09/14/2025 Carrier: ACE American Insurance Co.

$1,000,000 Aggregate Policy Limit $5,000 Retention – Each Claim 12 hour Waiting Period for Business Interruption & Extra Expense 12 hour Waiting Period for Contingent Business Interruption & Extra Expense

First Party Insuring Agreement $1,000,0000 – Business Interruption and Extra Expense $1,000,000 – Contingent Business Interruption and Extra Expense $1,000,000 – Digital Data Recovery $1,000,000 – Network Extortion

Third Party Insuring Agreement $1,000,000 Each Claim – Cyber, Privacy and Network Security

1. $1,000,000 – Payment Card Loss

2. $1,000,000 – Regulatory Proceeding $1,000,000 – Electronic, Social and Printed Media Liability

RE: Contract #CTR074216

Additional Insured in favor of the State of Arizona, and its departments, agencies, boards, commissions, universities, officers, officials, agents, and employees with the respects to General Liability and Auto Liability as required by written contract. Waiver of Subrogation in favor of the State of Arizona, and its departments, agencies, boards, commissions, universities, officers, officials, agents, and employees with the respects to General Liability, Auto Liability and Workers’ Compensation as required by written contract. 30 Day NOC (except 10 days for non payment of premium) is granted to the State of Arizona, and its departments, agencies, boards, commissions, universities, officers, officials, agents, and employees.

This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated.

(The information below is required only when this endorsement is issued subsequent to preparation of the policy.)

Endorsement Effective 10-08-24 Policy No. 71799383 Endorsement No.

Insured AARC GROUP, LLC Premium $ Incl.

Insurance Company Westchester Fire Insurance Company

Countersigned By

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 03 13

(Ed. 4-84)

WC 00 03 13

(Ed. 4-84) 1983 National Council on Compensation Insurance.

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

Any person or organization against whom you have agreed to waive your right of recovery in a written contract, provided such contract was executed prior to the date of loss.

For policies or exposure in Missouri:

Any person or organization for which the employer has agreed by written contract, executed prior to loss, may execute a waiver of subrogation. However, for purposes of work performed by the employer in Missouri, this waiver of subrogation does not apply to any construction group of classifications as designated by the waiver of right to recover from others (subrogation) rule in our manual.

Insured Copy

Workers' Compensation and Employers' Liability Policy Endorsement NumberNamed Insured

AARC GROUP, LLC

Policy Number Symbol: Number: (25) 7179-93-83

Policy Period

10/08/2024 TO 10/08/2025

Effective Date of Endorsement 10/08/2024

Issued By (Name of Insurance Company) Westchester Fire Insurance Company

Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy.

ARIZONA SIGNATURE ENDORSEMENT

This endorsement applies to the insurance provided by this policy because Arizona is shown in Item 3.A. of the Information page.

The signature statement on Page 6 of the Policy is replaced with the following:

By signing and delivering the policy to you, we state that it is a valid contract.

Authorized Agent

WC 99 03 33 (02/03) Ptd. in U.S.A.

Copyright 2010 National Council on Compensation Insurance, Inc. All Rights Reserved.

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 02 04 01 C

(Ed. 02-10)

ARIZONA ALCOHOL- AND DRUG-FREE WORKPLACE PREMIUM CREDIT ENDORSEMENT

This endorsement applies only to the insurance provided by the policy because Arizona is shown in Item 3.A. of the Policy Information Page.

This endorsement provides notice that premium for your policy may be affected by the Arizona Alcohol- and Drug-Free Workplace Premium Credit Program.

You may qualify for a 5% premium credit if you have established and maintain a qualifying alcohol- and drug-free workplace program in accordance with Title 23, Chapter 2, Article 14 of Arizona Statutes.

We will determine your eligibility for this premium credit after total premium has been paid for the policy period and may be revised at the time your final premium audit is processed.

The determination that you have a qualifying program must be made each year that you receive the premium credit. To implement a premium credit program, the following guidelines must be established:

1. Insurers offering the premium credit program may apply a 5% premium credit to qualifying employers.

2. To receive the premium credit, you must:

a. Provide a written statement to the insurer prior to or within 30 days after the beginning of the policy effective date each year, certifying that the business has implemented a program meeting the requirements of Title 23, Chapter 2, Article 14.

b. At any time during the term of the policy, provide additional information to the insurer, as required, to confirm that a qualifying program has been established and is being maintained.

c. Comply with the alcohol and drug testing policy requirements in accordance with Title 23, Chapter 2, Article 14.

d. Conduct alcohol and drug testing of prospective employees.

e. Conduct alcohol and drug testing of an employee after the employee has been injured.

f. Allow us to have access to the alcohol and drug testing results under d. and e. above.

3. The determination that you have established and maintain a qualifying program must be made during each policy term that you receive the premium credit.

4. Your certification and any other information relied upon by the insurer in granting the premium credit must be kept in the insurer’s underwriting files and made available to the Department of Insurance upon request.

5. The premium credit may be applied after total premium has been paid for the policy period and may be revised at final audit to the employer’s policy. The credit is applicable as a supplement to deviated rates and is applied in a multiplicative manner, after the application of the experience modification, and before the application of the premium discount and expense constant.

6. You must reimburse the premium credit if it is determined that you were not in compliance with the provisions of the program.

7. Minimum premium policies are eligible for this premium credit.

8. Residual market employers are eligible to apply for this premium credit.

(25) 7179-93-83 10-08-2024

Westchester Fire Insurance Company

Incl.AARC GROUP, LLC

This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated.

(The information below is required only when this endorsement is issued subsequent to preparation of the policy.)

Endorsement Effective Policy No. Endorsement No.

Insured Premium $

Insurance Company

Countersigned By

WC 02 04 01 C

(Ed. 02-10) Copyright 2010 National Council on Compensation Insurance, Inc. All Rights Reserved.

WC 02 04 01 C WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY

(Ed. 02-10)

This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated.

(The information below is required only when this endorsement is issued subsequent to preparation of the policy.)

Endorsement Effective 10-08-24 Policy No. 71799383 Endorsement No.

Insured AARC GROUP, LLC Premium $ Incl.

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 02 06 01 C

(Ed. 09-2021)

WC 02 06 01 C

(Ed. 09-2021) © Copyright 2021 National Council on Compensation Insurance, Inc. All Rights Reserved.

Arizona Cancellation and Nonrenewal Endorsement This endorsement applies because Arizona is shown in Item 3.A. of the Information Page. Part Six—Conditions, Section D. (Cancellation) of the policy is replaced by the following:

D. Cancellation and Nonrenewal

1. You may cancel this policy. You must mail or deliver advance written notice to us stating when the cancellation is to take effect.

2. If you cancel or fail to renew this policy, we must promptly notify the Industrial Commission of Arizona.

3. We may cancel this policy if you fail to pay premium when due, or when one or both of the parties to a professional employer agreement terminate the agreement.

• If we cancel or nonrenew this policy, we must provide to you and the Industrial Commission of

Arizona at least 30 days’ notice of the cancellation or nonrenewal.

• Notice to you may be sent via mail or delivered by electronic means as follows:

• Mailing that notice to you at your last-known mailing address on file with us will be sufficient proof of notice.

• Delivery to an email address at which you have consented to receive notices or documents.

• Posting on a portal, secure website, electronic network or site accessible via the Internet or a mobile application, computer, mobile device, tablet, or other electronic device, together with a separate notice that includes a description of the document or notice that was posted and that was provided by email to the email address at which you consented to receive notice, or by any other delivery method to which you consented.

• If you consented to have the notice emailed in accordance with Arizona law, emailing that notice to you at your last-known email address as provided by you to us will be sufficient proof of notice.

• If the email notice is: (1) rejected for delivery; (2) returned to us; or (3) we become aware that the email address provided by you is no longer valid, then we will also mail that notice to you by US Postal Service certified mail, certificate of mailing, or first-class mail using intelligent mail barcode, or another similar tracking method used or approved by the US Postal Service.

• If we nonrenew this policy and fail to give you notice of nonrenewal, coverage will not extend beyond the policy period.

4. The policy period will end on the date and time stated in the cancellation or nonrenewal notice.

5. Any of these provisions that conflict with a law that controls the cancellation of the insurance in this policy is changed by this statement to comply with the law.

This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated.

(The information below is required only when this endorsement is issued subsequent to preparation of the policy.)

Endorsement Effective 10-08-24 Policy No. 71799383 Endorsement No.

Insured AARC GROUP, LLC Premium $ Incl.

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 02 06 03 A

(Ed. 12-2022)

WC 02 06 03 A

(Ed. 12-2022) © Copyright 2020 National Council on Compensation Insurance, Inc. All Rights Reserved.

Arizona Amendatory Endorsement

This endorsement applies because Arizona is shown in Item 3.A. of the Information Page.

Item 2. of the Information Page is replaced by the following:

2. The policy period is from 10/08/2024 to 10/08/2025 12:01 a.m. in the time zone of the insured's mailing address. For endorsements issued during the policy period, the effective date is in the time zone of the insured’s mailing address.