Certificate__1_.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

4/14/2025

(520) 467-6091 (520) 571-9667

27740

Spencer Construction LLC 7225 N Mona Lisa Rd.Suite 202 Tucson, AZ 85741

39217 37257 27960

A 1,000,000

X X 175000059 3/1/2025 3/1/2026 100,000 5,000

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

1,000,000A

X X 165000072 3/1/2025 3/1/2026

5,000,000B 195000059 3/1/2025 3/1/2026 5,000,000

10,000 C

X 155000075 3/1/2025 3/1/2026 1,000,000 Y 1,000,000

1,000,000 D Pollution Liability X COOG47408398 002 3/1/2025 Ret $10,000 Limit 2,000,000 D Errors & Ommisions COOG47408398 002 3/1/2025 3/1/2027 Ret $25,000 Limit 2,000,000

Contract# CTR055131 Equipment Floater/Rented/Leased Equipment:

Markel American Insurance Company Policy Number: MKLM5IM0056693 Period: 3/01/25 to 3/01/26 Any One item: $1,200,000/Any One Occurrence: $10,000,000 Actual Cash Value except items 3 years or newer Replacement Cost will apply

SEE ATTACHED ACORD 101

State of Arizona and the Arizona Game and Fish Department 5000 West Carefree Highway Phoenix, AZ 85086

SPENCON-02 CYNDEEGRAVES

NFP Property & Casualty Services, Inc.

6992 East Broadway Boulevard Tucson, AZ 85710

CynDee Graves cyndee.graves@nfp.com

North Pointe Insurance Co QBE Insurance Corporation Praetorian Insurance Company Illinois Union Insurance Company

X

3/1/2027

X X

X XX

X

X

X

X

FORM NUMBER:

EFFECTIVE DATE:

The ACORD name and logo are registered marks of ACORD

ADDITIONAL REMARKS

ADDITIONAL REMARKS SCHEDULE

FORM TITLE:

Page of

THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM,

ACORD 101 (2008/01)

AGENCY CUSTOMER ID:

LOC #:

AGENCY NAMED INSURED

POLICY NUMBER

CARRIER NAIC CODE

© 2008 ACORD CORPORATION. All rights reserved.

NFP Property & Casualty Services, Inc.

SPENCON-02

SEE PAGE 1

SEE PAGE 1

ACORD 25 Certificate of Liability Insurance

SEE P 1

Spencer Construction LLC 7225 N Mona Lisa Rd.Suite 202 Tucson, AZ 85741

SEE PAGE 1

CYNDEEGRAVES

Description of Operations/Locations/Vehicles:

$10,000 Deductible; Items $750,000 or greater in value will have a $25,000 deductible Loss Payee per form IM7902 1/12 attached

Excess Liability Homesite Insurance Company of FL Policy Number: CXP030552-01 Period: 3/01/25 to 3/01/26 $5,000,000 excess over primary $5,000,000 umbrella

Certificate Holder is Additional Insured with respects to On Going Operations per General Liability endorsement CG2010 12/19 and for Completed Operations per endorsement CG2037 12/19. Primary and Non-Contributory applies per endorsement CG2001 12/19 attached. Waiver of Subrogation applies with respects to General Liability per endorsement CG2404 12/19 attached. Per Project Aggregate applies per form GL-U-2048 8/21 attached. 30-day Notice of Cancellation per form GL-U-2008 8/20 attached. Additional Insured applies to rented/leased equipment per form CG2028 12/19 attached.

Certificate Holder is Additional Insured with respects to Auto Liability per endorsement CA-BA-2004 12/20 attached. Primary and Non-Contributory applies per endorsement CA-U-2014 12/20 attached. Waiver of Subrogation applies with respects to Auto Liability per endorsement CA0444 10/13 attached. 30-day Notice of Cancellation per form CA-U-2025 12/20 attached.

Waiver of Subrogation applies with respects to Workers Compensation per endorsement WC000313 attached. CA Waiver of Subrogation per form WC040306 attached. TX Waiver of Subrogation per form WC420304B attached.

Umbrella is follow form over the General Liability & Auto Liability. Primary & Non-Contributory applies per form UM-CU-2001 8/20 attached. Waiver of Subro per form CU2403 12/20 attached. 30-day Notice of Cancellation per form GL-U-2008 8/20 attached.

Additional Insureds: State of Arizona and the Arizona Game and Fish Department

CA-U-2025 (12-20)

© , 2020

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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

AMENDMENT — NOTICE TO OTHERS OF

CANCELLATION

Name of Insured: Spencer Construction, LLC

Policy Number: 165000072

Endorsement Number: CA-U-2025 (12-20)

Effective Date of Endorsement: 03/01/2025

Name of Insurer: NORTH POINTE INSURANCE COMPANY

SCHEDULE

Name and Address of Person or Organization Number of Days Notice

Per Schedule on File with the Named Insured. 30 7225 N Mona Lisa Rd

Tucson, AZ 85741

* If this box is checked, notice will not be sent in the event of nonpayment of premium.

Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Declarations.

The following is added to the policy:

A. If we cancel the policy by notice to the first Named

Insured, we will mail or deliver a copy of such written notice of cancellation to the person(s) or organization(s) shown in the SCHEDULE above.

However, no notice will be mailed or delivered if cancellation is for nonpayment of premium and the box in the SCHEDULE above is checked.

B. Any copy of notice per paragraph A. above will be mailed or delivered:

1.To the address corresponding to each person or organization indicated in the SCHEDULE above;

and

2. At least the number of days set forth in the

SCHEDULE prior to the cancellation date appli-cable to the policy, as advised in our notice to the first Named Insured.

C. If notice per paragraph A. is mailed, proof of mailing will be sufficient proof of notice.

CA-U-2025 (12-20)

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D. Written notices mailed or delivered by us pursuant to the terms of this endorsement are intended only to be an advance notification to the person(s) or organization(s) named in the SCHEDULE of this endorsement in the event of a pending cancellation and shall not operate or be deemed to benefit, directly or indirectly, any person or organization not named in the SCHEDULE above.

All other terms and conditions of the policy remain unchanged.

CA-BA-2004 (12-20)

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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED BY WRITTEN

CONTRACT OR AGREEMENT

Name of Insured: Spencer Construction, LLC

Policy Number: 165000072

Endorsement Number: CA-BA-2004 (12-20)

Effective Date of Endorsement: 03/01/2025

Name of Insurer: NORTH POINTE INSURANCE COMPANY

This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM

ADDITIONAL INSURED BY WRITTEN CONTRACT

OR AGREEMENT

SECTION II — COVERED AUTOS LIABILITY COV-

ERAGE, A. Coverage, 1. Who Is An Insured is amended by the addition of the following:

Any person or organization to whom you are required by a written contract or agreement to provide addi-tional insured status is an "insured" under Covered Autos Liability Coverage, but only to the extent that person or organization qualifies as an "insured" under Section II.A.1. Who Is An Insured of this Coverage Form.

The written contract or agreement must be in effect during the policy period shown in the Declarations and must have been executed prior to the "bodily in-jury" or "property damage".

All other terms and conditions of this policy remain un-changed.

CA-U-2014 (12-20)

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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DESIGNATED INSURED — PRIMARY AND

NON-CONTRIBUTORY

Name of Insured: Spencer Construction, LLC

Policy Number: 165000072

Endorsement Number: CA-U-2014 (12-20)

Effective Date of Endorsement: 03/01/2025

Name of Insurer: NORTH POINTE INSURANCE COMPANY

This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM

AUTO DEALERS COVERAGE FORM

MOTOR CARRIER COVERAGE FORM

SCHEDULE

Insured(s):

Any person or organization you are required under a written contract or agreement in effect prior to loss or damage to add as an additional insured to this policy, but only to the extent required by the written contract or agreement, including any limits of insurance specified therein.

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

A. The following is added to the Other Insurance

Condition in the BUSINESS AUTO COVERAGE FORM and the Other Insurance – Primary And Excess Insurance Provisions in the MOTOR CARRIER COVERAGE FORM and supersedes any provision to the contrary:

This Coverage Form's Covered Autos Liability Coverage is primary to and will not seek contribu-tion from any other insurance available to an "in-sured" under your policy provided that:

1. Such "insured" is named in the SCHEDULE above;

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 such "in-sured"; and

3. Such contract or agreement is in effect during the policy period and is signed and executed before any damage or “loss” occurs.

B. The following is added to the Other Insurance Condition in the AUTO DEALERS COVERAGE FORM and supersedes any provision to the con-trary:

This Coverage Form's Covered Autos Liability Coverage and General Liability Coverages are primary to and will not seek contribution from any other insurance available to an "insured" under your policy provided that:

CA-U-2014 (12-20)

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1. Such "insured" is named in the SCHEDULE above;

2. You have agreed in writing in a contract or agreement that this insurance would be pri-mary and would not seek contribution from any other insurance available to such "in-sured"; and

3. Such contract or agreement is in effect during the policy period and is signed and executed before any damage or “loss” occurs.

All other terms and conditions of the policy remain un-changed.

POLICY NUMBER: 165000072 COMMERCIAL AUTO

CA 04 44 10 13

CA 04 44 10 13 © Insurance Services Office, Inc., 2011 Page 1 of 1

WAIVER OF TRANSFER OF RIGHTS OF RECOVERY

AGAINST OTHERS TO US (WAIVER OF SUBROGATION)

This endorsement modifies insurance provided under the following:

AUTO DEALERS COVERAGE FORM

BUSINESS AUTO COVERAGE FORM

MOTOR CARRIER COVERAGE FORM

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

This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below.

Named Insured: Spencer Construction, LLC

Endorsement Effective Date: 03/01/2025

SCHEDULE

Name(s) Of Person(s) Or Organization(s):

Any person or organization for whom you perform work under a written contract if the contract requires you to obtain this agreement from us, but only if the contract is executed prior to the injury or damage occurring.

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

The Transfer Of Rights Of Recovery Against Others To Us condition does not apply to the person(s) or organization(s) shown in the Schedule, but only to the extent that subrogation is waived prior to the "accident" or the "loss" under a contract with that person or organization.

GL-U-2008 (08-20)

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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

AMENDMENT — NOTICE TO OTHERS OF

CANCELLATION

Name of Insured: Spencer Construction, LLC

Policy Number: 175000059

Endorsement Number: GL-U-2008 (08-20)

Effective Date of Endorsement: 03/01/2025

Name of Insurer: NORTH POINTE INSURANCE COMPANY

All Coverage Parts and Coverage Forms included in this policy are subject to the following:

SCHEDULE

Name and Address of Person or Organization

Number of Days Notice

Per Schedule on File with the First Named Insured. 30 7225 N Mona Lisa Rd.

Ste. 202 Tucson, AZ 85741

The following is added to the policy:

A. If we cancel the policy by notice to the first Named Insured, for any reason other than nonpayment of premium, we will mail or deliver a copy of such written notice of cancellation to the person(s) or organization(s) shown in the SCHEDULE above.

B. Any copy of notice per paragraph A. above will be mailed or delivered:

1. To the address corresponding to each person or organization indicated in the SCHEDULE above; and

Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 2 of 2

2. At least the number of days set forth in the SCHEDULE prior to the cancellation date applicable to the policy, as advised in our notice to the first Named Insured.

C. If notice per paragraph A. is mailed, proof of mailing will be sufficient proof of notice.

D. Written notices mailed or delivered by us pursuant to the terms of this endorsement are intended only to be an advance notification to the person(s) or organization(s) named in the SCHEDULE of this endorsement in the event of a pending cancellation and shall not operate or be deemed to benefit, directly or indirectly, any person or organization not named in the SCHEDULE above.

All other terms and conditions of the policy remain unchanged.

POLICY NUMBER: 175000059 COMMERCIAL GENERAL LIABILITY

CG 20 28 12 19

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 20 28 12 19 © Insurance Services Office, Inc., 2018 Page 1 of 1

ADDITIONAL INSURED – LESSOR OF

LEASED EQUIPMENT

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name Of Additional Insured Person(s) Or Organization(s):

Any person or organization you are required under a written contract or agreement in effect prior to loss or damage to add as an additional insured to this policy.

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

A. Section II – Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but 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 organization(s).

However:

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

2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured.

B. With respect to the insurance afforded to these additional insureds, this insurance does not apply to any "occurrence" which takes place after the equipment lease expires.

C. 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:

1. Required by the contract or agreement; or

2. Available under the applicable limits of insurance;

whichever is less.

This endorsement shall not increase the applicable limits of insurance.

GL-U-2048 (08-21)

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DESIGNATED PROJECT(S) AGGREGATE LIMIT

WITH AGGREGATE CAP ON POLICY LIMITS

Name of Insured: Spencer Construction, LLC

Policy Number: 175000059

Endorsement Number: GL-U-2048 (08-21)

Effective Date of Endorsement: 03/01/2025

Name of Insurer: NORTH POINTE INSURANCE COMPANY

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE FORM (OCCURRENCE VERSION)

SCHEDULE

Designated Project(s): All projects for which the first named insured has a written, executed contract to perform work.

Designated Project Aggregate Limit: $2,000,000

Personal And Advertising Injury Aggregate Limit: $1,000,000

General Aggregate Limit: $20,000,000

A. For purposes of this endorsement only, the General Aggregate Limit shown on the Declarations is replaced by the General Aggregate Limit shown in the SCHEDULE of this endorsement

B. Subject to the General Aggregate Limit shown in the SCHEDULE of this endorsement and described in Paragraph D. below, for all sums which the insured becomes legally obligated to pay as damages caused by "occurrences" under Section I – Coverage A, and for all medical expenses caused by accidents under Section I – Coverage C, which can be attributed only to operations at a single “designated project" shown in the SCHEDULE of this endorsement:

1. A separate Designated Project Aggregate Limit, shown in the SCHEDULE of this endorsement, applies to each “designated project".

GL-U-2048 (08-21)

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2. The Designated Project Aggregate Limit is the most we will pay for the sum of all damages under Coverage A, except damages because of "bodily injury" or "property damage" included in the "products-completed operations hazard", and for medical expenses under Coverage C regardless of the number of:

a. Insureds;

b. Claims made or "suits" brought; or

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

3. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the Designated Project Aggregate Limit shown in the SCHEDULE of this endorsement for that "designated project" and shall be subject to the General Aggregate Limit shown in the SCHEDULE of this endorsement and described in Paragraph D. below. However, subject to the General Aggregate Limit shown in the SCHEDULE of this endorsement, such payments will not reduce any other Designated Project Aggregate Limit shown in the SCHEDULE of this endorsement for any other "designated project".

4. Subject to Paragraph D. below, the limits shown in the Declarations for Each Occurrence, Damage To Premises Rented To You and Medical Expense continue to apply and will be subject to the applicable Designated Project Aggregate Limit.

C. For all sums which the insured becomes legally obligated to pay as damages caused by "occurrences" under Section I – Coverage A, and for all medical expenses caused by accidents under Section I – Coverage C, which cannot be attributed only to operations at a single "designated project" shown in the SCHEDULE of this endorsement:

1. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the amount available under the General Aggregate Limit shown in the SCHEDULE of this endorsement or the Products-Completed Operations Aggregate Limit shown on the Declarations, whichever is applicable;

and

2. Such payments shall not reduce any Designated Project Aggregate Limit.

D. The General Aggregate Limit shown in the SCHEDULE of this endorsement is the most we will pay for all sums which the insured becomes legally obligated to pay as damages caused by "occurrences" under Section I – Coverage A, and for all medical expenses caused by accidents under Section I – Coverage C, which can be attributed only to operations at a single "designated project" shown in the SCHEDULE of this endorsement and subject to a separate Designated Project Aggregate Limit shown in the SCHEDULE of this endorsement.

E. When coverage for liability arising out of the "products-completed operations hazard" is provided, any payments for damages because of "bodily injury" or "property damage" included in the "products-completed operations hazard" will reduce the Products-Completed Operations Aggregate Limit shown on the Declarations, and not reduce the General Aggregate Limit nor the Designated Project Aggregate Limit shown in the SCHEDULE of this endorsement.

F. SECTION III – LIMITS OF INSURANCE, Paragraph 4. is replaced by the following:

4. Subject to the Personal And Advertising Injury Aggregate Limit shown in the SCHEDULE of this endorsement, the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all "personal and advertising injury" sustained by any one person or organization.

G. SECTION III – LIMITS OF INSURANCE is amended by the addition of the following:

Subject to the General Aggregate Limit shown in the SCHEDULE of this endorsement, the Personal And Advertising Injury Aggregate Limit shown in the SCHEDULE of this endorsement is the most we will pay under Coverage B for the sum of all damages because of all "personal and advertising injury" sustained.

H. If an applicable "designated project" has been abandoned, delayed, or abandoned and then restarted, or if the authorized contracting parties deviate from plans, blueprints, designs, specifications or timetables, the project will still be deemed to be the same "designated project".

I. The provisions of Section III – Limits Of Insurance not otherwise modified by this endorsement shall continue to apply as stipulated.

GL-U-2048 (08-21)

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J. For the purposes of this endorsement, SECTION V – DEFINITIONS is amended by the addition of the following:

"Designated project" means the project(s) described in the SCHEDULE of this endorsement, including operations on and off the project site or location that are necessary or incidental to the project as described in contract documents. "Designated project" includes the work site(s) associated with such project and any offsite staging areas, as long as they are dedicated solely to the project. Also included are those areas immediately adjacent to the project, including boundaries of local streets or public easement.

All other terms and conditions of this policy remain unchanged.

Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 2

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

AMENDMENT — NOTICE TO OTHERS OF

CANCELLATION

Name of Insured: Spencer Construction, LLC

Policy Number: 195000059

Endorsement Number: GL-U-2008 (08-20)

Effective Date of Endorsement: 03/01/2025

Name of Insurer: QBE INSURANCE CORPORATION

All Coverage Parts and Coverage Forms included in this policy are subject to the following:

SCHEDULE

Name and Address of Person or Organization

Number of Days Notice

Per Schedule on File with the First Named Insured 30

The following is added to the policy:

A. If we cancel the policy by notice to the first Named Insured, for any reason other than nonpayment of premium, we will mail or deliver a copy of such written notice of cancellation to the person(s) or organization(s) shown in the SCHEDULE above.

B. Any copy of notice per paragraph A. above will be mailed or delivered:

1. To the address corresponding to each person or organization indicated in the SCHEDULE above; and

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2. At least the number of days set forth in the SCHEDULE prior to the cancellation date applicable to the policy, as advised in our notice to the first Named Insured.

C. If notice per paragraph A. is mailed, proof of mailing will be sufficient proof of notice.

D. Written notices mailed or delivered by us pursuant to the terms of this endorsement are intended only to be an advance notification to the person(s) or organization(s) named in the SCHEDULE of this endorsement in the event of a pending cancellation and shall not operate or be deemed to benefit, directly or indirectly, any person or organization not named in the SCHEDULE above.

All other terms and conditions of the policy remain unchanged.

UM-CU-2001 (08-20)

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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

AMENDMENT – OTHER INSURANCE –

PRIMARY AND NONCONTRIBUTORY

Name of Insured: Spencer Construction, LLC

Policy Number: 195000059

Endorsement Number: UM-CU-2001 (08-20)

Effective Date of Endorsement: 03/01/2025

Name of Insurer: QBE INSURANCE CORPORATION

This endorsement modifies insurance provided under the following:

COMMERCIAL LIABILITY UMBRELLA COVERAGE FORM

A. Solely as respects any person(s) or organization(s) that qualify as an additional insured under SECTION II – WHO IS AN INSURED, Paragraph 3., SECTION IV – CONDITIONS, Paragraph 5. Other Insurance is amended by the addition of the following:

Notwithstanding Paragraphs a. and b. above, this insurance is primary and will not seek contribution from any other insurance available to such person(s) or organization(s) under your policy provided that:

(1) Such person(s) or organization(s) is a Named Insured under such other insurance; and

(2) You have agreed in writing in a contract or agreement (entered into prior to any “occurrence”, offense, claim or “suit”) that this insurance would be primary and would not seek contribution from any other insurance available to such person(s) or organization(s) provided that the limit of insurance required in such written contract or agreement exceeds the applicable limits of the “underlying insurance”.

The limit of insurance afforded to such person(s) or organization(s) under this policy shall be the lessor of:

(a) The Limits of Insurance shown in the Declarations of this policy; or

(b) The limit of insurance required in the written contract or agreement.

B. In no event shall the coverage afforded by this endorsement increase the Limits of Insurance shown in the Declarations of this policy or any “underlying insurance”.

All other terms and conditions of this policy remain unchanged.

POLICY NUMBER: 195000059 COMMERCIAL LIABILITY UMBRELLA

CU 24 03 12 20

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CU 24 03 12 20 © Insurance Services Office, Inc., 2020 Page 1 of 1

WAIVER OF TRANSFER OF RIGHTS OF RECOVERY

AGAINST OTHERS TO US (WAIVER OF SUBROGATION)

This endorsement modifies insurance provided under the following:

COMMERCIAL LIABILITY UMBRELLA COVERAGE PART

SCHEDULE

Name Of Person(s) Or Organization(s): Any person or organization for whom you perform work under a written contract if the contract requires you to obtain this agreement from us, but only if the contract is executed prior to the injury or damage occurring.

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

The following is added to Paragraph 9. Transfer Of Rights Of Recovery Against Others To Us of Section IV – Conditions:

We waive any right of recovery against the person(s) or organization(s) shown in the Schedule above because of payments we make under this Coverage Part. Such waiver by us applies only to the extent that the insured has waived its right of recovery against such person(s) or organization(s) prior to loss. This endorsement applies only to the person(s) or organization(s) shown in the Schedule above.

Copyright, American Association of Insurance Services, Inc., 2012

LOSS PAYABLE SCHEDULE

(The entries required to complete this schedule will be shown below or on the "schedule of coverages".)

Indicate applicable provision:

Loss Payable

Lender's Loss Payable

Contract of Sale

We will pay any and all loss payees according to written contracts as their interests may appear

IM 7902 01 12

SCHEDULE

Location Number

Covered Property

Name and Address of Loss PayeeAddress

POLICY NUMBER

MKLM5IM0056693

AAIS

IM 7902 01 12