COI 20230101- APPROVED ANY_ALL 01.01.22-01.01.23 .pdf

This document is a comprehensive insurance policy package issued by multiple insurance companies, including Allmerica Financial Benefit Insurance Company and XL Specialty Insurance Company, to Kittelson & Associates, Inc. effective January 1, 2022. The policy encompasses multiple coverage types including Workers' Compensation, Commercial General Liability, Business Auto, Professional Environmental and Network Security Liability, and includes endorsements for various states including Arizona, New York, Virginia, Texas, California, and others.

The insurance package provides broad coverage for Kittelson & Associates' professional consulting services, particularly in transportation planning and engineering. The policies cover bodily injury, property damage, professional liability, and other risks associated with the company's operations, with policy aggregate limits ranging from $5 million to $10 million depending on the specific coverage type. The policies include provisions for additional insured parties, blanket waivers of subrogation, and coverage for work performed across multiple states, with specific adjustments for state-level workers' compensation and liability requirements. The policies are claims-made and reported forms, requiring notification within specific timeframes and covering work performed during the policy period.