COI_7.7.2026.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

6/23/2025

Arthur J. Gallagher Risk Management Services, LLC 285 Delaware Avenue, Suite 4000 Buffalo NY 14202

Client Service Team 800-716-8314 855-595-4605

GGB.BU2.CL.Srv@ajg.com

Columbia Casualty Company 31127 WORLD-7 Allied World National Assurance Company 10690

Worldwide Travel Staffing, Limited 2829 Sheridan Drive Tonawanda NY 14150

Zurich American Insurance Company 16535

797963966

A X 1,000,000 X 50,000

X Contractual Lia 5,000 X Oral/Written 1,000,000

3,000,000 X X

Y Y HMA7092527524 7/7/2025 7/7/2026

3,000,000

A 1,000,000

X X

Y Y HMA7092527524 7/7/2025 7/7/2026

A B

X X 5,000,000 X

Y HMC7092527538

0314-3248

7/7/2025 7/7/2025

Y 7/7/2026 7/7/2026

5,000,000 X 10,000 Excess over Umbrella $5Mil/$5Mil Ag

C X

N

Y WC 1126157 - 04 1/1/2025 1/1/2026

1,000,000

1,000,000

1,000,000 A Professional Liability

Claims Made Retro 7/7/05

Y HMA7092527524 7/7/2025 7/7/2026 Each Acc Aggregate

1,000,000 3,000,000

NO WORKERS COMP COVERAGE IN OHIO, NORTH DAKOTA, WASHINGTON, WYOMING.

Sexual Misconduct and Assault is included under the Package General Liability/Professional Liability at $2,000,000.

The Umbrella Liability policy includes the following above coverages as underlying policies: General Liability, Professional, and Automobile.

Re: Contract Number Contract ID: CTR076899. Division Name: ADES.

The State of Arizona, and its departments, agencies, boards, commissions, universities, officers, officials, agents, and employees are included as additional insured on a primary non-contributory basis under the General Liability which includes Auto Liability, if required by written contract. Waiver of subrogation applies in favor of State of Arizona, and its departments, agencies, boards, commissions, universities, officers, officials, agents, and employees under the General Liability which includes Auto Liability, and workers compensation if required by written contract. 30 day notice of cancellation applies except 10 days See Attached...

The State of Arizona and Dept of Economic Security C/O: my COI P.O. Box# 501970, 8710 Bash Street Indianapolis IN 46256

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:

WORLD-7

1 1

Arthur J. Gallagher Risk Management Services, LLC Worldwide Travel Staffing, Limited 2829 Sheridan Drive Tonawanda NY 14150

25 CERTIFICATE OF LIABILITY INSURANCE

for non-payment under the if required by written contract. Sexual abuse and molestation is included in the general liability coverage - sub limit of $500,000.

Umbrella limits extend to the Professional Liability coverage.

General Liability (Includes Auto) Additional Insured, State of Arizona CNA98679XX (05-2023) General Liability (Includes Auto) Occ Form - Primary & Noncontributory - CNA98662XXC (03-2023) General Liability (Includes Auto) Waiver of Subrogation as Additional Insured, State of Arizona CNA98693XX (10-2020) CNA98685XX - Auto Declaration portion of GL WC - WOS State of Arizona (WC 03 13) NYS C105.2 (9-17) Included

CNA

Healthcare Facilities and Providers Plus ®

Coverage Part Endorsement

II HIRED AND NON-OWNED AUTO LIABILITY ENDORSEMENT

In consideration of the premium, the General Liability Coverage Part of the policy is amended as follows:

SCHEDULE

Coverage Limit of Liability

Hired Auto Liability $1,000,000

Non-Owned Auto Liability $1,000,000

All Limits of Liability, and Deductibles if applicable, above apply to: □

[x]

I. Section I, Insuring Agreements, is amended by adding the following:

D. Hired Auto and Non-Owned Auto Liability Coverage

We will pay on behalf of an insured:

(i) damages up to the applicable Limit of Liability; or

Deductible

$50,000

$50,000 damages only or defense costs and damages.

(ii) defense costs and/or damages up to the applicable Limit of Liability, (whichever is indicated in the Schedule), as a result of a claim for bodily injury or property damage provided that:

(a) the bodily injury or property damage is caused by an occurrence arising out of a covered non-owned auto or hired auto;

(b) the bodily injury or property damage occurs during the policy period; and

(c) prior to the effective date of the policy period no authorized insured knew the bodily injury or property damage had occurred in whole or in part.

In the event any authorized insured knew, prior to the policy period, that any bodily injury or property damage had occurred, then any continuation, change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period.

An authorized insured will be deemed to know that such bodily injury or property damage occurred at the earliest time when any authorized insured:

1 . reports all, or any part, of such bodily injury or property damage to us or to any other insurer;

2. becomes aware by any other means that such bodily injury or property damage has occurred or has begun to occur; or

3. knew or should have known of a claim or occurrence that may give rise to a claim.

If damages are indicated in (i), we will also pay defense costs in connection with a covered claim in D above. Such defense costs are in addition to the applicable Limit of Liability.

If defense costs and/or damages are indicated in (ii), defense costs are part of, and not in addition to, the applicable Limit of Liability in connection with a covered claim in D above.

II. Solely with respect to coverage afforded by this endorsement, Section II, Definitions is amended as follows:

Form No: CNA98685XX (06-2021)

Endorsement Effective Date: Endorsement Expiration Date:

Endorsement No: 12; Page: 1 of 5

Underwriting Company: Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

© Copyright CNA All Rights Reserved.

Policy No: HMA 7092527524

Policy Page: 77 of 167

Coverage Part Endorsement

A. The following definitions are added:

Hired auto means autos the insured entity leases, hires, rents or borrows which are used in connection with such insured entity's business. Hired auto does not include:

(i) any auto the insured entity leases, hires, rents or borrows from any of the insured entity's employees, executive officers or any other insured or members of such insureds' households: or;

(ii) any auto the insured entity leases, hires or rents under a lease or rental agreement for a period of one hundred and eighty ( 180) days or more.

Non-owned auto means autos the insured entity does not own, lease, hire, rent or borrow that are being used in the course and scope of the insured entity's business at the time of the occurrence;

including such autos owned by the insured entity's employees, partners (if the insured entity is a partnership), members (if the insured entity is a limited liability company), executives or any other insured, or members of such insureds' households.

B. The definition of insured contract is amended by adding the following:

Insured contract also means that part of any contract or agreement entered into, as part of the insured entity's business, pertaining to the rental or lease, by the insured entity or any of the insured entity's employees, of any auto. However, such contract or agreement shall not be considered an insured contract to the extent that it obligates the insured entity or any of the insured entity's employees to pay for property damage to any auto rented or leased by the insured entity or any of the insured entity's employees.

Ill. Solely with respect to coverage afforded by this endorsement, the definition of insured is amended as follows:

Insured means:

(i) the insured entity for any covered auto.

(ii) any natural person while using with the insured entity's permission a covered auto while performing duties related to the conduct of the insured entity's business, excluding:

(a) the owner or anyone else from whom the insured entity hires or borrows a covered auto;

(b) the insured entity's employee if the covered auto is owned by that employee or a member of his or her household;

(c) someone else using a covered auto while he or she is working in a business of selling, servicing, repairing, parking or storing autos unless that business is the insured entity's;

(d) anyone other than the insured entity's employees, partners (if the insured entity is a partnership), members (if the insured entity is a limited liability company), or a lessee or borrower of any of their employees while moving property to or from a covered auto;

(e) a partner (if the insured entity is a partnership), or a member (if the insured entity is a limited liability company) for a covered auto owned by him or her or a member of his or her household.

(iii) anyone liable for the conduct of an insured designated above, but only to the extent of that liability.

Except as described in paragraphs (i), (ii) and (iii) above, no other person or entity is an insured for liability resulting from use of a non-owned auto or hired auto whether or not that person or organization is an insured for any other bodily injury or property damage covered by this policy.

No additional insured added by endorsement attached to this policy on or after its inception is an insured for liability resulting from use of a non-owned auto or hired auto, unless the endorsement specifically states that it applies to such liability.

Form No: CNA98685XX (06-2021)

Endorsement Effective Date: Endorsement Expiration Date:

Endorsement No: 12; Page: 2 of 5 Underwriting Company: Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

© Copyright CNA All Rights Reserved.

Policy Page: 78 of 167

Coverage Part Endorsement

IV. Solely with respect to the coverage afforded by this endorsement, Section Ill, Coverage Part Exclusions, paragraph B, Exclusions Applicable Only to Bodily Injury and Property Damage Liability Coverage, is amended as follows:

A. Exclusion (i) Aircraft, Helipad Auto or Watercraft is amended by adding the following:

This exclusion does not apply to bodily injury or property damage resulting from the use of a non-owned auto or hired auto but only to the extent coverage is afforded by the coverage extension herein.

B. The following exclusions are deleted and replaced with the following:

CONTRACTUAL LIABILITY

for which actual or alleged liability has been assumed under any contract or agreement. Provided, this exclusion does not apply to liability for damages:

(a) assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the insured contract; or

(b) that the insured would have in the absence of the contract or agreement;

DAMAGE TO PROPERTY THE INSURED ENTITY OWNS OR IN ITS CARE, CUSTODY OR CONTROL

actual or alleged liability property damage to property owned or transported by the insured, or in the insured's care, custody or control; provided this exclusion does not apply to liability assumed under a sidetrack agreement;

C. In addition the following is added to the Pollution Exclusion:

POLLUTION

bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants:

(i) that are, or that are contained in any property that is:

(a) being transported or towed by, handled or handled for movement into, onto or from the covered auto;

(b) otherwise in the course of transit by or on behalf of the insured; or

(c) being stored, disposed of, treated or processed in or upon the covered auto;

(i) before the pollutants or any property in which the pollutants are contained are moved from the place where they are accepted by the insured for movement into or onto the covered auto; or

(ii) after the pollutants or any property in which the pollutants are contained are moved from the covered auto to the place where they are finally delivered, disposed of or abandoned by the insured.

Paragraph (i) above does not apply to fuels, lubricants, fluids, exhaust gases or other similar pollutants that are needed for or result from the normal electrical, hydraulic or mechanical functioning of the covered auto or its parts, if:

(a) the pollutants escape, seep, migrate or are discharged, dispersed or released directly from an auto part designed by its manufacturer to hold, store, receive or dispose of such pollutants; and

(bl the bodily injury or property damage does not arise out of the operation of any equipment listed in

Paragraphs (vi)(a) and (vi)(b) of the definition of mobile equipment.

Paragraphs (ii) and (iii) above of this exclusion do not apply to accidents that occur away from premises owned by or rented to an insured with respect to pollutants not in or upon a covered auto if:

Form No: CNA98685XX (06-2021)

Endorsement Effective Date: Endorsement Expiration Date:

Endorsement No: 12; Page: 3 of 5

Underwriting Company: Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

© Copyright CNA All Rights Reserved.

Policy Page: 79 of 167

Coverage Part Endorsement

(a) the pollutants or any property in which the pollutants are contained are upset, overturned or damaged as a result of the maintenance or use of a covered auto; and

(a) the discharge, dispersal, seepage, migration, release or escape of the pollutants is caused directly by such upset, overturn or damage.

D. In addition the following Exclusions are added:

This Coverage Part does not apply to any claim, damages, defense costs, expenses, fees or loss:

FELLOW EMPLOYEE

for bodily injury to any fellow employee (or the domestic partner, spouse, child, parent sibling of the fellow employee) arising out of and in the course of the fellow employee's employment or while performing duties related to the conduct of the insured entity's business;

RACING

based on or arising out of any autos while used in any actual or alleged professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity.

PUBLIC OR LIVERY PASSENGER CONVEYANCE AND ON-DEMAND DELIVERY SERVICES

based on or arising out of any covered auto while actually or allegedly being used:

(a) as a public or livery conveyance for passengers. Including, but is not limited to, any period of time a covered auto is being used by an insured who is logged into a transportation network platform as a driver, whether or not a passenger is occupying the covered auto; or

(b) by an insured who is logged into a transportation network platform or delivery network platform as a driver to provide delivery services, whether or not the goods, items or products to be delivered are in the covered auto.

V. Section V, Specific Coverage Part Limits Of Liability, Related Claims and Retentions is amended as follows:

A. The following is added to Paragraph A, Bodily Injury and Property Damage Liability - Each Occurrence

Limit:

Any coverage afforded for bodily injury or property damage caused by an occurrence arising out of a covered non-owned auto or hired auto shall not erode the Bodily Injury and Property Damage Liability -

Each Occurrence Limit.

B. The following sections are added after Paragraph G:

• Hired Auto and Non-Owned Auto Liability Coverage Limit

The Hired Auto Limit of Liability and the Non-Owned Auto Limit of Liability are the most we will pay for damages or defense costs and/or damages (whichever is indicated in the Schedule above) for bodily injury and property damage caused by an occurrence arising out of a covered non-owned auto or hired auto. The Hired Auto Limit of Liability and the Non-Owned Auto Limit of Liability are each separate and in addition to the Bodily Injury and Property Damage Liability Limit, but will erode the General Liability Aggregate Limit of Liability, if applicable.

• Hired Auto and Non-Owned Auto Deductible

If shown in the Schedule, the Hired Auto Limit of Liability and the Non-Owned Auto Limit of Liability are each subject to a separate deductible for damages or defense costs and/or damages whichever is indicated in the Schedule above. We will only pay amounts up to the Limit of Liability in excess of such deductible, if set forth in the Schedule.

VI. The first paragraph of Section XVIII, Other Insurance or Risk Transfer Arrangements of the General Terms and Conditions is deleted and replaced with the following:

Form No: CNA98685XX (06-2021)

Endorsement Effective Date: Endorsement Expiration Date:

Endorsement No: 12; Page: 4 of 5

Underwriting Company: Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

© Copyright CNA All Rights Reserved.

Policy Page: 80 of 167

Coverage Part Endorsement

Any claim covered under any other insurance policy or risk transfer instrument, including, but not limited to, self-insured retentions, deductibles or other alternative arrangements, will be paid first by those instruments, policies or other arrangements. It is the intent of this policy to apply only to damages or defense costs as applicable that are in excess of the total limit of all deductibles, retentions, limits of insurance, self-insured amounts or other valid and collectible insurance or risk transfer arrangements, whether primary, contributory, excess, contingent, or otherwise. In no event will we pay more than our

Limit of Liability. These provisions do not apply to other insurance policies or risk transfer arrangements written as specific excess insurance of this policy's Limits of Liability.

All other terms and conditions of the policy remain unchanged.

This endorsement, which forms a part of and is for attachment to the policy issued by the designated Insurers, takes effect on the Policy Effective Date of said policy at the hour stated in said policy, unless another effective date (the Endorsement Effective Date) is shown below, and expires concurrently with said policy unless another expiration date is shown below.

Form No: CNA98685XX (06-2021)

Endorsement Effective Date: Endorsement Expiration Date:

Endorsement No: 12; Page: 5 of 5

Underwriting Company: Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

© Copyright CNA All Rights Reserved.

Policy Page: 81 of 167

Policy Endorsement

ADDITIONAL INSURED ENDORSEMENT

Scheduled Additional Insured

In consideration of the premium, the policy is amended as follows.

ADDITIONAL INSURED SCHEDULE

Name of Additional Insured (Person or Entity)

Professional Liability Coverage Part (If applicable, will be indicated by an “X” below)

General Liability Coverage Part (If applicable, will be indicated by an “X” below)

The State of Arizona,and its departments agencies, boards, commissions, universities, officers, officials, agents and employees

X

I.

A.

The definition of additional insured, set forth in Section II, Definitions, of the applicable Coverage Part, is deleted and replaced with the following:

If the General Liability Coverage Part is indicated by an “X” in the corresponding designated column in the Schedule above, then solely with respect to the General Liability Coverage Part, additional insured means the person or entity shown in the Additional Insured Schedule above, provided however:

1. such person or entity is an additional insured solely for the vicarious liability imposed upon such person or entity because of bodily injury or property damage arising out of an occurrence, or an offense causing personal and advertising injury, and there will be no coverage available for any actual or alleged bodily injury, property damage, or offense causing personal and advertising injury arising out of the acts or omissions of any additional insured;

2.

(a) if coverage for such additional insured is required by written contract, agreement or permit, coverage will apply:

only if such written contract, agreement or permit was executed prior to the bodily injury, property damage or offense causing personal and advertising injury giving rise to the claim;

(b)

(c) to the extent required by such written contract, agreement or permit, not to exceed the applicable Limits of Liability of this policy; and solely to the extent and no broader than that required by written contract, agreement or permit.

B. If the Professional Liability Coverage Part is indicated by an “X” in the corresponding designated column in the Schedule above, solely with respect to the Professional Liability Coverage Part, additional insured also means the person or entity shown in the Additional Insured Schedule above, provided, however:

1. such person or entity is an additional insured solely for the vicarious liability imposed upon such person or entity because of an insured’s professional services wrongful acts, and there will be no coverage for damages arising out of the professional services of such additional insured;

2. if coverage for such additional insured is required pursuant to written contract, agreement or permit, then coverage will apply:

(a) only if such written contract, agreement or permit was executed prior to the professional services wrongful act giving rise to the claim;

(b)

(c) to the extent required by such written contract, agreement or permit, not to exceed the Limit of Liability of this policy; and solely to the extent and no broader than that required by written contract, agreement or permit.

Endorsement No: 20; Page: 1 of 2 Underwriting Company: Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

Form No: CNA98679XX (05-2023)

Endorsement Effective Date:

Policy No: HMA 7092527524 Policy Page: 113 of 181Endorsement Expiration Date:

© Copyright CNA All Rights Reserved.

II. The following is added to Section XIX. Cancellation Or Non-Renewal of the General Terms and Conditions:

In the event that we cancel this policy before its expiration date for reason other than non-payment of premium, we will provide a courtesy notice of such cancellation to the additional insured listed on the Additional Insured Schedule above. Such notice shall be provided in accordance with the time frame required for notice to the named insured as set forth in the Cancellation/Nonrenewal endorsement to the Policy.

However, any failure by us to provide such notice of cancellation to the additional insured will not extend the policy cancellation date or negate cancellation of the policy, or be cause for legal action against us.

If we non-renew this policy, we will provide a courtesy notice of non-renewal of the policy to the additional insured listed on the Additional Insured Schedule above. Such notice shall be provided in accordance with the time frame required for notice of non-renewal to the named insured as set forth in the Cancellation/Nonrenewal Endorsement to the policy.

Any failure by us to provide such notice of cancellation or non-renewal to the additional insured as set forth above will not affect the non-renewal of the policy, and it will not extend the policy cancellation date or negate cancellation of the policy, or be cause for legal action against us.

Any coverage afforded to any additional insured pursuant to this endorsement shall be subject to all other terms and conditions of this policy. In no event does the inclusion of any person or entity as an additional insured operate to broaden the scope of coverage provided under the policy or increase the limits of liability stated on the Policy Declarations and provided under this policy.

All other terms and conditions of the policy remain unchanged.

This endorsement, which forms a part of and is for attachment to the policy issued by the designated Insurers, takes effect on the Policy Effective Date of said policy at the hour stated in said policy, unless another effective date (the Endorsement Effective Date) is shown below, and expires concurrently with said policy unless another expiration date is shown below.

Endorsement No: 20; Page: 2 of 2 Underwriting Company: Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

Form No: CNA98679XX (05-2023)

Endorsement Effective Date:

Policy No: HMA 7092527524 Policy Page: 114 of 181Endorsement Expiration Date:

Coverage Part

GENERAL LIABILITY COVERAGE PART - OCCURRENCE

I.

A.

(i)

B.

C.

INSURING AGREEMENTS

Bodily Injury and Property Damage Liability Coverage

We will pay on behalf of an insured, damages up to the applicable Limit of Liability as a result of a claim for bodily injury or property damage provided that:

the bodily injury or property damage is caused by an occurrence;

(ii) the bodily injury or property damage occurs during the policy period; and

(iii) prior to the effective date of the policy period no authorized insured knew the bodily injury or property damage had occurred in whole or in part.

In the event any authorized insured knew, prior to the policy period, that any bodily injury or property damage had occurred, then any continuation, change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period.

An authorized insured will be deemed to know that such bodily injury or property damage occurred at the earliest time when any authorized insured:

(a) reports all, or any part, of such bodily injury or property damage to us or to any other insurer;

(b) becomes aware by any other means that such bodily injury or property damage has occurred or has begun to occur; or

(c) knew or should have known of a claim or an occurrence that may give rise to a claim.

Personal and Advertising Injury Liability Coverage

We will pay on behalf of an insured, damages up to the applicable Limit of Liability Limit as a result of a claim for personal and advertising injury provided that:

(i) the personal and advertising injury is caused by an offense arising out of an insured entity business;

and

(ii) the offense was first committed during the policy period.

An offense will be deemed first committed on the date of the first utterance or dissemination; or if there is no dissemination or utterance, on the first date of the activity giving rise to a claim.

We will pay defense costs in connection with a covered claim in A or B above. Such defense costs are in addition to the applicable Limit of Liability.

Medical Payments Coverage

Regardless of fault, we will pay medical expenses up to the applicable limit, for bodily injury caused by an accident provided that the accident occurs during the policy period and takes place:

(i) on premises that an insured entity owns or rents;

(ii) on ways next to premises that an insured entity owns or rents; or

(iii) as a result of an insured entity’s business operations.

Provided the injured person must submit to examination(s), at our expense, by physicians or other applicable professional health care providers of our choice as often as we reasonably require.

Form No: Policy No:

Underwriting Company:

HMA 7092527524

Coverage Part Page: 1 of 17

Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

CNA98662XXC (03-2023)

Policy Page: 59 of 181

II. DEFINITIONS

Any defined word not defined in this Coverage Part will have the meaning assigned to it in the General Terms and Conditions.

Accident means a sudden and unintended event that causes bodily injury to a third party regardless of fault.

Additional insured means any person or entity to whom, or to which, an insured entity is obligated by a written contract, agreement or permit:

(i) to add to this policy as an additional insured for its liability; or

(ii) to hold harmless or indemnify such person or entity, provided such person or entity is an insured solely for bodily injury or property damage arising out of an occurrence, or personal and advertising injury arising out of an offense, for which such person or entity is vicariously liable because of acts or omissions committed by the insured and only to the extent of the limits of insurance required by such contract, agreement or permit, not to exceed the Limits of Liability of this policy. Provided such written contract, agreement or permit was executed prior to the bodily injury, property damage or offense giving rise to the claim.

There will be no coverage available for any actual or alleged bodily injury, property damage, or personal and advertising injury arising out of the acts or omissions by any additional insured.

Employee means a person whose work is engaged and directed by an insured entity, including: any permanent, part-time, seasonal, leased or loaned workers, temporary workers, students, and volunteers. An employee will not include an independent contractor.

Executive officer means any natural person duly authorized director, officer, trustee or governor, or management committee member of an insured entity, acting in such capacity.

Fungi means any form of fungus, including but not limited to, yeast, mold, mildew, rust, smut or mushroom, and including any spores, mycotoxins, odors, or any other substances, products, or byproducts produced by, released by, or arising out of the current or past presence of fungi. Fungi will not include any fungi intended by an insured for human consumption.

Impaired property means tangible property, other than insured product or insured work, that cannot be used or is less useful because:

(i) it incorporates insured product or insured work that is known, or thought, to be defective, deficient, inadequate or dangerous; or

(ii) the insured entity has failed to fulfill the terms of a contract or agreement, if such property can be restored to use by the repair, replacement, adjustment or removal of insured product or insured work, or the insured entity’s fulfilling the terms of the contract or agreement.

Insured contract means:

(i) a contract for a lease of premises, provided that portion of the contract for a lease of premises that indemnifies any person or entity for damage by fire to premises while rented to the insured entity or temporarily occupied by the insured entity with permission of the owner is not an insured contract;

(ii) a sidetrack agreement;

Form No: Policy No:

Underwriting Company:

HMA 7092527524

Coverage Part Page: 2 of 17

Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

CNA98662XXC (03-2023)

Policy Page: 60 of 181

(iii) any easement or license agreement, except in connection with construction or demolition operations on or within fifty (50) feet of a railroad;

(iv) an obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality;

(v) an elevator maintenance agreement; or

(vi) that part of any other contract or agreement pertaining to the insured entity’s business (including an indemnification of a municipality in connection with work performed for a municipality) under which the insured entity assumes the tort liability of another party to pay for bodily injury or property damage to a third person or entity. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement.

Insured contract will not include that part of any contract or agreement:

(a) that indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations, within fifty (50) feet of any railroad property and affecting any railroad bridge or trestle, tracks, road-beds, tunnel, underpass or crossing;

(b) that indemnifies an architect, engineer or surveyor for bodily injury or property damage arising out of:

i. preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or

ii. giving directions or instructions, or failing to give them, if that is the primary cause of the injury or damage; or

(c) under which the insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the insured's rendering or failure to render professional services, including those listed in paragraph (b) above and supervisory, inspection, architectural or engineering activities.

Insured entity will also include an additional insured entity.

Insured person means:

(i) any natural person additional insured;

(ii) any executive officer but only with respect to the normal course of conduct of the insured entity’s business;

(iii) the insured entity’s stockholders, but only with respect to their liability as stockholders;

(iv) any employee, but only for acts within the scope of their employment by the insured entity or while performing duties related to the conduct of the insured entity’s business;

provided none of these employees is an insured person for:

(a) bodily injury or personal and advertising injury:

i. to an insured entity, to an executive officer, or to a co-employee while such injured person is either in the course of his/her/their employment or performing duties related to the conduct of the insured entity’s business;

ii. to the spouse, domestic partner, child, parent, brother or sister of such injured person as a

Form No: Policy No:

Underwriting Company:

HMA 7092527524

Coverage Part Page: 3 of 17

Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

CNA98662XXC (03-2023)

Policy Page: 61 of 181 consequence of paragraph i. above; or

iii. for which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in paragraphs i. or ii. above;

(b) property damage to property:

i. owned, occupied or used by;

ii. rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by, the insured entity, any of its employees or executive officers; or

(v) any person (other than an employee), or any entity while acting as the insured entity’s real estate manager.

Insured persons will not include independent contractors.

Insured product means any:

(i) goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by:

(a) the insured entity;

(b) others trading under the insured entity’s name; or

(c) a person or entity whose business or assets the insured entity has acquired;

(ii) containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products; or

(iii) warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of the insured product, and the providing of or failure to provide warnings or instructions.

Insured product will not include vending machines or other property rented to or located for the use of others but not sold.

Insured work means:

(i) work or operations performed by the insured entity or on the insured entity’s behalf; and/or

(ii) materials, parts or equipment furnished in connection with such work or operations as described in (i).

Insured work also includes warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of insured work and the providing of, or failure to provide, warnings or instructions.

Lead means the element lead in any form, including its use or presence in any alloy, compound, byproduct, or other material waste. Waste includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed.

Loading or unloading means the handling of property:

(i) after it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft, or auto;

Form No: Policy No:

Underwriting Company:

HMA 7092527524

Coverage Part Page: 4 of 17

Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

CNA98662XXC (03-2023)

Policy Page: 62 of 181

(ii) while it is in, or on, an aircraft, watercraft, or auto; or

(iii) while it is being moved from an aircraft, watercraft, or auto to the place where it is finally delivered.

Loading or unloading will not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or auto.

Medical expenses mean reasonable and necessary expenses of an injured person incurred as a result of an accident and reported to us within one year of the date of such accident for:

(i) first aid administered at the time of the accident;

(ii) medical, surgical, x-ray and dental services, (including prosthetic devices);

(iii) ambulance, hospital, professional nursing services; and

(iv) funeral services.

Microbes mean any non-fungal microorganism or non-fungal organism that causes infection or disease including: bacteria; viruses; protozoa; archaea; protein (e.g. prions), or any colony or group of the foregoing. Microbes include any spores, mycotoxins, odors, or any other substances, products, or by-products produced by, released by, or arising out of the current or past presence of microbes.

Nuclear facility means:

(i) any nuclear reactor;

(ii) any equipment or device designed, or used for:

(a) separating the isotopes of uranium or plutonium;

(b) processing or utilizing spent fuel; or

(c) handling, processing or packaging nuclear waste;

(iii) any equipment or device used for the processing, fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of any insured at the premises where such equipment is located consists of or contains more than:

(a) twenty-five (25) grams of plutonium or uranium 233 or any combination thereof; or

(b) two hundred and fifty (250) grams of uranium 235;

(iv) any structure, basin, excavation, premises, or place prepared or used for the storage or disposal of nuclear waste; or

(v) the site on which any of the above (i) - (iv) is located, all operations conducted on such site and all premises used for such operations.

Nuclear material means source material, special nuclear material, or by-product material (as defined in the Atomic Energy Act of 1954).

Nuclear reactor means an apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material.

Nuclear waste means waste material:

Form No: Policy No:

Underwriting Company:

HMA 7092527524

Coverage Part Page: 5 of 17

Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

CNA98662XXC (03-2023)

Policy Page: 63 of 181

(i) containing by-product material other than the tailings or waste produced by the extraction or concentration of uranium or thorium from ore processed primarily for its source material (as defined in the Atomic Energy Act of 1954) content; and

(ii) resulting from the operation by any person or entity, of a nuclear facility included within paragraphs (i) and (ii) of the definition of nuclear facility.

Products-completed operations hazard means bodily injury or property damage occurring away from premises the insured entity owns or rents and arising out of an insured product or insured work except:

(i) products that are still in the insured entity’s physical possession; or

(ii) work that has not yet been completed or abandoned.

For purposes of products-completed operations hazard, insured work will be deemed completed at the earliest of the following:

(a) when all of the work called for in the insured entity’s contract has been completed;

(b) when all of the work to be done at the job site has been completed if the insured entity’s contract calls for work at more than one job site; or

(c) when that part of the work done at a job site has been put to its intended use by any person or entity other than another contractor or subcontractor working on the same project.

Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be deemed completed.

Products-completed operations hazard will not include bodily injury or property damage arising out of the:

(a) transportation of property, unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by the insured entity, and that condition was created by the loading or unloading of that vehicle by any insured; or

(b) existence of tools, uninstalled equipment or abandoned or unused materials.

Radioactive properties mean any radioactive, toxic or explosive properties.

Related claim means with respect to:

(i) bodily injury or property damage coverage, all claims arising out of the same occurrence or related occurrences;

(ii) personal and advertising injury coverage, all claims arising out of the same offense or arising out of related offenses.

Related occurrences mean all occurrences giving rise to bodily injury or property damage that are based on, arising out of, or are logically or causally connected by the same, or any related or common, or a series of related or common facts, circumstances, transactions, situations, or events.

Related offenses mean all offenses giving rise to personal and advertising injury that are based on, arising out of, or are logically or causally connected by the same, or any related or common, or a series of related or common facts, circumstances, transactions, situations, or events.

Spent fuel means any fuel element or fuel component, solid or liquid, which has been used or exposed to

Form No: Policy No:

Underwriting Company:

HMA 7092527524

Coverage Part Page: 6 of 17

Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

CNA98662XXC (03-2023)

Policy Page: 64 of 181

III.

A.

(a)

(b) i.

ii.

radiation in a nuclear reactor.

COVERAGE PART EXCLUSIONS

Exclusions Applicable to Bodily Injury and Property Damage Liability Coverage and/or Personal and Advertising Injury Liability Coverage

This Coverage Part does not apply to any claim, damages, defense costs, expenses, fees or loss:

(i) FUNGI OR MICROBES EXCLUSION based on or arising out of:

any actual, alleged, or threatened contaminative, infectious, pathogenic, toxic or other hazardous properties of fungi or microbes by any means, including inhalation of, ingestion of, contact with, exposure to, existence of, transmission of or growth or presence of any fungi or microbes; or any actual or alleged property damage caused by water where there also exists any property damage arising out of or relating to, in whole or in part, the actual, alleged or threatened contaminative, infectious, pathogenic, toxic or other hazardous properties of fungi or microbes by any means, including inhalation of, ingestion of, contact with, exposure to, existence of, transmission of or growth or presence of any fungi or microbes; or

(c) any:

request, demand, or order that you or others undertake the testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating, or disposing of, or in any way responding to or assessing the effects of fungi or microbes by any insured or by anyone else; or any claim or other proceeding by or on behalf of a government authority or others for the testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, or neutralizing, or in any way responding to, or assessing, remediating, or disposing of, or in any way responding to or assessing the effects of any fungi or microbes.

This exclusion applies regardless of any other cause or event that contributes concurrently, or in any sequence, to such injury or damage, loss, cost or expense.

Provided this exclusion will not apply to any claim arising from fungi where the insured entity’s business includes food processing, sales, or serving, and the bodily injury is caused solely by food poisoning in connection with such processing, sales, or serving;

(ii) INSURED AGAINST INSURED with respect to any claim initiated, alleged, or caused to be brought by any insured covered by this policy against any other insured covered by this policy;

(iii) LEAD based on, or arising out of:

(a) any actual, alleged, or threatened contaminative, pathogenic, toxic, or other hazardous properties of lead; or

Form No: Policy No:

Underwriting Company:

HMA 7092527524

Coverage Part Page: 7 of 17

Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

CNA98662XXC (03-2023)

Policy Page: 65 of 181

B.

(i)

(b) any:

i. request, demand, or order that any insured test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to or assess the effect of lead; or

ii. claim or other proceeding by or on behalf of a government authority or others for the testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, or neutralizing, or in any way responding to or assessing the effects of lead;

(iv) NUCLEAR WASTE based on, arising out of, directly or indirectly resulting from, in any way involving or attributable to any claim, request, demand, order, or legal liability directly or indirectly caused by, involving, attributed to, or arising from:

(a) ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or

(b) the radioactive, toxic, explosive or other radioactive properties of any explosive nuclear assembly or nuclear component thereof;

(v) PROFESSIONAL SERVICES because of bodily injury, property damage or personal and advertising injury arising out of any actual or alleged act, error or omission with respect to professional services rendered by, or that should have been rendered by:

(a) an insured; or

(b) any person or entity:

i. for whose acts, errors or omissions an insured is legally responsible; or

ii. from whom an insured assumed liability by reason of a contract or agreement;

(vi) WAR because of bodily injury, property damage or personal and advertising injury based on, or arising out of, or in connection with war; provided this exclusion does not apply to damage by fire to premises while rented to the insured entity or temporarily occupied by the insured entity with permission of the owner.

Exclusions Applicable Only to Bodily Injury and Property Damage Liability Coverage

This Coverage Part does not apply to any claim, damages, defense costs, expenses, fees or loss:

AIRCRAFT, HELIPAD, AUTO OR WATERCRAFT

because of bodily injury or property damage based on, arising out of, or any way involving any actual or alleged ownership, maintenance, use (including operation and loading or unloading) or entrustment to others of any aircraft, helipad, auto or watercraft owned or operated by or rented or loaned to any insured.

This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by such insured, if the

Form No: Policy No:

Underwriting Company:

HMA 7092527524

Coverage Part Page: 8 of 17

Columbia Casualty Company, 151 N Franklin St, Chicago, IL 60606

CNA98662XXC (03-2023)

Policy Page: 66 of 181 i.

ii.

occurrence which caused the bodily injury or property damage involved the ownership, maintenance, use or entrustment to others of any aircraft, helipad, auto or watercraft that is owned or operated by or rented or loaned to any insured.

Provided this exclusion will not apply to:

(a) watercraft while ashore on premises the insured entity owns or rents;

(b) watercraft the insured entity does not own that is:

i. less than twenty-six (26) feet long; and

ii. not being used to carry persons or property for a charge;

(c) parking an auto on, or on the ways next to, premises the insured entity owns or rents, provided the auto is not owned by or rented or loaned to any insured;

(d) liability assumed under any insured contract for the ownership, maintenance or use of aircraft or watercraft;

(e) bodily injury or property…