COI_Arizona_DOCS.pdf

This document is an ACORD Certificate of Liability Insurance dated 9/22/2025, issued by Podegracz Insurance Agency in Redondo Beach, CA, for Nightlight Christian Adoptions located in Santa Ana, CA. The certificate lists multiple insurers including Beazley, Syndicate of Lloyds (CFC), Hiscox, Guide One Insurance, and General Star Indemnity. The certificate holder is the Arizona Department of Child Safety in Phoenix, AZ.

The insurance coverage includes commercial general liability with policy limits of $1,000,000 per occurrence and $3,000,000 aggregate, automobile liability with coverage effective from 4/30/2025 to 4/30/2026, and umbrella/excess liability of $2,000,000. Additional coverages include cyber insurance with a $1,000,000 general aggregate and professional liability with $1,000,000 per occurrence. The policy also includes provisions for employee benefits, property damage, and workers compensation. Notably, the certificate indicates that the insurance includes third-party crime coverage and extends to various entities including universities, their officers, agents, and employees.