CTR076129_COI_10.9.25.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

6/30/2025

(480) 253-5951 (480) 730-4929

16691

EPI-HAB Phoenix, INC 2125 W Fillmore St Phoenix, AZ 85009

26832 40045

A 1,000,000

X X PAC463640602 10/9/2024 10/9/2025 100,000

5,000

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

ABUSE AND MOLES 1,000,000

1,000,000A

X X CAP463640702 10/9/2024 10/9/2025

2,000,000B

UMB463640802 10/9/2024 10/9/2025 2,000,000

10,000 C

X BRC968103360 10/1/2024 10/1/2025 1,000,000

1,000,000 1,000,000

A Professional Liabili PAC463640602 10/9/2024 Occurrence 1,000,000 A Professional Liabili PAC463640602 10/9/2024 10/9/2025 Aggregate 2,000,000

The State of Arizona, and its departments, agencies, board, commissions, universities, officer, officials, agents and employees as additional insureds with respect to liability arising out of the activities performed by or on behalf of the Contractor per a written agreement with 30 days notice of cancellation.

WOS included with PNC per attached endorsements

State of Arizona/ Arizona office of Tourism 1110 W Washington St, Suite 155 Phoenix, AZ 85007

EPI-PHO-01 KHERTER

The Mahoney Group - Chandler 2625 W Geronimo Place, Suite 350 Chandler, AZ 85224

Kathy Herter kherter@mahoneygroup.com

Great American Ins. Company Great American Alliance StarNet Insurance Company

X

10/9/2025

X X

X

X

X

X

X

* 81 * 10/07/2024 * CAP 4636407 02 00 Great American Insurance Company 253247

CA 86 20 (Ed. 05/16) (Page 1 o f 9)

CA 86 20 (Ed. 05/16)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

SIGNATURE BUSINESS AUTO BROADENING ENDORSEMENT

This endorsement modifies insurance provided under the fol lowing form:

BUSINESS AUTO COVERAGE FORM

To the extent that the provisions o f this endorsement provide broader benefits to the "insured" than other provisions o f the policy, the provisions o f this endorsement apply.

This is a summary o f the various additional coverages and coverage modifications provided by this endorsement. For complete details on specific coverages, consult the actual policy wording.

Coverage Limit of Insurance Page

Who is an Insured - Employees, Partners, Members, Included 2 Volunteers and Board Members

Automatic Additional Insureds - By Contract and Primary and Included 2 Non-Contributory Provision

Leased Auto Coverage Included 3

Owned Subsidiaries and Newly Acquired or Formed Included 4 Organizations

Supplementary Payments - Bail Bonds $5,000 4

Supplementary Payments - Loss o f Earnings $1,000 per day 4

Fellow Employee Included 5

Physical Damage Coverage Extensions - Towing $200 - any auto 5

Physical Damage Coverage Extensions - Glass Breakage No Deductible 5

Physical Damage Coverage Extensions - Transportation $100 per day, $3,000 max 5 Expenses

Hired Auto Physical Damage Coverage $100 per day, $3,000 max 5

$500 - personal items, $1,000 - Total Theft o f a Covered Auto reasonable expenses to return stolen auto 6

Auto Loan / Lease Gap Protection Included 6

Customization Coverage $2,000 7

CA 86 20 (Ed. 05/16) (Page 2 o f 9)

Coverage Limit of Insurance Page

Newly Acquired Owned Autos and Donated Autos Physical $100,000 7 Damage Coverage

$100 per day up to 30 days 8

Rental Reimbursement Coverage $500 f o r reasonable expenses to remove and replace your materials and equipment 8

Accidental Discharge - Airbag Coverage Included 8

Original Equipment Manufacturer OEM Part Replacement Included 8

Multiple Deductibles Included 8

Notice and Knowledge o f Occurrence - Duties in the Event o f Included 8 Accident, Claim, Suit or Loss

Blanket Waiver o f Subrogation By Written Contract Included 9

Unintentional Failure to Disclose Hazards Included 9

Mental Anguish Included 9

A. WHO IS AN INSURED - EMPLOYEES, PARTNERS, MEMBERS, VOLUNTEERS AND BOARD

MEMBERS

SECTION II - COVERED AUTOS LIABILITY COVERAGE, A. 1. Who is An Insured is amended by adding the following:

d. Any "employee", partner or member o f yours while using a covered "auto" you don't own, hire or bor row in your business or your personal affairs.

e. Anyone volunteering services to you while using a covered "auto" you don't own, hire or bor row in activities necessary to your business. Anyone else who furnishes that "auto" is also an "insured".

f. Board members (or their spouses) while renting a vehicle while on business f o r the named insured.

B. AUTOMATIC ADDITIONAL INSUREDS - BY CONTRACT AND PRIMARY AND

NON-CONTRIBUTORY PROVISION

SECTION II - COVERED AUTOS LIABILITY COVERAGE, A. 1. Who is An Insured is amended to include as an Insured any person or organization whom you are required to add as an Additional Insured on this policy under:

a. a written contract or written agreement:

(1) in e f fec t on the date o f the "accident"; and

CA 86 20 (Ed. 05/16) (Page 3 o f 9)

(2) signed by all parties prior to the "accident."

This person or organization is an Additional Insured only to the extent you are liable f o r an "accident" caused, in whole or in part, by the use o f a covered "auto" being driven by you or any "insured." However;

a. the insurance afforded to such Additional Insured only applies to the extent permitted by law;

and

b. i f coverage provided to the Additional Insured is required by a written contract or written agreement, the insurance afforded to such Additional Insured will not be broader than that which you are required by the written contract or written agreement to provide f o r such Additional Insured.

With respect to insurance provided to an Additional Insured the fol lowing provisions apply:

a. This insurance is primary to and will not seek contribution f rom any other insurance available to an Additional Insured under your policy provided that:

(1) The Additional Insured is a Named Insured under such other insurance; and

(2) You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution f rom any other insurance available to the Additional Insured.

b. When a written contract or written agreement does not require this insurance to be primary or primary and non-contributory, this insurance is excess over any other insurance f o r which the Additional Insured is designated as a Named Insured.

c. Regardless o f the written contract or written agreement between you and an Additional Insured, this insurance is excess over any other insurance whether primary, excess, contingent or any other basis f o r which the Additional Insured has been added as an additional insured on other policies.

d. I f coverage provided to the additional insured is required by a written contract or written agreement, the most we will pay on behalf o f the additional insured is the amount o f insurance:

(1) Required by the written contract or written agreement; or

(2) Available under the applicable Limits o f Insurance show in the Declarations;

whichever is less.

C. LEASED AUTO COVERAGE

With respect to insurance provided to an Additional Insured who is a lessor o f a "leased auto" the fol lowing provisions apply:

SECTION II - COVERED AUTOS LIABILITY COVERAGE, A. Coverage is amended by adding the following:

Any "leased auto" designated or described in the Schedule will be considered a covered "auto" you own and not covered "auto" you hire or borrow.

For a covered "auto" that is a "leased auto" Who Is An Insured is changed to include as an "Insured" the lessor.

The coverages provided under this endorsement apply to any "leased auto" described in the

CA 86 20 (Ed. 05/16) (Page 4 o f 9)

Schedule until the expiration date shown in the Schedule, or when the lessor or his or her agent takes possession o f the "leased auto," whichever occurs first.

SECTION IV - BUSINESS AUTO CONDITIONS, A.4. Loss Payment - Physical Damage Coverages is amended by adding the following:

a. We will pay, as interest may appear, you and the lessor f o r "loss" to a "leased auto."

b. The insurance covers the interest o f the lessor unless the "loss" results f rom fraudulent acts or omissions on your part.

c. I f we make any payment to the lessor, we will obtain his or her rights against any other party.

SECTION V - DEFINITIONS is amended by adding the fol lowing definition:

"Leased auto" means any "auto" leased or rented to you including any substitute, replacement or extra "auto" needed to meet seasonal or other needs, under a leasing or rental agreement that requires you to provide direct primary insurance f o r the lessor.

D. OWNED SUBSIDIARIES AND NEWLY ACQUIRED OR FORMED ORGANIZATIONS

SECTION II - COVERED AUTOS LIABILITY COVERAGE, A. 1. Who is An Insured is amended by adding the following:

The fol lowing are "insureds":

a. Any subsidiary which is a legally incorporated entity o f which you maintain ownership or majority interest on the effect ive date o f this Coverage Form except:

(1) Any subsidiary that is an insured under any other automobile liability policy.

(2) Any subsidiary which would be an insured under any other automobile liability policy but f o r the termination o f such policy or exhaustion o f such policy's Limits o f Insurance.

b. Any organization you newly acquire or form, and in which you maintain ownership or majority interest, but only f o r the period beginning when you f i rst maintained majority interest until the end o f the policy period o f this Coverage Form, or the next anniversary o f the inception date o f this Coverage From, whichever is earlier. However, the newly acquired or formed organization is not an "Insured":

(1) For "bodily injury" or "property damage" resulting f rom an "accident" that occurred before you acquired or formed the organization.

(2) I f it is an insured under any other automobile liability policy or would be an insured under any other automobile liability policy but f o r the termination o f such policy or exhaustion o f such policy's Limits o f Insurance.

E. SUPPLEMENTARY PAYMENTS

SECTION II - COVERED AUTOS LIABILITY COVERAGE, A.2.a.(2) is deleted and replaced with the following:

(2) Up to $5,000 f o r cost o f bail bonds (including bonds f o r related traf f ic law violations) required because o f an "accident" we cover. We do not have to furnish these bonds.

SECTION II - COVERED AUTOS LIABILITY COVERAGE, A.2.a.(4) is deleted and replaced with the following:

CA 86 20 (Ed. 05/16) (Page 5 o f 9)

(4) All reasonable expenses incurred by the "Insured" at our request, including actual loss o f earnings up to $1,000 a day because o f time o f f f rom work.

F. FELLOW EMPLOYEE

SECTION II - LIABILITY COVERAGE is amended to add the fol lowing after Paragraph B.5.b:

This exclusion does not apply to "bodily injury" resulting f rom the use o f a covered "auto" you own or hire. Coverage afforded by this section is excess over any other collectible insurance.

G. PHYSICAL DAMAGE COVERAGE EXTENSIONS - TOWING

SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 2. Towing is deleted in its entirety and replaced with the following:

2. Towing

We will pay up to $200 f o r towing and labor costs incurred each time a covered "auto" is disabled. However, the labor must be performed at the place o f disablement. No deductible applies to this enhancement.

H. PHYSICAL DAMAGE COVERAGE EXTENSIONS - GLASS BREAKAGE

SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 3. Glass Breakage - Hitting a Bird or Animal - Falling Objects or Missiles is amended by adding the following:

No deductible f o r covered "autos" applies to "loss" resulting f rom glass breakage.

I. PHYSICAL DAMAGE COVERAGE EXTENSIONS - TRANSPORTATION EXPENSES

SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, a. is deleted in its entirety and replaced with the following:

a. Transportation Expenses

We will pay up to $100 per day to a maximum o f $3,000 f o r temporary transportation expense incurred by you because o f "loss" to a covered "auto". We will pay only f o r those covered "autos" f o r which you carry either Comprehensive or Specified Causes o f Loss Coverage. We will pay f o r temporary transportation expenses incurred until the covered "auto" is returned to use or we pay f o r its "loss," regardless o f the policy's expiration.

We will pay under this coverage extension only that amount o f Transportation Expenses which is not already provided under O. Rental Reimbursement Coverage o f this endorsement.

J. HIRED AUTO PHYSICAL DAMAGE COVERAGE

SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, is amended to add the following:

HIRED AUTO PHYSICAL DAMAGE COVERAGE

I f Comprehensive Coverage, Specified Causes o f Loss or Collision Coverage is shown in the Declarations f o r any covered "auto", then the same type o f Physical Damage Coverage is provided f o r any Hired Auto, subject to the following:

a. The most we will pay f o r any one "accident" or "loss" the lesser of:

(1) the actual cash value o f the covered "auto" at the time o f the "loss"; or

CA 86 20 (Ed. 05/16) (Page 6 o f 9)

(2) the actual cost to repair or replace such covered "auto" at the time o f the "loss."

b. The Limit o f Insurance as determined under Paragraph J.a., above, will be reduced by any applicable Comprehensive or Collision deductible f o r each covered "auto." This deductible will be equal to the largest deductible applicable under any coverage f o r such covered "auto." No deductible applies to "loss" caused by f i re or lightning.

c. The coverage provided by this coverage extension will be excess over any other collectible insurance.

d. Subject to Paragraphs J.a, J.b and J.c, above, we will provide the broadest coverage applicable to any covered "auto" shown in the Declarations.

e. For coverage provided under this coverage extension, the last sentence o f Paragraph A.4.b under SECTION III - PHYSICAL DAMAGE COVERAGE, is deleted and replaced with the following:

However, the most we will pay f o r any expenses f o r loss o f use is $100 per day, to a maximum o f $3,000 per "accident" i f loss o f use results f rom an "accident" f o r which you are legally liable and the lessor incurs a financial loss.

K. TOTAL THEFT OF A COVERED AUTO

SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, is amended to add the following:

Total Theft of a Covered Auto

In the event o f the total theft o f a covered "auto":

a. Coverage includes personal items in the covered "auto" at the time o f loss up to a maximum o f $500. No deductible applies to this coverage.

b. We will pay reasonable expenses f o r returning the stolen covered "auto" to you once it is recovered, up to a maximum o f $1,000. No deductible applies to this coverage.

L. AUTO LOAN / LEASE GAP PROTECTION

SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, is amended to add the following:

In the event o f a total "loss" o f a covered "auto" shown in the Declarations f o r which Physical Damage Coverage is provided, we will provide coverage f o r any unpaid amount due on the lease or loan f o r such covered "auto," less the following:

a. The amount paid under the Physical Damage Coverage Section o f the Policy f o r that covered "auto", and

b. Any:

(1) overdue lease or loan payments at the time o f the "loss";

(2) financial penalties imposed under a lease f o r excessive use, abnormal wear and tear or high mileage;

(3) security deposits not returned by the lessor;

CA 86 20 (Ed. 05/16) (Page 7 o f 9)

(4) costs f o r extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance purchased with the loan or lease; and

(5) carry-over balances f rom previous loans or leases.

M. CUSTOMIZATION COVERAGE

SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, is amended to add the following:

a. We will pay with respect to a covered "auto" f o r "loss" to automobile customization which includes special carpeting and insulation, height - extended roofs and custom murals, paintings, vinyl wraps or other details or graphics.

b. our limit o f liability f o r "loss" to automobile customizations in any one "loss" shall be the least of:

(1) the actual cash value o f the stolen or damaged property;

(2) the amount necessary to repair or replace the property; or

(3) $2,000.

This coverage does not apply to electronic equipment.

N. NEWLY ACQUIRED OWNED AUTOS AND DONATED AUTOS PHYSICAL DAMAGE COVERAGE

SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, is amended to add the following:

I f Comprehensive, Specified Causes o f Loss, or Collision Coverage is provided by this Policy, the coverage is extended to apply to Physical Damage "loss" to your newly acquired owned "autos" and donated autos. We will provide the broadest coverage available to any covered "auto" shown in the Declarations.

The most we will pay f o r "loss" to a newly acquired "auto" or donated auto is the least of:

a. the actual cash value o f the damaged or stolen property as o f the time the "loss," or your actual cost o f purchase o f the newly acquired "auto", whichever is more;

b. the actual cost of:

(1) replacing the damaged or stolen property with other property o f like kind and quality; or

(2) repairing the damaged property.

without deduction f o r depreciation; or

c. $100,000.

However, the most we will pay f o r all covered physical damage "loss" f o r newly acquired autos and donated autos occurring during the policy period shown on the Declarations is $100,000.

For each newly acquired "auto" our obligation to pay "loss" will be reduced by a deductible equal to the highest deductible applicable to any "auto" f o r that coverage. No deductible will be applied to "loss" caused by f i re or lightning.

CA 86 20 (Ed. 05/16) (Page 8 o f 9)

Coverage under this Extension, f o r newly acquired owned "autos" is afforded until you notify us to add the newly acquired owned vehicle to your auto schedule or until the end o f the policy period, whichever is earlier.

O. RENTAL REIMBURSEMENT COVERAGE EXTENSION

SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, is amended to add the following:

For those covered "autos" f o r which you carry Comprehensive or Specified Cause o f Loss Coverage:

We will pay up to $100 per day, f o r up to 30 days, f o r Rental Reimbursement Expenses incurred by you f o r the rental o f an "auto" because o f a "loss" to a covered "auto".

We will also pay up to $500 f o r reasonable and necessary expenses incurred by you to remove and replace your materials and equipment f rom the covered "auto".

We will pay under this coverage extension only that amount o f your Rental Reimbursement Expenses which is not already provided under I. Transportation Expenses o f this endorsement.

P. ACCIDENTAL DISCHARGE - AIRBAG COVERAGE

SECTION III - PHYSICAL DAMAGE COVERAGE, B.3.a is deleted and replaced with the following:

a. Wear and tear, freezing, mechanical or electrical breakdown, but this exclusion does not apply to "loss" due and confined to the accidental discharge o f an airbag. No deductible applies to this coverage.

Q. ORIGINAL EQUIPMENT MANUFACTURER (OEM) PART REPLACEMENT

SECTION III - PHYSICAL DAMAGE, C. Limit of Insurance, Paragraph 1. is amended to include:

We will pay the cost to replace the damaged parts (excluding glass and mechanical parts) with new Original Equipment Manufacturer (OEM) replacement parts i f the damage parts cannot be repaired.

R. MULTIPLE DEDUCTIBLES

SECTION III - PHYSICAL DAMAGE, D. Deductible, is amended to add the following:

When two or more covered "autos" sustain "loss" in a single incident, a single Physical Damage deductible will apply to the total "loss" f o r all covered "autos." That deductible will be the largest o f all deductibles applying to any o f the covered "autos" involved in the single incident.

S. NOTICE AND KNOWLEDGE OF OCCURRENCE - DUTIES IN THE EVENT OF ACCIDENT, CLAIM,

SUIT OR LOSS

SECTION IV - BUSINESS AUTO CONDITIONS, Paragraph A.2.a. is deleted and replaced with the following:

a. In the event o f "accident," claim, "suit" or "loss," you must give us or our authorized representative notice as soon as practicable o f the "accident" or "loss" after the "accident" or "loss" is known to you (if you are an individual), one o f your partners (if you are a partnership), or one o f your of f icers or any personnel responsible f o r insurance, risk management, or loss prevention (if you are a corporation). Notice shall include:

(1) How, when and where the "accident" or "loss" occurred;

CA 86 20 (Ed. 05/16) (Page 9 o f 9)

(2) The "insured's" name and address; and

(3) To the extent possible, the names and addresses o f any injured persons and witnesses.

SECTION IV - BUSINESS AUTO CONDITIONS, Paragraph A.2.b(2) is deleted and replaced with the following:

(2) As soon as practicable send us copies o f any request, demand, order, notice, summons or legal paper received concerning the claim or "suit" after the claim or "suit" is known to you (if you are an individual), one o f your partners (if you are a partnership), or one o f your of f icers or any personnel responsible f o r insurance, risk management, or loss prevention (if you are a corporation).

T. BLANKET WAIVER OF SUBROGATION BY WRITTEN CONTRACT

SECTION IV - BUSINESS AUTO CONDITIONS, Paragraph A.5 is amended to add the following:

However, we waive any right o f recovery we may have against any person or organization to the extent required o f you by a written contract or written agreement signed by all parties prior to any "accident" or "loss", provided that the "accident" or "loss" arises out o f the operations contemplated by such written contract or written agreement. The waiver applies only to the person or organization designated in such written contract or written agreement.

U. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS

SECTION IV - BUSINESS AUTO CONDITIONS, B.2. is amended to add the following:

Failure o f the "Insured" to disclose all exposures or hazards existing as o f the effect ive date o f this Coverage Form will not invalidate or adversely af fect coverage f o r such exposure or hazard, provided such failure is not intentional on the part o f the "Insured". However, you must report the undisclosed exposure or hazard to us as soon as practicable after you discover the exposure or hazard.

V. MENTAL ANGUISH

The definition o f "Bodily Injury" in SECTION V - DEFINITIONS is replaced by the following:

"Bodily Injury" means physical injury, sickness or disease sustained by a person including death resulting f rom any o f these. "Bodily Injury" also means mental injury, mental anguish, humiliation or shock i f directly resulting f rom physical injury, sickness or disease to that person.

* 81 * 10/07/2024 * PAC 4636406 02 00 Great American Insurance Company

CG 89 70 (Ed. 11/14) (Page 1 o f 12)

CG 89 70 (Ed. 11/14)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

SIGNATURE GENERAL LIABILITY BROADENING ENDORSEMENT

This Endorsement modifies and is subject to the insurance provided under the fol lowing form:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

The fol lowing extension only applies in the event that no other specific coverage f o r the indicated loss exposure is provided under this Policy. I f other specific coverage applies, the terms, conditions and limits o f that Coverage are the exclusive coverage applicable under this Policy, unless otherwise noted in this Endorsement. This is a summary o f the various additional coverages and coverage modifications provided by this Endorsement. For complete details on specific coverages, consult the actual policy wording.

Coverage Description Limit of Insurance Page

Non-Owned Aircraft Included 2

Non-Owned Watercraft Included 2

Bodily Injury - Mental Injury, Mental Anguish, Humiliation or Shock Included 3

Medical Payments $ 20,000 3

Damage to Premises Rented to You $ 1,000,000 3

Supplementary Payments - Bail Bonds $ 3,000 4

Supplementary Payments - Loss o f Earnings $ 1,000 per day 4

Newly Formed or Acquired Organizations Included 4

Unintentional Failure to Disclose Hazards Included 5

Knowledge o f Occurrence, Claim or Suit Included 5

Property Damage Liability - Elevators Included 5

Property Damage Liability - Borrowed Equipment Included 5

Liberalization Clause Included 6

Amendment o f Pollution Exclusion (Premises) Included 6

Limited Property Damage to Property o f Others $ 5,000 6

Additional Insured - Manager or Lessor o f Premises Included 7

CG 89 70 (Ed. 11/14) (Page 2 o f 12)

Coverage Description Limit of Insurance Page

Additional Insured - Funding Sources Included 7

Additional Insured - By Contract Included 8

Primary and Non-Contributory Additional Insured Extension Included 10

Additional Insureds - Protection o f Your Limits Included 10

Blanket Waiver o f Transfer o f Rights o f Recovery Against Others Included to Us (Subrogation) 11

Property Damage Extension With Voluntary Payments $ 1,000/$ 5,000 11

Who Is An Insured - Fellow Employee Extension - Management Included Employees 12

Broadened Personal and Advertising Injury Included 12

A. Non-Owned Aircraft

Under paragraph 2. Exclusions o f SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability, exclusion g. Aircraft, Auto or Watercraft does not apply to an aircraft provided:

1. it is not owned by any insured;

2. it is hired, chartered or loaned with a trained paid crew;

3. the pilot in command holds a currently effect ive certificate, issued by the duly constituted authority o f the United States o f America or Canada, designating him or her a commercial or airline pilot; and

4. it is not being used to carry persons or property f o r a charge.

However, the insurance afforded by this provision does not apply i f there is available to the Insured other valid and collectible insurance, whether primary, excess (other than insurance written to apply specifically in excess o f this Policy), contingent or on any other basis, that would also apply to the loss covered under this provision.

B. Non-Owned Watercraft

Under paragraph 2. Exclusions o f SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability, subparagraph (2) o f exclusion g. Aircraft, Auto or Watercraft is replaced by the following:

This exclusion does not apply to:

(2) A watercraft you do not own that is:

(a) less than 60 feet long; and

CG 89 70 (Ed. 11/14) (Page 3 o f 12)

(b) not being used to carry persons or property f o r a charge.

C. Bodily Injury - Mental Injury, Mental Anguish, Humiliation or Shock

Under SECTION V - DEFINITIONS, Definition 3. is replaced by the following:

3. "Bodily Injury" means physical injury, sickness, or disease, including death o f a person. "Bodily Injury" also means mental injury, mental anguish, humiliation, or shock i f directly resulting f rom physical injury, sickness, or disease to that person.

D. Medical Payments

I f Coverage C Medical Payments is not otherwise excluded, the Medical Payments provided by this Policy are amended as follows:

The Medical Expense Limit in paragraph 7. o f SECTION III - LIMITS OF INSURANCE is replaced by the fol lowing Medical expense Limit:

The Medical Expense Limit provided by this Policy shall be the greater of:

a. $ 20,000; or

b. the amount shown in the Declarations f o r Medical Expense Limit

This provision 7. is subject to all the terms o f SECTION III - LIMITS OF INSURANCE.

E. Damage to Premises Rented to You

I f Damage to Premises Rented to You is not otherwise excluded f rom this Coverage Part:

1. Under paragraph 2. Exclusions o f SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability:

3. The last paragraph o f paragraph 2. Exclusions is deleted in its entirety and replaced by the following:

Exclusions c. through n. do not apply to damage by fire, lightning, explosion, smoke, leakage f rom an automatic f i re protection system or water to premises while rented to you or temporarily occupied by you with permission o f the owner. A separate Limit o f Insurance applies to this coverage as described in SECTION III - LIMITS OF INSURANCE.

However, this insurance does not apply to damage to premises while rented to you, or temporarily occupied by you with the permission o f the owner, caused by:

i. rupture, bursting, or operation o f pressure relief devices;

ii. rupture or bursting due to expansion or swelling o f the contents o f any building or structure, caused by or resulting f rom water;

iii. explosion o f steam boilers, steam pipes, steam engines, or steam turbines; or

iv. f lood

2. Paragraph 6. Under SECTION III - LIMITS OF INSURANCE is deleted in its entirety and replaced with the following:

CG 89 70 (Ed. 11/14) (Page 4 o f 12)

6. Subject to paragraph 5. above, the most we will pay under Coverage A f o r damages because o f "property damage" to any one premises, while rented to you, or in the case o f damage caused by fire, lightning, explosion, smoke, leakage f rom automatic f i re protection system or water while rented to you or temporarily occupied by you with the permission o f the owner, f o r all such damage caused by fire, lightning, explosion, smoke, leakage f rom automatic f i re protection systems or water proximately caused by the same event, whether such damage results f rom fire, lightning, explosion, smoke, leakage f rom automatic f i re protection systems or water or any combination o f the six, is the higher o f $ 1,000,000 or the amount shown in the Declarations f o r the Damage to Premises Rented to You Limit.

3. Under SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, subsection 4. Other Insurance, paragraph b. Excess Insurance where the words "Fire insurance" appear they are changed to "insurance f o r fire, lightning, explosion, smoke, leakage f rom an automatic f i re protection system or water."

4. As regards coverage provided by this provision I. Damage to Premises Rented to You -paragraph 9.a. o f Definitions is replaced with the following:

9. a. a contract f o r a lease o f premises. However, that portion o f the contract f o r a lease o f premises that indemnifies any person or organization f o r damage by fire, lightning, explosion, smoke, leakage f rom automatic f i re protection systems or water to premises while rented to you or temporarily occupied by you with the permission o f the owner is not an "insured contract";

F. Supplementary Payments

1. In the Supplementary Payments - Coverages A and B provision, paragraph 1.b. is replaced with:

b. Up to $ 3,000 f o r the cost o f bail bonds required because o f accidents or t raf f ic law violations arising out o f the use o f any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds.

2. Paragraph 1.d. is replaced by the following:

d. All reasonable expenses incurred by the Insured at our request to assist us in the investigation or defense o f the claim or "suit," including actual loss o f earnings up to $ 1,000 a day because o f time o f f work.

G. Newly Formed or Acquired Organizations

Paragraph 3. o f SECTION II - WHO IS AN INSURED is replaced by the following:

3. Any organization you newly acquire or fo rm and over which you maintain ownership or majority interest, will qualify as a named insured i f there is no other similar insurance available to that organization. However:

a. coverage under this provision is afforded only until the expiration o f the policy period in which the entity was acquired or formed by you;

b. coverage A does not apply to "bodily injury" or property damage that occurred before you acquired or formed the organization; and

c. coverage B does not apply to "personal and advertising injury" arising out o f an offense committed before you acquired or formed the organization.

CG 89 70 (Ed. 11/14) (Page 5 o f 12)

d. records and descriptions o f operations must be maintained by the f i rst named insured.

No person or organization is an insured with respect to the conduct o f any current or past partnership, joint venture or limited liability company that is not shown as a named insured in the Declarations or qualifies as an insured under this provision.

H. Unintentional Failure to Disclose Hazards

Under SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, the fol lowing is added to Condition 6. Representations:

Failure o f the Insured to disclose all hazards existing as o f the inception date o f this Policy shall not prejudice the insurance with respect to the coverage afforded by this Policy, provided such failure or omission is not intentional on the part o f the Insured.

I. Knowledge of Occurrence, Claim or Suit

Under SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, the fol lowing is added to Condition 2. Duties in the Event of Occurrence, Offense, Claim or Suit:

Knowledge o f any occurrence, claim, or suit by any agent, servant or employee o f the Named Insured does not in itself constitute knowledge by the Insured unless notice o f such injury, claim or suit shall have been received by:

a. you, i f you are an individual;

b. a partner, i f you are a partnership

c. an executive of f icer or insurance manager, i f you are a corporation.

J. Property Damage Liability - Elevators

1. Under paragraph 2. Exclusions o f SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability, subparagraphs (3), (4) and (6) o f exclusion j. Damage to Property do not apply i f such property damage results f rom the use o f elevators.

2. The fol lowing is added to SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, Condition 4. Other Insurance, paragraph b. Excess Insurance:

The insurance afforded by this provision o f this Endorsement is excess over any property insurance, whether primary, excess, contingent or on any other basis.

K. Property Damage Liability - Borrowed Equipment

1. Under paragraph 2. Exclusions o f SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability, subparagraph (4) o f exclusion j. Damage to Property does not apply to "property damage" to borrowed equipment while not being used to perform operations at a job site.

2. The fol lowing is added to SECTION IV - COMMERCIAL GENERAL LIABILITY Conditions, Condition 4. Other Insurance, paragraph b. Excess Insurance:

The insurance afforded by this provision o f this Endorsement is excess over any property insurance, whether primary, excess, contingent or on any other basis.

CG 89 70 (Ed. 11/14) (Page 6 o f 12)

L. Liberalization Clause

I f we revise this Signature General Liability Broadening Endorsement to provide more coverage without additional premium charge, your policy will automatically provide the coverage as o f the date the revision is effect ive in your state.

M. Amendment of Pollution Exclusion (Premises)

1. The fol lowing is added to paragraph (1)(a) o f Exclusion f. o f SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability:

(iv) "Bodily injury" or "property damage" arising out o f the actual discharge, dispersal, seepage, migration, release or escape o f "pollutants."

As used in this Endorsement, the actual discharge, dispersal, seepage, migration, release or escape o f pollutants must:

(aa) commence on a clearly identifiable day during the policy period; and

(bb) end, in its entirety, within seventy- two (72) hours o f the commencement o f the discharge, dispersal, seepage, migration, release or escape o f "pollutants"; and

(cc) be discovered and reported to us within f i f teen (15) days o f the clearly identifiable day that the discharge, dispersal, seepage, migration, release or escape o f "pollutants" commences; and

(dd) be neither expected nor intended f rom the standpoint o f any insured; and

(ee) be unrelated to any previous discharge, dispersal, seepage, migration, release or escape; and

(ff) not originate at or f rom a storage tank or other container, duct or piping which:

a. is below the surface o f the ground or water; or

b. at any time has been buried under the surface o f the ground or water and then is subsequently exposed.

2. For the purposes o f this coverage, the fol lowing is added to the definition o f "property damage" o f SECTION V - DEFINITIONS and applies only as respects this coverage:

Land or water, whether below ground level or not, is not tangible property.

3. Coverage provided hereunder does not apply to any discharge, dispersal, seepage, migration, release or escape that is merely threatened or alleged rather than shown to have actually occurred.

N. Limited Property Damage to Property of Others

The fol lowing is added under SECTION I - SUPPLEMENTARY PAYMENTS - COVERAGES A and B:

3. We will pay up to $ 5,000 f o r loss to personal property o f others while in the temporary care, custody or control o f an insured caused by any person participating in your organized activities.

For the purpose o f this supplementary payment, loss shall mean damage or destruction but does not include mysterious disappearance or loss o f use. In the event o f a theft, a police report must be filed. This supplementary payment does not apply if:

a. coverage is otherwise provided by the Property Coverage part (if any) o f this Policy; or

CG 89 70 (Ed. 11/14) (Page 7 o f 12)

b. the loss is covered by any other insurance you have or by any insurance o f such person who causes such loss.

These payments will not reduce the Limits o f Insurance.

O. Additional Insured - Manager or Lessor of Premises

1. SECTION II - WHO IS AN INSURED is amended to include as an additional insured any person or organization f rom whom you lease or rent property and which requires you to add such person or organization as an additional insured on this Policy under:

(a) a written contract; or

(b) an oral agreement or contract where a Certificate o f Insurance showing that person or organization as an additional insured has been issued;

but the written or oral contract or agreement must be an "insured contract," and,

(i) currently in e f fec t or become effect ive during the term o f this Policy; and

(ii) executed prior to the "bodily injury," "property damage," "personal and advertising injury."

2. With respect to the insurance afforded to the Additional Insured identified in paragraph 1.

above, the fol lowing additional provisions apply:

(a) This insurance applies only with respect to the liability arising out o f the ownership, maintenance or use o f that part o f the premises leased to you.

(b) The Limits o f Insurance applicable to the Additional Insured are the lesser o f those specified in the written contract or agreement or in the Declarations f o r this Policy and subject to all the terms, conditions and exclusions f o r this Policy. The Limits o f Insurance applicable to the Additional Insured are inclusive o f and not in addition to the Limits o f Insurance shown in the Declarations.

(c) In no event shall the coverages or Limits o f Insurance in this Coverage Form be increased by such contract.

(d) Coverage provided herein is excess over any other valid and collectible insurance available to the Additional Insured whether the other insurance is primary, excess, contingent or on any other basis unless a written contractual arrangement specifically requires this insurance to be primary.

(e) This insurance applies only to the extent permitted by law.

3. This insurance does not apply to:

(a) Any "occurrence" or offense which takes place after you cease to be a tenant in that premises.

(b) Structural alterations, new construction or demolition operations performed by or on behalf o f the Additional Insured.

P. Additional Insured - Funding Sources

1. SECTION II - WHO IS AN INSURED is amended to include as an additional insured any Funding Source which requires you in a written contract to name the Funding Source as an additional insured but only with respect to liability arising out of:

CG 89 70 (Ed. 11/14) (Page 8 o f 12)

a. your premises; or

b. "your work" f o r such additional insured; or

c. acts or omissions o f such additional insured in connection with the general supervision o f "your work" and only to the extent set for th as follows:

a. The Limits o f Insurance applicable to the Additional Insured are the lesser o f those specified in the written contract or agreement or in the Declarations f o r this Policy and subject to all the terms, conditions and exclusions f o r this Policy. The Limits o f Insurance applicable to the Additional Insured are inclusive o f and not in addition to the Limits o f Insurance shown in the Declarations.

b. The insurance afforded to the Additional Insured only applies to the extent permitted by law

c. I f 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 f o r such additional insured.

d. In no event shall the coverages or Limits o f Insurance in this Coverage Form be increased by such contract.

Q. Additional Insureds - By Contract

1. SECTION II - WHO IS AN INSURED is amended to include as an insured any person or organization whom you have agreed to add as an additional insured in a written contract, written agreement or permit. Such person or organization is an additional insured but only with respect to liability f o r "bodily injury," "property damage" or "personal and advertising injury" arising out of:

a. your acts or omissions, or the acts or omissions o f those acting on your behalf, in the performance o f your ongoing operations f o r the Additional Insured that are subject o f the written contract or written agreement provided that the "bodily injury" or "property damage occurs, or the "personal and advertising injury" is committed, subsequent to the signing o f such written contract or written agreement; or

b. the maintenance, operation or use by you o f equipment rented or leased to you by such person or organization; or

c. the Additional Insureds financial control o f you; or

d. operations performed by you or on your behalf f o r which the state or political subdivision has issued a permit

However:

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

2. i f coverage provided to the Additional Insured is required by 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 such additional insured.

With respect to paragraph 1.a. above, a person's or organization's status as an additional insured under this Endorsement ends when:

CG 89 70 (Ed. 11/14) (Page 9 o f 12)

(1) all work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed f o r or on behalf o f the Additional Insured(s) at the location o f the covered operations has been completed;

or

(2) that portion o f "your work" out o f which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations f o r a principal as a part o f the same project.

With respect to paragraph 1.b. above, this insurance does not apply to any "occurrence" which takes place after the equipment rental or lease agreement has expired or you have returned such equipment to the lessor.

The insurance provided by this Endorsement applies only i f the written contract or written agreement is signed prior to the "bodily injury" or "property damage."

We have no duty to defend an additional insured under this Endorsement until we receive written notice o f a "suit" by the Additional Insured as required in paragraph b. o f Condition 2.

Duties in the Event of Occurrence, Offense, Claim or Suit under SECTION IV -

COMMERCIAL GENERAL LIABILITY CONDITION.

2. With respect to the insurance provided by this Endorsement, the fol lowing are added to paragraph 2. Exclusions under SECTION I - COVERAGE A - Bodily Injury and Property Damage Liability:

This insurance does not apply to:

a. "Bodily injury" or "property damage" that occurs prior to your commencing operations at the location where such "bodily injury" or "property damage" occurs.

b. "Bodily injury," "property damage" or "personal and advertising injury" arising out o f the rendering of , or failure to render, any professional architectural, engineering or surveying services, including:

(1) the preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications;

or

(2) supervisory, inspection, architectural or engineering activities.

This exclusion applies even i f the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring o f others by that Insured, i f the "occurrence" which caused the "bodily injury" or "property damage," or the offense which caused the "personal and advertising injury," involved the rendering of , or failure to render, any professional architectural, engineering or surveying services.

c. "Bodily injury" or "property damage" occurring after:

(1) all work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed f o r or on behalf o f the Additional Insured(s) at the location o f the covered operations has been completed; or

(2) that portion o f "your work" out o f which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations f o r a principal as a part o f the same project.

CG 89 70 (Ed. 11/14) (Page 10 o f 12)

d. Any person or organization specifically designated as an additional insured f o r ongoing operations by a separate additional insured endorsement issued by us and made part o f this Policy.

3. With respect to the insurance afforded to these Additional Insureds, the fol lowing is added to

SECTION III - LIMITS OF INSURANCE:

I f coverage provided to the Additional Insured is required by a contract or agreement, the most we will pay on behalf o f the Additional Insured is the amount o f insurance:

a. required by the contract or agreement; or

b. available under the applicable Limits o f Insurance shown in the Declarations;

whichever is less.

This Endorsement shall not increase the applicable Limits o f Insurance shown in the Declarations.

R. Primary and Non-Contributory Additional Insured Extension

This provision applies to any person or organization who qualifies as an additional insured under any fo rm or endorsement under this Policy.

Condition 4. Other Insurance o f SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS is amended as follows:

a. The fol lowing is added to paragraph a. Primary Insurance:

This insurance is primary to and will not seek contribution f rom any other insurance available to an additional insured under your policy provided that:

(1) the Additional Insured is a named insured under such other insurance; and

(2) you have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution f rom any other insurance available to the Additional Insured.

b. The fol lowing is added to paragraph b. Excess Insurance:

When a written contract or written agreement, other than a premises lease, facilities rental contract or agreement, an equipment rental or lease contract or agreement or permit issued by a state or political subdivision between you and an additional insured does not require this insurance to be primary or primary and non-contributory, this insurance is excess over any other insurance f…