CTR078411__COI_926.pdf

10/07/2025

Butler-Leavitt Insurance Agency 405 South Main Street

Cottonwood AZ 86326

Darcy Huff

(928) 634-5521 (866) 298-7798 darcy-huff@leavitt.com

Ogden Enterprises Llc 1208 S State Route 260

Cottonwood AZ 86326-4600

Owners Insurance Company 32700 Auto-Owners Insurance Company 18988 Technology Insurance Company, Inc. 042376

CL2572324061

A Garage Liability

56632000 06/30/2025 06/30/2026

1,000,000 300,000 10,000 1,000,000 2,000,000 2,000,000

A 56632000 06/30/2025 06/30/2026

1,000,000

B 10,000

5456633300 06/30/2025 06/30/2026 1,000,000 1,000,000

C Y TES4623941 06/30/2025 06/30/2026

1,000,000 1,000,000 1,000,000

A Garagekeepers - Direct Primary

Y Y 56632000 06/30/2025 06/30/2026 Limit-Actual loss sustaind Comprehensive ded$500 Collision ded $500

Additional Insured-Grantor of Franchise applies to Garage Liability, if required by written contract, per form 89941 0905, copy attached. Blanket Waiver of Subrogation applies for Garage Liability, if required by written contract per form 89909 0714. Notice of Cancellation applies to Certificate Holder per form 59495 0811, copy attached.

Big O Tires LLC 4300 TBC Way

Palm Beach Gardens FL 33410-4281

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

Agency Code 25-0081-00

89909 (7-14)

GARAGE LIABILITY PLUS ENDORSEMENT

Garage Liability

It is agreed:

1. EXTENDED WATERCRAFT COVERAGE

Under SECTION II - COVERAGE, COVERAGE A -

BODILY INJURY AND PROPERTY DAMAGE LIA

BILITY, 2. EXCLUSIONS, b. Bodily Injury and Property Damage Liability (other Than Auto) (3), exclusion (b) is deleted and is replaced by the following:

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

(1) Less than so feet long; and

(2) Not being used to carry persons or property for a charge;

2. BROADENED SUPPLEMENTARY PAYMENTS

COVERAGE

Under SECTION II - COVERAGE, SUPPLEMEN

TARY PAYMENTS - COVERAGES A AND B:

Paragraph 4., the amount we will pay for all reason able expenses incurred at our request including ac tual loss of earnings is increased from $250 per day to $400 per day.

3. ADDITIONAL PRODUCTS-COMPLETED OPERA

TIONS AGGREGATE LIMIT

If the endorsement, EXCLUSION - PRODUCTS COMPLETED OPERATIONS HAZARD, is not at tached to this policy, then the following is added to

SECTION IV - LIMITS OF INSURANCE:

Commencing with the effective date of this policy, we will provide one additional Products-Completed Operations Aggregate Limit, for each annual period, equal to the amount of the Products-Completed Op erations Aggregate Limit shown in the Declara tions. The maximum Products Completed-Opera tions Aggregate Limit for any annual period will be no more than two times the original Products-Com pleted Operations Aggregate Limit

4. PERSONAL INJURY EXTENSION COVERAGE

a. If the endorsement EXCLUSION - PERSONAL INJURY AND ADVERTISING INJURY, is at tached to this policy, then this provision, 4.

PERSONAL INJURY EXTENSION COVER

AGE, does not apply.

b. If the endorsement EXCLUSION - PERSONAL INJURY AND ADVERTISING INJURY, is not at tached to this policy, then under SECTION I -

DEFINITIONS, S. Personal injury is deleted and replaced by the following:

S. Personal injury means, other than bodily injury, arising out of one or more of the fol lowing offenses:

1. False arrest, detention or imprisonment;

2. Malicious prosecution;

3. The wrongful eviction from, wrongful en try into, or invasion of the right of private occupancy of a room, dwelling or prem ises that a person occupies by or on be half of its owner, landlord or lessor;

4. Oral or written publication of material that slanders or libels a person or orga nization or disparages a person's or organization's goods, products or services;

5. Oral or written publication of material that violates a person's right of privacy;

or

6. Discrimination, humiliation, sexual ha rassment and any violation of civil rights caused by such discrimination, humilia tion or sexual harassment.

5. BROADENED KNOWLEDGE OF OCCURRENCE

Under SECTION VI - WHAT YOU MUST DO AF

TER AN ACCIDENT, OCCURRENCE OR LOSS,

the following paragraph is added:

Paragraphs A. and B. of this condition will not serve to deny any claim for failure to provide us with no tice as soon as practicable after an occurrence or an offense which may result in a claim:

a. If the notice of a new claim is given to your em ployee; and

b. That employee fails to provide us with notice as soon as practicable.

This exception shall not apply:

a. To you; or

89909 (7-14) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 4

b. To any officer, director, partner, risk manager or insurance manager of yours.

6. FIRE, LIGHTNING, EXPLOSION, SMOKE AND

WATER DAMAGE LEGAL LIABILITY

a. Fire, Lightning, Explosion, Smoke and Water Damage Legal Liability Coverage

If the endorsement EXCLUSION - DAMAGE TO PREMISES RENTED TO YOU, is attached to this policy, then this provision, 6. FIRE, LIGHT

NING, EXPLOSION, SMOKE AND WATER

DAMAGE LEGAL LIABILITY, does not apply.

If the endorsement EXCLUSION - DAMAGE TO PREMISES RENTED TO YOU, is not attached to this policy, then under SECTION II - COVER

AGE, COVERAGE A - BODILY INJURY AND

PROPERTY DAMAGE LIABILITY:

(1) The last paragraph under 2. EXCLUSIONS,

a. is deleted and replaced by the following:

Exclusions a.(2), a.(3) and a.(4) do not ap ply to damage by fire, lightning, explosion, smoke or water damage to premises rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as de scribed in 6. FIRE, LIGHTNING, EXPLO

SION, SMOKE AND WATER DAMAGE

LEGAL LIABILITY, b. Limits of Insurance.

(2) The last paragraph under 2. EXCLUSIONS,

b. is deleted and replaced by the following:

Exclusions b.(2) through b.(9) and b.(13) do not apply to damage by fire, lightning, explo sion, smoke or water damage to premises rented to you or temporarily occupied by you with permission of the owner. A sepa rate limit of insurance applies to this cover age as described in 6. FIRE, LIGHTNING, EXPLOSION, SMOKE AND WATER DAM

AGE LEGAL LIABILITY, b. Limits of Insurance.

(3) The following additional exclusions are ad ded under 2. EXCLUSIONS, b. Bodily In jury And Property Damage Liability (other Than Auto).

This insurance does not apply to Water Damage to premises, rented to you or tem porarily occupied by you with permission of the owner, arising out of:

(1) Property damage to:

(a) The interior of the premises caused by or resulting from rain or snow.

whether driven by wind or not; or

(b) Heating, air conditioning, plumbing or fire protection systems, or other equipment or appliances.

(2) Property damage caused by or result ing from any of the following:

(a) Mechanical breakdown, including bursting or rupture caused by cen trifugal force:

(b) Cracking, settling, expansion or shrinking;

(c) Smoke or smog;

(d) Birds, insects, rodents or other animals;

(e) Wear and tear;

(f) Corrosion, rust, decay, fungus, de terioration, hidden or latent defect or any quality in property that causes such property to destroy or damage itself; or

(g) Water that flows or leaks from any heating, air conditioning, plumbing or fire protection system caused by or resulting from freezing, unless:

1) You make a reasonable effort to maintain heat in the building or structure; or

2) You drain the equipment and shut off the water supply if the heat is not maintained.

(3) Property damage caused directly or in directly by any of the following:

(a) Water that backs up from a drain or sewer;

(b) Mudflow or mudslide;

(c) Volcanic eruption, explosion or effusion;

(d) Any earth movement, such as earthquake, landslide, mine subsid ence, earth sinking, earth rising or earth shifting:

(e) Regardless of the cause, flood, sur face water, waves, tides, tidal waves, storm surge, overflow of any body of water, or their spray, all whether wind driven or not;

(f) Water under the ground surface pressing on, or seeping or flowing through:

1) Walls, foundations, floors or paved surfaces;

2) Basements, whether paved or not: or

3) Doors, windows or other openings.

(4) Property damage for which you are ob ligated to pay as damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the

89909 (7-14) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 2of 4 insured would have in the absence of this contract or agreement.

b. Limits of Insurance

With respect to this coverage only, under SEC TION IV - LIMITS OF INSURANCE, paragraph A.1.f. is deleted and replaced by the following:

f. The most we will pay under Coverage A for damages because of property damage to premises rented to you or temporarily oc cupied by you with permission of the owner arising out of or caused by fire, lightning, ex plosion, smoke and water damage is the amount shown in the Declarations under Damage To Premises Rented To You (Fire, Lightning, Explosion, Smoke and Water Damage).

c. Under SECTION VII - GENERAL CONDI TIONS, E. Other Insurance, paragraph 2., the word Fire is amended to include Fire, Lightning, Explosion, Smoke or Water Damage.

7. BLANKET ADDITIONAL INSURED - LESSOR OF

LEASED EQUIPMENT

a. SECTION Ill - WHO IS AN INSURED, A. With respect to operations in your business, as de scribed under SECTION II - COVERAGE, COV

ERAGE A - BODILY INJURY AND PROPERTY

DAMAGE LIABILITY, 1. COVERAGE, a.

Bodily Injury And Property Damage Liability (other Than Auto), COVERAGE B AND COV ERAGE C is amended to include as an addi tional insured any person or organization with whom you have agreed:

(1) In a written contract or agreement, executed prior to loss, to name as an additional in sured; or

(2) In an oral contract or agreement, executed prior to loss, to name as an additional in sured only if a Certificate of Insurance was issued prior to loss indicating that the per son or organization was an additional insured but only with respect to liability for:

(1) Bodily injury;

(2) Property damage;

(3) Personal injury; or

(4) Advertising injury caused in whole or in part, by your mainte nance, operation or use of equipment leased to you by such person or organization.

b. With respect to the insurance afforded to an ad ditional insured, this insurance does not apply to any occurrence which takes place after the equipment lease expires.

c. The following is added to SECTION IV - LIMITS OF INSURANCE, A. COVERAGE A (other Than Auto), COVERAGE B AND COVERAGE C:

The Limits of Insurance for the additional in sured are those specified in the written contract or agreement between the insured and the les sor, not to exceed the limits provided in this pol icy. These limits are inclusive of and not in addi tion to the Limits of Insurance shown in the Declarations.

8. BLANKET ADDITIONAL INSURED - MANAGERS

OR LESSORS OF PREMISES

a. SECTION Ill - WHO IS AN INSURED, A. With respect to operations in your business, as de scribed under SECTION II - COVERAGE, COV

ERAGE A - BODILY INJURY AND PROPERTY

DAMAGE LIABILITY, 1. COVERAGE, a.

Bodily Injury And Property Damage Liability (other Than Auto), COVERAGE B AND COV ERAGE C is amended to include as an addi tional insured any person or organization with whom you have agreed:

(1) In a written contract or agreement, executed prior to loss, to name as an additional in sured; or

(2) In an oral contract or agreement, executed prior to loss, to name as an additional in sured only if a Certificate of Insurance was issued prior to loss indicating that the per son or organization was an additional insured but only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to you.

b. This provision is subject to the following addi tional exclusions, applicable to this provision only:

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

(2) Structural alterations, new constructions or demolition operations performed by or on behalf of the additional insured.

c. The following is added to SECTION IV - LIMITS OF INSURANCE, A. COVERAGE A (other Than Auto), COVERAGE B AND COVERAGE C:

The Limits of Insurance for the additional in sured are those specified in the written contract

89909 (7-14) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 3 of4 or agreement between the insured and the manager or lessor of the premises, not to ex ceed the limits provided in this policy. These limits are inclusive of and not in addition to the Limits of Insurance shown in the Declarations.

9. NEWLY FORMED OR ACQUIRED

ORGANIZATIONS

Under SECTION Ill - WHO IS AN INSURED, A.

With respect to operations in your business as de scribed under SECTION II - COVERAGE, COVER

AGE A - BODILY INJURY AND PROPERTY DAM

AGE LIABILITY, 1. COVERAGE, a. Bodily Injury And Property Damage Liability (other Than Auto) COVERAGE B AND COVERAGE C Paragraph 4. is deleted and replaced by the following:

4. Any organization you newly acquire or form other than a partnership, joint venture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named Insured if there is no other similar insur ance available to that organization. However:

a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the pol icy period, whichever is earlier;

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 in jury or advertising injury arising out of an offense committed before you acquired or formed the organization.

No person or organization is an insured with re spect to the conduct of any current or past part nership, joint venture or limited liability com pany that is not shown as a Named Insured in the Declarations.

10. BLANKET WAIVER OF SUBROGATION

The following is added to SECTION VII - GENERAL

CONDITIONS, I. TRANSFER OF RIGHTS OF RE

COVERY AGAINST OTHERS TO US.

When you have agreed to waive your right of sub rogation in a written contract, executed prior to loss, with any person or organization, we waive any right to recovery we may have against such person or organization because of payments we make for in jury or damage arising out of your on-going opera tions or your work done under a contract with that person or organization and included in the prod ucts-completed operations hazard.

11. FELLOW EMPLOYEE COVERAGE

a. Under SECTION II - COVERAGE, COVERAGE

A - BODILY INJURY AND PROPERTY DAM

AGE LIABILITY, 2. EXCLUSIONS, b. Bodily Injury And Property Damage Liability (other Than Auto), the following provision is added to exclusion (2):

This exclusion does not apply to any employee with respect to their bodily injury to a co employee which occurs during the course of their employment by you.

b. Under SECTION Ill - WHO IS AN INSURED, A.

with respect to operations in your business as described under SECTION II - COVERAGE, COVERAGE A - BODILY INJURY AND PROP

ERTY DAMAGE LIABILITY, 1. COVERAGE, a.

Bodily Injury and Property Damage Liability (other Than Auto), COVERAGE B AND

COVERAGEC:

2.a. is amended to include as an insured any employee with respect to their bodily injury to a co-employee which occurs during the course of their employment by you.

All other policy terms and conditions apply.

89909 (7-14) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 4 of 4