Insurance_25-26_SSCIP_Pkg_Renewal_Policy_Redacted.pdf

Social Service Contractors Indemnity Pool

SSKINSHIP (08/23) Includes wording © ISO Properties, Inc., used with permission Page 1 of 2

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

KINSHIP FOSTER CARE AMENDATORY ENDORSEMENT

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

SEXUAL OR PHYSICAL ABUSE OR MOLESTATION COVERAGE FORM

BUSINESS AUTO COVERAGE FORM

SOCIAL SERVICE AGENCY PROFESSIONAL LIABILITY COVERAGE FORM

A. This Endorsement applies to any claim against any insured or additional insured, under any of the above-referenced policies or coverage forms, if that claim arises from alleged negligence or other fault in waiving the requirement of a fingerprint clearance card for a kinship foster care parent pursuant to A.R.S. § 8-509.

B. EXCLUSION FOR CLAIMS ARISING FROM WAIVER OF FINGERPRINT CLEARANCE CARD

1. None of the above-referenced policies or coverage forms shall provide coverage for the State of

Arizona or its departments, agencies, boards, commissions, universities, officers, officials, agents or employees (collectively, “the State”) for any claim that arises from alleged negligence or other fault in waiving the requirement of a fingerprint clearance card for a kinship foster care parent pursuant to A.R.S. § 8-509. We will have no duty to defend or indemnify the State against any such claim. The only exceptions to these exclusion is set forth in subparagraph D, below.

2. In the context of any claim arising from alleged negligence or other fault in waiving the requirement of a fingerprint clearance card for a kinship foster care parent pursuant to A.R.S. § 8-509 that is made against any insured or additional insured other than “the State”, the above-referenced policies or coverage forms shall not provide coverage, since “the State” is obligated to defend and indemnify SSCIP members against such claims. To the extent “the State” fails to defend the insured, we will defend the insured against the claim pursuant to subparagraph D, below.

C. LIMITED EXCLUSION FOR CLAIMS ARISING FROM WAIVER OF FINGERPRINT CLEARANCE CARD

AND FROM NEGLIGENCE OF ANOTHER INSURED

This subparagraph applies to claims that arise, in part, from alleged negligence or other fault in waiving the requirement of a fingerprint clearance card for a kinship foster care parent pursuant to A.R.S. § 8-509 but also arise, in part, from the acts or omissions of the Named Insured or from injury or damage resulting from the Named Insured’s operations performed for “the State.”

1. In the context of any such claim, we will have no duty to defend “the State,” but we will owe a duty to indemnify the State for its vicarious liability for the Named Insured.

2. We will defend and indemnify any other insured(s) against such claims, subject to the terms and conditions of subparagraph D, below.

D. SUBLIMITED COVERAGE FOR KINSHIP FOSTER CARE CLAIMS -- DEFENSE WITHIN LIMITS

The “Limits of Insurance” section of each of the above-referenced policies is amended to include the following subparagraphs:

SSKINSHIP (08/23) Includes wording © ISO Properties, Inc., used with permission Page 2 of 2

In any claim or claims arising from alleged negligence or other fault in waiving the requirement of a fingerprint clearance card for a kinship foster care parent pursuant to A.R.S. § 8-509, the limit of coverage is $500,000.

This Limit of Insurance is the most we will pay for claims to which this endorsement applies, regardless of the number of:

a. Insureds;

b. Claims made or "suits" brought; or

c. Persons or organizations making claims or bringing "suits".

$500,000 also is the Aggregate Limit for claims to which this endorsement applies. This Aggregate Limit is the most we will pay for the sum of any covered medical expenses, covered damages, and “defense expenses.”

Any “defense expenses” we pay in any claim or “suit” we defend will reduce the Limit of Insurance that applies to claims to which this endorsement applies.

All other terms and conditions in the above-referenced policies or coverage forms remain the same.

SSCOMMDEC (01-21) Includes wording © ISO Properties, Inc., used with permission Page 1 of 2

COMMON COVERAGES

DECLARATIONS

Policy # 6000601-8

Replaces Policy # 6000601-8

THIS DECLARATIONS PAGE FOR INSURANCE COMPLETES THIS COVERAGE.

Item 1. NAMED INSURED AND MAILING ADDRESS:

Inspire Youth Homes

Item 2. CONTINUOUS COVERAGE PERIOD:

12:01 A.M. Standard Time at Named Insured Mailing Address Rating Period From: 04/01/2025 To: 04/01/2026

Item 3. NAMED INSURED IS: SOCIAL SERVICE CONTRACTOR

Item 4. SCHEDULE OF COVERAGES:

IN RETURN FOR THE PAYMENT OF PREMIUM, THE POOL AGREES TO PROVIDE THE INSURED

WITH THE FOLLOWING COVERAGES FOR WHICH PREMIUM IS SHOWN, SUBJECT TO ALL THE

TERMS AND CONDITIONS OF THE POOL'S MEMBERSHIP AGREEMENT AND THE APPLICABLE

COVERAGE FORMS AND ENDORSEMENTS:

Coverages Premium

PROPERTY Not Covered

INLAND MARINE Not Covered

EQUIPMENT BREAKDOWN Not Covered

GENERAL LIABILITY $ 32,146

AUTO LIABILITY $ 21,854

AUTOMOBILE PHYSICAL DAMAGE $ 2,682

CRIME Not Covered

TOTAL $ 56,682

Item 5. PREMIUM IS DUE AND PAYABLE: QUARTERLY

SSCOMMDEC (01-21) Includes wording © ISO Properties, Inc., used with permission Page 2 of 2

Item 6. COVERAGE FORMS AND ENDORSEMENTS APPLICABLE TO ALL COVERAGES:

SSELECCOM (11/21) SSKINSHIP (08/23) SSCOMMCON (01/21) SSCOMMAIAZ (08/21)

SSCOMMWOSAZ (08/21)

SSCOMMCON (01-21) Includes wording © ISO Properties, Inc., used with permission Page 1 of 2

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

COMMON POLICY CONDITIONS

All Coverage Parts included in this policy are subject to the following conditions.

A. Cancellation

1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation.

2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least:

a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium;or

b. 30 days before the effective date of cancellation if we cancel for any other reason.

3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us.

4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date.

5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered arefund.

6. If notice is mailed, proof of mailing will be sufficient proof ofnotice.

B. Changes

This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy.

C. Examination Of Your Books And Records

We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward.

D. Inspections And Surveys

1. We have the right to:

a. Make inspections and surveys at any time;

b. Give you reports on the conditions we find; and

c. Recommend changes.

2. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions:

a. Are safe or healthful; or

b. Comply with laws, regulations, codes or standards.

3. Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations.

4. Paragraph 2. of this condition does not apply to any inspections, surveys, reports or recommendations we may make relative to certification, under state or municipal statutes, ordinances or regulations, of boilers, pressure vessels orelevators.

SSCOMMCON (01-21) Includes wording © ISO Properties, Inc., used with permission Page 2 of 2

E. Premiums

The first Named Insured shown in the Declarations:

1. Is responsible for the payment of all premiums; and

2. Will be the payee for any return premiums we pay.

F. Transfer Of Your Rights And Duties Under This Policy

Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured.

If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property.

SSCOMMAIAZ (08-21) Includes wording © ISO Properties, Inc., used with permission Page 1 of 1

WHO IS AN INSURED - ADDITIONAL INSURED

Policy Number: 6000601-8 Effective Date: 04/01/2025

This endorsement modifies insurance provided under the following:

SOCIAL SERVICE AGENCY PROFESSIONAL LIABILITY COVERAGE FORM

SEXUAL OR PHYSICAL ABUSE OR MOLESTATION COVERAGE FORM

BUSINESS AUTO COVERAGE FORM (coverage applies to owned, leased, hired or borrowed vehicles) COMMERCIAL GENERAL LIABILITY COVERAGE FORM (including Products-Completed Operations Coverage)

Schedule:

Name Of Additional Insured Entities:

The State of Arizona, its departments, agencies, boards, commissions, and universities, and all officers, officials, agents, and employees of these entities, for losses arising from work performed by or on behalf of the Contractor.

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

The section entitled “Who is an Insured” in each of the coverage forms set forth above is amended to include as an insured the person or organization shown in the schedule, but only with respect to liability for injury or damage resulting from your operations performed for that insured and caused by your acts or omissions.

All other terms and conditions remain unchanged.

SSCOMMWOSAZ (08-21) Includes wording © ISO Properties, Inc., used with permission Page 1 of 1

WAIVER OF TRANSFER RIGHTS OF RECOVERY

Policy Number: 6000601-8 Effective Date:04/01/2025

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

BUSINESS AUTO COVERAGE FORM

SOCIAL SERVICE AGENCY PROFESSIONAL LIABILITY COVERAGE FORM

SEXUAL ABUSE LIABILITY COVERAGE FORM

SCHEDULE

Name of Person or Organization: the State of Arizona, its departments, agencies, boards, commissions, universities and all officers, officials, agents, and employees of these entities, for losses arising from work performed by or on behalf of the contractor.

1. The TRANSFER OF RIGHTS OF RECOVERY Condition (Section IV COMMERCIAL GENERAL LIABILITY CONDITIONS) is amended by the addition of the following:

We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damages arising out of your ongoing operations or "your work" done under a contract for that person or organization and included in the "products -completed operations hazard". This waiver applies only to the person or organization shown in the Schedule above.

2. The TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Condition (Section IV BUSINESS AUTO CONDITIONS) is amended by the addition of the following:

We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damages for “bodily injury” or “property damage” to which this insurance applies.

3. The TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Condition (Section IV PROFESSIONAL LIABILITY CONDITIONS) is amended by the addition of the following:

We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for “damages” resulting from a “wrongful act” to which this insurance applies.

4. The TRANSFER OF RIGHTS OF RECOVERY Condition (Section D., SEXUAL OR PHYSICAL ABUSE OR MOLESTATION CONDITIONS) is amended by the addition of the following:

We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damages due to “abuse” to which this insurance applies.

All other terms and conditions remain unchanged.

SSGLDEC (01-21) Includes wording © ISO Properties, Inc. Used with Permission. Page 1 of 2

LIABILITY COVERAGE AGREEMENT

DECLARATIONS

Policy # 6000601-8

Replaces Policy # 6000601-8

IN RETURN FOR THE PAYMENT OF THE PREMIUM, THE POOL AGREES TO PROVIDE THE INSURED WITH THE FOLLOWING COVERAGES FOR WHICH LIMITS OF LIABILITY ARE SHOWN BELOW, SUBJECT TO ALL THE TERMS AND CONDITIONS OF THE POOL'S APPLICABLE COVERAGE FORMS AND ENDORSEMENTS.

Item 1. "NAMED INSURED":

Inspire Youth Homes

Item 2. SCHEDULE

Description Limit of Liability

General Liability Each Claim/Occurrence/Offense/Wrongful Act

$ 1,000,000

Aggregate $ 2,000,000

Professional Liability Each Claim/Occurrence/Offense/Wrongful Act

$ 1,000,000

Aggregate $ 3,000,000

Employee Benefits Liability Each Claim/Occurrence/Offense/Wrongful Act

Not Covered

Aggregate Not Covered

Products-Completed Operations Aggregate Limit $ 2,000,000

Medical Payments Each Person $ 10,000

Damage To Premises Rented To You Limit Any One Premises $ 1,000,000

Data Security Breach Each Occurrence

Aggregate

50,000

50,000

Item 3. DEDUCTIBLES:

Each Occurrence $ 0

SSGLDEC (01-21) Includes wording © ISO Properties, Inc. Used with Permission. Page 2 of 2

Item 4. "RETROACTIVE DATE":

Professional 03/01/2019

Employee Benefits

Item 5. COVERAGE FORMS AND ENDORSEMENTS APPLICABLE TO THIS COVERAGE:

SSGLDEC (01/21) SSGLSCH (08/17) SSGLCOV (07/23) SSPLCOV (01/21)

SSGLEXCORPPUN

(08/17)

SSGLEXCOSMETIC

(01/21)

SSGLEXHLTH (01/21) SSGLEXTERR (01/21)

SSGLSCH (08-17) Page 1 of 1

SOCIAL SERVICES CONTRACTORS INDEMNITY POOL

LIABILITY COVERAGE AGREEMENT

LIABILITY SCHEDULE

Coverage Agreement Number: 6000601-8 Member: Inspire Youth Homes Rating Period From: 04/01/2025 12:01 AM at the Mailing Address on the Common Declarations

To: 04/01/2026

SCHEDULE OF OPERATIONS

Description Of Operation Exposure Basis Exposure

Premises/Operations:

Residential Facility All Area 11,544

Professional Liability Coverage:

Professional Liability Each Claim/Occurrence/Offense/Wrongful Act

Each 18

Explanation of Exposure Basis:

"Payroll" means the entire remuneration (including overtime) earned during the "rating period" by the employees in this department "Area" means area in square feet.

"Each" means per unit.

"Receipts" means the gross amount of money (including taxes) charged by the Member for this operation. This does not include taxes which are collected separately and remitted directly to this or any other governmental entity.

"Total Cost" means the total cost of operations performed by independent contractors for the Member during the "rating period", including the cost of labor, materials and equipment furnished, and all fees or commission made, whether paid or due.

"Other"

SSPLCOV (01/21) Includes wording © ISO Properties, Inc. Used with Permission. Page 1 of 14

PROFESSIONAL LIABILITY COVERAGE FORM

THIS COVERAGE FORM PROVIDES CLAIMS-MADE AND REPORTED COVERAGE

PLEASE READ THE ENTIRE FORM CAREFULLY

This is a claims-made and reported policy. "Claims" must be first made against the insured during the"policy period" or during the Extended Reporting Period, if applicable, and reported to us under the terms of Section IV, Paragraph 2. and Section V.

Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

Throughout this policy, the words “you” and “your” refer to the Named Insured shown in the Declarations. The words “we”, “us,” “our,” and “Pool” refer to the Social Service Contractors Indemnity Pool.

Other words and phrases that appear in quotation marks have special meaning. Refer to Section VI– Definitions.

SECTION I - COVERAGE

A. Insuring Agreement

1. We will pay those sums that the insured becomes legally obligated to pay as “damages” resulting from a “wrongful act” to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those “damages”. However, we will have no duty to defend the insured against any "suit" seeking “damages” to which this insurance does not apply. We may, at our discretion, investigate any “wrongful act,” and may settle any“claim” or "suit" that mayresult. But:

a. The amount we will pay for “damages” and Limited Supplementary Payments is limited as described in Section III – Limits of Insurance;and

b. Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment under this coverage of judgments orsettlements.

No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Limited Supplementary Payments.

2. This insurance applies to “wrongful acts” onlyif:

a. The “wrongful act” takes place in the "coverage territory";

b. The “wrongful act”, or series of “related wrongful acts,” commenced:

(1) Before the end of the policy period; and

(2) After the Retroactive Date, if any, shown in the Declarations, even if a series of “related wrongful acts” continues after the Retroactive Date.

c. A “claim” for “damages” because of a “wrongful act” is first made against an insured, and reported to us in accordance with Paragraph 3. below, during the policy period or any Extended Reporting Period we provide underSection V –ExtendedReportingPeriods; and

d. Prior to the “policy period,” no insured listed under Paragraph 1. of Section II — Who Is An Insured and no "employee" authorized by you to give or receive notice of “wrongful act,” “claim” or “suit” knew, or reasonably should have known of a “wrongful act” that was reasonably likely to result in a “claim” or “suit.”

3. A “claim” will be deemed to have been made at the earlier of the following times:

a. When notice of such “claim” is made and reported to us in accordance with the provisions of Section VI, Condition C. Duties In The Event Of A Claim Or A Wrongful Act That May Result In A Claim; or

b. When a "claim" against an insured is made directly to us in writing.

A "claim" received by the insured" during the "policy period and reported to us within 30 days after the end of the "policy period" will be considered to have been reported within the "policy

SSPLCOV (01/21) Includes wording © ISO Properties, Inc. Used with Permission. Page 2 of 14 period". However, this 30-day graceperiod does not apply to "claims" that are covered under any applicable Extended Reporting Period or subsequent insurance you purchase, or that would be covered but for exhaustion of the amount of insurance applicable to such "claims".

4. If during the "policy period," or any applicable Extended Reporting Period, you become aware of conduct that occurred before the end of the "policy period" that would reasonably be expected to result in, a "claim" against any insured, you must provide notice to us in accordance with the provisions of Section IV, Paragraph 2. If such notice is provided, then any "claim"subsequently made against any insured arising out of that conduct shall be deemed under this policy to be a "claim" made during the "policy period" in which the "wrongful act" was first reported to us.

5. All "claims" for damages because of one "wrongful act" or series of “related wrongful acts” against the same person or entity will be deemed to have been made at the time the first of such "claims" is made, regardless of the number of "claims" subsequently made, pursuant to Section IV. Paragraph 2.

6. All "claims" arising out of the same "wrongful act" or "related wrongful acts" by one or more insureds shall be considered a single "claim". This single "claim" will be deemed to have been made at the time the first of such "claim" arising out of the "wrongful act" or "related wrongful acts" was made, regardless of the number of "claims" subsequently made, pursuant to Paragraph C.1. of Section VI

- Conditions, or when notice of such "wrongful act" or "related wrongful acts" was first reported, pursuant to Section IV. Paragraph 2.

B. Exclusions

This insurance does not apply to:

1. Aircraft, Auto or Watercraft

“Damages” arising out of the ownership, maintenance, use or entrustment to others of any aircraft, “auto”or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and “loading or unloading”.

2. Breach ofContract

“Damages” arising out of the breach of any express warranty, guarantee or contract, or dispute over fees or charges for services or over any gain or personal profit or advantage to which an insured is not legally entitled.

3. ContractualLiability

“Damages”which the insured is obligated to pay by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for “damages” that the insured would have in the absence of the contract or agreement.

4. Dishonest or Criminal Acts

Any “claim” arising out of, in whole or in part, a criminal, fraudulent, malicious, dishonest or intentional act error or omission by an insured. However, this exclusion shall not apply to any insured who did not:

a. Personally commit;

b. Personally participate in;

c. Personally acquiesce to; or

d. Remain passive after having personal knowledge of any such criminal, fraudulent, malicious, dishonest or intentional acts, errors or omissions.

5. Employer'sLiability

Any “claim” by:

a. An "employee" of the insured arising out of and in the course of:

(1) Employment by the insured;or

(2) Performing duties related to the conduct of the insured's business; or

b. The spouse, child, parent, brother or sister of that "employee" as a consequence of

SSPLCOV (01/21) Includes wording © ISO Properties, Inc. Used with Permission. Page 3 of 14

Paragraph a. above.

This exclusion applies:

a. Whether the insured may be liable as an employer or in any other capacity; and

b. To any obligation to share “damages” with or repay someone else who must pay“damages”.

6. Employment-RelatedPractices

Any "claim" arising out of any insured's actual or alleged refusal to employ, wrongful termination of employment, coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, "discrimination", libel, slander or any other employment-related practices, policies, acts, errors or omissions.

7. Discrimination

Any "claim" arising from "discrimination".

8. Expected or Intended “Damages”

“Damages” expected or intended from the standpoint of the insured.

9. Prior Knowledge

Any “claim” or “suit” arising out of a “wrongful act” or series of “related wrongful acts” occurring prior to the “policy period” if, prior to the “policy period”:

a. any insured gave notice under any prior policy period of that “claim” or “suit;” or

b. any insured gave notice under any prior policy period of the “wrongful act” or series of “related wrongful acts” that caused the “damages” alleged in that “claim” or “suit;”

10. FinancialServices

a. Any “claim” based upon, attributable to or arising out of the rendering of or failure to render “financial services” by any insured;

b. Any "claim" based upon, attributable to or arising out of the rendering of investment advice by any insured in connection with the purchase, sale, or lack thereof, of securities, real estate or other investments.

11. LiabilityArising OutofSpecifiedProfessionalActivities

“Damages” for which the insured may be held liable as:

a. A licensed architect orengineer;

b. A licensedattorney;

c. A certified public accountant;

d. A “licensed medicalpractitioner”;

e. Anactuary;

f. An insurance agent or insurance broker;

g. A financial management consultant;

h. Proprietor, hospital administrator, officer, stockholder or member of the board of directors, trustees or governors of any hospital,sanitarium,clinic withbedandboard facilities, nursing home, or laboratory;

i. A member of a formal accreditation or similar professional board or committee; or

j. An engineer, architect orsurveyor.

12. Personal and AdvertisingInjury

“Damages” arising out of “personal and advertising injury”, except when directly resulting from a "professional service" performed by the insured.

13. Pollution

a. "Damages" for which the insured would not have been liable in whole or in part but for the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of “pollutants” at any time.

SSPLCOV (01/21) Includes wording © ISO Properties, Inc. Used with Permission. Page 4 of 14

b. Any loss, cost or expense arising out of any:

(1) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, “pollutants”;or

(2) Claim or “suit” by or on behalf of a governmental authority for “damages” because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, “pollutants”.

c. This exclusion is not limited to traditional environmental contaminants, but rather applies to all “damages” caused by “pollutants” as those terms are defined in this policy.

14. Services Furnished By Health CareProviders

“Damages” arising out of:

a. The rendering or failure to render:

(1) Medical, surgical, dental, x-ray, nursing, or psychiatric service, treatment, advice or instruction, or the related furnishing of food or beverages; or

(2) Any service, treatment, advice or instruction for the purpose of appearance or skin enhancement, hair removal or replacement, or personal grooming; or

b. The furnishing or dispensing of drugs or medical, dental or surgical supplies or appliances.

However, this exclusion does not apply to services usual to operations as a non-medical social service agency that are performed by an insured at the direction of a physician or "damages" arising out of the provision of "Incidental Medical Services."

15. War

“Damages” arising, directly or indirectly, out of:

a. War, includingundeclaredor civil war; or

b. Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or

c. Insurrection, rebellion, revolution, usurped power, or action takenby governmental authority in hindering or defending against anyof these.

16. Workers' Compensation and Similar Laws

Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.

17. Abuse or Molestation

a. Abuse or Molestation

(1) “Bodily injury” or “property damage” arising out of:

(a) “Abuse” of anyone by anyone if the insured is alleged to have committed, participated or assisted in the “abuse”; or

(b) “Abuse” of anyone while in the care, custody or control of any insured.

(2) The negligent:

(a) Employment;

(b) Investigation;

(c) Supervision;

(d) Reporting to the proper authorities, or failure to so report; or

(e) Retention;

of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by Paragraph (1) above.

18. Commitment Or Custodial Care

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“Damages” arising out of:

a. The commitment of a patient to a psychiatric institution unless such commitment was made in full compliance with the laws or statutes of the state wherein the commitment was made, or

b. The acceptance or undertaking of custodial care or responsibility of a patient pursuant to request, instruction, authorization or direction of any governmental agency, authorityboard or officer having such authority or responsibility.

19. Conduct Beyond Scope of State Service

"Damages" arising from any activities conducted, or "professional services" rendered, that are not within the scope of your contract with the State of Arizona.

20. Organic Pathogens

Any claim for loss or damage of any kind arising out of, resulting from, caused by, contributed to or aggravated by any “organic pathogen,” including any actual, alleged, possible or threatened infectious, pathogenic, toxic or other harmful properties of any “organic pathogen”, including any contact with or exposure to any “organic pathogen”.

C. Limited SupplementaryPayments

We will pay, with respect to any “claim” we investigate or settle or any "suit" against an insured we defend:

1. All expenses we incur.

2. The cost of appeals bonds and bonds to release attachments, but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds.

3. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the “claim” or "suit", including actual loss of earnings up to $100 a day because of time off from work.

4. All costs taxed against the insured in the "suit".

5. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer.

6. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance.

SECTION II – WHO IS AN INSURED

1. If you are designated in the Declarationsas:

a. An individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the soleowner.

b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but onlywith respect to the conduct of your business.

c. A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers.

d. An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but onlywith respect to their liabilityas stockholders.

e. A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees.

2. Each of the following is also an insured:

a. Your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your

SSPLCOV (01/21) Includes wording © ISO Properties, Inc. Used with Permission. Page 6 of 14 managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business.

However, none of these "employees" or "volunteer workers" are insureds for “damages”:

(1) To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), to a co-"employee" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business;

(2) To the spouse, child, parent, brother or sister of that co-"employee" or "volunteer worker" as a consequence of Paragraph (1)above;

(3) For which there is any obligation to share “damages” with or repay someone else who must pay “damages” because of the injury or damage described in Paragraphs

(1) or (2) above; or

(4) Arising out of his or her providing or failing to provide professional health care services. This exception does not apply to an insured providing "Incidental Medical Services" while acting within the scope of their employment by you and while performing duties relating to the conduct of your business as a social service contractor.

b. Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part.

c. Any other person or organization with whom you have a written contract that requires you to add such person or organization as an insured under this policy, but only with respect to that person’s or organization’s vicarious liability for “damages” solely caused by you and arising out of:

(1) Your duties as a social service contractor;

(2) That person’s ororganization’s financial control of you; or

(3) A permit issued to you bya state or political subdivision.

The Limits of Insurance applicable to Paragraph c. above are the lesser of those specified in the contract or in the Declarations.

3. No person or organization is an insured with respect to:

a. The conduct of any current or past partnership, joint venture or limited liabilitycompany that is not shown as a Named Insured in the Declarations;

b. Any claim or “suit” against that person or organization byany other insured; or

c. That personor organization’s activities as:

(1) A fosterparent;

(2) An officer, director, partner, trustee or “employee” of a pension, welfare, profit sharing, mutual or investment fund or trust, or anyrelated financial concerns;

(3) A public official; an “employee”of a governmental body, subdivisionor agency; or an arbitrator; or

(4) A fiduciary under the Employee Retirement Income Security Act of 1974 as now or hereafter amended, or under any similar federal, state or local laws.

SECTION III – LIMITS OF INSURANCE

1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of:

a. Insureds;

b. “Wrongful acts”;

c. “Claims” made or "suits" brought;or

d. Persons or organizations making “claims” or bringing "suits".

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2. The Aggregate Limit is the most we will pay for the sum of all “damages” under this coverage.

3. Subject to 2. above, the Each Wrongful Act Limit is the most we will pay under this coverage for the sum of “damages”” arising out of any one “wrongful act” or series of “related wrongful acts.”

4. No one will be entitled to receive duplicate payments for the same elements of loss under this coverage and any otherCoverage Part included in this policy.

5. Our obligation to pay “damages” and Limited Supplementary Payments on an insured’s behalf applies only to the amount of “damages” and Limited Supplementary Payments in excess of any Deductible amount stated in the Declarations.

The Deductible amount applies to all “damages” and Limited Supplementary Payments as the result of any one “wrongful act” or series of “related wrongful acts” , regardless of the number of persons or organizations who sustain “damages” because of that “wrongful act” or series of “related wrongful acts” .

We may pay any part or all of the Deductible amount to effect settlement of any “claim” or “suit” and, upon notification of the action taken, the first Named Insured shall promptly reimburse us for such part of the Deductible amount as we have paid.

The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months.

In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance.

6. INCIDENTAL MEDICAL SERVICES

In theevent thatan insured’s “professionalservices”and“IncidentalMedicalServices”concurrentlycause “damages” to a claimant or claimants, the “professional services”and “Incidental Medical Services” shall be deemed to be part of a single series “related wrongful acts.” In no event shall coverage for “damages” because of “Incidental Medical Services” expose the Pool to liability for more than the “Each Wrongful Act” shown in the Declarations.

SECTION IV – PROFESSIONAL LIABILITY CONDITIONS

1. Bankruptcy

Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part.

2. Duties In The Event of a Wrongful Act , Claim orSuit

a. If a "claim" is received by any insured, you must:

(1) Immediately record the specifics of the "claim" and the date received; and

b. Notify us, in writing, as soon as practicable. This insurance will not apply to any claim that is not made and reported to us during the policy period or any Extended Reporting Period we provide under SectionV –ExtendedReportingPeriods.

c. Youand any other involved insuredmust:

(1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the “claim” or a "suit";

(2) Authorizeus toobtain records andother information;

(3) Cooperate with us in the investigation or settlement of the “claim” or defense against the "suit"; and

(4) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the insured because of a “wrongful act” to which this insurance may also apply.

d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent.

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e. If you become aware of conduct that gives rise to a "claim" or that could reasonably give rise to a "claim", you must notify us, in writing, as soon as practicable. Such notice must provide:

(1) A description of the "wrongful act", including relevant dates;

(2) The names of the persons involved in the “wrongful act", including names of the potential claimants;

(3) Particulars as to the reasons for anticipating a "claim" that may result from such "wrongful act";

(4) The nature of the alleged or potential damages arising from such "wrongful act"; and

(5) The circumstances by which the insured first became aware of the "wrongful act."

3. Legal Action AgainstUs

No person or organization has a right under this Coverage Part:

a. To join us as a partyor otherwisebring us into a "suit" asking for “damages” from an insured;

or

b. To sue us on this Coverage Part unless all of its terms have been fully complied with.

A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for “damages” that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal representative.

4. Other Insurance

If other valid and collectible insurance is available to the insured for a loss we cover under this Coverage Part, our obligations are limited as follows:

a. Primary Insurance

This insurance is primary except when b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in c. below.

b. ExcessInsurance

This insurance is excess over:

(1) Any of the other insurance, whether primary, excess, contingent or on any other basis:

(a) That is effective prior to the beginning of the policy period shown in the Declarations of this insurance and applies to “damages” on other than a claims-made basis, if:

(i) No Retroactive Date is shown in the Declarations of this insurance;

or

(ii) The other insurance has a policy period which continues after the Retroactive Date shown in the Declarations of this insurance;or

(b) That is liability insurance purchased by any person or organization qualifying as an insured under Paragraph 2.c. of Section II – Who Is An Insured, unless a written contractual arrangement specifically requires this insurance tobeprimary.

(c) Any other insurance that applies to a “claim” for “damages” because of any negligent act, error or omission arising out of the provision of “Incidental Medical Services”, including any Professional Liability coverage issued to person or organization qualifying as an insured and providing coverage for professional medicalservices.

(2) Any other primary insurance available to you covering liability for “damages” arising out of professional activities for which you have been added as an additional

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When this insurance is excess, we will have no duty under this coverage to defend the insured against any "suit" if any other insurer also has a duty to defend the insured against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers.

When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of:

(a) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and

(b) The total of all deductible and self-insured amounts under all that other insurance.

We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part.

c. Method ofSharing

If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first.

If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers.

5. Representations

By accepting this policy, you agree:

a. The statements in the Declarations are accurate and complete;

b. Those statements are basedupon representations you made to us; and

c. Wehave issued this policy in relianceuponyour representations.

6. Separation of Insureds

Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance applies:

a. As if each Named Insured were the onlyNamed Insured; and

b. Separately to each insured against whom “claim” is made or "suit" is brought.

7. Transfer of Rights of Recovery Against Others To Us

If the insured has rights to recover all or part of any payment we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them.

8. When We Do NotRenew

If we decide not to renew this Coverage Part, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 90 days before the expiration date.

If notice is mailed, proof of mailing will be sufficient proof of notice.

9. When Your Business or Profession Changes

The first Named Insured must notify us of any change which might affect the terms of this insurance, including a change in:

a. Ownership or key “employees”;or

b. Services provided.

10. Insurance Under Two or More Coverages

It is our stated intention that the various coverage parts or policies issued to you by us, or any

SSPLCOV (01/21) Includes wording © ISO Properties, Inc. Used with Permission. Page 10 of 14 company affiliated with us, do not provide any duplication or overlap of coverage for the same “claim” or “suit”. If this policy and any other coverage part or policy issued to you by us, or any company affiliated with us, apply to the same occurrence, offense, wrongful act, accident, loss or damages, the maximum Limit of Insurance under all such coverage parts or policies combined shall not exceed the highest applicable Limit of Insurance under any one coverage part or policy. This condition does not apply to any Excess or Umbrella Policy issued by us specifically to apply as excess insurance over this policy.

SECTION V – EXTENDED REPORTING PERIODS

1. This coverage agreement provides a Basic Extended Reporting Period without an additional charge, subject to the terms and conditions below. The Basic Extended Reporting Period starts on the day that the “policy period” ends and lasts for 30 days. The Basic Extended Reporting Period will be provided if:

a. This coverage agreement is canceled or not renewed; or

b. We renewor replace this coverage agreement with insurance that:

(1) Has aRetroactiveDate later than thedateshown in theDeclarations of thisCoverage Part; or

(2) Does not provide coverage for “wrongful acts” on a claims-made basis.

c. The Basic Extended Reporting Period does not reinstate or increase the Aggregate Limit of Insurance.

d. The Basic Extended Reporting Period does not apply to "claims" that are covered under any subsequent insurance you purchase, or that would be covered but for exhaustion of the amount of insurance applicable to such "claims"

2. A Supplemental Extended Reporting Period Endorsement is available for purchase at an extra charge. This supplemental period starts on the day that the “policy period” ends and lasts for 12 months.

a. We have no obligation to offer a Supplemental Extended Reporting Period Endorsement to you if this coverage agreement is cancelled or not renewed for any of the following reasons:

(1) Failure to comply with the terms and provisions of this policy;

(2) Failure to cooperate with us;

(3) Fraud, concealment or material misrepresentation of facts in any application for this policy or any renewal policy;

(4) Nonpayment of any applicable deductible; or

(5) Nonpayment of premium.

b. In order to obtain the Supplemental Extended Reporting Period Endorsement, you must give us a written request for the endorsement within 30 days after the end of the “policy period.”The Supplemental Extended Reporting Period will not go into effect unless you pay the additional premium promptly when due.

c. Once in effect, the Supplemental Extended Reporting Period Endorsement cannot be cancelled.

d. We will determine the additional premium for the Supplemental Extended Reporting Period Endorsement in accordance with our rules and rates. In doing so, we may take into account the following:

(1) The exposures insured;

(2) Previous types and amounts ofinsurance;

(3) Limits of Insurance available under this Coverage Part for future payment of “damages”; and

(4) Other related factors.

The additional premium for each 12-month rating period will not exceed 200% of the annual premium for this Coverage Part.

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This endorsement shall set forth the terms, not inconsistent with this Section, applicable to the Supplemental Extended Reporting Period, including a provision to the effect that the insurance afforded for claims first received during such period is excess over any other valid and collectible insurance available under policies in force after the Supplemental Extended Reporting Period starts.

3. Extended Reporting Periods do not extend the policy period or change the scope of coverage provided. They apply only to claims to which the following applies:

a. The “claim” is first made during the Basic Extended Reporting Period;

b. The “wrongful act” occurs before the end of the policyperiod; and

c. The "wrongful act" occurs after the Retroactive Date, if any, shown in the Declarations.

4. Extended Reporting Periods do not reinstate or increase the Aggregate Limit of Insurance. There is no separate or additional Aggregate Limit of Insurance for the Extended Reporting Periods. The Aggregate Limit of Insurance available during any Extended Reporting Period shall be the remaining amount, if any, of the Aggregate Limit of Insurance available at the time this policy was cancelled or nonrenewed.

SECTION VI – DEFINITIONS

1. “Abuse” means actual, threatened, attempted or alleged acts of physical abuse, sexual abuse, sexual molestation, sexual assault, sexual exploitation, or any other sexual misconduct.

2. "Advertisement" means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purposes of this definition:

a. Notices that are published include material placed on the Internet or on similar electronic means of communication;and

b. Regarding websites, only that part of a website that is about your goods, products or services for the purposes of attracting customers or supporters is considered an “advertisement”.

3. "Claim" means:

a. A written demand for monetary damages or non-monetary relief;

b. A civil proceeding commenced by the service of a complaint or similar pleading; or

c. A formal administrative or regulatory proceeding commenced by the filing of a notice of charges, formal investigative order or similar document against any insured for a "wrongful act", including any associated appeal.

A "claim" also includes a written request received by an insured to…