Loading...
Insurance - GEO-ETKA - 2010-03-22 AC ORE) CERTIFICATE OF LIABILITY INSURANCE Azio)Tz2D PRODUCER (714)221-3900 FAX (719)221-2277 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION Armstrong/Robltallle/Riegle ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND OR Business & Insurance Services ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. 2127 W Orangewood Suite 100 Orange CA 92868 INSURERS AFFORDING COVERAGE NAIC# INSURED INSURER A Hartford Casualty Ins Co GEO-ETKA, Inc INSURER B 739 N Main Street INSURERC Orange CA 92868 INSURER 0 INSURER E COVERAGES 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 OUCH POLICIES AGGREGATE LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR!ADD' POLICY EFFECTIVE POLICY EXPIRATION TYPF OF INSIIRANCF POLICY NUMBER DATE IMM/DDTYYYYI DATE IMM DDIYYYYI LIMITS A GENERAL LIABILITY 172SfAUw0690 11/6/2009 11/6/2010 EACH OCCURRENCE $ 1,000,000 DAMAGE TO RENTED X COMMERCIAL GENERAL LIABILITY PREMISES(Ea occurrence) $ 300,000 ]CLAIMS MADE X OCCUR MED EXP(Any one person) $ 10,000 PERSONAL&ADV INJURY $ 1,000,000 GENERAL AGGREGATE $ 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER PRODUCTS-COMP/OP AGG $ 2,000 000 XI POLICY n PRO- OC ECT A AUTOMOBILE LIABILITY 72UECKB2507 11/6/2009 11/6/2010 COMBINED SINGLE LIMIT $ 1 000 000 X ANY AUTO (Ea ode I) ALL OWNED AUTOS BODILY INJURY SCHEDULED AUTOS (Pe person) $ X HIRED AUTOS BODILY INnt) $ X NON-OWNED AUTOS (Pe accident) PROPERTY DAMAGE (Pe accident) GARAGE LIABILITY AL/TO ONLY EA ACCIDENT $ ANY AUTO OTHER THAN EA ACC $ AUTO ONLY AGG $ A EXCESS!UMBRELLA LIABILITY 72SBAUW0690 11/6/2009 11/6/2010 EACH OCCURRENCE $ 2,000,000 X OCCUR CLAIMS MADE AGGREGATE $ - 2,000,000 DEDUCTIBLE $ X RETENTION $ 10,000 $ WORKERS COMPENSATION WCSTATU- 0TH- AND EMPLOYERS LIABILITY YIN TORY LIMITS FR PROPRIETORIPARTNER/EXECUTIVE EL EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? (Mandatory NH) E L DISEASE EA EMPLOYEE $ Ii yes.descnbe under SPECIAL PROVISIONS below E L DISEASE POLICY LIMIT $ OTHER DESCRIPTION OF OPERATIONS/LOCATIONS I VEHICLES I EXCLUSIONS ADDED BY ENDORSEMENT?SPECIAL PROVISIONS Certificate Holde Costa Mesa Sanitary District named additional insured where required by written contract per form SS 00 09 04 05 page 20 of 24 •30 days written otice of cancellation except 10 days fo non-payment of premium. CERTIFICATE HOLDER CANCELLATION RBHINC @Pacbell net SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION Costa Mesa Sanitary District DATE THEREOF THE ISSUING INSURER WILL ENDEAVOR TO MAIL 30 DAYS WRITTEN 628 West 19th Street NOTICE TO THE CERTIFICATE HOLDER NAMED TO THE LEFT,BUT FAILURE TO D050 SHALL Costa Mesa CA 92627 IMPOSE NO OBLIGATION OR LIABILITY OF ANY KIND UPON THE INSURER,ITS AGENTS OR REPRESENTATIVES AUTHORIZED REPRESENTATIVE Dan Armstrong/LARANA ACORD 25(2009/01) ©1988-2009 ACORD CORPORATION. All rights reserved. INS025(200901) The ACORD name and logo are registered marks of ACORD IMPORTANT If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). 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). DISCLAIMER This Certificate of Insurance does not constitute a contract between the issuing insurer(s), authorized representative or producer and the certificate holder nor does it affirmatively or negatively amend, extend or alter the coverage afforded by the policies listed thereon. ACORD 25(2009/01) INS025 Room) it BUSINESS LIABILITY COVERAGE FORM 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' and"our refer to the stock insurance company member of The Hartford providing this insurance. The word 'insured"means any person or organization qualifying as such under Section C. Who Is An Insured. n Other words and phrases that appear in quotation marks have special meaning. Refer to Section G. Liability And N. Medical Expenses Definitions. ri rf ,-, A. COVERAGES (a) The "bodily injury' or "property c 1. BUSINESS LIABILITY COVERAGE (BODILY damage" is caused by an o INJURY PROPERTY DAMAGE, PERSONAL occurcence" that takes place in the ON AND ADVERTISING INJURY) 'coverage territory" Insuring Agreement (b) The "bodily injury" or 'property N damage" occurs during the policy N a. We will pay those sums that the insured period; and c. becomes legally obligated to pay as In damages because of 'bodily injury' Ic) Prior to the policy period, no insured o listed under Paragraph 1 of Section it 'property damage' or 'personal and C. — Who Is An Insured and no advertising injury" to which this insurance applies. We will have the right and duty to 'employee' authorized by you to give or receive notice of an 'occurrence" defend the insured against any 'suit' or claim, knew that the 'bodily injury" seeking those damages. However we will or 'property damage' had occurred, have no duty to defend the insured against in whole or in part. If such a listed any 'suit' seeking damages for 'bodily insured or authorized "employee' injury' "property damage" or 'personal and advertising injury" to which this insurance knew, prior to the policy period, that does not apply the "bodily injury" or 'property damage" occurred, then any We may at our discretion, investigate any continuation, change or resumption "occurrence"or offense and settle any claim of such "bodily injury" or 'property or"suit' that may result. But: damage" during or after the policy Y _ (1) The amount we will pay for damages is period will be deemed to have been limited as described in Section D. known prior to the policy period. Liability And Medical Expenses Limits (2) To 'personal and advertising injury' Of Insurance;and caused by an offense arising out of your (2) Our right and duty to defend ends when business, but only if the offense was we have used up the applicable limit of committed in the "coverage territory" insurance in the payment of judgments, during the policy period. settlements or medical expenses to which c. "Bodily injury' or "property damage" will be this insurance applies. deemed to have been known to have No other obligation or liability to pay sums or occurred at the earliest time when any perform acts or services is covered unless insured listed under Paragraph 1 of Section explicitly provided for under Coverage C. — Who Is An Insured or any "employee" Extension Supplementary Payments. authorized by you to give or receive notice b. This insurance applies: of an 'occurrence" or claim: — (1) To 'bodily injury' and "property(1) Reports all, or any part, of the "bodily damage' only if: injury' or "property damage' to us or any other insurer Form SS 00 08 04 05 Page 1 of 24 ® 2005, The Hartford BUSINESS LIABILITY COVERAGE FORM (2) Receives a written or verbal demand or b. We will make these payments regardless of claim for damages because of the "bodily fault. These payments will not exceed the injury' or"property damage or applicable limit of insurance. We will pay (3) Becomes aware by any other means that reasonable expenses for bodily injury' or 'property damage' has (1) First aid administered at the time of an occurred or has begun to occur accident; d. Damages because of 'bodily injury' include (2) Necessary medical, surgical, x-ray and damages claimed by any person or denial services, including prosthetic organization for care, loss of services or devices; and death resulting at any time from the 'bodily (3) Necessary ambulance, hospital, injury' professional nursing and funeral e. Incidental Medical Malpractice services. (1) 'Bodily injury arising out of the 3. COVERAGE EXTENSION rendering of or failure to render SUPPLEMENTARY PAYMENTS professional health care services as a a. We will pay with respect to any claim or physician, dentist, nurse emergency "suit" we investigate or settle, or any 'suit' medical technician or paramedic shall against an insured we defend: be deemed to be caused by an 'occurrence but only if: (1) All expenses we incur (a) The physician, dentist, nurse, (2) Up to $1,000 for the cost of bail bonds emergency medical technician or required because of accidents or traffic paramedic is employed by you to law violations arising out of the use of provide such services; and any vehicle to which Business Liability (b) You are not engaged in the Coverage for"bodily injury applies. We business or occupation of providing do not have to furnish these bonds. such services. (3) The cost of appeal bonds or bonds to (2) For the purpose of determining the release attachments, but only for bond amounts within the applicable limit of limits of insurance for incidental medical insurance. We do not have to furnish malpractice, any act or omission these bonds. together with all related acts or omissions in the furnishing of these (4) All reasonable expenses incurred by the services to any one person will be insured at our request to assist us in the considered one occurrence' investigation or defense of the claim or 2. MEDICAL EXPENSES 'suit' including actual loss of earnings up to $500 a day because of time off Insuring Agreement from work. a. We will pay medical expenses as descnbed (5) All costs taxed against the insured in below for 'bodily injury' caused by an the 'suit' accident: (6) Prejudgment interest awarded against (1) On premises you own or rent; the insured on that part of the judgment (2) On ways next to premises you own or we pay If we make an offer to pay the rent: or applicable limit of insurance, we will not (3) Because of your operations; pay any prejudgment interest based on that period of time after the offer provided that: (7) All interest on the full amount of any (1) The accident takes place in the judgment that accrues after entry of the 'coverage territory' and during the judgment and before we have paid, policy period; offered to pay or deposited in court the (2) The expenses are incurred and reported part of the judgment that is within the to us within three years of the date of applicable limit of insurance. the accident; and Any amounts paid under (1) through (7) (3) The injured person submits to above will not reduce the limits of insurance. examination, at our expense, by physicians of our choice as often as we reasonably require. Page 2 of 24 Form SS 00 08 04 05 BUSINESS UABILITY COVERAGE FORM b. If we defend an insured against a "suit' So long as the above conditions are met, and an indemnitee of the insured is also attorneys' fees incurred by us in the named as a party to the 'suit' we will defense of that indemnitee, necessary defend that indemnitee if all of the litigation expenses incurred by us and following conditions are met: necessary litigation expenses incurred (1) The 'suit' against the indemnitee by the indemnitee at our request will be seeks damages for which the insured paid as Supplementary Payments. has assumed the liability of the Notwithstanding the provisions of indemnitee in a contract or agreement Paragraph 1.b.(b) of Section B. — that is an 'insured contract" Exclusions, such payments will not be (2) This insurance applies to such liability deemed to be damages for 'bodily d, assumed by the insured; injury" and 'property damage' and will .-+ not reduce the Limits of Insurance. r• (3) The obligation to defend, or the cost of - the defense of, that indemnitee, has Our obligation to defend an insured's also been assumed by the insured in indemnitee and to pay for attorneys' fees ri the same"insured contract' and necessary litigation expenses as o o (4) The allegations in the "suit' and the Supplementary Payments ends when: CI information we know about the (1) We have used up the applicable limit up o "occurrence' are such that no conflict of insurance in the payment of o appears to exist between the interests judgments or settlements;or of the insured and the interest of the (2) The conditions set forth above, or the t- ry terms of the agreement described in ,°r, (5) The indemnitee and the insured ask Paragraph(6)above,are no longer met. ° . us to conduct and control the defense B. EXCLUSIONS of that indemnitee against such 'suit' 1 Applicable To Business Liability Coverage and agree that we can assign the same counsel to defend the insured This insurance does not apply to: and the indemnitee; and a. Expected Or Intended Injury (6) The indemnitee: (1) "Bodily injury" or "property damage" (a) Agrees in writing to: expected or intended from the (i) Cooperate with us in the standpoint of the insured. This investigation, settlement or exclusion does not apply to 'bodily defense of the 'suit' injury' or 'property damage' resulting from the use of reasonable force to (ii) Immediately send us copies of protect persons or property' or any demands, notices, (2) 'Personal and advertising injury" or legal papers ( ) 9 i fury" arising received in connection with out of an offense committed by at the the 'suit" direction of or with the consent or acquiescence of the insured with the (iii) Notify any other insurer whose expectation of inflicting 'personal and coverage is available to the advertising injury' — ndemnitee' and b. Contractual Liability (iv) Cooperate with us with e respect to coordinating other (1) "Bodily injury"or"property damage' or applicable insurance available (2) 'Personal and advertising injury' to the indemnitee; and for which the insured is obligated to pay (b) Provides us with written damages by reason of the assumption of authorization to: liability in a contract or agreement. (i) Obtain records and other This exclusion does not apply to liability information related to the for damages because of: "suit' and (a) 'Bodily injury" "property damage"or (ii) Conduct and control the 'personal and advertising injury"that defense of the indemnitee in the insured would have in the such"suit' absence of the contract or agreement;or Form SS 00 08 04 05 Page 3 of 24 BUSINESS LIABILITY COVERAGE FORM (b) "Bodily injury" or 'property damage' (b) Performing duties related to the assumed in a contract or agreement conduct of the insured's business,or that is an "insured contract' (2) The spouse, child, parent, brother or provided the 'bodily injury' or sister of that 'employee' as a 'property damage' occurs consequence of(1)above. subsequent to the execution of the This exclusion applies: contract or agreement. Solely for the purpose of liability assumed in (1) Whether the insured may be liable as an "insured contract' reasonable an employer or in any other capacity' attorneys' fees and necessary and litigation expenses incurred by or for (2) To any obligation to share damages a party other than an insured are with or repay someone else who must deemed to be damages because of pay damages because of the injury 'bodily injury or"property damage' This exclusion does not apply to liability provided: assumed by the insured under an insured (i) Liability to such party for or for contract' the cost of, that party's defense f. Pollution has also been assumed in the same 'insured contract' and (1) 'Bodily injury' 'property damage' or 'personal and advertising injury' (ii) Such attorneys' fees and arising out of the actual, alleged or litigation expenses are for threatened discharge, dispersal, defense of that party against a seepage, migration, release or escape civil or alternative dispute of 'pollutants' resolution proceeding in which damages to which this (a) At or from any premises, site or insurance applies are alleged. location which is or was at any time owned or occupied by or c. Liquor Liability rented or loaned to any insured. 'Bodily injury' or 'property damage' for However this subparagraph does which any insured may be held liable by not apply to: reason of: (i) "Bodily injury"if sustained within (1) Causing or contributing to the a building and caused by intoxication of any person: smoke, fumes, vapor or soot (2) The furnishing of alcoholic beverages to produced by or originating from a person under the legal drinking age or equipment that is used to heat, under the influence of alcohol;or cool or dehumidify the building, (3) Any statute, ordinance or regulation or equipment that is used to relating to the sale, gift, distribution or heat water for personal use, by use of alcoholic beverages, the building's occupants or their guests; This exclusion applies only if you are in the business of manufacturing, distributing, (ii) 'Baldly injury' or 'property selling, serving or furnishing alcoholic held li' for which you may be beverages. held lable, if you are a contractor and the owner or d. Workers' Compensation And Similar Laws lessee of such premises,site or location has been added to your Any obligation of the insured under a policy as an additional insured workers' compensation, disability benefits with respect to your ongoing or unemployment compensation law or operations performed for that any similar law additional insured at that e. Employer's Liability premises, site or location and 'Bodily injury" to: such premises, site or location (1) An "employee' of the insured arising is not and never was owned or out of and in the course of: occupied by or rented or loaned to, any insured, other (a) Employment by the insured;or than that additional insured;or Page 4of24 Form SS 00 08 04 OS BUSINESS LIABILITY COVERAGE FORM (iii) "Bodily injury" or "property released as part of the damage' arising out of heat, operations being performed smoke or fumes from a by such insured, contractor or "hostile fire" subcontractor; (b) At or from any premises, site or (ii) "Bodily injury" or 'property location which is or was at any damage' sustained within a time used by or for any insured or building and caused by the others for the handling, storage, release of gases, fumes or disposal, processing or treatment vapors from materials brought of waste; into that building in connection (c) Which are or were at any time with operations being performed in transported, handled, stored, by you or on your behalf by a ri treated, disposed of, or processed contractor or subcontractor or H as waste by or for (iii) 'Bodily injury' or 'property (i) Any insured; or damage' arising out of heat, ti smoke or fumes from a o (ii) Any person or organization for "hostile fire' or rl o whom you may be legally responsible; (e) At or from any premises, site or m location on which any insured or any o (d) At or from any premises, site or contractors or subcontractors location on which any insured or working directly or indirectly on any N any contractors or subcontractors insured's behalf are performing o working directly or indirectly on operations it the operations are to in any insured's behalf are o test for, monitor, clean up, remove, „ performing operations if the contain, treat, detoxify or neutralize, "pollutants' are brought on or to or in any way respond to,or assess the premises, site or location in the effects of,"pollutants' connection with such operations by such insured, contractor or (2) Any loss, cost or expense arising out subcontractor However this of any' subparagraph does not apply to: (a) Request,demand,order or statutory (i) 'Bodily injury' or "property or regulatory requirement that any damage' arising out of the insured or others test for monitor escape of fuels, lubricants or clean up, remove, contain, treat, other operating fluids which are detoxify or neutralize, or in any way needed to perform the normal respond to, or assess the effects of, electrical, hydraulic or "pollutants" or mechanical functions (b) Claim or suit by or on behalf of a necessary for the operation of governmental authority for "mobile equipment' or its parts, damages because of testing for if such fuels, lubricants or other monitoring, cleaning up, removing, operating fluids escape from a containing, treating, detoxifying or vehicle part designed to hold, neutralizing, or in any way store or receive them. This responding to, or assessing the exception does not apply if the effects of, 'pollutants' 'bodily injury' or 'property However this paragraph does not damage" arises out of the apply to liability for damages because intentional discharge, dispersal of "property damage' that the insured or release of the fuels, would have in the absence of such lubricants or other operating request, demand, order or statutory or fluids, or if such fuels, regulatory requirement, or such claim lubricants or other operating or 'suit' by or on behalf of a fluids are brought on or to the governmental authority premises, site or location with the intent that they be discharged, dispersed or Form SS 00 08 04 05 Page 5 of 24 BUSINESS LIABILITY COVERAGE FORM g. Aircraft,Auto Or Watercraft (2) The use of 'mobile equipment' in, or 'Bodily injury' or 'property damage arising while in practice or preparation for a out of the ownership, maintenance, use or prearranged racing, speed or entrustment to others of any aircraft, 'auto' demolition contest or in any stunting or watercraft owned or operated by or rented activity or loaned to any insured. Use includes i. War operation and 'loading or unloading 'Bodily injury" 'property damage' or This exclusion applies even if the claims 'personal and advertising injury' however against any insured allege negligence or caused,arising,directly or indirectly,out of: other wrongdoing in the supervision, hiring, (1) War including undeclared or civil war employment, training or monitoring of others by that insured, if the "occurrence" which (2) Warlike action by a military force, caused the 'bodily injury' or 'property including action in hindering or damage" involved the ownership, defending against an actual or maintenance, use or entrustment to others of expected attack, by any government, any aircraft, auto' or watercraft mat is sovereign or other authority using owned or operated by or rented or loaned to military personnel or other agents; or any insured (3) Insurrection, rebellion, revolution, This exclusion does not apply to: usurped power or action taken by (1) A watercraft while ashore on premises governmental authority in hindering or defending against any of these. you own or rent; (2) A watercraft you do not own that is: J Professional Services 'Bodily injury 'property damage' or (a) Less than 51 feet long; and "personal and advertising injury' arising (b) Not being used to carry persons out of the rendering of or failure to render for a charge; any professional service. This includes (3) Parking an 'auto' on, or on the ways but is not limited to: next to, premises you own or rent, (1) Legal, accounting or advertising provided the auto is not owned by or services; rented or loaned to you or the insured, (2) Preparing, approving, or failing to (4) Liability assumed under any "insured prepare or approve maps, shop contract' for the ownership, drawings, opinions, reports, surveys, maintenance or use of aircraft or field orders, change orders, designs or watercraft; drawings and specifications; (5) 'Bodily injury' or 'property damage' (3) Supervisory inspection, architectural arising out of the operation of any of or engineering activities; the equipment listed in Paragraph f.(2) (4) Medical, surgical, dental, x-ray or or f.(3) of the definition of 'mobile nursing services treatment, advice or equipment' or instruction; (6) An aircraft that is not owned by any (5) Any health or therapeutic service insured and is hired,chartered or loaned treatment, advice or instruction; with a paid crew. However this exception does not apply if the insured (6) Any service, treatment, advice or has any other insurance for such 'bodily instruction for the purpose of injury' or property damage' whether appearance or skin enhancement, hair the other insurance is primary excess, removal or replacement or personal contingent or on any other basis. grooming; h. Mobile Equipment (7) Optical or hearing aid services including the prescribing, preparation, 'Bodily injury or property damage' fitting, demonstration or distribution of arising out of: ophthalmic lenses and similar (1) The transportation of 'mobile equipment" products or hearing aid devices; by an 'auto' owned or operated by or rented or loaned to any insured;or Page 6 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (8) Optometry or optometric services Paragraphs (1), (3) and (4) of this including but not limited to examination exclusion do not apply to 'property of the eyes and the prescribing, damage' (other than damage by fire) to preparation, fitting,demonstration or premises, including the contents of such distribution of ophthalmic lenses and premises, rented to you for a period of 7 or similar products; fewer consecutive days. A separate Limit (9) Any of Insurance applies to Damage To (a) Body piercing (not including ear Premises Rented To You as described in Section D. Limits Of Insurance. piercing); (b) Tattooing, including but not limited Paragraph (2) of this exclusion does not apply if the premises are 'your work' and to the insertion of pigments into or were never occupied, rented or held for under the skin; and rental by you. r (c) Similar services; Paragraphs (3) and (4)of this exclusion do (10) Services in the practice of pharmacy' not apply to the use of elevators. and (3),Paragraphs ( ), (4), (5) and (6) of this ..i (11) Computer consulting, design or exclusion do not apply to liability assumed a programming services, including web under a sidetrack agreement. osite design. Paragraphs(3)and (4)of this exclusion do Paragraphs (4)and(5)of this exclusion do not apply to 'property damage' to not apply to the Incidental Medical borrowed equipment while not being used cg o Malpractice coverage afforded under to perform operations at a job site. oParagraph 1.e. in Section A. Coverages. Paragraph (6) of this exclusion does not k. Damage To Property apply to 'property damage" included in the 'Property damage' to: 'products-completed operations hazard' (1) Property you own, rent or occupy I. Damage To Your Product including any costs or expenses 'Property damage' to 'your product" incurred by you, or any other person, arising out of it or any part of it. organization or entity for repair m. Damage To Your Work replacement, enhancement, restoration or maintenance of such "Property damage' to 'your work' arising property for any reason, including out of it or any part of it and included in the prevention of injury to a person or 'products-completed operations hazard" damage to another's property This exclusion does not apply if the (2) Premises you sell, give away or damaged work or the work out of which abandon, if the"property damage' arises the damage arises was performed on your _ out of any part of those premises; behalf by a subcontractor (3) Property loaned to you; n. Damage To Impaired Property Or Property Not Physically Injured (4) Personal property in the care, custody 'Property damage' to 'impaired property" or control of the insured; P y 9 paired (5) That particular part of real property on or property that has not been physically injured, arising out of: which you or any contractors or e subcontractors working directly or 11► A defect, deficiency inadequacy or indirectly on your behalf are performing dangerous condition in 'your product' ° operations, if the 'property damage' or 'your work' or arises out of those operations;or (2) A delay or failure by you or anyone _ (6) That particular part of any property acting on your behalf to perform a that must be restored, repaired or contract or agreement in accordance _ replaced because 'your work" was with its terms. incorrectly performed on it. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to "your product" or 'your work' after it has been put to its intended use. Form SS 00 08 04 05 Page 7 of 24 BUSINESS LIABILITY COVERAGE FORM o. Recall Of Products, Work Or Impaired (c) Title of any literary or artistic work; Property (8) Arising out of an offense committed by Damages claimed for any loss, cost or an insured whose business is: expense incurred by you or others for the (a) Advertising, broadcasting, loss of use, withdrawal, recall, inspection, publishing or telecasting; repair replacement, adjustment, removal or disposal of: (b) Designing or determining content of web sites for others: or (1) 'Your product" (c) An Internet search, access, (2) 'Your work" or content or service provider (3) 'Impaired property' However this exclusion does not if such product, work or property is apply to Paragraphs a. b. and c. withdrawn or recalled from the market or under the definition of personal and from use by any person or organization advertising injury in Section G. — because of a known or suspected defect, Liability And Medical Expenses deficiency inadequacy or dangerous Definitions. condition in it. For the purposes of this exclusion, p. Personal And Advertising Injury placing an 'advertisement' for or "Personal and advertising injury" linking to others on your web site, by (1) Arising out of oral, written or electronic itself, is not considered the business publication of material, if done by or at of rig o advertising, broadcasting, the direction of the insured with publishing or telecasting; knowledge of its falsity (9) Arising out of an electronic chat room (2) Arising out of oral,written or electronic or bulletin board the insured hosts. publication of material whose first owns, or over which the insured publication took place before the exercises control; beginning of the policy penod; (10) Arising out of the unauthorized use of (3) Arising out of a criminal act committed another's name or product in your e-mail by or at the direction of the insured; address, domain name or metatags, or any other similar tactics to mislead (4) Arising out of any breach of contract, another's potential customers; except an implied contract to use (11) Arising out of the violation of a another's 'advertising idea' in your 'advertisement' person's right of privacy created by any state or federal ad. (5) Arising out of the failure of goods, products or services to conform with However this exclusion does not any statement of quality or apply to liability for damages that the performance made in your insured would have in the absence of advertisement' such state or federal act; (6) Arising out of the wrong descnption of (12) Arising out of: the price of goods, products or services; (a) An advertisement' for others on (7) Arising out of any violation of any your web site; intellectual property rights such as (b) Placing a link to a web site of copyright, patent, trademark, trade others on your web site; name trade secret, service mark or (c) Content from a web sde of others other designation of origin or displayed within a frame or border authenticity on your web site. Content includes However this exclusion does not information, code, sounds, text, apply to infringement, in your graphics or images;or "advertisement" of (d) Computer code, software or (a) Copyright; programming used to enable: (b) Slogan, unless the slogan is also (i) Your web site;or a trademark, trade name, service (ii) The presentation or functronaldy mark or other designation of origin of an advertisement" or other or authenticity' or content on your web site; Page 8 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (13) Arising out of a violation of any anti- (a) May be awarded or incurred by trust law; mason of any claim or suit (14) Arising out of the fluctuation in price or alleging actual or threatened injury value of any stocks, bonds or other or damage of any nature or kind to securities; or persons or property which would (15) Arising out of discrimination or not have occurred in whole or in humiliation committed by or at the part but for the 'asbestos hazard' direction of any 'executive officer (b) Arise out of any request, demand, director stockholder partner or order or statutory or regulatory member of the insured. requirement that any insured or q. Electronic Data others test for monitor clean up, remove, encapsulate, contain, N Damages arising out of the loss of, loss of treat, detoxify or neutralize or in -I use of, damage to, corruption of, inability any way respond to or assess the "'' to access, or inability to manipulate effects of an 'asbestos hazard' or 'electronic data' .-1 (c) Arise out of any claim or suit for o r Employment-Related Practices damages because of testing for ri oo 'Bodily injury' or"personal and advertising monitoring, cleaning up, removing, cr, tl, injury"to: encapsulating, containing, treating, o detoxifying or neutralizing or in any (1) A person arising out of any N way responding to or assessing the r- (a) Refusal to employ that person; effects of an"asbestos hazard" N o (b) Termination of that person's t. Violation Of Statutes That Govern E in o employment;or Mails, Fax, Phone Calls Or Other (c) Employment-related practices, Methods Of Sending Material Or policies, acts or omissions, such as Information coercion, demotion, evaluation, 'Bodily injury' 'property damage' or reassignment, discipline, 'personal and advertising injury" arising defamation, harassment, humiliation directly or indirectly out of any action or or discrimination directed at that omission that violates or is alleged to person;or violate: (2) The spouse, child, parent, brother or (1) The Telephone Consumer Protection sister of that person as a Act(TCPA), including any amendment consequence of "bodily injury" or of or addition to such law; "personal and advertising injury' to the person at whom any of the (2) The CAN-SPAM Act of 2003, including employment-related practices any amendment of or addition to such described in Paragraphs(a), (b), or(c) law or above is directed. (3) Any statute, ordinance or regulation, other than the TCPA or CAN-SPAM Act This exclusion applies: of 2003, that prohibits or limits the (1) Whether the insured may be liable as sending, transmitting, communicating or an employer or in any other capacity distribution of material or information. and Damage To Premises Rented To You - (2) To any obligation to share damages Exception For Damage By Fire, Lightning with or repay someone else who must or Explosion pay damages because of the injury Exclusions c. through h. and k. through o. do s. Asbestos not apply to damage by fire, lightning or (1) "Bodily injury" "property damage' or explosion to premises rented to you or "personal and advertising injury' temporarily occupied by you with permission of —_ arising out of the"asbestos hazard" the owner A separate Limit of Insurance (2) Any damages, judgments, settlements, applies to this coverage as described in loss,costs or expenses that: Section D. Liability And Medical Expenses Limits Of Insurance. Form SS 00 08 04 05 Page 9 of 24 BUSINESS LIABILITY COVERAGE FORM 2. Applicable To Medical Expenses Coverage e. A trust, you are an insured. Your trustees We will not pay expenses for 'bodily injury' are also insureds, but only with respect to a. Any Insured their duties as trustees. To any insured,except 'volunteer workers' 2. Each of the following is also an insured: b. Hired Person a. Employees And Volunteer Workers To a person hired to do work for or on behalf Your volunteer workers' only while of any insured or a tenant of any insured. performing duties related to the conduct of your business, or your 'employees' other c. Injury On Normally Occupied Premises than either your 'executive officers' Of you To a person injured on that part of are an organization other than a premises you own or rent that the person partnership, joint venture or limited liability normally occupies. company) or your managers (if you are a d. Workers' Compensation And Similar limited liability company), but only for ads Laws within the scope of their employment by To a person, whether or not an you or while performing duties related to 'employee' of any insured, it benefits for the conduct of your business. the "bodily injury' are payable or must be However none of these 'employees' or provided under a workers' compensation 'volunteer workers' are insureds for or disability benefits law or a similar law. (1) 'Bodily injury' or 'personal and e. Athletics Activities advertising injury' To a person injured while practicing, (a) To you, to your partners or instructing or participating in any physical members Of you are a partnership exercises or games, sports or athletic or joint venture), to your members contests. (if you are a limited liability f. Products-Completed Operations Hazard company), or to a co-'employee' while in the course of his or her Included with the 'products-completed employment or performing duties operations hazard' related to the conduct of your g. Business Liability Exclusions business, or to your other Excluded under Business Liability Coverage 'volunteer workers' while performing duties related lo the C. WHO IS AN INSURED conduct of your business; 1 If you are designated in the Declarations as: (b) To the spouse, child, parent, a. An individual, you and your spouse are brother or sister of that co- insureds, but only with respect to the employee' or that 'volunteer conduct of a business of which you are the worker as a consequence of sole owner Paragraph (1)(a)above, b. A partnership or joint venture, you are an (c) For which there is any obligation insured. Your members, your partners and to share damages with or repay their spouses are also insureds, but only with someone else who must pay respect to the conduct of your business damages because of the injury c. A limited liability company you are an described in Paragraphs (1)(a) or insured. Your members are also insureds, (b) above; or but only with respect to the conduct of your (d) Arising out of his or her providing business. Your managers are insureds, but or failing to provide professional only with respect to their duties as your health care services. managers If you are not in the business of d. An organization other than a partnership, providing professional health care joint venture or limited liability company, you services, Paragraph (d) does not apply are an insured, Your 'executive officers' and to any nurse, emergency medical directors are insureds, but only with respect technician or paramedic employed by to their duties as your officers or directors. you to provide such services. Your stockholders are also insureds,but only (2) 'Property damage' to property with respect to their liability as stockholders. (a) Owned, occupied or used by Page 10 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (b) Rented to, in the care, custody or b. Coverage under this provision does not control of, or over which physical apply to: control is being exercised for any (1) 'Bodily injury' or "property damage" purpose by you, any of your that occurred;or 'employees' 'volunteer workers' any partner or member Of you are (2) 'Personal and advertising injury' a partnership or joint venture), or arising out of an offense committed any member Of you are a limited before you acquired or formed the liability company). organization. b. Real Estate Manager 4. Operator Of Mobile Equipment Any person (other than your"employee"or With respect to "mobile equipment registered in co "volunteer worker"), or any organization your name under any motor vehicle registration r--. while acting as your real estate manager law, any person is an insured while driving such ,'i-i c. Temporary Custodians Of Your equipment along a public highway with your Property permission. Any other person or organization o Any person or organization having proper responsible for the conduct of such person is o temporary custody of your property if you also an insured, but only with respect to liability o die, but onl arising out of the operation of the equipment,and CA y'only if no other insurance of any kind is available o (1) With respect to liability arising out of the to that person or organization for this liability. ga maintenance or use of that property;and However no person or organization is an insured N N (2) Until your legal representative has with respect to: o been appointed. a. "Bodily injury' to a co-'employee' of the o d. Legal Representative If You Die person driving the equipment; or k Your legal representative if you die, but b. 'Property damage' to property owned by only with respect to duties as such. That rented to, in the charge of or occupied by representative will have all your rights and you or the employer of any person who is duties under this insurance. an insured under this provision. e. Unnamed Subsidiary 5. Operator of Nonowned Watercraft Any subsidiary and subsidiary thereof, of Wth respect to watercraft you do not own that yours which is a legally incorporated entity is less than 51 feet long and is not being used of which you own a financial interest of to carry persons for a charge,any person is an more than 50% of the voting stock on the insured while operating such watercraft with effective date of this Coverage Part. your permission. Any other person or The insurance afforded herein for any organization responsible for the conduct of subsidiary not shown in the Declarations such person is also an insured, but only with as a named insured does not apply to respect to liability arising out of the operation injury or damage with respect to which an of the watercraft, and only if no other insured under this insurance is also an insurance of any kind is available to that insured under another policy or would be Person or organization for this liability — an insured under such policy but for its However no person or organization is an termination or upon the exhaustion of its insured with respect to: limits of insurance. a. 'Bodily injury to a co-"employee' of the 3. Newly Acquired Or Formed Organization person operating the watercraft; or Any organization you newly acquire or form, b. 'Property damage' to property owned by other than a partnership, joint venture or rented to, in the charge of or occupied by limited liability company and over which you you or the employer of any person who is maintain financial interest of more than 50% of an insured under this provision. the voting stock, will quality as a Named 6. Additional Insureds When Required By Insured if there is no other similar insurance Written Contract, Written Agreement Or — available to that organization. However Permit a. Coverage under this provision is afforded The person(s) or organization(s) identified in only until the 180th day after you acquire Paragraphs a. through f. below are additional or form the organization or the end of the insureds when you have agreed, in a written policy period, whichever is earlier and Form SS 00 08 04 05 Page 11 of 24 BUSINESS LIABILITY COVERAGE FORM contract, written agreement or because of a (e) Any failure to make such permit issued by a slate or political inspections, adjustments, tests or subdivision, that such person or organization servicing as the vendor has be added as an additional insured on your agreed to make or normally policy provided the injury or damage occurs undertakes to make in the usual subsequent to the execution of the contract or course of business, in connection agreement,or the issuance of the permit. with h the distribution or sale of the A person or organization is an additional products, insured under this provision only for that (f) Demonstration, installation, period of time required by the contract, servicing or repair operations, agreement or permit. except such operations performed However no such person or organization is an at the vendor's premises in additional insured under this provision if such connection with the sale of the person or organization is included as an product' additional insured by an endorsement issued (g) Products which, after distribution by us and made a part of this Coverage Part, or sale by you, have been labeled including all persons or organizations added or relabeled or used as a as additional insureds under the specific container part or ingredient of any additional insured coverage grants in Section other thing or substance by or for F —Optional Additional Insured Coverages. the vendor or a. Vendors (h) 'Bodily injury' or 'property Any person(s)or organization(s) (referred to damage' arising out of the sole below as vendor), but only wth respect to negligence of the vendor for its own acts or omissions or those of 'bodily injury' or "properly damage' arising out of 'your products" which are distributed its employees or anyone else or sold in the regular course of the vendor's acting on its behalf However this business and only if this Coverage Part exclusion does not apply to: provides coverage for 'bodily injury or (0 The exceptions contained in 'property damage included within the Subparagraphs(d)or(f):or products-completed operations hazard' (ii) Such inspections, adjustments, (1) The insurance afforded to the vendor tests or servicing as the vendor is subject to the following additional has agreed to make or normally exclusions: undertakes to make in the usual This insurance does riot apply to: course of business, in connection with the distribution (a) "Bodily injury" or 'property or sale of the products. damage' for which the vendor is obligated to pay damages by (2) This insurance does not apply to any insured person or organization from reason of the assumption of whom you have acquired such products, liability in a contract or agreement. This exclusion does not apply to or any ingredient, part or container entering into, accompanying or liability for damages that the containing would have in The absence 9 such products. of the contract or agreement: b. Lessors Of Equipment (b) Any express warranty (1) Any person or organization from unauthorized by you; whom you lease equipment; but only (c) Any physical or chemical change with respect to their liability for"bodily in the product made intentionally injury' properly damage" or by the vendor personal and advertising injury caused. in whole or in pail, by your (d) Repackaging, except when maintenance, operation or use of unpacked solely for the purpose of equipment leased to you by such inspection, demonstration, testing, person or organization. or the substitution of parts under instructions from the manufacturer and then repackaged in the original container Page 12 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (2) With respect to the insurance afforded e. Permits Issued By State Or Political to these additional insureds, this Subdivisions insurance does not apply to any (1) Any state or political subdivision, but 'occurrence' which takes place after only with respect to operations you cease to lease that equipment. performed by you or on your behalf for c. Lessors Of Land Or Premises which the state or political subdivision (1) Any person or organization from has issued a permit. whom you lease land or premises, but (2) With respect to the insurance afforded only with respect to liability arising out to these additional insureds, this of the ownership, maintenance or use insurance does not apply to: of that part of the land or premises o leased to you. (a) "Bodily injury' 'property damage' al or "personal and advertising r- (2) With respect to the insurance afforded injury" arising out of operations rI to these additional insureds, this performed for the state or insurance does not apply to: municipality' or o (a) Any "occurrence' which takes (b) 'Bodily injury' or 'property damage' o place after you cease to lease that included within the "products- 0 land or be a tenant in that completed operations hazard' CA o premises; or f. Any Other Party a (b) Structural alterations, new N. construction or demolition (1) Any other person n organization who c. is not an insured under Paragraphs a. 0 operations performed by or on through e. above, but only with u, behalf of such person or ,° organization. respect to liability for "bodily injury' 'property damage' or 'personal and d. Architects, Engineers Or Surveyors advertising injury' caused, in whole or (1) Any architect, engineer or surveyor but in part, by your acts or omissions or only with respect to liability for 'bodily the acts or omissions of those acting injury' 'property damage' or 'personal on your behalf: and advertising injury' caused, in whole (a) In the performance of your — or in part, by your acts or omissions or ongoing operations; the acts or omissions of those acting on your behalf (b) In connection with your premises owned by or rented to you; or c (a) In connection with your premises; or (c) In connection with 'your work' and included within the 'products- = (b) In the performance of your completed operations hazard' but ongoing operations performed by only if you or on your behalf. (i) The written contract or written (2) With respect to the insurance afforded agreement requires you to to these additional insureds, the provide such coverage to following additional exclusion applies: such additional insured; and This insurance does not apply to (ii) This Coverage Part provides 'bodily injury' 'property damage' or coverage for "bodily injury' or 'personal and advertising injury' "property damage' included arising out of the rendering of or the within the 'products- failure to render any professional completed operations hazard' services by or for you, including: (2) With respect to the insurance afforded (a) The preparing, approving, or to these additional insureds, this failure to prepare or approve, insurance does not apply to: maps, shop drawings, opinions, reports, surveys, field orders, 'Bodily injury' 'property damage' or 'personal and advertising injury' change orders, designs or arising out of the rendering of, or the drawings and specifications; or failure to render any professional (b) Supervisory inspection, architectural, engineering or surveying architectural or engineering services, including: activities. Form SS 00 08 04 05 Page 13 of 24 BUSINESS LIABILITY COVERAGE FORM (a) The preparing, approving, or This General Aggregate limit does not failure to prepare or approve, apply to 'property damage' to premises maps, shop drawings, opinions, while rented to you or temporarily reports, surveys, field orders, occupied by you with permission of the change orders, designs or owner arising out of fire, lightning or drawings and specifications; or explosion. (b) Supervisory inspection, 3. Each Occurrence Limit architectural or engineering Subject to 2.a. or 2.b above, whichever activities. applies, the most we will pay for the sum of all The limits of insurance that apply to additional damages because of all "bodily injury" insureds are described in Section D. — Limits 'property damage' and medical expenses Of Insurance. arising out of any one 'occurrence' is the How this insurance applies when other Liability and Medical Expenses Limit shown in insurance is available to an additional insured the Declarations. is described in the Other Insurance Condition The most we will pay for all medical expenses in Section E.— Liability And Medical Expenses because of 'bodily injury' sustained by any General Conditions. one person is the Medical Expenses Limit No person or organization is an insured with shown in the Declarations. respect to the conduct of any current or past 4. Personal And Advertising Injury Limit partnership, joint venture or limited liability Subject to 2.b. above, the most we will pay for company that is not shown as a Named Insured in the sum of all damages because of all the Declarations. 'personal and advertising injury sustained by D LIABILITY AND MEDICAL EXPENSES any one person or organization is the Personal LIMITS OF INSURANCE and Advertising Injury Limit shown in the Declarations 1 The Most We Will Pay 5. Damage To Premises Rented To You Limit The Limits of Insurance shown in the Declarations and the rules below fix the most The Damage To Premises Rented To You we will pay regardless of the number of Limit is the most we will pay under Business Liability Coverage for damages because of a. Insureds; 'property damage' to any one premises, while b. Claims made or 'suits' brought; or rented to you, or in the case of damage by fire, c. Persons or organizations making claims or lightning or explosion, while rented to you or bringing 'suits' temporarily occupied by you with permission of 2. Aggregate Limits the owner The most we will pay for In the case of damage by fire, lightning or a. Damages because of 'bodily injury and explosion, the Damage to Premises Rented To property damage'aus included injury and You Limit applies to all damage proximately caused by the same event, whether such products-completed operations hazard" is damage results from fire, lightning or explosion the Products-Completed Operations or any combination of these. Aggregate Limit shown in the Declarations. 6. How Limits Apply To Additional Insureds b. Damages because of all other "bodily The most we will pay on behalf of a person or injury property damage' or "personal organization who is an additional insured and advertising injury including medical under this Coverage Part is the lesser of expenses, is the General Aggregate Limit a. The limits of insurance specified in a shown in the Declarations. written contract, written agreement or This Genera! Aggregate Limit applies permit issued by a state or political separately to each of your 'locations' subdivision; or owned by or rented to you. b. The Limits of Insurance shown in the 'Location means premises involving the Declarations. same or connecting lots, or premises Such amount shall be a part of and not in whose connection is interrupted only by a addition to the Limits of Insurance shown in street roadway or right-of-way of a the Declarations and described in this Section. railroad Page 14 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM This Paragraph f. applies separately to (3) We have issued this policy in reliance you and any additional insured. upon your representations. 3. Financial Responsibility Laws b. Unintentional Failure To Disclose a. When this policy is certified as proof of Hazards financial responsibility for the future under If unintentionally you should fail to disclose the provisions of any motor vehicle all hazards relating to the conduct of your financial responsibility law the insurance business at the inception date of this provided by the policy for 'bodily injury' Coverage Part, we shall not deny any liability and 'property damage' liability will coverage under this Coverage Part comply with the provisions of the law to because of such failure. the extent of the coverage and limits of 7 Other Insurance insurance required by that law b. With respect to 'mobile equipment' to If other valid and collectible insurance is which this insurance applies, we will available for a loss we cover under this provide any liability uninsured motorists, Coverage Part, our obligations are limited as underinsured motorists, no-fault or other follows: coverage required by any motor vehicle a. Primary Insurance law We will provide the required limits for This insurance is primary except when b. those coverages. below applies If other insurance is also 4. Legal Action Against Us primary we will share with all that other No person or organization has a right under nswance by the method described in c. this Coverage Form: below a. To join us as a party or otherwise bring us b. Excess Insurance into a 'suit' asking for damages from an This insurance is excess over any of the insured; or other insurance, whether primary excess, b. To sue us on this Coverage Form unless contingent or on any other basis: all of its terms have been fully complied (1) Your Work with. That is Fire Extended Coverage, A person or organization may sue us to recover Builder's Risk. Installation Risk or on an agreed settlement or on a final judgment similar coverage for 'your work against an insured; but we will not be liable for (2) Premises Rented To You damages that are not payable under the terms of this insurance or that are in excess of the That is file lightning or explosion applicable limit of insurance. An agreed insurance for premises rented to you settlement means a settlement and release of or temporarily occupied by you with liability signed by us, the insured and the permission of the owner claimant or the claimant's legal representative. (3) Tenant Liability 5. Separation Of Insureds That is insurance purchased by you to Except with respect to the Limits of Insurance, cover your liability as a tenant for and any rights or duties specifically assigned property damage' to premises rented in this policy to the first Named Insured, this to you or temporarily occupied by you insurance applies: with permission of the owner a. As if each Named Insured were the only (4) Aircraft, Auto Or Watercraft Named Insured; and If the loss arises out of the maintenance b. Separately to each insured against whom or use of aircraft, 'autos"or watercraft to a claim is made or 'suit' is brought. the extent not subject to Exclusion g. of Section A.—Coverages. 6. Representations (5) Property Damage To Borrowed a. When You Accept This Policy Equipment Or Use Of Elevators By accepting this policy you agree: It the loss arises out of 'property (1) The statements in the Declarations damage' to borrowed equipment or are accurate and complete; the use of elevators to the extent not (2) Those statements are based upon subject to Exclusion k. of Section A. — representations you made to us; and Coverages. Page 16 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM If more than one limit of insurance under this (1) Immediately send us copies of any policy and any endorsements attached thereto demands, notices, summonses or applies to any claim or 'suit" the most we will pay legal papers received in connection under this policy and the endorsements is the with the claim or 'suit' single highest limit of liability of all coverages (2) Authorize us to obtain records and applicable to such claim or "suit' However this other information; paragraph does not apply to the Medical Expenses (3) Cooperate with us in the investigation, limit set forth in Paragraph 3.above. settlement of the claim or defense The Limits of Insurance of this Coverage Part apply against the 'suit' and separately to each consecutive annual period and to remaining (4) Assist us, upon our request, in the any g period of less than 12 months,starting enforcement of any right against any ° with the beginning of the policy period shown in the person or organization that may be N Declarations, unless the policy period is extended N after issuance for an additional period of less than 12 liable to the insured because of injury 'i months. In that case, the additional period will be or damage to which this insurance deemed pad of the last preceding for purposes g period may also apply o of determining the Limits of Insurance. d. Obligations At The Insured's Own Cost ° E. LIABILITY AND MEDICAL EXPENSES No insured will, except at that insured's own GENERAL CONDITIONS cost, vol ry make a payment, assume o any obligation, or incur any expense, other 1. Bankruptcy than for first aid,without our consent. Bankruptcy or insolvency of the insured or of e. Additional Insured's Other Insurance IN the insured's estate will not relieve us of our If we cover a claim or 'suit' under this io obligations under this Coverage Part. Coverage Part that may also be covered * 2. Duties In The Event Of Occurrence, by other insurance available to an — Offense,Claim Or Suit additional insured, such additional insured a. Notice Of Occurrence Or Offense must submit such claim or 'suit' to the other insurer for defense and indemnity You or any additional insured must see to However this provision does not apply it that we are notified as soon as P pp y to practicable of an 'occurrence' or an the extent that you have agreed in a offense which may result in a claim. To written contract, written agreement or — the extent possible, notice should include: permit that this insurance is primary and (1) How, when and where the 'occurrence' non-contributory with the additional r—. insured's own insurance. or offense took place; f. Knowledge Of An Occurrence, Offense, (2) The names and addresses of any Claim Or Suit injured persons and witnesses; and c Paragraphs a. and b. apply to you or to (3) The nature and location of any injury any additional insured only when such or damage arising out of the "occurrence" offense, claim or 'suit" is 'occurrence' or offense. known to: b. Notice Of Claim (1) You or any additional insured that is If a claim is made or "suit" is brought an individual; against any insured, you or any additional nsured must: (2) Any partner if you or an additional insured is a partnership; (1) Immediately record the specifics of the (3) Any manager if you or an additional claim or 'suit" and the date received; insured is a limited liability company and (2) Notify us as soon as practicable. (4) Any 'executive officer" or insurance manager if you or an additional You or any additional insured must see to insured is a corporation; it that we receive a written notice of the claim (5) Any trustee, if you or an additional laim or 'suit"as soon as practicable. insured is a trust; or c. Assistance And Cooperation Of The (6) Any elected or appointed official, if you Insured or an additional insured is a political You and any other involved insured must subdivision or public entity Form SS 00 08 04 05 Page 15 of 24 BUSINESS LIABILITY COVERAGE FORM (6) When You Are Added As An When this insurance is excess over other Additional Insured To Other insurance, we will pay only our share of Insurance the amount of the loss, if any that That is other insurance available to exceeds the sum of: you covering liability for damages (1) The total amount that all such other arising out of the premises or insurance would pay for the loss in the operations, or products and completed absence of this insurance; and operations, for which you have been (2) The total of all deductible and self- added as an additional insured by that insured amounts under all that other insurance; or insurance. (7) When You Add Others As An We will sham the remaining loss,if any.with ,-1 Additional Insured To This any other insurance that is not described in pi Insurance r this Excess Insurance provision and was not ri That is other insurance available to an bought specifically to apply in excess of the additional insured. Limits of Insurance shown in the o However the following provisions Declarations of this Coverage Part. o apply to other insurance available to c. Method Of Sharing any person or organization who is an If all the other insurance permits UD o additional insured under this Coverage contribution by equal shares,we will follow Part: this method also. Under this approach, N (a) Primary Insurance When each insurer contributes equal amounts ni o Required By Contract until it has paid its applicable limit of 0 o This insurance is primary if you insurance or none of the loss remains, -1, have agreed in a written contract, whichever comes first. written agreement or permit that If any of the other insurance does not permit this insurance be primary If other contribution by equal shares, we will insurance is also primary we will contribute by limits. Under this method,each share with all that other insurance insurers share is based on the ratio of its by the method described in c. applicable limit of insurance to the total below. applicable limits of insurance of all insurers. (b) Primary And Non-Contributory 8. Transfer Of Rights Of Recovery Against — To Other Insurance When Others To Us Required By Contract a. Transfer Of Rights Of Recovery If you have agreed in a written If the insured has rights to recover all or contract, written agreement or permit that this insurance is part of any payment, including Supplementary Payments, we have made primary and non-contributory with under this Coverage Part, those rights are the additional insured's own transferred to us. The insured must do insurance, this insurance is nothing after loss to impair them. At our primary and we will not seek request, the insured will bring "suit" or contribution from that other transfer those rights to us and help us insurance. enforce them. This condition does not Paragraphs (a)and (b)do not apply to apply to Medical Expenses Coverage. other insurance to which the additional b. Waiver Of Rights Of Recovery (Waiver insured has been added as an Of Subrogation) — additional insured. ° When this insurance is excess, we will If the insured has waived any rights of recovery against any person or have no duty under this Coverage Part to organization for all or part of any payment, defend the insured against any"suit"if any including Supplementary Payments, we other insurer has a duty to defend the have made under this Coverage Part, we insured against that 'suit' If no other also waive that right, provided the insured insurer defends, we will undertake to do waived their rights of recovery against so, but we will be entitled to the insured's such person or organization in a contract, rights against all those other insurers. agreement or permit that was executed prior to the injury or damage. Form SS 00 08 04 05 Page 17 of 24 BUSINESS LIABILITY COVERAGE FORM F OPTIONAL ADDITIONAL INSURED 3. Additional Insured Grantor Of Franchise COVERAGES WHO IS AN INSURED under Section C. is If listed or shown as applicable in the Declarations, amended to include as an additional insured one or more of the following Optional Additional the person(s) or organization(s) shown in the Insured Coverages also apply When any of these Declarations as an Additional Insured Optional Additional Insured Coverages apply Grantor Of Franchise, but only with respect to Paragraph 6. (Additional Insureds When Required their liability as grantor of franchise to you. by Written Contract, Written Agreement or Permit) 4. Additional Insured Lessor Of Leased of Section C. Who Is An Insured, does not apply Equipment to the person or organization shown in the a. WHO IS AN INSURED under Section C. is Declarations. These coverages are subject to the amended to include as an additional terms and conditions applicable to Business insured the person(s) or organization(s) Liability Coverage in this policy except as shown in the Declarations as an Additional provided below: Insured — Lessor of Leased Equipment, 1 Additional Insured Designated Person Or but only with respect to liability for 'bodily Organization injury" 'property damage" or 'personal WHO IS AN INSURED under Section C. is and advertising injury" caused, in whole or amended to include as an additional insured in part, by your maintenance, operation or the person(s) or organizations) shown in the use of equipment leased to you by such Declarations, but only with respect to liability person(s)or organization(s). for 'bodily injury' property damage" or b. With respect to the insurance afforded to 'personal and advertising injury' caused, in these additional insureds, this insurance whole or in part, by your acts or omissions or does not apply to any "occurrence' which the acts or omissions of those acting on your lakes place after you cease to lease that behall: equipment. a. In the performance of your ongoing 5. Additional Insured Owners Or Other operations; or Interests From Whom Land Has Been b. In connection with your premises owned Leased by or rented to you. a. WHO IS AN INSURED under Section C.is 2. Additional Insured Managers Or Lessors amended to include as an additional Of Premises insured the person(s) or organization(s) shown in the Declarations as an Additional a. WHO IS AN INSURED under Section C. is Insured —Owners Or Other Interests From amended to include as an additional insured Whom Land Has Been Leased, but only the person(s) or organization(s)shown in the with respect to liability arising out of the Declarations as an Additional Insured ownership, maintenance or use of that part Designated Person Or Organization; but only of the land leased to you and shown in the with respect to liability arising out of the Declarations. ownership,maintenance or use of that part of the premises leased to you and shown in the b. With respect to the insurance afforded to Declarations. these additional insureds the following additional exclusions apply' b. Wdh respect to the insurance afforded to these additional insureds, the following This insurance does not apply to additional exclusions apply' (1) Any 'occurrence' that takes place This insurance does not apply to. after you cease to lease that land; or (1) Any 'occurrence' which takes place (2) Structural alterations, new after you cease to be a tenant in that construction or demolition operations premises, or performed by or on behalf of such (2) Structural alterations, new person or organization. construction or demolition operations 6. Additional Insured State Or Political performed by or on behalf of such Subdivision—Permits person or organization a. WHO IS AN INSURED under Section C. is amended to include as an additional insured the state or political subdivision shown in the Declarations as an Additional Page 18 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM Insured - State Or Political Subdivision (e) Any failure to make such Permits, but only with respect to inspections, adjustments, tests or operations performed by you or on your servicing as the vendor has agreed behalf for which the state or political to make or normally undertakes to subdivision has issued a permit. make in the usual course of b. With respect to the insurance afforded to business, in connection with the these additional insureds, the following distribution or sale of the products; additional exclusions apply' (I') Demonstration, installation, This insurance does not apply to: servicing or repair operations, (1) 'Bodily injury" "property damage' or except such operations performed at the vendor's premises in "personal and advertising injury' connection with the sale of the N performed arising out of operations perford for product; r- the state or municipality or .-1 .- (2) 'Bodily injury" or 'property damage' (g) Products which, after distribution or sale by you, have been labeled included in the "product-completed 1 or relabeled or used as a 0 operations' hazard. container part or ingredient of any rl o 7 Additional Insured-Vendors other thing or substance by or for oN up a. WHO IS AN INSURED under Section C.is the vendor or 6 a amended to include as an additional (h) 'Bodily injury' or 'property insured the person(s) or organization(s) damage" arising out of the sole CV (referred to below as vendor) shown in the negligence of the vendor for its °o Declarations as an Additional Insured own acts or omissions or those of o Vendor but only with respect to 'bodily its employees or anyone else * injury" or 'property damage' arising out of acting on its behalf. However this 'your products' which are distributed or exclusion does not apply to: sold in the regular course of the vendor's (i) The exceptions contained in business and only if this Coverage Part Subparagraphs(d)or(f); or provides coverage for 'bodily injury' or 'property damage' included within the (ii) Such inspections, 'products-completed operations hazard' adjustments, tests or servicing as the vendor has agreed to b. The insurance afforded to the vendor is make or normally undertakes subject to the following additional exclusions: to make in the usual course of (1) This insurance does not apply to: business, in connection with (a) "Bodily injury' or 'property the distribution or sale of the damage' for which the vendor is products. obligated to pay damages by (2) This insurance does not apply to any reason of the assumption of insured person or organization from liability in a contract or agreement. whom you have acquired such This exclusion does not apply to products, or any ingredient, part or liability for damages that the container entering into, vendor would have in the absence accompanying or containing such of the contract or agreement; products. (b) Any express warranty 8. Additional Insured-Controlling Interest unauthorized by you; WHO IS AN INSURED under Section C. is o (c) Any physical or chemical change amended to include as an additional insured in the product made intentionally the person(s) or organization(s) shown in the by the vendor; Declarations as an Additional Insured - (d) Repackaging, unless unpacked Controlling Interest, but only with respect to . ---, solely for the purpose of inspection, their liability arising out of: demonstration, testing, or the a. Their financial control of you; or substitution of parts under b. Premises they own, maintain or control instructions from the manufacturer, while you lease or occupy these premises. and then repackaged in the original container Form SS 00 08 04 05 Page 19of24 BUSINESS LIABILITY COVERAGE FORM This insurance does not apply to structural The limits of insurance that apply to additional alterations, new construction and demolition insureds are described in Section D. — Limits Of operations performed by or for that person or Insurance. organization. How this insurance applies when other insurance 9. Additional Insured — Owners, Lessees Or is available to an additional insured is described in Contractors — Scheduled Person Or the Other Insurance Condition in Section E. — Organization Liability And Medical Expenses General a. WHO IS AN INSURED under Section C.is Conditions. amended to include as an additional G. LIABILITY AND MEDICAL EXPENSES insured the person(s) or organization(s) DEFINITIONS shown in the Declarations as an Additional Insured—Owner Lessees Or Contractors, 1. "Advertisement" means the widespread public but only with respect to liability for 'bodily dissemination of information or images that injury' "property damage or "personal has the purpose of inducing the sale of goods. and advertising injury' caused in whole or products or services through: in part, by your acts or omissions or the a. (1) Radio, acts or omissions of those acting on your (2) Television; behalf: (3) Billboard; (1) In the performance of your ongoing operations for the additional (4) Magazine; nsured(s) or (5) Newspaper (2) In connection with 'your work' b. The Internet, but only that part of a web performed for that additional insured site that is about goods, products or and included within the 'products- services for the purposes of inducing the completed operations hazard' but sale of goods, products or services; or only if this Coverage Pad provides c. Any other publication that is given coverage for 'bodily injury" or widespread public distnbution. "property damage included within the However 'advertisement does not include: products-completed operations hazard" a. The design, printed material, information b. With respect to the insurance afforded to or images contained in. on or upon the packaging or labeling of any goods or these additional insureds this insurance products; or does not apply to 'bodily injury' "property b. An interactive conversation between or damage' or 'personal an advertising injury arising out of the rendering of, or among persons through a computer network. the failure to render any professional 2. 'Advertising idea means any idea for an architectural, engineering or surveying "advertisement' services, including: 3. 'Asbestos hazard means an exposure or (1) The preparing, approving, or failure to threat of exposure to the actual or alleged prepare or approve, maps, shop properties of asbestos and includes the mere drawings, opinions, reports, surveys, presence of asbestos in any form. field orders, chance orders, designs or 4. 'Auto' means a land motor vehicle, trailer or drawings and specifications; or semi-nailer designed for travel on public (2) Supervisory inspection, architectural roads, including any attached machinery or or engineering activities. equipment. But "auto' does not include 10. Additional Insured — Co-Owner Of Insured 'mobile equipment Premises 5. "Bodily injury means physical: WHO IS AN INSURED under Section C. is a. Injury' amended to include as an additional insured b. Sickness, or the persons) or Organization(s) shown in the c. Disease Declarations as an Additional Insured — Co- Owner Of Insured Premises, but only with sustained by a person and, if arising out of the respect to their liability as co-owner of the above, mental anguish or death at any time. premises shown in the Declarations. 6. 'Coverage territory' means: Page 20 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM a. The United States of America (including its b. You have failed to fulfill the terms of a territories and possessions), Puerto Rico contract or agreement; and Canada; if such property can be restored to use by b. International waters or airspace, but only if a. The repair replacement, adjustment or the injury or damage occurs in the course removal of 'your product' or your work' of travel or transportation between any or places included in a.above; b. Your fulfilling the terms of the contract or c. All other parts of the world if the injury or agreement. damage arises out of. (1) Goods or products made or sold by you 12. 'Insured contract' means: in the territory described in a.above; a. A contract for a lease of premises. (2) The activities of a person whose home However that portion of the contract for a en or (2) of premises that indemnifies any is in the territory described in a, person or organization for damage by fire, above, but is away for a short time on lightning or explosion to premises while your business; or rented to you or temporarily occupied by r°, (3) 'Personal and advertising injury' you with permission of the owner is 0 offenses that take place through the subject to the Damage To Premises a, Internet or similar electronic means of Rented To You limit described in Section o communication D.–Liability and Medical Expenses Limits N provided the insured's responsibility to pay of Insurance. N damages is determined in the United States of b. A sidetrack agreement; ° America (including its territories and o possessions), Puerto Rico or Canada, in a c. Any easement or license agreement, o including an easement or license 'suit' on the merits according to the agreement in connection with construction substantive law in such territory or in a or demolition operations on or within 50 settlement we agree to. feet of a railroad; 7 'Electronic data' means information, facts or d. Any obligation, as required by ordinance, programs: to indemnify a municipality except in a. Stored as or on; connection with work for a municipality b. Created or used on;or e. An elevator maintenance agreement; or c. Transmitted to or from f. That part of any other contract or computer software, including systems and agreement pertaining to your business applications software, hard or floppy disks, (including an indemnification of a _°_ CD-ROMS, tapes, drives, cells, data municipality in connection with work processing devices or any other media which performed for a municipality) under which are used with electronically controlled you assume the tort liability of another equipment. party to pay for 'bodily injury' or 'property 8. 'Employee' includes a 'leased worker' damage' to a third person or organization, 'Employee' does not include a "temporary provided the 'bodily injury' or 'property worker" damage' is caused, in whole or in part, by — you or by those acting on your behalf. 9. 'Executive officer" means a person holding Tort liability means a liability that would be any of the officer positions created by your imposed by law in the absence of any charter constitution, by-laws or any other contract or agreement. similar governing document. Paragraph f. includes that part of any 10. 'Hostile fire' means one which becomes contract or agreement that indemnifies a uncontrollable or breaks out from where it was railroad for 'bodily injury' or 'property intended to be. damage' arising out of construction or 11 'Impaired property' means tangible property demolition operations within 50 feet of any other than 'your product" or 'your work' that railroad property and affecting any railroad cannot be used or is less useful because: bridge or trestle,tracks, road-beds,tunnel, a. It incorporates 'your product' or"your work' underpass or crossing. that is known or thought to be defective, However Paragraph 1. does not include deficient,inadequate or dangerous;or that part of any contract or agreement: Form SS 00 08 04 05 Page 21 of 24 BUSINESS LIABILITY COVERAGE FORM (1) That indemnifies an architect, (1) Power cranes, shovels, loaders, engineer or surveyor for injury or diggers or drills; or damage arising out of: (2) Road construction or resurfacing (a) Preparing, approving or failing to equipment such as graders, scrapers prepare or approve maps, shop or rollers; drawings, opinions. reports, e. Vehicles not described in a. b. c. or d. surveys, field orders, change above that are not self-propelled and are orders, designs or drawings and maintained primarily to provide mobility to specifications; or permanently attached equipment of the (b) Giving directions or instructions, following types: or fading to give them, if that is the primary cause of the injury or (1) Air compressors, pumps and generators, including spraying, damage; or welding, building cleaning, (2) Under which the insured, if an geophysical exploration, lighting and architect, engineer or surveyor well servicing equipment; or assumes liability for an injury or (2) Cherry pickers and similar devices damage arising out of the insured's used to raise or lower workers; rendering or failure to render professional services, including those f. Vehicles not described in a. b. c. or d. listed in (1) above and supervisory above maintained primarily for purposes nspection, architectural or other than the transportation of persons or engineering activities. cargo. 13. 'Leased worker' means a person leased to However self-propelled vehicles with the you by a labor leasing firm under an following types of permanently attached agreement between you and the labor leasing equipment are not 'mobile equipment' but firm, to perform duties related to the conduct of will be considered 'autos' your business. 'Leased worker' does not (1) Equipment, of at least 1,000 pounds include a 'temporary worker' gross vehicle weight, designed 14. 'Loading or unloading' means the handling of primarily for property- (a) Snow removal; a. After it is moved horn the place where it is (b) Road maintenance, but not accepted for movement into or onto an construction or resurfacing; or aircraft, watercraft or 'auto' (c) Street cleaning; b. While it is in or on an aircraft, watercraft or (2) Cherry pickers and similar devices 'auto' or mounted on automobile or truck c. While it is being moved from an aircraft, chassis and used to raise or lower watercraft or 'auto' to the place where it is workers; and finally delivered; O g Air compressors, pumps and but 'loading or unloading" does not include the generators, including spraying, movement of properly by means of a mechanical welding, building cleaning, device. other than a hand truck, that is not geophysical exploration, lighting and attached to the aircraft,watercraft or 'auto' well servicing equipment. 15. 'Mobile equipment' means any of the following 16. "Occurrence" means an accident, including types of land vehicles, including any attached continuous or repealed exposure to substantially machinery or equipment: the same general harmful conditions, a. Bulldozers, farm machinery forklifts and 17 "Personal and advertising injury' means injury other vehicles designed for use principally including consequential 'bodily injury' arising oft public roads, out of one or more of the following offenses: b. Vehicles maintained for use solely on or a. False arrest,detention or imprisonment; next to premises you own or rent; b. Malicious prosecution; c. Vehicles that travel on crawler treads; d. Vehicles, whether self-propelled or not, on which are permanently mounted: Page 22 of 24 F01711 SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM c. The wrongful eviction from, wrongful entry Work that may need service, maintenance, into, or invasion of the right of private correction, repair or replacement, but occupancy of a room, dwelling or which is otherwise complete, will be premises that the person occupies, treated as completed. committed by or on behalf of its owner landlord or lessor. The 'bodily injury' or 'property damage' must occur away from premises you own d. Oral, written or electronic publication of or rent, unless your business includes the material that slanders or libels a person or selling, handling or distribution of 'your organization or disparages a person's or product' for consumption on premises you organization's goods, products or services; own or rent. e. Oral, written or electronic publication of b. Does not include bodily injury' or d material that violates a person's right of 'property damage' arising out of: Cii privacy. 1. Copying, in your 'advertisement' a (i) The transportation of property unless y the injury or damage arises out of a person's or organization's 'advertising condition in or on a vehicle not owned o idea"or style of 'advertisement' or operated by you, and that condition o g. Infnngement of copyright,slogan,or title of was created by the 'loading or o m any literary or artistic work, in your unloading' of that vehicle by any o 'advertisement' or insured; or ID h. Discrimination or humiliation that results in (2) The existence of tools, uninstalled injury to the feelings or reputation of a equipment or abandoned or unused o natural person. materials. in 18. 'Pollutants' means any solid, liquid, gaseous or 20. 'Property damage' means: o thermal irritant or contaminant, including smoke, a. Physical injury to tangible property vapor soot, fumes, adds, alkalis, chemicals and including all resulting loss of use of that — waste. Waste includes materials to be recycled, property All such loss of use shall be recondtionedorreclaimed, deemed to occur at the time of the 19. 'Products-completed operations hazard' physical injury that caused it; or a. Includes all 'bodily injury' and 'property b. Loss of use of tangible property that is not damage' occurring away from premises physically injured. All such loss of use you own or rent and arising out of 'your shall be deemed to occur at the time of product' or 'your work' except: 'occurrence' that caused it. (1) Products that are still in your physical As used in this definition, 'electronic data' is possession; or not tangible property (2) Work that has not yet been completed 21. 'Suit' means a civil proceeding in which or abandoned. However your work' damages because of 'bodily injury' 'property will be deemed to be completed at the damage' or 'personal and advertising injury" earliest of the following times: to which this insurance applies are alleged. (a) When all of the work called for in 'Suit' includes: your contract has been completed. a. An arbitration proceeding in which such (b) When all of the work to be done at damages are claimed and to which the the job site has been completed if insured must submit or does submit with your contract calls for work at our consent; or — more than one job site. b. Any other alternative dispute resolution (c) When that part of the work done at proceeding in which such damages are a job site has been put to its claimed and to which the insured submits intended use by any with our consent. y person or organization other than another 22. 'Temporary worker" means a person who is contractor or subcontractor furnished to you to substitute tor a permanent working on the same project. 'employee' on leave or to meet seasonal or short-term workload conditions. 23. 'Volunteer worker" means a person who• a. Is not your 'employee' Form SS 00 08 04 05 Page 23 of 24 BUSINESS LIABILITY COVERAGE FORM b. Donates his or her work; (2) The providing of or failure to provide c. Acts at the direction of and within the warnings or instructions. scope of duties determined by you; and c. Does not include vending machines or d. Is not paid a fee, salary or other other properly rented to or located for the compensation by you or anyone else for use of others but not sold. their work performed for you. 25. 'Your work' 24. Your product' a. Means: a. Means: (1) Work or operations performed by you (1) Any goods or products, other than real or on your behalf; and property manufactured, sold, handled, (2) Materials, parts or equipment distributed or disposed of by furnished in connection with such work (a) You; or operations. (b) Others trading under your name; b. Includes. or (1) Warranties or representations made at (c) A person or organization whose any time with respect to the fitness, business or assets you have quality durability performance or use acquired; and of 'your work' and (2) Containers (other than vehicles) (2) The providing of or failure to provide materials, pails or equipment warnings or instructions. furnished in connection with such goods or products. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality durability performance or use of your product' and Page 24 of 24 Form SS 00 08 04 05 �Xttlibrr (cot-n From: "Rob Hamers' <rbhinc @pacbell.neb Subject: FW Cert Geo Etka to Costa Mesa Sanitary District.&Additional Insured Endt Date: April 22, 2010 9:08:17 AM PDT To: 'Rob Hamers" <robh2 @cox.neb ► 2 Attachments,5.7 MB From: Rob Hamers [mailto:rbhinc(aoacbell.net] Sent: Wednesday, April 14, 2010 9:57 AM To: 'scarroll(o)crosdca.gov' Subject: FW• Cert Geo Etka to Costa Mesa Sanitary District. &Additional Insured Endt Scott, Please see comments from Insurance Company below Phyllis Beck Robin B. Hamers & Associates 234 E. 17th Street, Suite 205 Costa Mesa, CA 92627 (949) 548-1192 (949) 548-6516 fax From: Sue Reams [mailto:SReams(thar-ins.com] Sent: Wednesday, April 14, 2010 9:43 AM To: RBHINC(o Pacbell.net Cc: geoetka©aol.com, Dan Armstrong Subject: Cert Geo Etka to Costa Mesa Sanitary District. &Additional Insured Endt Hi Phyllis, Attached please find the 'Amended' Certificate of Insurance for the Costa Mesa Sanitary District to include the Additional Insured Endorsement per policy form S5 00 08 04 05. This is the Additional Insured form for the Business Liability for this policy and the only one we can attach. I have highlighted the areas that show you as the Additional Insured on Page 20 of 24 pages. I hope this is acceptable. The form also includes Primary wording and Non Contributory wording as well. Please let me know if you have any questions on this form. Kind Regards, Sue Reams Account Manager Armstrong/Robitaille/Riegle Business and Insurance Solutions 2127 W Orangewood, Suite 100 Orange, CA 92868 Direct 714-221 3934 Fax 714-221 2277 SReams@ar-ins.com DISCLAIMER: This communication, together with any attachments hereto or links contained herein, is for the sole use of the intended recipient(s)and may contain information that is confidential or legally protected If you are not the intended recipient,you are hereby notified that any review disclosure, copying,dissemination, distribution or use of this communication is STRICTLY PROHIBITED. If you have received this communication in error please notify the sender immediately by return e-mail message and delete the original and all copies of the communication, along with any attachments hereto or links herein, from your system Thank you. Cert Geo Etk...pdf(22.6 KB) Geo Etka Al ....pd5.7 MB)