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Insurance - Lan Wan Enterprise, Inc. 2018-09-17
ACOR" CERTIFICATE OF LIABILITY INSURANCE lift� DATE(MM/DD/YYYY) r ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS 9/17/2018 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: -- YASSA INSURANCE AGENCY INC ---__ --------^- — — - -- - ---- PHONE Ext: (949)417-0205 --- _-- - �G N.. 9 9 751-0208 - - - 26361 Crown Valley Parkway #230 E-MAIL -ADDRESS:-yassaagency yahoo.com ______ Mission Viejo, CA 92691 INSURER�S�AFFORDING COVERAGE NAIC# --------- ---- - -- - _�NSURERA: Travelers Insurance Company 19026 - INSURED - ---- - - -- B : Travelers InsuranceCOmpany_� 19046 Lan Wan Enterprise, Inc. -INSURER -- -- - — ---- * - -" INSURERC___Travelers Insurance Company 19046 17500 Red Hill, Suite # 120 INSURER D: Travelers Insurance Company 19046 4000000 INSURER E: Irvine CA 92614 INSURER F COVERAGES CERTIFICATE NUMBER: REVISION NUMBER - THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR's -------------- ----------------- ... ADOL SUBR ---------- --------------- LTR ; TYPE OF INSURANCE POLICY NUMBER j POLICY EFF ' POLICY EXP ------- MM/DDNYYY ' MM/DDIYYYY LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE_ $ 2 000 000 L—: CLAIMS -MADE • OCCUR __ € DAMAGE TO RENTED '� _ -- 300,000 _X -PREMISES�Ea occurrence $ __ -_-_ MED EXP (Any one person) 1S_ i _ 5,000 A _ j 680-2H705893-18-42 8/19/2018 8/19/2019 PERSONAL &ADV INJURY S 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: -_a GENERAL AGGREGATE $ 4000000 � 7-1 PRO- X POLICY ` -- JECT 1 1 LOC PRODUCTS - COMP/OP AGG ; S 4 000 000 0 00 XI OTHER: CYBER LIABILITY -- r S -- ---.� - 11000,000 AUTOMOBILE LIABILITY ', COMBINED SINGLE LIMIT S IEa accident _._ 1,000,000 ANY AUTO BODILY INJURY (Per person) $ OWNED SCHEDULED B /� AUTOS ONLY _ _; AUTOS BA9G337755 ---- - 4/1/2018 4/1/2019 BODILY INJURY (Per accident) 1 S X'HIRED NON -OWNED X PROPERTY DAMAGE -- AUTOS ONLY AUTOS ONLY mer acci_dentj_ _ _____ � S I X UMBRELLA LIAB OCCUR EACH OCCURRENCE S ------------- `-----_. 1 000 000 C _{ EXCESS LIAB CLAIMS MADE; 005H364288 8/19/2018 8/19/2019 1 AGGREGATE is r-------------- ---_-------- ---- ----_. -z--- -------- ----- DED ! RETENTION $ i Is WORKERS COMPENSATION PER OTH- ' AND EMPLOYERS' LIABILITY Y / N STATUTE_ --. ER ANY PROPRIETOR/PARTNER/EXECUTIVE D OFFICER/MEMBER EXCLUDED? N / A 83-WEC 162988 ! 8/9/2018 8/9/2019 E.L. EACH ACCIDENT _ - S -- 1:000}000 _ (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE $ 1 000 000 if yes, describe under --- -___-- ------.--- - __-- - -----z-----2--- DESCRIPTION OF OPERATIONS below E.L. DISEASE -POLICY LIMIT $ 1,000,000 ERROR 8r OMISSION j 680-2H705893-18-428/19/2018: i 8/19/2019 1,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) The Costa Mesa Sanitary District, its elected and appointed officials, agents, officers, volunteers and employees are Additional Insured ADDITIONAL INSURED: COSTA MESA SANITARY DISTRICT 290 PAULARINO AVENUE COSTA MESA, CA 92626 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE � D 1�i la44 aIal ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD TRAVELERSJ� Report Claims Immediately by Calling* 1-800-238-6225 Speak directly with a claim professional 24 hours a day, 365 days a year *Unless Your Policy Requires Written Notice or Reporting TECHNOLOGY OFFICE PAC COMP INSTUSRVC/REPAIR, SYSTEM INTGRTRS, VA R A Custom Insurance Policy Prepared for: LAN WAN ENTERPRISE INC 17500 RED HILL AVE STE 120 IRVINE CA 92614 Presented by: EHAB MAKRAM YASSA Awl TRAVELERS J One Tower Square, Hartford, Connecticut 06183 RENEWAL CERTIFICATE COMMON POLICY DECLARATIONS POLICY NO.: 680-2H705893-18-42 TECH OFFICE PAC ISSUE DATE: 08/20/2018 BUSINESS:COMP INSTL/SRVC INSURING COMPANY: TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA 1. NAMED INSURED AND MAILING ADDRESS: LAN WAN ENTERPRISE INC 17500 RED HILL AVE STE 120 IRVINE CA 92614 2. POLICY PERIOD: From 08/19/2018 to 08/19/2019 12:01 A.M. Standard Time at your mailing address. 3. LOCATIONS: PREM. BLDG. OCCUPANCY ADDRESS (sgf e s MMailin Address NO. NO. unless sped iec�otherwis�e) 001 001 COMP INSTL/SRVC 17500 RED HILL AVE SUITE 120 IRVINE CA 92614 4. COVERAGE PARTS AND SUPPLEMENTS FORMING PART OF THIS POLICY AND INSURING COMPANIES COVERAGE PARTS AND SUPPLEMENTS INSURING COMPANY Businessowners Coverage Part ACJ S. The COMPLETE POLICY consists of this declarations and all other declarations, and the forms and endorse - ments for which symbol numbers are attached on a separate listing. 6. SUPPLEMENTAL POLICIES: Each of the following is a separate policy containing its complete provisions. POLICY POLICY NUMBER INSURING COMPANY DIRECT BILL 7. PREMIUM SUMMARY: Provisional Premium $ Due at Inception $ Due at Each $ NAME AND ADDRESS OF AGENT OR BROKER EHAB MAKRAM YASSA DHQ47 26361 CROWN VALLEY PKWY STE 230 16,719.00 COUNTERSIGNED BY: Authorized Representative MISSION VIEJO CA 92691 IL TO 25 08 01 (Page 1 of 01) DATE: 08/20/2018 Office: BREA/LA/ORANGE CA DOWN TRAVELERS One Tower Square, Hartford, Connecticut 06183 BUSINESSOWNERS COVERAGE PART DECLARATIONS TECH OFFICE PAC POLICY NO.: 680-2H705893-18-42 ISSUE DATE: 08/20/2018 INSURING COMPANY: TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA POLICY PERIOD: From 08-19-18 to 08-19-19 12:01 A.M. Standard Time at your mailing address FORM OF BUSINESS: CORPORATION COVERAGES AND LIMITS OF INSURANCE: Insurance applies only to an item for which a "limit" or the word "included" is shown. COMMERCIAL GENERAL LIABILITY COVERAGE OCCURRENCE FORM LIMITS OF INSURANCE General Aggregate (except Products -Completed Operations Limit) $ 4,000,000 Products -completed Operations Aggregate Limit $ 4,000,000 Personal and Advertising Injury Limit $ 2,000,000 Each Occurrence Limit $ 2,000,000 Damage to Premises Rented to You $ 300,000 Medical Payments Limit (any one person) $ 51000 BUSINESSOWNERS PROPERTY COVERAGE DEDUCTIBLE AMOUNT: Businessowners Property Coverage: $ 1,000 per occurrence. Building Glass: $ 100 per occurrence. BUSINESS INCOME/EXTRA EXPENSE LIMIT: Actual loss for 12 consecutive months Period of Restoration -Time Period: 24 Hours ADDITIONAL COVERAGE: Fine Arts: $ 25,000 Other additional coverages apply and may be changed by an endorsement read the policy. SPECIAL PROVISIONS: COMMERCIAL GENERAL LIABILITY COVERAGE IS SUBJECT TO A GENERAL AGGREGATE LIMIT MP TO 01 02 05 (Page 1 of 2) Please BUSINESSOWNERS PROPERTY COVERAGE PREMISES LOCATION NO.: 001 BUILDING NO.: 001 LIMIT OF INFLATION COVERAGE INSURANCE VALUATION COINSURANCE GUARD BUSINESS PERSONAL PROPERTY $ 500,000 RC* N/A 0.0% *Replacement Cost COVERAGE EXTENSIONS: Accounts Receivable $ 275,000 Valuable Papers $ 125,000 Other coverage extensions apply and may be changed by an endorsement. Please read the policy. MP TO 01 02 05 (Page 2 of 2) POLICY NUMBER: 680-2H705893-18-42 EFFECTIVE DATE: 08/19/2018 ISSUE DATE: 08/20/2018 LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS THIS LISTING SHOWS THE NUMBER OF FORMS, SCHEDULES AND ENDORSEMENTS BY LINE OF BUSINESS COMMERCIAL GENERAL LIABILITY CG IL T8 11 03 TABLE OF CONTENTS - COMMERCIAL GENERAL LIABILITY GENERAL PURPOSE ENDT DUMMY FORM NUMBER IL T8 COVERAGE FORM CG 00 01 10 01 CG GENERAL PURPOSE ENDT DUMMY FORM NUMBER 01 IL TO 19 02 05 COMMON POLICY DECLARATIONS * IL TO 25 08 01 RENEWAL CERTIFICATE * MP TO 01 02 05 BUSINESSOWNERS COVERAGE PART DECLARATIONS * IL T8 01 01 01 FORMS ENDORSEMENTS AND SCHEDULE NUMBERS CG IL T3 15 09 07 COMMON POLICY CONDITIONS * IL T3 20 09 97 EARLIER NOTICE OF CANCELLATION/NONRENEWAL PROVIDED BY US BUSINESSOWNERS MP T1 30 02 05 TABLE OF CONTENTS - BUSINESSOWNERS COVERAGE PART - DELUXE PLAN MP T1 02 02 05 BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM * MP T1 75 03 06 WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLES * MP T3 48 10 12 PERIOD OF RESTORATION - TIME PERIOD MP T5 22 08 07 CALIFORNIA AMENDATORY PROVISIONS MP T9 97 10 12 AMENDATORY PROVISIONS - TECHNOLOGY OFFICE ENHANCEMENTS MP T1 11 02 05 CONDOMINIUM COMMERCIAL UNIT - OWNERS COVERAGE * MP T3 06 02 07 SEWER OR DRAIN BACK UP EXTENSION MP T3 25 01 15 FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE * MP T3 35 02 05 INTERRUPTION OF COMPUTER OPERATIONS - INCREASED LIMIT MP T3 50 11 06 EQUIPMENT BREAKDOWN - SERVICE INTERRUPTION LIMITATION MP T3 56 02 08 AMENDATORY PROVISIONS - GREEN BUILDING AND BUSINESS PERSONAL PROP COV ENHANCEMENTS * MP T3 21 03 06 DENIAL OF SERVICE ATTACK - TIME ELEMENT ENDORSEMENT MP T4 90 05 10 LIMIT OF INS/OCCURRENCE ENDT - CALIFORNIA MP T5 08 01 06 CALIFORNIA CHANGES - REPLACEMENT COST COMMERCIAL GENERAL LIABILITY CG TO 34 11 03 TABLE OF CONTENTS - COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG 00 01 10 01 CG 00 01 10 01 COMMERCIAL GENERAL LIABILITY COVERAGE FORM * CG 20 13 11 85 ADDITIONAL INSURED - STATE OR POLITICAL SUBDIVISIONS - PERMITS RELATING TO PREMISES CG D2 55 11 03 AMENDMENT OF COVERAGE - POLLUTION CG D3 09 11 03 AMENDATORY ENDR- PRODUCTS -COMPLETED OPERATIONS HAZARD CG D4 20 07 08 AMEND OTHER INS COND MEAN OTHER INS/INSR CG D4 22 07 08 AMEND SUPPL PAY TAX COSTS & APPEAL BONDS * TEXT IN THIS FORM HAS CHANGED, OR THE FORM WAS NOT ON POLICY BEFORE. IL T8 01 0101 PAGE: 1 OF 3 POLICY NUMBER: 680-2H705893-18-42 EFFECTIVE DATE: 08/19/2018 ISSUE DATE: 08/20/2018 COMMERCIAL GENERAL LIABILITY (CONTINUED) CG D4 36 01 15 AMENDMENT OF COVERAGE B - PERSONAL AND ADVERTISING INJURY LIABILITY - TECHNOLOGY * GN 00 79 01 90 PRIMARY INS WAIVER - TRANSFER RIGHTS - RECOVERY AGNST OTHERS CG DO 37 04 05 OTHER INSURANCE - ADDITIONAL INSUREDS CG D2 03 12 97 AMEND - NON CUMULATION OF EACH OCC CG D4 13 04 08 AMEND COVG - POLLUTION -EQUIP EXCEPTION CG D4 17 01 12 TECHNOLOGY XTEND ENDORSEMENT CG D2 88 11 03 EMPLOYMENT-RELATED PRACTICES EXCLUSION CG D3 26 10 11 EXCLUSION - UNSOLICITED COMMUNICATION CG D3 56 05 14 MOBILE EQUIPMENT REDEFINED - EXCLUSION OF VEHICLES SUBJECT TO MOTOR VEHICLE LAWS CG D4 21 07 08 AMEND CONTRAL LIAB EXCL - EXC TO NAMED INS CG D6 18 10 11 EXCLUSION - VIOLATION OF CONSUMER FINANCIAL PROTECTION LAWS CG D7 46 01 15 EXCLUSION - ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION CG D1 42 01 99 EXCLUSION - DISCRIMINATION CG D2 42 01 02 EXCLUSION - WAR CG T4 78 02 90 EXCLUSION - ASBESTOS CYBERFIRST ESSENTIALS LIABILITY ENDORSEMENTS * PR TO 19 02 12 CYBERFIRST ESSENTIALS COVERAGE PART DECLARATIONS PR T1 13 02 12 CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM PR T1 14 02 12 CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY COVERAGE FORM PR T1 15 10 13 CYBERFIRST ESSENTIALS TECH PROD OR SERVICES ERRORS AND OMISSIONS LIAB COVERAGE PR T5 00 02 12 CYBERFIRST ESSENTIALS GENERAL PROVISIONS PLUS ENDORSEMENT PR T5 21 03 15 COVG FOR FINANCIAL INTEREST IN FOREIGN INSURED ORGANIZATIONS-CYBERFIRST ESSENTIALS PR T4 98 02 12 CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY PLUS ENDORSEMENT PR T4 99 10 13 CYBERFIRST ESSENTIALS ERRORS AND OMISSIONS LIABILTY PLUS ENDORSEMENT * PR T5 01 03 15 BREACH ESSENTIALS ENDORSEMENT - TECHNOLOGY PR T5 14 01 15 AMEND OF AI AND PI DEFINITIONS - INFORMATION SECURITY LIABILITY PR F3 46 02 12 CALIFORNIA MANDATORY ENDORSEMENT EMPLOYMENT PRACTICES LIABILITY * PR TO 07 02 15 EMPLOYMENT PRACTICES LIAB COVG PART DEC PR T1 10 04 09 EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM * TEXT IN THIS FORM HAS CHANGED, OR THE FORM WAS NOT ON POLICY BEFORE. IL T8 01 01 01 PAGE: 2 OF 3 POLICY NUMBER: 680-2x705893-18-42 EFFECTIVE DATE: 08/19/2018 ISSUE DATE: 08/20/2018 EMPLOYMENT PRACTICES LIABILITY (CONTINUED) PR T5 23 03 15 COVG FOR FINANCIAL INTEREST IN FOREIGN ORGANIZATIONS -EMPLOYMENT PRACTICES LIABILITY MULTIPLE SUBLINE ENDORSEMENTS CG D4 09 04 08 AMENDMENT OF BODILY INJURY DEFINITION CG D4 19 07 08 AMENDMENT OF PROPERTY DAMAGE DEFINITION CG T3 33 11 03 LIMITATION WHEN TWO OR MORE POLICIES APPLY INTERLINE ENDORSEMENTS IL T3 68 01 15 FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE IL T4 12 03 15 AMNDT COMMON POLICY COND-PROHIBITED COVG IL T4 14 01 15 CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM MP T9 96 05 07 WORLD BUSINESS ESSENTIALS IL T3 82 05 13 EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA IL 00 21 09 08 NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (BROAD FORM) IL 01 04 09 07 CALIFORNIA CHANGES IL 02 70 09 12 CALIFORNIA CHANGES - CANCELLATION AND NONRENEWAL POLICY HOLDER NOTICES * PN T4 54 01 08 IMPORTANT NOTICE REGARDING INDEPENDENT AGENT AND BROKER COMPENSATION * PN T5 86 04 09 EPL+ - RISK MANAGEMENT LETTER * PN T7 72 07 11 IMPORTANT NOTICE - EMPLOYMENT PRACTICES LIABILITY HOTLINE PN MP 38 01 11 IMPORTANT NOTICE - JURISDICTIONAL INSPECTIONS * TEXT IN THIS FORM HAS CHANGED, OR THE FORM WAS NOT ON POLICY BEFORE. IL T8 01 01 01 PAGE: 3 OF 3 POLICY NUMBER: 680-2H705893-18-42 ISSUE DATE: 08/20/2018 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EARLIER NOTICE OF CANCELLATION/NONRENEWAL This endorsement modifies insurance provided under the following: ALL COVERAGE PARTS INCLUDED IN THIS POLICY SCHEDULE CANCELLATION: Number of Days Notice: 30 WHEN WE DO NOT RENEW (Nonrenewal): PROVISIONS: A. For any statutorily permitted reason other than nonpayment of premium, the number of days re- quired for notice of cancellation, as provided in the CONDITIONS Section of this insurance, or as amended by any applicable state cancellation endorsement applicable to this insurance, is in- creased to the number of days shown in the SCHEDULE above. Number of days Notice: 30 B. For any statutorily permitted reason other than nonpayment of premium, the number of days re- quired for notice of When We Do Not Renew (Nonrenewal), as provided in the CONDITIONS Section of this insurance, or as amended by any applicable state When We Do Not Renew (Nonrenewal) endorsement applicable to this in- surance, is increased to the number of days shown in the SCHEDULE above. IL T3 20 09 97 Copyright, The Travelers Indemnity Company, 1997 Page 1 of 1 POLICY NUMBER: 680-2H705893-18-42 BUSINESSOWNERS ISSUE DATE: 08/20/2018 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE PART SCHEDULE Prem/Loc No. Building No. 001 001 The Windstorm or Hail Deductible, as shown in the Schedule, applies to loss of or damage to Covered Property caused directly or indirectly by Windstorm or Hail, regardless of any other cause or event that con- tributes concurrently or in any sequence to the loss or damage. If loss or damage from a covered weather condition other than Windstorm or Hail occurs, and that loss or damage would not have occurred but for the Windstorm or Hail, such loss or damage will be considered to be caused by Windstorm or Hail and therefore part of the Windstorm or Hail occurrence. With respect to Covered Property at a described premises identified in the Schedule, no other deducti- ble applies to the Windstorm or Hail. The Windstorm or Hail Deductible applies whenever there is an occurrence of Windstorm or Hail. As used in this endorsement, the terms "specific in- surance" and "blanket insurance" have the following meanings: Specific insurance covers each item of insurance (for example, each building or personal property in a building) under a separate Limit of In- surance. Blanket insurance covers two or more items of insurance (for example, a building and personal property in that building, or two buildings) under a single Limit of Insurance. Items of insurance and cor- responding Limit(s) of Insurance are shown in the Declarations. WINDSTORM OR HAIL DEDUCTIBLE CLAUSE A. All Policies 1. A Windstorm or Hail Deductible is calculated separately for, and applies separately to: Windstorm or Hail Deductible Percentage - enter 1%, 2%, 3%, 4%, 5% or 10% 3% a. Each building, if two or more buildings sustain loss or damage; b. The building and to personal property in that building, if both sustain loss or dam- age; c. Personal property at each building, if per- sonal property at two or more buildings sustains loss or damage; d. Personal property in the open. 2. We will not pay for loss or damage until the amount of loss or damage exceeds the appli- cable Windstorm or Hail Deductible. We will then pay the amount of loss or damage in ex- cess of that Deductible. But we will not pay more than the applicable Limit of Insurance. B. Calculation Of The Deductible — Specific In- surance In determining the amount, if any, that we will pay for loss or damage, we will deduct an amount equal to 1%, 2%, 3%, 4%, 5% or 10% (as shown in the Schedule) of the Limit(s) of Insurance ap- plicable to the property that has sustained loss or damage. C. Calculation Of The Deductible — Blanket In- surance In determining the amount, if any, that we will pay for loss or damage, we will deduct an amount equal to 1%, 2%, 3%, 4%, 5% or 10% (as shown in the Schedule) of the value(s) of the property that has sustained loss or damage. The value(s) to be used are those shown in the Statement of Values on file with us. If there is no Statement of MP T1 75 03 06 Includes the copyrighted material of Insurance Services Office, with its permission. Page 1 of 2 BUSINESSOWNERS Values on file with us, then the value(s) to be used will be the value of the property at the time of loss. D. Calculation Of The Deductible - Property Cov- ered Under The Newly Acquired or Con- structed Property Additional Coverage The following applies when property is covered under the Newly Acquired or Constructed Property Additional Coverage: In determining the amount, if any, that we will pay for loss or damage to such property, we will de- duct an amount equal to a percentage of the value(s) of the property at time of loss. The appli- cable percentage for Newly Acquired or Con- structed Property is the highest percentage shown in the Schedule. EXAMPLES - APPLICATION OF DEDUCTIBLE Example #1 - Specific Insurance The amounts of loss to the damaged property are $60,000 (building) and $40,000 (business personal property in building). The value of the damaged building at time of loss is $100,000. The value of the business personal prop- erty in that building is $80,000. The actual Limits of Insurance on the damaged prop- erty are $80,000 on the building and $64,000 on the business personal property. The Deductible is 2%. Building Step (1): $80,000 X 2% = $1,600 Step (2): $60,000 - $1,600 = $58,400 Business Personal Property Step (1) $64,000 X 2% = $1,280 Step (2): $40,000 - $1,280 = $38,720 The most we will pay is $97,120 ($58,400 + $38,720). The portion of the total loss that is not covered due to the application of the Deductible is $2,880 ($1,600 + $1,280). Example #2 - Specific Insurance The amounts of loss to the damaged property are $60,000 (building) and $40,000 (business personal property in building). The actual Limits of Insurance on the damaged prop- erty are $100,000 on the building and $64,000 on the business personal property. The Deductible is 2%. Building Step (1): $100,000 X 2% = $2,000 Step (2): $60,000 - $2,000 = $58,000 Business Personal Property Step (1) $64,000 X 2% = $1,280 Step (2): $40,000 - $1,280 = $38,720 The most we will pay is $96,720 ($58,000 + $38,720). The portion of the total loss that is not covered due to the application of the Deductible is $3,280 ($2,000 + $1,280). Example #3 - Blanket Insurance The sum of the values of Building #1 ($500,000), Building #2 ($500,000) and Building #3 ($1,000,000) as shown in the Declarations is $2,000,000. Buildings #1 and #2 have sustained damage; the amounts of loss to these buildings are $40,000 (Build- ing #1) and $20,000 (Building #2). The Deductible is 2%. Building #1 Step (1): $500,000 X 2% = $10,000 Step (2): $40,000 - $10,000 = $30,000 Building #2 Step (1): $500,000 X 2% = $10,000 Step (2): $20,000 - $10,000 = $10,000 The most we will pay is $40,000 ($30,000 + $10,000). The portion of the total loss that is not covered due to the application of the Deductible is $20,000. Page 2 of 2 Includes the copyrighted material of Insurance Services Office, with its permission. MP T1 75 03 06 POLICY NUMBER: 680-2x705893-18-42 BUSINESSOWNERS ISSUE DATE: 08-20-18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE PART The following is added to Paragraph G.19.a.(1)(i) under "Period of Restoration" definition: (c) 24 hours after the time of direct physical loss or damage, if the Declarations show 24 hours for Period of Restoration — Time Period; or MP T3 48 10 12 © 2012 The Travelers Companies, Inc. All rights reserved. Page 1 of 1 POLICY NUMBER: 680-2x705893-18-42 BUSINESSOWNERS ISSUE DATE: 08/20/2018 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM Limit of Insurance $ 50000 The following is added to Paragraph A. 7. Coverage Extensions : Water or Sewage Back Up and Sump Overflow (1) When the Declarations show that you have cov- erage for Building or Business Personal Property, you may extend that insurance to apply to direct physical loss of or damage to Covered Property at the described premises caused by or resulting from water or sewage that backs up or overflows from a sewer, drain or sump. (2) When the Declarations show that you have cov- erage for Business Income and Extra Expense, you may also extend that insurance to apply to the actual loss of Business Income you sustain and reasonable and necessary Extra Expense you incur caused by or resulting from water or sewage that backs up or overflows from a sewer, drain or sump. (3) Paragraph B.1.g.(3) does not apply to this Cover- age Extension. (4) The most we will pay under this Coverage Exten- sion in any one occurrence at each described premises is the Limit of Insurance shown in the Schedule above. MP T3 06 02 07 © 2007 The Travelers Companies, Inc. Page 1 of 1 POLICY NUMBER: 680-2x705893-18-42 BUSINESSOWNERS ISSUE DATE: 08/20/2018 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INTERRUPTION OF COMPUTER•' • INCREASED LIMIT This endorsement modifies insurance provided under the following: BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM A. The BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM is changed as follows: 1. The limit applicable to the Coverage Extension — Interruption of Computer Operations is increased from $25,000 to $ 50, 000. MP T3 35 02 05 Copyright, The Travelers Indemnity Company, 2004 Page 1 of 1 POLICY NUMBER: 680-2x705893-18-42 BUSINESSOWNERS ISSUE DATE: 08/20/2018 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DENIAL OF SERVICE ATTACK - TIME ELEMENT ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM SCHEDULE Limit of Insurance: $ 25,000 The following is added to Paragraph A.7. Coverage Extensions: Denial of Service Attack — Time Element (1) When the Declarations show that you have coverage for Business Income and Extra Ex- pense, you may extend that insurance to ap- ply to the actual loss of Business Income you sustain and reasonable and necessary Extra Expense you incur due to the necessary "suspension" of your "Electronic Commerce Computer Operations" during the "Denial of Service Period of Restoration". The "suspen- sion" must be caused by a "Denial of Service Attack". (2) If the necessary "suspension" of your "Elec- tronic Commerce Computer Operations" caused by a "Denial of Service Attack" pro- duces a Business Income loss payable under the Business Income coverage provided in Paragraph (1) above, we will also pay for the actual loss of Business Income you sustain during the period of time that: (a) Begins on the date when service is re- stored and your "Electronic Commerce Computer Operations" are resumed; and (b) Ends on the earliest of the following dates: (i) The date you could restore your "Electronic Commerce Computer Op- erations" with reasonable speed to the level which would generate the Business Income amount that would have existed if no "Denial of Service Attack" had occurred; or (3) The following additional exclusions apply to this Coverage Extension: We will not pay for: (a) Any additional loss caused by or resulting from: (i) Direct physical loss or damage to any property, including any computer programs, computer instructions and any other electronic data; or (ii) The time required to repair, replace or restore such lost or damaged prop- erty; even if such loss or damage is the result of a "Denial of Service Attack"; (b) Any loss caused by or resulting from "Electronic Vandalism"; (c) Any increase of loss caused by or result- ing from: (1) Delay in restoring "Electronic Com- merce Computer Operations" ser- vices due to interference by strikers or other persons; or (ii) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the "suspension" of your "Electronic Commerce Com- puter Operations", we will cover such loss that affects your Business In- come during the "Denial of Service Period of Restoration" and during the period described in Paragraph (2) above -,or (ii) 30 consecutive days after the date (d) Any other consequential loss. determined in Paragraph (a) above. MP T3 21 03 06 Includes the copyrighted material of Insurance Services Office, Inc. Page 1 of 3 Includes the copyrighted material of The St. Paul Travelers Companies, Inc. BUSINESSOWNERS (4) The amount of Business Income loss under this Coverage Extension will be determined based on: (a) The Net Income of the business before the "Denial of Service Attack" occurred; (b) The likely Net Income of the business if the "Denial of Service Attack" had not oc- curred; (c) The operating expenses, including payroll expenses, necessary to resume your "Electronic Commerce Computer Opera- tions" with the same quality of service that existed just before the "Denial of Service Attack"; (d) The amount that the reduction in busi- ness volume from your "Electronic Com- merce Computer Operations" is offset by an increase in business volume through other means of commerce; and (e) Other relevant sources of information in- cluding: (i) Your financial records and accounting procedures; (ii) Bills, invoices and other vouchers, and (iii) Deeds, liens or contracts. (5) The amount of Extra Expense under this Cov- erage Extension will be determined based on: (a) The reasonable and necessary expenses that exceed the normal operating ex- penses that would have been incurred by your "Electronic Commerce Computer Operations" during the "Denial of Service Period of Restoration" if no "Denial of Service Attack" had occurred. We will de- duct from the total of such expenses the salvage value that remains of any prop- erty bought for temporary use during the "Denial of Service Period of Restoration", once your "Electronic Commerce Com- puter Operations" are resumed; and (b) The necessary expenses incurred by you to reduce the amount of Business Income loss we otherwise would have paid under this Coverage Extension. (6) Under this Coverage Extension: (a) We will reduce the amount of your Busi- ness Income loss to the extent that you can resume your "Electronic Commerce Computer Operations", in whole or in part, by using other computer systems, other sources of computer services, other computer service providers, any other property or services, or any other means of commerce available to you. (b) We will reduce the amount of your Extra Expense loss to the extent you can return your "Electronic Commerce Computer Operations" to normal and discontinue such Extra Expense. (c) If you do not resume your "Electronic Commerce Computer Operations", or do not resume your "Electronic Commerce Computer Operations" as quickly as pos- sible, we will pay based on the length of time it would have taken to resume your "Electronic Commerce Computer Opera- tions" as quickly as possible. (7) In the event of a "Denial of Service Attack", you must take all reasonable steps to: (a) Save your computer system logs or the computer system logs of others that are in your care, custody or control; and (b) Secure the computer system logs of oth- ers that are not in your care, custody or control; that document the "Denial of Service Attack" and its inception. (8) With respect only to this Coverage Extension, the Coverage Territory condition as described In Paragraph F.8.b. is amended as follows: Under this Coverage Extension, a "Denial of Service Attack" can originate from anywhere in the world, but this Coverage Extension ap- plies only to loss you incur within the Cover- age Territory as a result of the "suspension" of your "Electronic Commerce Computer Op- erations" within the Coverage Territory. (9) The following additional definitions apply to this Coverage Extension: (a) "Denial of Service Attack" means an identifiable act or series of related acts committed by one or more persons with the intent of restricting or preventing ac- cess to: (i) Your computer systems or the com- puter systems of others in your care, custody or control, that are: a) Located anywhere within the Coverage Territory; and b) Used in your "Electronic Com- merce Computer Operations"; Page 2 of 3 Includes the copyrighted material of Insurance Services Office, Inc. MP T3 21 03 06 Includes the copyrighted material of The St. Paul Travelers Companies, Inc. Computer systems that are: a) Owned by others whom you have contracted with, in writing, to per- form or provide computer ser- vices, on your behalf, in your "Electronic Commerce Computer Operations"; and b) Located anywhere within the Coverage Territory; or (iii) The computer systems of the Internet or other computer communication network, located anywhere in the world, but only to the extent that the "Denial of Service Attack" on such systems affects your "Electronic Commerce Computer Operations" within the Coverage Territory; by inundating the computer system(s) with protocols or instructions, transmitted over the Internet or other computer com- munication network, which trigger the use of the computer system's resources to the extent that the capacity of those re- sources to accommodate authorized us- ers is depleted. All loss caused by or involving: (i) One person acting alone; or (ii) Multiple persons acting in collusion with each other; whether the result of a single act or a se- ries of related acts, will constitute a single "Denial of Service Attack" occurrence. (b) "Denial of Service Period of Restora- tion" means the period of time that: (i) Begins 24 hours after the time that the "suspension" of your "Electronic Commerce Computer Operations" caused by a "Denial of Service At- tack" first begins; and (ii) Ends on the date when service should be restored and your "Elec- tronic Commerce Computer Opera- tions" should be resumed with rea- sonable speed and similar quality. BUSINESSOWNERS (c) "Electronic Commerce Computer Op- erations" means your normal computer activities that: (i) Involve the collection, recording, creation, generation, receipt, trans- mission, communication, processing, retrieval, display or storage of data, in an electronic or digital format; (ii) Are conducted via the Internet or other computer communication net- work between: a) Any of the following: i) Your computer systems; ii) The computer systems of others in your care, custody or control; or iii) The computer systems of others whom you have con- tracted with, in writing, to per- form such computer services on your behalf; all wherever located within the Coverage Territory; and b) The computers or computer sys- tems of others (other than the computers or computer systems of others described in Para- graphs a)ii) and a)iii) above), wherever located, anywhere in the world: and (iii) Are conducted by you for the purpose of transacting business and directly generating income. (10) The most we will pay for Business Income and Extra Expense under this Coverage Extension is the Limit of Insurance shown in Schedule above for the sum of all covered loss arising out of all "Denial of Service At- tacks" occurring during each separate 12 month period of this policy beginning with the effective date of this endorsement. (11) Payments made under this Coverage Ex- tension are in addition to the applicable Limits of Insurance. MP T3 21 03 06 Includes the copyrighted material of Insurance Services Office, Inc. Page 3 of 3 Includes the copyrighted material of The St. Paul Travelers Companies, Inc. POLICY NUMBER: 680-2x705893-18-42 COMMERCIAL GENERAL LIABILITY ISSUE DATE: 08/20/2018 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED -STATE OR POLITICAL SUBDIVISIONS -PERMITS RELATING TO PREMISES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE State or Political Subdivision: COSTA MESA SANITARY DISTRICT 290 PAULARINO AVE COSTA MESA CA 92626 (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) WHO IS AN INSURED (Section II) is amended to include as an insured any state or political sub- division shown in the Schedule, subject to the follow- ing additional provision: This insurance applies only with respect to the follow- ing hazards for which the state or political sub- division has issued a permit in connection with premises you own, rent, or control and to which this insurance applies: 1. The existence, maintenance, repair, construction, erection, or removal of advertising signs, awn- ings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoist away openings, sidewalk vaults, street banners, or decorations and similar exposures; or 2. The construction, erection, or removal of elevators; or 3. The ownership, maintenance, or use of any elevators covered by this insurance. CG 20 13 11 85 Copyright, Insurance Services Office, Inc., 1984 Page 1 of 1 POLICY NUMBER: 680-2x705893-18-42 COMMERCIAL GENERAL LIABILITY ISSUE DATE: 08/20/2018 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED -STATE OR POLITICAL SUBDIVISIONS -PERMITS RELATING TO PREMISES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE State or Political Subdivision: PER IL T8 02 6550 MILES AVENUE HUNTINGTON PARK CA 90256 (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) WHO IS AN INSURED (Section II) is amended to include as an insured any state or political sub- division shown in the Schedule, subject to the follow- ing additional provision: This insurance applies only with respect to the follow- ing hazards for which the state or political sub- division has issued a permit in connection with premises you own, rent, or control and to which this insurance applies: 1. The existence, maintenance, repair, construction, erection, or removal of advertising signs, awn- ings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoist away openings, sidewalk vaults, street banners, or decorations and similar exposures; or 2. The construction, erection, or removal of elevators; or 3. The ownership, maintenance, or use of any elevators covered by this insurance. CG 20 13 11 85 Copyright, Insurance Services Office, Inc., 1984 Page 1 of 1 POLICY NUMBER: 680-2x705893-18-42 COMMERCIAL GENERAL LIABILITY ISSUE DATE: 08/20/2018 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY INSURANCE WAIVER OF TRANSFER RIGHTS OF RECOVERY AGAINST OTHERS AMENDMENT - SEPARATION OF INSUREDS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART NAME OF PERSON OR ORGANIZATION PER IL T8 03 628 W. 19TH ST. COSTA MESA CA 92627 1. The following amend SECTION IV—COMMER- CIAL GENERAL LIABILITY CONDITIONS: a. This insurance is primary with respect to the additional insured. Any other insuranceavail- able to that person or organization is excess and non-contributing. b. We waive any right of recovery we may have against the person or organization shown in the Schedule because of payments we make for injury or damage arising out of 'your work" done under a contract with that person or organization. The waiver applies only to the person or organization shown in the Schedule. c. Section IV, COMMERCIAL GENERAL LIABILITY CONDITIONS, Part 7, Separation of Insureds is amended to include paragraph c: (c) The inclusion of any person or organiza- tion as an insured will not affect any rights that person or organization would have as a claimant if not included as an insured. GN 00 79 01 90 Copyright, The Travelers Indemnity Company. Page 1 of 1 TRAVELERSJft, CYBERFIRST ESSENTIALS COVERAGE PART DECLARATIONS One Tower Square, Hartford, Connecticut 06183 POLICY NUMBER: 680-2x705893-18-42 ISSUE DATE: 08-20-18 THIS COVERAGE IS PROVIDED ON A CLAIMS -MADE BASIS. DEFENSE EXPENSES ARE PAYABLE WITHIN, AND ARE NOT IN ADDITION TO, THE LIMITS OF INSURANCE. INSURING COMPANY: TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA Policy Period: From 08-19-18 to 08-19-19 12:01 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. Information Security Retroactive Date: 08-19-16 Errors And Omissions Retroactive Date: 05-15-15 The CyberFirst Essentials Coverage Part consists of these Declarations, the CyberFirst Essentials General Provi- sions Form and the Coverage Forms shown below. ITEM 1. COVERAGE CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY COVERAGE FORM CYBERFIRST ESSENTIALS TECHNOLOGY PRODUCTS AND SERVICES ERRORS AND OMISSIONS LIABILITY COVERAGE FORM ITEM 2. LIMITS OF INSURANCE: Aggregate Limit $ 1,000,000 Each Wrongful Act Limit $ 1,000,000 ITEM 3. DEDUCTIBLE: Each Wrongful Act Deductible $ 1,000 ITEM 4. NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING THIS COVERAGE PART ARE ATTACHED AS A SEPAR ATE LISTING. PR TO 19 02 12 Page 1 of 1 POLICY NUMBER: 680-2x705893-18-42 CYBER LIABILITY ISSUE DATE: 08-20-18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BREACH ESSENTIALS ENDORSEMENT - TECHNOLOGY This endorsement modifies insurance provided under the following: CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY COVERAGE FORM CYBERFIRST ESSENTIALS TECHNOLOGY PRODUCTS AND SERVICES ERRORS AND OMISSIONS LIABILITY COVERAGE FORM SCHEDULE OF CYBER FIRST -PARTY LIMIT AND DEDUCTIBLE Cyber First -Party Limit and Deductible PROVISIONS A. INTRODUCTION The following is added to the Introductory Note in the CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM: THE LIMITS OF INSURANCE WILL BE REDUCED BY THE PAYMENT OF: 1. YOUR SECURITY BREACH NOTIFICATION AND REMEDIATION EXPENSES, YOUR PAYMENT CARD EXPENSES AND YOUR CRISIS MANAGEMENT SERVICE EXPENSES COVERED BY YOUR CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY COVERAGE FORM; AND 2. YOUR CRISIS MANAGEMENT SERVICE EXPENSES COVERED BY YOUR CYBERFIRST ESSENTIALS TECHNOLOGY PRODUCTS OR SERVICES ERRORS AND OMISSIONS LIABILITY COVERAGE FORM, IF THAT COVERAGE FORM IS PART OF YOUR POLICY. B. CYBER FIRST -PARTY COVERAGES 1. The following is added to Paragraph 1., Insuring Agreement, of SECTION I — INFORMATION SECURITY LIABILITY COVERAGE in the CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY COVERAGE FORM: Security Breach Notification And Remediation Expenses And Payment Card Expenses Coverage We will reimburse you for loss to which this insurance applies that is "your security Limit Deductible $ 250,000 $ 5,000 breach notification and remediation expenses" or "your payment card expenses" directly attributed to a "security breach" that: (1) Is caused by an "information security wrongful act" committed on or after the Information Security Retroactive Date shown in the Declarations of this Coverage Part and before the end of the policy period; (2) Occurs during the policy period; and (3) Is first reported to us during the policy period or within 90 days after the end of the policy period. But we will not reimburse you for "your payment card expenses" that are "payment card contract penalties" or "chargebacks" unless you have agreed to pay such "payment card contract penalties" or "chargebacks" in a "merchant service agreement" you entered into before such "security breach" occurred. Each "security breach" in a series of "related security breaches" will be deemed to occur on the date ,the first "security breach" in that series occurs. A "security breach" will be deemed to have been first reported to us on the date that we first receive a written notice of such "security breach" from any insured or any authorized government entity. In the event of a "foreign cyber first -party loss" that is "your security breach notification and remediation expenses" or "your payment PR T5 01 03 15 © 2014 The Travelers Indemnity Company. All rights reserved. Page 1 of 6 CYBER LIABILITY card expenses" incurred and paid by a In the event of a "foreign cyber first -party "foreign insured organization", we will loss" that is "your crisis management service reimburse the first Named Insured, or any expenses" incurred and paid by a "foreign other Named Insured that is not a "foreign insured organization", we will reimburse the insured organization", for such "foreign cyber first Named Insured, or any other Named first -party loss" because of its "financial Insured that is not a "foreign insured interest" in that "foreign insured organization". organization", for such "foreign cyber first - For purposes of this insurance: party loss" because of its "financial interest" (1) "Your security breach notification and in that "foreign insured organization". For remediation expenses" that we reimburse purposes of this insurance, "your crisis as "foreign cyber first -party loss" will be management service expenses" that we deemed to be "your security breach reimburse as "foreign cyber first -party loss" notification and remediation expenses"; will be deemed to be "your crisis (2) "Your payment card expenses" that we management service expenses" under this reimburse as "foreign cyber first -party Crisis Management Service Expenses loss" will be deemed to be "your payment Coverage. card expenses"; 2. The following is added to Paragraph 1., under this Security Breach Notification and Insuring Agreement, of SECTION 1 — Remediation Expenses And Payment Card ERRORS AND OMISSIONS LIABILITY Expenses Coverage. COVERAGE in the CYBERFIRST Crisis Management Service Expenses ESSENTIALS TECHNOLOGY PRODUCTS OR SERVICES ERRORS AND OMISSIONS Coverage LIABILITY COVERAGE FORM, if that We will reimburse you for "your crisis coverage form is part of your policy: management service expenses" that: Crisis Management Service Expenses (1) Arise out of loss to which this insurance Coverage applies that is caused by an "information security wrongful act" committed on or We will reimburse you for "your crisis after the Information Security Retroactive management service expenses" that: Date shown in the Declarations of this (1) Arise out of loss to which this insurance Coverage Part and before the end of the applies that is caused by an "errors and policy period; omissions wrongful act" committed on or (2) Are first incurred by you during the policy after the Errors And Omissions period; and Retroactive Date shown in the (3) Are reported to us during the policy Declarations of this Coverage Part and period or within 90 days after the end of before the end of the policy period; the policy period. (2) Are first incurred by you during the policy Each "information security wrongful act" in a period: and series of "related information security (3) Are reported to us during the policy wrongful acts" will be deemed to have been period or within 90 days after the end of committed on the date the first "information the policy period. security wrongful act" in that series is committed. Each "errors and omissions wrongful act" in a Any of "your crisis management service series of "related errors and omissions wrongful acts" will be deemed to have been expenses" that: committed on the date the first "error and (1) Are first incurred by you after the end of omissions wrongful act" in that series is the policy period; and committed. (2) Relate to any of "your crisis management Any of "your crisis management service service expenses" that are first incurred expenses" that: by you during the policy period; (1) Are first incurred by you after the end of will be deemed to have been incurred by you the policy period; and during the policy period. Page 2 of 6 0 2014 The Travelers Indemnity Company. All rights reserved. PR T5 01 03 15 (2) Relate to any of "your crisis management service expenses" that are first incurred by you during the policy period; will be deemed to have been incurred by you during the policy period. In the event of a "foreign cyber first -party loss" that is "your crisis management service expenses" incurred and paid by a "foreign insured organization", we will reimburse the first Named Insured, or any other Named Insured that is not a "foreign insured organization", for such "foreign cyber first - party loss" because of its "financial interest" in that "foreign insured organization". For purposes of this insurance, "your crisis management service expenses" that we reimburse as "foreign cyber first -party loss" will be deemed to be "your crisis management service expenses" under this Crisis Management Service Expenses Coverage. 3. The following replaces the third paragraph of Paragraph 1.a., Defense Of Claims Or Suits, of SECTION I — COVERAGE in the CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM: We may, at our discretion, investigate any "wrongful act" or "claim" and settle any "claim" or "suit". But our right and duty to defend ends when we have used up the: a. Aggregate Limit in the payment of: (1) Judgments, settlements or "defense expenses'; and (2) Loss that is "your cyber first -party loss"; or b. Each Wrongful Act Limit in the payment 'of judgments, settlements or "defense expenses". 4. The following replaces the last paragraph of Paragraph 2., Supplementary Payments, of SECTION I — COVERAGE in the CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM: Our duty to make such payments ends when we have used up the: a. Aggregate Limit in the payment of: (1) Judgments, settlements or "defense expenses"; and (2) Loss that is "your cyber first -party loss"; or CYBER LIABILITY b. Each Wrongful Act Limit in the payment of judgments, settlements or "defense expenses". S. The following exclusion is added to Paragraph 2., Exclusions, of SECTION I — INFORMATION SECURITY LIABILITY COVERAGE in the CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY COVERAGE FORM: PCI Attestation Of Compliance "Your payment card expenses" if: (1) You have not attested compliance with the "payment card security standards" by completing and signing a "PCI attestation of compliance" within the twelve months immediately preceding the "security breach"; or (2) You fraudulently or intentionally misrepresent that you are in compliance with the "payment card security standards" in completing the "PCI attestation of compliance". C. LIMITS OF INSURANCE 1. The following is added to SECTION 111 — LIMITS OF INSURANCE in the CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM: Subject to the Aggregate Limit, the Cyber First -Party Limit shown in the Schedule Of Cyber First -Party Limit And Deductible is the most we will pay for the sum of all loss that is "your cyber first -party loss". 2. The following replaces the first paragraph of Paragraph 2. of SECTION III — LIMITS OF INSURANCE in the CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM: The Aggregate Limit is the most we will pay for the sum of all: a. "Damages" and "defense expenses" for the combined total of all "claims" or "suits" for loss; and b. Loss that is "your cyber first -party loss"; to which the insurance provided under one or more of "your cyber liability coverage forms" applies. D. DEDUCTIBLE 1. The following is added to the last sentence of Paragraph 1. of SECTION IV — DEDUCTIBLE in the CYBERFIRST PR TS 01 03 15 0 2014 The Travelers Indemnity Company. All rights reserved. Page 3 of 6 CYBER LIABILITY ESSENTIALS GENERAL PROVISIONS FORM: The Each Wrongful Act Deductible does not apply to payments we make for loss that is "your cyber first -party loss." 2. The following is added to SECTION IV — DEDUCTIBLE in the CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM: We will not reimburse you for any of 'your cyber first -party loss" to which this insurance applies until the amount of such loss exceeds the deductible shown in the Schedule Of Cyber First -Party Limit And Deductible. We will then reimburse you for the amount of such loss in excess of the deductible, up to the limit of insurance shown in the Schedule. E. CYBER LIABILITY CONDITIONS 1. The following is added to Paragraph 14., Currency, of SECTION V — CYBER LIABILITY CONDITIONS in the CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM: Payments for loss that is 'your cyber first - party loss" will be in currency of the United States of America. At our sole option, we may make these payments in a different currency. Any necessary currency conversion for such payments will be calculated based on the rate of exchange published in the Wall Street Journal immediately preceding the date the payment is processed. 2. The following is added to SECTION V — CYBER LIABILITY CONDITIONS in the CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM: Duties In The Event Of A Security Breach a. You must see to it that we are notified in writing as soon as practicable of a "security breach" which may result in "your security breach notification and remediation expenses" or "your payment card expenses". Such notice should include: (1) Authorize us to obtain records and other information; (2) Cooperate with us in the investigation of the "security breach"; and (3) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to you because of loss to which this insurance may also apply. Duties In The Event Of An Information Security Wrongful Act That Causes A Foreign Cyber First -Party Loss In the event an "information security wrongful act' causes a "foreign cyber first -party loss", the first Named Insured must comply with all conditions of this policy as if the insured that incurred and paid such "foreign cyber first - party loss" is not a "foreign insured organization". F. DEFINITIONS The following is added to the DEFINITIONS Section in the CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM: "Chargebacks": a. Means "payment card" charge reversals because of the fraudulent use of "payment cards" or "identity information". b. Includes transaction fees assessed to process such "payment card" charge reversals. "Merchant service agreement" means a contract between you and an acquiring bank or other acquiring institution that establishes the terms and conditions for accepting and processing "payment card" transactions. "Payment card" means a credit card, debit card or charge card issued by a financial institution. "Payment card contract penalties": a. Means fines or penalties incurred by you after a "security breach" because of non- compliance with the "payment card security standards". (1) How, when and where the "security b. Does not include: breach" occurred; and (2) The nature and extent of fees, costs (1) Fines or penalties assessed because of not promptly reporting a "security or expenses incurred and paid by you breach"; which can be directly attributed to a security breach". (2) Fines or penalties assessed because of b. You must: failure to properly validate system Page 4 of 6 0 2014 The Travelers Indemnity Company. All rights reserved. PR TS 01 03 15 security according to the "payment card security standards"; or (3) Any interchange fees or changes in interchange fee schedules. "Payment card security standards" means: a. The most current edition of security standards contained in: (1) The Payment Card Industry Data Security Standards program (PCI DSS); (2) Visa's Cardholder Information Security Program (CISP); (3) MasterCard's Site Data Protection program (SDP); (4) American Express's Data Security Operating Policy; or (5) Discover's Information Security and Compliance program (DISC); or b. Other security standards similar to those in Paragraphs a.(1) through a.(5) above that you have agreed to in a "merchant service agreement" with a financial institution; that apply to you. "PCI attestation of compliance" means the declaration of compliance status with the Payment Card Industry Data Security Standards program found in the "PCI self-assessment questionnaire" that applies to you. "PCI forensic investigation" means a professional review of your computer systems by a "qualified forensic investigator" to determine your compliance with the "payment card security standards". "PCI self-assessment questionnaire" means the questionnaire, developed by the Payment Card Industry Security Standards Council, that assists you in self-evaluation of your compliance with the "payment card security standards". "Qualified forensic investigator" means an organization approved by the applicable "payment card" issuing bank to conduct forensic investigations after a "security breach". "Qualified security assessor" means a person or organization certified by the Payment Card Industry Security Standards Council to assess compliance with "payment card security standards". CYBER LIABILITY "Related security breaches" means two or more "security breaches" that have as a common connection, tie, or link any fact, circumstance, situation, event, transaction, cause, or series of related facts, circumstances, situation, events, transactions, or causes. "Security breach" means unauthorized access to, or acquisition of, "identity information" owned, licensed, maintained or stored by you. "Security breach notification law" means any law or regulation that requires an organization to notify persons that their nonpublic personal information was or may have been accessed or acquired without their authorization. "Software and hardware upgrade and scanning services expenses" means: a. Fees, costs or expenses for a "PCI forensic investigation" arising out of a written notification by a "payment card" issuing bank, merchant bank, acquiring bank or other acquiring institution that you are a likely common point of purchase source of a "security breach" or otherwise involved in a "security breach" to determine if you are in compliance with the "payment card security standards"; b. Costs or expenses to purchase and install anti-virus software, point-of-sale systems software, firewall protection software, or firewall protection hardware that satisfies the requirements of the "payment card security standards", if, after a "security breach", it is determined through a "PCI forensic investigation" that you are out of compliance with the "payment card security standards"; or c. Costs for the scanning services of a "qualified security assessor" to certify that your upgraded software and hardware systems meet the requirements of the "payment card security standards", but only for the first such scanning services after your software or hardware systems, or both, are upgraded. "Your crisis management service expenses": a. Means the reasonable fees, costs or expenses incurred and paid by you in: (1) Retaining a public relations consultant or firm, or a crisis management consultant or firm; or (2) Planning or executing your public relations campaign; PR T5 01 03 15 0 2014 The Travelers Indemnity Company. All rights reserved. Page 5 of 6 CYBER LIABILITY to mitigate any actual or potential negative publicity generated from loss to which this insurance applies. b. Does not include fees, costs or expenses you incur to comply with any law or regulation. "Your cyber first -party loss" means loss that is: a. "Your security breach notification and remediation expenses"; b. "Your payment card expenses"; or c. "Your crisis management service expenses". "Your payment card expenses": a. Means any of the following reasonable fees, costs or expenses incurred and paid by you which are directly attributed to a "security breach": (1) "Software and hardware upgrade and scanning services expenses"; (2) "Payment card contract penalties"; or (3) "Chargebacks". b. Does not include: (1) Remuneration paid to your regular "employees" for work beyond their normal scheduled hours; (2) Fees, costs, or expenses of outside consultants retained by you, unless we agree to reimburse you for such fees, costs, or expenses; (3) Amounts that you voluntarily agree to pay to any person whose "identity information" was accessed or acquired without his or her authorization; (4) Fees, costs, or expenses in: (a) Retaining a public relations consultant or firm, or a crisis management consultant or firm; or (b) Planning or executing your public relations campaign; to mitigate any actual or potential negative publicity generated from the "security breach"; or (5) "Your security breach notification and remediation expenses". "Your security breach notification and remediation expenses": which can be directly attributed to a "security breach": (1) Forensic fees, costs or expenses to determine the cause of the "security breach" and the persons whose "identity information" was accessed or acquired without their authorization. (2) Fees, costs or expenses to develop documents or materials to notify the persons whose "identity information" was accessed or acquired without their authorization. (3) Costs of mailings or other communications required to notify the persons whose "identity information" was accessed or acquired without their authorization. (4) Costs of providing 365 days of credit monitoring services to persons whose "identity information" was accessed or acquired without their authorization, starting with the date that you first notify such persons of the "security breach". (5) Costs of establishing and maintaining a call center to be used by persons whose "identity information was accessed or acquired without their authorization. (6) Any other fees, costs, or expenses necessary to comply with any "security breach notification law" that applies to you. b. Does not include: (1) Remuneration paid to your regular "employees" for work beyond their normal scheduled hours. (2) Fees, costs, or expenses of outside consultants retained by you, unless we agree to reimburse you for such fees, costs, or expenses. (3) Fines or penalties imposed by law or that any insured has agreed to pay for any reason. (4) Amounts that you voluntarily agree to pay to any person whose "identity information" was accessed or acquired without his or her authorization. a. Means any of the following reasonable fees, (5) "Your crisis management service costs or expenses incurred and paid by you expenses". Page 6 of 6 © 2014 The Travelers Indemnity Company. All rights reserved. PR T5 01 03 15 EMPLOYMENT PRACTICES LIABILITY' EMPLOYMENT PRACTICES LIABILITY} AW TRAVELERS J One Tower Square, Hartford, Connecticut 06183 EMPLOYMENT PRACTICES LIABILITY+ POLICY NO.: 680-2H705893-18-42 WITH IDENTITY FRAUD EXPENSE ISSUE DATE:08/20/2018 REIMBURSEMENTCOVERAGE PART DECLARATIONS THIS FORM PROVIDES CLAIMS -MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY FOR EMPLOYMENT PRACTICES LIABILITY COVERAGE INSURING COMPANY: TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA POLICY PERIOD: From 08/19/2018 to 08/19/2019 12:01 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Employment Practices Liability+ With Identity Fraud Expense Reimbursement Coverage Part consists of these Declarations and the Coverage Form shown below. ITEM 1. LIMIT OF INSURANCE AND RETENTION FOR EMPLOYMENT PRACTICES LIABILITY COVERAGE Limit of Insurance: $ 100,000 (Defense Expenses are included within the Limit of Insurance) Retention Amount applicable to each Employment Practices Liability Claim: $ 2, 500 ITEM 2. LIMIT OF INSURANCE AND DEDUCTIBLE FOR IDENTITY FRAUD EXPENSE REIMBURSEMENT COVERAGE Limit of Insurance: $ 2,500 Deductible Amount applicable to Identity Fraud Expense Reimbursement: $ 0 ITEM 3. EMPLOYMENT PRACTICES LIABILITY COVERAGE EXTENDED REPORTING PERIOD Subject to the terms and conditions of the Employment Practices Liability Coverage, an optional Extended Re- porting Period may be purchased for: 12 months for 75% % of the Premium for the Policy Period. ITEM 4. EMPLOYMENT PRACTICES LIABILITY CONTINUITY DATE Continuity Date: 08/19/2016 ITEM S. PREMIUM: INCLUDED ITEM 6. NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. PR TO 07 02 15 0 2015 The Travelers Indemnity Company. All rights reserved. Page 1 of 1 GENERAL PURPOSE ENDORSEMENT POLICY NUMBER: 680-2H705893-18-42 V0 Dialt Wi)j;* to)Do?ffi* ISSUE DATE: 08/20/2018 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY INSURANCE WAIVER OF TRANSFER RIGHTS OF RECOVERY AGAINST OTHERS AMENDMENT - SEPARATION OF INSUREDS This endorsement modifies insurance provided under the following: PER IL T8 03 THE COSTA MESA SANITARY DISTRICT, ITS ELECTED AND APPOINTED OFFICIALS, AGENTS, OFFICERS, VOLUNTEERS AND EMPLOYEES ARE ADDITIONAL INSUREDS IL T8 03 08 18 Page 1 of 1 GENERAL PURPOSE ENDORSEMENT TECH OFFICE PAC POLICY NUMBER: 680-2H705893-18-42 ISSUE DATE: 08/20/2018 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION - PERMITS OR AUTHORIZATIONS This endorsement modifies insurance provided under the following: PER IL T8 02 THE CITY OF HUNTINGTON PARK, ITS OFFICERS, OFFICIALS, EMPLOYEES, AND VOLUNTEERS ARE TO BE COVERED AS ADDITIONAL INSUREDS IL T8 02 08 18 Page 1 of 1 Emergency Travel Assistance Services TRAVELERS J� � to ce c9oa Cive we care Insured Name:LAN WAN ENTERPRISE INC Policy Number: 680-2H705893-18-42 Employees are eligible for medical and personal assistance services. In the event of an emergency, first call local emergency services and then contact us. Emergency Travel Assistance Services J* taceTRAVELERSassistance c,. oa Cive we care Insured NamezAN wAN ENTERPRISE INC Policy Number:680-2H705893-I8-42 Employees are eligible for medical and personal assistance services. In the event of an emergency, first call local emergency services and then contact us. Emergency Travel Assistance Services AW C europ TRAVELERS J assistance c,. oa Live, we care Insured Name.W WAN ENTERPRISE INC Policy Number:680-2H705893-I8-42 Employees are eligible for medical and personal assistance services. In the event of an emergency, first call local emergency services and then contact us. A copy of this card should be provided to your employees who travel outside the country of their permanent workplace for the purpose of conducting your business. This is not an insurance card. The purpose of this card is to provide contact information for the third -party provider that your employees can call when in need of medical or personal assistance services provided under your Global Executive Support Services Agreement. FRONT When you call, please be ready to Available 2417 provide: Toll free in the US or • Your location, age, gender, and Canada: home address +1 (866) 251-2870 • The telephone number from which' Collect outside of the you are calling and/ or a number! US: +1 (240) 330-1304 where we can reach you These services are not insurance Email: benefits. To the extent these services I ops@europassistance- are not included in your program, you usa.com may be responsible for payment. Alli services must be arranged and approved by Europ Assistance. When you call, please be ready to ( Available 2417 provide: Toll free in the US or • Your location, age, gender, and Canada: home address +1 (866) 251-2870 • The telephone number from which I Collect outside of the you are calling and/ or a number; US: +1 (240) 330-1304 where we can reach you These services are not insurance; Email: benefits. To the extent these services ; ops@europassistance- are not included in your program, you; usa.com may be responsible for payment. All services must be arranged and approved by Europ Assistance. When you call, please be ready to Available 2417 provide: Toll free in the US or • Your location, age, gender, and j Canada: home address +1 (866) 251-2870 • The telephone number from which' Collect outside of the you are calling and/ or a numbers US: +1 (240) 330-1304 where we can reach you These services are not insurance; Email: benefits. To the extent these services! ops@europassistance- are not included in your program, you usa.com may be responsible for payment. All services must be arranged and approved by Europ Assistance. POLICY OVERPRINT INSURED'S NAME: LAN WAN ENTERPRISE INC New/Renewal: R Solicitor Code: SAI: 4848Y1201 MSI: I Rating Mode: S.B. ACCT. EFF. MO. DATE 08/18 08-19-18 Special Code: Program Code: U15 Paymode: L Audit Frequency: Responsibility: I PREMIUM .1500 16,719.00 RENEWING 680-002H705893--17 Type Code POLICY NUMBER: 680-2H705893-18-42 ISSUE DATE: 08/20/2018 RATER: JS EFFECTIVE DATE: 08/19/2018 EXPIRATION DATE: 08/19/2019 Watch File: Survey Code: Reinsurance: f DOWNSTREAM Pro Rata Factor: 1.000 PREMIUM SUMMARY Type Code Description OFFICE: BREA/LA/ORANGE CA 189 PRODUCER NAME: EHAB MAKRAM YASSA DHQ47 Page 1 of 1 16,719.00 16,719.00