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Insurance Certificates 2019/20 AMS Security
The ACORD name and logo are registered marks of ACORD CERTIFICATE HOLDER © 1988-2014 ACORD CORPORATION. All rights reserved. ACORD 25 (2014/01) AUTHORIZED REPRESENTATIVE CANCELLATION DATE (MM/DD/YYYY)CERTIFICATE OF LIABILITY INSURANCE LOCJECTPRO-POLICY GEN'L AGGREGATE LIMIT APPLIES PER: OCCURCLAIMS-MADE COMMERCIAL GENERAL LIABILITY PREMISES (Ea occurrence)$DAMAGE TO RENTED EACH OCCURRENCE $ MED EXP (Any one person) $ PERSONAL & ADV INJURY $ GENERAL AGGREGATE $ PRODUCTS - COMP/OP AGG $ $RETENTIONDED CLAIMS-MADE OCCUR $ AGGREGATE $ EACH OCCURRENCE $ UMBRELLA LIAB EXCESS LIAB DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) INSRLTR TYPE OF INSURANCE POLICY NUMBER POLICY EFF(MM/DD/YYYY)POLICY EXP(MM/DD/YYYY)LIMITS PERSTATUTE OTH-ER E.L. EACH ACCIDENT E.L. DISEASE - EA EMPLOYEE E.L. DISEASE - POLICY LIMIT $ $ $ ANY PROPRIETOR/PARTNER/EXECUTIVE If yes, describe under DESCRIPTION OF OPERATIONS below (Mandatory in NH) OFFICER/MEMBER EXCLUDED? WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N AUTOMOBILE LIABILITY ANY AUTO ALL OWNED SCHEDULED HIRED AUTOS NON-OWNEDAUTOSAUTOS AUTOS COMBINED SINGLE LIMIT BODILY INJURY (Per person) BODILY INJURY (Per accident) PROPERTY DAMAGE $ $ $ $ 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. INSD ADDL WVD SUBR N / A $ $ (Ea accident) (Per accident) OTHER: 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 be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). COVERAGES CERTIFICATE NUMBER:REVISION NUMBER: INSURED PHONE(A/C, No, Ext): PRODUCER ADDRESS:E-MAIL FAX(A/C, No): CONTACTNAME: NAIC # INSURER A : INSURER B : INSURER C : INSURER D : INSURER E : INSURER F : INSURER(S) AFFORDING COVERAGE SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. 6/20/2019 Wood Gutmann &Bogart License #0679263 15901 Red Hill Ave.,Suite 100 Tustin CA 92780 714-505-7000 714-573-1770 Philadelphia Insurance Company ALARM-2 American Automobile 21849AlarmMonitoringServices,Inc DBA:AMS Connect 74-794 42nd Avenue Suite 1 Palm Desert CA 92211 2117800769 A X 1,000,000 X 100,000 5,000 1,000,000 2,000,000 X Y Y PHPK1922628 12/31/2018 12/31/2019 2,000,000 B 1,000,000 X XX Y Y MZA80340913 6/22/2019 6/22/2020 A X X 1,000,000 10,000 PHUB659389 X 1,000,000 12/31/2018 12/31/2019 Certificate holder(s)is/are named as additional insured per the attached endorsements as required by written contract and subject to the terms &conditions of the policy: GL -Additional Insured &Waiver of Subrogation per Form PIGLDSG1013 Auto -Additional Insured &Waiver of Subrogation per Form CA70181014 GL Primary and Non-Contributory applies per attached PNC CG 00 01 04 13 Umbrella follows form CERTIFICATE HOLDER VESTING:City of La Quinta,its officials,employees,and agents See Attached... City of La Quinta 78495 Calle Tampico LaQuinta CA 92253 ACORD 101 (2008/01) The ACORD name and logo are registered marks of ACORD © 2008 ACORD CORPORATION. All rights reserved. THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM, FORM NUMBER:FORM TITLE: ADDITIONAL REMARKS ADDITIONAL REMARKS SCHEDULE Page of AGENCY CUSTOMER ID: LOC #: AGENCY CARRIER NAIC CODE POLICY NUMBER NAMED INSURED EFFECTIVE DATE: ALARM-2 1 1 Wood Gutmann &Bogart Alarm Monitoring Services,Inc DBA:AMS Connect 74-794 42nd Avenue Suite 1 Palm Desert CA 92211 25 CERTIFICATE OF LIABILITY INSURANCE Primary and Non-Contributory applies on the General Liability per attached PIGL0050712 AC"RDI CERTIFICATE OF LIABILITY INSURANCE DATE (MMIOD/YYYY) ��- 01/04/2019 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: Cynthia Cadenhead Temecula Insurance Services PHONN (951) 694-5200 �vc (951) 302-0470 Nn : E-MAIL cynthia@temeculainsuranceservices.com ADDRESS: 41923 Second Street INSURER(S) AFFORDING COVERAGE NAIC # Suite 201 INSURER A: Preferred Employers Insurance Company 10900 Temecula CA 92590 INSURED INSURER B : INSURER C : Alarm Monitoring Services, Inc. P.O. Box 14323 INSURER D: INSURER E: INSURER F : Palm Desert CA 92255 COVERAGES CERTIFICATE NUMBER: CL191402253 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 CONTRACTOR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAYBE 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 LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER POLICY EFF MM/DD POLICY EXP MM/DD LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCEDIAMAGE $ TO RENTED CLAIMS -MADE DOCCUR PREMISES IF,occurrence $ MED EXP (Any one Derson) $ PERSONAL&ADV INJURY S GEN'LAGGREGATE LIMITAPPLIES PER: GENERAL AGGREGATE S POLICY E PRO JECT LOC PRppUCTS- COMP/OPAGG $ $ OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea ,'00"nl $ BODILY INJURY (Per person) $ ANYAUTO OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY (Per accident) $ PROPERTY DAMAGE Par accident) $ HIRED NON -OWNED AUTOS ONLY AUTOS ONLY UMBRELLA LIAR OCCUR EACH OCCURRENCE S HCLAIMS-MADE AGGREGATE S EXCESS LIAB DED I I RETENTION S S A WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N ANY PROPRIETOR/PARTNER/EXECUTIVE OFFICEWMEMBEREXCLUDED? ❑ (Mandatory In NH) N/A EIG128197708 01/21/2019 01/21/2020 �/ X STATUTE ERH E.L. EACH ACCIDENT S 1,000,000 E L. DISEASE - EA EMPLOYEE S 1,000,000 If yes, describe under DESCRIPTION OF OPERATIONS below E L DISEASE - POLICY LIMIT S 1,000,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Proof of Insurance CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of La Quints ACCORDANCE WITH THE POLICY PROVISIONS. 78495 Calle Tampico AUTHORIZED REPRESENTATIVE La Quinta CA 92253 @ 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016103) The ACORD name and logo are registered marks of ACORD WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 04 03 06 (Ed. 4-84) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT-CALIFORNIA We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be 2 % of the California workers' compensation premium otherwise due on such remuneration. Schedule Person or Organization Job Description With respect to all employees subject to the workers' compensation laws of the state of California, any person or organization for whom the Named Insured has agreed by written contract to furnish this waiver. This policy is subject to a minimum charge of $250 for the issuance of waivers of subrogation This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) This endorsement, effective 01/21/2019 at 12:01 AM standard time, forms a part of Policy No. EIG 1281977 08 Of the EMPLOYERS PREFERRED INS. CO. Carrier Code 00920 Issued to ALARM MONITORING SERVICES, INC Endorsement No. Premium Countersigned at on By: Authorized Representative WC 04 03 06 (Ed. 4-84) ©1998 by the Workers' Compensation Insurance Rating Bureau of California. All rights reserved. DATE (MMIDDIYYYY) ACORLY CERTIFICATE OF LIABILITY INSURANCE 3/7/2019 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 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 CMACT Wood Gutmann & Bogart PHONE Fax License #0679263 c No • 714-505-7000 1 c No :714-573-1770 15901 Red Hill Ave., Suite 100 ADDRESS: Tustin CA 92780 INSURE S AFFORDING COVERAGE NAIC# INSURER A: Philadelphia Indemnity Ins Co. INSURED ALARM-2 INSURER B : American Automobile 21849 Alarm Monitoring Services, Inc 74-794 42nd Avenue Suite 1 INSURERC: Palm Desert CA 92211 INSURERD: INSURER E : COVERAGES CERTIFICATE NUMBER- 1n4377nn4S REVISION NUMBFR- 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, ILEXP TR . TYPE OF INSURANCE INSD U D POLICY NUMBER MMIDDrYYYY MMfD POLICYPOLICY EFF YYY LIMITS A X COMMERCIAL GENERAL LIABILITY Y Y PHPK1922628 12/31/2018 12/31/2019 EACH OCCURRENCE S 1,000,000 CLAIMS -MADE :� OCCUR DAMAGE TO RENTED PREMISES Ea occunvnoal S 100,000 MED EXP (Any one person) S 5,000 PERSONAL & ADV INJURY S 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000.000 X POLICY eRCRT- F LOC PRODUCTS - COMP/OP AGG $2,000,000 S OTHER B AUTOMOBILE LIABILITY Y Y MZA80333493 622/2018 6/22/2019 COMBINED LlMiT S BODILY INJURY (Per person) S ANY AUTO ALLOWNED SCHEDULED AUTOS AUTOS Ix BODILY INJURY (Per accident) S PROPERTY DAMAGE Peracelde S HIRED AUTOS X NON -OWNED AUTOS A X UMBRELLA LIAB X OCCUR PHUB659389 12/312018 12/312019 EACH OCCURRENCE IS 4 S 1,000 000 AGGREGATE S 1,000,000 is EXCESS LIAB CLAIMS -MADE DED X RETENTIONS WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N PER STATUTE E.L. EACH ACCIDENT S ANY PROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBER EXCLUDED? ❑ N/A E.L. DISEASE - EA EMPLOYEE S (Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT S DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Certificate holder(s) is/are named as additional insured per the attached endorsements as required by written contract and subject to the terms & conditions of the policy: GL - Additional Insured & Waiver of Subrogation per Form PIGLDSG1013 Auto - Additional Insured & Waiver of Subrogation per Form CA70181014 GL Primary and Nan -Contributory applies per attached PNC CIS 00 01 04 13 Umbrella follows form CERTIFICATE HOLDER VESTING: City of La Quinta, its officials, employees, and agents See Attached... r..FRTIFIC:ATF Hnl nFR rAMrPi I ATInN SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. City of La Quinta 78495 Calle Tampico LaQuinta CA 92253 AUTHORIZED REPRESENTATIVE ©1988-2014 ACORD CORPORATION. All rights reserved. ACORD 25 (2014/01) The ACORD name and logo are registered marks of ACORD AGENCY CUSTOMER ID: ALARM-2 LOC #: AC"REP ADDITIONAL REMARKS SCHEDULE Page 1 of 1 AGENCY NAMED INSURED Wood Gutmann & Bogart _ Alarm Monitoring Services, Inc 74-794 42nd Avenue 5ulte 1 POLICY NUMBER Palm Desert CA 92211 CARRIER NAIC CODE EFFECTIVE DATE: ADDITIONAL REMARKS THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM, FORM NUMBER: 25 FORM TITLE: CERTIFICATE OF LIABILITY INSURANCE Primary and Nan -Contributory applies on the General Liability per attached PIGL0050712 ACORD 101 (2008/01) © 2008 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD Poiicy: PHPK1922628 PI-GLD-SG (10/13) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GENERAL LIABILITY DELUXE ENDORSEMENT: SECURITY SERVICES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART It is understood and agreed that the following extensions. only apply in the event that no other specific coverage for these extensions are provided under this policy. If such specific coverage applies, the terms, conditions and limits of that coverage are the sole and exclusive coverage applicable under this policy, unless otherwise noted on this: endorsement. The following is a summary of the Limits of Insurance and additional coverages provided by this endorsement. For complete details on specific coverages, consult the policy contract warding, Coverage Applicable Limit of Insurance Page # Damage to Premises Rented to You $1,D00,000 2 Watercraft Used in Security Services only 2 Medical Payments $20.,000 2 Medical Payments — Extended Reporting Period 3 years 2 Supplementary. Payments— Bail Bonds $2,500 3 Supplementary. Payments — Loss of Earnings $500 per day 3 Employee. Indemnification Defense Coverage for Employees $15,000 3 Additional Insured — Broadened Named Insured Included 3 Additional Insured — Managers and Supervisors Included 3 Additional Insured — Managers, Landlords, or Lessors of Premises Included 3 Additional Insured - Lessors of Leased Equipment — Automatic Status When Re aired in Lease A regiment With You Included 4 Additional Insured — Grantors of Permits Included 4 Additional Insured — Blanket Additional Insureds by Contract Included 4 Limited Rental Lease Agreement Contractual Liability $50,0D0: 5 Transfer of Rights of Recovery Against Others To Us Clarification 5 Duties in the Event of Occurrence, Offense,. C.lairri or Suit Included 5 Unintentional Failure to Disclose Hazards Included 6 Liberalization Included 6 Bodily Injury— Mental Anguish Included 6 Assault and Battery Coverage with Extended Property Damage Included 6 Errors and Omissions Coverage Included 7 Incidental Medical Malpractice Included 9 Page 1 of 10 V 2013 Philadelphia Indemnity Insurance Company Includes copyrighted material of Insurance Services Office, Inc., with its permission. PI-GLD-SG (10/13) A. Damage to Premises Rented: to You 1. If damage byfire to premises rented to you is not otherwise excluded from this Coverage Part, the word fire is changed to fire, lightning, explosion, smoke, or leakage from automatic fire protective systems where it appears in: a. The last paragraph of SECTION 1— COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, Subsection 2. Exclusions:; b. SECTION III —LIMITS OF INSURANCE, Paragraph 6.} and c. SECTION V — DEFINITIONS, Paragraph 9.a. 2. If damage by fire to premises rented to you is not otherwise excluded from this Coverage Part, the words fire insurance are changed to insurance for fire, lightning, explosion, smoke, or leakage from automaticfire protective systems where it appears in SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS, Subsection 4. Other Insurance; Paragraph b. Excess Insurance. 3. The Damage To Premises Rented To You Limit section of the Declarations is amended to the g reater of: a. $1,000,000; or b. The amount shown in the Declarations as the Damage to Premises Rented to You Limit. This is the most we will pay forall damage proximately caused by the same event, whether such damage results from fire; lightning, explosion, smoke, or leaks from automatic fire protective systems or any combination thereof. B. Watercraft SECTION. I— COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, Subsection 2. Exclusions; Paragraph g. Aircraft, Auto Or Watercraft does not apply to security services performed on or about watercraft. C. Medical Payments— Limit Increased, Extended Reporting Period If COVERAGE C MEDICAL PAYMENTS is not otherwise excluded from this Coverage Part: 1. The Medical Expense Limit is changed subject to *all of the terms of SECTION III —LIMITS OF INSURANCE to the greater of: a. $20,000; or b. The Medical Expense Limit shown in the Declarations of this Coverage Part. 2. Under SECTION I —COVERAGES, COVERAGE C MEDICAL PAYMENTS, Subsection 1. Insuring Agreement, Paragraph a., Item (b) is amended to read: provided that: (b) The expenses are incurred and reported to us within three years of the date of the accident; and Page 2 of 10 2013 Philadelphia Indemnity Insurance Company Includes copyrighted material of Insurance Services Office, Inc:, with its permission. PI-GLD-SG (10/13) D. Supplementary Payments In the SUPPLEMENTARY PAYMENTS- COVERAGES A AND B provision, Items 1.1b. and 1.d. are amended as follows: 1. The limit for the cost of bail bonds is changed from $250 to $2,500, and 2. The limit for loss of earnings is changed from $250 a day to $500 a day. E. Employee Indemnification Defense Coverage In the SUPPLEMENTARY PAYMENTS — COVERAGES A AND B:provision, the following is added: We will pay, on your behalf, defense costs incurred by an "employee" in a criminal proceeding. The most we will pay for any "employee" who is alleged to be directly involved in a criminal proceeding is $15,000 regardless: of the numbers of "employees," claims or "suits" brought: or persons or organizations making claims or bringing "suits., F. Who is:an Insured SECTION II — WHO. IS AN INSURED is amended as follows: 1. If coverage for newly acquired or formed organizations is not otherwise excluded from this Coverage Part, Paragraph 3.a..is changed to read: a. Coverage under this provision is afforded until the end :of the policy period; 2. Each of the following is also an insured: a. Broadened Named Insured —Any organization and subsidiary thereof which you control and actively manage on the effective date of this. Coverage Part. However, coverage does not apply to any organization or subsidiary not named in'the Declarations as Named Insured, if they are also insured under another similar policy; but for its termination or the exhaustion of its limits of insurance. b. Managers and Supervisors — If you are an organization other than a partnership or joint venture, your managers and supervisors are also insureds, but only with respect to their duties as your managers and supervisors. c. Managers, Landlords, or Lessors of Premises — Any person or organization with respect to their liability arising out of the ownership; maintenance or use of that part of the premises leased or rented to you subject to the following additional exclusions: This insurance does not apply to: (1) Any 'occurrence" which takes place after you cease to be a tenant in that premises; or (2) Structural alterations, new construction or demolition operations performed by or on behalf of that person .or organization. Page 3 of 10 2013 Philadelphia Indemnity Insurance Company Includes copyrighted material of Insurance Services Office, Inc., with its permission. PI-GLD-SG (10113) d. Lessors of Leased Equipment — Automatic Status When Required in Lease Agreement With You — Any person or organization from whom you lease equipment when you and such person or organization have agreed in writing in a contract or agreement that such person or organization is to be added as an additional 'insured on your policy. Such person or organization is an insured only with respect to liability for "bodily injury," "property damage" or "personal and advertising injury" caused, in whole or in part, by your maintenance, operation or use of equipment leased to .you by such person or organization. A person's or orga.nization's status as an additional insured under this endorsement ends when their contract or agreement with you for such leased equipment ends. With respect to the insurance afforded to these additional insureds, this insurance does not apply to any "occurrence" which takes place after the equipment lease expires. e. Grantors of Permits — Any state or political subdivision granting you a permit in connection with your premises subject to the following additional provision: (1) This insurance applies only.with respect to the following hazards for which the state or political subdivision has issued a permit in connection with the premises you own, rent or control and to which this insurance applies: (a) The existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings, cariopies, cellar entrances, coal holes, driveways, manholes, marquees; hoist away openings, sidewalk vaults, street banners or decorations and similar exposures; (b) The construction, erection, or removal of elevators; or (c) The ownership, maintenance, or use of any elevators covered by this 'insurance. f. Blanket Additional Insureds by Contract — Any person or organization for whom you are performing operations when you and such person or organization have agreed in writing in a contract or agreement that such person or organization be added as an additional insured on your policy. Such person or organization is an additional insured only with respect to liability for "bodily injury," "property darnage" or "personal and advertising injury" caused, in whole or in part, by: (1) Your acts. or omissions; or (2) The acts or omissions of those acting on your behalf; in the performance of your ongoing operations for the additional insured_ A person's or organ izati on's status as an additional insured under this. endorsement ends when your operations for that additional insured are completed. With respect to the insurance afforded to these additional insureds, the following additional exclusions apply: This insurance does not apply to: (1) "Bodily injury," "property: damage" or "personal and advertising injury" arising out of the rendering of, or the failure. to render, any professional architectural, engineering or surveying services; including; Page 4 of 10 2013 Philadelphia Indemnity Insurance Company Includes copyrighted material of Insurance Services Office, Inc., with its permission. PI-GLD-SG (10/13) (a) The preparing, approving, or failing to prepare or approve; maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (b) Supervisory, inspection, architectural or engineering activities. (2) "Bodily injury" or "property damage" occurring after: (a) Al work, including materials; parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed. by or on behalf of the additional insureds) at the location of the covered operations has been completed; or (b) That portion of "your work" out :of. which the injury or damage arises has: been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. G. Limited Rental Lease Agreement Contractual Liability The following is added to SECTION I— COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, Subsection 2. Exclusions, Paragraph b. Contractual:Liability: (3) Based on the named insured's request at the time of claim, we agree to indemnify the named :irisured fortheir liability assumed in a contract or agreement regarding the rental Or lease of a premises on behalf of their client, up to $50,000. This coverage extension only applies to rental lease agreements. This coverage is excess: over any renter's liability insurance of the client. H. Transfer of Rights of Recovery Against Others To Us As a clarification, the following is added to SECTION IV — COMMERCIAL GENERAL LIABLITY CONDITIONS, Paragraph S. Transfer of Rights of Recovery Against Others To Us: Therefore, the insured can waive the insurer's rights of recovery prior to the occurrence of a Loss; provided the waiver is made In a written contract. I. Duties in the Event of. Occurrence, Offense, Claim or Suit 1. When you report an "occurrence" (coverage. for which is provided by this policy) to your compensation insurance carrier, and this "occurrence" later develops into a liability claim, failure to report such "occurrence" to us atthe time of such "occurrence" shall not be deemed in Violation of SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS, Paragraph 2. Duties in the Event of Occurrence, Offense,. Claim or Suit. This is upon the distinct understanding and agreement however, that you, the insured, as soon as made aware that this particular "occurrence" is a liability case, rather than a compensation case shall give us notification immediately. 2. The requirement in Condition 2.a. of SECTION IV— COMMERCIAL GENERAL LIABILITY CONDITIONS that you must see to it that we are notified as soon as practicable of an "occurrence" or an offense., applies only when the "occurrence" or offense is known to; Page 5 of 10 V 2013 Philadelphia Indemnity Insurance Company Includes copyrighted material of Insurance Services 0ffice, Inc., with its permission. PI-GLD-SG (10113) a. You; if you are an individual; b. A partner, if you are a partnership; or c. An "executive officer" or insurance manager, if you are a corporation. 3. The requirement in Condition 2.b. of SECTION IV— COMMERCIAL GENERAL LIABILITY CONDITIONS that you must see to it that we receive notice of a claim or "suit" as soon as practicable will not be considered breached unless the breach occurs after such claim or "suit" is known to: a. You, if you are an individual; b. A partner, if you are a partnership; or c. An "executive officer' or insurance manager, if you are a corporation. J. Unintentional Failure To Disclose Hazards It is agreed that, based on our reliance upon your representations as to existing hazards, if you should unintentionally fail to disclose all such hazards prior to the beginning of the policy period of this Coverage Part, we shall not deny coverage under this Coverage Part because of such failure. K. Liberalization If we revise this endorsementto provide more coverage without additional premium charge, we will automatically provide the additional coverage to .all endorsement holders as of the day the revision is effective in your state. L. Bodily Injury — Mental Anguish SECTION V— DEFINITIONS, Paragraph 3. is changed to read: "Bodily injury": a. Means bodily injury, sickness or disease sustained by a person, and includes mental anguish resulting from any of these; and b. Except for mental anguish, includes death resulting from the foregoing (Item a. above) at any time. M. Assault and Battery with: Extended Property Damage SECTION I — COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, Subsection 2. Exclusions, Paragraph a. is deleted in its entirety and replaced by the following: A. Expected or Intended Injury 'Bodily injury' or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to: Page 6 of 10 - 2013 Philadelphia Indemnity Insurance Company Includes copyrighted material of Insurance Services Office, Inc., with its permission. PI-GLD-SG (10113) (1) "Bodily injury' or "property damage" resultingfrom the use of physical force to protect persons or property; or (2) Allegations of vicarious liability on the part of a Named Insured arising solely from: the acts of your "employees." However, acts of your "employees" shall not include theft; N. Errors and Omissions Coverage 1. SECTION I —COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY is amended by adding the following: ERRORS AND OMISSIONS This insurance applies: to negligent acts, errors or omissions committed by you relating to your services described in the Declarations. 2. SECTION I — COVERAGES, COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY is .amended by adding the following: ERRORS AND OMISSIONS The insurance that applies to "personal injury" includes negligent acts, errors or omissions committed by you relating to your services described in the Declarations. 3. SECTION 1— COVERAGES is amended by adding the following: COVERAGE D —:ERRORS AND OMISSIONS LIABILITY a. Insuring Agreement (1) We will pay those sums that the insured: becomes legally obligated to pay as damages because of errors or omissions committed by you relating to your services described in the Declarations. However, we will have no duty to defend the insured against any "suit" seeking damages for errors or omissions committed by the insured to which the insurance does not apply. We will have the right and duty to defend any "suit" seeking those damages.. We may, at our discretion, investigate any claim or "suit" :that may result. But: (a) The amount we will pay for damages is limited as described in SECTION III — LIMITS OF INSURANCE: and (b) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlernents under Coverages A, B, or D., or medical expenses under Coverage C. No other obligation or liability. to pay sums or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS — COVERAGES A, B, AND D. (2) This insurance applies only if the error or:omission occurs during the policy period. b. Exclusions This insurance does not apply to: Page 7of10 V 2013 Philadelphia Indemnity Insurance Company Includes copyrighted material of Insurance Services Office, Inc., with its permission. PI-GLD-SG (10/13) (1) "Bodily injury" or "property damage"; (2) "Personal and advertising injury"; (3) Intentional injury, nor injury arising out of willful violation of a penal statute or ordinance, committed by or with the knowledge or consent of the insured; (4) Any claim seeking relief or redress in any form other than monetary damages; (5) Any claim arising out of any insured's activities, or as a fiduciary, under the Employment Retirement Income Security Act of 1974, any amendments or any regulation or order issued thereto; (6) Any claim arising from warranties or guarantees made by any insured; (7) Liability assumed by the insured under any contract or agreement. This exclusion does not apply to liability for damages: (a) That the insured would have in the absence of the contract or agreement; or (b) Assumed in a contract or agreement that is an insured contract; (8) Liability arising from any fraudulent, dishonest, or criminal act of any insured; (9) Liability arising from a claim made by a parent or subsidiary organization of the insured or another subsidiary organization of such parent or other subsidiary, nor any officer, director or "employee' of any of the above; and (10) Any claim alleging, arising out of, resulting from, based upon or in consequence of, directly or indirectly, any employment practices or any discrimination against any person or entity on any basis; additionally, any actual or allegedviolation. of the Fair Labor Standards Act or any similar law or regulation applicable to the payment of wages or overtime. :(11) Liability arising .directly :or indirectlyout of any action, error or omission that violates or is alleged to violate: (a) The Telephone. Consumer Protection Act (TCPA), including any amendment of or addition to such law; (b) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (c) The Fair Credit Reporting Act (FORA), and.any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act (FACTA); or (d) Any federal, state or local statute, .ordinance or regulation, other than the TCPA, CAN-SPAM ,Act of 2003 or FCIRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. c. SUPPLEMENTARY PAYMENTS —COVERAGES A AND R is amended to read SUPPLEMENTARY PAYMENTS — COVERAGES A, B, AND. D Page 8 of 10 - 2013 Philadelphia Indemnity Insurance Company Includes copyrighted material of Insurance Services Office, Inc., with its permission. PI-GLD-SG (10/13) d.. SECTION III - LIMITS OF INSURANCE is amended as follows: (1) Item 2. is replaced by the following: 2. The General Aggregate Limit is the most we will pay for the sum of: a. Medical expenses under Coverage C; b. Damages under Coverage A, except damages because of "bodily injury" or "property damageincluded in the "products -completed .operations hazard; c. Damages under Coverage B; and d. Damages under Coverage D. (2) Item .5. is replaced by the following: 5. Subject to 2. or 3. above, whichever applies, the Each Occurrence Limit is the most we will pay for the sum of: a. Damages under Coverage A; and b. Medical expenses under Coverage C, because of all "bodily injury" and "property damage" arising out of any one .'occurrence" and c. Damages under Coverage D. e. SECTION IV— COMMERCIAL GENERAL LIABILITY CONDITIONS, Paragraph 4. Other Insurance is amended as follows: (1) The first paragraph is replaced by the following: If other valid and collectible insurance is available to:thhe insured for a loss we. cover under Coverages A, B, or D of this Coverage Part, our obligations are limited as follows: (2) Paragraph b. Excess Insurance, Item (2) is replaced by the following.: When this insurance is excess, we will have no duty under Coverages A, B, or D to defend the insured against any claim or "suit" if any other insurer has a duty to defend the insured against that claim or "suit" If no:other insurer defends, we will undertake to do so; but we will be entitled to the insured's rights against all those other insurers. O. Incidental Medical Malpractice We will pay for injuryarising out of the rendering of or failure to render the following treatment or services by an "employee" for an accident occurring during the policy period: 1. First aid treatment including cardiopulmonary resuscitation (CPR); and Page 9of10 V 2013 Philadelphia Indemnity Insurance Company Includes copyrighted material of Insurance Services Office, Inc., with its permission. PI-GLD-SG (10/13) 2. Medical, surgical; dental, x--ray, or nursing service or treatment, or the furnishing of food or beverages in connection therewith; and the furnishing or dispensing of drugs., or medical, dental, or surgical supplies or appliances. However, this coverage does not apply to any insured or to any entity engaged in the business or occupation of providing the services or treatments described in 1. and. 2. above. Rage 10 of 10 2013 Philadelphia Indemnity Insurance Company Includes copyrighted material of Insurance Services Office, Inc:, with its permission. 3. The Products -Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of "bodily injury" and "property damage" included in the "products -completed operations hazard". 4. Subject to Paragraph 2. above, the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all "personal and advertising injury" sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above, whichever applies, the Each Occurrence Limit is the most we will pay for the sum of: a. Damages under Coverage A; and b. Medical expenses under Coverage C because of all "bodily injury" and "property damage" arising out of any one "occurrence". 6. Subject to Paragraph 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of "property damage" to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above, the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of "bodily injury" sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit a. You must see to it that we are notified as soon as practicable of an "occurrence" or an offense which may result in a claim. To the extent possible, notice should include: (1) How, when and where the "occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. b. If a claim is made or "suit" is brought against any insured, you must: (1) Immediately record the specifics of the claim or "suit" and the date received; and (2) Notify us as soon as practicable. You must see to it that we receive written notice of the claim or "suit" as soon as practicable. c. You and any other involved insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or "suit"; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit"; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent. 3. Legal Action Against Us No person or organization has a right under this Coverage Part: a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal representative. CG 00 01 0413 © Insurance Services Office, Inc., 2012 Page 11 of 16 4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part, our obligations are limited as follows: a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in Paragraph c. below. b. Excess Insurance (1) This insurance is excess over: (a) Any of the other insurance, whether primary, excess, contingent or on any other basis: (i) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for "your work"; (ii) That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner, (III) That is insurance purchased by you to cover your liability as a tenant for "property damage" to premises rented to you or temporarily occupied by you with permission of the owner; or (iv) If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to Exclusion g. of Section I — Coverage A — Bodily Injury And Property Damage Liability. (b) Any other primary insurance available to you covering liability for damages arising out of the premises or operations, or the products and completed operations, for which you have been added as an additional insured. (2) When this insurance is excess, we will have no duty under Coverages A or B to defend the insured against any "suit" if any other insurer has a duty to defend the insured against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. (3) When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (a) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (b) The total of all deductible and self - insured amounts under all that other insurance. (4) We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request. 6. Representations By accepting this policy, you agree: a. The statements in the Declarations are accurate and complete; Page 12 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 0413 b. Those statements are based upon representations you made to us; and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and b. Separately to each insured against whom claim is made or "suit" is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed, proof of mailing will be sufficient proof of notice. SECTION V — DEFINITIONS 1. "Advertisement" means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purposes of this definition: a. Notices that are published include material placed on the Internet or on similar electronic means of communication; and b. Regarding web sites, only that part of a web site that is about your goods, products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. "Auto" means: a. A land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or equipment; or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". 3. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time. 4. "Coverage territory" means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; b. International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above; or c. All other parts of the world if the injury or damage arises out of: (1) Goods or products made or sold by you in the territory described in Paragraph a. above; (2) The activities of a person whose home is in the territory described in Paragraph a. above, but is away for a short time on your business; or (3) "Personal and advertising injury" offenses that take place through the Internet or similar electronic means of communication; provided the insured's responsibility to pay damages is determined in a "suit" on the merits, in the territory described in Paragraph a. above or in a settlement we agree to. 5. "Employee" includes a "leased worker'. "Employee" does not include a "temporary worker". 6. "Executive officer' means a person holding any of the officer positions created by your charter, constitution, bylaws or any other similar governing document. 7. "Hostile fire" means one which becomes uncontrollable or breaks out from where it was intended to be. 8. "Impaired property" means tangible property, other than "your product" or "your work", that cannot be used or is less useful because: a. It incorporates "your product" or "your work" that is known or thought to be defective, deficient, inadequate or dangerous; or b. You have failed to fulfill the terms of a contract or agreement; if such property can be restored to use by the repair, replacement, adjustment or removal of "your product" or "your work" or your fulfilling the terms of the contract or agreement. CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 13 of 16 FleetCove vz.� Endorsement- CA 70 18 *10 14 Policy Amendment(s) � I ".this endorsement. modilies insurance provided under the foll"ving: -Business Auto Coverage Form Motor Carrier ("Overage Form With respcct to coverage provided by this endorsei.nent, the provisions of the ("'overage Form apply unless modified by the endorsemera. A. Broadened Named Insured Section It - Covered Autos Liability Coverage, A, Coverage, I . Who 'is An Insured, the t'611owing is, added: My organization yo-.1i omm on the imcption of this Policy. or newly acquire or fornn du6ng the policy period, and overwhich yoi maimmin during the policy period., inaJority ovvnership or majority iniercs;t will qi.mlify as a Named 1n,,,mv.d if:� (1) There ism) othor similar, insurance available io that: orgpaization, and (2) 'rhe first Named Insured shown in the Declaralions of this policy hw, the responsibility of placing insur- ance fbr that orgariization, and g (3) 'T"Ine organization is incorporated or organizLd under the laws, ol'the United Staws of Amerii:a, 1.lowe'er. 1. a) Coverage under 1his Provision is aflorded only until. the iiexl uccuxring 12 month anytiversary ol' the be -- ginning of the policy per1oJ shown. in tfitc Declarations, or the end of the policy period, wbichever .is earlier; 'Ind (b) Coverage under this provision does not apply to bodily injury or property damage that res"'Ilts fron.) -it) J.7 accident that occurred before yovi acquired or ifomied the or.pm' ation; and 00 No Person or ongartization is an insured with respect to arfy current or past pw-mcrship, or .joint venture that it; not ,shown as a Munod, Insured in the and (d) Coverage under A.(1), (2) and (D ot.w-)vc, does not apply to any organization ghat is covered as an insured under any other alitomobile liability jTjsUranCe Policy Whose lianits of "nFurance have been exhausted or whose insumr .has become insolvimi. B. Broadened Who Is an Insured 1. F rrn CA0001 iif attached to this Policy), Section I] - C'overed Auto& Liability 0overage, A, Coverage. I Who Is An Insured, item b.(2) is deleted, and & is added as tbIlows. d' Your employee while using with ymir pennission. his ownetl auto, or an auto of ned. by a men%bcr of hi.s, or her household, in your business or your pmonal affairs. provided you do not cjwrbirc or borrow that auto, 'This Form mml b,, amichcd io Clhange Endui'smim eMico is,,,acd af1c), tile lx?J:(:y IS WTI I IkIR One of I.hk, Fir(.1M361'.i Fund I (milva fice Compunies a:i nalmd Irl ilia Poilcy CA70 16 1 4 Page I. 1)(79 '0 Ftmud llri;�Izwm Comp:my� Nova:R?, CA. .AH d, 2. Forn (:A0020 I if attached to this ()c)li(cv). Section It - CovLred ,autos Liability Coverage, A. C:C]tiiL`7. o , 1. Who Is An lalsured. it..cm b.("2) is deleted, and '. is a'dikd as follows, Your L anar en]islovei. Car agent while using with y't)iir Permission his o:v-ncd private passenger type auto, or a private passenger• type auto ovvvwd b-,- a rneanber of.'.his or her household, ill. Vi)u': business Or you"), perstsnA affairs, provided You do not C)wn., MN or IrborYow that auto, f: , Additional Insured Coverage and Waiver of Sur?rogation] 1, Fcmn GA.fitiii:l (ifattache" to this Policy), Sections II - Covered Autos Liability" Coverage, A. C' m:ragc, 1. Who Is An lnsuted, thy. l:t]lliivv°,n is added <is .hen] e, ]nd lbrwi CA0020 (ifatiachl-cd tci ti)is policy), Section li - Covered :autos Uibility Coverage. A. Co e tago., L kVho Is An h1mm!d; the Following is added as itoarl {Y Any peraon or orgariization v.'it.h respm(;t. to the, ,operation, Inlitr]t fla11C4., or uS�, of covered auto, providcd that. You and sticb pe.i-ion or o L:9ni1:it1(]rl hwve agrccd ]incur an expressed prov{ytoal rrl a vvr]it,n llrstrrcd contract or written avrecrrlent, or a wrliteil ;iermi.t: rssuie,d to you by a governmental r)r public' authority, to add such Jerson, or,�anizatioa, or LO>>.frllrltrl>:{l i]C j)Lll)I u :iiittliir]Ci to this policy 3a; an itISUCi:d. I:.Ii>wevea, sa-ch 1'le.rsoll or ryT'hirF])7:iC1C:?n l im insnrl'& Only `vilh resj"ect to the operation_ mamtenalnec, or nse, !7i a covered auto; and Only lar bodily' injury o�.' property damage cau e(. ) :a.n acriderit which tape;c 1^l rce zt:ii r: (t) You executed the insured contract or wntten a rccmclvl; oa' (i)l The ;?erunit h&i beci:] is,,ij d to °you, ?. F omi C::��OOI (:l`attiched tc Tiri, UlriY)\ Sec'ti€)n I - Businevs .�titcl C`crrtditions,.'..i.()ss t":)riirtts�i3>, lTem 5 . ; and lorni CA0(320 i if altached to ill is policy), Section V - Motor Carrier Conditions, A. Loss ('c]tidi- tions, itein 6,; One. fblk-: %']ng rs c,ddcd: Waiver of Subrogation 11'required by it: a. �� sitter] insured contract or written a r"e mdr?li G>ii carted �rii�r t('r tl1C accident; )r h. Written permit issar,.c1 to you by a governmental oi- pubfic authoritypr-or to the accident, ,ve ca'aive..rny right of recovery we tllay have : gait �C anyt):7'V[)n oT !�i" ?i1!lii lodt ilaill;et� in such Ci)rllydCt, agr(!e.ment or permit, because of prign-lents; we trlaYae for injury or da maoe arisin<_', out of a covcrcd auto. 1). Auto Medical Pavri{tints - Increased Limit For each covered auto described >.n the Dochirn?° onl> or shin i,,) it the Schedule as havin.g Auto MLdical ,Pav- Ments Cov-cragc, the Medical Payztrcnis Limlit. of Insurance f6r terse autos is revised to the o]"eater of, S5.1)Of) ; cr 2. ".I'h . lirnit shown in the Declarations, , Hired :auto Ph",,cal Damage Coverage and Loss of 1. se Expense*; Aired Auto Physical Damage: Coverage I.rPhv:.ical Damal:rc: Coverage is provided by t1:3;s policy on your owned cov( r,d autos. the bllc)v,ii;�� applies: i 2GI4 Fim-m " Fundis S;IY:,nL': : n:p7r1%Sl:y. NOr�iLi, •` A, AN:is;'ns a cry . _ _ _ _ iZai'yii .y of 9 Any auto that you icase, hire, rerit or, borrow without a driver, will be covcrcd iinder this, policy I'M Phyical Damage Coverage, klovvevex, any such auto: 1. Will be eovcrcd oniv, .1'or the sarne Physical Damage Coverage that applies to your owned covered autos: d1cluctible shown hi. the L eclarations tbat applies 10 yo-ur Most Will be subject to tile Sallie aprfical%:, ir nilar owned covered auto, except ally Comprelit.asive C'overage doductible does not' apply io loss citused by fire of fighfiling- and The most we will. pay fby any cite. loss in any one accident is the lesser of the fbilowing: a, Acnial Cash Value of the darnaged or stolan Propel"y as of 1he thaw of the loss as deterinined by us; or b. The cost of repairing or replaciiigg the dailialged or sti-Aen property with other properly of like killd and quality, In addition, we wifi pay costs and Ces associaied with such covered loss oully for a 3riaximuni 6rne period of seven day-, begh-ming with the date of loss, subJect to a am-Onium af.'S500. However: ( I ) If forto CA00(l I is attached to this policy, this coveraiae does, riot aplpiv to autos you lease, hire, rent or borrow ftom arty ol'your employees, partners Of you are a partnei-shIP1, merribm, (If' you are a Hunled li- abib . ty comparty) or inenaben, of their houwhold',', and (2) ffform CA0020 is attached io this policy, this coverage does not apply it) any private passenger type auto you lea.se. li i.rc-, rent or borrow ftorti. any member of your household, any of your employees, partners, (if you are a paviiership), members (if you are a li-miled liability campany), or agents or megilbeo, of their households, Hired Auto Loss of Lase Expenses Foryu CA0001 (if attached to this policy), Section 1.11 - Physical Damage Coveragv, A.. Covera,,;C., 4, Covv�age E,(tcriiion, b, Loss of L'se Expenses, and form CA()020 (if attached to this policy), Section IV - Physical Damage Coverage. A. Coverage, 4. Cove=ge Exwnsion, b. Loss of Use Expenses-, is deleted and replaced by the following., b. For Hired Auto Physical Darnagv, We wi 11 pay Qxperlses for which an Insured beconlei legally resp4.-;o.,.,,ibjc to pay for loss of use of a vchicle rentc.d or hired without a driver, undel. a writtel'. 1,Cnial Contract or agrevrnenl. We will pay fox loss of -uso expenses- ifcai-.sed by: (1' Other than cofflision only if the Declarations indicate that Comprehensive Coverage is provided Col- atly covered 21110; (2) Specified Causes of Loss. only if the Declarations indicate. that Specified Causes of Loss is provided for any ;�.overed auto; or (3) Colksioil. only ifthe. Declarations indic.atc that Collk-ion;. Cove;rkige is provideil fi)r any covered auto, 1A'o"VCVC.T, flne Illo'sl we will pay for any expemses for loss OfU30 ji S100 per 4, 10 a nl3XiY!lUT-,l tA. $1,000, ', Coverage Territory - Hired Auto 1. Form CA0001, (if itla3hcd to this policy), Section IN' - Business Auto Conditions, B. Gerior(al Conditions, 7 Policy Period, Coverage 'Ntritorv, b.(5) is deleted and replaced by the fbIlowing: 2., 014Firmmn', Fwxi Conivin.y, CA Ail eqhis Pa-C 1 kiO (5) Anyw1.te:re in the world if a covered auto of the. privata l asserl''er t}'pe 1s ti ilii"d, 1ttCe.U, rlllteiz !7s bon - rowed without a driver for a period of 180 days or less, ?, l Brno CA0020 (if iattached to this I.ioiicy), Section V • Nlotor Carrier Conditions, B. General Conditio is, ': Policy Period, Coverage J'crritory, b.i`) is deleted and repla"-d by the following. (5) Anyw1here in th e,'<dd ita :;mered auto of the pri"tc passenger type is leasee, !tired, remcd or bor- rm' ed without is driver for <a period of 1180 days or ls, COMITIMOCatian Equipment Coverage Form C:it 001,, (il' ialliach 'd to rhos pLlhq),. Se0ion Ill - Physical Damage Covers gel C, 1. in?itS Paragraph 1.Q and forrn f",� 0020 ;.i:l" alt:ac:hed to this policyi, Section IV - Physkal I%wage Overage, C, i,inlits of hlsuraiace., paragraph Lb.; is deleted and replaced by Be istll kng: h. All ck,'Q.tronic equipment chitr reproduces , receives or transmaiis audio, visual or data signals in ally one lass is `61"Ok if, at Me t1E37e o losa, such Llee.trook equipa wra k l•{. Taalies, Records, CDs and DVD Coverage The. Physical Damage. Coverage Section is ainenctcd as fallow's: 1. '1µle oxcl lsion referring to lapes, records, discs', or other similar wiefio, '.'isual or :lath elecironic devices designed for ose with audio, visuat or data etjuipment cix% ..nol apply. _. Wder C otatt?idwnsi:,,, (Average _ Monti (.`:?ONI f.iz'attadwd to this policy), Section Ill., Physical Damage Coverage A, Coverage; and Corm t:`A0020 (if attached U) Its policyl Section 1% Physical Damage Coverage A. Coverage; the following is added: We w_`'•1 pay for hiss to t1pe , rccor(k, dises or other sindlar devices used'with (audio' Visual or �Iata elec- tronic equip rient, Wc vOU pay wdy if the tal)c3, moor& discs or other sinaalat audio, Visual or data elec- tronic devices, A. fim your ptopcity, or that o a firmly meniner; arid, b: Are in LA t'CiVc3'etl auto at the time of. la ioi;s. Ile Boot we:Oil pay Mess is $251), plc:, deductible applies: to this c.overa gc.. 1, Personal l li'ects Coverage l term Z;10001 (if attached to this Policy), Section III - Physical Damage i. overa„e, ,A, (;overage, 4. C:o.':.ngge. Extensions, , :and fOrira CAN0020 (if attached to this policy), Section Ili" - Physical Damage Coverage, A. Cov'na at* , +. C:overare. Extension; il.em c: is added as fiallciws; c, Personal I,ticcts (.'overage We vjH pay up to $500 liar hms Rw dothi ig items or other persm al effocts drat aro c wnod by an insured and are in a uivercd aum A the 'uverd of a covered loss. flcrserial l'ffi cts der not include audio vism.1 or electrS: be devic.s, tmineyV giftc;ards, Securities, jewiAry' or tools, This coverage is excess over any other collectible ills rabic. No deductible applies to this CAMS 161-1 2W4 P:rcro.wA Md i1maE3`n S.;of3%imy NOYFI w C S AA ri;iifs r+.:::cr.c:i. _. t'aye 4 of 9 J. Airbag Coverage Form CAOOOI (if attached to this policy), Section III - Physical Damage Coverage, B. Exclusions, 3.a,.- and k)m,i CA0020 (ifattached to this policy), Section IV - Physical Damage Coverage, H. Exclusioiv&., 3.a,: the follovving is ad6d: However, mechanical breakdown does not mean the unintended discharge of an airbag, provided that arty loss covered Laider this provision is excess over any other collectaWc insurance or warrartly designed to colicr sucb urlintendcd discharge, K, Rental Reimburst-inent Form CA0001 tit ' attached to this Policy), Section1.11 - Physical Damagwe Coverage, A. Covcragc, 4, Cv��e orag Extensions, and form CA00240 of attached to this policy), Section IV - Physical Daynage Coverage, A. Cover- age, 4, Coverage Extension- item d, isadd ed as :toIjo8As,, di Rental Reimbijrs-em;�w or Triailspoillation Expenses If loss occurs- to a covered auto dQscr ed or designa ted gawd in the Dcclarationi or Schedule and cavered for Physical Damage Covt:rage, weivill pay lbr rental expons.es .for the rental of a sixiii1ar replaceinent auto and additional transportation expenses, BICUITCA by you. This pkvment ailphes in addition to The othQrwise applicable aynount. of caeh coverage you have on the covered onto, No deductible applies to thl", COVMUC, Bowevcr. (1) Wwill pay, only for those cxpenses incurred by you that begin 24 hotirs affler the covered loss. (2) We W;^U cease Paying for ThOSO Clxpellses, regardless of the policy's expiration date, at the carlier of the fiAlowilig dates - (a) 'I'lle number of days i-eiuwnably requircd to repair or replace the covered auto, If loss is caused by theft, th-is number ofdays is added to the number of days it, tak-cs to lo"te and rew".1 ;he covered auto to vovOr On) 45 days from the date this coverage begins, () Our payment is limited to the le,"cr of the Ibllowing arnourits- (a) Necessary aro aacial oxpenses ",incurred by you, (-,,r N S1,500. (4) this Coverage dtv.,-, not apply whilc there tar.. spare or rcwi-ve autos available to you for your %vr- ations, 15) If loss results from Ille total theft: of a covered private passenger type auto (if CAM() is attached to this policy), or ai covered private passenger auto ji, CAOOO. I is attached to this poljcy), We will pay under this coverage only filat arriount of your covcred rental expenses or additional transportation expenses which are not already provided for undcr the Flli:ysiaal Damage Coverage Exiewsions, L Extended Towing Coverage 1 0 I. F nu CA000 I (UP otmehed to this policy), Section 11.1 - Physical Damage Coverage, A, Coverage, 2. 'rowing, is deleted and replace:) by tile following: CA-011i 10-14 7-01.1 F'mman's "'I.:W lmsunuc Cvmpaliy. -.NovaeO, CA. .:.Si 6ybt, Page, 5 of9 "Ne will pay uP to $750 per for towins, and labor costs you incur each tM.-je your covered auto is 'disahl�A, flowevor: All labor must be perfi-mned at the place. of disablement, :and 1), lfth, covered auto is of the private passen<,,er tv � pe, no deductil? le applies. and lzIf the p CoNerod auto i"'. not ofthe private passcalger tv o. inir oboat Lion to pay will be roduced by a S-25() deductible N.�r disabliernei-A, (1, If the cov-�,Tcd auto is not of the privatc pass�-ngcr typc and the disal)Jomcry ccskilts from a loss covercu- under Section .lit - Physical Damage Coverage, A. Coverage, Paragraphs L a- b., or c., there is no separatz deductible for the Exlended Towing Coverage, I"u'r purpw5cs of this Coverage, disablenmit ii-Acmis :11, bi-cakdown of the covered auto includ)'1136 11l.c- charlical breakdowit.. crigine failurz-. o.r tire blowmit, whererepaim cannot be made road,.,i& Atid a tow. is required to rerlwye the.. unto from the roadway and to Seek addilicmal services and repair, F mn CAONO 'if avached to tfi?s PolicvL Section IV - Physical Da-magc- C'overage, A. Cwvcragc. 2. T(,)wink. .. Nvate Yasenvycr AUIO, is &IOCd alld Mplaced by the f011owimr We will pay up. to S-150 per disablement for lcoxi.m and labor co..'as you inew. each time your covered auto is Jisabtod, flowcver U. All labor must be perfiormed. at. the place of disablecncnt; and b, It` thle covi.r;d auto is of thc private passenger type, no deducfibic apj)!J.and .c. Il'thQ covc-red auto is not of the private passenger type, our obliapticm to jp<iy will reduccd by a S250 deductiblo per disablement. d, If thc covered auto i:s not of the private paimag4er type and th11- disablement remilts. 1.1rom a loss covered under Section IV - Physical Damage COverage, A, Covcraiae, Parag-raphs I, a., b., or e, there: is m.) s;,,oaraw deductibIc for lhtc Exmided Coverage, For purposc-s of t1w, coveragc, disablcmen". leans a of I the covered auto including me- charlical breakdown, engine 61ilw'o, or orc. blowovi.t, whcrv, rcpairs canmot be maldc roadside and a tow is rcquirc,.d to ret-nove the auto from the roadwav and to seek additional servicesand repair. M. Cauvellation. - 1210 Days Notice I If we this policy ror any re'-Ison e0er ti,afl nolipaymem of premium, we, will ).T)ail or deiivcr to the first Named 11"a wred at the last mailing address known to us, wntwrl notico of at leasa 120 day.", Prior to the %: fT ctive dwe o4� cariccllation. N, Supplementary PayrneWs. - Increased Limits SiTtinn II - Clovered Auto-, Liability Coverage, 2, Coverage EXIensions, a. Suppletmatary Paymenis. items (2) arld (.4) are, deleted and replaced by the 1'61Im0)g: (2) tip to S2'00 iio- the Cost ofbafl; bonds fincludimc, bonds f6r related traffic law violation-o. required because of art accident we covcl-, We CIO not. have to firmi.sh these bijndsl )14 w,.;n's Ntici ',-omparly, N'Ovalo, C.R. All Pat,(- 6 of 9 (4) All reasonable expenses, incurred by the insured at our request, including substantiated loss of earnings up to 'S %0 a day, becaausc of tlnrc off-f -oin work, 0. duties In The Event Of :accident, Claim. Suit Or Cuss - Amended Lorin CA0001 (if aftached to this policy) Section I - Business Atito Conditions, A. Loss C;ouditions. iietr 2. a.; and 1?7 n C:°A0020 (.if attached to this policy} Section Y -Motor Carrier C::onditioans, A. Liss C ondidions, item 2� a ; Is deleted and replaced by tlac following: at. In the event of accident, claim, snit or loss, you mt,st promptly .noid'.y us or our authorized representative when it becomes kn -w.i-A toi (1) You, ifyou are ata indi.vidu:al; t.?i Your partner or member, if you are a partnership or joint Venture; (:3) Your inernber, if you are a linSit .d liability company., (4) 1..'ar3r executive 0111 .er if you ano art org.armwion other than a parme ship, Joint ventute or lirnited li. ability C01.11pariy; or (5) Your authoa-irLd representative or insaratncr~: manages, Knowledge of an accident, Claim, suit or lass by other persons does not iniply float the persons listed al ove haw such knowledge, Notice should include, (aa) How, when and whete t.hc accident or- loss OCCLrriii; and. (b) The insured's mime and addr;.ss; and (c) To the extent possihie, the mmnes and address of any injured persons and witnesses. P, l nintentionai Failure to Dischise Hazards Forrn C:A0001 0,fattached to this poll:;.; ), Section IV - Business Auto Conditions, B. General Conditions, itean 2.; and form C,A0020(if attached to this policy). Section V - 11%9ator Carrier Conditions, H. General Condidons. item ?.; the fiallo-wing, is adde is H( wvVver., il, 4c�u unintentionally fail to disclose any hazards existing at dw jaception data of this policy, 'i%,e -will not dQny coverage Lander this CoveraagC Form becaUSt� or such failure. I.iowey a', this prov-s-ion Clods not a r!_eet cur right to eollcct. Additional premium or exercise our right of cancellation or non -renewal.. Q. Fellow E;rtrployce Coverage Section II - Covtred ::autos Liabllfty Coverage, li. Exclu ions, S. Fellow Employee.. the following is ;added: Elowever, 1.h.is exCN'Sion does not apply if tire bodily injury rQsults franc the ;are of a covered auto you own as hire, and provided that any coverage under ih.is provision only applies in excess ove.r any other collectible i.rsura.a ace. R. Limited Mexico Coverage AC 0 ACCIDENTS IN Iv1F.XIC O ARE SUIBJECT TO THE LAWS OF, hiEXI.CO ONLY - NOT THE LAWSC)l' THE: UNI"1.'l:D STATES OFF A.MI RICA. THE: REPUBLIC01, ME ICO livt'*iS[13L.£iti ANY AUTO ACCIDENT" A CRIMINAL OFFENSE AS WELL AS A CIVIL M.NT-TER. c:;A70`x 1"414 'Q 2014 f Nne;,n'. r' it inwrancc C'owpwrv. No x,% (.A. .^Q> r:ghl ro;:r'e Pa-e '7 oI 9 IN SOME CASES THE COVERAGE PROWED HERE MAY NOT BE RJ..`,C0(jNlZED BY 'FHE MEXICAN A13T1K_.1.RlTlES AND WEA!I.AY 'NOT.13E ALLO'W11) TO 04PLPYIENT "rills COVER- AGE A,.r iv..L IN MEXIC(). YOU SHOk.'LD CONSAYER PURCAASING AUITO COVERAGE 1,*R(..)NA A LICENSED MEXICAN INSUTANCE COMPANY BEF'ORE RIUVING IN MEXICO. THIS DOES NOT AITILA' TO ACC1DtNJt`,1 OR LOSSES Wl:-11(41 O(TUR OUT- SIDE (A' 25 MILES FROM 111f, BORDER OF` THE SXATEOF Aml,RJCA, Form CA0001 W.atiached to this palkicy! Secdon IV -Business Auto (NuMMmc B. OweW (AmItims, At); T; and form CA0020 (if.machcd to this, policy), Section V - Muter Carrier Conditions, B, Geuerall Cozjdilions item T; the fullowirq:i�. is added:. Tli:! coyerage, territory jsexw�ndcd to include N-1cxicollbul: cmlly: (i) For accidents or Wes occuning wAhin 25 niiies (.4'the United States border, and (if) For trips into 'vhxico of"I 0 days or less; and OU) Ir Me coymW auto A principally garaged aria; principally u cf in the I.)njted Stato,,a arld Q If the insured is rcsidenl ofthc UniWd Swtc.s, IT a loss to a covered auto occurs in Nle,.jico,ve pay for such loss in the UAW Sm, If the conred awo must be repaired in Nlexico, in order w be drikem w&wW not pay Rw more than the, acwal cafi, value of swh loss as determined by us at the nearest J_riited States ..oint where the repairs, can be its; Art,,, nsw-arts,,,. provkkid under ib-sprovision will Nexcess over arty ollier colliectilble insurance, S. Extended Glass Coverage Fumn CA0001 (ifatwehcd to this Polly), Section III - Physical Damage Covcragt, A. Covc-rage, ite.m ?,a.; dares fir n CAUMO Of MMdwd to this pWkyj Section IV - Phy%icaf Darnage. Covera gse, A, Covera-g, itei-6 3,a.; is deleted and replaced by the follo,,Ong: Glass brca.kage, If glass fliust be replaced, the deductible will be S100 or the deductible shown iii fine Declarations, whichever is lest If gins can be repaired mid A actually repaired rasher than replaced, the deductible W! be waWed_ You have de tophon of hwing the glass repaired rather uv.m m-placed. 'r, Broadened Definition of Bodily Injiury Form,. CA0001 (iflaitacbe.d to this policy), SLCtioll V - Dtfio itions , itern C,; and l'orin CA002,0 (irartached m (lass pokyj Sedion 11 - DeRaltions, item C,. is replaced by the foliowing: C HoMy !Wmy nwms Wily injury, sickness or dkease sustained 1)), a person including death or mental angoi-sh resulting !)wl any of We at any (suss:., Meml ariguish tn;�ans any type cil"mcntal or emotional illness or di,,,,ase. 1.). Custovywr Lease or Loan Physical Damage Coverage Extension l'ortu CAOW I lifattached. to this jloljcy). seedon ICI - Physical jumage Qvuzpe, C. Lin.l.its of Irls-kirance, and hrm CAUW0 Of mWed to IN pWivyl Section IV - Physical Damage (:.'overage, C. Limits of Insurance, item 4. is added as RAlow 4. Wyms ismered owmd awto k f D Show in the Schedule, and desigyrtmed as cowred f5or Physical Damage Cowi-age; and (2) Shown iti thi,.,, Qky as ha&ng a loss payee or additional Isureddessor; and CA At N 1044 00 2M4 Mmmm! Fwd CA I:, -u Page 8 OF 9 .;I, (3) Incurs a covered total loss; we will Pay th,- greater OF' I i,a) I'lie actual cash value, as detern-jined by us, of the damage.d or stolen property as of the time of the toval loss; or ,b) The outstanding indebtedness under the initial finatice agreetrient for the covered auto and its equip - As us&I here, outstanding indebtedness means the amount you o'%-e on the finance agrec-nient at the fillie of total loss: Le,,s any arnoutits representing taxes, overdue payinents, penalties, interest, or charges )resulting fi-onl overdtw payments. additional milloage, euess Nyear and tear, or lease termination ices; and 00 Less any i(lininistrafive cosits i-.)r overlicad fe" asseswd by the Ifinwice company who has leased the. covered auto to you-1 wid 0 i i) Less swcaT'ity deposits 110t returned hy, the lissor, and (10 Less costs liar extended warranties, Credit Life Insurance., Health, Accident or Disabdiky ftwuratl"- pureliased with the, loan or lease,- and (v) Less earn -over balances from previous loans or leases. V. Two or More Deductibles. 1, Section III - Physical Damage Coverage D. Deductibie, of forn) CAW01 Of attached to this policy), the "ollowing is added: franother N't-crilan's Fund lwumnce Company pol-iuy or covera_,4, 'bryn that is -not an automobile policy or eoverkep forM applies to the same accident or loss, the. following applies: (1) If the deductible under this Business Auto Coverage, Form is the lesser (or least) dedlictible, it will be waived. (2) If the dedo.etible under this Business Anto Coverage. Form is not the lestwr for least) ded-actible, it will he reduced I)y the arnount olfthe lesser (or least) dcductiblo, 2, Section IV - Physical Damage Coverage, U Ded-actible (13' flbrrti CA0020 (if attached to this policy), the fbilowing is added: Ifanother Fire.man's Fund Insurance Company policy or coverage ;'Urm that is not an automobile pcdicy or coverage fonn applies to the same accident or loss. the Endowing applies.: (1) If the dcdl 'ietible ,linder 6ii� Motor Carrier Coverage Form is 111C. lesser (or least.) &ductible, it will be waived. (2) If the ded� 'ictibic wider this Motor Carrier Coverage Form is not flic lesser (or least) deductible, it will t ,-,.e reduced by the anio-ont OF the lesser (or least) deductible. All other torms miit conditions of the policy re-waii), anchanged, 1'} 2i) 14 Fw;d irsur3rc C<smjmny. Nkrvaks, C'A. Alt rights Pa-C () of PI-GL-005 (07/12) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED PRIMARY AND NON-CONTRIBUTORY INSURANCE This endorsement amends policy # PHPK1922628 for Named Insured Alarm Monitoring Services, Inc. This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name of Person or Organization (Additional Insured): City of La Quinta Effective Date: 3/7/2019 SECTION II — WHO IS AN INSURED is amended to include as an additional insured the person(s) or organization(s) shown in the endorsement Schedule, but only with respect to liability for "bodily injury," "property damage" or "personal and advertising injury" arising out of or relating to your negligence in the performance of "your work" for such person(s) or organization(s) that occurs on or after the effective date shown in the endorsement Schedule This insurance is primary to and non-contributory with any other insurance maintained by the person or organization (Additional Insured), except for loss resulting from the sole negligence of that person or organization. This condition applies even if other valid and collectible insurance is available to the Additional Insured for a loss or "occurrence" we cover for this Additional Insured. The Additional Insured's limits of insurance do not increase our limits of insurance, as described in SECTION III — LIMITS OF INSURANCE All other terms, conditions, and exclusions under the policy are applicable to this endorsement and remain unchanged. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc., with its permission.