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Insurance Certificates 2018/19 Creative Lighting & ElectricalCERTIFICATE HOLDER © 1988-2010 ACORD CORPORATION. All rights reserved. ACORD 25 (2010/05) AUTHORIZED REPRESENTATIVE CANCELLATION DATE (MM/DD/YYYY)CERTIFICATE OF LIABILITY INSURANCE LOCJECTPRO-POLICY GEN'L AGGREGATE LIMIT APPLIES PER: OCCURCLAIMS-MADE COMMERCIAL GENERAL LIABILITY 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 (Attach ACORD 101, Additional Remarks Schedule, if more space is required) INSRLTR TYPE OF INSURANCE POLICY NUMBER POLICY EFF(MM/DD/YYYY)POLICY EXP(MM/DD/YYYY)LIMITS WC STATU-TORY LIMITS 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-OWNED AUTOS AUTOS 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. INSR ADDL WVD SUBR N / A $ $ (Ea accident) (Per accident) 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). The ACORD name and logo are registered marks of ACORD 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. 05/27/2020 Cherri J Walsh Insurance Services, Inc 302 N Citrus Ave Covina,Ca 91723 Cherri Walsh 626-699-4600 626-699-4601 Cherriwalsh@allstate.com Houston Specialty Ins Co -IX "A-"12936 Creative Lighting & Electrical, Inc 1654 Illinois Ave Suite 13 Perris, Ca 92571 Allstate Insurance Company - XV "A+"19232 National Union Fire Ins Co -XV "A"19445 Accredited Surety &Casualty -VIII "A-"26379 TEN-23610 08/01/2019 08/01/2020 1,000,000 100,000 5,000 A 1,000,000 Per Project Aggregate 5,000,000 2,000,000 2,000,000 648823140 08/01/2019 08/01/2020 1,000,000 B EBU013299324 08/01/2019 08/01/2020 5,000,000 C ZERO D 1ATCA16002037 Y 08/01/2019 08/01/2020 1,000,000 1,000,000 1,000,000 The City of La Quinta, its officials, employees, and agents are named as additional insured per GL form CBGL 00 71 05 12 with Primary, Non-Contributory and Waiver of Subrogation when required by written contract. Waiver of Subrogation applied to Workers Compensation when requried by written contract. Additonal Insured and Waiver of Subrogation applied to Commercial Auto Liability per form AA CW 20 10 when required by written contact. *30 Days notice of Cancellation - 10 Days notice for Non-Payment of premium City of La Quinta 78495 Calle Tampico La Quinta, Ca 92253 Insured Full Copy 648823140 08-01-19 ELARDO & WALSH INSURANCE SVCS CREATIVE LIGHTING & Allstate Insurance Company COMMON POLICY FORMS AND ENDORSEMENTS DM CW 02 01-10 COMMON POLICY DECLARATIONS DM CW 03 01-10 SCHEDULE OF NAMED INSURED(S) XM CW 13 02-15 IMPORTANT PAYMENT INFORMATION AM CW 02 11-09 WITNESS CLAUSE DM CW 12 01-10 SCHEDULE OF FORMS AND ENDORSEMENTS IL 00 17 11-98 COMMON POLICY CONDITIONS IL 00 21 09-08 NUCLEAR ENERGY LIABILITY EXCLUSION ENDT AM CA 03 11-09 CALIFORNIA INDEPENDENT COUNSEL ENDT IL 02 70 09-12 CA CHANGES - CANCELLATION & NONRENEWAL IL 00 03 09-08 CALCULATION OF PREMIUM AUTOMOBILE FORMS AND ENDORSEMENTS AA CW 01 10-12 AMENDATORY ENDORSEMENT AA CW 05 10-11 AMENDATORY ENDORSEMENT DA CW 01 10-13 BUSINESS AUTO COVERAGE FORM DECLARATIONS DA CW 04 10-11 SCHEDULE OF LOSS PAYEE(S) CA 00 01 10-13 BUSINESS AUTO COVERAGE FORM CA 20 01 10-13 ADDL INSD-LESSOR CA 23 84 10-13 EXCLUSION OF TERRORISM CA 23 94 10-13 SILICA/SILICA-RELATED EXCL FOR COVRD AU CA 01 43 05-17 CALIFORNIA CHANGES AA CW 20 10-11 BUSINESS AUTO ENHANCEMENT ENDORSEMENT CW CA 21 54 10-13 CA UM COVERAGE - BODILY INJURY CA 03 05 10-13 CA CHANGES-WAIVER OF COLLISION DED CA 04 24 10-13 CA - AUTO MEDICAL PAYMENTS COVERAGE CA 20 48 10-13 DESIGNATED INSURED CA 23 01 10-13 EXPLOSIVES CA 99 23 10-13 RENTAL REIMBURSEMENT COVERAGE CA 99 44 10-13 LOSS PAYABLE CLAUSE MCP 65 09-07 CERTIFICATE OF INSURANCE MCP 67 08-07 INSURANCE POLICY ENDORSEMENT MCP65 09-07 CERTIFICATE OF INSURANCE DM CW 12 01 10 DM CW 12 01 10 Allstate Insurance Company Policy Number SCHEDULE OF FORMS AND ENDORSEMENTS Named Insured Effective Date: 12:01 A.M., Standard Time Agent Name Insured Full Copy COMMERCIAL AUTO AA CW 20 10 11 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Includes copyrighted material of Insurance Services Office, Inc., with its permission AA CW 20 10 11 Allstate Insurance Company Page 1 of 3 BUSINESS AUTO ENHANCEMENT ENDORSEMENT Coverage provided under this policy is modified by the attachment of this endorsement. If there is any conflict in coverage provisions between this form and any state specific endorsement also attached to this policy, the provision(s) of the state specific form shall apply. This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM In SECTION I - COVERED AUTOS, the following changes are made: The following is added: D. Physical Damage Coverage for Temporary Substitute and Leased Autos If Physical Damage Coverage is provided by this policy, the following kinds of "autos" are covered "autos" for the same coverages provided by the policy: 1. Any private passenger "auto", or other than private passenger vehicle with gross vehicle weight of 20,000 lbs. or less, you do not own while used with the permission of the owner as a temporary substitute for a covered "auto" you own that is out of service because of its: a. Breakdown; b. Repair; c. Servicing; d. "Loss"; or e. Destruction. 2. Private passenger "autos" and other than private passenger vehicles with gross vehicle weight of 10,000 lbs. or less, leased, hired, rented, or borrowed for a period of 30 days or less. This does not include any vehicle you lease, hire, rent, or borrow from any of your "employees" or partners or members of their households. In SECTION II ---- LIABILITY COVERAGE, the following changes are made: Under A. Coverage, Who Is An Insured, the following is added: d. Any organization, other than a partnership or joint venture, over which you maintain ownership or in which you hold a majority interest. This provision applies only if there is no similar insurance provided to that organization. e. Any organization you acquire or form after policy inception, other than a partnership or joint venture, over which you maintain ownership, or in which you hold a majority interest. Coverage under this provision does not apply; (1) If there is similar insurance provided to that organization; or (2) To "bodily injury" or "property damage" that occurred before you acquired or formed the organization. f. Any person or organization that you are required to name as an additional insured under the terms of a written job contract, or by written insurance requirements executed prior to any covered "loss" or claim. This protection applies only if the person or organization is liable for the conduct of an "insured" and only to the extent of that liability. Under A. Coverage, Coverage Extensions, Supplementary Payments , subparagraphs (2) and (4) are replaced with the following: (2) Up to $5,000 for cost of bail bonds (including bonds for related traffic law violations) required because of an "accident" we cover. We do not have to furnish these bonds. Insured Full Copy Includes copyrighted material of Insurance Services Office, Inc., with its permission AA CW 20 10 11 Allstate Insurance Company Page 2 of 3 (4) All reasonable expenses incurred by the "insured" at our request, including loss of earnings up to $500 a day because of time off from work. Under B. Exclusions, Fellow Employee , the following paragraph is added: But this exclusion does not apply to "bodily injury" to a fellow "employee" caused by any person whose position within the insured organization is at or above the level of manager or supervisor. Coverage afforded by this provision is excess over any other collectible insurance. In SECTION III - PHYSICAL DAMAGE COVERAGE, the following changes are made: Under A. Coverage, Glass Breakage - Hitting A Bird Or Animal - Falling Objects Or Missiles, the following is added: If damage to glass is repaired in lieu of being replaced, no deductible will apply for repair only. Under A. Coverage, Coverage Extensions, the following is added: c. Personal Effects Coverage In the event of a total theft of your covered "auto", for which you carry either Comprehensive or Specified Causes of Loss coverage, we will pay up to $500 for the personal effects which are: 1. owned by you; and 2. in your covered "auto" at the time of the total theft of such "auto". No deductible applies to Personal Effects Coverage. Under A. Coverage, the following is added: 5. Lease and Loan Gap Coverage In the event of a total "loss" to a covered "auto" shown in the Schedule or Declarations for which a specific premium charge indicates that physical damage coverage applies, we will pay any unpaid amount due on the lease or loan for a covered "auto", less: a. The amount paid under the Physical Damage Coverage section of the policy; and b. Any: (1) Overdue lease/loan payments at the time of the "loss"; (2) Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage; (3) Security deposits not returned by the lessor; (4) Costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance purchased with the loan or lease; and (5) Carry-over balances from previous loans or leases. Under D. Deductible, the following paragraph is added: When Collision Coverage is provided by this policy, the deductible amount will not be subtracted from the loss payment in collisions involving your covered "auto" and another auto covered by Allstate Insurance Company or any of it’s affiliates. In SECTION IV - BUSINESS AUTO CONDITIONS, the following changes are made: Under A. Loss Conditions, Duties In The Event Of Accident, Claim, Suit Or Loss Condition, the following is added under subpart a: Knowledge of an "accident" or "loss" by any of your agents, servants or "employees" shall not in itself constitute knowledge by you, unless you or one of your corporate officers or managers, or any assignee, shall have received such notice from the agent, servant or "employee". When you report an occurrence of any "accident" or "loss" to a Worker’s Compensation carrier or self insured plan providing the named insured’s Worker’s Compensation insurance which later develops into a claim submitted under this policy, failure to report such "accident" or "loss" to us at the same time shall not be deemed a violation of this condition. After you become aware of such liability claim arising from the "accident" or "loss", you must give us prompt notice. Under A. Loss Conditions, Transfer of Rights of Recovery Against Others To Us, the following is added: We waive any right of recovery we may have against any person or organization because of payments we make for injury or damage arising out of work you perform under a contract with such person or organization, in which you have agreed to waive your right of such recovery. Insured Full Copy Includes copyrighted material of Insurance Services Office, Inc., with its permission AA CW 20 10 11 Allstate Insurance Company Page 3 of 3 Under B. General Conditions, Concealment, Misrepresentation Or Fraud , the following is added: This condition does not apply to any omission or failure to provide material facts if the omission or failure was unintentional. Ii` R- CERTIFICATE 4F LIABILITY INSURANCE DATE (MMIDDIYYYY) 05/23/2019 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO MARTS 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 CONTACT Cher-i Walsh NAME: PHONE . g26 �'99 4600 FAX Ne €i2fi fi89 46fl1 Cherd J Walsh Insurance Services, Inc 302 N Citrus Ave. A11 AIL Cherriwalsh allstate.com Covina, Ca 91723 INSURE S AFFORDING COVERAGE NAIC# INSURER A: Contractors Bondinq & Insurance Co 37206 INSURED INSURER B: Allstate Insurance Company 19232 INSURER C: National Union Fire Ins Co AIG 02351 Creative Lighting & Electrical, Inc INSURERD: 9t te ConnDeasationInsWWce FL 35076 1654 Illinois Ave Suite 13 INSURERE: Perris, Ca 92571 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 LTR TYPE OF INSURANCE DDL: UBR s WVD POLICY NUMBER POLICY EFT M DDIYYYY POLICY ECP 8 =D1YYYY LIMITS GENERAL LIABILITY x COMMERCIAL GENERAL LIABILITY CLAIM&�I E I [OCCUR C11sK77sg Qa/o1l2o1s 08l01l2019 EACH -OCCURRENCE $ 1 ,000,000 � D PREMISES Ea occllrnence 000,000 MED EXP (Any one person) $ 5,000 A PERSONAI_SADV INJURY $1,000,000 GENERAL AGGREGATE $2,000,000 GENI'LAGGREGATEUMITAPPLIGSPER: PRODUCTS-COMPIOPAGG s2,000,000 POLICY PRO LOC $ AUTOMOBILE LIABILITY 648739103 0a10112018 08/01/2019 Eaa 'dwD NGLE utv]rT 1,000,000 BODILY INJURY (Per person) $ X ANY AUTO ALL OWNED SCHEDULED AUTOS AUTOS BODILY INJURY (Per accident) $ PR nDAMAGE $ B NON -OWNED HIREDAUTOS AUTOS $ UMBRELLA LIAB OCCUR EBU025079656 02121l2018 Q$/Q712Q19 EACH OCCURRENCE s5,000,000 AGGREGATE S 5,000,000 C X EXCESS LIAB CLAIMS -MADE I I DIED RETENTIONS $ D WORKERS COMPENSATIOWC N AND EMPLOYER5LIABILITY ANY PROPRIETORIPARTNEW/EXECUTIVE YIN OFMCERIMEMBEREXCLUDED? � (Mandatory in NH) NIA 9163815-2018 Oatoii201a 0a/0112019 ST ✓ .'COltYJ.. TU OTH- E.L. EACH ACCIDENT $ 1 ,000,000 ELL DISEASE - EA EMPLOYEE $ 1 ,000,000 If yes,dewbg under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ 1, 000, 000 I i I DESCRIPTION OF OPERATIONS 1 LOCATIONS ( VEHICLES (Attach ACORD 101, Additional Remarks Schedule, if more space is required) The City of La Quinta, its Officals, employees, and agents are named as additional insured per GL form CBGL 00 71 05 12 with Primary, Non -Contributory and Waiver of Subrogation when required by written contract. Waiver of Subrogation applies to Workers Compensation when required by written contract. Additional Insured and Waiver of Subrogation applies to Commercial Auto Liability per form AA CW 2010 when required by written contract. *30 Days notice of Cancellation -10 Days notice for Non -Payment of premium CERTIFICATE HOLDER CANCELLATION City of La Quinta 78495 Cane Tampico La Quinta, Ca SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. i AUTHORIZED REPRESENTATIVE ©1988-2010 ACORD CORPORATION. Ali rights reserved. ACORD 25 (2010105) The ACORD name and logo are registered marks of ACORD THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Section II — Who Is An Insured is reports, surveys, field orders, amended to include as an additional in- change orders or drawings and sured any person or organization for specifications; or whom you are performing operations b. Supervisory, inspection archi- when you and such person or organiza- tectural or engineering activities. tion have agreed in a written contract or agreement that such person or organi- 2. "Bodily injury" or "property damage' zation is to be added as an additional occurring after: insured on your policy. Such person or a. All work, including materials, organization is an additional insured on- "bodily "prop- parts or equipment furnished in ly with respect to injury or connection with such work, on erty damage" caused by your negli- genre in the performance of your ongo- the project (other than service, ing operations performed for that addi- maintenance or repairs) be tional insured. o performed by or on behalf of the additional insured(s) at the loca- A person's or organization's status as lion of the covered operations an additional insured under this en- has been completed; or dorsement ends when your operations b. That portion of "your worle out of for that additional insured are com- pleted. which the injury or damage aris- es has been put to its intended To the extent required under said written use by any person or organiza- contract or agreement, this policy will tion other than another contrac- apply as primary insurance to additional for or subcontractor engaged in insureds and other insurance which may performing operations for a prin- be available to such additional insureds cipal as a paw of the same will be non-contributory.We waive our project. right of recovery against such additional 3. "Bodily injury", "property damage' or insureds. occurring or Commencing before S. With respect to the insurance afforded to execution of the written contract or these additional insureds, the following agreement that requires such per - additional exclusions apply: son or organization be added as an This insurance does not apply to: _ additional insured on your policy. 1. "Bodily injury', `property damage' or C. Definitions arising out of the rendering of, or the "Ongoing operations' means operations failure to render, any professional not included in the "products -completed architectural, engineering or survey- operations hazard." ing services, including but not limited to; a. The preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, CBGL 00 7105 12 Includes copyrighted material of Page 1 of 1 Insurance Services Office, Inc., with its pernission. ENDORSEMENT AGREEMENT WAIVER OF SUBROGATION BLANKET BASIS BROKER CONY HOME OFFICE SAN FRANCISCO EFFECTIVE AUGUST 1, 2018 AT 12.01 A.M. ALLEFFECTIVE DATESARE AND EXPIRING AUGUST 1, 2019 AT 12.01 A.M. AT 7201 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME CREATIVE LIGHTING & ELECTRICAL INC 1654 ILLINOIS AVE STE 13 PERRIS, CA 92571 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. THE ADDITIONAL PREMIUM FOR THIS ENDORSEMENT SHALL BE 2.00% OF THE TOTAL POLICY PREMIUM. SrFIFT)ITT.F PERSON OR ORGANIZATION ANY PERSON OR ORGANIZATION FOR WHOM THE NAMED INSURED HAS AGREED BY WRITTEN CONTRACT TO FURNISH THIS WAIVER JOB DESCRIPTION BLANKET WAIVER OF SUBROGATION 9163815-18 RENEWAL SC 5-03-27-53 PAGE 1 OF 1 NOTHING IN THIS ENDORSEMENT CONTAINED SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS OF THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAA�NFRFRANCISCO: AUTHORIZED REPRESENTN IVE SCIF FORM 10217 (REV.7-2014) JULY 19, 2018 2572 PRESIDENT AND CEO OLD DP 217 COMMERCIAL AUTO AA CW 20 10 11 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS AUTO ENHANCEMENT ENDORSEMENT Coverage provided under this policy is modified by the attachment of this endorsement If there is any conflict in coverage provisions between this form and any state specific endorsement also attached to this policy, the provision(s) of the state specific form shall apply. This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM In SECTION I - COVERED AUTOS, the following changes are made: The following is added D. Physical Dame Coverage for Temporary - Substitute and Leased Autos If Physical Damage Coverage is provided by this policy, the following kinds of "autos" are covered "autos" for the same coverages provided by the policy: 1. Any private passenger "auto", or other than private passenger vehicle with gross vehicle weight of 20,000 lbs. or less, you do not own while used with the permission of the owner as a temporary substitute for a covered "auto" you own that is out of service because of its: a. Breakdown; b. Repair; c. Servicing; d. "Loss"; or e. Destruction. 2. Private passenger "autos" and other than private passenger vehicles with gross vehicle weight of 10,000 Ibs, or less, leased, hired, rented, or borrowed for a period of 30 days or less. This does not include any vehicle you lease, hire, rent, or borrow from any of your "employees" or partners or members of their households. d. Any organization, other than a partnership or joint venture, over which you maintain ownership or in which you hold a majority interest. This provision applies only if there is no similar insurance provided to that organization. e. Any organization you acquire or form after policy inception, other than a partnership or joint venture, over which you maintain ownership, or in which you hold a majority interest. Coverage under this provision does not apply; (1) If there is similar insurance provided to that organization; or (2) To "bodily injury" or "property damage" that occurred before you acquired or formed the organization. f. Any person or organization that you are required to name as an additional insured under the terms of a written job contract, or by written insurance requirements executed prior to any covered 'loss" or claim. This protection applies only if the person or organization is liable for the conduct of an 'Insured" and only to the extent of that liability. Under A Coverage, Coverage Extensions, Supplementary Payments, subparagraphs (2) and (4) are replaced with the following: (2) Up to $5,000 for cost of bail bonds (including In SECTION 11 — LIABILITY COVERAGE, the bonds for related traffic law violations) required following changes are made: because of an "accident" we cover. We do not have to furnish these bonds. Under A. Coverage, Who Is An !nsured, the following is added: Includes copyrighted material of Insurance Services Office, Inc., with its permission AACW201011 Allstate Insurance Company Page 1 of 3 Insured Full Copy (4) All reasonable expenses incurred by the "insured" at our request, including loss of earnings up to $500 a day because of time off from work. Under B. Exclusions, Fellow Employee, the following paragraph is added: But this exclusion does not apply to "bodily injury" to a fellow "employee" caused by any person whose position within the insured organization is at or above the level of manager or supervisor. Coverage afforded by this provision is excess over any other collectible insurance. In SECTION 111 - PHYSICAL DAMAGE COVERAGE, the following changes are made: Under A Coverage, Glass Breakage - Hitting A Bird Or Animal - Falling Objects Or Missiles, the following is added: If damage to glass is repaired in lieu of being replaced, no deductible will apply for repair only. Under A. Coverage, Coverage Extensions, the following is added: c. Personal Effects Coverage In the event of a total theft of your covered "auto", for which you cant' either Comprehensive or Specified Causes of Loss coverage, we will pay up to $500 for the personal effects which are: 1. owned by you; and 2. in your covered "auto" at the time of the total theft of such "auto". No deductible applies to Personal Effects Coverage. Under A Coverage, the following is added: 5. Lease and Loan Gap Coverage In the event of a total "loss" to a covered "auto" shown in the Schedule or Declarations for which a specific premium charge indicates that physical damage coverage applies, we will pay any unpaid amount due on the lease or loan for a covered "auto",less: a. The amount paid under the Physical Damage Coverage section of the policy; and b. Any: (1) Overdue lease/loan payments at the time of the'loss"; (2) Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage; (3) Security deposits not returned by the lessor; (4) Costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance purchased with the loan or lease; and (5) Carry-over balances from previous loans orleases. Under D. Deductible, the following paragraph is added: When Collision Coverage is provided by this policy, the deductible amount will not be subtracted from the loss payment in collisions involving your covered "auto" and another auto covered by Allstate Insurance Company or any of it's affiliates. In SECTION IV - BUSINESS AUTO CONDITIONS, the following changes are made: Under A Loss Conditions, Duties In The Event Of Accident, Claims Suit Or Loss Condition, the following is added under subpart a: Knowledge of an "accident" or "loss" by any of your agents, servants or "employees" shall not in itself constitute knowledge by you, unless you or one of your corporate officers or managers, or any assignee, shall have received such notice from the agent, servant or „employes„ When you ..'report an occurrence of any "accident" or'loss" to a Worker's Compensation carrier or self insured plan providing the named insured's Worker's Compensation insurance which later develops into a claim submitted under this policy, failure to report such "accident" or 'loss" to us at the same time shall not be deemed a violation of this condition. After you become aware of such liability claim arising from the "accident" or 'loss", you must give us prompt notice. Under A Loss Conditions, Transfer of Rights of Recovery Against Others To Us, the following is added: We waive any right of recovery we may have against any person or organization because of payments we make for injury or damage arising out of work you perform under a contract with such person or organization, in which you have agreed to waive your right of such recovery. Includes copyrighted material of Insurance Services Office, Inc., with its permission AA CW 20 10 11 Allstate Insurance Company Page 2 of 3 Insured Full Copy Under B. General Conditions, Concealment, Misrepresentation Or Fraud, the following is added: This condition does not apply to any omission or failure to provide material facts if the omission or failure was unintentional. - Includes copyrighted material of Insurance Services Office, Inc.. with its permission AA CW 201011 Allstate Insurance Company Page 3 of 3 Insured Full Copy