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Insurance Certificates 2023/24 Arbor Pro, IncACOR" CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDD/YYYY) Ill 1 03/21 /2024 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 Eric Chua NAME: WMW Insurance Services PHONE (657) 452-0500 FAx A/C No Ext : AIC,No): E-MAIL echua@wmwis.com ADDRESS: 609 N Harbor Blvd INSURER(S) AFFORDING COVERAGE NAIC # INSURERA: United Fire & Casualty 13021 Fullerton CA 92832 INSURED INSURER B : Benchmark Specialty Insurance Company 17180 INSURER C : ArborPro Inc INSURER D : 22605 La Palma Avenue INSURER E : INSURER F : Yorba Linda CA 92887 COVERAGES CERTIFICATE NUMBER: 24-25 GL & Umb 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 ADDL INSD SUBIR WVD POLICY NUMBER POLICY EFF MM/DD/YYYY POLICY EXP MM/DD/YYYY LIMITS X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2,000,000 CLAIMS -MADE OCCUR PREM SO ESEa oNcur ante $ 50,000 MED EXP (Any one person) $ 5,000 PERSONAL &ADV INJURY $ 2,000,000 A Y 10176991952 02/17/2024 02/17/2025 GEN'LAGGREGATE LIMITAPPLIES PER: GENERAL AGGREGATE $ 4,000,000 X POLICYEI PE� LOC PRODUCTS-COMP/OPAGG $ 4,000,000 $ OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident $ BODILY INJURY (Per person) $ ANYAUTO OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY (Per accident) $ PROPERTY DAMAGE Per accident $ HIRED NON -OWNED AUTOS ONLY AUTOS ONLY(par., X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $ 1,000,000 AGGREGATE $ 1,000,000 A EXCESS LAB CLAIMS -MADE 10176991952 02/17/2024 02/17/2025 DED I I RETENTION $ $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N PER OTH- STATUTE ER ANY PROPRIETOR/PARTNER/EXECUTIVE ❑ OFFICER/MEMBER EXCLUDED? NIA E.L. EACH ACCIDENT $ (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE $ If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) City of La Quinta is hereby named as Additional Insured and Primary and Non-contributory basis with respects to General Liability when required by written contract. 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 Quinta ACCORDANCE WITH THE POLICY PROVISIONS. 78-495 Calle Tampico AUTHORIZED REPRESENTATIVE La Quinta CA 92253 @ 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD POLICY NUMBER: 10176991952 BP 71 74 08 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM The following is added to Section III — COMMON POLICY CONDITIONS H. Other Insurance and supersedes any provision to the contrary: 4. Primary And Noncontributory Insurance This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1) The additional insured is a Named Insured under such other insurance; (2) You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured; (3) The additional insured gives us prompt written notice of any "occurrence" which may result in a claim and prompt written notice of "suit'; (4) The additional insured immediately forwards all legal papers to us, cooperates in the investigation or settlement of the claim or defense against the "suit', and otherwise complies with policy conditions. (5) The additional insured must tender the defense and indemnity of any claim or "suit' to any other insurer which also insures against a loss we cover under this policy. This includes, but is not limited to, any insurer which has issued a policy of insurance in which the additional insured qualifies as an insured. For the purpose of this requirement, the term "insures against' refers to any self-insurance and to any insurer which issued a policy of insurance that may provide coverage for the loss, regardless of whether the additional insured has actually requested that the insurer provide the additional insured with a defense and/or indemnity under that policy of insurance. (6) The additional insured agrees to make available any other insurance that the additional insured has for a loss we cover under this policy. BP 71 74 08 15 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 1 BUSINESSOWNERS BP72190321 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BOP -PRO CONTRACTOR PLUS ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM Notwithstanding anything to the contrary, the provisions of the Businessowners Coverage Form apply, except as provided in this endorsement. SECTION I — PROPERTY is amended as follows: 1. Anywhere 100 feet appears in the Businessowners Coverage Form, it is replaced with 1,000 feet. 2. In A. Coverage, 5. Additional Coverages, a. Debris Removal, subparagraph (4) the amount of $25,000 is deleted and replaced with $100,000 unless a higher Limit of Insurance is indicated in the Declarations. 3. In A. Coverage, 5. Additional Coverages, c. Fire Department Service Charge, the amount of $2,500 is deleted and replaced with $5,000. 4. In A. Coverage, 5. Additional Coverages, f. Business Income, (1) Business Income, subparagraph (b) is deleted and replaced with: (b) We will only pay for loss of Business Income that you sustain during the "period of restoration" and that occurs within 12 consecutive months after the date of direct physical loss or damage. We will only pay for ordinary payroll expenses for 90 days following the date of direct physical loss or damage, unless a greater number of days is shown in the declarations. 5. The following is added to A. Coverage, 5. Additional Coverages, f. Business Income, (1) Business Income, subparagraph (c): (iii) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred as rental income from tenant occupancy of the premises described in the Declarations as furnished and equipped by you, including fair rental value of any portion of the described premises which is occupied by you; and (iv) Containing normal operating expenses incurred in connection with any such tenant occupied premises, including: i. Payroll; and ii. The amount of charges which are the legal obligation of the tenant(s) but which would otherwise be your obligations. 6. Paragraph A. Coverage, 5. Additional Coverages, f. Business Income, (2) Extended Business Income, subparagraph (a)(ii)ii. is deleted and replaced with: ii. 90 consecutive days after the date determined in Paragraph (a)(i) above, unless a greater number of consecutive days is shown in the Declarations. 7. In A. Coverage, 5. Additional Coverages, h. Pollutant Clean-up And Removal, the amount of $10,000 is deleted and replaced with $50,000. 8. In A. Coverage, 5. Additional Coverages, j. Money Orders And "Counterfeit Money", the amount of $1,000 is deleted and replaced with $10,000. 9. In A. Coverage, 5. Additional Coverages, k. Forgery Or Alteration, subparagraph (4), the amount of $2,500 is deleted and replaced with $5,000. 10. In A. Coverage, 5. Additional Coverages, part I. Increased Cost Of Construction is deleted and replaced with: BP 72 19 03 21 Includes copyrighted material of Insurance Services Office, Inc., Pagel of 22 with its permission. I. Ordinance Or Law Coverage (1) This Additional Coverage applies only: (a) To covered buildings at the described premises listed on the Declarations that are insured on a replacement cost basis; and (b) To existing tenant's improvements and betterments contained in a covered building at premises described on the Declarations. This provision is excess to any other valid and collectable insurance for tenant's improvements and betterments maintained by a tenant(s). (2) We will not pay under Coverage 1, 2 or 3 of this Ordinance or Law Coverage (set forth below) for: (a) The enforcement of or compliance with any ordinance or law which requires the demolition, repair, replacement, reconstruction, remodeling or remediation of property due to contamination by "pollutants" or due to the presence, growth, proliferation, spread or any activity of "fungi", wet rot or dry rot; or (b) Any costs associated with the endorsement of or compliance with any ordinance or law which requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to or assess the effects of "pollutants", "fungi", wet rot or dry rot. (3) Coverage (a) Coverage 1 — Coverage For Loss To The Undamaged Portion Of The Building With respect to the building that has sustained covered direct physical damage, we will pay under Coverage 1 for the loss in value of the undamaged portion of the building as a consequence of a requirement to comply with an ordinance or law that requires demolition of undamaged parts of the same building. This Coverage 1 is included within the Limit of Insurance shown in the Declarations as applicable to the covered building. This Coverage 1 does not increase the Limit of Insurance. (b) Coverage 2 — Demolition Cost Coverage With respect to the building that has sustained covered direct physical damage, we will pay the cost to demolish and clear the site of undamaged parts of the same building, as a consequence of a requirement to comply with an ordinance or law that requires demolition of such undamaged property. Paragraph E.5.d. Loss Payment Property Loss Condition in the Businessowners Coverage Form does not apply to the Demolition Cost Coverage. (c) Coverage 3 — Increased Cost Of Construction Coverage With respect to the building that has sustained covered direct physical damage, we will pay the increased cost to: (i) Repair or reconstruct damaged portions of that building; and/or (ii) Reconstruct or remodel undamaged portions of that building, whether or not demolition is required; when the increased cost is a consequence of a requirement to comply with the minimum standards of the ordinance or law. However: L This coverage applies only if the restored or remodeled property is intended for similar occupancy as the current property, unless such occupancy is not permitted by zoning or land use ordinance or law. ii. We will not pay for the increased cost of construction of construction if the building is not repaired, reconstructed or remodeled. Paragraph E.5.d. Loss Payment Property Loss Condition in the Businessowners Coverage Form does not apply to the Increased Cost Of Construction Coverage. Page 2 of 22 Includes copyrighted material of Insurance Services Office, Inc., BP 72 19 03 21 with its permission. (4) Loss Payment (a) When there is a loss in value of an undamaged portion of a building to which Coverage 1 applies, the loss payment for that building, including damaged and undamaged portions, will be determined as follows: (i) If the property is repaired or replaced on the same or another premises, we will not pay more than the lesser of: I. The amount you actually spend to repair, rebuild or reconstruct the building, but not for more than the amount it would cost to restore the building on the same premises and to the same height, floor area, style and comparable quality of the original property insured; or ii. The Limit Of Insurance shown in the Declarations as applicable to the covered building. (ii) If the property is not repaired or replaced, we will not pay more than the lesser of: i. The actual cash value of the building at the time of loss; or ii. The Limit Of Insurance shown in the Declarations as applicable to the covered building. (b) Loss payment under Coverage 2 — Demolition Cost Coverage will be determined as follows: (1) We will not pay more than the lesser of the following: I. The amount you actually spend to demolish and clear the site of the described premises; or ii. If you are the building owner the greater of either 10% of the covered building limit or $100,000; iii. If you are a tenant, $25,000 for tenant's improvements and betterments (c) Loss payment under Coverage 3 — Increased Cost Of Construction Coverage will be determined as follows: (i) We will not pay under Coverage 3: I. Until the property is actually repaired or replaced, at the same or another premises; and iii. Unless the repair or replacement is made as soon as reasonably possible after the loss or damage, not to exceed two years. We may extend this period in writing during the two years. (ii) If the building is repaired or replaced at the same premises, or if you elect to rebuild at another premises, the most we will pay under Coverage 3 is the lesser of: L The increased cost of construction at the same premises; or ii. If you are the building owner the greater of either 10% of the covered building limit or $100,000. M. If you are a tenant, $25,000 for tenant's improvements and betterments. (iii) If the ordinance or law requires relocation to another premises, the most we will pay under Coverage 3 is the lesser of: i. The increased cost of construction at the new premises; or ii. If you are the building owner the greater of either 10% of the covered building limit or $100,000. iii. If you are a tenant, $25,000 for tenant's improvements and betterments. (5) The terms of this endorsement apply separately to each building to which this endorsement applies. (6) Under this endorsement, we will not pay for loss due to any ordinance or law that: (a) You were required to comply with before the loss, even if the building was undamaged; and BP 72 19 03 21 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 22 with its permission. (b) You failed to comply with. 11. In A. Coverage, 5. Additional Coverages, m. Business Income From Dependent Properties, subparagraph (1) is deleted and replaced with: (1) We will pay for the actual loss of Business Income you sustain due to physical loss or damage at the premises of a dependent property or secondary dependent property caused by or resulting from any Covered Cause of Loss. However, this Additional Coverage does not apply when the only loss at the premises of a dependent property or secondary dependent property is loss or damage to "electronic data", including destruction or corruption of "electronic data". If the dependent property or secondary dependent property sustains loss or damage to "electronic data" and other property, coverage under this Additional Coverage will not continue once the other property is repaired, rebuilt or replaced. The most we will pay under this Additional Coverage is the lesser of $25,000 or of the loss sustained for a 15-day period immediately following the date of direct physical loss or damage, unless a higher limit is shown in the Declarations. 12. In A. Coverage, 5. Additional Coverages, m. Business Income From Dependent Properties, subparagraph (6)(a) is deleted and replaced with: (a) Begins 24 hours after the time of direct physical loss or damage caused by or resulting from any Covered Cause of Loss at the premises of the dependent property or secondary dependent property; and 13. In A. Coverage, 5. Additional Coverages, o. Fire Extinguisher Systems Recharge Expense, subparagraph (3), the amount of $5,000 is deleted and replaced with $10,000. 14. In A. Coverage, 5. Additional Coverages, p. Electronic Data, subparagraph (3), the amount of $10,000 is deleted and replaced with $50,000. 15. In A. Coverage, 5. Additional Coverages, q. Interruption Of Computer Operations, subparagraph (3), the amount of $10,000 is deleted and replaced with $25,000. 16. The following coverages are added to A. Coverage, 5. Additional Coverages: s. Water Back -Up And Sump Overflow (1) We will pay for direct physical loss or damage to Covered Property, covered under Section I — Property, caused by or resulting from: (a) Water or waterborne material which backs up through or overflows or is otherwise discharged from a sewer or drain; or (b) Water or waterborne material which overflows or is otherwise discharged from a sump, sump pump or related equipment, even if the overflow or discharge results from mechanical breakdown of a sump pump or its related equipment. However, with respect to paragraph s.(2), we will not pay the cost of repairing or replacing a sump pump or its related equipment in the event of mechanical breakdown. (2) The coverage described in paragraph s. above does not apply to loss or damage resulting from an insured's failure to: (a) Keep a sump pump or its related equipment in property working condition; or (b) Perform the routine maintenance or repair necessary to keep a sewer or drain free from obstructions. (3) The most we will pay for this coverage is $25,000 per location subject to an aggregate limit of $50,000 per policy term for all locations. t. Reward Payment (1) We will reimburse you for rewards paid to an "eligible person(s)" for: (a) Information leading to the arrest and conviction of any person(s) in connection with any crime resulting in a covered cause of loss to covered property during the policy period, provided that such person(s) is actually convicted; or Page 4 of 22 Includes copyrighted material of Insurance Services Office, Inc., BP 72 19 03 21 with its permission. (b) The return of stolen covered property, when the loss is caused by theft, provided that the covered property is actually returned. (2) Regardless of the number of "eligible person(s)" involved in provided such information, the most we will pay for all such rewards is the lesser of: (a) the amount of the reward you paid; or (b) $10,000. (3) For the purposes of this Additional Coverage only, the following definition is added: An "eligible person(s)" means that person designated by a law enforcement agency as being the first to voluntarily provide the information leading to the arrest and conviction or return of the stolen Covered Property, and who is not: (a) You or any family member; (b) Your employee (including a temporary or leased employee) or any of his or her family members; (c) An employee of a law enforcement agency; (d) An employee of a business engaged in property protection; (e) Any person who had custody of the Covered Property at the time the theft was committed; or (f) Any person involved in the crime. u. Lost Key And Lock Replacement (1) We will pay for the cost to replace a door key if it is lost, stolen or damaged by a Covered Cause of Loss. The most we will pay in any one occurrence is $1,000. (2) We will pay for the cost to repair or replace exterior or interior door locks of a covered building: (a) If your door keys are stolen in a covered "theft" loss; or (b) If your locks are damaged by a burglar. The most we will pay under this Additional Coverage is $1,000 for any one occurrence. No deductible is applicable to this Additional Coverage. v. Key Employee Replacement We will pay: (1) Advertising expense; (2) Candidate interview expense, including reimbursement for candidate's travel to your place of business; (3) Training costs; (4) Moving expenses incurred by a replacement employee; you incur in recruiting and replacing an employee due to the "unexpected departure' of a "key employee". The most we will pay under this Additional Coverage is $5,000 per replacement employee, subject to a maximum of $10,000 per policy term. For the purposes of this Additional Coverage Only, the following definitions are added: "Key employee" mean a person with an ownership interest in the business who devotes, on average, at least 25% of their time or 10 hours per week in the insured's primary operation, your bookkeeper or accountant (if an employee), and your "executive management" personnel. "Unexpected departure" means the unexpected death of a "key employee" during the policy term or the sudden resignation of a "key employee" due to winning a "lottery" or "contest" with a prize in excess of $500,000. Unexpected death does not include suicide or death attributed to a terminal illness diagnosed prior to the hiring of that employee or prior to the inception of the policy term. BP 72 19 03 21 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 22 with its permission. "Executive management" means a person that is in charge of a department or division within your company. Supervisors and foremen are not considered as executives for the purposes of this Additional Coverage. "Lottery" or "contest" means a lottery sanction by one or more states or a legal lottery or legal contest which is open to the general public. w. Unauthorized Business Card Use (1) We will pay for charges and costs you incur that result directly from the unauthorized use of credit, debit, or charge cards issued in your business name, including funds transfer cards, charge plates, or telephone cards, committed by an identified person acting alone or in collusion with other persons. (2) The most we will pay under this Additional Coverage in any one occurrence is $5,000. x. Computer Fraud And Funds Transfer Fraud (1) We will pay for: (a) Loss of and damage to "money', "securities" and "other property" following and directly related to the use of any computer to fraudulently cause a transfer of that property from inside the described premises, bank or savings institution: i. To a person (other than a messenger) outside those premises; or ii. To a place outside those premises. (b) Loss of "money' and "securities" resulting directly from a "fraudulent instruction" directing a financial institution to transfer, pay or deliver "money' and "securities" from your "transfer account". (2) The most we will pay for this Additional Coverage in any one occurrence is $10,000 unless a higher Limit of Insurance is shown in the Declarations. (3) All loss: (a) Caused by one or more persons; or (b) Involving a single act or series of related acts; is considered one occurrence. (4) With respect to the coverage provided by this Additional Coverage, paragraph B. Exclusions is amended as follows: (a) Paragraph 2.g. False Pretense does not apply. (b) The following exclusion is added: We will not pay for loss or damages caused by or resulting from the use or purported use of credit, debit, charge, access, convenience, identification, stored -value or other cards or the information contained on such cards. (5) The following exclusion is added to paragraph b. under G. Optional Coverages, 2. Money And Securities: (4) Or damage to "money" and "securities" following and directly related to the use of any computer to fraudulently cause a transfer of that property from inside the described premises, bank or savings institution: (a) To a person (other than a messenger) outside those premises; or (b) To a place outside those premises. y. Undamaged Tenant's Improvements And Betterments (1) We will pay for the value of undamaged tenants' improvements and betterments when your lease is cancelled: (a) By the lessor; (b) By a valid condition of your lease; and Page 6 of 22 Includes copyrighted material of Insurance Services Office, Inc., BP 72 19 03 21 with its permission. (c) Due to direct physical loss or damage to a building or business personal property at the premises described in the Declarations, caused by or resulting from a Covered Cause of Loss. (2) The most we will pay under this Additional Coverage in any one occurrence is $25,000. z. Contractual Penalties (1) We will pay for the contractual penalties you are legally liable to pay under a written contract between you and your customers. This Additional Coverage only applies if the penalties: (a) Result from your failure to timely deliver "your product" or "your work" according to the contract terms; (b) Result from direct physical loss or damage to Covered Property by a Covered Cause of Loss; and (c) Have been paid to your customer. (2) The most we will pay under this Additional Coverage in any one occurrence is $5,000. aa. Rental Reimbursement for Contractors' Equipment (1) We will pay your expense to rent equipment when the rental is made necessary by: (a) Direct physical loss or damage by a Covered Cause of Loss to equipment covered under form BP 07 01 — Contractors' Installation, Tools And Equipment Coverage endorsement; (b) Such equipment is needed to continue normal operations; and (c) You do not have substitute equipment. (2) Coverage begins 24 hours after the loss has occurred and ends when the property has been replaced, repaired or when the need no longer exists, whichever occurs first. (3) The most we will pay under this Additional Coverage for any one occurrence is $5,000. bb. Security Breach And Identity Services We will now provide Security Breach service to you as well as Identity services to you, your employees and household family members.* These services are administered by CyberScout. Security Breach Services — Confidential information entrusted to you, including Social Security numbers and credit card data can sometimes be compromised. If such a security breach occurred, you might be required by law to notify the affected individuals. CyberScout's Security Breach services will prepare you for the event of a potential breach and guide you through the process of notifying the affected individuals should a breach occur. Identity Services — Identity services from CyberScout give you unlimited, one-on-one access to a highly experienced fraud specialist who will act as a personal advocate in a wide range of identity -compromising situations. Whether you have a serious identity theft crisis or need to take preventative measures regarding a lost or stolen wallet, you don't have to struggle on your own. In the event of a security breach, identity theft or identity -related concern, you, your employees and household family members should contact United Fire Group at 1-800-343-9131 between 7:30 a.m. and 4:30 p.m. CT Monday through Friday. Please identify this call to the operator as a security breach, identity theft or identity -related concern so the call can be routed to the correct team at United Fire Group. Please have your policy number handy. United Fire Group will then connect you, your employees and household family members to CyberScout and highly trained fraud specialists will provide personal assistance. More information about these services is available on our policyholder website at www.ufgpolicy.com, including a flyer that can be printed, e-mailed or posted on your company's bulletin board or intranet to inform employees of the free identity services available to them. We also recommend that you visit CyberScout's website at unitedfiregroup.breach response.com to access the latest identity theft tips, media alerts, in-depth newsletters and more. Use the following login codes: Username: unitedfire , Password: UnitedFire1 . Security Breach Services cover breaches involving a maximum of 50,000 affected individuals. Security Breach Services are restricted to breaches of databases and information housed and located in the United States. Services are available only to notification recipients with a valid Social Security number. BP 72 19 03 21 Includes copyrighted material of Insurance Services Office, Inc., Page 7 of 22 with its permission. Security Breach Services are not insurance and do not reimburse for any financial losses. Using these free services does not involve filing any claims and will not affect your premium. *Identity services are available to a spouse and/or relative under age 26 who lives in the household. 17. In A. Coverage, 6. Coverage Extensions, part a. Newly Acquired Or Constructed Property is modified in the following ways: a. In paragraph (1) Buildings, the amount of $250,000 is deleted and replaced with $1,000,000. b. In paragraph (2) Business Personal Property, the amount of $100,000 is deleted and replaced with $500,000. c. In paragraph (3) Period Of Coverage, subparagraph (b) is deleted and replaced with: (b) 180 days expire after you acquire the property or begin construction of that part of the building that would qualify as Covered Property; or 18. In A. Coverage, 6. Coverage Extensions, b. Personal Property Off -premises, the amount of $10,000 is deleted and replaced with $25,000. 19. In A. Coverage, 6. Coverage Extensions, part c. Outdoor Property is deleted and replaced with: c. Outdoor Property You may extend the insurance provided by this policy to apply to your outdoor fences, radio and television antennas (including satellite dishes), signs (other than signs attached to buildings), trees, shrubs and plants (other than trees, shrubs or plans which are part of a vegetated roof), including debris removal expense. Loss or damage must be caused by or result from any of the following causes of loss: (1) Fire; (2) Lightning; (3) Explosion; (4) Riot or Civil Commotion; or (5) Aircraft The following causes of loss will apply only to outdoor fences and signs (other than signs attached to buildings): (6) Windstorm; (7) Hail; (8) Vandalism; (9) Malicious Mischief; (10) Struck By Automobile The most we will pay for loss or damage under this Extension is $5,000, unless a higher Limit Of Insurance for Outdoor Property is shown in the Declarations. Subject to all aforementioned terms and limitations of coverage, this Coverage Extension includes the expense of removing from the described premises the debris of trees, shrubs and plants which are the property of others, except in the situation in which you are a tenant and such property is owned by the landlord of the described premises. 20. Paragraph A. Coverage, 6. Coverage Extensions, d. Personal Effects is deleted and replaced with: d. Personal Effects You may extend the insurance that applies to Business Personal Property to apply to personal effects owned by you, your officers, your partners or "members", your "managers" or your employees, including temporary or leased employees. This extension does not apply to: (1) Tools or equipment used in your business other than hand operated tools, their containers, their spare parts and their accessories that are used your contracting, installation, erection, repair or moving operations or projects. Page 8 of 22 Includes copyrighted material of Insurance Services Office, Inc., BP 72 19 03 21 with its permission. (2) Loss or damage by theft. The most we will pay for loss or damage under this Extension is $5,000 at each described premises or at each "jobsite". 21. In A. Coverage, 6. Coverage Extensions, e. Valuable Papers And Records, subparagraph (3) is deleted and replaced with: (3) The most we will pay under this Coverage Extension for loss or damage to "valuable papers and records" in any one occurrence at the described premises is $100,000, unless a higher Limit of Insurance for "valuable papers and records" is shown in the Declarations. For "valuable papers and records" not at the described premises, the most we will pay is $25,000. 22. In A. Coverage, 6. Coverage Extensions, f. Accounts Receivable, subparagraph (2) is deleted and replaced with: (2) The most we will pay under this Coverage Extension for loss or damage in any one occurrence at the described premises is $100,000, unless a higher Limit of Insurance for accounts receivable is shown in the Declarations. For accounts receivable not at the described premises, the most we will pay is $25,000. 23. The following Coverage Extensions are added to Paragraph A. Coverage, 6. Coverage Extensions: h. Data Processing Equipment (1) You may extend the insurance provided by this coverage part to pay up to $50,000 for loss or damage to "data processing equipment" including component parts of that equipment, "data", "media" (including unused "media"), or "computer programs" which are: (a) Owned by you; (b) Leased or rented to you; or (c) Under your control; At a location described in the Declarations. (2) Covered property does not include: (a) Property you lease or rent to others while it is away from your premises; (b) Any "data" or "media" which cannot be replaced with others of like kind or quality; (c) Accounts, bills, evidence of debt, valuable papers, records, abstracts, deeds, manuscripts or other documents, except as they may be converted to data processing media form, and then only in that form. (d) "Stock" or inventory held for sale. (3) In addition to any excluded causes of loss under Section I — Property, we will not pay for loss or damage under this extension caused directly or indirectly by any of the following: (a) Error in machine programming or instructions to machine. But this exclusion does not apply to loss caused by acts of computer hackers, computer viruses, Trojan horses, worms, logic bombs, or other malicious software. (b) Actual work upon, installation, or testing of property. But we will pay for direct loss caused by resulting fire or explosion. (4) We will pay up to $25,000 for loss or damage to laptops, palmtops, tablets, notebook PC's, other portable computer devices, cellular phones, and accessories including, but not limited to, multimedia projectors while: (a) At your residence or the residence of your officers, partners, or employees; (b) Temporarily at a premises that is not described on the Declarations for more than 60 days; or (c) In transit. BP 72 19 03 21 Includes copyrighted material of Insurance Services Office, Inc., Page 9 of 22 with its permission. i. Utility Services — Direct Damage (1) We will pay up to $50,000, unless a higher Limit Of Insurance is indicated in the Declarations, for direct physical loss or damage to Covered Property caused by or resulting from the interruption of utility service to a location described in the Declarations. The interruption must result from direct physical loss or damage by a Covered Cause Of Loss to a "water supply property", "communication supply property", or "power supply property" not on the described premises. (2) This Coverage Extension is not subject to the terms of paragraph B. Exclusions, e. Utility Services to the extent that such exclusion would conflict with the provisions of this Coverage Extension. (3) Overhead transmission lines are not included unless they are specifically mentioned in the Declarations. j. Appurtenant Buildings And Structures (1) You may extend the insurance that applies to Buildings to apply to "incidental appurtenant buildings or structures" usual to your business located within 1,000 feet of the described premises. (2) You may extend the insurance that applies to Business Personal Property to apply to business personal property contained within "incidental appurtenant buildings or structures" usual to your business that are located within 1,000 feet of the described premises. (3) The most we will pay under this Coverage Extension for loss or damage in any on occurrence at the described premises is the lesser of 10% of the Building Limit shown in the Declarations for that described premises or $50,000. k. Business Income From Websites (1) We will pay up to $10,000 in any one occurrence for loss of business income you sustain due to the interruption of your online business operations caused by or resulting from physical loss or damage at the premises of a vendor acting as your internet or web hosting service provider. Such interruption must be caused by or result from a Covered Cause of Loss. (2) We will only pay for loss you sustain during the 7 day period immediately following the first 12 hours of the Covered Cause of Loss. (3) This coverage applies only: (a) If you have a back-up copy of your web site stored at a location other than the site of the web site vendor; and (b) To the extent that Business Income is permanently lost. This Limit Of Insurance is in addition to any other Limit Of Insurance that may be provided by this policy for this coverage. I. Expediting Expenses (1) We will pay for necessary and reasonable expenses you incur to make temporary repairs, expedite permanent repairs, or expedite permanent replacement due to a Covered Cause of Loss at a described premises shown in the Declarations. (2) Expediting expenses include overtime wages and the extra cost of express freight or express shipping. (3) Expediting expenses do not include expenses you incur for the temporary rental of property or temporary replacement of damaged property. (4) The most we will pay under this Coverage Extension is $5,000 per policy term. m. Tenant Lease Assessment We will extend your covered Business Personal Property to apply to your share of any assessment charged to all tenants by the building owner as a result of direct physical loss or damage caused by or resulting from a covered Cause of Loss to building property you occupy as agreed to in your written lease agreement. The most we will pay for loss under this Coverage Extension is $5,000 per policy term. Page 10 of 22 Includes copyrighted material of Insurance Services Office, Inc., BP 72 19 03 21 with its permission. n. Security Expense After Loss We will pay up to $2,500 per occurrence for the cost of security service approved by us that is used to protect Covered Property at the described premises after a covered loss, if we determine it is necessary. 24. In C. Limits Of Insurance, paragraphs 2. and 3. are deleted and replaced with the following: 2. The most we will pay for loss or damage to outdoor signs (other than signs attached to buildings) is $5,000 per sign in any one occurrence. The most we will pay for loss or damage to outdoor signs attached to buildings shown in the Declarations is $10,000 per sign in any one occurrence. 3. The amounts of insurance applicable to the Coverage Extensions and the following Additional Coverages apply in accordance with the terms of such coverages and are in addition to the Limits Of Insurance of Section I — Property. a. Fire Department Service Charge; b. Pollutant Clean-up And Removal; c. Coverage 2 — Demolition Cost Coverage found under Ordinance Or Law Coverage; d. Coverage 3 — Increased Cost Of Construction found under Ordinance Or Law Coverage; e. Business Income From Dependent Properties; f. Electronic Data; g. Interruption Of Computer Operations; h. Reward Payment; i. Lost Key And Lock Replacement; j. Key Employee Replacement 25. Paragraph D. Deductibles, subparagraph 2. is deleted and replaced with the following: 2. The most we will deduct from any loss or damage under each of the following Additional Coverages, Coverage Extensions and Optional Coverages in any one occurrence is the property deductible at that location or $1,000, whichever is less: a. Money and Securities; b. Employee Dishonesty c. Outdoor Signs; d. Forgery or Alteration; e. Utility Services — Direct Damage; f. Personal Effects g. Personal Property Off -Premises h. Data Processing Equipment (Off -Premises only) i. Appurtenant Buildings And Structures 26. The following is added to Paragraph E. Property Loss Conditions, 5. Loss Payment: We will issue loss payment to the first Named Insured shown in the Declarations and any mortgagee or loss payee as designated. 27. Paragraph G. Optional Coverages, 2. Money And Securities, subparagraph c. is deleted and replaced with: c. The most we will pay for loss in any one occurrence is: (1) $15,000 for loss of or damage to "money' and "securities" while: (a) In or on the described premises; or BP 72 19 03 21 Includes copyrighted material of Insurance Services Office, Inc., Page 11 of 22 with its permission. (b) Within a bank or savings institution; and (2) $5,000 for "money" and "securities" while anywhere else. 28. Paragraph G. Optional Coverages, 3. Employee Dishonesty, subparagraph c. is deleted and replaced with: c. The most we will pay for loss or damage in any one occurrence is $25,000. 29. Paragraph H. Property Definitions, subparagraph 9.a.(1)(a) is deleted and replaced with: (a) 24 hours after the time of direct physical loss or damage for Business Income Coverage; or 30. The following definitions are added to H. Property Definitions: 15. "Communication supply property" means property supplying communication services, including telephone, radio, microwave or television services to the descried premises, such as: a. Communication transmission lines, including optic fiber transmission lines; b. Coaxial cables; and c. Microwave radio relays except satellites. 16. "Computer programs" means data used to direct computer equipment including diagrams or other records which can be used to reproduce the programs. 17. "Data" means facts, concepts, or instructions, including computer programs, which are converted to a form usable in your data processing operations. 18. "Data processing equipment" means a network of machine components capable of accepting information, processing it according to plan, and producing desired results. It includes air conditioning, fire protection equipment, and electrical equipment used exclusively in your computer operations. 19. "Fraudulent instruction" means: a. An electronic, telegraphic, cable, teletype, telefacsimile or telephone instruction which purports to have been transmitted by you, but which was in fact fraudulently transmitted by someone else without your knowledge or consent; b. A written instruction (other than those described in Paragraph A.5.k. of the Businessowners Coverage Form) issued by you, which was forged or altered by someone other than you without your knowledge or consent or which purports to have been issued by you, but was in fact fraudulently issued without your knowledge or consent or; c. An electronic, telegraphic, cable, teletype, telefacsimile, telephone or written instruction initially received by you which purports to have been transmitted by an employee but which was in fact fraudulently transmitted by someone else without your or the employee's knowledge or consent. 20. "Incidental appurtenant buildings and structures" means storage buildings, carports, garages, pump houses or above -ground tanks which have not been specifically described in the Declarations. 21. "Jobsite" means any location, project or work site where you are involved in an installation or construction project. 22. "Media" means material on which data is recorded. 23. "Power supply property means the following types of property supplying electricity, steam or gas to the described premises: a. Utility generating plants; b. Switching stations; c. Substations; d. Transformers; and e. Transmission lines. 24. "Transfer account" means an account maintained by you at a financial institution from which you can initiate the transfer, payment or delivery of "money" and "securities": Page 12 of 22 Includes copyrighted material of Insurance Services Office, Inc., BP 72 19 03 21 with its permission. a. By means of electronic, telegraphic, cable, teletype, telefacsimile or telephone instructions communicated directly through an electronic funds transfer system; or b. By means of written instructions (other than those described in Paragraph A.5.k. of the Businessowners Coverage Form) establishing the conditions under which such transfers are to be initiated by such financial institution through an electronic funds transfer system. 25. "Water supply property" means pumping stations and water mains supplying water to premises described in the Declarations. SECTION II — LIABILITY 1. Paragraph A. Coverages, 1. Business Liability, f. Coverage Extension — Supplementary Payments, subparagraph (1)(d) is deleted and replaced with the following: (d) All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $500 a day, subject to a maximum of $5,000 per policy, because of time off from work. 2. The following coverages are added to A. Coverages: 3. Electronic Data Liability For the purposes of this Electronic Data Liability Coverage only: a. Paragraph B. Exclusions, 1. Applicable To Business Liability Coverage, q. Electronic Data is deleted and replaced with: q. Access Or Disclosure Of Confidential Or Personal Information And Data -related Liability (1) Damages, other than damages because of "personal and advertising injury" arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate "electronic data" that does not result from physical injury to tangible property. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of that which is described in paragraph (1) or (2) above. However, unless paragraph (1) above applies, this exclusion does not apply to damages because of "bodily injury". b. The following is added to paragraph B. Exclusions, 1. Applicable To Business Liability Coverage, p. Personal And Advertising Injury: p. Personal And Advertising Injury "Personal and Advertising Injury: Arising out of any access to disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of any access to or disclosure of any person's or organization's confidential or personal information. c. The following is added to paragraph D. Liability And Medical Expenses Limits Of Insurance: Subject to 2. and 4. Above, the most we will pay under paragraph A.1. Business Liability for "property damage" because of all loss of "electronic data" arising out of any one "occurrence" is $50,000. BP 72 19 03 21 Includes copyrighted material of Insurance Services Office, Inc., Page 13 of 22 with its permission. d. The following definition is added to paragraph F. Liability And Medical Expenses Definitions: "Electronic data" means information, facts or computer programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment. The term computer programs, referred to in the foregoing description of electronic data, means a set of related electronic instructions which direct the operations and functions of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve or send data. e. For the purposes of this Electronic Data Liability Coverage only, paragraph 17. of F. Liability And Medical Expenses Definitions is deleted and replaced with: 17. "Property damage" means: a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the `occurrence" that caused it; or c. Loss of, loss of use, damage to, corruption of, inability to access, or inability to properly manipulate "electronic data", resulting from physical injury to tangible property. All such loss of "electronic data" shall be deemed to occur at the time of the "occurrence" that caused it. For the purposes of this insurance, "electronic data" is not tangible property. 4. Water Damage Legal Liability a. The insurance provided under this coverage applies to "property damage" arising out of water damage to premises that are both rented to and occupied by you. b. The limit for this coverage shall not be in addition to the Damage To Premises Rented To You Limit. c. The most we will pay for this coverage is $25,000 for any one premises, subject to the Liability And Medical Expenses per occurrence limit and subject to the Other Than Products/Completed Operations Aggregate limit shown on the policy declarations. 5. Voluntary Property Damage Coverage a. We will pay damages due to "property damage" to property of others caused by the insured: (1) While in your possession; or (2) Arising out of "your work". b. This coverage applies at the request of the insured, whether or not the insured is legally obligated to pay. c. All exclusions applicable to 1. Business Liability except as noted herein apply to this coverage. d. For the purposes of this coverage only, paragraph B. Exclusions, k. Damage To Property is deleted and replaced by the following: k. Damage To Property "Property damage" to: (1) Property held by the insured for servicing, repair, storage or sale at premises you own, rent, lease, operate or use; (2) Property transported by or damage caused by any "auto", watercraft or aircraft you own, hire or lease; (3) Property you own, rent, lease, borrow or use. e. The most we will pay under this coverage is $5,000 for each "occurrence" and a $10,000 aggregate limit. For the purposes of this coverage only, our right and duty to defend ends when we have paid the Limit of Liability or the Aggregate Limit for each coverage, and we are granted discretion in making payments under this coverage. Page 14 of 22 Includes copyrighted material of Insurance Services Office, Inc., BP 72 19 03 21 with its permission. 6. Care, Custody And Control Property Damage Coverage a. We will pay damages due to "property damage" to personal property in the care, custody or control of the insured. b. All exclusions applicable to 1. Business Liability except as noted herein apply to this coverage. c. For the purposes of this coverage only, paragraph B. Exclusions, k. Damage To Property, subparagraph (4) is deleted. d. The most we will pay under this coverage is $25,000 for each "occurrence" and a $50,000 aggregate limit. e. This coverage is subject to a $500 per occurrence deductible. Our obligation to pay damages on your behalf applies only to the amount of damages in excess of $500. This deductible applies to all damages because of "property damage" as the result of any one "occurrence" regardless of the number of persons or organizations who sustain damages because of that "occurrence". We may pay any part or all of the deductible amount to effect settlement of any claim or "suit" and upon notification of the action taken, you shall promptly reimburse us for such part of the deductible amount as has been paid by us. For the purposes of this coverage only, our right and duty to defend ends when we have paid the Limit of Liability or the Aggregate Limit for each coverage, and we are granted discretion in making payments under this coverage. 3. Paragraph B. Exclusions, 1. Applicable To Business Liability Coverage, a. Expected Or Intended Injury is deleted and replaced with 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 "bodily injury' or "property damage" resulting from the use of reasonable force to protect persons or property. 4. In B. Exclusions, k. Damage To Property, the following is added to subparagraph (4): This exclusion does not apply to "property damage" to borrowed equipment while at a jobsite and while not being used to perform operations. The most we will pay for "property damage" to any one piece of borrowed equipment under this coverage is $25,000 per occurrence. The insurance afforded under this provision is excess over any valid and collectible property insurance (including deductible) available to the insured, whether primary, excess, contingent or on any other basis. 5. In B. Exclusions, k. Damage To Property, the following is added to subparagraphs (3), (4), and (6): This exclusion does not apply to "property damage" resulting from the use of elevators. However, any insurance provided for such "property damage" is excess over any valid and collectible property insurance (including deductible) available to the insured, whether primary, excess, contingent, or on any other basis. 6. At B. Exclusions, 1. Applicable To Business Liability Coverage, the last paragraph is deleted and replaced with the following: Exclusions c., d., e., f., g., h., L, k., I., m., n., and o. do not apply to damage by fire, explosion, lightning, smoke resulting from such fire, explosion, lightning, or sprinkler leakage to premises while rented to you or temporarily occupied by you with permission of the owner. A separate Limit of Insurance applies to this coverage as described in Paragraph D. Liability And Medical Expenses Limits Of Insurance 7. Only with respect to your "employees" who occupy positions that are supervisory in nature, paragraph C. Who Is An Insured, 2.a.(1) is deleted and replaced with: (1) "Bodily injury" or "personal and advertising injury": (a) To you, to your partners or members (if you are a partnership or joint venture), or to your members (if you are a limited liability company); (b) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in paragraph (1)(a) above; or BP 72 19 03 21 Includes copyrighted material of Insurance Services Office, Inc., Page 15 of 22 with its permission. (c) Arising out of his or her providing or failing to provide professional health care services. For the purposes of this Item 6. only, a position is deemed to be supervisory in nature if that person performs principal work which is substantially different from that of his or her subordinates and has authority to hire, transfer, direct, discipline or discharge. 8. The following is added to C. Who Is An Insured: 3. Any legally incorporated entity of which you own more than fifty percent of the voting stock during the policy period only if there is no other similar insurance available to that entity. However, coverage does not apply to "bodily injury", "property damage" or "personal and advertising injury" that occurred before you acquired more than fifty percent of the voting stock. 4. Any organization that you newly acquire or form, other than a partnership, joint venture, or limited liability company and over which you maintain ownership or majority interest, will qualify as a Named Insured if there is no other similar insurance available to that organization. However: a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier; b. Paragraph A.I. Business Liability does not apply to: (1) "Bodily injury" or "property damage" that occurred before you acquired or formed the organization; and (2) "Personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture, or limited liability company that is not shown as a Named Insured in the Declarations. 5. Additional Insured —Vendors a. Any person(s) or organization(s) (referred to throughout this endorsement as vendor), but only with respect to "bodily injury" or "property damage", which may be imputed to that person(s) or organization(s) arising out of "your products" which are distributed or sold in the regular course of the vendor's business. However: (1) The insurance afforded to such vendor only applies to the extent permitted by law; and (2) If coverage provided to the vendor is required by a contract or agreement, the insurance afforded to such vendor will not be broader than that which you are required by the contract or agreement to provide for such vendor. b. With respect to the insurance afforded to these vendors, the following additional exclusions apply: (1) The insurance afforded to the vendor does not apply to: (a) "Bodily injury" or "property damage" for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement; (b) Any express warranty unauthorized by you; (c) Any physical or chemical change in the product made intentionally by the vendor; (d) Repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; (e) Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products; (f) Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of the product; Page 16 of 22 Includes copyrighted material of Insurance Services Office, Inc., BP 72 19 03 21 with its permission. (g) Products which, after distribution or sale by you, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for the vendor; or (h) "Bodily injury' or "property damage" arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: i. The exceptions contained in subparagraph (d) or (f); or ii. Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes in the usual course of business, in connection with the distribution or sale of the products. (2) This insurance does not apply to any insured person or organization from whom you have acquired such products, or any ingredient, part or container entering into, accompanying or containing such products. c. With respect to the insurance afforded to these additional insureds, the following is added to paragraph D. Liability And Medical Expenses Limits Of Insurance: The most we will pay on behalf of the additional insured is the amount of insurance: (1) Required by the contract or agreement; or (2) Available under the applicable Limits Of Insurance shown in the Declarations; Whichever is less. 6. Additional Insured — Lessor Of Leased Equipment a. Any person(s) or organization(s) from whom you lease equipment when you and such person(s) or organization(s) have agreed in writing in a contract or agreement that such person(s) or organization(s) is an insured only with respect to your liability for "bodily injury', "property damage" or "personal and advertising injury' directly arising out of the maintenance, operation or use of equipment leased to you, which may be imputed to such person or organization as the lessor of equipment. However: (1) The insurance afforded to such additional insured only applies to the extent permitted by law; and (2) The insurance afforded to such additional insured will not be broaderthan thatwhich you are required by the contract or agreement to provide for such additional insured. b. 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. c. With respect to the insurance afforded to these additional insureds, the following is added to paragraph D. Liability And Medical Expenses Limits Of Insurance: The most we will pay on behalf of the additional insured is the amount of insurance: (1) Required by the contract or agreement; or (2) Available under the applicable Limits Of Insurance shown in the Declarations; Whichever is less. 7. Additional Insured —Managers Or Lessors Of Premises a. Any manager(s) or lessor(s) of premises is an additional insured when required by a written contract or agreement, but only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to you and shown as a covered location the policy Declarations. However: (1) The insurance afforded to such additional insured only applies to the extent permitted by law; and (2) If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. BP 72 19 03 21 Includes copyrighted material of Insurance Services Office, Inc., Page 17 of 22 with its permission. b. With respect to the insurance afforded to these additional insureds the following additional exclusions apply: This insurance does not apply to: (1) Any "occurrence" that takes place after you cease to be a tenant in the premises described in the policy Declarations. (2) Structural alterations, new construction or demolition operations performed by or for the manager(s) or lessor(s) of premises. c. With respect to the insurance afforded to these additional insureds, the following is added to paragraph D. Liability And Medical Expenses Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: (1) Required by the contract or agreement; or (2) Available under the applicable Limits of Insurance shown in the Declarations; Whichever is less. 8. Additional Insured — Engineers, Architects Or Surveyors Not Engaged By The Named Insured a. Any engineers, architects or surveyors who are not engaged by you are also additional insureds, but only with respect to liability for "bodily injury', "property damage" or "personal and advertising injury' which may be imputed to that architect, engineer or surveyor arising out of: (1) Your acts or omissions; or (2) The acts or omissions of those acting on your behalf; In the performance of your ongoing operations performed by you or on your behalf. Such engineers, architects or surveyors, while not engaged by you, are contractually required to be added as an additional insured to your policy. However, the insurance afforded to such additional insured: (1) Only applies to the extent permitted by law; and (2) Will not be broader than that which you are required by the contract or agreement to provide for such additional insured. b. With respect to the insurance afforded to these additional insureds, the following is added to paragraph D. Liability And Medical Expenses Limits Of Insurance: The most we will pay on behalf of the additional insured is the amount of insurance: (1) Required by the contract or agreement; or (2) Available under the applicable Limits Of Insurance shown in the Declarations; Whichever is less. 9. Additional Insured — State Or Governmental Agency Or Subdivision Or Political Subdivision — Permits Or Authorizations a. Any state or governmental agency or subdivision or political subdivision is also an additional insured, subject to the following provisions: (1) This insurance applies only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a permit or authorization. However: (a) The insurance afforded to such additional insured only applies to the extent permitted by law; and Page 18 of 22 Includes copyrighted material of Insurance Services Office, Inc., BP 72 19 03 21 with its permission. (b) If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. (2) This insurance does not apply to: (a) "Bodily injury", "property damage" or "personal and advertising injury' arising out of operations performed for the federal government, state or municipality; or (b) "Bodily injury' or "property damage" included within the "products -completed operations hazard". b. With respect to the insurance afforded to these additional insureds, the following is added to paragraph D. Liability And Medical Expenses Limits Of Insurance: The most we will pay on behalf of the additional insured is the amount of insurance: (1) Required by the contract or agreement; or (2) Available under the applicable Limits Of Insurance shown in the Declarations; Whichever is less. 10. Additional Insured — Controlled Insurance Program (Wrap -Up) Off -Premises Operations Only — Owners, Lessees or Contractors a. Any person(s) or organization(s) for whom you are performing operations, for which you have elected to seek coverage under a "controlled insurance program", when you and such person(s) or organization(s) have agreed in a written contract or agreement that such person(s) or organization(s) be added as an additional insured on your policy is an insured. Such person(s) or organization(s) is an additional insured only with respect to your liability which may be imputed to that person(s) or organization(s) directly arising out of your ongoing operations performed for that person(s) or organization(s) at a premises other than any project or location that is designated as covered under a "controlled insurance program". A person's or organization's status as an insured under this endorsement ends when your operations for that insured are completed. b. With respect to the insurance afforded to these additional insureds, the following additional exclusion applies. This insurance does not apply to: "Bodily injury", "property damage" or "personal and advertising injury' arising out of the rendering of, or failure to render any professional architectural, engineering or surveying services, including: (1) The preparing, approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; and (2) Supervisory, inspection 11. Additional Insured — Owners, Lessees Or Contractors — Automatic Status When Required In Construction Or Service Agreement With You Including Upstream Parties a. Any person(s) or organization(s) for whom you are performing operations when you and such person(s) or organization(s) have agreed in a written contract or agreement that such person or organization be added as an additional insured on your policy. b. Any other person(s) or organization(s) you are required to add as an additional insured under the written contract or agreement described in paragraph a. above. Such person(s) or organization(s) is an additional insured only with respect to liability for "bodily injury', "property damage" or "personal or advertising injury' which may be imputed to that person(s) or organization(s) directly arising out of: (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. However, the insurance afforded to such additional insured described above: BP 72 19 03 21 Includes copyrighted material of Insurance Services Office, Inc., Page 19 of 22 with its permission. (1) Only applies to the extent permitted by law; and (2) Will not be broader than that which you are required by the contract or agreement to provide for such additional insured. c. 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 failure to render, any professional architectural, engineering or surveying services, including: (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. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage", or the offense which caused the "personal and advertising injury', involved the rendering of or the failure to render any professional architectural, engineering or surveying services. (2) "Bodily injury' or "property damage" occurring after: (a) All 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 insured(s) 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. 12. Additional Insured — Products -Completed Operations Coverage Including Upstream Parties a. Any person(s) or organization(s) for whom you are performing operations when you and such person(s) or organization(s) have agreed in a written contract or agreement that such person or organization be added as an additional insured on your policy. b. Any other person(s) or organization(s) you are required to add as an additional insured under the written contract or agreement described in paragraph a. above. Such person(s) or organization(s) is an additional insured only with respect to liability for "bodily injury', "property damage" or "personal or advertising injury' which may be imputed to that person(s) or organization(s) directly arising out of "your work" performed for that additional insured an included in the "products -completed operations hazard". However: (1) The insurance afforded to such additional insureds only applies to the extent permitted by law; (2) If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. (3) Such coverage will not apply subsequent to the first to occur of the following: (a) The expiration of the period of time required by the "written contract'; or (b) The expiration of any applicable statute of limitations or statute of repose with respect to claims arising out of "your work". c. With respect to the insurance afforded to any additional insured under this endorsement, the following additional exclusionary language shall apply: This insurance does not apply to "bodily injury' or "property damage" arising out of the rendering of, or the failure to render, any professional architecture, engineering or surveying services, including: Page 20 of 22 Includes copyrighted material of Insurance Services Office, Inc., BP 72 19 03 21 with its permission. (1) The preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (2) Supervisory, inspection, architectural or engineering activities. 9. The following is added to paragraph D. Liability And Medical Expenses Limits Of Insurance, subparagraph b.: The Other Than Products/Completed Operations Aggregate limit applies separately to each of your "locations" owned by or rented to you or temporarily occupied by you with the permission of the owner. For the purposes of this addition, "locations" means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway, or right-of-way of a railroad. 10. The following is added to paragraph D. Liability And Medical Expenses Limits Of Insurance, subparagraph b.: The Other Than Products/Completed Operations Aggregate limit applies separately to each of your projects away from premises owned by or rented to you. A separate Other Than Products/Completed Operations Aggregate limit will apply for projects at premises owned by or rented to you. 11. In E. Liability And Medical Expenses General Conditions, 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit, subparagraphs a. and b. are deleted and replaced with the following: 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. Knowledge of an "occurrence" by your agent, servant or employee shall not in itself constitute knowledge of the named insured unless an officer of the named insured has received such notice from the agent, servant or employee. To the extent possible, notice should include: (1) How, when and where the "occurrence" 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. Knowledge of a claim or "suit' by your agent, servant or employee shall not in itself constitute knowledge of the named insured unless an officer of the named insured has received such notice from the agent, servant or employee. 12. In F. Liability And Medical Expense Definitions, subparagraph 3. is deleted and replaced with: 3. "Bodily injury" means physical injury, sickness or disease sustained by a person. This includes mental anguish, mental injury, shock, fright or death that results from such physical injury, sickness or disease. 13. In F. Liability And Medical Expense Definitions, subparagraph 12.f.(1) is deleted and replaced with: (1) Equipment designed primarily for: (a) Snow removal; (b) Road maintenance, but not construction or resurfacing; or (c) Street cleaning; Except for such vehicles that have a gross vehicle weight less than 1,000 lbs. which are not designed for highway use. 14. The following is added to F. Liability And Medical Expense Definitions: 23. "Controlled (wrap-up) insurance program" means a centralized insurance program under which one party has secured either insurance or self-insurance covering some or all of the contractors or subcontractors performing work on one or more specific project(s). BP 72 19 03 21 Includes copyrighted material of Insurance Services Office, Inc., Page 21 of 22 with its permission. SECTION III —COMMON POLICY CONDITIONS 1. The following is added to paragraph C. Concealment, Misrepresentation or Fraud: Based on our reliance on your representations as to existing hazards, if you unintentionally should fail to disclose all such hazards at the inception date of your policy, we will not deny coverage underthis coverage part because of such failure. However, this provision does not affect our right to collect additional premium or exercise our right of cancellation or non -renewal. 2. The following is added to paragraph K. Transfer Of Rights Of Recovery Against Others To Us: We waive any right of recovery we may have against any person or organization, with whom you have agreed to waive such right of recovery in a written contract or agreement, because of payments we make for injury or damage arising out of your ongoing operations or "your work" done under a contract with that person or organization and included in the "products -completed operations hazard". Page 22 of 22 Includes copyrighted material of Insurance Services Office, Inc., BP 72 19 03 21 with its permission. I ' ® AC"R o CERTIFICATE OF LIABILITY INSURANCE DATE (MMID DIYYYY) 03l21/2024 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 ri hts to the certificate holder in lieu of such endorsement($). PRODUCER SfateFarlo! BRAD GLASSCO, AGENT 31321 E OUTER HIGHWAY 10 REDLANDS, CA 92373 CONTACT ELIZABETH NAME: _ PHONE 909-794-7707 Fax pA1C _N t ' AIC Na E-MAIL elizabeth@bradglassco.com ADDRESS: INSURERS AFFORDING COVERAGE NAIC 0 INSURER A: State Farm Mutual Automobile Insurance Company 25178 INSURED ARBORPRO, INC. 22605 LA PALMA AVE. #509 YORBA LINDA, CA 92887 INSURER B : INSURERC: INSURER o : INSURER E : 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. INSRR TYPE OF INSURANCE ADDL SUBR POLICY NUMBER POLICY EFF MMIDDIYYYY POLICY EXP MM1DDlYYYY LIMITS COMMERCIAL GENERAL LIABILITY CLAIMS -MADE M OCCUR EACH OCCURRENCE 5 DAMAGE TO RENTED PREMISES,(Fa occurrence $ _ MED FXP (Any one person) S PERSONAL & ADV INJURY $ GE_N'L AGGREGATE LIMIT APPLIES PER: POLICY PRO- LOC JECT OTHER, GENERAL AGGREGATE PRODUCTS - COMPIOP AGG $ $ $ A [AU I OMOBILE LIABILITY X ANY AUTO OWNED SCHEDULED AUTOS ONLY AUTOS AUTO NON -OWNER X HIREDAUTOS ONLY X AUTOS ONLY Y 693 9728-0O3-75 -9ZZ 03/03/2024 03/03/2025 COMBINED SINGLE LIMIT {Ea accident $ 1,000,000 BODILY INJURY (Per person) $ BODILY INJURY (Per accident) $ PROPERTY DAMAGE Per accident $ _ UMBRELLA LIAB EXCESS LIAB OCCUR CLAIMS -MADE EACH OCCURRENCE $ AGGREGATE $ DED RETENTION $ $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y I N ANY PROPMETORIPARTNERIE.XECUTIVE OFFICERIMEMBER EXCLU➢ED? ❑ (Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below N I A PER OTH- STATUTE ER E.L. EACH ACCIDENT $ E.L. DISEASE -EA EMPLOYE $ E.L. DISEASE -POLICY LIMkT $ DESCRIPTION OF OPERATIONS I LOCATIONS / VEHICLES {ACORD 101, Additional Remarks Schedule, may be attached If more space Is required) CERTIFICATE HOLDER CANCELLATION 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 AUTHORIZED REPRESENTATIVE 78-495 Calle Tampico La Quinta, CA 92253 gzl_ 5' 1 — r� �noo n/14e Af`F%Mr% r•r%0Dr%PA_rInM All rin Fifes rPQP"Ad_ ACORD 25 (2016103) The ACORD name and logo are registered marks of ACORD 1UD1486 132849.13 04-22-2020 Policy Number: 693 9728-0O3-75 -9ZZ Commercial Auto Liability This endorsement changes the policy, please read it carefully. ADDITIONAL INSURED Owners, Lessees or Contractors (Form B) This endorsement modifies insurance provided under the following: Commercial Auto Liability Coverage Part Schedule Name of Person or Organization: City of La Quinta are included as additional insured. (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) Who is an insured: (Section 11) is amended to include as an insured the person or Organization shown in the Schedule, but only with respect to liability arising out of your completed and ongoing operations performed for that insured. Primary/ non-contributory Clause such insurance offered by this policy for the benefit of the additional insured shall be primary insurance but only with respect to any claims, loss or liability arising out of the operation of the named insured's, and any insurance maintained by the additional insured shall be non-contributing. Cancellation Notice: It is understood and agreed that in the event of cancellation of the policy for any reason other than non-payment of premium, thirty (30) days written notice will be sent to the following by mail. Waiver of Subrogation Endorsement The policy is hereby amended to include endorsement FE6671 the additional insured in under section II, item 10 of the policy "transfer of rights or recovery against others to us." Authorized Representative (�2, L��= Brad Gl co, Agent CG 20 10 11 85 Additional Insured Copy ARBOR-1 OP DO KD DATE(MMIDDIYYYY) F03121/2024 ,a►CpRO CERTIFICATE OF LIABILITY INSURANCE 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 951-273-3000 ISU Insurance Services 400 S Ramona Rd Ste 209 CONTACT Barry Hymes NAME PHONE 951-273-3000 FAX 951-273-3001 (Arc, No, Ext): (Arc, No): E-MAIL ADDRESS: Corona, CA 92879 Barry Hymes INSURERS AFFORDING COVERAGE NAIC # INSURERA: Wesco Insurance Company INSURED ArborPro, Inc. INSURER B : A- (Excellent) Keri Isbister INSURER C : 22605 La Palma Ave #509 Yorba Linda, CA 92887 INSURER D : INSURER E INSURER F : COVERAGES CERTIFICATE NUMRFR- REVISION NUMRFR- 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 7ypE OF INSURANCE ADDL INSD SUB WVD POLICY NUMBER POLICY EFF MM1DD POLICY EXP MM1DD LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ CLAIMS -MADE ] OCCUR DAMAGE TO RENTED PREMISES Ea occurrence $ MED EXP (Any one person) $ PERSONAL & ADV INJURY $ GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ POLICY JECT LOC PRODUCTS - COMP/OP AGG $ OTHER AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident $ BODILY INJURY (Per person) $ ANY AUTO OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY Per accident $ PROPERTY DAMAGE Per accident $ HIRED NON -OWNED AUTOS ONLY AUTOS ONLY UMBRELLA LIAB OCCUR EACH OCCURRENCE $ AGGREGATE $ EXCESS LIAB CLAIMS -MADE DED RETENTION $ $ A WORKERS COMPENSATION AND EMPLOYERS' LIABILITY YIN OIFFICERfMEMBER EXCLUDED ECUTIVE FN (Mandatory in NH) N 1 A X WWC3669778 09/24/2023 09/24/2024 X PER OTH- STATUTE ER E.L. EACH ACCIDENT 1,000,000 $ E.L. DISEASE - EA EMPLOYEE $ 1,000,000 If yes, describe under 1,000,000 DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT DESCRIPTION OF OPERATIONS r LOCATIONS 1 VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Job: City of La Quinta Waiver of Subrogation applies to this job. CERTIFICATE HOLDER CANCELLATION CITY784 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of La Quinta THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. 78495 Calle Tampico La Quinta, CA 92253 AUTHORIZED REPRESENTATIVE 0 ACORD 25 (2016103) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 04 03 06 (Ed. 04-84) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA 1i1r'e 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 5% of the California workers' compensation premium otherwise due on such remuneration. Person or Organization City of La Quinta 78-405 Calle Tampico La Quinta CA 92253 Schedule Job Description Per written contract 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.) Endorsement Effective 3/21/2024 Policy No. WWC3669778 Endorsement No. 10 Insured ArborPro, Inc. Premium $ 17,892 Insurance Company Wesco Insurance Company Countersigned by WC 04 03 06 ( Ed. 04-84 )