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Home My WebLink AboutA9161 - JOHN FRIEDMAN ALICE KIM ARCHITECTS101-INFRI.01 MCCOWANA CERTIFICATE OF LIABILITY INSURANCE DATE 8 (MM1DDzam 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 pollcy(les) 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 License ff OE67768 cO ncT Erica Wilson uc°Nli , E,d); (858 754-0063 50233 ) FAX (AIC, No): 619 574-6288 IDA Insurance Services 3636 Nobel Drive Suite 410 E-MaIL . Erica.Wilson@ioausa.com San Diego, CA 92122 INSURERS AFFORDING COVERAGE NAIC0 INSURERA:RLI Insurance Company 13056 INSURED INSURERB:Hudson Insurance Company 25054 INSURER C: John Friedman Alice Kimm Architects, Inc. INSURER 0: 1461 E 4th Street Los Angeles, CA 90033 INSURER E NSURER F: Cr1VFRAr;FS CFRTIFICATE 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 TYPE OF INSURANCE ADDLNSO SUER JNM POLICY NUMBER POLICY EFF POLICY EXP LIMITS A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 CLAIMS -MADE FX] OCCUR X X PSBOO10799 8/18/2024 811812025 DAMAGETORENTED 1,000,00g X MEDEXP(Any onePerson) $ 10,000 Cent Liab/Sev Int PERSONAL BADV INJURY $ 1,000,000 GENL AGGREGATE LIMIT APPLIES PER: POLICY �X of LOC GENERAL AGGREGATE $ 2,000,000 PRODUCTS -COMPIOPAGG $ 2,000,000 iDed $ 0 OTHER: A LIABILITY COMBINED SINGLE UMIT $ 1,000,000 BODILY INJURY Per Person)$ ANY AUTO X X PSA0003522 811812024 8/18/2025 BODILY INJURY Per accident PUTOMOBILE OWNED SCHEDULED AUTOS ONLY AUUpTNNO.pSS nDAMAGENo EEpp AUTOS ONLY ANaMW NLPeGaic�id Go. Owned AutosA UMBRELLA LAB X OCCUR EACH OCCURRENCE $ 5,000,000 X EXCESS LAB CLAIMS -MADE PSE0005298 8/18/2024 8118/2025 AGGREGATE $ 5,000,000 OED I X I RETENTION$ 0 A WORKERS COMPENSATION AND EMPLOYERS'LIABILRY ANY PROPMETORIPARTNERIEJIECIITNE YIN %FFICERRAEMgER EXCLUDED] (Mandatory In NH) NIA X PSWOODS832 8118/2024 8/18/2025 X PER OTH- EL EACH ACCIDENT 1,000,000 8 E.L. DISEASE - EA EMPLOYE 1,000,000 $ If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT 1 ggg ggg B Professional Liab. PR80619119451 8/18/2024 8118/2025 Per Claim 2,000,000 B Ded. $25K Per Claim PRE0619119451 111112024 111112125 Aggregate 4,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES ((ACORD tat, AddiUorial Remarks Schedule, may be aeached 1 more space Is required) Re: Project: Palm Springs Navigation Center, Cfty Project No. 22-05 The City of Palm Springs, Its officials, employees, and agents are additional Insured with respect to General Liability and Auto Liability per the attached endorsements as required by written contract. Insurance Is Primary and Non -Contributory. Waiver of Subrogation applies to General Liability, Auto Liability, and Workers' Compensatlon. 30 Days Notice of Cancellation with 10 Days Notice for Non -Payment of Premium In accordance with the policy provisions. 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 Palm Springs Attn3200 Venda Teed, Engineering Division 3200 E. Tahquitz Canyon AUTHORED REP,R/EESSE/NTTATNE �,�,Y/Yi' I ACORD 25 (2016103) @ 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD Policy Number: PSB0010799 Named Insured: John Friedman Alice Kimm Architects, Inc. RLI Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RLIPack° FOR DESIGN PROFESSIONALS BLANKET ADDITIONAL INSURED ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM - SECTION II — LIABILITY 1. C. WHO IS AN INSURED is amended to include as an additional insured any person or organization that you agree in a contract or agreement requiring insurance to include as an additional insured on this policy, but only with respect to liability for "bodily injury', "property damage" or "personal and advertising injury" caused in whole or in part by you or those acting on your behalf: a. In the performance of your ongoing operations; b. In connection with premises owned by or rented to you; or c. In connection with "your work" and included within the "product -completed operations hazard". 2. The insurance provided to the additional insured by this endorsement is limited as follows: a. This insurance does not apply on any basis to any person or organization for which coverage as an additional insured specifically is added by another endorsement to this policy. b. This insurance does not apply to the rendering of or failure to render any "professional services". c. This endorsement does not increase any of the limits of insurance stated in D. Liability And Medical Expenses Limits of Insurance. 3. The following is added to SECTION III H.2. Other Insurance — COMMON POLICY CONDITIONS (BUT APPLICABLE ONLY TO SECTION II — LIABILITY) However, if you specifically agree in a contract or agreement that the insurance provided to an additional insured under this policy must apply on a primary basis, or a primary and non-contributory basis, this insurance is primary to other insurance that is available to such additional insured which covers such additional insured as a named insured, and we will not share with that other insurance, provided that: a. The "bodily injury" or "property damage" for which coverage is sought occurs after you have entered into that contract or agreement; or b. The "personal and advertising injury" for which coverage is sought arises out of an offense committed after you have entered into that contract or agreement. 4. The following is added to SECTION III K. 2. Transfer of Rights of Recovery Against Others to Us — COMMON POLICY CONDITIONS (BUT APPLICABLE TO ONLY TO SECTION 11 — LIABILITY) We waive any rights of recovery we may have against any person or organization because of payments we make for "bodily injury", "property damage" or "personal and advertising injury" arising out of "your work" performed by you, or on your behalf, under a contract or agreement with that person or organization. We waive these rights only where you have agreed to do so as part of a contract or agreement with such person or organization entered into by you before the "bodily injury" or "property damage" occurs, or the "personal and advertising injury" offense is committed. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. PPB 304 06 10 Page 1 of 1 Policy Number: PSB0010799 RLI Insurance Company A. B. C. D. E. F. G. H. I. J. K. L. M. N. O. P. Q. R. S. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RLIPack® FOR DESIGN PROFESSIONALS LIABILITY ENHANCEMENT SCHEDULE OF COVERAGES ADDRESSED BY THIS ENDORSEMENT First Aid And Good Samaritan Services Supplementary Payments Reasonable Force — Bodily Injury Or Property Damage Non -Owned Watercraft Canoes Or Rowboats Damage To Premises Rented To You Aircraft Chartered With Crew Electronic Data Liability Who Is An Insured — Newly Acquired Or Formed Organizations Who Is An Insured — Unnamed Partnership Or Joint Venture Additional Insured — Owner, Manager Or Lessor Of Premises Or Leased Equipment Additional Insured — State Or Political Subdivisions — Permits Related To Premises Or Operations General Aggregate Limit — Per Project Or Per Location Knowledge And Notice Of Occurrence Or Offense Amended Bodily Injury Definition Amended Insured Contract Definition — Construction Or Demolition Operations Within 50' Of Railroad Amended Personal And Advertising Injury Definition — Electronic Material Unintentional Omission Waiver Of Transfer Of Rights Of Recovery Against Others To Us PPB 316 11 13 Page 1 of 7 This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM — SECTION II — LIABILITY AND SECTION III AS IT PERTAINS TO LIABILITY ONLY A. First Aid And Good Samaritan Services 1. The following is added to Section II A.I. Business Liability Coverages We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury' arising out of either the rendering of or failure to render, "First Aid" or "Good Samaritan Services" to any person. For the purposes of this coverage grant, "First Aid" or "Good Samaritan Services" will be deemed to meet the definition of "occurrence". For the purposes of determining the applicable limits of insurance, any act or omission together with all related acts or omissions in the rendering of "First Aid" or "Good Samaritan Services" to any one person will be deemed one 'occurrence". a. "First Aid" means initial care for medical attention immediately following a "bodily injury". b. "Good Samaritan Services" means medical attention provided in an emergency and for which no remuneration is demanded or received. 2. The insurance provided by this provision shall be excess over any valid and collectible other insurance available to any insured whether primary, excess, contingent or any other basis, except for insurance purchased specifically by you to apply in excess of the limits of Insurance shown in the declarations for Business Liability. B. Supplementary Payments Section II A.1.f. Coverage Extension — Supplementary Payments Paragraphs 1.(b) and 1.(d) are deleted and replaced with the following: (b) Up to $2,500 for the cost of bail bonds required because of accidents or traffic violations arising out of any vehicle to which Business Liability Coverage for "bodily injury' applies. We do not have to furnish these bonds. (d) All reasonable expenses incurred by the insured at our request to assist in the investigation or defense of the claim or "suit", including actual loss of earnings up to $500 a day because of time off work. C. Reasonable Force — Bodily Injury Or Property Damage Section II B.1.a. Exclusions, Expected Or Intended Injury, is deleted and replaced by the following: a. Expected or Intended Injury "Bodily Injury" or "property damage" ex- pected 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. D. Non -Owned Watercraft 1. Section II B.1.g. Exclusions, Aircraft, Auto Or Watercraft Subparagraph (2) is deleted and replaced by the following: (2) A watercraft you do not own that is: (a) Up to seventy-five (75) feet long; and (b) Not being used to carry persons or property for a charge; 2. Only as respects to the insurance provided by this provision C. Who Is An Insured is amended to include as an insured any person who, with your express consent uses the watercraft. 3. The insurance provided by this provision shall be excess over any valid and collectible other insurance available to the insured, whether primary, excess, contingent or on any other basis, except for the insurance purchased specifically by you to apply in excess of the Limits of Insurance shown in the declarations for this Coverage Part. E. Canoes Or Rowboats The following is added to the exceptions contained in Section II B.1.g. Exclusions, Aircraft, Auto Or Watercraft: (6) Any non -motorized canoe or rowboat owned by the insured. Only as respects to the insurance provided by this provision C. Who Is An Insured is amended to include as an insured any person who, with your express consent, uses any such canoe or rowboat. F. Damage to Premises Rented to You 1. The last paragraph of Section II B.1. Ex- clusions — Applicable To Business Liability Coverage is deleted and replaced by the following: Exclusions c., d., e., f., g., h., i., k., 1., m., n. and o. in SECTION II — LIABILITY do not apply to damage by water, fire, explosion, lightning, or smoke resulting from fire to premises while PPB 316 11 13 Page 2 of 7 rented to you, or temporarily occupied by you with permission by the owner. A separate Damage To Premises Rented To You Limit of Insurance applies to this coverage as described in paragraph D. Liability And Medical Expenses Limits of Insurance in SECTION II — LIABILITY. 2. Section II F.9.a. Liability And Medical Expenses Definitions, is deleted and replaced by the following: a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by water, fire, explosion, lightning, or smoke resulting from fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured contract"; 3. This provision does not apply if coverage for Damage To Premises Rented To You is ex- cluded by another endorsement to this policy. G. Aircraft Chartered With Crew 1. The following is added to the exceptions contained in Section II B.1.g. Exclusions, Aircraft, Auto or Watercraft: (6) Any non -owned aircraft chartered to you with a crew including a pilot. 2. The insurance provided by this provision shall be excess over any valid and collectible other insurance available to the insured whether primary, excess, contingent or on any other basis, except for insurance purchased specif- ically by you to apply in excess of the Limits of Insurance shown in Declarations. H. Electronic Data Liability 1. Section If B.1.q. Exclusions is deleted and replaced by the following: q. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, disclosure of, display of, theft or misappropriation of or inability to manipulate "electronic data". However this exclusion does not apply to "Property Damage". 2. The following definition is added to Section II F. Liability And Medical Expenses Definitions: "Electronic data" means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), hard or floppy disks, CD-ROMS, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. 3. For the purposes of the coverage provided by this endorsement, Section II F. Liability And Medical Expenses Definitions, Paragraph 17. is deleted and replaced by the following: 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 of, damage to, corruption of, inability to access, or in- ability to 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. d. Property damage does not mean dis- closure of, display of, or theft or mis- appropriation of electronic data however caused. For the purposes of this insurance, "electronic data" is not tangible property. 1. Who Is An Insured — Newly Acquired Or Formed Organizations The following is added to Section II C. Who Is An Insured: Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, 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: 1. Coverage under this provision is afforded only until the one hundred eightieth (180`h) day after you acquire or form the organization or the end of the policy period, whichever is earlier; 2. Coverage does not apply for "bodily injury" or "property damage" that occurred before you acquired or formed the organization. 3. Coverage does not apply for "personal and advertising injury' arising out of an offense committed before you acquired or formed the organization. PPB 316 11 13 Page 3 of 7 4. This provision does not apply to any organization for which coverage is excluded by another endorsement to this policy. J. Who Is An Insured — Unnamed Partnership Or Joint Venture 1. The last paragraph of Section II C. Who Is An Insured is deleted and replaced by the following: 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 showy as a Named Insured in the Declarations. However this limitation does not apply to your liability with respect to your conduct of the business of any current or past partnership or joint venture: a. That is not shown as a Named Insured in the Declarations; and b. In which you are a member or partner but only if: (i) Each and every member or partner in that joint venture or partnership is not a construction contractor; and (ii) The joint venture or partnership is not providing construction contracting services. 2. This provision does not apply to any person or organization for which coverage is excluded by another endorsement to this policy. 3. The insurance provided by this provision shall be excess over any valid and collectible other insurance, whether primary, excess, contingent or on any other basis, which is available covering your liability with respect to your conduct of the business of any current or past partnership or joint venture that is not shown as a Named Insured in the Declarations and which is issued to such partnership or joint venture. K. Additional Insured — Owner, Manager Or Lessor Of Premises Or Leased Equipment Section II C. Who Is An Insured is amended to include as an insured: 1. Any person or organization that you have agreed in a contract or agreement to include as an additional insured on this policy, but: a. Only with respect to liability for "bodily injury" or "property damage" that occurs, or "personal and advertising injury" caused by an offense committed, after you have entered into that contract or agreement; and (1) Only if the "bodily injury", "property dam- age" or "personal and advertising injury' is caused, in whole or in part, by you or any person or organization performing operations on your behalf, and arises out of the ownership, maintenance or use of that part of any premises leased to you under that contract or agreement; or (2) The "bodily injury", "property damage" or "personal and advertising injury" is caused, in whole or in part, by you or any person or organization performing operations on your behalf, and arises out of the maintenance, operation or use of equipment leased to you by such additional insured. 2. The insurance provided to such additional in- sured under this provision is subject to the following: a. The limits of insurance afforded to such additional insured shall be the limits which you agreed to provide in the contract or agreement, or the limits shown in the Declarations, whichever are less; and b. The insurance afforded to such additional insured does not apply: (1) To any "bodily injury' or "property dam- age" that occurs, or "personal and advertising injury' caused by an offense committed, after you cease to be a tenant in that premises; (2) To any structural alterations, construc- tion or demolition operations performed by or on behalf of such additional insured; (3) To any premises for which coverage is excluded by another endorsement to this Coverage Part; (4) To any "bodily injury' or "property dam- age" that occurs, or "personal and advertising injury' caused by an offense committed, after the equipment lease expires; or (5) If the equipment is leased with an operator. 3. This provision does not apply on any basis to any person or organization for which coverage as an additional insured specifically is added by another endorsement to this policy. PPB 316 11 13 Page 4 of 7 L. Additional Insured — State Or Political Subdivisions — Permits Related To Premises Or Operations Section II C. Who Is An Insured is amended to include as an insured: 1. Any state or political subdivision that has issued a permit in connection with premises owned or occupied by, or rented or loaned to, you, but only with respect to "bodily injury', "property damage", "personal and advertising injury" arising out of the existence, ownership, use, maintenance, repair, construction, erection or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, man- holes, marquees, hoist away openings, sidewalk vaults, elevators, street banners or decorations for which that state or political subdivision has issued such permit. 2. Any state or political subdivision that has issued a permit, but only with respect to "bodily injury, "property damage", "personal and advertising injury" arising out of operations performed by you or on your behalf for which that state or political subdivision has issued such permit. However, no such state or political subdivision is an insured for: a. "Bodily injury", "property damage", "personal and advertising injury' arising out of op- erations performed for that state or political subdivision; or b. "Bodily injury' or "property damage" included within the "products -completed operations hazard". M. General Aggregate Limit — Per Project Or Per Location Section II D. Liability And Medical Expenses Limits of Insurance, Paragraph 4. Aggregate Limits. is deleted and replaced by the following: 4. Aggregate Limits The most we will pay for: a. All "bodily injury" and "property damage" that is included in the "products -completed operations hazard" is twice the Liability and Medical Expenses limit. b. All: (1) "Bodily injury' and "property damage" except damages because of "bodily in- jury" or "property damage" included in the "products -completed operations hazard"; (2) Plus medical expenses; (3) Plus all "personal and advertising injury' caused by offenses committed; is twice the Liability and Medical Expenses limit. The aggregate limit for all "bodily injury" and "property damage", medical expenses and "personal and advertising injury" other than "bodily injury" or "property damage" included in the "products -completed operations hazard" applies separately to each of your "projects" away from premises owned by or occupied by you or to each of your "locations" owned by or occupied by you. "Projects" mean an area away from premises owned by or rented to you at which you are performing operations pursuant to a contract or agreement. For the purposes of determining the applicable aggregate limit of insurance, each "project" at the same "location" shall be considered a single "project". For the purposes of this provision, "location" means 1. Premises involving the same or connecting lots; 2. Premises where connection is interrupted only by a street, roadway, waterway or right- of-way of a railroad; or 3. Premises where operations are performed in sections, stages or phases as a continuation of the same contract or agreement, even if the premises do not involve connecting lots. Subject to Paragraph a. or b. above, whichever applies, the Damage To Premises Rented To You Limit is the most we will pay for damages because of "property damage" to any one premises, while rented to you, or in the case of fire; explosion; lightning; smoke resulting from such fire, explosion or lightning; or water while rented to you or temporarily occupied by you with permission of the owner. The Limits of. Insurance of SECTION II — LIABILITY apply separately to each consecutive annual period and to any remaining period of less than twelve (12) months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than twelve (12) months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. N. Knowledge And Notice Of Occurrence Or Offense The following is added to Section II E. 2. Liability and Medical Expenses General Conditions, Duties In The Event of Occurrence, Offense, Claim Or Suit: PPB 316 11 13 Page 5 of 7 Notice of an "occurrence" or of an offense which may result in a claim must be given as soon as practicable after knowledge of the "occurrence" or offense has been reported to you, one of your "executive officers" (if you are a corporation), one of your partners who is an individual (if you are a partnership), one of your managers (if you are a limited liability company), one of your trustees who is an individual (if you are a trust), or an "employee" (such as an insurance, loss control or risk manager or administrator) designated by you to give such notice. Knowledge by any other "employee" of an "occur- rence" or offense does not imply that you also have such knowledge. Notice of an "occurrence" or of an offense which may result in a claim will be deemed to be given as soon as practicable to us if it is given in good faith as soon as practicable to your workers' compensation, accident, or health insurer. This applies only if you subsequently give notice of the "occurrence" or offense to us as soon as practicable after you, one of your "executive officers" (if you are a corporation), one of your partners who is an individual (if you are a partnership), one of your managers (if you are a limited liability company), one of your trustees who is an individual (if you are a trust), or an "employee" (such as an insurance, loss control or risk manager or administrator) designated by you to give such notice discovers that the "occurrence" or offense may involve this policy. O. Amended Bodily Injury Definition The definition of "bodily injury' in Section II F.3. Liability And Medical Expenses Definitions is deleted and replaced by the following: "Bodily injury" means injury to the body, sickness, disease, or death. "Bodily injury' also means mental injury, mental anguish, emotional distress, pain and suffering, or shock resulting from injury to the body, sickness, disease or death of.any person. P. Amended Insured Contract Definition — Construction Or Demolition Operations Within 50' Of Railroad The definition of "insured contract" in Section II F.9.c. Liability And Medical Expenses Defi- nitions is deleted and replaced by the following: c. Any easement or license agreement 2. The definition of "insured contract" in Section II F.9.f.(1) Liability And Medical Expenses Definitions is deleted. 3. The insurance provided by this provision shall be excess over any valid and collectible Railroad Protective Liability insurance available to an insured , whether primary, excess, contingent or on any other basis, except for the insurance purchased specifically by you to apply in excess of the Limits of Insurance shown in the declarations for this Coverage Part. Q. Amended Personal And Advertising Injury Definition — Electronic Material The definition of "personal and advertising injury" in Section II F.14.d. Liability And Medical Expenses Definitions is deleted and replaced by the following: d. Oral, written or electronic publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; 2. The definition of "personal and advertising injury" in Section II F.14.e. Liability And Medical Expenses Definitions is deleted and replaced by the following: e. Oral, written or electronic publication, in any manner, of material that violates a person's right of privacy; 3. Section If B.1.p.(2) Exclusions for Personal And Advertising Injury is deleted and replaced by the following: (2) Arising out of oral, written or electronic publication of material if done by or at the direction of the insured with knowledge of its falsity; 4. Section II BA.p.(2) Exclusions for Personal And Advertising Injury is deleted and replaced by the following: (3) Arising out of oral, written or electronic pub- lication of material whose first publication took place before the beginning of the policy period; R. Unintentional Omission The following is added to SECTION III — COMMON POLICY CONDITIONS Paragraph C. Concealment, Misrepresentation Or Fraud (BUT APPLICABLE ONLY TO SECTION II — LIABILITY) However as it pertains to Business Liability Cover- age only, the unintentional omission of, or uninten- tional error in, any information provided by you which we relied upon in issuing this policy shall not prejudice your rights under this insurance. This pro- vision does not affect our right to collect additional premium or to exercise our right of cancellation or nonrenewal in accordance with applicable insurance laws or regulations. PPB 316 11 13 Page 6 of 7 S. Waiver Of Transfer Of Rights Of Recovery Against Others To Us SECTION III — COMMON POLICY CONDITIONS Paragraph K.2. Transfer of Rights of Recovery Against Others to Us (BUT APPLICABLE ONLY TO SECTION If — LIABILITY) is deleted and replaced by the following: 2. Applicable to Business Liability Coverage: We waive any rights of recovery we may have against any person or organization because of payments we make for "bodily injury', "property damage", "personal injury and advertising injury" arising out of: a. Premises owned by you, temporarily occu- pied by you with permission of the owner, or leased or rented to you; b. Ongoing and completed operations per- formed by you, or on your behalf, under a contract or agreement with that person or organization; c. Your "work": or d. "Your products". We waive these rights only where you have agreed to do so as part of a contract or agree- ment entered into by you before the "bodily injury" or "property damage" occurs or the "personal and advertising injury" offense is committed. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. PPB 316 11 13 Page 7 of 7 Policy Number: PSA0003522 RLI Insurance Company Named Insured: ,John Friedman Alice Kimm Architects, Inc. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RLIPack® BUSINESS AUTO ENHANCEMENT SCHEDULE OF COVERAGES ADDRESSED BY THIS A. Broad Form Named Insured B. Employees As Insureds C. Blanket Additional Insured D. Blanket Waiver Of Subrogation E. Employee Hired Autos F. Fellow Employee Coverage G. Auto Loan Lease Gap Coverage H. Glass Repair— Waiver Of Deductible I. Personal Effects Coverage J. Hired Auto Physical Damage Coverage K. Hired Auto Physical Damage — Loss Of Use L. Hired Car —Worldwide Coverage M. Temporary Transportation Expenses N. Amended Bodily Injury Definition — Mental Anguish O. Airbag Coverage P. Amended Insured Contract Definition — Railroad Easement Q. Coverage Extensions —Audio, Visual And Data Electronic Equipment Not Designed Solely For The Production Of Sound R. Notice Of And Knowledge Of Occurrence S. Unintentional Errors Or Omissions T. Towing Coverage PPA 300 03 11 Page 1 of 5 This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM A. Broad Form Named Insured The following is added to the SECTION II — LIABILITY Coverage, Paragraph A.1. Who Is An Insured Provision: Any business entity newly acquired or formed by you during the policy period, provided you own fifty percent (50%) or more of the business entity and the business entity is not separately insured for Business Auto Coverage. Coverage is extended up to a maximum of one hundred eighty (180) days following the acquisition or formation of the business entity. This provision does not apply to any person or organization for which coverage is excluded by endorsement. B. Employees As Insureds The following is added to the SECTION II — LIABILITY COVERAGE, Paragraph A.1. Who Is An Insured Provision: Any "employee" of yours is an "insured" while using a covered "auto" you don't own, hire or borrow in your business or your personal affairs. C. Blanket Additional Insured The following is added to the SECTION 11 — LIABILITY COVERAGE, Paragraph A.1. Who Is An Insured Provision: Any person or organization that you are required to include as an additional insured on this coverage form in a contract or agreement that is executed by you before the "bodily injury' or "property damage" occurs is an "insured" for liability coverage, but only for damages to which this insurance applies and only to the extent that person or organization qualifies as an "insured" under the Who Is An Insured provision contained in SECTION II — LIABILITY COVERAGE. The insurance provided to the additional insured will be on a primary and non-contributory basis to the additional insured's own business auto coverage if you are required to do so in a contract or agreement that is executed by you before the "bodily injury" or "property damage" occurs. D. Blanket Waiver Of Subrogation The following is added to the SECTION IV — BUSINESS AUTO CONDITIONS, A. Loss Conditions, 5. Transfer Of Rights Of Recovery Against Others To Us: We waive any right of recovery we may have against any person or organization to the extent required of you by a contract executed prior to any "accident" or "loss", provided that the "accident" or "loss" arises out of the operations contemplated by such contract. The waiver applies only to the person or organization designated in such contract. E. Employee Hired Autos 1. The following is added to the SECTION II — LIABILITY COVERAGE, Paragraph A.1. Who Is An Insured Provision: An "employee" of yours is an "insured" while operating an "auto" hired or rented under a contract or agreement in that "employee's" name, with your permission, while performing duties related to the conduct of your business. 2. Changes In General Conditions: Paragraph 5.b. of the Other Insurance Condition in the BUSINESS AUTO CONDITIONS is deleted and replaced with the following: b. For Hired Auto Physical Damage Coverage, the following are deemed to be covered "autos" you own: (1) Any covered "auto" you lease, hire, rent or borrow; and (2) Any covered "auto" hired or rented by your "employee" under a contract in that individual "employee's" name, with your permission, while performing duties related to the conduct of your business. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto". F. Fellow Employee Coverage SECTION 11 — LIABILITY COVERAGE, Exclusion B.S. does not apply if you have workers compensation insurance in -force covering all of your employees. G. Auto Loan Lease Gap Coverage SECTION III — PHYSICAL DAMAGE COVERAGE, C. Limit Of Insurance, is amended by the addition of the following: In the event of a total "loss" to a covered "auto" shown in the Schedule of Declarations, we will pay any unpaid amount due on the lease or loan for a covered "auto". less: PPA 300 03 11 Page 2 of 5 1. The amount paid under the PHYSICAL DAMAGE COVERAGE section of the policy; and 2. Any: a. Overdue leasefloan payments at the time of the "loss"; b. Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage. c. Security deposits not returned by the lessor; d. Costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance purchased with the loan or lease; and e. Carry-over balances from previous loans or leases. H. Glass Repair — Waiver Of Deductible SECTION III — PHYSICAL DAMAGE COVERAGE, D. Deductible is amended by adding the following: No deductible for a covered "auto" will apply to glass damage if the glass is repaired rather than replaced. I. Personal Effects Coverage The following is added to SECTION III — PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions: c. Personal Effects Coverage In the event of a total theft loss of your covered "auto we will pay up to $400 for "loss" to wearing apparel and other personal effects which are: (1) Owned by an "insured"; and (2) In or on your covered "auto"; No deductible applies to Personal Effects Coverage. J. Hired Auto Physical Damage Coverage The following is added to SECTION III — PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions: d. Hired Auto Physical Damage Coverage If hired "autos" are covered "autos" for Liability Coverage and this policy also provides Physical Damage Coverage for an owned "auto", then the Physical Damage Coverage is extended to "autos" that you hire, rent or borrow subject to the following: (1) The most we will pay for "loss" in any one 'accident' to a hired, rented or borrowed "auto" is the lesser of: (a) $60,000 (b) The actual cash value of the damaged or stolen property as of the time of the "loss"; or (c) The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality. (2) An adjustment for depreciation and physical condition will be made in the event of a total "loss". (3) If a repair or replacement results in better than like kind or quality, we will not pay for the betterment. (4) A deductible equal to the highest Physical Damage deductible applicable to any owned auto will apply. (5) This Coverage Extension will not apply to: (a) Any "auto" that is hired, rented or borrowed with a driver, or (b) Any "auto" that is hired, rented or borrowed from your "employee" K. Hired Auto Physical Damage — Loss Of Use The following is added to SECTION II — LIABILITY COVERAGE, A.2. Coverage Extensions: e. We will pay sums which you legally must pay to the lessor of a covered "auto" which you have leased without a driver for thirty (30) days or less for the lessor's loss of use of the covered "auto", provided: (1) This insurance provides comprehensive, specified causes of loss or collision covered on the covered "auto"; (2) The loss of use results from the covered "auto" being damaged in an "accident" while you are leasing it. We will pay up to a maximum limit of $1,500 for this covered extension. L. Hired Car— Worldwide Coverage The following is added to SECTION II — LIABILITY COVERAGE, A.2. Coverage Extensions: f. Hired Car —Worldwide Coverage (1) We will pay all sums an "insured" legally must pay as damages because of "bodily injury" or "property damage" to which this insurance applies, caused by an "accident" which occurs outside of the United States of America, the territories and possessions of the United States of America, Puerto Rico and Canada resulting from the maintenance, or use of any covered "auto" of the private passenger type you lease, hire, rent or borrow without a driver for thirty (30) days or less. PPA 300 03 11 Page 3 of 5 (2) With respect to any claim made or "suit" instituted outside the United States of America, the territories and possessions of the United States of America, Puerto Rico, and Canada: (a) You shall undertake the investigation, settlement and defense of such claims and "suits" and keep us advised of all proceedings and actions. (b) You will not make any settlement without our consent. (c) We will reimburse you: (i) For the amount of damages be- cause of liability imposed upon you by law on account of "bodily" injury" or "property damage" to which this insurance applies, and (11) For all reasonable expenses incur- red with our consent in connection with the investigation, settlement or defense of such claims or "suits". Reimbursement for expenses will be part of the Limit of Insurance for liability coverage shown in the Busi- ness Auto Coverage Declarations, and not in addition to such limits. (3) The limit of Insurance for Liability Coverage shown in the Business Auto Coverage Declarations is the most we will reimburse you for the sum of all damages imposed on you, as set forth in paragraph 2.c. above, and all expenses incurred by you arising out of any single "accident" or "loss". (4) You must maintain the greater of the following primary auto liability insurance limits: (a) Compulsory admitted insurance with limits required to be in force to satisfy the legal requirements of the jurisdiction where the accident occurs; or (b) Insurance limits required by law and issued by a government entity or by an insurer licensed or permitted by law to do business in the jurisdiction where the "accident" occurs; or (c) Auto liability insurance limits of at least $300,000 combined single limit or $100,000 per person/$300,000 per acci- dent Bodily Injury, $100,000 Property Damage. If you fail to comply with the above, this insurance is not invalidated. However, in the event of a "loss", we will pay only to the extent that we would have been liable had you so complied. (5) The insurance provided by this coverage extension is excess over any other collectible insurance available to you whether on a primary, excess contingent or any other basis. M. Temporary Transportation Expenses SECTION ill — PHYSICAL DAMAGE COVERAGE, A.4. Coverage Extensions, subparagraph a. Transportation Expenses is deleted and replaced by the following: a. Transportation Expenses (1) We will pay up to a maximum of $1,500 for temporary transportation expense incurred by you because of Physical Damage to a coverage "auto". (2) We will pay only for those covered "autos" for which you carry Comprehensive, Collision or Specified Case of Loss Coverage. , (3) We will pay only for those expenses incurred by you during the period of time that begins twenty-four (24) hours after the covered "loss" and ends at the time when the covered "auto" can be reasonable repaired or replaced. (4) This coverage does not apply while there are spare or reserve "autos" available to you for your operations. N. Amended Bodily Injury Definition — Mental Anguish The following is added to SECTION V — DEFINITIONS, Definition C.: "Bodily injury" also includes mental anguish, but only when the mental anguish arises from other bodily injury, sickness or disease. O. Airbag Coverage The following is added to SECTION III — PHYSICAL DAMAGE COVERAGE B. Exclusions 3.a.: However, this exclusion will not apply to accidental discharge of an airbag due to mechanical or electrical breakdown. P. Amended Insured Contract Definition — Railroad Easement SECTION V — DEFINITIONS paragraph H. "Insured contact" is modified as follows: 1. Paragraph H.3. is replaced by the following: 3. Any easement or license agreement. 2. Paragraph H.6.a. is deleted. PPA 300 03 11 Page 4 of 5 Q. Coverage Extensions — Audio, Visual And Data Electronic Equipment Not Designed Solely For The Production Of Sound SECTION III — PHYSICAL DAMAGE COVERAGE B. Exclusions, exception paragraph a. to exclusion 4.c. and 4.d. is deleted and replaced with the following: a. Equipment and accessories used with such equipment, except for tapes, records, discs or other electronic media device, provided such equipment is permanently installed in the covered "auto" at the time of the "loss" or is removable from the housing unit which is permanently installed in the covered "auto" at the time of the "loss", and such equipment is designed to be solely operated by use of the power from the "autos" electrical system, in or upon the covered "autos"; or R. Notice Of An Knowledge Of Occurrence SECTION IV — BUSINESS AUTO CONDITIONS, A.2. Duties In The Event Of Accident, Claim Suit Or Loss, subparagraph a. is deleted and replaced with the following: a. In the event of "accident", claim, "suit" or "loss", you must give us or our authorized representative prompt notice of the "accident" or "loss" including: (1) How, when and where the "accident' or "loss" occurred; (2) The "insured's" name and address; and (3) To the extent possible, the names and addresses of any injured person and witnesses. Your duty to give us or our authorized representative prompt notice of the "accident" or "loss" applies only when the "accident" or "loss" is known to: (1) You, if you are an individual; (2) A partner if you are a partnership; or (3) An executive officer or insurance manager, if you are a corporation. S. Unintentional Errors Or Omissions SECTION IV — BUSINESS AUTO CONDITIONS, B. General Conditions; 2. Concealment Misrepre- sentation Or Fraud is amended by adding the following: The unintentional omission of, or unintentional error in, any information given by you shall not prejudice your rights under this insurance. However this pro- vision does not affect our right to collect additional premium or exercise our right of cancellation or nonrenewal. T. Towing Coverage SECTION III — PHYSICAL DAMAGE COVERAGE, A.2. Towing, is deleted and replaced by the following: 2. We will pay up to $750 for towing and labor costs incurred each time a covered "auto" is disabled due to a covered cause of loss. However: a. All labor must be performed at the place of disablement; and b. If the covered auto is a private passenger type no deductible applies; and c. If the covered auto is not of the private passenger type our obligation to pay will be reduced by a $250 deductible per disablement. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. PPA 300 03 11 Page 5 of 5 WORKERS,'i COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 04 03 06 (Ed. 04-94) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT—CALIFORNIA We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be _2_%of the California workers' compensation premium otherwise due on such remuneration. _ Person or Organization All persons or organizations that are party to a contract that Requires you to obtain this agreement, provided you executed The contract before the loss. Schedule Job Description Jobs performed for any person or organization that you have Agreed with in a written contract to provide this agreement. This endorsement changes the policy to which it is attached and is effective an the date issued unless otherwise stated. (The information below is required onlywhen this endorsement Is issued subsequent to preparation of the policy.) Endorsement Effective 8/18/2024 Policy No.P5W0005832 Endorsement No. Insured John Friedman Alice Kimm Architets, Inc. Insurance Company RLI Insurance Company Countersigned By