Alameda City Council
July 7, 2026

SERVICE PROVIDER AGREEMENT
This SERVICE PROVIDER AGREEMENT (“Agreement”) is entered into this ____ day of _________ 20___ (“Effective Date”), by and between the CITY OF ALAMEDA, a municipal corporation (“the City”), and JOSE FERNANDEZ, a sole proprietor, whose address is 1849 15TH AVE., SAN FRANCISCO, CA 94122 (“Provider”), in reference to the following facts and circumstances:

RECITALS
A. The City is a municipal corporation duly organized and validly existing under the laws of the State of California with the power to carry on its business as it is now being conducted under the statutes of the State of California and the Charter of the City.

B. The City is in need of the following services: on call graphic design services for Base Reuse and Economic Development Department. With the written approval of the City Manager/City Attorney, City staff selected the service provider on a sole source basis because of previous experience in executing quality graphic designs and website creation and maintenance.

C. Provider possesses the skill, experience, ability, background, certification and knowledge to provide the services described in this Agreement on the terms and conditions described herein.

D. The City and Provider desire to enter into an agreement for three-years, upon the terms and conditions herein.

AGREEMENT
NOW, THEREFORE, in consideration of the forgoing, which are incorporated herein by reference, and for good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the City and Provider agree as follows:

1. TERM:

The term of this Agreement shall commence on the __th day of June 2026, and shall terminate on the 30th day of June 2029, unless terminated earlier as set forth herein.

2. SERVICES TO BE PERFORMED:

Provider agrees to do all necessary work at its own cost and expense, to furnish all labor, tools, equipment, materials, except as otherwise specified, and to do all necessary work included in Exhibit A as requested. Provider acknowledges that the work plan included in Exhibit A is tentative and does not commit the City to request Provider to perform all tasks included therein.

3. COMPENSATION TO PROVIDER:
a. By the 7th day of each month, Provider shall submit to the City an invoice for the total amount of work done the previous month. Pricing and accounting of charges are to be according to the fee schedule as set forth in Exhibit B and incorporated herein by this reference.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Extra work must be approved in writing by the City Manager or their designee prior to performance and shall be paid on a Time and Material basis as set forth in Exhibit B.

Compensation for work done under this Agreement, shall not exceed as follows:

FY 25-26 total compensation shall not exceed $29,750.00 FY 26-27 total compensation shall not exceed $31,237.50 FY 27-28 total compensation shall not exceed $32,799.38 Total three-year compensation shall not exceed $93,786.88

4. TIME IS OF THE ESSENCE:

Provider and the City agree that time is of the essence regarding the performance of this Agreement.

5. STANDARD OF CARE:

Provider shall perform all services under this Agreement in a skillful and competent manner, consistent with the standards generally recognized as being employed by professionals in the same discipline in the State of California. Provider represents that it is skilled in the professional calling necessary to perform all services contracted for in this Agreement. Provider further represents that all of its employees and subcontractors shall have sufficient skill and experience to perform the duties assigned to them pursuant to and in furtherance this Agreement.

Provider further represents that it (and its employees and subcontractors) have all licenses, permits, qualifications, and approvals of whatever nature that are legally required to perform the services (including a City Business License, as needed); and that such licenses and approvals shall be maintained throughout the term of this Agreement. As provided for in the indemnification provisions of this Agreement, Provider shall perform (at its own cost and expense and without reimbursement from the City) any services necessary to correct errors or omissions which are caused by Provider’s failure to comply with the standard of care provided for herein. Any employee of the Provider or its sub-providers who is determined by the City to be uncooperative, incompetent, a threat to the adequate or timely completion of any services under this Agreement, or a threat to the safety of persons or property (or any employee who fails or refuses to perform the services in a manner acceptable to the City) shall be promptly removed by the Provider and shall not be re-employed to perform any further services under this Agreement.

6. INDEPENDENT PARTIES:

Provider hereby declares that Provider is engaged as an independent business and Provider agrees to perform the services as an independent contractor. The manner and means of conducting the services and tasks are under the control of Provider except to the extent they are limited by statute, rule or regulation and the express terms of this Agreement. No civil service status or other right of employment will be acquired by virtue of Provider’s services. None of the benefits provided by the City to its employees, including but not limited to unemployment insurance, workers’ compensation plans, vacation and sick leave, are available from the City to Provider, its employees or agents. Deductions shall not be made for any state or federal taxes, FICA payments, PERS payments, or other purposes normally associated with an employer-employee relationship from any compensation due to Provider. Payments of the above items, if required, are the responsibility of Provider. Any personnel performing the services under this Agreement on behalf Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 of Provider shall also not be employees of City and shall at all times be under Provider’s exclusive direction and control.

7. IMMIGRATION REFORM AND CONTROL ACT (IRCA):

Provider assumes any and all responsibility for verifying the identity and employment authorization of all of its employees performing work hereunder, pursuant to all applicable IRCA or other federal, or state rules and regulations. Provider shall indemnify, defend, and hold the City harmless from and against any loss, damage, liability, costs or expenses arising from any noncompliance of this provision by Provider.

8. NON-DISCRIMINATION:

Consistent with the City’s policy and state and federal law that harassment and discrimination are unacceptable conduct, Provider and its employees, contractors, and agents shall not harass or discriminate against any job applicant, City employee, or any other person on the basis of any kind of any statutorily (federal, state or local) protected class, including but not limited to: race, religious creed, color, national origin, ancestry, disability (both mental and physical) including HIV and AIDS, medical condition (e.g. cancer), genetic information, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, pregnancy, political affiliation, military and veteran status or legitimate union activities. Such non-discrimination shall include but not be limited to all activities related to initial employment, upgrading, demotion, transfer, recruitment or recruitment advertising, layoff, or termination. Provider agrees that any violation of this provision shall constitute a material breach of this Agreement.

9. HOLD HARMLESS:
a. To the fullest extent permitted by law, Provider shall indemnify, defend (with counsel acceptable to the City) and hold harmless the City, its City Council, boards, commissions, officials, employees, agents and volunteers (“Indemnitees”) from and against any and all loss, damages, liability, obligations, claims, suits, judgments, costs and expenses whatsoever, including reasonable attorney’s fees and costs of litigation (“Claims”), arising from or in any manner connected to Provider’s performance of its obligations under this Agreement or out of the operations conducted by Provider even if the City is found to have been negligent. If the Claims filed against Indemnitees allege negligence, recklessness or willful misconduct on the part of Provider, Provider shall have no right of reimbursement against Indemnitees for the costs of defense even if negligence, recklessness or willful misconduct is not found on the part of Provider.

Provider shall not have any obligations to indemnify Indemnitees if the loss or damage is found to have resulted solely from the negligence or the willful misconduct of the City. The defense and indemnification obligations of this Agreement are undertaken in addition to, and shall not in any way be limited by, the insurance obligations contained in this Agreement. b. As to Claims for professional liability only, Provider’s obligation to defend Indemnitees (as set forth above) is limited as provided in California Civil Code Section 2782.8. c. Provider’s obligation to indemnify, defend and hold harmless Indemnitees shall expressly survive the expiration or early termination of this Agreement.

10. INSURANCE:

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Endorsement shall include primary and non-contributory coverage at least as broad as the CG 2010.
(3) Professional Liability:

Professional liability insurance which includes coverage appropriate for the professional acts, errors and omissions of Provider’s profession and work hereunder, including, but not limited to, technology professional liability errors and omissions if the services being provided are technology-based, in the following minimum limits:
$500,000 each claim
Technology professional liability errors and omissions shall include, or be endorsed to include, property damage liability coverage for damage to, alteration of, loss of, or destruction of electronic data and/or information “property” of the City in the care, custody, or control of Provider. If not covered under Provider’s liability policy, such “property” coverage of the City may be endorsed onto Provider’s Cyber Liability Policy as covered property as follows: cyber liability coverage in an amount sufficient to cover the full replacement value of damage to, alteration of, loss of, or destruction of electronic data and/or information “property” of the City that will be in the care, custody, or control of Provider.] As to commercial general liability and automobile liability insurance, such insurance will provide that it constitutes primary insurance with respect to claims insured by such policy, and, except with respect to limits, that insurance applies separately to each insured against whom claim is made or suit is brought. Such insurance is not additional to or contributing with any other insurance carried by or for the benefit of the City.
c. SUBROGATION WAIVER:

Provider hereby agrees to waive rights of subrogation that any insurer of Provider may acquire from Provider by virtue of the payment of any loss. Provider agrees to obtain any endorsement that ma
y be necessary to affect this waiver of subrogation, but this provision applies regardless of whether the City has received a waiver of subrogation endorse ment from the insurer. The Workers’ Compensation policy shall be endorsed with a waiver of subrogation in favor of the City for all work performed by Provider, its employees, agents and subcontractors. d. FAILURE TO SECURE:

If Provider at any time during the term hereof should fail to secure or maintain the foregoing insurance, the City shall be permitted to obtain such insurance in Provider’s name or as an agent of Provider and shall be compensated by Provider for the costs of the insurance premiums at the maximum rate permitted by law and computed from the date written notice is received that the premiums have not been paid.
e. ADDITIONAL INSUREDS:

The City, its City Council, boards, commissions, officials, employees, agents, and volunteers shall be named as additional insured(s) under all insurance coverages, except workers’ compensation and professional liability insurance. The naming of an additional insured shall not Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

affect any recovery to which such additional insured would be entitled under this policy if not named as such additional insured. An additional insured named herein shall not be held liable for any premium, deductible portion of any loss, or expense of an y nature on this policy or any extension thereof. Any other insurance held by an additional insured shall not be required to contribute anything toward any loss or expense covered by the insurance provided by this policy.

Additional Insured coverage under Provider’s policy shall be primary and non-contributory and will not seek contribution from the City’s insurance or self -insurance. Any available insurance proceeds broader than or in excess of the specified minimum insurance coverage requirements and/or limits shall be available to the additional insured(s). f. SUFFICIENCY OF INSURANCE:

The insurance limits required by the City are not represented as being sufficient to protect Provider. Provider is advised to consult Provider’s insurance broker to determine adequate coverage for Provider. The coverage and limits shall be (1) the minimum coverage and limits specified in this Agreement; or (2) the broader coverage and maximum limits of the coverage carried by or available to Provider; whichever is greater. g. EXCESS OR UMBRELLA LIABILITY:

If any Excess or Umbrella Liability policies are used to meet the limits of liability required by this Agreement, then said policies shall be true “following form” of the underlying policy coverage, terms, conditions, and provisions and shall meet all of the insurance requirements stated in this Agreement, including but not limited to, the additional insured, SIR, and primary insurance requirements stated therein. No insurance policies maintained by the indemnified parties or Additional Insureds, whether primary or excess, and which also apply to a loss covered hereunder, shall be called upon to contribute to a loss until all the primary and excess liability policies carried by or available to the Provider are exhausted. If a Provider is using an Excess Liability policy to supplement any insurance coverage required by this Agreement, they must submit the Excess Liability policy in full.

11. CONFLICT OF INTEREST:

Provider warrants that it is not a conflict of interest for Provider to perform the services required by this Agreement. Provider may be required to fill out a conflict of interest form if the services provided under this Agreement require Provider to make certain governmental decisions or serve in a staff capacity as defined in Title 2, Division 6, Section 18700 of the California Code of Regulations.

12. PROHIBITION AGAINST TRANSFERS:
a. Provider shall not assign, sublease, hypothecate, or transfer this Agreement, or any interest therein, directly or indirectly, by operation of law or otherwise, without prior written consent of the City Manager. Provider shall submit a written request for consent to transfer to the City Manager at least thirty (30) days in advance of the desired transfer. The City Manager or their designee may consent or reject such request in their sole and absolute discretion. Any attempt to do so without said consent shall be null and void, and any assignee, sublessee, hypothecate or transferee shall acquire no right or interest by reason of such attempted assignment, hypothecation or transfer. However, claims for money against the City under this Agreement may be assigned by Provider to a bank, trust company or other financial institution without prior written consent.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

b. The sale, assignment, transfer or other disposition of any of the issued and outstanding capital stock, membership interest, partnership interest, or the equivalent, which shall result in changing the control of Provider, shall be construed as an assignment of this Agreement. Control means fifty percent or more of the voting power of Provider. 13. APPROVAL OF SUB-PROVIDERS: a. Only those persons and/or businesses whose names and resumés are attached to this Agreement shall be used in the performance of this Agreement. However, if after the start of this Agreement, Provider wishes to use sub-providers, at no additional costs to the City, then Provider shall submit a written request for consent to add sub-providers including the names of the sub-providers and the reasons for the request to the City Manager at least five (5) days in advance. The City Manager may consent or reject such requests in their sole and absolute discretion. b. Each sub-provider shall be required to furnish proof of workers’ compensation insurance and shall also be required to carry general, automobile and professional liability insurance (as applicable) in reasonable conformity to the insurance carried by Provider. c. In addition, any tasks or services performed by sub-providers shall be subject to each provision of this Agreement. Provider shall include the following language in their agreement with any sub-provider: “Sub-providers hired by Provider agree to be bound to Provider and the City in the same manner and to the same extent as Provider is bound to the City.” d. The requirements in this Section 13 shall not apply to persons who are merely providing materials, supplies, data or information that Provider then analyzes and incorporates into its work product. 14. PERMITS AND LICENSES: Provider, at its sole expense, shall obtain and maintain during the term of this Agreement, all appropriate permits, certificates and licenses, including a City business license that may be required in connection with the performance of the services and tasks hereunder. 15. REPORTS: a. Each and every report, draft, work product, map, record and other document produced, prepared or caused to be prepared by Provider pursuant to or in connection with this Agreement shall be the exclusive property of the City. b. No report, information or other data given to or prepared or assembled by Provider pursuant to this Agreement shall be made available to any individual or organization by Provider without prior approval of the City Manager or their designee. c. Provider shall, at such time and in such form as City Manager or their designee may require, furnish reports concerning the status of services and tasks required under this Agreement. 16. RECORDS: a. Generally, the City has the right to conduct audits of Provider’s financial, performance and compliance records maintained in connection with Contractor’s operations and Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

services performed under the Agreement. In the event of such audit, Contractor agrees to provide the City with reasonable access to Contractor’s employees and make all such financial (including annual financial statements signed by an independent CPA), performance and compliance records available to the City. City agrees to provide Contractor an opportunity to discuss and respond to any findings before a final audit report is filed. b. Provider shall maintain complete and accurate records with respect to the services, tasks, work, documents and data in sufficient detail to permit an evaluation of Provider’s performance under the Agreement, as well as maintain books and records related to sales, costs, expenses, receipts and other such information required by the City that relate to the performance of the services and tasks under this Agreement (collectively the “Records”). c. All Records shall be maintained in accordance with generally accepted accounting principles and shall be clearly identified and readily accessible. Provider shall provide free access to the Records to the representatives of the City or its designees during regular business hours upon reasonable prior notice. The City has the right to examine and audit the Records, and to make copies or transcripts therefrom as necessary, and to allow inspection of all proceedings and activities related to this Agreement. Such Records, together with supporting documents, shall be kept separate from other documents and records and shall be maintained by Provider for a period of three (3) years after receipt of final payment. d. If supplemental examination or audit of the Records is necessary due to concerns raised by the City’s preliminary examination or audit of records, and the City’s supplemental examination or audit of the records discloses a failure to adhere to appropriate internal financial controls, or other breach of this Agreement or failure to act in good faith, then Provider shall reimburse the City for all reasonable costs and expenses associated with the supplemental examination or audit. 17. NOTICES: a. All notices shall be in writing and delivered: (i) by hand; or (ii) sent by registered, express, or certified mail, with return receipt requested or with delivery confirmation requested from the U.S. postal service; or (iii) sent by overnight or same day courier service at the party’s respective address listed in this Section. b. Each notice shall be deemed to have been received on the earlier to occur of: (x) actual delivery or the date on which delivery is refused; or (y) three (3) days after notice is deposited in the U.S. mail or with a courier service in the manner described above (Sundays and City holidays excepted). c. Either party may, at any time, change its notice address (other than to a post office box address) by giving the other party three (3) days prior written notice of the new address. d. All notices, demands, requests, or approvals from Provider to the City shall be addressed to the City at: City of Alameda Base Reuse and Economic Development Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

950 West Mall Square Suite 205 Alameda, CA 94501 ATTENTION: Dwayne Dalman Ph: (510) 747-6894/ Email: [email protected] e. All notices, demands, requests, or approvals from the City to Provider shall be addressed to Provider at: Jose Fernandez 1849 15th Avenue San Francisco, CA 94122 ATTENTION: Jose Fernandez Ph: 415-706-1407 / Email: [email protected] f. All updated insurance certificates from Provider to the City shall be addressed to the City at: City of Alameda Base Reuse and Economic Development 950 West Mall Square Suite 205 Alameda, CA 94501 ATTENTION: Jennifer Padilla Ph: (510) 747-6893 / [email protected] 18. SAFETY: a. Provider will be solely and completely responsible for conditions of all vehicles owned or operated by Provider, including the safety of all persons and property during performance of the services and tasks under this Agreement. This requirement will apply continuously and not be limited to normal working hours. In addition, Provider will comply with all safety provisions in conformance with U.S. Department of Labor Occupational Safety and Health Act, any equivalent state law, and all other applicable federal, state, county and local laws, ordinances, codes, and any regulations that may be detailed in other parts of the Agreement. Where any of these are in conflict, the more stringent requirements will be followed. Provider’s failure to thoroughly familiarize itself with the aforementioned safety provisions will not relieve it from compliance with the obligations and penalties set forth herein. b. Provider will immediately notify the City within 24 hours of any incident of death, serious personal injury or substantial property damage that occurs in connection with the performance of this Agreement. Provider will promptly submit to the City a written report of all incidents that occur in connection with this Agreement. This report must include the following information: (i) name and address of injured or deceased person(s); (ii) name and address of Provider’s employee(s) involved in the incident; (iii) name and address of Provider’s liability insurance carrier; (iv) a detailed description of the incident; and (v) a police report. 19. TERMINATION: a. In the event Provider fails or refuses to perform any of the provisions hereof at the time and in the manner required hereunder, Provider shall be deemed in default in the performance of this Agreement. If such default is not cured within two (2) business days after receipt by Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

Provider from the City of written notice of default, specifying the nature of such default and the steps necessary to cure such default, the City may thereafter immediately terminate the Agreement forthwith by giving to Provider written notice thereof. b. The foregoing notwithstanding, the City shall have the option, at its sole discretion and without cause, of terminating this Agreement by giving seven (7) days’ prior written notice to Provider as provided herein. c. Upon termination of this Agreement either for cause or for convenience, each party shall pay to the other party that portion of compensation specified in this Agreement that is earned and unpaid prior to the effective date of termination. The obligation of the parties under this Section 19.c. shall survive the expiration or early termination of this Agreement. 20. ATTORNEYS’ FEES: In the event of any litigation, including administrative proceedings, relating to this Agreement, including but not limited to any action or suit by any party, assignee or beneficiary against any other party, beneficiary or assignee, to enforce, interpret or seek relief from any provision or obligation arising out of this Agreement, the parties and litigants shall bear their own attorney’s fees and costs. No party or litigant shall be entitled to recover any attorneys’ fees or costs from any other party or litigant, regardless of which party or litigant might prevail. 21. HEALTH AND SAFETY REQUIREMENTS. Provider acknowledges that the City shall have the right to impose, at the City’s sole discretion, requirements that it deems are necessary to protect the health and safety of the City employees, residents, and visitors. Provider agrees to comply with all such requirements, including, but not limited to, mandatory vaccinations, the use of personal protective equipment (e.g. masks), physical distancing, and health screenings. Provider also agrees to make available to the City, at the City’s request, records to demonstrate Provider’s compliance with this Section. 22. COMPLIANCE WITH ALL APPLICABLE LAWS: During the term of this Agreement, Provider shall keep fully informed of all existing and future state and federal laws and all municipal ordinances and regulations of the City of Alameda which affect the manner in which the services or tasks are to be performed by Provider, as well as all such orders and decrees of bodies or tribunals having any jurisdiction or authority over the same. Provider shall comply with all applicable laws, state and federal and all ordinances, rules and regulations enacted or issued by the City. Provider shall defend, indemnify, and hold City (including its officials, directors, officers, employees, and agents) free and harmless from any claim or liability arising out of any failure or alleged failure to comply with such laws and regulations pursuant to the indemnification provisions of this Agreement. 23. CONFLICT OF LAW: This Agreement shall be interpreted under, and enforced by the laws of the State of California without regard to any choice of law rules which may direct the application of laws of another jurisdiction. The Agreement and obligations of the parties are subject to all valid laws, orders, rules, and regulations of the authorities having jurisdiction over this Agreement (or the Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

successors of those authorities). Any suits brought pursuant to this Agreement shall be filed with the courts of the County of Alameda, State of California. 24. WAIVER: A waiver by the City of any breach of any term, covenant, or condition contained herein shall not be deemed to be a waiver of any subsequent breach of the same or any other term, covenant, or condition contained herein, whether of the same or a different character. 25. INTEGRATED CONTRACT: Subject to the language of Section 30, the Recitals and exhibits are a material part of this Agreement and are expressly incorporated herein. This Agreement represents the full and complete understanding of every kind or nature whatsoever between the parties hereto, and all preliminary negotiations and agreements of whatsoever kind or nature are merged herein. No verbal agreement or implied covenant shall be held to vary the provisions hereof. Any modification of this Agreement will be effective only by written execution signed by both the City and Provider. 26. PREVAILING WAGES: Provider is aware of the requirements of California Labor Code Section 1720, et seq., and 1770, et seq. as well as California Code of Regulations, Title 8, Section 1600, et seq., (“Prevailing Wage Laws”) which require the payment of prevailing wage rates and the performance of other requirements on “public works” and “maintenance” projects. Provider agrees to fully comply with such Prevailing Wage Laws if the services are being performed as part of an applicable “public works” or “maintenance” project as defined by the Prevailing Wage Laws and if the total compensation is $1,000 or more. City, upon Provider’s request, shall provide Provider with a copy of the prevailing rates of per diem wages in effect at the commencement of this Agreement. Provider shall make copies of the prevailing rates of per diem wages for each craft, classification, or type of worker needed to execute the services available to interested parties upon request; and shall post copies at the Provider’s principal place of business and at the project site. Provider shall defend, indemnify, and hold the City (its elected officials, officers, employees, and agents) free and harmless from any claim or liability arising out of any failure or alleged failure to comply with the Prevailing Wage Laws. 27. CAPTIONS: The captions in this Agreement are for convenience only, are not a part of the Agreement and in no way affect, limit or amplify the terms or provisions of this Agreement. 28. COUNTERPARTS: This Agreement may be executed in any number of counterparts (including by fax, PDF, DocuSign, or other electronic means), each of which shall be deemed an original, but all of which shall constitute one and the same instrument. 29. SIGNATORY:

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

By signing this Agreement, signatory warrants and represents that they executed this Agreement in their authorized capacity and that by their signature on this Agreement, they or the entity upon behalf of which they acted, executed this Agreement. 30. CONTROLLING AGREEMENT: In the event of a conflict between the terms and conditions of this Agreement (as amended, supplemented, restated or otherwise modified from time to time) and any other terms and conditions wherever contained, including, without limitation, terms and conditions included within exhibits, the terms and conditions of this Agreement shall control and be primary. [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK] Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 IN WITNESS WHEREOF, the parties have each caused this Agreement to be duly executed on its behalf as of the Effective Date.

JOSE FERNANDEZ
a sole pro�r/individual
Jose Fernan 7z
Owner

CITY OF ALAMEDA
a municipal corporation
Adam W. Politzer
Interim City Manager

RECOMMENDED FOR APPROVAL
Dwayne Dalman
Acting Director, Base Reuse and
Economic Development Department
APPROVED AS TO FORM:

City Attorney
Len Aslanian
Assistant City Attorney
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

JOSE FERNANDEZ
Estimate
Exhibit A
1849 15TH AVE

SAN FRANCISCO, CA
94122
www.jose-design.com
TO:

JENNIFER PADILLA
Base Reuse and Economic Development
Department
City of Alameda

ITEM DESCRIPTION HOURS PRICE

GRAPHIC DESIGN

PRODUCTION OF PRINTED

AND DIGITAL MATERIALS

FOR THE CITY OF ALAMEDA
All production and development of designed
materials.
300 $29,750.00
TOTAL ESTIMATE $29,750.00
THURSDAY, MAY 21, 2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Declarations Page
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 HISCOX INSURANCE COMPANY INC. (A Stock Company)
30 North LaSalle Street, Suite 1760, Chicago, IL 60602
CGL D001 10 18 Includes copyrighted material of Insurance Services Office, Inc., with its permission. © ISO Properties, Inc., 2000

Commercial General Liability Declarations
In return for the payment of the premium, and subject to all the terms of this Policy, we agree with you to provide the insurance as stated in this Policy.

Declaration effective from: April 30, 2026
Policy No.: P100.236.644.8
Renewal of: P100.236.644.7
Named Insured: Jose Fernandez
Address: 1849 15th Ave
San Francisco, CA 94122
Email Address: [email protected]
Policy period: From: April 30, 2026 To: April 30, 2027
At 12:01 A.M. (Standard Time) at the address shown above.

Form of Business: Sole Proprietor
Each Occurrence Limit: $1,000,000
Damage to Premises Rented to You Limit: $100,000 Any one premises Medical Expense Limit: $5,000 Any one person
Personal & Advertising Injury Limit: $0 Any one person or organization General Aggregate Limit: $2,000,000
Products/Completed Operations
Aggregate Limit:

Products-completed operations are subject to the General Aggregate Limit Supplemental Business Personal Property Floater
Coverage Limit:
$0
Supplemental Business Personal Property Floater
Coverage Deductible:

Not Applicable
All Premises You Own, Rent or Occupy
Premises Number:
1 Address: 2263 Santa Clara Ave
Alameda, CA 94501
Premises Number:
2 Address: 1849 15th Ave
San Francisco, CA 94122
Total Premium: 416.00
Attachments: See attached Forms and Endorsements Schedule.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

HISCOX INSURANCE COMPANY INC. (A Stock Company)
30 North LaSalle Street, Suite 1760, Chicago, IL 60602
CGL D001 10 18 Includes copyrighted material of Insurance Services Office, Inc., with its permission. © ISO Properties, Inc., 2000

IN WITNESS WHEREOF, the Insurer indicated above has caused this Policy to be signed by its President and Secretary, but this Policy shall not be effective unless also signed by the Insurer's duly authorized representative.

President
Secretary
Authorized Representative
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 HISCOX INSURANCE COMPANY INC. (A Stock Company)
30 North LaSalle Street, Suite 1760, Chicago, IL 60602
INT D001 01 10 Page 1 of 1
Forms and Endorsements Schedule
Forms and Endorsements made part of this policy at time of issue:

CGL D001 10 18 - Commercial General Liability Declarations INT D001 01 10 - Forms and Endorsements Schedule
CG 00 01 12 07 - General Liability Coverage Form
CGL E5401 CW (03/10) - Definition of Employee
CGL E5403 CW (03/10) - Notice Information
CGL E5404 CW (03/10) - Exclusion - Personal Information CGL E5407 CW (03/10) - Exclusion - Professional Services CGL E5408 CW (03/10) - Cancellation Provision (14 Day Full Refund) CGL E5409 CW (03/10) - Right and Duty to Select Defense Counsel CGL E5421 CW (02/14) - Additional Insured - Automatic Status IL 00 17 11 98 - Common Policy Conditions
IL 00 21 09 08 - Nuclear Energy Liability Exclusion Endorsement (Broad Form) CG 00 68 05 09 - Recording and Distribution of Material or Information in Violation of Law Exclusion CG 21 41 11 85 - Exclusion - Intercompany Products Suits CG 04 37 12 04 - Electronic Data Liability
CG 21 38 11 85 - Exclusion - Personal and Advertising Injury CGL E2221 CW (10/23) - Exclusion - Privacy and Cyber Incidents IL 02 70 09 08 - California Changes - Cancellation and Nonrenewal CG 32 34 01 05 - California Changes
CGL E5581 CW (03/16) - Primary and Noncontributory - Other Insurance Condition CGL E5402 CW (03/10) - Modified Waiver of Transfer of Rights of Recovery Against Others To Us CG 21 73 01 15 - Exclusion Of Certified Acts Of Terrorism CGL E5405 CW (03/10) - Exclusion - Damage to Primary Residence CG 20 26 07 04 - Additional Insured - Designated Person or Organization CGL E1954 CW (05/20) - Asbestos - Exclusion
CGL E1975 CW (05/20) - Limitation of Coverage to Business Operations CG 21 32 05 09 - Communicable Disease Exclusion
CGL E2227 CW (03/23) - Amended War Exclusion
CGL E2225 CW (01/23) - Cannabis Exclusion
CGL E1952 CW (05/20) - Exclusion - Anti-Stacking
CG 40 32 05 23 - Exclusion - Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS) CG 21 96 03 05 - Silica or Silica-Related Dust Exclusion INT N003 CW (01/19) - Policyholder Notice Electronic Delivery INT N001 CW (01/09) - Economic And Trade Sanctions Policyholder Notice Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Policy Wording
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

COMMERCIAL GENERAL LIABILITY
CG 00 01 12 07
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6 Page 1 of 16 †

COMMERCIAL GENERAL LIABILITY COVERAGE FORM
Various provisions in this policy restrict coverage.

Read the entire policy carefully to determine rights,
duties and what is and is not covered.

Throughout this policy the words "you" and "your"
refer to the Named Insured shown in the Declarations,
and any other person or organization qualifying as a
Named Insured under this policy. The words "we",
"us" and "our" refer to the company providing this
insurance.

The word "insured" means any person or organization
qualifying as such under Section II – Who Is An In-
sured.

Other words and phrases that appear in quotation
marks have special meaning. Refer to Section V –
Definitions.

SECTION I – COVERAGES

COVERAGE A BODILY INJURY AND PROPERTY

DAMAGE LIABILITY

1. Insuring Agreement
a. We will pay those sums that the insured be-
comes legally obligated to pay as damages
because of "bodily injury" or "property damage"
to which this insurance applies. We will have
the right and duty to defend the insured against
any "suit" seeking those damages. However,
we will have no duty to defend the insured
against any "suit" seeking damages for "bodily
injury" or "property damage" to which this in-
surance does not apply. We may, at our discre-
tion, investigate any "occurrence" and settle
any claim or "suit" that may result. But:
(1) The amount we will pay for damages is
limited as described in Section III – Limits
Of Insurance; and
(2) Our right and duty to defend ends when we
have used up the applic able limit of insur-
ance in the payment of judgments or set-
tlements under Coverages A or B or medi-
cal expenses under Coverage C.

No other obligation or liability to pay sums or
perform acts or services is covered unless ex-
plicitly provided for under Supplementary Pay-
ments – Coverages A and B.
b. This insurance applies to "bodily injury" and
"property damage" only if:
(1) The "bodily injury" or "property damage" is
caused by an "occurrence" that takes place
in the "coverage territory";
(2) The "bodily injury" or "property damage"
occurs during the policy period; and
(3) Prior to the policy period, no insured listed
under Paragraph 1. of Section II – Who Is
An Insured and no "employee" authorized
by you to give or receive notice of an "oc-
currence" or claim, knew that the "bodily in-
jury" or "property damage" had occurred, in
whole or in part. If such a listed insured or
authorized "employee" knew, prior to the
policy period, that the "bodily injury" or
"property damage" occurred, then any con-
tinuation, change or resumption of such
"bodily injury" or "property damage" during
or after the policy period will be deemed to
have been known prior to the policy period.
c. "Bodily injury" or "property damage" which
occurs during the policy period and was not,
prior to the policy period, known to have oc-
curred by any insured listed under Paragraph

1. of Section II – Who Is An Insured or any
"employee" authorized by you to give or re-
ceive notice of an "occurrence" or claim, in-
cludes any continuation, change or resumption
of that "bodily injury" or "property damage" af-
ter the end of the policy period.
d. "Bodily injury" or "property damage" will be
deemed to have been known to have occurred
at the earliest time when any insured listed un-
der Paragraph 1. of Section II – Who Is An In-
sured or any "employee" authorized by you to
give or receive notice of an "occurrence" or
claim:
(1) Reports all, or any part, of the "bodily injury"
or "property damage" to us or any other in-
surer;
(2) Receives a written or verbal demand or
claim for damages because of the "bodily
injury" or "property damage"; or
(3) Becomes aware by any other means that
"bodily injury" or "property damage" has oc-
curred or has begun to occur.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

e. Damages because of "bodily injury" include
damages claimed by any person or organiza-
tion for care, loss of services or death resulting
at any time from the "bodily injury".

2. Exclusions
This insurance does not apply to:
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"
resulting from the use of reasonable force to
protect persons or property.
b. Contractual Liability
"Bodily injury" or "property damage" for which
the insured is obligated to pay damages by
reason of the assumption of liability in a con-
tract or agreement. This exclusion does not
apply to liability for damages:
(1) That the insured would have in the absence
of the contract or agreement; or
(2) Assumed in a contract or agreement that is
an "insured contract", provided the "bodily
injury" or "property damage" occurs subse-
quent to the execution of the contract or
agreement. Solely for the purposes of liabil-
ity assumed in an "insured contract", rea-
sonable attorney fees and necessary litiga-
tion expenses incurred by or for a party
other than an insured are deemed to be
damages because of "bodily injury" or
"property damage", provided:
(a) Liability to such party for, or for the cost
of, that party's defense has also been
assumed in the same "insured contract";
and
(b) Such attorney fees and litigation ex-
penses are for defense of that party
against a civil or alternative dispute
resolution proceeding in which damages
to which this insurance applies are al-
leged.
c. Liquor Liability
"Bodily injury" or "property damage" for which
any insured may be held liable by reason of:
(1) Causing or contributing to the intoxication of
any person;
(2) The furnishing of alcoholic beverages to a
person under the legal drinking age or un-
der the influence of alcohol; or
(3) Any statute, ordinance or regulation relating
to the sale, gift, distribution or use of alco-
holic beverages.

This exclusion applies only if you are in the
business of manufacturing, distributing, selling,
serving or furnishing alcoholic beverages.
d. Workers' Compensation And Similar Laws
Any obligation of the insured under a workers'
compensation, disability benefits or unem-
ployment compensation law or any similar law.
e. Employer's Liability
"Bodily injury" to:
(1) An "employee" of the insured arising out of
and in the course of:
(a) Employment by the insured; or
(b) Performing duties related to the conduct
of the insured's business; or
(2) The spouse, child, parent, brother or sister
of that "employee" as a consequence of
Paragraph (1) above.

This exclusion applies whether the insured
may be liable as an employer or in any other
capacity and to any obligation to share dam-
ages with or repay someone else who must
pay damages because of the injury.

This exclusion does not apply to liability as-
sumed by the insured under an "insured con-
tract".

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CG 00 01 12 07 © ISO Properties, Inc., 2006 Page 3 of 16 †

f. Pollution
(1) "Bodily injury" or "property damage" arising
out of the actual, alleged or threatened dis-
charge, dispersal, seepage, migration, re-
lease or escape of "pollutants":
(a) At or from any premises, site or location
which is or was at any time owned or
occupied by, or rented or loaned to, any
insured. However, this subparagraph
does not apply to:
(i) "Bodily injury" if sustained within a
building and caused by smoke,
fumes, vapor or soot produced by or
originating from equipment that is
used to heat, cool or dehumidify the
building, or equipment that is used to
heat water for personal use, by the
building's occupants or their guests;
(ii) "Bodily injury" or "property damage"
for which you may be held liable, if
you are a contractor and the owner
or lessee of such premises, site or
location has been added to your pol-
icy as an additional insured with re-
spect to your ongoing operations
performed for that additional insured
at that premises, site or location and
such premises, site or location is not
and never was owned or occupied
by, or rented or loaned to, any in-
sured, other than that additional in-
sured; or
(iii) "Bodily injury" or "property damage"
arising out of heat, smoke or fumes
from a "hostile fire";
(b) At or from any premises, site or location
which is or was at any time used by or
for any insured or others for the han-
dling, storage, disposal, processing or
treatment of waste;
(c) Which are or were at any time trans-
ported, handled, stored, treated, dis-
posed of, or processed as waste by or
for:
(i) Any insured; or
(ii) Any person or organization for whom
you may be legally responsible; or
(d) At or from any premises, site or location
on which any insured or any contractors
or subcontractors working directly or in-
directly on any insured's behalf are per-
forming operations if the "pollutants" are
brought on or to the premises, site or lo-
cation in connection with such opera-
tions by such insured, contractor or sub-
contractor. However, this subparagraph
does not apply to:
(i) "Bodily injury" or "property damage"
arising out of the escape of fuels, lu-
bricants or other operating fluids
which are needed to perform the
normal electrical, hydraulic or me-
chanical functions necessary for the
operation of "mobile equipment" or
its parts, if such fuels, lubricants or
other operating fluids escape from a
vehicle part designed to hold, store
or receive them. This exception does
not apply if the "bodily injury" or
"property damage" arises out of the
intentional discharge, dispersal or re-
lease of the fuels, lubricants or other
operating fluids, or if such fuels, lu-
bricants or other operating fluids are
brought on or to the premises, site or
location with the intent that they be
discharged, dispersed or released as
part of the operations being per-
formed by such insured, contractor
or subcontractor;
(ii) "Bodily injury" or "property damage"
sustained within a building and
caused by the release of gases,
fumes or vapors from materials
brought into that building in connec-
tion with operations being performed
by you or on your behalf by a con-
tractor or subcontractor; or
(iii) "Bodily injury" or "property damage"
arising out of heat, smoke or fumes
from a "hostile fire".
(e) At or from any premises, site or location
on which any insured or any contractors
or subcontractors working directly or in-
directly on any insured's behalf are per-
forming operations if the operations are
to test for, monitor, clean up, remove,
contain, treat, detoxify or neutralize, or
in any way respond to, or assess the ef-
fects of, "pollutants".

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

(2) Any loss, cost or expense arising out of
any:
(a) Request, demand, order or statutory or
regulatory requirement that any insured
or others test for, monitor, clean up, re-
move, contain, treat, detoxify or neutral-
ize, or in any way respond to, or assess
the effects of, "pollutants"; or
(b) Claim or "suit" by or on behalf of a gov-
ernmental authority for damages be-
cause of testing for, monitoring, cleaning
up, removing, containing, treating, de-
toxifying or neutralizing, or in any way
responding to, or assessing the effects
of, "pollutants".

However, this paragraph does not apply to
liability for damages be cause of "property
damage" that the insured would have in the
absence of such request, demand, order or
statutory or regulatory requirement, or such
claim or "suit" by or on behalf of a govern-
mental authority.
g. Aircraft, Auto Or Watercraft
"Bodily injury" or "property damage" arising out
of the ownership, maintenance, use or en-
trustment to others of any aircraft, "auto" or wa-
tercraft owned or operated by or rented or
loaned to any insured. Use includes operation
and "loading or unloading".

This exclusion applies even if the claims
against any insured allege negligence or other
wrongdoing in the supervision, hiring, employ-
ment, training or monitoring of others by that
insured, if the "occurrence" which caused the
"bodily injury" or "property damage" involved
the ownership, maintenance, use or entrust-
ment to others of any aircraft, "auto" or water-
craft that is owned or operated by or rented or
loaned to any insured.

This exclusion does not apply to:
(1) A watercraft while ashore on premises you
own or rent;
(2) A watercraft you do not own that is:
(a) Less than 26 feet long; and
(b) Not being used to carry persons or
property for a charge;
(3) Parking an "auto" on, or on the ways next
to, premises you own or rent, provided the
"auto" is not owned by or rented or loaned
to you or the insured;
(4) Liability assumed under any "insured con-
tract" for the ownership, maintenance or
use of aircraft or watercraft; or
(5) "Bodily injury" or "property damage" arising
out of:
(a) The operation of machinery or equip-
ment that is attached to, or part of, a
land vehicle that would qualify under the
definition of "mobile equipment" if it were
not subject to a compulsory or financial
responsibility law or other motor vehicle
insurance law in the state where it is li-
censed or principally garaged; or
(b) the operation of any of the machinery or
equipment listed in Paragraph f.(2) or
f.(3) of the definition of "mobile equip-
ment".
h. Mobile Equipment
"Bodily injury" or "property damage" arising out
of:
(1) The transportation of "mobile equipment" by
an "auto" owned or operated by or rented or
loaned to any insured; or
(2) The use of "mobile equipment" in, or while
in practice for, or while being prepared for,
any prearranged racing, speed, demolition,
or stunting activity.
i. War
"Bodily injury" or "property damage", however
caused, arising, directly or indirectly, out of:
(1) War, including undeclared or civil war;
(2) Warlike action by a m ilitary force, including
action in hindering or defending against an
actual or expected attack, by any govern-
ment, sovereign or other authority using
military personnel or other agents; or

(3) Insurrection, rebellion, revolution, usurped
power, or action taken by governmental au-
thority in hindering or defending against any
of these.
j. Damage To Property
"Property damage" to:
(1) Property you own, rent, or occupy, including
any costs or expenses incurred by you, or
any other person, organization or entity, for
repair, replacement, enhancement, restora-
tion or maintenance of such property for
any reason, including prevention of injury to
a person or damage to another's property;
(2) Premises you sell, give away or abandon, if
the "property damage" arises out of any
part of those premises;
(3) Property loaned to you;
(4) Personal property in the care, custody or
control of the insured;
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CG 00 01 12 07 © ISO Properties, Inc., 2006 Page 5 of 16 †

(5) That particular part of real property on
which you or any contractors or subcontrac-
tors working directly or indirectly on your
behalf are performing operations, if the
"property damage" arises out of those op-
erations; or
(6) That particular part of any property that
must be restored, repaired or replaced be-
cause "your work" was incorrectly per-
formed on it.

Paragraphs (1), (3) and (4) of this exclusion do
not apply to "property damage" (other than
damage by fire) to premises, including the con-
tents of such premises, rented to you for a pe-
riod of 7 or fewer consecutive days. A separate
limit of insurance applie s to Damage To Prem-
ises Rented To You as described in Section III
– Limits Of Insurance.

Paragraph (2) of this exclusion does not apply
if the premises are "your work" and were never
occupied, rented or held for rental by you.

Paragraphs (3), (4), (5) and (6) of this exclu-
sion do not apply to liability assumed under a
sidetrack agreement.

Paragraph (6) of this exclusion does not apply
to "property damage" included in the "products-
completed operations hazard".
k. Damage To Your Product
"Property damage" to "your product" arising out
of it or any part of it.
l. Damage To Your Work
"Property damage" to "your work" arising out of
it or any part of it and included in the "products-
completed operations hazard".

This exclusion does not apply if the damaged
work or the work out of which the damage
arises was performed on your behalf by a sub-
contractor.
m. Damage To Impaired Property Or Property
Not Physically Injured
"Property damage" to "impaired property" or
property that has not been physically injured,
arising out of:
(1) A defect, deficiency, inadequacy or danger-
ous condition in "your product" or "your
work"; or
(2) A delay or failure by you or anyone acting
on your behalf to perform a contract or
agreement in accordance with its terms.

This exclusion does not apply to the loss of use
of other property arising out of sudden and ac-
cidental physical injury to "your product" or
"your work" after it has been put to its intended
use.
n. Recall Of Products, Work Or Impaired
Property
Damages claimed for any loss, cost or ex-
pense incurred by you or others for the loss of
use, withdrawal, recall, inspection, repair, re-
placement, adjustment, removal or disposal of:
(1) "Your product";
(2) "Your work"; or
(3) "Impaired property";
if such product, work, or property is withdrawn
or recalled from the market or from use by any
person or organization because of a known or
suspected defect, deficiency, inadequacy or
dangerous condition in it.
o. Personal And Advertising Injury
"Bodily injury" arising out of "personal and ad-
vertising injury".
p. Electronic Data
Damages arising out of the loss of, loss of use
of, damage to, corruption of, inability to access,
or inability to manipulate electronic data.

As used in this exclusion, 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.
q. Distribution Of Material In Violation Of
Statutes
"Bodily injury" or "property damage" arising di-
rectly or indirectly out of any action or omission
that violates or is alleged to violate:
(1) The Telephone Consumer Protection Act
(TCPA), including any amendment of or
addition to such law; or
(2) The CAN-SPAM Act of 2003, including any
amendment of or addition to such law; or
(3) Any statute, ordinance or regulation, other
than the TCPA or CAN-SPAM Act of 2003,
that prohibits or limits the sending, transmit-
ting, communicating or distribution of mate-
rial or information.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

Exclusions c. through n. do not apply to damage
by fire to premises while rented to you or tempo-
rarily occupied by you with permission of the
owner. A separate limit of insurance applies to this
coverage as described in Section III – Limits Of
Insurance.

COVERAGE B PERSONAL AND ADVERTISING

INJURY LIABILITY

1. Insuring Agreement
a. We will pay those sums that the insured be-
comes legally obligated to pay as damages
because of "personal and advertising injury" to
which this insurance applies. We will have the
right and duty to defend the insured against
any "suit" seeking those damages. However,
we will have no duty to defend the insured
against any "suit" seeking damages for "per-
sonal and advertising inju ry" to which this in-
surance does not apply. We may, at our discre-
tion, investigate any offense and settle any
claim or "suit" that may result. But:
(1) The amount we will pay for damages is
limited as described in Section III – Limits
Of Insurance; and
(2) Our right and duty to defend end when we
have used up the applic able limit of insur-
ance in the payment of judgments or set-
tlements under Coverages A or B or medi-
cal expenses under Coverage C.

No other obligation or liability to pay sums or
perform acts or services is covered unless ex-
plicitly provided for under Supplementary Pay-
ments – Coverages A and B.
b. This insurance applies to "personal and adver-
tising injury" caused by an offense arising out
of your business but only if the offense was
committed in the "coverage territory" during the
policy period.

2. Exclusions
This insurance does not apply to:
a. Knowing Violation Of Rights Of Another
"Personal and advertising injury" caused by or
at the direction of the insured with the knowl-
edge that the act would violate the rights of an-
other and would inflict "personal and advertis-
ing injury".
b. Material Published With Knowledge Of
Falsity
"Personal and advertising injury" arising out of
oral or written publication of material, if done by
or at the direction of the insured with knowl-
edge of its falsity.
c. Material Published Prior To Policy Period
"Personal and advertising injury" arising out of
oral or written publication of material whose
first publication took place before the beginning
of the policy period.
d. Criminal Acts
"Personal and advertising injury" arising out of
a criminal act committed by or at the direction
of the insured.
e. Contractual Liability
"Personal and advertising injury" for which the
insured has assumed liab ility in a contract or
agreement. This exclusion does not apply to li-
ability for damages that the insured would have
in the absence of the contract or agreement.
f. Breach Of Contract
"Personal and advertising injury" arising out of
a breach of contract, except an implied con-
tract to use another's advertising idea in your
"advertisement".
g. Quality Or Performance Of Goods – Failure
To Conform To Statements
"Personal and advertising injury" arising out of
the failure of goods, products or services to
conform with any statement of quality or per-
formance made in your "advertisement".
h. Wrong Description Of Prices
"Personal and advertising injury" arising out of
the wrong description of the price of goods,
products or services stated in your "advertise-
ment".
i. Infringement Of Copyright, Patent,
Trademark Or Trade Secret
"Personal and advertising injury" arising out of
the infringement of copyright, patent, trade-
mark, trade secret or other intellectual property
rights. Under this exclusion, such other intellec-
tual property rights do not include the use of
another's advertising idea in your "advertise-
ment".

However, this exclusion does not apply to in-
fringement, in your "advertisement", of copy-
right, trade dress or slogan.
j. Insureds In Media And Internet Type
Businesses
"Personal and advertising injury" committed by
an insured whose business is:
(1) Advertising, broadcasting, publishing or
telecasting;
(2) Designing or determining content of web-
sites for others; or
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(3) An Internet search, access, content or
service provider.

However, this exclusion does not apply to
Paragraphs 14.a., b. and c. of "personal and
advertising injury" under the Definitions Sec-
tion.

For the purposes of this exclusion, the placing
of frames, borders or links, or advertising, for
you or others anywhere on the Internet, is not
by itself, considered the business of advertis-
ing, broadcasting, publishing or telecasting.
k. Electronic Chatrooms Or Bulletin Boards
"Personal and advertising injury" arising out of
an electronic chatroom or bulletin board the in-
sured hosts, owns, or over which the insured
exercises control.
l. Unauthorized Use Of Another's Name Or
Product
"Personal and advertising injury" arising out of
the unauthorized use of another's name or
product in your e-mail address, domain name
or metatag, or any other similar tactics to mis-
lead another's potential customers.
m. Pollution
"Personal and advertising injury" arising out of
the actual, alleged or threatened discharge,
dispersal, seepage, migration, release or es-
cape of "pollutants" at any time.
n. Pollution-Related
Any loss, cost or expense arising out of any:
(1) Request, demand, order or statutory or
regulatory requirement that any insured or
others test for, monitor, clean up, remove,
contain, treat, detoxify or neutralize, or in
any way respond to, or assess the effects
of, "pollutants"; or
(2) Claim or suit by or on behalf of a govern-
mental authority for damages because of
testing for, monitoring, cleaning up, remov-
ing, containing, treating, detoxifying or neu-
tralizing, or in any way responding to, or
assessing the effects of, "pollutants".
o. War
"Personal and advertisi ng injury", however
caused, arising, directly or indirectly, out of:
(1) War, including undeclared or civil war;
(2) Warlike action by a m ilitary force, including
action in hindering or defending against an
actual or expected attack, by any govern-
ment, sovereign or other authority using
military personnel or other agents; or
(3) Insurrection, rebellion, revolution, usurped
power, or action taken by governmental au-
thority in hindering or defending against any
of these.
p. Distribution Of Material In Violation Of
Statutes
"Personal and advertising injury" arising di-
rectly or indirectly out of any action or omission
that violates or is alleged to violate:
(1) The Telephone Consumer Protection Act
(TCPA), including any amendment of or
addition to such law; or
(2) The CAN-SPAM Act of 2003, including any
amendment of or addition to such law; or
(3) Any statute, ordinance or regulation, other
than the TCPA or CAN-SPAM Act of 2003,
that prohibits or limits the sending, transmit-
ting, communicating or distribution of mate-
rial or information.

COVERAGE C MEDICAL PAYMENTS

1. Insuring Agreement
a. We will pay medical expenses as described
below for "bodily injury" caused by an accident:
(1) On premises you own or rent;
(2) On ways next to premises you own or rent;
or
(3) Because of your operations;
provided that:
(a) The accident takes place in the "cover-
age territory" and during the policy pe-
riod;
(b) The expenses are incurred and reported
to us within one year of the date of the
accident; and
(c) The injured person submits to examina-
tion, at our expense, by physicians of
our choice as often as we reasonably
require.
b. We will make these payments regardless of
fault. These payments will not exceed the ap-
plicable limit of insura nce. We will pay reason-
able expenses for:
(1) First aid administered at the time of an
accident;
(2) Necessary medical, surgical, x-ray and
dental services, including prosthetic de-
vices; and
(3) Necessary ambulance, hospital, profes-
sional nursing and funeral services.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

2. Exclusions
We will not pay expenses for "bodily injury":
a. Any Insured
To any insured, except "volunteer workers".
b. Hired Person
To a person hired to do work for or on behalf of
any insured or a tenant of any insured.
c. Injury On Normally Occupied Premises
To a person injured on that part of premises
you own or rent that t he person normally occu-
pies.
d. Workers Compensation And Similar Laws
To a person, whether or not an "employee" of
any insured, if benefits for the "bodily injury"
are payable or must be provided under a work-
ers' compensation or disability benefits law or a
similar law.
e. Athletics Activities
To a person injured while practicing, instructing
or participating in any physical exercises or
games, sports, or athletic contests.
f. Products-Completed Operations Hazard
Included within the "products-completed opera-
tions hazard".
g. Coverage A Exclusions
Excluded under Coverage A.

SUPPLEMENTARY PAYMENTS – COVERAGES A
AND B

1. We will pay, with respect to any claim we investi-
gate or settle, or any "suit" against an insured we
defend:
a. All expenses we incur.
b. Up to $250 for cost of bail bonds required
because of accidents or traffic law violations
arising out of the use of any vehicle to which
the Bodily Injury Liability Coverage applies. We
do not have to furnish these bonds.
c. The cost of bonds to release attachments, but
only for bond amounts within the applicable
limit of insurance. We do not have to furnish
these bonds.
d. All reasonable expenses incurred by the in-
sured at our request to assist us in the investi-
gation or defense of the claim or "suit", includ-
ing actual loss of earnings up to $250 a day
because of time off from work.
e. All court costs taxed against the insured in the
"suit". However, these payments do not include
attorneys' fees or attorneys' expenses taxed
against the insured.
f. Prejudgment interest awarded against the
insured on that part of the judgment we pay. If
we make an offer to pay the applicable limit of
insurance, we will not pay any prejudgment in-
terest based on that period of time after the of-
fer.
g. All interest on the full amount of any judgment
that accrues after entry of the judgment and
before we have paid, offered to pay, or depos-
ited in court the part of the judgment that is
within the applicable limit of insurance.

These payments will not reduce the limits of insur-
ance.

2. If we defend an insured against a "suit" and an
indemnitee of the insured is also named as a party
to the "suit", we will defend that indemnitee if all of the following conditions are met:
a. The "suit" against the indemnitee seeks dam-
ages for which the insured has assumed the li-
ability of the indemnitee in a contract or agree-
ment that is an "insured contract";
b. This insurance applies to such liability as-
sumed by the insured;
c. The obligation to defend, or the cost of the
defense of, that indemnitee, has also been as-
sumed by the insured in the same "insured
contract";
d. The allegations in the "suit" and the information
we know about the "occurrence" are such that
no conflict appears to exist between the inter-
ests of the insured and the interests of the in-
demnitee;
e. The indemnitee and the insured ask us to
conduct and control the defense of that indem-
nitee against such "suit" and agree that we can
assign the same counsel to defend the insured
and the indemnitee; and
f. The indemnitee:
(1) Agrees in writing to:
(a) Cooperate with us in the investigation,
settlement or defense of the "suit";
(b) Immediately send us copies of any
demands, notices, summonses or legal
papers received in connection with the
"suit";
(c) Notify any other insurer whose coverage
is available to the indemnitee; and
(d) Cooperate with us with respect to coor-
dinating other applicable insurance
available to the indemnitee; and
(2) Provides us with written authorization to:
(a) Obtain records and other information
related to the "suit"; and
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(b) Conduct and control the defense of the
indemnitee in such "suit".

So long as the above conditions are met, attor-
neys' fees incurred by us in the defense of that in-
demnitee, necessary litigation expenses incurred
by us and necessary litigation expenses incurred
by the indemnitee at our request will be paid as
Supplementary Payments. Notwithstanding the
provisions of Paragraph 2.b.(2) of Section I – Cov-
erage A – Bodily Injury And Property Damage Li-
ability, such payments wi ll not be deemed to be
damages for "bodily injury" and "property damage"
and will not reduce the limits of insurance.

Our obligation to defend an insured's indemnitee
and to pay for attorneys' fees and necessary litiga-
tion expenses as Supplementary Payments ends
when we have used up the applicable limit of in-
surance in the payment of judgments or settle-
ments or the conditions set forth above, or the
terms of the agreement described in Paragraph f.
above, are no longer met.

SECTION II – WHO IS AN INSURED

1. If you are designated in the Declarations as:
a. An individual, you and your spouse are insur-
eds, but only with respect to the conduct of a
business of which you are the sole owner.
b. A partnership or joint venture, you are an in-
sured. Your members, your partners, and their
spouses are also insureds, but only with re-
spect to the conduct of your business.
c. A limited liability company, you are an insured.

Your members are also insureds, but only with
respect to the conduct of your business. Your
managers are insureds, but only with respect
to their duties as your managers.
d. An organization other than a partnership, joint
venture or limited liab ility company, you are an
insured. Your "executive officers" and directors
are insureds, but only with respect to their du-
ties as your officers or directors. Your stock-
holders are also insureds, but only with respect
to their liability as stockholders.
e. A trust, you are an insured. Your trustees are
also insureds, but only with respect to their du-
ties as trustees.

2. Each of the following is also an insured:
a. Your "volunteer workers" only while performing
duties related to the conduct of your business,
or your "employees", other than either your
"executive officers" (if you are an organization
other than a partnership, joint venture or limited
liability company) or your managers (if you are
a limited liability company), but only for acts
within the scope of their employment by you or
while performing duties related to the conduct
of your business. However, none of these "em-
ployees" or "volunteer workers" are insureds
for:
(1) "Bodily injury" or "personal and advertising
injury":
(a) To you, to your partners or members (if
you are a partnership or joint venture),
to your members (if you are a limited li-
ability company), to a co-"employee"
while in the course of his or her em-
ployment or performing duties related to
the conduct of your business, or to your
other "volunteer workers" while perform-
ing duties related to the conduct of your
business;
(b) To the spouse, child, parent, brother or
sister of that co-"employee" or "volun-
teer worker" as a consequence of Para-
graph (1)(a) above;
(c) For which there is any obligation to
share damages with or repay someone
else who must pay damages because of
the injury described in Paragraphs (1)(a)
or (b) above; or
(d) Arising out of his or her providing or
failing to provide professional health
care services.
(2) "Property damage" to property:
(a) Owned, occupied or used by,
(b) Rented to, in the care, custody or con-
trol of, or over which physical control is
being exercised for any purpose by
you, any of your "employees", "volunteer
workers", any partner or member (if you are
a partnership or joint venture), or any mem-
ber (if you are a limited liability company).

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

b. Any person (other than your "employee" or
"volunteer worker"), or any organization while
acting as your real estate manager.
c. Any person or organization having proper
temporary custody of your property if you die,
but only:
(1) With respect to liabilit y arising out of the
maintenance or use of that property; and
(2) Until your legal representative has been
appointed.
d. Your legal representative if you die, but only
with respect to duties as such. That represen-
tative will have all your rights and duties under
this Coverage Part.

3. Any organization 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 In-
sured if there is no othe r similar insurance avail-
able to that organization. However:
a. Coverage under this provision is afforded only
until the 90th day after you acquire or form the
organization or the end of the policy period,
whichever is earlier;
b. Coverage A does not apply to "bodily injury" or
"property damage" that occurred before you
acquired or formed the organization; and
c. Coverage B does not apply to "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 curren t or past partnership, joint venture or limited liability company that is not shown
as a Named Insured in the Declarations.

SECTION III – LIMITS OF INSURANCE

1. The Limits of Insurance shown in the Declarations
and the rules below fix the most we will pay re-
gardless of the number of:
a. Insureds;
b. Claims made or "suits" brought; or
c. Persons or organizations making claims or
bringing "suits".

2. The General Aggregate Limit is the most we will
pay for the sum of:
a. Medical expenses under Coverage C;
b. Damages under Coverage A, except damages
because of "bodily injury" or "property damage"
included in the "products-completed operations
hazard"; and
c. Damages under Coverage B.

3. The Products-Completed Operations Aggregate
Limit is the most we will pay under Coverage A for
damages because of "bodily injury" and "property
damage" included in the "products-completed op-
erations hazard".

4. Subject to Paragraph 2. above, the Personal and
Advertising Injury Limit is the most we will pay un-
der Coverage B for the sum of all damages be-
cause of all "personal and advertising injury" sus-
tained by any one person or organization.

5. Subject to
Paragraph 2. or 3. above, whichever
applies, the Each Occurrence Limit is the most we
will pay for the sum of:
a. Damages under Coverage A; and
b. Medical expenses under Coverage C
because of all "bodily injury" and "property dam-
age" arising out of any one "occurrence".

6. Subject to Paragraph 5. above, the Damage To
Premises Rented To You Limit is the most we will
pay under Coverage A for damages because of
"property damage" to any one premises, while
rented to you, or in the case of damage by fire,
while rented to you or temporarily occupied by you
with permission of the owner.

7. Subject to Paragraph 5. above, the Medical Ex-
pense Limit is the most we will pay under Cover-
age C for all medical expenses because of "bodily
injury" sustained by any one person.

The Limits of Insurance of this Coverage Part apply
separately to each consecutive annual period and to
any remaining period of less than 12 months, starting
with the beginning of the policy period shown in the
Declarations, unless the policy period is extended
after issuance for an additional period of less than 12 months. In that case, the additional period will be
deemed part of the last preceding period for purposes
of determining the Limits of Insurance.

SECTION IV – COMMERCIAL GENERAL LIABILITY

CONDITIONS

1. Bankruptcy
Bankruptcy or insolvency of the insured or of the
insured's estate will not relieve us of our obliga-
tions under this Coverage Part.

2. Duties In The Event Of Occurrence, Offense,
Claim Or Suit
a. You must see to it that we are notified as soon
as practicable of an "occurrence" or an offense
which may result in a claim. To the extent pos-
sible, notice should include:
(1) How, when and where the "occurrence" or
offense took place;
(2) The names and addresses of any injured
persons and witnesses; and
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CG 00 01 12 07 © ISO Properties, Inc., 2006 Page 11 of 16 †

(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 no-
tice of the claim or "suit" as soon as practica-
ble.
c. You and any other involved insured must:
(1) Immediately send us copies of any de-
mands, notices, summonses or legal pa-
pers received in connection with the claim
or "suit";
(2) Authorize us to obtain records and other
information;
(3) Cooperate with us in the investigation or
settlement of the claim or defense against
the "suit"; and
(4) Assist us, upon our request, in the en-
forcement of any right against any person
or organization which may be liable to the
insured because of injury or damage to
which this insurance may also apply.
d. No insured will, except at that insured's own
cost, voluntarily make a payment, assume any
obligation, or incur any expense, other than for
first aid, without our consent.

3. Legal Action Against Us
No person or organization has a right under this
Coverage Part:
a. To join us as a party or otherwise bring us into
a "suit" asking for damages from an insured; or
b. To sue us on this Coverage Part unless all of
its terms have been fully complied with.

A person or organization may sue us to recover on
an agreed settlement or on a final judgment
against an insured; but we will not be liable for
damages that are not payable under the terms of
this Coverage Part or that are in excess of the ap-
plicable limit of insurance. An agreed settlement
means a settlement and release of liability signed
by us, the insured and the claimant or the claim-
ant's legal representative.

4. Other Insurance
If other valid and collectible insurance is available
to the insured for a loss we cover under Cover-
ages A or B of this Coverage Part, our obligations
are limited as follows:
a. Primary Insurance
This insurance is primary except when Para-
graph b. below applies. If th is insurance is pri-
mary, our obligations are not affected unless
any of the other insurance is also primary.

Then, we will share with all that other insur-
ance by the method described in Paragraph c.
below.
b. Excess Insurance
(1) This insurance is excess over:
(a) Any of the other insurance, whether
primary, excess, contingent or on any
other basis:
(i) That is Fire, Extended Coverage,
Builder's Risk, Installation Risk or
similar coverage for "your work";
(ii) That is Fire insurance for premises
rented to you or temporarily occu-
pied by you with permission of the
owner;
(iii) That is insurance purchased by you
to cover your liability as a tenant for
"property damage" to premises
rented to you or temporarily occu-
pied by you with permission of the
owner; or
(iv) If the loss arises out of the mainte-
nance or use of aircraft, "autos" or
watercraft to the extent not subject to
Exclusion g. of Section I – Coverage
A – Bodily Injury And Property Dam-
age Liability.
(b) Any other primary insurance available to
you covering liability for damages aris-
ing out of the premises or operations, or
the products and completed operations,
for which you have been added as an
additional insured by attachment of an
endorsement.
(2) When this insurance is excess, we will have
no duty under Coverages A or B to defend
the insured against any "suit" if any other
insurer has a duty to defend the insured
against that "suit". If no other insurer de-
fends, we will undertake to do so, but we
will be entitled to the insured's rights
against all those other insurers.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

(3) When this insurance is excess over other
insurance, we will pay only our share of the
amount of the loss, if any, that exceeds the
sum of:
(a) The total amount that all such other
insurance would pay for the loss in the
absence of this insurance; and
(b) The total of all deductible and self-
insured amounts under all that other in-
surance.
(4) We will share the remaining loss, if any,
with any other insurance that is not de-
scribed in this Excess Insurance provision
and was not bought specifically to apply in
excess of the Limits of Insurance shown in
the Declarations of this Coverage Part.
c. Method Of Sharing
If all of the other insurance permits contribution
by equal shares, we will follow this method
also. Under this approach each insurer con-
tributes equal amounts until it has paid its ap-
plicable limit of insurance or none of the loss
remains, whichever comes first.

If any of the other insurance does not permit
contribution by equal shares, we will contribute
by limits. Under this method, each insurer's
share is based on the ratio of its applicable
limit of insurance to the total applicable limits of
insurance of all insurers.

5. Premium Audit
a. We will compute all premiums for this Cover-
age Part in accordance with our rules and
rates.
b. Premium shown in this Coverage Part as ad-
vance premium is a deposit premium only. At
the close of each audit period we will compute
the earned premium for that period and send
notice to the first Named Insured. The due date
for audit and retrospective premiums is the
date shown as the due date on the bill. If the
sum of the advance and audit premiums paid
for the policy period is greater than the earned
premium, we will return the excess to the first
Named Insured.
c. The first Named Insured must keep records of
the information we need for premium computa-
tion, and send us copies at such times as we
may request.

6. Representations
By accepting this policy, you agree:
a. The statements in the Declarations are accu-
rate and complete;
b. Those statements are based upon representa-
tions you made to us; and
c. We have issued this policy in reliance upon
your representations.

7. Separation Of Insureds
Except with respect to the Limits of Insurance, and
any rights or duties specifically assigned in this
Coverage Part to the first Named Insured, this in-
surance applies:
a. As if each Named Insured were the only
Named Insured; and
b. Separately to each insured against whom claim
is made or "suit" is brought.

8. Transfer Of Rights Of Recovery Against Others
To Us
If the insured has rights to recover all or part of
any payment we have made under this Coverage
Part, those rights are transferred to us. The in-
sured must do nothing after loss to impair them. At
our request, the insured will bring "suit" or transfer
those rights to us and help us enforce them.

9. When We Do Not Renew
If we decide not to renew this Coverage Part, we
will mail or deliver to the first Named Insured
shown in the Declarations written notice of the
nonrenewal not less than 30 days before the expi-
ration date.

If notice is mailed, proof of mailing will be sufficient proof of notice.

SECTION V – DEFINITIONS

1. "Advertisement" means a not ice that is broadcast
or published to the general public or specific mar-
ket segments about your goods, products or ser-
vices for the purpose of attracting customers or
supporters. For the purposes of this definition:
a. Notices that are published include material
placed on the Internet or on similar electronic
means of communication; and
b. Regarding web-sites, only that part of a web-
site that is about your goods, products or ser-
vices for the purposes of attracting customers
or supporters is considered an advertisement.

2. "Auto" means:
a. A land motor vehicle, trailer or semitrailer de-
signed for travel on public roads, including any
attached machinery or equipment; or
b. Any other land vehicle that is subject to a com-
pulsory or financial resp onsibility law or other
motor vehicle insurance law in the state where
it is licensed or principally garaged.

However, "auto" does not include "mobile equip-
ment".

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3. "Bodily injury" means bod ily injury, sickness or
disease sustained by a person, including death re-
sulting from any of these at any time.

4. "Coverage territory" means:
a. The United States of America (including its
territories and possessions), Puerto Rico and
Canada;
b. International waters or airspace, but only if the
injury or damage occurs in the course of travel
or transportation between any places included
in Paragraph a. above; or
c. All other parts of the world if the injury or dam-
age arises out of:
(1) Goods or products made or sold by you in
the territory described in Paragraph a.
above;
(2) The activities of a person whose home is in
the territory described in Paragraph a.
above, but is away for a short time on your
business; or
(3) "Personal and advertising injury" offenses
that take place through the Internet or simi-
lar electronic means of communication
provided the insured's re sponsibility to pay dam-
ages is determined in a "suit" on the merits, in the
territory described in Paragraph a. above or in a
settlement we agree to.

5. "Employee" includes a "leased worker". "Em-
ployee" does not include a "temporary worker".

6. "Executive officer" means a person holding any of
the officer positions created by your charter, con-
stitution, by-laws or any other similar governing
document.

7. "Hostile fire" means one which becomes uncon-
trollable or breaks out from where it was intended
to be.

8. "Impaired property" means tangible property, other
than "your product" or "your work", that cannot be
used or is less useful because:
a. It incorporates "your product" or "your work"
that is known or thought to be defective, defi-
cient, inadequate or dangerous; or
b. You have failed to fulfill the terms of a contract
or agreement;
if such property can be restored to use by the re-
pair, replacement, adjustment or removal of "your
product" or "your work" or your fulfilling the terms
of the contract or agreement.

9. "Insured contract" means:
a. A contract for a lease of premises. However,
that portion of the contract for a lease of prem-
ises that indemnifies any person or organiza-
tion for damage by fire to premises while
rented to you or temporarily occupied by you
with permission of the owner is not an "insured
contract";
b. A sidetrack agreement;
c. Any easement or license agreement, except in
connection with construction or demolition op-
erations on or within 50 feet of a railroad;
d. An obligation, as required by ordinance, to
indemnify a municipality, except in connection
with work for a municipality;
e. An elevator maintenance agreement;
f.

That part of any other contract or agreement
pertaining to your business (including an in-
demnification of a municipality in connection
with work performed for a municipality) under
which you assume the tort liability of another
party to pay for "bodily injury" or "property dam-
age" to a third person or organization. Tort li-
ability means a liability that would be imposed
by law in the absence of any contract or
agreement.

Paragraph f. does not include that part of any
contract or agreement:
(1) That indemnifies a railroad for "bodily injury"
or "property damage" arising out of con-
struction or demolition operations, within 50
feet of any railroad property and affecting
any railroad bridge or trestle, tracks, road-
beds, tunnel, underpass or crossing;
(2) That indemnifies an architect, engineer or
surveyor for injury or damage arising out of:
(a) Preparing, approving, or failing to pre-
pare or approve, maps, shop drawings,
opinions, reports, su rveys, field orders,
change orders or drawings and specifi-
cations; or
(b) Giving directions or instructions, or
failing to give them, if that is the primary
cause of the injury or damage; or
(3) Under which the insured, if an architect,
engineer or surveyor, assumes liability for
an injury or damage arising out of the in-
sured's rendering or failure to render pro-
fessional services, including those listed in
(2) above and supervisory, inspection, ar-
chitectural or engineering activities.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

10. "Leased worker" means a person leased to you by
a labor leasing firm under an agreement between
you and the labor leasing firm, to perform duties
related to the conduct of your business. "Leased
worker" does not include a "temporary worker".

11. "Loading or unloading" means the handling of
property:
a. After it is moved from the place where it is
accepted for movement into or onto an aircraft,
watercraft or "auto";
b. While it is in or on an aircraft, watercraft or
"auto"; or
c. While it is being moved from an aircraft, water-
craft or "auto" to the place where it is finally de-
livered;
but "loading or unloading" does not include the
movement of property by means of a mechanical
device, other than a hand tr uck, that is not at-
tached to the aircraft, watercraft or "auto".

12. "Mobile equipment" means any of the following
types of land vehicles, including any attached ma-
chinery or equipment:
a. Bulldozers, farm machinery, forklifts and other
vehicles designed for use principally off public
roads;
b. Vehicles maintained for use solely on or next to
premises you own or rent;
c. Vehicles that travel on crawler treads;
d. Vehicles, whether self-propelled or not, main-
tained primarily to provide mobility to perma-
nently mounted:
(1) Power cranes, shovels, loaders, diggers or
drills; or
(2) Road construction or resurfacing equipment
such as graders, scrapers or rollers;
e. Vehicles not described in Paragraph a., b., c.
or d. above that are not self-propelled and are
maintained primarily to provide mobility to per-
manently attached equipment of the following
types:
(1) Air compressors, pumps and generators,
including spraying, welding, building clean-
ing, geophysical exploration, lighting and
well servicing equipment; or
(2) Cherry pickers and similar devices used to
raise or lower workers;
f. Vehicles not described in Paragraph a., b., c.
or d. above maintained primarily for purposes
other than the transportation of persons or
cargo.

However, self-propelled vehicles with the fol-
lowing types of permanently attached equip-
ment are not "mobile equipment" but will be
considered "autos":
(1) Equipment designed primarily for:
(a) Snow removal;
(b) Road maintenance, but not construction
or resurfacing; or
(c) Street cleaning;
(2) Cherry pickers and similar devices mounted
on automobile or truck chassis and used to
raise or lower workers; and
(3) Air compressors, pumps and generators,
including spraying, welding, building clean-
ing, geophysical exploration, lighting and
well servicing equipment.

However, "mobile equipment" does not include
any land vehicles that are subject to a compulsory
or financial responsibility law or other motor vehi-
cle insurance law in the st ate where it is licensed
or principally garaged. Land vehicles subject to a
compulsory or financial re sponsibility law or other
motor vehicle insurance law are considered
"autos".

13. "Occurrence" means an accident, including con-
tinuous or repeated exposure to substantially the
same general harmful conditions.

14. "Personal and advertising injury" means injury,
including consequential "bodily injury", arising out
of one or more of the following offenses:
a. False arrest, detention or imprisonment;
b. Malicious prosecution;
c. The wrongful eviction from, wrongful entry into,
or invasion of the right of private occupancy of
a room, dwelling or premises that a person oc-
cupies, committed by or on behalf of its owner,
landlord or lessor;
d. Oral or written publication, in any manner, of
material that slanders or libels a person or or-
ganization or disparages a person's or organi-
zation's goods, products or services;
e. Oral or written publication, in any manner, of
material that violates a person's right of pri-
vacy;
f. The use of another's advertising idea in your
"advertisement"; or
g. Infringing upon another's copyright, trade dress
or slogan in your "advertisement".

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

CG 00 01 12 07 © ISO Properties, Inc., 2006 Page 15 of 16 †

15. "Pollutants" mean any solid, liquid, gaseous or
thermal irritant or contaminant, including smoke,
vapor, soot, fumes, acids, alkalis, chemicals and
waste. Waste includes materials to be recycled,
reconditioned or reclaimed.

16. "Products-completed operations hazard":
a. Includes all "bodily injury" and "property dam-
age" occurring away from premises you own or
rent and arising out of "your product" or "your
work" except:
(1) Products that are still in your physical pos-
session; or
(2) Work that has not yet been completed or
abandoned. However, "your work" will be
deemed completed at the earliest of the fol-
lowing times:
(a) When all of the work called for in your
contract has been completed.
(b) When all of the work to be done at the
job site has been completed if your con-
tract calls for work at more than one job
site.
(c) When that part of the work done at a job
site has been put to its intended use by
any person or organization other than
another contractor or subcontractor
working on the same project.

Work that may need service, maintenance,
correction, repair or replacement, but which
is otherwise complete, will be treated as
completed.
b. Does not include "bodily injury" or "property
damage" arising out of:
(1) The transportation of property, unless the
injury or damage arises out of a condition in
or on a vehicle not owned or operated by
you, and that condition was created by the
"loading or unloading" of that vehicle by any
insured;
(2) The existence of tools, uninstalled equip-
ment or abandoned or unused materials; or
(3) Products or operations for which the classi-
fication, listed in the Declarations or in a
policy schedule, states that products-
completed operations are subject to the
General Aggregate Limit.

17. "Property damage" means:
a. Physical injury to tang ible 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; or
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 "occur-
rence" that caused it.

For the purposes of this insurance, electronic data
is not tangible property.

As used in this definition, electronic data means
information, facts or programs stored as or on,
created or used on, or transmitted to or from com-
puter software, including systems and applications
software, hard or floppy disks, CD-ROMS, tapes,
drives, cells, data proces sing devices or any other
media which are used with electronically controlled
equipment.

18. "Suit" means a civil proceeding in which damages
because of "bodily injury ", "property damage" or
"personal and advertising injury" to which this in-
surance applies are alleged. "Suit" includes:
a. An arbitration proceeding in which such dam-
ages are claimed and to which the insured
must submit or does submit with our consent;
or
b. Any other alternative dispute resolution pro-
ceeding in which such damages are claimed
and to which the insured submits with our con-
sent.

19. "Temporary worker" means a person who is fur-
nished to you to substitute for a permanent "em-
ployee" on leave or to meet seasonal or short-term
workload conditions.

20. "Volunteer worker" means a person who is not
your "employee", and who donates his or her work
and acts at the direction of and within the scope of
duties determined by you, and is not paid a fee,
salary or other compensation by you or anyone
else for their work performed for you.

21. "Your product":
a. Means:
(1) Any goods or products, other than real
property, manufactured, sold, handled, dis-
tributed or disposed of by:
(a) You;
(b) Others trading under your name; or
(c) A person or organization whose busi-
ness or assets you have acquired; and
(2) Containers (other than vehicles), materials,
parts or equipment furnished in connection
with such goods or products.
b. Includes:
(1) Warranties or representations made at any
time with respect to the fitness, quality, du-
rability, performance or use of "your prod-
uct"; and
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

6 © ISO Properties, Inc., 2006 CG 00 01 12 07 †
(2) The providing of or failure to provide warn-
ings or instructions.
c. Doe
s not include vending machines or othe r
prop
erty rented to or located for the use of oth-
ers but not sold.

22. "Your work":
a. Mean
s:
(1) Work or operations pe rformed by you or on
your behalf; and
(2) Materials, parts or equipment furnished in
connection with such work or operations.
b.

Includ
es:
(1) Warranties or representations made at any
time with respect to the fitness, quality, du-
rability, performance or use of "your work",
and
(2) The providing of or failure to provide warn-
ings or instructions.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Endorsements
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CGL E5401 CW (03/10) Page 1 of 1
Includes copyrighted material of Insurance Services Office, Inc., with its permission.

DEFINITION OF EMPLOYEE
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
In Section V – DEFINITIONS , Definition 5.
“Employee” is deleted and replaced with the
following:

5. “Employee” includes a “leased worker” and a
“temporary worker”.

P100.236.644.8
Jose Fernandez
1 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CGL E5403 CW (03/10) Page 1 of 1
Includes copyrighted material of Insurance Services Office, Inc., with its permission.

NOTICE INFORMATION
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE
Where To Send Notice
Phone: 866-424-8508
Email: [email protected]
Mail: Hiscox
5 Concourse Parkway, Suite 2150
Attn: Direct Claims
Atlanta GA, 30328
Subparagraph 2. Duties In The Event Of Occur-
rence, Offense, Claim Or Suit in Section IV –

COMMERCIAL GENERAL LIABILITY CONDI-
TIONS is amended to include the following:

Any notification required by this policy shall be pro-
vided to us at the address listed in the above
SCHEDULE.

P100.236.644.8
Jose Fernandez
2 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CGL E5404 CW (03/10) Page 1 of 1
Includes copyrighted material of Insurance Services Office, Inc., with its permission.

EXCLUSION – PERSONAL INFORMATION
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
Paragraph 2. Exclusions under Section I – COV-
ERAGE A – BODILY INJURY AND PROPERTY
DAMAGE LIABILITY, COVERAGE B – PERSONAL
AND ADVERTISING INJURY LIABILITY , and
COVERAGE C – MEDICAL PAYMENTS is
amended to include the following exclusion:

Personal Information
“Bodily injury”, “property damage” or “personal and
advertising injury” caused by the insured’s failure to
protect any non-public, personally identifiable infor-
mation in the insured’s care, custody or control.

P100.236.644.8
Jose Fernandez
3 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CGL E5407 CW (03/10) Page 1 of 1
Includes copyrighted material of Insurance Services Office, Inc., with its permission.

EXCLUSION – PROFESSIONAL SERVICES
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
Paragraph 2. Exclusions under Section I –
COVERAGE A – BODILY INJURY AND PROPER-
TY DAMAGE LIABILITY , and COVERAGE B –

PERSONAL AND ADVERTISING INJURY
LIABILITY, is amended to include the following
exclusion:

Professional Services
“Bodily injury”, “property damage” or “personal and
advertising injury” caused by the rendering or failure
to render any professional service.

This exclusion applies even if the claims allege neg-
ligence or other wrongdoing in the supervision, hir-
ing, employment, training or monitoring of others by
an 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 or failure to render any pro-
fessional service.

P100.236.644.8
Jose Fernandez
4 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CGL E5408 CW (03/10) Page 1 of 1
Includes copyrighted material of Insurance Services Office, Inc., with its permission.

CANCELLATION PROVISION
(14 DAY FULL REFUND)
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
All Coverage Parts included in this policy are subject to the following condition:

Notwithstanding anything in the “COMMON POLICY
CONDITIONS” or any other cancellation provision to
the contrary, if the first Named Insured cancels
within 14 days of the inception of the policy period
shown in the Declarations without there having
been: (i) an “occurrence” that caused “bodily in-
jury” or “property damage”; (ii) an offense arising
out of your business that caused a “personal and
advertising injury”; or (iii) an accident that caused
“bodily injury”; then we shall return in full any pre-
mium amount actually paid to us. In such event,
the effective date of cancellation shall be deemed
to be the inception date of the policy period shown
in the Declarations.

P100.236.644.8
Jose Fernandez
5 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CGL E5409 CW (03/10) Page 1 of 1

RIGHT AND DUTY TO SELECT DEFENSE COUNSEL
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
In regard to any covered “suit” seeking damages
under Section I – COVERAGE A – BODILY IN-
JURY AND PROPERTY DAMAGE LIABILITY or
COVERAGE B – PERSONAL AND ADVERTISING
INJURY LIABILITY , our right and duty to defend
shall include the right to select defense counsel.

P100.236.644.8
Jose Fernandez
6 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PL EASE READ IT CAREFULLY.

CGL E5421 CW (02/14) Includes copyrighted material of Insurance Services Office, Inc., with its permission.

ADDITIONAL INSURED – AUTOMATIC STATUS
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. Section II – Who Is An Insured is amended
to include as an additional insured any per-
son(s) or organization(s) for whom you are
performing operations or leasing a premises
when you and such person(s) or organiz a-
tion(s) have agreed in writing in a contract or
agreement that such person(s) or organiz a-
tion(s) be added as an additional insured on
your policy. Such person or organization is
an additional insured only with respect to li a-
bility for "bodily injury", "property damage" or
"personal and advertising injury" caused, in
whole or in part , by your acts or omissions or
the acts or omissions of those acting on your
behalf:

1. In the performance of your ongoing oper a-
tions; or

2. In connection with your premises owned by or
rented to you.

A person's or organization's status as an add i-
tional insured under this endorsement ends
when your operations or lease agreement for
that additional insured are completed.

P100.236.644.8
Jose Fernandez
7 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 2

COMMON POLICY CONDITIONS
All Coverage Parts included in this policy are subject to the following conditions.

A. Cancellation

1. The first Named Insured shown in the Declar a-
tions may cancel this policy by mailing or del i-
vering to us advance written notice of cancella-
tion.

2. We may cancel this policy by mailing or deliver-
ing to the first Named Insured written notice of
cancellation at least:
a. 10 days before the effective date of cance l-
lation if we cancel for nonpayment of pr e-
mium; or
b. 30 days before the effective date of cance l-
lation if we cancel for any other reason.

3. We will mail or deliver our notice to the first
Named Insured's last mailing address known to
us.

4. Notice of cancellation will state the effective
date of cancellation . The policy period will end
on that date.

5. If this policy is cancelled, we will send the first
Named Insured any premium refund due. If we
cancel, the refund will be pro rata. If the first
Named Insured cancels, the refund may be
less than pro rata. T he cancellation will be e f-
fective even if we have not made or offered a
refund.

6. If notice is mailed, proof of mailing will be suff i- cient proof of notice.

B. Changes
This policy contains all the agreements between
you and us concerning the insurance afforded.

The first Named Insured shown in the Declar ations
is authorized to make changes in the terms of this
policy with our consent. This policy's terms can be
amended or waived only by endorsement issued
by us and made a part of this policy.

C. Examination Of Your Books And Records
We may examine and audit your books and
records as they relate to this policy at any time dur-
ing the policy period and up to three years afte r-
ward.

D. Inspections And Surveys

1. We have the right to:
a. Make inspections and surveys at any time;
b. Give you reports on the conditions we find;
and
c. Recommend changes.

2. We are not obligated to make any inspections,
surveys, reports or recommendations and any
such actions we do undertake relate only to i n-
surability and the premiums to be charged. We
do not make safety inspections. We do not u n-
dertake to perform the duty of any person or
organization to provide for the health or safety
of workers or the public. And we do not warrant
that conditions:
a. Are safe or healthful; or
b. Comply with laws, regulations, codes or
standards.

3. Paragraphs 1. and 2. of this condition apply not
only to us, but also to any rating, advisory, rate
service or similar organization which makes i n-
surance inspections, surveys, re ports or re c-
ommendations.

4. Paragraph 2. of this condition does not apply to
any inspections, surveys, reports or reco m-
mendations we may make relative to certific a-
tion, under state or municipal statutes, ord in-
ances or regulations, of boilers, pressure v es-
sels or elevators.

E. Premiums
The first Named Insured shown in the Declar a-
tions:

1. Is responsible for the payment of all premiums;
and

2. Will be the payee for any return premiums we
pay.

P100.236.644.8
Jose Fernandez
8 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

F. Transfer Of Your Rights And Duties Under This
Policy
Your rights and duties under this policy may not be
transferred without our written consent except in
the case of death of an individual named insured.

If you die, your rights and duties will be tran sferred to your legal representative but only while ac ting
within the scope of duties as your legal representa-
tive. Until your legal representative is appointed,
anyone having proper temporary custody of your
property will have your rights and duties but only
with respect to that property.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

IL 00 21 09 08 © ISO Properties, Inc., 2007 Page 1 of 2

NUCLEAR ENERGY LIABILITY EXCLUSION

ENDORSEMENT
(Broad Form)
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

1. The insurance does not apply:

A. Under any Liability Coverage, to "bodily injury"
or "property damage":
(1) With respect to which an "insured" under
the policy is also an insured under a nuc-
lear energy liability policy issued by Nuclear
Energy Liability Insurance Association, Mu-
tual Atomic Energy Liability Underwriters,
Nuclear Insurance Association of Canada
or any of their successors, or would be an
insured under any such policy but for its
termination upon exhaustion of its limit of
liability; or
(2) Resulting from the "hazardous properties"
of "nuclear material" and with respect to
which (a) any person or organization is re-
quired to maintain financial protection pur-
suant to the Atomic Energy Act of 1954, or
any law amendatory thereof, or (b) the "in-
sured" is, or had this policy not been issued
would be, entitled to indemnity from the
United States of America, or any agency
thereof, under any agreement entered into
by the United States of America, or any
agency thereof, with any person or organi-
zation.

B. Under any Medical Payments coverage, to
expenses incurred with respect to "bodily in-
jury" resulting from the "hazardous properties"
of "nuclear material" and arising out of the op-
eration of a "nuclear facility" by any person or
organization.

C. Under any Liability Coverage, to "bodily injury"
or "property damage" resulting from "hazard-
ous properties" of "nuclear material", if:
(1) The "nuclear material" (a) is at any "nuclear
facility" owned by, or operated by or on be-
half of, an "insured" or (b) has been dis-
charged or dispersed therefrom;
(2) The "nuclear material" is contained in
"spent fuel" or "waste" at any time pos-
sessed, handled, used, processed, stored,
transported or disposed of, by or on behalf
of an "insured"; or
(3) The "bodily injury" or "property damage"
arises out of the furnishing by an "insured"
of services, materials, parts or equipment in
connection with the planning, construction,
maintenance, operation or use of any "nuc-
lear facility", but if such facility is located
within the United States of America, its terri-
tories or possessions or Canada, this ex-
clusion (3) applies only to "property dam-
age" to such "nuclear facility" and any
property thereat.

2. As used in this endorsement:

P100.236.644.8
Jose Fernandez
9 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

"Hazardous properties" includes radioactive, toxic
or explosive properties.
"Nuclear material" means "source material", "spe-
cial nuclear material" or "by-product material".
"Source material", "special nuclear material", and
"by-product material" have the meanings given
them in the Atomic Energy Act of 1954 or in any
law amendatory thereof.
"Spent fuel" means any fuel element or fuel com-
ponent, solid or liquid, which has been used or ex-
posed to radiation in a "nuclear reactor".
"Waste" means any waste material (a) containing
"by-product material" other than the tailings or
wastes produced by the extraction or concentra-
tion of uranium or thorium from any ore processed
primarily for its "source material" content, and (b)
resulting from the operation by any person or or-
ganization of any "nuclear facility" included under
the first two paragraphs of the definition of "nuc-
lear facility".
"Nuclear facility" means:
(a) Any "nuclear reactor";
(b) Any equipment or device designed or used
for (1) separating the isotopes of uranium or
plutonium, (2) processing or utilizing "spent
fuel", or (3) handling, processing or packag-
ing "waste";
(c) Any equipment or device used for the
processing, fabricating or alloying of "spe-
cial nuclear material" if at any time the total
amount of such material in the custody of
the "insured" at the premises where such
equipment or device is located consists of
or contains more than 25 grams of pluto-
nium or uranium 233 or any combination
thereof, or more than 250 grams of uranium
235;
(d) Any structure, basin, excavation, premises
or place prepared or used for the storage or
disposal of "waste";
and includes the site on which any of the foregoing
is located, all operations conducted on such site
and all premises used for such operations.
"Nuclear reactor" means any apparatus designed
or used to sustain nuclear fission in a self-
supporting chain reaction or to contain a critical
mass of fissionable material.
"Property damage" includes all forms of radioac-
tive contamination of property.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

CG 00 68 05 09 © Insurance Services Office, Inc., 2008 Page 1 of 1

RECORDING AND DISTRIBUTION OF MATERIAL OR

INFORMATION IN VIOLATION OF LAW EXCLUSION
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. Exclusion q. of Paragraph 2. Exclusions of Sec-
tion I – Coverage A – Bodily Injury And Proper-
ty Damage Liability is replaced by the following:

2. Exclusions
This insurance does not apply to:
q. Recording And Distribution Of Material
Or Information In Violation Of Law
"Bodily injury" or "property damage" arising
directly or indirectly out of any action or
omission that violates or is alleged to vi-
olate:
(1) The Telephone Consumer Protection
Act (TCPA), including any amendment
of or addition to such law;
(2) The CAN-SPAM Act of 2003, including
any amendment of or addition to such
law;
(3) The Fair Credit Reporting Act (FCRA),
and any amendment of or addition to
such law, including the Fair and Accu-
rate Credit Transaction Act (FACTA); or
(4) Any federal, state or local statute, ordin-
ance or regulation, other than the TCPA,
CAN-SPAM Act of 2003 or FCRA and
their amendments and additions, that
addresses, prohibits, or limits the print-
ing, dissemination, disposal, collecting,
recording, sending, transmitting, com-
municating or distribution of material or
information.

B. Exclusion p. of Paragraph 2. Exclusions of Sec-
tion I – Coverage B – Personal And Advertising
Injury Liability is replaced by the following:

2. Exclusions
This insurance does not apply to:
p. Recording And Distribution Of Material
Or Information In Violation Of Law
"Personal and advertising injury" arising di-
rectly or indirectly out of any action or omis-
sion that violates or is alleged to violate:
(1) The Telephone Consumer Protection
Act (TCPA), including any amendment
of or addition to such law;
(2) The CAN-SPAM Act of 2003, including
any amendment of or addition to such
law;
(3) The Fair Credit Reporting Act (FCRA),
and any amendment of or addition to
such law, including the Fair and Accu-
rate Credit Transaction Act (FACTA); or
(4) Any federal, state or local statute, ordin-
ance or regulation, other than the TCPA,
CAN-SPAM Act of 2003 or FCRA and
their amendments and additions, that
addresses, prohibits, or limits the print-
ing, dissemination, disposal, collecting,
recording, sending, transmitting, com-
municating or distribution of material or
information.

P100.236.644.8
Jose Fernandez
10 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 21 41 11 85 Copyright, Insurance Services Office, Inc., 1984 Page 1 of 1 EXCLUSION – INTERCOMPANY PRODUCTS SUITS
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
This insurance does not apply to any claim for dam-
ages by any Named Insured against another Named
Insured because of "bodily injury" or "property dam-
age" arising out of "your products" and included
within the "products-completed operations hazard."
P100.236.644.8
Jose Fernandez
11 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 04 37 12 04 © ISO Properties, Inc., 2003 Page 1 of 1

ELECTRONIC DATA LIABILITY
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
Schedule
Loss Of Electronic Data Limit: $
Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

A. Exclusion 2.p. of Coverage A – Bodily Injury And
Property Damage Liability in Section I – Cove-
rages is replaced by the following:

2. Exclusions
This insurance does not apply to:
p. Electronic Data
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 in-
jury to tangible property.

B. The following paragraph is added to Section III –
Limits Of Insurance:

Subject to 5. above, the Loss of Electronic Data
Limit shown in the Schedule above is the most we
will pay under Coverage A for "property damage"
because of all loss of "electronic data" arising out
of any one "occurrence".

C. The following definition is added to the Definitions Section:
"Electronic data" means information, facts or pro-
grams stored as or on, created or used on, or
transmitted to or from computer software (includ-
ing 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.

D. For the purposes of the coverage provided by this
endorsement, the definition of "Property Damage"
in the Definitions Section is replaced by the fol-
lowing:

17. "Property damage" means:
a. Physical injury to tangible property, includ-
ing all resulting loss of use of that property.

All such loss of use shall be deemed to oc-
cur 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 "oc-
currence" that caused it; or
c. Loss of, loss of use of, damage to, corrup-
tion of, inability to access, or inability to
properly manipulate "electronic data", result-
ing from physical injury to tangible property.

All such loss of "electronic data" shall be
deemed to occur at the time of the "occur-
rence" that caused it.

For the purposes of this insurance, "electronic
data" is not tangible property.

P100.236.644.8
Jose Fernandez
12 04/30/2026
25,000
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 21 38 11 85 Copyright, Insurance Services Office, Inc., 1984 Page 1 of 1 EXCLUSION – PERSONAL AND ADVERTISING INJURY
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART.

COVERAGE B (Section I) does not apply and none
of the references to it in the Coverage Part apply.

P100.236.644.8
Jose Fernandez
13 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CGL E2221 CW (10/23)

Includes copyrighted material of Insurance Services Office, Inc., with its permission.

EXCLUSION – PRIVACY AND CYBER INCIDENTS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

Paragraph 2. Exclusions under Section I – COV-
ERAGE A – BODILY INJURY AND PROPERTY
DAMAGE LIABILITY, COVERAGE B – PERSONAL
AND ADVERTISING INJURY LIABILITY , and COV-
ERAGE C – MEDICAL PAYMENTS is amended to
include the following exclusion:

Privacy, Biometrics, and Cyber Incidents
''Bodily injury '', ''property damage '' or ''personal and advertising injury'' based upon or arising out of any
actual or alleged:
(1) unauthorized or improper acquisition, ac-
cess, use, disclosure, collection, possession,
handling, storage, dissemination, destruc-
tion, capture, sale, purchase, or retention of,
or failure to protect or safeguard any non-
public personally identifiable information, bio-
metric identifiers, biometric data, biometric in-
formation, confidential and sensitive infor-
mation, genetic information, or confidential
corporate information;
(2) violation of any federal, state, local, or foreign
privacy law, biometric information law, con-
sumer data protection law , or any common
law governing, relating to, or protecting
against the use, collection, or disclosure of
any information about a person or any con-
duct, data, or information described in sub-
part (1) above, including but not limited to the
Illinois Biometric Information Privacy Act
(BIPA) and the California Consumer Privacy
Act (CCPA);
(3) denial of service or delay, disruption, impair-
ment, failure, or outage of any part of a com-
puter system or network, regardless of
whether the insure d controls or own s the
computer system or network;
(4) unauthorized or unlawful access to any elec-
tronic data or any part of a computer system
or network, including through the transmis-
sion of any malicious code, such as a com-
puter virus, worm, logic bomb, malware, spy-
ware, Trojan horse, or other fraudulent or un-
authorized computer code, regardless of
whether the insured c ontrols or own s the
computer system or network; or
(5) threat, hoax, trick, or demand relating to sub-
parts (1) through (4) above.

This exclusion will apply even if the claim alleges neg- ligence or other wrongdoing in the:

(a) failure to prevent any cyber incident listed in sub- parts (1) through (4) of this exclusion or any resulting ''property damage'', ''bodily injury'', or ''personal and advertising injury''; or
(b) failure to report any cyber incident listed in sub- parts (1) through (4) of this exclusion to the authori- ties.

P100.236.644.8
Jose Fernandez
14 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

IL 02 70 09 08 © ISO Properties, Inc., 2007 Page 1 of 4 CALIFORNIA CHANGES – CANCELLATION

AND NONRENEWAL
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. Paragraphs 2. and 3. of the Cancellation Com-
mon Policy Condition are replaced by the follow-
ing:

2. All Policies In Effect For 60 Days Or Less
If this policy has been in effect for 60 days or
less, and is not a renewal of a policy we have
previously issued, we may cancel this policy by
mailing or delivering to the first Named Insured
at the mailing address shown in the policy and
to the producer of record, advance written no-
tice of cancellation, stating the reason for can-
cellation, at least:
a. 10 days before the effective date of cancel-
lation if we cancel for:
(1) Nonpayment of premium; or
(2) Discovery of fraud by:
(a) Any insured or his or her representa-
tive in obtaining this insurance; or
(b) You or your representative in pur-
suing a claim under this policy.
b. 30 days before the effective date of cancel-
lation if we cancel for any other reason.

3. All Policies In Effect For More Than 60 Days
a. If this policy has been in effect for more
than 60 days, or is a renewal of a policy we
issued, we may cancel this policy only upon
the occurrence, after the effective date of
the policy, of one or more of the following:
(1) Nonpayment of premium, including
payment due on a prior policy we issued
and due during the current policy term
covering the same risks.
(2) Discovery of fraud or material misrepre-
sentation by:
(a) Any insured or his or her representa-
tive in obtaining this insurance; or
(b) You or your representative in pur-
suing a claim under this policy.
(3) A judgment by a court or an administra-
tive tribunal that you have violated a
California or Federal law, having as one
of its necessary elements an act which
materially increases any of the risks in-
sured against.

P100.236.644.8
Jose Fernandez
15 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

(4) Discovery of willful or grossly negligent
acts or omissions, or of any violations of
state laws or regulations establishing
safety standards, by you or your repre-
sentative, which materially increase any
of the risks insured against.
(5) Failure by you or your representative to
implement reasonable loss control re-
quirements, agreed to by you as a con-
dition of policy issuance, or which were
conditions precedent to our use of a par-
ticular rate or rating plan, if that failure
materially increases any of the risks in-
sured against.
(6) A determination by the Commissioner of
Insurance that the:
(a) Loss of, or changes in, our reinsur-
ance covering all or part of the risk
would threaten our financial integrity
or solvency; or
(b) Continuation of the policy coverage
would:
(i) Place us in violation of California
law or the laws of the state where
we are domiciled; or
(ii) Threaten our solvency.
(7) A change by you or your representative
in the activities or property of the com-
mercial or industrial enterprise, which
results in a materially added, increased
or changed risk, unless the added, in-
creased or changed risk is included in
the policy.
b. We will mail or deliver advance written
notice of cancellation, stating the reason for
cancellation, to the first Named Insured, at
the mailing address shown in the policy,
and to the producer of record, at least:
(1) 10 days before the effective date of
cancellation if we cancel for nonpay-
ment of premium or discovery of fraud;
or
(2) 30 days before the effective date of
cancellation if we cancel for any other
reason listed in Paragraph 3.a.

B. The following provision is added to the Cancella-
tion Common Policy Condition:

7. Residential Property
This provision applies to coverage on real
property which is used predominantly for resi-
dential purposes and consisting of not more
than four dwelling units, and to coverage on
tenants' household personal property in a resi-
dential unit, if such coverage is written under
one of the following:

Commercial Property Coverage Part
Farm Coverage Part – Farm Property – Farm
Dwellings, Appurtenant Structures And House-
hold Personal Property Coverage Form
a. If such coverage has been in effect for 60
days or less, and is not a renewal of cover-
age we previously issued, we may cancel
this coverage for any reason, except as
provided in b. and c. below.
b. We may not cancel this policy solely be-
cause the first Named Insured has:
(1) Accepted an offer of earthquake cover-
age; or
(2) Cancelled or did not renew a policy
issued by the California Earthquake Au-
thority (CEA) that included an earth-
quake policy premium surcharge.

However, we shall cancel this policy if the
first Named Insured has accepted a new or
renewal policy issued by the CEA that in-
cludes an earthquake policy premium sur-
charge but fails to pay the earthquake poli-
cy premium surcharge authorized by the
CEA.
c. We may not cancel such coverage solely
because corrosive soil conditions exist on
the premises. This Restriction (c.) applies
only if coverage is subject to one of the fol-
lowing, which exclude loss or damage
caused by or resulting from corrosive soil
conditions:
(1) Capital Assets Program Coverage Form
(Output Policy);
(2) Commercial Property Coverage Part –
Causes Of Loss – Special Form; or
(3) Farm Coverage Part – Causes Of Loss
Form – Farm Property, Paragraph D.

Covered Causes Of Loss – Special.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 IL 02 70 09 08 © ISO Properties, Inc., 2007 Page 3 of 4 C. The following is added and supersedes any provi-
sions to the contrary:

NONRENEWAL

1. Subject to the provisions of Paragraphs C.2.
and C.3. below, if we elect not to renew this
policy, we will mail or deliver written notice stat-
ing the reason for nonrenewal to the first
Named Insured shown in the Declarations and
to the producer of record, at least 60 days, but
not more than 120 days, before the expiration
or anniversary date.

We will mail or deliver our notice to the first
Named Insured, and to the producer of record,
at the mailing address shown in the policy.

2. Residential Property
This provision applies to coverage on real
property used predominantly for residential
purposes and consisting of not more than four
dwelling units, and to coverage on tenants'
household property contained in a residential
unit, if such coverage is written under one of
the following:

Capital Assets Program (Output Policy) Cover-
age Part
Commercial Property Coverage Part
Farm Coverage Part – Farm Property – Farm
Dwellings, Appurtenant Structures And House-
hold Personal Property Coverage Form
a. We may elect not to renew such coverage
for any reason, except as provided in b., c.
and d. below:
b. We will not refuse to renew such coverage
solely because the first Named Insured has
accepted an offer of earthquake coverage.

However, the following applies only to in-
surers who are associate participating in-
surers as established by Cal. Ins. Code
Section 10089.16. We may elect not to re-
new such coverage after the first Named
Insured has accepted an offer of earth-
quake coverage, if one or more of the fol-
lowing reasons applies:
(1) The nonrenewal is based on sound
underwriting principles that relate to the
coverages provided by this policy and
that are consistent with the approved
rating plan and related documents filed
with the Department of Insurance as re-
quired by existing law;
(2) The Commissioner of Insurance finds
that the exposure to potential losses will
threaten our solvency or place us in a
hazardous condition. A hazardous con-
dition includes, but is not limited to, a
condition in which we make claims
payments for losses resulting from an
earthquake that occurred within the pre-
ceding two years and that required a re-
duction in policyholder surplus of at
least 25% for payment of those claims;
or
(3) We have:
(a) Lost or experienced a substantial
reduction in the availability or scope
of reinsurance coverage; or
(b) Experienced a substantial increase
in the premium charged for reinsur-
ance coverage of our residential
property insurance policies; and
the Commissioner has approved a plan
for the nonrenewals that is fair and
equitable, and that is responsive to the
changes in our reinsurance position.
c. We will not refuse to renew such coverage
solely because the first Named Insured has
cancelled or did not renew a policy, issued
by the California Earthquake Authority that
included an earthquake policy premium
surcharge.
d. We will not refuse to renew such coverage
solely because corrosive soil conditions ex-
ist on the premises. This Restriction (d.)
applies only if coverage is subject to one of
the following, which exclude loss or dam-
age caused by or resulting from corrosive
soil conditions:
(1) Capital Assets Program Coverage Form
(Output Policy);
(2) Commercial Property Coverage Part –
Causes Of Loss – Special Form; or
(3) Farm Coverage Part – Causes Of Loss
Form – Farm Property, Paragraph D.

Covered Causes Of Loss – Special.

3. We are not required to send notice of nonre-
newal in the following situations:
a. If the transfer or renewal of a policy, without
any changes in terms, conditions, or rates,
is between us and a member of our insur-
ance group.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

b. If the policy has been extended for 90 days
or less, provided that notice has been given
in accordance with Paragraph C.1.
c. If you have obtained replacement coverage,
or if the first Named Insured has agreed, in
writing, within 60 days of the termination of
the policy, to obtain that coverage.
d. If the policy is for a period of no more than
60 days and you are notified at the time of
issuance that it will not be renewed.
e. If the first Named Insured requests a
change in the terms or conditions or risks
covered by the policy within 60 days of the
end of the policy period.
f. If we have made a written offer to the first
Named Insured, in accordance with the
timeframes shown in Paragraph C.1., to re-
new the policy under changed terms or
conditions or at an increased premium rate,
when the increase exceeds 25%.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 32 34 01 05 © ISO Properties, Inc., 2004 Page 1 of 1

CALIFORNIA CHANGES
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
The term "spouse" is replaced by the following:

Spouse or registered domestic partner under Califor-
nia law.

P100.236.644.8
Jose Fernandez
16 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CGL E5581 CW (03/16) Includes copyrighted material of
Insurance Services Office, Inc., with its permission

PRIMARY AND NONCONTRIBUTORY – OTHER

INSURANCE CONDITION
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. The following is added to the Other Insurance
Condition and supersedes any provision to the
contrary:

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, pro-
vided:

1. you have agreed in a written contract or
agreement to add such additional insured to
a policy providing the type of coverage af-
forded by this policy; and

2. you have agreed in a written contract or
agreement with such additional insured that
this insurance would be primary and would
not seek contribution from any other insur-
ance available to the additional insured.

P100.236.644.8
Jose Fernandez
17 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CGL E5402 CW (03/10) Page 1 of 1
Includes copyrighted material of Insurance Services Office, Inc., with its permission.

MODIFIED WAIVER OF TRANSFER OF RIGHTS OF

RECOVERY AGAINST OTHERS TO US
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
The following is added to Paragraph 8. Transfer Of
Rights Of Recovery Against Others To Us of
Section IV – Conditions:

You may waive your rights against another party so
long as you do so in writing prior to: (i) an offense
arising out of your business that caused a “personal
and advertising injury”; or (ii) an “occurrence” that
caused “bodily injury” or “property damage”.

P100.236.644.8
Jose Fernandez
18 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PL EASE READ IT CAREFULLY.

CG 21 73 01 15 © Insurance Services Office, Inc., 2014 Page 1 of 1

EXCLUSION OF CERTIFIED ACTS OF TERRORISM
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. The following exclusion is added:

This insurance does not apply to:

TERRORISM
"Any injury or damage " arising, directly or indirec t- ly, out of a "certified act of terrorism".

B. The following definitions are added:

1. For the purposes of this endorsement, "any
injury or damage" means any injury or damage
covered under any Coverage Part to which this
endorsement is applicable, and includes but is
not limited to "bodily injury", "property da m-
age", "personal and advertising injury", "injury"
or "environmental damage" as may be defined
in any applicable Coverage Part.

2. "Certified act of terrorism" means an act that is
certified by the Secretary of the Treasury, in
accordance with the provisions of the fe deral
Terrorism Risk Insu rance Act, to be an act of
terrorism pu rsuant to such Act. The criteria
contained in the Terrorism Risk Insurance Act
for a "cert ified act of terrorism" include the fo l-
lowing:
a. The act resulted in insured losses in excess
of $5 million in the aggregate, attributable to
all types of insurance subject to the Terro r-
ism Risk Insurance Act; and
b. The act is a violent act or an act that is
dangerous to human life, property or infr a-
structure and is committed by an individual
or individuals as part of an effort to coerce
the civilian population of the United States
or to influence the policy or affect the co n-
duct of the United States Government by
coercion.

C. The terms and limitations of any terrorism excl u-
sion, or the inapplicability or omission of a terro r-
ism exclusion, do not serve to create coverage for
injury or damage that is otherwise excluded u nder
this Coverage Part.

P100.236.644.8
Jose Fernandez
19 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CGL E5405 CW (03/10) Page 1 of 1
Includes copyrighted material of Insurance Services Office, Inc., with its permission.

EXCLUSION – DAMAGE TO PRIMARY RESIDENCE
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
With respect to a premises that is an insured’s primary residence:

A. The last paragraph ("Exclusions c. through n. do
not apply . . . ") of Paragraph 2., Exclusions un-
der Section I – Coverage A – Bodily Injury And
Property Damage Liability is deleted.

B. The first exception ("Paragraphs (1), (3) and (4)
of this exclusion do not apply . . . ") to Exclusion
j., Damage To Property of Paragraph 2., Exclu-
sions of Section I – Coverage A – Bodily Injury
And Property Damage Liability is deleted.

C. Paragraph 6. of Section III – Limits Of Insur-
ance is deleted.

D. Any reference in the Declarations to "Damage To
Premises Rented To You" is deleted.

P100.236.644.8
Jose Fernandez
20 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 20 26 07 04 © ISO Properties, Inc., 2004 Page 1 of 1 ADDITIONAL INSURED – DESIGNATED

PERSON OR ORGANIZATION
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE
Name Of Additional Insured Person(s) Or Organization(s) Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

Section II – Who Is An Insured is amended to in-
clude as an additional insured the person(s) or organi- zation(s) shown in the Schedule, but only with respect
to liability for "bodily injury", "property damage" or
"personal and advertising injury" caused, in whole or
in part, by your acts or omissions or the acts or omis- sions of those acting on your behalf:

A. In the performance of your ongoing operations; or
B. In connection with your premises owned by or
rented to you.

P100.236.644.8
Jose Fernandez
21 04/30/2026
City of Alameda, its City Council, boards and commissions, officers, and employees Location: 2263 Santa Clara Avenue, Alameda, CA 94501
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Includes copyrighted material of Insurance
CGL E1954 CW (05/20) Services Offices, Inc., with its permission Page 1 of 1

EXCLUSION - ASBESTOS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

The following exclusion is added to both SECTION I – COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2. Exclusions, and SECTION I – COVERAGES, COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY, 2. Exclusions:

AS-A. Asbestos “Bodily injury”, “property damage”, or “personal and advertising injury” based upon or arising out of any actual or alleged:
(1) mining, processing, manufacturing, use, testing, ownership, sale, or removal of asbestos, asbestos fibers, or material containing asbestos; (2) exposure to asbestos, asbestos fibers, or materials containing asbestos; or
(3) provision of instructions, recommendations, notices, warnings, supervision, or advice given, or which should have been given, in connection with asbestos, asbestos fibers, or structures or materials containing asbestos.

P100.236.644.8
Jose Fernandez
22 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Includes copyrighted material of Insurance
CGL E1975 CW (05/20) Services Offices, Inc., with its permission. Page 1 of 1

LIMITATION OF COVERAGE TO BUSINESS OPERATIONS

DESCRIPTION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

I. SECTION I – COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 1.

Insuring Agreement, b. is deleted in its entirety and replaced with the following:
b. This insurance applies to “bodily injury” and “property damage” only if:
(1) the “bodily injury” or “property damage” is caused by an “occurrence” that takes place in the “coverage territory”;
(2) the “bodily injury” or “property damage” occurs during the policy period; (3) prior to the policy period, no insured listed under Paragraph 1. of Section II – Who is an Insured and no “employee” authorized by you to give or receive notice of an “occurrence” or claim, knew that the “bodily injury” or “property damage” had occurred, in whole or in part. If such a listed insured or authorized “employee” knew, prior to the policy period, that the “bodily injury” or “property damage” occurred, then any continuation, change, or resumption of such “bodily injury” or “property damage” during or after the policy period will be deemed to have been known prior to the policy period; and (4) the “bodily injury” or “property damage” is caused by or results from the performance of the specified business operations described in the insured’s application for this policy during the policy period.

II. SECTION I – COVERAGES, COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY, 1. Insuring Agreement, b. is deleted in its entirety and replaced with the following:
b. This insurance applies to “personal and advertising injury” caused by an offense arising out of your business but only if:
(1) the offense was committed in the “coverage territory” during the policy period; and (2) the “personal and advertising injury” is caused by or results from the performance of the specified business operations described in the insured’s application for this policy during the policy period.

P100.236.644.8
Jose Fernandez
23 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 21 32 05 09 © Insurance Services Office, Inc., 2008 Page 1 of 1 

COMMUNICABLE DISEASE EXCLUSION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. The following exclusion is added to Par agraph 2.

Exclusions of Section I – Coverage A – Bodily
Injury And Property Damage Liability:

2. Exclusions
This insurance does not apply to:

Communicable Disease
"Bodily injury" or "property damage" arising out
of the actual or alleged transmission of a co m-
municable disease.

This exclusion applies even if the claims
against any insured allege negligence or other
wrongdoing in the:
a. Supervising, hiring, employ ing, trai ning or
monitoring of others that may be infected
with and spread a communicable disease;
b. Testing for a communicable disease;
c. Failure to prevent the spread of the di s-
ease; or
d. Failure to report the disease to authorities.

B. The following exclusion is added to Paragraph 2.

Exclusions of Section I – Coverage B – Person-
al And Advertising Injury Liability:

2. Exclusions
This insurance does not apply to:

Communicable Disease
"Personal and advertising injury " arising out of
the actual or alleged transmission of a co m-
municable disease.

This exclusion applies even if the claims
against any insured allege negligence or other
wrongdoing in the:
a. Supervising, hiring, employ ing, trai ning or
monitoring of others that may be infected
with and spread a communicable disease;
b. Testing for a communicable disease;
c. Failure to prevent the spread of the di s-
ease; or
d. Failure to report the disease to authorities.

P100.236.644.8
Jose Fernandez
24 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CGL E2227 CW (03/23)

Includes copyrighted material of Insurance Services Office, Inc., with its permission.

AMENDED WAR EXCLUSION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. Paragraph 2. Exclusions under Section I – COV-
ERAGE A – BODILY INJURY AND PROPERTY
DAMAGE LIABILITY , the exclusion of ''War'' is de-
leted in its entirety and replaced with the following:
i. War, Civil War, Cyberwarfare, and NCBR
''Bodily injury'' or ''property damage'' based upon or
arising out of, directly or i ndirectly occasioned by,
happening through or in consequence of:

1. war, invasion, acts of foreign enemies, hostilities
(whether war is declared or not), civil war, rebel-
lion, revolution, insurrection, military, or usurped
power;

2. confiscation, nationalization , requisition, de-
struction of, or damage to property by or under
the order of any government, public, or local au-
thority;

3. ''cyberwarfare'', to the extent not otherwise ex-
cluded by paragraph 1; or

4. any ''NCBR malicious act''.

This will not apply to damage by fire to premises
while rented to you or temporarily occupied by you
with the owner 's permission. Any payments we
make for ''property damage'' to such premises will
be subject to the Damage to Premises Limit.

B. Paragraph 2. Exclusions under Section I – COV-
ERAGE B – PERSONAL AND ADVERTISING IN-
JURY LIABILITY, the exclusion of ''War'' is deleted in
its entirety and replaced with the following:
o. War, Civil War, Cyberwarfare, and NCBR
''Personal and advertising injury '', based upon or
arising out of, directly or indirectly occasioned by,
happening through or in consequence of

1. war, invasion, acts of foreign enemies, hostilities
(whether war is declared or not), civil war, rebel-
lion, revolution, insurrection, military, or usurped
power;

2. confiscation, nationalization, requisition, de-
struction of, or damage to property by or under
the order of any government, public, or local au-
thority;

3. ''cyberwarfare'', to the extent not otherwise ex-
cluded by paragraph 1; or

4. any ''NCBR malicious act''.

C. In Section V – DEFINITIONS, the following defini-
tions are added for purposes of this endorsement:

1. ''Cyberwarfare'' means any:
a. unauthorized access to, or use, alteration, cor-
ruption, damage, manipulation, misappropria-
tion, theft, deletion, or destruction of, any com-
puter hardware or electronic data;
b. creation, transmission, or introduction into a
computer system, computer network, or elec-
tronic data of a computer virus or harmful
code; or
c. restriction or inhibition of access to a computer
system, computer network, or electronic data,
including through a denial-of-service (DoS) at-
tack,
committed by, or on behalf of, a ''state''.

In determining by whom any action listed in parts
a. through c. above is committed we will consider
to whom any governing body (including the g ov-
erning body 's intelligence, law enforcement, or
military services) attributes such action, regard-
less of whether:
i. the computer system, computer network, or
electronic data is physically located within the
jurisdiction of that governing body; or
P100.236.644.8
Jose Fernandez
25 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

CGL E2227 CW (03/23)

Includes copyrighted material of Insurance Services Office, Inc., with its permission.

ii. there are inconsistent statements within differ-
ent branches or agencies of that governing
body (including intelligence, law enforcement,
or military services) as to whom the action is
attributable to.

However, if:

A. a governing body has not attributed any such
action to a ''state'', or any person, group, as-
sociation, or entity acting on the ''state's'', be-
half; and
B. there is at least one ''media report'' or a cy-
bersecurity forensic film report indicating that
such action is attributed to a ''state'' or any
person, group, association, or entity acting on
the ''state's'' behalf,
then we will not pay any damages for ''bodily in-
jury'', ''property damage'', or ''personal and adver-
tising injury'' resulting from any actions listed in
parts a. through c. abo ve until any governing
body attributes such action to a ''state'' or any per-
son, group, association, or entity acting on the
''state's'' behalf.

If a governing body does not attribute such action
to a ''state'' or any person, group, association, or
entity acting on the ''state's'' behalf, or declares it is unable to do so, then a ''media report'' or cyber-
security forensic firm report will be conclusive ev-
idence that the act was committed by, or on be-
half of, a ''state''.

For purposes of this definition, ''media report ''
means an article published by the Associated
Press, Reuters, Wall Street Journal, or the British
Broadcasting Corporation.

For purposes of this definition, ''state'' means a
sovereign state, state -like entity, quasi -state,
proto-state, or a state sponsored actor or group.

2. ''NCBR malicious act'' means an act or series of
acts that harms another person or damages prop-
erty through the physical release or dispersal of
''nuclear, chemical, biological, or radiological
agents or materials'', which is carried out by any
person or group of persons, whether acting alone,
on behalf of, or in connection with any organiza-
tion.

3. ''Nuclear, chemical, biological, or radiological
agents or materials'' means:
a. nuclear reaction, nuclear radiation or radioa c-
tive particles, whether released or dispersed
by nuclear or conventional devices;
b. any chemical compound; or
c. any pathogen,
in sufficient concentration to cause harm to peo-
ple or damage to property.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CGL E2225 CW (01/23) Includes copyrighted material of
Insurance Services Office, Inc., with its permission.

CANNABIS EXCLUSION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

A. The following exclusion is added:

This insurance does not apply to:

1. "Bodily injury", "property damage" or "personal
and advertising injury" based upon or arising out
of, directly or indirectly occasioned by , or in
consequence of:
a. The design, cultivation, manufacture,
storage, processing, packaging, handling,
testing, distribution, sale, serving, furnishing,
possession or disposal of "cannabis" by
anyone; or
b. The actual, alleged, threatened or suspected
inhalation, ingestion, absorption or
consumption of, contact with, exposure to,
existence of, or presence of "cannabis" by
anyone; or

2. "Property damage" to "cannabis".

This exclusion applies even if the claims against
any insured allege negligence or other wrongdoing
in the supervision, hiring, em ployment, 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 that
which is described in Paragraph A.1. or A.2. above.

B. The exclusion in Paragraph A. does not apply to
"personal and advertising injury" arising out of the
following offenses:

1. False arrest, detention or imprisonment; or

2. The wrongful eviction from, wrongful entry into,
or invasion of the right of private occupancy of a
room, dwelling or premises that a person
occupies, committed by or on behalf of its
owner, landlord or lessor.

C. The following definition is added to the Definitions section:
"Cannabis":

1. Means:

Any good or product that consists of or contains
any amount of Tetrahydrocann abinol (THC) or
any other cannabinoid, regardless of whether
any such THC or cannabinoid is natural or
synthetic.

2. Paragraph C.1. above includes, but is not
limited to, any of the following containing such
THC or cannabinoid:
a. Any plant of the genus Cannabis L., or any
part thereof, such as seeds, stems, flowers,
stalks and roots; or
b. Any compound, by -product, extract,
derivative, mixture or combination, such as:
(1) Resin, oil or wax;
(2) Hash or hemp; or
(3) Infused liquid or edible cannabis;
whether or not derived from any plant or part
of any plant set forth in Paragraph C.2.a.

P100.236.644.8
Jose Fernandez
26 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CGL E1952 CW (05/20) Page 1 of 1

EXCLUSION - ANTI-STACKING

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

Notwithstanding anything to the contrary in this policy, in the event this policy and any other policy issued to any insured by us or an affiliated company apply to the same occurrence or offense, the maximum limit of our liability under all such policies will not exceed the highest applicable limit of insurance available for the occurrence or offense under any one policy.

P100.236.644.8
Jose Fernandez
27 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 40 32 05 23 © Insurance Services Office, Inc., 2022 Page 1 of 2

EXCLUSION – PERFLUOROALKYL AND

POLYFLUOROALKYL SUBSTANCES (PFAS)

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. The following exclusion is added to Paragraph 2.

Exclusions of Section I – Coverage A – Bodily
Injury And Property Damage Liability:

2. Exclusions
This insurance does not apply to:

Perfluoroalkyl And Polyfluoroalkyl
Substances
a. "Bodily injury " or "property damage " which
would not have occurred, in whole or in part,
but for the actual, alleged, threatened or
suspected inhalation, ingestion, absorption,
consumption, discharge, dispersal,
seepage, migration, release or escape of,
contact with, exposure to, existence of, or
presence of, any "perfluoroalkyl or
polyfluoroalkyl substances".
b. Any loss, cost or expense arising , in whole
or in part, out of the abating, testing for,
monitoring, cleaning up, removing,
containing, treating, detoxifying,
neutralizing, remediating or disposing of, or
in any way responding to or assessing the
effects of, "perfluoroalkyl or polyfluoroalkyl
substances", by any insured or by any other
person or entity.

B. The following exclusion is added to Paragraph 2.

Exclusions of Section I – Coverage B – Personal
And Advertising Injury Liability:

2. Exclusions
This insurance does not apply to:

Perfluoroalkyl And Polyfluoroalkyl
Substances
a. "Personal and advertising injury " which
would not have taken place, in whole or in
part, but for the actual, alleged, threatened
or suspected inhalation, ingestion,
absorption, consumption, discharge,
dispersal, seepage, migration, release or
escape o f, contact with, exposure to,
existence of, or presence of , any
"perfluoroalkyl or polyfluoroalkyl
substances".
b. Any loss, cost or expense arising, in whole
or in part, out of the abating, testing for,
monitoring, cleaning up, removing,
containing, trea ting, detoxifying,
neutralizing, remediating or disposing of, or
in any way responding to or assessing the
effects of, "perfluoroalkyl or polyfluoroalkyl
substances", by any insured or by any other
person or entity.

P100.236.644.8
Jose Fernandez
28 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

C. The following definition is added to the Definitions Section:
"Perfluoroalkyl or polyfluoroalkyl substances "
means any:

1. Chemical or substance that contains one or
more alkyl carbons on which hydrogen atoms
have been partially or completely replaced by
fluorine atoms, including but not limited to:
a. Polymer, oligomer, monomer or nonpolymer
chemicals and their homologues, isomers,
telomers, salts, derivatives, precursor
chemicals, degradation products or by -
products;
b. Perfluoroalkyl acids (PFAA), such as
perfluorooctanoic acid (PFOA) and its salts,
or perfluorooctane sulfonic acid (PFOS) and
its salts;
c. Perfluoropolyethers (PFPE);
d. Fluorotelomer-based substances; or
e. Side-chain fluorinated polymers; or

2. Good or product, including containers,
materials, parts or equip ment furnished in
connection with such goods or products , that
consists of or contains any chemical or
substance described in Paragraph C.1.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 21 96 03 05 Includes copyrighted material of Insurance Services Office, Inc., with its permission.

SILICA OR SILICA-RELATED DUST EXCLUSION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. The following exclusion is added to Paragraph 2.,
Exclusions of Section I – Coverage A – Bodily
Injury And Property Damage Liability:

2. Exclusions
This insurance does not apply to:

Silica Or Silica-Related Dust
a. ''Bodily injury'' or ''property damage'' arising,
in whole or in part, out of the actual, alleged,
threatened or suspected inhalation of, or in-
gestion of, ''silica'' or ''silica-related dust''.
b. ''Bodily injury'' or ''property damage'' arising,
in whole or in part, out of the actual, alleged,
threatened or suspected inhalation of, or in-
gestion of, any solid, liquid, gaseous or ther-
mal irritant or contaminant, including smoke,
vapor, soot, fumes, acids, alkalis, chemicals
and waste, and that is part of any claim or
''suit'' which also alleges any ''bodily injury''
or ''property damage '' described in Section

2.a. above. ''silica'' or ''silica-related dust''.
c. Any loss, cost or expense arising, in whole
or in part, out of the abating, testing for, mon-
itoring, cleaning up, removing, containing,
treating, detoxifying, neutralizing, remediat-
ing or disposing of, or in any way responding
to or assessing the effects of, ''silica'' or ''sil-
ica-related dust'', by any insured or by any
other person or entity.

B. The following exclusion is added to Paragraph 2.,
Exclusions of Section I – Coverage B – Personal
And Advertising Injury Liability:

2. Exclusions
This insurance does not apply to:

Silica Or Silica-Related Dust
a. ''Personal and advertising injury '' arising, in
whole or in part, out of the actual, alleged,
threatened or suspected inhalation of, inges-
tion of, contact with, exposure to, existence
of, or presence of, ''silica'' or ''silica-related
dust''.
b. Any loss, cost or expense arising, in whole
or in part, out of the abating, testing for, mon-
itoring, cleaning up, removing, containing,
treating, detoxifying, neutralizing, remediat-
ing or disposing of, or in any way responding
to or assessing the effects of, ''silica'' or ''sil-
ica-related dust'', by any insured or by any
other person or entity.

C. The following definitions are added to the Defini-
tions Section:

1. ''Silica'' means silicon dioxide (occurring in crys- talline, amorphous and impure forms), silica par-
ticles, silica dust or silica compounds.

2. ''Silica-related dust'' means a mixture or combi-
nation of silica and other dust or particles.

P100.236.644.8
Jose Fernandez
29 04/30/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Notices
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 Policyholder Notice
Electronic Delivery

INT N003 CW (01/19)
If you received your insurance policy by email, it is because you have chosen electronic delivery of your policy documents and important notices, including cancellation and nonrenewal notices where permitted by law. We also will send any renewal policy documents to you by email at the address you have provided.

If you are currently receiving paper documents and would like to have ease of retrieval and access and save on storage space, you will need to contact us and update your preferences. Most documents can be sent electronically within minutes. For electronic documents, you will need a computer or mobile device with Internet access and the ability to receive external emails. You also will need software such as Adobe Reader® that allows you to view and save PDF documents, and a printer to create paper copies.

At any time you may request a paper copy of your policy, or you may withdraw your consent to receive documents by email. We will then send documents to you by US mail at no added cost.

You must notify us if your email or street address changes. To update your email or street address, or to request paper documents, please contact us at 888-202-3007.

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

Hiscox Insurance Company Inc.

ECONOMIC AND TRADE SANCTIONS POLICYHOLDER NOTICE

INT N001 CW 01 09 Page 1 of 1

Hiscox is committed to complying with the U.S. Department of Treasury Office of Foreign Assets Control (OFAC) requirements. OFAC administers and enforces economic sanctions policy based on Presidential declarations of national emergency. OFAC has identified and listed numerous foreign agents, front organizations, terrorists, and narcotics traffickers as Specially Designated Nationals (SDN’s) and Blocked Persons. OFAC has also identified Sanctioned Countries. A list of Specially Designated Nationals, Blocked Persons and Sanctioned Countries may be found on the United States Treasury’s web site http://www.treas.gov/offices/enforcement/ofac/.

Economic sanctions prohibit all United States citizens (including corporations and other entities) and permanent resident aliens from engaging in transactions with Specially Designated Nationals, Blocked Persons and Sanctioned Countries. Hiscox may not accept premium from or issue a policy to insure property of or make a claim payment to a Specially Designated National or Blocked Person. Hiscox may not engage in business transactions with a Sanctioned Country.

A Specially Designated National or Blocked Person is any person who is determined as such by the Secretary of Treasury.

A Sanctioned Country is any country that is the subject of trade or economic embargoes imposed by the laws or regulations of the United States.

In accordance with laws and regulations of the United States concerning economic and trade embargoes, this policy may be rendered void from its inception with respect to any term or condition of this policy that violates any laws or regulations of the United States concerning economic and trade embargoes including, but not limited to the following:

(1) Any insured under this Policy, or any person or entity claiming the benefits of such insured, who is or becomes a Specially Designated National or Blocked Person or who is otherwise subject to US economic trade sanctions;

(2) Any claim or suit that is brought in a Sanction ed Country or by a Sanctioned Country government, where any action in connection with such claim or suit is prohibited by US economic or trade sanctions;

(3) Any claim or suit that is brought by any Specia lly Designated National or Blocked Person or any person or entity who is otherwise subject to US economic or trade sanctions;

(4) Property that is located in a Sanctioned Countr y or that is owned by, rented to or in the care, custody or control of a Sanctioned Country government, where any activities related to such property are prohibited by US economic or trade sanctions; or

(5) Property that is owned by, rented to or in the care, custody or control of a Specially Designated National or Blocked Person, or any person or entity who is otherwise subject to US economic or trade sanctions.

Please read your Policy carefully and discuss with your broker/agent or insurance professional. You may also visit the US Treasury’s website at
http://www.treas.gov/offices/enforcement/ofac/ .

Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE

THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS.

INSURER(S) AFFORDING COVERAGE
INSURER F :

INSURER E :

INSURER D :

INSURER C :

INSURER B :

INSURER A :

NAIC #
NAME:

CONTACT
(A/C, No):

FAX
E-MAIL
ADDRESS:

PRODUCER
(A/C, No, Ext):

PHONE

INSURED
REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES
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).

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.

OTHER:
(Per accident)
(Ea accident)
$
$
N / A
SUBR
WVD
ADDL
INSD

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. $ $
$
$PROPERTY DAMAGE
BODILY INJURY (Per accident)
BODILY INJURY (Per person)

COMBINED SINGLE LIMIT
AUTOS

AUTOSAUTOS

NON-OWNED

HIRED AUTOS

SCHEDULEDALL OWNED

ANY AUTO

AUTOMOBILE LIABILITY
Y / N

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY
OFFICER/MEMBER EXCLUDED?
(Mandatory in NH)
DESCRIPTION OF OPERATIONS below
If yes, describe under

ANY PROPRIETOR/PARTNER/EXECUTIVE
$
$
$
E.L. DISEASE - POLICY LIMIT
E.L. DISEASE - EA EMPLOYEE
E.L. EACH ACCIDENT
ER
OTH-

STATUTE
PER

LIMITS(MM/DD/YYYY)

POLICY EXP
(MM/DD/YYYY)

POLICY EFF

POLICY NUMBERTYPE OF INSURANCELTR
INSR
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)

EXCESS LIAB
UMBRELLA LIAB $EACH OCCURRENCE
$AGGREGATE
$
OCCUR

CLAIMS-MADE
DED RETENTION $
$PRODUCTS - COMP/OP AGG
$GENERAL AGGREGATE
$PERSONAL & ADV INJURY
$MED EXP (Any one person)
$EACH OCCURRENCE

DAMAGE TO RENTED
$PREMISES (Ea occurrence)

COMMERCIAL GENERAL LIABILITY

CLAIMS-MADE OCCUR
GEN'L AGGREGATE LIMIT APPLIES PER:

POLICY PRO-

JECT LOC

CERTIFICATE OF LIABILITY INSURANCE

DATE (MM/DD/YYYY)

CANCELLATION

AUTHORIZED REPRESENTATIVE
ACORD 25 (2016/03)
© 1988-2015 ACORD CORPORATION. All rights reserved.

CERTIFICATE HOLDER
The ACORD name and logo are registered marks of ACORD
MTTU
Hiscox Inc. d/b/a/ Hiscox Insurance Agency in CA
5 Concourse Parkway
Suite 2150
Atlanta GA, 30328
(888) 202-3007
[email protected]
Hiscox Insurance Company Inc 10200
Jose Fernandez
1849 15th Ave
San Francisco, CA 94122
City of Alameda, its City Council, boards and commissions, officers and emplo yees
2263 Santa Clara Ave
Alameda, CA 94501
It is understood and agreed that this insurance is primary and any other insurance maintained by the Additional Insured shall be excess only and not contributing with this insurance in regards to all operations as pertains to the named insured. 04/30/202704/30/2026P100.236.644.8YY
X
A
X
X
Each Claim: $ 500,000
Aggregate: $ 1,000,000
Professional LiabilityA 04/30/202704/30/2026P100.234.941.8Y 1,000,000
100,000
5,000
0 2,000,000
S/T Gen. Agg.
06/22/2026
Docusign Envelope ID: 5C8A8C21-CEB8-839B-81B8-2C178CFB5D32 6/24/2026