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 ONLY
AUTOSAUTOS ONLY
NON-OWNED
SCHEDULEDOWNED
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
HIRED
AUTOS ONLY
8/24/2026
Preferred Ins. Services, Inc
4100 Monument Corner Dr., Suite 400
Fairfax VA 22030
Certificate Department
703-667-5940
703-991-4838
[email protected]
Continental Casualty Company
20443
FEDEENG-01
Hartford Fire Insurance Company- Main Carrier Entr
19682
Federal Engineering, Inc.
1800 Alexander Bell Drive STE P-120
Reston VA 20191
Federal Insurance Company
20281
Flagship City Ins Co
35585
784092283
A
X
1,000,000
X
1,000,000
10,000
1,000,000
2,000,000
X
Y
Y
6012243370
7/1/2026
7/1/2027
2,000,000
D
1,000,000
X
X
X
Y
Y
Q80-0033063
7/1/2026
7/1/2027
A
X
X
5,000,000
Y
6012243529
7/1/2026
Y
7/1/2027
5,000,000
X
10,000
B
X
Y
42WECAT0FBL
7/1/2026
7/1/2027
1,000,000
1,000,000
1,000,000
A
C
Tech E&O/Cyber/Media Liability
Theft of Client Property
6012243370
J0714488A
7/1/2026
7/1/2026
7/1/2027
7/1/2027
Each Claim/Aggregate
$5,000 Deductible
5,000,000
500,000
Re: CITY OF BAKERSFIELD, ITS MAYOR, COUNCIL, OFFICERS, AGENTS, EMPLOYEES AND VOLUNTEERS are Additional Insured with respect to General Liability, which includes on-going and completed operations, and Automobile Liability regarding all work performed by the named insured. Waiver of Subrogation in favor of Additional Insureds applies to General Liability, Automobile Liability and Workers’ Compensation. Umbrella Liability Follows form.
Primary & non-contributory wording applies to General Liability as required by written contract. Auto Insurance is primary
CITY OF BAKERSFIELD
OFFICE OF RISK MANAGEMENT
1600 TRUXTUN AVE
BAKERSFIELD CA 93301
Docusign Envelope ID: C59BE288-6FE0-8D9D-80A8-BE2EDFA3C2A9 SB146932G
(Ed. 10-19)
BLANKETADDITIONALINSUREDAND LIABILITYEXTENSIONENDORSEMENT This endorsementmodifiesinsuranceprovidedunderthe following:
BUSINESSOWNERSLIABILITYCOVERAGEFORM
BUSINESSOWNERSCOMMONPOLICYCONDITIONS
TABLEOF CONTENTS
I. BlanketAdditionalInsured Provisions
A. AdditionalInsured– BlanketVendors
B. MiscellaneousAdditionalInsureds
C. AdditionalProvisionsPertinentto AdditionalInsuredCoverage
1.a. Primary– Noncontributoryprovision
1.b. Definitionof "writtencontract"
2. AdditionalInsured– ExtendedCoverage
II. LiabilityExtensionCoverages
A. BodilyInjury– ExpandedDefinition
B. BroadKnowledgeof Occurrence
C. Estates,LegalRepresentativesand Spouses
D. FellowEmployeeFirstAid
E. LegalLiability– Damageto Premises
F. Personaland AdvertisingInjury– Discriminationor Humiliation G. Personaland AdvertisingInjury– BroadenedEviction
H. Waiverof Subrogation– Blanket
I. BLANKETADDITIONALINSUREDPROVISIONS
A. ADDITIONALINSURED– BLANKETVENDORS
Who Is An Insuredis amendedto include asan additionalinsured any person or organization(referredto below as vendor) with whom you agreed under a "written contract" to provide insurance, but only with respect to "bodily injury" or "propertydamage" arising out of "your products" which are distributedor sold in the regular courseof thevendor'sbusiness, subjectto thefollowingadditionalexclusions:
1. The insuranceaffordedthe vendordoes not apply to:
a. "Bodilyinjury" or "propertydamage" for which the vendoris obligatedto pay damagesby reasonof the assumptionof liability in a contract or agreement.This exclusion does not apply to liability for damages that thevendorwould have in the absenceof thecontractor agreement; b. Any expresswarrantyunauthorizedby you;
c. Any physicalor chemicalchangein the productmadeintentionallyby the vendor; d. Repackaging,except when unpackedsolely for the purposeof inspection,demonstration,testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container;
e. Any failure to make such inspections,adjustments,tests or servicingas the vendor has agreed to make or normallyundertakesto make in the usual courseof business,in connectionwith the distributionor sale of theproducts;
f. Demonstration, installation, servicing or repair operations, except such operations performed at the vendor'spremisesin connectionwith the sale of theproduct; g. Productswhich, after distributionor sale by you, have been labeled or relabeledor used as a container, part or ingredientof any other thing or substanceby or for the vendor;or SB146932G(10-19) Page1 of 7
Copyright,CNA All Rights Reserved.
00020007560254491754265
6012243370
Docusign Envelope ID: C59BE288-6FE0-8D9D-80A8-BE2EDFA3C2A9 SB146932G
(Ed. 10-19)
h. "Bodilyinjury" or "propertydamage" arising out of the sole negligenceof the vendor for its own acts or omissionsor those of its employeesor anyoneelse actingon its behalf.However,this exclusiondoes not apply to:
(1) The exceptionscontainedin Subparagraphsd. or f.; or (2) Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakesto make in the usual courseof business,in connectionwith the distributionor sale of the products.
2. This insurance does not apply to any insured person or organization,from whom you have acquired such products,or any ingredient,part or container,enteringinto, accompanyingor containingsuch products.
3. This provision2. does not apply to any vendor included as an insured by an endorsementissued by us and madea part of this Policy.
4. This provision 2. does not apply if "bodily injury" or "property damage" included within the "products- completedoperationshazard" is excludedeitherby the provisionsof the Policyor by endorsement.
B. MISCELLANEOUSADDITIONALINSUREDS
1. Who Is An Insured is amended to include as an insured any person or organization (called additional insured) described in paragraphs 3.a. through 3.j. below whom you are required to add as an additional insuredon this policy undera "writtencontract."
2. However,subject always to the terms and conditionsof this policy, including the limits of insurance,we will not providethe additionalinsuredwith:
a. A higherlimit of insurancethan requiredby such "writtencontract;" b. Coveragebroaderthan requiredby such "written contract" and in no event greater than that described by the applicableparagrapha. throughk. below;or
c. Coverage for "bodily injury" or "property damage" included within the "products-completed operationshazard." But this paragraph c. does not apply to the extent coverage for such liability is providedby paragraph3.j. below.
Any coveragegrantedby this endorsementshall apply only to the extentpermittedby law.
3. Only the followingpersonsor organizationscan qualifyas additionalinsuredsunderthis endorsement:
a. ControllingInterest
Any personsor organizationswith a controllinginterestin you but only with respectto their liability arising out of:
(1) such personor organization'sfinancialcontrolof you; or (2) Premisessuch person or organizationowns, maintainsor controls while you lease or occupy these premises;
provided that the coverage granted to such additional insureds does not apply to structural alterations, new constructionor demolitionoperationsperformedby or for such additionalinsured. b. Co-ownerof InsuredPremises
A co-ownerof a premisesco-ownedby you and coveredunder this insurancebut only with respectto the co-ownersliability for "bodily injury," "propertydamage" or "personaland advertisinginjury" as co- ownerof such premises.
c. Grantorof Franchise
Any person or organizationthat has granted a franchiseto you, but only with respect to such person or organization'sliability for "bodily injury," "propertydamage," or "personaland advertisinginjury" as grantorof a franchiseto you.
SB146932G(10-19) Page2 of 7
Copyright,CNA All Rights Reserved.
Docusign Envelope ID: C59BE288-6FE0-8D9D-80A8-BE2EDFA3C2A9 SB146932G
(Ed. 10-19)
d. Lessorof Equipment
Any person or organizationfrom whom you lease equipment,but only with respect to liability for "bodily injury," "property damage" or "personal and advertisinginjury" caused in whole or in part by your maintenance,operation or use of such equipment, provided that the "occurrence" giving rise to such "bodily injury" or "property damage" or the offense giving rise to such "personal and advertising injury" takes place prior to the terminationof such lease. e. Lessorof Land
Any personor organizationfrom whomyou lease land, but only with respectto liability for "bodilyinjury," "propertydamage" or "personaland advertisinginjury" arising out of the ownership,maintenanceor use of that specific part of the land leased to you, provided that the "occurrence" giving rise to such "bodily injury" or "property damage" or the offense giving rise to such "personal and advertising injury," takes place prior to the terminationof such lease.The insuranceherebyaffordedto the additional insured does not apply to structuralalterations,new constructionor demolitionoperationsperformedby, on behalfof or for such additionalinsured.
f. Lessorof Premises
An owner or lessor of premises leased to you, or such owner or lessor's real estate manager,but only with respect to liability for "bodily injury," "property damage" or "personal and advertising injury" arising out of the ownership, maintenance or use of such part of the premises leased to you, and provided that the "occurrence" giving rise to such "bodily injury" or "propertydamage" or the offense giving rise to such "personaland advertisinginjury," takes place prior to the terminationof such lease.
The insurance hereby afforded to the additional insured does not apply to structural alterations, new constructionor demolitionoperationsperformedby, on behalfof or for such additionalinsured. g. Mortgagee,Assigneeor Receiver
A mortgagee,assignee or receiver of premises but only with respect to such mortgagee, assignee, or receiver's liability for "bodily injury," "propertydamage" or "personal and advertisinginjury" arising out of the ownership,maintenance,or use of a premisesby you.
This insurance does not apply to structural alterations, new construction or demolition operations performedby, on behalfof or for such additionalinsured. h. Stateor PoliticalSubdivisions
A state or government agency or subdivision or political subdivision that has issued a permit or authorization,but only with respect to such governmentagency or subdivision or political subdivision's liabilityfor "bodilyinjury," "propertydamage" or "personaland advertisinginjury" arisingout of:
(1) The following hazards in connection with premises you own, rent, or control and to which this insuranceapplies:
(a) The existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoistaway openings,sidewalkvaults,streetbanners,or decorationsand similarexposures;or (b) The construction,erection,or removalof elevators;or (c) The ownership,maintenanceor use of any elevatorscoveredby this insurance;or (2) The permittedor authorizedoperationsperformedby you or on your behalf.But the coveragegranted by this paragraphdoes not apply to:
(a) "Bodily injury", "property damage" or "personal and advertising injury" arising out of operationsperformedfor the state or governmentagency or subdivisionor political subdivision; or
(b) "Bodily injury" or "property damage" included within the "products-completedoperations hazard."
With respect to this provision's requirement that additional insured status must be requested under a "writtencontract," we will treat as a "writtencontract" any governmentalpermitthat requiresyou to add the governmentalentity as an additionalinsured.
SB146932G(10-19) Page3 of 7
Copyright,CNA All Rights Reserved.
00020007560254491754266
Docusign Envelope ID: C59BE288-6FE0-8D9D-80A8-BE2EDFA3C2A9 SB146932G
(Ed. 10-19)
i. TradeShowEventLessor
With respect to your participation in a trade show event as an exhibitor, presenter or displayer, any personor organizationwhomyou are requiredto includeas an additionalinsured,but only with respectto such person or organization's liability for "bodily injury," "property damage," or "personal and advertisinginjury" causedby:
a. Your acts or omissions;or
b. Acts or omissionsof those actingon your behalf;
in the performanceof your ongoingoperationsat the trade show premisesduringthe trade show event. j. OtherPersonor Organization
Any person or organizationwho is not an additionalinsured under paragraphsa. throughi. above. Such additional insured is an insured solely for "bodily injury," "property damage" or "personal and advertisinginjury" for which such additionalinsuredis liable becauseof your acts or omissions.
The coveragegrantedby this paragraphdoes not apply to any personor organization:
(1) For "bodily injury," "property damage," or "personal and advertisinginjury" arising out of the renderingor failureto renderany professionalservices;
(2) For "bodily injury" or "property damage" included in the "products-completedoperations hazard." But this provision(2) does not apply to such "bodilyinjury" or "propertydamage" if:
(a) It is entirely due to your negligence and specifically results from your work for the additional insuredwhich is the subjectto the "writtencontract"; and (b) The "writtencontract" requiresyou to make the personor organizationan additionalinsuredfor such "bodilyinjury" or "propertydamage"; or
(3) Who is affordedadditionalinsuredcoverageunderanotherendorsementattachedto this policy.
C. ADDITIONALPROVISIONSPERTINENTTO ADDITIONALINSUREDCOVERAGE
1. With respectonly to additionalinsuredcoverageprovidedunderparagraphsA. and B. above:
a. The BUSINESSOWNERSCOMMON POLICY CONDITIONSare amended to add the following to the ConditionentitledOtherInsurance:
This insurance is excess of all other insurance available to an additional insured whether primary, excess,contingentor on any other basis. However,if a "writtencontract" requiresthat this insurancebe either primary or primary and noncontributing,then this insurance will be primary and non-contributory relativesolely to insuranceon which the additionalinsuredis a namedinsured. b. UnderLiabilityand MedicalExpenseDefinitions, the followingdefinitionis added:
"Written contract" means a written contract or agreement that requires you to make a person or organizationan additionalinsuredon this policy,providedthe contractor agreement:
(1) Is currentlyin effect or becomeseffectiveduringthe term of this policy;and (2) Was executedprior to:
(a) The "bodilyinjury" or "propertydamage;" or
(b) The offensethat causedthe "personaland advertisinginjury"; for which the additionalinsuredseeks coverage.
2. With respect to any additionalinsured added by this endorsementor by any other endorsementattached to this CoveragePart, the sectionentitledWhoIs An Insuredis amendedto make the followingnaturalpersons insureds.
If the additionalinsuredis:
a. An individual,then his or her spouseis an insured;
SB146932G(10-19) Page4 of 7
Copyright,CNA All Rights Reserved.
Docusign Envelope ID: C59BE288-6FE0-8D9D-80A8-BE2EDFA3C2A9 SB146932G
(Ed. 10-19)
b. A partnershipor joint venture,then its partners,membersand their spousesare insureds; c. A limitedliabilitycompany,then its membersand managersare insureds; d. An organization other than a partnership, joint venture or limited liability company, then its executive officers,directorsand shareholdersare insureds;or
e. Any type of entity,then its employeesare insureds;
but only with respectto locationsand operationscoveredby the additionalinsuredendorsement'sprovisions, and only with respect to their respective roles within their organizations. Furthermore, employees of additionalinsuredsare not insuredswith respectto liabilityarisingout of:
(1) "Bodily injury" or "personaland advertisinginjury" to any fellow employee or to any natural person listed in paragraphsa. throughd. above;
(2) "Propertydamage" to propertyowned,occupiedor used by their employeror by any fellow employee;or (3) Providingor failing to provideprofessionalhealthcare services.
II. LIABILITYEXTENSIONCOVERAGES
It is understoodand agreed that this endorsementamends the BusinessownersLiability Coverage Form. If any other endorsementattached to this policy amends any provision also amendedby this endorsement,then that other endorsementcontrolswith respectto such provision,and the changesmadeby this endorsementto such provisiondo not apply.
A. Bodilyinjury– ExpandedDefinition
Under Liabilityand Medical ExpensesDefinitions, the definition of "Bodily injury" is deleted and replaced by the following:
"Bodily injury" means physical injury, sickness or disease sustained by a person, including death, humiliation, shock,mentalanguishor mentalinjury by that personat any time which results as a consequenceof the physical injury,sicknessor disease.
B. BroadKnowledgeof Occurrence
Under BusinessownersLiability Conditions, the Condition entitled Duties In The Event of Occurrence,Offense, Claim or Suit is amendedto add the following:
Paragraphsa. and b. above apply to you or to any additional insured only when such "occurrence," offense, claim or "suit" is knownto:
(1) You or any additionalinsuredthat is an individual;
(2) Any partner,if you or an additionalinsuredis a partnership; (3) Any manager,if you or an additionalinsuredis a limitedliabilitycompany; (4) Any "executiveofficer" or insurancemanager,if you or an additionalinsuredis a corporation; (5) Any trustee,if you or an additionalinsuredis a trust; or (6) Any electedor appointedofficial,if you or an additionalinsuredis a politicalsubdivisionor public entity.
This paragraphappliesseparatelyto you and any additionalinsured.
C. Estates,LegalRepresentativesand Spouses
The estates, heirs, legal representativesand spouses of any natural person insured shall also be insured under this policy;provided,however,coverageis affordedto such estates,heirs, legal representativesand spousesonly for claims arising solely out of their capacity as such and, in the case of a spouse, where such claim seeks damages from marital common property, jointly held property, or property transferredfrom such natural person insured to such spouse. No coverage is provided for any act, error or omission of an estate, heir, legal representativeor spouseoutsidethe scope of such person'scapacityas such, providedhoweverthat the spouse of a natural person Named Insured and the spouses of members or partners of joint venture or partnership NamedInsuredsare insuredswith respectto such spouses'acts, errorsor omissionsin the conductof the Named Insured'sbusiness.
SB146932G(10-19) Page5 of 7
Copyright,CNA All Rights Reserved.
00020007560254491754267
Docusign Envelope ID: C59BE288-6FE0-8D9D-80A8-BE2EDFA3C2A9 SB146932G
(Ed. 10-19)
D. FellowEmployeeFirstAid Coverage
In the sectionentitledWhoIs An Insured, paragraph2.a.1.is amendedto add the following:
The limitations described in subparagraphs2.a.1.(a), (b) and (c) do not apply to your "employees" for "bodily injury" that results from providingcardiopulmonaryresuscitationor other first aid services to a co-"employee" or "volunteerworker" that becomesnecessarywhile your "employee" is performingduties in the conduct of your business. Your "employees" are hereby insureds for such services. But the insured status conferred by this provision does not apply to "employees" whose duties in your business are to provide professionalhealth care servicesor healthexaminations.
E. LegalLiability– DamageTo Premises
1. UnderB. Exclusions,1. Applicableto BusinessLiabilityCoverage, Exclusionk. DamageTo Property, is replacedby the following:
k. DamageTo Property
"Propertydamage" to:
1. Property you own, rent or occupy, including any costs or expenses incurred by you, or any other person, organizationor entity, for repair, replacement,enhancement,restorationor maintenanceof such property for any reason, including prevention of injury to a person or damage to another's property;
2. Premisesyou sell, give away or abandon,if the "propertydamage" arises out of any part of those premises;
3. Propertyloanedto you;
4. Personalpropertyin the care, custodyor controlof the insured;
5. That particularpart of any real property on which you or any contractorsor subcontractorsworking directlyor indirectlyin your behalf are performingoperations,if the "propertydamage" arises out of those operations;or
6. That particularpart of any propertythat must be restored,repairedor replacedbecause"your work" was incorrectlyperformedon it.
Paragraph2 of this exclusiondoes not apply if the premisesare "your work" and were never occupied, rentedor held for rentalby you.
Paragraphs1, 3, and 4, of this exclusiondo not apply to "propertydamage" (other than damage by fire or explosion)to premises:
(1) rentedto you:
(2) temporarilyoccupiedby you with the permissionof the owner,or (3) to the contentsof premisesrentedto you for a periodof 7 or fewer consecutivedays.
A separatelimit of insuranceappliesto DamageTo PremisesRentedTo You as describedin SectionD – Liabilityand MedicalExpensesLimits of Insurance.
Paragraphs3, 4, 5, and 6 of this exclusiondo not apply to liabilityassumedundera sidetrackagreement.
Paragraph 6 of this exclusion does not apply to "property damage" included in the "products- completedoperationshazard."
2. UnderB. Exclusions, 1. Applicableto BusinessLiabilityCoverage, the followingparagraphis added,and replaces the similar paragraph, if any, beneath paragraph (14) of the exclusion entitled Personal and AdvertisingInjury:
Exclusionsc, d, e, f, g, h, i, k, l, m, n, and o, do not apply to damageby fire to premiseswhile rented to you or temporarilyoccupiedby you with permissionof the owneror to the contentsof premisesrentedto you for a period of 7 or fewer consecutivedays. A separatelimit of insuranceapplies to this coverageas describedin SectionD. LiabilityAnd MedicalExpensesLimitsOf Insurance.
SB146932G(10-19) Page6 of 7
Copyright,CNA All Rights Reserved.
Docusign Envelope ID: C59BE288-6FE0-8D9D-80A8-BE2EDFA3C2A9 SB146932G
(Ed. 10-19)
3. The first Paragraph under item 5. Damage To Premises Rented To You Limit of the section entitled LiabilityAnd MedicalExpensesLimitsOf Insuranceis replacedby the following:
The most we will pay under Business Liability for damages because of "property damage" to any one premises, while rented to you or temporarily occupied by you with the permission of the owner, including contents of such premises rented to you for a period of 7 or fewer consecutive days, is the Damage to PremisesRentedto You Limit. The Damageto PremisesRentedto You Limit is the greaterof:
a. $1,000,000;or
b. The Damageto PremisesRentedto You Limit shownin the Declarations.
F. Personaland AdvertisingInjury– Discriminationor Humiliation
1. Under Liability and Medical ExpensesDefinitions, the definition of "personal and advertisinginjury" is amendedto add the following:
h. Discriminationor humiliationthat resultsin injury to the feelingsor reputationof a naturalperson,but only if such discriminationor humiliationis:
(1) Not done intentionallyby or at the directionof:
(a) The insured;or
(b) Any "executiveofficer," director,stockholder,partner,memberor manager(if you are a limited liabilitycompany)of the insured;and
(2) Not directly or indirectly related to the employment,prospective employment,past employmentor terminationof employmentof any personor personby any insured.
2. Under B. Exclusions,1. Applicableto BusinessLiabilityCoverage, the exclusion entitled Personaland AdvertisingInjuryis amendedto add the followingadditionalexclusions:
(15)DiscriminationRelatingto Room,Dwellingor Premises
Causedby discriminationdirectlyor indirectlyrelatedto the sale, rental,lease or sub-leaseor prospective sale, rental,lease or sub-leaseof any room,dwellingor premisesby or at the directionof any insured. (16)EmploymentRelatedDiscrimination
Discriminationor humiliation directly or indirectly related to the employment, prospective employment, past employmentor terminationof employmentof any personby any insured. (17)Finesor Penalties
Fines or penaltieslevied or imposedby a governmentalentity becauseof discrimination.
3. This provision (Personal and Advertising Injury – Discrimination or Humiliation) does not apply if Personal and Advertising Injury Liability is excluded either by the provisions of the Policy or by endorsement.
G. Personaland AdvertisingInjury- BroadenedEviction
Under Liability and Medical Expenses Definitions, the definition of "Personal and advertising injury" is amendedto deleteParagraphc. and replaceit with the following:
c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room dwelling or premisesthat a person or organizationoccupiescommittedby or on behalf of its owner, landlord or lessor.
H. Waiverof Subrogation– Blanket
We waive any right of recoverywe may have against:
a. Any personor organizationwith whomyou have a writtencontractthat requiressuch a waiver.
All other termsand conditionsof the Policyremainunchanged.
SB146932G(10-19) Page7 of 7
Copyright,CNA All Rights Reserved.
00020007560254491754268
Docusign Envelope ID: C59BE288-6FE0-8D9D-80A8-BE2EDFA3C2A9 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT
CAREFULLY.
PRIMARY AND NONCONTRIBUTORY-
OTHER INSURANCE CONDITION
This endorsement modifies insurance provided under the following:
BUSINESSOWNERS COMMON POLICY CONDITIONS
The following is added to Paragraph H. Other Insurance 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 provided that:
1. The
additional insured is a Named Insured under such other insurance; and
2. Yo
u have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured.
All other terms and conditions of the Policy remain unchanged.
6/1/2016http://formnet-ci.cna.com/npohtm/scn13510.htm
6012243370
Docusign Envelope ID: C59BE288-6FE0-8D9D-80A8-BE2EDFA3C2A9 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
COMMERCIAL AUTO ENHANCEMENT ENDORSEMENT
(VIRGINIA)
This enhancement endorsement modifies coverage provided in your Virginia Commercial Auto Policy (VACAP; Ed. 9/10) by amending language provided in forms CA0001 (Business Auto Coverage Form; Ed. 3/10), CA0116 (Virginia Changes – Business Auto Coverage Form; Ed. 10/15), and ADVA01 (Xtra Features Policy Change Endorsement; Ed. 3/16). It provides coverage enhancements to the following portions of your Commercial Auto Policy:
SECTION I – COVERED AUTOS
SECTION I – COVERED AUTOS is amended by the
addition of the following Paragraph:
E. Hired Autos
Coverage for hired “autos” is provided for up to 45 day s anywhere in the world, but coverage only applies to hired “autos” when the “auto” is hired, leased, rented or borrowed for use in your business without a driver. However, this coverage does not apply if providing such coverage would be in violation of any economic or trade sanctions of the United States of America.
Physical Damage coverage up to $100,000 actual cash value is provided on an excess basis for “autos” you hire, lease, rent or borrow if there is a covered “auto” we insure on the policy with physical damage coverage. A $500 deductible applies per “loss”.
The following subparts are added to this section:
SECTION II – LIABILITY COVERAGE
Paragraph A.1. Who Is An Insured is amended with the
addition of the following Paragraphs:
d. any employee of yours while using an “auto” you do not own, borrow or hire in your business or personal affairs. e. any organization you newly acquire or form, other than a partnership, joint venture or limited liability company over which you maintain ownership or majority interest
if there is no similar insurance available to that
organization. Coverage is afforded until the 180 th day after you acquire or form the organization or to the end of the policy period, whichever is earlier. Coverage does not apply to “bodily injury ” or “property damage ”
resulting from an “ accident” that occurred before you
acquired or formed the organization.
No person or organization is an “insured” with respect to the conduct of any current or past partnership, join t
venture or limited liability company that is shown as a Named “Insured” in the Declarations.
f. any person or organization with whom you agreed in a written contract, written agreement, or written permit to add as an additional “insured” on your policy is an
additional “insured”. Such person or organ ization is an additional “insured” only with respect to your ownershi p, maintenance or use of an “auto” we insure. Th is
coverage is primary and noncontributory with respect to the additional “insured”.
SECTION III – PHYSICAL DAMAGE
COVERAGE
Paragraph A.4. Coverage Extensions is amended by the
addition of the following:
h. Towing and Labor
We will pay reasonable towing and labor costs up to
$75 per disablement to any covered “ auto” you own
that is insured as a commercial passenger “auto”, or up to $150 per dis ablement for any light or medium duty
truck not exceeding 26,000 pounds gross vehicle
weight. Labor must be done at the sight of the
disablement.
i. Replacement Cost Coverage
We will pay full replacement cost coverage for an y
covered “auto” or “trailer” you own that is involve d in a total “loss” resulting from an “accident” or theft that occurs within 90 days of the purchase date. The
covered “ auto” or “trailer” must have been purchased
new by you (never previously titled), owned by you,
and scheduled on the policy Declarations.
j. Auto Loan/Lease Coverage
In the event of a total “loss” to a covered “auto” show n in the Declarations, we will pay any unpaid amount due
on the lease or loan for a covered “auto”, less:
1. The amount paid under the Physical Damage
Coverage section of the policy; and
2. Any:
a. Overdue lease/loan payments at the time of the
“loss”; and
ERIE INSURANCE
COMMERCIAL AUTO
ACVE01 (Ed. 6/19) UF-C803
Q80-0033063
Docusign Envelope ID: C59BE288-6FE0-8D9D-80A8-BE2EDFA3C2A9 2 b. Financial penalties imposed under a lease for
excessive use, abnormal wear and tear or high
mileage;
c. Security deposits not returned by the lessor;
d. Costs for extended warranties, Credit Life
Insurance, Health, Accident or Disability
Insurance purchased with the loan or lease; and
e. Carry-over balances from previous loans or
leases.
The covered “auto” must have been leased or
purchased new, and not previously titled to another
person or corporation.
You are responsible for any deductibles that may apply. k. Loss of Use Expenses – Income Protection
We will pay up to $200 per day for loss of income
resulting from a Comprehensive or Collision “loss” to a “covered auto” if the “loss” is caused by an interruption of business use of that “auto”. The following
provisions apply:
1. Coverage starts 48 hours after the date of the “loss” that causes the downtime. Downtime refers to the
exact number of days the “covered auto” is down
and cannot be used for business purposes;
2. Payment ends on the date the “auto” is returned to
you in useable condition, or a replacement “auto”
is made available to you . However, this coverage
shall not exceed 30 days from the time payment
begins;
3. You are required to make necessary replacement or
repairs to resume operations as soon as possible;
4. Payment under this coverage will be excess over
any payments made under the Comprehensive or
Collision coverage section of the policy;
5. Coverage does not apply if a similar replacement
vehicle is available that you could use to continue
or resume business operations.
The following additional coverages are provided:
MEDICAL EVACUATION BENEFITS
If an emergency evacuation is required because of injury to you that results from an “accident” to a covered “auto”, and a physician determines that adequate medical care cannot be performed locally if such injuries are suffered outside of the United States, the following benefits and expenses will be provided:
1. medical services required for evacuation to the nearest adequate medical facility;
2. escort services if you are disabled as recommended by a physician;
3. ambulance service to the nearest airport, including air ambulance service upon departure;
4. special transportation costs to return you to the United States, including the cost of a stretcher, oxygen or other supplemental medical devices as deemed necessary by
a physician; and
5. any expenses above the cost of a return airfare ticket held by you, or in the absence of a ticket the cost of an economy airfare ticket.
The maximum benefit payable under this coverage shall not exceed $50,000. However, this coverage does not apply if providing such coverage would be in violation of any
economic or trade sanctions of the United States of America.
REPATRIATION BENEFIT
If you die from injuries suffered in a covered “ accident”, we will pay for expenses incurred for the preparation and
transportation of your body back to the United States. The maximum benefit payable under this coverage shall not
exceed $25,000. However, this coverage does not apply if providing such coverage would be in violation of any
economic or trade sanctions of the United States of America.
The following optional coverage applies only if a premium is shown for COMMERCIAL AUTO ENHANCEMENT
COVERAGE W/TRANSPORTATION EXPENSES on your
Declarations:
ADDITIONAL TRANSPORTATION EXPENSES
4. Coverage Extensions
Paragraph a. Transportation Expenses is deleted in the
policy and policy change endorsement ADVA01 and
replaced by the following:
a. We will pay for temporary transportation expenses
incurred by you resulting from a cover ed “loss” under
Comprehensive coverage, Fire, Theft and Windstorm
coverage, Specified Causes of Loss coverage, and
Collision coverage. We will pay these expenses until:
a. the covered “auto” is returned to you in reasonable condition; or
b. we offer settlement;
whichever comes first. The payment for transportation
expenses resulting from a Comprehensive “loss”, a
Fire, Theft and Windstorm “loss”, or a Specified
Causes of Loss “loss” will not exceed $65 per day nor
total more than $2,925 per “loss” unless a higher limit is purchased. The payment for transportation expenses
resulting from a Collision “loss” will not exceed $65
per day nor total more than $2,925 per “loss” unless a
higher limit is purchased. No waiting period applies.
This coverage is in addition to any Transportation
Expenses Coverage purchased under this policy.
Docusign Envelope ID: C59BE288-6FE0-8D9D-80A8-BE2EDFA3C2A9 3 SECTION IV – BUSINESS AUTO
CONDITIONS
Paragraph A.5. Transfer Of Rights Of Recovery Against
Others To Us is amended by the addition of the following:
We waive any right of recovery we may have against a
person or organization identified as an Additional Insured because of payments we make for injury or damage arising out of the ownership, maintenance or use of an “auto” under a contract with that Additional Insured.
Docusign Envelope ID: C59BE288-6FE0-8D9D-80A8-BE2EDFA3C2A9 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
WAIVER OF OUR RIGHT TO RECOVER
FROM OTHERS ENDORSEMENT
Endorsement Number: Policy Number: 42 WEC AT0FBL
Effective Date: 07/01/26 Effective hour is the same as stated on the Information Page of the policy.
Named Insured and Address: Federal Engineering Inc.
1800 Alexander Bell Drive STE P-120
Reston VA 20191
We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule.
This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule.
SCHEDULE
Any person or organization for whom you are required by contract or agreement to obtain this waiver from us.
Endorsement is not applicable in KY, NH, NJ or for any MO construction risk Form WC 00 0313 Printed in
U.S.A. Process Date: 05/22/25
Countersigned by --------------------
Authorized Representative
Policy Expiration Date: 07/01/27
Docusign Envelope ID: C59BE288-6FE0-8D9D-80A8-BE2EDFA3C2A9