Lake Elsinore City Council
July 8, 2025

1 Agreement No. __________

AGREEMENT FOR PUBLIC WORKS CONSTRUCTION
Aneen Construction Inc.

For the
Camino Del Norte Sewer Extension Project
CIP PROJECT NO. Z30016
This Agreement for Public Works Construction (“Agreement”) is made and entered into as of January 28, 2025 by and between the City of Lake Elsinore, a municipal corporation (“City”) and Aneen Construction Inc., a Corporation (“Contractor”).

The City and Contractor, in consideration of the mutual promises and covenants set forth herein, agree as follows:

1. The Project and Project Documents. Contractor agrees to construct the following public improvements (“work”) identified as:

Camino Del Norte Sewer Extension (the “Project”)
The City-approved plans for the construction of the Project, which are incorporated herein by reference and prepared by Ardurra Engineering, are identified as:

Camino Del Norte Sewer Extension
The Project Documents include this Agreement and all of the following: (1) the Notice Inviting Bids, Instructions to Bidders, Bid Documents including Bidder’s Proposal as submitted by the Contractor, Contract Documents, General Specifications, Special Provisions, and all attachments and appendices; (2) everything referenced in such documents, such as specifications, details, standard plans or drawings and appendices, including all applicable State and Federal requirements; (3) all required bonds, insurance certificates, permits, notices, and affidavits; and (4) any and all addenda or supplemental agreements clarifying, amending or extending the work contemplated as may be required to insure completion in an acceptable manner. All of the provisions of the above-listed documents are made a part of this Agreement as though fully set forth herein.

2. Compensation.
a. For and in consideration of the payments and agreements to be made and performed by City, Contractor agrees to construct the Project, including furnishing all materials and performing all work required for the Project, and to fulfill all other obligations as set forth in the Bidder’s Proposal, such contract price being Eight-Hundred Fifty-One Thousand Seven-Hundred Eighty and 00/100 dollars ($851,780.00).

Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E 2 b. City hereby promises and agrees to employ, and does hereby employ, Contractor to provide the materials, do the work, and fulfill the obligations according to the terms and conditions herein contained and referred to, for the prices set forth, and hereby contracts to pay the same at the time, in the manner, and upon the conditions set forth in the Project Documents.
c. Contractor agrees to receive and accept the prices set forth in the Bidder’s Proposal as full compensation for furnishing all materials, performing all work, and fulfilling all obligations hereunder. Such compensation shall cover all expenses, losses, damages, and consequences arising out of the nature of work during its progress or prior to its acceptance including those for well and faithfully completing the work and the whole thereof in the manner and time specified in the Project Documents; and also including those arising from actions of the elements, unforeseen difficulties or obstructions encountered in the prosecution of the work, suspension or discontinuance of the work, and all other unknowns or risks of any description connected with the work.

3. Completion of Work.
a. Contractor shall perform and complete all work within Sixty (60) working days from the date of commencement specified in the Notice to Proceed, and shall provide, furnish and pay for all the labor, materials, necessary tools, expendable equipment, and all taxes, utility and transportation services required for construction of the Project. b. All work shall be performed and completed in a good workmanlike manner in strict accordance with the drawings, specifications and all provisions of this Agreement as hereinabove defined and in accordance with applicable laws, codes, regulations, ordinances and any other legal requirements governing the Project.
c. Contractor shall not be excused with respect to the failure to so comply by any act or omission of the City, the City Engineer, a City inspector, or a representative of any of them, unless such act or omission actually prevents the Contractor from fully complying with the requirements of the Project Documents, and unless the Contractor protests at the time of such alleged prevention that the act or omission is preventing the Contractor from fully complying with the Project Documents. Such protest shall not be effective unless reduced to writing and filed with the City within three (3) working days of the date of occurrence of the act or omission preventing the Contractor from fully complying with the Project Documents. d. City and Contractor recognize that time is of the essence in the performance of this Agreement and further agree that if the work called for under the Agreement is not completed within the time hereinabove specified, damages will be sustained by the City and that, it is and will be impracticable or extremely difficult to ascertain and determine the actual amount of damages the City will sustain in the event of, and by reason of, such delay. It is, therefore, agreed that such damages shall be presumed to be in the amount of One Thousand dollars ($1,000.00) per calendar day, and that the Contractor will pay to the City, or City may retain from amounts otherwise payable to Contractor, such amount for each calendar day by which the Contractor fails to complete the work, including corrective items of work, under this Agreement within the time hereinabove specified and as adjusted by any changes to the work.

Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E 3 4. Changes to Work. City and Contractor agree that the City may make changes to the work, or suspend the work, and no matter how many changes, such changes or suspensions are within the contemplation of the Contractor and City and will not be a basis for a compensable delay claim against the City nor be the basis for a liquidated damage claim against the Contractor.

Any change to the work shall be by way of a written instrument (“change order”) signed by the City and the Contractor, stating their agreement to the following:
a. The scope of the change in the work;
b. The amount of the adjustment to the contract price; and c. The extent of the adjustment to the Schedule of Performance.

The City Engineer is authorized to sign any change order provided that sufficient contingency funds are available in the City’s approved budget for the Project. All change in the work authorized by the change order shall be performed under the applicable conditions of the Project Documents. City and Contractor shall negotiate in good faith and as expeditiously as possible the appropriate adjustments for such changes.

5. Bonds. Contractor shall provide, before commencing work, a Faithful Performance Bond and a Labor and Material Bond, each for one-hundred percent (100%) of the contract price in the form that complies with the Project Documents and is satisfactory to the City Attorney.

6. Non-Assignability. Neither this Agreement nor any rights, title, interest, duties or obligations under this Agreement may be assigned, transferred, conveyed or otherwise disposed of by Contractor without the prior written consent of City.

7. Licenses. Contractor represents and warrants to City that it holds the contractor’s license or licenses set forth in the Project Documents, is registered with the Department of Industrial Relations pursuant to Labor Code Section 1725.5, and holds such other licenses, permits, qualifications, insurance and approvals of whatsoever nature which are legally required of Contractor. Contractor represents and warrants to City that Contractor shall, at its sole cost and expense, keep in effect or obtain at all times during the term of this Agreement, any licenses, permits, insurance and approvals which are legally required of Contractor to practice its profession. Contractor shall maintain a City of Lake Elsinore business license.

8. Indemnity. Contractor shall indemnify, defend, and hold harmless the City and its officials, officers, employees, agents, the County and Board Supervisors, and volunteers from and against any and all losses, liability, claims, suits, actions, damages, and causes of action arising out of any personal injury, bodily injury, loss of life, or damage to property, or any violation of any federal, state, or municipal law or ordinance, to the extent caused, in whole or in part, by the willful misconduct or negligent acts or omissions of Contractor or its employees, subcontractors, or agents, by acts for which they could be held strictly liable, or by the quality or character of their work. The foregoing obligation of Contractor shall not apply when (1) the injury, loss of life, damage to property, or violation of law arises from the sole negligence or willful misconduct of the City or its officers, employees, agents, or volunteers and (2) the actions of Contractor or its employees, subcontractor, or agents have contributed in no part to the injury, loss of life, damage to
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E 4 property, or violation of law. It is understood that the duty of Contractor to indemnify and hold harmless includes the duty to defend as set forth in Section 2778 of the California Civil Code.

Acceptance by City of insurance certificates and endorsements required under this Agreement does not relieve Contractor from liability under this indemnification and hold harmless clause.

This indemnification and hold harmless clause shall apply to any damages or claims for damages whether or not such insurance policies shall have been determined to apply. By execution of this Agreement, Contractor acknowledges and agrees to the provisions of this Section and that it is a material element of consideration.

9. Insurance Requirements.
a. Insurance. Contractor, at Contractor’s own cost and expense, shall procure and maintain, for the duration of the Agreement, unless modified by the City’s Risk Manager, the following insurance policies.
i. Workers’ Compensation. Coverage. Contractor shall maintain Workers’ Compensation Insurance and Employer’s Liability Insurance for his/her employees in accordance with the laws of the State of California. In addition, Contractor shall require each subcontractor to similarly maintain Workers’ Compensation Insurance and Employer’s Liability Insurance in accordance with the laws of the State of California for all of the subcontractor’s employees. Any notice of cancellation or non-renewal of all Workers’ Compensation policies must be received by the City at least thirty (30) days prior to such change. The insurer shall agree to waive all rights of subrogation against City, its officers, agents, employees and volunteers for losses arising from work performed by Contractor for City. In the event that Contractor is exempt from Worker’s Compensation Insurance and Employer’s Liability Insurance for his/her employees in accordance with the laws of the State of California, Contractor shall submit to the City a Certificate of Exemption from Workers Compensation Insurance in a form approved by the City Attorney.
ii. Commercial General Liability Coverage. Contractor shall maintain commercial general liability insurance in an amount not less than one million dollars ($1,000,000) per occurrence for bodily injury, personal injury and property damage. If a commercial general liability insurance form or other form with a general aggregate limit is used, either the general aggregate limit shall apply separately to the work to be performed under this Agreement or the general aggregate limit shall be at least twice the required occurrence limit. Required commercial general liability coverage shall be at least as broad as Insurance Services Office Commercial General Liability occurrence form CG 0001 (ed. 11/88) or Insurance Services Office form number GL 0002 (ed. 1/73) covering comprehensive General Liability and Insurance Services Office form number GL 0404 covering Broad Form Comprehensive General Liability. No endorsement may be attached limiting the coverage.
iii. Automobile Liability Coverage. Contractor shall maintain automobile liability insurance covering bodily injury and property damage for all activities of the Contractor arising out of or in connection with the work to be performed under this Agreement, including coverage for owned, hired and non-owned vehicles, in an amount of not less than one million dollars ($1,000,000) combined single limit for each occurrence. Automobile liability coverage must be at least as broad as Insurance Services Office Automobile Liability form CA 0001 (ed. 12/90) Code 1 (“any auto”). No endorsement may be attached limiting the coverage.

Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E 5 iv. Builder’s Risk Coverage. Prior to the commencement of any construction of the Project, Design-Builder shall obtain (or cause to be obtained) and keep in force during the term of any construction, builder’s risk insurance insuring for all risks of physical loss of or damage (excluding the perils of earthquake and flood). b. Endorsements. Each general commercial liability and automobile liability insurance policy shall be with insurers possessing a Best’s rating of no less than A:VII and shall be endorsed with the following specific language:
i. The City, its elected or appointed officers, officials, employees, agents and volunteers are to be covered as additional insured with respect to liability arising out of work performed by or on behalf of the Contractor, including materials, parts or equipment furnished in connection with such work or operations. ii. This policy shall be considered primary insurance as respects the City, its elected or appointed officers, officials, employees, agents and volunteers. Any insurance maintained by the City, including any self-insured retention the City may have, shall be considered excess insurance only and shall not contribute with it. iii. This insurance shall act for each insured and additional insured as though a separate policy had been written for each, except with respect to the limits of liability of the insuring company.
iv. The insurer waives all rights of subrogation against the City, its elected or appointed officers, officials, employees or agents. v. Any failure to comply with reporting provisions of the policies shall not affect coverage provided to the City, its elected or appointed officers, officials, employees, agents or volunteers.
vi. The insurance provided by this Policy shall not be suspended, voided, canceled, or reduced in coverage or in limits except after thirty (30) days written notice has been received by the City.
c. Deductibles and Self-Insured Retentions. Any deductibles or self-insured retentions must be declared to and approved by the City. At the City’s option, Contractor shall demonstrate financial capability for payment of such deductibles or self-insured retentions. d. Certificates of Insurance. Contractor shall provide certificates of insurance with original endorsements to City as evidence of the insurance coverage required herein.

Certificates of such insurance shall be filed with the City on or before commencement of Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E 6 performance of this Agreement. Current certification of insurance shall be kept on file with the City at all times during the term of this Agreement.

10. Notices. Any notice required to be given under this Agreement shall be in writing and either served personally or sent prepaid, first class mail. Any such notice shall be addressed to the other party at the address set forth below. Notice shall be deemed communicated within 48 hours from the time of mailing if mailed as provided in this section.

If to City: City of Lake Elsinore
Attn: City Manager
130 South Main Street
Lake Elsinore, CA 92530
With a copy to: City of Lake Elsinore
Attn: City Clerk
130 South Main Street
Lake Elsinore, CA 92530
If to Contractor: Aneen Construction Inc.

Attn: Tamer Khalil
9860 Indiana Ave. # 18
Riverside, CA 92503

11. Entire Agreement. This Agreement constitutes the complete and exclusive statement of agreement between the City and Contractor. All prior written and oral communications, including correspondence, drafts, memoranda, and representations, are superseded in total by this Agreement.

12. Amendments. This Agreement may be modified or amended only by a written document executed by both Contractor and City and approved as to form by the City Attorney.

13. Assignment and Subcontracting. Contractor shall be fully responsible to City for all acts or omissions of any subcontractors. Assignments of any or all rights, duties for obligations of the Contractor under this Agreement will be permitted only with the express consent of the City. Nothing in this Agreement shall create any contractual relationship between City and any subcontractor nor shall it create any obligation on the part of the City to pay or to see to the payment of any monies due to any such subcontractor other than as otherwise is required by law.

14. Waiver. Waiver of a breach or default under this Agreement shall not constitute a continuing waiver of a subsequent breach of the same or any other provision under this Agreement.

15. Severability. If any term or portion of this Agreement is held to be invalid, illegal, or otherwise unenforceable by a court of competent jurisdiction, the remaining provisions of this Agreement shall continue in full force and effect.

16. Controlling Law Venue. This Agreement and all matters relating to it shall be governed by the laws of the State of California and any action brought relating to this Agreement shall be held exclusively in a state court in the County of Riverside.

Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E 7 17. Litigation Expenses and Attorneys’ Fees. If either party to this Agreement commences any legal action against the other party arising out of this Agreement, the prevailing party shall be entitled to recover its reasonable litigation expenses, including court costs, expert witness fees, discovery expenses, and attorneys’ fees.

18. Mediation. The parties agree to make a good faith attempt to resolve any disputes arising out of this Agreement through mediation prior to commencing litigation. The parties shall mutually agree upon the mediator and share the costs of mediation equally. If the parties are unable to agree upon a mediator, the dispute shall be submitted to JAMS or its successor in interest. JAMS shall provide the parties with the names of five qualified mediators. Each party shall have the option to strike two of the five mediators selected by JAMS and thereafter the mediator remaining shall hear the dispute. If the dispute remains unresolved after mediation, either party may commence litigation.

19. Authority to Enter Agreement and Administration. Contractor has all requisite power and authority to conduct its business and to execute, deliver, and perform the Agreement. Each party warrants that the individuals who have signed this Agreement have the legal power, right, and authority to make this Agreement and to bind each respective party. The City Manager is authorized to enter into an amendment or otherwise take action on behalf of the City to make the following modifications to the Agreement: (a) a name change; (b) grant extensions of time; (c) non-monetary changes in the scope of services; and/or (d) suspend or terminate the Agreement. The City Engineer shall act as the Project administrator on behalf of the City.

20. Prohibited Interests. Contractor maintains and warrants that it has not employed nor retained any company or person, other than a bona fide employee working solely for Contractor, to solicit or secure this Agreement. Further, Contractor warrants that it has not paid nor has it agreed to pay any company or person, other than a bona fide employee working solely for Contractor, any fee, commission, percentage, brokerage fee, gift or other consideration contingent upon or resulting from the award or making of this Agreement. For breach or violation of this warranty, City shall have the right to rescind this Agreement without liability. For the term of this Agreement, no member, officer or employee of City, during the term of his or her service with City, shall have any direct interest in this Agreement, or obtain any present or anticipated material benefit arising therefrom.

21. Equal Opportunity Employment. Contractor represents that it is an equal opportunity employer and it shall not discriminate against any subcontractor, employee or applicant for employment because of race, religion, color, national origin, handicap, ancestry, sex or age. 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.

22. Prevailing Wages.
a. Contractor and all subcontractors shall adhere to the general prevailing rate of per diem wages as determined and as published by the State Director of the Department of Industrial Relations pursuant to Labor Code Sections 1770, 1773, and 1773.2. Copies of these rates and the latest revisions thereto are on file in the office of the City Clerk of the City of Lake Elsinore and are available for review upon request.

Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E 8 b. Contractor's attention is directed to the provisions of Labor Code Sections 1774, 1775, 1776, 1777.5 and 1777.6. Contractor shall comply with the provisions of these Sections. The statutory provisions for penalties for failure to comply with the State's wage and the hours laws will be enforced.
c. Labor Code Sections 1774 and 1775 require the Contractor and all subcontractors to pay not less than the prevailing wage rates to all workmen employed in the execution of the contract and specify forfeitures and penalties for failure to do so. The minimum wages to be paid are those determined by the State Director of the Department of Industrial Relations. Labor Code Section 1776 requires the Contractor and all subcontractors to keep accurate payroll records, specifies the contents thereof, their inspection and duplication procedures and certain notices required of the Contractor pertaining to their location. The statutory penalties for failure to pay prevailing wages will be enforced. If the Project has been awarded to Contractor on or after April 1, 2015, Contractor and its subcontractors must furnish electronic certified payroll records to the Labor Commissioner. Beginning January 1, 2016, Contractor and its subcontractors must furnish electronic certified payroll records to the Labor Commissioner without regard to when the Project was awarded to Contractor. d. Labor Code Section 1777.5 requires Contractor or subcontractor employing tradesmen in any apprenticeable occupation to apply to the Joint Apprenticeship Committee nearest the site of the public works project, which administers the apprenticeship program in that trade for a certificate of approval. The certificate will also fix the ratio of apprentices to journeymen to be used in the performance of the Agreement. The Contractor is required to make contributions to funds established for the administration of apprenticeship programs if the Contractor employs registered apprentices or journeymen in any apprenticeable trade and if other contractors on the public works site are making such contributions.

Information relative to apprenticeship standards, contributions, wage schedules and other requirements may be obtained from the State Director of Industrial Relations or from the Division of Apprenticeship Standards. Labor Code Section 1777.6 provides that it shall be unlawful to refuse to accept otherwise qualified employees as registered apprentices solely on the grounds of race, religious creed, color, national origin, ancestry, sex, or age. e. Eight hours labor constitutes a legal day's work, as set forth in Labor Code Section 1810.

23. Execution. This Agreement may be executed in several counterparts, each of which shall constitute one and the same instrument and shall become binding upon the parties when at least one copy hereof shall have been signed by both parties hereto. In approving this Agreement, it shall not be necessary to produce or account for more than one such counterpart. [Signatures on next page]
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E 9 IN WITNESS WHEREOF, the parties have caused this Agreement to be executed on the date first written above.
“CITY”
CITY OF LAKE ELSINORE, a municipal
corporation
“CONTRACTOR”
Aneen Construction Inc., a Corporation
City Manager
ATTEST:

By: Tamer Khalil
Its: President
City Clerk
APPROVED AS TO FORM:

City Attorney
Assistant City Manager
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EXHIBIT A
CONTRACTOR’S PROPOSAL
[ATTACHED]
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CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

SECTION C

BID DOCUMENTS

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CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-1
BIDDER’S PROPOSAL

CAMINO DEL NORTE SEWER EXTENSION
CIP PROJECT NO. Z30016

Company: _________________________________________________ Honorable Mayor, Members of the Council:

In accordance with the Notice Inviting Bids pertaining to the receiving of bid proposals by the City of Lake Elsinore for the above titled improvement, the undersigned hereby proposes to furnish all Work to be performed in accordance with the Specifications, Standard Drawings, and the Contract Documents, for the unit price or lump sum set forth in the following schedule:

Time of Completion: Sixty (60) Working Days from Issuance of Notice to Proceed (NTP) by City to Contractor.

1. BID SCHEDULE A

ITEM
NO. ITEM DESCRIPTION UNIT QUANTITY UNIT

COST TOTAL COST

GENERAL ITEMS

1. MOBILIZATION, BONDS, PERMITS, CLEANUP, AND
DEMOBILIZATION (NOT TO EXCEED 5% OF BID). LS 1

2. TEMPORARY EROSION CONTROL/STORM WATER
POLLUTION PREVENTION PLAN (SWPPP) LS 1

3. TRAFFIC CONTROL AND PUBLIC CONVENIENCE. LS 1

4. PRE/POST-CONSTRUCTION VIDEOTAPES AND
PHOTOGRAPHS LS 1

5. EXCAVATION SAFETY MEASURES LS 1

6. POTHOLE UTILITIES LS 1

7. CONSTRUCTION SURVEYING AND STAKING LS 1

8. PROVIDE AS-BUILT DRAWINGS LS 1

SEWER CONSTRUCTION

9. CONSTRUCT 8” SDR -35 PVC SEWER, TRENCHING,
BACKFILL AND BEDDING PER EVMWD STD. DWG. S-
1A AND S-3
LF 541

10. CONSTRUCT 8” C900 DR25 PVC SEWER,

TRENCHING, BACKFILL AND BEDDING PER EVMWD
STD. DWG. S-1A AND S-3
LF 707

11. CONSTRUCT 60” PRECAST CONCRETE MANHOLE
AND COVER PER EVMWD STD. DWG. S-5 AND S-9 EA 6

12. NON-RIPPABLE GRANITIC ROCK REMOVAL
ALLOWANCE CY 250

13. REMOVE AND DISPOSE OF EXISTING 48” MANHOLE EA 1

14. INSTALL 8” END CAP EA 1

15. GEOTECHNICAL BORING REPAIR. GRIND 2” OVER

PATCH AND ONE FOOT AROUND PATCH AND PAVE

PER SPECIFICATIONS
EA 3

16. CONSTRUCT TRENCH PAVEMENT REPAIR PER
CITY OF LAKE ELSINORE STD. DWG. 602 AND

RESTORE PAVEMENT MARKINGS
SF 18,000

158,400

8.8 1,000
1,000
500
500
4,000
4,000
25,000
100
138,000
23,000
219,170
310
167,710
310
5,000
5,000
10,000
10,000
10,000
10,000
30,000
30,000
6,000
6,000
30,000
30,000
10,000
10,000
35,000
35,000
ANEEN CONSTRUCTION, INC.

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CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-2

TOTAL BID PRICE:

Note: Estimated quantities are for the purpose of Bid comparison only; payments will be made on the basis of actual measurement of Work completed, except for lump sum (LS) and final pay (F) quantities. (S) denotes a specialty item. The Bid Price shall include, but not be limited to, sales tax and all other applicable taxes and fees.

All work described on the plans and in the specifications and other incidentals necessary to complete the project shall be paid under items above. No additional payments will be allowed.

*BID MAY BE REJECTED IF TOTAL IS NOT SHOWN FOR BOTH FIGURES AND WORDS.

TOTAL BID PRICE BASED ON BID SCHEDULE TOTAL OF UNIT PRICES FOR

CAMINO DEL NORTE SEWER EXTENSION
CIP PROJECT NO. Z30016

$
Total Bid Price in Numbers

$
Total Bid Price in Written Form

In case of discrepancy between the written price and the numerical price, the written price shall prevail.

EIGHT HUNDRED FIFTY ONE THOUSEND, SEVEN

HUNDRED EIGHTY DOLLARS
851,780.00
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CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-3

The undersigned agrees to enter into and execute a contract, with necessary bonds, at the unit prices set forth herein and in case of default in executing such contract, with necessary bonds, the check or bond accompanying this bid and the money payable thereon shall be forfeited thereby to and remain the property of the City of Lake Elsinore.

The above unit prices include all work appurtenant to the various items as outlined in the Specifications and all work or expense required for the satisfactory completion of said items. In case of discrepancies between unit prices and totals, the unit prices shall govern.

The undersigned declares that it has carefully examined the Plans, Specifications, and Contract Documents, and has investigated the site of the work and is familiar with the conditions thereon.

Contractor

Date: _______________________________ By: ___________________________________

Contractor’s State License No.: _______________________________

Class: ___________________________________________________

Department of Industrial Relations Registration No: ___________________________________

Registration Date: _________________________ Expiration Date: ______________________

Address: ____________________________________________________________________

Phone:

FAX:
909.913.3024
9938 MAGNOLIA AVE EIVERSIDE, CA 92503

06.30.26 06.30.23
1000033880
A
1004775

TAMER KHALIL

10.22.24 ANEEN CONSTRUCTION, INC.

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CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-4

ACKNOWLEDGMENT OF ADDENDA RECEIVED

CAMINO DEL NORTE SEWER EXTENSION
CIP PROJECT NO. Z30016

The Bidder shall acknowledge the receipt of addenda by placing an "X" by each addendum received.

Addendum No. 1
Addendum No. 2
Addendum No. 3
Addendum No. 4

If an addendum or addenda have been issued by the City and not noted above as being received by the Bidder, the Bid Proposal may be rejected.

Bidder’s Signature Date

____________________________________ ____________________ Print Name Title

PRESIDENT

10.22.24 TAMER KHALIL
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CITY OF LAKE ELSINORE
CIP PROJECT NO. Z3OO16
NON.COLLUSION AFFIDAVIT

CAMINO DEL NORTE SEWER EXTENSION
CIP PROJEGT NO. Z3OO16

STATE OF CALIFORNIA )
)SS
)couNryoF UtWXlnS
(NAME) TAMER KFALIL
aflant being first duly sworn, deposes and says:

ThAt hE Or ShE iS PRESIDENT of
(sole owner, partner or other proper title)
ANEEN CONSTRUCTION, INC. the party making the foregoing Bid, that the Bid is nc,t made in the interest of, or on behalf of, any undisclosed person, partnership, company, association, organization, or corporation; that the Bid is genuine and not collusive or sham; that the Bidder has not directly or indirectly induced or solicited any other Bidder to put in a false or sham Bid, and has not directly or indirectly colluded, conspired, connived, or agreed with any Bidder or anyone else to put in a sham Bid, or that anyone shall refrain from bidding; that the Bidder has not ir any manner, directly or indirectly sought by agreement, communication, or conference with anyone to fix the bid price of the Bidder or any other Bidder, or to fix any overhead, profit, or cost element of the bid price, or of that of any other Bidder, or to secure any advantage against the public. body awarding the Contract of anyone interested in the proposed Contract; that all statements contained in the Bid are true; and, further, that the Bidder has not, directly or indirectly, submitted his or her bid price or any breakdown thereof, or the contents thereof, or divulged information or daE relative thereto, or paid, and will not pay, any fee to any corporation, partnership, company associations, organization, bid depository, or to any member or agent thereof to effectuate a collusive or shrn Bid. (Public Contract Code Section 7106) Address: 9938 MAGNOLIAAVE. RIVERSIDE, CA92503
Telephone No.: 909.913.3024
Print N
Tit|e: PRESIDENT Date: 10.22.24

SIGNING INSTRUCTIONS TO THE GONTRACTOR
Non-Collusion Affidavit must be accompanied by notary certificates for signature. Note the description of the document on the notary ceftificate. Attach notarv certificate immediatelv followino this oaoe. If the Bidder fails to properly sign or omits the required signature, the bid will be considered non-responsive and will be rejected. c-5
Signature:

Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E notary public or other officer completing this
,rtificate verifies only the identity of the individual signed the document to which this certiflcate
is attacred, and not the truthfulness, accuracy, or
of that document.

State of California
County of RIVERSIDE
Subscribed and sworn to (or affirmed) before me on this 22ND dayof OCTOBER 2024 , by TAMER KHALIL
proved to me on the basis of satisfactory evidence to be the person(s)who appeared before me.
*---: "
;ffi,-?:ei,rpr-^6
?f#,ffi#,g--muiffi [!b:[t'i,fl':Ui_ffilqffiiflplL?J*,fi (Seal) Signature
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-6

BOND NO.

BIDDER'S BOND

CAMINO DEL NORTE SEWER EXTENSION

CIP PROJECT NO. Z30016

KNOW ALL MEN OR WOMEN BY THESE PRESENTS:

That we , as PRINCIPAL,

hereinafter referred to as "Contractor", and
a duly authorized corporate as "Surety," are held and firmly bound unto the City of Lake Elsinore in the penal sum of TEN PERCENT (10%) OF THE TOTAL AMOUNT OF THE BID of the Contractor above named, submitted by said Contractor to the City of Lake Elsinore for the work for said project entitled above, for the payment of which sum in lawful money of the United States, well and truly to be made, to the City of Lake Elsinore to which said bid was submitted, we bind ourselves, our heirs, executors, administrators and successors, jointly and severally, firmly by these presents. In no case shall the liability of the surety hereunder exceed the amount of ___________________.

THE CONDITION OF THIS OBLIGATION IS SUCH:

That whereas the Contractor has submitted the above-mentioned Bid to the City of Lake Elsinore as aforesaid for the work for said project entitled above.

NOW, THEREFORE, if the aforesaid Contractor is awarded the Contract and, within the time and manner required under the Contract documents, after the prescribed forms are presented to him or her for signature, enters into a written Agreement in the prescribed form and in accordance with the Contract documents, and files two bonds with the City of Lake Elsinore, one to guarantee faithful performance and the other to guarantee payment for labor and materials, in accordance with said Contract documents, and as required by law, and files the required insurance certificate(s) in accordance with said Contract documents, then this obligation shall be null and void; otherwise, it shall be and remain in full force and effect until execution of the Agreement or forfeiture pursuant to the Provisions of Sections 20172 and 20174 of the Public Contract Code.

In the event suit is brought upon this bond by the City and judgment is recovered, the Surety shall pay all costs incurred by the City in such suit, including a reasonable attorney fee to be fixed by the court.

(SIGNATURE PAGE FOLLOWS)
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-7

BIDDER’S BOND SIGNATURE PAGE

CAMINO DEL NORTE SEWER EXTENSION

CIP PROJECT NO. Z30016

IN WITNESS WHEREOF, we have hereunto set our hands and seals on this day of , 20____

BIDDER: CORPORATE SURETY:

Contractor Name: Company Name:

Address: Address:

Telephone No.: Telephone No.:

Print Name: Print Name:

Title: Title:

Signature: Signature:

Date: Date:

SIGNING INSTRUCTIONS TO THE CONTRACTOR

Bidder’s Bond must be accompanied by notary certificates for EACH signature. Note the description of the document on the notary certificate. Attach BOTH notary certificates immediately following this page.

Corporate Seal may be affixed hereto.

The attorney-in-fact for corporate surety must be registered, as such, in at least one county in the State of California. Attach one original Power of Attorney immediately following the notary certificates.

If the Bidder fails to properly sign or omits the required signatures, the bid will be considered non-responsive and will be rejected.

Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-8

LIST OF SUBCONTRACTORS

CAMINO DEL NORTE SEWER EXTENSION

CIP PROJECT NO. Z30016

The bidder is required to fill in the following blanks in accordance with the provisions of the Subletting and Subcontracting Fair Practices Act (Chapter 2 of Division 5, Title 1 of the Government Code of the State of California) and should familiarize itself with Sections 2-3 of the Standard Specifications.

Name Under Which Subcontractor is Licensed: ______________________________________ ____________________________________________________________________________ License Number: _______________________
Address of Office, Mill or Shop: ___________________________________________________ Specific Description of Sub-Contract: and Bid Items of Work:____________________________ ____________________________________________________________________________

Name Under Which Subcontractor is Licensed: ______________________________________ ____________________________________________________________________________ License Number: _______________________
Address of Office, Mill or Shop: ___________________________________________________ Specific Description of Sub-Contract: and Bid Items of Work ____________________________ ____________________________________________________________________________

Name Under Which Subcontractor is Licensed: ______________________________________ ____________________________________________________________________________ License Number: _______________________
Address of Office, Mill or Shop: ___________________________________________________ Specific Description of Sub-Contract: and Bid Items of Work:____________________________ ____________________________________________________________________________

Name Under Which Subcontractor is Licensed: ______________________________________ ____________________________________________________________________________ License Number: _______________________
Address of Office, Mill or Shop: ___________________________________________________ Specific Description of Sub-Contract: and Bid Items of Work:____________________________ ____________________________________________________________________________

Subcontractors listed in accordance with the provisions of Section 2-3 must be properly licensed under the laws of the State of California for the type of work that they are to perform. Do not list alternate subcontractors for the same work.

COATING AND TESTING
PO Box 2874 Newport Beach, California, 92659
Zebron Contracting, Inc
855170
Pipe Tec, Inc.

CCTV
5103 Elton Street, Baldwin Park, CA 91706
987784
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-9

REFERENCES

CAMINO DEL NORTE SEWER EXTENSION

CIP PROJECT NO. Z30016

Failure to demonstrate adequate experience may result in rejection of the bid.

For all public agency projects with a similar scope of work which you have worked on (or are currently working on) in the past two (2) years, provide the following required information:

1. Name (Firm/Agency) ________________________________________________

Address __________________________________________________________

Project Title ________________________________________________________

Project Location_____________________________________________________

Type of Work ______________________________________________________

Project Manager Contact ____________________ Phone____________________

Dated Completed _______________ Contract Amount ____________________

2. Name (Firm/Agency) ________________________________________________

Address __________________________________________________________

Project Title ________________________________________________________

Project Location_____________________________________________________

Type of Work ______________________________________________________

Project Manager Contact ____________________ Phone____________________

Dated Completed _______________ Contract Amount ____________________

3. Name (Firm/Agency) ________________________________________________

Address __________________________________________________________

Project Title ________________________________________________________

Project Location_____________________________________________________

Type of Work ______________________________________________________

Project Manager Contact ____________________ Phone____________________

Dated Completed _______________ Contract Amount ____________________ 951.674.3124
310.802.5354
562.547.8555

1.4 06/23

ANTHONEY FLORES

PARKING LOT CONTRUCTION

CITY OF HEMET

SIMPSON PARKING LOT

CITY OF HEMET

2.5 10.24

CARLOS NORVANI

STORM DRAIN

CITY OF LAKE ELSINORE

THE AVENUES DRAINAGE
130 S MAIN ST LAKE ELSINORE CA 92530

CITY OF LAKE ELSINORE

1.2 08.24

HELEN CSHI

STREET AND UTILITIES IMPROVEMENT

CITY OF MANHATTAN BEACH

CROSSWALKS IMPROVEMENT

CITY OF MANHATTAN BEACH
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-10

List any other projects (private, older than three (3) years, etc.) that may represent qualifying or similar experience:

4. Name (Firm/Agency) ________________________________________________

Address __________________________________________________________

Project Title ________________________________________________________

Project Location_____________________________________________________

Type of Work ______________________________________________________

Project Manager Contact ____________________ Phone____________________

Dated Completed _______________ Contract Amount _____________________

5. Name (Firm/Agency) ________________________________________________

Address __________________________________________________________

Project Title ________________________________________________________

Project Location_____________________________________________________

Type of Work ______________________________________________________

Project Manager Contact ____________________ Phone____________________

Dated Completed _______________ Contract Amount ____________________

6. Name (Firm/Agency) ________________________________________________

Address __________________________________________________________

Project Title ________________________________________________________

Project Location_____________________________________________________

Type of Work ______________________________________________________

Project Manager Contact ____________________ Phone____________________

Dated Completed _______________ Contract Amount ____________________ 951.674.3124

CITY OF PLACENTIA
714.920.7604
Kevin Koura
435,000

01.23 CARLOS NORVANI

DRAINAGE

LAKE ELSINORE

PARADISE ACRES

CITY OF LAKE ELSINORE

1.3 02/23

PARKING LOT CONSTRUCTION

MAIN ST PARKING LOT

CITY OF PLACENTIA
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-11

CONTRACTOR INFORMATION

CAMINO DEL NORTE SEWER EXTENSION

CIP PROJECT NO. Z30016

Contractor’s License No.: ______________________ Class: _____________________

a. Date first obtained: __________________________ Expiration _____________

b. Has Bidder’s License ever been suspended or revoked? ________________ If yes, describe when and why: _____________________________________________

c. Any current claims against License or Bond? _________________ If yes, describe claims: ___________________________________________________

Principals in Company (List all – attach additional sheets if necessary):

NAME TITLE LICENSE NO.
(If Applicable)

PRESIDENT

TAMER KHALIL
NO
NO

06.30.25 2014
A
1004775
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-12

VIOLATIONS OF FEDERAL, STATE OR LOCAL LAWS

CAMINO DEL NORTE SEWER EXTENSION

CIP PROJECT NO. Z30016

1. Has your firm or its officers been assessed any penalties by an agency for noncompliance or violations of Federal, State or Local labor laws and/or business or licensing regulations within the past five (5) years relating to your construction projects?

YES / NO (circle one)

Federal / State / Local (circle one)

If “YES,” identify and describe, (including agency and status):

Have the penalties been paid? YES / NO (circle one)

2. Does your firm or its officers have any ongoing investigations by any public agency regarding violations of the State Labor Code, California Business and Professions Code or State Licensing Laws?

YES / NO (circle one)

Code/Laws:

Section/Article:

If “yes,” identify and describe, (including agency and status):

3. Has Bidder been “default terminated” by an owner (other than for convenience), or has a Surety completed a contract for Bidder within the last five (5) years?

YES / NO (circle one)
If “yes,” please explain: _____________________________

4. Has Bidder been cited more than twice for failure to pay prevailing wages in the last five (5) years?
YES / NO (circle one)
If “yes,” please explain: _____________________________

Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-13

Notes: Providing false information may result in criminal prosecution or administrative sanctions.

The above certification is part of the Proposal. Signing this Proposal on the signature portion thereof shall also constitute signature of this Certification.

Signature Date

Print Name Title

__________________________________________________________ Contractor Name

ANEEN CONSTRUCTION, INC.

PRESIDENT

TAMER KHALIL

10.22.24 Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-14

DISQUALIFICATION OR DEBARMENT

CAMINO DEL NORTE SEWER EXTENSION

CIP PROJECT NO. Z30016

Has your firm, any officer of your firm, or any employee who has a proprietary interest in your firm ever been disqualified, removed, or otherwise prevented from bidding on, performing work on, or completing a federal, state or local project because of a violation of law or a safety regulation?

YES / NO (circle one)

If yes, provide the following information (if more than once, use separate sheets):

Date: _______________ Entity:

Location:

Reason:

Provide Status and any Supplemental Statement: _____

Has your firm been reinstated by this entity?

YES / NO (circle one)

Notes: Providing false information may result in criminal prosecution or administrative sanctions.

The above certification is part of the Proposal. Signing this Proposal on the signature portion thereof shall also constitute signature of this Certification.

Signature Date

Print Name Title

Contractor Name

ANEEN CONSTRUCTION, INC.

PRESIDENT

10.22.24 TAMER KHALIL
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-15

If the Bidder fails to properly sign or omits the required signature, the bid will be considered non-responsive and will be rejected.

UTILITY AGREEMENT

CAMINO DEL NORTE SEWER EXTENSION

CIP PROJECT NO. Z30016

HONORABLE MAYOR AND CITY COUNCIL

CITY OF LAKE ELSINORE, CALIFORNIA

The undersigned hereby promises and agrees that in the performance of the work specified in this contract for Project No. Z10032, CAMINO DEL NORTE SEWER EXTENSION, (I) (we) (it) will employ and utilize only qualified persons, as hereinafter defined, to work in proximity to any electrical secondary, primary or transmission facilities. The term “Qualified person” is defined in Title 8, California Administrative code, Section 2700, as follows:

Qualified Person: A person who by reason of experience or instruction, is familiar with the operation to be performed and the hazards involved.”

The undersigned also promises and agrees that all such work shall be performed in accordance with all applicable electrical utility company’s requirements, Public Utility Commission orders, and State of California Cal-OSHA requirements.

The undersigned further promises and agrees that the provisions herein shall be and are binding upon any subcontractor or subcontractors that may be retained or employed by the undersigned, and that the undersigned shall take steps as are necessary to assu re compliance by any said subcontractor or subcontractors with the requirements contained herein.

Signature

By:

Name

Title

Contractor Name

ANEEN CONSTRUCTION, INC.

PRESIDENT

TAMER KHALIL
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

CITY OF LAKE ELSINORE
CIP PROJECT NO. Z30016

C-16

PUBLIC CONTRACT CODE

CAMINO DEL NORTE SEWER EXTENSION
CIP PROJECT NO. Z30016

Public Contract Code Section 10285.1 Statement

In accordance with Public Contract Code Section 10285.1 (Chapter 376, State. 1985), the bidder hereby declares under penalty of perjury under the laws of the State of California that the bidder has __ , has not ________ been convicted within the preceding three years of any offenses referred to in that section, including any charge of fraud, bribery, collusion conspiracy, or any other act in violation of any state or Federal antitrust law in connection with the bidding upon, award of, or performance of, any public works contract, as defined in Public Contract Code Section 1101, with any public entity, as defined in Public Contract Code Section 1100, including the Regents of the University of California or the Trustees of the California State University. The term “bid der” is understood to include any partner, member, officer, director, responsible managing officer, or responsible managing employee thereof, as referred to in Section 10285.1.

Note: The bidder must place a check mark after “has” or “has not” in one of the blank spaces provided. The above Statement is part of the Proposal. Signing this Proposal on the signature portion thereof shall also constitute signature of this Statement. Bidders are cautioned that making a false certification may subject the certifier to criminal prosecution.

Public Contract Code Section 10162 Questionnaire

In accordance with Public Contract Code Section 10162, the Bidder shall complete, under penalty of perjury, the following questionnaire:

Has the bidder, any officer of the bidder, or any employee of the bidder who has a proprietary interest in the bidder, ever been disqualified, removed, or otherwise prevented from bidding on, or completing a federal, state, or local government project because of a violation of law or a safety regulation:

Yes No

If the answer is yes, explain the circumstances in the following space.

Public Contract Code 10232 Statement

In accordance with Public Contract Code Section 10232, the Contractor, hereby states under penalty of perjury, that no more than one final unappealable finding of contempt of court by a federal court has been issued against the Contractor within the immediate preceding two-year period because of the Contractor’s failure to comply with an order of federal court which orders the Contractor to comply with an order of the National Labor Relations Board.

Note: The above Statement and Questionnaire are part of the Proposal. Signing this Proposal on the signature portion thereof shall also constitute signature of this Statement and Questionnaire. Bidders are cautioned that making a false certification may subject the certifier to criminal prosecution.

Signature Date

Print Name Title

Contractor Name

ANEEN CONSTRUCTION, INC.

PRESIDENT

TAMER KHALIL

10.22.24 X
X
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORETHE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED INACCORDANCE 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):FAXE-MAILADDRESS: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 onthis 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. THISCERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIESBELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZEDREPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.

OTHER:
(Per accident)(Ea accident)$
$
N / A

SUBRWVDADDLINSD
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIODINDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THISCERTIFICATE 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 DAMAGEBODILY INJURY (Per accident)BODILY INJURY (Per person)COMBINED SINGLE LIMIT

AUTOS ONLYAUTOSAUTOS ONLYNON-OWNEDSCHEDULEDOWNEDANY AUTOAUTOMOBILE LIABILITY Y / NWORKERS COMPENSATIONAND EMPLOYERS' LIABILITYOFFICER/MEMBER EXCLUDED?(Mandatory in NH)DESCRIPTION OF OPERATIONS belowIf yes, describe underANY PROPRIETOR/PARTNER/EXECUTIVE$$$E.L. DISEASE - POLICY LIMITE.L. DISEASE - EA EMPLOYEEE.L. EACH ACCIDENTEROTH-STATUTEPER

LIMITS(MM/DD/YYYY)POLICY EXP(MM/DD/YYYY)POLICY EFFPOLICY NUMBERTYPE OF INSURANCELTRINSR DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) EXCESS LIABUMBRELLA LIAB $EACH OCCURRENCE$AGGREGATE$OCCURCLAIMS-MADEDEDRETENTION$ $PRODUCTS - COMP/OP AGG$GENERAL AGGREGATE$PERSONAL & ADV INJURY$MED EXP (Any one person)$EACH OCCURRENCEDAMAGE TO RENTED$PREMISES (Ea occurrence)COMMERCIAL GENERAL LIABILITYCLAIMS-MADEOCCURGEN'L AGGREGATE LIMIT APPLIES PER:POLICYPRO-JECTLOC

CERTIFICATE OF LIABILITY INSURANCEDATE (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

HIREDAUTOS ONLY
$
$
135 S. State College Blvd #200
Radius Insurance Services
Cert ID 12050
130 South Main Street
Travelers Property Casualty Co 25674
The Travelers Indemnity Compan 25682

01/30/2025
9938 Magnolia Ave
Y
05/15/2024 05/15/2025

CUP-2Y427950-24-2S
A

[email protected]
Y
Y
05/15/2024 05/15/2025

BA-2Y427648-24-2S-G
B
A
X

X
Nick Roumi
Brea CA 92821
Lake Elsinore CA 92530
Riverside CA 92503
(800) 400-7283
(909) 913-3024
(888) 908-0704
X
X X
X

X

300,000

1,000,000

1,000,000
1,000,000

5,000

05/15/2024 05/15/2025

4T22-CO-2Y427520-TCT

1,000,000

1,000,000
2,000,000
2,000,000
City of Lake Elsinore
*30 day notice of cancellation, 10 day notice of cancellation in the event of nonpayment of premium.

RE: Project - CIP Project # Z30016 - CAMINO DEL NORTE SEWER EXTENSION The City of Lake Elsinore, its elected or appointed officers, officials, employees, agents and volunteers are named as Additional Insured in regards to General Liability per form CG D2 46 04 19 and Business Auto policy per form CA T4 99 02 16. Primary and Non-Contributory wording applies in regards to General Liability per form CG T1 00 02 19. Waiver of Subrogation applies in regards to General Liability per form CG D3 16 02 19 and the Business Auto policy per form CA T3 53 02 15.

Aneen Construction, Inc.

Y
X
(2)JR

Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB L TYE A E L I I
T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E

BLANKET ADDITIONAL INSURED
(Incl des Products-Completed Operations If Required By Contu ract) Thi e dorseme t m d fie i surance prov ded under he f l o ing:s n n o i s n i t o l w

COMM RCI L G NERAL IAB LI Y COVERA E PARTE A E L I T G
P O ISION R V S (1) Any "bodily injury", "property dam ge" o a r "pe sonal injury arising out o the prov di g,r " f i nThe fol owing i added tol s SE TI N II – WHO IS ANC O or fa l re to prov de, any pro e sionali u i f sINSU ED R:
arch te tural engineer ng o surv yingi c , i r eAny person o o gan zat on that yo agree in ar r i i u se v ce , ncl ding:r i s i uwrit en con ract or agreem nt to in lude a ant t e c s addi ional i sured o thi Cov rage Part i at n n s e s n (a) The preparin , approv ng, or fa li g tog i i n i sured, ut onlyn b : prepa e or approv , ma s, shopr e p drawi gs, opin on , reports, surv y ,n i s e sa. Wi h re pe t to l abi ity fo "bodily injury ot s c i l r " r fi l orders or change orders, or thee d"prope ty dam ge that o curs, or fo "perso alr a " c r n prepa i g, approv ng, or fa l n tor n i i i gi ju y ca sed by an o fe se that is comm ttedn r " u f n i , prepa e or app ov , drawings andr r esubsequent to the signing of that contract or ag ee ent and while tha pa t o the contra t or m t r f c r spe i i a io s; andc f c t n ag ee ent s in e fe t; andr m i f c (b) Su erv so y, in pe t on, archi ect ral op i r s c i t u r b. If a d only to the ex ent that such injury o, n t , r engineerin a t v t e . g c i i i s dama e is ca sed by a ts o om ssio s o yo og u c r i n f u r (2) Any "bodi y inju y or "prope ty dam gel r " r a "y ur subco tra tor in the perfo m nce o "y uo n c r a f o r caused by "y ur work an in luded in theo " d cwork to which the wri ten cont a t or agreemen" t r c t "produ ts-com leted o erat on hazardc p p i s "appl e . Such person or organiza ion doe noi s t s t un ess the wri ten cont a t o ag ee entl t r c r r mqual fy a an ad itional in ured with re pect toi s d s s the independent a t o om ssions o such spe i i a ly requi esc s r i f c f c l r y u to prov de sucho i pe son or organizationr . cov rage fo that addi ional in ured durine r t s g the oli y pe iod.p c rThe i surance prov ded to such ad it onal insured isn i d i subje t o he o lo ing p ov sions:c t t f l w r i c. The ad itional insured m st com ly with thed u p a. If the Lim t o In uran e o thi Cov rage Part fo lowi g dutiei s f s c f s e l n s:
shown in the De laratio s ex eed the m nim mc n c i u (1) Giv us wri ten no i e as soon a pra tica lee t t c s c bl m t requi ed by the written co tra t oi i s r n c r o an "o cur en e o an o fe se whi h m yf c r c " r f n c aag ee ent, the i surance prov ded to ther m n i re ult i a clai . To t e ex en possible suchs n m h t t ,addi ional insured wil be to sucht l no ice should in l de:t c um nim m required lim ts. Fo the purpo e oi u i r s s f de erm nin whether thi applie , thet i g s s (a) How, when an where the "o cur en ed c r c " m nim m im t requi ed by the wri ten co tra t oi u l i s r t n c r or o fe se too pla e;f n k cag ee ent will be co sidered to include ther m n (b) The nam s and addre se o any inj rede s s f um nim m lim ts o any Umb el a o Ex essi u i f r l r c pe sons an witne se ; andr d s sl ab l ty cov rage requi ed fo the addi ionali i i e r r t i sured by that writ en cont a t o agreem nt.n t r c r e (c) The nature and lo ation o any inj ry oc f u rThi prov sion will not increa e the lim t os i s i s f dama e ari ing out o the "o cur en eg s f c r c "i suran e de cribed in Se tion c s c n III – Lim t Of i s or o fe se. f nIn urance. s (2) If a cla m is ma e or "sui " i brought agai sti d t s nb. The insurance prov ded to such addi ionali t the ad it onal nsuredd i i :i sured does not ap ly o:n p t CG 2 46 04 19D Pa e 1 o 2 g f
limited
limitation
© 2018 The Travelers Indemnity Company. All rights reserved.

Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LITYE A E L I
(a) Im e ia ely re ord the spe i i s o them d t c c f c f (4) Te der the de ense and i dem i y o anyn f n n t f cla m or "suit an the date re eiv d; and cla m or "sui " to any prov der i " d c e i t i o othe f r i suran e which woul cov r such addi ionaln c d e t(b) No i y us a soo a practi able and seet f s n s c i sured fo a lo s we cov r. Howev r, thisn r s e eto it that we re eiv wri ten noti e o thec e t c f condi ion doe not a f ct whethe thet s f e rcla m or "suit a soon a pra ti ablei " s s c c . i suran e prov ded to such addi io aln c i t n
(3) Im e ia ely send us cop es o all legalm d t i f i sured i prima y to ot er insurancen s r h pape s receiv d in conne t on with the clair e c i m av ila le to such addi ional insured whi ha b t cor "sui ", coopera e wit us in thet t h cov r that person or a ae s si v stigat on o se tlem nt o the claim on e i r t e f r name i sured a de cribed i Paragraphd n s s n 4.,de e se against the "sui ", and o herwisef n t t Ot e In uran e o Se tionh r s c , f c IV – Com e cial m rcom ly wit all pol cy o ditio s.p h i c n n Ge eral ondit on .n C i s Pa e 2 o 2 g f CG 2 46 04 19D
organization
Liability
© 2018 The Travelers Indemnity Company. All rights reserved.

Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LI YE A E L I T

COMMERCIA GENERA LIA ILITY COVERA E FORML L B G
in thi Re ds a (1) The "bo i y in ur " o "pro e ty da a e id l j y r p r m g " s th e t re po i y ca e ul y to de e m n ri ht , dut e a d bye n i l c r f l t r i e g s i s n a th t n " a t k s pl ce a e a wha s a d s no co e e . i het i n i t v r d n t
Thro g o t th s po i y th wo ds "y u a d "y ur" re eu h u i l c e r o " n o f r (2) The "bo i y in u y o "pro e ty da a ed l j r " r p r m g " to th Na e Insure sho n i the a d o cur d ri ge m d d w n n c s u n t e p l cy pe i d; a dh o i r o n a y o he pe so o o g n z t o qua i y ng a a Na en t r r n r r a i a i n l f i s m d (3) Pri r to th pe i d, no in ure l steo e r o s d i dIn ure und r thi po i y The wo ds "we , "us" a ds d e s l c . r " n un e Pa a ra hd r r g p 1. of II – Who Is"o r re e o t e co pa y p o i i g hi i sura ceu " f r t h m n r v d n t s n n . An In ure a d no "e pl y e a t o i es d n m o e " u h r z d The wo d "i sure " m a s a y o ga i a i n by y u tor n d e n n r n z t o o gi e o ov r f an qu l fy ng a such undea i i s r II – Who Is An o kn w tha the "bo i y" r e t d l I sure . i j r " o "pro e ty da a e han d n u y r p r m g " d i who e o in If such a li te i suren l r . s d n dOt e wo ds a d phr se tha a p a in quo a i nh r r n a s t p e r t t o "e pl y e k e , to them o e " n wm rk ha e m a i g. Re e toa s v e n n f r V – pe i d th t the "bo i y i j ry or o , a d l n u " rDe i i i ns. f n t o "pro e ty da a e , th n a yp r m g " e n SE TI N I – CO ERA EC O V G S co ti u t o o re um ti n o suchn n a i n r s p o f "bo i y in ur " o "pro e ty da a ed l j y r p r m g "CO ERA E A – B D L IN U Y A D P O E TYV G O I Y J R N R P R o a t r th pe i d wi l be de m d tor f e e r o l e eD MAGE L A I ITA I B L Y ha e be n no n pri r t h p l cy pe i dv e k w o o t e o i r o .1. I su i g A reem nn r n g e t c. "Bo i y i j ry o "pro e ty da a ed l n u " r p r m g "a. We wi l pa th se sum tha th i surel y o s t e n d duri g th pe i d a d wa no ,n e r o n s tb co e le a l o l ga e to pa a da a ee m s g l y b i t d y s m g s pri r to the pe i d kn w to ha eo r o , o n vb ca se o "bo i y i j ry o "pro e ty da a ee u f d l n u " r p r m g " by a y i sure l ste n e a a ra hn n d i d u d r P r g pto th s in ura ce a p i s. We wi l ha ei s n p l e l v 1. of II – Who Is An Insure o a y d r nth rig t a d du y to de e d the i sure a a nste h n t f n n d g i "e pl y e a t o i e by y u to gi e om o e " u h r z d o v ra y "sui " se k n th se da a e . Ho e e ,n t e i g o m g s w v r o a o , a yf n " r nwe wi l ha e no dut to de e d the i surel v y f n n d co ti u t o , o re um t o o than n a i n r s p i n f ta a nst a y "sui " se k n da a e fo "bo i yg i n t e i g m g s r d l "bo i y i j ry o "pro e ty da a e a t r thd l n u " r p r m g " f e ei j ry o "pro e ty da a e to thin u " r p r m g " s e d f he p ri d.n o t e oi sura ce do s no a p y We m y a o rn n e t p l . a , t u in e t ga e a y " wi l bev s i t n l" d. "Bo i y i j ry o "pro e ty da a ed l n u " r p r m g "a d n se t e a y cl i r "sui " th t a e ul . Bu :t l n a m o t a m y r s t t de m d to ha e be n kn wn to ha e o curr de e v e o v c e a the e rl e t ti e whe a y in ure l stet a i s m n n s d i d(1) The a o n we wil pa fo da a e ism u t l y r m g s un e Pa a ra hd r r g p 1. of II – Who Is Anl m te a de cri e ii i d s s b d n III – Li i s m t In ure o a y "e pl y e a t o i e by y u tos d r n m o e " u h r z d oOf I sur n e ndn a c ; a gi e o o a ov r f n " r cl i : a m(2) Our right and duty to defend end when we
ha e use up th li i ov d e m t f (1) Re o t a l o a y pa t o the "bo i yp r s l , r n r , f d li the pa m nt o j d m n s on y e f u g e t r i j ry o "pro e ty da a e to us o a yn u " r p r m g " r nse tl m n s und r t e e t e A or B or o h r i sure ;t e n rm d ca x e se un e o e a ee i l e p n s d r C v r g C. (2) a wri t n o de a d ot e r m n rNo o he o l g t o o l a i i y to pa sum ot r b i a i n r i b l t y s r cl i fo da a e o the "bo i ya m r m g s f d lo se v ce i unl ssr r i s s e i j ry o "pro e t a a e ; rn u " r p r y d m g " oe pl ci l pro i e fo und r Sup l m n a yx i t y v d d r e p e e t r (3)Payments. a a e by a y o he m a s thaw r n t r e n t "bo i y in ur " o "pro e ty da a e had l j y r p r m g " sb. Thi in ura ce a p i s to "bo i y i j ry a ds s n p l e d l n u " n o curre o a t ccurc d r h s o o ."pro e ty d m ge o l fp r a a " n y i :

CG 1 0 02 1 T 0 9 Pa e 1 o 21 g f© 2017 The Travelers Indemnity Company. All rights reserved.

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

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Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCIAL E ERAL IAB LITYE G N L I
e. Da a e o "bo i y i j ry i cl dem g s f d l n u " n u (3) An sta u e o di a ce o e u a i n e a i gy t t , r n n r r g l t o r l t n da a e cla m d by a y pe so r rga i a i n to the sa e gi t, dim g s i e n r n o o n z t o l , f str bu i n o usi t o r e of fo ca e l ss o se v ce o de th re ul i g ar r , o f r i s r a s t n t a y t m ro he "bo i y i j r ".n i e f m t d l n u y Thi e cl sio a p i s o l i y u a e in thes x u n p l e n y f o r

2. Ex l si n c u o s bu i e s o m n f ct r ng di tri u i g se l n ,s n s f a u a u i , s b t n , l i g se v ng o furn shi g a co o i be e a e . F rr i r i n l h l c v r g s oThi i sura ce d e no p l os n n o s t a p y t : th pur o e o thi e cl sio , pe m t i g ae p s s f s x u n r i t na. Ex ec ed O I te d d I j ryp t r n n e n u pe so to bri g a co o i be e a e o y urr n n l h l c v r g s n o pre i e , fo co sum tim s s r n p o o y u pre n n o r m se , i s i t nd d fro th sta d o n o th i sure . whe he o non e e m e n p i t f e n d t r r t a fe is cha g d o ae r e r is Thi e cl sio do s no a pl to "bo i y in u y re u re fo such s x u n e t p y d l j r " q i d r is no by it e f, t s l o "pro e ty da a e re ul i g fro the use o co si e e th bu ir p r m g " s t n m f n d r d e s ne s o se l n , ss f l i g e v n o r i g r b Co trac u l L ab l t d Wo ke s' Co p n a i n An i il r L w. n t a i i i y . r r m e s t o d S m a a s "Bo i y i j ry o "pro e ty da a e fo An o l g t o o thed l n u " r p r m g " r y b i a i n f i sure un e an d d r wo k r ' r e s th i sure is o l ga e to pa da a e by co p nsa i n di a ie n d b i t d y m g s m e t o , s b l t be e i s ori y n f t re so o th a sum t o o l a i i y i a un m l y e t co pea n f e s p i n f i b l t n e p o m n m n a i n l w o as t o a r n sim l r y i a co tr ct o a r e e t. Thi e cl sio do s no l w.n a r g e m n s x u n e t a a pl o l a i i y f r a a e :p y t i b l t o d m g s e. Em l yer's i b l tp o L a i i y (1) Tha t e i sure o l a e i t e a se cet h n d w u d h v n h b n "Bo i y i j r " tod l n u y :
(1) An "e pl y e o the i sure a i in o t om o e " f n d r s g u f(2) Assum d in a co tr ct o a re m nt th t ie n a r g e e a s a d n th co r e o :n i e u s fa "i sure , pro i e th t thn n d v d d a e (a) Em l y e t y th i sure ; op o m n b e n d r"bo i y in u y o "pro e ty da a ed l j r " r p r m g " (b) Pe f r i g dut e re a e to ther o m n i s l t d
o a r e e t. So e y fo th purp se or g e m n l l r e o s f l a i i y a sum d in a "i surei b l t s e n n d (2) The spo se chi d pa e t bro h r o sisteu , l , r n , t e r rre so a l a t rne s' fe s a da n b e t o y e n o tha "e pl y e a a of t m o e " s fl t g ti n e p nse i curr d by o f r a tyi i a o x e s n e r o a p r Pa a r p r g a h(1) a o e b v .o h r th n a i sure wi l be de m d to bet e a n n d l e e Thi e cl si n a pl e whe he th in ure m ys x u o p i s t r e s d ada a e o "bo i y i j ry om g s f d l n u " r be l a l s a e p o e r n ny o hei b e a n m l y r o i a t r"pro e ty d m g ", ro i e th tp r a a e p v d d a : a d t a y o l ga i n to sha e da a e wi h on o n b i t o r m g s t r(a) Li b l t to such pa ty fo , o fo thea i i y r r r r re a so e ne e se who m st pa da a ep y m o l u y m g sco t o , th t de e se ha a sos f a f n s l be n a sum d in the sa e "i suree s e m n d Thi e cl si n do s no a p y to l a i i ys x u o e t p l i b l tco tr ct"; nd n a a a sum d by the i sure un e a "i sures e n d d r n n d(b) a t r e s' fe s a d l t g t ot o n y e n i i a i n co tr ct . n a " e pe se a e fo de e se o th t pa tx n s r r f n f a r y f. P l u i n o l t oa a nst a ci i o a t rn t v di putg i v l r l e a i e s e (1) "Bo i y in u y o "pro e ty da a e a i i gd l j r " r p r m g " r s nre o ut o in whi hs l i n c o t o the , a l g d o th e te eu f l e e r r a n dda a e to th s in ura cem g s i s n di cha ge di pe sa , se p g , m gr t o ,s r , s r l e a e i a i na pl e a e a l ge .p i s r l e d re e se o o "po l t n s":l a r f l u a tc. L q o i b l ti u r L a i i y (a) At o fro a y pre i e , sit or m n m s s e r"Bo i y i j ry o "pr p rt da a e fod l n u " r o e y m g " r l ca i n whi h i o wa a a y ti eo t o c s r s t n ma y i sure a e h l i b e b e so o :n n d m y b e d l a l y r a n f o ne o by o re t d ow d r , r n e r (1) Ca si g o to the i t x ca i nu n r n o i t o l a e to a y i sure . Ho e e , th so n d , n n d w v r i o n e so ;f a y p r n subp ra ra h o s n t pp y t :a g p d e o a l o (2) The furn shi g o a co o i be e a e to ai n f l h l c v r g s (i) "Bo i y in u y i susta n d wit i ad l j r " f i e h n pe so und r the l g l dri k ng a e or n e e a n i g r bu l i g a d ca se by sm k ,i d n n u d o e u de he o on r t f r fu e , o so t pro uce bym s r o d d o o i i a i g fro e u pm n th tr r g n t n m q i e t a
Pa e 2 o 21 g f CG 1 0 02 1 T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. because
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subse u n to t e e e ut o o t e co t a tq e t h x c i n f h n r c conduct of the insured's business; or
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alcohol;
Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LI YE A E L I T
i use to he t co l o to pe f rm th no m ls d a , o r r o e r a , th bu l i g o by o hy ra l c oe i d n , r r d u i r
o i i a i g fro e u pm n tha isr g n t n m q i e t t fo th o e a i n or e p r t o f use to he t wa e fo pe so ad a t r r r n l "m bi e e ui m n " o it pa t , ifo l q p e t r s r s use by th bui di g s o cup n s oe l n ' c a t r such fue s, o o h rl r t e th i u sts; e r g e o e a i g fl i s e ca e fro ap r t n u d s p m (i ) i"Bo i y i j ry o "pro e tyd l n u " r p r
o the . Thi e ce ti nr m s x p oda a e fo y u m y bem g " r o a do s no a pl if the "bo i y i j rye t p y d l n u "he d li b e if y u a e a co tr ct rl a l , o r n a o o "pro e ty da a e a i e o t or p r m g " r s s u fa d the o ne o le se o suchn w r r s e f th in e ti n l di cha ge di pe sae t n o a s r , s r lpre i e , sit o l ca i n ha be nm s s e r o t o s e o r l a e o the fue s, r e e s f la de to y ur a ad d o s n o o h r o e a i g fl i s, o i suchr t e p r t n u d r fadditional insured with respect to y ur o g i g o e a i ns pe fo m d fu l , o o he oo n o n p r t o r r e e s r t r p r t n e a i g fo th t a d t o a i sure a tha fl i s a e bro gh o or a d i i n l n d t t u d r u t n r to the pre i e , sit o l ca i n a d suchm s s e r o t o n pre i e , sit o l ca i n wit them s s e r o t o h pre i e , sit o l ca i n is nom s s e r o t o t i t nt th t th y be di cha g d,n e a e s r e a d ne e wa o n d o o cupi dn v r s w e r c e di pe se o re e se a pa t os r d r l a d s r f by o re te o l a e to a y, r n d r o n d , n th o e a i n be ng pe fo m d bye p r t o s i r r e i sure , o he tha tha a d t o an d t r n t d i i n l such in ure , ors d i sure ; o n d r
(i i i )"Bo i y i j ry o "pro e tyd l n u " r p r (i ) i"Bo i y inj ry o "pro e tyd l u " r p rda a e a i i g o t o he t,m g " r s n u f a da a e susta n d wit i am g " i e h nsm k o fu e fro a "ho ti eo e r m s m s l bu l i g a d ca se by th re e sei d n n u d e l afi e ; r " o ga e , fum s o v po s frof s s e r a r m (b) At o fro a y pre i e , sit or m n m s s e r m te i l bro g t in o th t bu l i ga r a s u h t a i d n l ca i n whi h i o wa a a y ti eo t o c s r s t n m
use by o fo a y i sure o o h rs f rd r r n n d r t e o pe f r e by y u o o y u e a fr o m d o r n o r b h l th ha dl ng sto a e dispo a ,e n i , r g , s l by a co tr ct r r subco t a ; on a o o n r r r pro e sin r re tm n o w stec s g o t a e t f a ;
(i i i )"Bo i y inj ry o "pro e tyd l u " r p r(c) If such "po l t n s" a e o we e a a yl u a t r r r t n da a e a i i g o t o he tm g " r s n u f a ,ti e tra spo t d, ha d e , sto e ,m n r e n l d r d sm k o fu e fro a "ho ti eo e r m s m s ltr a e , di po e o , o ae t d s s d f r s fi e ; r r " owa te by o o :s r f r (e) At o fro a y pre i e , sit or m n m s s e r(i) An nsure ; o y i d r l ca i n o whi h a y in ure o a yo t o n c n s d r n(i ) iAn pe so o o g n z t o foy r n r r a i a i n r o wo k ngr r iwho y u m y be le a lm o a g l y o o a y i sure 'r n n n d sre po si l ; s n b e be a f a e o we e a a y ti eh l r r r t n m (d) At o fro a y pre i e , sit or m n m s s e r pe fo m ng o e a i n to te t fo ,r r i p r t o s s r l ca i n o whi h a y in ure o a yo t o n c n s d r n m ni o , cl a up, re o e co t i ,o t r e n m v , n a n co tr ct rs o subco t a r wo k ngn a o r n r o s r i tr a , de o i y o ne tr l z , o in a ye t t x f r u a i e r n o o a y i sure 'sr n n n d wa re po d to o a se s thy s n , r s s e be a f a e pe fo m ng o e a i n if theh l r r r i p r t o s o , "po l t n s".f l u a t "po l t n s" a e bro gh o o to thel u a t r u t n r
(2) An l ss, co t o e p n e a i in o t oy o s r x e s r s g u fpre i e , si e o l ca i n i co n ct om s s t r o t o n n e i n a y n :wi h such o e a i n by such in ure ,t p r t o s s d co tr ct r o sub o tr ct r. Ho e e ,n a o r c n a o w v r (a) Re ue t, de a d o de o sta ut ry oq s m n , r r r t o rth s subp ra ra h o s n t pp y t :i a g p d e o a l o re u a o y re ui e e t t a a y in ureg l t r q r m n h t n s d (i) "Bo i y inj ry o "pro e tyd l u " r p r o o he s te t fo , m ni o , cle n up,r t r s r o t r a da a e a i i g o t o the e ca em g " r s n u f s p r m v , co t i , tre t de o i y oe o e n a n a , t x f r o fue s, o ot ef l r h r ne t a i e o in a y wa re po d to ou r l z , r n y s n , r o e a i g fl i s a e ne d dp r t n u d r e e a se s t e o , "po l t n s"; rs s h f l u a t o CG 1 0 02 1 T 0 9 Pa e 3 o 21 g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. dehumidify
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Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCIAL E ERAL IAB LITYE G N L I
(b) Cl i o sui by o o be a f o a ya m r t r n h l f n (b) The o e a i n o a y o the m chi e yp r t o f n f a n r go e nm n a a t o i y o a y o he o e ui m n l ste in Pa av r e t l u h r t r n t r r q p e t i d r gra h p f. 2) ( pe so o o ga i a i n b ca se o or n r r n z t o e u f r f. 3) ( o the de i i i n o "m bi ef f n t o f o l te ti g fo , m n t r ng cl a i g up, e ui m n "; rs n r o i o i , e n n q p e t o re o i g, con a ni g, tre t ngm v n t i n a i , (6)d to i y ng o ne t a i i g, o i a ye x f i r u r l z n r n n (a) Cha t re i h a pi o o a y i sure ;r e d w t l t t n n dwa re po di g to o a se sin they s n n , r s s g e fe t o , "po l t n s".f c s f l u a t (b) No w e y a y i sure ; a dt o n d b n n d n g Ai craft u o O at rcra t (c). r , A t r W e f No be n use to ca r a y pe so ot i g d r y n r n r pro e ty f r p r o a"Bo i y in u y o "pro e t da a e a i i g o td l j r " r p r y m g " r s n u o th o n r hi , m i t na ce use orf e w e s p a n e n , h Mob l q ip e t. i e E u m n e tr stm nt to o he s o a y "a t " on u e t r f n u o r "Bo i y in u y o "pro e ty da a e a i i g o td l j r " r p r m g " r s n uw te cra t o n d o o e a e by o re t d oa r f w e r p r t d r n e r o : fl a e to a y in ure . Use o e a i no n d n s d p r t o (1) The tra spo t t o o "m bi e e u pm n "n r a i n f o l q i e ta d "l a i g r n o d n ".n o d n o u l a i g by a "a t " o ne o o e a e by on u o w d r p r t d rThi e cl si n a p i s e e if the cla ms x u o p l e v n i s re t d r l a e o a y i sure ; on e o o n d t n n d ra a nst a y i sure a l g ne l g nce o o h rg i n n d l e e g i e r t e (2) The use o "m bi e e ui m nt i , o whi ef o l q p e " n r lwro g o n i th supe v sio , hir ngn d i g n e r i n i , i fo , o whi e be ngn r r l ie pl y e t tr i i g o m ni o i g o o he s bym o m n , a n n r o t r n f t r a y spe d, de o i i n,n e m l t oth t in ure , if th whi h ca sea s d e " c u d o stun i g r t n .th "bo i y i j ry o "pro e ty d m ge i v l ee d l n u " r p r a a " n o v d th o ne shi , m i t na ce use oe w r p a n e n , r i. War e t ust e t to o he s o a y "a t " on r m n t r f n , u o r "Bo i y in u y o "pro e ty da a e a i i g o td l j r " r p r m g " r s n uwa e cra t tha is o ne o o e a e by ot r f t w d r p r t d r o : fre t d r o n d o a y i sure .n e o l a e t n n d (1) Wa , i cl di g u d cl r d o ci i a ;r n u n n e a e r v l w rThi e cl sio o s no a pl t :s x u n d e t p y o (2) Wa l k by a m l ta y fo cer i e i i r r ,(1) A wa e cra t whi e a ho e o pre i e y ut r f l s r n m s s o i hi d ri g o de e d ng a a n t an n e n r f n i g i s no n r e t w o r n ; o e pe t d a t ck by a yr x c e t a , n (2) A a e cra t y u o n t o n ha s: go e n e t so e e gn ow t r f o d o w t t i v r m n , v r i r o he a t o i t r u h r ty usin i i a y pe so n l o t e ge t ; og m l t r r n e r o h r a n s r(a) 50 fe t o g o l ss; nde l n r e a (3) In urr ct o , re e l o , re o ut o , usurp ds e i n b l i n v l i n e(b) No be n use to ca r a y pe so ot i g d r y n r n r po e , o ta e by go e n e t lw r r k n v r m n apro e ty f r ha g ;p r o a c r e a t o i y in hi d ri g o de e d ng a a nstu h r t n e n r f n i g i(3) Pa k n a "a t " o , o o the wa s ne tr i g n u o n r n y x a y o he e n f t s .to pre i e y u o n o re t, pro i e the, m s s o w r n v d d j. D m g o P o ertya a e T r p"a t " i no o n d by o re t d o l a eu o s t w e r n e r o n d to y u r he i sure ; "Pro e ty d m ge too o t n d p r a a " :
(4) Li b l t a sum d unde a y "i surea i i y s e r n n d (1) Pro e ty y u o n, re t, o o cup ,p r o w n r c y co tr ct fo he o ne shi , m i t na ce o i cl di g a y co ts o en a " r t w r p a n e n r n u n n s r x e se i cu re p n s n r d by y u, o a y o he pe so , o g ni a io r n t r r n r a z t o o n r e t t , fo re a r, re l ce e tn i y r p i p a m n ,(5) "Bo i y in u y o "pro e ty da a e a i i gd l j r " r p r m g " r s n e ha ce e t, re to a i n o m i t na cen n m n s r t o r a n e no t o : u f o such pro e t fo a y re so , f p r y r n a n(a) The op ra i n o m chi e y ore t o f a n r pre e ti n o i j ry to a pe so o da a ev n o f n u r n r m ge ui m n th t i a t ch d to o pa tq p e t a s t a e , r r to a o he 's p o e t ;n t r r p r yo , a la d v hi l th t wo l qua i y af n e c e a u d l f s (2) Pre i e y u sel , gi e a a o a a d n ifm s s o l v w y r b n o ,"m bi e e u pm n " un e th d fi i i no l q i e t d r e e n t o th "pro e ty da a e a i e o t o a ye p r m g " r s s u f no "m bi e e ui m nt i such la df o l q p e " f n pa t o h se pr m se ;r f t o e i swe e no subj ct to ar t e co p l o y o fi a ci l re po si i i ym u s r r n n a s n b l t (3) Pro e ty l a e o y u;p r o n d t o l w, o o he m t r v h cl in ura cea r t r o o e i e s n (4) Pe so a pro e t i th ca e custo y or n l p r y n e r , d rl w, whe e i is o pri ci a la r t r n p l y co tr l o t e i sure ;n o f h n dga a e ; r r g d o Pa e 4 o 21 g f CG 1 0 02 1 T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. includes
"occurrence
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prepared for,
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aircraft
vehicle
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Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LI YE A E L I T
(5) Tha pa t cul r pa t o re l pro e t o phy ica in u yt r i a r f a p r y n s l j r to "y ur o or whi h y u o a y co tr ct rs o "y ur wo k a t r it ha be n putc o r n n a o r o r " f e s e to it in e de s t n d use.
o y u be a f a e pe f rm n o e a i ns, ifn o r h l r r o i g p r t o n Rec l O ro u ts W rk r mp i ed. a l f P d c , o O I a r th "pro e ty da a e a i e o t o tho ee p r m g " r s s u f s P o erty r p o e a i n ; rp r t o s o Da a e cl i e fo a y l ss, co t o e pe sem g s a m d r n o s r x n (6) Tha pa t o a y pro e t that r f n p r y t i cu re by y u o o h r fo th l ss o usen r d o r t e s r e o f , m st be re to e , re a re o re l ceu s r d p i d r p a d wi hd a a , , re a rt r w l , p i , b ca se "y ur wo k wae u o r " s re l ce e t a j stm nt re o a o di po ap a m n , d u e , m v l r s s l o : f
(1) "Y u ro uct";o r p dPa a r p s r g a h(1), (3) a d n(4) o th s e cl si n dof i x u o no a p y to "pre i e da a e . A se a a et p l m s s m g " p r t (2) "Y u o k ; ro r w r " o l m t o i sura ce a p i s to "pre i e da a ei i f n n p l e m s s m g " (3) "Im a re p o e t ";p i d r p r ya de crib d in Pa a r ps s e r g a h 6. of III – i such wo k o pro e t is f r , r p r yLi i s O nsura cem t f I n .

Pa a ra h r g p(2) o h s e cl sio o s no a pl if t i x u n d e t p y f pe so o o g n z t o o a k o n or n r r a i a i n f n w rth pre i e a e "y ur wo k a d we e ne ee m s s r o r " n r v r o, , r, re t d r e d fo e t l by y un e o h l r r n a o . da g ro s co di i n i tn e u n t o n i .

Pa a r p s r g a h(3), (4), (5) a d n (6) o th s f i o P rso a n d erti i g I ju y. e n l A d A v s n n re cl sio do no a pl to li b l t a sum dx u n t p y a i i y s e "Bo i y in u y a i i g o t o "pe so a a dd l j r " r s n u f r n l nun e sid tr ck a re m ntd r a e a g e e . a v rt si g i j ry .d e i n n u "Pa a ra h r g p(6) o th s e cl sio do s no a plf i x u n e t p y p a a. D tto "pro e ty da a e i cl de in th "pro uct -p r m g " n u d e d s co p e e p ra i n h z r ".m l t d o e t o s a a d Da a e a i i g o t o th lo s o , lo s o usem g s r s n u f e s f s f o , da a e to co ru t o o , i a i i y to a ce s,f m g , r p i n f n b l t c sk. D m g o Yo r P o u ta a e T u r d c "Pro e ty da a e to "y ur pr d ct a i i g o tp r m g " o o u " r s n u o t o ny p rt o i .f i r a a f t Ho e e , thi e cl si n do s no a p y tow v r s x u o e t p l l a i i y fo a a e b ca se o "bo i y i j r ".i b l t r d m g s e u f d l n u yl. D m g o Yo r Wo ka a e T u r "Pro e ty d "p r q U so i i e o m n ca i n. n l c t d C m u i t oa a e to y ur wo k a i i g o t om g " o r " r s n u f i o a y pa t o it a d i cl d d i he "pro uct -t r n r f n n u e n t d s "Bo i y in u y o "pro e ty da a e a i i g o td l j r " r p r m g " r s n uco p e e p ra i n h z r ".m l t d o e t o s a a d o a y o a l g d v o a i n o a y l w thaf n r l e e i l t o f n a t Thi e cl si n do s no a pl if th da a es x u o e t p y e m g d o pro i i s the se d ng tr n m t i gr h b t n i , a s i t n wo k o th wo k o t o whi h th da a er r e r u f c e m g o d stri ut n fr i b i g o a i e wa pe fo m d o y ur be a f by ar s s s r r e n o h l r. Acc s O Di c o u e O Con id n i l Oe s r s l s r f f e t a rsubco tr cto . n a r P rso a n o m ti ne n l I f r a om. D m g o I p i ed P o erty O P o ertya a e T m a r r p r r p "Bo i y in u y o "pro e ty da a e a i i g o td l j r " r p r m g " r s n uN t h sic l y In u edo P y a l j r o a y a ce s to o di cl sure o a y pe so 'f n c s r s o f n r n s "Pro e ty da a e to "i p i e pro e t " op r m g " m a r d p r y r o o g ni a i n' co f de ti l or pe so ar r a z t o s n i n a r n l pro e ty th t ha no be n l in u e ,p r a s t e l y j r d i f rm t o . n o a i n a i i g o t o :r s n u f
s. Asb st s e o(1) A in d qu cy or, a e a
(1) "Bo i y in u y o "pro e ty da a e a i i gd l j r " r p r m g " r s nda g ro s in "y ur pro uct on e u o d " r o t o th a t a o a l g d pre e ce ou f e c u l r l e e s n r"y ur o k ; ro w r " o a t a , a l ge o th e t ne di pe sa oc u l l e d r r a e d s r l f(2) A de a o fa l r by y u o a y nl y r i u e o r n o e a be to , a be to fi e s o pro u tss s s s s s b r r d co y ur be a f to pe fo m a on o h l r r r co ta n n a be to , pro i e th t then i i g s s s v d d aa re m nt i cco d nce w t t t rm .g e e n a r a i h i s e s "bo i y i j ry o "pro e ty da a e id l n u " r p r m g " s Thi e cl si n do s no a pl to the l ss o ses x u o e t p y o f u ca se o co t i ut d to by the ha a d usu d r n r b e z r o o o h r pro e t a i in o t o sudd n a df t e p r y r s g u f e n pro e ti s o sbe to .p r e f a s s CG 1 0 02 1 T 0 9 Pa e 5 o 21 g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. particular
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Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCIAL E ERAL IAB LITYE G N L I
(2) "Bo i y in u y o "pro e ty da a e a i i g e pl y e t- e a ed l j r " r p r m g " r s n m o m n r l t d de cri e s b d in o t o th o a l g d pre e ce o Pa a r pu f e r l e e s n r r g a h (a), (b), r o(c) a o e i b v s a l ge o th e t ne di pe sa ol e d r r a e d s r l f Thi e cl si n a pl e whe he th in ure m ys x u o p i s t r e s d a a y so i , li ui , ga e us o th r an l d q d s o r e m l be l a l s a e p o e r n ny o hei b e a n m l y r o i a t r o i cl di g sm k , v po s,r n u n o e a r a d t a y o l ga i n to sha e da a e wit on o n b i t o r m g s h r so t fu e , , a k l s, a do , m s l a i n re a so e ne e se who m st pa da a ep y m o l u y m g s wa te a d th t a e pa t o a y os , n a r r f n r be a se o he "bo i y i j r ".c u f t d l n u y "sui " whi h a so a l ge a y "bo i y i j ryt c l l e s n d l n u " Ex l si ns c u oc. th o g r u hn. do no a p y to "pre i et p l m s so "pro e ty da a e de cri e inr p r m g " s b d da a e . A se a a e li i o i sura ce a p i s tom g " p r t m t f n n p l ePa a r p r g a h(1) a o e b v . "pre i e da a e a de cri e in Pa a r pm s s m g " s s b d r g a h 6. of III – Li i s O nsur n em t f I a c .(3) An l ss, co t o e p nse a i in o t oy o s r x e r s g u f a y n : CO ERA E B – P RSO A A D AD ERT SI GV G E N L N V I N IN U Y L AB L TJ R I I I Y( ) aRe ue t, de a d o de o sta ut ry oq s m n , r r r t o r

1. In u in g e m ns r g A r e e tre u a o y re ui e e t tha a y i sureg l t r q r m n t n n d o o he s te t fo , m ni o , cle n up,r t r s r o t r a a. We wi l pa th se sum tha th i surel y o s t e n d re o e co t i , tre t de o i y om v , n a n a , t x f r le a l o l ga e to pa a da a eg l y b i t d y s m g s ne t a i e o i a y wa re po d to ou r l z , r n n y s n , r o "pe so a a d a v rt si g in ur " tof r n l n d e i n j y a se s the e f ct o , a be to ,s s f e s f s s s th s i sura ce a pl e . We wi l ha e thei n n p i s l v a be to fi e s o pro uct co t i i gs s s b r r d s n a n n ri ht a d du y to de e d t e i sure a a nst a yg n t f n h n d g i n a be to ; r s s s o "sui " se k n th se da a e . Ho e e , we wi lt e i g o m g s w v r l ha e no dut to de e d the in ure a a n t a yv y f n s d g i s n( ) bCl i o sui by o o be a f o a ya m r t r n h l f n "sui " se k n da a e fo "pe so a a dt e i g m g s r r n l ngo e n e t l a t o i y o a y o h rv r m n a u h r t r n t e a v rt si g in ur " to thi i sura ce do sd e i n j y s n n epe so o o ga i a i n or n r r n z t o f no a p y We m y at o r t p l . a , u ,te ti g fo , m n t r ng cl a i g up,s n r o i o i , e n n i v sti a e a y o fe se a d se t e a y cla m on e g t n f n n t l n i rre o i g, con a ni g, tre t ngm v n t i n a i , "sui " th t a e ul . Bu :t a m y r s t tde o i y ng o ne t a i i g o in a yt x f i r u r l z n , r n wa re po di g to o a se sin they s n n , r s s g (1) The a o n we wil pa fo da a e ism u t l y r m g s e fe t o , a be to , a be to fi e s o l m te a de cri e if c s f s s s s s s b r r i i d s s b d n III – Li i s m t pro uct co t i i g a be to . Of I sura ce a dd s n a n n s s s n n ; n t. Em l ymen -Rel te ra ti esp o t a d P c c (2) Ou rig t a d dut to de e d e d whe wer h n y f n n n ha e use up th li i ov d e m t f"Bo i y i j r " tod l n u y :
i sur n e i the pa m nt o j d m n s on a c n y e f u g e t r(1) A e so ri in ut o nyp r n a s g o f a :
se tl m n s und r Co e a et e e t e v r g s A or B or(a) Re usa o e p o h t e so ;f l t m l y t a p r n x e se un e o e a ee p n s d r C v r g C.(b) Te m na i n o tha pe so 'sr i t o f t r n No o he o l g t o o l a i i y to pa sum ot r b i a i n r i b l t y s re pl y e t rm o m n ; o pe f r o se v ce i unl ssr o m r r i s s e(c) Em l y e t re a ep o m n - l t d , , e pl ci l pro i e fo un e Su p e e t ryx i t y v d d r d r p l m n ao o i si n, such a co rci n,r m s o s e o Pa m nt . y e sde o i n, e a u ti n re ssi nm n ,m t o v l a o , a g e t b. Thi i sura ce a pl e to "pe so a a ds n n p i s r n l ndi cip i e fa l re to pro o e os l n , i u m t r a v rti i g in ur " ca se by a o fe se a i i gd e s n j y u d n f n r s na v nce ha a sm n , hum l a i nd a , r s e t i i t o , o t o y u bu i e s but o l i th o f nse wau f o r s n s n y f e f e sdi crim na i n, li e , sl nd r v o a i ns i t o b l a e , i l t o co m t e in th "co e a e te r t r " du i g thm i t d e v r g r i o y r n eo th pe so 's rig t of e r n h f po i y p ri d. l c e oo fa se a re t,r l r s
de e t o o i p i o m n a p i d t ot n i n r m r s n e t p l e o r 2 Ex l si n. c u o s a tha pe so , re a dl ss ot t r n g r e f Thi i sura ce d e no p l os n n o s t a p y t :whe he such ot r , , r a. Kn w n i l t o f i h s f n th ro i g V o a i n O R g t O A o eo i si n i a p i d o ism s o s p l e r co m t e be o e duri g o a t r them i t d f r , n r f e "Pe so a a d a v rt sin in ur " ca se by or n l n d e i g j y u d r ti e o t a e so 's e p o m nt rm f h t p r n m l y e ; o a th o the i sure wi h thet e f n d t (2) The spo se chi d pa e t bro h r o sisteu , l , r n , t e r r k o l d e th t the wo l v o a e the rig tn w e g a u d i l t h s o tha pe so a a co se u nce o "bo i yf t r n s n q e f d l o a o h r a d wo l "pe so a a df n t e n u d r n l n i j ry to tha pe so a who a y o then u " t r n t m n f a v rt si g i j r ".d e i n n u y Pa e 6 o 21 g f CG 1 0 02 1 T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. actual
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Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LI YE A E L I T
Thi e cl si n do s no a pl to "pe so a a a nst a ci i o as x u o e t p y r n l g i v l r l e n t v di putt r a i e s e re o u i n pro e di g is l t o c e n n
da a e to th s in ura cem g s i s nb Mate ia u l s ed Wi h Kn w ed e O. r l P b i h t o l g f a pl e a e a l ge .p i s r l e dF l i y a s t f. B ea h O o tracr c f C n t"Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f o a o wri te pu l ca i n i cl di g "Adv rt sinr l r t n b i t o , n u n e i g i j ry a i i g o t on u " r s n u f a bre ch o a f co tr ct n a .
th o th i sure wi h kno l d e oe f e n d t w e g f g Q a it O erfo m n e f o d – F i u e. u l y r P r a c O G o s a l ri s f l i y t a s t . To Co fo m To S at m n sn r t e e t c. Mate ia u l s ed O s d P i r T o i yr l P b i h r U e r o o P l c "Adv rt sin in ur " a i i g o t o th fa l re oe i g j y r s n u f e i u fP rio e d go ds, pro uct o se v ce to co fo m wi ho d s r r i s n r t (1) "Pe so a a d a v rt sin n u y a i i g o t a y sta e e t o quar n l n d e i g i j r " r s n u n t m n f l t o pe fo i y r r rm n e m de a c a o o a o wri t n pu l ca i n i o r "a v rt se ef r l r t e b i t o , n y u d e i m nt . " pu l ca i n by e e t o i m a s, o m t ri lb i t o l c r n c e n f a e a h Wro g D s ri ti n O ric s. n e c p o f P ewho e fi st pu l ca i n to k pl ce be o es r b i t o o a f r "Adv rt sin in u y a i i g o t o the wro ge i g j r " r s n u f nth b gi ni g o t e p l cy pe i d re e n n f h o i r o ; o de cri t o o the pri e o go ds, pro uct os p i n f c f o d s r(2) "Ad e t si g i j ry a i i g ou ofv r i n n u " r s n t se v ce sta e n y ur "a v rt se e t .r i s t d i o d e i m n "i f i ge e t o co y i ht "ti l " o "sl g n"n r n m n f p r g , t e r o a i. In el ec u l P op rtyt l t a r ei y ur "a v rt se e t who e fi stn o d e i m n " s r i f i ge e t i y ur "a v rt se e t wa "Pe so a a d a v rt sinn r n m n n o d e i m n " s r n l n d e i g in u y a i i g o tj r " r s n u of co m t e be o e the be i n n o the a y o a l g d i fm i t d f r g n i g f n r l e e n ri ge e t o v o an m n r i l t o o i n f po i y p r o . a y o th fo l wi g ri h s o la s, o a yl c e i d n f e l o n g t r w r n o h r t e "pe so a a d a v rt si g in ur " a l ge i a yr n l n d e i n j y l e d n nd Crim n l Act. i a s cl i o "sui " th t a so a l ge a y sucha m r t a l l e s n"Pe so a nd a v rt si g i j ry a i i g o t o ar n l a d e i n n u " r s n u f i f i ge e t r i l t o :n r n m n o v o a i ncri i a co m t e by o a the om n l m i t d r t f (1) Co y i h ; p r g tth i sure . e n d (2) Pa e t t n ;e. Co trac u l L ab l tn t a i i i y
(3) Tra e d e s; d r s"Pe so a a d a v rt sin in ur " fo ther n l n d e i g j y r i sure ha a sum d l a i i y in a on d s s e i b l t r (4) Tra e n m ; d a e a re m nt Thi e cl sio do s no a pl tog e e . s x u n e t p y (5) Tra e a k d m r ;l a i i y f r a a e :i b l t o d m g s (6)(1) Tha the i sure o l a e i h a se cet n d w u d h v n t e b n (7) Ot e n e l ctu l p o e t i h s o a s.h r i t l e a r p r y r g t r l w Thi e cl sio d e no p l os x u n o s t a p y t :(2) Be a se o "pe so a in u y a sum d byc u f r n l j r " s e y u in a o a re m nt th t i ao r g e e a s n (1) "Ad e t si g i j ry a i i g o t o a yv r i n n u " r s n u f n "i sure co tr ct , pro i e th t then d n a " v d d a o a l g d i fri g m n o v o a i n or l e e n n e e t r i l t o f "pe so a in u y i ca se by a o f n er n l j r " s u d n f e s a o h r's co y i h , "ti l " o "sl g n" in t e p r g t t e r o a n y ur "a v rt se e t ; ro d e i m n " o
th o a re m n . So e y fo thee r g e e t l l r
(2) An o h r "pe so a a d a v rt sin in u yy t e r n l n d e i g j r "pu po e o li b l ty a sum d by y u i ar s s f a i i s e o n n a l ge in a y cla m o "sui " th t a sol e d n i r t a l"i sure co t a t , re so a l a t r e s'n d n r c " a n b e t o n y a l ge a y such i f i ge e t o v o a i nl e s n n r n m n r i l t ofe s a d ne e sa y l t ga i n e pe see n c s r i i t o x n s o a o h r' co y i ht "ti l " o "sl g n" if n t e s p r g , t e r o a ni cu re by o fo a pa ty o he th n an r d r r r t r a n y ur "a v rt se e t .o d e i m n "i sure wi l be de m d to be da a en d l e e m g s be a se o "pe so a i j ry , ro i e h t:c u f r n l n u " p v d d t a j. In u ed I ed a n n e ne ypes r s n M i A d I t r t T B si e s s u n s e(a) Li b l t to such pa t fo , o fo tha i i y r y r r r e co t o , th t pa t ' de e se ha a sos f a r y s f n s l "Pe so a a d a v rt si g in ur " ca se by ar n l n d e i n j y u d nbe n a sum d by y u in th sa ee s e o e m o fe se co m t e by a i sure who ef n m i t d n n d s"i sure o t a t ; ndn d c n r c " a bu i e s i : s n s s (b) Su h a t r e s' fe s a d l t g t oc t o n y e n i i a i n (1) Ad e t si g o pu l shi g;v r i n , r b i ne pe se a e fo de e se o th t pa tx n s r r f n f a r y CG 1 0 02 1 T 0 9 Pa e 7 o 21 g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. publication
direction
including
which
which
actual
act direction
which
contract
contract
contract
actual
"broadcasting"
injury" caused by malicious prosecution.
by e e tro i m a s, o a e i l f do e by o tl c n c e n f m t r a , i n r a of the contract or agreement; or
co m t e sub e ue t to th e e ut o om i t d s q n e x c i n f Trade secret; or
Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCIAL E ERAL IAB LITYE G N L I
(2) De ig i g o de e m n n con e t o ne tr l z n , o i a y wa es n n r t r i i g t n f u a i i g r n n y r spo di g o n n t , r o we sit s f r o he s; rb e o t r o
(3) An In e n t se rch, a ce s, co t nt ot r e a c s n e r o War . se v ce p o i e .r i r v d r "Pe so a nd a v rt si g i j ry a i i g o t o :r n l a d e i n n u " r s n u f Ho e e , thi e cl si n do s no a p y tow v r s x u o e t p l (1)Pa a ra h r g p sa. 1) (, (2) a d n(3) o th d fi i i n ff e e n t o o (2) Wa l k by a m l ta y fo ce in l d ngr i e i i r r , c u i"pe so a i j ry .r n l n u " a t o i hi d ri g o de e d ng a a n t ac i n n n e n r f n i g i s nF r t e p rp se o h s e cl sio :o h u o s f t i x u n a t a o e pe t d a t ck by a yc u l r x c e t a , n (1) Cre t n a d pro uci g co re po de ce go e nm nt so e e gn o oa i g n d n r s n n v r e , v r i r t e a t o i y h r u h r t wri t n in the co d ct o y u busin ss, usin i i a y pe so n lt e n u f o r e g m l t r r n e o t e ge t ; or o h r a n s r bu l t ns, fi a ci l o a n a re o t , ol e i n n a r n u l p r s r (3) In urre t o , re e l o , re o ut o , usurp ds c i n b l i n v l i n ene sle te s a o t y u go ds, pro u ts ow t r b u o r o d c r po e , o ta e by go e n e t lw r r k n v r m n ase v ce wil no be co si e e ther i s l t n d r d a th ri y i hi d r ng o de e di g a a nstu o t n n e i r f n n g ibu i e s o u l shi g; a ds n s f p b i n n a y o he e n f t s . (2) The pl ci g o fra e , bo d rs o l n s, oa n f m s r e r i k r p U so i i e o m n ca i n. n l c t d C m u i t oa v rt sin , fo y u o o he s a y he e od e i g r o r t r n w r n "Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u fth Int rn t wi l no , by i se f, be co si e ee e e l t t l n d r d a y o a l ge v o a i n o a y l w th tn r l e d i l t o f n a ath bu i e s o a v rt si g "bro dca ti ge s n s f d e i n , a s n " o pro i i s the se d ng tr n m t i gr h b t n i , a s i t no pu l shi g.r b i n o d stri ut n f "un o i i e co m ni a i n".r i b i g o s l c t d m u c t o k. El c ro i h t oo s O u le i B arde t n c C a r m r B l t n o s q Acc s O Di c o u e O Con id n i l O. e s r s l s r f f e t a r "Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f P rso a n o m ti ne n l I f r a o a e e tro i cha r o o bul e i bo rd then l c n c t o m r l t n a "Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u fi sure ho ts o o ns, o o e whi h then d s r w r v r c a y a ce s to o di cl sure o a y pe so ' on c s r s o f n r n s ri sure x rci e co t o .n d e e s s n r l o ga i a i n' co fi e t a o pe so ar n z t o s n d n i l r r n l l. U au h rized U e f n th r's a e On t o s O A o e N m r i f rm t o . n o a i n P o u t r d c r. Asb st s e o
"Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f (1) "Pe so a a d a v rt sin n u y a i i g o tr n l n d e i g i j r " r s n uth una t o i e use o a o he 's na e oe u h r z d f n t r m r o the o a l ge pre e ce of r l e d s n rpro uct in y ur - a l a d e s, o a n n m od o e m i d r s d m i a e r a l ge r hre t n d i pe sa o a be to ,l e d o t a e e d s r l f s s sm ta a , o a y o he sim l r ta ti s to m sl ae t g r n t r i a c c i e d a be to fi e s o pro u ts co t i i gs s s b r r d c n a n na o h r s p t nt a usto e s.n t e ' o e i l c m r a be to , pro i e th t th "pe so a a ds s s v d d a e r n l n m. P l u i n o l t o a v rt sin in ur " i ca se o co tr bu ed e i g j y s u d r n i t d to by t e h z rd us pro e ti s o sbe to .h a a o p r e f a s s"Pe so a a d a v rt sin in u y a i i g o t or n l n d e i g j r " r s n u f (2) "Pe so a a d a v rt sin n u y a i i g o tr n l n d e i g i j r " r s n uth a l ge o th e te e di cha g ,e l e d r r a n d s r e o the o a l ge pre e ce of r l e d s n rdi pe sa , se pa e m gra i n, re e se os r l e g , i t o l a r a l ge o th e t ne di pe sa o a y so i ,l e d r r a e d s r l f n l de ca e o "po l t n s" a ny t m .s p f l u a t t a i e l q i , ga e us o th rm l ir i a t oi u d s o r e a r t n rn P l u i n Rel t d. o l t o - a e co ta i a t i cl di g sm k , v po s,n m n n , n u n o e a r An o s, x e se a i in ut o nyy l s e p n r s g o f a : so t fu e , a k l s, a do , m s l a i n wa te a d th t a e pa t o a y os , n a r r f n r(1) Re ue t, de a d o de o sta ut ry oq s m n , r r r t o r "sui " whi h a so a l ge a y "pe so a a dt c l l e s n r n l nre u a o y re u re e t th t a y in ure og l t r q i m n a n s d r a v rt sin in u y de cri e i Pa a r phd e i g j r " s b d n r g ao h r te t fo , m n t r up re o et e s s r o i o , , m v , (1) a o e b v .co ta n tre t de o i y o ne t a i e o inn i , a , t x f r u r l z , r (3) An l ss, co t o e p n e a i in o t oy o s r x e s r s g u fany way respond to, or assess the effects o , "po l t n s"; r a yf l u a t o n :
(2) Cl i o sui by o o be a f o a ya m r t r n h l f n (a) Re ue t, de a d o de o sta ut ry oq s m n , r r r t o r re u a o y re ui e e t tha a y i sureg l t r q r m n t n n dgovernmental authority or any other person o o g n z ti n o te ti g fo , o o he s te t fo , mr r a i a o f s n r r t r s r o i o , cle n up,n t r a m ni o i g, up, re o i g re o e co t i , tre t de oo t r n m v n , m v , n a n a , t x fy o i r co ta n n , tre t ng de o i y ng or ne t a i e o i a y wa re pon i i g a i , t x f i u r l z , r n n y s nd to o , r Pa e 8 o 21 g f CG 1 0 02 1 T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. action
action
actual,
actual
restricts
actual actual,
actual actual,
cost or
clean
because
cleaning
acids, chemicals
claim
assessing the effects of, "pollutants".

War, including undeclared or civil war;
Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LI YE A E L I T
a se s the e f ct o , a be to ,s s f e s f s s s (3) o y u pe a i ns;f o r o r t o a be to fi e s o pro uct co t i i gs s s b r r d s n a n n pro i e ha : v d d t ta be to ; r s s s o (a) The ta e pl ce in th "co e a ek s a e v r g( ) bCl i o sui by o o be a f o a ya m r t r n h l f n te r t r " a d uri g t e p l cy pe i dr i o y n d n h o i r o ;go e n e t l a t o i y o a y o h rv r m n a u h r t r n t e (b) The e pe se a e i cu re a d re o t d tox n s r n r d n p r epe so o o ga i a i n or n r r n z t o f us wit i o e y a o the da e o theh n n e r f t fte ti g fo , m n t r ng cl a i g up,s n r o i o i , e n n n a dre o i g, con a ni g tre t ngm v n t i n , a i , de o i y ng o ne t a i i g o in a yt x f i r u r l z n , r n (c) The in ur d pe so subm t to e a i a i nj e r n i s x m n t o , wa re po di g to o a se sin they s n n , r s s g
e fe t o , a be to , a be to fi e s o a o t n s we re so a lf c s f s s s s s s b r r s f e a a n b y re ui e q r . pro uct co t i i g a be to .d s n a n n s s s b. We wi l m k th se pa m nt ol a e e y e s f s. Em l ymen -Rel t d P act c sp o t a e r i e fa l . The e pa m nt wi l no e ce d theu t s y e s l t x e a pl ca l li i o i sura ce We wi l pap i b e m t f n n . l y"Pe so a n ur " tor n l i j y : re so a l x e se f r:a n b e e p n s o(1) A e so ri in ut o nyp r n a s g o f a : (1) F rst a d a m ni te e a the ti e o ai i d i s r d t m f n(a) Re u a o e p o ha p rso ;f s l t m l y t t e n (b) Te m na i n o tha pe so 'sr i t o f t r n (2) , X-ra a d y ne pl y e t rm o m n ; o de t l se v ce , n a r i s (c) Em l y e t re a ep o m n - l t d , ,
a t o o i si n, such a co rci n,c r m s o s e o (3) ho pi a , s t l de o i n, e a u ti n re ssi n e tm t o v l a o , a g m n , pro e si n l nu si g a d un r l se v ce .f s o a r n n f e a r i s di cip i e fa l re to pro o e ors l n , i u m t 2. Ex l si n c u o sa v nce ha a sm n , hum l a i nd a , r s e t i i t o , We wi l n t a e pe se fo "bo i y i j r ":l o p y x n s r d l n u ydi crim na i n, li e , sl nd r v o a i ns i t o b l a e , i l t o o th pe so 's rig t of e r n h f , a. An I su ed y n r
o fa se a re t,r l r s
de e t o o i p i o m n a p i d t ot n i n r m r s n e t p l e o r b H red P rso. i e na tha pe so , re a d e s ot t r n g r l s f whe he such ot r , , r To a pe so hi e to do wo k fo o o be a f or n r d r r r n h l f o i si n i a p i d o ism s o s p l e r a y i sure r t na t f ny i sure .n n d o a e n o a n d co m t e be o e duri g o a t r them i t d f r , n r f e c. In u y O N rma l O c p ed P em s sj r n o l y c u i r i eti e o t a e so 's e p o m nt rm f h t p r n m l y e ; o To a pe so in u e o th t pa t o pre i er n j r d n a r f m s s(2) The spo se chi d pa e t bro h r o sisteu , l , r n , t e r r y u o n o re t tha th pe so no m l yo w r n t e r n r a l o th t pe so a a co se u nce of a r n s n q e f
"pe so a i j ry to th t pe so a whor n l n u " a r n t m d Wo ke s' Co p n a i n An i il r L w. r r m e s t o d S m a a sa y o the e pl y e t re a en f m o m n - l t d To a pe so , whe he o no a "e pl y e or n t r r t n m o e " fde cri e in Pa a ra hs b d r g p (a), (b), or (c) a y i sure , i be e i s f r t e "bo i y i j r " a en n d f n f t o h d l n u y rabove is directed. pa a l o m st be pro i e und r a wo k r 'y b e r u v d d e r e sThi e cl si n a pl e w e he th in ure m ys x u o p i s h t r e s d a co p nsa i n o di a i i y be e i s la o am e t o r s b l t n f t w rbe l a l s a e p o e r n ny o hei b e a n m l y r o i a t r si i a a . m l r l wa d t a y o l ga i n to sha e da a e wi h on o n b i t o r m g s t r e. Ath et c c i iti sl i s A t v erepay someone else who must pay damages o he "pe so a nj ry .f t r n l i u " To a pe so i j re whi er n n u d l CO ERA E CV G o pa t ci a i g i a y phy ica e e ci e or r i p t n n n s l x r s s r– MED CAL P YMEN SI A T ga e , po t , o a h e i co te ts.m s s r s r t l t c n s1. In u in g e m ns r g A r e e t f. P o u ts-Co p e ed O era i n a ardr d c m l t p t o s H za. We wi l pa m d ca e pe se al y e i l x n s s In l d d wi hi the "pro uct -co p e ec u e t n d s m l t dbe o o "bo i y i j r " ca se b n cci e tl w f r d l n u y u d y a a d n :
o e a i n h z r ".p r t o s a a d(1) On p e i e y u o n r e tr m s s o w o r n ; g Co erag x l s o s. v e A E c u i n(2) On wa s ne t to pre i e y u o n o re ty x m s s o w r n ; or u d r o e a en e C v r g A.

CG 1 0 02 1 T 0 9 Pa e 9 o 21 g f© 2017 The Travelers Indemnity Company. All rights reserved.

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

Because
accident
because
practice policy
privacy
malicious prosecution
directed
practice policy act
occurs,
accident;
regardless
accident;
Necessary medical, surgical
including prosthetic
devices; and
Necessary ambulance,
practices
capacity
because
described
occupies.
practicing, instructing
Excluded
a o r e pe se by phy i i nt u x n , s c a s o o r ho ce f u c i To any insured, except "volunteer workers".

Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCIAL E ERAL IAB LITYE G N L I
SU P EMEN ARY P YMEN SP L T A T a sum d by th in ure in th sa e "i sures e e s d e m n d co tr ct ; n a "1. We wi l pa , wi h to a y cl i wel y t n a m d. The a l ga i ns i th "sui " a d t e i f r a i nl e t o n e t n h n o m t oi v st ga e o se tl , o a y "sui " a a nst n i suren e i t r t e r n t g i a n d we k o a o t th "o cur e ce o o f n e a en w b u e c r n " r f e s rwe d fe d e n :
such th t no co fl ct a p a s to e i t be we na n i p e r x s t e a. A l e pe se we i curl x n s n . th i t re ts o the i sure a d the i t re ts oe n e s f n d n n e s f th i de n t ee n m i e ;b. Up to $2 50 fo th co t o ba l bo ds re u re, 0 r e s f i n q i d b ca se o a ci e ts o tra f c l w v o a i ne u f c d n r f i a i l t o s e. The in e n t e a d the i sure a k us tod m i e n n d s a i i g o t o the use o a y tor s n u f f n a d co t o th de e se o than n r l e f n f t th Bo i y Inj ry Li b l t Co e a e a p i s. Wee d l u a i i y v r g p l e i d m i e a a n t such "sui " a d a re than e n t e g i s t n g e t do no h v t h se bo ds.t a e o t e n we ca a si n th sa e co n e to de e d thn s g e m u s l f n e i sure nd th i d m i e ; ndn d a e n e n t e ac. The co t o bo ds to a ta hm n s, buts f n t c e t f. The i d m i e : n e n t e
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bo d . n s (a) Co p r t wi h us in th in e ti a i n,o e a e t e v s g t o d. Al re so a l e pe se by thel a n b e x n s se t e e t o d fe se o h "sui ";t l m n r e n f t e t i sure a o r re ue t to a sist us in then d t u q s s (b) Im e i t l se d us co i s o a ym d a e y n p e f ni v st ga i n o de e se o th cl i o "sui ",n e i t o r f n f e a m r t d m nd , no i e , sum o se o e ae a s t c s m n s r l g li cl di g l ss o e rn n s up to $5 0 an u n o f a i g 0 pa e s re e v d in wi h thep r c i e t "sui "; t
e. Al co rt co ts ta e a a nst th i sure in thel u s x d g i e n d (c) No i y an o h r insure who et f y t e r s "sui ". Ho e e , th se pa m nt do not w v r e y e s t co e a e i a a l b e to th i de n t ev r g s v i a l e n m i e ; a t rne s' fe s o a t rn y ' e pe se ta et o y e r t o e s x n s x d a d n a a nst h i sure .g i t e n d (d) Co p r t wi h us wi h too e a e t t f. Pre u g e t i t re t a a d d a a nst the co rdi a i g o he a pl caj d m n n e s w r e g i o n t n t r p i b e i sura cel n n i sure o tha pa t o th j d m n we pa . If a a l bl o tn d n t r f e u g e t y v i a e t he i de n t e nn m i e ; a d we m k a o f r to pa the a pl ca l li i oa e n f e y p i b e m t f (2) Pro i e u w t ri t n ut o i a i n tov d s s i h w t e a h r z t o :
i sura ce we wil no pa a y pre u g e tn n , l t y n j d m n (a) Ob a n a d o h r i f r a i nt i n t e n o m t oi te e t ba e o tha pe i d o ti e a t r then r s s d n t r o f m f e re a e t h "sui "; ndl t d o t e t ao fe . f r (b)g. Al i t re t o the fu l a o n o a y ju g e tl n e s n l m u t f n d m n i d m i e n uch "sui ".n e n t e i s tth t a t r e tr o th j d m n a da f e n y f e u g e t n So lo g a th a o e co d t o s a e m t a t r e s'n s e b v n i i n r e , t o n yb fo e we ha e pa d, o f r d to pa , oe r v i f e e y r fe s by us in th de e se o thae e f n f tde o it d in co rt th pa t o th ju g e t thap s e u e r f e d m n t i de n t e ne e sa y l t ga i n e pe sen m i e , c s r i i t o x n si w t i h a pl ca l l m t o n ura ces i h n t e p i b e i i f i s n . by us a d ne e sa y l t g ti n e p nse byn c s r i i a o x e sThe e pa m n s wi l no the l m ts os y e t l t i i f th i d m i e a o r re u st wi l be pa d ae n e n t e t u q e l i s. Su p e e t ry Pa m n s. No wi h ta d n thep l m n a y e t t t s n i g2. If we de e d a i sure a a nst a "sui " a d af n n n d g i t n n pro i i n o Pa a ra hv s o s f r g p 2. . 2) b (of I – i d m i e o the in ure i a so na e a an e n t e f s d s l m d s Co e a e – Co e a ev r g s v r g A – Bo i y Inj ry And l u d to the "sui ", we wi l de e d tha i d m i e if a l ot l f n t n e n t e l f Pro e ty Da a e Li bi i y o Pa a ra hp r m g a l t r r g p 2. . eof th f l o i g e o l w n I – Co e a e – Co e a ev r g s v r g B – Pe so a r n l An Adv rt sin Inj ry Li bi i y such pa m nt wi ld e i g u a l t , y e s la. The "sui " a a nst the i d m i e se kt g i n e n t e e s no be de m d to be da a e fo "bo i y i j ry ,t e e m g s r d l n u "da a e fo the in ure ha a sum dm g s r s d s s e "pro e ty da a e o "pe so a in u y , a d wi l nop r m g " r r n l j r " n l tth l a i i y o th i d m i e in a oe i b l t f e n e n t e r re u e t e l m ts o n ura ced c h i i f i s n .a re m nt g e e b. Thi i sura ce a pl e t uch l a i i y a sum ds n n p i s o s i b l t s e Ou o l g t o to de e d a in ure ' in e n t er b i a i n f n n s d s d m i e by t e i sure ; h n d a d to pa fo a t rne s' fe s a dn y r t o y e n l t g ti n e pe se a Sup l m n a y Pa m n si i a o x n s s p e e t r y e tc. The o l ga i n to de e d o the co t o thb i t o f n , r s f e e ds wh n n e :de e se o , tha i d m i e , ha a so be nf n f t n e n t e s l e Pa e 10 o 21 g f CG 1 0 02 1 T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

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Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LI YE A E L I T
a. We ha e use up the a pl ca l l m t o wo k rs" whi e pe fo m ng duv d p i b e i i f r e l r r i ti s e in th pa m nt o j d m n s, re a e to the co d ct oe y e f u g e t l t d n u f y ur o se t e e t o m d ca x e se ; r bu i e s;t l m n s r e i l e p n s o s n s (b) To th spo se chi d pa e t, bro he oe u , l , r n t r rb. The co d t o s se fo t a o e o the te m on i i n t r h b v , r r s f si te o tha co "e pl y e os r f t - m o e " rth a r e e i a a ra he g e m n n P r g p f. a o e b v , "v l n e r wo k r" a a co se u nceo u t e r e s n q ea e n o ge e .r o l n r m t o a a r p f P r g a h(1) a) (a o e b v ;SE TI N I – WH S AN I SU EDC O I O I N R (c) F r whi h th re i a y o l ga i n too c e s n b i t o1. If y u re d si n t d n tho a e g a e i e sha e da a e wi h o re a so e ner m g s t r p y m oa. An in i i ua , y u a d y u spo se a ed v d l o n o r u r e se who m st pa da a e be a sel u y m g s c ui sure s, but o l wit to then d n y h o the in ur de cri e in Pa a ra hf j y s b d r g po usin ss o o re t e so e o n r.f a b e f y u a h l w e (1) a) (or (b) a o e r b v ; o b. A pa tn rshi o jo n v n ure y u a e ar e p r i t e t , o r n (d) Ari i g o t o hi o he pro i i g os n u f s r r v d n ri sure . Y ur m m e s, y u pa t e s, a dn d o e b r o r r n r n fa l ng to pro i e pro e sio a he l hi i v d f s n l a tth i spo se a e a so in ure s, bu o l wi he r u s r l s d t n y t ca e se v ce . r r i s Unl ss y u a e in th busin ss oe o r e e rc. A li i e l a i i y co pa y y u a e a i sure .m t d i b l t m n , o r n n d o cup ti n o pro i i g pro e sio a he l hc a o f v d n f s n l a tY u m m e s a e a so i sure s, bu o l wi ho r e b r r l n d t n y t ca e se v ce , Pa a ra hr r i s r g p s (1) a) (, (b), (c)to th o y ur busin ss. Y ue f o e o r a d n(d) a o e do no a pl to "bo i y i j r "b v t p y d l n u ym na e s a e i sure s, but o l wi h ta g r r n d n y t o a i i g o t o pro i i g o fa l n to pro i er s n u f v d n r i i g v dth i u i s a y ur a a e s.e r d t e s o m n g r fi st a d o "Go d Sa a i a se v ce " byr i r o m r t n r i s d. An o ga i a i n o he th n a pa t e shi , j i tr n z t o t r a r n r p o n a y o y ur "e pl y e " o "v l n e rn f o m o e s r o u t e v nt r o l m te l a i i y co p ny y u a e ae u e r i i d i b l t m a , o r n wo k rs", o h r tha a e p o e or e t e n n m l y d r v l n e r Any such "e pl y e " oo u t e m o e s r
a e in ure s, but o l wi h to th ir s d n y t e r "v l n e r wo k rs" pro i i g o fa l ng too u t e r e v d n r i i d ti s a y ur o . Y uu e s o r o r pro i e fi st a d o "Go d Sa a i av d r i r o m r t n st ck o d r a e a so i sure s, but o l wi ho h l e s r l n d n y t se v ce " du i g the r wo k ho rs fo y ur i s r n i r u r o wi l be de m d to be wi hi thel e e t n
sco e o the r e pl y e t by y u op f i m o m n o re. A tr st, y u a e a in ure . Y u tru te s a eu o r n s d o r s e r pe f r i g dut e re a e to the co d ct or o m n i s l t d n u fa so in ure s, but o l wit to th il s d n y h e r y ur usin ss.o b ed ti s a t u te s.u e s r s e
(2) "Pro e ty d m ge to pr p rt :p r a a " o e y2. f he fo l wi g i a so a i sure :o t l o n s l n n d (a) Own d, r se ye o u d b ;a. Y ur "v l n e r wo k rs" o l whi e pe fo m ngo o u t e r e n y l r r i (b) Re t d to in the custo y on e , , d rdu i s re a e to the o y ur busin ss,t e l t d f o e co tr l o , o o e whi h phy ican o f r v r c s lo y u "e pl y e ", o h r th n e t e y ur o r m o e s t e a i h r o r co tr l i b i g e e ci e fo a yn o s e n x r s d r n
pu po e b ; r s yo h r tha a pa t e shi , j i t v n u e o l m t dt e n r n r p o n e t r r i i e l a i i y co p ny o y u a a e s (i o re ai b l t m a ) r o r m n g r f y u a y u, a y o y u "e pl y e ", "v l n e ro n f o r m o e s o u t e l m te l a i i y co pa y , but o l foi i d i b l t m n ) n y r wo k rs", a y pa t e o m m e i o rer e n r n r r e b r ( f y u a wi hi the o the r e p o m n by y u ot n f i m l y e t o r a pa t e shi o jo n v n u e , o a yr n r p r i t e t r ) r n whi e pe f rm n du i s re a e to the co d ctl r o i g t e l t d n u m m e (i y u a e a li i e l a i i ye b r f o r m t d i b l t o y ur busin ss. Ho e e , no e o th sef o e w v r n f e co pa y . m n ) "e pl y e " o "v l n e r wo k rs" a em o e s r o u t e r e r b. An pe so (o he tha y ur "e pl y e oy r n t r n o m o e " ri sur d f r:n e s o "v l n e r wo k r"), o a y o g n z t o , whi eo u t e r e r n r a i a i n l (1) "Bo i y i j r " o "pe so a n ur ":d l n u y r r n l i j y a t n s y u e l e ta e m na e .c i g a o r r a s t a g r (a) To y u, to y u pa t e s o e be s (io o r r n r r m m r f c. An pe so o o g n z t o ha i g pro ey r n r r a i a i n v n p ry u a e a pa t e shi o j i t v n u e ,o r r n r p r o n e t r ) te po a y custo y o y ur pro e ty if y u di ,m r r d f o p r o eto y u m m e s (if y u a e a li i eo r e b r o r m t d bu nl : t o yl a i i y co p n ), to a co "e pl y ei b l t m a y - m o e " (1) Wit to li b l t a i i g o t o theh a i i y r s n u fwhi e in th o hi o hel e f s r r m i t na ce o se o t a r p rt ; a da n e n r u f h t p o e y ne pl y e t o pe fo m ng dut em o m n r r r i i s re a e to the o y ul t d f o r (2) Unt l y u l ga re r se t t v ha be ni o r e l p e n a i e s e bu i e s, o to y u o h r "v l n e r a po n e .s n s r o r t e o u t e p i t d CG 1 0 02 1 T 0 9 Pa e 11 o 21 g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. insurance
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"e e u i e o f ce s" (i y u a e a o ga i a i nx c t v f i r f o r n r n z t o Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCIAL E ERAL IAB LITYE G N L I
d. Y u l g l re re e t t v if y u di , but o lo r e a p s n a i e o e n y b. Ari e o t o th o n r hi , m i te a ce os s u f e w e s p a n n n r wi h to duti s as such. Tha use o t a a t o ny pre i et e t f h t p r f a m s s l a e o y u.e s d t o re re e ta i e wi l ha e a l y u rig t a dp s n t v l v l o r h s n The i sura ce pro i e to such pre i e o ne ,n n v d d m s s w rdu i s un e hi Co e a e Pa tt e d r t s v r g r . m na e o l sso i to the fo l w nga g r r e r s l o i e. An pe so o o ga i a i n tha , wi h y u pro i io s:y r n r r n z t o t t o r v s n e pre s o im l e co se t, e t e use o isx s r p i d n n i h r s r a. The l m ts o i sura ce pro i e to suchi i f n n v d dre po sib e fo the use o a wa e cra t th t y us n l r f t r f a o pre i e o ne , m na e o le so wi l be them s s w r a g r r s r ldo no o n th t s:t w a i m n m m l m t th t y u gre d o p o i e i hei i u i i s a o a e t r v d n t (1) 50 fe t o g r e s; a d wri t n o a r e e t, o the le l n o l s n t e r g e m n r i i s m t sho n i he ra i ns, hi e a e l ss.w n t t o w v r r e(2) No be ng use to ca ry a y pe so ot i d r n r n r pro e ty f r .p r o a b. The in ura ce pro i e to such pre i es n v d d m s s o ne , m na e r e so o s no a pl t :w r a g r o l s r d e t p y o3. An o g n z t o y u ne l o fo m o h ry r a i a i n o w y r r , t e th n a pa t e shi , jo n v nt r o l m t d l a i i ya r n r p i t e u e r i i e i b l t (1) An "bo i y in u y o "pro e ty da a ey d l j r " r p r m g " co p ny a d o y u a e t e so e o n r o i th t o cur , o "pem a , n f o r h l w e r n a c s r rso a a d a v rti in l n d e s ng y u m i t i a o ne shi in e e t o m r i j ry ca se byo a n a n n w r p t r s f o e n u " u d a o fe se tha in f n t s th n 50 , wi l qu l fy a a Na e nsure f t e e i co m t e , ft r oa % l a i s m d I d i h r s m i t d a e y u to be t na t n a e n i no o h r sim l r in ura ce a a l bl to tha th t re i e ; rt e i a s n v i a e t a p m s s o o ga i a i n o e e :r n z t o . H w v r (2) St u tu a a te a i ns, ne or c r l l r t o w r a. Co e a e und r thi pro i i n i a f rde o l de o i i n o e a iv r g e s v s o s f o d n y m l t o p r t o s pe fo m dn r r e by o o r n un i th 180t da a t r y u o fo m th be a f o such p e i e ot l e h y f e o r r e h l f r m s s wn r, m na e r e a g r o o ga i a i n o the e d o the pe i d, l sso .r n z t o r n f r o e r

5. An pe so o o g n z t o th t is a e ui m nty r n r r a i a i n a n q p e b. Co e a e v r gA do s no a pl to "bo i y in u y o l sso nd t a o a ee t p y d l j r " r e r a h t y u h v gr e i w i t n co a e d n a r t e ntr ct a "pro e ty da a e th t be o e y u o a re m nt to in l dp r m g " a f r o r g e e c u e a a a d t o as n d i i n l i sure o n d n i e r f rm d he o ga i a i n nd th s Co e a e Pa t is au r d o o e t r n z t o ; a i v r g r n i sure , bu n d t o l wi h n y t re pe t to l a i i y fo "bo i y i j ry , "pro e tys c i b l t r d l n u " p rc. Co e a e v r gB do s no a p y to "pe so a a de t p l r n l n da a e , r "pe so a nd a v rt si g i j ry th t:m g " o r n l a d e i n n u " aa v rt sin i j ry a i i g o t o a o f n ed e i g n u " r s n u f n f e s co m t e be o e y u a q i e o fo m d them i t d f r o c u r d r r e a. Is "bo i y i j ry o "pro e ty da a e th td l n u " r p r m g " a o ga i a i n o cur , o i "pe so a a d a v rt si g in u yr n z t o . c s r s r n l n d e i n j r " ca se by a o fe se tha is co m t e ,u d n f n t m i t dF r th pu po e o Pa a r po e r s s f r g a h 1. o Se t o f c i nII – subse u nt to the si n ng o tha co tr ct oq e g i f t n a rWho Is An In ure , e ch such o ga i a i n wi l bes d a r n z t o l a re m nt a dg e e ; nde m d o b e ig a e n t ee e t e d s n t d i h b. Is ca se , in who e o i pa t, by y u a ts ou d l r n r o r c r a. An o g n z t o , o he tha a pa t e shi , jo nr a i a i n t r n r n r p i t o i si n in the m i t n nce o e a i n o usem s o s a n e a , p r t o rv nt r r i i e i bi i y co pa y re u e o l m t d l a l t m n ; o o e u pm n l a e to y u by such e u p e tf q i e t e s d o q i m n l sso . e rb. A rust; t
The in ura ce pro i e t such qu p e t l sso ss n v d d o e i m n e r ia e in it na e o the do um nt thas t d s m r c e s t subj ct to t e fo l wi g p o i i n :e h l o n r v s o sgo e n i s str ct rev r t u u . a. The l m ts o i sura ce pro i e to suchi i f n n v d d4. An pe so o o g n z t o th t i a pre i ey r n r r a i a i n a s m s s e ui m n e so w l e t e m n m m l m t t aq p e t l s r i l b h i i u i i s h to ne , m n g r o l sso a d th t y u ha e a re dw r a a e r e r n a o v g e y u a r e to pro i e i the wri te co tr ct oo g e d v d n t n n a r i a wri t n co t a t o a re m nt to i cl d a an t e n r c r g e e n u e s n a re m nt o the li i s sho n i thg e e , r m t w n e a di i n l in ure o th s Co e a e Pa t is ad t o a s d n i v r g r n De l ra i ns, hi h v r a e l ss.c a t o w c e e r e i sure , but o l wit re pe t to li b l t fo "bo i yn d n y h s c a i i y r d l b. The i sura ce pro i e to such e u p e tn n v d d q i m ni j ry , "pro e ty da a e o "pe so a a dn u " p r m g " r r n l n l sso do s no a pl to a y "bo i y i j ry oe r e t p y n d l n u " ra v rt sin n ur " th t:d e i g i j y a "pro e ty da a e th t o curs, o "pe so ap r m g " a c r r n l a. Is "bo i y i j ry o "pro e ty da a e th t a d a v rt sin in ur " cad l n u " r p r m g " a n d e i g j y u e by a o fe ses d n f n th t i co m t e , a t r the e ui m nt l a ea s m i t d f e q p e e soccurs, or is "personal and advertising injury" e pi e . x r sca se by a o fe se tha is co m t e ,u d n f n t m i t d subse u nt to the si n ng o tha co tr ct oq e g i f t n a r No pe so o o ga i a i n is a in urer n r r n z t o n s d a re m nt a dg e e ; n th co du t o a y curre t o pa t pa t e shi , jo ne n c f n n r s r n r p i t Pa e 12 o 21 g f CG 1 0 02 1 T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. respect
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Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LI YE A E L I T
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a Na e In ure in the ra i n . Thi pa a ra h Pre i e Re tm d s d a t o s s r g p m s s n e To Y u Li i i thd o m t n e do s no a pl to a y such pa t e shi , jo n v nt re o De rae t p y n r n r p i t e u r t o s o hi Co e a e Pai n f t s v r g rt o ; r l m te l a i i y co pa y tha o h rwi e qua i i s a ai i d i b l t m n t t e s l f e s n b. $3 0 0 0 if no a o nt i sho n fo the0 , 0 m u s w r Da a e To Pre i e Re t d To Y u Li i im g m s s n e o m t n SE TI N I I – L MIT F I S RAN EC O I I S O N U C

7. Su j ct to Pa a r pb e r g a h 5. a o e the M d cab v , e i l1. The Li i s o Insura ce sho n i thm t f n w n e Ex e se Li i i th m st we wil pa und rp n m t s e o l y ea d th rul s be o fi the m st we wi l pan e e l w x o l y Co e a e v r gC fo a l m di e p nse be a se or l e x e s c u fr ga d e s o he nu be f:e r l s f t m r o "bo i y i j r " su ta n d y a y o e p rso .d l n u y s i e b n n e na. In ure s; s d The Li i s o Insura ce o thi Co e a e Pa t a plm t f n f s v r g r p y b. Cl i s m de o "sui s" bro gh ; oa m a r t u t r se a a e y to e ch co se ut v a n a pe i d a d to a yp r t l a n c i e n u l r o n n re a ni g pe i d o l ss th n 12 m nt s, sta t n wi hm i n r o f e a o h r i g tc. Pe so s o o ga i a i n m k ng or n r r n z t o s a i r th be i n n o the po i y pe i d sho n i thee g n i g f l c r o w nbri g ng "sui s".n i t De ra i ns, un e s the po i y pe i d is e t nd d a t rt o l s l c r o x e e f e2. The Ge e a Agg e a e L m t m st e wi l p yn r l r g t i i i o w l a i sua ce fo a a di i n l pe i d o le s th n 12s n r n d t o a r o f s afo he sum o :r t f m nt s. In th t ca e th a d t o a pe i d wi l beo h a s , e d i i n l r o l a. M di a x e se un e o e a ee c l e p n s d r C v r g C; de m d pa t o h l st re i g e i d o urp se oe e r f t e a p n p r o f r p o s f de e m n ng th L m ts o nsura cet r i i e i i f I n .b. Da a e unde Co e a em g s r v r g A, e ce t da a ex p m g s o "bo i y i j ry o "pro e ty da a ef d l n u " r p r m g " SE TI N I – CO MERCIAL G N RAL L AB L TYC O V M E E I I I i cl d d in th "pro uct -co p e e o e a i nsn u e e d s m l t d p r t o CO D TI N N I O S ha a d ; nd z r " a 1. B n ru tcy a k p
c. Da a e u d r Co e a em g s n e v r g B. Ba k up cy o i so v ncy o th i sure o o thn r t r n l e f e n d r f e

3. The Pro u ts-Co pl t d Ope a i ns Aggr g ted c m e e r t o e a i sure ' e ta e wi l no re i v us o o r o l ga i nn d s s t l t l e e f u b i t o s Li i i th m st we wi l pa un e Co e a em t s e o l y d r v r g A for un e hi Co e a e Pa td r t s v r g r . da a e o "bo i y in u y a d "pro e tym g s f d l j r " n p r 2. D ti s In T e vent O cc rren e O f n e,u e h E f O u c , f e sda a e i cl de i the "pro uct -co p e em g " n u d n d s m l t d Cla m r S i i O u to e a i n h z rd .p r t o s a a " a. Y u m st se to i th t we a e no i i d a so no u e t a r t f e s o4. Su j ct to Pa a r pb e r g a h 2. a o e th Pe so a Andb v , e r n l a pra a l o a o a o f n es b e f n " r n f e sAd e t si g In u y Li i is the m st we wi l pav r i n j r m t o l y whi h m y re ul i a cla m To the e t nc a s t n i . x e tun e Co e a ed r v r g B fo the sum o a l da a er f l m g s po si l , sho ls b e u dbe a se o a l "pe so a i j ry a d "a v rt sinc u f l r n l n u " n d e i g (1) Ho , whe a d whe e the e ce ow n n r r n " ri j ry susta n d y a y o e pe so r r a i a i nn u " i e b n n r n o o g n z t o . o fe se t o l cef n o k p a ;5. Su j ct to Pa a r pb e r g a h 2. or 3. a o e b v , (2) The na e a d a dr sse o a y in ur dm s n d e s f n j ea pl e , the Occurr n e Li i i th m st wep i s e c m t s e o pe so s a d i n sse ; ndr n n w t e s awi l p y fo he sum o :l a r t f (3) The na ur a d l ca i n o a y i j ry ot e n o t o f n n u ra. Da a e u d r Co e a em g s n e v r g A; nd a da a e a i i g o t o th e ce om g r s n u f e r n " rb. M di a x e se un e o e a ee c l e p n s d r C v r g C; o fe se f n . be a se o a l "bo i y i j ry a d "pro e ty da a ec u f l d l n u " n p r m g " b. If a cl i i m de o "sui " i bro g t a a nsta m s a r t s u h g ia i i g o t o a y o e "o cur e ce .r s n u f n n c r n " a y i sure , y u u t:n n d o m s F r the pur o e o de e m ni g the a pl ca lo p s s f t r i n p i b e (1) Im e i t l re d th o them d a e y e fEa h Occurr n e Li i , a l re a e oc e c m t l l t d r cl i r "sui " a d he da e r ce v d nda m o t n t t e i e ; ao i si n co m t e i pro i i g o fa l ng tom s o s m i t d n v d n r i i (2) No i y us a so n a pr ct ca l .t f s o s a i b epro i e fi st a d o "Go d Sa a i a se v ce " tov d r i r o m r t n r i s a y o e pe so wi l be de m d to be o en n r n l e e n Y u m st se to i tha e r ce v ri t n o u e t t w e i e w t e "o cur e ce . c r n " o h cl i o "sui " a so n af t e a m r t s o s

6. Su j ct to Pa a r pb e r g a h 5. a o e th Da a e Tob v , e m g c. Y u a d ny o he n o v d n ure m st:o n a t r i v l e i s d u Pre i e Re t d To Y u Li i i the m st we wilm s s n e o m t s o l (1) Im e i t l se d us co i s o a ym d a e y n p e f npa und r Co e a ey e v r g A fo da a e or m g s f de a d , , sum o se o le am n s m n s r g l"pre i e da a e to a y o e pre i e . Them s s m g " n n m s s pa e s re v d in co ne n wit thp r e n h eDa a e To Pre i e Re t d To Y u Li i w l em g m s s n e o m t i l b : cl i r "sui ";a m o t CG 1 0 02 1 T 0 9 Pa e 13 o 21 g f© 2017 The Travelers Indemnity Company. All rights reserved.

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

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insured under Section II – Who Is An Insured.

Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCIAL E ERAL IAB LITYE G N L I
(2) Au h ri e us to o ta n a d o h rt o z b i n t e (i i i )An o f ce o o f i r r f i f rm t o ; a y o h r r a i a i n rn o a i n n t e o g n z t o ; o (3) Co p r t wi h us i th in e ti a i n oo e a e t n e v s g t o r ( v) iA ruste f ny t u t;t e o a r s se t e e t o the cl i o de e se a a nstt l m n f a m r f n g i th t is y u pa t e , jo n v n u ea o r r n r i t e t rth "sui "; nde t a m m e , m na e o ru te ; re b r a g r r t s e o (4) Assi t us, upo o r re ue t, i thes n u q s n (b) An e p o e a t o i e by suchy m l y e u h r z de fo ce e t o a y ri h a a n t a yn r m n f n g t g i s n pa t e shi , j i t v n ure li i er n r p o n e t , m t dpe so o o ga i a i n m y be l a lr n r r n z t o a i b e l a i i y co p ny trust or ot ei b l t m a , h rto th i sure o in u y o da a ee n d f j r r m g o ga i a i n to gi e o ar n z t o v f nto wh ch hi i sura ce m y a so a p yi t s n n a l p l . o o fe se " r f n . d. No in ure wi l e ce t a th t in ure 's o ns d l , x p t a s d w (3) to us o such of rco t, v l nt ri y m k a pa m n , a sum a ys o u a l a e y e t s e n o fe se wi l be de m d to be gi e a so nf n l e e v n s oo l g ti n o a y e pe se o h r tha fob i a o , r n x n , t e n r a pra ti a l i it is gi e i go d fa th as c c b e f v n n o i sfi st i , wi h u o r r a d t o t u so n a pra ti a l to y u wo k r 'o s c c b e o r r e s co p nsa i n in ure . Thi a p i s o l ifm e t o s r s p l e n ye. The fo l wi g pro i io s a p y to Pa a ra hl o n v s n p l r g p a. y u subse ue tl gi e no i e to us o theo q n y v t c fa o e bu o l fo pur o e o th in ura ceb v , t n y r p s s f e s n "o cur e ce o o fe se a so n ac r n " r f n s o spro i e un e t i Co e a e Pa t o y u o a yv d d d r h s v r g r t o r n pra t ca l a t r a y o th pe so sc i b e f e n f e r ni sure l ste i Pa a r pn d i d n r g a h 1. or 2. o Se ti n f c oII de cri e in Pa a ra hs b d r g p e. 1 ( )or (2) a o e b v– Who I A nsure :s n I d di co e s tha th "o cur e ce o o fe ses v r t e c r n " r f n (1) No i e to us o such ot c f r m y re ul in sum to whi h the in ura cea s t s c s n o fe se m st be gi e a so n af n u v n s o s pro i e un e th s Co e a e Pa t m yv d d d r i v r g r a pra l o l a t r th e ce ob e n y f e e r n " r a pl . p y o fe se is k o n to y u (i y u a e af n n w o f o r n Ho e e , i thi po i y i cl de a e do se e tw v r f s l c n u s n n r m ni d v du l , a y o y u pa tn rs orn i i a ) n f o r r e th t pro i e li i e co e a e fo "bo i y i j rya v d s m t d v r g r d l n u "m m e s who i a in i i u l (if y u a e ae b r s n d v d a o r o "pro e ty da a e o po l ti n co ts a i i gr p r m g " r l u o s r s npa t e shi o jo n v n ure , a y o y ur n r p r i t e t ) n f o r o t o a di cha ge re e se o e ca e ou f s r , l a r s p fm na e s who is a in i i u l (i y u a e aa g r n d v d a f o r "po l t n s" whi h co t i s a re ui e e t thal u a t c n a n q r m n tl m te li b l ty co p n ), a y o y ui i d a i i m a y n f o r th di cha ge re e se o e ca e o "po l t n s"e s r , l a r s p f l u a t"e e u i e o f ce s" o (i y u a ex c t v f i r r f o r m st be re o te to us wi h n a spe i i n m eu p r d t i c f c u b ra o g n z t o o h r tha a pa t e shi ,n r a i a i n t e n r n r p o da s a t r i s a ru t co m n e e t, th sf y f e t b p m e c m n ij i t v nt re o li i e l a i i y co pa y ,o n e u , r m t d i b l t m n ) Pa a r p r g a he. do s n t a fe t t a e u re e t.e o f c h t r q i m n a y o y ur tr ste s who is a i d v du l (ifn f o u e n n i i a 3. L g l c i n Ag i s se a A t o a n t Uy u a e a trust) o a y "e pl y eo r r n m o e " No pe so o o g n z t o ha a ri h und r th sr n r r a i a i n s g t e ia t o i e by y u to gi e no i e o au h r z d o v t c f n Co e a e P rt v r g a :"o cur e ce o o fe sec r n " r f n . a. To jo n us a a pa t o o h r i e bri g us i ti s r y r t e w s n n o(2) If y u a e a pa t e shi , jo n v n ureo r r n r p i t e t , a "sui " a ki g o d m ge f o n n ure ; ot s n f r a a s r m a i s d rl m te li b l ty co pa y o tru t, a d no ei i d a i i m n r s n n b. To sue us o th s Co e a e Pa t unl ss a l on i v r g r e l fo y ur pa t e s, jo n v nt r m m e s,f o r n r i t e u e e b r i s t rm ha e be n u l co p i d i ht e s v e f l y m l e w t .m na e s o t u te s a e i di i u l , o i ea g r r r s e r n v d a s n t c to us o such "o cur e ce o o f nse m stf c r n " r f e u A pe so o o ga i a i n m y sue us to re o e or n r r n z t o a c v r n be gi e a so n a pra ti a l o l a t rv n s o s c c b e n y f e a a r e se t e e t o o a fi a ju g e t a a nstn g e d t l m n r n n l d m n g i th "o cur e ce o o fe se i k o n ye c r n " r f n s n w b : a in ure ; but we wil no be li b e fo da a en s d l t a l r m g s th t a e no pa a l und r th te m o th sa r t y b e e e r s f i(a) An nd v du l w o i :y i i i a h s Co e a e Pa t o tha a e i e ce s o thev r g r r t r n x s f (i) A pa t e o m m e o a yr n r r e b r f n a pl ca l l m t o in ura ce An a r e se tl m np i b e i i f s n . g e d t e e t pa t e shi r o n e t r ;r n r p o j i t v n u e m a s a se tl m n a d e e se o i b l t ig e ye n t e e t n r l a f l a i i y s n d b us, the i sure , a d the cl i a t o th cla m n 'n d n a m n r e i a t s(i ) iA m na e o a y l m te l a i i ya g r f n i i d i b l t l ga e r se ta i ee l r p e n t v .co p ny m a ; Pa e 14 o 21 g f CG 1 0 02 1 T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. records
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Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LI YE A E L I T

4. O h r n u an e ( it e I s r c i ) Tha i in ura ce fo "pre i et s s n r m s s da a e ; m g "If v l d a d co l cti l o h r i sura ce is a a l bl oa i n l e b e t e n n v i a e t ( i ) i iIf th lo s a i e o t o thee s r s s u fth i sure fo a lo s we co e unde Co e a ee n d r s v r r v r g s A m i t na ce o use o a rcra ta n e n r f i f ,or B o th s Co e a e Pa t o r o l g t o s a ef i v r g r , u b i a i n r "a t s" o wa e cra t to the e t ntu o r t r f x el m te a de cri e i a a ra hi i d s s b d n P r g p s a. a d nb. be o . l w no subj ct to a y e cl sio i th st e n x u n n iAs use a y he e in th s Co e a e Pa t o h rd n w r i v r g r , t e Co e a e Pa t th t a pl e tov r g r a p i si sura ce m a s in ura ce o th fun i g on n e n s n , r e d n f a rcra t "a t s" o w t rcra ti f , u o r a e f ;l sse , ha s p o i e y hr u h o o b ha f o :o s t t i r v d d b , t o g r n e l f (i ) vTha is in ura ce a a l bl to at s n v i a e(i) An t e i sura ce co pa yo h r n n m n ; pre i e ow e , m na e orm s s n r a g r (i ) iUs o n f ur ff l a e n ura ce co pa i s,r a y o o a i i t d i s n m n e l sso th t qua i i s a a in uree r a l f e s n s d e ce t whe th No cum l t o ox p n e n u a i n f un e Pa a ra hd r r g p 4. of II – Occurr n e Li i pro i io o Pa a ra he c m t v s n f r g p 5. of Who Is An Insure , e ce t whed x p n III – Li i s Of Insura ce o th Nom t n r e n Pa a r p r g a hd. be o pp i s; rl w a l e o cum l ti n o Pe so a a d Adv rt sin In uru a o f r n l n e i g j y (v) Tha is i sura ce a a l b e to at n n v i a l nLi i pro i io o Pa a ra hm t v s n f r g p 4. of III – e ui m n l sso th t qua i i s aq p e t e r a l f e sLi i s o In ura ce a p i s thm t f s n p l e e a in ure unde Pa a r pn s d r r g a h 5. ofAm n m n – No Cum l t o Of e d e t n u a i n II – Who Is An Insure , dOccurr n e Li i Of Li bi i y And Noe c m t a l t n e ce t whe Pa a ra hx p n r g p d. be o l wCum l t o Of Pe so a A d Ad e t si g Inj ryu a i n r n l n v r i n u a pl e . p i sLi i e do se e t i i cl de n thm t n r m n s n u d i i ; (b) An o the o h r i sura ce whe hey f t e n n , t r(i i i )An i k e e ti n gro p; oy r s r t n o u r pri a y e ce s, co t n e t o o a ym r , x s n i g n r n n o h r ba is, tha i a a l bl to tht e s t s v i a e e(iv) Any self-insurance method or program, in i sure whe the i sure is an d n n d nwhich case the insured will be deemed to be th p o i e f o h r i sura ce a di i n l i sure , o is a y oe r v d r o t e n n . d t o a n d r n th r e i sure tha do s no qu l fy a an d t e t a i sOt e in ura ce do s no in l d um re lh r s n e t c u e b l a na e i sure , un e such o h rm d n d d r t ei sura ce o e ce s in ura ce th t wa bo g tn n , r x s s n , a s u h i sura ce n n .spe i i a l to a p y in e ce s o th Li i s oc f c l y p l x s f e m t f (2) Whe th s i sura ce i e ce s, we wiln i n n s x s lIn ura ce sho n in the o th ss n w f i ha e no dut und r Co e a ev y e v r g s A or B toCo e a e P rt v r g a . de e d th i sure a a nst a y "sui " i a yf n e n d g i n t f nAs use a y he e in th s Pa t o h rd n w r i r , t e o h r in ure ha a du y to de e d thet e s r s t f ni sure m a s a pro i e o o h r in ura ce Asn r e n v d r f t e s n . i sure a a n t tha "sui ". If no o h rn d g i s t t t euse in Pa a ra hd r g p c. be o , in ure m a s al w s r e n i sure de e d , we wi l un e t k t o son r f n s l d r a e o d ,pro i e f n ura cev d r o i s n . bu we wi l b nt t e t h i sure ' ri h st l e e i l d o t e n d s g t a a nst l h se o h r nsur r .g i a l t o t e i e sa. P i ary I su an er m n r c (3) Whe thi in ura ce i e ce s o e o h rn s s n s x s v r t eThi insura ce is pri a y whes n m r n i sura ce we wi l pa o l o r sha e o then n , l y n y u r fPa a r p r g a hb. be o a pl e . If th s i sura ce il w p i s i n n s a o nt o the lo s, i a y th t e ce d them u f s f n , a x e spri a y o r o l g ti n a e no a f cte un e sm r , u b i a o s r t f e d l s sum o : fa y o th o h r i sura ce is a so pri a yn f e t e n n l m r . (a) The to a a o nt tha a l such o h rt l m u t l t eThe , we wi l sha e wi h a l t a o he n ura cen l r t l h t t r i s n i sur n e wo l pa fo th lo s i thn a c u d y r e s n eby t e m th d e cri e n Pa a r ph e o d s b d i r g a h c. be o , l w a se ce o hi i sura ce nb n f t s n n ; a de ce t h n a a ra hx p w e P r g p d. be o pp i s. l w a l e (b) The to a o a l a d se ft l f l n l -b Ex e s I s ran e. c s n u c i sure a o nt unde a l th t o h rn d m u s r l a t e (1) Thi i sura ce i e ce s o e :s n n s x s v r i sur n e n a c . (4) We wi l sha e the re a n ng l ss, if a yl r m i i o n ,( ) aAn o the o he in ura ce whe hey f t r s n , t r wi h a y o he in ura ce th t i not n t r s n a s tpri a y e ce s, co t n e t o o a ym r , x s n i g n r n n de cri e in thi Ex e s Insura ces b d s c s no h r b si : t e a s pro i i n a d wa no bo g t spe i i a l tv s o n s t u h c f c l y o( ) i Tha is Fi e Ex e d d Co e a et r , t n e v r g , a pl i e ce s o the Li i s o In ura cep y n x s f m t f s nBu l e ' Ri k In ta l t o Risk oi d r s s , s l a i n r sho n i th r t o s o thi Cov r gw n e a i n f s e a e Pa t r .

CG 1 0 02 1 T 0 9 Pa e 15 o 21 g f© 2017 The Travelers Indemnity Company. All rights reserved.

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

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Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCIAL E ERAL IAB LITYE G N L I
c. Meth d O h rin a.o f S a g The sta e e t in th a et m n s e r a cura e a d co p e ec t n m l t ;If a l o the o he i sura ce pe m t co t i ut ol f t r n n r i s n r b i n by e u l sha e , w i l fo l w t i m t o l oq a r s e w l l o h s e h d a s . b. Tho e sta e e ts a e ba e upos t m n r s d n Und r th s e ch in ure co t i ut s re re e t ti n y ue i a s r n r b e p s n a o s o a e to us; nm d a d e ua a o n s unt l it ha pa d it a pl ca lq l m u t i s i s p i b e c. We ha e i sue th s po i y i re i n e up nv s d i l c n l a c o l m t o in ura ce o no e o th l ss re a ns,i i f s n r n f e o m i y ur e re e ta i ns.o r p s n t o The uni te ti n l o i sio o , o uni t n i na e ron n o a m s n f r n e t o l r r If a y o th o h r i sura ce do s no pe m tn f e t e n n e t r i i , a y i f rm ti n pro i e by y u whi h we re i dn n n o a o v d d o c l e co tr bu i n by e u l sha e , we wi l co t i utn i t o q a r s l n r b e up n i issui g th s po i y wi l no pre u i e y uo n n i l c l t j d c o r by l m t . Und r th s m t o , e ch i sure 'si i s e i e h d a n r ri ht unde th s in ura ce Ho e e , thi pro i i ng s r i s n . w v r s v s o sha e is ba e o the ra i o i s a p i a l i ir s d n t o f t p l c b e l m t do s no a f ct o r ri h to co l ct a di i n le t f e u g t l e d t o a o in ura ce to th to a a pl ca l li i s of s n e t l p i b e m t f pre i m o to e e ci e o r rig t o ca ce l t o om u r x r s u h s f n l a i n r i sura ce o l nsure s.n n f a l i r no re e a i cco d nce w t pp i a l n ura cen n w l n a r a i h a l c b e i s n d P i a y And No -Co trib t ry In u an e If. r m r n n u o s r c l ws o e ul t o s.a r r g a i n Req i ed B Wri te o tracu r y t n C n t 7. Se arat o f n u edp i n O I s r s If y u spe i i a l a re i a wri t n co t a t oo c f c l y g e n t e n r c r Ex e t wi h re pe t to the Li i s o In ura ce a dc p t s c m t f s n , n a re m nt tha the i sura ce a fo d d to ag e e t n n f r e n a y ri h s o du i s a sig e i th sn g t r t e s n d n i i sure un e hi Co e a e Pa t m st p l nn d d r t s v r g r u a p y o Co e a e Pa t to the fi st Na e Insure , th sv r g r r m d d i a pri a y ba i , o a pri a y a d no -m r s s r m r n n i sura ce a pl e :n n p i s co tr bu o y ba is, th s i sura ce is pri a y ton i t r s i n n m r a. As i e ch Na e In ure we e the o lf a m d s d r n yo h r in ura ce th t i a a l bl ot e s n a s v i a e t Na e n ure ; ndm d I s d awhi h o e s such n ure a a n m d i sure ,c c v r i s d s a e n d b. Se a a e y to e ch in ure a a n t who cl ip r t l a s d g i s m a ma d we wil no sha e wi h th t o h r in ura cen l t r t a t e s n , i m d o "sui " i b o g ts a e r t s r u h .pro i e ha : v d d t t

8. Tra sfe O i h s O e o ery Ag i s t ersn r f R g t f R c v a n t O h(1) The "bo i y i j ry o "pro e ty da a e fod l n u " r p r m g " r To Uswhi h co e a e i so gh o cur ; ndc v r g s u t c s a If the i sure ha ri h s to re o e a l o pa t o a yn d s g t c v r l r r f n(2) The "pe so a a d a v rt sin i j ry for n l n d e i g n u " r pa m n we ha e m d unde thi Co e a e Pa ty e t v a e r s v r g r ,whi h co e a e is so gh i ca se by ac v r g u t s u d n th se ri ht a e tra sfe re t us. he i sure usto g s r n r d o T n d mo fe se t a i co m t e ;f n h t s m i t d do no h ng a te l ss to i p i th m At o r re u st,t i f r o m a r e . u q esubse u nt to the si n ng o tha co tr ct oq e g i f t n a r th i sure wi l bri g "sui " o tra sfe tho e ri h se n d l n t r n r s g ta re m nt by y ug e e o . to us a d h l s e f rce t e .n e p u n o h m

5. P e i m Au ir m u d t 9. Wh n We D N t en we o o R e a. We wi l co p t a l p e i m f r h s Co e a el m u e l r m u s o t i v r g If we d ci e n t o r n w h s Co e a e P rt e wi le d o t e e t i v r g a , w lPa t i cco d nce w t ur u e a d a e .r n a r a i h o r l s n r t s m i o de i e to th fi st Na e In ure sho n ina l r l v r e r m d s d w b. Pre i m sho n in th s Co e a e Pa t am u w i v r g r s th De l ra i n wri te no i e o the no r n wae c a t o s t n t c f n e e l a v nce pre i m i a de o i pr m um o l . Ad a m u s p s t e i n y t no l ss th n 0 da s be o e t e e pi a i n da et e a 3 y f r h x r t o t . th clo e o e ch a d t pe i d we wi l co p te s f a u i r o l m u e If no i e is m i e , pro f o m i i g wi l be suffi i nt c a l d o f a l n l c e tth e rn d pre i m fo th t pe i d a d se de a e m u r a r o n n pro f f o i e o o n t c .no i e t th fi st Na e I sure . The du da et c o e r m d n d e t SE TI N V – D F N T O SC O E I I I Nfo a di a d re ro pe ti e p e i m i t e d tr u t n t s c v r m u s s h a e

1. "shown as the due date on the bill. If the sum of Ad e t se e t" m a s a no i e th t s br a ca t ov r i m n e n t c a i o d s r pu l she to the ge e a pub i o spe i i m rb i d n r l l c r c f c athe advance and audit premiums paid for the k t e po i y pe i d is gre te tha the e rn dl c r o a r n a e se m nt a o t y ur go ds, pro u ts o ser i eg e s b u o o d c r v c s fo th purp se o a t a g custo e s or e o f t r m r rpremium, we will return the excess to the first Na e nsure . supp rt r . o h p r o e o hi de i i i nm d I d o e s F r t e u p s s f t s f n t o :
c. The fi st Na e In ure m st k e re o d or m d s d u e p c r s f a. No i e th t a e publ she i cl de m t r at c s a r i d n u a e i l th in o m t o we ne d fo pre i m pl ce o the Int rn t o oe f r a i n e r m u a d n e e r n sim l r i a co p t ti n a d se d us co i s a such t m sm u a o , n n p e t i e m a s o co m ni a i n; a de n f m u c t o n a we m y re u st.s a q e b. Re a di g we sit s, o l tha pa t o a we si eg r n b e n y t r f b t

6. Rep es n ati nr e t o s th t is a o t y u go d , pro u ts o se v cea b u o r o s d c r r i s fo th pur o e o a t a custo e s or e p s s f t r m r rBy ti g t i p l cy o gre :p n h s o i , y u a e supp rt r i co si e e a a v rt se e to e s s n d r d n d e i m n .

Pa e 16 o 21 g f CG 1 0 02 1 T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. approach
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Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LI YE A E L I T

2. "Ad e t si g i j ry :v r i n n u " b. In by o wit a y o he e e o i m a s o, r h n t r l n c e n f co m n ca i n such a th In e n t, if tham u i t o , s e t r e ta. M a s in ur ca se by o e o m re o thee n j y u d n r o f m te i l i p r f:a r a s a t ofo l wi g o fe se :l o n f n s (1) Ra i o te e i i n pro r m i g be ngd o r l v s o g a m n i(1) Ora o writ e a i n incl di gl r t n t o , u n tr n m t e ; a s i t dpu l ca i n by e e o i m a s, o m t ri lb i t o l n c e n f a e a i y ur "a v rt se e t th t sla d rs on o d e i m n " a n e r (2) Ot e en e ta n e t e uca i n lh r t r i m n , d t o a ,l b l a pe son or or a i a i n ori e s r g n z t o i structi n l m si o ne s pro r m i gn o a , u c r w g a m ndi pa a e a pe so ' o o ga i a i n ss r g s r n s r r n z t o ' be n ra sm t e ; oi g t n i t d rgo ds, pro u ts o se v ce , pro i e thao d c r r i s v d d t th cla m i m d o he "sui " i b o g t bye i s a e r t t s r u h (3) Ad e t si g tra sm t e wi h a y o suchv r i n n i t d t n f a pe so o o g ni a i n h t cl i s to ha er n r r a z t o t a a m v pro ra m n . g m i g be n sla d re o li e e , o tha cla m toe n e d r b l d r t i s 6. "Co e a e t rri o y m a s:v r g e t r " e nha e ha it go ds, pro uct o se v cev d s o d s r r i s di pa a e ; s r g d a. The Uni e Sta e o Am ri a (i cl di g i st d t s f e c n u n t te r t r e a d po se si ns), Pue t Ri o a dr i o i s n s s o r o c n(2) Ora o writ e pub i i n incl di gl r t n l o , u n Ca a a n d ;pu l ca i n by e e i m a s, o m t r ab i t o l n c e n f a e i l i o r "a v rt se e t th t:n y u d e i m n " a b. In e na i na wa e s o a rspa e but o l if thet r t o l t r r i c , n y (a) Ap ro ri t s a pe so ' na e v i ep p a e r n s m , o c , i j ry o da a e o curs in th co rse o tra en u r m g c e u f v l ph t gr p r i e e s; oo o a h o l k n s r o tra spo t t o be w e a y pl ce in l d dr n r a i n t e n n a s c u e i Pa a r p n r g a ha. a o e r b v ; o(b) Unre so a l pl ce a pe so in aa n b y a s r n fa se l gh ; r l i t o c. Al o h r pa t o th wo l if th i j ry ol t e r s f e r d e n u r da a e a i e o t o :m g r s s u f(3) In r ng m nt o co y i ht "ti l " o "sl g n"f i e e f p r g , t e r o a i y u "a v rt se e t , pro i e tha thn o r d e i m n " v d d t e (1) Go ds o pro uct m d o so d by y u ino r d s a e r l o cl i i m d o th "sui " i bro gh by aa m s a e r e t s u t th te ri o y de cri e i Pa a r pe r t r s b d n r g a h a. pe so o o ga i a i n tha cla mr n r r n z t o t i s a o e b v ; o ne shi o such co y i ht "ti l " ow r p f p r g , t e r (2) The a ti i i s o a pe so who e ho e i ic v t e f r n s m s n"sl g n . o a " th te ri o y de cri e i Pa a r pe r t r s b d n r g a h a. b. In l d s "bo i y in ur " ca se by o e o m rc u e d l j y u d n r o e a o e but i a a fo a sho t ti e o y urb v , s w y r r m n oo the o f n e de crib d in Pa a ra hf f e s s s e r g p a. bu i e s; r s n s oa o e b v . (3) "Pe so a a d a v rt sin i j ry o fe ser n l n d e i g n u " f n s3. "Au o m a s: t " e n th t ta e pl ce th o g th In e ne oa k a r u h e t r t r a. A l nd m t r v h cl , tra l r o se i r i ea o o e i e i e r m t a l r si i a l ct o i m a s o o m n ca i nm l r e e r n c e n f c m u i t o ; de i n d fo tra e o pub i ro ds, i cl di gs g e r v l n l c a n u n pro i e the insure ' re po sib l ty to pav d d d s s n i i ya y a t che a hi e y o qu pm n ; rn t a d m c n r r e i e t o da a e is de e m n d in a "sui " o th m r t im g s t r i e t n e e i s n b. An o he la d v h cl th t is sub e t to ay t r n e i e a j c th te ri o y de cri e i Pa a r pe r t r s b d n r g a h a. a o e o i b v , r n a co p l o y o fi a ci l re po si i i y la , om u s r r n n a s n b l t w r se t e e t we a re ot l m n g e t . o h r m to v hi l i sura ce l w, whe e i it e o r e c e n n a r t s

7. "El ct o i da a m a s in o m t o , fa t oe r n c t " e n f r a i n c s rl ce se r ri ci a l a a e .i n d o p n p l y g r g d pro ra s sto e a o o , cre te o use o , og m r d s r n a d r d n rHo e e , "a t " do s no in l d "m bi ew v r u o e t c u e o l tr n m t e to o fro co pu e so tw r (i cl d nga s i t d r m m t r f a e n u ie ui m n ". q p e t sy te s a d a p i a i ns so tw r ) ha d o fl p ys m n p l c t o f a e , r r o p

4. "Bo i y i j r " m a s:d l n u y e n di ks, CD-ROM , ta e , dri e , cel s, da as s p s v s l t pro e sin de i e o a y o h r m di a ec s g v c s r n t e e a ra. Ph si a ha m i cl di g si kn ss o di e sey c l r , n u n c e r s a , use i h e e o i a l co t o l d e ui m n .d w t l n c l y n r l e q p e tsusta n d y a pe so ; oi e b r n r b. M nt l a g i h, i j ry o i l e s, o e o i n le a n u s n u r l n s r m t o a 8. "Em l y e i cl de a "l a e wo k r". "Em l y ep o e " n u s e s d r e p o e " di tre s, re ul i g a a y ti e fro suchs s s t n t n m m do s n t i cl d "te po a y wo k r .e o n u e a m r r r e " ph si a h rm i e s o di e sey c l a , s s r s a . 9. "Ex cut v o f ce " m a s a pe so ho di g a y oe i e f i r e n r n l n n f

5. "Bro dca ti g m a s tra sm tt n a y a d o oa s n " e n n i i g n u i r th o fi e po it o s cre te by y u cha t r,e f c r s i n a d o r r e v sua a e i l fo ny p r o ei l m t r a r a u p s : co sti u i n by a s o a y o h r sim l r go e n ngn t t o , l w r n t e i a v r i do um n . c e ta. By ra i o e e i io ; od o r t l v s n r CG 1 0 02 1 T 0 9 Pa e 17 o 21 g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. public
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Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCIAL E ERAL IAB LITYE G N L I

10. "Go d Sa a i a se v ce " m a s a y e e g n y tr ck , ro db do m r t n r i s e n n m r e c a s a e s, tu n l und r a sn e , e p s or m di a se v ce fo whi h no co p n a i n is cro sin ;e c l r i s r c m e s t o s g de a d d r e e v dm n e o r c i e . (2) Tha i d m i i s a a chi e g ne r ot n e n f e n r t n i e r

11. "Ho ti e fi e m a s a fi e whi h e surv y r o i j ry o a as l r " e n r c m s e o f r n u r d m g ri in ut o :e a s g o f tr l a l o bre k o t fro whe e i wan o l b e r a s u m r t s (a) Pre a i g a pr v ng o fa l n top r n , p o i , r i i gi t nd d o b .n e e t e pr pa e or ap r v , m p , shoe r p o e a s p

12. "Im a re pro e t " m a s ta g bl pro e t , o he dra i g , o ip i d p r y e n n i e p r y t r w n s p n o s, re o ts, survi n p r e s, y th n "y ur pro uct o "y ur wo k , tha ca n t be fi l o d rs, cha ga o d " r o r " t n o e d r e n e o d rs o ra i gsr e r d w n use r s l ss use u e a se a d pe i i a i ns; rd o i e f l b c u : n s c f c t o o a. It i co po a e "y ur pro uct o "y ur wo kn r r t s o d " r o r " (b) Gi i g di e t o s o i stru ti n , ov n r c i n r n c o s r th t is kn wn o th ug t to be de e v , fa l ng to gi e th m ifa o r o h f e i i v e , th t is the a de i n , n de u te o a g ro s; o pri a y ca se o the in u y of t i a q a r d n e u r m r u f j r r da a e m g ; orb. Y u ha e fa l d to ful i l the te m o a co tr cto v i e f l r s f n a (3) Und r whi h the i sure , if a a chi e t,e c n d n r t cor agreement; e gi e r o surv y r, a sum s l a i i y fon n e r e o s e i b l t ri such pro e t ca be re to e to use by t ef p r y n s r d h a in u y o da a e a i in o t o then j r r m g r s g u fre a r, re l ce e t, a j stm nt o re o a o "y urp i p a m n d u e r m v l f o i sure 's re de i g o fa l r to re den d n r n r i u e n rpro uct o "y ur wo k o y u fu fi l n t e te m od " r o r " r o r l l i g h r s f pro e si n l se v ce , in l d n ho e l stef s o a r i s c u i g t s i dth co t a t o gr e e t.e n r c r a e m n i Pa a r pn r g a h (2) a o e a d sup r i o yb v n e v s r ,

13. "In ure co t a t m a s:s d n r c " e n i spe t o , a chi e a o e g ne ri gn c i n r t r l r n i e n a t v ti s. c i i ea. A co t a t fo a l a e o pre i e . Ho e e ,n r c r e s f m s s w v r th t po t o o t e co t a t fo a l a e oa r i n f h n r c r e s f 14. "Le se wo k r" m a s a pe so l a e o y u ba d r e e n r n e s d t o y a pre i e tha in e n f e a y pe so om s s t d m i i s n r n r l bo l a in fi m unde a a r e e t be we n y ua r e s g r r n g e m n t e o o ga i a i n fo "pre i e da a e i no ar n z t o r m s s m g " s t n a d the la o le si g fi m to pe f rm dut e re a en b r a n r , r o i s l t d "i sure o tr ct ;n d c n a " to the co d ct o y ur bu i e s. "Le se wo k r"n u f o s n s a d r e do s n t i cl d "te p ra y wo k r .e o n u e a m o r r e "b. A i e ra k a re m n ;s d t c g e e t

15. "Lo di g o unl a i g" m a s th ha d i g oa n r o d n e n e n l n fc. An e se e t o li e se a re m nt e ce t iny a m n r c n g e e , x p pro e ty p r :co ne ti n wi h co stru ti n o de o i i nn c o t n c o r m l t o o e a Af e i is m v d fro th pl ce whe e i isp r t r t o e m e a r tti n o o i h n 5 e t o a ro do s n r w t i 0 f e f a r i a ; a.l t d fo m v m n i t o o t a a rcra tp e r o e e t n o r n o n i f ,d. An o l ga i n, a re u re by o d na ce tob i t o s q i d r i n , wa e cra t r "a t ";t r f o u oi d m i y a m n ci a i y e ce t i co ne ti nn e n f u i p l t , x p n n c o wi h o k f r a m ni a i yt w r o u l t ; b. Whi e i is i o o a a rcra t wa e cra t ol t n r n n i f , t r f r "a t "; r u o oe. An e e a o a nt na ce a re m ntl v t r m i e n g e e ; c. Whi e i is be n m v d fro a a rcra tl t i g o e m n i f ,f. Tha pa t o a y o he co t a t o a re m ntt r f n t r n r c r g e e wa e cra t o "a t " to th pl ce whe e i ist r f r u o e a r tp r a n n to y ur busi e s (i cl di g ae t i i g o n s n u n n fi a l e i e e ;n l y d l v r di de n fi a i n o a m ni i a i y i co nen m i c t o f u c p l t n n n wi h wo k pe f r e fo a m n ci a i y und rt r r o m d r u i p l t ) e bu "l a i g o unl a i g do s no i cl de thet o d n r o d n " e t n u whi h y u a sum th to t li b l t o a o h r m v m nt oc o s e e r a i i y f n t e o e e f pro e ty by m a s op r e n f a m ch n ca e a i l pa t to pa fo "bo i y in ur ", "pro e ty de i e o h r tha a har y y r d l j y p r v c , t e n n tr ck tha i no a ta hed u , t s t t c d da a e o "pe so a i j ry t a thi d pe som g " r r n l n u " o r r n to t e a rcra t w t rcra t o "a t ".h i f , a e f r u o o o ga i a i n To t l a i i y m a s a li b l tyr r n z t o . r i b l t e n a i i 16. "M bi e e u pm n " m a s a y o the fo l wi go l q i e t e n n f l o nth t wo l be i po e by l w i t e a se ce oa u d m s d a n h b n f ty e o la d v hi l s, i cl di g a y a ta hep s f n e c e n u n n t c da y co t r g e m ntn n r o a r e e . m chi e y o e ui m nta n r r q p e :

Pa a r p r g a hf. do s no i cl de th t pa t o a ye t n u a r f n a. Bu l o e s, fa m m chi e y fo k i ts a d o h rl d z r r a n r , r l f n t eco tr ct o a re m n :n a r g e e t v hi s de i n d fo use pri ci a l o f pub ie s g e r n p l y f l c (1) Tha i d m i i s a ra l o d fo "bo i y ro d ;t n e n f e i r a r d l a s i j ry o "pro e ty da a e a i i g o t on u " r p r m g " r s n u f b. Ve i l s m i t i e fo use so e y o o ne t toh c e a n a n d r l l n r xco stru n o de o i i n o e a i ns,n r m l t o p r t o pre i e y u wn r e tm s s o o o r n ;wi hi 50 fe t o a y ra l o d pro e t a dt n e f n i r a p r y n c. Ve i l s t a t a e n l r t e ds;h c e h t r v l o w e r aa fe t ng a y ra l o d bri g o tre tl ,f c i n i r a d e r s e Pa e 18 o 21 g f CG 1 0 02 1 T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

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Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LI YE A E L I T
d. Ve i s, whe he sel -pro e l d o no ,h t r f p l e r t b. An a t o o i si n co m t e in pro i i g oc r m s o m i t d v d n r m i ta n d pri a i y to pro i e m b l ty to fa l ng to pro i e fi st a n i e m r l v d o i i i i v d r a d o "Go d Sai r o m ri a a t n pe m ne t y m u t d:r a n l o n e se v ce " to a pe so , un e s y u a e i ther i s r n l s o r n bu i e s o occup ti n of pro i i gs n s r a o v d n(1) Po e cra e , sho e s, l a e s, di g rs ow r n s v l o d r g e r pro e sio a e l h ca e se v ce .f s n l h a t r r i sdri l ; o l s r

18. "Pe so a a d a v r i i g i j ry m a s "pe so ar n l n d e t s n n u " e n r n l(2) Road construction or resurfacing e ui m n such a gra e s, scra e s o i j ry o "a v rt sin nq p e t s d r p r r n u " r d e i g i j r ". u y ro l rs; l e 19. "Pe so a n ur ":r n l i j y
e. Ve i l s no de crib d i Pa a r ph c e t s e n r g a h a., b., c. a. M a s i j ry o he tha "a v rt sin in u y ,e n n u , t r n d e i g j r "or d. a o e th t a e no se f pro e l d a d a eb v a r t l - p l e n r ca se by o e o m r o th fo l w ngu d n r o e f e l o im i t i e pri a i y to pro i e m b l t toa n a n d m r l v d o i i y o fe se : f n spe m n n l a ta he e u p e t of ther a e t y t c d q i m n fo l wi g t p s:l o n y e (1) F l e a re t, de e t o r m ri o m n ;a s r s t n i n o i p s n e t (1) Ai co pr sso s, pum s a d ge e a o s,r m e r p n n r t r (2) M l ci us pr se o ;a i o o i ni cl d ng spra i g, we d ng bui d ngn u i y n l i , l i cl a i g ge ph si a e pl ra i n, l gh i ge n n , o y c l x o t o i t n (3) The wro gf l e i fro , wro gf l e trn u v n m n u n y a d e l se v ci g e ui m nt rn w l r i n q p e ; o i t , o in a i n o the ri h o pri a en o r v s o f g t f v t o cup ncy o a ro m dwe l n o pre i ec a f o , l i g r m s s(2) Che ry pi k rs a d si i a de i e use tor c e n m l r v c s d th t a pe so o cup e , pro i e tha thea r n c i s v d d tra se o o e o k rs;i r l w r w r e wro g u v ct o , wro g u nt y o n a i nn f l e i i n n f l e r r i v s of. Ve i l s no de crib d i Pa a r ph c e t s e n r g a h a., b., c. o the ri h o pri a e o cupa cy isf g t f v t c nor d. a o e m i ta n d pri a i y fo pu po eb v a n i e m r l r r s s co m t e by o o be a f o the o ne ,m i t d r n h l f w ro h r tha th tra spo t t o o pe so s ot e n e n r a i n f r n r l nd o d o le so o tha ro m dwe l ng oa l r r s r f t o , l i rca g . r o pre i e ; m s s Ho e e , se f pro e l d v h cl s wi h thw v r l - p l e e i e t e (4) Ora o writ e pub i a i n incl di gl r t n l c t o , u nfo l wi g ty e o pe m n nt y at a hel o n p s f r a e l t c d pu l ca i n by e e t o i m a s, o m t r ab i t o l c r n c e n f a e i le ui m nt a e no "m bi e e u pm n " bu wilq p e r t o l q i e t t l th t sl nd r o l b l a pe so oa a e s r i e s r n rbe co si e e "a t s":n d r d u o o di pa a e a pe so 's or s r g s r n r(1) Eq i m nt de ig e ri a i y f r:u p e s n d p m r l o (a) Sn w r m v l o e o a ; pro i e t a the cl i i m d r he "sui "v d d h t a m s a e o t t i bro g t by a pe so o o g n z ti n thas u h r n r r a i a o t(b) Ro d m i t na ce but noa a n e n , t co stru n o r surfa i g; o cl i s to ha e be n sl nd r d o i en r e c n r a m v e a e e r l b l d, o e r th t cl i s to ha e ha i s go ds, pro u tsa a m v d t o d c(c) St e t i g;r e n n o se v ce di pa a e ; or r i s s r g d r(2) Che ry pi ke s an sim l r de i er c r d i a v c s (5) Ora o wri te publ ca i n, in l d nl r t n i t o c u i gm un e o a t m bi e o truck cha siso t d n u o o l r s pu l ca i n by e e tr n c m a s, o m t ri lb i t o l c o i e n f a e aa d se t a se o o e o k rs; a dn u d o r i r l w r w r e n th t: a(3) Ai co pr sso s, pum s a d ge e a o s,r m e r p n n r t r i cl di g spra i g we di g bui di gn u n y n , l n , l n (a) Ap ro ri t s a pe so ' na e v i ep p a e r n s m , o c , cl a i g ge ph si a e pl ra i n, l gh i ge n n , o y c l x o t o i t n ph t gr p r i e e s; oo o a h o l k n s r a d e l se v ci g e ui m ntn w l r i n q p e .
(b) Unre so a l pl ce a pe so in aa n b y a s r nHo e e , "m bi e e u p e t do s no i cl de a yw v r o l q i m n " e t n u n fa se l gh . l i tl nd v h cl th t is sub e t to a co pu so y oa e i e a j c m l r r b. In l d s "bo i y in ur " ca se by o e o m rc u e d l j y u d n r o efinancial responsibility law, or other motor vehicle i sura ce l w, whe e i is l ce se o pri ci a l o the o f n en n a r t i n d r n p l y f f e s s de crib d in Pa a ra hs e r g p a. ga a e . Such la d v h cl s a e co sid rer g d n e i e r n e d a o e b v . "a t s". u o 20. "Po l t n s" m a a y so i , l qu d ga e u ol u a t e n n l d i i , s o s r

17. "Occurr n e m a s:e c " e n th rm l irr t n o co t m n nt i cl di g sm k ,e a i a t r n a i a , n u n o e v po , so t, fu e , s, a k l s, che i a s a da r o m s d l a i m c l na. A a ci e t, i cl di g co ti uo s o re e t dn c d n n u n n n u r p a e wa te Wa te in l d s m te i l to be re y l d,s . s c u e a r a s c c ee po ure to substa t a l th sa e ge e ax s n i l y e m n r l re o di i n d o r cl i e .c n t o e r e a m dha m ul co di i n ; rr f n t o s o CG 1 0 02 1 T 0 9 Pa e 19 o 21 g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. cle
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organization's goods, products or services,
Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCIAL E ERAL IAB LITYE G N L I

21. "Pre i e da a e m a s: co tr ct ca l fo wo k a m re th nm s s m g " e n n a l s r r t o a o e j b i e n o s t .a. Wit re to th fi st pa a ra h o theh s e r r g p f e ce ti n in Ex l siox p o s c u n j. of I – (c) Whe tha pa t o the wo k do e a an t r f r n t Co e a e v r gA – Bo i y In ur And Pro e td l j y p r y j b si e ha be n put to it i t nd do t s e s n e e Da a e Li b l ty "pro e ty da a e to a ym g a i i , p r m g " n use b ny p r o o rg n z t o th ry a e s n r o a i a i n o e pre i e whi e re t d to y u fo a pe i d om s s l n e o r r o f th n an th r co tr ct r ora o e n a o se e o fe e co se ut v da s, in l d ng thev n r w r n c i e y c u i subco t a t r wo k n o th sa en r c o r i g n e m co te ts o uch re i e ; rn n f s p m s s o pro e t j c . b. Wit re pe t to th e ce t o to Ex l si nsh s c e x p i n c u o c. Wo k tha m y ne d se v ce m i t na cer t a e r i , a n e n ,th o g r u hn. i he l st a a ra h o a a r pn t a p r g p f P r g a h 2. co r ct o , re a r o re l ce e t, bu w i hr e i n p i r p a m n t h co Se ti n f c oI – Co e a e v r gA – Bo i y Inj ry Andd l u i o h rwi e co pl t , wi l be tre t d as t e s m e e l a e sPro e ty Da a e L a i i y "pro e ty d m ge top r m g i b l t , p r a a " co p e e . m l t da y pre i e whi e re t d t y u fo a pe i d on m s s l n e o o r r o f b. Do s no in l d "bo i y in u y o "pro e tye t c u e d l j r " r p rm re th n se e co se ut v da s, o whi eo a v n n c i e y r l da a e a i i g o t o :m g " r s n u fte p ra i y o cup e by y u wi h pe m ssio om o r l c i d o t r i n f th o n r, ca se ye w e u d b : (1) The tr n po t ti n o pro e t , unl ss thea s r a o f p r y e i j ry o da a e a i e o t o co d t o nn u r m g r s s u f a n i i n i(1) F re i ; o on a v h cl no o n d o o e a e byr e i e t w e r p r t d(2) Ex l si n; p o o y u, a d tha co di i n wa cre t d by theo n t n t o s a e " o h t e i l b nyf t a v h c e y a(3) Lightning; l a i g o unl a i g"o d n r o d n i sure ; n d(4) Sm k re ul i g fro fi e e pl sio oo e s t n m r , x o n r l g t i g r i h n n ; o (2) The e i te ce o to l , uni sta l dx s n f o s n l e e ui m nt o ab nd n d o unuseq p e r a o e r d(5)
m te i l ; r a r a s oBu "pre i e da a e un e thi Pa a r pt m s s m g " d r s r g a h (3) Pro uct o o e a i n fo whi h thd s r p r t o s r c eb. do s no in l d "pro e ty da a e to a ye t c u e p r m g " n cl ssi i a i n, li te i th De ra i ns oa f c t o s d n e t o rpre i e ca se b :m s s u d y i a po i y Sche u e sta e th t pro uct -n l c d l , t s a d s(1) Rup u e bu sti g o o e a i n o pre suret r , r n , r p r t o f s co p e e o e a i n a e subj ct to them l t d p r t o s r ere i f e i e ;l e d v c s Ge e a g re a e Li i .n r l A g g t m t (2) Rup u e o bu sti g due to e p nsio ot r r r n x a n r 23. "Pro e ty d m ge m a s:p r a a " e nswe l n o th co t n s o a y bui d n ol i g f e n e t f n l i g r a. Ph si a in u y to ta gi l pro e t , in d ng a ly c l j r n b e p r y i lstru tu e ca se b r e ul i g r m w t r;c r u d y o r s t n f o a e re ul i g l ss o use o th t pro e t . Al suchs t n o f f a p r y lor l ss o use wi l be de m d to t t e t m fo f l e e a h i e o (3) Ex l si n o ste m bo l r , ste m pi e ,p o o f a i e s a p s th p y i a n u y t a ca se t re h s c l i j r h t u d i ; o ste m e gi e o te m t r i e .a n n s r s a u b n s b. Lo s o use o ta gi l pro e ty tha i nos f f n b e p r t s t ph si a l in ur d Al such l ss o use wi l bey c l y j e . l o f l22. "Products-completed operations hazard":
de m d to o cur a the ti e o th cee e c t m f e n "a. In l d s a l "bo i y in ur " a d "pro e tyc u e l d l j y n p r th t a se t a c u d i .da a e o cur i g a a fro pre i e y um g " c r n w y m m s s o F r the purp se o th s in ura ce "e e i da ao o s f i s n , l n c t "o n o re t a d a i in o t o "y ur pro uct ow r n n r s g u f o d " r i n t a g bl ro e t .s o t n i e p p r y"y ur o k e ce t:o w r " x p

24. "Sl g n : o a "(1) Pro uct th t a e sti l in y ur phy icad s a r l o s l a. M a s a phr se th t o h r u e fo he pu p see n a a t e s s r t r opossession; or o t ra ti g a t n i n n t e r d e t sin .f a t c n t e t o i h i a v r i g(2) Wo k tha ha no y t be n co p e e or t s t e e m l t d r b. Do s no in l d a phra e use a , o in thee t c u e s d s r ,a a d n d. Ho e e , "y ur wo k wi l beb n o e w v r o r " l na e o : m fde m d co pl t d a th e rl e t o thee e m e e t e a i s f fo l wi g i e :l o n t m s (1) An pe so o o g n z t o , o he th n y u;y r n r r a i a i n t r a o or(a) Whe a l o th wo k ca l d fo i y un l f e r l e r n o r co tr ct ha b e o p e e .n a s e n c m l t d (2) An busin ss, o a y o th pre i e ,y e r n f e m s s go ds, pro uct , se v ce o wo k o a yo d s r i s r r , f n(b) Whe a l o th wo k to be do e a then l f e r n t pe so r r a i a i n t e ha o .r n o o g n z t o , o h r t n y uj b sit ha be n co pl t d i y uo e s e m e e f o r Pa e 20 o 21 g f CG 1 0 02 1 T 0 9© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. pect
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Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LI YE A E L I T

25. "Su t m a s a civ l pro e d n i whi h da a ei " e n i c e i g n c m g s (a) Y u o ; be a se o "bo i y in u y , "pro e ty da a e oc u f d l j r " p r m g " r (b) Ot e s t a i g nd r y u a e rh r r d n u e o r n m ; o "pe so a a d a v rt si g i j ry to whi h thir n l n d e i n n u " c s (c) A pe so o or a i a i n who er n r g n z t o si sura ce a pl e a e a l ge . "Su t i cl de :n n p i s r l e d i " n u s bu i e s o a se s y u ha e a qu re ;s n s r s t o v c i d a. An a b t a i n pro e di g i whi h suchr i r t o c e n n c a d n da a e a e cla m d a d to whi h th in urem g s r i e n c e s d (2) Co t i e s (o he tha v hi l s), m t ri l ,n a n r t r n e c e a e a sm st subm t o do s sub i wi h o r co se tu i r e m t t u n n ; pa t o e u pm n furn she i co ne ti nr s r q i e t i d n n c oor wi h uch g o s o ro uct .t s o d r p d s b. An o he al e n ti e di put re o ut oy t r t r a v s e s l i n b. In l d s: c u e pr ce di g in whi h such d m ge a e cl i eo e n c a a s r a m d (1) Wa ra ti s o re re e ta i ns m de a a yr n e r p s n t o a t na d to whi h th in ure subm ts wit o rn c e s d i h u ti e wi h re pe t to the fi n ss, qua i ym t s c t e l t ,co se t. n n du a i i y pe fo m n e o use o "y urr b l t , r r a c r f o

26. "Te p ra y wo k r m a s a pe so who im o r r e " e n r n s pro uct ; nd d " a fu ni he to y u to substi ut fo a pe m ne tr s d o t e r r a n (2) The pro i i g o o fa l re to pro i ev d n f r i u v d"e pl y e o l a e o to m e se so a o sho tm o e " n e v r e t a n l r r - wa ni g o n tr ct o s.r n s r i s u i nte m w r l a o di i n .r o k o d c n t o s c. Do s no i cl de v nd ng m ch ne o o h re t n u e i a i s r t e27. "Ti l " m a s a na e o l t r r r a t sti o kt e e n m f a i e a y o r i c w r . pro e ty re t d to o l ca e fo the use op r n e r o t d r f

28. "Unso i co m n ca i n m a s a yl d m u i t o " e n n o h r b t no so dt e s u t l . co m n ca i n in a y fo m tha th re i nt om u i t o , n r , t e e f 31. "Y u o k : o r w r "such co m n ca i n di no spe i a l re ue t tom u i t o d t f c l y q s a. M a s: e nre e v . c i e
(1) Wo k o o e a i n pe f rm d by y u o or r p r t o s r o e o r n29. "Vo u t e wo k r m a s a pe so who i no y ul n e r r e " e n r n s t o r y ur e a f; a do b h l n"e pl y e , a d who do a e hi o he wo k a dm o e " n n t s s r r r n a t a th di e ti n o a d wi hi the sco e oc s t e r c o f n t n p f (2) M te i l , pa t o e u pm n furn she ina r a s r s r q i e t i d du i s de e m n d by y u a d is no pa d a fe ,t e t r i e o , n t i e co ne ti n wi h uch w r o pe a i n .n c o t s o k r o r t o s sa a y o o he co pe sa i n by y u o a y n e sel r r t r m n t o o r n o e l b. In l d s: c u efo he r o k p r o m d f r o .r t i w r e f r e o y u (1) Wa ra ti s o re re e ta i ns m de a a yr n e r p s n t o a t n30. "Y u ro uct :o r p d " ti e wi h re pe t to the fi n ss, qua i ym t s c t e l t , a. M a s: e n du a i i y pe fo m n e o use o "y urr b l t , r r a c r f o (1) An go d o pro uct , o h r th n re l wo k ; a dy o s r d s t e a a r " n pro e ty m n f ct r d so d ha d e ,p r , a u a u e , l , n l d (2) The pro i i g o o fa l re to pro i ev d n f r i u v d di tr bu e r d spo e f ys i t d o i s d o b : o n tr ct o s.r i s u i n CG 1 0 02 1 T 0 9 Pa e 21 o 21 g f© 2017 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. cite
cip
ci
warnings
Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LI YE A E L I T
T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E

XTEND ENDORSEMENT FOR CONTRACTORS
Thi e dorseme t m d fie i surance prov ded under he f l o ing:s n n o i s n i t o l w

COMM RCI L G NERAL IAB LI Y COVERAG PA TE A E L I T E R GE ERAL D SCRIP ION O CO ERAGE –N E T F V Thi endorsem nt broadens cov rage. Howev r cov rage fo anys e e e , e r i ju y, dama e o me i al ex ense descri ed in any o the provn r g r d c p s b f i ion o th s e dorseme t may bs s f i n n e ex luded or c l m ted by anothe endorsem n to this Cov rage Pa t, and the e ci i r e t e r s ov rage broadening prov sions do no ap ly toe i t p the ex en tha cov rage is ex l ded or lim ted by such an ent t t e c u i dorsem n . The fo lo ing li ti g i a ge t l w s n s eneral cov rage de cript on only Read al the prov sions o thi endorse s i . l i f s em nt and the re t o y ur pol cy ca e ull e s f o i r f y to de erm ne r gh s, dut es, and wha i and s not cov red.t i i t i t s i e A. Wh I An Insured – Unnam d Subsid arieo s e i s C. In i ental Med cal Mal racti ec d i p c B. Bla ket Addit onal Insured – Gov rnme taln i e n D. Bla ket Wa v r f Sub ogationn i e O r En it e – Pe m t Or Au ho iza ions Re ati g Tot i s r i s t r t l n E. Co tra tua Liab l ty – Rai roadn c l i i l sOpe atio s r n F. Da a e To Prem se Ren ed o Youm g i s t T P O ISION a.R V S An o ganizat on o he than a pa tnership, jo ntr i t r r i v nture or l m ted liab l ty company; ore i i i iA. WH IS AN INSU ED – UNNAMEDO R b. A rust; tSUBS DIARIES I
The fol owing is ad ed tol d SE TION II – WHO ISC a indi a ed in i s nam o the docum n s thas c t t e r e t t AN INSU ED R: gov rn it stru ture.e s c
Any o yo r sub idiar e , o her than a pa tnershi ,f u s i s t r p B B ANKET ADD TIONA INSURED –. L I L jo n v nture o lim ted liabil ty com any, that ii t e r i i p s GO E N ENT L EN IT ES – P RMIT OV R M A T I E S R no shown as a Nam d Insured in thet e AU H R ZA I N R L TI G T O E AT O ST O I T O S E A N O P R I N i a am d In ured f:s N e s i
The fol owing is ad ed tol d SE TION II – WHO ISCa. Yo are the so e owner o , o ma ntai anu l f r i n AN INSU ED R:ownership intere t o mo e than 50% in, suchs f r Any gov r men al enti y tha ha issued a perm te n t t t s isubsidia y on the fi st day o the pol cy perio ;r r f i d or authoriza ion wit re pe t to ope ationst h s c rand
pe fo med by yo or on your behal and that your r u fb. Su h subsidiary i not an in ured undec s s r are required by any o dinance, law, buil ing coder dsi ila o her n urance.m r t i s or written cont act or agreeme t to incl de a anr n u s No such subsidiary i a insured fo "bodily inju ys n r r " addi ional i sured on thi Cov rage Pa t is at n s e r n or "property dama e" tha o curred, o "perso al i sured, but only wi h re pg t c r n n t s e t to liabi i y fo "bodilyc l t r i ju y", "prope ty dam ge" or "perso al andn r r a nand a v rt sing i ju y" caused by an o fe sed e i n r f n adv rti ing inj ry" ari ing ou o uch operatio s.e s u s t f s ncom i ted: m t The in uran e prov ded to such gov r men als c i e n ta. Be o e you ma ntai ed an ownership intere tf r i n s en ity doe not apply o:t s to mo e than 50% i such ub idiary; orf r n s s a. Any "bodi y inju y , "property dama e ol r " g " rb. Af e the date, i any duri g the poli y periot r f , n c d "pe sonal and adv rti ing injury" a i ing o t or e s r s u fthat yo no longer ma ntain a ownershiu i n p operatio s perfo m d fo the gov r men aln r e r e n ti tere t o ore han 50% n such subsi ia y.n s f m t i d r en ity or t ;Fo purpose o Pa agraphr s f r 1. o Se tion f cII – Who b. Any "bodily inj ry or "property dam geu " a "Is An Insured, ea h such subsidiary wil bec l i clu ed in the "products-co ple edn d m tdeem d to e de ignated in the Declarat on a :e b s i s s operatio s hazard".n CG 3 16 02 9D 1 © 2017 The T avelers Indemnit Company. All rightsr y reserved. Pa e 1 o 3 g f Includes copyrighted material of Insurance Services Of ice, Inc., with its permission.f Declarations
Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LI YE A E L I T
C. IN IDEN AL ED CAL ALPRACTI EC T M I M C pharma eut cal co m t ed by o wi h thec i s m i t , r t k owledge o co sent o , the n uredn r n f i s .1. The fo lo i g repla e Pa agraphl w n c s r b. o the f de i i ion o "o cur en e in thef n t f c r c " 5. The fol owing i a ded to thel s d D FIN TION E I S D FIN TION E I SSe tion: c Se tio : c n
b. An a t o om ssio com i ted i prov dinc r i n m t n i g "In i ental m d cal se v ce " m a s:c d e i r i s e n or fa l ng to prov de "incidental me icai i i d l a. Med cal surgi al dental laborato y, x rayi , c , , r -se v ce ", fi st a d o "Good Sam r tanr i s r i r a i or nur ing se v ce or treatm n , adv ce os r i e t i rse v ce " to a person, unle s yo are ir i s s u n i struction o the related fur i hi g on , r n s n fthe busine s or o cupat on o prov dins c i f i g fo d or bev rages; oro epro e sional hea th a e se v ce .f s l c r r i s b. The furni hing o di pensing o dru s os r s f g r2. The fo lowi g rep a es the la t paragraph ol n l c s f m d cal dental o surgi al supplie oe i , , r c s rPa ag aph r r2. .(1) aof SECTI N II – WHO ISO appl a ce . i n sAN INSU ED R:

6. The fol o ing i added to Parag aphl w s r 4.b.,Unle s yo a e in the business or o cupatios u r c n Ex ess In urancec s , of SE TION IV –Co prov di g pro e sional healt ca e se v ce ,f i n f s h r r i s Pa ag aphs r r(1) a) (, (b), (c) and (d) abov do e CO MERCIAL GENE AL LIABI ITM R L Y COND T ON I I Snot apply to :"bodily injury" arising out of prov din o ai ing o rov de:i g r f l t p i Thi i surance i ex e s ov r any v li ans n s c s e a d d (a) "In i ental me ica se v ce " by any oc d d l r i s f col e ti le othe in urance whether prim ry,l c b r s , a y ur "em loyee " who is a nu se, nurseo p s r ex e s, conti gent o on any other ba is, thatc s n r s a sistant, em rgen y me i al techni ias e c d c c n i av ilab e to any o your "em loy es" fos a l f p e r or arame ic; orp d "bo ily injury that ari e ou o prov ding od " s s t f i r fa l n to prov de "i cidental medi al serv ce "i i g i n c i s(b) F rst ai or "Good Sama itan se v ce " byi d r r i s a y o y u "em loyee " o " to any perso to the ex ent notn f o r p s r n t subje t to cv lunteer o Pa ag aph r r2.a. 1) (o Se t on f c iII – Who Is Anworkers", other than an employed or v lunteer do tor. Any such "em loyee "o c p s In ured. s or "v lu teer wo kers" prov ding o fa l ngo n r i r i i D B ANKET WAIVER O SUB O ATION. L F R Gto prov de fi st aid or "Good Sama i ani r r t The fo lowing is a ded to Paragraphl d 8., Tra sfe n rse v ce " during thei work hou s fo your i s r r r O Righ s O Reco ery Agai st O hers To Usf t f v n t ,wil be deem d to be a t ng wi hin thel e c i t of SE TION IV – CO MERCIAL GENERALC Msco e o thei em loym nt by yo op f r p e u r pe fo m n dutie rela ed to the co du tr r i g s t n c L ABI I Y CO D T ONI L T N I I S :
o yo r busine s.f u s If the insured has a ree in a cont act og d r r

3. The fo lo i g repla e the la t se tence ol w n c s s n f ag ee ent to waiv that i sured' righ or m e n s t f Pa ag aph r r5. of SE TION III – LIMITS OC F re ov ry against any person o o gan zat on, wec e r r i i INSU AN E R C: waiv our right o e ov ry again t uch pe son oe f r c e s s r r organi ation, but only fo pay ents we ma ez r m kFo the purpo e o dete m nin ther s s f r i g be ause o : c fappl cable Ea h Occurrence Lim t, al relatedi c i l a t or om ssions com i ted i prov di g oc s i m t n i n r a. "Bo ily i ju y" o "property dam ge" thatd n r r a fa l n to prov de "inci ental me icai i g i d d l o curs; o c rse v ce ", fi st a d o "Good Sam r tanr i s r i r a i b. "Pe so al and adv rti ing inj ry" ca sed byr n e s u use v ce " to any one perso wil be deeme tor i s n l d an o fe se hat i com it edf n t s m t ;be one "o currence".c

4. The fo lowi g ex lu ion i added to subsequent to the ex cution o thel n c s s e f cont a t o r c r Pa ag aph r r2., Exclus on i s, of SE TION I – C ag ee ent. r m CO ERAGES – CO ERAGE A – BODI YV V L E. CON RACTUAL IABILIT – RAIL OADT L Y R SINJU Y AND P OP RT DAMAGER R E Y L ABI I Y I L T: 1. The fol o ing repla e Pa agraphl w c s r c. o the f de i i ion o "insured cont act" i thef n t f r nSa e O Ph rmaceu icalsl f a t D FIN TION E I SSe tion: c"Bo ily inju y or "property dama e" ari ingd r " g s ou o the v ola ion o a penal stat te ot f i t f u r c. Any ea em nt or l cense agreem nt;s e i e ordi ance rela i g to the sale on t n f
Pa e 2 o 3 g f © 2017 The T avelers Indemnit Company. All rightsr y reserved. CG 3 16 02 9D 1 Includes copyrighted material of nsurance Services Of iceI f , Inc., with its permission.

Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMM RCI L G NERAL IAB LITYE A E L I

2. Pa ag aph r rf. 1) (o the de init o o "i suredf f i n f n a. Any prem se whi e rented to yo oi s l u r cont a t i ther c " n D FIN TION E I SSe tion is tem ora i y o cupied by you wi h pe m ssionc p r l c t r i de eted. o he owne ; orl f t r
F DAMAGE TO P EMISE EN ED TO YOU b. R S R T . The co tent o any premi e whi e suchn s f s s l prem se i rented to yo , i y u rent suchi s s u f oThe fol owing repla e the de i ition o "prem sel c s f n f i s prem se fo a period o sev n or fewei s r f e rdama e in he g " tDEF NIT ONS I ISe tion c : conse utiv day .c e s"Pre i e dama e m a s "property dama e" to:m s s g " e n g CG 3 16 02 9D 1 © 2017 The T avelers Indemnit Company. All righ sr y t reserved. Pa e 3 o 3 g f Includes copyrighted material of nsurance Services Of iceI f , Inc., with its permission.

Policy Number: 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E COMMERCGENERAL LITYIAL IABILPOLICY: ISSUE D:NUMBER ATETHIS ENDORSEMENT CHAOLICY. PLEASE READ IEFULLYNGES THE PT CARDESIGNATED PROJECT(S)GENERAL AGGREGATE LIMITThis endorsement iies insurance proided under tfolmodf v he lowing:COMMERCGENERAL LITYVERAAIALIABILCOGE PRTSCHEDULEDesignatedjectProDesignatedPro General Aggregate(s):ject(s):

A. 3. COVERAGE A.For alsums which the insured becomes legalAny payments made underl lyobligated to pay as damages caused by"occur-for daor underformages COVERAGE C.rences"under , andmede shall reduce the DesiCOVERAGE A. (SECTIION ) ical xpenses g-foralmede s caused by accidents un-nated ProjecGeneral Aggregate Lmforl icalxpense t iitder , which can be that designated"project". Such paymentsCOVERAGEC (SECI I)TONattronly to operations at a single desig-shall not reduce theGeneral Aggregate Limibuted itnated"projectshown in the Schedule aboe:" v shown in the Declaratnor shall they re-ions duce any other Designated ProGeneralject 1.A separate Designated Project General Ag-Aggregate Liit foany other designatedmr gregate Liit appdesignated"pro-mlies to each"project"n in the dule aboe.showSchevject"and that lmis equal to the amount of, iit the GeneralAggregate Lit shown in the The lmshown in theDeclarations formi iits 4. EachDeclaratunless separateions, DesignatedOccurrence, DamageTPremises Reo ntedProject General Ag TYoand MeExpegregate(s)o u dical nseare sche continue tod-uled abo.ve apply.Howeinstead obesubject tover,f ing the General Aggregate Lit shown in themi2.The Designated Project General AggregateDeclaratsuch liits will be subject to theions, mLiit is the most we will pay for the sum oalm f l applicabDesignated Project General Ag-le damages under, exceptCOVERAGE A. gregate Liitm.damagesbecauseof"bodilin"or"prop-y juryerty damageincin the"products-For alsums which the insured becomes legal" luded l lyB.compoperations hazard, and for medobligated to pay as damages caused by"occur-leted " i-cal expenses under , regarrences"under , andCOVERAGE C COVERAGE A. (SECTId- ION )less of theonumberf: foralmede s caused by accidents un-l icalxpenseder , which cannotCOVERAGEC. (SECON I)TIa.Insureds; be attribuonly to operations at a singdesited le g-b.Claimade or"suits" brought; orms nated"projectshown in the Schedule aboe:" vc.Persons or organizations ming clamsakior bringing"suits".

CG D2 11 01 04Copyright,Traelers Indeitympany, 2004Page1 oThe v mnCo f 2 /FXCOB052/FXCOB084/FXCOB050/FXCOB050/FXCOB045/FXCOB067/FXCOB079/FXCOB045/FXCOB050/FXCOB089/FXCOB052/FXCOB050/FXCOB055/FXCOB053/FXCOB050/FXCOB048/FXCOB045/FXCOB084/FXCOB067/FXCOB084/FXCOB045/FXCOB050/FXCOB052 /FXCOB048/FXCOB053/FXCOB045/FXCOB050/FXCOB052/FXCOB045/FXCOB050/FXCOB052 /FXCOB069/FXCOB065/FXCOB067/FXCOB072/FXCOB032/FXCOB034/FXCOB080/FXCOB082/FXCOB079/FXCOB074/FXCOB069/FXCOB067/FXCOB084/FXCOB034/FXCOB032/FXCOB070/FXCOB079/FXCOB082/FXCOB032/FXCOB087/FXCOB072/FXCOB073/FXCOB067/FXCOB072/FXCOB032/FXCOB089/FXCOB079/FXCOB085/FXCOB032/FXCOB072/FXCOB065/FXCOB086/FXCOB069/FXCOB032/FXCOB065/FXCOB071/FXCOB082/FXCOB069/FXCOB069/FXCOB068/FXCOB044 /FXCOB071/FXCOB069/FXCOB078/FXCOB069/FXCOB082/FXCOB065/FXCOB076/FXCOB032/FXCOB065/FXCOB071/FXCOB071/FXCOB082/FXCOB069/FXCOB071/FXCOB065/FXCOB084/FXCOB069 /FXCOB073/FXCOB078/FXCOB032/FXCOB065/FXCOB032/FXCOB087/FXCOB082/FXCOB073/FXCOB084/FXCOB084/FXCOB069/FXCOB078/FXCOB032/FXCOB067/FXCOB079/FXCOB078/FXCOB084/FXCOB082/FXCOB065/FXCOB067/FXCOB084/FXCOB032/FXCOB084/FXCOB072/FXCOB065/FXCOB084/FXCOB032/FXCOB073/FXCOB083/FXCOB032/FXCOB073/FXCOB078/FXCOB032/FXCOB069/FXCOB070/FXCOB070/FXCOB069/FXCOB067/FXCOB084 /FXCOB076/FXCOB073/FXCOB077/FXCOB073/FXCOB084/FXCOB032/FXCOB083/FXCOB072/FXCOB079/FXCOB087/FXCOB078/FXCOB032/FXCOB079/FXCOB078/FXCOB032/FXCOB084/FXCOB072/FXCOB069 /FXCOB068/FXCOB085/FXCOB082/FXCOB073/FXCOB078/FXCOB071/FXCOB032/FXCOB084/FXCOB072/FXCOB073/FXCOB083/FXCOB032/FXCOB080/FXCOB079/FXCOB076/FXCOB073/FXCOB067/FXCOB089/FXCOB032/FXCOB080/FXCOB069/FXCOB082/FXCOB073/FXCOB079/FXCOB068/FXCOB044/FXCOB032/FXCOB084/FXCOB079/FXCOB032/FXCOB080/FXCOB082/FXCOB079/FXCOB086/FXCOB073/FXCOB068/FXCOB069/FXCOB032/FXCOB065 /FXCOB068/FXCOB069/FXCOB067/FXCOB076/FXCOB065/FXCOB082/FXCOB065/FXCOB084/FXCOB073/FXCOB079/FXCOB078/FXCOB083 /FXCOB083/FXCOB069/FXCOB080/FXCOB065/FXCOB082/FXCOB065/FXCOB084/FXCOB069/FXCOB032/FXCOB071/FXCOB069/FXCOB078/FXCOB069/FXCOB082/FXCOB065/FXCOB076/FXCOB032/FXCOB065/FXCOB071/FXCOB071/FXCOB082/FXCOB069/FXCOB071/FXCOB065/FXCOB084/FXCOB069/FXCOB032/FXCOB076/FXCOB073/FXCOB077/FXCOB073/FXCOB084/FXCOB059/FXCOB032/FXCOB080/FXCOB082/FXCOB079/FXCOB086/FXCOB073/FXCOB068/FXCOB069/FXCOB068 /FXCOB084/FXCOB072/FXCOB065/FXCOB084/FXCOB044/FXCOB032/FXCOB084/FXCOB072/FXCOB069/FXCOB032/FXCOB067/FXCOB079/FXCOB078/FXCOB084/FXCOB082/FXCOB065/FXCOB067/FXCOB084/FXCOB032/FXCOB073/FXCOB083/FXCOB032/FXCOB083/FXCOB073/FXCOB071/FXCOB078/FXCOB069/FXCOB068/FXCOB032/FXCOB066/FXCOB089/FXCOB032/FXCOB089/FXCOB079/FXCOB085/FXCOB032/FXCOB066/FXCOB069/FXCOB070/FXCOB079/FXCOB082/FXCOB069 /FXCOB084/FXCOB072/FXCOB069/FXCOB032/FXCOB034/FXCOB066/FXCOB079/FXCOB068/FXCOB073/FXCOB076/FXCOB089/FXCOB032/FXCOB073/FXCOB078/FXCOB074/FXCOB085/FXCOB082/FXCOB089/FXCOB034/FXCOB032/FXCOB079/FXCOB082/FXCOB032/FXCOB034/FXCOB080/FXCOB082/FXCOB079/FXCOB080/FXCOB069/FXCOB082/FXCOB084/FXCOB089/FXCOB032/FXCOB068/FXCOB065/FXCOB077/FXCOB065/FXCOB071/FXCOB069/FXCOB034 /FXCOB079/FXCOB067/FXCOB067/FXCOB085/FXCOB082/FXCOB083/FXCOB046 Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMMERC GENERAL L ITYIAL IABIL

1. COVERAGE A.Any payments made under v ded, any pa ments for da because ofi y mages for da or under for "bodily injury or "property damage" inmages "COVERAGE C. med e shall reduce the amount the "products-comp o erat hazard" willical xpenses leted p ions a ilab under the General Aggregate Lim reduce the Products Comp Operat Ag-va le it - leted ions or the Products Completed Operat Ag- gregate Li t, and not reduce the General Aggre-- ions mi gregate Li it ver is applic bm , whiche a le; and gate Li it nor the Designated Pro Generalm ject Aggregate Li it m .2. Such payments shall not reduce any Desig- nated Projec General Aggregate L m .t i it E. Defi i-For the purposes of this endorsement the n tio Sectio ns nis amended by the addit of the ion C. 2. SEC ION I – LI T OFPart of T II MI S INSURANCE fo lowing def itl in ion:is deleted and rep folaced by the llowing:
"Projec " means an area away fro pre isest m m2. The General Aggregate Li i is the most wem t owned by or rented to you at which you are per-will for o :pay the sum f for ing oper t pursuant to a contract orm a ions a. Coverage BDamages under ; and agreement. For the purposes of deter ing the min b. Damages f m "occurrences" under applicab aggregate li t o insurance, eachro le mi f COVERAGE A (SECT I) ION and for al "project" that includes prem in l i thel ises vo v ng med e caused by accidents same or connecting lots, or prem whose con-ical xpenses ises under which nection is interrupted only by a street, roadway,COVERAGE C ( T I)SEC ION cannot be attr buted only to operat at waterway or right of way of a railroad shall bei ions - - considered a single "projec ". ta single designated "project" shown in the SCHEDULE abo e. v F. SEC ION I – LIM T OFThe pro ons of visi T II I S D. INSURANCEW co erage for liab li arising out o the not otherwise modi ied by this en-hen v i ty f f dorsement shall to applycontinue as stipulated."products-comple operations hazard is pro-ted "

included
Policy # 4T22-CO-2Y427520-TCT-24
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMMERCIAL AUTO
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BLANKET ADDITIONAL INSURED – PRIMARY AND
NON-CONTRIBUTORY WITH OTHER INSURANCE –

CONTRACTORS
This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM
CA T4 99 02 16 © 2016 The Travelers Indemnity Company. All rights reserved.

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

PROVISIONS

1. The following is added to Paragraph c. in A.1.,
Who Is An Insured , of SECTION Il – COVERED
AUTOS LIABILITY COVERAGE:

This includes any person or organization who you
are required under a written contract or
agreement, that is signed by you before the
"bodily injury" or "property damage" occurs and
that is in effect during the policy period, to name
as an additional insured for Covered Autos
Liability Coverage, but only for damages to which
this insurance applies and only to the extent of
that person's or organization's liability for the
conduct of another "insured".

2. The following is added to Paragraph B.5., Other
Insurance of SECTION IV – BUSINESS AUTO
CONDITIONS:

Regardless of the provisions of paragraph a. and
paragraph d. of this part 5. Other Insurance, this
insurance is primary to and non-contributory with
applicable other insurance under which an
additional insured person or organization is a
named insured when a written contract or
agreement with you, that is signed by you before
the "bodily injury" or "property damage" occurs
and that is in effect during the policy period,
requires this insurance to be primary and non-
contributory.

Policy Number : BA-2Y427648-24-2S-G
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMMERCIAL AUTO
This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM
CA T3 53 02 15
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BUSINESS AUTO EXTENSION ENDORSEMENT

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

GENERAL DESCRIPTION OF COVERAGE – This endorsement broadens coverage. However, coverage for any injury, damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement to the Coverage Part, and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general cover- age description only. Limitations and exclusions may apply to these coverages. Read all the provisions of this en- dorsement and the rest of your policy carefully to determine rights, duties, and what is and is not covered.

A.

BROAD FORM NAMED INSURED
B. BLANKET ADDITIONAL INSURED
C. EMPLOYEE HIRED AUTO
D. EMPLOYEES AS INSURED
E. SUPPLEMENTARY PAYMENTS – INCREASED
LIMITS
F. HIRED AUTO – LIMITED WORLDWIDE COV-
ERAGE – INDEMNITY BASIS
G. WAIVER OF DEDUCTIBLE – GLASS

PROVISIONS
A. BROAD FORM NAMED INSURED
The following is added to Paragraph A.1., Who Is
An Insured, of SECTION II – COVERED AUTOS
LIABILITY COVERAGE:

Any organization you newly acquire or form dur-
ing the policy period over which you maintain
50% or more ownership interest and that is not
separately insured for Business Auto Coverage.

Coverage under this provision is afforded only un-
til the 180th day after you acquire or form the or-
ganization or the end of the policy period, which-
ever is earlier.

B. BLANKET ADDITIONAL INSURED
The following is added to Paragraph c. in A.1.,
Who Is An Insured , of SECTION II – COVERED
AUTOS LIABILITY COVERAGE:

Any person or organization who is required under
a written contract or agreement between you and
that person or organization, that is signed and
executed by you before the "bodily injury" or
"property damage" occurs and that is in effect
during the policy period, to be named as an addi-
tional insured is an "insured" for Covered
Autos
Liability Coverage, but only for damages to which
H. HIRED AUTO PHYSICAL DAMAGE – LOSS OF
USE – INCREASED LIMIT
I. PHYSICAL DAMAGE – TRANSPORTATION
EXPENSES – INCREASED LIMIT
J. PERSONAL PROPERTY
K. AIRBAGS
L. NOTICE AND KNOWLEDGE OF ACCIDENT OR
LOSS
M. BLANKET WAIVER OF SUBROGATION
N. UNINTENTIONAL ERRORS OR OMISSIONS
this insurance applies and only to the extent that
person or organization qualifies as an "insured"
under the Who Is An Insured provision contained
in Section II.

C. EMPLOYEE HIRED AUTO

1. The following is added to Paragraph A.1.,
Who Is An Insured , of SECTION II – COV-
ERED AUTOS LIABILITY COVERAGE:

An "employee" of yours is an "insured" while
operating an "auto" hired or rented under a
contract or agreement in an "employee's"
name, with your permission, while performing
duties related to the conduct of your busi-
ness.

2. The following replaces Paragraph b. in B.5.,
Other Insurance, of SECTION IV – BUSI-
NESS AUTO CONDITIONS:
b. For Hired Auto Physical Damage Cover-
age, the following are deemed to be cov-
ered "autos" you own:
(1) Any covered "auto" you lease, hire,
rent or borrow; and
(2) Any covered "auto" hired or rented by
your "employee" under a contract in
an "employee's" name, with your
Policy Number: BA-2Y427648-24-2S-G
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMMERCIAL AUTO
CA T3 53 02 15Page 2 of 4 © 2015 The Travelers Indemnity Company. All rights reserved.

Includes copyrighted material of Insurance Services Office, Inc. with its permission. permission, while performing duties
related to the conduct of your busi-
ness.

However, any "auto" that is leased, hired,
rented or borrowed with a driver is not a
covered "auto".

D. EMPLOYEES AS INSURED
The following is added to Paragraph A.1., Who Is
An Insured, of SECTION II – COVERED AUTOS
LIABILITY COVERAGE:

Any "employee" of yours is an "insured" while us-
ing a covered "auto" you don't own, hire or
borrow
in your business or your personal affairs.

E. SUPPLEMENTARY PAYMENTS – INCREASED
LIMITS

1. The following replaces Paragraph A.2.a.(2),
of SECTION II – COVERED AUTOS LIABIL-
ITY COVERAGE:
(2) Up to $3,000 for cost of bail bonds (in-
cluding bonds for related traffic law viola-
tions) required because of an
"accident"
we cover. We do not have to furnish
these bonds.

2. The following replaces Paragraph A.2.a.(4),
of SECTION II – COVERED AUTOS LIABIL-
ITY COVERAGE:
(4) All reasonable expenses incurred by the
"insured" at our request, including actual
loss of earnings up to $500 a day be-
cause of time off from work.

F. HIRED AUTO – LIMITED WORLDWIDE COV-
ERAGE – INDEMNITY BASIS
The following replaces Subparagraph (5) in Para-
graph B.7., Policy Period, Coverage Territory ,
of SECTION IV – BUSINESS AUTO CONDI-
TIONS:
(5) Anywhere in the world, except any country or
jurisdiction while any trade sanction, em-
bargo, or similar regulation imposed by the
United States of America applies to and pro-
hibits the transaction of business with
or
within such country or jurisdiction, for Cov-
ered Autos Liability Coverage for any covered
"auto" that you lease, hire, rent or borrow
without a driver for a period of 30 days or les s
and that is not an "auto" you lease, hire, rent
or borrow from any of your "employees",
partners (if you are a partnership), members
(if you are a limited liability company) or
members of their households.
(a) With respect to any claim made or "suit"
brought outside the United States of
America, the territories and possessions
of the United States of America, Puerto
Rico and Canada:
(i) You must arrange to defend the "in-
sured" against, and investigate or set-
tle any such claim or "suit" and
keep
us advised of all proceedings and ac-
tions.
(ii) Neither you nor any other involved
"insured" will make any settlement
without our consent.
(iii) We may, at our discretion, participate
in defending the "insured" against, or
in the settlement of, any claim or
"suit".
(iv) We will reimburse the "insured" for
sums that the "insured" legally must
pay as damages because of "bodily
injury" or "property damage" to which
this insurance applies, that the "in-
sured" pays with our consent, but
only up to the limit described in Para-
graph C., Limits Of Insurance,
of
SECTION II – COVERED AUTOS
LIABILITY COVERAGE.
(v) We will reimburse the "insured" for
the reasonable expenses incurred
with our consent for your investiga-
tion of such claims and your
defense
of the "insured" against any such
"suit", but only up to and included
within the limit described in Para-
graph C., Limits Of Insurance, of
SECTION II – COVERED AUTOS
LIABILITY COVERAGE, and not in
addition to such limit. Our duty to
make such payments ends when we
have used up the applicable limit of
insurance in payments for damages,
settlements or defense expenses.
(b) This insurance is excess over any valid
and collectible other insurance available
to the "insured" whether primary, excess,
contingent or on any other basis.
(c) This insurance is not a substitute for re-
quired or compulsory insurance in any
country outside the United States, its ter-
ritories and possessions, Puerto Rico
and
Canada.

Policy Number: BA-2Y427648-24-2S-G
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMMERCIAL AUTO
CA T3 53 02 15 Page 3 of 4
Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2015 The Travelers Indemnity Company. All rights reserved.

You agree to maintain all required or
compulsory insurance in any such coun-
try up to the minimum limits required by
local law. Your failure to comply with
compulsory insurance requirements will
not invalidate the coverage afforded by
this policy, but we will only be liable to the
same extent we would have been liable
had you complied with the compulsory in-
surance requirements.
(d) It is understood that we are not an admit-
ted or authorized insurer outside the
United States of America, its territories
and possessions, Puerto Rico and Can-
ada.

We assume no responsibility for the
furnishing of certificates of insurance, or
for compliance in any way with the laws
of other countries relating to insurance.

G. WAIVER OF DEDUCTIBLE – GLASS
The following is added to Paragraph D., Deducti-
ble
, of SECTION III – PHYSICAL DAMAGE
COVERAGE:

No deductible for a covered "auto" will apply to
glass damage if the glass is repaired rather than
replaced.

H. HIRED AUTO PHYSICAL DAMAGE – LOSS OF
USE – INCREASED LIMIT
The following replaces the last sentence of Para-
graph A.4.b., Loss
Of Use Expenses , of SEC-
TION III – PHYSICAL DAMAGE COVERAGE:

However, the most we will pay for any expenses
for loss of use is $65 per day, to a maximum of
$750 for any one "accident".

I. PHYSICAL DAMAGE – TRANSPORTATION
EXPENSES – INCREASED LIMIT
The following replaces the first sentence in Para-
graph A.4.a., Transportation
Expenses, of
SECTION III – PHYSICAL DAMAGE COVER-
AGE:

We will pay up to $50 per day to a maximum of
$1,500 for temporary transportation expense in-
curred
by you because of the total theft of a cov-
ered "auto" of the private passenger type.

J. PERSONAL PROPERTY
The following is added to Paragraph A.4., Cover-
age
Extensions, of SECTION III – PHYSICAL
DAMAGE COVERAGE:

Personal Property
We will pay up to $400 for "loss" to wearing ap-
parel and other personal property which is:
(1) Owned by an "insured"; and
(2) In or on your covered "auto".

This coverage applies only in the event of a total
theft of your covered "auto".

No
deductibles apply to this Personal Property
coverage.

K. AIRBAGS
The following is added to Paragraph B.3., Exclu-
sions,
of SECTION III – PHYSICAL DAMAGE
COVERAGE:

Exclusion 3.a. does not apply to "loss" to one or
more airbags in a covered "auto" you own that in-
flate
due to a cause other than a cause of "loss"
set forth in Paragraphs A.1.b. and A.1.c., but
only:
a. If that "auto" is a covered "auto" for Compre-
hensive Coverage under this policy;
b. The airbags are not covered under any war-
ranty; and
c. The airbags were not intentionally inflated.

We will pay up to a maximum of $1,000 for any
one "loss".

L. NOTICE AND KNOWLEDGE OF ACCIDENT OR
LOSS
The following is added to Paragraph A.2.a., of
SECTION IV – BUSINESS AUTO CONDITIONS:

Your duty to give us or our authorized representa-
tive
prompt notice of the "accident" or "loss" ap-
plies only when the "accident" or "loss" is known
to:
(a) You (if you are an individual);
(b) A partner (if you are a partnership);
(c) A member (if you are a limited liability com-
pany);
(d) An executive officer, director or insurance
manager (if you are a corporation or other or-
ganization); or
(e) Any
"employee" authorized by you to give no-
tice of the "accident" or "loss".

M. BLANKET WAIVER OF SUBROGATION
The following replaces Paragraph A.5., Transfer
Of Rights Of Recovery Against Others To Us ,
of SECTION IV – BUSINESS AUTO CONDI-
TIONS :

5. Transfer Of Rights Of Recovery Against
Others To Us
We waive any right of recovery we may have
against any person or organization to the ex-
tent
required of you by a written contract
signed and executed prior to any "accident"
or "loss", provided that the "accident" or "loss"
arises out of operations contemplated by
Policy Number: BA-2Y427648-24-2S-G
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

COMMERCIAL AUTO
CA T3 53 02 15Page 4 of 4 © 2015 The Travelers Indemnity Compa ny. All rights reserved .

Includes copyrighted material of Insurance Services Office, Inc. with its permission. such contract. The waiver applies only to the
person or organization designated in such
contract.

N. UNINTENTIONAL ERRORS OR OMISSIONS
The following is added to Paragraph B.2., Con-
cealment, Misrepresentation, Or Fraud , of
SECTION IV – BUSINESS AUTO CONDITIONS:

The unintentional omission of, or unintentional
error in, any information given by you shall not
prejudice your rights under this insurance. How-
ever this provision does not affect our right to col-
lect additional premium or exercise our right of
cancellation or non-renewal.

Policy Number: BA-2Y427648-24-2S-G
Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E 0 Berkshire Hathaway Direct Insurance Company 10391
02/04/2025
A N9WC521195 04/19/2024 04/19/2025
City of Lake Elsinore
130 South Main Street
Lake Elsinore, CA 92530
X
1,000,000
1,000,000
1,000,000
Y
0 0
0 0
0 Aneen Construction, Inc
9860 Indiana Ave 18
Riverside, CA 92503
BIBERK
P.O. Box 113247
Stamford, CT 06911
Professional Liability (Errors &
Omissions): Claims-Made
Per Occurrence/
Aggregate
203-654-3613844-472-0967
[email protected]
Policy #N9WC521195 contains a blanket Waiver of Subrogation therefore the insurer agrees to waive its right to recover from the certificate holder to the extent required by written contract. Exclusions: Tamer Khalil; Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E

CITY OF LAKE ELSINORE

TO BE POSTED IN A CONSPICUOUS PLACE
Business Name:

Business Location:

Owner Name(s):

BUSINESS LICENSE NO.

Issue Date: Expiration Date:

BUSINESS LICENSE
THIS IS YOUR LICENSE • NOT TRANSFERABLE
9860 INDIANA AVE UNIT 18 Business Type:

RIVERSIDE, CA 92503-5515
ANEEN CONSTRUCTION, INC.
9938 MAGNOLIA AVE
RIVERSIDE, CA 92503-3525
This business license is issued for revenue purposes only and does not grant authorization to operate a business. This business license is issued without verification that the holder is subject to or exempted from licensing by the state, county, federal government, or any other governmental agency.

Administrative Services - Licensing
130 South Main Street, Lake Elsinore, CA 92530
PH (951) 674-3124
ANEEN CONSTRUCTION, INC.

ANEEN CONSTRUCTION, INC.

GENERAL ENGINEERING CONTRACTOR
026788
3/1/2025 2/28/2026
Starting January 1, 2021, Assembly Bill 1607 requires the prevention of gender -based discrimination of business establishments. A full notice is available in English or other languages by going to: https://www.dca.ca.gov/publications/ Docusign Envelope ID: 05C20542-43C0-4826-BB9D-4F5B94B5C65E