CONTINENTAL CASUALTY COMPANY
Policy No: 6075640222
Endorsement No:
Effective Date: 01/01/2023
Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
CNA
CNA PARAMOUNT
Architects, Engineers and Surveyors General Liability
Extension Endorsement
15. LEGAL LIABILITY — DAMAGE TO PREMISES / ALIENATED PREMISES / PROPERTY IN THE NAMED
INSURED'S CARE, CUSTODY OR CONTROL
A. Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete exclusion j. Damage to Property in its entirety and replace it with the following:
This insurance does not apply to:
j•
Damage to Property
Property damage to:
(1) Property the Named Insured owns, rents, or occupies, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property;
(2) Premises the Named Insured sells, gives away or abandons, if the property damage arises out of any part of those premises;
(3) Property loaned to the Named Insured;
(4) Personal property in the care, custody or control of the Insured; (5) That particular part of real property on which the Named Insured or any contractors or subcontractors working directly or indirectly on the Named Insured's behalf are performing operations, if the property damage arises out of those operations; or
(6) That particular part of any property that must be restored, repaired or replaced because your work was incorrectly performed on it.
Paragraphs (1), (3) and (4) of this exclusion do not apply to property damage (other than damage by fire) to premises rented to the Named Insured or temporarily occupied by the Named Insured with the permission of the owner, nor to the contents of premises rented to the Named Insured for a period of 7 or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in LIMITS OF INSURANCE.
Paragraph (2) of this exclusion does not apply if the premises are your work.
Paragraphs (3), (4), (5) and (6) of this exclusion do not apply to liability assumed under a sidetrack agreement.
Paragraph (6) of this exclusion does not apply to property damage included in the products -completed operations hazard.
Paragraphs (3) and (4) of this exclusion do not apply to property damage to:
i. tools, or equipment the Named Insured borrows from others, nor ii. other personal property of others in the Named Insured's care, custody or control while being used in the Named Insured's operations away from any Named Insured's premises.
However, the coverage granted by this exception to Paragraphs (3) and (4) does not apply to:
a. property at a job site awaiting or during such property's installation, fabrication, or erection; b. property that is mobile equipment leased by an Insured; CNA74858XX (1-15)
CONTINENTAL CASUALTY COMPANY
Policy No: 6075640222
Endorsement No:
Effective Date: 01/01/2023
Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
40020000560569030054039
CNA
CNA PARAMOUNT
Architects, Engineers and Surveyors General Liability
Extension Endorsement
c. property that is an auto, aircraft or watercraft;
d. property in transit; or
e. any portion of property damage for which the Insured has available other valid and collectible insurance, or would have such insurance but for exhaustion of its limits, or but for application of one of its exclusions.
A separate limit of insurance and deductible apply to such property of others. See LIMITS OF INSURANCE as amended below.
B. Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete its last paragraph and replace it with the following:
Exclusions c. through n. do not apply to damage by fire to premises while rented to a Named Insured or temporarily occupied by a Named Insured with permission of the owner, nor to damage to the contents of premises rented to a Named Insured for a period of 7 or fewer consecutive days.
A separate limit of insurance applies to this coverage as described in LIMITS OF INSURANCE.
C. The following paragraph is added to LIMITS OF INSURANCE:
Subject to 5. above, $25,000 is the most the Insurer will pay under Coverage A for damages arising out of any one occurrence because of the sum of all property damage to borrowed tools or equipment, and to other personal property of others in the Named Insured's care, custody or control, while being used in the Named Insured's operations away from any Named Insured's premises. The Insurer's obligation to pay such property damage does not apply until the amount of such property damage exceeds $1,000. The Insurer has the right but not the duty to pay any portion of this $1,000 in order to effect settlement. If the Insurer exercises that right, the Named Insured will promptly reimburse the Insurer for any such amount.
D. Paragraph 6., Damage To Premises Rented To You Limit, of LIMITS OF INSURANCE is deleted and replaced by the following:
6. Subject to Paragraph 5. above, (the Each Occurrence Limit), the Damage To Premises Rented To You Limit is the most the Insurer will pay under Coverage A for damages because of property damage to any one premises while rented to the Named Insured or temporarily occupied by the Named Insured with the permission of the owner, including contents of such premises rented to the Named Insured for a period of 7 or fewer consecutive days. The Damage To Premises Rented To You Limit is the greater of:
a. $500,000; or
b. The Damage To Premises Rented To You Limit shown in the Declarations.
E. Paragraph 4.b.(1)(a)(ii) of the Other Insurance Condition is deleted and replaced by the following:
(ii) That is property insurance for premises rented to the Named Insured, for premises temporarily occupied by the Named Insured with the permission of the owner; or for personal property of others in the Named Insured's care, custody or control;
16. LIQUOR LIABILITY
Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete the exclusion entitled Liquor Liability.
This LIQUOR LIABILITY Provision does not apply to any person or organization who otherwise qualifies as an additional insured on this Coverage Part.
CNA74858XX (1-15)
CONTINENTAL CASUALTY COMPANY
Policy No: 6075640222
Endorsement No:
Effective Date: 01/01/2023
Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
CNA
CNA PARAMOUNT
Architects, Engineers and Surveyors General Liability
Extension Endorsement
17. MEDICAL PAYMENTS
A. LIMITS OF INSURANCE is amended to delete Paragraph 7. (the Medical Expense Limit) and replace it with the following:
7. Subject to Paragraph 5. above (the Each Occurrence Limit), the Medical Expense Limit is the most the Insurer will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Medical Expense Limit is the greater of:
(1) $15,000 unless a different amount is shown here: $N,NNN,NNN,NNN; or (2) the amount shown in the Declarations for Medical Expense Limit.
B. Under COVERAGES, the Insuring Agreement of Coverage C — Medical Payments is amended to replace Paragraph 1.a.(3)(b) with the following:
(b) The expenses are incurred and reported to the Insurer within three years of the date of the accident; and
18. NON -OWNED AIRCRAFT
Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended as follows:
The exclusion entitled Aircraft, Auto or Watercraft is amended to add the following:
This exclusion does not apply to an aircraft not owned by any Named Insured, provided that:
1. the pilot in command holds a currently effective certificate issued by the duly constituted authority of the United States of America or Canada, designating that person as a commercial or airline transport pilot;
2. the aircraft is rented with a trained, paid crew to the Named Insured; and
3. the aircraft is not being used to carry persons or property for a charge.
19. NON -OWNED WATERCRAFT
Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete subparagraph (2) of the exclusion entitled Aircraft, Auto or Watercraft, and replace it with the following.
This exclusion does not apply to:
(2) a watercraft that is not owned by any Named Insured, provided the watercraft is:
(a) less than 75 feet long; and
(b) not being used to carry persons or property for a charge.
20. PERSONAL AND ADVERTISING INJURY —DISCRIMINATION OR HUMILIATION A. Under DEFINITIONS, the definition of personal and advertising injury is amended to add the following tort:
Discrimination or humiliation that results in injury to the feelings or reputation of a natural person.
B. Under COVERAGES, Coverage B — Personal and Advertising Injury Liability, the paragraph entitled Exclusions is amended to:
1. delete the Exclusion entitled Knowing Violation Of Rights Of Another and replace it with the following:
CNA74858XX (1-15)
CONTINENTAL CASUALTY COMPANY
Policy No: 6075640222
Endorsement No:
Effective Date: 01/01/2023
Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
40020000560569030054040
CNA
CNA PARAMOUNT
Architects, Engineers and Surveyors General Liability
Extension Endorsement
This insurance does not apply to:
Knowing Violation of Rights of Another
Personal and advertising injury caused by or at the direction of the Insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury. This exclusion shall not apply to discrimination or humiliation that results in injury to the feelings or reputation of a natural person, but only if such discrimination or humiliation is not done intentionally by or at the direction of:
(a) the Named Insured; or
(b) any executive officer, director, stockholder, partner, member or manager (if the Named Insured is a limited liability company) of the Named Insured.
2. add the following exclusions:
This insurance does not apply to:
Employment Related Discrimination
discrimination or humiliation directly or indirectly related to the employment, prospective employment, past employment or termination of employment of any person by any Insured.
Premises Related Discrimination
discrimination or humiliation arising out of the sale, rental, lease or sub -lease or prospective sale, rental, lease or sub -lease of any room, dwelling or premises by or at the direction of any Insured.
Notwithstanding the above, there is no coverage for fines or penalties levied or imposed by a governmental entity because of discrimination.
The coverage provided by this PERSONAL AND ADVERTISING INJURY —DISCRIMINATION OR HUMILIATION Provision does not apply to any person or organization whose status as an Insured derives solely from Provision 1. ADDITIONAL INSURED of this endorsement; or attachment of an additional insured endorsement to this Coverage Part.
21. PERSONAL AND ADVERTISING INJURY - CONTRACTUAL LIABILITY A. Under COVERAGES, Coverage B —Personal and Advertising Injury Liability, the paragraph entitled Exclusions is amended to delete the exclusion entitled Contractual Liability.
B. Solely for the purpose of the coverage provided by this PERSONAL AND ADVERTISING INJURY - LIMITED CONTRACTUAL LIABILITY provision, the following changes are made to the section entitled SUPPLEMENTARY PAYMENTS — COVERAGES A AND B:
1. Paragraph 2.d. is replaced by the following:
d. The allegations in the suit and the information the Insurer knows about the offense alleged in such suit are such that no conflict appears to exist between the interests of the Insured and the interests of the indemnitee;
2. The first unnumbered paragraph beneath Paragraph 2.f.(2)(b) is deleted and replaced by the following:
So long as the above conditions are met, attorney's fees incurred by the Insurer in the defense of that indemnitee, necessary litigation expenses incurred by the Insurer, and necessary litigation expenses incurred CNA74858XX (1-15)
CONTINENTAL CASUALTY COMPANY
Policy No: 6075640222
Endorsement No:
Effective Date: 01/01/2023
Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
CNA
CNA PARAMOUNT
Architects, Engineers and Surveyors General Liability
Extension Endorsement
by the indemnitee at the Insurer's request will be paid as defense costs. Such payments will not be deemed to be damages for personal and advertising injury and will not reduce the limits of insurance.
C. This PERSONAL AND ADVERTISING INJURY - LIMITED CONTRACTUAL LIABILITY Provision does not apply if Coverage B —Personal and Advertising Injury Liability is excluded by another endorsement attached to this Coverage Part.
This PERSONAL AND ADVERTISING INJURY - CONTRACTUAL LIABILITY Provision does not apply to any person or organization who otherwise qualifies as an additional insured on this Coverage Part.
22. PROPERTY DAMAGE — ELEVATORS
A. Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended such that the Damage to Your Product Exclusion and subparagraphs (3), (4) and (6) of the Damage to Property Exclusion do not apply to property damage that results from the use of elevators.
B. Solely for the purpose of the coverage provided by this PROPERTY DAMAGE — ELEVATORS Provision, the Other Insurance conditions is amended to add the following paragraph:
This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis that is Property insurance covering property of others damaged from the use of elevators.
23. RETIRED PARTNERS, MEMBERS, DIRECTORS AND EMPLOYEES
WHO IS INSURED is amended to include as Insureds natural persons who are retired partners, members, directors or employees, but only for bodily injury, property damage or personal and advertising injury that results from services performed for the Named Insured under the Named Insured's direct supervision. All limitations that apply to employees and volunteer workers also apply to anyone qualifying as an Insured under this Provision.
24. SUPPLEMENTARY PAYMENTS
The section entitled SUPPLEMENTARY PAYMENTS — COVERAGES A AND B is amended as follows:
A. Paragraph 1.b. is amended to delete the $250 limit shown for the cost of bail bonds and replace it with a $5,000. limit; and
B. Paragraph 1.d. is amended to delete the limit of $250 shown for daily loss of earnings and replace it with a $1,000. limit.
25. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS
If the Named Insured unintentionally fails to disclose all existing hazards at the inception date of the Named Insured's Coverage Part, the Insurer will not deny coverage under this Coverage Part because of such failure.
26. WAIVER OF SUBROGATION - BLANKET
Under CONDITIONS, the condition entitled Transfer Of Rights Of Recovery Against Others To Us is amended to add the following:
The Insurer waives any right of recovery the Insurer may have against any person or organization because of payments the Insurer makes for injury or damage arising out of:
1. the Named Insured's ongoing operations; or
2. your work included in the products -completed operations hazard.
However, this waiver applies only when the Named Insured has agreed in writing to waive such rights of recovery in a written contract or written agreement, and only if such contract or agreement:
CNA74858XX (1-15)
CONTINENTAL CASUALTY COMPANY
Policy No: 6075640222
Endorsement No:
Effective Date: 01/01/2023
Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
40020000560569030054041
CNA
CNA PARAMOUNT
Architects, Engineers and Surveyors General Liability
Extension Endorsement
1. is in effect or becomes effective during the term of this Coverage Part; and
2. was executed prior to the bodily injury, property damage or personal and advertising injury giving rise to the claim.
27. WRAP-UP EXTENSION: OCIP, CCIP, OR CONSOLIDATED (WRAP-UP) INSURANCE PROGRAMS Note: The following provision does not apply to any public construction project in the state of Oklahoma, nor to any construction project in the state of Alaska, that is not permitted to be insured under a consolidated (wrap-up) insurance program by applicable state statute or regulation.
If the endorsement EXCLUSION — CONSTRUCTION WRAP-UP is attached to this policy, or another exclusionary endorsement pertaining to Owner Controlled Insurance Programs (O.C.I.P.) or Contractor Controlled Insurance Programs (C.C.I.P.) is attached, then the following changes apply:
A. The following wording is added to the above -referenced endorsement:
With respect to a consolidated (wrap-up) insurance program project in which the Named Insured is or was involved, this exclusion does not apply to those sums the Named Insured become legally obligated to pay as damages because of:
1. Bodily injury, property damage, or personal or advertising injury that occurs during the Named Insured's ongoing operations at the project, or during such operations of anyone acting on the Named Insured's behalf; nor
2. Bodily injury or property damage included within the products -completed operations hazard that arises out of those portions of the project that are not residential structures.
B. Condition 4. Other Insurance is amended to add the following subparagraph 4.b.(1)(c):
This insurance is excess over:
(c) Any of the other insurance whether primary, excess, contingent or any other basis that is insurance available to the Named Insured as a result of the Named Insured being a participant in a consolidated (wrap-up) insurance program, but only as respects the Named Insured's involvement in that consolidated (wrap-up) insurance program.
C. DEFINITIONS is amended to add the following definitions:
Consolidated (wrap-up) insurance program means a construction, erection or demolition project for which the prime contractor/project manager or owner of the construction project has secured general liability insurance covering some or all of the contractors or subcontractors involved in the project, such as an Owner Controlled Insurance Program (O.C.I.P.) or Contractor Controlled Insurance Program (C.C.I.P.).
Residential structure means any structure where 30% or more of the square foot area is used or is intended to be used for human residency, including but not limited to:
1. single or multifamily housing, apartments, condominiums, townhouses, co-operatives or planned unit developments; and
2. the common areas and structures appurtenant to the structures in paragraph 1. (including pools, hot tubs, detached garages, guest houses or any similar structures).
However, when there is no individual ownership of units, residential structure does not include military housing, college/university housing or dormitories, long term care facilities, hotels or motels. Residential structure also does not include hospitals or prisons.
CNA74858XX (1-15)
CONTINENTAL CASUALTY COMPANY
Policy No: 6075640222
Endorsement No:
Effective Date: 01/01/2023
Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
CNA
CNA PARAMOUNT
Architects, Engineers and Surveyors General Liability
Extension Endorsement
This WRAP-UP EXTENSION: OCIP, CCIP, OR CONSOLIDATED (WRAP-UP) INSURANCE PROGRAMS Provision does not apply to any person or organization who otherwise qualifies as an additional insured on this Coverage Part.
All other terms and conditions of the Policy remain unchanged.
This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy.
CNA74858XX (1-15)
CONTINENTAL CASUALTY COMPANY
Policy No: 6075640222
Endorsement No:
Effective Date: 01/01/2023
Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
20020002260756402221444
CNA
CNA PARAMOUNT
Changes - Notice of Cancellation or Material
Restriction Endorsement
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
EMPLOYEE BENEFITS LIABILITY COVERAGE PART
LIQUOR LIABILITY COVERAGE PART
OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART
PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART
RAILROAD PROTECTIVE LIABILITY COVERAGE PART
STOP GAP LIABILITY COVERAGE PART
TECHNOLOGY ERRORS AND OMISSIONS LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY — NEW YORK DEPARTMENT OF TRANSPORTATION
SCHEDULE
Number of days notice (other than for nonpayment of premium):
Number of days notice for nonpayment of premium:
Name of person or organization to whom notice will be sent:
Address:
PER SCHEDULE ON FILE
PER SCHEDULE ON FILE
030
10 PER SCHEDULE ON FILE
XX 00000
If no entry appears above, the number of days notice for nonpayment of premium will be 10 days.
It is understood and agreed that in the event of cancellation or any material restrictions in coverage during the policy period, the Insurer also agrees to mail prior written notice of cancellation or material restriction to the person or organization listed in the above Schedule. Such notice will be sent prior to such cancellation in the manner prescribed in the above Schedule.
All other terms and conditions of the Policy remain unchanged.
This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy.
CNA74702XX (1-15)
VALLEY FORGE INSURANCE COMPANY
Insured Name: ARDURRA GROUP, INC.
Copyright CNA All Rights Reserved.
Policy No: 6075640222
Endorsement No: 31
Effective Date: 01/01/2023
10020009960569029995306
Policy: 6075640236
CNA
SCA 23 500D09
(Ed. 10/11)
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
EXTENDED COVERAGE ENDORSEMENT - BA PLUS
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
I. LIABILITY COVERAGE
A. Who Is An Insured
The following is added to Section II, Paragraph Al., B.
Who Is An Insured:
1. a. Any incorporated entity of which the Named
Insured owns a majority of the voting stock on
the date of inception of this Coverage Form;
provided that,
b. The insurance afforded by this provision A.1.
does not apply to any such entity that is an
"insured" under any other liability "policy"
providing "auto" coverage.
2. Any organization you newly acquire or form, other
than a limited liability company, partnership or
joint venture, and over which you maintain
majority ownership interest.
The insurance afforded by this provision A.2.:
a. Is effective on the acquisition or formation
date, and is afforded only until the end of the
policy period of this Coverage Form, or the
next anniversary of its inception date,
whichever is earlier.
b. Does not apply to:
(1) "Bodily injury" or "property damage"
caused by an "accident" that occurred
before you acquired or formed the
organization; or
(2) Any such organization that is an "insured"
under any other liability "policy" providing
"auto" coverage.
3. Any person or organization that you are obligated
to provide Insurance where required by a written
contract or agreement is an insured, but only with
respect to legal responsibility for acts or omissions
of a person for whom Liability Coverage is
afforded under this policy.
4. An "employee" of yours is an "insured" while
operating an "auto" hired or rented under a
contract or agreement in that "employee's" name,
with your permission, while performing duties
related to the conduct of your business.
"Policy," as used in this provision A. Who Is An
Insured, includes those policies that were in force on
the inception date of this Coverage Form but:
1. Which are no longer in force; or
2. Whose limits have been exhausted.
Bail Bonds and Loss of Earnings
Section ll, Paragraphs A.2.a.(2) and A.2.a.(4) are
revised as follows:
1. In a.(2), the limit for the cost of bail bonds is
increased from $2,000 to $5,000, and
2. In a.(4), the limit for the loss of earnings is
increased from $250 to $500 a day.
C. Fellow Employee
Section II, Paragraph B.5 does not apply.
Such coverage as is afforded by this provision C. is
excess over any other collectible insurance.
II. PHYSICAL DAMAGE COVERAGE
A. Towing
Section III. Paragraph A.2., is revised to include Light Trucks up to 10,000 pounds G.V.W.
B. Transportation Expenses
Section III, Paragraph A.4.a. is revised, with respect
to transportation expense incurred by you, to provide:
a. $60 per day, in lieu of $20; subject to
b. $1,800 maximum, in lieu of $600.
C. Loss of Use Expenses
Section III, Paragraph A.4.b. is revised, with respect
to loss of use expenses incurred by you, to provide:
a. $1,000 maximum, in lieu of $600.
D. Personal Property
The following is added to Section III, Paragraph A.4.
c. We will pay up to $500 for loss to Personal
Property which is:
(1) Owned by an "insured"; and
(2) In or on the covered "auto."
This coverage applies only in the event of a total
theft of your covered "auto."
This insurance is excess over any other collectible
insurance and no deductible applies.
E. Rental Reimbursement
SCA 23 500D09 Copyright, CNA Corporation, 2000. Page 1 of 3 (Ed. 10/11) Includes copyrighted material of the Insurance Services Office used with its permission.
Policy: 6075640236
The following is added to Section III, Paragraph A.4.:
d. We will pay for rental reimbursement expenses
incurred by you for the rental of an "auto" because
of "loss" to a covered "auto." Payment applies in
addition to the otherwise applicable amount of
each coverage you have on a covered "auto." No
deductibles apply to this coverage.
1. We will pay only for those expenses incurred
during the policy period beginning 24 hours
after the "loss" and ending, regardless of the
policy's expiration, with the lesser of the
following number of days:
(a) The number of days reasonably required
to repair or replace the covered "auto"; or,
(b) 15 days.
2. Our payment is limited to the lesser of the
following amounts:
(a) Necessary and actual expenses incurred;
or,
(b) $25 per day subject to a maximum of H.
$375.
3. This coverage does not apply while there are
spare or reserve "autos" available to you for
your operations.
4. If "loss" results from the total theft of a
covered "auto" of the private passenger type,
we will pay under this coverage only that
amount of your rental reimbursement
expenses which is not already provided for
under the Physical Damage Coverage
Extension.
G.
F. Hired "Autos"
The following is added to Section III. Paragraph A.:
5. Hired "Autos"
If Physical Damage coverage is provided under
this policy, and such coverage does not extend to
Hired Autos, then Physical Damage coverage is
extended to:
a. Any covered "auto" you lease, hire, rent or
borrow without a driver; and
b. Any covered "auto" hired or rented by your
"employee" without a driver, under a contract
in that individual "employee's" name, with
your permission, while performing duties
related to the conduct of your business.
c. The most we will pay for any one "accident" or
"loss" is the actual cash value, cost of repair,
cost of replacement or $75,000 whichever is
less minus a $500 deductible for each
covered auto. No deductible applies to "loss"
caused by fire or lightning.
SCA 23 500D09
(Ed. 10/11)
d. The physical damage coverage as is provided
by this provision will be limited to the types of
physical damage coverage(s) provided on
your owned "autos."
e. Such physical damage coverage for hired
"autos" will:
(1) Include loss of use, provided it is the
consequence of an "accident" for which
the Named Insured is legally liable, and
as a result of which a monetary Toss is
sustained by the leasing or rental
concern.
(2) Such coverage as is provided by this
provision G.e.(1) will be subject to a limit
of $750 per "accident."
Airbag Coverage
The following is added to Section III, Paragraph B.3.
The accidental discharge of an airbag shall not be
considered mechanical breakdown.
Electronic Equipment
Section III, Paragraphs B.4.c and B.4.d. are deleted
and replaced by the following:
c. Physical Damage Coverage on a covered
"auto" also applies to "loss" to any
permanently installed electronic equipment
including its antennas and other accessories
d. A $100 per occurrence deductible applies to
the coverage provided by this provision.
Diminution In Value
The following is added to Section III, Paragraph B.6.
Subject to the following, the "diminution in value"
exclusion does not apply to:
a. Any covered "auto" of the private passenger
type you lease, hire, rent or borrow, without a
driver for a period of 30 days or less, while
performing duties related to the conduct of
your business; and
b. Any covered "auto" of the private passenger
type hired or rented by your "employee"
without a driver for a period of 30 days or less,
under a contract in that individual
"employee's" name, with your permission,
while performing duties related to the conduct
of your business.
c. Such coverage as is provided by this
provision is limited to a "diminution in value"
loss arising directly out of accidental damage
and not as a result of the failure to make
repairs; faulty or incomplete maintenance or
repairs; or the installation of substandard
parts.
SCA 23 500D09 Copyright, CNA Corporation, 2000. Page 2 of 3 (Ed. 10/11) Includes copyrighted material of the Insurance Services Office used with its permission.
10020009960569029995307
Policy: 6075640236
d. The most we will pay for "loss" to a covered
"auto" in any one accident is the lesser of:
(1) $5,000; or
(2) 20% of the "auto's" actual cash value
(ACV)
III. Drive Other Car Coverage — Executive Officers
The following is added to Sections II and III:
1. Any "auto" you don't own, hire or borrow is a
covered "auto" for Liability Coverage while being
used by, and for Physical Damage Coverage
while in the care, custody or control of, any of your
"executive officers," except:
a. An "auto" owned by that "executive officer" or
a member of that person's household; or
b. An "auto" used by that "executive officer"
while working in a business of selling,
servicing, repairing or parking "autos."
Such Liability and/or Physical Damage Coverage
as is afforded by this provision will be:
(1) Equal to the greatest of those coverages
afforded any covered "auto"; and
(2) Excess over any other collectible
insurance.
2. For purposes of this provision, "executive officer"
means a person holding any of the officer
positions created by your charter, constitution, by-
laws or any other similar governing document,
and, while a resident of the same household,
includes that person's spouse.
Such "executive officers" are "insureds" while
using a covered "auto" described in this provision.
IV. BUSINESS AUTO CONDITIONS
A. Duties In The Event Of Accident, Claim, Suit Or
Loss
SCA 23 500D09
(Ed. 10/11)
The following is added to Section IV, Paragraph
A.2.a.
(4) Your "employees" may know of an "accident"
or "loss." This will not mean that you have
such knowledge, unless such "accident" or
"loss" is known to you or if you are not an
individual, to any of your executive officers or
partners or your insurance manager.
The following is added to Section IV, Paragraph
A.2.b.
(6) Your "employees" may know of documents
received concerning a claim or "suit." This will
not mean that you have such knowledge,
unless receipt of such documents is known to
you or if you are not an individual, to any of
your executive officers or partners or your
insurance manager.
B. Concealment, Misrepresentation or Fraud
The following is added to Section IV, Paragraph B.2.
Your failure to disclose all hazards existing on the date of inception of this Coverage Form shall not prejudice
you with respect to the coverage afforded provided
such failure or omission is not intentional.
C. Policy Period, Coverage Territory
Section IV, Paragraphs 7.(5).(a). is revised to
provide:
a. 45 days of coverage in lieu of 30 days
IV. DEFINITIONS
Section V. Paragraph C. is deleted and replaced by
the following:
"Bodily injury" means bodily injury, sickness or disease sustained by a person, including mental anguish,
mental injury or death resulting from any of these
SCA 23 500D09 Copyright, CNA Corporation, 2000. Page 3 of 3 (Ed. 10/11) Includes copyrighted material of the Insurance Services Office used with its permission.
C'NA
CNA71527XX
(Ed. 10/12)
ADDITIONAL INSURED - PRIMARY AND NON-CONTRIBUTORY
It is understood and agreed that this endorsement amends the BUSINESS AUTO COVERAGE FORM as follows:
SCHEDULE
Name of Additional Insured Persons Or Organizations
Any person or organization with whom you are required to add as and additional insured or primary and non- contributory on this policy under a written contract or agreement. You must agree to these contracts prior to the date of loss.
1. In conformance with paragraph A.1.c. of Who Is An Insured of Section II — LIABILITY COVERAGE, the person or organization scheduled above is an insured under this policy.
2. The insurance afforded to the additional insured under this policy will apply on a primary and non-contributory basis if you have committed it to be so in a written contract or written agreement executed prior to the date of the "accident" for which the additional insured seeks coverage under this policy.
All other terms and conditions of the Policy remain unchanged.
CNA71527XX (10/12)
Copyright CNA All Rights Reserved.
Policy No: 6075640236
Endorsement No:
Effective Date: 01-01-2023
CNA
1 Business Auto Policy
WAIVER OF TRANSFER OF RIGHTS OF RECOVER
GAINST OTHERS TO US (WAIVER OF SUBROGATION)
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
This endorsement modifies insurance provided under the following:
AUTO DEALERS COVERAGE FORM
BUSINESS AUTO COVERAGE FORM
MOTOR CARRIER COVERAGE FORM
With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement.
This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below.
Named Insured: ARDURRA GROUP, INC.
Endorsement Effective Date: 01/01/2023
SCHEDULE
Name(s) Of Person(s) Or Organization(s):
ANY PERSON OR ORGANIZATION FOR WHOM OR WHICH YOU ARE REQUIRED BY WRITTEN CONTRACT OR AGREEMENT TO OBTAIN THIS WAIVER FROM US. YOU MUST AGREE TO THAT REQUIREMENT PRIOR TO LOSS.
Information required to complete this Schedule, if not shown above, will be shown in the Declarations.
The Transfer Of Rights Of Recovery Against Others To Us condition does not apply to the person(s) or organization(s) shown in the Schedule, but only to the extent that subrogation is waived prior to the "accident" or the "loss" under a contract with that person or organization.
Form No: CA 04 44 10 13
Endorsement Effective Date: Endorsement Expiration Date:
Endorsement No: 12; Page: 1 of 1
Underwriting Company: National Fire Insurance Company of Hartford, 151 N Franklin St, Chicago, IL 60606
© Copyright Vsurance Services Office, Inc., 2011
Policy No: BUA 6075640236
Policy Effective Date: 01/01/2023
Policy Page: 75 of 345
00020005120959950514755
CNA
CNA PARAMOUNT
Policy Holder Notice - Countrywide
It is understood and agreed that:
If the Named Insured has agreed under written contract to provide notice of cancellation to a party to whom the Agent of Record has issued a Certificate of Insurance, and if the Insurer cancels a policy term described on that Certificate of Insurance for any reason other than nonpayment of premium, then notice of cancellation will be provided to such Certificate holders at least 30 days in advance of the date cancellation is effective.
If notice is mailed, then proof of mailing to the last known mailing address of the Certificate holder on file with the Agent of Record will be sufficient to prove notice.
Any failure by the Insurer to notify such persons or organizations will not extend or invalidate such cancellation, or impose any liability or obligation upon the Insurer or the Agent of Record.
All other terms and conditions of the Policy remain unchanged.
This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy.
CNA75014XX (1-15)
Insured Name:
Policy No: 6075640236
Endorsement No: 05
Effective Date: 01/01/2023
Copyright CNA ANI Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
CNA
Workers Compensation And Employers Liability Insurance
This endorsement changes the policy to which it is attached.
It is agreed that Part One - Workers' Compensation Insurance G. Recovery From Others and Part Two - Employers' Liability Insurance H. Recovery From Others are amended by adding the following:
We will not enforce our right to recover against persons or organizations. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) PREMIUM CHARGE - Refer to the Schedule of Operations
The charge will be an amount to which you and we agree that is a percentage of the total standard premium for California exposure. The amount is 3%.
All other terms and conditions of the policy remain unchanged.
This endorsement, which forms a part of and is for attachment to the policy issued by the designated Insurers, takes effect on the Policy Effective Date of said policy at the hour stated in said policy, unless another effective date (the Endorsement Effective Date) is shown below, and expires concurrently with said policy unless another expiration date is shown below.
Form No: G -19160-B (11-1997)
Endorsement Effective Date: Endorsement Expiration Date:
Endorsement No: 2; Page: 1 of 1
Underwriting Company: American Casualty Company of Reading, Pennsylvania, 151 N Franklin St, Chicago, IL 60606
Copyright CNA All Rights Reserved.
Policy No: WC 6075640253
Policy Effective Date: 01/01/2023
Policy Page: 34 of 50
00020005120959950514755
CNA
CNA PARAMOUNT
Policy Holder Notice - Countrywide
It is understood and agreed that:
If the Named Insured has agreed under written contract to provide notice of cancellation to a party to whom the Agent of Record has issued a Certificate of Insurance, and if the Insurer cancels a policy term described on that Certificate of Insurance for any reason other than nonpayment of premium, then notice of cancellation will be provided to such Certificate holders at least 30 days in advance of the date cancellation is effective.
If notice is mailed, then proof of mailing to the last known mailing address of the Certificate holder on file with the Agent of Record will be sufficient to prove notice.
Any failure by the Insurer to notify such persons or organizations will not extend or invalidate such cancellation, or impose any liability or obligation upon the Insurer or the Agent of Record.
All other terms and conditions of the Policy remain unchanged.
This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy.
CNA75014XX (1-15)
Insured Name:
Policy No: 6075640253
Endorsement No: 05
Effective Date: 01/01/2023
Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
00020005120959950514755
CNA
CNA PARAMOUNT
Policy Holder Notice - Countrywide
It is understood and agreed that:
If the Named Insured has agreed under written contract to provide notice of cancellation to a party to whom the Agent of Record has issued a Certificate of Insurance, and if the Insurer cancels a policy term described on that Certificate of Insurance for any reason other than nonpayment of premium, then notice of cancellation will be provided to such Certificate holders at least 30 days in advance of the date cancellation is effective.
If notice is mailed, then proof of mailing to the last known mailing address of the Certificate holder on file with the Agent of Record will be sufficient to prove notice.
Any failure by the Insurer to notify such persons or organizations will not extend or invalidate such cancellation, or impose any liability or obligation upon the Insurer or the Agent of Record.
All other terms and conditions of the Policy remain unchanged.
This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy.
CNA75014XX (1-15)
Insured Name:
Policy No: 6075640270
Endorsement No: 05
Effective Date: 01/01/2023
Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
41.1 Berkshire Heat Sawa �
� pe .laky [r� trr Frac.
ENDORSEMENT 13
This endorsement, effective 12:01AM: January 1, 2023
Forms a part of Policy No.: 42-EPP-306878-05
Issued to: Ardurra Group, Inc.
By: National Fire & Marine Insurance Company
NOTICE OF CANCELLATION LIMITED TO EMAit
NOTIFICATION
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
This endorsement modifies insurance provided under the following:
PROFESSIONAL FIRST - ARCHITECTS, ENGINEERS & CONSULTANTS
PROFESSIONAL LIABILITY POLICY
In consideration of the premium for this Policy, it is hereby understood and agreed that:
1. In the event this policy is cancelled by the Insurer or by the Named Insured prior to the expiration date as shown on the Declarations, a thirty (30) day notice of such cancellation will be provided if the Named Insured is under an existing contractual obligation to notify a certificate holder when this Policy is cancelled and has provided the following either directly or indirectly through its broker of record:
a. The name of the entity shown on the certificate; and b. A contact at such entity and the email address of such entity where notification may be sent.
This provision does not apply if the cancellation is due to nonpayment of premium to the Insurer or to a finance company authorized to cancel the Policy.
2. It is understood and agreed that in the event this policy is cancelled by the Insurer for nonpayment of premium, a ten (10) day notice of such cancellation will be provided if the Named Insured is under an existing contractual obligation to notify a certificate holder when this policy is cancelled for nonpayment of premium and has provided the following either directly or indirectly through its broker of record:
a. The name of the entity shown on the certificate; and b. A contact at such entity and the email address of such entity where notification may be sent.
3. Such notices of cancellation will be provided via e-mail to the certificate holders. Proof of the
Insurer emailing the notices of cancellation, using the information provided by the Named Insured, will serve as proof that the Insurer has fully satisfied its obligations under this endorsement.
Such notices of cancellation are provided on an informational basis and solely to assist the Named Insured in meeting their contractual notice requirements to such parties. The Insurer's failure to provide such advance notice to the certificate of insurance holder(s) will not extend any policy cancellation date, negate any cancellation of the policy, or grant, alter, or extend any rights or obligations under this Policy and the Insurer shall have no liability for failure to provide the notices herein.
All other terms and conditions of this Policy remain unchanged.