ACORD® DATE (MM/DD/YYYY)
CERTIFICATE OF LIABILITY INSURANCE
09/05/2023
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURERS), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. i SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement ol his certificate does not confer rights to the certificate holder in lieu of such endorsements) NAME Ashley Mack
Newfront Insurance Services, LLC (A/C. No. Ext): (415) 754-3635 450 Sansome Street [email protected]
INSURERS) AFFORDING COVERAGE
INSURER A: Citizens Insurance Company of America
INSURED INSURER B: Hartford Casualty Insurance Company 29424 HF&H Consultants, LLC INSURER C: Gemini Insurance Company 10833 INSURER D:
590 Ygnacio Valley Rd. Suite 105 INSURER E:
Walnut Creek CA 94596 INSURER F:
COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
ERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERM XCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIM INSR
POLICY NUMBER
X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2,000,000 CLAIMS-MADE X OCCUR DAMAGE TO RENTED $ 1,000,000
PREMISES (Ea occurrence)
MED EXP (Any one person) $ 10,000
A OBF-D681476-06 09/06/2023 09/06/2024 PERSONAL & ADVINJURY GENERAL AGGREGATE 154.000000
GEN'L AGGREGATE LIMIT APPLIES PER:
PRO
X POLICY LOC
JECT PRODUCTS-COMPOP AG $ 3,000.000
OTHER:
AUTOMOBILE LIABILITY COMBINED SINGLE LIMI $ INCLUDED
Ea acciden
ANY AUTO BODILY INJURY (Per person)
A OWNED SCHEDULED OBF-D681476-06 09/06/2023 09/06/2024
AUTOS ONLY AUTOS
HIRED NON-OWNED PROPERTY DAMAGE
AUTOS ONLY AUTOS ONLY Per accident
X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $ 3,000,000
A EXCESS LIAB CLAIMS-MADE OBF-D681476-06 09/06/2023 09/06/2024 AGGREGATE $ 3.00.000
RETENTION $
VORKERS COMPENSATION X STATUTE T
ND EMPLOYERS' LIABILIT
B OFFERMEMBER DETECTIVES 57 WEC ZR5765 09/06/2023 09/06/2024 E.L. EACH ACCIDENT $ 1,000,000 N/ A
(Mandatory in NH) E.L. DISEASE - EA EMPLOYEE $ 1,000,000 DESCRIPTION OF OPERATIONS balow E.L. DISEASE - POLICY LIMIT $ 1,000,000 Aggregate 2,000,000
Professional Liability
VNPL013999 09/06/2023 09/06/2024 Each Loss Ded 10,000
Each Claim 2,000,000
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) The City of Redondo Beach its Officials, elected, and appointed officials, employees and volunteers are included as an additional insured as required by vritten contract with respect to General Liability
CERTIFICATE HOLDER CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of Redondo Beach ACCORDANCE WITH THE POLICY PROVISIONS.
ATTN: Jesse Reyes AUTHORIZED REPRESENTATIVE
531 N Gertruda Ave
Redondo Beach CA 90277
© 1988-2015 ACORD CORPORATION. All rights reserved.
ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD POLICY NUMBER: OBF-D681476-06
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
BUSINESSOWNERS LIABILITY SPECIAL BROADENING ENDORSEMENT This endorsement modifies insurance provided under the following:
BUSINESSOWNERS COVERAGE FORM
SUMMARY OF COVERAGES Limits Page
1. Additional Insured by Contract, Agreement or Permit Included 1
2. Additional Insured - Broad Form Vendors Included 2
3. Alienated Premises Included 3
4. Broad and Use of EleValorse - Borrowed Equipment, Customers Included 3
5. Incidental Malpractice (Employed Nurses, EMT's and Paramedics) Included 3
6. Personal and Advertising Injury - Broad Form Included 4
7. Product Recall Expense Included 4
Product Recall Expense Each Occurrence Limit $25,000
Occurrence 5
Product Recall Expense Aggregate Limit $50,000
Aggregate 5
Product Recall Deductible $500 5
8. Unintentional Failure to Disclose Hazards Included 6
9. Unintentional Failure to Notify Included 6
This endorsement amends coverages provided under the Businessowners Coverage Form through new coverages and broader coverage grants. This coverage is subject to the provisions applicable to the Businessowners Coverage Form, except as provided below.
The following changes are made to SECTION II - (2) Premises you own, rent, lease or LIABILITY: occupy; or
1. Additional Insured by Contract, Agreement or 3) Your maintenance, operation or use c Permit equipment leased to you
The following is added to SECTION II - b. The insurance afforded to such additional LIABILITY, C. Who Is An Insured: insured described above:
Additional Insured by Contract, Agreement or (1) Only applies to the extent permitted by Permit law; and
a. Any person or organization with whom you (2) Will not be broader than the insurance agreed in a which you are required by the contract,
agreement or permit to add such person or agreement or permit to provide for such organization as an additional insured on additional insured. your policy is an additional insured only with (3) Applies on a primary basis if that is or "personal required by the written contract, written
agreement or permit.
advertising injury" caused, in whole or in
part, by your acts or omissions, or the acts (4) Will not be broader than coverage or omissions of those acting on your behalf, provided to any other insured. but only with respect to: (5) Does not apply if the "bodily injury" (1) "Your work" for the additional insured(s) "property damage" or "personal and designated in the contract, agreement or advertising injury" is otherwise excluded permit; from coverage under this Coverage Part,
including any endorsements thereto.
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OBF D681476 5701751
c. This provision does not apply: The most we will pay on behalf of the (1) Unless the written contract or written additional insured for a covered claim is the lesser of the amount of insurance:
agreement was executed or permit was
issued prior to "bodily injury", 1. Required by the contract, agreement or "superty damage", or personal injury permit described in Paragraph a.; or and advertising injury". 2. Available under the applicable Limits oi (2) To any person or organization included Insurance shown in the Declarations. as an insured by another endorsement
This endorsement shall not increase the
issued by us and made part of this applicable Limits Insurance shown in the Coverage Part. Declarations
(3) To any lessor of equipment: e. All other insuring agreements, exclusions, (a) After the equipment lease expires; or and conditions of the policy apply. (b) If the "property 2. Additional Insured - Broad Form Vendors The following is added to SECTION || -
arises out of sole negligence
of the lessor. LIABILITY, C. Who Is An Insured:
Additional Insured - Broad Form Vendors
(4) To any:
a. Any person or organization that is a vendor
(a) Owners or other interests from whom with whom you agreed in a written contract "occurrence" been or written agreement to include as an place additional insured under this Coverage Part
offense is committed after the lease is an insured, but only with respect to liability for the land expires; or for "bodily injury" or "property damage" (b) Managers or lessors of premises if: arising out of "your products" which are (i) The "occurrence" takes place or distributed or sold in the regular course of the offense is committed after the vendor's business.
you cease to be a tenant in that b. The insurance afforded to such vendor premises; or described above:
(ii) The "bodily injury", "property (1) Only applies to the extent permitted by damage" personal injury" law;
"advertising injury" arises out of
(2) Will not be broader than the insurance
structural alterations
which you are required by the contract or
construction demolition agreement to provide for such vendor; operations performed by or on
behalf of the manager or lessor. (3) Will not be broader than coverage (5) To "bodily injury", "property damage" or provided to any other insured; and "personal and advertising injury" arising (4) Does not apply if the "bodily injury" out of the rendering of or the failure to "property damage" "personal and render any professional services. advertising injury" is otherwise excluded from coverage under this Coverage Part,
including any endorsements thereto
against any insured allege negligence ol
supervision. c. With respect to insurance afforded to such endors, the following additional exclusions
The dense with Pauper miled not applyance afforded to the vendor does and advertising
d. With respect to the insurance afforded to
these additional insureds, the following is
added to SECTION II - LIABILITY, D. Liability
and Medical Expense Limits of Insurance:
(2) Aol express warranty unathorized by
391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 2 of 6 (3) Any physical or chemical change in the The most we will pay on behalf of the vendor product made intentionally by the for a covered claim is the lesser of the vendor; amount of insurance:
(4) Repackaging, unless unpacked solely for 1. Required by the contract or agreement the purpose inspection, described in Paragraph a.; or
demonstration, testing, the
substitution of parts under instruction .. Available under the applicable Limits o insurance shown in the Declarations:
from manufacturer, and then
repackaged in the original container; This endorsement shall not increase the (5) Any failure to make applicable Limits of Insurance shown in the Declarations.
adjustments, tests or servicing as the
vendor has agreed to make or normally 3. Alienated Premises undertakes to make in the usual course SECTION |I - LIABILITY, B. Exclusions, of business in connection with the sale Applicable To Business Liability Coverage k. of the product; Damage to Property, paragraph (2) is replaced by (6) Demonstration, installation, servicing or the following:
repair operations, except 2) Premises you sell, give away or abandon, if operations performed at the vendor's the "property damage" arises out of any part premises in connection with the sale of of those premises and occurred from hazards the product; that were known by you, or should have
(7) Products which, after distribution or sale reasonably been known by you, at the time by you, have been labeled or relabeled the property was transferred or abandoned.
Or container, or 4. Broad Form Property Damage - Borrowed ingredient thing or Equipment, Customers Goods, Use of Elevators substance by or for the vendor;
a. The following is added to SECTION || -
(8) "Bising out of the sole negligen de of ge" damage" LIABILITY, B. Exclusions, 1. Applicable To Business Liability Coverage, k. Damage to
vendor for its own acts or omissions or Property:
those of its employees or anyone else
behalf. However, this Paragraph (4) does not apply to "property exclusion does not apply to: damage" to borrowed equipment while at a jobsite and not being used to perform
(a) The exceptions contained within the operations.
exclusion in subparagraphs (4) or (6)
above; or Paragraph (3), (4)
(b) Such inspections, adjustments, tests while on your premises nor to the use of or servicing the vendor has elevators.
agreed make normally
undertakes to make in the usual b. For the purposes of this endorsement, the course of business, in connection following definition is added to SECTION II - with the distribution or sale of the LIABILITY, F. Liability and Medical Expenses products. Definitions:
(9) "Bodily injury" or "property damage" "Customers goods" means property of arising out of an "occurrence" that took your customer on your premises for the place before you have signed the purpose of being:
contract or agreement with the vendor. a. Worked on; or (10) To any person or organization included b. Used in your manufacturing process. as an insured by another endorsement
issued by us and made part of this
Coverage Part. property insurance (including deductible) (11) Any insured person or organization, available to the insured whether primary, from whom you have acquired such excess, contingent or on any other basis. products, or any ingredient, part
container, entering into, accompanying 5. Incidental Malpractice - Employed Nurses, EMT's or containing such products. and Paramedics
1. With respect to the insurance afforded to SECTION || - LIABILITY, C. Who Is An Insured hese vendors, the following is added to paragraph 2.a.(1)(d) does not apply to a nurse, SECTION II - LIABILITY, D. Liability and
Medical Expense Limits of Insurance:
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OBF D681476 5701751
emergency medical technician or paramedic o. Recall of Products, Work or Impaired employed by you if you are not engaged in the Property is replaced by the following:
business or occupation of providing medical.
dental, ray or nursing o. Recall of Products, Work or Impaired paramedical, surgical, dental.
Property
services.
Damages claimed for any loss, cost or
6. Personal Injury - Broad Form expense incurred by you or others for a. SECTION I|_- LIABILITY, B. Exclusions, 2. the loss of use, withdrawal, recall, Additional Exclusions Applicable only inspection, repair, replacement, "Personal and Advertising Injury", paragraph adjustment, removal or disposal of:
(1) "Your product";
b. SECTION_ II - LIABILITY, F. Liability and (2) "Your work"; or Medical Expenses Definitions, 14. "Personal
and advertising injury", paragraph b. is (3) "Impaired property"; replaced by the following: If such product, work or property is b. Malicious prosecution or abuse of withdrawn or recalled from the market or process. from use by any person or organization
because of a known or suspected defect
c. The following is added to SECTION I| -
deficiency, inadequacy or dangerous
LIABILITY, F. Liability and Medical Expenses condition in it, but this exclusion doe:
Definitions, Definition 14. "Personal and
not apply to "product recall expenses"
advertising injury": that you incur for the "covered recall" of "Discrimination" (unless insurance thereof is "your product". prohibited by law) that results in injury to the
However, the exception to the exclusion
feelings or reputation of a natural person, "product recall does not apply to
but only if such "discrimination" is: expenses" resulting from:
(1) Not done intentionally by or at the (4) Failure of any products to accomplish direction of:
their intended purpose;
(a) The insured;
(5) Breach of warranties of fitness,
(b) Any officer of the corporation, quality, durability or performance; director, stockholder.
ne insured: a arineration (6) Loss of customer approval, or any member of the insured: and
cost incurred to regain customer
2) Not directly or indirectly related to ar approval;
'emolovee not to the
(7) Redistribution or replacement of
prospective employment or termination
"your recalled roduct" which has been
of any person or persons by an insured.
by like products or
For purposes this endorsement. substitutes;
following definition is added to SECTION II -
LIABILITY, F. Liability and Medical Expenses (8) Caprice or whim of the insured; Definitions: (9) A condition likely to cause loss of
which any insured knew or hac
1. "Discrimination" the unlawful reason to know at the inception of treatment of individuals based upon race, this insurance; col seeta criere gender criminal, (10) Asbestos, including loss, damage or does not include the unlawful treatment clean up resulting from asbestos or of individuals based upon developmental, asbestos containing materials; or physical, cognitive, mental, sensory or (11) Recall of "your products" that have emotional no known or suspected defect solely
combination of these. because a known or suspected
defect in another of "your products"
• Myrg excue ether by the pregnany coverage has been found. b. The following is added to SECTION II -
the Coverage Form or any endorsement LIABILITY, C. Who Is An Insured, paragraph
3.b.:
7. Product Recall Expense "Product recall expense" arising out of any a. SECTION II - LIABILITY, B. Exclusions, 1. withdrawal or recall that occurred before you Applicable To Business Liability Coverage, acquired or formed the organization. 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 4 of 6 c. The following is added to SECTION || - of a deductible amount, you shall LIABILITY, D. Liability and Medical Expenses promptly reimburse us for the part of the Limits of Insurance: deductible amount we paid.
Product Recall Expense Limits of Insurance The Product Recall Expense Limits of a. The Limits of Insurance shown in the Insurance apply separately to each SUMMARY OF COVERAGES of this consecutive annual period and to any endorsement and the rules stated below remaining period of less than 12 months, fix the most that we will pay under this starting with the beginning of the policy Product Recall Expense period shown in the Declarations, unless the Coverage
regardless of the number of: policy period is extended after issuance for an additional period of less than 12 months
(1) Insureds; In that case, the additional period will be (2) "Covered Recalls" initiated; or deemed part of the last preceding period for the purposes of determining the Limits of
(3) Number of "your products" Insurance.
withdrawn.
d. The following is added to SECTION II -
b. The Product Recall Expense Aggregate LIABILITY, E. Liability and Medical Expense Limit is the most that we will reimburse
General Conditions, 2. Duties in the Event of
you for the sum of all "product recall Occurrence, Offense, Claim or Suit:
expenses" incurred all "covered
recalls" initiated during the policy period. You must see to it that the following are done in the event of an actual or anticipated
The Product Recall Each Occurrence "covered recall" that may result in "product Limit is will pay in recall expense":
any one defect or
deficiency. (1) Give us prompt notice of any discovery
d. All "product recall or notification that "your product" must be withdrawn or recalled. Include a
connection with substantially the same description of "your product" and the general harmful be reason for the withdrawal or recall; deemed to arise out of the same defect
or deficiency and considered one (2) Cease any further release, shipment, "occurrence". consignment or any other method of
e. Any amount reimbursed for "product distribution of like or similar products until it has been determined that all
wilt redice he amoun such products are free from defects that could be a cause of loss under this
of the Product Recall Expense Aggregate insurance.
Limit available for reimbursement
"product recall expenses" in connection e. For the purposs of this endorsement, the with any other defect or deficiency. following definitions are added to SECTION f. If the Product Recall Expense Aggregate I| - LIABILITY, F. Liability and Medical Expenses Definitions:
Limit has reduced by
been "product 1. "Covered recall" means a recall made
reimbursement recall
expenses" to an amount that is less than necessary because you or a government Product Recall Expense body has determined that a known or Occurrence Limit, defect. deficiency,
available for reimbursement of "product
recall expenses" in connection with any
other defect or deficiency. 2. "Product recall expenses)" means:
g. Product Recall Deductible
a. Necessary and reasonable expenses
We will only pay for the amount of
'product recall expenses" which are ir (1) Communications, including radio excess of the $500 Product Recal
Deductible. The Product Recall
Deductible applies separately to each
"covered recall". The limits of
"Vil not de reduced by the a mount of this
deductible.
le mav. or will if r
or will if required by law, pay a
or any
applicable. Upon notice of our payment
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OBF D681476 5701751
(2) Shipping the recalled products (1) If the "products - completed operations from any purchaser, distributor or hazard" is excluded from coverage under the place or places this Coverage Part including any
designated by you; endorsement thereto; or
(3) Remuneration paid to your (2) To "product recall expense" arising out of regular "employees" for any of "your products" that are otherwise necessary overtime; excluded from coverage under this
Coverage Part including endorsements
(4) Hiring additional persons, other
than your regular "employees"; thereto.
(5) Expenses incurred by "employees" 8. Unintentional Failure to Disclose Hazards including transportation The following is added to SECTION lI - accommodations; LIABILITY, E. Liability and Medical Expenses General Conditions:
(6) Expenses rent additional
warehouse or storage space; Representations
(7) Disposal of "your product", but We will not disclaim coverage under this only to the extent that specific Coverage Part if you fail to disclose all hazards methods of destruction other than existing as of the inception date of the policy those employed provided such failure is not intentional. discarding are 9. Unintentional Failure to Notify
required to avoid "bodily injury"
or "property damage" as a result The following is added to SECTION II - of such disposal, LIABILITY, E. Liability and Medical Expenses General Conditions 2. Duties in the Event of
you incur exclusively for the purpose Occurrence, Offense, Claim or Suit of recalling "your product"; and
Your rights afforded under this Coverage Part
b. Your lost profit resulting from such shall not be prejudiced if you fail to give us "covered recall". notice of an "occurrence", offense, claim or "suit" f. This Product Recall Expense Coverage does
not apply: or "personal and advertising injury, amage" "bodily injury", "property covered under this Policy.
ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 6 of 6