09/12/2024
Klein Agency, LLC
P.O. Box 219
Timonium MD 21094
Certificate Team
(410) 832-7600 (410) 832-1849
[email protected]
TDG Engineering Inc.
8484 Georgia Ave Ste 800
Silver Spring MD 20910
Sentinel Insurance Company 11000
Nutmeg Insurance Company 39608
The Hartford Insurance Co. of the Southeast 00914
Continental Casualty Company 20443
24-25 TDG
A
Contractual Liability
30SBWVL4087 01/01/2024 01/01/2025
2,000,000
1,000,000
10,000
2,000,000
4,000,000
4,000,000
B 30UEGBC3044 01/01/2024 01/01/2025
1,000,000
A
10,000
30SBWVL4087 Follows Form 01/01/2024 01/01/2025
5,000,000
5,000,000
C N 30WEGAP5J4L 01/01/2024 01/01/2025
1,000,000
1,000,000
1,000,000
D
Professional Liability (Claims Made)
MCH591868957 01/01/2024 01/01/2025
Each Claim $2,000,000
Aggregate $4,000,000
Project Name: Redondo Union High Access Study & Design. Toole Design Project #: 02LAX.00343. Endorsements SS00080405, HA99161221 and WC000313 are attached. If required by an insured written contract, executed prior to any loss, City of Redondo Beach, its officers, elected and appointed officials, employees, and volunteers are an Additional Insured on a primary and non-contributory basis under the General and Auto Liability Policies. If required by an insured written contract, executed prior to any loss, Waiver of Subrogation is provided for General, Auto, and Workers Compensation Policies. Excess Policy follows form over General, Auto, and Employer's Liability Policies. 30 day notice of cancellation, 10 day for non-payment.
City of Redondo Beach
415 Diamond Street
Engineering Services Div.
Redondo Beach CA 90277
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS.
INSURER(S) AFFORDING COVERAGE
INSURER F :
INSURER E :
INSURER D :
INSURER C :
INSURER B :
INSURER A :
NAIC #
NAME:
CONTACT
(A/C, No):
FAX
E-MAIL
ADDRESS:
PRODUCER
(A/C, No, Ext):
PHONE
INSURED
COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed.
If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.
OTHER:
(Per accident)
(Ea accident)
$
$
N / A
SUBR
WVD
ADDL
INSD
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. $
$
$
$
PROPERTY DAMAGE
BODILY INJURY (Per accident)
BODILY INJURY (Per person)
COMBINED SINGLE LIMIT
AUTOS ONLY
AUTOS ONLY AUTOS
NON-OWNED
OWNED SCHEDULED
ANY AUTO
AUTOMOBILE LIABILITY
Y / N
WORKERS COMPENSATION
AND EMPLOYERS' LIABILITY
OFFICER/MEMBER EXCLUDED?
(Mandatory in NH)
DESCRIPTION OF OPERATIONS below
If yes, describe under
ANY PROPRIETOR/PARTNER/EXECUTIVE
$
$
$
E.L. DISEASE - POLICY LIMIT
E.L. DISEASE - EA EMPLOYEE
E.L. EACH ACCIDENT
ER
OTHSTATUTEPER
(MM/DD/YYYY) LIMITS
POLICY EXP
(MM/DD/YYYY)
POLICY EFF
LTR TYPE OF INSURANCE POLICY NUMBER
INSR
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
EXCESS LIAB
UMBRELLA LIAB EACH OCCURRENCE $
AGGREGATE $
$
OCCUR
CLAIMS-MADE
DED RETENTION $
PRODUCTS - COMP/OP AGG $
GENERAL AGGREGATE $
PERSONAL & ADV INJURY $
MED EXP (Any one person) $
EACH OCCURRENCE $
DAMAGE TO RENTED
PREMISES (Ea occurrence) $
COMMERCIAL GENERAL LIABILITY
CLAIMS-MADE OCCUR
GEN'L AGGREGATE LIMIT APPLIES PER:
POLICY
PROJECT LOC
CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY)
CANCELLATION
AUTHORIZED REPRESENTATIVE
ACORD 25 (2016/03)
© 1988-2015 ACORD CORPORATION. All rights reserved.
CERTIFICATE HOLDER
The ACORD name and logo are registered marks of ACORD
HIRED
AUTOS ONLY
BUSINESS LIABILITY COVERAGE FORM
(b) Rented to, in the care, custody or b. Coverage under this provision does not control of, or over which physical apply to:
control is being exercised for any (1) "Bodily injury" or "property damage" purpose by you, any of your that occurred; or
"employees", "volunteer workers", (2) "Personal and advertising injury" any partner or member (if you are arising out of an offense committed a partnership or joint venture), or any member (if you are a limited before you acquired or formed the liability company). organization.
b. Real Estate Manager 4. Operator Of Mobile Equipment
Any person (other than your "employee" or With respect to "mobile equipment" registered in "volunteer worker"), or any organization your name under any motor vehicle registration while acting as your real estate manager. law, any person is an insured while driving such equipment along a public highway with your c. Temporary Custodians Of Your permission. Any other person or organization Property
responsible for the conduct of such person is
Any person or organization having proper also an insured, but only with respect to liability temporary custody of your property if you arising out of the operation of the equipment, and die, but only: only if no other insurance of any kind is available (1) With respect to liability arising out of the to that person or organization for this liability. maintenance or use of that property; and However, no person or organization is an insured with respect to: (2) Until your legal representative has been appointed. a. "Bodily injury" to a co-"employee" of the d person driving the equipment; or. Legal Representative If You Die Your b. "Property damage" to property owned by, legal representative if you die, but rented to, in the charge of or occupied by only with respect to duties as such. That you or the employer of any person who is representative will have all your rights and an insured under this provision. duties under this insurance.
5. Operator of Nonowned Watercraft e. Unnamed Subsidiary Any With respect to watercraft you do not own that subsidiary and subsidiary thereof, of is less than 51 feet long and is not being used yours which is a legally incorporated entity to carry persons for a charge, any person is an of which you own a financial interest of m insured while operating such watercraft with ore than 50% of the voting stock on the your permission. Any other person or effective date of this Coverage Part. organization responsible for the conduct of The insurance afforded herein for any such person is also an insured, but only with subsidiary not shown in the Declarations respect to liability arising out of the operation as a named insured does not apply to of the watercraft, and only if no other injury or damage with respect to which an insurance of any kind is available to that insured under this insurance is also an person or organization for this liability. insured under another policy or would be However, no person or organization is an an insured under such policy but for its insured with respect to: termination or upon the exhaustion of its limits of insurance. a. "Bodily injury" to a co-"employee" of the person operating the watercraft; or 3. Newly Acquired Or Formed Organization Any b. "Property damage" to property owned by, organization you newly acquire or form, rented to, in the charge of or occupied by other than a partnership, joint venture or you or the employer of any person who is limited liability company, and over which you m an insured under this provision. aintain financial interest of more than 50% of the voting stock, will qualify as a Named 6. Additional Insureds When Required By Insured if there is no other similar insurance Written Contract, Written Agreement Or available to that organization. However: Permit
a. Coverage under this provision is afforded The person(s) or organization(s) identified in only until the 180th day after you acquire Paragraphs a. through f. below are additional or form the organization or the end of the insureds when you have agreed, in a written policy period, whichever is earlier; and
Form SS 00 08 04 05 Page 11 of 24
BUSINESS LIABILITY COVERAGE FORM
contract, written agreement or because of a (e) Any failure to make such permit issued by a state or political inspections, adjustments, tests or subdivision, that such person or organization servicing as the vendor has be added as an additional insured on your agreed to make or normally policy, provided the injury or damage occurs undertakes to make in the usual subsequent to the execution of the contract or course of business, in connection agreement, or the issuance of the permit. with the distribution or sale of the products; A person or organization is an additional
(f) Demonstration, installation, insured under this provision only for that servicing or repair operations, period of time required by the contract, except such operations performed agreement or permit. at the vendor's premises in However, no such person or organization is an connection with the sale of the additional insured under this provision if such product; person or organization is included as an
(g) Products which, after distribution additional insured by an endorsement issued or sale by you, have been labeled by us and made a part of this Coverage Part, or relabeled or used as a including all persons or organizations added container, part or ingredient of any as additional insureds under the specific other thing or substance by or for additional insured coverage grants in Section the vendor; or F. – Optional Additional Insured Coverages. (h) "Bodily injury" or "property a. Vendors
damage" arising out of the sole Any person(s) or organization(s) (referred to negligence of the vendor for its below as vendor), but only with respect to own acts or omissions or those of "bodily injury" or "property damage" arising its employees or anyone else
out of "your products" which are distributed
acting on its behalf. However, this
or sold in the regular course of the vendor's exclusion does not apply to: business and only if this Coverage Part (i) The exceptions contained in provides coverage for "bodily injury" or Subparagraphs (d) or (f); or "property damage" included within the "products-completed operations hazard". (ii) Such inspections, adjustments, tests or servicing as the vendor
(1) The insurance afforded to the vendor
has agreed to make or normally is subject to the following additional undertakes to make in the usual exclusions:
course of business, in
This insurance does not apply to: connection with the distribution (a) "Bodily injury" or "property or sale of the products. damage" for which the vendor is (2) This insurance does not apply to any obligated to pay damages by insured person or organization from reason of the assumption of whom you have acquired such products, liability in a contract or agreement. or any ingredient, part or container, This exclusion does not apply to entering into, accompanying or liability for damages that the containing such products. vendor would have in the absence
b. Lessors Of Equipment of the contract or agreement;
(b) Any express warranty (1) Any person or organization from whom you lease equipment; but only unauthorized by you; with respect to their liability for "bodily (c) Any physical or chemical change injury", "property damage" or in the product made intentionally "personal and advertising injury" by the vendor; caused, in whole or in part, by your (d) Repackaging, except when maintenance, operation or use of unpacked solely for the purpose of equipment leased to you by such inspection, demonstration, testing, person or organization. or the substitution of parts under
instructions from the manufacturer, and then repackaged in the original container;
BUSINESS LIABILITY COVERAGE FORM
(2) With respect to the insurance afforded e. Permits Issued By State Or Political to these additional insureds, this Subdivisions
insurance does not apply to any (1) Any state or political subdivision, but "occurrence" which takes place after only with respect to operations you cease to lease that equipment. performed by you or on your behalf for c. Lessors Of Land Or Premises which the state or political subdivision has issued a permit. (1) Any person or organization from whom you lease land or premises, but (2) With respect to the insurance afforded only with respect to liability arising out to these additional insureds, this of the ownership, maintenance or use insurance does not apply to:
of that part of the land or premises (a) "Bodily injury", "property damage" leased to you. or "personal and advertising
(2) With respect to the insurance afforded injury" arising out of operations to these additional insureds, this performed for the state or insurance does not apply to: municipality; or
(a) Any "occurrence" which takes (b) "Bodily injury" or "property damage" place after you cease to lease that included within the "productsland or be a tenant in that completed operations hazard". premises; or f. Any Other Party (b) Structural alterations, new (1) Any other person or organization who construction or demolition is not an insured under Paragraphs a. operations performed by or on through e. above, but only with behalf of such person or respect to liability for "bodily injury", organization. "property damage" or "personal and d. Architects, Engineers Or Surveyors advertising injury" caused, in whole or in part, by your acts or omissions or (1) Any architect, engineer, or surveyor, but the acts or omissions of those acting only with respect to liability for "bodily on your behalf:
injury", "property damage" or "personal
and advertising injury" caused, in whole (a) In the performance of your or in part, by your acts or omissions or ongoing operations; the acts or omissions of those acting on (b) In connection with your premises your behalf: owned by or rented to you; or
(a) In connection with your premises; (c) In connection with "your work" and or included within the "products-
(b) In the performance of your completed operations hazard", but ongoing operations performed by only if
you or on your behalf. (i) The written contract or written (2) With respect to the insurance afforded agreement requires you to to these additional insureds, the provide such coverage to following additional exclusion applies: such additional insured; and This insurance does not apply to (ii) This Coverage Part provides "bodily injury", "property damage" or coverage for "bodily injury" or "personal and advertising injury" "property damage" included arising out of the rendering of or the within the "productsfailure to render any professional completed operations hazard". services by or for you, including: (2) With respect to the insurance afforded (a) The preparing, approving, or to these additional insureds, this failure to prepare or approve, insurance does not apply to:
maps, shop drawings, opinions, "Bodily injury", "property damage" or reports, surveys, field orders, "personal and advertising injury" change orders, designs or arising out of the rendering of, or the drawings and specifications; or failure to render, any professional (b) Supervisory, inspection, architectural, engineering or surveying architectural or engineering services, including:
activities.
Form SS 00 08 04 05 Page 13 of 24
BUSINESS LIABILITY COVERAGE FORM
(a) The preparing, approving, or This General Aggregate limit does not failure to prepare or approve, apply to "property damage" to premises maps, shop drawings, opinions, while rented to you or temporarily reports, surveys, field orders, occupied by you with permission of the change orders, designs or owner, arising out of fire, lightning or drawings and specifications; or explosion.
(b) Supervisory, inspection, 3. Each Occurrence Limit
architectural or engineering Subject to 2.a. or 2.b above, whichever activities. applies, the most we will pay for the sum of all The limits of insurance that apply to additional damages because of all "bodily injury", insureds are described in Section D. – Limits "property damage" and medical expenses Of Insurance. arising out of any one "occurrence" is the How Liability and Medical Expenses Limit shown in this insurance applies when other the Declarations.
insurance is available to an additional insured
is described in the Other Insurance Condition The most we will pay for all medical expenses in Section E. – Liability And Medical Expenses because of "bodily injury" sustained by any General Conditions. one person is the Medical Expenses Limit No shown in the Declarations. person or organization is an insured with respect to the conduct of any current or past 4. Personal And Advertising Injury Limit partnership, joint venture or limited liability Subject to 2.b. above, the most we will pay for company that is not shown as a Named Insured in the sum of all damages because of all the Declarations. "personal and advertising injury" sustained by D. L any one person or organization is the Personal IABILITY AND MEDICAL EXPENSES and Advertising Injury Limit shown in the LIMITS OF INSURANCE Declarations. 1. The Most We Will Pay
5. Damage To Premises Rented To You Limit
The Limits of Insurance shown in the The Damage To Premises Rented To You Declarations and the rules below fix the most Limit is the most we will pay under Business we will pay regardless of the number of:
Liability Coverage for damages because of
a. Insureds; "property damage" to any one premises, while b. Claims made or "suits" brought; or rented to you, or in the case of damage by fire, c. Persons lightning or explosion, while rented to you or or organizations making claims or bringing "suits". temporarily occupied by you with permission of the owner. 2. Aggregate Limits
In the case of damage by fire, lightning or The most we will pay for:
explosion, the Damage to Premises Rented To
a. Damages because of "bodily injury" and You Limit applies to all damage proximately "property damage" included in the caused by the same event, whether such "products-completed operations hazard" is damage results from fire, lightning or explosion the Products-Completed Operations or any combination of these.
Aggregate Limit shown in the 6. How Limits Apply To Additional Insureds Declarations. The most we will pay on behalf of a person or b. Damages because of all other "bodily organization who is an additional insured injury", "property damage" or "personal under this Coverage Part is the lesser of: and advertising injury", including medical expenses a. The limits of insurance specified in a , is the General Aggregate Limit shown written contract, written agreement or in the Declarations. permit issued by a state or political This General Aggregate Limit applies subdivision; or separately to each of your "locations"
owned by or b. The Limits of Insurance shown in the rented to you.
Declarations. "Location" means premises involving the
same or connect Such amount shall be a part of and not in ing lots, or premises whose connect addition to the Limits of Insurance shown in ion is interrupted only by a s the Declarations and described in this Section. treet, roadway or right-of-way of a railroad.
BUSINESS LIABILITY COVERAGE FORM
If more than one limit of insurance under this (1) Immediately send us copies of any policy and any endorsements attached thereto demands, notices, summonses or applies to any claim or "suit", the most we will pay legal papers received in connection under this policy and the endorsements is the with the claim or "suit"; single highest limit of liability of all coverages (2) Authorize us to obtain records and applicable to such claim or "suit". However, this other information; paragraph does not apply to the Medical Expenses (3) Cooperate with us in the investigation, limit set forth in Paragraph 3. above. settlement of the claim or defense
The Limits of Insurance of this Coverage Part apply against the "suit"; and separately to each consecutive annual period and to
(4) Assist us, upon our request, in the
any remaining period of less than 12 months, starting
enforcement of any right against any with the beginning of the policy period shown in the person or organization that may be Declarations, unless the policy period is extended liable to the insured because of injury after issuance for an additional period of less than 12 or damage to which this insurance
months. In that case, the additional period will be may also apply. deemed part of the last preceding period for purposes d. Obligations At The Insured's Own Cost of determining the Limits of Insurance. No insured will, except at that insured's own E. LIABILITY AND MEDICAL EXPENSES cost, voluntarily make a payment, assume GENERAL CONDITIONS any obligation, or incur any expense, other
1. Bankruptcy than for first aid, without our consent. Bankruptcy or insolvency of the insured or of e. Additional Insured's Other Insurance the insured's estate will not relieve us of our If we cover a claim or "suit" under this obligations under this Coverage Part. Coverage Part that may also be covered
2. Duties In The Event Of Occurrence, by other insurance available to an Offense, Claim Or Suit additional insured, such additional insured must submit such claim or "suit" to the a. Notice Of Occurrence Or Offense other insurer for defense and indemnity. You or any additional insured must see to However, this provision does not apply to it that we are notified as soon as the extent that you have agreed in a practicable of an "occurrence" or an written contract, written agreement or offense which may result in a claim. To permit that this insurance is primary and the extent possible, notice should include: non-contributory with the additional (1) How, when and where the "occurrence"
insured's own insurance.
or offense took place; f. Knowledge Of An Occurrence, Offense, (2) The names and addresses of any Claim Or Suit injured persons and witnesses; and Paragraphs a. and b. apply to you or to (3) The nature and location of any injury any additional insured only when such or damage arising out of the "occurrence", offense, claim or "suit" is "occurrence" or offense. known to:
b. Notice Of Claim (1) You or any additional insured that is If a claim is made or "suit" is brought an individual;
against any insured, you or any additional (2) Any partner, if you or an additional insured must: insured is a partnership;
(1) Immediately record the specifics of the (3) Any manager, if you or an additional claim or "suit" and the date received; insured is a limited liability company; and (4) Any "executive officer" or insurance (2) Notify us as soon as practicable. manager, if you or an additional You or any additional insured must see to insured is a corporation; it that we receive a written notice of the (5) Any trustee, if you or an additional claim or "suit" as soon as practicable. insured is a trust; or c. Assistance And Cooperation Of The (6) Any elected or appointed official, if you Insured or an additional insured is a political
You and any other involved insured must: subdivision or public entity.
Form SS 00 08 04 05 Page 15 of 24
BUSINESS LIABILITY COVERAGE FORM
(6) When You Are Added As An When this insurance is excess over other Additional Insured To Other insurance, we will pay only our share of Insurance the amount of the loss, if any, that
exceeds the sum of: That is other insurance available to you covering liability for damages (1) The total amount that all such other arising out of the premises or insurance would pay for the loss in the operations, or products and completed absence of this insurance; and operations, for which you have been (2) The total of all deductible and self- added as an additional insured by that insured amounts under all that other insurance; or insurance.
(7) When You Add Others As An We will share the remaining loss, if any, with Additional Insured To This any other insurance that is not described in Insurance this Excess Insurance provision and was not
That is other insurance available to an bought specifically to apply in excess of the additional insured. Limits of Insurance shown in the
How Declarations of this Coverage Part. ever, the following provisions apply to other insurance available to c. Method Of Sharing any person or organization who is an If all the other insurance permits additional insured under this Coverage contribution by equal shares, we will follow Part:
this method also. Under this approach,
(a) Primary Insurance When each insurer contributes equal amounts Required By Contract until it has paid its applicable limit of insurance or none of the loss remains, This insurance is primary if you whichever comes first. have agreed in a written contract, written agreement or permit that If any of the other insurance does not permit this insurance be primary. If other contribution by equal shares, we will insurance is also primary, we will contribute by limits. Under this method, each share with all that other insurance insurer’s share is based on the ratio of its by the method described in c. applicable limit of insurance to the total below. applicable limits of insurance of all insurers.
(b) Primary And Non-Contributory 8. Transfer Of Rights Of Recovery Against To Other Insurance When Others To Us
Required By Contract a. Transfer Of Rights Of Recovery
If you have agreed in a written If the insured has rights to recover all or contract, written agreement or part of any payment, including permit that this insurance is Supplementary Payments, we have made primary and non-contributory with under this Coverage Part, those rights are the additional insured's own transferred to us. The insured must do insurance, this insurance is nothing after loss to impair them. At our primary and we will not seek request, the insured will bring "suit" or contribution from that other transfer those rights to us and help us insurance. enforce them. This condition does not
Paragraphs (a) and (b) do not apply to apply to Medical Expenses Coverage. other insurance to which the additional b. Waiver Of Rights Of Recovery (Waiver insured has been added as an Of Subrogation) additional insured.
If the insured has waived any rights of
When this insurance is excess, we will recovery against any person or have no duty under this Coverage Part to organization for all or part of any payment, defend the insured against any "suit" if any including Supplementary Payments, we other insurer has a duty to defend the have made under this Coverage Part, we insured against that "suit". If no other also waive that right, provided the insured insurer defends, we will undertake to do waived their rights of recovery against so, but we will be entitled to the insured's such person or organization in a contract, rights against all those other insurers. agreement or permit that was executed prior to the injury or damage.
Form SS 00 08 04 05 Page 17 of 24
COMMERCIALAUTOMOBILEBROADFORM
ENDORSEMENT
Thisendorsementmodifiesinsuranceprovidedunderthefollowing BUSINESSAUTOCOVERAGEFORM
To theextent that theprovisionsof thisendorsementprovidebroaderbenefits to the insured thanother provisionsoftheCoverageFormtheprovisionsofthisendorsementapply COMMERCIALAUTOMOBILE
HA
THISENDORSEMENTCHANGESTHEPOLICYPLEASEREADITCAREFULLY BROADFORMINSURED
Paragraph WHO IS AN INSURED of
Section II LiabilityCoverage isamended to
addthefollowing
d Subsidiaries and Newly Acquired or
FormedOrganizations
TheNamedInsuredshownintheDeclarations
isamendedtoinclude
Any legal business entity other than a
partnershipor jointventure formedasa
subsidiary in which you have an
ownership interestofmore than
on
theeffectivedateoftheCoverageForm
However theNamed Insured does not
includeanysubsidiarythatisaninsured
under any other automobile policy or
wouldbeaninsuredundersuchapolicy
butforitsterminationortheexhaustionof
itsLimitofInsurance
Any organization that is acquired or
formed by you and over which you
maintain majority ownership However
theNamedInsureddoesnot includeany
newlyformedoracquiredorganization
a Thatisapartnershiporjointventure
b That isaninsuredunderanyother
policy
c That has exhausted its Limit of
Insuranceunderanyotherpolicyor
d
daysormoreafteritsacquisition
orformationbyyouunlessyouhave
givenusnoticeof theacquisitionor
formation
Coveragedoesnotapplytobodilyinjury
orpropertydamagethatresultsfroman
accident that occurred before you
formedoracquiredtheorganization
e EmployeesasInsureds
Any employee of yourswhile using a
covered auto you dont own hire or
borrowinyourbusinessoryourpersonal
affairs
f LessorsasInsureds
The lessorofacoveredautowhilethe
auto is leased to you underawritten
agreementif
a The agreement requires you to
provide directprimary insurance for
thelessorand
b Theautoisleasedwithoutadriver
Such a leased autowill be considered a
covered autoyouownandnotacovered
autoyouhire
g AdditionalInsuredifRequiredbyContract
When you have agreed in a written
contract or written agreement that a
person ororganizationbe addedas an
additional insuredonyourbusinessauto
policysuchpersonororganization isan
insured but only to the extent such
personororganizationisliableforbodily
injury or property damage caused by
the conduct of an insured under
paragraphsaorbofWhoIsAnInsured
with regard to the ownership
maintenanceoruseofacoveredauto
The insurance afforded to any such
additional insured applies only if the
bodily injury or property damage
occurs
a Duringthepolicyperiodand
b Subsequentto theexecutionofsuch
writtencontractand
FormHA Pageof
TheHartford
IncludescopyrightedmaterialofInsuranceServicesOfficeIncwithitspermission c Priortotheexpirationoftheperiodof
timethatthewrittencontractrequires
such insurance be provided to the
additionalinsured
HowLimitsApply
Ifyouhaveagreedinawrittencontractor
writtenagreementthatanotherpersonor
organization be added as an additional
insuredonyourpolicy themostwewill
payonbehalfofsuchadditionalinsuredis
thelesserof
aThelimitsofinsurancespecifiedinthe
writtencontractorwrittenagreement
or
b TheLimitsofInsuranceshowninthe
Declarations
Suchamountshallbeapartofandnotin
addition toLimitsof Insuranceshown in
the Declarations and described in this
Section
AdditionalInsuredsOtherInsurance
Ifwecoveraclaimor
suit
under this
CoveragePartthatmayalsobecovered
by other insurance available to an
additionalinsuredsuchadditionalinsured
mustsubmit such claimor
suit
to the
otherinsurerfordefenseandindemnity
Howeverthisprovisiondoesnotapplyto
the extent that you have agreed in a
writtencontractorwrittenagreementthat
this insurance is primary and
non
contributory with the additional
insured
sowninsurance
Duties inTheEventOfAccidentClaim
SuitorLoss
Ifyouhaveagreedinawrittencontractor
writtenagreementthatanotherpersonor
organization be added as an additional
insured on your policy the additional
insuredshallbe required tocomplywith
theprovisionsinLOSSCONDITIONS
DUTIESINTHEEVENTOFACCIDENT
CLAIMSUITORLOSSOFSECTION
IVBUSINESSAUTOCONDITIONSin
thesamemannerastheNamedInsured
PrimaryandNonContributory ifRequired
byContract
Onlywithrespecttoinsuranceprovidedtoan
additional insured in Ag
Additional
InsuredIfRequiredbyContractthefollowing
provisionsapply
Primary Insurance When Required By
Contract
This insurance is primary if you have
agreed in a written contract or written
agreementthatthisinsurancebeprimary
Ifotherinsuranceisalsoprimarywewill
sharewithallthatotherinsurancebythe
methoddescribedinOtherInsuranced
PrimaryAndNon
ContributoryToOther
InsuranceWhenRequiredByContract
Ifyouhaveagreedinawrittencontractor
writtenagreement that this insurance is
primary and non
contributory with the
additional insured
s own insurance this
insuranceisprimaryandwewillnotseek
contributionfromthatotherinsurance
Paragraphsanddonotapplytoother
insurancetowhichtheadditionalinsuredhas
beenaddedasanadditionalinsured
Whenthis insurance isexcesswewillhave
no duty to defend the insured against any
suit
ifanyotherinsurerhasadutytodefend
the insured against that
suit
If no other
insurerdefendswewillundertake todoso
butwewillbeentitled to the insured
srights
againstallthoseotherinsurers
When this insurance is excess over other
insurancewewillpayonlyourshareof the
amountof the loss ifany thatexceeds the
sumof
The total amount that all such other
insurancewouldpay for the loss in the
absenceofthisinsuranceand
Thetotalofalldeductibleandself
insured
amountsunderallthatotherinsurance
Wewillshare the remaining loss ifanyby
the method described in SECTION IV
Business Auto Conditions B General
ConditionsOtherInsuranced
AUTOSRENTEDBYEMPLOYEES
Any
auto
hiredorrentedbyyour
employee
on
your behalf and at your direction will be
consideredan
auto
youhire
TheSECTION IV
BusinessAutoConditionsB
General Conditions OTHER INSURANCE
Conditionisamendedbyaddingthefollowing
e If an
employees
personal insurance also
applies on an excess basis to a covered
auto
hiredorrentedbyyour
employee
on
your behalf and at your direction this
insurancewillbeprimarytothe
employees
personalinsurance
Pageof FormHA
AMENDEDFELLOWEMPLOYEEEXCLUSION
EXCLUSION FELLOW EMPLOYEE of
SECTION II LIABILITYCOVERAGEdoesnot
apply if you have workers compensation
insurance inforce covering all of your
employees
Coverage is excess over any other collectible
insurance
HIREDAUTOPHYSICALDAMAGECOVERAGE
Ifhired autosarecovered autos forLiability
Coverage and if Comprehensive Specified
Causes of Loss or Collision coverages are
providedunderthisCoverageFormforanyauto
youown then thePhysicalDamageCoverages
provided are extended to autos you hire or
borrowsubjecttothefollowinglimit
Themostwewillpayforlosstoanyhiredauto
is
The actual cash value of the damaged or
stolenpropertyatthetimeofthelossor
The cost of repairing or replacing the
damagedorstolenproperty
whichever issmallestminusadeductible The
deductiblewillbeequal to the largestdeductible
applicabletoanyownedautoforthatcoverage
Nodeductibleappliestolosscausedbyfireor
lightningHiredAutoPhysicalDamagecoverage
is excess over any other collectible insurance
Subjecttotheabovelimitdeductibleandexcess
provisionswewillprovidecoverageequaltothe
broadest coverage applicable to any covered
autoyouown
Wewillalsocoverlossofuseofthehiredautoif
itresultsfromanaccidentyouarelegallyliable
and the lessor incurs an actual financial loss
subjecttoamaximumof
peraccident
Thisextensionofcoveragedoesnotapplytoany
auto you hire or borrow from any of your
employeespartners
ifyouareapartnership
members
ifyouarea limited liabilitycompany
ormembersoftheirhouseholds
PHYSICAL DAMAGE ADDITIONAL
TEMPORARY TRANSPORTATION EXPENSE
COVERAGE
ParagraphAa ofSECTION III PHYSICAL
DAMAGECOVERAGE isamended toprovidea
limit of
per day and a maximum limit of
LOANLEASEGAPCOVERAGE
Under SECTION III PHYSICAL DAMAGE
COVERAGE in theeventofa total loss toa
coveredautowewillpayyouradditionallegal
obligation foranydifferencebetween theactual
cashvalueoftheautoatthetimeoftheloss
andtheoutstandingbalanceoftheloanlease
Outstanding balance means the amount you
oweon the loanleaseat the timeof loss less
any amounts representing taxes overdue
paymentspenaltiesinterestorchargesresulting
from overdue payments additional mileage
charges excesswear and tear charges lease
terminationfeessecuritydepositsnotreturnedby
the lessorcosts forextendedwarrantiescredit
life Insurance health accident or disability
insurancepurchasedwiththe loanor leaseand
carryover balances from previous loans or
leases
AIRBAGCOVERAGE
UnderParagraphBEXCLUSIONSofSECTION
III PHYSICAL DAMAGE COVERAGE the
followingisadded
Theexclusionrelating tomechanicalbreakdown
doesnotapplyto theaccidentaldischargeofan
airbag
ELECTRONIC EQUIPMENT BROADENED
COVERAGE
a The exceptions to Paragraphs B
EXCLUSIONSofSECTION IIIPHYSICAL
DAMAGECOVERAGE are replaced by the
following
Exclusions c and d do not apply to
equipmentdesigned tobeoperatedsolelyby
useof thepower from the autoselectrical
systemthatatthetimeoflossis
Permanently installed in or upon the
coveredauto
Removable fromahousingunitwhich is
permanently installed in or upon the
coveredauto
An integralpartof thesameunithousing
any electronic equipment described in
Paragraphs
and
aboveor
Necessaryforthenormaloperationofthe
covered auto or the monitoring of the
coveredautosoperatingsystem
b SectionIIIPhysicalDamageCoverageLimit
of InsuranceParagraphC isamended to
addthefollowing
is themostwewillpay for loss in
anyoneaccidenttoallelectronicequipment
otherthanequipmentdesignedsolelyforthe
reproductionofsoundandaccessoriesused
with such equipment
that reproduces
receives or transmits audio visual or data
signalswhichatthetimeoflossis
FormHA
Page
of
Permanently installed in or upon the
covered auto inahousingopeningor
otherlocationthatisnotnormallyusedby
theautomanufacturerfortheinstallation
ofsuchequipment
Removable fromapermanently installed
housing unit as described inParagraph
a aboveor isan integralpartof that
equipmentor
Anintegralpartofsuchequipment
c For each covered auto should loss be
limited to electronic equipment only our
obligationtopayforrepairreturnorreplace
damagedorstolenelectronicequipmentwill
be reduced by the applicable deductible
shownintheDeclarationsor
whichever
deductibleisless
EXTRAEXPENSEBROADENEDCOVERAGE
UnderParagraphA COVERAGEofSECTION
III PHYSICALDAMAGECOVERAGEwewill
payfortheexpenseofreturningastolencovered
autotoyou
GLASSREPAIRWAIVEROFDEDUCTIBLE
Under Paragraph D DEDUCTIBLE of
SECTIONIIIPHYSICALDAMAGECOVERAGE
thefollowingisadded
Nodeductibleappliestoglassdamageiftheglass
isrepairedratherthanreplaced
TWOORMOREDEDUCTIBLES
Under Paragraph D DEDUCTIBLE of
SECTIONIIIPHYSICALDAMAGECOVERAGE
thefollowingisadded
IfanotherHartfordFinancialServicesGroupInc
companypolicyorcoverage form that isnotan
automobilepolicyorcoverageformappliestothe
sameaccidentthefollowingapplies
If the deductible under this Business Auto
CoverageForm is thesmaller or smallest
deductibleitwillbewaived
If the deductible under this Business Auto
Coverage Form is not the smaller or
smallestdeductibleitwillbereducedbythe
amount of the smaller or smallest
deductible
AMENDED DUTIES IN THE EVENT OF
ACCIDENTCLAIMSUITORLOSS
The requirement in LOSSCONDITIONS a
DUTIESINTHEEVENTOFACCIDENTCLAIM
SUITORLOSS ofSECTION IV BUSINESS
AUTOCONDITIONSthatyoumustnotifyusofan
accident applies only when the accident is
knownto
Youifyouareanindividual
Apartnerifyouareapartnership
A member if you are a limited liability
companyor
Anexecutiveofficerorinsurancemanagerif
youareacorporation
UNINTENTIONAL FAILURE TO DISCLOSE
HAZARDS
Ifyouunintentionallyfailtodiscloseanyhazards
existingat the inceptiondateofyourpolicywe
willnotdenycoverageunderthisCoverageForm
becauseofsuchfailure
HIREDAUTOCOVERAGETERRITORY
SECTION IVBUSINESSAUTOCONDITIONS
PARAGRAPHB GENERALCONDITIONS
POLICYPERIODCOVERAGETERRITORYis
addedtoincludethefollowing
For shortterm hired autos the coverage
territorywithrespect toLiabilityCoverage is
anywhere in theworld provided that if the
insuredsresponsibility topaydamages for
bodily injury or property damage is
determinedinasuitthesuitisbroughtin
theUnitedStatesofAmerica the territories
and possessions of the United States of
America Puerto Rico or Canada or in a
settlementweagreeto
WAIVEROFSUBROGATION
Paragraph
TRANSFER OF RIGHTS OF
RECOVERY AGAINSTOTHERS TO US of
SECTION IV BUSINESSAUTOCONDITIONS
A LossConditions is amended by adding the
following
Wewaiveany rightof recoverywe may have
againstanypersonororganizationwithwhomyou
haveawrittencontractthatrequiressuchwaiver
because of payments we make for damages
underthisCoverageForm
RESULTANTMENTALANGUISHCOVERAGE
Thedefinitionof bodily injury inSECTIONV
DEFINITIONSC isreplacedbythefollowing
Bodily injury means bodily injury sickness or
disease sustained by any person including
mental anguish or death resulting from any of
these
EXTENDEDCANCELLATIONCONDITION
Paragraph of the COMMON POLICY
CONDITIONSCANCELLATIONappliesexcept
asfollows
If we cancel for any reason other than
nonpaymentofpremiumwewillmailordeliverto
the first Named Insured written notice of
cancellationatleast
daysbeforetheeffective
dateofcancellation
Page of
FormHA
HYBRID ELECTRIC OR NATURAL GAS
VEHICLEPAYMENTCOVERAGE
Intheeventofatotallosstoanonhybridauto
forwhichComprehensiveSpecifiedCauses of
LossorCollisioncoveragesareprovidedunder
thisCoverageFormthensuchPhysicalDamage
Coveragesareamendedasfollows
a Iftheautoisreplacedwithahybridautoor
an auto powered solely by electricity or
naturalgaswewillpayanadditional
to
a maximum of
of the nonhybrid
autosactualcashvalueorreplacementcost
whicheverisless
b Theautomustbereplacedandacopyofa
billofsaleornew leaseagreementreceived
byuswithin calendardaysof thedateof
loss
c Regardlessofthenumberofautosdeemeda
total loss the mostwewill pay under this
Hybrid Electric or Natural Gas Vehicle
Payment Coverage provision for any one
lossis
Forthepurposesofthecoverageprovision
a Anonhybridautoisdefinedasanautothat
usesonly an internal combustion engine to
move the auto but does not include autos
poweredsolelybyelectricityornaturalgas
b Ahybridautoisdefinedasanautowithan
internalcombustionengineandoneormore
electric motors and that uses the internal
combustionengineandoneormoreelectric
motors to move the auto or the internal
combustion engine to charge one or more
electricmotorswhichmovetheauto
VEHICLEWRAPCOVERAGE
Intheeventofatotallosstoanautoforwhich
Comprehensive Specified Causes of Loss or
Collision coverages are provided under this
Coverage Form then such Physical Damage
Coveragesareamendedtoaddthefollowing
Inadditiontotheactualcashvalueoftheauto
wewillpayup to
forvinylvehiclewraps
whicharedisplayedonthecoveredautoatthe
timeof total lossRegardlessof thenumberof
autosdeemeda total lossthemostwewillpay
under thisVehicleWrapCoverageprovision for
anyone loss is
For purposes of this
coverage provision signs or other graphics
paintedormagneticallyaffixedtothevehicleare
notconsideredvehiclewraps
FormHA Page of
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
Countersigned by
Authorized Representative
Form WC 00 03 13 Printed in U.S.A.
Process Date: 11/18/23 Policy Expiration Date: 01/01/25
WAIVER OF OUR RIGHT TO RECOVER
FROM OTHERS ENDORSEMENT
Policy Number: 30 WEG AP5J4L Endorsement Number:
Effective Date: 01/01/24 Effective hour is the same as stated on the Information Page of the policy.
Named Insured and Address: Toole Design Group, LLC
8484 GEORGIA AVE STE 800
SILVER SPRING MD 20910
We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule.
This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule.
SCHEDULE
Any person or organization for whom you are required by contract or agreement to obtain this waiver from us.
Endorsement is not applicable in KY, NH, NJ or for any MO construction risk