1 FIRST AMENDMENT TO
AGREEMENT FOR CONSULTING SERVICES
BETWEEN THE CITY OF REDONDO BEACH
AND DISABILITY ACCESS CONSULTANTS, LLC
THIS FIRST AMENDMENT TO THE AGREEMENT FOR CONSULTING SERVICES (“First Amendment”) is made between the City of Redondo Beach, a chartered municipal corporation (“City”) and Disability Access Consultants, LLC, a California limited liability company (“Consultant” or “Contractor”)
WHEREAS, on October 1, 2024, the parties hereto originally entered into the Agreement for Consulting Services between the City and Consultant (the “Agreement”); and WHEREAS, the parties desire to amend the Agreement to extend the term of the Agreement and increase the Consultant’s maximum total compensation.
NOW THEREFORE, in consideration of the promises and mutual covenants contained herein, and intending to be legally bound, the parties hereby agree to make the following amendments to the Agreement:
1. TERM. Exhibit “B” of the Agreement is hereby amended to add Exhibit “B-1”, which extends the Agreement through September 30, 2026. Exhibit “B-1” is attached hereto and incorporated by reference. Consultant shall commence and complete all services described in Exhibit “A” in accordance with the schedule set forth in Exhibit “B-1”.
2. COMPENSATION. Exhibit “C” of the Agreement is hereby amended to add Exhibit “C-1”, which increases the maximum total compensation payable to Consultant by $34,700, setting a new compensation limit of $69,400. Exhibit “C1” is attached hereto and incorporated by reference. Consultant shall be compensated for the services described in Exhibit “A”.
3. No Other Amendments. Except as expressly stated herein, the Agreement shall remain unchanged and in full force and effect. The Agreement and this First Amendment constitute the entire agreement between the parties and supersede any previous oral or written agreement with respect to the subject matter hereof.
In the event of any inconsistency between the terms of the Agreement and this First Amendment, the terms of this First Amendment shall prevail. 2 IN WITNESS WHEREOF, the parties have executed this First Amendment in Redondo Beach, California, as of this 16th day of September, 2025.
CITY OF REDONDO BEACH, DISABILITY ACCESS CONSULTANTS, LLC, a chartered municipal corporation a California limited liability company __________________________ By: ____________________________ James A. Light, Mayor Name:_______________________
Title: _______________________
ATTEST: APPROVED:
__________________________ __________________________
Eleanor Manzano, City Clerk Diane Strickfaden, Risk Manager APPROVED AS TO FORM:
__________________________
Joy A. Ford, City Attorney
Timothy J. Mahoney
Managing Member
3 EXHIBIT "B-1"
TERM AND TIME OF COMPLETION
TERM: The term of this Agreement shall be extended through September 30, 2026 (“Term”), unless otherwise terminated as herein provided. 4 EXHIBIT "C-1"
COMPENSATION
Provided Consultant is not in default under this Agreement, Consultant shall be compensated as provided below.
A. AMOUNT. Consultant shall be paid for the services described in Exhibit “A” of the Agreement in accordance with the following fixed monthly fees and rate schedule.
Task Fixed Monthly Fee As Needed
Contract Term Not to
Exceed Total
1. ADA Support Services $1,000 $24,000
2. ADA self-evaluation and transition
plan documentation, planning and
update services $1,350 $32,400
3. Accessibility Services
As needed, billed at the hourly
rates specified in the table set
forth below
As needed, billed at the
hourly rates specified in
the table set forth below
Title Off-site Hourly Rate On-site Hourly Rate
Project Manager $170 $190
Senior Director of Accessibility
Services & CASp $170 $190
General Manager $120 $140
Director of Administrative Services $120 $140
Director of Accessibility Services &
CASp $130 $150
Accessibility Specialists $110 $110
Information Technology Specialist, if
requested $110 $110
B. EXPENSES. Consultant shall be reimbursed for expenses in accordance with the following schedule. This includes:
Expenses Amount
Travel: For distances exceeding 50 miles one way,
reimbursement will be based on the IRS mileage
rate. IRS mileage rate
No expense above $500 shall be reimbursed unless authorized in writing by the City prior to incurring the expense. In no event shall the total reimbursable expenses 5 exceed $3,000 during the term of the Agreement, as amended by this First Amendment.
City approval of subcontractor is subject to Section 18 of the Agreement.
C. NOT TO EXCEED AMOUNT. In no event shall Consultant’s total compensation, including reimbursable expenses exceed $69,400 during the term of the Agreement, as amended by this First Amendment.
D. METHOD OF PAYMENT. Consultant shall provide monthly invoices, in arrears, covering services performed during the prior month, to the City for approval and payment. Invoices shall include the following:
1. Date of service.
2. Description of tasks performed and services provided.
3. Applicable hourly rates, total hours worked for each staff title, and subtotal.
4. If applicable, subcontractor costs.
5. Description of any reimbursable expenses incurred.
6. Copies receipts or supporting documentation for any expenses.
Invoices must be adequately detailed, based on accurate records, and in a form reasonably satisfactory to City, and attach copies of receipts to substantiate expense requests, subcontractor invoices, and any prior written authorization of the City for expenses and subcontractors. Consultant may be required to provide back-up material upon request.
E. SCHEDULE FOR PAYMENT. City agrees to pay Consultant within 30 days of receipt of the monthly invoice; provided, however, that services are completed to the City’s reasonable satisfaction.
F. NOTICE. Written notices to City and Contractor shall be given by registered or certified mail, postage prepaid, email or personally served, and addressed to the following parties.
Consultant: Disability Access Consultants, LLC
2862 Olive Highway, Suite D
Oroville, CA 95966
Attention: Barbara Thorpe
Email: [email protected]
City: City of Redondo Beach
415 Diamond Street, Engineering Division
Redondo Beach, CA 90277
Attention: Lauren Sablan, City Engineer
Email: [email protected]
6 All notices, including notices of address changes, provided under this Agreement are deemed received as follows: (1) on the second business day after emailing, provided that no “bounce-back” or similar message indicating non-delivery is received; (2) on the third day after mailing if sent by registered or certified mail; or (3) upon personal delivery. Changes in the respective address set forth above may be made from time to time by any party upon written notice to the other party in accordance with this section.
02/28/2025
AssuredPartners of Minnesota LLC
2685 Long Lake Road
St. Paul MN 55113
Stacie Schwartzbauer
(651) 644-7200 (651) 644-9137
[email protected]
Disability Access Consultants, LLC
2862 Olive Highway
Suite D
Oroville CA 95966
Employers Mutual Casualty Co 21415*
The Sentinel Insurance Company 11000
QBE Insurance Company 796-11515
3/1/25-26
A Y BBB4018-26 03/01/2025 03/01/2026
1,000,000
500,000
10,000
1,000,000
2,000,000
2,000,000
A Y 6M6-29-93-26 03/01/2025 03/01/2026
1,000,000
A
0 6J62993 03/01/2025 03/01/2026
1,000,000
1,000,000
B Y 41 WBC BN8TGY 03/01/2025 03/01/2026
1,000,000
1,000,000
1,000,000
C
Professional Liab/E&O - Claims Made
Retro Date: 9-9-1999 130000005 03/01/2025 03/01/2026
Each Claim $5,000,000
Aggregate $5,000,000
Deductible $25,000
Excess Liability – StarStone Specialty Insurance Company - $4,000,000 limit, Effective 3/1/25-3/1/26, Policy# CSX00346561P-00 over General Liability, Auto Liability, Workers Compensation, and Professional Liability The City of Redondo Beach, its officers, elected and appointed officals, employees and volunteers are additional insureds. 30 day cancellation applies.
City of Redondo Beach
415 Diamond Street
Redondo Beach CA 90278
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
COMMERCIAL AUTO
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
COMMERCIAL AUTO ELITE EXTENSION
CA7450(11-17) Includes copyrighted material of ISO Properties, Inc. with its permission. Page 1 of 5 This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
The BUSINESS AUTO COVERAGE FORM is amended to include the following clarifications and extensions of coverage. With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement.
A. TEMPORARY SUBSTITUTE AUTO PHYSICAL
DAMAGE
Section I – Covered Autos Paragraph C. Certain
Trailers, Mobile Equipment, and Temporary
Substitute Autos is amended by adding the
following:
If Physical Damage Coverage is provided by this
coverage form for an "auto" you own, the Physical
Damage Coverages provided for that owned
"auto" are extended to any "auto" you do not own
while used with the permission of its owner as a
temporary substitute for the covered "auto" you
own that is out of service because of breakdown,
repair, servicing, "loss" or destruction.
The coverage provided is the same as the
coverage provided for the vehicle being replaced.
B. AUTOMATIC ADDITIONAL INSUREDS
The Who Is An Insured provision under Covered
Autos Liability Coverage is changed to include
the following as an “insured”:
1. Where Required by a Contract or Agreement
the following is added:
The Who Is An Insured provision contained in the
Business Auto Coverage Form is amended to
add the following:
Any person or organization whom you become
obligated to include as an additional insured under
this policy, as a result of any contract or agreement
you enter into which requires you to furnish
insurance to that person or organization of the type
provided by this policy, but only with respect to
liability covered by the terms of this policy, arising
out of the use of a covered “auto” you own, hire or
borrow and resulting from the acts or omissions by
you, any of your “employees” or agents. The
insurance provided herein will not exceed:
(1) The coverage and/or limits of this policy, or
(2) The coverage and/or limits required by said
contract or agreement,
whichever is less.
C. EMPLOYEES AS INSUREDS
The following is added to the Section II – Covered
Autos Liability Coverage, Paragraph A.1. Who Is
An Insured provision:
Any "employee" of yours is an "insured" while using
a covered "auto" you don't own, hire or borrow in
your business or your personal affairs.
D. EMPLOYEE HIRED AUTOS
1. Changes In Covered Autos Liability
Coverage
The following is added to the Who Is An
Insured provision:
An "employee" of yours is an "insured" while
operating an "auto" hired or rented under a
contract or agreement in an "employee's"
name, with your permission, while performing
duties related to the conduct of your business.
2. Changes In General Conditions
Paragraph 5.b. of the Other Insurance
Condition in the Business Auto Coverage Form
is replaced by the following:
For Hired Auto Physical Damage Coverage, the
following are deemed to be covered "autos"
you own:
a. Any covered "auto" you lease, hire, rent or
borrow; and
b. Any covered "auto" hired or rented by your
"employee" under a contract in an
"employee's" name, with your permission,
while performing duties related to the
conduct of your business.
However, any "auto" that is leased, hired, rented or
borrowed with a driver is not a covered "auto".
E. NEWLY FORMED OR ACQUIRED
ORGANIZATIONS
Section II – Covered Autos Liability Coverage,
A.1. Who Is An Insured is amended by adding the
following:
CA7450(11-17) Includes copyrighted material of ISO Properties, Inc. with its permission. Page 2 of 5 Any organization which you acquire or form after
the effective date of this policy in which you
maintain ownership or majority interest. However:
(1) Coverage under this provision is afforded only
up to 180 days after you acquire or form the
organization, or to the end of the policy period,
whichever is earlier.
(2) Any organization you acquire or form will not be
considered an “insured” if:
(a) The organization is a partnership or a joint
venture; or
(b) That organization is covered under other
similar insurance.
(3) Coverage under this provision does not apply
to any claim for “bodily injury” or “property
damage” resulting from an “accident” that
occurred before you formed or acquired the
organization.
F. SUBSIDIARIES AS INSUREDS
Section II – Covered Autos Liability Coverage,
A.1. Who Is An Insured is amended by adding the
following:
Any legally incorporated subsidiary in which you
own more than 50% of the voting stock on the
effective date of this policy. However, “insured”
does not include any subsidiary that is an “insured”
under any other automobile liability policy or was an
“insured” under such a policy but for termination of
that policy or the exhaustion of the policy’s limits of liability.
G. SUPPLEMENTARY PAYMENTS
Section II – Covered Autos Liability Coverage,
A.2.a. Coverage Extensions, Supplementary
Payments (2) and (4) are replaced by the
following:
(2) Up to $5,000 for cost of bail bonds (including
bonds for related traffic law violations) required
because of an “accident” we cover. We do not
have to furnish these bonds.
(4) All reasonable expenses incurred by the
“insured” at our request, including actual loss of
earnings up to $500 a day because of time off
from work.
H. FELLOW EMPLOYEE COVERAGE
In those jurisdictions where, by law, fellow
employees are not entitled to the protection
afforded to the employer by workers compensation
exclusivity rule, or similar protection. The following
provision is added:
Subparagraph 5. of Paragraph B. Exclusions in
Section II – Covered Autos Liability Coverage
does not apply if the "bodily injury" results from the
use of a covered "auto" you own or hire.
I. TOWING
Section III – Physical Damage Coverage, A.2.
Towing is replaced with the following:
We will pay for towing and labor costs incurred,
subject to the following:
a. Up to $100 each time a covered “auto” of the
private passenger type is disabled; or
b. Up to $500 each time a covered “auto” other
than the private passenger type is disabled.
However, the labor must be performed at the place
of disablement.
J LOCKSMITH SERVICES
Section III – Physical Damage Coverage, A.4.
Coverage Extensions is amended by adding the
following:
We will pay up to $250 per occurrence for
necessary locksmith services for keys locked inside
a covered private passenger "auto". The
deductible is waived for these services.
K. TRANSPORTATION EXPENSES
Section III – Physical Damage Coverage, A.4.
Coverage Extensions Subparagraph a.
Transportation Expenses is replaced by the
following:
(1) We will pay up to $75 per day to a maximum of
$2,500 for temporary transportation expense
incurred by you because of the total theft of a
covered “auto” of the private passenger type.
We will pay only for those covered “autos” for
which you carry either Comprehensive or
Specified Cause Of Loss Coverage. We will
pay for temporary transportation expenses
incurred during the period beginning 48 hours
after the theft and ending, regardless of the
policy’s expirations, when the covered “auto” is
returned to use or we pay for its “loss”.
(2) If the temporary transportation expenses you
incur arise from your rental of an “auto” of the
private passenger type, the most we will pay is
the amount it costs to rent an “auto” of the
private passenger type which is of the same
like kind and quality as the stolen covered
“auto”.
L. AUDIO, VISUAL, AND DATA ELECTRONIC
EQUIPMENT COVERAGE ADDED LIMITS
Audio, Visual, And Data Electronic Equipment
Coverage Added Limits of $5,000 Per “Loss” are in
addition to the sublimit in Paragraph C.1.b. of the
Limits Of Insurance provision under Section III –
Physical Damage Coverage.
M. HIRED AUTO PHYSICAL DAMAGE
Section III – Physical Damage Coverage, A.4.
Coverage Extensions is amended by adding the
following:
CA7450(11-17) Includes copyrighted material of ISO Properties, Inc. with its permission. Page 3 of 5 If hired “autos” are covered “autos” for Liability
Coverage, and if Comprehensive, Specified
Causes of Loss, or Collision coverage is provided
for any “auto” you own, then the Physical Damage
coverages provided are extended to “autos” you
hire, subject to the following limit and deductible:
(1) The most we will pay for loss to any hired
“auto” is the lesser of Actual Cash Value or
Cost of Repair, minus the deductible.
(2) The deductible will be equal to the largest
deductible applicable to any owned “auto” for
that coverage. No deductible applies to “loss”
caused by fire or lightning.
(3) Subject to the above limit and deductible
provisions, we will provide coverage equal to
the broadest coverage applicable to any
covered “auto” you own.
We will pay up to $1,000, in addition to the limit
above, for loss of use of a hired auto to a
leasing or rental concern for a monetary loss
sustained, provided it results from an "accident"
for which you are legally liable.
However, any "auto" that is leased, hired, rented or
borrowed with a driver is not a covered "auto".
N. AUTO LOAN OR LEASE COVERAGE
Section III – Physical Damage Coverage
Paragraph A.4. Coverage Extensions is amended
by the addition of the following:
In the event of a total "loss" to a covered "auto"
which is covered under this policy for
Comprehensive, Specified Cause of Loss, or
Collision coverage, we will pay any unpaid amount
due, including up to a maximum of $500 for early
termination fees or penalties, on the lease or loan
for a covered "auto", less:
1. The amount paid under the Physical Damage
Coverage Section of the policy; and
2. Any:
a. Overdue lease/loan payments at the time
of the "loss";
b. Financial penalties imposed under a lease
for excessive use, abnormal wear and tear
or high mileage;
c. Security deposits not returned by the
lessor;
d. Costs for extended warranties, Credit Life
Insurance, Health, Accident or Disability
Insurance purchased with the loan or lease;
and
e. Carry-over balances from previous loans or
leases.
Coverage does not apply to any unpaid amount
due on a loan for which the covered "auto" is not
the sole collateral.
O. PERSONAL PROPERTY OF OTHERS
Section III – Physical Damage Coverage, A.4.
Coverage Extensions is amended by adding the
following:
We will pay up to $500 for loss to personal property
of others in or on your covered “auto.”
This coverage applies only in the event of “loss” to
your covered “auto” caused by fire, lightning,
explosion, theft, mischief or vandalism, the covered
“auto’s” collision with another object, or the covered
“auto’s” overturn.
No deductibles apply to this coverage.
P. PERSONAL EFFECTS COVERAGE
Section III – Physical Damage Coverage, A.4.
Coverage Extensions is amended by adding the
following:
We will pay up to $500 for "loss" to your personal
effects not otherwise covered in the policy or, if you
are an individual, the personal effects of a family
member, that is in the covered auto at the time of the
"loss".
For the purposes of this extension personal effects
means tangible property that is worn or carried by an
insured including portable audio, visual, or electronic devices. Personal effects does not include tools,
jewelry, guns, money and securities, or musical
instruments
Q. EXTRA EXPENSE FOR STOLEN AUTO
Section III – Physical Damage Coverage, A.4.
Coverage Extensions is amended by adding the
following:
We will pay up to $1,000 for the expense incurred
returning a stolen covered "auto" to you because of
the total theft of such covered "auto". Coverage
applies only to those covered "autos" for which you
carry Comprehensive or Specified Causes Of Loss
Coverage.
R. RENTAL REIMBURSEMENT
Section III – Physical Damage Coverage, A.4.
Coverage Extensions is amended by adding the
following:
1. This coverage applies only to a covered "auto" for
which Physical Damage Coverage is provided
on this policy.
2. 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.
3. 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.
CA7450(11-17) Includes copyrighted material of ISO Properties, Inc. with its permission. Page 4 of 5 a. The number of days reasonably required to
repair or replace the covered "auto". If
"loss" is caused by theft, this number of
days is added to the number of days it
takes to locate the covered "auto" and
return it to you; or
b. 30 days.
4. Our payment is limited to the lesser of the
following amounts:
a. Necessary and actual expenses incurred;
or
b. $75 per day, subject to a $2,250 limit.
5. This coverage does not apply while there are
spare or reserve "autos" available to you for
your operations.
6. 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 – Transportation Expense Coverage
Extension included in this endorsement.
7. Coverage provided by this extension is excess
over any other collectible insurance and/or
endorsement to this policy.
S. AIRBAG COVERAGE
Section III – Physical Damage Coverage, B.3.a.
Exclusions is amended by adding the following:
If you have purchased Comprehensive or Collision
Coverage under this policy, the exclusion relating to
mechanical breakdown does not apply to the
accidental discharge of an airbag.
T. NEW VEHICLE REPLACEMENT COST
The following is added to Paragraph C. Limit Of
Insurance of Section III – Physical Damage
Coverage
In the event of a total “loss” to your new covered auto of the private passenger type or vehicle having a
gross vehicle weight of 20,000 pounds or less, to
which this coverage applies, we will pay at your
option:
a. The verifiable new vehicle purchase price you
paid for your damaged vehicle, not including any
insurance or warranties.
b. The purchase price, as negotiated by us, of a
new vehicle of the same make, model, and
equipment, or most similar model available, not
including any furnishings, parts, or equipment not
installed by the manufacturer or their dealership.
c. The market value of your damaged vehicle, not
including any furnishings, parts, or equipment not
installed by the manufacturer or their dealership.
We will not pay for initiation or set up costs associated with a loans or leases.
For the purposes of this coverage extension a new
covered auto is defined as an "auto" of which you are
the original owner that has not been previously titled
which you purchased less than 180 days prior to the
date of loss.
U. LOSS TO TWO OR MORE COVERED AUTOS
FROM ONE ACCIDENT
Section III – Physical Damage Coverage, D.
Deductible is amended by adding the following:
If a Comprehensive, Specified Causes of Loss or
Collision Coverage “loss” from one “accident” involves
two or more covered “autos”, only the highest
deductible applicable to those coverages will be
applied to the “accident”.
If the application of the highest deductible is less
favorable or more restrictive to the insured than the
separate deductibles as applied in the standard form,
the standard deductibles will apply.
This provision only applies if you carry
Comprehensive, Collision or Specified Causes of
Loss Coverage for those vehicles, and does not
extend coverage to any covered “autos” for which you
do not carry such coverage.
V. WAIVER OF DEDUCTIBLE – GLASS REPAIR OR
REPLACEMENT
Section III – Physical Damage Coverage, D.
Deductible is amended by adding the following:
If a Comprehensive Coverage deductible is shown in
the Declarations it does not apply to the cost of
repairing or replacing damaged glass.
W. DUTIES IN THE EVENT OF ACCIDENT, CLAIM,
SUIT, OR LOSS
Section IV – Business Auto Conditions, A.2.
Duties In The Event Of Accident, Claim, Suit Or
Loss is amended by adding the following:
Your obligation to notify us promptly of an “accident”, claim, “suit” or “loss” is satisfied if you send us the required notice as soon as practicable after your
Insurance Administrator or anyone else designated by
you to be responsible for insurance matters is notified, or in any manner made aware, of an “accident”, claim,
“suit” or “loss”.
X. WAIVER OF TRANSFER OF RIGHTS OF
RECOVERY
Subparagraph 5. of Paragraph A. Loss Conditions
of Section IV – Business Auto Conditions is
deleted in its entirety and replaced with the following.
Transfer Of Rights Of Recovery Against Others
To Us
If any person or organization to or for whom we
make payment under this Coverage Form has
rights to recover damages from another, those
rights are transferred to us. That person or
organization must do everything necessary to
secure our rights and must do nothing after
"accident" or "loss" to impair them.
CA7450(11-17) Includes copyrighted material of ISO Properties, Inc. with its permission. Page 5 of 5 However, we waive any right of recovery we may
have against any person, or organization with
whom you have a written contract, agreement or
permit executed prior to the "loss" that requires a
waiver of recovery for payments made for damages
arising out of your operations done under contract
with such person or organization.
Y. UNINTENTIONAL FAILURE TO DISCLOSE
EXPOSURES
Section IV – Business Auto Conditions, B.2.
Concealment, Misrepresentation, Or Fraud is
amended by adding the following:
If you unintentionally fail to disclose any exposures
existing at the inception date of this policy, we will not deny coverage under this Coverage Form solely
because of such failure to disclose. However, this
provision does not affect our right to collect additional premium or exercise our right of cancellation or nonrenewal.
Z. MENTAL ANGUISH
Section V – Definitions, C. is replaced by the
following:
“Bodily injury” means bodily injury, sickness or
disease sustained by a person, including mental
anguish or death resulting from bodily injury, sickness or disease.
AA. LIBERALIZATION
If we revise this endorsement to provide greater
coverage without additional premium charge, we will
automatically provide the additional coverage to all
endorsement holders as of the day the revision is
effective in your state.
COMMERCIAL INTERLINE
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
NOTICE OF CANCELLATION PROVIDED BY US TO PERSON(S) OR
ORGANIZATION(S) WITH WHOM YOU HAVE AGREED IN A WRITTEN
CONTRACT OR AGREEMENT
IL7447(5-15) Includes copyrighted material of ISO Properties, Inc. with its permission. Page 1 of 1 This policy is subject to the following additional Conditions:
If we cancel this policy by notice to the first Named Insured, for any statutorily permitted reason other than for nonpayment of premium, notice of such cancellation will be provided at least thirty (30) days in advance of the cancellation effective date to any person(s) or organization(s) with whom you have agreed in a written contract or agreement to provide such person(s) or organization(s) with a notice of cancellation but only if:
1. You have provided the name and address of such person(s) or organization(s) to your authorized agent; and
2. Your authorized agent provides us with that list within three (3) business days from the date we request it from them.
If notice is mailed, proof of mailing to the last known mailing address of such person(s) or organization(s) will be sufficient proof of notice.
Failure to provide such notice to such person(s) or organization(s) will not amend or extend the date the cancellation becomes effective, nor will it negate cancellation of the policy. Failure to send notice shall impose no liability of any kind upon us, our agents or our representatives.
COMMERCIAL GENERAL LIABILITY
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ADDITIONAL INSURED – OWNERS, LESSEES OR CONTRACTORS –
AUTOMATIC STATUS WHEN REQUIRED IN CONSTRUCTION CONTRACT OR AGREEMENT INCLUDING COMPLETED OPERATIONS – PRIMARY AND
NONCONTRIBUTORY
CG7174.3(10-13) Includes copyrighted material of ISO Properties, Inc. with its permission. Page 1 of 1 This endorsement modifies the insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
A. Section II – Who Is An Insured is amended to
include as an additional insured:
1. Any person or organization for whom you are
performing operations when you and such
person or organization have agreed in writing in
a contract or agreement that such person or
organization be added as an additional insured
on your policy; and
2. Any other person or organization you are
required to add as an additional insured under
the contract or agreement described in
Paragraph 1. above.
Such person(s) or organization(s) is an additional
insured only with respect to liability for “bodily
injury”, “property damage” or “personal and
advertising injury” caused, in whole or in part, by:
a. Your acts or omissions; or
b. The acts or omissions of those acting on
your behalf;
in the performance of:
a. your ongoing operations for the additional
insured; or
b. “Your work” for the additional insured and
included in the “products – completed
operations hazard”.
However, the insurance afforded to such additional
insured described above:
a. Only applies to the extent permitted by law;
and
b. Will not be broader than that which you are
required by the contract or agreement to
provide for such additional insured.
B. With respect to the insurance afforded to these
additional insureds, the following additional
exclusion applies:
This insurance does not apply to “bodily injury,”
“property damage” and “personal and advertising
injury” arising out of the rendering of, or the failure to render, any professional architectural,
engineering or surveying services including:
a. The preparing, approving, or failing to prepare
or approve maps, shop drawings, opinions, reports,
surveys, field orders, change orders or drawings
and specifications; or
b. Supervisory, inspection, architectural or
engineering activities.
This exclusion applies even if the claims against
any insured allege negligence or other wrongdoing
in the supervision, hiring, employment, training or
monitoring of others by the insured, if the
“occurrence” which caused the “bodily injury” or
“property damage”, or the offense which caused the
“personal and advertising injury”, involved the
rendering of, or the failure to render, any
professional architectural, engineering or surveying
services.
C. With respect to the insurance afforded to these
additional insureds, the following is added to
Section III – Limits Of Insurance:
The most we will pay on behalf of the additional
insured is the amount of insurance:
1. Required by the contract or agreement
described in Paragraph A.1.; or
2. Available under the applicable Limits of
Insurance shown in the Declarations;
whichever is less.
This endorsement shall not increase the applicable
Limits of Insurance shown in the Declarations.
D. The following is added to the Other Insurance
Condition and supersedes any provision to the
contrary:
Primary and Noncontributory Insurance
This insurance is primary to and will not seek
contribution from any other insurance available to
an additional insured under your policy provided
that:
(1) The additional insured is a Named Insured
under such other insurance; and
(2) You have agreed in writing in a contract or
agreement that this insurance would be primary
and would not seek contribution from any other
insurance available to the additional insured.
E. All other terms and conditions of this policy remain unchanged.
COMMERCIAL GENERAL LIABILITY
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
GENERAL LIABILITY ELITE EXTENSION
CG7578(2-19) Includes copyrighted material of ISO Properties, Inc. with its permission. Page 1 of 6 This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
The COMMERCIAL GENERAL LIABILITY COVERAGE FORM is amended to include the following clarifications and extensions of coverage. The provisions of the Coverage Form apply unless modified by endorsement.
A. EXPECTED OR INTENDED INJURY
Section I – Coverage A, Exclusion a. is amended
as follows:
a. “Bodily injury” or “property damage” expected
or intended from the standpoint of an insured.
This exclusion does not apply to “bodily injury”
or “property damage” resulting from the use of
reasonable force to protect persons or property.
B. NON-OWNED WATERCRAFT
Section I – Coverage A, Exclusion g.(2) is
amended as follows:
(2) A watercraft you do not own that is:
(a) Less than 60 feet long; and
(b) Not being used to carry person(s) or
property for a charge;
C. EXTENDED PROPERTY DAMAGE COVERAGE
Section I – Coverage A, Exclusions j.(3) and (4) is
amended to add the following:
Paragraphs (3) and (4) of this exclusion do not
apply to tools or equipment loaned to you, provided
they are not being used to perform operations at
the time of loss.
SCHEDULE
Limits Of Insurance Deductible
$5,000 Each Occurrence $250 Per Claim
$10,000 Annual Aggregate
a. The each occurrence limit listed above is the
most we will pay for all damages because of
“property damage” to property in the care,
custody and control of or property loaned to an
insured as the result of any one “occurrence”,
regardless of the number of:
(1) insureds;
(2) claims made or “suits” brought;
(3) persons or organizations making claims or
bringing “suits”.
The aggregate limit listed above is the most we will
pay for all damages because of “property damage”
to property in the care custody and control of or
property loaned to an insured during the policy
period.
Any payment we make for damages because of
“property damage” to property in the care, custody
and control of or property loaned to an insured will
apply against the General Aggregate Limit shown in
the declarations.
b. Our obligation to pay damages on your behalf
applies only to the amount of damages in
excess of the deductible amount listed above.
We may pay any part or all of the deductible
amount listed above. We may pay any part or
all of the deductible amount to effect settlement
of any claim or “suit” and upon notification by
us, you will promptly reimburse us for that part
of the deductible we paid.
c. If two or more coverages apply under one
"occurrence", only the highest per claim
deductible applicable to these coverages will
apply.
d. Insurance provided by this provision is excess
over any other insurance, whether primary,
excess, contingent or any other basis. Since
insurance provided by this endorsement is
excess, we will have no duty to defend any
claim or “suit” to which insurance provided by
this endorsement applies if any other insurer
has a duty to defend such a claim or “suit”. If
no other insurer defends, we will undertake to
do so, but we will be entitled to the insured’s
rights against all those other insurers.
D. PROPERTY DAMAGE − ELEVATORS
Section I – Coverage A.2. Exclusions paragraphs
j.(3), j.(4), j.(6) and k. do not apply to use of
elevators. This insurance afforded by this provision
is excess over any valid and collectible property
insurance (including any deductible) available to
the insured and Section IV – Commercial General
Liability Conditions Paragraph 4. Other
Insurance is changed accordingly.
Policy#: BB4018-25
CG7578(2-19) Includes copyrighted material of ISO Properties, Inc. with its permission. Page 2 of 6 E. FIRE, LIGHTNING OR EXPLOSION DAMAGE
Except where it is used in the term “hostile fire”, the word fire includes fire, lightning or explosion wherever it appears in the Coverage Form.
Under Section I – Coverage A, the last paragraph
(after the exclusions) is replaced with the following:
Exclusions c. through n. do not apply to damage by
fire, smoke or leakage from automatic fire protection
systems to premises while rented to you or
temporarily occupied by you with permission of the
owner. A separate limit of insurance applies to this
coverage as described in Section III – Limits of
Insurance.
F. MEDICAL PAYMENTS
If Section I – Coverage C. Medical Payments
Coverage is not otherwise excluded from this
Coverage Form:
The requirement, in the Insuring Agreement of
Coverage C., that expenses must be incurred and
reported to us within one year of the accident date is
changed to three years.
G. SUPPLEMENTARY PAYMENTS
Supplementary Payments – Coverages A and B
Paragraphs 1.b. and 1.d. are replaced by the
following:
1.b. Up to $5,000 for cost of bail bonds required
because of accidents or traffic law violations
arising out of the use of any vehicle to which the
Bodily Injury Liability Coverage applies. We do
not have to furnish these bonds.
1.d. All reasonable expenses incurred by the insured
at our request to assist us in the investigation or
defense of the claim or “suit”, including actual
loss of earnings up to $500 a day because of
time off from work.
H. SUBSIDIARIES AS INSUREDS
Section II – Who Is An Insured is amended to add
the following:
1.f. Any legally incorporated subsidiary in which you
own more than 50% of the voting stock on the
effective date of this policy. However, insured
does not include any subsidiary that is an insured
under any other general liability policy, or would
have been an insured under such a policy but for
termination of that policy or the exhaustion of that
policy’s limits of liability.
I. BLANKET ADDITIONAL INSUREDS – AS
REQUIRED BY CONTRACT
1. Section II – Who Is An Insured is amended to
include as an additional insured any person(s) or
organization(s) subject to provisions in Paragraph
2. below, (hereinafter referred to as additional
insured) when you and such person(s) or
organization(s) have agreed in a written contract
or written agreement that such person(s) or
organization(s) be added as an additional insured
on your policy provided that the written contract or
agreement is:
a. Currently in effect or becomes effective
during the policy period; and
b. Executed prior to an “occurrence” or
offense to which this insurance would
apply.
However, the insurance afforded to such
additional insured:
a. Only applies to the extent permitted by law;
and
b. Will not be broader than that which you are
required by the contract or agreement to
provide for such additional insured; and
c. Applies only if the person or organization is
not specifically named as an additional
insured under any other provision of, or
endorsement added to, Section II – Who
Is An Insured of this policy.
2. As provided herein, the insurance coverage
provided to such additional insureds is limited
to:
a. Any Controlling Interest, but only with
respect to their liability arising out of their
financial control of you; or premises they
own, maintain, or control while you lease or
occupy these premises.
This insurance does not apply to structural
alterations, new construction and
demolition operations performed by or for
that person or organization.
b. Any architect, engineer, or surveyor
engaged by you but only with respect to
liability for "bodily injury", "property
damage" or "personal and advertising
injury" caused, in whole or in part, by your
acts or omissions or the acts or omissions
of those acting on your behalf:
(1) In connection with your premises; or
(2) In the performance of your ongoing
operations.
With respect to the insurance afforded to
these additional insureds, the following
additional exclusion applies:
This insurance does not apply to "bodily
injury", "property damage" or "personal and
advertising injury" arising out of the
rendering of or the failure to render any
professional services by or for you,
including:
(1) The preparing, approving, or failing to
prepare or approve, maps, shop
drawings, opinions, reports, surveys,
field orders, change orders or drawings
and specifications; or
(2) Supervisory, inspection, architectural or
engineering activities.
CG7578(2-19) Includes copyrighted material of ISO Properties, Inc. with its permission. Page 3 of 6 This exclusion applies even if the claims
against any insured allege negligence or
other wrongdoing in the supervision, hiring,
employment, training or monitoring of
others by that insured, if the "occurrence"
which caused the "bodily injury" or
"property damage", or the offense which
caused the "personal and advertising
injury", involved the rendering of or the
failure to render any professional services
by or for you.
c. Any manager or lessor of a premises
leased to you, but only with respect to
liability arising out of the ownership,
maintenance or use of that part of a
premises leased to you, subject to the
following additional exclusions:
This insurance does not apply to:
(1) Any “occurrence” which takes place
after you cease to be a tenant in that
premises.
(2) Structural alterations, new construction
or demolition operations performed by
or on behalf of such additional insured.
d. Any state or governmental agency or
subdivision or political subdivision, subject to
the following:
(1) This insurance applies only with respect
to the following hazards for which any
state or governmental agency or
subdivision or political subdivision has
issued a permit or authorization in
connection with premises you own, rent
or control and to which this insurance
applies:
(a) The existence, maintenance, repair,
construction, erection or removal of
advertising signs, awnings,
canopies, cellar entrances, coal
holes, driveways, manholes,
marquees, hoist away openings,
sidewalk vaults, street banners or
decorations and similar exposures;
or
(b) The construction, erection or
removal of elevators; or
(c) The ownership, maintenance or use
of any elevators covered by this
insurance.
(2) This insurance applies only with respect
to operations performed by you or on
your behalf for which any state or
governmental agency or subdivision or
political subdivision has issued a permit
or authorization.
This insurance does not apply to:
(a) "Bodily injury", "property damage" or
"personal and advertising injury"
arising out of operations performed
for the federal government, state or
municipality; or
(b) "Bodily injury" or "property damage"
included within the "productscompleted operations hazard". e. Any vendor, but only with respect to “bodily
injury” or “property damage” arising out of
“your products” which are distributed or sold
in the regular course of the vendor’s
business.
With respect to the insurance afforded to
these vendors, the following additional
exclusions apply:
(1) The insurance afforded any vendor does
not apply to:
(a) "Bodily injury" or "property damage"
for which any vendor is obligated to
pay damages by reason of the
assumption of liability in a contract or
agreement. This exclusion does not
apply to liability for damages that any
vendor would have in the absence of
the contract or agreement;
(b) Any express warranty unauthorized
by you;
(c) Any physical or chemical change in
the product made intentionally by
any vendor;
(d) Repackaging, except when
unpacked solely for the purpose of
inspection, demonstration, testing,
or the substitution of parts under
instructions from the manufacturer,
and then repackaged in the original
container;
(e) Any failure to make such
inspections, adjustments, tests or
servicing as any vendor has
agreed to make or normally
undertakes to make in the usual
course of business, in connection
with the distribution or sale of the
products;
(f) Demonstration, installation,
servicing or repair operations,
except such operations performed
at any vendor's premises in
connection with the sale of the
product;
(g) Products which, after distribution or
sale by you, have been labeled or
relabeled or used as a container,
part or ingredient of any other thing
or substance by or for any vendor;
or
CG7578(2-19) Includes copyrighted material of ISO Properties, Inc. with its permission. Page 4 of 6 (h) "Bodily injury" or "property
damage" arising out of the sole
negligence of any vendor for its
own acts or omissions or those of
its employees or anyone else
acting on its behalf. However, this
exclusion does not apply to:
(i) The exceptions contained in
Subparagraphs (d) or (f); or
(ii) Such inspections, adjustments,
tests or servicing as any
vendor has agreed to make or
normally undertakes to make in
the usual course of business,
in connection with the
distribution or sale of the
products.
(2) This insurance does not apply to any
insured person or organization, from
whom you have acquired such
products, or any ingredient, part or
container, entering into, accompanying
or containing such products.
f. Any Mortgagee, Assignee Or Receiver, but
only with respect to their liability as
mortgagee, assignee, or receiver and
arising out of the ownership, maintenance,
or use of the premises by you.
This insurance does not apply to structural
alterations, new construction and
demolition operations performed by or for
that person or organization.
g. Any Owners Or Other Interests From
Whom Land Has Been Leased, but only
with respect to liability arising out of the
ownership, maintenance or use of that part
of the land leased to you.
With respect to the insurance afforded to
these additional insureds, the following
additional exclusions apply:
(1) This insurance does not apply to:
(a) Any "occurrence" which takes
place after you cease to lease that
land; or
(b) Structural alterations, new
construction or demolition
operations performed by or on
behalf of such additional insured.
h. Any person or organization from whom you
lease equipment, but only with respect to
liability for “bodily injury”, “property
damage” or “personal and advertising
injury” caused, in whole or in part by your
maintenance, operation or use of
equipment leased to you by such person(s)
or organization(s).
A person’s or organization’s status as an
additional insured under this endorsement
ends when their contract or agreement with
you for such leased equipment ends.
With respect to the insurance afforded to
these additional insureds, this insurance
does not apply to any “occurrence” which
takes place after the equipment lease
expires.
i. Any Owners, Lessees, or Contractors for
whom you are performing operations, but
only with respect to liability for "bodily
injury", "property damage" or "personal and
advertising injury" caused, in whole or in
part, by:
(1) Your acts or omissions; or
(2) The acts or omissions of those acting
on your behalf;
in the performance of your ongoing
operations for the additional insured.
A person's or organization's status as an
additional insured under this endorsement
ends when your operations for that
additional insured are completed.
With respect to the insurance afforded to
these additional insureds, the following
additional exclusions apply:
This insurance does not apply to:
(1) "Bodily injury", "property damage" or
"personal and advertising injury" arising
out of the rendering of, or the failure to
render, any professional architectural,
engineering or surveying services,
including:
(a) The preparing, approving, or failing
to prepare or approve, maps, shop
drawings, opinions, reports, surveys,
field orders, change orders or
drawings and specifications; or
(b) Supervisory, inspection, architectural
or engineering activities.
This exclusion applies even if the claims
against any insured allege negligence or
other wrongdoing in the supervision, hiring,
employment, training or monitoring of
others by that insured, if the "occurrence"
which caused the "bodily injury" or
"property damage", or the offense which
caused the "personal and advertising
injury", involved the rendering of or the
failure to render any professional
architectural, engineering or surveying
services.
(2) "Bodily injury" or "property damage"
occurring after:
CG7578(2-19) Includes copyrighted material of ISO Properties, Inc. with its permission. Page 5 of 6 (a) All work, including materials, parts
or equipment furnished in
connection with such work, on the
project (other than service,
maintenance or repairs) to be
performed by or on behalf of the
additional insured(s) at the location
of the covered operations has been
completed; or
(b) That portion of "your work" out of
which the injury or damage arises
has been put to its intended use by
any person or organization other
than another contractor or
subcontractor engaged in
performing operations for a
principal as a part of the same
project.
j. Any Grantor of Licenses to you, but only
with respect to their liability as grantor of
licenses to you.
Their status as additional insured under
this endorsement ends when:
1. The license granted to you by such
person(s) or organization(s) expires; or
2. Your license is terminated or revoked
by such person(s) or organization(s)
prior to expiration of the license as
stipulated by the contract or
agreement.
k. Any Grantor of Franchise, but only with
respect to their liability as grantor of a
franchise to you.
l. Any Co-owner of Insured Premises, but
only with respect to their liability as coowner of any insured premises. m. Any Concessionaires Trading Under Your
Name, but only with respect to their liability
as a concessionaire trading under your
name.
3. Any insurance provided to any additional
insured does not apply to “bodily injury”,
“property damage” or “personal and advertising
injury” arising out of the sole negligence or
willful misconduct of the additional insured or its
agents, “employees” or any other
representative of the additional insured.
4. With respect to the insurance afforded to these
additional insureds, the following is added to
Section III – Limits of Insurance:
If coverage provided to any additional insured
is required by a contract or agreement, the
most we will pay on behalf of the additional
insured is the amount of insurance:
a. Required by the contract or agreement; or
b. Available under the applicable Limits of
Insurance shown in the Declarations;
whichever is less.
This endorsement shall not increase the
applicable Limits of Insurance shown in the
Declarations.
J. COVERAGE FOR INJURY TO CO-EMPLOYEES
AND/OR YOUR OTHER VOLUNTEER WORKERS
Section II – Who is an Insured, Paragraph 2.a. (1) is
amended to add the following:
e. Paragraphs (a), (b), and (c) do not apply to your
“employees” or “volunteer workers” with respect
to “bodily injury” to a co-“employee” or other
“volunteer worker”.
Damages owed to an injured co-"employee" or
"volunteer worker" will be reduced by any
amount paid or available to the injured co-
"employee" or “volunteer worker" under any
other valid and collectible insurance.
K. HEALTH CARE SERVICE PROFESSIONALS AS
INSUREDS - INCIDENTAL MALPRACTICE
Section II – Who is an Insured, Paragraph 2.a. (1)
(d) is amended as follows:
This provision does not apply to Nurses, Emergency
Medical Technicians, or Paramedics who provide
professional health care services on your behalf.
However this exception does not apply if you are in
the business or occupation of providing any such
professional services.
L. NEWLY FORMED OR ACQUIRED
ORGANIZATIONS
Section II – Who Is An Insured, Paragraph 3.a. is
replaced by the following:
3.a. Coverage under this provision is afforded until
the end of the policy period.
This provision does not apply if newly formed or
acquired organizations coverage is excluded either by
the provisions of the Coverage Form or by
endorsements.
M. DAMAGE TO PREMISES RENTED TO YOU
Section III – Limits of Insurance, Paragraph 6. is
replaced by the following:
Subject to 5.a. above, the Damage To Premises
Rented To You Limit, or $500,000, whichever is
higher, is the most we will pay under Coverage A for
damages because of “property damage” to any one
premises, while rented to you, or in the case of
damage by fire, smoke or leakage from automatic
protection systems, while rented to you or temporarily
occupied by you with permission of the owner.
N. MEDICAL PAYMENTS – INCREASED LIMITS
Section III – Limits of Insurance, Paragraph 7. is
replaced by the following:
7. Subject to Paragraph 5. above, $10,000 is the
Medical Expense Limit we will pay under
Coverage C for all medical expenses because of
"bodily injury" sustained by any one person,
unless the amount shown on the Declarations of
this Coverage Part for Medical Expense Limit
states:
CG7578(2-19) Includes copyrighted material of ISO Properties, Inc. with its permission. Page 6 of 6 (a) No Coverage; or
(b) $1,000; or
(c) $5,000; or
(d) A limit higher than $10,000.
O. DUTIES IN THE EVENT OF OCCURRENCE,
OFFENSE, CLAIM OR SUIT
Section IV – Commercial General Liability
Conditions Paragraph 2. is amended to add the
following:
e. The requirement in Condition 2.a. that you must
see to it that we are notified as soon as
practicable of an “occurrence” or an offense
which may result in a claim, applies only when the
“occurrence” or offense is known to:
(1) You, if you are an individual or a limited
liability company;
(2) A partner, if you are a partnership;
(3) A member or manager, if you are a limited
liability company;
(4) An “executive officer” or insurance manager,
if you are a corporation; or
(5) A trustee, if you are a trust.
f. The requirement in Condition 2.b. that you must
see to it that we receive notice of a claim or “suit”
as soon as practicable will not be considered
breached unless the breach occurs after such
claim or “suit” is known to:
(1) You, if you are an individual or a limited
liability company;
(2) A partner, if you are a partnership;
(3) A member or manager, if you are a limited
liability company;
(4) An “executive officer” or insurance manager,
if you are a corporation; or
(5) A trustee, if you are a trust.
P. PRIMARY AND NONCONTRIBUTORY –
ADDITIONAL INSURED EXTENSION
Section IV – Commercial General Liability
Conditions Paragraph 4. Other Insurance is
amended to add the following:
This insurance is primary to and will not seek
contribution from any other insurance available to an
additional insured under your policy provided that:
(1) The additional insured is a Named Insured under
such other insurance; and
(2) You have agreed in writing in a contract or
agreement that this insurance would be primary
and would not seek contribution from any other
insurance available to the additional insured.
However, if the additional insured has been
added as an additional insured on other policies,
whether primary, excess, contingent or on any
other basis, this insurance is excess over any
other insurance regardless of the written
agreement between you and an additional
insured.
Q. UNINTENTIONAL FAILURE TO DISCLOSE
EXPOSURES
Section IV – Commercial General Liability
Conditions Paragraph 6. Representations is
amended to add the following:
If you unintentionally fail to disclose any exposures
existing at the inception date of your policy, we will not deny coverage under the Coverage Form solely
because of such failure to disclose. However, this
provision does not affect our right to collect additional premium or exercise our right of cancellation or nonrenewal.
This provision does not apply to any known injury
or damage which is excluded under any other
provision of this policy.
R. WAIVER OF TRANSFER OF RIGHTS OF
RECOVERY AGAINST OTHERS TO US
Section IV – Commercial General Liability
Condition Paragraph 8. Transfer Of Rights Of
Recovery Against Others To Us is amended to
add the following:
We waive any right of recovery we may have
against any person or organization because of
payments we make for injury or damage arising out
of:
1. Your ongoing operations; or
2. “Your work” included in the “productscompleted operations hazard”.
However, this waiver applies only when you have
agreed in writing to waive such rights of recovery in
a contract or agreement, and only if the contract or
agreement:
1. Is in effect or becomes effective during the term
of this policy; and
2. Was executed prior to loss.
S. MENTAL ANGUISH
Section V – Definition 3. is replaced by the following:
“Bodily injury” means bodily injury, sickness or
disease sustained by a person, including mental
anguish or death resulting from bodily injury,
sickness or disease.
T. LIBERALIZATION
If we revise this endorsement to provide greater
coverage without additional premium charge, we
will automatically provide the additional coverage to
all endorsement holders as of the day the revision
is effective in your state.