AGREEMENT FOR CONSULTING SERVICES
BETWEEN THE CITY OF REDONDO BEACH
AND KEYSER MARSTON ASSOCIATES, INC.
THIS AGREEMENT FOR CONSULTING SERVICES (this "Agreement") is made between the City of Redondo Beach, a chartered municipal corporation ("City") and Keyser Marston Associates, Inc., a California corporation ("Consultant" or "Contractor").
The parties hereby agree as follows:
Description of Project or Scope of Services. The project description or scope of services to be provided by Consultant, and any corresponding responsibilities o City, or services required to be performed by City are set forth in Exhibit "A."
2. Term and Time of Completion. Consultant shall commence and complete the project or services described in Exhibit "A" in accordance with the schedule set forth in Exhibit "B".
Compensation. City agrees to pay Consultant for work performed in accordance with Exhibit "C".
Insurance. Consultant shall adhere to the insurance requirements outlined in Exhibit "D", unless otherwise waived by the City's Risk Manager. **** *
GENERAL PROVISIONS
Independent Contractor. Consultant acknowledges, represents and warrants that Consultant is not a regular or temporary employee, officer, agent, joint venturer or partner of the City, but rather an independent contractor. This Agreement shall not be construed as a contract of employment. Consultant shall have no rights to any benefits which accrue to City employees unless otherwise expressly provided in this Agreement. Due to the independent contractor relationship created by this Agreement, the City shall not withhold state or federal income taxes, the reporting of which shall be Consultant's sole responsibility.
2. Brokers. Consultant acknowledges, represents and warrants that Consultant has not hired, retained or agreed to pay any entity or person any fee, commission, percentage, gift, or any other consideration, contingent upon or resulting from the award or making of this Agreement.
3. City Property. All plans, drawings, reports, calculations, data, specifications, videos, graphics or other materials prepared for or obtained pursuant to this Agreement shall upon request be delivered to the City within a reasonable time, and the rights thereto shall be deemed assigned to the City. If applicable, 1 Consultant shall prepare check prints upon request. Said plans, drawings, reports, calculations, data, specifications, videos, graphics or other materials, shall be specific for the project herein and shall not be used by the City for any other project without Consultant's consent. Notwithstanding the foregoing, Consultant shall not be obligated to assign any proprietary software or data developed by or at the direction of Consultant for Consultant's own use; provided, however, that Consultant shall, pursuant to Paragraph 14 below, indemnify, defend and hold the City harmless from and against any discovery or Public Records Act request seeking the disclosure of any such proprietary software or data.
4. Inspection. If the services set forth in Exhibit "A" shall be performed on City or other public property, the City shall have the right to inspect such work without notice. If such services shall not be performed on City or other public property, the City shall have the right to inspect such work upon reasonable notice. Inspections by the City shall not relieve or minimize the responsibility of Consultant to conduct any inspections Consultant has agreed to perform pursuant to the terms of this Agreement. Consultant shall be solely liable for said inspections performed by Consultant. Consultant shall certify in writing to the City as to the completeness and accuracy of each inspection required to be conducted by Consultant hereunder.
5. Services. The project or services set forth in Exhibit "A" shall be performed to the full satisfaction and approval of the City. In the event that the project or services set forth in Exhibit "A" are itemized by price in Exhibit "C". , the City in its sole discretion may, upon notice to Consultant, delete certain items or services set forth in Exhibit "A", in which case there shall be a corresponding reduction in the amount of compensation paid to Consultant. City shall furnish Consultant to the extent available, with any City standards, details, specifications and regulations applicable to the Project and necessary for the performance of Consultant's services hereunder. Notwithstanding the foregoing, any and all additional data necessary for design shall be the responsibility of Consultant.
Records. Consultant, including any of its subcontractors shall maintain full and complete documents and records, including accounting records, employee time sheets, work papers, and correspondence pertaining to the project or services set forth in Exhibit "A". Consultant, including any of its subcontractors shall make such documents and records available for City review or audit upon request and reasonable notice, and shall keep such documents and records, for at least four (4) years after Consultant's completion of performance of this Agreement. Copies of all pertinent reports and correspondence shall be furnished to the City for its files.
7. Changes and Extra Work. Unless otherwise provided herein, all changes and/or extra work under this Agreement shall be provided for by a subsequent written amendment executed by City and Consultant.
8. Additional Assistance. If this Agreement requires Consultant to prepare plans and specifications, Consultant shall provide assistance as necessary to resolve any questions regarding such plans and specifications that may arise during the period of advertising for bids, and Consultant shall issue any necessary addenda to the plans and specifications as requested. In the event Consultant is of the opinion that City's requests for addenda and assistance is outside the scope of normal services, the parties shall proceed in accordance with the changes and extra work provisions of this Agreement.
9. Professional Ability. Consultant acknowledges, represents and warrants that Consultant is skilled and able to competently provide the services hereunder, and possesses all professional licenses, certifications, and approvals necessary to engage in its occupation. City has relied upon the professional ability and training of Consultant as a material inducement to enter into this Agreement. Consultant shall perform in accordance with generally accepted professional practices and standards of Consultant's profession.
10. Business License. Consultant shall obtain a Redondo Beach Business License before performing any services required under this Agreement. The failure to so obtain such license shall be a material breach of this Agreement and grounds for immediate termination by City; provided, however, that City may waive the business license requirement in writing under unusual circumstances without necessitating any modification of this Agreement to reflect such waiver.
11. Termination Without Default. Notwithstanding any provision herein to the contrary, the City may, in its sole and absolute discretion and without cause, terminate this Agreement at any time prior to completion by Consultant of the project or services hereunder, immediately upon written notice to Consultant. In the event of any such termination, Consultant shall be compensated for: (1) all authorized work satisfactorily performed prior to the effective date of termination; and (2) necessary materials or services of others ordered by Consultant for this Agreement, prior to Consultant's receipt of notice of termination, irrespective of whether such materials or services of others have actually been delivered, and further provided that Consultant is not able to cancel such orders. Compensation for Consultant in such event shall be determined by the City in accordance with the percentage of the project or services completed by Consultant; and all of Consultant's finished or unfinished work product through the time of the City's last payment shall be transferred and assigned to the City. In conjunction with any termination of this Agreement, the City may, at its own expense, make copies or extract information from any notes, sketches, computations, drawings, and specifications or other data, whether complete or not.
12. Termination in the Event of Default. Should Consultant fail to perform any of its obligations hereunder, within the time and in the manner provided or otherwise violate any of the terms of this Agreement, the City may immediately terminate this Agreement by giving written notice of such termination, stating the reasons for 3 such termination. Consultant shall be compensated as provided immediately above, provided, however, there shall be deducted from such amount the amount of damages if any, sustained by the City by virtue of Consultant's breach of this Agreement.
13. Conflict of Interest. Consultant acknowledges, represents and warrants that Consultant shall avoid all conflicts of interest (as defined under any federal, state or local statute, rule or regulation, or at common law) with respect to this Agreement. ( Consultant further acknowledges, represents and warrants that Consultant has no business relationship or arrangement of any kind with any City official or employee with respect to this Agreement. Consultant acknowledges that in the event that Consultant shall be found by any judicial or administrative body to have any conflict of interest (as defined above) with respect to this Agreement, all consideration received under this Agreement shall be forfeited and returned to City forthwith. This provision shall survive the termination of this Agreement for one (1) year.
14. Indemnity. To the maximum extent permitted by law, Consultant hereby agrees, at its sole cost and expense, to defend protect, indemnify, and hold harmless the City, its elected and appointed officials, officers, employees, volunteers, attorneys, and agents (collectively "Indemnitees") from and against any and all claims, including, without limitation, claims for bodily injury, death or damage to property, demands, charges, obligations, damages, causes of action, proceedings, suits, losses, stop payment notices, judgments, fines, liens, penalties, liabilities, costs and expenses of every kind and nature whatsoever, in any manner arising out of, incident to, related to, in connection with the negligence, recklessness, willful misconduct, failure to act, error or omission of Consultant's performance or work hereunder (including any of its officers, agents, employees, Subcontractors) or its failure to comply with any of its obligations contained in the Agreement, or its failure to comply with any current or prospective law, except for such loss or damage which was caused by the sole negligence or willful misconduct of the City.
Consultant's obligation to indemnify shall not be restricted to insurance proceeds, if any, received by Consultant or Indemnitees. This indemnification obligation shall survive this Agreement and shall not be limited by any term of any insurance policy required under this Agreement.
a. Nonwaiver of Rights. Indemnitees do not and shall not waive any rights that they may possess against Consultant because the acceptance by City, or the deposit with City, of any insurance policy or certificate required pursuant to this Agreement.
b. Waiver of Right of Subrogation. Consultant, on behalf of itself and all parties claiming under or through it, hereby waives all rights of subrogation and contribution against the Indemnitees.
4 15. Insurance. Consultant shall comply with the requirements set forth in Exhibit "D." Insurance requirements that are waived by the City's Risk Manager do not require amendments or revisions to this Agreement.
16. Non-Liability of Officials and Employees of the City. No official or employee of the City shall be personally liable for any default or liability under this Agreement.
17. Compliance with Laws. Consultant shall comply with all federal, state and local laws, statutes, ordinances, rules and regulations, and the orders and decrees of any courts or administrative bodies or tribunals, with respect to this Agreement, including without limitation all environmental laws, employment laws.
18. Non-Discrimination. Consultant shall comply with all applicable federal, state, and local laws, ordinances, regulations, and codes prohibiting discrimination, including but not limited to the Civil Rights Act of 1964, the Americans with Disabilities Act of 1990, and the California Fair Employment and Housing Act. Consultant shall not discriminate against any employee or applicant for employment on the basis of race, religious creed, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, military and veteran status, or any other legally protected characteristic. Consultant shall ensure that the evaluation and treatment of its employees and applicants for employment are free from such discrimination and harassment. Consultant shall include a similar non-discrimination provision in all subcontracts related to the performance of this Agreement.
19. Limitations upon Subcontracting and Assignment. Consultant acknowledges that the services which Consultant shall provide under this Agreement are unique, personal services which, except as otherwise provided herein, Consultant shall not assign or sublet to any other party without the prior written approval of City, which approval may be withheld in the City's sole and absolute discretion. In the event that the City, in writing, approves any assignment or subletting of this Agreement or the retention of subcontractors by Consultant, Consultant shall provide to the City upon request copies of each and every subcontract prior to the execution thereof by Consultant and subcontractor. Any attempt by Consultant to assign any or all of its rights under this Agreement without first obtaining the City's prior written consent shall constitute a material default under this Agreement.
The sale, assignment, transfer or other disposition, on a cumulative basis, of twenty-five percent (25%) or more of the ownership interest in Consultant or twenty-five percent (25%) or more the voting control of Consultant (whether Consultant is a corporation, limited liability company, partnership, joint venture or otherwise) shall constitute an assignment for purposes of this Agreement. Further, the involvement of Consultant or its assets in any transaction or series of transactions (by way of merger, sale, acquisition, financing, transfer, leveraged buyout or otherwise), whether or not a formal assignment or hypothecation of this 5 Agreement or Consultant's assets occurs, which reduces Consultant's assets or net worth by twenty-five percent (25%) or more shall also constitute an assignment for purposes of this Agreement.
20. Subcontractors. Consultant shall provide properly skilled professional and technical personnel to perform any approved subcontracting duties. Consultant shall not engage the services of any person or persons now employed by the City without the prior written approval of City, which approval may be withheld in the City's sole and absolute discretion.
21. Integration. This Agreement constitutes the entire agreement between the parties concerning the subject matter hereof and supersedes any previous oral or written agreement; provided, however, that correspondence or documents exchanged between Consultant and City may be used to assist in the interpretation of the exhibits to this Agreement.
22. Amendment. This Agreement may be amended or modified only by a subsequent written amendment executed by both parties.
23. Conflicting Provisions. In the event of a conflict between the terms and conditions of this Agreement and those of any exhibit or attachment hereto, this Agreement proper shall prevail. In the event of a conflict between the terms and conditions of any two or more exhibits or attachments hereto, those prepared by the City shall prevail over those prepared by Consultant.
24. Non-Exclusivity. Notwithstanding any provision herein to the contrary, the services provided by Consultant hereunder shall be non-exclusive, and City reserves the right to employ other contractors in connection with the project.
25. Exhibits. All exhibits hereto are made a part hereof and incorporated herein by reference; provided, however, that any language in Exhibit "A" which does not pertain to the project description, proposal, or scope of services (as applicable) to be provided by Consultant, or any corresponding responsibilities of City, shall be deemed extraneous to, and not a part of, this Agreement.
26. Time of Essence. Time is of the essence of this Agreement.
27. Confidentiality. To the extent permissible under law, Consultant shall keep confidential its obligations hereunder and the information acquired during the performance of the project or services hereunder.
28. Third Parties. Nothing herein shall be interpreted as creating any rights or benefits in any third parties.
many third parties. For purposes here, trees sees rea
6 29. Governing Law and Venue. This Agreement shall be construed in accordance with the laws of the State of California without regard to principles of conflicts of law.
Venue for any litigation or other action arising hereunder shall reside exclusively in the Superior Court of the County of Los Angeles, Southwest Judicial District.
30. Attorneys' Fees. In the event either party to this Agreement brings any action to enforce or interpret this Agreement, the prevailing party in such action shall be entitled to reasonable attorneys' fees (including expert witness fees) and costs.
This provision shall survive the termination of this Agreement.
31. Claims. Any claim by Consultant against City hereunder shall be subject to Government Code §§ 800 et seq. The claims presentation provisions of said Act are hereby modified such that the presentation of all claims hereunder to the City shall be waived if not made within six (6) months after accrual of the cause of action.
32. Interpretation. Consultant acknowledges that it has had ample opportunity to seek legal advice with respect to the negotiation of this Agreement. This Agreement shall be interpreted as if drafted by both parties.
33. Warranty. In the event that any product shall be provided to the City as part of this Agreement, Consultant warrants as follows: Consultant possesses good title to the product and the right to transfer the product to City; the product shall be delivered to the City free from any security interest or other lien; the product meets all specifications contained herein; the product shall be free from material defects in materials and workmanship under normal use for a period of one (1) year from the date of delivery; and the product shall be fit for its intended purposes).
Notwithstanding the foregoing, consumable and maintenance items (such as light bulbs and batteries) shall be warranted for a period of thirty (30) days from the date of delivery. All repairs during the warranty period shall be promptly performed by Consultant, at Consultant's expense, including shipping. Consultant shall not be liable under this warranty for an amount greater than the amount set forth in Exhibit "C" hereto.
34. Severance. Any provision of this Agreement that is found invalid or unenforceable shall be deemed severed and all remaining provisions of this Agreement shall remain enforceable to the fullest extent permitted by law.
35. Authority. City warrants and represents that upon City Council approval, the Mayor of the City of Redondo Beach is duly authorized to enter into and execute this Agreement on behalf of City. The party signing on behalf of Consultant warrants and represents that he or she is duly authorized to enter into and execute this Agreement on behalf of Consultant, and shall be personally liable to City if he or she is not duly authorized to enter into and execute this Agreement on behalf of Consultant.
7 Waiver. The waiver by the City of any breach of any term or provision of this Agreement shall not be construed as a waiver of any subsequent breach.
SIGNATURES FOLLOW ON NEXT PAGE
IN WITNESS WHEREOF, the parties have executed this Agreement in Redondo Beach, California, as of this 2nd day of September, 2025.
CITY OF REDONDO BEACH, KEYSER MARSTON ASSOCIATES, INC., a chartered municipal corporation a California corporation - DocuSigned by:
kathleen Head
By: :FA820E32CDF48
James A. Light, Mayor lame: Kathleen Hea
Title: President and Managing Principal
ATTEST: APPROVED:
Signed by:
Diane Strickfaden
- ABED&CF35EEF48C..
Eleanor Manzano, City Clerk Diane Strickfaden, Risk Manager APPROVED AS TO FORM:
Joy A. Ford, City Attorney
9 EXHIBIT "A"
PROJECT DESCRIPTION AND/OR SCOPE OF SERVICES
CONSULTANT'S DUTIES
Upon the City's request, Consultant shall perform disposition and financial advisory consulting services for the City, including but not be limited to, the following services.
1. Consult, assist, and advise the City with respect to marketing, financial and disposition issues.
2. Participate in formal and informal discussions and presentations with potential developers and community officials.
3. Undertake an evaluation of existing economic feasibility studies and prepare the highest and best use analysis.
4. Perform financial testing of land use and development concepts, including review of projected development cost, income, and financing for private capital.
5. Advise on alternative financing options for a public private partnership, including funding of public improvements and private investment.
6. Structure options for land disposition business terms, including reuse fair market value and reuse value, ground leases and participating land sales.
7. Assist City staff in drafting documents, including without limitation the Summary Report under Section 33433 pursuant to the California Redevelopment Law.
8. Establish an ongoing, annual monitoring process for affordable housing units that are subject to income and affordability restrictions.
9. Perform any other duties, such as affordable housing analysis. 10 EXHIBIT "B"
TERM AND TIME OF COMPLETION
TERM. This Agreement shall commence on November 1, 2025, and continue until October 31, 2026, unless otherwise terminated as herein provided. Consultant shall perform the services described herein within a time schedule as mutually agreed upon by both parties.
EXHIBIT "C"
COMPENSATION
Provided Consultant is not in default under this Agreement, Consultant shall be compensated as provided below.
1. AMOUNT. Consultant shall be paid in accordance with the following hourly rate schedule.
Staff Title Hourly
Rate
Chairman, President, Managing Principals* $305.00
Senior Principals* $295.00
Principals* $275.00
Managers* $245.00
Senior Associates $205.00
Associates $185.00
Senior Analysts $170.00
Analysts $145.00
Technical Staff $105.00
Administrative Staff $90.00
* Rates for individuals in these categories will be increased by 50% for time spent in court testimony
2. EXPENSES. Consultant shall be reimbursed for expenses at cost; provided however, that Consultant obtains City's prior written authorization for any individual expense exceeding $200 and provides documentation evidencing the expenditure. Reimbursable expenses include auto mileage, parking, delivery, electronic data processing, graphics and printing, airfares, hotels and motels, meals, car rentals, and taxies. All expenses must be reasonable.
Reimbursement may be denied at the City's sole discretion if those expenses are deemed unreasonable.
3. NOT TO EXCEED AMOUNT. Notwithstanding the foregoing, the total amount paid to Consultant, including reimbursable expenses shall not exceed $34,999.
4. METHOD OF PAYMENT. Consultant shall provide monthly invoices to City for approval and payment. Invoices must be based on the number of hours worked, staff title, applicable billing rate, subcontractor costs (if applicable), 12 and expenses incurred (if applicable), in the month prior to the invoice submission. Invoices must be itemized, adequately detailed, based on accurate records, and in a form reasonably satisfactory to City, and attach the prior written authorization of the City (if applicable) and copies of receipts to substantiate expense requests. Consultant shall provide any other back- up material upon request.
5. SCHEDULE FOR PAYMENT. City agrees to pay Consultant within thirty (30) days of the City's receipt of the monthly invoice.
6. NOTICE. Written notices to City and Consultant shall be given by registered or certified mail, postage prepaid, email, or personally served, and addressed to the following parties.
Consultant: Keyser Marston Associates, Inc.
777 South Figueroa Street, Suite 2555
Los Angeles, CA 90017
Attn: Kathe Head
City: city of Redondo Beac
fommunity Service Departmen
1922 Artesia Blvd
Redondo Beach, CA 90278
Attn: Elizabeth Hause, Community Services Director
All notices, including notices of address changes, provided under this Agreement are deemed received as follows: (1) on the third day after mailing if sent by registered or certified mail; or (2) 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.
13 EXHIBIT "D"
INSURANCE REQUIREMENTS FOR CONSULTANTS
Without limiting Consultant's indemnification obligations under this Agreement, Consultant shall procure and maintain for the duration of the contract insurance against claims for injuries to persons or damages to property which may arise from or in connection with the performance of the work hereunder by the Consultant, its agents, representatives, or employees.
Minimum Scope of Insurance
Coverage shall be at least as broad as:
Insurance Services Office Commercial General Liability coverage (occurrence form CG 0001).
Insurance Services Office form number CA 0001 (Ed. 1/87) covering Automobile Liability, code 1 (any auto).
Workers' Compensation insurance as required by the State of California.
Employer's Liability Insurance.
Minimum Limits of Insurance
Consultant shall maintain limits no less than:
General Liability: $2,000,000 per occurrence for bodily injury, personal injury and property damage. The general aggregate limit shall apply separately to this project.
Automobile Liability: $1,000,000 per accident for bodily injury and property damage.
Employer's Liability: $1,000,000 per accident for bodily injury or disease.
Deductibles and Self-Insured Retentions
Any deductibles or self-insured retentions must be declared to and approved by the City.
At the option of the City, either: (1) the insurer shall reduce or eliminate such deductibles or self-insured retentions as respects the City, its officers, officials, employees and volunteers or (2) the Consultant shall provide a financial guarantee satisfactory to the City guaranteeing payment of losses and related investigations, claim administration and defense expenses.
14 Other Insurance Provisions
The general liability and automobile liability policies are to contain, or be endorsed to contain, the following provisions:
Additional Insured Endorsement:
General Liability: The City, its officers, elected and appointed officials, employees, and volunteers shall be covered as insureds with respect to liability arising out of work erformed by or on behalf of the Consultant. General liability coverage can be provider n the form of an endorsement to the Consultant's insurance, or as a separate owner' policy.
Automobile Liability: The City, its officers, elected and appointed officials, employees, and volunteers shall be covered as insureds with respect to liability arising out of automobiles owned, leased, hired or borrowed by or on behalf of the Consultant.
For any claims related to this project, the Consultant's insurance coverage shall be primary insurance as respects the City, its officers, elected and appointed officials, employees, and volunteers. Any insurance or self-insurance maintained by the City, its officers, officials, employees, or volunteers shall be excess of the Consultant's insurance and shall not contribute with it.
Each insurance policy required by this clause shall be endorsed to state that coverage shall not be canceled by either party, except after thirty (30) days prior written notice by certified mail, return receipt requested, has been given to the City.
Each insurance policy shall be endorsed to state that the inclusion of more than one insured shall not operate to impair the rights of one insured against another insured, and the coverages afforded shall apply as though separate policies had been issued to each insured.
Each insurance policy shall be in effect prior to awarding the contract and each insurance policy or a successor policy shall be in effect for the duration of the project. The maintenance of proper insurance coverage is a material element of the contract and failure to maintain or renew coverage or to provide evidence of renewal may be treated by the City as a material breach of contract on the Consultant's part.
Acceptability of Insurers
Insurance shall be placed with insurers with a current A.M. Best's rating of no less than A: VII and which are authorized to transact insurance business in the State of California by the Department of Insurance.
15 Verification of Coverage
Consultant shall furnish the City with original certificates and amendatory endorsements effecting coverage required by this clause. The endorsements should be on the City authorized forms provided with the contract specifications. Standard ISO forms which shall be subject to City approval and amended to conform to the City's requirements may be acceptable in lieu of City authorized forms. All certificates and endorsements shall be received and approved by the City before the contract is awarded. The City reserves the right to require complete, certified copies of all required insurance policies, including endorsements effecting the coverage required by these specifications at any time.
Subcontractors
Consultant shall include all subcontractors as insured under its policies or shall furnish eparate certificates and endorsements for each subcontractor. All coverages fo ubcontractors shall be subiect to all of the requirements stated herein Risk Management
Consultant acknowledges that insurance underwriting standards and practices are subject to change, and the City reserves the right to make changes to these provisions in he reasonable discretion of its Risk Manager.
16 CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) ACORD® 11/30/2024
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.
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 endorsements).
CONTACT Halidee Callejas
PRODUCER NAME
Symphony Risk Solutions, LLC PHONE . (972) 864-0400 FAC. No): (972) 278-8400 A/C. No. Ext:
2425 N Central Expy E-MAI [email protected]
ADDRESS:
Suite 900 INSURERS) AFFORDING COVERAGE NAIC #
Richardson TX 75080 INSURER A : Massachusetts Bay Insurance Co. 22306 INSURED INSURER B: Allmerica Financial Benefit Ins. Co. 41840 Keyser Marston Associates, Inc. Scottsdale Indemnity Company 15580 INSURER C :
1299 4th Street Suite 408 INSURER D:
INSURER E :
San Rafael CA 94901 INSURER F:
COVERAGES CERTIFICATE NUMBER: 2024-2025 REVISION NUMBER:
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
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
INSR TADDL SUBRT POLICY NUMBER LIMITS
LTR TYPE OF INSURANCE INSD WVD
X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE Is 1,000,000
CLAIMS-MADE X OCCUR DAMAGE TO RENTED
PREMISES (Ea occurrence) 1: 10000
MED EXP (Any one person)
A ZDFA49104910 12/01/2024 12/01/2025 PERSONAL & ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY X PECT JECT LOC PRODUCTS -COMPIOPAGG s Included
OTHER:
AUTOMOBILE LIABILITY COMBINED SINGLE LIMI $ 1,000,000
Ea accident
X ANYAUTO BODILY INJURY (Per person)
B OWNED 1 SCHEDULED AWFA490049 12/01/2024| 12/01/2025 BODILY INJURY (Per accident)
AUTOS ONLY AUTOS
X AUTOS X NON-OWNED PROPERTY DAMAGE
AUTOS ONLY AUTOS ONLY
X Coll $500 X Comp $500 (Per accidend motoris $ 1,000,000 X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $ 4,000,000
A EXCESS LIAB UHFA49117110 12/01/2024 12/01/2025 AGGREGATE $ 4,000,000
CLAIMS-MADE
DED X RETENTION $ 0.00
WORKERS COMPENSATION STATUTE T OTH
AND EMPLOYERS' LIABILITY YIN
VY PROPRIETOR/PARTNER/EXECUTIV N/A E.L. EACH ACCIDENT
SEICERIMEMRER EXCILDEN
(Mandatory in NH) E.L. DISEASE - EA EMPLOYEE S
_DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT Each Claim $2,000,000
EKI3550800 12/01/2024 12/01/2025 Aggregate Limit $4,000,000 Retro Date 11/11/1976
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
CERTIFICATE HOLDER CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of Redondo Beach ACCORDANCE WITH THE POLICY PROVISIONS.
Community Services Department
1922 Artesia Blvd AUTHORIZED REPRESENTATIVE
Redondo Beach CA 90278 van Marrewich
© 1988-2015 ACORD CORPORATION. All rights reserved.
ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD Policy No ZDFA49104910
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
COMMERCIAL GENERAL LIABILITY BROADENING ENDORSEMENT
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SUMMARY OF COVERAGES
1. Additional Insured by Contract, Agreement or Permit Included
2. Additional Insured - Primary and Non-Contributory Included
3. Blanket Waiver of Subrogation Included
4. Bodily Injury Redefined Included
5. Broad Form Property Damage - Borrowed Equipment, Customers Goods & Use of Elevators Included
6. Knowledge of Occurrence Included
7. Liberalization Clause Included
8. Medical Payments - Extended Reporting Period Included
9. Newly Acquired or Formed Organizations - Covered until end of policy period Included
10. Non-owned Watercraft 51 ft.
11. Supplementary Payments Increased Limits
- Bail Bonds $2,500
- Loss of Earnings $1000
12. Unintentional Failure to Disclose Hazards Included
13. Unintentional Failure to Notify Included
This endorsement amends coverages provided under the Commercial General Liability Coverage Part through new coverages, higher limits and broader coverage grants.
Additional Insured by Contract, Agreement or (1) "Your work" for the additional insured(s) Permit designated in the contract, agreement or
The following is added to SECTION II - WHO IS permit;
AN INSURED: (2) Premises you own, rent, lease or occupy; Additional Insured by Contract, Agreement or
Permit (3) Your maintenance, operation or use of
a. Any person or organization with whom you equipment leased to you. agreed in a written contract, written agreement b. The insurance afforded to such additional or permit that such person or organization to insured described above:
add an additional insured on your policy is an (1) Only applies to the extent permitted by additional insured only with respect to liability law; and for "bodily injury", . "property damage", or
"personal and advertising injury" caused, in (2) Will not be broader than the insurance whole or in part, by your acts or omissions, or which you are required by the contract, the acts or omissions of those acting on your agreement or permit to provide for such behalf, but only with respect to: additional insured.
421-2915 06 15 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 4 ZDF A491049 5701518
(3) Applies on a primary basis if that is advertising injury" involved the rendering required by the written contract, written of or failure to render any professional agreement or permit. services by or for you.
(4) Will not be broader than coverage d. With respect to the insurance afforded to provided to any other insured. these additional insureds, the following is (5) Does not apply if the "bodily injury", added to SECTION III - LIMITS "property damage" or "personal and INSURANCE:
advertising injury" is otherwise excluded The most we will pay on behalf of the from coverage under this Coverage Part, additional insured for a covered claim is the including any endorsements thereto. lesser of the amount of insurance:
c. This provision does not apply: 1. Required by the contract, agreement or (1) Unless the written contract or written permit described in Paragraph a.; or agreement was executed or permit was 2. Available under the applicable Limits of issued prior to the "bodily injury", "property Insurance shown in the Declarations. damage", or "personal injury and This endorsement shall not increase the advertising injury". applicable Limits of Insurance shown in the (2) To any person or organization included as
an insured by another endorsement
2. Additional Insured - Primary and Non-
issued by us and made part of this Contributory
Coverage Part.
The following is added to SECTION IV -
(3) To any lessor of equipment: COMMERCIAL GENERAL LIABILITY (a) After the equipment lease expires; or CONDITIONS, Paragraph 4. Other insurance:
(b) If the "bodily injury", "property Additional Insured - Primary and Non- damage", "personal and advertising Contributory
injury" arises out of sole negligence of If you agree in a written contract, written the lessor
agreement or permit that the insurance provided to
(4) To any: any person or organization included as an
Additional Insured under SECTION II - WHO IS
(a) Owners or other interests from. whom
land has been leased which takes AN INSURED, is primary and non-contributory, place after the lease for the land ex- the following applies:
pires; or If other valid and collectible insurance is available to the Additional Insured for a loss covered under
(b) Managers or lessors of premises if:
Coverages A or B of this Coverage Part, our
(i) The occurrence takes place after obligations are limited as follows:
you cease to be a tenant in that
premises; or a. Primary Insurance
(ii) The "bodily injury", "property This insurance is primary to other insurance damage", "personal injury" or that is available to the Additional Insured "advertising injury" arises out of which covers the
structural alterations, new con- Additional Insured as a Named Insured. We struction or demolition operations will not seek contribution from any other performed by or on behalf of the insurance available to the Additional Insured manager or lessor. except:
(5) To "bodily injury", "property damage" or (1) For the sole negligence of the Additional rong i or the are e Insured;
(2) When the Additional Insured is an
render any professional services. Additional Insured under another primary This exclusion applies even if the claims liability policy; or against any insured allege negligence or
(3) when b. below applies.
other wrongdoing in the supervision,
hiring, employment, training or monitoring If this insurance is primary, our obligations are of others by that insured, not affected unless any of the other insurance "occurrence" which caused the "bodily is also primary. Then, we will share with all injury" or "property damage" or the offense that other insurance by the method described which caused the "personal and in c. below.
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b. Excess Insurance insurer contributes equal amounts until it has (1) This insurance is excess over any of the paid its applicable limit of insurance or none of other insurance, whether primary, excess, the loss remains, whichever comes first. If any contingent or on any other basis: of the other insurance does not permit contribution by equal shares, we will contribute
(a) That is Fire, Extended Coverage, by limits. Under this method, each insurer's Builder's Risk, Installation Risk or share is based on the ratio of its applicable similar coverage for "your work"; limit of insurance to the total applicable limits (b) That is Fire insurance for premises of insurance of all insurers rented to the Additional Insured or 3. Blanket Waiver of Subrogation temporarily occupied by the Additional
Insured with permission of the owner; The following is added to SECTION IV -
COMMERCIAL GENERAL LIABILITY
(c) That is insurance purchased by the CONDITIONS, Paragraph 8. Transfer Of Rights Additional Insured to cover the
Of Recovery Against Others To Us:
Additional Insured's liability as a
tenant for "property damage" to We waive any right of recovery we may have premises rented to the Additional against any person or organization with whom you Insured or temporarily occupied by the have a written contract that requires such waiver Additional with permission of the because of payments we make for damage under this coverage form. The damage must arise out of
owner; or
your activities under a written contract with that
(d) If the loss arises out of the person or organization. This waiver applies only to maintenance or use of aircraft, "autos" the extent that subrogation is waived under a or watercraft to the extent not subject written contract executed prior to the "occurrence" to Exclusion g. of SECTION | - or offense giving rise to such payments.
COVERAGE A - BODILY INURY
AND PROPERTY DAMAGE 4. Bodily Injury Redefined
LIABILITY. SECTION V - DEFINITIONS, Definition 3. "bodily (2) When this insurance is excess, we will injury" is replaced by the following:
have no duty under Coverages A or B to 3. "Bodily injury" means bodily injury, sickness or defend the insured against any "suit" if any disease sustained by a person including death other insurer has a duty to defend the resulting from any of these at any time. "Bodily against that "suit". If no other injury" includes mental anguish or other insurer defends, we will undertake to do mental injury resulting from "bodily injury". so, but we will be entitled to the insured's 5. Broad Form Property Damage - Borrowed rights against all those other insurers. Equipment, Customers Goods, Use of 3) When this insurance is excess over other Elevators
Insurance, we will pay only our share of a. SECTION I - COVERAGES, COVERAGE A - the amount of the loss, if any, that BODILIY INJURY AND PROPERTY DAMAGE LIABILITY, Paragraph 2.
(a) The total amount that all such other Exclusions subparagraph j. is amended as insurance would pay for the loss in the
absence of this insurance; and Paragraph (4) does not apply to "property (b) The total of all deductible and self damage" to borrowed equipment while at a insured amounts under all that other jobsite and not being used to perform insurance. operations.
We will share the remaining loss, if any, Paragraphs (3), (4) and (6) do not apply to with any other insurance that is not "property damage" to "customers goods" while on your premises nor do they apply to the use
provision in wasee be the Licis ly of elevators at premises you own, rent, lease the Limits of or occupy.
Insurance shown in the Declarations of b.
The following is added to SECTION V -
this Coverage Part. DEFINTIONS:
c. Method Of Sharing 24. "Customers goods" means property of If all of the other insurance permits your customer on your premises for the contribution by equal shares, we will follow this purpose of being:
method also. Under this approach each
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a. worked on; or 10. Non-Owned Watercraft
b. used in your manufacturing process. SECTION 1 - COVERAGES, COVERAGE A c. The insurance afforded under this provision is BODILY INJURY AND PROPERTY DAMAGE LIABILITY, Paragraph 2. Exclusions,
excess over any other valid and collectible
property insurance (including deductible) subparagraph g.(2) is replaced by the following:
available to the insured whether primary, g. Aircraft, Auto Or Watercraft excess, contingent (2) A watercraft you do not own that is:
6. Knowledge of Occurrence (a) Less than 51 feet long; and The following is added to SECTION IV - (b) Not being used to carry persons or
COMMERCIAL GENERAL LIABILITY
property for a charge;
CONDITIONS, Paragraph 2. Duties in the Event
of Occurrence, Offense, Claim or Suit: This provision applies to any person who, with your consent, either uses or is
e. Notice of an "occurrence", offense, claim or responsible for the use of a watercraft. "suit" will be considered knowledge of the
insured if reported to an individual named 11. Supplementary Payments Increased Limits insured, partner, executive officer or an SECTION | - SUPPLEMENTARY PAYMENTS "employee" designated by you to give us such COVERAGES A AND B, Paragraphs 1.b. and a notice. 1.d. are replaced by the following:
7. Liberalization Clause 1.b. Up to $2,500 for cost of bail bonds required The following is added to SECTION IV - because of accidents or traffic law violations COMMERCIAL GENERAL LIABILITY arising out of the use of any vehicle to which CONDITIONS: the Bodily Injury Liability Coverage applies.
We do not have to furnish these bonds.
Liberalization Clause
1.d.All reasonable expenses incurred by the
If we adopt any revision that would broaden the insured at our request to assist us in the coverage under this Coverage Form without
investigation or defense of the claim or "suit",
additional premium, within 45 days prior to or including actual loss of earnings up to $1000 a during the policy period, the broadened coverage day because of time off from work. will immediately apply to this Coverage Part.
12. Unintentional Failure to Disclose Hazards
8. Medical Payments - Extended Reporting
Period The following is added to SECTION IV -
COMMERCIAL GENERAL LIABILITY
a. SECTION I - COVERAGES, COVERAGE C - CONDITIONS, Paragraph 6. Representations:
MEDICAL PAYMENTS, Paragraph
Insuring Agreement, subparagraph a.(3)(b) We will not disclaim coverage under this Coverage is replaced by the following: Part if you fail to disclose all hazards existing as of the inception date of the policy provided such
(b) The expenses are incurred and reported failure is not intentional. to us within three years of the date of the
accident; and 13. Unintentional Failure to Notify
b. This coverage does not apply if COVERAGE The following is added to SECTION IV - C - MEDICAL PAYMENTS is excluded either COMMERCIAL GENERAL LIABILITY by the provisions of the Coverage Part or by
9. Newly Acquired Or Formed Organizations Your rights afforded under this policy shall not be prejudiced if you fail to give us notice of an
SECTION II - WHO IS AN INSURED, Paragraph "occurrence", offense, claim or "suit", solely due to
3.a. is replaced by the following: your reasonable and documented belief that the a. Coverage under this provision is afforded until 'bodily injury" or "property damage" is not covere the end of the policy period. under this policy.
ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. 421-2915 06 15 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 4 of 4 Keyser Marston Associates, Inc
Policy No: AWFA490049
COMMERCIAL AUTO
CA 00 01 03 06
BUSINESS AUTO COVERAGE FORM
Various provisions in this policy restrict coverage. SECTION I - COVERED AUTOS Read the entire policy carefully to determine rights, Item Two of the Declarations shows the "autos" that duties and what is and is not covered. are covered "autos" for each of your coverages. The Throughout this policy the words "you" and "your" refer following numerical symbols describe the "autos" that to the Named Insured shown in the Declarations. The may be covered "autos". The symbols entered next to words "we", "us" and "our" refer to the Company pro- a coverage on the Declarations designate the only viding this insurance. "autos" that are covered "autos".
Other words and phrases that appear in quotation A. Description Of Covered Auto Designation marks have special meaning. Refer to Section V - Symbols Definitions.
Symbol Description Of Covered Auto Designation Symbols
1 Any "Auto"
2 Owned "Autos" Only those "autos" you own (and for Liability Coverage any "trailers" you don't own Only while attached to power units you own). This includes those "autos" you acquire ownership of after the policy begins.
3 Owned Private Only the private passenger "autos" you own. This includes those private passenger Passenger "autos" you acquire ownership of after the policy begins. "Autos" Only
4 Owned "Autos" Only those "autos" you own that are not of the private passenger type (and for Li- Other Than Pri- ability Coverage any "trailers" you don't own while attached to power units you vate Passenger own). This includes those "autos" not of the private passenger type you acquire "Autos" Only ownership of after the policy begins.
5 Owned "Autos" Only those "autos" you own that are required to have No-Fault benefits in the state Subject To No- where they are licensed or principally garaged. This includes those "autos" you ac- Fault quire ownership of after the policy begins provided they are required to have No- Fault benefits in the state where they are licensed or principally garaged. 6 Owned "Autos" Only those "autos" you own that because of the law in the state where they are li- Subject To A censed or principally garaged are required to have and cannot reject Uninsured Compulsory Un- Motorists Coverage. This includes those "autos" you acquire ownership of after the insured Motor- policy begins provided they are subject to the same state uninsured motorists re- ists Law quirement.
7 Specifically De- Only those "autos" described in Item Three of the Declarations for which a pre- mium charge is shown (and for Liability Coverage any "trailers" you don't own while 8 Hired "Autos" Only those "autos" you lease, hire, rent or borrow. This does not include any "auto' Only you lease, hire, rent, or borrow from any of your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their 9 Nonowned Only those "autos" you do not own, lease, hire, rent or borrow that are used in con "Autos" Only nection with your business. This includes "autos" owned by your "employees", part ners (if you are a partnership), members (if you are a limited liability company), or members of their households but only while used in your business or your personal affairs.
CA 00 01 03 06 © ISO Properties, Inc., 2005 Page 1 of 12 • Keyser Marston Associates, Inc
Policy No: AWFA490049
19 Mobile Equip- Only those "autos" that are land vehicles and that would qualify under the definition ment Subject To of "mobile equipment" under this policy if they were not subject to a compulsory or Compulsory Or financial responsibility law or other motor vehicle insurance law where they are li- Financial Re- censed or principally garaged.
sponsibility Ur
Other Motor Ve-
hicle Insurance
Law Only
B. Owned Autos You Acquire After The Policy SECTION II - LIABILITY COVERAGE Begins A. Coverage
1. If Symbols 1, 2, 3, 4, 5, 6 or 19 are entered We will pay all sums an "insured" legally must pay next to a coverage in Item Two of the Declara- as damages because of "bodily injury" or "property tions, then you have coverage for "autos" that damage" to which this insurance applies, caused you acquire of the type described for the re by an "accident" and resulting from the ownership, mainder of the policy period. maintenance or use of a covered "auto".
2. But, if Symbol 7 is entered next to a coverage We will also pay all sums an "insured" legally must in Item Two of the Declarations, an "auto" you pay as a "covered pollution cost or expense" to acquire will be a covered "auto" for that cover- which this insurance applies, caused by an "acci- age only if: dent" and resulting from the ownership, mainte- a. We already cover all "autos" that you own nance or use of covered "autos". However, we will for that coverage or it replaces an "auto" only pay for the "covered pollution cost or ex- you previously owned that had that cover- pense" if there is either "bodily injury" or "property age; and damage" to which this insurance applies that is caused by the same "accident".
b. You tell us within 30 days after you acquire
it that you want us to cover it for that cover- We have the right and duty to defend any "insured" age. against a "suit" asking for such damages or
C. Certain Trailers, Mobile Equipment And "covered pollution cost or expense". However, we Temporary Substitute Autos have no duty to defend any "insured" against a "suit" seeking damages for "bodily injury" or "prop-
If Liability Coverage is provided by this Coverage erty damage" or a "covered pollution cost or ex- Form, the following types of vehicles are also cov- pense" to which this insurance does not apply. We ered "autos" for Liability Coverage: may investigate and settle any claim or "suit" as we
1. "Trailers" with a load capacity of 2,000 pounds consider appropriate. Our duty to defend or settle or less designed primarily for travel on public ends when the Liability Coverage Limit of Insur- roads. ance has been exhausted by payment of judg-
ments or settlements.
2. "Mobile equipment" while being carried or
towed by a covered "auto". 1. Who Is An Insured
The following are "insureds":
a. You for any covered "auto".
service because of its: b. Anyone else while using with your permis- sion a covered "auto" you own, hire or bor-
a. Breakdown; row except:
b. Repair; (1) The owner or anyone else from whom
c. Servicing; you hire or borrow a covered "auto". This d. "Loss"; or exception does not apply if the covered
"auto" is a "trailer" connected to a cov-
e. Destruction. ered "auto" you own.
Keyser Marston Associates, Inc
Policy No: AWFA490049
(2) Your "employee" if the covered "auto" is b. Out-Of-State Coverage Extensions owned by that "employee" or a member While a covered "auto" is away from the of his or her household. state where it is licensed we will:
(3) Someone using a covered "auto" while (1) Increase the Limit of Insurance for Li- he or she is working in a business of ability Coverage to meet the limits speci- selling, servicing, repairing, parking or fied by a compulsory or financial re- storing "autos" unless that business is sponsibility law of the jurisdiction where the covered "auto" is being used. This
extension does not apply to the limit or
limits specified by any law governing
motor carriers of passengers or prop-
company), or a lessee or borrower or erty.
any of their "employees", while moving (2) Provide the minimum amounts and property to or from a covered "auto". types of other coverages, such as no- (5) A partner (if you are a partnership), or a fault, required of out-of-state vehicles by member (if you are a limited liability the jurisdiction where the covered "auto" company) for a covered "auto" owned by is being used.
him or her or a member of his or her
We will not pay anyone more than once for
household. the same elements of loss because of
c. Anyone liable for the conduct of an "in- these extensions. sured" described above but only to the ex- B. Exclusions tent of that liability.
This insurance does not apply to any of the follow-
2. Coverage Extensions
a. Supplementary Payments 1. Expected Or Intended Injury We will pay for the "insured": "Bodily injury" or "property damage" expected (1) All expenses we incur. or intended from the standpoint of the "in- (2) Up to $2,000 for cost of bail bonds (in- sured".
cluding bonds for related traffic law vio- 2. Contractual lations) required because of an "acci- Liability assumed under any contract or agree- dent we cover. We do not have to fur- ment.
nish these bonds.
But this exclusion does not apply to liability for
(3) The cost of bonds to release attach- damages:
ments in any "suit" against the "insured"
we defend, but only for bond amounts a. Assumed in a contract or agreement that is within our Limit of Insurance. an "insured contract" provided the "bodily in- jury" or "property damage" occurs subse-
(4) All reasonable expenses incurred by the quent to the execution of the contract or "insured" at our request, including actual agreement; or loss of earnings up to $250 a day be- b. That the "insured" would have in the ab- cause of time off from work.
sence of the contract or agreement.
(5) All costs taxed against the "insured" ir
any "suit" against the "insured" we de 3. Workers' Compensation fend. Any obligation for which the "insured" or the
(6) All interest on the full amount of any "insured's" insurer may be held liable under an! judgment that accrues after entry of the vorkers' compensation, disability benefits o judgment in any "suit" against the "in- unemployment compensation law or any similar sured" we defend, but our duty to pay in- law.
terest ends when we have paid, offered 4. Employee Indemnification And Employer's to pay or deposited in court the part of Liability
the judgment that is within our Limit of "Bodily injury" to:
Insurance.
a. An "employee" of the "insured" arising out of
These payments will not reduce the Limit of and in the course of:
Insurance.
(1) Employment by the "insured"; or
CA 00 01 03 06 © ISO Properties, Inc., 2005 Page 3 of 12 Keyser Marston Associates, Inc
Policy No: AWFA490049
(2) Performing the duties related to the con- 9. Operations duct of the "insured's" business; or "Bodily injury" or "property damage" arising out b. The spouse, child, parent, brother or sister of the operation of:
of that "employee" as a consequence of a. Any equipment listed in Paragraphs 6.b.
Paragraph a. above. and 6.c. of the definition of "mobile equip- This exclusion applies: ment"; or
(1) Whether the "insured" may be liable as b. Machinery or equipment that is on, attached an employer or in any other capacity; to, or part of, a land vehicle that would qual- and ify under the definition of "mobile equip-
(2) To any obligation to share damages with ment" if it were not subject to a compulsory or financial responsibility law or other motor
or repay someone else who must pay vehicle insurance law where it is licensed or damages because of the injury.
principally garaged.
But this exclusion does not apply to "bodily in- 10. Completed Operations jury" to domestic "employees" not entitled to
workers' compensation benefits or to liability "Bodily injury" or "property damage" arising out assumed by the "insured" under an "insured of your work after that work has been com- contract". For the purposes of the Coverage pleted or abandoned.
Form, a domestic "employee" is a person en- In this exclusion, your work means:
gaged in household or domestic work per-
formed principally in connection with a resi- a. Work or operations performed by you or on dence premises. your behalf; and
5. Fellow Employee b. Materials, parts or equipment furnished in connection with such work or operations.
"Bodily injury" to any fellow "employee" of the
"insured" arising out of and in the course of the Your work includes warranties or representa- fellow "employee's" employment or while per- tions made at any time with respect to the fit- forming duties related to the conduct of your ness, quality, durability or performance of any business. of the items included in Paragraph a. or b.
6. Care, Custody Or Control
Your work will be deemed completed at the
"Property damage" to or "covered pollution cost earliest of the following times:
or expense" involving property owned or trans-
ported by the "insured" or in the "insured's (1) When all of the work called for in your care, custody or control. But this exclusion contract has been completed. does not apply to liability assumed under a (2) When all of the work to be done at the sidetrack agreement. site has been completed if your contract
7. Handling Of Property calls for work at more than one site. "Bodily injury" or "property damage" resulting (3) When that part of the work done at a job from the handling of property: site has been put to its intended use by any person or organization other than
a. Before it is moved from the place where it is another contractor or subcontractor accepted by the "insured" for movement working on the same project. into or onto the covered "auto"; or
Work that may need service, maintenance, cor-
b. After it is moved from the covered "auto" to rection, repair or replacement, but which is oth- the place where it is finally delivered by the erwise complete, will be treated as completed. "insured".
11. Pollution
8. Movement Of Property By Mechanical
Device "Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge,
"Bodily injury" or "property damage" resulting dispersal, seepage, migration, release or es- from the movement of property by a mechani- cape of "pollutants" cal device (other than a hand truck) unless the
device is attached to the covered "auto". a. That are, or that are contained in any prop- erty that is:
(1) Being transported or towed by, handled,
or handled for movement into, onto or
from, the covered "auto";
Keyser Marston Associates, Inc
Policy No: AWFA490049
(2) Otherwise in the course of transit by or c. Insurrection, rebellion, revolution, usurped on behalf of the "insured"; or power, or action taken by governmental au- (3) Being stored, disposed of, treated or thority in hindering or defending against any processed in or upon the covered "auto"; of these.
b. Before the "pollutants" or any property in 13. Racing which the "pollutants" are contained are Covered "autos" while used in any professional moved from the place where they are ac- or organized racing or demolition contest or cepted by the "insured" for movement into stunting activity, or while practicing for such or onto the covered "auto"; or contest or activity. This insurance also does not c. After the "pollutants" or any property in apply while that covered "auto" is being pre- which the "pollutants" are contained are pared for such a contest or activity. moved from the covered "auto" to the place C. Limit Of Insurance where they are finally delivered, disposed of Regardless of the number of covered "autos" "in- or abandoned by the "insured". sureds" , premiums paid, claims made or vehicles Paragraph a. above does not apply to fuels, lu- involved in the "accident", the most we will pay for bricants, fluids, exhaust gases or other similar the total of all damages and "covered pollution cost "pollutants" that are needed for or result from or expense" combined, resulting from any one "ac- the normal electrical, hydraulic or mechanical cident" is the Limit of Insurance for Liability Cover- functioning of the covered "auto" or its parts, if: age shown in the Declarations. (1) The "pollutants" escape, seep, migrate, All "bodily injury", "property damage" and "covered or are discharged, dispersed or released pollution cost or expense" resulting from continu- directly from an "auto" part designed by ous or repeated exposure to substantially the its manufacturer to hold, store, receive same conditions will be considered as resulting or dispose of such "pollutants"; and from one "accident". (2) The "bodily injury", "property damage" or No one will be entitled to receive duplicate pay- "covered pollution cost or expense" does ments for the same elements of "loss" under this not arise out of the operation of any Coverage Form and any Medical Payments Cov- denion of mole sund erage Endorsement, Uninsured Motorists Cover- age Endorsement or Underinsured Motorists Cov-
ment. erage Endorsement attached to this Coverage
Paragraphs b. and c. above of this exclusion
do not apply to "accidents" that occur away SECTION III - PHYSICAL DAMAGE COVERAGE from premises owned by or rented to an "in- A. Coverage sured" with respect to "pollutants" not in or
upon a covered "auto" if: 1. We will pay for "loss" to a covered "auto" or its equipment under:
(1) The "pollutants" or any property in which
the "pollutants" are contained are upset, a. Comprehensive Coverage overturned or damaged as a result of the From any cause except:
maintenance or use of a covered "auto";
(1) The covered "auto's" collision with an-
and
other object; or
(2) The discharge, dispersal, seepage, mi- (2) The covered "auto's" overturn. gration, release or escape of the "pollut-
ants" is caused directly by such upset, b. Specified Causes Of Loss Coverage overturn or damage. Caused by:
12. War (1) Fire, lightning or explosion;
"Bodily injury" or "property damage" arising di- (2) Theft; rectly or indirectly out of: (3) Windstorm, hail or earthquake; a. War, including undeclared or civil war; (4) Flood;
b. Warlike action by a military force, including (5) Mischief or vandalism; or action in hindering or defending against an
actual or expected attack, by any govern- (6) The sinking, burning, collision or derail- ment, sovereign or other authority using ment of any conveyance transporting the military personnel or other agents; or covered "auto".
CA 00 01 03 06 © ISO Properties, Inc., 2005 Page 5 of 12 Keyser Marston Associates, Inc
Policy No: AWFA490049
c. Collision Coverage (2) Specified Causes Of Loss only if the Caused by: Declarations indicate that Specified
Causes Of Loss Coverage is provided
(1) The covered "auto's" collision with an- for any covered "auto"; or other object; or
(3) Collision only if the Declarations indicate
(2) The covered "auto's" overturn. that Collision Coverage is provided for
2. Towing any covered "auto".
We will pay up to the limit shown in the Decla- However, the most we will pay for any ex- rations for towing and labor costs incurred each penses for loss of use is $20 per day, to a time a covered "auto" of the private passenger maximum of $600. type is disabled. However, the labor must be B. Exclusions performed at the place of disablement.
1. We will not pay for "loss" caused by or resulting
3. Glass Breakage - Hitting A Bird Or Animal - from any of the following. Such "loss" is ex- Falling Objects Or Missiles cluded regardless of any other cause or event If you carry Comprehensive Coverage for the that contributes concurrently or in any se- damaged covered "auto", we will pay for the fol- quence to the "loss". lowing under Comprehensive Coverage: a. Nuclear Hazard
a. Glass breakage; (1) The explosion of any weapon employing b. "Loss" caused by hitting a bird or animal; atomic fission or fusion; or and (2) Nuclear reaction or radiation, or radioac-
c. "Loss" caused by falling objects or missiles. tive contamination, however caused.
However, you have the option of having glass b. War Or Military Action breakage caused by a covered "auto's" collision (1) War, including undeclared or civil war; or overturn considered a "loss" under Collision
Coverage. (2) Warlike action by a military force, includ- ing action in hindering or defending
4. Coverage Extensions against an actual or expected attack, by a. Transportation Expenses any government, sovereign or other au- We will pay up to $20 per day to a maxi- thority using military personnel or other $600 for temporary transportation agents; or
expense incurred by you because of the to- (3) Insurrection, rebellion, revolution, tal theft of a covered "auto" of the private usurped power or action taken by gov- passenger type. We will pay only for those ernmental authority in hindering or de- covered "autos" for which you carry either fending against any of these.
Comprehensive or Specified Causes of 2. We will not pay for "loss" to any covered "auto" Loss Coverage. We will pay for temporary while used in any professional or organized transportation expenses incurred during the racing or demolition contest or stunting activity, period beginning 48 hours after the theft or while practicing for such contest or activity. and ending, regardless of the policy's expi- We will also not pay for "loss" to any covered ration, when the covered "auto" is returned "auto" while that covered "auto" is being pre- to use or we pay for its "loss". pared for such a contest or activity. b. Loss Of Use Expenses 3. We will not pay for "loss" caused by or resulting For Hired Auto Physical Damage, we will from any of the following unless caused by pay expenses for which an "insured" be- other "loss" that is covered by this insurance:
comes legally responsible to pay for loss of a. Wear and tear, freezing, mechanical or dise of a yet a rented rental coitact or electrical breakdown. under a written rental contract or
agreement. We will pay for loss of use ex- b. Blowouts, punctures or other road damage penses if caused by: to tires.
(1) Other than collision only if the Declara- 4. We will not pay for "loss" to any of the follow- ing:
tions indicate that Comprehensive Cov-
erage is provided for any covered "auto"; a. Tapes, records, discs or other similar audio, visual or data electronic devices designed
for use with audio, visual or data electronic
equipment.
Keyser Marston Associates, Inc
Policy No: AWFA490049
b. Any device designed or used to detect 3. If a repair or replacement results in better than like kind or quality, we will not pay for the
amount of the betterment.
D. Deductible
measurement equipment.
For each covered "auto", our obligation to pay for,
c. Any electronic equipment, without regard to repair, return or replace damaged or stolen prop- whether this equipment is permanently in- erty will be reduced by the applicable deductible stalled, that receives or transmits audio, shown in the Declarations. Any Comprehensive visual or data signals and that is not de- Coverage deductible shown in the Declarations signed solely for the reproduction of sound. does not apply to "loss" caused by fire or lightning. d. Any accessories used with the electronic SECTION IV - BUSINESS AUTO CONDITIONS equipment described in Paragraph c.
above. The following conditions apply in addition to the Common Policy Conditions:
Exclusions 4.c. and 4.d. do not apply to:
A. Loss Conditions
a. Equipment designed solely for the repro-
duction of sound and accessories used with 1. Appraisal For Physical Damage Loss such equipment, provided such equipment If you and we disagree on the amount of "loss" is permanently installed in the covered either may demand an appraisal of the "loss" "auto" at the time of the "loss" or such In this event, each party will select a competent equipment is removable from a housing unit appraiser. The two appraisers will select a which is permanently installed in the cov- competent and impartial umpire. The apprais- ered "auto" at the time of the "loss", ers will state separately the actual cash value such equipment is designed to be solely and amount of "loss". If they fail to agree, they operated by use of the power from the will submit their differences to the umpire. A "auto's" electrical system, in or upon the decision agreed to by any two will be binding. covered "auto"; or Each party will:
b. Any other electronic equipment that is: a. Pay its chosen appraiser; and (1) Necessary for the normal operation of b. Bear the other expenses of the appraisal the covered "auto" or the monitoring of and umpire equally. the covered "auto's" operating system; If we submit to an appraisal, we will still retain or
our right to deny the claim.
(2) An integral part of the same unit housing 2. Duties In The Event Of Accident, Claim, Suit any sound reproducing equipment de- Or Loss
scribed in Paragraph a. above and per-
manently installed in the opening of the We have no duty to provide coverage under dash or console of the covered "auto" this policy unless there has been full compli- normally used by the manufacturer for ance with the following duties:
installation of a radio. a. In the event of "accident", claim, "suit" or
5. We will not pay for "loss" to a covered "auto" "loss", , you must give us or our authorized due to "diminution in value". representative prompt notice of the "acci- dent" or "loss". Include:
C. Limit Of Insurance
1) How, when and where the "accident" o
1. The most we will pay for "loss" in any one "ac- "loss" occurred cident" is the lesser of:
(2) The "insured's" name and address; and
. The actual cash value of the damaged oi
tolen property as of the time of the "loss" (3) To the extent possible, the names and or addresses of any injured persons and
witnesses.
b. The cost of repairing or replacing the dam-
aged or stolen property with other property . Additionally, you and any other involved "in of like kind and quality. sured" must
2. An adjustment for depreciation and physical (1) Assume no obligation, make no payment condition will be made in determining actual or incur no expense without our consent, cash value in the event of a total "loss". except at the "insured's" own cost.
CA 00 01 03 06 © ISO Properties, Inc., 2005 Page 7 of 12 Keyser Marston Associates, Inc
Policy No: AWFA490049
(2) Immediately send us copies of any re- c. Take all or any part of the damaged or sto- quest, demand, order, notice, summons len property at an agreed or appraised or legal paper received concerning the value.
claim or "suit". If we pay for the "loss", our payment will include (3) Cooperate with us in the investigation or the applicable sales tax for the damaged or sto- settlement of the claim or defense len property.
against the "suit". 5. Transfer Of Rights Of Recovery Against (4) Authorize us to obtain medical records Others To Us or other pertinent information. If any person or organization to or for whom we (5) Submit to examination, at our expense, make payment under this Coverage Form has by physicians of our choice, as often as rights to recover damages from another, those we reasonably require. rights are transferred to us. That person or or- c. If there is "loss" to a covered "auto" or its ganization must do everything necessary to se- equipment you must also do the following: cure our rights and must do nothing after "acci- dent" or "loss" to impair them.
(1) Promptly notify the police if the covered
"auto" or any of its equipment is stolen. B. General Conditions (2) Take all reasonable steps to protect the 1. Bankruptcy covered "auto" from further damage. Bankruptcy or insolvency of the "insured" or the Also keep a record of your expenses for "insured's" estate will not relieve us of any obli- consideration in the settlement of the gations under this Coverage Form. claim.
2. Concealment, Misrepresentation Or Fraud
(3) Permit us to inspect the covered "auto" This Coverage Form is void in any case of and records proving the "loss" before its fraud by you at any time as it relates to this repair or disposition. Coverage Form. It is also void if you or any (4) Agree to examinations under oath at our other "insured", at any time, intentionally con- request and give us a signed statement ceal or misrepresent a material fact concern- of your answers. ing:
3. Legal Action Against Us a. This Coverage Form;
No one may bring a legal action against us un- b. The covered "auto"; der this Coverage Form until: c. Your interest in the covered "auto"; or a. There has been full compliance with all the d. A claim under this Coverage Form. terms of this Coverage Form; and
3. Liberalization
b. Under Liability Coverage, we agree in writ-
ing that the "insured" has an obligation to If we revise this Coverage Form to provide pay or until the amount of that obligation more coverage without additional premium has finally been determined by judgment af- charge, your policy will automatically provide ter trial. No one has the right under this pol- the additional coverage as of the day the revi- icy to bring us into an action to determine sion is effective in your state. the "insured's" liability. . No Benefit To Bailee - Physical Damag
4. Loss Payment - Physical Damage overage
Coverages We will not recognize any assignment or grant At our option we may:
a. Pay for, repair or replace damaged or stolen
property;
b. Return the stolen property, at our expense.
We will pay for any damage that results to
the "auto" from the theft; or
Keyser Marston Associates, Inc
Policy No: AWFA490049
5. Other Insurance 7. Policy Period, Coverage Territory a. For any covered "auto" you own, this Cov- Under this Coverage Form, we cover "acci- erage Form provides primary insurance. For dents" and "losses" occurring:
any covered "auto" you don't own, the in- a. During the policy period shown in the Decla- surance provided by this Coverage Form is rations; and
excess over any other collectible insurance.
However, while a covered "auto" which is a b. Within the coverage territory. "trailer" is connected to another vehicle, the The coverage territory is:
Liability Coverage this Coverage Form pro-
a. The United States of America;
vides for the "trailer" is:
b. The territories and possessions of the
(1) Excess while it is connected to a motor
United States of America;
vehicle you do not own.
c. Puerto Rico;
(2) Primary while it is connected to a cov-
ered "auto" you own. d. Canada; and
b. For Hired Auto Physical Damage Coverage, e. Anywhere in the world if:
any covered "auto" you lease, hire, rent or (1) A covered "auto" of the private passen- borrow is deemed to be a covered "auto" ger type is leased, hired, rented or bor- you own. However, any "auto" that is rowed without a driver for a period of 30 leased, hired, rented or borrowed with days or less; and driver is not a covered "auto".
(2) The "insured's" responsibility to pay
c. Regardless of the provisions of Paragraph damages is determined in a "suit" on the a. above, this Coverage Form's Liability merits, in the United States of America, Coverage is primary for any liability as- the territories and possessions of the sumed under an "insured contract". United States of America, Puerto Rico, d. When this Coverage Form and any other or Canada or in a settlement we agree Coverage Form or policy covers on the to.
same basis, either excess or primary, we We also cover "loss" to, or "accidents" involv- will pay only our share. Our share is the ing, a covered "auto" while being transported proportion that the Limit of Insurance of our between any of these places.
Coverage Form bears to the total of the lim-
8. Two Or More Coverage Forms Or Policies
its of all the Coverage Forms and policies
Issued By Us
covering on the same basis.
If this Coverage Form and any other Coverage
6. Premium Audit
Form or policy issued to you by us or any com-
a. The estimated premium for this Coverage pany affiliated with us apply to the same "acci- Form is based on the exposures you told us dent", the aggregate maximum Limit of Insur- you would have when this policy began. We ance under all the Coverage Forms or policies will compute the final premium due when shall not exceed the highest applicable Limit of we determine your actual exposures. The Insurance under any one Coverage Form or estimated premium will be policy. This condition does not apply to any against the final premium due and the first Coverage Form or policy issued by us or an af- Named Insured will be billed for the bal- filiated company specifically to apply as excess ance, if any. The due date for the final pre- insurance over this Coverage Form. mium or retrospective premium is the date SECTION V - DEFINITIONS shown as the due date on the bill. If the es-
timated total premium exceeds the final A. "Accident" includes continuous or repeated expo- premium due, the first Named Insured will sure to the same conditions resulting in "bodily in- get a refund. jury" or "property damage"
b. If this policy is issued for more than one B. "Auto" means:
1. A land motor vehicle, "trailer" or semitrailer de-
signed for travel on public roads; or
of each year of the policy.
CA 00 01 03 06 © ISO Properties, Inc., 2005 Page 9 of 12 Keyser Marston Associates, Inc
Policy No: AWFA490049
2. Any other land vehicle that is subject to a com- Paragraph a. above does not apply to fuels, lu- pulsory or financial responsibility law or other bricants, fluids, exhaust gases or other similar motor vehicle insurance law where it is licensed "pollutants" that are needed for or result from or principally garaged. the normal electrical, hydraulic or mechanical However, "auto" does not include "mobile equip- functioning of the covered "auto" or its parts, if:
ment. (1) The "pollutants" escape, seep, migrate,
C. "Bodily injury" means bodily injury, sickness or dis- or are discharged, dispersed or released ease sustained by a person including death result- directly from an "auto" part designed by ing from any of these. its manufacturer to hold, store, receive or dispose of such "pollutants"; and
D. "Covered pollution cost or expense" means any
cost or expense arising out of: (2) The "bodily injury", "property damage" or "covered pollution cost or expense" does
1. Any request, demand, order or statutory or not arise out of the operation of any regulatory requirement that any "insured" or equipment listed in Paragraph 6.b. or others test for, monitor, clean up, remove, con- 6.c. of the definition of "mobile equip- tain, treat, detoxify or neutralize, or in any way ment. respond to, or assess the effects of "pollut-
ants"; or Paragraphs b. and c. above do not apply to
"accidents" that occur away from premises
2. Any claim or "suit" by or on behalf of a govern- owned by or rented to an "insured" with respect mental authority for damages because of test- to "pollutants" not in or upon a covered "auto" if:
ing for, monitoring, cleaning up, removing, con-
taining, treating, detoxifying or neutralizing, or (1) The "pollutants" or any property in which in any way responding to or assessing the ef- the "pollutants" are contained are upset, fects of "pollutants". overturned or damaged as a result of the maintenance or use of a covered "auto";
"Covered pollution cost or expense" does not in- and
clude any cost or expense arising out of the actual,
alleged or threatened discharge, dispersal, seep- (2) The discharge, dispersal, seepage, mi- age, migration, release or escape of "pollutants": gration, release or escape of the "pollut- ants" is caused directly by such upset,
a. That are, or that are contained in any prop- overturn or damage. erty that is:
E. "Diminution in value" means the actual or per-
(1) Being transported or towed by, handled, ceived loss in market value or resale value which or handled for movement into, onto or results from a direct and accidental "loss". from the covered "auto";
F. "Employee" includes a "leased worker". "Em-
(2) Otherwise in the course of transit by or ployee" does not include a "temporary worker". on behalf of the "insured";
G. "Insured" means any person or organization quali-
(3) Being stored, disposed of, treated or fying as an insured in the Who Is An Insured provi- processed in or upon the covered "auto"; sion of the applicable coverage. Except with re- b. Before the "pollutants" or any property in spect to the Limit of Insurance, the coverage af- which the "pollutants" are contained are forded applies separately to each insured who is moved from the place where they are ac- seeking coverage or against whom a claim or cepted by the "insured" for movement into "suit" is brought. or onto the covered "auto"; or H. "Insured contract" means:
c. After the "pollutants" or any property in 1. A lease of premises; which the "pollutants" are contained are
moved from the covered "auto" to the place 2. A sidetrack agreement; where they are finally delivered, disposed of
or abandoned by the "insured".
Keyser Marston Associates, Inc
Policy No: AWFA490049
4. An obligation, as required by ordinance, to in- 3. Vehicles that travel on crawler treads; demnify a municipality, except in connection 4. Vehicles, whether self-propelled or not, main- with work for a municipality; tained primarily to provide mobility to perma-
5. That part of any other contract or agreement nently mounted:
pertaining to your business (including an in- a. Power cranes, shovels, loaders, diggers or demnification of a municipality in connection drills; or with work performed for a municipality under
which you assume the tort liability of another to b. Road construction or resurfacing equipment pay for "bodily injury" or "property damage" to a such as graders, scrapers or rollers. third party or organization. Tort liability means a 5. Vehicles not described in Paragraph 1., 2., 3., liability that would be imposed by law in the ab- or 4. above that are not self-propelled and are sence of any contract or agreement; maintained primarily to provide mobility to per-
6. That part of any contract or agreement entered manently attached equipment of the following into, as part of your business, pertaining to the types:
rental or lease, by you or any of your "employ- a. Air compressors, pumps and generators, ees", of any "auto". . However, such contract or including spraying, welding, building clean- agreement shall not be considered an "insured ing, geophysical exploration, lighting and contract" to the extent that it obligates you or well servicing equipment; or any of your "employees" to pay for "property b. Cherry pickers and similar devices used to damage" to any "auto" rented or leased by you raise or lower workers. or any of your "employees".
6. Vehicles not described in Paragraph 1., 2., 3. or
An "insured contract" does not include that part of 4. above maintained primarily for purposes any contract or agreement: other than the transportation of persons or a. That indemnifies a railroad for "bodily injury" cargo. However, self-propelled vehicles with or "property damage" arising out of con- the following types of permanently attached struction or demolition operations, within 50 equipment are not "mobile equipment" but will feet of any railroad property and affecting be considered "autos":
any railroad bridge or trestle, tracks, road- a. Equipment designed primarily for:
beds, tunnel, underpass or crossing; or
(1) Snow removal;
b. That pertains to the loan, lease or rental of
an "auto" to you or any of your "employees", (2) Road maintenance, but not construction if the "auto" is loaned, leased or rented with or resurfacing; or a driver; or (3) Street cleaning;
c. That holds a person or organization en- b. Cherry pickers and similar devices mounted gaged in the business of transporting prop- on automobile or truck chassis and used to erty by "auto" for hire harmless for your use raise or lower workers; and of a covered "auto" over a route or territory
c. Air compressors, pumps and generators,
that person or organization is authorized to
serve by public authority. including spraying, welding, building clean- ing, geophysical exploration, lighting or well
I. "Leased worker" means a person leased to vou bv servicing equipment. a labor leasing firm under an agreement between
you and the labor leasing firm, to perform duties However, "mobile equipment" does not include related to the conduct of your business. "Leased land vehicles that are subject to a compulsory or worker" does not include a "temporary worker". financial responsibility law or other motor vehicle insurance law where it is licensed or principally ga-
J. "Loss" means direct and accidental loss or dam- raged. Land vehicles subject to a compulsory or fi- age. nancial responsibility law or other motor vehicle in- K. "Mobile equipment" means any of the following surance law are considered "autos". types of land vehicles, including any attached ma- L. "Pollutants" means any solid, liquid, gaseous or chinery or equipment: thermal irritant or contaminant, including smoke,
1. Bulldozers, farm machinery, forklifts and other vapor, soot, fumes, acids, alkalis, chemicals and vehicles designed for use principally off public waste. Waste includes materials to be recycled, roads; reconditioned or reclaimed.
2. Vehicles maintained for use solely on or next to M. "Property damage" means damage to or loss of premises you own or rent; use of tangible property.
CA 00 01 03 06 © ISO Properties, Inc., 2005 Page 11 of 12 • Keyser Marston Associates, Inc
Policy No: AWFA490049
N. "Suit" means a civil proceeding in which: b. Any other alternative dispute resolution pro-
1. Damages because of "bodily injury" or "prop- ceeding in which such damages or "covered erty damage"; or pollution costs or expenses" are claimed and to which the insured submits with our
2. A "covered pollution cost or expense", consent.
to which this insurance applies, are alleged. O. "Temporary worker" means a person who is fur- "Suit" includes: nished to you to substitute for a permanent "em- ployee" on leave or to meet seasonal or short-term
a. An arbitration proceeding in which such
workload conditions.
damages or "covered pollution costs or ex-
penses" are claimed and to which the "in- P. "Trailer" includes semitrailer. sured" must submit or does submit with our
consent; or
CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY)
ACORD® 08/27/2025
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.
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 endorsements).
PRODUCER Ed Leedy
NAME
Leedy Nagele Associates, LLC PHONE . (215) 654-9422 (215) 654-9411 FAC. No):
A/C. No. Ext:
6198 Butler Pike E-MAI [email protected]
ADDRESS:
Suite 145 INSURER(S) AFFORDING COVERAGE NAIC #
Blue Bell PA 19422 INSURERA: Hartford Underwriters Insurance Company 30104 INSURED INSURER B: Hartford Casualty Insurance Company 29424 INSURER C :
Leggins Casterline & Company LLC INSURER D:
247 Divinci Dr INSURER E:
Punta Gorda FL 33950-6343 INSURER F:
COVERAGES CERTIFICATE NUMBER: CL2581302155 REVISION NUMBER:
INDICATED, NOTWITHSTANDING AN REQUIREMEN TERMOR CONDITION OF ANY CONTRACTOR OTHER DOCUMEN THREE METHI
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
INSR TADDL SUBRE OLICY EF
LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER LIMITS
X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE
CLAIMS-MADE X OCCUR DAMAGE TO RENTED $ 1,000,000
PREMISES (Ea occurrence)
MED EXP (Any one person) $ 10,000
A 39SBABM2JHC 08/08/2025 08/08/2026 PERSONAL & ADV INJURY GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE
PRO
X POLICY L LOC PRODUCTS - COMPIOP AGC
OTHER: Employee Dishonesty
AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT
(Ea accident)
ANY AUTO BODILY INJURY (Per person)
A OWNED SCHEDULED 39SBABM2JHC 08/08/2025 08/08/2026 BODILY INJURY (Per accident)
AUTOS ONLY AUTOS
HIRED X NON-OWNED PROPERTY DAMAGE
AUTOS ONLY AUTOS ONLY (Per accident)
X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $ 5,000,000
A EXCESS LIAB 39SBABM2JHC 08/08/2025 08/08/2026 $ 5,000,000
CLAIMS-MADE AGGREGATE
DED RETENTION S $
WORKERS COMPENSATION XI STATUTE T
AND EMPLOYERS' LIABILITY Y / N
B OFFICER MEMBER EXECUTIVE 39WECBA7A9B 10/01/2024 10/01/2025 E.L. EACH ACCIDENT $ 500,000 IN/A
Mandatory in NH ELL. DISEASE - EA EMPLOYEE $ 500,000
_DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT - $ 500,000 $1,000 Ded. Occurence 1,000,000
Professional Liability 39SBABM2JHC 2,000,000
A 08/08/2025 08/08/2026 Aggregate
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Aditional Remarks Schedule, may be attached if more space is required) 'Housing Authority of the City of Redondo Beach", the "City of Redondo Beach", and their respective officers, elected and appointed officials, employees and volunteers are named as additional insureds
CERTIFICATE HOLDER CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of Redondo Beach ACCORDANCE WITH THE POLICY PROVISIONS. 415 Diamond St
AUTHORIZED REPRESENTATIVE
Redondo Beach CA 90277 Edun C. Leedy
© 1988-2015 ACORD CORPORATION. All rights reserved.
ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD