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Home My WebLink AboutCustom Restoration Liability Ins 2023CUSTRES-02 MMAJESKIE ACORO� CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) 6/23/2023 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING 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 endorsement(s). PRODUCER The Brehmer Agency Inc. PO Box 498 12800 W Silver Spring Dr CONTACT Mary Majeskie NAME: PHONE (A/C, No, Ext): (262) 781-3714 (A//C, No): (262) 781-6049 AoMORRss: mary@brehmeragency.com Butler, WI 53007 INSURERS AFFORDING COVERAGE NAIC # INSURER A:Integrity Insurance Company 14303 INSURED INSURER B : INSURER C : Custom Restoration, Inc. INSURER D N69 W25055 Indian Grass Lane Sussex, WI 53089 INSURER E INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS 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 LTR TYPE OF INSURANCE ADDL INSD SUBR WVD POLICY NUMBER POLICY EFF MM DD YY POLICY EXP MM DD WY LIMITS A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 CLAIMS -MADE X I OCCUR X CT 2652215 6/24/2023 6/24/2024 DAMAGE TO RENTED PREMISES Ea occurrence 300,000 $ MED EXP (Any oneperson) $ 10,000 PERSONAL & ADV INJURY $ Included GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY � PEA LOC PRODUCTS -COMP/OP AGG $ 2,000,000 $ OTHER: A AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident 1 000,000 $ X BODILY INJURY Per person)$ ANY AUTO CA2652216 6/24/2023 6/24/2024 OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY Per accident $ RTY PRO ER DAMAGE Per accident $ HIRED NON -OWNED AUTOS ONLY AUTOS ONLY A X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $ 6,000,000 AGGREGATE $ 6,000,000 EXCESS LIAB CLAIMS -MADE CUP2652218 6/24/2023 6/24/2024 DED I X I RETENTION $ 0 $ A WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y/N ANY OFFICER/MEMBER EXCLUDED? ECUTIVE ❑ (Mandatory in NH) N / A WCP2652217 6/24/2023 6/24/2024 X PER OTH- STATUTE ER E.L. EACH ACCIDENT 500,000 $ E.L. DISEASE - EA EMPLOYEE 500,000 $ Ifyes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT 500,000 $ DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) When required by contract, City of Oshkosh, and its officers, council members, agents, emplyees and authorized volunteers are included as an additional insured under the general liabiilty coverage part. A 30 day notice of cancellation will be provided. L;tK I IFIL;A I t MULUtK L;ANL;tLLA I IUN City of Oshkosh Attn: City Clerk 215 Church Avenue PO Box 1130 Oshkosh, WI 54903-1130 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. REPRESENTA ACORD 25 (2016/03) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD IN I t_UKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement Policy Number: THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT This endorsement modifies insurance provided under the BUILDING AND PERSONAL PROPERTY COVER BUSINESS COMPUTER COVERAGE FORM CAUSES OF LOSS - SPECIAL FORM COMMERCIAL GENERAL LIABILI CO G F COMMERCIAL CRIME COVEBAG F (LO S S A FORM) The following is a summary f t co r e od fic ti r , extensions and additions provided in this endorsement. The li s, u e s s ted th rwise, a d deductibles shown below apply at each designated location. If a limit shppvm� e h e i e for any of these coverages, then that limit applies in addition to e —Ni sh`o�vn el w. a di rent deductible amount is shown in the policy for any of these cov ra ^tfie tha educt le 1 be the applicable deductible. A separate $5 00 applies on a Per Loss Aggregate basis to those coverages shown below that are designatpdTLA. Thi er Loss Aggregate Limit applies separately at each location designated on the policy Decla ion . At the time of loss, the first Named Insured may elect to apportion this Per Loss Aggregate Limit of Insurance to any one or any combination of those coverages, but under no circumstances will the aggregate apportionment be permitted to exceed $500,000 at any one designated location. For complete details of the coverages provided, refer to the specific policy language. BUILDING AND BUSINESS PERSONAL PROPERTY COVERAGES SUBJECT TO THE PER LOSS AGGREGATE LIMIT DEDUCTIBLE SUBJECT OF INSURANCE PAGE PLA PLA PLA PLA PLA PLA PLA PLA 10% of Loss Subject To PLA PLA PLA Property Deductible None Property Deductible Property Deductible Property Deductible None Property Deductible None None Accounts Receivable Claim Expense Computer Consequential Loss Assumption Fine Arts Not Held For Sale Fire Department Service Charge Mobile Equipment On Premises Recharge Of Fire Protection Equipment Reward Payment Property Deductible Utility Services - Direct Damage Property Deductible Valuable Papers And Records (Other Than Electronic Data) 9 10 18 15 15 5 16 9 8 16 13 HK1054 (04-2017) continued... IN I t6KI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement Policy Number: BUILDING AND BUSINESS PERSONAL PROPERTY COVERAGES OF INSURANCE / LIMIT $50,000 Building $5,000 BPP $10,000 $10,000 $25,000 Included ' B P m' $25,000 P r Occurrenc , 0C Annual Ag $10,000 $10,000 $10,000 Included In Building Limit $1,000 $10,000 In/Out $1,000,000 DEDUCTIBLE SUB Property Deductible Property Deduct' e Property du tib� erty Deductible Drains �u 'ne iersonal Property T mporarily In Portable Storage Units Computer And Funds Transfer Fraud Contents Of Fuel Storage Tanks Contractual Penalties Property Deductible Deferred Payments None Employee Theft Including ERISA None Forgery Or Alteration Property Deductible Fuel Storage Tanks None None Property Deductible Property Deductible $5,000 Property Deductible Included Property Deductible $50,000 Property Deductible $50,000 Property Deductible $10,000 Property Deductible $10,000 Property Deductible Lock And Key Replacement Money And Securities Newly Acquired Or Constructed Property - Building -180 Days To Report Newly Acquired Or Constructed Property - Business Personal Property -180 Days To Report Non -Owned Detached Trailers Ordinance Or Law Contingent Liability Ordinance Or Law Demolition Cost Ordinance Or Law Increased Cost Of Construction Ornamental Display Gardens Ornamental Landscape Display C LIMIT PAGE 17 17 11 14 12 5 11 16 11 11 5 11 9 12 12 14 6 7 7 17 17 HK1054 (04-2017) page 2 IN I t(jKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement Policy Number: LIMIT DEDUCTIBLE SUBJECT OF INSU PAGE $25,000 Property Deductible Outdoor Growi St o 17 $25,000 Property Deductible Outdoor ope y 15 $10 000 Property Deductible JP er onal e Pr rty thers 12 ( a f , 0 Pe mployee For o a e eft) $25,000 Property du tib e llu a e p 5 Included Pro r yvedu tib e is s edefined To 1,000 Feet 5 90 Days N reservation Of Property 5 $25,000 i ro er cti le Property In Transit 13 $50,000 perty e ctible Property Off- Premises 13 $25,000 p r a espe o 25% Of BPP je it T perty Deductible Seasonal Increase 18 PLA Included Property Deductible Selling Price Valuation Of Stock 18 $25,000 Property Deductible Signs Whether Attached To A Building 18 Or Not COMMERCIAL GENERAL LIABILITY COVERAGES LIMIT DEDUCTIBLE SUBJECT OF INSURANCE PAGE Included None Additional Insured - Lessor Of Leased 25 Equipment Included None Additional Insured - Managers Or Lessor 26 Of Premises Included None Additional Insureds Required By Contract 24 Included None Additional Insured - State Or Governmental 26 Agency Or Subdivision Or Political Subdivision - Permits Or Authorization Included None Aggregate Limit Per Location 23 Included None Aggregate Limit Per Project 23 Included None Blanket Primary And Noncontributory 28 Included None Broad Form Named Insured 24 HK1054 (04-2017) page 3 IN I tUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement LIMIT DEDUCTIBLE Included None $300,000 None Included None $10,000 None Included No Included N 131on Included $25,000 E c $ Occurren e/ $50,000 Ag $5,000 Each $100 Occurrence $10,000 None Included None Included None Included None $25,000 None $2,500 None $500 Per Day None Included None $5,000 Each $250 Occurrence/ $25,000 Aggregate Included None Policy Number: SUBJECT OF INSU �A PAGE Coverage For In' ry e s d rkers 19 Dama e T Pre i es en Y u- 19 cre s i it D ti s e f Oc rence, 28 f n la O -Redefined ect c iability 27 _Rxect d r Intended Injury 18 Adental Medical Malpractice 27 Liberalization Clause 29 Limited Care, Custody Or Control Coverage 20 Lost Key Coverage 20 Medical Payments 27 Mobile Equipment Redefined To 1,000 29 Pounds Newly Formed Or Acquired 27 Organizations -180 Days To Report Non -Owned Watercraft Redefined To 51 19 Feet Property Damage To Borrowed Equipment 20 Supplementary Payments Increased Limits - 24 Bonds Supplementary Payments Increased Limits - 24 Earnings Unintentional Failure To Disclose Hazards 29 Voluntary Property Damage 22 Waiver Of Transfer Of Rights Of Recovery 29 Against Others To Us HK1054 (04-2017) page 4 IN I tUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement The following changes apply to the BUILDING AND PERSONAL PROPERTY COVERAGE FORM. I. The following amends specified provisions stated under Section A. Coverage: 1. Item 1. Covered Property a. Building (5 is replaced with the following: I-- (b)Materials, equipment, su temporary structures feet of the describe brei to the binrrur� 2. The,fdllc in ar dd d\und ite (6) uel tanks 'n lu 'ng the piping, pumps an ui m n nnected to it installed ab ve orb ow ground. 3. The .first paragraph of item 1. Covered Property b. Your Business Personal Property is replaced with the following: b. Your Business Personal Property consists of the following property located in or on the building or structure described in the Declarations or in the open (or in a vehicle) within 1,000 feet of the building or structure or within 1,000 feet of the premises described in the Declarations, whichever distance is greater. 4. The following is added under item b. Your Business Personal Property: (8) Contents of any fuel tanks, including the piping, pumps and equipment connected to it, installed above or below ground. (9) Personal Property Of Others that is: (a) In your care, custody or control; and (b)located in or on the building or structure described in the Declarations or in the open (or in a Policy Number: Pdn thin , 0 et ofthe r trutur or within 1,000 rmi desc 'bed in the s, hi e istance is erty of Others is h1111olving amends specified provisions stunder Section A. Coverage 4. Additional Coverages: 1. Item b. Preservation of Property (2) is replaced with the following: (2) Only if the loss or damage occurs within 90 days after the property is first moved. 2. Item c. Fire Department Service Charge is replaced with the following: c. Fire Department Service Charge When the fire department is called to save or protect Covered Property from a Covered Cause of Loss, we will pay up to the $500,000 Per Loss Aggregate Limit for certain coverages specified in this endorsement for your liability for fire department service charges: (1) Assumed by contract or agreement prior to loss; or (2) Required by local ordinance. No Deductible applies to this Additional Coverage. 3. The last paragraph of item d. Pollutant Clean Up And Removal is replaced with the following: The most we will pay under this Additional Coverage for each described premises is $25,000 for the sum of all covered expenses arising out of Covered Causes of Loss occurring during each separate 12 month period of this policy. HK1054 (04-2017) page 5 IN I tUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement 4. Item e. Increased Cost Of Construction is replaced in its entirety with the following: e. Ordinance Or Law (1) The coverages provided by this endorsement apply only if (1)(a) an (1)(b) are satisfied and they are en subject to the qualifications et fort in (1)(c). (a) The ordinan or 1 (i) tents at the and at the time of loss. t co rage under this endorsement applies only in response to the minimum requirements of the ordinance or law. Losses and costs incurred in complying with recommended actions or standards that exceed actual requirements are not covered. (b) (i) The building sustains direct physical damage that is covered under this policy and as a result of damage you are required to comply with the ordinance or law; or (ii) The building sustains both direct physical damage that is covered under this policy and direct physical damage that is not covered under this policy, and as a result of the building damage in its entirety you are required to comply with the ordinance or law. (iii) But if the building sustains direct physical damage that is Policy Number: iereon r this policy, ch amage 's the subject di ce o aw, then > o ve e under this even if the has also sustained d direct physical damage. the situation described in )(b)(ii) above, we will not pay Lite full amount of loss otherwise payable under the terms of the coverage provided by this endorsement. Instead, we will pay a proportion of such loss; meaning the proportion that the covered direct physical loss bears to the total direct physical damage. However, if the covered direct physical damage, alone, would have resulted in a requirement to comply with the ordinance or law, then we will pay the full amount of loss otherwise payable under the terms of this endorsement. (2) We will not pay under this endorsement for: (a) Enforcement of or compliance with any ordinance or law which requires demolition, repair, replacement, reconstruction, remodeling or remediation of property due to contamination by "pollutants" or due to the presence of, growth, proliferation, spread or any activity of "fungus", wet or dry rot or bacteria; or (b)The costs associated with the enforcement of or compliance with any ordinance or law which requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or HK1054 (04-2017) page 6 IN I tUKI 1 Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement neutralize, or in any way respond to, or assess the effects of "pollutants", "fungus", wet or dry rot or bacteria. (3) Coverage (a) With respect to the buildin at s sustained covered direct ysica damage, we will p or th o in value of the u ama po tion the building s a onseu n of r or its of This c3ditignal Coverage is in u hin the Limit of nsu nce shown in the P c arations as applicable to the covered building. This does not increase the Limit of Insurance. (b) With respect to the building that has sustained covered direct physical damage, we will pay the cost to demolish and clear the site of undamaged parts of the same building, as a consequence of a requirement to comply with an ordinance or law that requires demolition of such undamaged property. The most we will pay for loss or damage under this Additional Coverage, e.(3)(b) is $50,000 at each described premises. This is additional insurance. (c) (1) With respect to the building that has sustained covered direct physical damage, we will pay the increased cost to: (i) Repair or reconstruct damaged portions of that Policy Number: or or emoaei o 'ons of that hether or not is required; the increased cost is a consequence of or requirement to comply with the minimum standards of the ordinance or law. However: (i) This additional coverage applies only if the restored or remodeled property is intended for similar occupancy as the current property, unless such occupancy is not permitted by zoning or land use ordinance or law. (ii) We will not pay for the increased cost of construction if the building is not repaired, reconstructed or remodeled. (2) When a building is damaged or destroyed and e.(3)(c)(1) applies to that building, coverage for the increased cost of construction also applies to repair or reconstruction of the following subject to the same conditions stated in e.(3)(c)(1): (i) The cost of excavations, grading, backfilling and filling; (ii) Foundation of the building; (iii) Pilings; and (iv) Underground pipes, flues and drains. HK1054 (04-2017) page 7 IN 1 tUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement The items listed in (2)(i) through (2)(iv) above are deleted from Property Not Covered, but only with respect to the coverage described in this provision (c)(2). We will not pay for the in a cost of construction: (i) Until th rop t is ctua reair r n e er ee asese Un'lessken�sirs or epl cement made as s on s reasonably possible fkrffie loss or damage, not to exceed two years. We may extend this period in writing during the two years. The most we will pay for loss or damage under this Additional Coverage, e.(3)(c) is $50,000 at each described premises. This is additional insurance. (4) If the property is repaired or replaced at the same premises or you elect to rebuild at another premises, we will not pay more than: (a) The amount you actually spend to demolish and clear the site at the described premises; and (b)The increased cost to repair, rebuild or construct the property at the same premises. (5) If the ordinance or law requires relocation to another premises we will not pay more than: (a) The amount you actually spend to demolish and clear the site at the described premises; and Policy Number: (b/)Z`l�.tc� ase2lAst fp rebuild or cons c`k the Drover v at the new 6) ithe a ounce Additional diti no eductible applies to \e. ) ) an (7 erms of this Additional overage apply separately to each covered building. (8) Under this Additional Coverage we will not pay for costs due to an ordinance or law that: (a) You were required to comply with before the loss, even when the building was damaged; and (b)You failed to comply with. (9) This Additional Coverage is not subject to the terms of the Ordinance or Law Exclusion, or Valuation Conditions, to the extent that such exclusions or limitations would conflict with the provisions of this Additional Coverage. 5. The following Additional Coverages are added: f. Arson, Theft And Vandalism Rewards We will pay on behalf of the insured for information which leads to a conviction in connection with: (1) A fire loss covered under this policy caused by arson; (2) An actual or attempted theft of Money or other Covered Property; or (3) A vandalism loss to the described premises. The limit for this Additional Coverage is the actual amount of the reward payment but not greater than 10% of the HK1054 (04-2017) page 8 IN I tUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement actual loss, subject to the $500,000 Per Loss Aggregate Limit for certain coverages specified in this endorsement. This is additional insurance. The Coinsurance Additional Condition and Deductible do not apply to this Additional Coverage. g. Recharge Of Fire Protec ' qu' nt We will pay your st to cha ge r replace, whi r s le o r re p , extingui ers or a t ati 're tectio Me em es t o fif Co 000 feet o t"ths scribed premises. Th i fo dditional Coverage is sub' ct t e $500,000 Per Loss Aggregate Limit for certain coverages specified in this endorsement. No Deductible applies to this Additional Coverage. h. Money And Securities Refer to Insuring Agreements 3. Inside The Premises -Theft Of Money And Securities and 5. Outside The Premises of the COMMERCIAL CRIME COVERAGE FORM (LOSS SUSTAINED FORM), CR 00 21, attached to this policy for the applicable coverage. The coverage provided is subject to the exclusions and provisions of the COMMERCIAL CRIME COVERAGE FORM (LOSS SUSTAINED FORM). The most we will pay for loss under this coverage is $10,000 for Insuring Agreement 3 and $10,000 for Insuring Agreement 5 in addition to a separate limit that may be shown in the Declarations for Insuring Agreement 3 and Insuring Agreement 5. Policy Number: i. W will y o ex ses y u incur due t ec ys'ca to da age to your c is eiv b e r or s caused by or es ti g f'�sa�o ered Cause of Loss a 1 c ion cribed in the The expenses we will pay include: (a) Amounts due from your customers that you are unable to collect because of direct physical loss or damage to your accounts receivable records; (b)Interest charges on any loan required to offset amounts you are unable to collect because of direct physical loss or damage to your accounts receivable records, pending our payment of these amounts; (c) Collection expenses in excess of your normal collection expenses that are made necessary because of direct physical loss or damage to your accounts receivable records; and (d)Other reasonable expenses that you incur to reestablish your records of accounts receivable. (2) We will not pay expenses for loss or damage under this Additional Coverage caused by or resulting from any of the following: (a) Bookkeeping, accounting or billing errors or omissions; (b)Electrical or magnetic injury, disturbance or erasure of electronic "Data" or "Media" records, except as a result of direct physical loss caused by lightning; HK1054 (04-2017) page 9 IN I CGKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement (c) Alteration, falsification, concealment or destruction of records of accounts receivable done to conceal the wrongful giving, taking or withholding of money, securities or other property; or (d)Unauthorized instruction transfer property to any er r any place. (3) We will not a ex s o to or dama der his A dit* a Cove Qe far\ an dit recur ctu 1 ex ence. \� e limit f is dditional Coverage is su t t th ,000 Per Loss A regate imit for certain coverages sne ' in this endorsement. The following loss conditions apply in addition to the Common Policy Conditions and the Commercial Property Conditions: (1) If you cannot accurately establish the amount of accounts receivable outstanding as of the time of loss, the following method will be used: (a) Determine the total of the average monthly amounts of accounts receivable for the 12 months immediately preceding the month in which the loss or damage occurred; and (b)Adjust that total for any normal fluctuations in the amount of accounts receivable for the month in which the loss or damage occurred or for any demonstrated variance from the average for that month. (2) The following will be deducted from the total amount of accounts Policy Number: how that Therm u �es ot ac unts for ,wh' themloss or damage; A of the accounts you reestablish and collect; (c)-,kn amount to allow for probable bad debts that you are normally unable to collect; and (d)All unearned interest and service charges. Additional Definitions: As used in this Additional Coverage i.: "Data" means facts, concepts or instructions that are converted into a form usable in data processing operations. This includes computer programs. "Media" means the materials on which "data" is recorded, such as magnetic tapes, discs, drums, paper tapes, cards and programs. This includes "data" stored on the "media". j. Claim Expense (1) In the event of covered loss or damage, we will pay for all reasonable expenses you incur at our request to assist us in: (a) The investigation of a claim or suit; or (b)The determination of the amount of loss, such as taking inventory. (2) We will not pay for: (a) Expenses to prove that the loss or damage is covered; (b)Expenses incurred under Section E. Loss Conditions 2. Appraisal; or HK1054 (04-2017) page 10 IN I LUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement (c) Expenses incurred for examinations under oath, even if required by us. The limit for this Additional Coverage is subject to the $500,000 Per Loss Aggregate Limit for certain coverages specified in this endorsement. k. Forgery Or Alteration Refer to Insuring ree nt F ger Or Alteratio h C IA CRIME RA O OS or t ap ucaoi overag p vided i ject to the 1 p visions of the IME COVERAGE SUSTAINED FORM). The most we will pay for loss under this coverage is $10,000 for Insuring Agreement 2 in addition to a separate limit that may be shown in the Declarations for Insuring Agreement 2. 1. Employee Theft Refer to Insuring Agreement 1. Employee Theft of the COMMERCIAL CRIME COVERAGE FORM (LOSS SUSTAINED FORM), CR 00 21, attached to this policy for the applicable coverage The coverage provided is subject to the exclusions and provisions of the COMMERCIAL CRIME COVERAGE FORM (LOSS SUSTAINED FORM). The most we will pay for loss under this coverage is $10,000 for Insuring Agreement 1 in addition to a separate limit that may be shown in the Declarations for Insuring Agreement 1. m. Lock And Key Replacement We will pay up to $1,000 per occurrence for the cost to repair or replace the door Policy Number: locks an r mbl>at`�he described pre ses t thqrft o yo r door keys. ctual penalties r n contract between customers. These penalties Result from your failure to deliver your product on time according to contract terms; (2) Result from direct physical loss or damage to Covered Property by a Covered Cause of Loss; and (3) Have been paid by you to your customer. The most we will pay under this coverage is $25,000 per occurrence with a $100,000 annual aggregate limit. o. Water That Backs Up From A Sewer Or Drain We will pay for direct physical loss of or damage to Covered Property caused by or resulting from: (1) Water that backs up from a sewer or drain; or (2) Water that enters into and overflows from within a: (a) Sump pump; (b) Sump pump well; or (c) Other type systems; designed to remove subsurface water which is drained from the foundation area. The most we will pay for loss or damage in any one occurrence is $10,000 or the Limit of Insurance shown in the Schedule for Water That Backs Up From A Sewer Or Drain at each described premises. HK1054 (04-2017) page 11 IN I tVKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement p. Computer And Funds Transfer Fraud Refer to Insuring Agreement 6. Computer And Funds Transfer Fraud, of the COMMERCIAL CRIME COVERAGE FORM (LOSS SUSTAINED FORM), CR 00 21, attached to this policy for the applicabl coverage. The coverage provide s j ct to the exclusions and provisio s o COMMERCIAL CRI A E FO (LOSS SUSTAINE O F) The most i a fdr1oss n er this coverag is $0 f In i ee e t 6' ad iti n t se rate i yb o in e arati for nsurin Agreement 6. III. Section o r 5 overage Extensions is replaced n i en rety with the following: 5. Coverage Extensions Except as otherwise provided, the following Extensions apply to property located in or on the building described in the Declarations or in the open (or in a vehicle) within 1,000 feet of the described premises. If a Coinsurance percentage of 80% or more, or a Value Reporting period symbol, is shown in the Declarations, you may extend the insurance provided by this Coverage Part as follows: a. Newly Acquired Or Constructed Property (1) You may extend the insurance that applies to Building to apply to: (a) Your new building while being built on the described premises; and (b)Buildings you acquire at locations, other than the described premises, intended for: Policy Number: (i ar us a th building d r ed in e eclarations; or ii se w e us . m st 1 y for loss or ge and this Extension is �0 0 at each building. (2) Ybfi may extend the insurance that applies to Your Business Personal Property to apply to that property at any location you construct or acquire other than at fairs or exhibitions. The most we will pay for loss or damage under this Extension is $500,000 at each building. (3) Insurance provided under this Coverage Extension for Newly Acquired Or Constructed Property will end when any of the following first occurs: (a) This policy expires; (b)180 days expire after you acquire or begin to construct the property; or (c) You report values to us. We will charge you additional premium for values reported from the date construction begins or you acquire the property. b. Personal Effects And Property Of Others You may extend the insurance that applies to Your Business Personal Property to apply to: (1) Personal effects owned by you, your officers, your partners or members, your managers or your employees. (2) Personal Property of Others in your care, custody or control. HK1054 (04-2017) page 12 IN I tUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement The most we will pay for loss or damage under this Extension is $10,000 at each described premises, but not more than $1,000 to any loss or damage by theft to tools owned by your employees necessary for the performance of their < job responsibilities. Our payment st of or damage to personal prop ty others will only be for th cc un�Ke owner of the proper c. Valuable Pa Than Eleetf( A that 1al Property to apply to the cost to rep*e st re the lost information 01i ua le apers and records for is uplicates do not exist. But this Extension does not apply to valuable papers and records which exist as electronic data. Electronic data has the meaning described under Property Not Covered - Electronic Data. (2) If the Causes of Loss - Special Form applies, coverage under this Extension is limited to the "specified causes of loss" as defined in that form, and Collapse as set forth in that form. (3) The limit for this Extension is subject to the $500,000 Per Loss Aggregate Limit for certain coverages specified in this endorsement. We will also pay for the cost of blank material for - reproducing the records (whether or not duplicates exist), and (when there is a duplicate) for the cost of labor to transcribe or copy the records. The costs of blank material and labor are subject to the applicable Limit of Insurance on Your Business Personal Property and therefore coverage of such costs is not additional insurance. Policy Number: Yo ma xt n th 'nsura ce provided b t is er g Fo a ly to your Co e ed per tha is temporarily at a ca io y6u-6o t-6wn, lease or o r e, in st ge at a location you le4s r6vrded the lease was executed Z r e beginning of the current policy rmrm; or that is in the care, custody or control of your salespersons. This Extension applies only if loss or damage is caused by a Covered Cause of Loss. This extension does not apply to Covered Property in or on a vehicle. The most we will pay for loss or damage under this Extension is $50,000 but not more than: (1) $25,000 per salesperson; or (2) $50,000 at any fair, trade show or exhibition. e. Property In Transit You may extend the insurance provided by this Coverage Form to apply to your Covered Property (including property that is in the care, custody or control of your salesperson) in transit in or on a motor vehicle you own, lease or operate while between points within the coverage territory and more than 1,000 feet from the described premises. Loss or damage must be caused by or result from one of the following causes of loss: (1) Fire, lightning, explosion, windstorm or hail, riot or civil commotion, or vandalism. (2) Vehicle collision, upset or overturn. Collision means accidental contact of your vehicle with another vehicle or object. It does not mean your vehicle's contact with the road bed. HK1054 (04-2017) page 13 IN I LUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement (3) Theft of an entire bale, case or package by forced entry into a securely locked body or compartment of the vehicle. There must be visible marks of the forced entry. The most we will pay for loss or damag under this Extension is $25,000. Non -Owned Detached T 'le s (1) You may exten e i ra ce at applies to usi r on Prop i rs y to app o to r da age othat: lqi t y u o rov 0 used in your )lie ailer is in your care, custody control at the premises described in the Declarations; and (c) You have a contractual responsibility to pay for loss or damage to the trailer. (2) We will not pay for any loss or damage that occurs: (a) While the trailer is attached to any motor vehicle or motorized conveyance, whether or not the motor vehicle is in motion. (b)During hitching or unhitching operations, or when a trailer becomes accidentally unhitched from a motor vehicle or a motorized conveyance. (3) The most we will pay for loss or damage under this Extension is $5,000, unless a higher limit is shown in the Declarations. (4) This insurance is excess over the amount due (whether you can collect Policy Number: on ity"d) fro y �ther insurance le Storage Units Way ext d the insurance that our Business Personal ty to apply to such property emporarily stored in a portable storage unit (including a detached trailer) located within 1,000 feet of the building or structure described in the Declarations or within 1,000 feet of the premises described in the Declarations, whichever distance is greater. (2) If the applicable Covered Causes of Loss form or endorsement contains a limitation or exclusion concerning loss or damage from sand, dust, sleet, snow, ice or rain to property in a structure, such limitation or exclusion also applies to property in a portable storage unit. (3) Coverage under this Extension: (a) Will end 90 days after the business personal property has been placed in the storage unit; (b)Does not apply if the storage unit itself has been in use at the described premises for more than 90 consecutive days, even if the business personal property has been stored there for 90 or fewer days as of the time of loss or damage. (4) Under this Extension, the most we will pay for the total of all loss or damage to business personal property is $10,000 (unless a higher limit is indicated in the Declarations for such HK1054 (04-2017) page 14 IN I tVKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement Policy Number: Extension) regardless of the number of storage Such limit is of, the deb f ees,'�b and plants e ro rt of thers, except units. part wh' are not in addition to, the applicable t e s' u ' h yo are a tenant Limit of Insurance on Your Business a uch pr ert is y the Personal Property. Therefore, n 1 d t ed premises. payment under this Extension will not increase the applicable Li f i. e r Insurance on your Business erson Y u y extend the insurance provided Property. his Coverage Form to apply to Fine (5) This Extension es a ly los Arts owned by you or in your care, or dama e is e e un custody or control, that are not held for this era e or sale by you, at the premises in the or em nt to hi C v g Form Declarations. o p is and d es n tap o loss or As used in this Extension, Fine Arts e th storag it itself. means paintings, etchings, pictures, h. Pr p rt tapestries, art glass windows, and other bona fide works of art or rarity, Y may e end the insurance provided historical value or artistic merit. by t ' overage Form to apply to your outdoor fences, radio and television The limit for this Coverage Extension is antennas (including satellite dishes), subject to the $500,000 Per Loss Aggregate Limit for certain coverages trees, shrubs and plants (other than "stock" specified in this endorsement. trees, shrubs or plants which are or are part of a vegetated roof) including In the event of a covered loss, payment debris removal expense, caused by or for Fine Arts will be valued at the resulting from any of the following Market Value of the item(s) at the time of causes of loss: loss. (1)Fire; (2) Lightning; (3) Explosion; (4) Riot or Civil Commotion; or (5) Aircraft. The most we will pay for loss or damage under this Extension is $25,000, but not more than $1,000 for any one tree, shrub or plant. This limit applies to any one occurrence, regardless of the types or number of items lost or damaged in that occurrence. Subject to all aforementioned terms and limitations of coverage, this Coverage Extension includes the expense of removing from the described premises Coverage does not extend to Fine Arts at any fair, trade show or exhibition. j. Consequential Loss You may extend the insurance provided by this Coverage Form to pay the reduction in value of the remaining parts of "stock" when the reduction is caused by direct physical loss or damage from a Covered Cause of Loss to other parts of "stock" at the described premises. In the application of the Coinsurance Additional Condition, the value of "stock" at any location to which this Extension applies includes the additional value that it represents in "stock" at other locations. HK1054 (04-2017) 1 page 15 IN I t:UK1 I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Policy Number: Contractors' Optimum Endorsement The limit for this Coverage Extension is mobile e ent a forklifts, lawn subject to the $500,000 Per Loss mo rs, t t s a d s mil r vehicles, Aggregate Limit for certain coverages c dig ip e hich ou rent. specified in this endorsement. h' xte 'on o s n t apply to vehicles k. Deferred Payments hi h re . nse r use on public In the event of a loss under this r d o whi are insured elsewhere. Extension, coverage will be pa' base e i it for this Coverage Extension is on the value of the amou sh o ject to the $500,000 Per Loss your books as due th e In Aggregate Limit for certain coverages case of a partial to an h er specified in this endorsement. refuses to tin ay ent o ing you to repos ss, a o nt th s m. Utility Services -Direct Damage b et e s f to s: You may extend the insurance provided W or xpense u incur due by this Coverage Form to pay for loss or our int t i Business Personal damage to Covered Property caused by Pro rty to maged by a Covered an interruption in utility service to the Ca se o L ss and sold by you under a described premises. The interruption in con al sale or trust agreement, or utility service must result from direct any installment or deferred payment physical loss or damage by a Covered plan after delivery to the buyer. Cause of Loss to Utility Property. Utility Property includes water supply (1) If the realized value of the property, communication supply repossessed property is equal to or property and power supply property. greater than the amount shown on your books as due from the buyer, we Exception: will make no payment. Coverage under this endorsement for (2) If the realized value of the loss or damage to Covered Property does repossessed property is less than the not apply to loss or damage to electronic amount shown on your books as due data, including destruction or corruption from the buyer, we will pay the of electronic data. The term electronic difference. data has the meaning set forth in the Coverage Form to which this (3) If a partial loss occurs and the buyer endorsement applies. continues to pay you, there will be no As used in this Extension, Utility loss payment made under this Services means: Extension. The most we will pay under this (1) Water Supply Services, meaning the Extension is $10,000 for any one following types of property supplying occurrence during the policy period. water to the described premises: 1. Mobile Equipment On Premises (a) Pumping stations; and (b) Water mains. You may extend the insurance provided (2) Communication Supply Services, by this Coverage Form to apply to your meaning property supplying HK1054 (04-2017) page 16 IN I LUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement communication services, including telephone, radio, microwave or television services to the described premises, such as: (a) Communication transmission lines, including fiber optic transmission lines; (b) Coaxial cables; an (c) Microwave r io r ys xc t satellites (3) Powe Su %icoeme no 1 g t es p rty s rici , st s t e V&Pefating plants; ing stations; tions; (d)Transformers; and (e) Transmission lines. As used in this Extension the term transmission lines includes all lines which serve to transmit communication service or power, including lines which may be identified as distribution lines. The Limit of Insurance for this Extension is subject to the $500,000 Per Loss Aggregate Limit for certain coverages specified in this endorsement. Loss or damage to two or more Utility Properties arising out of the same occurrence will be considered one occurrence. n. Appurtenant Structures You may extend the insurance that applies to Building to apply to your storage buildings, your garages and your other appurtenant structures, except outdoor fixtures, at the described premises. The most we will pay for Building loss or damage under this extension is $50,000. Policy Number: You ma t d thou nce that ap s to si es Pe on 1 Property to y t s p in y r storage b "1 'ngs, y g ra es your other en at the described e s s. m s e will pay for Business Pe s al Property under this Extension 1 5,000. o. Ornamental Display Gardens You may extend the insurance provided by this Coverage Form to apply to ornamental display gardens, used for display or promotional purposes, located at the described premises or within 1,000 feet of the personal residence of a landscape or nursery proprietor, partner, officer, or designated employee. The most we will pay for loss or damage under this Extension is $10,000. p. Ornamental Landscape Displays You may extend the insurance provided by this Coverage Form to apply to ornamental masonry or stone bridges, walks, patios, retaining walls or similar surfaces, or wooden landscaping bridges, gazeboes, storage sheds or similar structures, used for display or promotional purposes, located at the described premises or within 1,000 feet of the personal residence of a landscape or nursery proprietor, partner, officer, or designated employee. The most we will pay for loss or damage under this Extension is $10,000. q. Outdoor Growing Stock You may extend the insurance provided by this Coverage Form to apply to growing stock. Growing stock means: HK1054 (04-2017) page 17 IN I tUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement (1) Seeds, seedlings, bulbs, cuttings, or cultivated plants or trees, from the time they are deposited in the ground, until removed from the ground; and Policy Number: 1. Item 7. V the follery c. "StQ,*" N replaced with e lu f "stock" . yf loss or damage (2) Outdoor trees, shrubs and plants held \., V for sale that are contained in pots, flats, or other similar individ ( s 11' price, as if no loss or ge occurred; and containers. The most we will pa or 1 s r ma Less discounts and expenses you under this Extensi is 5 0. otherwise would have had. The followin chan es apply to the CAUSES OF IV. Section C. Li ' s Of Ins nce ' epla d in g g its entire it th fo to i LOSS - SPECIAL FORM. VI. Under Section F. Additional Coverage C. Li it ns an Extension, Item 1. Property In Transit is 1. e most it ay for loss or damage deleted in its entirety. in a o e cc rice is the applicable The following changes apply to the BUSINESS Li it o n rance shown in the COMPUTER COVERAGE FORM as specified. Dec ons. 2. The most we will pay for loss or damage VII. We will pay for all risks of direct physical loss, to outdoor signs, whether or not the sign subject to the exclusions and provisions is attached to a building, is $25,000 per contained in BUSINESS COMPUTER sign in any one occurrence. COVERAGE FORM IM 7203, which is attached to and made part of this policy. 3. The Limit Of Insurance for Business Personal Property stated in the Declarations will automatically increase by 25% to provide for seasonal variations. This seasonal increase is subject to the $500,000 Per Loss Aggregate Limit for certain coverages specified in this endorsement. 4. Except as otherwise specified, the limits applicable to Additional Coverages and to Coverage Extensions are in addition to the Limit Of Insurance. 5. Payments under the following Additional Coverage will not increase the applicable Limit of Insurance: a. Preservation of Property. V. The following amends specified provisions stated under Section E. Loss Conditions: The limit for this Coverage Extension is subject to the $500,000 Per Loss Aggregate Limit for certain coverages specified in this endorsement. Coverage may be extended up to $10,000 while the Covered Property is anywhere within the policy territory, and while in transit; however, this Extension does not increase the Limit of Insurance at each described premises. The following changes apply to the COMMERCIAL GENERAL LIABILITY COVERAGE FORM as specified: VIII. Expected Or Intended Injury Exclusion 2.a. under Section I - Coverage A - Bodily Injury And Property Damage Liability is replaced with the following: HK1054 (04-2017) page 18 IN I LUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement "Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" and "property damage" resulting from the use of reasonable force to protect persons or property. IX. Coverage For Injury To Leased Wor ers A. With respect to Exclusion .e. 1 er's Liability of Section I Covage - odi Injury And Pro a lit e definition o em loy e' in S ion - Definitions 's r I ce b th followinQ: X. 5. in Exclusion der Paragraph 2. Exclusions of Section I - Coverage A - Bodily Injury And Property Damage Liability is replaced with the following: (2) A watercraft you do not own that is: (a) Less than 51 feet long; and (b)Not being used to carry persons or property for a charge. XI. Increased Limit For Damage To Premises Rented To You A. Section I - Coverage A - Bodily Injury And Property Damage Liability, 2. Exclusions is amended as follows: 1. The fourth from the last paragraph of Exclusion j. Damage To Property is replaced by the following: Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" (other than damage by fire, lightning, explosion, smoke, or leakage from automatic fire protection systems) to premises, including the contents of such premises, rented to you for a period Policy Number: of seven N days. A sep to li plies toa a To You as D sibed iits Of of 2. Exclusions is allusions c. through n. do not apply to damage by fire, lightning, explosion, smoke, or leakage from automatic fire protection systems to premises while rented to you or temporarily occupied by you with the permission of the owner. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section III - Limits Of Insurance. B. Section III - Limits Of Insurance, Paragraph 6., is replaced by the following: 6. Subject to Paragraph 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of "property damage" to any one premises while rented to you, or in the case of damage by fire, explosion, lightning, smoke, or leakage from automatic fire protection systems, while rented to you or temporarily occupied by you with the permission of the owner. The limit is the greater of: a. $300,000; or b. The amount shown in the Declarations for Damage To Premises Rented To You Limit. C. The word "fire" is changed to "fire, lightning, explosion, smoke, or leakage from automatic fire protection systems" wherever it appears in: 1. Condition 4.b.(1)(a)(ii) of Section IV - Commercial General Liability Conditions; and HK1054 (04-201 7) page 19 IN I CGKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement 2. 9.a. of Section V - Definitions. XII. Lost Key Coverage A. Coverage for "bodily injury" and "property damage" liability with respect to the insured's operations is extended as follows 1. We will pay those sums that legally obligated to pay as da to loss of keys by an i re course of your bus' ess. e be loaned to re it custody control the iat 2.=h1ors tna` ,i su ran�e Kvid by me oes t y to: Misapp�91�riallon; (b)re on,-` \% (c) onver on; (d) In ' ity. or (e) Any dishonest act on the part of the insured. 3. The additional insurance provided by this endorsement applies only to: (a) The actual cost of the keys; (b) Adjustment of locks to accept new keys; and (c) The cost of new locks, including the cost of their installation. B. The most we will pay for loss or damage resulting from any one "occurrence" under this provision XII. is $5,000. C. A deductible of $100 applies to any loss or damage resulting from any one "occurrence" regardless of the number of persons or organizations who sustain damages because of that "occurrence". We may pay any part or all of the deductible amount to effect settlement of any claim or "suit" and upon notification of the action taken, you shall promptly reimburse us for such part of the deductible amount that has been paid by us. Policy Number: D. This cove followirro to the Lava vap . 3)�nb j. 4) ofSection I ov r e o i injury And p t Da ge Liability do not apply tot e s f keys by an insured. paragraph 2.a.(2) of Section II - Who Is An Insured does not apply to this additional insurance. XIII. Property Damage To Borrowed Equipment A. Exclusion j.(4) under Paragraph 2. Exclusions of Section I -Coverage A - Bodily Injury And Property Damage Liability does not apply to "property damage" to borrowed equipment while that equipment is: 1. Not being used to perform operations; and 2. Away from an insured's premises. B. Subject to Paragraph 5 in Section III - Limits Of Insurance, Coverage A the most we will pay for damages because of "property damage" to equipment you borrow from others is $25,000 per "occurrence". C. The insurance afforded by provision XIII. Property Damage To Borrowed Equipment is excess over any valid and collectible property insurance available to the insured. XIV. Limited Care, Custody Or Control Liability Coverage A. Insuring Agreement With respect to the coverage provided by XIV. Limited Care, Custody Or Control Liability Coverage, the following is added to Paragraph 1.a. of Section I - Coverage A - Bodily Injury And Property Damage Liability: HK1054 (04-2017) page 20 IN I LVKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement We will pay all sums that the insured becomes legally obligated to pay as damages because of "loss" to property of others while in the care, custody or control of the insured. B. Exclusions With respect to the coverage prow' ed by this coverage extension: 1. Exclusions 2.j.(4) a 2.o ec ion Coverage A�i 2.geU owi g a itiona e sions are dto io I -Coverage A - Bodily Id p ty Damage Liability: Thsur ce does not apply to "loss" to (a) Held by the insured for sale or entrusted to the insured for storage or safekeeping; (b)Owned or occupied by, rented or leased to, or loaned to any insured; (c) Included in the "products -completed operations hazard"; and (d)Arising from errors or mistakes in design, plans or specifications committed by or on behalf of the insured. C. Limit Of Insurance With respect to the coverage provided by XIV. Limited Care, Custody Or Control Liability Coverage, the following is added to Section III - Limit Of Insurance: 1. The most we will pay for "loss", including all resulting loss of use of that property, as a result of any one "occurrence" under this coverage is $25,000. However, the most we will pay Policy Number: for the s o all" ", i cluing all res 'ng l us o ro erty, as a s It a ' cc rr s" u der this co e age is ,0 0. e mits are part n n in i ' to, the Each r nc an eneral Aggregate limit. Ve 6ofpay for a "loss" in any one ence" until the amount of "loss" the deductible shown under D. Deductible. We will then pay the amount of "loss" or damage in excess of the deductible, up to the applicable limit of insurance. D. Deductible 1. We are not obligated to pay any "loss" until such "loss" exceeds $250. We will then pay the amount of "loss" in excess of the deductible, up to the applicable limit of insurance. This deductible amount applies to all "loss" to real or personal property belonging to others as the result of any one "occurrence". 2. We may pay any part or all of the deductible amount to effect settlement of any claim or "suit" and, upon notification of the action taken, you shall promptly reimburse us for such part of the deductible amount as has been paid by us. 3. The terms of this insurance, including those with respect to: (a) Our right and duty to defend any "suits" seeking those damages; and (b)Your duties in the event of an "occurrence", claim or "suit", apply irrespective of the application of the deductible amount. E. Excess Insurance This insurance is excess over any other collectible insurance available to the insured. HK1054 (04-2017) page 21 IN I LUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement F. Additional Definition The following is added to Section V - Definitions: "Loss" means any unintentional damage or destruction but does not include disappearance, abstraction or theft. XV. Voluntary Property Damage Cover ge A. Insuring Agreement With respect to o era r vi ed XV. Volun y rope t Da e C era the fo �-o is d�led to a p 1.a. of Se ioerage - B dily y And eq t, e will pay for a "loss" to ty f ers caused by you and wh in ur possession, arising out of your business operations and occurring during the policy period even if you are not legally liable, if such property is otherwise subject to this coverage. B. Exclusions With respect to the Voluntary Property Damage Coverage: 1. Exclusions 2.j.(4) and 2.j.(5) of Section I - Coverage A - Bodily Injury And Property Damage Liability do not apply; 2. The following additional exclusions are added to Section I - Coverage A - Bodily Injury And Property Damage Liability: This insurance does not apply to "loss" to property: (a) Held by the insured for sale or entrusted to the insured for storage or safekeeping; (b) Owned or occupied by, rented or leased to, or loaned to any insured; Policy Number: (c) In ell in itrb�ducts- com t of era ion hazard", or " or�mistakes in o specifications or on behalf of the itYrespect to Voluntary Property amage Coverage, the following is added to Section III - Limit Of Insurance: 1. The most we will pay for "loss", including all resulting loss of use of that property, as a result of any one "occurrence" under this coverage is $5,000. However, the most we will pay for the sum of all "loss", including all resulting loss of use of property, as a result of all "occurrences" under this coverage is $25,000. These limits are part of, and not in addition to, the Each Occurrence and General Aggregate limit. 2. We will not pay for "loss" in any one "occurrence" until the amount of "loss" exceeds the deductible shown under D. Deductible. We will then pay the amount of "loss" in excess of the deductible, up to the applicable limit of insurance. D. Deductible 1. With respect to Voluntary Property Damage Coverage, we are not obligated to pay any "loss" until such "loss" exceeds $250. We will then pay the amount of "loss" in excess of the deductible, up to the applicable limit of insurance. This deductible amount applies to all "loss" to real or personal property belonging to others as the result of any one "occurrence". 2. We may pay any part or all of the deductible amount to effect settlement of HK1054 (04-2017) page 22 IN I tUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 1 Policy Number: Contractors' Optimum Endorsement any claim or "suit" and, upon notification of the action taken; you shall promptly reimburse us for such part of the deductible amount as has been paid by us. E. Excess Insuiis,�de This insura!Sioio- intenti We will n t a or any "loss" under XIV. Limited Care, Custody Or Control Liability Coverage unless you are legally liable. If we provide coverage for the same "loss" under XIV. Limited Care, Custody Or Control Liability Coverage and XV. Voluntary Property Damage Coverage, the most we will pay for the "loss" under the two coverages combined is $30,000. XVI. Aggregate Limit Per Location For all sums which the insured becomes legally obligated to pay as damages caused by "occurrences" under Section I - Coverage A - Bodily Injury And Property Damage Liability, and for all medical expenses caused by accidents under Section I - Coverage C - Medical Payments, which can be attributed only to operations at a single designated "location" shown in the Declarations: 1. A separate Location General Aggregate Limit applies to each "location", and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. 2. The Loc eneg regate Limit is the ost w' 1 p r th sum of all ag s r o e e A except d ges be se of o ' injury" or r rty a e i luded in the o u ts- om ed operations hazard", a f e ' al expenses under C v r e C regardless of the number of: Insureds; b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits". 3. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the Location General Aggregate Limit for that "location". Such payments shall not reduce the General Aggregate Limit shown in the Declarations nor shall they reduce any other Location General Aggregate Limit for any other "location" shown in the Declarations. 4. The limits shown in the Declarations for Each Occurrence, Damage To Premises Rented To You and Medical Expense continue to apply. However, instead of being subject to the General Aggregate Limit shown in the Declarations, such limits will be subject to the applicable Location General Aggregate Limit. XVII. Aggregate Limit Per Project For all sums which the insured becomes legally obligated to pay as damages caused by "occurrences" under Section I - Coverage A - Bodily Injury And Property Damage Liability, and for all medical expenses caused by accidents under Section I - Coverage C - Medical Payments, which can be attributed only to ongoing operations at a single construction project: HK1054 (04-2017) page 23 IN I CGKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement Policy Number: 1. A separate Construction Project General B. Paragraph i repl" 'th the Aggregate Limit applies to each construe- follow' tion project, and that limit is equal to the A I as 1 e e se inc rred by the amount of the General Aggregate Limit n d a r r q es to assist us in the shown in the Declarations. v t ati or e nse of the claim or 2. The Construction Project General it, i clud' actual loss of earnings Aggregate Limit is the most we u a day because of time off for the sum of all damages un er w Coverage A- Bodily I A d IX. B d Form Named Insured Property Damage abi ' e ep damages be=age o "b i . y" Section II - Who Is An Insured is amended to "propert iclud in th include as a Named Insured any organization "pr ct co p ete e ' s azard", or subsidiary thereof which is a legally nd for ica e ens s and incorporated entity of which you own a Co M dical P ents financial interest of more than 50 percent of ardless he umber of: the voting stock on the effective date of this endorsement. a. ds, b. ai ade or "suits" brought, or c. Persons or organizations making claims or bringing "suits". 3. Any payments made under Coverage A - Bodily Injury And Property Damage Liability for damages or under Coverage C - Medical Payments for medical expenses shall reduce the Construction Project General Aggregate Limit for that construction project. Such payments shall not reduce any other Construction Project General Aggregate Limit for any other construction project. XVIII. Supplementary Payments Increased Limits Under Supplementary Payments - Coverage A. and B. of Section I: A. Paragraph l.b. is replaced with the following: b. Up to $2,500 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. This provision XIX. does not apply to "bodily injury", "property damage" or "personal and advertising injury" with respect to which a Named Insured under this policy is also a Named Insured under another policy or would be a Named Insured under such policy but for its termination or upon exhaustion of its limits of insurance. XX. Additional Insureds Required By Contract A. Section II - Who Is An Insured is amended to include as an additional insured any person or organization for whom you are performing operations when you and such person or organization have agreed in writing in a contract or agreement or that such person or organization be added as an additional insured on your policy. Such person or organization is an additional insured only with respect to liability for "bodily injury", "property damage", or "personal and advertising injury" caused, in whole or in part, by: 1. Your acts or omissions; or 2. The acts or omissions of those acting on your behalf; HK1054 (04-2017) page 24 IN I LUKI 1 Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement in the performance of your ongoing operations for the additional insured. A person's or organization's status as an additional insured under this endorsement ends when your operations for that additional insured are completed. B. With respect to the insurance affo ed to these additional insureds, t of ow' g additional exclusions a y: This insurance doe" t a t 1. Policy Number: Aonie,ma n ce orrepairs)R by r obehalfofthe r at t e location on at has been Th t orti of "your work" out of hi h e injury or damage arises has n put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as part of the same project. si g i�ury' rising XXL Additional Insured - Lessor Of Leased of, r t ailure to Equipment - Automatic Status When )nal architectural, Required In Lease Agreement With You services to: a. Th-e-preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or b. Supervisory, inspection, architectural or engineering activities. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage", or the offense which caused the "personal and advertising injury", involved the rendering of or the failure to render any professional architectural, engineering or surveying services. 2. "Bodily injury" or "property damage" occurring after: A. Section II - Who Is An Insured is amended to include as an additional insured any person(s) or organization(s) from whom you lease equipment when you and such person(s) or organization(s) have agreed in writing in a contract or agreement that such person(s) or organization(s) be added as an additional insured on your policy. Such person(s) or organization(s) is an additional insured only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your maintenance, operation or use of equipment leased to you by such person(s) or organization(s). A person's or organization's status as an additional insured under this provision XXI. ends when their contract or agreement with you for such leased equipment ends. This provision XXI. Does not apply to any person or organization included as an additional insured by an endorsement issued by us and made a part of the Coverage Form. a. All work, including materials, parts or B. With respect to the insurance afforded to equipment furnished in connection these additional insureds this insurance with such work, on the project (other does not apply to any "occurrence" which HK1054 (04-2017) page 25 IN I hUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Policy Number: Contractors' Optimum Endorsement takes place after the equipment lease b. "Bodi ry" bR�ro erty damage" expires. i ude hi the "pr ducts- XXII. Additional Insured - Managers Or Lessors Of om e o era i s ha and". Premises When Required in Written Lease i es e t to e in u an e a orded to these Agreement With You a ti a in ur in r isions XX., XXI., Section II - Who Is An Insured is amen to a I., t ollowing is added: include as an additional insured wh e in ranee afforded to such required in a written lease agr e t, y itional insured: person(s) or organization o 1 o you a. Only applies to the extent permitted have leased premises bu on w' sp ct t by law; and liability arising o of t rsh' , maintenance o us th t art f t r s b. Will not be broader than that which leased yo n sect o e low' g you are required by the written addit' n us ns: contract or written agreement to This i urance d no apply to: provide for such additional insured. 1. A r n e" which takes place after c. Does not apply unless the written lease agreement has been executed yo eas o be a tenant in that premises. prior to the "bodily injury", "property 2. Structural alterations, new construction damage", or "personal or advertising or demolition operations performed by injury". or on behalf of the manager or the lessor. 2. The following is added to Section III - XXIII. Additional Insured - State Or Political Limits Of Insurance: Subdivisions Automatic Status When The most we will pay on behalf of the Required For Permits additional insured is the amount of 1. Section II - Who Is An Insured is insurance: amended to include as an additional a. Required by the written contract or insured any state or governmental agency or subdivision or political agreement; or subdivision. This insurance applies only b. Available under the applicable Limits with respect to operations performed by of Insurance shown in the you or on your behalf for which the state Declarations, or governmental agency or subdivision whichever is less. or political subdivision has issued a permit or authorization. Provisions XX., XXI., XXII. and XXIII. shall 2. This insurance does not apply to: not increase the applicable Limits of Insurance shown in the Declarations and a. "Bodily injury", "property damage" or do not apply to any person(s) or "personal and advertising injury" organization(s) included as an additional arising out of operations performed insured by an endorsement issued by us for the federal government, state or and made a part of the Coverage Form. municipality; or HK1054 (04-2017) page 26 IN I CVKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement XXIV. Incidental Medical Malpractice Paragraph 2.a.(1)(d) of Section II - Who Is An Insured, does not apply to your "employees" who provide professional health care services on your behalf as duly licensed: � I 1. Nurses; 2. Emergency Medical Technicia 3. Paramedics in the jurisdiction where n "o rre offense to which t an p i place. This co v age doe of a if in the bu ' ss r pa io o i such ofe-ssi a servic i XXV. Newt or Cor Policy Number: "dam t�you )d cts" that urre e ore,,vo acclalired or rVi illapplyin and rates in datuired or formed lq�st paragraph of Section II - Who Is Ah Insured does not apply to this provision to the extent that such paragraph would conflict with this provision.. g any XXVI. Medical Payments Increased Limits A. Para ap"._pf Section II - Who Is An Insured -is -re -placed by the following: As 3. Any organization you newly acquire or form during the policy period, other than a partnership or joint venture, and over which you maintain an ownership interest of more than 50 percent of such organization, will qualify as a Named Insured if there is no other similar insurance available to that organization. a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier; b. Coverage A does not apply to "bodily injury" or "property damage" that occurred before you acquired or formed the organization; c. Coverage B does not apply to "personal and advertising injury" arising out of an offense committed before you acquired or formed the organization; and d. Coverage A does not apply to The Medical Expense Limit shown in the Declarations is increased to $10,000. XXVII. Electronic Data Liability A. Exclusion 2.p. of Coverage A - Bodily Injury And Property Damage Liability in Section I - Coverages is replaced by the following: 2. Exclusions This insurance does not apply to: p. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate "electronic data" that does not result from physical injury to tangible property. However, this exclusion does not apply to liability for damages because of "bodily injury". B. The following paragraph is added to Section III - Limits Of Insurance: 8. Subject to 5. above, the Loss of Electronic Data Limit of $10,000 is the most we will pay under Coverage A for "property damage" because of all loss of "electronic data" arising out of any one "occurrence". HK1054 (04-2017) page 27 IN I tUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement Policy Number: C. The following definition is added to the Conditions t ou iitu�e to it that we Section V - Definitions: are no ' 'ed o n 'oc rre ce' only applies "Electronic data" means information, facts w e ' oc e ce' o offen e is known or programs stored as or on, created or used o: on, or transmitted to or from computer 1 ou i o e a i ividual; software (including systems and a n r, if are a partnership; applications software), hard or flo A f e f the corporation if you are a CD-ROMs, tapes, drives, cells da a co p ation; processing devices or an ed a 4. our members and managers, if you are which are used with ctro 'call a limited liability company; controlled equi t. 5. Your insurance manager; or D. For the pur osethe c ver ge vi 6. The trustee, if you are a trust. by t 's pr , i ion I., he efini on of B. The requirement in Condition 2.b. of "p op a ge" ' Sect n - Section IV - Commercial General Liability D ini ions i r la ed by t e following: Conditions that you must see to it that we 17. "Pro ert d m means: receive written notice of a claim or "suit" as soon as practicable will not be considered a. si injury to tangible property, breached unless the breach occurs after including all resulting loss of use of such claim or "suit" is known to: that property. All such loss of use 1. You, if you are an individual; shall be deemed to occur at the time 2. A partner, if you are a partnership; of the physical injury that caused it; 3. An officer of the corporation if you are a b. Loss of use of tangible property that corporation; is not physically injured. All such loss 4. Your members and managers if you are a of use shall be deemed to occur at the limited liability company; time of the "occurrence" that caused 5. Your insurance manager; or it; or 6. The trustee, if you are a trust. c. Loss of, loss of use of, damage to, XXIX. Blanket Primary And Noncontributory - corruption of, inability to access, or Other Insurance Condition inability to properly manipulate Section IV -Commercial General Liability "electronic data", resulting from physical injury to tangible property. Conditions, is amended by the addition of the All such loss of "electronic data" shall following to the Other Insurance Condition be deemed to occur at the time of the and supersedes any provision to the contrary: "occurrence" that caused it. Primary and Noncontributory For the purposes of this insurance, "electronic Insurance provided under this policy shall data" is not tangible property. apply on a primary basis and shall not seek XXVIII. Duties In The Event Of Occurrence, Offense, contribution from any other insurance Claim Or Suit - Redefined available to an additional insured added to this policy by provisions XX., XXI., XXII. and A. The requirement in Condition 2.a. of XXIII., subject to the following conditions: Section IV - Commercial General Liability HK1054 (04-2017) page 28 IN I LUKI I Y Insurance P.O. Box 539 Appleton, Wisconsin 54912-0539 Endorsement IL 20 Contractors' Optimum Endorsement Policy Number: 1. The additional insured is a Named XXXI. Mobile Insured under such other insurance; and Paragrz 2. You have agreed in writing in a contract V - e or agreement that this insurance would r ejl be primary and would not seek �@\ contribution from any other insurance available to the additional insurRd: --, i e: XXX. Waiver Of Transfer Of Against Others To Us I A Written Agreement I Section IV - Conditio Recov ry the a di We wa ig 0pf because ts`f damage aZisinut of: is araeflded by covery we may have make for injury or 1. Your ongoing operations or "your work'' done under a written contract with that person or organization and included in the "products -completed operations hazard"; or (1Xof Section n t a p"y� it - of 1� th n 1,000 pounds To Disclose Hazards n Yibeo� t tional error or omission in the s of, or failure to completely ale any or or operations intended to be covered by this Coverage Form will not invalidate or affect coverage for those premises or operations. However, you must report such error or omission to us as soon as practicable after its discovery. This provision does not affect our right to collect additional premium as a result of any unintentional error or omission. In addition, this provision does not affect our rights of cancellation or nonrenewal in accordance with applicable insurance laws or regulations. XXXIII. Liberalization Clause 2. The ownership, maintenance or use of that part of the premises leased to you. The waiver applies only to a person or organization with whom you have a written contract or agreement in which you are required to waive the rights of recovery under this policy, but only to the extent that subrogation is waived prior to any injury or damage under a contract with that person or organization. The insured must do nothing after a loss to impair our rights. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce those rights. If we revise this Contractors' Optimum Endorsement to provide more coverage without additional premium charge, your policy will automatically provide the additional coverage as of the day the revision is effective in your state. Includes copyrighted material of Insurance Services Office, Inc., with its permission. HK1054 (04-2017) page 29 `�avolk CUSTRES-02 MMAJESKIE ACORL�a �� CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) F6/23/2023 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING 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 endorsement(s). PRODUCER The Brehmer Agency Inc. PO Box 498 12800 W Silver Spring Dr CONTACT Mary Majeskie NAME: PHONE 2 (A/C, No, Ext): (62) 781-3714 (A/C, No):(262) 781-6049 AEDl RIEss: mary@brehmeragency.com INSURERS AFFORDING COVERAGE NAIC # Butler, WI 53007 INSURERA:Integrity Insurance Company 14303 INSURED INSURER B : INSURER C : Custom Restoration, Inc. INSURER D : N69 W25055 Indian Grass Lane Sussex, WI53089 INSURER E INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS 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 LTR TYPE OF INSURANCE ADDL INSD SUBR WVD POLICY NUMBER POLICY EFF MM DD POLICY EXP MM DD YYY LIMITS A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 CLAIMS -MADE F_V_1 OCCUR X CT 2652215 6/24/2023 6/24/2024 DAMAGE TO RENTED PREMISES Ea occurrence 300,000 $ MED EXP (Any oneperson) $ 10,000 PERSONAL & ADV INJURY $ Included GEN'L AGGREGATE LIMIT APPLIES PER: POLICY X jE LOC GENERAL AGGREGATE $ 2,000,000 PRODUCTS - COMP/OP AGG $ 2,000,000 $ OTHER: A AUTOMOBILE LIABILITY Ea acccidentINEDSINGLE LIMIT $ 1,000,000 BODILY INJURY Perperson) $ X ANY AUTO X CA 2652216 6/24/2023 6/24/2024 BODILY INJURY Per accident $ OWNED SCHEDULED AUTOS ONLY AUTOS PROPERTY DAMAGE Per accident $ HIRED NON -OWNED AUTOS ONLY AUTOS ONLY $ A X UMBRELLA LIAB OCCUR EACH OCCURRENCE $ 6,000,000 EXCESS LIAB CLAIMS -MADE CUP2652218 6/24/2023 6/24/2024 X AGGREGATE $ 61000,000 DED I X I RETENTION $ 0 $ A WORKERS COMPENSATION AND EMPLOYERS' LIABILITY ANY ECUTIVE WCP2652217 6/24/2023 6/24/2024 X PER OTH- STATUTE I ER E.L. EACH ACCIDENT 500,000 $ E.L. DISEASE - EA EMPLOYEE $ 500,000 OFFICER/MEMBER/EXCLUDED? ❑ (Mandatory in NH) N / A E.L. DISEASE - POLICY LIMIT 500,000 $ If yes, describe under DESCRIPTION OF OPERATIONS below DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Contract 2023120 - Equipment Maintenance Garage Exterior Improvements The City of Racine, its elected and appointed officials, officers employees, authorized representatives, or volunteers are additional insureds on a primary and non-contributory basis, on the General Liability and Automobile Liability policies, when required by written contract. General Liability policy subject to standard exclusions. A 30-day notice of cancellation will be mailed as needed. General Liability - $250 Property Damage, per claim deductible Auto - $260 Comprehensive, $500 Collision deductible. InaI:4N City of Racine SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. A1&" THORIZED REPRESENT ACORD 25 (2016/03) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD Endorsement BP 150 ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - COMPLETED OPERATIONS - AUTOMATIC STATUS WHEN REQUIRED IN CONSTRUCTION AGREEMENT WITH YOU THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM A. Paragraph C. Who Is An Insured of SECTION II - LIABILITY is amended to include as an additional insured any person or organization for whom you are required by a written contract or agreement, executed by both parties prior to the date of loss, to add as an additional insured on your policy. Such person or organization is an additional insured only with respect to liability for "bodily injury" or "property damage" caused, in whole or in part, by "your work" performed for the additional insured and included in the "products -completed operations hazard". But such person or organization is not an additional insured under this policy for any works, claims, losses, damages, acts or omissions of any kind that are unrelated to "your work" for such entity. B. With respect to the insurance afforded to these additional insureds, the following additional limitations and exclusions apply: This insurance does not apply to any "bodily injury" or "property damage" resulting from any act or omission by, or willful misconduct of the additional insured, whether the sole or a contributing cause of the loss. Coverage afforded to the additional insured is limited solely to the additional insured's "vicarious liability" that is a specific and direct result of your conduct. Policy Number: CT2652215-0 "Vicarious liability" is defined in this endorsement as liability that is imposed on the additional insured solely by virtue of its relationship with you, and not due to any act or omission of the additional insured. 2. If the Liability Limits of Insurance stated in this policy exceed the liability limits of insurance required by the written contract or agreement, the insurance provided by this endorsement shall be limited to the liability limits of insurance required by the written contract or agreement. This endorsement shall not increase the Limits of Insurance of Section II - Liability. C. If you have agreed in a written contract or agreement that this policy will be primary, and without right of contribution from any insurance issued to that additional insured, and the contract or agreement was executed prior to the "bodily injury" or "property damage", then this insurance will be primary over, and we will not seek contribution from, such insurance. The primary and noncontributory provision applies only with respect to liability for "bodily injury" or "property damage" caused, in whole or in part, by "your work" performed for the additional insured and included in the "products -completed operations hazard". Includes copyrighted material from the Insurance Services Office, Inc. with its permission. IN135 (10-2010) BUSINESSOWNERS BP 04 51 01 06 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. F0 i 1 = WAll TITI III _M e 0 IM91 This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM The following is added to Paragraph C. Who Is An Insured in Section II - Liability: 3. Any person(s) or organization(s) for whom you are performing operations is also an additional insured, if you and such person(s) or organiza- tion(s) have agreed in writing in a contract or agreement that such person(s) or organiza- tion(s) be included as an additional insured on your policy. Such person(s) or organization(s) is an additional insured only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by: a. Your acts or omissions; or b. The acts or omissions of those acting on your behalf; in the performance of your ongoing operations for the additional insured. A person's or organization's status as an in- sured under this endorsement ends when your operations for that insured are completed or the contractor's agreement is terminated. BP 04 51 01 06 © ISO Properties, Inc., 2004 Page 1 of 1 Y • • BUSINESSOWNERS BP 07 02 07 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT - AGGREGATE LIMITS OF INSURANCE (PER PROJECT) This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM Section II — Liability is amended as follows. - Under Paragraph D.4.b Liability And Medical Ex- penses Limits Of Insurance , the aggregate limit for all "bodily injury" and "property damage" other than "bodily injury" or "property damage" included in the "products -completed operations hazard" applies separately to each of your projects away from prem- ises owned by or rented to you. A separate aggregate will apply for projects at premises owned by or rented to you. BP 07 02 07 02 © ISO Properties, Inc., 2001 Page 1 of 1 Endorsement CA 60 Business Auto Optimum THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. With respect to the coverage provided by this endorsement, the provisions of the Business Auto Coverage Form apply unless modified by the endorsement. SECTION II - LIABILITY COVERAGE A. Broad Form Insured Paragraph A.1., Who Is An Insured, is amended to include as an insured: d. Any legally incorporated entity of which you own more than 50 percent of the voting stock during the period for which this endorsement is effective, if there is no similar insurance available to that organization. However: (1) The Named Insured does not include any organization: (i) that is a partnership or joint venture; or (ii) that is an insured under any other policy, or has exhausted its Limit of Insurance under any other policy. Paragraph d.(1)(i) above does not apply to a policy written to apply specifically in excess of this policy. (2) Coverage for newly acquired or formed organizations is afforded only for 180 days from the date of acquisition or formation. (3) Coverage does not apply to "bodily injury" or "property damage" that results from an "accident" that occurred before you formed or acquired that organization. e. Employees As Insureds - Non -ownership Any employee of yours is an "insured": Policy Number: CA2652216 (i) While using a covered "auto" you do not own, hire or borrow; or (ii) While operating an "auto" hired or rented without a driver under contract or agreement in that "employee's" name, with your permission, while performing duties related to the conduct of your business. f. Blanket Additional Insureds Any person or organization whom you are required in a written contract or agreement to include as an additional "insured" with respect to your ownership, maintenance or use of a covered "auto'. This provision only applies to written contracts or agreements that are signed prior to any "bodily injury" or "property damage" to which coverage applies. Coverage under this provision (f.) shall be primary and non-contributory with respect to the person or organization included as an "insured" under this provision(f.), but only if the written contract or agreement requires coverage to be primary and non-contributory. B. Increased Supplementary Payments Paragraphs 2.a.(2) and (4) Supplementary Payments are replaced by the following: (2) Up to $5,000 for the cost of bail bonds (including bonds for related traffic law violations) required because of an "accident" we cover. We do not have to furnish these bonds. (4) All reasonable expenses incurred by the "insured" at our request, including actual loss of earning up to $500 a day because of time off from work. Contains copyrighted material of ISO Properties, Inc., used with permission BKK104 (07-2013) continued... Endorsement CA 60 Business Auto Optimum C. Amended Fellow Employee Exclusion Exclusion 5., under Paragraph B., Exclusions, of SECTION II - LIABILITY, does not apply if the "bodily injury" results from the use of a covered "auto" you own or hire. The insurance provided under this provision is excess over any other collectible insurance. SECTION III - PHYSICAL DAMAGE COVERAGE The following coverages are added to Paragraph A. Coverage, of the PHYSICAL DAMAGE COVERAGE: 5. Hired Auto Physical Damage Coverage If hired "autos" are covered "autos" for Liability Coverage, and if Comprehensive, Specified Causes of Loss, or Collision coverage are provided under the Business Auto Coverage Form for any "auto" you own, then the Physical Damage coverages provided are extended to "autos" you hire, subject to the following: a. The most we will pay for "loss" to any hired "auto' is the lesser of: (1) $75,000; (2) Actual Cash Value; or (3) Cost of Repair. b. For each hired "auto', our obligation to pay for "loss" will be reduced by the deductible. The deductible will be equal to the largest deductible applicable to any owned "auto' for that coverage. No deductible applies to "loss" caused by fire or lightning. c. The insurance provided under this coverage extension is «««mver any other collectible insurance. d. Subject to the above limit, deductible and excess provisions, we will provide coverage equal to the broadest coverage applicable to any covered "auto' you own. Policy Number: CA2652216 e. Subject to a maximum limit of $500 per "accident", we will also cover loss of use of the hired "auto" if it results from an "accident", you are legally liable for, and the lessor incurs an actual financial loss. 6. Air Bag Coverage We will pay up to a maximum of $1,000 per occurrence to have air bags in your covered "auto" replaced for an incurred "loss" resulting from accidental deployment. Collision, Specified Causes of Loss, and Comprehensive deductibles do not apply to this coverage. 7. Additional Living Expense We will pay up to $25 a day, to a maximum of $400 for additional living expenses, meaning food, lodging and telephone costs, incurred by you due to a covered "loss" caused by: a. Comprehensive only if the Declarations indicate that Comprehensive Coverage is provided for that "auto'. b. Specified Causes of Loss only if the Declarations indicate that Specified Causes of Loss Coverage is provided for that auto. c. Collision only if the Declarations indicate that Collision Coverage is provided for that auto. This coverage applies only in the event that the "loss": a. Disables a covered "auto"; and b. Occurs more than 100 miles from the insured address shown in the Declarations or the garaging address of your covered "auto", if it is different from the insured address. We will pay the additional living expenses incurred until your covered "auto' is returned to use or we pay for its "loss". BKK104 (07-2013) page 2 Endorsement CA 60 Business Auto Optimum 8. Locked Vehicle Coverage We will pay to have your covered "auto' unlocked if your vehicle's keys are locked inside your covered "auto'. Collision, Specified Causes of Loss, and Comprehensive deductibles do not apply to this coverage. 9. Rental Reimbursement Coverage The following coverage is added to Section III Physical Damage A. Coverage: a. This coverage applies only to a covered "auto" described in the policy. b. We will pay for rental reimbursement expenses incurred by you for the rental of an "auto' because of "loss" to a covered "auto". Payment applies in addition to the otherwise applicable amount of each coverage you have on a covered "auto'. No deductible applies to this coverage. c. We will pay only for those expenses incurred during the policy period beginning 24 hours after the "loss" and ending, regardless of the policy's expiration, at a maximum of 30 days. d. Our payment is limited to the lesser of the following amounts: (1) Necessary and actual expenses incurred (2) A maximum payment of $60 per day. e. This coverage does not apply while there are spare or reserve "autos" available to you for your operations. If "loss" results from the total theft of a covered "auto' of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided for under the PHYSICAL DAMAGE COVERAGE Coverage Extension. Policy Number: CA2652216 10. Loan Lease Gap Coverage In the event of a total "loss" to a covered "auto" shown in the Schedule or Declarations we will pay any unpaid amount due on the lease or loan for a covered "auto', less: a. The amount paid under the Physical Damage Coverage Section of the policy; and b. Any: (1) Overdue lease/loan payments at the time of the "loss"; (2) Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage; (3) Security deposits not returned by the lessor; (4) Costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance purchased with the loan or lease; and (5) Carry-over balances from previous loans or leases. The following changes have been made to SECTION III - PHYSICAL DAMAGE COVERAGE: A. Towing and Labor Paragraph A.2. Towing under SECTION III - PHYSICAL DAMAGE COVERAGE, is deleted and replaced by the following: 2. Towing and Labor We will pay towing and labor costs incurred up to the limits shown below, each time a covered "auto' classified and rated as a private passenger type, "light truck" or "medium truck" is disabled: BKK104 (07-2013) page 3 Endorsement CA 60 Policy Number: CA2652216 Business Auto Optimum a. For private passenger type vehicles or "light trucks" we will pay to up $75 per disablement. "Light trucks" are trucks that have a gross vehicle weight (GVW) of 10,000 pounds or less. b. For "medium trucks" we will pay up to $175 per disablement. "Medium trucks" are trucks that have a gross vehicle weight (GVW) of 10,001-20,000 pounds. However, the labor must be performed at the place of disablement. B. Physical Damage Increased Transportation Expense Coverage Coverage for temporary transportation expense under Paragraph AA.a. Coverage Extension is increased to $50 per day, up to a maximum limit of $1,000. C. Glass Repair - Waiver of Deductible The following is added to Paragraph D. Deductible of SECTION III - PHYSICAL DAMAGE COVERAGE: No deductible applies to glass damage if the glass is repaired rather than replaced. SECTION IV - BUSINESS AUTO CONDITIONS A. Unintentional Failure to Disclose Hazards Paragraph B., General Conditions, is amended by adding the following: 9. Unintentional Failure to Disclose Hazards If you unintentionally fail to disclose any hazards or exposures existing as of the inception date of the Business Auto Coverage Form, the coverage afforded by this policy will not be prejudiced. However, you must report the undisclosed hazard or exposure as soon as practicable after its discovery, and we have the right to collect additional premium for same. B. Waiver Of Transfer Of Rights Of Recovery Against Others To Us - Automatic Status Under An Insured Contract Paragraph A.5. Transfer Of Rights Of Recovery Against Others To Us is amended by the addition of the following paragraphs: a. We waive any right of recovery we may have against any person or organization described in Paragraph b. below because of payments we make for "bodily injury" or "property damage" caused by an "accident" and resulting from the ownership, maintenance, or use of a covered "auto" in performance of work being performed under a contract with that person or organization. b. The waiver applies only to a person or organization with whom you have a written contract or agreement in which you are required to waive the rights of recovery under this policy, but only to the extent that subrogation is waived prior to the "accident" or the "loss" under a contract with that person or organization. BKK104 (07-2013) page 4