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25-069.00AccessUnlimitedDuressNotificationStrobeLightAdditions Contract No. 25-069 CONSTRUCTION AGREEMENT Access Unlimited&Security,Inc. THIS CONSTRUCTION AGREEMENT(the"Agreement") is made by and between the City of Spokane Valley,a code City of the State of Washington ("City")and Access Unlimited& Security, Inc., ("Contractor")jointly referred to as the"Parties". IN CONSIDERATION of the terms and conditions contained herein the Parties agree as follows: 1.Work to Be Performed. Contractor shall do all work and furnish all labor,supervision,tools,materials, supplies, and equipment and other items necessary for the construction and completion of the Duress System Blue Light Additions (the"Work") in accordance with the Scope of Work outlined in Exhibit A and in accordance with this Agreement (which are by this reference incorporated herein and made part hereof and referred to as the "Contract Documents"), and shall perform any changes in the work in accordance with the Contract Documents. The terms and provisions in this Agreement shall control over any inconsistent or incompatible terms in any other Contract Document. Contractor shall,for the amount set forth in paragraph 4,below,assume and be responsible for the cost and expense of all work required for constructing and completing the Work and related activities to the City's satisfaction, provided for in the Contract Documents, within the time limits prescribed in the Contract Documents. The City Manager or designee shall administer and be the primary contact for Contractor. Upon notice from City,Contractor shall promptly commence work,complete the same in a timely manner,and cure any failure in performance under this Agreement. Unless otherwise directed by City, all work shall be performed in conformance with the Contract Documents, and all City, state, and federal standards, codes, ordinances, regulations, and laws as now existing or as may be adopted or amended. 2. Time for Performance. Contractor shall commence the Work within 10 days of receipt of a notice to proceed and shall complete the Work within the times specified in the Contract Documents, as may be extended in accordance with this Agreement and the Contract Documents. 3. Liquidated Damages. Time is of the essence for this Agreement. Delays cause inconvenience to the residents of City and cost taxpayers undue sums of money, adding time needed for administration, engineering, inspection, and supervision. It is impractical for City to calculate the actual cost of delays. Accordingly, Contractor agrees to pay liquidated damages for failure to achieve Substantial Completion(as defined in the Contract Documents)which shall be in the amount of$100 per day. These liquidated damages are not a penalty, but are fixed and agreed upon by and between Contractor and City because of the impracticability and difficulty of fixing and ascertaining the actual damages that City would sustain in the event that the Work is not completed in accordance with the Contract Documents. Liquidated damages may be retained by City and deducted from payments otherwise due to the Contractor. 4. Compensation. In consideration of Contractor performing the Work, City agrees to pay Contractor in accordance with the Contract Documents the sum of , . , plus Washington State Sales Tax of $121.94, for a total of$1,491.94, based on the bid submitte by Contractor (Exhibit A), and as may be adjusted in accordance with the Contract Documents. //31 o.o o IS:1ts' Construction Agreement Page 1 of 9 5.Payment. Contractor may elect to be paid in monthly installments,upon presentation of an application for payment in a form satisfactory to City. Applications for payment shall be sent to the City Finance Department at the address stated in paragraph 6. Pursuant to chapter 60.28 RCW,five percent of the compensation due Contractor shall be retained by City. City reserves the right to withhold payment under this Agreement for that portion of the work(if any)which is determined in the reasonable judgment of the City Manager or designee to be noncompliant with the Contract Documents,City standards,City Code,state standards,or federal standards. 6.Notice. Notice other than applications for payment shall be given in writing as follows: TO THE CITY: TO THE CONTRACTOR: Name: Marci Patterson,City Clerk Name: Ken Pickens Phone: (509)720-5000 Phone: 509.541.0563 Address: 10210 East Sprague Avenue Address: 2615 N Cincinnati St, STE 101 Spokane Valley,WA 99206 Spokane,WA 99207 7.Applicable Laws and Standards. The Parties, in the performance of this Agreement,agree to comply with all applicable federal, state,and local laws,codes,and regulations. 8. Certification Regarding Debarment, Suspension, and Other Responsibility Matters — Primary Covered Transactions. A. By executing this Agreement,the Contractor certifies to the best of its knowledge and belief, that it and its principals: 1. Are not presently debarred, suspended,proposed for debarment,declared ineligible, or voluntarily excluded from covered transactions by any federal department or agency; 2. Have not within a three-year period preceding this proposal been convicted of or had a civil judgment rendered against them for commission of fraud or a criminal offense in connection with obtaining, attempting to obtain, or performing a public (federal, state, or local) transaction or contract under a public transaction; violation of federal or state antitrust statutes or commission of embezzlement, theft, forgery, bribery, falsification or destruction of records,making false statements,or receiving stolen property; 3. Are not presently indicted for or otherwise criminally or civilly charged by a governmental entity (federal, state, or local) with commission of any of the offenses enumerated in paragraph(A)(2)of this certification; and 4. Have not within a three-year period preceding this application/proposal had one or more public transactions(federal,state,or local)terminated for cause or default. B. Where the prospective primary participant is unable to certify to any of the statements in this certification,such prospective participant shall attach an explanation to this Agreement. 9.Prevailing Wages on Public Works. Contractor,any subcontractor,or other person doing work under this Agreement, shall comply with the requirements of chapter 39.12 RCW,and shall pay each employee an amount not less than the Prevailing Rate of Wage, as specified by the Industrial Statistician of the Construction Agreement Page 2 of 9 Washington State Department of Labor and Industries("L&I"). If employing labor in a class not shown, Contractor shall request a determination of the correct wage rate for the class and locality from the Industrial Statistician. Contractor shall provide a copy of any such determinations to City. Before commencing, during, and upon completion of the work,Contractor shall file all forms and pay all fees required by L&I and shall indemnify and hold City harmless from any claims related to its failure to comply with chapter 39.12 RCW. The following information is provided pursuant to RCW 39.12.030: A. State of Washington prevailing wage rates applicable to this public works project,published by L&I,are located at the L&I website address: https://lni.wa.gov/licensing-permits/public-works-projects/prevailing-wage-rates/ B.This Project is located in Spokane County. C.The effective prevailing wage date is the same date as the bid due date as referenced in the original request for bids and as may be revised by addenda. A copy of the applicable prevailing wage rates is also available for viewing at the City Community&Public Works Department located at 10210 East Sprague Avenue, Spokane Valley, WA 99206. Upon request, City will mail a hard copy of the applicable prevailing wages for this project. 10. Relationship of the Parties. It is understood and agreed that Contractor shall be an independent contractor and not the agent or employee of City,that City is interested only in the results to be achieved, and that the right to control the particular manner,method,and means in which the services are performed is solely within the discretion of Contractor. Any and all employees who provide services to City under this Agreement shall be deemed employees solely of Contractor. Contractor shall be solely responsible for the conduct and actions of all its employees under this Agreement and any liability that may attach thereto. 11. Ownership of Documents. All drawings,plans, specifications, and other related documents prepared by Contractor under this Agreement are and shall be the property of City,and may be subject to disclosure pursuant to chapter 42.56 RCW,or other applicable public record laws. 12.Records. The City or State Auditor or any of their representatives shall have full access to and the right to examine during normal business hours all of Contractor's records with respect to all matters covered in this Agreement. Such representatives shall be permitted to audit, examine, make excerpts or transcripts from such records, and to make audits of all contracts, invoices, materials, payrolls,and record of matters covered by this Agreement for a period of three years from the date final payment is made hereunder. 13.Warranty. Unless provided otherwise in the Contract Documents,Contractor warrants that all Work and materials performed or installed under this Agreement are free from defect or failure for a period of one year following final acceptance by City,unless a supplier or manufacturer has a warranty for a greater period, which warranty shall be assigned or transferred to City. In the event a defect or failure occurs in work or materials, Contractor shall, within the warranty period,remedy the same at no cost or expense to City. This warranty provision shall not be construed to establish a period of limitation with respect to Contractor's other obligations under this Agreement. 14.Contractor to Be Licensed and Bonded. Contractor shall be duly licensed,registered,and bonded by the State of Washington at all times this Agreement is in effect. Construction Agreement Page 3 of 9 15.Contractor to Provide Performance and Payment Bonds. Contractor shall provide a payment bond and a performance bond in the full amount of the Agreement on the City's bond forms. Alternatively, Contractor may elect to have the City retain 10% of the Agreement amount in lieu of providing the City with a payment bond and a performance bond, pursuant to RCW 39.08.010(3). 16. Insurance. Contractor shall procure and maintain insurance, as required in this Section, without interruption from commencement of the Contractor's work through the term of the Contract and for 30 days after the physical completion date, unless otherwise indicated herein. A.Minimum Scope of Insurance. Contractor shall obtain insurance of the types described below: I. Automobile liability insurance covering all owned, non-owned, hired and leased vehicles. Coverage shall be at least as broad as Insurance Services Office(ISO)form CA 00 01. 2.Commercial general liability insurance shall be at least as broad as ISO occurrence form CG 00 01 and shall cover liability arising from premises, operations, stop gap liability, independent contractors, products-completed operations for a period of three years following substantial completion of the work for the benefit of the City, personal injury and advertising injury,and liability assumed under an insured contract. The Commercial General Liability insurance shall be endorsed to provide a per project general aggregate limit, using ISO form CG 25 03 05 09 or an endorsement providing at least as broad coverage. There shall be no exclusion for liability arising from explosion, collapse or underground property damage. The City shall be named as an additional insured under the Contractor's Commercial General Liability insurance policy with respect to the work performed for the City using ISO Additional Insured endorsement CG 20 10 10 01 and Additional Insured-Completed Operations endorsement CG 20 37 10 01 or substitute endorsements providing at least as broad coverage. 3. Workers' compensation coverage as required by the industrial insurance laws of the State of Washington. B.Minimum Amounts of Insurance. Contractor shall maintain the following insurance limits: 1. Automobile liability insurance with a minimum combined single limit for bodily injury and property damage of no less than$1,000,000 per accident. 2. Commercial general liability insurance shall be written with limits no less than $2,000,000 each occurrence, $2,000,000 general aggregate,and no less than a$2,000,000 products-completed operations aggregate limit. C. Other Insurance Provisions. The insurance policies are to contain, or be endorsed to contain, the following provisions for automobile liability and commercial general liability insurance: 1. Contractor's insurance coverage shall be primary insurance with respect to City. Any insurance, self-insurance, or insurance pool coverage maintained by City shall be excess of Contractor's insurance and shall not contribute with it. 2.Contractor shall fax or send electronically in.pdf format a copy of insurer's cancellation notice within two business days of receipt by Contractor. Construction Agreement Page 4 of 9 3. If Contractor maintains higher insurance limits than the minimums shown above, City shall be insured for the full available limits of commercial general and excess or umbrella liability maintained by Contractor, irrespective of whether such limits maintained by Contractor are greater than those required by this Agreement or whether any certificate of insurance furnished to the City evidences limits of liability lower than those maintained by Contractor. 4.Failure on the part of Contractor to maintain the insurance as required shall constitute a material breach of this Agreement, upon which the City may, after giving at least five business days' notice to Contractor to correct the breach, immediately terminate the Agreement, or at its sole discretion, procure or renew insurance and pay any and all premiums in connection therewith, with any sums so expended to be repaid to City on demand,or at the sole discretion of the City,offset against funds due Contractor from the City. D.No Limitation. The Contractor's maintenance of insurance, its scope of coverage,and limits as required herein shall not be construed to limit the liability of the Contractor to the coverage provided by such insurance, or otherwise limit the City's recourse to any remedy available at law or in equity. E.Acceptability of Insurers. Insurance is to be placed with insurers with a current A.M.Best rating of not less than A:VII. F. Evidence of Coverage. As evidence of the insurance coverages required by this Agreement, Contractor shall furnish acceptable insurance certificates to City at the time Contractor returns the signed Agreement,which shall be Exhibit B. The certificate shall specify all of the parties who are additional insureds, and shall include applicable policy endorsements, and the deduction or retention level. Insuring companies or entities are subject to City acceptance. If requested, complete copies of insurance policies shall be provided to City. Contractor shall be financially responsible for all pertinent deductibles,self-insured retentions,and/or self-insurance. G. Failure to Maintain Insurance. Failure on the part of the Contractor to maintain the insurance as required shall constitute a material breach of contract, upon which the City may,after giving at least five business days' notice to Contractor to correct the breach, immediately terminate the Agreement or, at its discretion, procure or renew such insurance and pay any and all premiums in connection therewith,with any sums so expended to be repaid to the City on demand,or at the sole discretion of the City,offset against funds due Contractor from the City. H. Subcontractor Insurance. Contractor shall cause each and every subcontractor to provide insurance coverage that complies with all applicable requirements of Contractor-provided insurance as set forth herein, except Contractor shall have sole responsibility for determining the limits of coverage required to be obtained by subcontractors. Contractor shall ensure that the City is an additional insured on each subcontractor's Commercial General liability insurance policy using an endorsement as least as broad as ISO CG 20 10 10 01 for ongoing operations and CG 20 37 10 01 for completed operations. 17. Indemnification and Hold Harmless. Contractor shall defend, indemnify and hold the City, its officers,officials,employees and volunteers harmless from any and all claims, injuries,damages,losses or suits including attorney fees,arising out of or in connection with the performance of this Agreement,except for injuries and damages caused by the sole negligence of the City. Construction Agreement Page 5 of 9 However, should a court of competent jurisdiction determine that this Agreement is subject to RCW 4.24.115,then, in the event of liability for damages arising out of bodily injury to persons or damages to property caused by or resulting from the concurrent negligence of the Contractor and the City, its officers, officials, employees,and volunteers, the Contractor's liability hereunder shall be only to the extent of the Contractor's negligence. It is further specifically and expressly understood that the indemnification provided herein constitutes the Contractor's waiver of immunity under Industrial Insurance,Title 51 RCW, solely for the purposes of this indemnification. This waiver has been mutually negotiated by the parties. The provisions of this section shall survive the expiration or termination of this Agreement. 18.Waiver.No officer,employee,agent,or other individual acting on behalf of either party has the power, right,or authority to waive any of the conditions or provisions of this Agreement. No waiver in one instance shall be held to be waiver of any other subsequent breach or nonperformance. All remedies afforded in this Agreement or by law shall be taken and construed as cumulative and in addition to every other remedy provided herein or by law. Failure of either party to enforce at any time any of the provisions of this Agreement or to require at any time performance by the other party of any provision hereof shall in no way be construed to be a waiver of such provisions nor shall it affect the validity of this Agreement or any part thereof. 19. Assignment and Delegation. Neither party shall assign, transfer, or delegate any or all of the responsibilities of this Agreement or the benefits received hereunder without first obtaining the written consent of the other party. 20. Confidentiality. Contractor may,from time-to-time, receive information which is deemed by City to be confidential. Contractor shall not disclose such information without the prior express written consent of City or upon order of a Court of competent jurisdiction. 21. Disputes. All disputes arising under or related to this Agreement that cannot be resolved through informal discussion and negotiations shall be resolved by litigation filed in the Superior Court of the State of Washington for Spokane County,unless otherwise required by applicable federal or state law. 22. Costs and Attorney's Fees. The prevailing party in any litigation or arbitration arising out of this Agreement shall be entitled to its attorney's fees and costs of such litigation or arbitration(including expert witness fees). 23. Subcontractor Responsibility. As required by RCW 39.06.020,Contractor shall verify responsibility criteria for each first tier subcontractor and its subcontractors of any tier that hires other subcontractors shall verify responsibility criteria for each of its subcontractors. Verification shall include that each subcontractor, at the time of subcontract execution, meets the responsibility criteria listed in RCW 39.04.350(1) and possesses an electrical contractor license, if required by chapter 19.28 RCW, or an elevator contractor license if required by chapter 70.87 RCW. This verification requirement shall be included in every subcontract of every tier. 24.Jurisdiction and Venue.This Agreement is entered into in Spokane County,Washington. Venue shall be in Spokane County,State of Washington. 25.Entire Agreement. This Agreement constitutes the entire and complete agreement between the parties and supersedes any prior oral or written agreements. This Agreement may not be changed, modified, or altered except in writing signed by the Parties. 26.Anti-kickback. No officer or employee of City,having the power or duty to perform an official act or Construction Agreement Page 6 of 9 action related to this Agreement, shall have or acquire any interest in this Agreement, or have solicited, accepted,or granted a present or future gift,favor,service,or other thing of value from any person with an interest in this Agreement. 27. Business Registration. Prior to commencement of Work under this Agreement, Contractor shall register with the City as a business if it has not already done so. 28. Assurance of Compliance with Applicable Federal Law. During the performance of this Agreement, the Contractor,for itself, its assignees,and successors in interest agrees as follows: A. Compliance with Regulations. Contractor shall comply with the federal laws set forth in subsection G, below ("Pertinent Non-Discrimination Authorities") relative to non-discrimination in federally-assisted programs as adopted or amended from time-to-time, which are herein incorporated by reference and made a part of this Agreement. B. Non-discrimination. Contractor,with regard to the work performed by it during this Agreement, shall not discriminate on the grounds of race,color,or national origin in the selection and retention of subcontractors, including procurements of materials and leases of equipment. Contractor shall not participate directly or indirectly in the discrimination prohibited by the Acts and the Regulations, including employment practices when the contract covers any activity, project, or program set forth in Appendix B of 49 CFR Part 21. C. Solicitations for Subcontracts, Including Procurements of Materials and Equipment. In all solicitations, either by competitive bidding, or negotiation made by Contractor for work to be performed under a subcontract, including procurements of materials,or leases of equipment,each potential subcontractor or supplier shall be notified by Contractor of Contractor's obligations under this Agreement and the Acts and the Regulations relative to non-discrimination on the grounds of race,color,or national origin. D. Information and Reports. Contractor shall provide all information and reports required by the Acts, the regulations, and directives issued pursuant thereto, and shall permit access to its books, records,accounts,other sources of information,and its facilities as may be determined by the City or the WSDOT to be pertinent to ascertain compliance with such Acts,regulations,and instructions. Where any information required of Contractor is in the exclusive possession of another who fails or refuses to furnish the information, Contractor shall so certify to the City or the WSDOT, as appropriate,and shall set forth what efforts it has made to obtain the information. E. Sanctions for Noncompliance. In the event of a Contractor's noncompliance with the non- discrimination provisions of this Agreement, the City will impose such contract sanctions as it or the WSDOT may determine to be appropriate, including,but not limited to: 1. Withholding payments to Contractor under the Agreement until Contractor complies; and/or 2. Cancelling,terminating,or suspending the Agreement,in whole or in part. F. Incorporation of Provisions. Contractor shall include the provisions of Section 28 of this Agreement in every subcontract, including procurements of materials and leases of equipment, unless exempt by the Acts,regulations and directives issued pursuant thereto.Contractor shall take action with respect to any subcontract or procurement as the City or the WSDOT may direct as a means of enforcing such provisions, including sanctions for noncompliance. Provided, that if Construction Agreement Page 7 of 9 Contractor becomes involved in, or is threatened with litigation by a subcontractor or supplier because of such direction, Contractor may request that the City enter into any litigation to protect the interests of the City. In addition, Contractor may request the United States to enter into the litigation to protect the interests of the United States. G. Pertinent Non-Discrimination Authorities: During the performance of this Agreement, the Contractor agrees to comply with the following non-discrimination statutes and authorities; including but not limited to: Title VI of the Civil Rights Act of 1964(42 U.S.C. §2000d et seq., 78 stat.252),(prohibits discrimination on the basis of race,color,national origin);and 49 CFR Part 21;and 49 Part 26; The Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970, (42 U.S.C. §4601),(prohibits unfair treatment of persons displaced or whose property has been acquired because of Federal or Federal-aid programs and projects); Federal-Aid Highway Act of 1973, (23 U.S.C. §324 et seq.),(prohibits discrimination on the basis of sex); Section 504 of the Rehabilitation Act of 1973, (29 U.S.C. §794 et seq.), as amended, (prohibits discrimination on the basis of disability); and 49 CFR Part 27; The Age Discrimination Act of 1975, as amended, (42 U.S.C. §610I et seq.), (prohibits discrimination on the basis of age); Airport and Airway Improvement Act of 1982, (49 U.S.C. §471, Section 47123), as amended,(prohibits discrimination based on race,creed,color,national origin,or sex); The Civil Rights Restoration Act of 1987, (PL 100-209),(Broadened the scope,coverage and applicability of Title VI of the Civil Rights Act of 1964,The Age Discrimination Act of 1975 and Section 504 of the Rehabilitation Act of 1973,by expanding the definition of the terms"programs or activities"to include all of the programs or activities of the Federal- aid recipients, sub-recipients and contractors, whether such programs or activities are Federally funded or not); Titles II and III of the Americans with Disabilities Act, which prohibit discrimination on the basis of disability in the operation of public entities, public and private transportation systems,places of public accommodation,and certain testing entities(42 U.S.C. §§12131- 12189)as implemented by Department of Transportation regulations at 49 C.F.R.parts 37 and 38; The Federal Aviation Administration's Non-discrimination statute (49 U.S.C. §47123) (prohibits discrimination on the basis of race,color,national origin,and sex); Executive Order 12898, Federal Actions to Address Environmental Justice in Minority Populations and Low-Income Populations, which ensures Non-discrimination against minority populations by discouraging programs, policies, and activities with disproportionately high and adverse human health or environmental effects on minority and low-income populations; Construction Agreement Page 8 of 9 Executive Order 13166, Improving Access to Services for Persons with Limited English Proficiency, and resulting agency guidance, national origin discrimination includes discrimination because of Limited English proficiency(LEP).To ensure compliance with Title VI,you must take reasonable steps to ensure that LEP persons have meaningful access to your programs(70 Fed. Reg.at 74087 to 74100);and Title IX of the Education Amendments of 1972, as amended, which prohibits you from discriminating because of sex in education programs or activities(20 U.S.C.§1681 et seq.). 29.Severability. If any section,sentence,clause,or phrase of this Agreement should be held to be invalid for any reason by a court of competent jurisdiction,such invalidity shall not affect the validity of any other section,sentence,clause,or phrase of this Agreement. 30.Exhibits. Exhibits attached and incorporated into this Agreement are: A. Scope of Work and Cost Statement B. Insurance Endorsements The Parties have executed this Agreement this 25 day of March, 2025. CITY OF SPOKANE VALLEY: Contractor: Jo n Hohman, City Manager By: Its: Authorized Representative APPR VED AS ORM: O tc of the City ttorney Construction Agreement Page 9 of 9 ACCESS Access Unlimited and Security EXHIBIT A 2615 N Cincinnati St STE 101 UNLIMITED Spokane WA,99207 &Security Inc Invoicing Address: City of Spokane Valley,Chad Knodel City of Spokane Valley 10210 E Sprague Ave 10210 E Sprague Ave Spokane Valley WA 99206-6124 Spokane Valley WA 99206-6124 United States United States t. 509-720-5055 Shipping Address: City of Spokane Valley,Chad Knodel 10210 E Sprague Ave Spokane Valley WA 99206-6124 United States t. 5097205055 Quotation # S00954 Quotation Date: Expiration: Salesperson: 12/11/2023 04/27/2025 Ken Pickens Scope of Work Supply and Install(2)GN-9041386 Ceiling mounted Genetec white base/blue strobe lights to existing Lynx output circuit. Description Quantity Unit Price Taxes Amount GN-9041386 2.00 Units 57.50 8.9% $115.00 Genetec GN-9041386 Ceiling Mount Blue Strobe Plenum 18ga 2cond interior cable 100.00 Units 1.75 8.9% $175.00 LABOR-Journeyman 8.00 Units 135.00 8.9% $1,080.00 LABOR-SA Labor-Sr Analyst-Hourly Rate Untaxed Amount $1,370.00 Washington Sales $121.94 Total $ 1,491.94 (509)241-0563 I contact@ausecurity.net I www.ausecurity.net AC� DATE(MMIDDIYYYY) ACC. CERTIFICATE OF LIABILITY INSURANCE 03l2712025 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 CONTCONTACT Cheryl L Martinelli Risk Sure Advisors AX 1614 S Mildred St Suite 1614-12 (a/c°.No.Ext): 253-848-9900 (NC.No):253-848-0103 Tacoma, WA 98465 ADDRE E-MAIL s: clm@risksureadvisors.com License#: 106544 INSURER(S)AFFORDING COVERAGE NAIC# INSURERA: Western National Mutual Insurance Company 15377 INSURED INSURERB: Travelers Insurance Company Access Unlimited and Security, Inc. INSURERC: 2615 N. Cincinnati St. STE 101 INSURERD: Spokane, WA 99207 INSURERS: INSURER F: COVERAGES CERTIFICATE NUMBER: 00046203-750247 REVISION NUMBER: 33 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 CONTRACTOR 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. L I INSR TYPE OF INSURANCE INSD SUER VD POLICY NUMBER POLICY EFF POLICY EXP (MMlDD/YYYY1 IMMlD DIYYYY) UMITS A X COMMERCIAL GENERAL LIABILITY Y Y CPP1352773 09117/2024 09/17/2025 EACH OCCURRENCE $ 1,000,000 DAMGE TO CLAIMS-MADE X OCCUR PPREM SES(EaENTED occurrence) $ 100,000 MED EXP(Any one person) $ 5,000 PERSONAL&ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 3,000,000 POLICY X JEC LOC PRODUCTS-COMP/OP AGG $ 3,000,000 OTHER: Professional Liab $ 1,000,000 A AUTOMOBILE LIABILITY Y Y CPP1353146 09/17/2024 09/17/2025 (Ea accideD SINGLE LIMIT $ 1,000,000 X ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ _ AUTOS ONLY _ AUTOS ONLY (Per accident) $ A X UMBRELLALIAB X OCCUR UMB1058522 09/17/2024 09/17/2025 EACHOCCURRENCE $ 2,000,000 EXCESS LIAB CLAIMS-MADE AGGREGATE $ 2,000,000 DED X RETENTIONS 10,000 $ A WORKERS COMPENSATION YIN CPP1352773 09/17/2024 09/17/2025 PER STATUTE X ER" Stop Gap AND EMPLOYERS'LIABILITY ANY PROPRIETORJPARTNERJEXECUTIVE E.L EACH ACCIDENT $ 1,000,000 OFFICER/MEMBER EXCLUDED? N/A (Mandatory In NH) E.L DISEASE-EA EMPLOYEE $ 1,000,000 If es,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ 1,000,000 B !Crime 107894904 08/15/2024 08/15/2025 500,000 A Lsd & Rented Equip CPP1353156 09/17/2024 09/17/2025 1,000,000 I DESCRIPTION OF OPERATIONS!LOCATIONS!VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached If more space is required) Certificate holder is named as additional insured as per written contract. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Spokane ValleyCityHall THE EXPIRATION DATE THEREOF,NOTICE WILL BE DELIVERED IN P ACCORDANCE WITH THE POLICY PROVISIONS. 10210 East Sprague Avenue Spokane Valley,WA 99206 AUTHORIZED REPRESENTATIVE (CLM) 644,4ekyertienot4.4.064; 88-201CORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD Printed by CLM on 03/27/2025 at 09:48AM Western National Mutual Insurance Company Policy Number: UMB 1058522 00 4700 West 77th Street QUOTE DECLARATION Edina, MN 55435 Named Insured: www.wnins.com ACCESS UNLIMITED AND SECURITY, COMMERCIAL LIABILITY UMBRELLA SCHEDULE OF UNDERLYING INSURANCE POLICY NUMBER, CARRIER TYPE OF LIMITS OF INSURANCE and POLICY PERIOD POLICY CPP1353146 Commercial Auto Bodily Injury Liability Liability Each Person Each Accident WESTERN NATIONAL INSURANCE Property Damage Liability Each Accident Combined Single Limit 09/17/2024 to 09/17/2025 $1,000, 000 CPP1352773 Commercial General General Aggregate Liability (other than Products- Completed Operations) $3, 000, 000 Products-Completed WESTERN NATIONAL INSURANCE Operations Aggregate $1, 000, 000 Personal and Advertising Injury 09/17/2024 to 09/17/2025 $1,000, 000 Each Occurrence CPP 1352773 Stop Gap Liability Bodily Injury by Accident $1,000,000 Each Accident WESTERN NATIONAL INSURANCE Bodily Injury by Disease $1, 000, 000 Policy Limit Bodily Injury by Disease 09/17/2024 to 09/17/2025 $1, 000, 000 Each Employee Issued Date: 09/04/2024 WN CU 02 07 07 AGENT COPY Page 2 of 3 POLICY NUMBER: CPP1352773 COMMERCIAL GENERAL LIABILITY CG20100413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Person(s) Or Organization(s) Location(s) Of Covered Operations Any party to which the named insured As Per Written Contract is required to name as additional insured. Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II — Who Is An Insured is amended to B. With respect to the insurance afforded to these include as an additional insured the person(s) or additional insureds, the following additional organization(s) shown in the Schedule, but only exclusions apply: with respect to liability for "bodily injury", "property This insurance does not apply to "bodily injury" or damage" or "personal and advertising injury" "property damage"occurring after: caused, in whole or in part, by: 1. Your acts or omissions; or 1. All work, including materials, parts or equipment furnished in connection with such 2. The acts or omissions of those acting on your work, on the project (other than service, behalf; maintenance or repairs) to be performed by or in the performance of your ongoing operations for on behalf of the additional insured(s) at the the additional insured(s) at the location(s) location of the covered operations has been designated above. completed; or However: 2. That portion of "your work" out of which the injury or damage arises has been put to its 1. The insurance afforded to such additional intended use by any person or organization insured only applies to the extent permitted by other than another contractor or subcontractor law; and engaged in performing operations for a 2. If coverage provided to the additional insured is principal as a part of the same project. required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. CG 20 10 04 13 ©Insurance Services Office, Inc., 2012 Page 1 of 2 C. With respect to the insurance afforded to these 2. Available under the applicable Limits of additional insureds, the following is added to Insurance shown in the Declarations; Section III—Limits Of Insurance: whichever is less. If coverage provided to the additional insured is This endorsement shall not increase the required by a contract or agreement, the most we applicable Limits of Insurance shown in the will pay on behalf of the additional insured is the Declarations. amount of insurance: 1. Required by the contract or agreement; or Page 2 of 2 ©Insurance Services Office, Inc., 2012 CG 20 10 04 13 POLICY NUMBER: CPP1352773 COMMERCIAL GENERAL LIABILITY CG20370413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - COMPLETED OPERATIONS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Person(s) Or Organization(s) Location And Description Of Completed Operations Any party to which the named insured As Per Written Contract is required to name as additional insured. Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II — Who Is An Insured is amended to B. With respect to the insurance afforded to these include as an additional insured the person(s) or additional insureds, the following is added to organization(s) shown in the Schedule, but only Section III—Limits Of Insurance: with respect to liability for "bodily injury" or If coverage provided to the additional insured is "property damage"caused, in whole or in part, by required by a contract or agreement, the most we "your work" at the location designated and will pay on behalf of the additional insured is the described in the Schedule of this endorsement amount of insurance: performed for that additional insured and included in the "products-completed operations 1. Required by the contract or agreement; or hazard". 2. Available under the applicable Limits of However: Insurance shown in the Declarations; 1. The insurance afforded to such additional whichever is less. insured only applies to the extent permitted This endorsement shall not increase the applicable by law; and Limits of Insurance shown in the Declarations. 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. CG 20 37 04 13 ©Insurance Services Office, Inc., 2012 Page 1 of 1 COMMERCIAL GENERAL LIABILITY CG20010413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to the Other Insurance (2) You have agreed in writing in a contract or Condition and supersedes any provision to the agreement that this insurance would be contrary: primary and would not seek contribution Primary And Noncontributory Insurance from any other insurance available to the additional insured. This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1) The additional insured is a Named Insured under such other insurance; and CG 20 01 04 13 ©Insurance Services Office, Inc., 2012 Page 1 of 1 POLICY NUMBER: cPP135277 COMMERCIAL GENERAL LIABILITY CG25030509 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED CONSTRUCTION PROJECT(S) GENERAL AGGREGATE LIMIT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Construction Project(s): As Per Written Contract Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. For all sums which the insured becomes legally 3. Any payments made under Coverage A for obligated to pay as damages caused by "occur- damages or under Coverage C for medical rences" under Section I—Coverage A, and for all expenses shall reduce the Designated Con- medical expenses caused by accidents under struction Project General Aggregate Limit for Section I — Coverage C, which can be attributed that designated construction project. Such only to ongoing operations at a single designated payments shall not reduce the General Ag- construction project shown in the Schedule gregate Limit shown in the Declarations nor above: shall they reduce any other Designated Con- 1. A separate Designated Construction Project struction Project General Aggregate Limit for General Aggregate Limit applies to each des- any other designated construction project ignated construction project, and that limit is shown in the Schedule above. equal to the amount of the General Aggregate 4. The limits shown in the Declarations for Each Limit shown in the Declarations. Occurrence, Damage To Premises Rented To 2. The Designated Construction Project General You and Medical Expense continue to apply. Aggregate Limit is the most we will pay for the However, instead of being subject to the sum of all damages under Coverage A, ex- General Aggregate Limit shown in the Decla- cept damages because of "bodily injury" or rations, such limits will be subject to the appli- "property damage" included in the "products- cable Designated Construction Project Gen completed operations hazard", and for medi— cal expenses under Coverage C regardless of the number of: a. Insureds; b. Claims made or"suits"brought; or c. Persons or organizations making claims or bringing "suits". CG 25 03 05 09 ©Insurance Services Office, Inc., 2008 Page 1 of 2 0 B. For all sums which the insured becomes legally C. When coverage for liability arising out of the obligated to pay as damages caused by "occur- "products-completed operations hazard" is pro- rences" under Section I—Coverage A, and for all vided, any payments for damages because of medical expenses caused by accidents under "bodily injury" or "property damage" included in Section I — Coverage C, which cannot be attrib- the "products-completed operations hazard" will uted only to ongoing operations at a single des- reduce the Products-completed Operations Ag- ignated construction project shown in the Sched- gregate Limit, and not reduce the General Ag- ule above: gregate Limit nor the Designated Construction 1. Any payments made under Coverage A for Project General Aggregate Limit. damages or under Coverage C for medical D. If the applicable designated construction project expenses shall reduce the amount available has been abandoned, delayed, or abandoned under the General Aggregate Limit or the and then restarted, or if the authorized contract- Products-completed Operations Aggregate ing parties deviate from plans, blueprints, de- Limit, whichever is applicable; and signs, specifications or timetables, the project will 2. Such payments shall not reduce any Desig still be deemed to be the same construction pro- nated Construction Project General Aggre- ject. gate Limit. E. The provisions of Section III — Limits Of Insur- ance not otherwise modified by this endorsement shall continue to apply as stipulated. Page 2 of 2 ©Insurance Services Office, Inc., 2008 CG 25 03 05 09 0 COMMERCIAL GENERAL LIABILITY CG MU 1078 06 22 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GENERAL LIABILITY SPECIALTY SOLUTIONS ENHANCEMENT This endorsement modified insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM (CG 00 01) SUMMARY OF COVERAGES Description Limit Of Insurance Abduction $50,000 per Abduction/$50,000 Aggregate/$1,000 deductible Additional Insured—Broad Form Vendors Included Additional Insured—Lessor Of Leased Equipment Included Additional Insured—Managers Or Lessors Of Premises Included Additional Insured—State Or Political Subdivisions—Permits Included Additional Insureds By Written Contract Included Broad Form Property Damage $25,000 Per Occurrence Broad Knowledge/Notice Of Occurrence Included Damage To Premises Rented To You $300,000 Any One Premises Designated Location(s)—General Aggregate Limit Included Employee Bodily Injury To A Co-Employee Included Insured Contract Amended Included Medical And Dental Payments $10,000 Medical Expense Limit Mobile Equipment Included Non-Owned Watercraft 51 Feet Occupational License Review Expense $2,500 Per Review/$5,000 Aggregate Property Damage Liability—Borrowed Equipment $25,000 Occurrence/$50,000 Aggregate Property Damage Liability—Elevator And Sidetrack Agreement Included Supplementary Payments Increased Limits Bail Bonds $2,500 Loss Of Earnings Per Day $1,000 Unintentional Failure To Disclose Hazards Included Waiver Of Transfer Of Rights Of Recovery Against Others To Us Included CG MU 1078 06 22 Page 1 of 11 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. The terms and conditions of this policy are amended as indicated below: I. Non-Owned Watercraft SECTION I—COVERAGES,COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE, Exclusion 2.g.(2) is revised as follows: This exclusion does not apply to: (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; This provision applies to any person, who with your expressed or implied consent, either uses or is responsible for the use of the watercraft. This provision does not apply if the insured has any other insurance for "bodily injury" or "property damage" liability that would also be covered under this provision, whether the other insurance is primary, excess, contin- gent or on any other basis. In that case, this provision does not provide any insurance. II. Damage To Premises Rented To You Under SECTION I — COVERAGES, COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE, the last paragraph of 2. is deleted and replaced with the following: Exclusions c. through n. do not apply to "Property Damage"to the premises while rented to you or temporarily occupied by you with permission of the owner.A separate Damage To Premises Rented To You Limit of Insur- ance applies to this coverage which is the greater of: 1. The Damage To Premises Rented To You Limit for Each Occurrence shown in the Declarations; or 2. $300,000 Under Section III —LIMITS OF INSURANCE, paragraph 6. does not apply. III. Supplementary Payments SECTION I—COVERAGES,SUPPLEMENTARY PAYMENTS—COVERAGES A& B, are revised as follows: 1. In paragraph 2., the limit of$250 for bail bonds is increased to$2,500. 2. In paragraph 4.,the limit of$250 for daily loss of earnings is increased to$1,000. IV. Medical And Dental Payments Under SECTION I — COVERAGES, COVERAGE C. MEDICAL PAYMENTS, if COVERAGE C. MEDICAL PAYMENTS, is not otherwise excluded from this Coverage Part: 1. The Medical Payments Limit is changed to the greater of: a. $10,000; or b. The Medical Expenses Limit shown in the Declarations of this Coverage Part. 2. The provision, in C.1.a.(2) that the expenses must be incurred and reported to us within one year of the date of the accident, is increased to three years. V. Broad Form Property Damage Under SECTION I—COVERAGE A, Exclusion 2.j. is amended as follows: 1. Paragraph (3) does not apply. 2. Paragraphs(4) and (6) do not apply to customer's property at your described premises. We do not cover any property: 1. Subject to motor vehicle registration; or 2. While being used to perform construction operations. Our limit for any one"occurrence" under this coverage provision is$25,000. The insurance afforded by reason of this provision is excess over any valid and collectible property insurance (including any deductible) available to the insured, and SECTION IV—COMMERCIAL GENERAL LIABILITY CONDITIONS 4. Other Insurance is changed accordingly. CG MU 1078 06 22 Page 2 of 11 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. VI. Occupational License Review Expense The following is added under SECTION I—COVERAGES,COVERAGE A.BODILY INJURY AND PROPERTY DAMAGE LIABILITY: 1. Insuring Agreement Subject to the per review and annual aggregate limits of insurance stated in this endorsement, we agree to pay the "insured" for reasonable and necessary covered expenses, as listed below, incurred and paid by the "insured" as a direct result of a "occupational license review", conducted by a governmental bureau, board, commission or department, occurring during the policy period and in the"coverage territory". a. Covered Expenses include: (1) Fees and expenses of any licensed independent investigative services or legal counsel, hired by the"insured"for the purpose of assisting or representing the"insured"at the"occupational license review"; and (2) Costs of travel, accommodations,and meals incurred by the"insured" in order to appear before the governmental bureau, board, commission or department. b. Exclusions This coverage will not pay for: (1) Hearing fees; or (2) Fines,judgments, lawsuits, or settlement amounts as the result of or in conjunction with the"occu- pational license review"; or (3) Expense(s)directly or indirectly caused or resulting from the fraudulent, dishonest, or criminal acts of the "insured", any director or officer of the"insured", or agents thereof, whether acting alone or in collusion with others; or (4) Lost salary or wages claimed by or for any "insured" while preparing for or attending the"occupa- tional license review". 2. For the purposes of the coverage provided by this provision, SECTION III — LIMITS OF INSURANCE is amended as follows: With respect to this endorsement only, the following apply: a. The per review limit of insurance shown in this endorsement is the most we will pay per review, regard- less of the number of"insureds" reviewed or subject to the"occupational license review". b. The annual aggregate limit of insurance shown in this endorsement is the most we will pay for all cov- ered expenses for each policy period. c. In the event that the "occupational license review" continues over more than one policy period, the expenses shall be limited to the annual aggregate applicable to the policy period when the license review began. d. In no event will any expense claimed for an "occupational license review" be recoverable as expense for another"occupational license review". e. The limits of insurance stated in this endorsement are not part of and are in addition to, the Liability Limits of Insurance shown in the Declarations for this policy. 3. For the purposes of the coverage provided by this provision, the following are added under SECTION IV- COMMERCIAL GENERAL LIABILITY CONDITIONS: a. In the event of a`occupational license review" during the policy period, the"insured"will: (1) Make every reasonable effort to give us immediate written notice and timely updates concurrent with activity regarding the"occupational license review"; (2) Provide us with the official report of the"occupational license review"; and (3) Provide us with documentation, including receipts, for expenses claimed under this coverage. b. The insurance under this endorsement will be excess over any other valid insurance or bond. CG MU 1078 06 22 Page 3 of 11 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. 4. For the purposes of the coverage provided by this provision, the following are added under SECTION V— DEFINITIONS: a. "Insured"as used in this endorsement means an employee of the Named Insured shown in the Decla- rations, but does not include leased or temporary workers or volunteers. "Insured"does not include the Named Insured, unless the Named Insured is an individual person operating as a sole proprietorship, or any other business,whether corporation, partnership, limited liability company or other organization. "Insured" only includes natural persons. b. "Occupational license review" means a formal or informal proceeding conducted by a governmental bureau, board, commission or department charged with regulating the"insured's" occupational license and involving the review, modification, denial, suspension, or nonrenewal of the "insured's" occupa- tional license or involving disciplinary action against the "insured", including proceedings to impose a forfeiture or penalty; but "occupational license review" does not include a proceeding concerning any criminal or civil charge brought against the"insured". VII. Abduction The following is added under SECTION I—COVERAGES,COVERAGE A.BODILY INJURY AND PROPERTY DAMAGE LIABILITY: 1. Insuring Agreement Subject to the limits, aggregate and deductible as stated in this endorsement, we agree to pay the insured for reasonable and necessary Covered Expenses, as listed below, incurred and paid by the insured or "Guardian(s)" as a direct result of an "abduction" occurring during the policy period and in the "coverage Territory", provided that such "abduction" is otherwise the subject of this endorsement hereunder. Payment of such Covered Expenses may continue until the earliest of the following unless otherwise stated: a. Up to fourteen (14) days after the recovery of the"Covered Individual(s)"; or b. Discovery of the death of the"Covered Individual(s)"; or c. Twelve (12) months after the date of the"abduction". Covered Expenses include the following incurred expenses: a. Fees and expenses of any independent investigative services, provided that we have given prior con- sent to the use of such independent investigative services; and b. Reward to an "Informant"for information leading to the recovery of the"Covered Individual(s)" and the arrest and conviction of the party(ies) responsible for the"abduction"; and c. Fees and expenses of independent forensic analysts engaged by the insured or "Guardian(s)" with prior authorization from us; and d. Fees and expenses of public relations consultants to assist in the location of the"Covered Individual(s)"; and e. Publicity costs incurred solely and directly to assist in the resolution of an "abduction"; and f. Costs of travel and accommodations incurred by the insured or"Guardian(s)while attempting to resolve an "abduction"; and g. Rest and rehabilitation expenses including travel, lodging and meals of the"Covered Individual(s)" and "Guardian(s)" incurred by the "Guardian(s)" and paid by the insured following resolution of the loss covered hereunder. The total amount under this provision shall not exceed$10,000 for any single loss; and h. Lost salary of"Guardian(s)", which is the amount of compensation paid at an annual rate including the average bonuses and commissions, that the"Guardian(s)" would normally have earned; and i. Fees for psychological or psychiatric counseling for the benefit of"Guardian(s)", or siblings of the"Cov- ered Individual(s)" beginning on the date of recovery of the "Covered Individual(s)", until the earliest of the following: (1) Up to three (3) months after the recovery or discovery of the death of the"Covered Individual(s)"; or (2) Twelve(12) months after the date of the"abduction"; and CG MU 1078 06 22 Page 4 of 11 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. j. Fees for psychological or psychiatric counseling for the benefit of"Covered Individual(s)" beginning on the date of recovery of the "Covered Individual(s)" and continuing up to twelve (12) months thereafter; and k. Medical services and hospitalization costs incurred for the "Covered Individual(s)" as a result of the "abduction" beginning on the date of recovery of the"Covered Individual(s)"and continuing up to twelve (12) months thereafter; and I. Funeral and burial expenses of"Covered Individual(s)" resulting from an"abduction". 2. Exclusions We will not pay any expense(s) directly or indirectly caused or resulting from: a. The fraudulent, dishonest, or criminal acts of any "Insured", any director or officer of the "Insured", parents or"Guardian(s)"or agents thereof, whether acting alone or in collusion with others; or b. Any legal liability or costs of defense for administrative, regulatory,judicial or other claims hearings or lawsuits arising out of the"abduction"; or c. Payment of any"ransom"or demand for money. For the purposes of the abduction coverage provided by this provision, SECTION III—LIMITS OF INSURANCE is amended as follows: 1. The Limits of Insurance shown on this Endorsement and the rules below fix the most that we will pay regardless of the number of: a. Insureds; b. Claims made or"suits" brought; or c. Persons or organizations making claims or bring "suits". 2. The Aggregate Limit shown on this Endorsement is the most we will pay for all Covered Expenses for each policy period. All expenses arising from an act or series of related acts involving one or more persons or an act error or event or a series of related acts,errors or events shall be treated as arising out of one"abduction". However we will not pay for any loss resulting from an"abduction"which is part of a series of related acts that began prior to the effective date of this insurance. 3. In no event will any expense claimed, incurred or paid under one"abduction"be recoverable under another "abduction". 4. The"abduction" limit is included as part of the Limits of Insurance under the Liability and Medical Expenses Aggregate Limit. 5. We will not pay for loss in any one "abduction" until the amount of loss exceeds the deductible shown on this Endorsement.We will than pay the amount of loss in excess of the deductible up to the applicable Limit of Insurance as shown in this Endorsement. The deductible will not reduce the Limit of Insurance. For the purposes of the abduction coverage provided by this provision,the following are added under SECTION IV- COMMERCIAL GENERAL LIABILITY CONDITIONS: 1. In the event of an "abduction" during the Policy Period, the"Insured"will make every reasonable effort to: (a) Determine that the"abduction" has actually occurred prior to incurring costs; and (b) Give immediate oral and written notice to us with periodic and timely updates concurrent with activity oc- curring during the incident; and (c) Immediately notify local, national or other appropriate law enforcement agency having jurisdiction over the matter. 2. Confidentiality The"Insured"will use all reasonable efforts not to disclose the existence of this Endorsement. 3. Other Insurance The insurance under this Endorsement will be excess over any other valid insurance. CG MU 1078 06 22 Page 5 of 11 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. 4. Cooperation You must cooperate with us in all matters pertaining to this insurance as stated in its terms and conditions. 5. Due Diligence You and every insured or"guardian" must exercise due diligence in doing all things reasonably practicable to avoid or diminish any loss covered under this insurance. For the purposes of the abduction coverage provided by this provision, the following are added under SECTION V —DEFINITIONS: 1. "Abduction" means the wrongful and illegal seizure of a "Covered Individual(s)", by someone other than a "Guardian(s)" or an agent thereof, from the "premises" of the insured or on any other premises while such "Covered Individual(s)" are under the control of the insured occurring during the policy period. "Abduction" as used in this endorsement does not include the actions of any official acting within their lawful authority. 2. "Covered Individual(s)" means individual(s) under the care, custody and control of the insured. 3. "Informant"means any person, other than a"Covered Individual",providing information not otherwise obtainable solely in return for a reward offered by the insured. 4. "Guardian(s)" means the natural and legal Parent(s) or legal and appointed Guardian, step-Parent(s)or foster Parent(s) of a"Covered Individual(s)" regardless of who has legal custody. 5. "Premises" means any place the insured conducts business. 6. "Ransom" means a consideration paid or demanded for the release of a "Covered Individual(s)"from captivity. VIII. Property Damage Liability—Elevators And Sidetrack Agreements The following is added under SECTION I—COVERAGES,COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY: 1. Exclusions j. (3), (4) and (6) do not apply to the use of elevators. 2. Exclusion k. does not apply to: a. The use of elevators; or b. Liability assumed under a sidetrack agreement. The insurance afforded by reason of this provision is excess over any valid and collectible property insurance (including any deductible) available to the insured, and SECTION IV—COMMERCIAL GENERAL LIABILITY CONDITIONS 4. Other Insurance is changed accordingly. IX. Designated Location(s)-General Aggregate Limit The following is added under SECTION I—COVERAGES,COVERAGE A.BODILY INJURY AND PROPERTY DAMAGE LIABILITY: 1. For all sums which the insured becomes legally obligated to pay as damages caused by "occurrences" under COVERAGE A (Section I), and for all medical expenses caused by accidents under COVERAGE C (Section I),which can be attributed only to operations at a single designated"location" shown in the Decla- rations: a. A separate Designated Location General Aggregate Limit applies to each designated "location", and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. b. The Designated Location General Aggregate Limit is the most we will pay for the sum of all damages under COVERAGE A, except damages because of"bodily injury" or property damage" included in the "products-completed operations hazard", and for medical expenses under COVERAGE C regardless of the number of: (1) Insureds; (2) Claims made or"suits" brought; or (3) Persons or organizations making claims or bringing "suits". CG MU 1078 06 22 Page 6 of 11 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. c. Any payments made under COVERAGE A,for damages or under COVERAGE C for medical expenses shall reduce the Designated Location General Aggregate Limit for that designated "location". Such payments shall not reduce the General Aggregate Limit shown in the Declarations nor shall they reduce any other Designated Location General Aggregate Limit for any other designated"location"also shown in the Declarations. d. The limits shown in the Declarations for Each Occurrence, Fire Damage 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 Designated Location General Aggregate Limit. 2. For all sums which the insured becomes legally obligated to pay as damages caused by "occurrences" under COVERAGE A (Section I), and for all medical expenses caused by accidents under COVERAGE C (Section I), which cannot be attributed only to operations at a single designated "location" shown in the Declarations: a. Any payments made under COVERAGE A for damages or under COVERAGE C for medical expenses shall reduce the amount available under the General Aggregate Limit or the Products-Completed Op- erations Aggregate Limit, whichever is applicable; and b. Such payments shall not reduce any Designated Location Aggregate Limit. 3. When coverage for liability arising out of the"products-completed operations hazard" is provided, any pay- ments for damages because of"bodily injury" or "property damage" included in the "products-completed operations hazard" will reduce the Products-Completed Operations Aggregate Limit, and not reduce the General Aggregate Limit nor the Designated Location General Aggregate Limit. 4. The following is added under SECTION V—DEFINITIONS "Location" means premises involving the same or connecting lots, or premises whose connection is inter- rupted only by a street, roadway, waterway or right-of-way of a railroad. 5. The provisions of LIMITS OF INSURANCE (SECTION III) not otherwise modified by this coverage shall continue to apply as stipulated. X. Property Damage Liability—Borrowed Equipment The following is added to Exclusion j. under Coverage A. (Section I): Paragraph (4) of this exclusion does not apply to equipment which you borrow unless the "property damage" occurs while such equipment is being used by an insured at a job site. Subject to all of the terms of SECTION III—LIMITS OF INSURANCE, the maximum limit in any one occurrence is $25,000 and an annual aggregate of$50,000. This insurance afforded by reason of this provision is excess over any valid and collectible property insurance (including any deductible)available to you, and SECTION IV—COMMERCIAL GENERAL LIABILITY CONDI- TIONS 4. Other Insurance is changed accordingly. XI. Additional Insureds By Written Contract A. SECTION II—WHO IS AN INSURED is amended to include as an additional insured any person or organ- ization that you are required to add as an additional insured to this policy by a written contract or written agreement that is: 1. Currently in effect or becoming effective during the term of this policy; and 2. Executed prior to the"bodily injury", "property damage", "personal and advertising injury". B. The insurance provided to the additional insured applies as follows: 1. That person or organization is only an additional insured with respect to liability caused by your negli- gent acts or omissions at or from: (a) Premises you own, rent, lease, or occupy or (b) Your ongoing operations performed for the additional insured at the job indicated by written contract or agreement. 2. The limits of insurance applicable to the additional insured are those specified in the written contract or agreement or in the Declarations of this policy whichever is less. These limits of insurance are inclusive of and not in addition to the limits shown in the Declarations. CGMU10780622 Page 7of11 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. C. With respect to the insurance afforded these additional insureds,the following additional insured exclusion applies: 1. If the additional insured is an architect, engineer, or surveyor, this insurance does not apply to"bodily injury", "property damage", "personal and advertising injury"arising out of the rendering of or the failure to render any professional services by or for you, including: (a) The preparing, approving, or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings, designs or specifications; or (b) Supervisory, inspection, architectural or engineering activities. 2. The insurance afforded the additional insured does not apply to: (a) "Bodily injury" or"property damage" occurring after: (1) All work, including materials, parts or equipment furnished in connection with such work, on the project(other than service, maintenance or repairs)to be performed by or on the behalf of the additional insured(s)at the site of the covered operations has been completed; or (2) That portion of"your work"out of which the injury or damage arises has been put to its intended use by any person or organization other than the contractor or subcontractor engaged in per- forming operations for a principal as part of the same project. XII. Additional Insured—State or Political Subdivisions—Permits The following is added to SECTION II—WHO IS AN INSURED: 1. Any state or political subdivision which has issued a permit to you, subject to the following provisions: a. This insurance applies only with respect to operations performed by you or on your behalf for which the state, governmental agency or political subdivision has issued a permit or authorization. b. This insurance does not apply to: (1) "Bodily injury", "property damage", "personal and advertising injury" arising out of operations per- formed for the federal government, state or municipality; or (2) "Bodily injury' or"property damage" included within the "products-completed operations hazard". XIII. Additional Insured—Managers Or Lessors of Premises The following is added to SECTION II -WHO IS AN INSURED: 1. Any manager or lessor of premises shown in the Declarations is also an insured, but only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to you and shown in the Declarations and subject to the following additional exclusions: The following exclusions are added: 1. This insurance does not apply to: a. Any"occurrence"which takes place after you cease to be a tenant in that premises. b. Structural alterations, new construction or demolition operations performed by or on behalf of any man- ager or lessor of premises shown in the Declarations. XIV. Additional Insured—Lessor of Leased Equipment The following is added to SECTION II -WHO IS AN INSURED: 1. The person(s) or organization(s)who leases equipment to you for use in your business is also an insured, but only with respect to liability for "bodily injury", "property damage", "personal and advertising injury" caused, in whole or in part, by your negligent acts or omissions in the maintenance, operation or use of equipment leased to you by such person(s) or organization(s). However, the insurance afforded to such additional insured: a. Only applies to the extent permitted by law; and b. Will not be broader than that which you are required by the contract or agreement to provide for such additional insured. c. Does not apply to any"occurrence"which takes place after the equipment lease expires; CG MU 1078 06 22 Page 8 of 11 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. 2. With respect to the insurance afforded to the Lessor, the following additional exclusions apply: "Bodily injury"or"property damage"arising out of: (1) The assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the Lessor would have in the absence of the contract or agreement; (2) Any express warranty made by the Lessor; (3) The demonstration, installation, servicing, inspections, adjustments, tests, repair, or maintenance op- erations by or for the Lessor; (4) The negligence or strict liability of the Lessor for its own acts or or omissions or those of its employ- ees or anyone else acting on its behalf; or (5) Any failure on the part of the Lessor to provide information, instructions and/or warnings with respect to the maintenance, use or operation of the equipment. XV. Additional Insured —Broad Form Vendors The following is added to SECTION II -WHO IS AN INSURED: 1. Any person(s)or organization(s) (referred to below as vendor)with whom you agreed, because of a written contract or agreement to provide insurance is also an additional insured, but only with respect to "bodily injury"or"property damage"arising out of"your products"which are distributed or sold in the regular course of a vendor's business, subject to the following additional exclusions: a. The insurance afforded the vendor does not apply to: (1) "Bodily injury"or"property damage"for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement; (2) Any express warranty unauthorized by you; (3) Any physical or chemical change in the product made intentionally by the vendor; (4) Repackaging, except when unpacked solely for the purpose of inspection; demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; (5) Any failure to make such inspections, adjustments, tests, or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the dis- tribution or sale of the products; (6) Demonstration, installation, servicing or repair operations,except such operations performed at the vendor's premises in connection with the sale of the product. (7) Products which, after distribution or sale by you, have been labeled or relabeled or used as a con- tainer, part or ingredient of any other thing or substance by or for the vendor; or (8) "Bodily injury"or"property damage"arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However,this exclusion does not apply to: (a) The exceptions contained in Sub-Paragraphs(4) or(6); or (b) Such inspections,adjustments,tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. b. This insurance does not apply to any insured person or organization, from whom you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products. c. This provision does not apply to any vendor included as an insured by an endorsement issued by us and made part of the Coverage Part. d. This provision does not apply if"bodily injury" or"property damage" included within the"products-com- plete hazards" is excluded either by the provisions of the Coverage Part or by endorsement. CG MU 1078 06 22 Page 9 of 11 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. XVI. Employee Bodily Injury To A Co-Employee SECTION II-WHO IS AN INSURED paragraph 2.a.(1) is replaced by the following: However, none of these "employees" or "volunteer workers" are insureds for "bodily injury" or "personal and advertising injury": (a) To you, to your partners or members(if you are a partnership or joint venture), to your members(if you are a limited liability company), to a co"employee" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other"volunteer workers"while performing duties related to the conduct of your business; (b) To the spouse, child, parent, brother or sister of the co-"employee"or"volunteer worker"as a consequence of Paragragh (1)(a)above; (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph (1)(a) or(b)above; or (d) Arising out of his or her providing or failing to provide professional health care services. However, if a suit seeking damages for"bodily injury"or"personal and advertising injury"to any co-"employee" or other"volunteer worker" arising out of and in the course of the co-"employee's" or"volunteer worker's" em- ployment or while performing duties related to the conduct of your business, or a suit seeking damages brought by the spouse,child,parent,brother or sister of the co-"employee"or other"volunteer worker",is brought against you or a co-"employee" or a"volunteer worker", we will reimburse the reasonable costs that you incur in provid- ing a defense to the co-"employee" or "volunteer worker" against such matters. Any reimbursement made pursuant to this sub-section will be in addition to the limits of liability set forth in the Declarations. XVII. Broad Knowledge/Notice Of Occurrence The following is added under SECTION IV—COMMERCIAL GENERAL LIABILITY CONDITIONS: The requirement in condition 2.a. that you must see to it that we are notified of an "occurrence" or offense applies only when the"occurrence" or offense is known to: 1. You, if you are an individual; 2. A partner, if you are a partnership; 3. A member, if you are a joint venture; 4. An "Executive Officer" or insurance manager, if you are a corporation; or 5. A member, if you are a limited liability company. The requirement in condition 2.b. that you must see to it that we receive notice of a claim or"suit" will not be considered breached unless the breach occurs after such claim or"suit" is known to: 1. You, if you are an individual; 2. A partner, if you are a partnership; 3. A member, if you are a joint venture; 4. An "Executive Officer" or insurance manager, if you are a corporation; or 5. A member, if you are a limited liability company. If you report an accident to your Workers' Compensation insurance carrier which later develops into a liability occurrence, coverage for which is provided by this policy, failure to report such occurrence to us at the time of the accident shall not be a violation of the notification of loss condition in this policy (Condition 2. in Section IV). It is understood and agreed, however, that you shall give notification of such occurrence to us as soon as you are made aware of the fact that the particular accident has developed into a liability claim. CG MU 1078 06 22 Page 10 of 11 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. XVIII. Unintentional Failure To Disclose Hazards Under SECTION IV—COMMERCIAL GENERAL LIABILITY CONDITIONS, paragraph 6. Representations is replaced by the following: By accepting this policy, you agree; 1. The statements in the Declarations are accurate and complete; 2. Those statements are based upon representations you made to us; and 3. We have issued this policy in reliance upon your representations; If you unintentionally fail to disclose any hazards existing at the inception date of your policy, we will not deny coverage under this Coverage Part because of such failure. However, this provision does not affect our right to collect additional premium or exercise our right of cancellation or non-renewal. XIX. Waiver Of Transfer Of Rights Of Recovery Against Others To Us Under SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS, the paragraph 8. Transfer of Rights of Recovery Against Others To Us condition is amended by the addition of the following: We waive any right of recovery we may have against a person or organization because of payments we make for injury or damage arising out of your ongoing operations or"your work"done under a contract with that person or organization and include in the"products—completed operations hazard"when you have waived such right of recovery under a written contract with that person or organization. Such written contract must be: 1. Currently in effect or becoming effective during the term of this policy; and 2. Executed prior to the"bodily injury", "property damage", "personal and advertising injury"; or 3. Executed after"bodily injury", "property damage", "personal and advertising injury" if: a. The terms and conditions of the written contract or written agreement had been agreed upon prior to the"bodily injury", "property damage", "personal and advertising injury"; and b. The insured can definitively establish that the terms and conditions of the written contract or written agreement ultimately executed are the same as those which had been agreed upon prior to the"bodily injury", "property damage", "personal and advertising injury". XX. Insured Contract SECTION V—DEFINITIONS, "Insured Contract" paragraph 9.a. is replaced by the following: A contract for a lease of premises. However,that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire, lightning,explosion or sprinkler leakage to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured contract". XXI. Mobile Equipment The following is added under SECTION V—DEFINITIONS, 12. "Mobile Equipment": Paragraph f.(1) does not apply to self-propelled vehicles of less than 1,000 pounds gross vehicle weight. CG MU 1078 06 22 Page 11 of 11 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CGMU9491220 THIS POLICY PROVIDES CLAIMS MADE AND REPORTED COVERAGE. DEFENSE COSTS APPLY AGAINST THE LIMTS OF INSURANCE. ALL CLAIMS ARE SUBJECT TO THE DEDUCTIBLE. PLEASE READ THE ENTIRE FORM CAREFULLY. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ALARM CONTRACTORS ERRORS AND OMISSIONS LIABILITY ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART In return for the payment of premium and subject to all the terms of this policy, we agree with you as follows: SCHEDULE COVERAGE: "Alarm System Design Professional Services" LIMITS OF INSURANCE: $1.000 000 per claim AGGREGATE AMOUNT PAYABLE: $1 D00,900 policy term aggregate DEDUCTIBLE: $2,500 per claim/$25,000 policy term aggregate COVERAGE: "Alarm System Construction" LIMITS OF INSURANCE: $50,000 per claim AGGREGATE AMOUNT PAYABLE: $50,000 policy term aggregate DEDUCTIBLE: $2,500 per claim/$25,000 policy term aggregate RETROACTIVE DATE: (RETROACTIVE DATE REQUIRED) Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words"we", "us"and"our" refer to the Company providing this insurance. The word "insured" refers to the Named Insured and to any present or former partner, executive officer, director, stockholder or employee of the named insured while acting within the scope of their duties as such. Except with respect to our Limits of Insurance, the insurance afforded applies separately to each insured against whom a claim is made or a "suit" is brought. "Limits of Insurance" refers to the Limits of Insurance shown in the Schedule. "Claim" refers to the amount of claim or"suit" for damages to which this coverage form applies. CG MU 949 12 20 Page 1 of 8 Includes copyrighted materials of Insurance Services Office,Inc.,with its permission. The following is added to Section I—Coverages: ALARM CONTRACTORS ERRORS AND OMISSIONS COVERAGE 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages in excess of the deductible that is caused by an act,error or omission in the performance of, or failure to perform your"alarm system design professional services" and your"alarm system construction." No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS. The damages must have resulted from the insured's act, error or omission while acting in your business capacity as described in the Declarations. b. We will have the right and duty to defend the insured against any"suit" seeking those damages. However, we will have no duty to defend the insured against any"suit"seeking damages to which this insurance does not apply. We may, at our discretion, investigate any claim or "suit" that may result. Our payment of the Limits of Insurance or the Aggregate Amount Payable shown in the Schedule ends our duty to defend or settle. Each payment we make for"defense expense" reduces the Limits of Insurance available, as provided under section 7. 2. Exclusions This insurance does not apply to"alarm contractors errors and omissions"arising out of: a. Any liability because of an act, error or omission: (1) In the preparation of estimates of probable job costs, or cost estimates being exceeded; estimates of profit or return on capital. (2) In advising or failure to advise on financing of the work or project. (3) In advising or failing to advise on any legal work, title checks, form of insurance, or suretyship. b. Your loss of profit or expected profit. c. Any part of your fee for your"alarm system design professional services"which a client does not pay. d. Any liability arising from a delay or failure to complete a contract or project on time. e. A decision to substitute a material or product for one specified on blueprints, work orders, contracts or engineering specifications unless there has been written authorization. f. Any liability of others assumed by the insured under any contract or agreement, whether oral or writing. This exclusion does not apply to liability for damages that the insured would have in absence of the contract or agreement. g. "Bodily injury" or"personal and advertising injury." h. Any obligation of the insured under a workers' compensation, disability benefits or unemployment compen- sation law or any similar law. i. Any liability arising out of your insolvency or bankruptcy. j. Any liability or damages due to war, whether or not declared, or any act or condition incident to war. War includes civil war, insurrection, rebellion or revolution. This exclusion applies only to liability assumed under a contract or agreement. k. Pollution: (1) Damages which would not have occurred in whole or part but for the actual, alleged or threatened discharge, dispersal, release or escape of pollutants at any time. (2) Any loss, cost or expense arising out of any request, demand or order that any insured or others test for, monitor, clean up, remove, contain,treat, detoxify or neutralize, or in any way respond to,or assess the effects of pollutants. This exclusion does not apply to damages caused by heat, smoke or fumes from a hostile fire: (1) At or from premises you own, rent or occupy. (2) At or from any site or location on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the pollutants are brought on or to the site or location in connection with such operations. As used herein, a hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be. CG MU 949 12 20 Page 2 of 8 Includes copyrighted materials of Insurance Services Office,Inc.,with its permission. I. Any liability as a result of actual or alleged harassment, misconduct or acts of discrimination because of race, creed, color, national origin, religion, age, sex, sexual preference, pregnancy, disability, or other pro- tected class, including but not limited to violation of any statute, law, ordinance, or regulation prohibiting such acts. m. Any liability for"property damage"to property owned by, rented or leased to the insured. n. Any liability arising out of, attributable to or in any way related to the infringement of copyright or trademark or patent; unfair competition or piracy, or theft or wrongful taking of concepts or intellectual property. o. Express warranties or guarantees. This exclusion does not apply to liability for damages that the insured would have in absence of the express warranties or guarantees. p. Dishonest, fraudulent, criminal or malicious acts intentionally committed by the Named Insured or by any partner or"executive officer" or at the direction of any of these parties. q. Nuclear Energy Liability. This insurance does not apply to any liability: (1) With respect to which an insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Under- writers, Nuclear Insurance Association of Canada, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or (2) Resulting from the"hazardous properties" of"nuclear material" and with respect to which: (a) Any person or organization is required to maintain financial protection pursuant to the Atomic En- ergy Act of 1954, or any law amendatory thereof; or (b) The insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof with any person or organization. (3) Resulting from the"hazardous properties" of"nuclear material", if: (a) The"nuclear material" 1. Is at any"nuclear facility" owned by or operated by or on behalf of, an insured; or 2. Has been discharged or dispersed therefrom; (b) The"nuclear material"is contained in"spent fuel"or"waste"an any time possessed, handled, used, processed, stored, transported or disposed of by or on behalf of an insured; or (c) The"bodily injury" or"property damage" arise out of the furnishing by an insured of services, ma- terials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any"nuclear facility", but if such facility is located within the United States of America, its territories or possessions or Canada, this exclusion applies only to"property damage"to such"nu- clear facility" and any property thereat. As used herein: (a) "Hazardous properties" include radioactive, toxic or explosive properties; (b) "Nuclear material" means "source material", "special nuclear material" or"byproduct material"; (c) "Source material", "special nuclear material", and "byproduct material" have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof; (d) "Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a"nuclear reactor"; (e) "Waste" means any waste material; 1. Containing "by-product material" other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its"source material" content; and 2. Resulting from the operation by any person or organization of any "nuclear facility" included under the first two paragraphs of the definition of"nuclear facility". CG MU 949 12 20 Page 3 of 8 Includes copyrighted materials of Insurance Services Office,Inc.,with its permission. (f) "Nuclear facility" means: 1. Any"nuclear reactor". 2. Any equipment or device designed or used for: (i) Separating the isotopes of uranium or plutonium; (ii) Processing or utilizing "spent fuel"; or (iii) Handling, processing or packaging waste. 3. Any equipment or device used for processing,fabrication or allying of special"nuclear material" if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; 4. Any structure,basin,excavation,premises or place prepared or used for the storage or disposal or"waste"; and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations; (g) "Nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self-sup- porting chain reaction or to contain a critical mass of fissionable material. (h) "Property damage" includes all forms of radioactive contamination of property. r. Fines or penalties. s. Any punitive or exemplary damages. However, if a lawsuit is filed against an insured which alleges both compensatory and punitive or exemplary damages, we will defend the lawsuit as long as compensatory damages might be awarded, but we no longer have a duty to defend if only punitive or exemplary damages might be awarded. t. "Fungi" or Bacteria. This insurance does not apply to: (1) Damages which result from faulty workmanship which would not have occurred in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any"fungi"or bacteria on or within a building or structure, including its contents, regard- less of whether any other cause,event, material or product contributed concurrently or in any sequence to such injury or damage; or (2) Any loss, cost or expenses arising out of the abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to, or assessing the effects of"fungi" or bacteria, by any insured or by any other person or entity. This exclusion does not apply to any damages resulting from "fungi" or bacteria that become part of or are contained in any goods or products intended for consumption. "Fungi" means any type or form of fungus, including mold or mildew and any mycotoxins, spores, scents or byproducts produced or released by "fungi". 3. Other Coverage Limitations We will not pay: a. Any liability arising from claims brought against the insured by a business enterprise (or its assignees) which is wholly or partly owned, operated or managed by the insured, or which has directly or indirectly any interest in the ownership or management of the named insured. b. For claims made against the insured arising out of services performed by or on behalf of a joint venture of which the insured is a member, unless that joint venture is specifically endorsed hereon by us. c. If the right of action against the insured has been relinquished or waived. CG MU 949 12 20 Page 4 of 8 Includes copyrighted materials of Insurance Services Office,Inc.,with its permission. 4. Claims Made Provision, Retroactive Date,Territory This policy applies to all claims covered here-under, provided: a. A claim for damages is first made against any insured in accordance with paragraph a. below, during the policy period or any Extended Reporting Period we provide under paragraph 5. Extended Reporting Pe- riods. (1) A claim by a person or organization seeking damages will be deemed to have been made at the earlier of the following times: (a) When an insured reports to us an event or circumstance that may lead to a claim or loss; (b) When notice of such claim is received and recorded by any insured or by us, whichever comes first; or (c) When we make settlement in accordance with paragraph 1. Insuring Agreement. All claims of damages to the same person, including damages claimed by any person or organization will be deemed to have been made at the time the first of those claims is made against any insured. b. The acts, errors or omissions giving rise to the claim were committed on or after the Retroactive Date, if any, shown in the Schedule above and before the end of the policy period. c. The original"suit"seeking damages is brought against the insured in the United States of America including its territories and possessions, Puerto Rico or Canada. 5. Extended Reporting Periods If similar insurance is not continued in the Company following the end of the policy period: a. An automatic 30-day extended reporting period will apply if the policy is cancelled or non-renewed by us or the Named Insured; and b. A 12-month supplemental extended reporting period may be purchased, both subject to the following con- ditions: Supplemental extended reporting periods do not extend the policy period or change the scope of coverage provided. The supplemental extended reporting period will apply solely with respect to claims arising out of errors, omissions or negligent acts first committed or defects that occur before the end of the policy period shown in the Declarations. Such claims must be reported to us prior to the expiration of the supplemental extended reporting period; and For the 12-month supplemental extended reporting period to apply, you must pay the required additional pre- mium before the expiration date of this policy. That required additional premium is 100%of the premium stated in the Declarations. Any supplemental extended reporting period will immediately terminate at the effective date and hour of any other insurance issued to you which replaces this insurance. If you notify us of the effective date of the other insurance, we will send you a refund of any pro rata unearned premium. 6. Deductible Clause a. A mandatory deductible will apply to each claim payable under this policy. The applicable deductible is shown in the Schedule. b. Our obligation to pay damages on your behalf applies only to the amount of damages in excess of the deductible amount stated in the Schedule. The Limits of Insurance will not be reduced by the application of such deductible amount. c. 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. d. For all claims in any one policy period, the most you will pay in deductibles is the amount shown in the Schedule under the deductible policy term aggregate. CGMU9491220 Page5of8 Includes copyrighted materials of Insurance Services Office,Inc.,with its permission. 7. Amount Payable By Us and Our Limits of Insurance a. Regardless of the number of insureds, the most we will pay as the result of any one claim (excluding all claim expenses incurred by us) is the Limits of Insurance stated in the Schedule. Any claim or aggregation of claims resulting from any one act, error or omission will be considered one claim. b. The most we will pay as the result of all claims under this policy (excluding all claim expenses incurred by us) is the Aggregate Amount Payable stated in the Schedule. c. For an "alarm system design professional services" claim, the most we will pay for the sum of all damages and all "defense expense" associated with that specific claim is set forth as stated in the Schedule. d. For an"alarm system construction"claim, the most we will pay for the sum of all damages and all"defense expense" associated with that specific claim is set forth stated in the Schedule. 8. Conditions a. Notice of Claim or Suit You must see to it that we are notified as soon as practicable when you receive information as to your alleged error, omission, negligent act or a defect. You must also give us full particulars of any claim arising therefrom. You must also immediately forward to us every summons or other process received by you. b. Assistance and Cooperation of the Insured You and any other insured shall provide us with all information assistance and cooperation which we rea- sonably request and agree in the event of a claim you will do nothing that may prejudice our position or our potential or actual rights of discovery. No insured will, except at that insured's own costs, voluntarily make a payment, assume any obligation, or incur any expense without our written consent. We may pay all or part of any damages to effect settlement of a claim or"suit". c. Legal Action Against Us No one may bring a legal action against us until there has been full compliance with all the terms of this policy. d. Bankruptcy or Insolvency Bankruptcy or insolvency of the insured will not relieve us of any obligation under this policy. e. Other Insurance This insurance does not apply to a claim or any part of a claim if there is other valid and collectible insurance available to the insured. Performance bonds shall not be considered insurance available to the insured. However, if there is other similar professional liability insurance, we will pay only our share of the payment we owe under this policy. Our share is the proportion that the limit of our policy bears to the total of the limits of all such policies. f. Transfer of Rights of Recovery Against Others To Us If any person or organization to or for whom we make payment under this insurance has rights to recover damages from another, those rights are transferred to us. That person or organization must do everything necessary to secure our rights and must do nothing after the loss or damage to impair them. g. Changes This policy contains all the agreements between you and us. Its terms may not be changed or waived except by endorsement issued by us. If a change requires a premium adjustment, we will adjust the pre- mium as of the effective date of change. Our agent's knowledge will be considered our knowledge. If before a claim is made or"suit" is brought our agent knows something which violates a policy condition, this will not void the policy or defeat a recovery for a claim. h. Transfer of Your Interest in this Policy Your rights and duties under this policy may not be assigned without our written consent. CG MU 949 12 20 Page 6 of 8 Includes copyrighted materials of Insurance Services Office,Inc.,with its permission. i. Cancelling this Policy During the Policy Period a. The first Named Insured shown in the Declarations may cancel the policy by mailing or delivering to us advance written notice of cancellation. b. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancel- lation at least 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or 30 days before the effective date of cancellation if we cancel for any other reason. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. If notice is mailed, proof of mailing will be sufficient proof of notice. c. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. d. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. e. Any of these provisions that conflicts with a law that controls the cancellation of the insurance in this policy is changed by this statement to comply with that law. j. Sole Representative The insured first named in the Declarations will act on behalf of all insureds to change this policy, receive return premium, and give or receive notice of cancellation. k. Declarations By accepting this policy you agree that the statements in the Declarations are your statements and repre- sentations, and that this policy is issued in reliance upon the truth of your representations. 9. Definitions a. "Advertisement" means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purposes of this definition: (1) Notices that are published include material placed on the internet or on similar electronic means of communication; and (2) Regarding web sites, only that part of a web site that is about your goods, products or services for the purposes of attracting customers or supporters is considered an advertisement. b. "Alarm system construction" means any (1) Assembly, erection, installation, or construction; or (2) The manufacturing or supplying of any parts or materials of an alarm system. c. "Alarm system design professional services" means the planning, design or engineering of a fire protection or alarm system, including the preparation of plans and specifications for such systems. d. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time. e. "Defense expense" means payments allocated to a specific claim for its investigation, settlement, or de- fense, including: (1) Attorney fees and all other litigation expenses. (2) The cost of bonds to appeal a judgment or award in any claim we defend. We do not have to furnish these bonds. (3) The cost of bonds to release attachments, but only for bond amounts within the Amount of Insurance available. We do not have to furnish these bonds. (4) Reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of any claim, including actual loss of earnings up to $250 a day because of time off from work. CG MU 949 12 20 Page 7 of 8 Includes copyrighted materials of Insurance Services Office,Inc.,with its permission. (5) Cost taxed against the insured in the claim. However, "defense expense" does not include: (a) Salaries and expenses of our"employees" or your"employees", other than: 1. That portion of our employed attorneys'fees, salaries and expense allocated to a specific claim for the defense of the insured; and 2. The expenses described in (4)above; (b) Interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the amount available for the judgment. f. "Personal and advertising injury" means injury, including consequential "bodily injury,"arising out of one or more of the following offenses: (1) False arrest, detention or imprisonment; (2) Malicious prosecution; (3) The wrongful eviction from wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor; (4) Oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; (5) Oral or written publication, in any manner, of material that violates a person's right of privacy; (6) The use of another's advertising idea in your"advertisement"; or (7) Infringing upon another's copyright, trade dress or slogan in your"advertisement." g. "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. h. "Suit" means a civil proceeding in which damages because of an act, error or omission to which this insur- ance applies are alleged. "Suit" includes: (1) An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or (2) Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. CG MU 949 12 20 Page 8 of 8 Includes copyrighted materials of Insurance Services Office,Inc.,with its permission. WNCA800619 BUSINESS AUTO ENHANCEMENT EDGE ENDORSEMENT The Business Auto Enhancement Edge Endorsement is an optional endorsement that provides coverage enhancements. The following is a summary of broadened coverages provided by this endorsement. No coverage is provided by this summary, refer to the following endorsement for changes in your policy. SUMMARY OF COVERAGES PAGE Accidental Airbag Deployment Coverage 5 Audio, Visual and Data Electronic Equipment—Limit Amended 5 Auto Loan/Lease Gap Coverage 5 Blanket Additional Insured 3 Blanket Waiver of Subrogation 5 Broadened Definition of Insured includes: • Newly Acquired Organizations for up to 180 Days 2 • Employees as Insureds 2 • Subsidiaries in Which You Own 50% or More 2 Deductible Waiver for Glass Repair 4 Employee Hired Auto 6 Fellow Employee Coverage 3 Hired Auto Physical Damage Coverage 3, 6 Knowledge of Accident, Claim, Suit or Loss 5 Loss Of Use Expenses-Amended 3 Personal Effects 3 Primary and Noncontributory If Required by a Written Contract or Written Agreement 6 Rental Reimbursement Coverage 4 Supplementary Payments-Amended: • Bail Bonds up to$5,000 3 • Loss of Earnings up to $500/Day 3 Temporary Substitute Vehicle Physical Damage 2 Towing 3 Transportation Expense Limits—Amended 3 Unintentional Failure to Disclose Hazards 6 WN CA 80 06 19 Page 1 of 6 Includes copyrighted material of Insurance Services Office,with its permission. WNCA800619 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS AUTO ENHANCEMENT EDGE ENDORSEMENT This endorsement modifies the insurance provided under the following: BUSINESS AUTO COVERAGE FORM With respect to the coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by this endorsement. The SECTIONS of the Business Auto Coverage Form identified in this endorsement will be amended as shown below. SECTION I — COVERED AUTOS COVERAGE e. Any organization which is newly acquired or AMENDMENTS formed byyou and over which you maintain A. Temporary Substitute Vehicle Physical Damage majority ownership. However, coverage under SECTION I — COVERED AUTOS, C. Certain this provision: Trailers, Mobile Equipment And Temporary (1) is afforded only for the first 180 days after you Substitute Autos is amended by adding the acquire or form the organization or until the following: end of the policy period, whichever comes If a covered "auto" you own is out of service because first; of its: (2) does not apply to "bodily injury" or"property a. Breakdown; damage" that results from an "accident" that occurred before you formed or acquired the b. Repair; organization; c. Servicing; (3) does not apply to any newly acquired or d. "Loss", or formed organization that is a joint venture or e. Destruction; partnership; and the Physical Damage Coverages provided by the (4) does not apply to an "insured" under any Business Auto Coverage Form for that disabled other automobile liability policy or would be covered "auto"are extended to any"auto" you do not an "insured" under such a policy but for ter- own while used with the permission of its owner as a mination of such policy or the exhaustion of temporary substitute for the covered"auto"that is out such policy's limits of insurance. of service. f. Any "employee" of yours is an "insured" while SECTION II — COVERED AUTOS LIABILITY using a covered "auto" you don't own, hire or COVERAGE AMENDMENTS borrow in your business or your personal affairs. A. Who Is An Insured g. Any "employee" of yours is an "insured" while operating a covered "auto" hired or rented under SECTION II — COVERED AUTOS LIABILITY a contract or agreement in the "employee's" COVERAGE,A. Coverage, 1. Who Is An Insured is name, with your permission, while performing amended to add: duties related to the conduct of your business. d. Any legally incorporated subsidiary of yours in which you own more than 50%of the voting stock on the effective date of this coverage form. However, "insured" does not include any subsidiary of yours that is an"insured" under any other automobile liability policy or would be an "insured" under such policy but for termination of such policy or the exhaustion on such policy's limits of insurance. WN CA 80 06 19 Includes copyrighted material of Insurance Services Office,with its permission Page 2 of 6 B. Blanket Additional Insured SECTION III — PHYSICAL DAMAGE COVERAGE SECTION II — COVERED AUTOS LIABILITY AMENDMENTS COVERAGE, A. Coverage, 1. Who Is An Insured, A. Towing paragraph c. is amended to add the following: SECTION III — PHYSICAL DAMAGE COVERAGE, Any person or organization who is required under a A. Coverage, 2. Towing, is amended by adding the written contract or agreement between you and that following: person or organization, that is signed and executed 2. Towing by you before the"bodily injury"or"property damage" We will pay up to $250 for towing and labor costs occurs and that is in effect during the policy period, to incurred each time a covered "auto" is disabled. be named as an additional insured is an "insured"for However, the labor must be performed at the Liability Coverage, but only for damages to which this place of disablement. This $250 limit is reduced insurance applies and only to the extent that persons by any applicable towing limit shown in the or organization qualifies as an "insured" under the declarations. Who Is An Insured provision contained in Section II. Regardless of the number of disablements, the C. Liability Coverage Extensions — Supplementary maximum amount we will pay under this Payments endorsement for all towing and labor costs SECTION II — COVERED AUTOS LIABILITY combined during any one year is $2,500. COVERAGE, A. Coverage, 2. Coverage B. Transportation Expense—Limits Amended Extensions, a. Supplementary Payments is SECTION III — PHYSICAL DAMAGE COVERAGE, amended by replacing subparagraphs(2)and(4)with A. Coverage, 4. Coverage Extensions, a. Trans- the following: portation Expenses is amended by replacing $20 (2) Up to $5,000 for cost of bail bonds (including per day/$600 maximum limit with $50 per day/$1,000 bonds for related traffic law violations) required maximum. because of an "accident" we cover. We do not have to furnish these bonds. C. Hired Auto Physical Damage — Loss Of Use (4) All reasonable expenses incurred by the"insured" Expenses—Limits Amended at our request, including actual loss of earnings SECTION III — PHYSICAL DAMAGE COVERAGE, up to $500 a day because of time off from work. A. Coverage, 4. Coverage Extensions, b. Loss of Use Expenses is amended by replacing the$20 per D. Fellow Employee Coverage day/$600 maximum limit with $50 per day/$750 SECTION II — COVERED AUTOS LIABILITY maximum limit. COVERAGE, B. Exclusions, 5. Fellow Employee, D. Personal Effects Coverage the following is added: Co-Employee Lawsuit Defense Cost SECTION III — PHYSICAL DAMAGE COVERAGE, Reimbursement A. Coverage, 4. Coverage Extensions is amended by adding the following: If a suit seeking damages for "bodily injury" to any c. Personal Effects fellow "employee" of the "insured" arising out of and We will pay up to $500 for "loss" to personal in the course of the fellow"employee's" employment or while performing duties related to the conduct of effects, which are: your business, or a suit seeking damages brought by (1) Owned by an "insured"; and the spouse, child, parent, brother or sister of that (2) In or on your covered "auto." fellow "employee", is brought against you, we will This coverage applies only in the event of the total reimburse reasonable costs that you incur in the theft of your covered "auto." No deductible applies to defense of such matters. Any reimbursement made this coverage pursuant to this sub-section will be in addition to the limits of liability set forth in the Declarations. WN CA 80 06 19 Includes copyrighted material of Insurance Services Office,with its permission Page 3 of 6 E. Glass Repair—Deductible Waiver G. Rental Reimbursement SECTION III — PHYSICAL DAMAGE COVERAGE, SECTION III—PHYSICAL DAMAGE COVERAGE A. A. Coverage, 3. Glass Breakage — Hitting A Bird Coverage, is amended by adding the following: Or Animal — Falling Objects Or Missiles, is 6. Rental Reimbursement amended by adding the following: This coverage applies only to a covered "auto" of No deductible will apply to glass breakage if such the private passenger or light truck type as glass is repaired, in a manner acceptable to us, rather follows: than replaced. a. We will pay for rental reimbursement F. Hired Auto Physical Damage expenses incurred by you for the rental of a SECTION III — PHYSICAL DAMAGE COVERAGE, private passenger or light truck type "auto" A. Coverage is amended by adding the following: because of "loss" to a covered private pas- s. Hired Auto Physical Damage senger or light truck type "auto". Payment applies in addition to the otherwise applicable If hired "autos" are covered "autos" for Liability amount of each coverage you have on a Coverage and if Comprehensive, Specified covered private passenger or light truck type Causes of Loss, or Collision coverages are pro- "auto." No deductibles apply to this vided under this coverage form for any"auto"you coverage. own, then the Physical Damage Coverages b. We will pay only for those expenses incurred provided are extended to "autos" you hire of like during the policy period beginning 24 hours kind and use, subject to the following: after the"loss" and ending, regardless of the a. The most we will pay for any one "loss" is policy's expiration, with the lesser of the fol- $50,000 or the actual cash value or cost to lowing number of days: repair or replace, whichever is less, minus a (1) The number of days reasonably required deductible; to repair or replace the covered private b. The deductible will be equal to the largest passenger or light truck type "auto". If deductible applicable to any owned"auto"for "loss" is caused by theft, this number of that coverage. Any Comprehensive deducti- days is added to the number of days it ble does not apply to "loss" caused by fire or takes to locate the covered private lightening; passenger or light truck type "auto" and c. Hired Auto Physical Damage coverage is return it to you; or excess over any other collectible insurance; (2) 30 days. and c. Our payment is limited to the lesser of the d. Subject to the above limit, deductible and following amounts: excess provisions we will provide coverage (1) Necessary and actual expenses equal to the broadest coverage applicable to incurred, or any covered "auto" you own. If a limit for Hired Auto Physical Damage is (2) $50 per day, up to a maximum of$1,000. indicated in the Declarations, then that limit replaces, and is not added to, the $50,000 limit indicated above. WN CA 80 06 19 Includes copyrighted material of Insurance Services Office,with its permission Page 4 of 6 d. This coverage does not apply while there are (2) Financial penalties imposed under a spare or reserve private passenger or light lease for excessive use, abnormal wear truck type "autos" available to you for your and tear or high mileage; operations. (3) Security deposits not returned by the e. If "loss" results from the total theft of a lessor; covered "auto" of the private passenger or (4) Costs for extended warranties, Credit light truck type, we will pay under this cover Life Insurance, Health, Accident or age only that amount of your rental reim Disability Insurance purchased with the bursement expenses which is not already loan or lease; and provided for under SECTION III—PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. (5) Carry-over balances from previous loans Coverage Extensions. or leases. For the purposes of this Rental Reimbursement J. Audio, Visual and Data Electronic Equipment — coverage, light truck is defined as a truck with a Limit Amended gross vehicle weight of 10,000 lbs. or less as SECTION III-PHYSICAL DAMAGE COVERAGE,C. defined by the manufacturer as the maximum Limits of Insurance, 1.b. is amended by replacing loaded weight the auto is designed to carry. the$1,000 limit with a$2,500 limit. H. Accidental Airbag Deployment Coverage SECTION III — PHYSICAL DAMAGE COVERAGE, SECTION IV — BUSINESS AUTO CONDITIONS A. Coverage is amended by adding the following: AMENDMENTS A. Duties In The Event Of Accident, Claim, Suit Or 7. Accidental Airbag Deployment Coverage We will pay to reset or replace factory installed Loss Amended airbag(s) in any covered "auto" for accidental SECTION IV— BUSINESS AUTO CONDITIONS, A. discharge, other than discharge due to a collision Loss Conditions, 2. Duties In The Event Of loss. Accident, Claim, Suit Or Loss, a. is amended by This coverage is applicable only if comprehensive adding the following: coverage applies to the covered "auto". This condition applies only when the "accident" or This coverage is excess over any other collectible "loss" is known to: insurance or reimbursement by manufacturer's (1) You, if you are an individual; warranty. (2) A partner, if you are a partnership; I. Auto Loan/Lease Gap Coverage (3) An executive officer or insurance manager, if you SECTION III PHYSICAL DAMAGE COVERAGE, are a corporation; or Item A., Coverage, is amended by adding the (4) A member or manager, if you area limited liability following: company. 8. Auto Loan/Lease Gap Coverage But this section does not amend the provisions This coverage applies only to a covered "auto" relating to notification of police, protection or exami- described or designated in the Schedule or in the nation of the property which was subject to the"loss". Declarations as including physical damage B. Blanket Waiver of Subrogation coverage. In the event of a covered total"loss"to a covered Section IV — BUSINESS AUTO CONDITIONS, A. "auto"described or designated in the Schedule or Loss Conditions, 5. Transfer of Rights of in the Declarations, we will pay any unpaid Recovery Against Others to Us, is amended by amount due on the lease or loan for a covered adding the following exception: "auto" less: However, we waive any right of recovery we may a. The amount paid under the Physical Damage have against any person or organization to the extent Coverage Section on the policy; and required of you by a written contract signed and executed prior to any "accident" or "loss", provided b. Any: that the "accident" or "loss" arises out of operations (1) Overdue lease/loan payments at the time contemplated by such contract. The waiver applies of the "loss"; only to the person or organization designated in such contract. WN CA 80 06 19 Includes copyrighted material of Insurance Services Office,with its permission Page 5 of 6 C. Unintentional Failure to Disclose Hazards E. Primary and Noncontributory If Required By SECTION IV— BUSINESS AUTO CONDITIONS, B. Written Contract or Written Agreement General Conditions, 2. Concealment, Misrepre- SECTION IV— BUSINESS AUTO CONDITIONS, B. sentation Or Fraud, is amended by adding the General Conditions, 5. Other Insurance c., the following paragraph: following is added and supersedes any provision to If you unintentionally fail to disclose any hazards the contrary: existing at the inception date of the policy, or during This Coverage Form's Covered Autos Liability the policy period in connection with any additional Coverage is primary to and will not seek contribution hazards, we will not deny coverage under this Cov- from any other insurance available to an "insured" erage Part because of such failure. under your policy provided that: D. Employee Hired Auto (1) Such "insured" is a Named Insured under such SECTION IV— BUSINESS AUTO CONDITIONS, B. other insurance; and General Conditions,5.Other Insurance,paragraph (2) You have agreed in writing in a contract or b. is deleted and replace by the following: agreement that this insurance would be primary b. For Hired Auto Physical Damage Coverage, the and would not seek contribution from any other following are deemed to be a covered "auto" you insurance available to such "insured". own: (1) Any covered "auto" you lease, hire, rent or borrow. (2) Any covered "auto" hired or rented by your "employee" under a contract in that individual "employee's" name, with your permission, while performing duties related to the conduct of your business. However, any"auto" that is leased, hired, rented or borrowed with a driver is not a covered"auto". WN CA 80 06 19 Includes copyrighted material of Insurance Services Office,with its permission Page 6 of 6 COMMERCIAL GENERAL LIABILITY WN GL 88 07 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - SCHEDULED - CONTRACTORS - OPERATIONS AND COMPLETED OPERATIONS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name of Person or Organization: Blanket coverage as per written contract Location And Description of Operations: Blanket coverage as per written contract Information required to complete this Schedule, if not shown above,will be shown in the Declarations. 1. Additional Insured—Operations b. That portion of "your work" out of which A. Operations Performed For An Additional the injury or damage arises has been put Insured to its intended use by any person or or- ganization other than another contractor or Section II — Who Is An Insured is amended subcontractor engaged in performing op- to include as an additional insured any person erations for a principal as a part of the or organization shown in the schedule, but on- same project. ly with respect to liability for "bodily injury", "property damage" or "personal and advertis- 2. Additional Insured—Completed Operations ing injury" arising out of your ongoing opera- A. Additional Insured—Completed Operations tions for the additional insured at the loca- Section II — Who Is An Insured is amended tion(s) designated and described in this to include as an additional insured any person endorsement. or organization shown in the schedule, but on- B. Limitations ly with respect to "bodily injury" or "property The Operations Performed for Additional In- damage", arising out of"your work" performed sured coverage is limited as follows: for that additional insured at the location(s) designated and described in this endorsement (1) This insurance does not apply to "bodily and included in the "products-completed oper- injury" or "property damage" occurring af- ations hazard". ter: a. All work, including materials, parts or B. Limitations equipment furnished in connection The Additional Insured — Completed Opera- with such work, on the project (other tions coverage is limited as follows: than service, maintenance or repairs) (1) A person or organization's status as an in- to be performed by or on behalf of the sured under Additional Insured — Corn- additional insured(s) at the location of pleted Operations continues only for the the covered operations has been period of time required by any written con- completed; or tract or agreement. WN GL 88 07 15 Page 1 of 2 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. (2) The insurance provided to the additional D. With respect to the insurance afforded to these insured does not apply to "bodily injury", additional insureds, the following is added to "property damage" or"personal and adver- Section III— Limits Of Insurance: tising injury" arising out of "your work" for If coverage provided to the additional insured which a consolidated (wrap-up) insurance is required by a contract or agreement, the program has been provided by the prime most we will pay on behalf of the additional in- contractor-project manager or owner of the sured is: construction project in which you are in (1) The minimum amount required by the con- volved. tract or agreement; or 3. Primary and Noncontributory (2) The Limits of Insurance shown in the Dec- The following is added to the Other Insurance larations; Condition and supersedes any provision to the whichever is less. contrary: This endorsement shall not increase the appli- Primary And Noncontributory Insurance cable Limits of Insurance shown in the Decla- This insurance is primary to and will not seek rations. contribution from any other insurance available E. With respect to the insurance afforded to these to an additional insured under your policy pro- additional insureds, the followingadditional vided that: exclusion applies: (1) The additional insured is a Named Insured under such other insurance; and This insurance does not apply to: (2) You have agreed in writing in a contract or (1) "Bodily injury", "property damage" or "per- agreement that this insurance would be sonal and advertising injury" arising out of primary and would not seek contribution the rendering of, or the failure to render, from any other insurance available to the any professional architectural, engineering additional insured. or surveying services, including: 4. Other Provisions Applicable to Additional In- a. The preparing, approving, or failing to sured — Operations and Additional Insured — prepare or approve, maps, shop draw- Completed Operations ings, opinions, reports, surveys, field A. The Amendment of Insured Contract Definition orders, change orders or drawings (Endorsement CG 24 26) does not apply to the and specifications; or person or organization scheduled on this en- b. Supervisory, inspection, architectural dorsement. or engineering activities. B. The coverage provided under Paragraph f. of This exclusion applies even if the claims the definition of "insured contract" under Sec- against an additional insured allege negli- tion V— Definitions does not apply to an ad- gence or other wrongdoing in the supervi- ditional insured under this endorsement unless sion, hiring, employment, training or moni- required by a written contract or agreement. toring of others by that insured, if the C. The insurance afforded to such additional in- "occurrence" which caused the "bodily in- sured only applies to the extent permitted by jury" or "property damage", or the offense law; and which caused the "personal and advertis- If coverage provided to the additional insured ing injury", involved the rendering of or is required by a contract or agreement, the in- failure to render any professional services surance afforded to such additional insured by you with respect to your providing engi- will not be broader than that which you are re- neering, architectural or surveying ser- quired by the contract or agreement to provide vices in your capacity as an engineer, ar- for such additional insured. chitect or surveyor. WN GL 88 07 15 Page 2 of 2 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Chad Knodel From: Ken Pickens <kenp@ausecurity.net> Sent: Tuesday, March 25, 2025 3:04 PM To: Chad Knodel Subject: RE: Lynx Systems Strobe Lights- Spokane Valley City Hall [EXTERNAL]This email originated outside the City of Spokane Valley.Always use caution when opening attachments or clicking links. I will request that and yes you can retain 10% Until job is accepted. Sincerely, Ken Pickens 1 Access Unlimited &Security, Inc. Owner/Vice President 509.241.0563 01 509.499.7450 C ACCESS U NLIMITED &Sccuii:y me From: Chad Knodel<cknodel@spokanevalleywa.gov> Sent:Tuesday, March 25, 2025 2:43 PM To: Ken Pickens<kenp@ausecurity.net> Subject: Lynx Systems Strobe Lights-Spokane Valley City Hall Hi Ken, I've attached a contract for your review. We would prefer to use our contract language and strike out the terms on Exhibit A. If you're good with it, please sign and send back, otherwise, please let me know what needs to be changed. If all is good, I'll need a COI listing the City of Spokane Valley as a certificate holder. Additionally,would you prefer to have us withhold 10% in lieu of payment and performance bonds, or would you provide the bonds? FYI, I'm still working on getting a PO for the USB buttons. Thanks, Chad Knodel//IT Manager 10210 E. Sprague Ave//Spokane Valley, WA 99206 509-720-5055// cknodel(a�SpokaneValleyWA.gov stir %tier This email and any attachments may be subject to disclosure pursuant to Washington State's Public Record Act,chapter 42.56 RCW. 1 Chad Knodel From: Ken Pickens <kenp@ausecurity.net> Sent: Monday,April 7, 2025 10:05 AM To: Chad Knodel Subject: RE: Lynx Systems Strobe Lights- Spokane Valley City Hall (Correction and acknowledgement) [EXTERNAL]This email originated outside the City of Spokane Valley.Always use caution when opening attachments or clicking links. Good morning, Chad, I wanted to confirm that the contract initially reflected an incorrect amount of$13,70.00. It has since been corrected, and the agreed-upon amount is$1370.00. I hope this clarifies the correct amount for the ceiling strobes installation for the City of Spokane Valley. Please let me know if you need any further details Sincerely, Ken Pickens 1 Access Unlimited &Security, Inc. Owner/Vice President 509.241.0563 01 509.499.7450 C ACCESS U NIIMITED Sccurif)'Inc From: Chad Knodel<cknodel@spokanevalleywa.gov> Sent: Friday,March 28, 2025 12:41 PM To: Ken Pickens<kenp@ausecurity.net> Subject: RE: Lynx Systems Strobe Lights-Spokane Valley City Hall Ken, Our City Attorney's office kicked this back because I had the comma in the wrong place in section 4 of the contract. Also, I didn't Label the quote as Exhibit A and didn't strike out your terms. I've attached updated documents. If you're good with these changes, I can update with your signed page, otherwise, let me know. Apologies for the back and forth on this. Chad From: Ken Pickens<kenp@ausecurity.net> Sent:Tuesday, March 25, 2025 3:31 PM To: Chad Knodel<cknodel@spokanevalleywa.gov> Subject: RE: Lynx Systems Strobe Lights-Spokane Valley City Hall [EXTERNAL]This email originated outside the City of Spokane Valley.Always use caution when opening attachments or clicking links. 1 Sincerely, Ken Pickens I Access Unlimited &Security, Inc. Owner/Vice President 509.241.0563 01 509.499.7450 C ACCESS U NLIMITED &Secants'Inc From: Chad Knodel<cknodel@spokanevallevwa.gov> Sent:Tuesday, March 25,2025 3:22 PM To: Ken Pickens<kenp@ausecuritv.net> Subject: RE: Lynx Systems Strobe Lights-Spokane Valley City Hall Do you need a PO for the lights? I thought that was part of the contract and would be handled under the payment terms of the contract. If you want a separate PO for the two strobe lights, let me know. Chad From: Ken Pickens <kenp@ausecurity.net> Sent:Tuesday, March 25, 2025 3:06 PM To:Chad Knodel<cknodel@spokanevalleywa.gov> Subject: RE: Lynx Systems Strobe Lights-Spokane Valley City Hall [EXTERNAL]This email originated outside the City of Spokane Valley.Always use caution when opening attachments or clicking links. Will you be sending a PO so I can get your lights ordered? Sincerely, Ken Pickens I Access Unlimited &Security, Inc. Owner/Vice President 509.241.0563 01 509.499.7450 C ACCESS UNLIMITED &Sectuiry Inc From:Chad Knodel<cknodel(a@spokanevalleywa.gov> Sent: Tuesday, March 25,2025 2:43 PM To: Ken Pickens<kenp@ausecuritv.net> Subject: Lynx Systems Strobe Lights-Spokane Valley City Hall Hi Ken, I've attached a contract for your review. We would prefer to use our contract language and strike out the terms on Exhibit A. If you're good with it, please sign and send back, otherwise, please let me know what needs to be changed. 2 If all is good, I'll need a COI listing the City of Spokane Valley as a certificate holder. Additionally,would you prefer to have us withhold 10%in lieu of payment and performance bonds,or would you provide the bonds? FYI, I'm still working on getting a PO for the USB buttons. Thanks, Chad Knodel //IT Manager 10210 E. Sprague Ave//Spokane Valley, WA 99206 509-720-5055 11 cknodel anSpokaneVallevWA.gov Spokane ��Valley� This email and any attachments may be subject to disclosure pursuant to Washington State's Public Record Act,chapter 42.56 RCW. 3