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HomeMy WebLinkAboutHB Workplaces, LLC - Insurance Certificate 2025 78/27/2025 (MMIDD/YYYY) A�" CERTIFICATE OF LIABILITY INSURANCE 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 CONTACT NAME: IMA Certificate Team IMA, Inc.-Salt Lake City PHONE FAX 95 S State Street A/c No E : A/C, /C No): Suite 1300 E-MAILADDRESS: certificates@imacorp.com Salt Lake City UT 84111 INSURERS AFFORDING COVERAGE NAIC# INSURER A:WCF Mutual Insurance Company 10033 INSURED HENRBUT-01 INSURERB:Citizens Insurance Company of America 31534 HB Workplaces, LLC Henriksen Butler Design Group INSURERC:Allmerica Financial Benefit Insurance Company 41840 14761 Future Way, Ste 101 INSURERO:The Hanover Insurance Company 22292 Draper UT 84020 INSURERE:WCF Select Insurance Company 21865 INSURER F: Federal Insurance Company 20281 COVERAGES CERTIFICATE NUMBER:1284882989 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDLSUBRTYPE OF INSURANCE INSD WVD POLICY NUMBER POLICY EFF POLICY EXP LTR MMIDD//YYYY MMIDD/YYYY LIMITS B X COMMERCIAL GENERAL LIABILITY ZB4J82235101 9/1/2025 9/1/2026 EACH OCCURRENCE $1,000,000 CLAIMS-MADE a OCCUR PREM ES(E c rr PREMISES Ea occurrence) $1,000,000 MED EXP(Any one person) $10,000 PERSONAL&ADV INJURY $1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000,000 POLICY JECT LOC PRODUCTS-COMP/OP AGG $2,000,000 OTHER: $ C AUTOMOBILE LIABILITY AW4J80055501 9/1/2025 9/1/2026 COMBINED SINGLE LIMIT $1,000,000 Ea accident ANY AUTO BODILY INJURY(Per person) $ X OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS X HIRED X NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY AUTOS ONLY Per accident D X UMBRELLA LIAB X OCCUR UH4J82235201 9/1/2025 9/1/2026 EACH OCCURRENCE $8,000,000 EXCESS LIAB CLAIMS-MADE AGGREGATE $8,000,000 DED I X I RETENTION$n $ A WORKERS COMPENSATION 1253663 9/1/2025 9/1/2026 X STATUTE OERH E AND EMPLOYERS'LIABILITY Y/N 2211730 9/1/2025 9/1/2026 ANYPROPRIETOR/PARTNER/EXECUTIVE ❑ E.L.EACH ACCIDENT $1,000,000 OFFICERIMEMBEREXCLUDED? N/A (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $1,000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $1,000,000 F Professional Liability 82507722 12/6/2024 9/1/2026 Each Claim $2,000,000 Retroactive Date:10/7/2008 Aggregate $2,000,000 Retention $10,000 DESCRIPTION OF OPERATIONS I LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) Workers Compensation Policy#2211730 includes Stop Gap Liability for Washington&Wyoming,subject to the policy terms and conditions. States of Alabama,Arizona,California,Colorado, Idaho, Kansas,Kentucky,Montana,Mississippi,Nebraska,Nevada, New Jersey,Oklahoma,Oregon, South Carolina,and Wisconsin are included in the Workers Compensation Policy#2211730 and State of Utah is included in the Workers Compensation Policy#1253663,subject to the policy terms,conditions,exclusions and limitations. See Attached... CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of Fort Collins ACCORDANCE WITH THE POLICY PROVISIONS. Accounting Department PO Box 2047 AUTHORIZED REPRESENTATIVE Fort Collins CO 80522-0580 ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD AGENCY CUSTOMER ID: HENRBUT-01 LOC#: ACCOR o ADDITIONAL REMARKS SCHEDULE Page 1 of 1 AGENCY NAMED INSURED IMA, Inc.-Salt Lake City HB Workplaces, LLC Henriksen Butler Design Group POLICY NUMBER 14761 Future Way,Ste 101 Draper UT 84020 CARRIER NAIC CODE EFFECTIVE DATE: ADDITIONAL REMARKS THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM, FORM NUMBER: 25 FORM TITLE: CERTIFICATE OF LIABILITY INSURANCE Named Insured Includes: HB Workplaces, LLC Henriksen Butler Design Group,LLC HB Intermountain Holdings,LLC HB Real Properties,LLC Henriksen Butler Installation, LLC Henriksen/Butler Nevada, LLC Henriksen Butler Nevada LLC dba HB Workplaces LLC SpaceSaver Intermountain, LLC Henriksen Butler Services, LLC Henriken Butler Investments, LLC Mozaik Holdings, LLC Mozaik Holdings LLC,dba HB Flooring Solutions Henriksen Butler Installation, LLC dba Henriksen Butler Services,LLC HB Sprague LLC Flex Office Holdings,LLC Flex Office Holdings,LLC dba Woven Workspaces Certificate Holder and all other parties required by the contract are included as Additional Insured including Ongoing and Completed Operations on the General Liability Policy,if required by written contract or agreement,subject to the policy terms and conditions. Certificate Holder and all other parties required by the contract are included as Additional Insured on the Automobile Liability and Umbrella Liability Policies, if required by written contract or agreement,subject to the policy terms and conditions.This Insurance is Primary&Non-Contributory on the General Liability and Automobile Liability Policies,if required by written contract or agreement,subject to the policy terms and conditions. A Waiver of Subrogation is provided in favor of the Certificate Holder and all other parties required by the contract on the General Liability,Automobile Liability, Umbrella Liability and Workers Compensation Policies,if required by written contract or agreement,subject to the policy terms and conditions. Umbrella Liability policy is in excess of the General Liability,Automobile Liability and Employers Liability(#1253663 and#211730)Policies,subject to the policy terms and conditions. General Liability Coverage includes 30 day notice of cancellation,subject to the terms and conditions of the policy. RE:Storage lockers for Police Department/Police Services,2221 South Timberline Road,Fort Collins CO 80525. Additional Insureds include:City of Fort Collins ACORD 101 (2008/01) ©2008 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD ZB4 J822351 01 2301172 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY BROADENING ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SUMMARY OF COVERAGES 1. Additional Insured by Contract, Agreement or Permit Included 2. Additional Insured—Primary and Non-Contributory Included 3. Blanket Waiver of Subrogation Included 4. Bodily Injury Redefined Included 5. Broad Form Property Damage—Borrowed Equipment, Customers Goods & Use of Elevators Included 6. Knowledge of Occurrence Included 7. Liberalization Clause Included 8. Medical Payments— Extended Reporting Period Included 9. Newly Acquired or Formed Organizations - Covered until end of policy period Included 10. Non-owned Watercraft 51 ft. 11. Supplementary Payments Increased Limits - Bail Bonds $2,500 - Loss of Earnings $1000 12. Unintentional Failure to Disclose Hazards Included 13. Unintentional Failure to Notify Included This endorsement amends coverages provided under the Commercial General Liability Coverage Part through new coverages, higher limits and broader coverage grants. 1. Additional Insured by Contract, Agreement or (1) "Your work" for the additional insured(s) Permit designated in the contract, agreement or The following is added to SECTION II — WHO IS permit; AN INSURED: (2) Premises you own, rent, lease or occupy; Additional Insured by Contract, Agreement or or Permit (3) Your maintenance, operation or use of a. Any person or organization with whom you equipment leased to you. agreed in a written contract, written agreement b. The insurance afforded to such additional or permit that such person or organization to insured described above: add an additional insured on your policy is an (1) Only applies to the extent permitted by additional insured only with respect to liability law; and for "bodily injury", "property damage", or "personal and advertising injury" caused, in (2) Will not be broader than the insurance whole or in part, by your acts or omissions, or which you are required by the contract, the acts or omissions of those acting on your agreement or permit to provide for such behalf, but only with respect to: additional insured. 421-2915 06 15 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 1 of 4 Z134 J822351 01 2301172 (3) Applies on a primary basis if that is advertising injury' involved the rendering required by the written contract, written of or failure to render any professional agreement or permit. services by or for you. (4) Will not be broader than coverage d. With respect to the insurance afforded to provided to any other insured. these additional insureds, the following is (5) Does not apply if the "bodily injury', added to SECTION III — LIMITS OF "property damage" or "personal and INSURANCE: advertising injury' is otherwise excluded The most we will pay on behalf of the from coverage under this Coverage Part, additional insured for a covered claim is the including any endorsements thereto. lesser of the amount of insurance: c. This provision does not apply: 1. Required by the contract, agreement or (1) Unless the written contract or written permit described in Paragraph a.; or agreement was executed or permit was 2. Available under the applicable Limits of issued prior to the "bodily injury', "property Insurance shown in the Declarations. damage", or "personal injury and This endorsement shall not increase the advertising injury'. applicable Limits of Insurance shown in the (2) To any person or organization included as Declarations. an insured by another endorsement 2. Additional Insured — Primary and Non- issued by us and made part of this Contributory Coverage Part. The following is added to SECTION IV — (3) To any lessor of equipment: COMMERCIAL GENERAL LIABILITY (a) After the equipment lease expires; or CONDITIONS, Paragraph 4. Other insurance: (b) If the "bodily injury', "property Additional Insured — Primary and Non- damage", "personal and advertising Contributory injury" arises out of sole negligence of If you agree in a written contract, written the lessor agreement or permit that the insurance provided to (4) To any: any person or organization included as an (a) Owners or other interests from. whom Additional Insured under SECTION II — WHO IS land has been leased which takes AN INSURED, is primary and non-contributory, place after the lease for the land ex- the following applies: pires; or If other valid and collectible insurance is available (b) Managers or lessors of premises if: to the Additional Insured for a loss covered under Coverages A or B of this Coverage Part, our (i) The occurrence takes place after obligations are limited as follows: you cease to be a tenant in that a. Primary Insurance premises; or (ii) The "bodily injury', "property This insurance is primary to other insurance damage", "personal injury' or that is available to the Additional Insured "advertising injury" arises out of which covers the structural alterations, new con- Additional Insured as a Named Insured. We struction or demolition operations will not seek contribution from any other performed by or on behalf of the insurance available to the Additional Insured manager or lessor. except: (5) To "bodily injury', "property damage" or (1) For the sole negligence of the Additional "personal and advertising injury" arising Insured; out of the rendering of or the failure to (2) When the Additional Insured is an render any professional services. Additional Insured under another primary This exclusion applies even if the claims liability policy; or against any insured allege negligence or (3) when b. below applies. other wrongdoing in the supervision, hiring, employment, training or monitoring If this insurance is primary, our obligations are of others by that insured, if the not affected unless any of the other insurance "occurrence" which caused the "bodily is also primary. Then, we will share with all injury' or"property damage" or the offense that other insurance by the method described which caused the "personal and in c. below. 421-2915 06 15 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 2 of 4 ZB4 J822351 01 2301172 b. Excess Insurance insurer contributes equal amounts until it has (1) This insurance is excess over any of the paid its applicable limit of insurance or none of other insurance, whether primary, excess, the loss remains, whichever comes first. If any contingent or on any other basis: of the other insurance does not permit contribution by equal shares, we will contribute (a) That is Fire, Extended Coverage, by limits. Under this method, each insurer's Builder's Risk, Installation Risk or share is based on the ratio of its applicable similar coverage for"your work"; limit of insurance to the total applicable limits (b) That is Fire insurance for premises of insurance of all insurers rented to the Additional Insured or 3. Blanket Waiver of Subrogation temporarily occupied by the Additional I The following is added to SECTION IV — Insured with permission of the owner; COMMERCIAL GENERAL LIABILITY (c) That is insurance purchased by the CONDITIONS, Paragraph 8. Transfer Of Rights Additional Insured to cover the Of Recovery Against Others To Us: Additional Insured's liability as a tenant for "property damage" to We waive any right of recovery we may have premises rented to the Additional against any person or organization with whom you Insured or temporarily occupied by the have a written contract that requires such waiver Additional with permission of the because of payments we make for damage under owner; or this coverage form. The damage must arise out of your activities under a written contract with that (d) If the loss arises out of the person or organization. This waiver applies only to maintenance or use of aircraft, "autos" the extent that subrogation is waived under a or watercraft to the extent not subject written contract executed prior to the "occurrence" to Exclusion g. of SECTION I — or offense giving rise to such payments. COVERAGE A — BODILY INURY AND PROPERTY DAMAGE 4. Bodily Injury Redefined LIABILITY. SECTION V — DEFINITIONS, Definition 3. "bodily (2) When this insurance is excess, we will injury" is replaced by the following: have no duty under Coverages A or B to 3. "Bodily injury" means bodily injury, sickness or defend the insured against any"suit" if any disease sustained by a person including death other insurer has a duty to defend the resulting from any of these at any time. "Bodily insured against that "suit". If no other injury" includes mental anguish or other insurer defends, we will undertake to do mental injury resulting from "bodily injury". so, but we will be entitled to the insured's 5. Broad Form Property Damage — Borrowed rights against all those other insurers. Equipment, Customers Goods, Use of (3) When this insurance is excess over other Elevators Insurance, we will pay only our share of a. SECTION I —COVERAGES, COVERAGE A— the amount of the loss, if any, that BODILIY INJURY AND PROPERTY exceeds the sum of: DAMAGE LIABILITY, Paragraph 2. (a) The total amount that all such other Exclusions subparagraph j. is amended as insurance would pay for the loss in the follows: absence of this insurance; and Paragraph (4) does not apply to "property (b) The total of all deductible and self damage" to borrowed equipment while at a insured amounts under all that other jobsite and not being used to perform insurance. operations. We will share the remaining loss, if any, Paragraphs (3), (4) and (6) do not apply to with any other insurance that is not "property damage" to "customers goods" while described in this Excess Insurance on your premises nor do they apply to the use provision and was not bought specifically of elevators at premises you own, rent, lease to apply in excess of the Limits of or occupy. Insurance shown in the Declarations of b. The following is added to SECTION V — this Coverage Part. DEFINTIONS: c. Method Of Sharing 24. "Customers goods" means property of If all of the other insurance permits your customer on your premises for the contribution by equal shares, we will follow this purpose of being: method also. Under this approach each 421-2915 06 15 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 3 of 4 ZB4 J822351 01 2301172 a. worked on; or 10. Non-Owned Watercraft b. used in your manufacturing process. SECTION I — COVERAGES, COVERAGE A c. The insurance afforded under this provision is BODILY INJURY AND PROPERTY DAMAGE excess over any other valid and collectible LIABILITY, Paragraph 2. Exclusions, property insurance (including deductible) subparagraph g.(2) is replaced by the following: available to the insured whether primary, g. Aircraft, Auto Or Watercraft excess, contingent (2) A watercraft you do not own that is: 6. Knowledge of Occurrence (a) Less than 51 feet long; and The following is added to SECTION IV — (b) Not being used to carry persons or COMMERCIAL GENERAL LIABILITY property for a charge; CONDITIONS, Paragraph 2. Duties in the Event of Occurrence, Offense, Claim or Suit: This provision applies to any person who, with your consent, either uses or is e. Notice of an "occurrence", offense, claim or responsible for the use of a watercraft. "suit" will be considered knowledge of the insured if reported to an individual named 11. Supplementary Payments Increased Limits insured, partner, executive officer or an SECTION I — SUPPLEMENTARY PAYMENTS "employee" designated by you to give us such COVERAGES A AND B, Paragraphs 1.b. and a notice. 1.d. are replaced by the following: 7. Liberalization Clause 1.b.Up to $2,500 for cost of bail bonds required The following is added to SECTION IV — because of accidents or traffic law violations COMMERCIAL GENERAL LIABILITY arising out of the use of any vehicle to which CONDITIONS: the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. Liberalization Clause 1.d.All reasonable expenses incurred by the If we adopt any revision that would broaden the insured at our request to assist us in the coverage under this Coverage Form without investigation or defense of the claim or "suit", additional premium, within 45 days prior to or including actual loss of earnings up to $1000 a during the policy period, the broadened coverage day because of time off from work. will immediately apply to this Coverage Part. 12. Unintentional Failure to Disclose Hazards 8. Medical Payments — Extended Reporting Period The following is added to SECTION IV — a. SECTION I —COVERAGES, COVERAGE C— COMMERCIAL GENERAL LIABILITY MEDICAL PAYMENTS, Paragraph 1. CONDITIONS, Paragraph 6. Representations: Insuring Agreement, subparagraph a.(3)(b) We will not disclaim coverage under this Coverage is replaced by the following: Part if you fail to disclose all hazards existing as of the inception date of the policy provided such (b) The expenses are incurred and reported failure is not intentional. to us within three years of the date of the accident; and 13. Unintentional Failure to Notify b. This coverage does not apply if COVERAGE The following is added to SECTION IV — C — MEDICAL PAYMENTS is excluded either COMMERCIAL GENERAL LIABILITY by the provisions of the Coverage Part or by CONDITIONS, Paragraph 2. Duties in the Event endorsement. of Occurrence, Offense, Claim or Suit: 9. Newly Acquired Or Formed Organizations Your rights afforded under this policy shall not be prejudiced if you fail to give us notice of an SECTION II — WHO IS AN INSURED, Paragraph "occurrence", offense, claim or "suit", solely due to 3.a. is replaced by the following: your reasonable and documented belief that the a. Coverage under this provision is afforded until "bodily injury" or "property damage" is not covered the end of the policy period. under this policy. ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. 421-2915 06 15 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 4 of 4 ZB4 J822351 01 2301172 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SUMMARY OF COVERAGES 1. Additional Insured—Broad Form Vendors Included 2. Aggregate Limit per Location Included 3. Alienated Premises Included 4. Broad Form Named Insured Included 5. Extended Property Damage Included 6. Incidental Malpractice (Employed nurses, EMT's & paramedics) Included 7. Mobile Equipment Redefined Included 8. Personal Injury— Broad Form Included 9. Product Recall Expense - Product Recall Expense Each Occurrence Limit $25,000 - Product Recall Expense Aggregate Limit $50,000 - Product Recall Deductible $500 10. Property Damage Legal Liability— Broad Form - Fire, Lightning, Explosion, Smoke and Leakage from Fire Protective Systems $1,000,000 Damage Limit This endorsement amends coverages provided under the Commercial General Liability Coverage Part through new coverages, higher limits and broader coverage grants. 1. Additional Insured—Broad Form Vendors (4) Does not apply if the "bodily injury", The following is added to SECTION II — WHO IS "property damage" or "personal and AN INSURED: advertising injury" is otherwise excluded from coverage under this Coverage Part, Additional Insured—Broad Form Vendors including any endorsements thereto a. Any person or organization that is a vendor c. With respect to insurance afforded to such with whom you agreed in a written contract or vendors, the following additional exclusions written agreement to include as an additional apply: insured under this Coverage Part is an insured, but only with respect to liability for The insurance afforded to the vendor does "bodily injury" or "property damage" arising not apply to: out of"your products" which are distributed or (1) "Bodily injury" or "property damage" for sold in the regular course of the vendor's which the vendor is obligated to pay business. damages by reasons of the assumption b. The insurance afforded to such vendor of liability in a contract or agreement. described above: This exclusion does not apply to liability for damages that the insured would have (1) Only applies to the extent permitted by in the absence of the contract or law; agreement; (2) Will not be broader than the insurance (2) Any express warranty unauthorized by which you are required by the contract or you; agreement to provide for such vendor; (3) Any physical or chemical change in the (3) Will not be broader than coverage product made intentionally by the vendor; provided to any other insured; and (4) Repackaging, unless unpacked solely for the purpose of inspection, demonstration, 421-2916 06 15 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 1 of 6 ZB4 J822351 01 2301172 testing, or the substitution of parts under 2. Available under the applicable Limits of instruction from the manufacturer, and Insurance shown in the Declarations; then repackaged in the original container; This endorsement shall not increase the (5) Any failure to make such inspection, applicable Limits of Insurance shown in the adjustments, tests or servicing as the Declarations. vendor has agreed to make or normally 2. Aggregate Limit Per Location undertakes to make in the usual course of business in connection with the sale of a. SECTION III — LIMITS OF INSURANCE, the the product; General Aggregate Limit applies separately (6) Demonstration, installation, servicing or to each of your "locations" owned by or repair operations, except such operations rented to you. performed at the vendor's premises in b. For purpose of this coverage only, the connection with the sale of the product; following is added to SECTION V — DEFINITIONS: (7) Products which, after distribution or sale by you, have been labeled or relabeled "Location" means premises involving the or used as a container, part or ingredient same or connecting lots, or premises whose of any other thing or substance by or for connection is interrupted only by a street, the vendor; roadway, waterway or right-of-way of a rail- road. (8) "Bodily injury" or "property damage" arising out of the sole negligence of the 3. Alienated Premises vendor for its own acts or omissions or SECTION I — COVERAGES, COVERAGE A — those of its employees or anyone else BODILY INJURY AND PROPERTY DAMAGE acting on its behalf. However, this LIABILITY, Paragraph 2. Exclusions, exclusion does not apply to: subparagraph j.(2) is replaced by the following: (a) The exceptions contained within the (2) Premises you sell, give away or abandon, if exclusion in subparagraphs (4) or (6) the "property damage" arises out of any part above; or of those premises and occurred from hazards (b) Such inspections, adjustments, tests that were known by you, or should have or servicing as the vendor has reasonably been known by you, at the time agreed to make or normally the property was transferred or abandoned. undertakes to make in the usual 4. Broad Form Named Insured course of business, in connection If you are designated in the Declarations as with the distribution or sale of the anything other than an individual, then any products. organization: (9) "Bodily injury" or "property damage" a. Over which you maintained a combined arising out of an "occurrence" that took ownership interest of more than 50% on the place before you have signed the effective date of this policy; contract or agreement with the vendor. b. That is not a partnership, joint venture or (10)To any person or organization included limited liability company; and as an insured by another endorsement issued by us and made part of this c. That is not excluded by any endorsement to Coverage Part. this policy, will qualify as a Named Insured if (11)Any insured person or organization, from there is no other similar insurance available to that organization, or that would be whom you have acquired such products, available but for exhaustion of its limits. or any ingredient, part or container, entering into, accompanying or Any such organization will cease to qualify as a containing such products. Named Insured as of the date during the policy period when the combined ownership interest of d. With respect to the insurance afforded to the Named Insureds in the organization equals or these vendors, the following is added to SECTION III— LIMITS OF INSURANCE: falls below 50%. The most we will pay on behalf of the vendor 5. Extended Property Damage for a covered claim is the lesser of the SECTION I — COVERAGES, COVERAGE A — amount of insurance: BODILY INJURY AND PROPERTY DAMAGE LIABILITY, Paragraph 2. Exclusions, 1. Required by the contract or agreement subparagraph a. is replaced by the following: described in Paragraph a.; or 421-2916 06 15 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 2 of 6 ZB4 J822351 01 2301172 a. Expected Or Intended Injury include the unlawful treatment of individuals Bodily injury" or "property damage" expected based upon developmental, physical, or intended from the standpoint of the cognitive, mental, sensory or emotional insured. This exclusion does not apply to impairment or any combination of these. "bodily injury" or "property damage" resulting e. This coverage does not apply if COVERAGE from the use of reasonable force to protect B — PERSONAL AND ADVERTISING persons or property. INJURY LIABILITY is excluded either by the 6. Incidental Malpractice — Employed Nurses, provisions of the Coverage Form or by EMT's and Paramedics endorsement. SECTION II —WHO IS AN INSURED, paragraph 9• Product Recall Expense 2.a.(1)(d) does not apply to a nurse, emergency a. SECTION I — COVERAGES, COVERAGE A medical technician or paramedic employed by — BODILY INJURY AND PROPERTY you if you are not engaged in the business or DAMAGE LIABILITY, Paragraph 2. occupation of providing medical, paramedical, Exclusions, subparagraph n. is replaced by surgical, dental, x-ray or nursing services. the following: 7. Mobile Equipment Redefined n. Recall of Products, Work or Impaired SECTION V — DEFINITIONS, Definition 12. Property "Mobile Equipment", paragraph f.(1) does not Damages claimed for any loss, cost or apply to self-propelled vehicles of less than 1,000 expense incurred by you or others for the pounds gross vehicle weight. loss of use, withdrawal, recall, 8. Personal Injury—Broad Form inspection, repair, replacement, a. SECTION I — COVERAGES, COVERAGE B adjustment, removal or disposal of: — PERSONAL AND ADVERTISING INJURY (1) "Your product"; LIABILITY, Paragraph 2. Exclusions, (2) "Your work"; or subparagraph e. is deleted. (3) "Impaired property"; b. SECTION V — DEFINITIONS, Definition 14, if such product, work, or property is "Personal and advertising injury" withdrawn or recalled from the market or subparagraph b. is replaced by the following: from use by any person or organization b. Malicious prosecution or abuse of because of a known or suspected defect, process. deficiency, inadequacy or dangerous c. The following is added to SECTION V — condition in it, but this exclusion does not DEFINITIONS, Definition 14. "Personal and apply to "product recall expenses" that advertising injury": you incur for the "covered recall" of"your "Discrimination" (unless insurance thereof is product". prohibited by law) that results in injury to the However, this exception to the exclusion feelings or reputation of a natural person, but does not apply to "product recall only if such "discrimination" is: expenses" resulting solely from: (1) Not done intentionally by or at the (4) Failure of any products to accomplish direction of: their intended purpose; (a) The insured; (5) Breach of warranties of fitness, (b) Any officer of the corporation, quality, durability or performance; director, stockholder, partner or (6) Loss of customer approval, or any member of the insured; and cost incurred to regain customer (2) Not directly or indirectly related to an approval; "employee", not to the employment, (7) Redistribution or replacement of prospective employment or termination of "your product" which has been any person or persons by an insured. recalled by like products or d. The following is added to SECTION V — substitutes; DEFINITIONS: (8) Caprice or whim of the insured; "Discrimination" means the unlawful (9) A condition likely to cause loss of treatment of individuals based upon race, which any insured knew or had color, ethnic origin, gender, religion, age, or reason to know at the inception of sexual preference. "Discrimination" does not this insurance; 421-2916 06 15 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 3 of 6 ZB4 J822351 01 2301172 (10)Asbestos, including loss, damage or expenses" to an amount that is less than clean up resulting from asbestos or the Product Recall Expense Each asbestos containing materials; Occurrence Limit, the remaining Product (11)Recall of "your products" that have Recall Expense Aggregate Limit is the no known or suspected defect solely most that will be available for because a known or suspected reimbursement of "product recall defect in another of "your products" expenses" in connection with any other has been found. defect or deficiency. b. The following is added to SECTION II — g• Product Recall Deductible WHO IS AN INSURED, Paragraph 3. We will only pay for the amount of COVERAGE A does not apply to "product "product recall expenses" which are in recall expense" arising out of any withdrawal excess of the $500 Product Recall or recall that occurred before you acquired or Deductible. The Product Recall formed the organization. Deductible applies separately to each "covered recall". The limits of insurance c. For the purposes of this endorsement only, will not be reduced by the amount of this the following is added to SECTION III — deductible. LIMITS OF INSURANCE: Product Recall Expense Limits of We may, or will if required by law, pay all Insurance or any part of any deductible amount, if applicable. Upon notice of our payment a. The Limits of Insurance shown in the of a deductible amount, you shall SUMMARY OF COVERAGES of this promptly reimburse us for the part of the endorsement and rules stated below fix deductible amount we paid. the most we will pay under this Product The Product Recall Expense Limits of Recall Expense Coverage regardless of Insurance apply separately to each the number of: consecutive annual period and to any (1) Insureds: remaining period of less than 12 months, (2) "Covered Recalls" initiated: or starting with the beginning of the policy period shown in the Declarations, unless the (3) Number of "your products" policy period is extended after issuance for withdrawn. an additional period of less than 12 months. b. The Product Recall Expense Aggregate In that case, the additional period will be Limit is the most we will reimburse you deemed part of the last preceding period for for the sum of all "product recall the purposes of determining the Limits of expenses" incurred for all "covered Insurance. recalls" initiated during the policy period. d. The following is added to SECTION IV — c. The Product Recall Expense Each COMMERCIAL GENERAL LIABILITY Occurrence Limit is the most we will pay CONDITIONS, Paragraph 2. Duties in the in connection with any one defect or Event of Occurrence, Offense, Claim or deficiency. Suit: d. All "product recall expenses" in You must take the following actions in the connection with substantially the same event of an actual or anticipated "covered general harmful condition will be deemed recall" that may result in "product recall to arise out of the same defect or expense": deficiency and considered one (1) Give us prompt notice of any discovery "occurrence". or notification that "your product" must be e. Any amount reimbursed for "product withdrawn or recalled, including a recall expenses" in connection with any description of "your product" and the one "occurrence" will reduce the amount reason for the withdrawal or recall; and of the Product Recall Expense Aggregate (2) Cease any further release, shipment, Limit available for reimbursement of consignment or any other method of "product recall expenses" in connection distribution of like or similar products until with any other defect or deficiency. it has been determined that all such f. If the Product Recall Expense Aggregate products are free from defects that could Limit has been reduced by be a cause of loss under this insurance. reimbursement of "product recall 421-2916 06 15 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 4 of 6 ZB4 J822351 01 2301172 e. The following definitions are added to a. SECTION I — COVERAGES, COVERAGE A SECTION V—DEFINITIONS: — BODILY INJURY AND PROPERTY "Covered recall," means a recall made DAMAGE LIABILITY, the last paragraph necessary because you or a government (after the exclusions) is replaced by the body has determined that a known or following: suspected defect, deficiency, inadequacy, or Exclusions c. through n. do not apply to dangerous condition in "your product" has damage by fire, lightning, explosion, smoke resulted or will result in "bodily injury" or or leakage from fire protective systems to "property damage". premises while rented to you or temporarily "Product recall expense" means: occupied by you with the permission of the owner. A separate limit of insurance applies a. Necessary and reasonable expenses for: to this coverage as described in SECTION III (1) Communications, including radio or — LIMITS OF INSURANCE. television announcements or printed b. SECTION III — LIMITS OF INSURANCE, advertisements including stationery, Paragraph 6. is replaced by the following: envelopes and postage; 6. Subject to Paragraph 5. above, The (2) Shipping the recalled products from Damage to Premises Rented to You any purchaser, distributor or user to Limit is the most we will pay under the place or places designated by COVERAGE A for damages because of you; "property damage" to any one premises (3) Remuneration paid to your regular from fire, lightning, explosion, smoke and "employees"for necessary overtime; leakage from fire protective systems to (4) Hiring additional persons, other than premises, while rented to you or your regular"employees"; temporarily occupied by you with (5) Expenses incurred by "employees" permission of the owner. including transportation and ac- The Damage to Premises Rented to You commodations; Limit is the higher of: (6) Expenses to rent additional ware- a. $1,000,000; or house or storage space; b. The Damage to Premises Rented to (7) Disposal of "your product", but only You Limit shown in the Declarations. to the extent that specific methods of This limit will apply to all damage caused destruction other than those by the same event, whether such employed for trash discarding or damage results from fire, lightning, disposal are required to avoid "bodily explosion, smoke, leakage from fire injury" or "property damage" as a protective systems or any combination of result of such disposal; any of these. You incur exclusively for the purpose of c. SECTION IV — COMMERCIAL GENERAL recalling "your product"; and LIABILITY CONDITIONS, Paragraph 4. b. Your lost profit resulting from such Other Insurance, subparagraph b. Excess "covered recall". Insurance, item (a)(ii) is replaced by the f. This Product Recall Expense Coverage does following: not apply: (ii) That is fire, lightning, explosion, smoke or leakage from fire protective systems (1) If the "products — completed operations insurance for premises rented to you or hazard" is excluded from coverage under temporarily occupied by you with this Coverage Part including any permission of the owner; or endorsement thereto; or d. SECTION V — DEFINITIONS, Definition 9. (2) To "product recall expense" arising out of "Insured contract", Paragraph a. is replaced any of "your products" that are otherwise by the following: excluded from coverage under this Coverage Part including endorsements a. A contract for a lease of premises. thereto. However, that portion of the contract for a lease of premises that indemnifies any 10. Property Damage Legal Liability — Broad person or organization for damage by Form fire, lightning, explosion, smoke or leakage from fire protective systems to 421-2916 06 15 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 5 of 6 ZB4 J822351 01 2301172 premises while rented to you or e. This coverage does not apply if Damage to temporarily occupied by you with Premises Rented to You is excluded either permission of the owner is not an by the provisions of the Coverage Part or by "insured contract". endorsement. ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. 421-2916 06 15 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 6 of 6 ZB4 J822351 01 2301172 POLICY NUMBER: ZB4 J822351 00 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 111 Main, LLC BLANKET WHERE REQUIRED BY WRITTEN CONTRACT OR AGREEMENT, OR PERMIT BNBuilders, Illumina, Inc. BLANKET WHERE REQUIRED BY WRITTEN CONTRACT OR AGREEMENT, OR PERMIT City of San Diego BLANKET WHERE REQUIRED BY WRITTEN CONTRACT OR AGREEMENT, OR PERMIT Dickinson Cameron Construction Company BLANKET WHERE REQUIRED BY WRITTEN CONTRACT OR AGREEMENT, OR PERMIT DPR Construction, a General Partnership BLANKET WHERE REQUIRED BY WRITTEN CONTRACT OR AGREEMENT, OR PERMIT DPR Construction, a General Partnership SDSU-Fowler Locker Room Renovation; DPR Project D1-All 7035-05 DPR Construction, a General Partnership USD-Copley Library Renovation; DPR Job -DA-A18037-00 Tanamera Construction HEALING MINDS TI PROJECT IN RPC BUSINESS PARK (BLDG 6) Tanamera Construction THE OVERLOOK AT KEYSTONE CANYON INVESTORS, LLC, 3150 Leadership Parkway, Reno NV 89503 The Whiting Turner Contracting Company All WT Projects and Locations Zions Bancorporation, NA BLANKET WHERE REQUIRED BY WRITTEN CONTRACT OR AGREEMENT, OR PERMIT BLANKET WHERE REQUIRED BY WRITTEN BLANKET WHERE REQUIRED BY WRITTEN CONTRACT OR AGREEMENT, OR PERMIT CONTRACT OR AGREEMENT, OR PERMIT Information required to complete this Schedule, if not shown above, will be shown in the Declarations. CG 20 10 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 3 ZB4 J822351 01 2301172 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. All work, including materials, parts or 1. Your acts or omissions; 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 2 of 3 ZB4 J822351 01 2301172 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 3 of 3 © Insurance Services Office, Inc., 2012 CG 20 10 04 13 ZB4 J822351 01 2301172 POLICY NUMBER: ZB4 J822351 00 COMMERCIAL GENERAL LIABILITY CG 20 37 04 13 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 BLANKET WHERE REQUIRED BY WRITTEN BLANKET WHERE REQUIRED BY WRITTEN CONTRACT OR AGREEMENT, OR PERMIT CONTRACT OR AGREEMENT, OR PERMIT 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 ZB4 J822351 01 2301172 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - PRIMARY AND NON-CONTRIBUTORY This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART The following is added to SECTION IV — damage" to premises rented to the COMMERCIAL GENERAL LIABILITY CONDITIONS, Additional Insured or temporarily occupied Paragraph 4. Other Insurance: by the Additional with permission of the Additional Insured— Primary and Non-Contributory owner; or (iv) If the loss arises out of the maintenance or If you agree in a written contract, written agreement or use of aircraft, "autos" or watercraft to the permit that the insurance provided to any person or extent not subject to Exclusion g. of organization included as an Additional Insured under SECTION I — COVERAGE A — BODILY SECTION II — WHO IS AN INSURED, is primary and INURY AND PROPERTY DAMAGE non-contributory, the following applies: LIABILITY. If other valid and collectible insurance is available to (b) When this insurance is excess, we will have the Additional Insured for a loss we cover under no duty under Coverages A or B to defend the Coverages A or B of this Coverage Part, our insured against any "suit" if any other insurer obligations are limited as follows: has a duty to defend the insured against that (1) Primary Insurance "suit". If no other insurer defends, we will This insurance is primary to other insurance that is undertake to do so, but we will be entitled to available to the Additional Insured which covers the insured's rights against all those other the insurers. Additional Insured as a Named Insured. We will (c) When this insurance is excess over other not seek contribution from any other insurance Insurance, we will pay only our share of the available to the Additional Insured except: amount of the loss, if any, that exceeds the sum of: (a) For the sole negligence of the Additional Insured; (i) The total amount that all such other insurance would pay for the loss in the (b) When the Additional Insured is an Additional absence of this insurance; and Insured under another primary liability policy; or (ii) The total of all deductible and self insured amounts under all that other insurance. (c) When (2) below applies. We will share the remaining loss, if any, with If this insurance is primary, our obligations are not any other insurance that is not described in this affected unless any of the other insurance is also Excess Insurance provision and was not primary. Then, we will share with all that other bought specifically to apply in excess of the insurance by the method described in (3) below. Limits of Insurance shown in the Declarations (2) Excess Insurance of this Coverage Part. (a) This insurance is excess over any of the other (3) Method Of Sharing insurance, whether primary, excess, (a) If all of the other insurance permits contingent or on any other basis: contribution by equal shares, we will follow this (i) That is Fire, Extended Coverage, Builder's method also. Under this approach each Risk, Installation Risk or similar coverage insurer contributes equal amounts until it has for"your work"; paid its applicable limit of insurance or none of (ii) That is Fire insurance for premises rented the loss remains, whichever comes first. to the Additional Insured or temporarily (b) If any of the other insurance does not permit occupied by the Additional Insured with contribution by equal shares, we will contribute permission of the owner; by limits. Under this method, each insurer's (iii) That is insurance purchased by the share is based on the ratio of its applicable Additional Insured to cover the Additional limit of insurance to the total applicable limits Insured's liability as a tenant for "property of insurance of all insurers. ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. 421-0452 12 14 Includes copyrighted materials of Insurance Services Office, Inc.,with its permission. Page 1 of 1 Hanover Insurance Group.. AW4J80055501 2301172 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED -PRIMARY AND NON-CONTRIBUTORY This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE PART A. The following is added to SECTION II - Primary and Non-Contributory LIABILITY COVERAGE, Paragraph A.I. Who Is If you agree in a written contract, written An Insured: agreement or written permit that the insurance Additional Insured if Required by Contract provided to a person or organization who If you agree in a written contract, written qualifies as an additional "insured" under agreement or written permit that a person or SECTION II - LIABILITY COVERAGE, Paragraph organization be added as an additional A.1. Who Is An Insured, subparagraph "insured" under this Coverage Part, such Additional Insured if Required by Contract is person or organization is an "insured"; but only primary and non-contributory, the following to the extent that such person or organization applies: qualifies as an "insured" under paragraph A.1.c. The liability coverage provided by this Coverage of this Section. Part is primary to any other insurance available If you agree in a written contract, written to the additional "insured" as a Named Insured. agreement or written permit that a person or We will not seek contribution from any other organization be added as an additional insurance available to the additional "insured" "insured" under this Coverage Part, the most except: we will pay on behalf of such additional (1) For the sole negligence of the additional "insured" is the lesser of: "insured"; or (1) The Limits of Insurance for liability coverage (2) For negligence arising out of the ownership, specified in the written contract, written maintenance or use of any "auto" not owned agreement or written permit; or by the additional "insured" or by you, unless (2) The Limits of Insurance for Liability that "auto" is a "trailer" connected to an Coverage shown in the Declarations auto" owned by the additional "insured" or applicable to this Coverage Part. by you; or Such amount shall be part of and not in addition (3) When the additional "insured" is also an to the Limits of Insurance shown in the additional "insured" under another liability Declarations applicable to this Coverage Part. policy. Regardless of the number of covered "autos", C. This endorsement will apply only if the "insureds", premiums paid, claims made or "accident" occurs: vehicles involved in the "accident", the most we 1. During the policy period; will pay for the total of all damages and "covered pollution cost or expense" combined 2. Subsequent to the execution of the written resulting from any one "accident" is the Limit of contract or written agreement or the Insurance for Liability Coverage shown in the issuance of the written permit; and Declarations. 3. Prior to the expiration of the period of time B. The following is added to SECTION IV - that the written contract, written agreement BUSINESS AUTO CONDITIONS, Paragraph B. or written permit requires such insurance to General Conditions, subparagraph 5. Other be provided to the additional "insured". Insurance: D. Coverage provided to an additional "insured" will not be broader than coverage provided to any other"insured" under this Coverage Part. ALL OTHER TERMS, CONDITIONS,AND EXCLUSIONS REMAIN UNCHANGED. 461-0478 12 12 Includes copyrighted material of ISO Insurance Services Office. Inc.,with its permission Page 1 of 1 -� Hanover Insurance Group.. AW4J80055501 2301172 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS AUTO COVERAGE BROADENING ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. 1. CANCELLATION EXTENSION d. Any business entity for which you Paragraph A. CANCELLATION 2. b. of the have a financial interest greater COMMON POLICY CONDITIONS is than 50% of the voting stock or replaced with the following: otherwise have a controlling b. 60 days before the effective date interest after the effective date of of cancellation if we cancel for this policy or that is newly any other reason. acquired or formed by you during the term of this policy. SECTION I - COVERED AUTOS The coverage provided by this 2. EMPLOYEE HIRED "AUTOS" provision is afforded until Description Of Covered Auto expiration or termination of Designation Symbols; Symbol 8 is this policy, whichever occurs replaced by the following: earlier. 8 = Hired "Autos" Only - Only those The coverage provided by this "autos" you lease, hire, rent or borrow; provision does not apply to including "autos" your employee hires at any business entity described your direction, for the purpose of in d. above that qualifies as an conducting your business. This does not insured under any other include any "auto" you lease, hire, rent, or automobile liability policy borrow from any of your "employees" or issued to that business entity partners or members of their households. as a named insured or would have been an insured except SECTION II - LIABILITY COVERAGE for the exhaustion of the policy limits or the insolvency 3. BROADENED NAMED INSURED of the insurer. The following is added to the SECTION II - The coverage provided by this LIABILITY COVERAGE, Paragraph 1. Who provision does not apply to Is An Insured provision: "bodily injury" nor "property damage" arising from an accident that occurred prior to your acquiring or forming the business entity described in d. above. Includes copyrighted material of Insurance Services Office, Inc. with its permission, Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) Page 1 of 7 4. EMPLOYEES AS INSUREDS SECTION III - PHYSICAL DAMAGE COVERAGE. The following is added to the SECTION II - LIABILITY COVERAGE, Paragraph 1. Who 7. EXPENSE OF RETURNING A STOLEN Is An Insured provision: "AUTO" and SIGN COVERAGE e. Any employee of yours is an The following is added to SECTION III - "insured" while using a covered PHYSICAL DAMAGE COVERAGE, A.1. "auto" you do not own, hire or COVERAGE: borrow in your business or your personal affairs. d. Expense Of Returning A Stolen "Auto" 5. SUPPLEMENTARY PAYMENTS We will pay for the expense of The following amends SECTION II - returning a covered "auto" to you. LIABILITY COVERAGE, Paragraph 2. Coverage Extensions provision: e. Sign Coverage Paragraph (2) is replaced by the following: We will pay for loss to signs, (2) lip to $2500 for cost of bail bonds murals, paintings or graphics, (including bonds for related traffic as part of equipment, which are law violations) required because displayed on a covered "auto". of an "accident" we cover. We do not have to furnish these bonds. The most we will pay for "loss" in Paragraph (4) is replaced by the following: any one "accident" is the lesserof: (4) All reasonable expenses incurred by the "insured" at our request, 1. The actual cash value of including actual loss of earnings the property as of the up to $500 a day because of time time of the "loss"; or off from work. 2. The cost of repairing or replacing the damaged or 6. AMENDED FELLOW EMPLOYEE stolen property with other EXCLUSION property of like kind and quality; or The following is added to the SECTION II - 3. $2,000. LIABILITY COVERAGE, B. Exclusions Paragraph 5. Fellow Employee exclusion: g, GLASS BREAKAGE DEDUCTIBLE This exclusion does not apply if the The following is added to SECTION III - "bodily injury" arises from the use of a PHYSICAL DAMAGE COVERAGE,A. covered "auto" you own or hire. This COVERAGE paragraph 3. Glass Breakage - coverage is excess over any other Hitting a Bird or Animal - Falling Objects collectible insurance or Missiles: Any deductible shown in the Declarations as applicable to the Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) Page 2 of 7 Hanover Insurance Group.. AW4J80055501 2301172 covered "auto" will not apply to glass direction, for the purpose of breakage if such glass is repaired, conducting your business, for a rather than replaced. period of 30 days or less, of like kind and use as the "autos" you 9. TRANSPORTATION EXPENSE own, subject to the following: Paragraph 4. Coverage Extension, of The most we will pay for any one SECTION III - PHYSICAL DAMAGE loss is the lesser of the following: COVERAGE, A. COVERAGE is replaced with the following: a. $50,000 per accident, or b. cash value, or 4. Coverage Extension c. the cost of repair, We will pay up to $50 per day to a minus the deductible equal to the maximum of$1500 for temporary lowest deductible applicable to transportation expense incurred any owned "auto" for that by you because of the total theft of coverage. Any deductible shown a covered "auto" of the private in the Declarations does not apply passenger type. We will pay only to "loss" caused by fire or for those covered "autos" for lightning. Subject to the limit and which you carry either deductible stated above, we will Comprehensive or Specified provide coverage equal to the Causes of Loss Coverage. We will broadest coverage provided to pay for temporary transportation any covered "auto" you own, that expenses incurred during the is applicable to the loss. period beginning 24 hours after the theft and ending, regardless of If the loss arises from an accident the policy s expiration, when the for which you are legally liable covered "auto" is returned to use and the lessor incurs an actual or we pay for its "loss". financial loss from that accident, we will cover the lessor s actual 10. HIRED AUTO PHYSICAL DAMAGE financial loss of use of the hired "auto" for a period of up to seven The following is added to SECTION III - consecutive days from the date of PHYSICAL DAMAGE COVERAGE, A. the accident, subject to a limit of COVERAGE: $1,000 per accident. 5. Hired Auto Physical Damage 11. AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT COVERAGE If hired "autos" are covered "autos" for Liability Coverage and The following is added to SECTION III - if Physical Damage Coverage of PHYSICAL DAMAGE COVERAGE, A. Comprehensive, Specified Causes COVERAGE: of Loss, or Collision is provided under this Coverage Form for any 6. Audio, Visual and Data Electronic "auto" you own, then the Physical Equipment Coverage Damage Coverage(s) provided is extended to "autos" you hire We will pay for "loss" to any without a driver or your employee electronic equipment that receives hires, without a driver, at your Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) Page 3 of 7 or transmits audio, visual or data equipment is permanently signals and that is not designed installed in the covered solely for the reproduction of "auto", and sound. This coverage applies b. Permanently installed only if the equipment is in the opening of the dash permanently installed in the or console normally used covered "auto" at the time of the by the manufacturer for "loss" or the equipment is the installation of a radio. removable from a housing unit which is permanently installed in With respect to coverage herein, the covered auto at the time of the LIMIT OF INSURANCE the "loss", and such equipment is provision of PHYSICAL DAMAGE designed to be solely operated by COVERAGE is replaced by the use of the power from the "auto s" following: electrical system, in or upon the covered "auto", including its 1. The most we will pay for all antennas and other accessories. "loss" to audio, visual or data However , this does not include electronic equipment and any tapes, records or discs. accessories used with this equipment as a result of any The exclusions that apply to one "accident" is the lesser of PHYSICAL DAMAGE COVERAGE, except for the exclusion relating to a. The actual cash value of Audio, Visual and Data Electronic the damaged or stolen Equipment, also apply to coverage property as of the time of provided herein. In addition, the the "loss"; or following exclusions apply: b. The cost of repairing or replacing the damaged or We will not pay , under this stolen property with other coverage, for either any electronic property of like kind and equipment or accessories used quality; or with such electronic equipment c. $500. that is: 2. An adjustment for 1. Necessary for the normal depreciation and physical operation of the covered condition will be made in "auto" or the monitoring of determining actual cash value the covered "autos" at the time of the "loss". operating system; or 3. Deductibles applicable to 2. Both: PHYSICAL DAMAGE COVERAGE, do not apply a. An integral part of the to this Audio, Visual and Data same unit housing any Electronic Equipment sound reproducing Coverage. equipment designed solely for the If there is other coverage provided reproduction of sound if by this policy for audio, visual and the sound reproducing data electronic equipment, the coverage provided herein is Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) Page 4 of 7 Hanover Insurance Group.. AW4J80055501 2301172 excess. However, you may elect covered"auto". If loss is to apply the limit or any portion caused by theft, this thereof of coverage provided number of days is added herein to pay any deductible that to the number of days it is applicable under the provisions takes to locate the covered of the other coverage. "auto" and transport it to a repair shop. 12. RENTAL REIMBURSEMENT and MATERIAL TRANSFER EXPENSE 2. 60 days. The following is added to SECTION III - Our payment is limited to the PHYSICAL DAMAGE COVERAGE, A. lesser of the following amounts: COVERAGE: 1. Necessary and actual 7. Rental Reimbursement and expenses incurred, Material Transfer Expense including loss of use. This coverage provides only those 2. $3000. Physical Damage Coverages where a premium is shown in the This auto rental expense coverage Declarations. It applies only to a does not apply while there are covered "auto" described or spare or reserve "autos" available designated to which the Physical to you for your operations. Damage Coverages apply. If"loss" results from the total theft We will pay for auto rental of a covered "auto" of the private expenses and the expenses, passenger type, we will pay under incurred by you because of"loss" this coverage only that amount of to a covered "auto", to remove your rental reimbursement and transfer your materials and expenses which is not already equipment from the covered provided for under the SECTION "auto" . Payment applies in III - PHYSICAL DAMAGE addition to the otherwise COVERAGE, A. 4. Coverage applicable amount of each Extension. coverage you have on a covered "auto". No deductibles apply to 13. AIRBAG COVERAGE this coverage. The following is added to SECTION III - We will pay only for those auto PHYSICAL DAMAGE COVERAGE, B. rental expenses incurred during Exclusions, paragraph 3. the policy period beginning 24 hours after the "loss" and ending, The portion of this exclusion relating to regardless of the policy s mechanical or electrical breakdown does expiration, with the lesser of the not apply to the accidental discharge of an following number of days: airbag. This coverage is excess of other collectible insurance or warranty. No 1. The number of days deductible applies to this Airbag reasonably required to Coverage. repair or replace the Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) Page 5 of 7 14. AUTO LOAN PHYSICAL DAMAGE imposed under a lease for excessive use, EXTENSION abnormal wear and tear or high mileage; security deposits not refunded by the The following is added to SECTION III - lessor; cost for extended warranties, PHYSICAL DAMAGE COVERAGE, C. Limit Credit Life Insurance, Health, Accident or Of Insurance provision: Disability Insurance purchased with the loan; and carry over balances from When a "loss" results in a total loss to a previous leases. covered auto you own for which a Loss Payee is designated in this policy, the This coverage applies only to the initial most we will pay for "loss" in any one lease for the covered "auto" which has not "accident" is the greater of: previously been leased. This coverage is excess over all other collectible 1. The actual cash value of the insurance. damaged or stolen property as of the time of the "loss"; or SECTION IV - CONDITIONS 2. The outstanding balance of the 16. DUTIES IN THE EVENT OF ACCIDENT, initial loan, less any amounts for CLAIM, SUIT OR LOSS taxes, overdue payments, overdue payment charges, penalties, The following is added to SECTION IV - interest , any charges for early BUSINESS AUTO CONDITIONS, A. Loss termination of the loan, costs for Conditions, 2. Duties In The Event Of Credit Life Insurance, Health, Accident, Claim, Suit Or Loss: Accident or Disability Insurance purchased with the loan, and d. Knowledge of any "accident", carry-over balances from previous claim, "suit' or "loss" will be loans. deemed knowledge by you when notice of such "accident', 15. AUTO LEASE PHYSICAL DAMAGE claim, "suit' or "loss" has been EXTENSION received by: The following is added to SECTION III - (1) You, if you are an individual; PHYSICAL DAMAGE COVERAGE, C. Limit (2) Any partner or insurance Of Insurance provision: manager if you are a partnership; or If, because of damage, destruction or theft (3) An executive officer or of a covered "auto", which is a long-term insurance manager if you are leased "auto", the lease agreement a corporation. between you and the lessor is terminated, "we" will pay the difference between the 17. BLANKET WAIVER OF SUBROGATION amount paid under paragraph C. LIMIT OF INSURANCE 1. or 2. and the amount due Paragraph 5. Transfer Of Rights Of at the time of"loss" under the terms of Recovery Against Others To Us, SECTION the lease agreement applicable to the IV - BUSINESS AUTO CONDITIONS, A. leased "auto" which you are required to Loss Conditions is replaced by the pay: less any fees to dispose of the auto; following: any overdue payments; financial penalties Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) Page 6 of 7 Hanover Insurance Group.. AW4J80055501 2301172 5. Transfer Of Rights Of Recovery 19. HIRED AUTO -WORLDWIDE Against Others To Us COVERAGE If any person or organization to or The following is added to SECTION IV - for whom we make payment Business Auto Conditions, B. General under this Coverage Form has Conditions, paragraph 7. Policy Period, rights to recover damages from Coverage Territory provision: another, which have not been waived through the execution of e. Outside the coverage territory an "insured contract', written described in a., b., c., and d. agreement, or permit, prior to the above for an "accident' or "loss" "accident" or "loss" giving rise to resulting from the use of a the payment, those rights to covered "auto" you hire, without a recover damages from another driver, or your employee hires are transferred to us. That person without a driver, at your direction, or organization must do for the purpose of conducting your everything necessary to secure business, for a period of 30 days our rights and must do nothing or less, provided the suit is after the "accident' or "loss" to brought within The United States impair them. of America or its territories or possessions. 18. UNINTENTIONAL FAILURE TO DISCLOSE INFORMATION SECTION V - DEFINITIONS The following is added to SECTION IV 20. MENTAL ANGUISH BUSINESS AUTO CONDITIONS. B. General Conditions, paragraph 2. Paragraph C. 'Bodily injury", SECTION V - Concealment, Misrepresentation Or Fraud: DEFINITIONS is replaced by the following: Your unintentional error in disclosing, C. "Bodily injury" means bodily injury, or failure to disclose, any material fact sickness or disease sustained by a existing after the effective date of this person including death or mental Coverage Form shall not prejudice anguish resulting from any of these. your rights under this Coverage Form. However, this provision does not affect our right to collect additional premium or exercise our right of cancellation or nonrenewal. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) Page 7 of 7 ZB4 J822351 01 2301172 POLICY NUMBER2134 J822351 00 COMMERCIAL GENERAL LIABILITY CG 25 03 05 09 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 Projects: all projects 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- eral Aggregate Limit. 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 13 ZB4 J822351 01 2301172 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 13 �-� Hanover insurance Group.. AW4J80055501 2301172 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION TO DESIGNATED ENTITY(S) This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART HANOVER COMMERCIAL FOLLOW FORM EXCESS AND UMBRELLA POLICY COMMERCIAL PROPERTY COVERAGE PART BUSINESS AUTO COVERAGE FORM BUSINESSOWNERS COVERAGE FORM SCHEDULE Name of Designated Entity Mailing Address or Email Address Number g y g Days Notice PER SCHEDULE ON FILE 30 PER SCHEDULE ON FILE (Information required to complete this Schedule, if not shown above, will be shown in the Declarations.) If we cancel this policy for any reason other than nonpayment of premium, we will give written notice of such cancellation to the Designated Entity(s) shown in the Schedule. Such notice may be delivered or sent by any means of our choosing. The notice to the Designated Entity(s) will state the effective date of cancellation. Unless otherwise noted in the Schedule above, such notice will be provided to the Designated Entity(s) no more than the number of days in advance of the effective date of cancellation that we are required to provide to the Named Insured for such cancellation. Such notice of cancellation is solely for the purpose of informing the Designated Entity(s) of the effective date of cancellation and does not grant, alter, or extend any rights or obligations under this policy. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. 401-1235 12 14 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 1 ZB4 J822351 01 2301172 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION to designated ENTITy(s) This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART HANOVER COMMERCIAL FOLLOW FORM EXCESS AND UMBRELLA POLICY COMMERCIAL PROPERTY COVERAGE PART BUSINESS AUTO COVERAGE FORM BUSINESSOWNERS COVERAGE FORM SCHEDULE Name of Designated Entity Mailing Address or Email Address Number Days Notice Per Schedule on File Per Schedule on File 30 111 Main, LLC PO Box 112130 30 Utah Property Management C/O 111 Main, LLC Associates, Salt Lake City, UT 84147-2130 and City Creek Reserve, Inc City of San Diego 1200 Third Ave, Suite 200 30 Its Officers, Officials, Employees, Purchasing and Contracting and Volunteers San Diego, CA 92101-4195 Dickinson Cameron Construction 6180 Innovation Way 30 Company Carlsbad, CA 92009 DPR Construction, a General 5010 Shoreham Place 30 Partnership San Diego, CA 92122 and University of San Diego DPR Construction, a General 5010 Shoreham Place 30 Partnership San Diego, CA 92122 The state of California, the Trustees of the California State University DPR Construction, a General 1450 Veterans Blvd 30 Partnership Redwood City, CA 94063 Hogan Construction 940 N. 1250 W. 30 Centerville, UT 84014-1356 Tanamera Construction 5560 Longley Ln 30 Suite 200 Reno, NV 89511 The Whiting Turner Contracting 6305 Ivy Lane 30 Company Suite 800 Owner, and All Other Entities as Greenbelt, MD 20700 Required by Contract Westland Construction 1411 West 1250 South 30 ATTN-. Insurance Coordinator Suite 200 Orem, UT 85058 401-1235 1214 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 1 of 2 ZB4 J822351 01 2301172 Name of Designated Entity Mailing Address or Email Address Number Days Notice Zions Bancorporation, NA PO Box 25007 30 DBA Zions First National Bank Salt Lake City, UT 84115 (Information required to complete this Schedule, if not shown above, will be shown in the Declarations.) If we cancel this policy for any reason other than nonpayment of premium, we will give written notice of such cancellation to the Designated Entity(s) shown in the Schedule. Such notice may be delivered or sent by any means of our choosing. The notice to the Designated Entity(s)will state the effective date of cancellation. Unless otherwise noted in the Schedule above, such notice will be provided to the Designated Entity(s) no more than the number of days in advance of the effective date of cancellation that we are required to provide to the Named Insured for such cancellation. Such notice of cancellation is solely for the purpose of informing the Designated Entity(s) of the effective date of cancellation and does not grant, alter, or extend any rights or obligations under this policy. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. 401-1235 12 14 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 2 of 2