The URL can be used to link to this page

Home My WebLink About492047 ALTA PLANNING & DESIGN - INSURANCE CERTIFICATE1 of 8 (TGB00) CERTIFICATE HOLDER © 1988-2010 ACORD CORPORATION. All rights reserved. ACORD 25 (2010/05) AUTHORIZED REPRESENTATIVE CANCELLATION CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) JECT LOC POLICY PRO- GEN'L AGGREGATE LIMIT APPLIES PER: CLAIMS-MADE OCCUR COMMERCIAL GENERAL LIABILITY GENERAL LIABILITY PREMISES (Ea occurrence) $ DAMAGE TO RENTED EACH OCCURRENCE $ MED EXP (Any one person) $ PERSONAL & ADV INJURY $ GENERAL AGGREGATE $ PRODUCTS - COMP/OP AGG $ DED RETENTION $ CLAIMS-MADE OCCUR $ AGGREGATE $ UMBRELLA LIAB EACH OCCURRENCE $ EXCESS LIAB DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (Attach ACORD 101, Additional Remarks Schedule, if more space is required) INSR LTR TYPE OF INSURANCE POLICY NUMBER POLICY EFF (MM/DD/YYYY) POLICY EXP (MM/DD/YYYY) LIMITS WC STATU- TORY LIMITS OTH- ER E.L. EACH ACCIDENT E.L. DISEASE - EA EMPLOYEE E.L. DISEASE - POLICY LIMIT $ $ $ ANY PROPRIETOR/PARTNER/EXECUTIVE If yes, describe under DESCRIPTION OF OPERATIONS below (Mandatory in NH) OFFICER/MEMBER EXCLUDED? WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N AUTOMOBILE LIABILITY ANY AUTO ALL OWNED SCHEDULED HIRED AUTOS NON-OWNED AUTOS AUTOS AUTOS COMBINED SINGLE LIMIT BODILY INJURY (Per person) 2 of 8 (TGB00) Page 14 of 21 HG 00 01 09 16 (2) "Bodily injury" or "property damage" included within the "products-completed operations hazard". f. Any Other Party Any other person or organization who is not an additional insured under Paragraphs a. through e. above, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (1) In the performance of your ongoing operations; (2) In connection with your premises owned by or rented to you; or (3) In connection with "your work" and included within the "products-completed operations hazard", but only if (a) The written contract or agreement requires you to provide such coverage to such additional insured; and (b) This Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products- completed operations hazard". However: (1) The insurance afforded to such additional insured only applies to the extent permitted by law; and (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. With respect to the insurance afforded to these additional insureds, this insurance does not apply to: "Bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of, or the failure to render, any professional architectural, engineering or surveying services, including: (1) The preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (2) Supervisory, inspection, architectural or engineering activities. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property 3 of 8 (TGB00) 3DJH RI +* 7KH LQVXUDQFH DIIRUGHG KHUHLQ IRU DQ\ VXEVLGLDU\ QRW QDPHG LQ WKLV &RYHUDJH 3DUW DV D QDPHG LQVXUHG GRHV QRW DSSO\ WR LQMXU\ RU GDPDJH ZLWK UHVSHFW WR ZKLFK VXFK LQVXUHG LV DOVR D QDPHG LQVXUHG XQGHU DQRWKHU SROLF\ RU ZRXOG EH D QDPHG LQVXUHG XQGHU VXFK SROLF\ EXW IRU LWV WHUPLQDWLRQ RU WKH H[KDXVWLRQ RI LWV OLPLWV RI LQVXUDQFH 1HZO\ $FTXLUHG 2U )RUPHG 2UJDQL]DWLRQ $Q\ RUJDQL]DWLRQ \RX QHZO\ DFTXLUH RU IRUP RWKHU WKDQ D SDUWQHUVKLS MRLQW YHQWXUH RU OLPLWHG OLDELOLW\ FRPSDQ\ DQG RYHU ZKLFK \RX PDLQWDLQ ILQDQFLDO LQWHUHVW RI PRUH WKDQ RI WKH YRWLQJ VWRFN ZLOO TXDOLI\ DV D 1DPHG ,QVXUHG LI WKHUH LV QR RWKHU VLPLODU LQVXUDQFH DYDLODEOH WR WKDW RUJDQL]DWLRQ +RZHYHU D &RYHUDJH XQGHU WKLV SURYLVLRQ LV DIIRUGHG RQO\ XQWLO WKH WK GD\ DIWHU \RX DFTXLUH RU IRUP WKH RUJDQL]DWLRQ RU WKH HQG RI WKH SROLF\ SHULRG ZKLFKHYHU LV HDUOLHU E &RYHUDJH $ GRHV QRW DSSO\ WR ERGLO\ LQMXU\ RU SURSHUW\ GDPDJH WKDW RFFXUUHG EHIRUH \RX DFTXLUHG RU IRUPHG WKH RUJDQL]DWLRQ DQG F &RYHUDJH % GRHV QRW DSSO\ WR SHUVRQDO DQG DGYHUWLVLQJ LQMXU\ DULVLQJ RXW RI DQ RIIHQVH FRPPLWWHG EHIRUH \RX DFTXLUHG RU IRUPHG WKH RUJDQL]DWLRQ 1RQRZQHG :DWHUFUDIW :LWK UHVSHFW WR ZDWHUFUDIW \RX GR QRW RZQ WKDW LV OHVV WKDQ IHHW ORQJ DQG LV QRW EHLQJ XVHG WR FDUU\ SHUVRQV IRU D FKDUJH DQ\ SHUVRQ LV DQ LQVXUHG ZKLOH RSHUDWLQJ VXFK ZDWHUFUDIW ZLWK \RXU SHUPLVVLRQ $Q\ RWKHU SHUVRQ RU RUJDQL]DWLRQ UHVSRQVLEOH IRU WKH FRQGXFW RI VXFK SHUVRQ LV DOVR DQ LQVXUHG EXW RQO\ ZLWK UHVSHFW WR OLDELOLW\ DULVLQJ RXW RI WKH RSHUDWLRQ RI WKH ZDWHUFUDIW DQG RQO\ LI QR RWKHU LQVXUDQFH RI DQ\ NLQG LV DYDLODEOH WR WKDW SHUVRQ RU RUJDQL]DWLRQ IRU WKLV OLDELOLW\ +RZHYHU QR SHUVRQ RU RUJDQL]DWLRQ LV DQ LQVXUHG ZLWK UHVSHFW WR D %RGLO\ LQMXU\ WR D FRHPSOR\HH RI WKH SHUVRQ RSHUDWLQJ WKH ZDWHUFUDIW RU E 3URSHUW\ GDPDJH WR SURSHUW\ RZQHG E\ UHQWHG WR LQ WKH FKDUJH RI RU RFFXSLHG E\ \RX RU WKH HPSOR\HU RI DQ\ SHUVRQ ZKR LV DQ LQVXUHG XQGHU WKLV SURYLVLRQ $GGLWLRQDO ,QVXUHGV :KHQ 5HTXLUHG %\ :ULWWHQ &RQWUDFW :ULWWHQ $JUHHPHQW 2U 3HUPLW 7KH IROORZLQJ SHUVRQ V RU RUJDQL]DWLRQ V DUH DQ DGGLWLRQDO LQVXUHG ZKHQ \RX KDYH DJUHHG LQ D ZULWWHQ FRQWUDFW ZULWWHQ DJUHHPHQW RU EHFDXVH RI D SHUPLW LVVXHG E\ D VWDWH RU SROLWLFDO VXEGLYLVLRQ WKDW VXFK SHUVRQ RU RUJDQL]DWLRQ EH DGGHG DV DQ DGGLWLRQDO LQVXUHG RQ \RXU SROLF\ SURYLGHG WKH LQMXU\ RU GDPDJH RFFXUV VXEVHTXHQW WR WKH H[HFXWLRQ RI WKH FRQWUDFW RU DJUHHPHQW $ SHUVRQ RU RUJDQL]DWLRQ LV DQ DGGLWLRQDO LQVXUHG 4 of 8 (TGB00) +* 3DJH RI K %RGLO\ LQMXU\ RU SURSHUW\ GDPDJH DULVLQJ RXW RI WKH VROH QHJOLJHQFH RI WKH YHQGRU IRU LWV RZQ DFWV RU RPLVVLRQV RU WKRVH RI LWV HPSOR\HHV RU DQ\RQH HOVH DFWLQJ RQ LWV EHKDOI +RZHYHU WKLV H[FOXVLRQ GRHV QRW DSSO\ WR L 7KH H[FHSWLRQV FRQWDLQHG LQ 6XE SDUDJUDSKV G RU I 5 of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of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of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of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damage", or the offense which caused the "personal and advertising injury", involved the rendering of or the failure to render any professional services by or for you. The limits of insurance that apply to additional insureds is described in Section III – Limits Of Insurance. How this insurance applies when other insurance is available to the additional insured is described in the Other Insurance Condition in Section IV – Commercial General Liability Conditions. No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations. SECTION III – LIMITS OF INSURANCE 1. The Most We Will Pay The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits". 2. General Aggregate Limit The General Aggregate Limit is the most we will pay for the sum of: a. Medical expenses under Coverage C; b. Damages under Coverage A, except damages because of "bodily injury" or "property damage" included in the "products- completed operations hazard"; and c. Damages under Coverage B. 3. Products-Completed Operations Aggregate Limit The Products-Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of "bodily injury" and "property damage" included in the "products- completed operations hazard". 4. Personal And Advertising Injury Limit Subject to 2. above, the Personal and Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all "personal and advertising injury" sustained by any one person or organization. 5. Each Occurrence Limit Subject to 2. or 3. above, whichever applies, the Each Occurrence Limit is the most we will pay for the sum of: a. Damages under Coverage A; and BODILY INJURY (Per accident) PROPERTY DAMAGE $ $ $ $ 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 ADDL WVD SUBR N / A $ $ (Ea accident) (Per accident) 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 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). The ACORD name and logo are registered marks of ACORD COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: INSURED PHONE (A/C, No, Ext): PRODUCER ADDRESS: E-MAIL FAX (A/C, No): CONTACT NAME: NAIC # INSURER A : INSURER B : INSURER C : INSURER D : INSURER E : INSURER F : INSURER(S) AFFORDING COVERAGE SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. 08/31/2018 Parker, Smith & Feek, Inc. 2233 112th Avenue NE Bellevue, WA 98004 425-709-3600 425-709-7460 Hartford Fire Insurance Co. Alta Planning + Design, Inc 711 SE Grand Ave Portland, OR 97214 Hartford Casualty Ins. Co. Continental Casualty Company A X 1,000,000 $0 Deductible 52UUNHB2172 9/1/2018 9/1/2019 300,000 10,000 1,000,000 2,000,000 2,000,000 A 1,000,000 $1,000 Comp/Coll Ded 52UUNHB2172 9/1/2018 9/1/2019 B 7,000,000 7,000,000 10,000 52XHUHB1180 9/1/2018 9/1/2019 B 9/1/2018 9/1/2019 1,000,000 52WEAA6IPB ** Stop Gap Liability WA OH 1,000,000 1,000,000 C Professional Liability MCH114135257 9/1/2018 9/1/2019 $5,000,000 per claim $5,000,000 per aggregate $75,000 per claim deductible Professional Services Agreement. The City of Fort Collins, its officers, agents and employees is additional insured on the general liability policy per the attached endorsements/forms. The City of Fort Collins, Colorado Attn: Tessa Greegor PO Box 580 Fort Collins, CO 80522