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HomeMy WebLinkAboutCSG Consultants, Inc.CRr;CONR-01 CRPANf,I FR2 /Asp %�IIO O� CERTIFICATE OF LIABILITY INSURANCE DATE (MMIDD/YYYY) 11/29/2023 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(les) 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 License # OC36861 Alliant Insurance Services, Inc. 560 Mission St 6th FI San Francisco, CA 94105 CONTACT NAME: PHONE FAX AIc, No, Ext : (415) 946-7500 (A(C, No): AIL ADDRESS: INSURERS AFFORDING COVERAGE NAIC # 12/4/2023 INSURER A: General Casualty Co of WI (QBE) 24414 EACH OCCURRENCE $ 1,000,000 INSURED INSURER B: North Pointe Insurance Company 27740 CSG Consultants, Inc. INSURER C: QBE Insurance Corporation 39217 INSURER D: Praetorian Insurance Com any 37257 550 Pilgrim Drive Foster City, CA 94404 INSURERE: INSURER F : AUTOMOBILE X COVERAGES CERTIFICATE NUMRFR- REVISION NIIMRFR! THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE ADDL INSD SUBR WVD POLICY NUMBER POLICY EFF /D POLICY EXP /DD LIMITS A X COMMERCIAL GENERAL LIABILITY CLAIMS -MADE X OCCURCGA1414883 X 12/4/2023 12/4/2024 EACH OCCURRENCE $ 1,000,000 DAMAGE TO RENTED 1,000,000 PREMISES (Ea occurrence) MED EXP (Anyoneperson) 10,000 PERSONAL &ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: POLICY 1 PE a ❑X LOC OTHER: GENERAL AGGREGATE $ 2,000,000 PRODUCTS - COMP/OP AGG $ 2,000,000 $ B AUTOMOBILE X LIABILITY ANY AUTO OWNED SCHEDULED AUTOS ONLY AUTOS// O OS ONLY AR 03 ONLY X 161001088 12/4/2023 12/4/2024 COMBINED SINGLE LIMIT 1,000,000 (Ea accident) $ BODILY INJURY Per person)$ BODILY INJURY Per accident (Pe�accldentDAMAGE $ C X UM13RELLALIAB EXCESS LIAR X OCCUR CLAIMS -MADE 191000608 12/4/2023 12/4/2024 EACH OCCURRENCE 5,000,000 AGGREGATE $ DED X RETENTION $ 10,000 Aggregate $ 5,000,000 D WORKERS COMPENSATION AND EMPLOYERS' LIABILITY YIN OFFICERO/MEMBE�EXCLNER/E ECUTIVE ❑ (Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below N / A 152000753 12/4/2023 12/4/2024 STATUTEI ERH E.L. EACH ACCIDENT $ 1,000,000 E.L. DISEASE - EA EMPLOYEE $ 1'000'000 E.L. DISEASE - POLICY LIMIT $ 1,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS / VEHICLES (ACORD 101 Additional Remarks Schedule, may be attached if more space is required) Re: Professional Services Agreement The Town of Los Altos Hills, its elective and appointed officers, employees and volunteers are included as additional insureds on GL & Auto with 30 Day Notice of Cancellation per attached. 30 Day Notice of Cancellation on Professional per attached. 30 Day Noticte of Cancellation is not available on WC. CERTIFICATE HOLDER CANCEI_I_ATION ACORD 25 (2016103) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Town of Los Altos Hills THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. 26379 Fremont Road Los Altos Hills, CA 94022 AUTHORIZED REPRESENTATIVE ACORD 25 (2016103) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD Policy Number: CGA1414883 COMMERCIAL GENERAL LIABILITY CG 82 24 0512 PREMIER GENERAL LIABILITY COVERAGE EXTENSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM A. REASONABLE FORCE g. Aircraft, Auto Or Watercraft Paragraph 2.a. Expected or Intended Injury under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY of SECTION I — COVERAGES within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: a. Expected or Intended Injury "Bodily injury" or "property damage" expected or intended from the standpoint of the in- sured. This exclusion does not apply to "bodi- ly injury" or "property damage" resulting from the use of reasonable force to protect any person or property. B. CONTRACTUAL LIABILITY Paragraph 2.b. Contractual Liability under COVERAGE A. BODILY INJURY AND PROP- ERTY DAMAGE LIABILITY of SECTION I — COVERAGES within the COMMERCIAL GEN- ERAL LIABILITY COVERAGE FORM is replaced by: b. Contractual Liability "Bodily injury" or "property damage" for which the insured is obligated to pay damages by reason of the assumption of liability in a con- tract or agreement. This exclusion does not apply to liability for damages: (1) That the insured would have had in the absence of the contract or agreement; or (2) Assumed in a contract or agreement that is an "insured contract", provided the "bodily injury" -or "property damage" oc- curs subsequent to the execution of the contract or agreement. (2) A watercraft you do not own that is: (a) less than 75 feet long; and (b) Not being used to carry persons or property for a charge. D. ELECTRONIC DATA LIABILITY 1. Paragraph 2.p. Electronic Data under COV- ERAGEA. BODILY INJURY AND PROPERTY DAMAGE LIABILITY of SECTION I — COV- ERAGES within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: p. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate "elec- tronic data" that does not result from physical injury to tangible property. However, this exclusion does not apply to liability for damages because of "bodily injury". 2. The following definition is added to SEC- TION V — DEFINITIONS: "Electronic data" means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, hard or floppy disks, CD-ROMS, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. 3. For purposes of the coverage provided for "Electronic Data", Paragraph 17. in SEC- TION V — DEFINITIONS is replaced by: 17. "Property damage" means: C. NON OWNED WATERCRAFT a. Physical injury to tangible property, Paragraph 2.g.(2) in the Aircraft, Auto Or Wa- including all resulting loss of use of tercraft exclusion under COVERAGE A. BODILY that property. All such loss of use INJURY AND PROPERTY DAMAGE LIABILITY shall be deemed to occur at the time of SECTION I — COVERAGES within the COM- of the physical injury that caused it; or MERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: Includes copyrighted material of Insurance Services Office, Inc., CG 82 24 0512 with its permission. Page 1 of 6 Policy Number: CGA1414883 b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the 'occurrence" that caused it; or c. Loss of, loss of use of, damage to, corruption of, inability to access, or inability to properly manipulate "elec- tronic data", resulting from physical injury to tangible property. All such loss of "electronic data" shall be deemed to occur at the time of the "occurrence" that caused it. For purposes of this insurance, "electron- ic data" is not tangible property. . E. DAMAGE TO PREMISES RENTED TO YOU 1. The last paragraph after the listed exclusions under COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY of SEC- TION I — COVERAGES within the COM- MERCIAL GENERAL LIABILITY COVER- AGE FORM is replaced by: Exclusions c. through n. do not apply to "property damage" by fire; smoke from a "hostile fire"; explosion; lightning; smoke re- sulting from such explosion or lightning; colli- sion by "mobile equipment" or leakage from fire protection systems to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as de- scribed in SECTION III — LIMITS OF IN- SURANCE. 2. Paragraph 6. of SECTION III — LIMITS OF INSURANCE within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: 6. Subject to Paragraph S. above, the Dam- age To Premises Rented To You Limit is the most we will pay in any one event un- der COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE for damages because of "property damage" from fire; smoke from a "hostile fire"; explosion; lightning; smoke resulting from such ex- plosion or lightning;- collision by "mobile equipment" or leakage from fire protection systems to premises while rented to you or temporarily occupied by you with per- mission of the owner. F. M EDI CAL PAYMENTS Insuring Agreement a. We will pay medical expenses as de- scribed below for "bodily injury" caused by an accident: (1) On premises you own or rent; (2) On ways next to premises you own or rent; or (3) Because of your operations: Provided that: (a) The accident takes place in the "coverage territory" and during the policy period; (b) The expenses are incurred and reported to us within three years of the date of the accident; and (c) The injured person submits to examination, at our expense, by physicians of our choice as often as we reasonable require. G. SUPPLEMENTARY PAYMENTS SUPPLEMENTARY PAYMENTS — COVERAG- ES A AND B of SECTION I COVERAGES within the COMMERCIAL GENERAL LIABILITY COV- ERAGE FORM is replaced by: 1. We will pay, with respect to any claim we investigate or settle, or any "suit" against an insured we defend: a. Ali expenses we incur. b. Up to $5,000 for cost of bail bonds re- quired because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to fur- nish these bonds. c. The cost of bonds to release attach- ments, but only for bond amounts within the applicable limit of insurance. We do have to furnish these bonds. d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $500 a day because of time off from work. e. All costs taxed against the "insured" in any "suit". 1. Paragraph 1.a. under COVERAGE f. Prejudgment interest awarded against the C. MEDICAL PAYMENTS of SECTION I — insured on that part of the judgment we COVERAGES within the COMMERCIAL pay. If we make an offer to pay the appli- GENERAL LIABILITY COVERAGE FORM is cable limit of insurance, we will not.pay replaced by: any prejudgment interest based on that period of time after the offer. Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 6 with its permission. CG 82 24 0512 Policy Number: CGA1414883 g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, of- fered to pay, or deposited in court the part of the judgment that is within the applica- ble limit of insurance. These payments will not reduce the limits of insurance. 2. If we defend an insured against a "suit" and an indemnitee of the insured is also named as a party to the "suit", we will defend that indem- nitee if all of the following conditions are met: a. The "suit" against the indemnitee seeks damages for which the insured has as- sumed the liability of the indemnitee in a contract or agreement that is an "insured contract"; b. This insurance applies to such liability as- sumed by the insured; c. The obligation to defend, or the cost of the defense of, that indemnitee, has also been assumed by the insured in the same "insured contract"; d. The allegations in the "suit" and the in- formation we know about the "occur- rence" are such that no conflict appears to exist between the interests of the in- sured and the interests of the indemnitee; e. The indemnitee and the insured ask us to conduct and control the defense of that i n- demnitee against such "suit" and agree that we can assign the same counsel to defend the insured and the indemnitee; and f. The indemnitee: (1) Agrees in writing to: (a) Cooperate with us in the investi- gation, settlement or defense of the "suit"; (b) Immediately send us copies of any demands, notices, sum- monses or legal papers received `in connection with the "suit"; (c) Notify any other insurer whose coverage is available to the in- demnitee; and (d) Cooperate with us with respect to coordinating other applicable insurance available to the in- demnitee; and (2) Provides us with written authoriza- tion to: (a) Obtain records and other infor- mation related to the "suit"; and (b) Conduct and control the defense of the indemnitee in such "suit". Our obligation to defend an insured's in- demnitee and to pay for attorneys' fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of in- surance in the payment of judgments or settlements or the conditions set forth above, or the terms of the agreement de- scribed in Paragraph f. above, are no longer met. H. FELLOW EMPLOYEE COVERAGE — SUPERVISOR OR HIGHER Paragraph 2.a.(1) of SECTION II — WHO IS AN INSURED within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM does not apply to the following: Your supervisory or management "employees" for "bodily injury" only. Damages owed to an injured co -"employee" or "volunteer worker" will be reduced by any amount paid or available to the injured co -"employee" or "volunteer worker" under any other valid and collectible insurance. I. NEWLY ACQUIRED ORGANIZATIONS Paragraph 3.a. of SECTION II — WHO IS AN INSURED within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: a. Coverage underthis provision is afforded only until the'end of the current policy period. J. BROAD FORM NAMED INSURED The following is added to SECTION II —WHO IS AN INSURED within the COMMERCIAL GEN- ERAL LIABILITY COVERAGE FORM: Throughout this policy the words "you" and "your" refer to any corporation or other business organi- zation, other than ajoint venture, in which the first Named Insured has or acquires during the policy period an ownership interest of more than 50% and is subject to the management control of the first Named Insured or its subsidiaries, and which is domiciled within the United States of America or its territories or possessions. K. AMENDMENT OF AGGREGATE LIMIT OF INSURANCE The General Aggregate Limit Of Insurance refer- enced in Paragraph 2. of SECTION III — LIMITS OF INSURANCE within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM applies separately to: 1. Each of your "locations" owned by or rented to you; and Includes (copyrighted material of Insurance Services Office, Inc., CG 82 24 0512 with its permission. Page 3 of 6 Policy Number: CGA1414883 2. Each of your projects away from premises owned by or rented to you. "Location" means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad. L. KNOWLEDGE OF OCCURRENCE The following is added to Paragraph 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit of SECTION IV— COMMERCIAL GENERAL LIABILITY CONDITIONS within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM: Knowledge of an "occurrence", offense, claim or "suit" by your agent, servant or "employee" shall not be considered knowledge by you unless you, your insurance manager or any other person you designate has received notice of the "occur- rence", offense, claim or "suit" from your agent, servant, or "employee." M. OTHER INSURANCE Paragraph 4.b.(1)(a) in the Other Insurance condition of SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS within the COMMERCIAL GENERAL LIABILITY COVER- AGE FORM is replaced by: 4. Other Insurance b. Excess Insurance (1) This insurance is excess over: (a) any of the other insurance, whether primary, excess, contin- gent or on any other basis: (i) That is Fire, Extended Cov- erage, owerage, Builders Risk; Installa- tion Risk or similar coverage for "your work"; (ii) That is insurance covering Fire; smoke from a "hostile fire"; explosion; lightning; smoke resulting from such explosion or lightning; colli- sion by "mobile equipment" or leakage from fire protec- tion systems for premises while rented to you or tempo- rarily occupied by you with permission of the owner; or (III)That is insurance to cover your liability as a tenant for "proper- ty damage" to premises while rented to you or temporarily occupied by you with permis- sion of the owner; or (iv) If the loss arises out of the maintenance or use of aircraft, "autos", or watercraft to the extent not subject to Para- graph 2.g. Aircraft, Auto Or Watercraft under COVER- AGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY of SECTION I – COVERAGES within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM. N. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS The following is added to Paragraph 6. Representations of SECTION IV — COM- MERCIAL GENERAL LIABILITY CONDITIONS within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM: Any unintentional failure to disclose all exposures or hazards existing as of the effective date of the Commercial General Liability Coverage Form or at any time during the policy period will not invalk date or adversely affect the coverage for such exposure or hazard. However, you must report the undisclosed exposure or hazard to us as soon as reasonably possible after the exposure or hazard is discovered. 0. WAIVER OF SUBROGATION The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS within the COMMER- CIAL GENERAL LIABILITY COVERAGE FORM: This condition does not apply to any person or organization to which you waived this condition by written contract or agreement, but only to the extent that subrogation is waived prior to the "bodily injury" or "property damage" under a contract with that person or organization. P. LIMITED WORLDWIDE LIABILITY COVERAGE The following is added to SECTION IV — CON- DITIONS within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM: Includes copyrighted material of Insurance Services Office, Inc., Page 4 of 6 with its permission. CG 82 24 0512 Policy Number: CGA1414883 Expanded Coverage Territory 1. If a "suit" is brought in a part of the "coverage territory" that is outside the United States of America (including its territories and posses- sions), Puerto Rico or Canada, and we are prevented by law, or otherwise, from defend- ing the insured, the insured will initiate a de- fense of the "suit". We will reimburse the in- sured, under Supplementary Payments, for any reasonable and necessary expenses in- curred for the defense of a "suit" seeking damages to which this, insurance applies, that we would have paid had we been able to ex- ercise our right and duty to defend. If the insured becomes legally obligated to pay sums because of damages to which this insurance applies in a part of the "coverage territory" that is outside the United States of America (including its territories and posses- sions), Puerto Rico or Canada, and we are prevented by law, or otherwise, from paying such sums on the insured's behalf, we will re- imburse the insured for such sums. 2. All payments or reimbursements we make for damages because of judgments or settle- ments will be made in U.S. currency at the prevailing exchange rate at the time the in- sured became legally obligated to pay such sums. All payments or reimbursements we make for expenses under Supplementary Payments will be made in U.S. currency at the prevailing exchange rate at the time the expenses were incurred. 3. Any disputes between you and us as to whether there, is coverage under this policy must be filed in the courts of the United States of America (including its territories and possessions), Puerto Rico or Canada. 4. The insured must fully maintain any coverage required by law, regulation or other governmen- tal authority during the policy period, except for reduction of the aggregate limits due to pay- ments of claims, Judgments or settlements. Failure to maintain such coverage required by law, regulation or other governmental authori- ty will not invalidate this insurance. However, this insurance will apply as if the required coverage by law, regulation or other govern- mental authority was in full effect. For purposes of this coverage only, the following is added to Paragraph 4.b.(1)(a) under Other Insurance of SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS within the COMMERCIAL GENERAL LIABILITY COVER- AGE FORM: If the insured's liability to pay damages is deter- mined in a "suit" brought outside the United States of America (including its territories and possessions), Puerto Rico or Canada; or That is coverage required by law, regulation or other governmental authority in a part of the "coverage territory" that is outside the United States of America (including its territories and possessions), Puerto Rico or Canada. For purposes of this coverage only, Paragraph 4. of SECTION V — DEFINITIONS within the COMMERCIAL GENERAL LIABILITY COVER- AGE FORM is replaced by: 4. "Coverage territory" means anywhere in the world with the exception of any country or j u- risdiction which is subject to trade or other economic sanction or embargo by the United States of America. Q. BODILY INJURY REDEFINITION Paragraph 3, of SECTION V. — DEFINITIONS within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: 3. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including mental anguish, injury or illness or emotional distress and/or death resulting from any of these at any time. R. INSURED CONTRACT—LEASE OF PREMISES Paragraph 9.a. of SECTION V — DEFINITIONS within the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by: 9. "Insured contract" means: a. a contract for lease of premises. Howev- er, that portion of the contract for a lease of premises that indemnifies any person or organization for "property damage" by fire; smoke from a "hostile fire", explo- sion; lightning; smoke resulting from such explosion or lightning; collision by "mobile equipment" or leakage from fire protection -systems to premises while rented to you or temporarily occupied by you with per- mission of the owner is not an "insured contract". S. LIBERALIZATION If we revise this endorsement to provide more coverage without additional premium charge, your policy will automatically provide the coverage as of the day the revision is effective in your state. Includes copyrighted material of Insurance Seances Office, Inc., CG 82 240512 with its permission. Page 5 of 6 Policy Number: CGA1414883 T. GOOD SAMARITAN SERVICES I. Under SECTION II —WHO IS AN INSURED, paragraph 2.d., the following is added: This exclusion does not apply to your em- ployees or volunteer workers, other than an employed or volunteer physician, rendering "Good Samaritan services". 2. The following definition is added to SECTION V — DEFINITIONS: "Good Samaritan services" means any emer- gency medical services for which no compen- sation is demanded or received. Includes copyrighted material of Insurance Services Office, Inc., Page 6 of 6 with its permission. CG 82 24 0512 Policy Number: CGA1414883 COMMERCIAL GENERAL LIABILITY CG 81 02 08 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTORS BLANKET ADDITIONAL INSURED ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. WHO IS AN INSURED (Section II) is amended to include as an insured any person or organization (called additional insured) whom you are. required to add as an additional insured on this policy under a written contract or written agreement; but the written contract or written agreement 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" or "personal and advertising injury". B. The insurance provided to the additional insured is limited as follows: 1. That person or organization is an additional Insured only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused in whole or in part, by: a. Your acts or omissions; or b. The acts or omissions of those acting on your behalf. in the performance of your operations for the additional insured. 2. The Limits of Insurance applicable to the additional insured are those specified in the written contract or written 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 of Insurance shown in the Declarations. 3. The coverage provided to the additional insured by this endorsement and paragraph f. of the definition of "insured contract" under DEFINITIONS (SECTION V) do not apply to "bodily injury" or "property damage" arising out of the "products -completed operations hazard" unless required by the. written contract or written agreement. 4. The insurance provided to the additional insured does not apply to: "Bodily injury", "property damage"', or "personal and advertising injury" arising out of the rendering of, or failure to render, any professional architectural, engineering or surveying services, including: a. The preparing, approving, or failure to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; and b. Supervisory, inspection, architectural or engineering activities. 5. We have no duty to defend or indemnify an additional insured under this endorsement: a. For any liability due to negligence attributable to any person or entity other than you or those acting on your behalf in the performance of your operations for the additional insured. b. For any loss which occurs prior to our named insured commencing operations at the location of the loss. c. Until we receive written notice of a claim or "suit" from the additional insured as required in the Duties In The Event of Occurrence, Offense Claim or Suit Condition. C. As respects the coverage provided under this endorsement, the COMMERCIAL GENERAL LIABILITY CONDITIONS (SECTION IV) are amended as follows: 1. The following is added to the Duties In The Event of Occurrence, Offense, Claim or Suit Condition: An additional insured under this endorsement will as soon as practicable: Includes copyrighted material of Insurance Services Office Inc., with its permission. CG 81 02 08 05 Copyright, Insurance Services Office, Inc. 2002 Page 1 of 2 Policy Number: CGA1414883 (1) Give written notice of an occurrence or an offense to us which may result in a claim or "suit" under this insurance; (2) Agree to trigger or activate any other insurance which the additional Insured has, which is primary, for a loss we cover under this Coverage Part by tendering the defense to the insurers of all such other insurance. 2. As respects the coverage provided under this endorsement, Paragraph 4.b. of the Other Insurance Condition is deleted and replaced by the following: 4. Other Insurance b. Excess Insurance This insurance is excess over any other insurance naming the additional insured as an insured whether primary, excess, contingent or on any other basis unless the written contract or agreement described in A. above specifically requires that this insurance be provided on either a primary basis or a primary and noncontributory basis. Includes copyrighted material of Insurance Services Office Inc., with its permission. Page 2 of 2 Copyright, Insurance Services Office, Inc. 2002 CG 81 02 08 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL AUTOMOBILE ENHANCEMENT Name of Insured: CSG Consultants, Inc. Policy Number: 161001088 Endorsement Number: Effective Date of Endorsement: 12/4/2023 Name of Insurer: North Pointe Insurance Company This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM PRELIMINARY STATEMENT — This endorsement broadens coverage provided under the Coverage Form. However, further limitations and exclusions may apply to these coverages. Read all provisions of this endorsement and the entire policy carefully to determine all rights, duties, coverages and limitations provided. A. BROADENED WHO IS AN INSURED B. NEWLY ACQUIRED OR FORMED ORGANIZATIONS C. LIABILITY COVERAGE EXTENSIONS SUPPLEMENTARY PAYMENTS D. FELLOW EMPLOYEE COVERAGE E. POLLUTION LIABILITY — BROADENED COVERAGE FOR COVERED AUTOS F. EXTENDED TOWING G. PHYSICAL DAMAGE COVERAGE EXTENSIONS H. RENTAL REIMBURSEMENT I. AIRBAG COVERAGE J. AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT K. TAPES, RECORDS AND DISCS COVERAGE L. PHYSICAL DAMAGE DEDUCTIBLE — SINGLE DEDUCTIBLE AND GLASS REPAIR M. PERSONAL EFFECTS COVERAGE N. LOAN/LEASE PAYOFF COVERAGE O. CUSTOM SIGNS AND DECORATIONS, P. HIRED AUTO PHYSICAL DAMAGE Q. EXTENDED EMPLOYEE HIRED AUTO PHYSICAL DAMAGE R. EXTRA EXPENSE — STOLEN AUTOS S. PARKED AUTO COLLISION WAIVER OF DEDUCTIBLE T. DUTIES IN THE EVENT OF ACCIDENT, CLAIM, SUIT OR LOSS U. WAIVER OF SUBROGATION V. CANCELLATION CONDITION W. UNINTENTIONAL FAILURE TO DISCLOSE HAZARD'S X. POLICY PERIOD, COVERAGE TERRITORY Y. DEFINITION OF BODILY INJURY AMENDED © QBE., 2020 Includes copyrighted material of Insurance Services Office, Inc., CA -BA -2003 (12-20) with its permission. Page 1 of 6 PROVISIONS A. BROADENED WHO IS AN INSURED C. LIABILITY COVERAGE EXTENSIONS SECTION If — COVERED AUTOS LIABILITY SUPPLEMENTARY PAYMENTS COVERAGE, A. Coverage, 1. Who Is An SECTION II — COVERED AUTOS LIABILITY Insured is amended by the addition of the COVERAGE, A. Coverage, 2. Coverage following: Extensions, a. Supplementary Payments, Employees As Insureds Paragraphs (2) and (4) are replaced by the following: Any "employee" of yours is an "insured" while using a covered "auto" you don't own, hire or (2) Up to $5,000 for the cost of bail bonds borrow in your business or your personal affairs. (including bonds for related traffic law Employee Hired Auto violations) required because of an "accident" we cover. We do not have to furnish these Any "employee" of yours is an "insured" while bonds. using an "auto" hired or rented under a contract (4) All reasonable expenses incurred by the or agreement in that "employee's" name, with "insured" at our request, including actual loss your permission, while performing duties related of earnings up to $500 a day because of time to the conduct of your business. off from work. Additional Insured By Written Contract D. FELLOW EMPLOYEE COVERAGE Any person or organization to whom you are SECTION II — COVERED AUTOS LIABILITY required by a written contract or agreement to COVERAGE B. Exclusions,5. Fellow provide additional insured status is an "insured" Employee does not apply if the"bodily injury" under Covered Autos Liability Coverage, but only results from the use of a covered "auto" you own to the extent that person or organization qualifies or hire that is not a bus, motorcycle or van used as an insured under Section II.A.1. Who Is An to transport "employees". Insured of this Coverage Form. The written contract or agreement must be in effect during the This Fellow Employee Coverage is excess over policy period shown in the Declarations and must any other collectible insurance. have been executed prior to the "bodily injury" or E. POLLUTION LIABILITY — BROADENED "property damage". COVERAGE FOR COVERED AUTOS B. NEWLY ACQUIRED OR FORMED 1. SECTION If – COVERED AUTOS ORGANIZATIONS LIABILITY COVERAGE, B. Exclusions is Throughout this policy, the words "you" and "your" amended as follows: also refer to any subsidiary organization you newly a. 11. Pollution, Paragraph a. applies only acquire or form and over which you maintain 50% to liability assumed under a contract or or more ownership interest, but only if there is no agreement. similar insurance available to that organization. b. With respect to the coverage afforded by However: Paragraph 1.a. above, 6. Care, Custody 1. "Insured" does not include any subsidiary Or Control does not apply. organization where similar insurance is 2. Changes in Definitions unavailable because the organization has For the purposes of this endorsement, exhausted that policy's limits of insurance or SECTION V — DEFINITIONS, Paragraph D. the other carrier has become insolvent. is replaced by the following: 2. The coverage does not apply to an "accident" D. "Covered pollution cost or expense" which occurred prior to your acquisition or means any cost or expense arising out formation of the organization. of: 3. Unless you notify us to add coverage to your 1. Any request, demand, order or policy, the coverage_ under this provision is statutory or regulatory requirement afforded only until: that any "insured" or others test for, a. The 180th day after you acquire or form monitor, clean up, remove, contain, the organization, or treat, detoxify or neutralize, or in any b: The end of the policy period, whichever way respond to, or assess the effects is earlier. of "pollutants'; or © QBE, 2020 Includes copyrighted material of Insurance Services Office, Inc., CA -BA -2003 (12-20) with its permission. Page 2 of 6 2. Any claim or "suit" by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to or assessing the effects of "pollutants". "Covered pollution cost or expense" does not include any cost or expense arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": a. Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the "insured" for movement into or onto the covered "auto'; or b. After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto" to the place where they are finally delivered, disposed of or abandoned by the "insured". Paragraphs a. and b. above do not apply to "accidents" that occur away from premises owned by or rented to an "insured" with respect to "pollutants" not in or upon a covered "auto" if: (1) The "pollutants" or any property in which the "pollutants" are contained are upset, overturned or damaged as a result of the maintenance or use of a covered "auto"; and (2) The discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused directly by such upset, overturn or damage. This Pollution Liability Coverage is subject to an Annual Aggregate Limit of Liability of $100,000. F. EXTENDED TOWING SECTION III — PHYSICAL DAMAGE COVERAGE, A. Coverage, 2. Towing And Labor is_reblaced_by the following: 2. Extended Towing And Labor We will pay for towing and labor costs each time a covered "auto" is disabled. All labor must be performed at the place of disablement. The most we will pay under this Extended Towing coverage is $750 per occurrence. No deductible applies to this coverage. G. PHYSICAL DAMAGE COVERAGE EXTENSIONS SECTION III — PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions is amended as follows: a. Transportation Expenses The amount we will pay for temporary transportation expense is increased to $75 per day to a maximum of $3,000. b. Loss of Use Expenses The amount we will pay for loss of use is increased to $75 per day and to a maximum limit of $1,000. H. RENTAL REIMBURSEMENT 1. This coverage applies only to a covered "auto" described or designated in the Schedule or in the Declarations as carrying physical damage coverage. 2. We will pay for rental reimbursement expenses incurred by you for the rental of an "auto" because of "loss" to a covered "auto". Payment applies in addition to the otherwise applicable amount of coverage you have on each covered "auto". 3. We will pay only for those expenses incurred during the policy period beginning 24 hours after the "loss" and ending, regardless of the policy's expiration, with the lesser of the following number of days: a. The number of days reasonably required to repair or replace the covered "auto". If "loss" is caused by theft, this number of days is added to the number of days it takes to locate the covered "auto" and return it to you; or b. 30 days. 4. Our payment is limited to the lesser of the following amounts: a. Necessary and actual expenses incurred; or b. $75 per day 5. This coverage does not apply while there are spare or reserve "autos" available to you for your operations. 6. If "loss" results from the total theft of a covered "auto" of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided for a © QBE., 2020 Includes copyrighted materia[ of Insurance Services Office, Inc., CA -BA -2003 (12-20) with its permission. Page 3 of 6 under SECTION III — PHYSICAL DAMAGE COVERAGE in Paragraph AA. Coverage Extensions. No deductible applies to this coverage. I. AIRBAG COVERAGE SECTION III — PHYSICAL DAMAGE COVERAGE, B. Exclusions, Paragraph 3.a. is amended by the addition of the following: M. This exclusion does not apply to the unintended discharge of an airbag. J. AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT SECTION III – PHYSICAL DAMAGE COVERAGE is amended as follows: 1. C. Limits Of Insurance, Paragraph 1.b. is amended as follows: The $1,000 limit is increased to $1,500. 2. D. Deductible does not apply to coverage provided in C. Limits Of Insurance, Paragraph 1.b. K. TAPES, RECORDS AND DISCS COVERAGE SECTION III — PHYSICAL DAMAGE COVERAGE, B. Exclusions, Paragraph 4.a. is replaced by the following: a. Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment except when the tapes, records, discs or other similar audio, visual or data electronic devices: (1) Are your property or that of a family member, and (2) Are in a covered "auto" at the time of "loss". The most we will pay for 'loss" under this Tapes, Records and Discs Coverage is $200. No Physical Damage Coverage deductible applies to this coverage. L. PHYSICAL DAMAGE DEDUCTIBLE — SINGLE DEDUCTIBLE AND GLASS REPAIR SECTION III PHYSICAL DAMAGE COVERAGE, D. Deductible is replaced by the following: D. Deductible For each covered "auto", our obligation to pay for, repair, return or replace damaged or stolen property will be reduced by the ___applicable deductible shown in the Declarations prior to the application of the Limit of Insurance. Any Comprehensive Coverage deductible shown in the Declarations does not apply to 'loss" caused by fire or lightning. When two or more covered "autos" sustain "loss" in the same occurrence, the total of all the 'loss" for all the involved covered "autos" will be reduced by a single deductible, which will be the largest of all the deductibles applying to all such covered "autos." No deductible applies to glass damage if the glass is repaired rather than replaced. PERSONAL EFFECTS COVERAGE 1. If you purchase Comprehensive Coverage on this policy for a stolen owned "auto", we will pay up to $1,000 for "personal effects" stolen with the "auto". 2. "Personal effects" as used in this extension means tangible property that is worn or carried by the "insured". "Personal effects" does not include tools, jewelry, money, securities, radar or laser detectors, or tapes, records, discs or similar audio, visual or data electronic equipment. No deductible applies to this coverage. The insurance provided by this extension is excess over any other collectible insurance. N. LOAN/LEASE PAYOFF COVERAGE SECTION III — PHYSICAL DAMAGE COVERAGE is amended by the addition of the following: In the event of a total 'loss" to a covered "auto" shown in the Declarations, we will pay any unpaid amount due on the lease or loan for a covered "auto", less: 1. The amount paid under the Physical Damage Coverage Section of the policy; and 2. Any: , a. Overdue lease/loan payments at the time of the 'loss"; b. Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage; c. Security deposits not returned by the lessor; d. Costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance purchased with the loan or lease; and e. Carry-over balances from previous loans or leases. O. CUSTOM SIGNS AND DECORATIONS In the event of a total "loss" to a vehicle insured for auto physical damage coverage on this policy, In addition to the ACV of the vehicle, we will pay the actual cost to repair or replace signage or custom paint details up to $5,000. © QBE., 2020 Includes copyrighted material of Insurance Services Office, Inc., CA -BA -2003 (12-20) with its permission. Page 4 of 6 P. HIRED AUTO PHYSICAL DAMAGE If hired "autos" are covered "autos" for Liability Coverage and if Physical Damage Coverage of Comprehensive, Specified Causes of Loss, or Collision are provided under this Coverage Form for any "auto" you own, then the Physical Damage Coverages provided are extended to "autos" you hire of like kind and use subject to the following limit: The most we will pay for any one "loss" is the lesser of the following: 1. $100,000 per "accident"; 2. Actual Cash Value; or 3. The cost of repair. The deductible will be equal to the largest deductible applicable to any owned "auto" for that coverage. No deductible applies to "loss" caused by fire or lightning. This Hired Auto Physical Damage coverage is excess over any other collectible insurance. Subject to the above limit, deductible and excess provisions, we will provide coverage equal to the broadest coverage applicable to any covered "auto" you own. Q. EXTENDED EMPLOYEE HIRED AUTO PHYSICAL DAMAGE SECTION IV — BUSINESS AUTO CONDITIONS, B. General.Conditions, 5. Other Insurance, Paragraph b. is replaced by the following: b. For Hired Auto Physical Damage Coverage, the following are deemed to be covered "autos" you own: (1) Any covered "auto" you lease, hire, rent or borrow; and (2) The Declarations indicates that Specified Causes of Loss is provided for the stolen covered "auto". However, the most we will pay for any extra expense under this Coverage Extension is $1,000. S. PARKED AUTO COLLISION WAIVER OF DEDUCTIBLE SECTION III – PHYSICAL DAMAGE COVERAGE, Paragraph D. Deductible is amended by the addition of the following: The deductible does not apply to "loss" caused by collision to a covered "auto" of the private passenger type or light weight truck with a maximum gross vehicle weight of 10,000 lbs. or less as defined by the manufacturer while it is: 1. In the charge of an "insured"; 2. Legally parked; and 3. Unoccupied. The "loss" must be reported to the police within 24 hours of known damage. The total amount of the damage to the covered "auto" must exceed the deductible shown in the Declarations. This provision does not apply to any "loss" if the covered "auto" is in the charge of any person or organization in the automobile business. T. DUTIES IN EVENT OF ACCIDENT, CLAIM, SUIT OR LOSS SECTION IV — BUSINESS AUTO CONDITIONS, A. Loss Conditions, 2. Duties In The Event Of Accident, Claim, Suit Or Loss, Paragraph a. is replaced by the following: (2) Any covered "auto" hired or rented by a. In the event of "accident", claim, "suit" or your "employee" under a contract in that "loss", you, your insurance manager or any individual "employee's" name, with your other person you designate must give us or permission, while performing duties our authorized representative prompt notice related to the conduct of your business. of such "accident" or "loss". Include: However, any "auto" that is leased, hired, (1) How, when and where the "accident" or rented or borrowed With a driver is not a "loss" occurred; covered "auto". (2) The "insured's" name and address; and R. EXTRA EXPENSE – STOLEN AUTOS SECTION III – PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions is amended by the addition of the following: Extra Expense – Stolen Autos We will pay the extra expense of returning a stolen covered "auto" to you if: (1) The Declarations . indicates that Comprehensive Coverage is provided for the stolen covered "auto'; or (3) To the extent possible, the names and addresses of any injured persons and witnesses. Knowledge of an "accident", claim, "suit" or "loss" by your agent, servant or "employee" shall not be considered knowledge by you unless you, your insurance manager or any other person you designate has received notice of the "accident", claim, "suit" or "loss" from your agent, servant,. or "employee". © QBE., 2020 Includes copyrighted material of Insurance Services Office, Inc., CA -BA -2003 (12-20) with its permission. Page 5 of 6 U. WAIVER OF SUBROGATION SECTION IV — BUSINESS AUTO CONDITIONS, A. Loss Conditions, 5. Transfer Of Rights Of Recovery Against Others To Us is amended as follows: This condition does not apply to any person or organization to which you waived this condition by written contract or agreement, but only to the extent that subrogation is waived prior to the "accident" or "loss" under a contract with that person or organization. V. CANCELLATION CONDITION Subject to any statute or regulation requiring a longer time period, if we cancel for any reason other than nonpayment of premium, we will mail or deliverto the first Named Insured written notice of cancellation at least 90 days prior to the effective date of cancellation. W. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS SECTION IV — BUSINESS AUTO CONDITIONS, B. General Conditions, 2. Concealment, Misrepresentation Or Fraud is amended by the addition of the following: Any unintentional failure to disclose all exposures or hazards existing as of the effective date of this Coverage Form or at any time during the policy period will not invalidate or adversely affect the coverage for such exposure or hazard. However, you must report the undisclosed exposure or hazard to us as soon as reasonably possible after its discovery. X. POLICY PERIOD, COVERAGE TERRITORY SECTION IV — BUSINESS AUTO CONDITIONS, B. General Conditions, 7. Policy Period, Coverage Territory is replaced by: 7. Policy Period, Coverage Territory Under this Coverage Form, we cover "accidents" and "losses" occurring: a. During the policy period shown in the Declarations; and b. Within the coverage territory. The coverage territory is: (1) The United States of America; (2) The territories and possessions of the United States of America; (3) Puerto Rico; (4) Canada; and (5) Anywhere else in the world if a covered "auto" is leased, hired, rented or borrowed for a period of 30 days or less, provided that the "insured's" responsibility to pay damages is determined in a "suit" on the merits, in the United States of America, the territories and possessions of the United States of America, Puerto Rico or Canada, or in a settlement we agree to. We also cover "loss" to, or "accidents" involving, a covered "auto" while being transported between any of these places. Y. DEFINITION OF BODILY INJURY AMENDED SECTION V — DEFINITIONS, Paragraph C. is replaced the following: C. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including mental anguish, Injury or illness or emotional distress and/or death resulting from any of these at any time. None of the extensions provided under this coverage endorsement apply if coverage is more specifically identified elsewhere in the policy or endorsements, for which a premium charge is made or a higher limit is identified. Under no circumstances is any limit provided under this extension to be combined with a limit provided elsewhere in the policy or endorsements. All other terms and conditions of this policy remain unchanged. © QBE., 2020 Includes copyrighted material of Insurance Services Office, Inc., CA -BA -2003 (12-20) with its permission. Page 6 of 6 Policy Number: 161001088 COMMERCIAL AUTO CA 80 02 05 12 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED BY CONTRACT OR AGREEMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM A. ADDITIONAL INSURED BY CONTRACT OR AGREEMENT Paragraph A.1. Who Is an Insured of SECTION II — LIABILITY COVERAGE is amended to in- clude the following: Any person or organization to whom you become obligated to include as an additional insured un- der this policy, as a result of any contract or agreement you enter into which requires you to furnish insurance to that person or organization of the type provided by this policy, but only with re- spect to liability arising out of your operations or premises owned by or rented to you. However, the insurance provided will not exceed the lesser of: 1. The coverage and/or limits of this policy, or 2. The coverage and/or limits required by said contract or agreement. Includes copyrighted material of Insurance Services Office, Inc., CA 80 02 05 12 with its permission. Page 1 of 1 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 03 13 (Ed. 4-84) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not en- force our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule. Schedule Blanket Waiver of Subrogation as required by written contract. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 12/4/2023 Policy No. 152000753 Insured CSG Consultants, Inc. Insurance Company Praetorian Insurance Company Countersigned by Endorsement No. Premium $ WC 00 03 13 (Ed. 4-84) Copyright 1983 National Council on Compensation Insurance.