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HomeMy WebLinkAboutRedhorse Constructors Inc. 09.26.2022�. CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DDNYYY) 9/2612022 02 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 InterWest Insurance Serv., LLC License #OB01094 P.O. Box 255188 CONTACT PHONE Kafiherine Gordon FAX A/C No Ext): 916-609-8446 A/C, No): AD RIESS: kgordon@iwins.com Sacramento CA 95865-5188 INSURER(S) AFFORDING COVERAGE MAIC # INSURER A : Zurich American Insurance Company 16535 License#: OB01094 INSURED (REDHO-1) Redhorse Constructors Inc. INSURER B.- Depositor Insurance Company 42587 PRODUCTS - COMP/OP AGG $ $ 36 Professional Center Parkway INSURER c LIABILITY ANY AUTO OWNED SCHEDULED AUTOS ONLY AUTOS HIRED X NON -OWNED AUTOS ONLY AUTOS ONLY INSURER D: Y San Rafael CA 94903 INSURER E: 4/6/2023 COMBINED SINGLE LIMIT $ 1,000,000 Ea accident INSURER F: BODILY INJURY (Per person) $ COVERAGES CERTIFICATE NUMBER: 769920862 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUE TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE ADDL INSD SUBR WVD POLICY NUMBER POLICY EFF MM/DD/YYYY POLICY EXP MM/DDIYYYY LIMITS COMMERCIAL GENERAL LIABILITY CLAIMS -MADE F-1OCCUR EACH OCCURRENCE $ DAMAGE TO RENTED PREMISES Ea occurrence $ MED EXP (Any one person) $ PERSONAL & ADV INJURY $ GEN'L AGGREGATE LIMIT APPLIES PER: - F POLICYF-1 PRC LOC JECT OTHER: GENERAL AGGREGATE $ PRODUCTS - COMP/OP AGG $ $ B AUTOMOBILE LIABILITY ANY AUTO OWNED SCHEDULED AUTOS ONLY AUTOS HIRED X NON -OWNED AUTOS ONLY AUTOS ONLY Y Y ACP3029223937 4/6/2022 4/6/2023 COMBINED SINGLE LIMIT $ 1,000,000 Ea accident X BODILY INJURY (Per person) $ BODILY INJURY (Per accident) $ X PROPERTY DAMAGE $ Per accident UMBRELLA LIAB _OCCUR — - -EACH-OCCURRENCE -$ EXCESS LIAB CLAIMS -MADE AGGREGATE $ DED I I RETENTION $ $ A WORKERS COMPENSATION AND EMPLOYERS' LIABILITY YIN ANYPROPRIETOR/PARTNER/EXECUTIVE OFFICE RIM EMBER EXCLUDE, D? � (Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below NIA Y WC218687019 10/1/2022 10/1/2023 XPER O - STATUTE ER 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 / LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. Town of Los Altos Hills 26379 Fremont Road AUTHORIZED REPRESENTATIVE Los Altos Hills CA 94022 ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD COMMERCIAL AUTO AC 70 06 0316 A. EFFECT OF THIS ENDORSEMENT Coverage provided under this policy is modified by the provisions of this endorsement. If there is any conflict between the provisions of this endorsement and the provision(s) of any state - specific endorsement also attached to this poli- cy, then the provision(s) of the state -specific endorsement shall apply instead of the provi- sions of this endorsement that are in conflict, but only to the extent of the conflict, and only to the extent necessary to bring such provisions into conformance with the state requirement(s) contained in the provision(s) of the state -specific endorsement. B. NEWLY ACQUIRED OR FORMED ENTITIES The Named Insured shown in the Declarations is amended to include any organization you newly acquire or form, other than a partnership, joint venture, or limited liability company, and over which you maintain ownership or majority (more than 50%) interest; if there is no other similar in- surance available to that organization. Coverage under this provision is afforded until the 180th day after you acquire or form the organization or the end of the policy period, whichever is later. C. EMPLOYEES AS INSUREDS -- AUTOS The following is added to paragraph A.1. Who Is An Insured of SECTION 11 — COVERED AUTOS LIABILITY COVERAGE: d. Any "employee" of yours is an "insured" while using a covered "auto" you don't own, hire or borrow in your business or your per- sonal affairs. D. ADDITIONAL INSURED BY CONTRACT, PERMIT OR AGREEMENT The following is added to A.1. Who Is An In- sured of SECTION 11 — COVERED AUTOS LIABILITY COVERAGE: Any person or organization that you are re- quired to name as an additional insured in a written contract or agreement that is executed or signed by you prior to a "bodily injury" or "property damage'" occurrence is an "insured" for Covered Auto Liability coverage. How- ever, with respect to covered "autos", such person or organization is an insured only to the extent that person or organization qualifies as an "insured" under A.1. Who is an Insured of SECTION 11 — COVERED AUTOS LIABILITY COVERAGE: If specifically required by the written contract or agreement referenced in the paragraph above, any coverage provided by this endorsement to an additional insured shall be primary and any other valid and collectible insurance avail- able to the additional insured shall be non- contributory with this insurance. If the written contract does not require this coverage to be primary and the additional insured's coverage to be non-contributory, then this insurance will be excess over any other valid and collectible insur- ance available to the additional insured. E. SUPPLEMENTARY PAYMENTS BAIL BONDS Supplementary Payments of SECTION 11 -- COVERED AUTOS LIABILITY COVERAGE is revised as follows: (2) Up to $3,000 for cost of bail bonds (including bonds for related traffic law violations) re- quired because of an "accident" we cover. We do not have to furnish these bonds. F. SUPPLEMENTARY PAYMENTS — LOSS OF EARNINGS Supplementary Payments of SECTION 11 — COVERED AUTOS LIABILITY COVERAGE is revised as follows: (4) All reasonable expenses incurred by the In- sured'" n- sured" at our request, including actual loss of earnings up to $1,000 a day because of time off from work. G. PERSONAL EFFECTS AND PROPERTY OF OTHERS EXTENSION 1. The Care, Custody or Control Exclusion of SECTION 11 — COVERED AUTOS LIABILITY COVERAGE, does not apply to "property dam- age" to property, other than your property, up to an amount not exceeding $500 in any one "acci- dent". Coverage is excess over any other valid and collectible insurance. 2. The following paragraph is added to A.4. Coverage Extensions of SECTION III - PHYSICAL DAMAGE COVERAGE: c. We will pay up to $1,000 for your prop- erty that is lost or damaged as a result of a covered "loss", without applying a deductible. Coverage is excess over any other valid and collectible insur- ance. Page 2 of 7 Includes copyrighted material of Insurance Services Office, Inc. with its permission ACP BAPD30-0-9223937 LJ130 19098 INSURED COPY AC7006031600 0001 AC 70 06 03'16 47 0022314 COMMERCIAL AUTO AC 70 06 03 16 must be caused by a cause of loss listed under item Al of Physical DamageCover- age in this CoverageRa[t Extra Expenses means those expenses you incur toavoid or minimize the suspension ofbusiness and to continue your business operations. 3' Additional Conditions We will not pay for "loss' or expenses caused bvsuspension, |apmeoroancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused bvthe suspension ofyour business, we will cover such "loss" that affects your business income. Wewill not pay under this coverage ifyou donot repair orreplace the covered ^aubz° You must resume all orpart of your business as quickly as possible. If you have other autos you can use toreduce the amount of |000 payable under this oov- arege'you are required touse them. \&ewill pay for expenses you incur to reduce the amount that otherwise would have been payable under this coverage. We -will not pay more than the amount bywhich you ac- tually reduce the business income loss or extra expense incurred. 4. Limit The most we will pay for "loss" arising out of one covered ^ auto" |s $1O.00Oper loss with an annual aggregate of $20'000. Payment applies in addition to the otherwise app|ioa- � o covered auto 5. Definitions a. "Business Income" means the: 1.). Net income (Net profit orloss before income taxes) that would have been earned or incurred if no loss would have occurred; and 2.). Continuing normal operating expenses incurred, including payroll. b. "Period of Restoration" means the period oftime that: 1.). Begins: (a) 24 hours after the time of |oao for Business Income Coverage; or (b) Immediately after the time of loss for Extra Expense Coverage; and 2.) Ends at the earliest of: (a) The time required to resume your normal business opera- tions; or (b) The time that is reasonably necessary to repair or neo|aoa the covered auto with e maxi- mum time period of 180 days. Period of Restoration does not include any increased period required due to the enforcement of any ordinance or |avv that re- quires any insured or others to test for, monitor, clean up, re- rnove, contain '.tneat'_detoxify or neutralize orinany way respond toorassess the effects ofpo/|u- tonto. The expiration date of this policy will not cut short the peri- od ofrestoration. V. TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US The following is added tnthe Transfer Of Rights OfRecovery Against Others ToUs Condition: We waive any right of recovery we may have against any person ororgmnization to the extent required of you by written con- tract executed prior to any ^aocident" be- cause of payments we make for damages under this coverage form. W. NOTICE OF AND KNOWLEDGE OF OCCURRENCE CON[)DlC)N8. Paragraph A is emended as 6. NOTICE C)FAND KNOWLEDGE OF a. Your obligation inthe Duties inthe Event of Accident, Claim, Suit orLoss Condi- tion relative tonotification require- ments applies only when the ^accident" or "loss" is known to: (1) You, ifyou are anindividual; CQ A partner, ifyou are apartnership; CB Amamber ifyou are alimited liability company; or (4) An executive officer or insurance manager, ifyou are a corporation. b. Yourob|iga�oninthe.DuUaainthe- Event ofAccident, Claim, Suit orLoss Condition relative to providing um with documents concerning a claim or it suit 7 will not be Page of 7 Includes copyrightedmaterial ofInsurance Services Office, Inc. with its permission AoPBApDun-0-922oocr LJ130 19098 INSURED COPY Ao7006031600 0001 AC 70 06 03 16 47 0022318 WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY INSURANCE POLICY WC 04 03 06 (Ed. 4-84) Policy No.: WC218687019 Effective, 10/0112022 Insured: Redhorse Constructors Inc. We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce 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.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be 0% of the California workers' compensation pre-mium otherwise due on such remuneration. Schedule Person or Organization Job Description ALL PERSONS AND/OR ORGANIZATIONS THAT ARE REQUIRED BY WRITTEN CONTRACT OR AGREEMENT WITH THE INSURED, EXECUTED PRIOR TO THE ACCIDENT OR LOSS,THAT WAIVER OF SUBROGATION BE PROVIDED UNDER THIS POLICY FOR WORK PERFORMED BY YOU FOR THAT PERSON AND/OR ORGANIZATION. WC 252 (4-84) WC 04 03 06 (Ed. 4-84) Page 1 of 1