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NBS Government Finance Group - Insurance CertficiateNBSGOVE -01 PA3 CERTIFICATE OF LIABILITY INSURANCE DATE (MMI 016 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). PRODUCER (858) 869 -8300 Vanorsdale Insurance Services '6165 Greenwich Drive, Suite 200 San Diego, CA 92122 NAAME: Janet Darby AI N ; Ext ,858- 869 -8300 A/c No): 858$69.$301 E-MAIL ADDRESS: INSURERS AFFORDING COVERAGE NAIC A INSURER A: Hanover Insurance Company 22292 INSURED NBS Government Finance Group 32605 Temecula Parkway, Suite 100 & 101 Temecula, CA 92592 INSURERB:Allmerica Financial Benefit 41840 INSURERC:Gemini Insurance Company 10833 INSURER D: $ 2,00000 INSURER E: DAMAGE TO RENTED PREMISES Ea occurrence INSURER F: COVERAGES CERTIFICATE NUMBER: 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. ILR T TYPE OF�INSURANCE I ry p POLICY NUMBER POLICY /IDm - M / P MDD LIMITS A X COMMERCIAL GENERAL LIABILITY CLAIMS -MADE FK OCCUR OH3A43196302 9/2412016 9/24/2017 EACH OCCURRENCE $ 2,00000 DAMAGE TO RENTED PREMISES Ea occurrence $ 2,000,00 MEDEXP (Anyone person) $ 10,00 PERSONAL & ADV INJURY $ 2,000,00 GEN'L AGGREGATE LIMIT APPLIES PER: X POLICY F7 PRO F7 LOC JECT OTHER GENERAL AGGREGATE $ 4,000,000 PRODUCTS - COMP /OP AGG $ 4,000,00 $ B AUTOMOBILE LIABILITY ANY AUTO ALL OW NED SCHEDULED AUTOS AUTOS HIRED AUTOS NON-OWNED AUTOS AW3A42745802 9/24/2016 9/24/2017 COMBINED SINGLE LIMIT Ea accident $ 1 000,00 � X BODILY INJURY (Per person) $ BODILY INJURY (Per accident) $ PROPERTY DAMAGE Per accident $ A X UMBRELLA LIAB EXCESS LIAB X OCCUR CLAIMS -MADE OH3A43196302 9/24/2016 9/24/2017 EACH OCCURRENCE $ 1,000,00 AGGREGATE $ DIED RETENTION $ $ A WORKERS COMPENSATION AND EMPLOYERS' LIABILITY ANY PROPRIETOR/PARTNERIEXECUTIVE YIN 'ANY EXCLUDED? (Mandatory in NH) If yea, describe under DESCRIPTION OF OPERATIONS below N/A 3A42745703 9/24/2016 9/24/2017 PER X I STATUTE I I ERH. E.L. EACH ACCIDENT $ 1,000,00 E.L. DISEASE - EA EMPLOYEE $ 1,000,00 E.L. DISEASE' - 'POLICY LIMIT $ 1.,000,00 C C Professional Liability Professional Liability VCPLO64726 VCPLO64726 9/24/2016 9/2412016 912412017 9/2412017 Each Wrongful Act $2,000,00 Annual Aggregate $2,000,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) See attached page. City of Gilroy Attn: Mr. Raymond Chin 7351 Rosanna Street Gilroy, CA 95020- UANGtL.LA 1 IUN SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE M 1988 -2014 ACORD CORPORATION- All rieht-c racarvad- ACORD 25 (2014/01) The ACORD name and logo are registered marks of ACORD N DESCRIPTION OF OPERATIONS - NBS Government Finance Group City of Gilroy 32605 Temecula Parkway, Suite 100 & 101 Attn: Mr. Raymond Chin Temecula, CA 92592 7351 Rosanna Street Gilroy, CA 95020- Proof of Insurance Blanket forms apply when required by written contract: GENERAL LIABILITY: Additional Insured -Special Broadening Endt: 391 -1006 06 09 Additional Insured - Completed Operations: 391-1602 12 11 Primary & Non - Contributory: 391-133106 09 Waiver of Subrogation: BP0497 07 02 Additional Insured: 461 -0478 12.12 Primary & Non- Contributory: 461 -0478 12 12 Waiver of Subrogation: 461 -0500 11 13 WORKERS' COMPENSATION: Waiver of Subrogation: WC040306 4-84 *CERTIFICATE ISSUED DUE TO POLICY RENEWAL* OF 1 NBSGOVE -01 PA2 .a411k [ - CERTIFICATE OF LIABILITY INSURANCE �f OAT /17/2D/YYYY) 9/17/2015 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). PRODUCER License # OB23506 (858) 869 -8300 Vanorsdale Insurance Services 6165 Greenwich Drive, Suite 200 San Diego, CA 92122 NA E: Janet Darby HON F�rt,858- 869 -8300 A!c No): 858-869 -8301 JR. E -MAIL ADDRESS: admin @Vanorsdale.com INSURERS AFFORDING COVERAGE NAIC # INSURERA:HanoVer Insurance Company 22292 INSURED NBS Government Finance Group 32605 Temecula Parkway, Suite 100 Temecula, CA 92592 INSURERB:Allmerica Financial Benefit 41840 INSURER c :Gemini Insurance Company 10833 INSURER D: $ 2,00000 INSURER E PREMISES Eaoccumence INSURER F COVERAGES CERTIFICATE NUMBER: 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. ILTR TYPE OF INSURANCE D POLICY NUMBER POLICY EFF MMIDD/YYYY POLICY EXP MM /DD/YYY . LIMITS A X COMMERCIAL GENERAL LIABILITY CLAIMS -MADE OCCUR OH3A43196301 9/24/2015 .9/24/2016 EACH OCCURRENCE $ 2,00000 PREMISES Eaoccumence $ 2,660,00 IVIED EXP (Any one person) $ 10,00 PERSONAL & ADV INJURY $, 2,000,00 GEN'L AGGREGATE LIMIT APPLIES PER: X POLICY 7 jE T F7 LOC OTHER: GENERAL AGGREGATE PRODUCTS - COMP /OP AGG $ 4,000,00 B AUTOMOBILE LIABILITY ANY AUTO ALL OWNED SCHEDULED AUTOS AUTOS NON -OWNED HIRED AUTOS AUTOS AW3A42745801 9/24/2015 9/24/2016 COMBINED SINGLE LIMIT Ea accident - -' $ 1,000,00 X BODILY INJURY (Per person) $ BODILY INJURY (Per accident) $ PROPERTY DAMAGE Per accident $ A X UMBRELLA LIAB EXCESS LIAB X OCCUR CLAIMS -MADE O 9/24/2015 9/24/2016 EACH OCCURRENCE $ 1,000,00 AGGREGATE $ DIED I I RETENTION $ $ A WORKERS COMPENSATION AND EMPLOYERS' LIABILITY ANY PROPRIETOR/PARTNER/EXECUTIVE Y / N OFFICERIMEMBER EXCLUDED? (Mandatory in NH) ❑ If yes, describe under DESCRIPTION OF OPERATIONS below N / A WH3A42745701 9/24/2015 PER 0TH= X STATUTE ER E.L. ., . 1,000,00 E.L. DISEASE - EA EMPLOYEd $ 1,000,00 E.L. DISEASE - POLICY LIMIT__ $ - 1,000,00 C C Professional Liability Professional Liability VCPL0638I32 VCPLO63882 9/24/2015 9/24/2015 9/24/2016 lEach 9/24/2016 Wrongful Act IOWA( Annual Aggregate $2,000,00 DESCRIPTION OF OPERATIONS / LOCATIONS ! VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached If more space is required) See attached page. City of Gilroy Attn: Mr. Raymond Chin 7351 Rosanna Street Gilroy, CA 95020- ACORD 25 (2014/01) SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE' THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE ©1988 -2014 The ACORD name and logo are registered marks of ACORD All rights rpcprvarl PA2 PAGE 1 OF 1 DESCRIPTION OF OPERATIONS - NBS Government Finance Group City of Gilroy 32605 Temecula Parkway, Suite 100 Attn: Mr. Raymond Chin Temecula, CA 92592 7351 Rosanna Street Gilroy, CA 95020- Proof of Insurance Blanket forms apply when required by written contract: GENERAL LIABILITY: Additional Insured - Special Broadening Endt: 391 -1006 06 09 Additional Insured - Completed Operations: 391 -1602 1211 Primary & Non - Contributory: 391 -1331 06 09 Waiver of Subrogation: BP0497 07 02 AUTO: Additional Insured: 461-0478 12 12 Primary & Non- Contributory: 461- 047812 12 Waiver of Subrogation: 461 -0500 11 13 WORKERS' COMPENSATION: Waiver of Subrogation: WC040306 4 -84 "CERTIFICATE ISSUED DUE TO POLICY RENEWAL" POLICY #OH3 A431963 BUSINESSOWNERS LIABILITY SPECIAL BROADENING ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY, This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM SUMMARY OF COVERAGES Limits Page I. Additional insured by Contract, Agreement or Permit 1 2. Additional Insured — Broad Form Vendors 2 3. Alienated Premises 2 4. Bodily Injury Redefined 2 S. Broad Form Property Damage -• Borrowed Equipment, Customers 2 Goods and Use of Elevators has been issued prior to the "bodily injury", 6. Incidental Malpractice (Employed Nurses, EMT's and Paramedics) 3 7. Personal and Advertising Injury — Broad Form 3 8. Product Recall Expense $25,000 Occurrence (2) To any person or organization included as $50,000 Aggregate 3 9. Unintentional Failure to Disclose Hazards 5 10, Unintentional Failure to Notify 5 This endorsement amends coverages provided under the Businessowners Coverage Form through new coverages and broader coverage grants. This coverage is subject to the provisions applicable to the Businessowners Coverage Form, except as provided below. 1. Additional Insured by Contract, Agreement or This insurance applies on a primary basis if Permit that is required by the written contract, Under SECTION 11 — LIABILITY, C. Who Is An agreement or permit. insured. Paragraph 4. is added as follows: b. This provision does not apply: a. Any person or organization for whom you are ( 1) Unless the written contract or written performing operations when you and such agreement has been executed or permit person or organization have agreed in writing has been issued prior to the "bodily injury", in a contract, agreement or permit that such "property damage" or "personal and person or organization be added as an advertising injury "; additional insured on your policy. Such person (2) To any person or organization included as or organization is an additional insured only "bodily an insured by an endorsement issued by with respect to liability for injury ", "property us and made part of this Policy, damage" or "personal and advertising injury" caused, in whole or in part; (3) To any person or organization included as by: an insured under Item 1.a.2, of this (1) Your acts or omissions; or endorsement; (2) The acts or Omissions of those acting on (4) To any lessor of equipment: your behalf, (a) After the equipment lease expires; or but only with respect to; (b) If the "bodily injury„ "property (3) "Your work" for the additional insured(5) at damage" or "personal and advertising the location designated in the contract, Injury" arises but o€ the sole negligence of the lessor; agreement or permit; or (4) Premises you own, rent, lease, control or (5) To any: occupy_ (a) Owners or other interests from whom land has been leased which takes 391 -1006 06 09 Includes copyrighted material of insurance Services Office, Inc, Page 1 of 5 place after the lease for that land expires; or (b) Managers or lessors of premises if: (i) The occurrence takes place after you cease to be a tenant in that premises; .or (Ii) The "bodily injury", "property damage" or "personal and advertising injury" arises out of structural alterations, new construction or demolition operations performed by or on behalf of the manager or lessor; or (6) To "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or the failure to render any professional services. c. Additional insured coverage provided by this provision will not be broader than coverage provided to any other insured. d. All other insuring agreements, exclusions, and conditions of the policy apply. 2. Additional Insured - Broad Form Vendors Under SECTION 11 -- LIABIUTY, C. Who Is An Insured, paragraph 5. is added as follows: S. Any person or organization with whom you agreed, because of a written contract or written agreement to provide insurance, but only with respect to "bodily injury" or "property damage" arising out of `your products" which are distributed or sold in the regular course of the vendor's business. The Insurance afforded the vendor does not apply to: a. "Bodily injury" or "property damage" for Which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to Liability for damages that the vendor would have in the absence of the contract or agreement; h. Any express warranty unauthorized by you; c. Any physical or chemical change in the product made intentionally by the vendor; d. Repackaging, unless unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instruction from the manufacturer, and then repackaged in the original container; e. Any failure to make such inspection, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business in connection with the distribution or sale of the product; f. Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of the product; g. Products which, after distribution or sale by you, have been labeled or relabeled or used as a container, part or ingredient of any thing or substance by or for the vendor; or h. "Bodily injury" or "property damage' arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (1) The exceptions contained in paragraphs 5.d. or 5. f.; or (2) Such inspections, adjustments, test or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. This insurance does not apply to any insured person or organization, from whom you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products. 3, Alienated Premises Under SECTION 6 — LIABILITY, B. Exclusions, paragraph 1.1c.(2) is replaced in its entirety with the following: (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises and occurred from hazards that were known by you, or should have reasonably been known by you, at the time the property was transferred or abandoned. 4. Bodily Injury Redefined Under SECTION 11 — LIABILITY, F. Liabitity and Medical Expenses Definitions, definition 4. is replaced in its entirety by the following: 4. "Bodily injury" means bodily injury, disability, sickness or disease sustained by a person, including death resulting from any of these at any time. "Bodily Injury" includes mental anguish or other mental injury resulting from "bodily injury" 5. Broad Form property Damage — Borrowed Equipment, Customers Goods, Use of Elevators 391 -1006 06 09 Includes copyrighted material of Insurance Services Office, Inc. Page 2 of 5 G. 7 8 a. Under SECTION 11 — LIABILITY, B. Exclusions, paragraph 1,k., the following is added: Paragraph (4) does not apply to "property damage" to borrowed equipment while at a jobsite and not being used to perform operations. Paragraph (3), (4) and (b) do not apply to "property damage" to "customers goods" while on your premises nor to the use of elevators. b. Under SECTION It — LIABILITY, F. Liability and Medical Expenses Definitions, the following additional definition is added: "Customers goods" means property of your customer on your premises for the purpose of being: a. Worked on; or b. Used in your manufacturing process. c. The insurance afforded under this provision Is excess over any other valid and collectible property insurance (including deductible) available to the Insured whether primary, excess, contingent or on any other basis. Incidental Malpractice — Employed Nurses, EMT's and Paramedics Under SECTION If — LIABILITY, C. Who Is An Insured, paragraph 2.a.(1)(d) does not apply to a nurse, emergency medical technician or paramedic employed by you if you are not engaged in the business or occupation of providing medical, paremedleal, surgical, dental, x- ray or nursing services. Personal and Advertising Injury —Broad Form Under SECTION II — LIABILITY, F. Liability and Medical Expenses Definitions, definition 1s, "Personal and Advertising Injury", paragraph h, is added as follows: h, Discrimination or humiliation (unless insurance thereof is prohibited by law) that results in injury to the feelings or reputation of a natural person, but only if such discrimination or humiliation is: (1) Not done intentionally by or at the direction of: (a) The insured; or (b) Any officer of the corporation, director, stockholder, partner or member of the insured; and (2) Not directly or indirectly related to an "employee ", nor to the employment, prospective employment or termination of any person or persons by an insured. Product Recall Expense a. Under SECTION fl -- LIABILITY, B. Exclusions, Paragraph 1. o. is replaced in its entirety by the following: o. Recall of Products, Work or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of (1) "Your product% (2) "Your work "; or (3) 'Impaired property"; If such product, work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect deficiency, inadequacy or dangerous condition in it but this exclusion does not apply to "product recall expenses" that you incur for the "covered recall" of "your product". The exception to the exclusion does not apply to "product recall expenses" resulting from: (1) Failure of any products to accomplish their intended purpose; (2) Breach of warranties of fitness, quality, durability or performance; (3) Loss of customer approval, or arty cost incurred to regain customer approval; (4) Redistribution or replacement of "your product" which has been recalled by like products or substitutes; (5) Caprice or whim of the Insured; (6) A condition likely to cause loss of which any insured knew or had reason to know at the inception of this insurance; (7) Asbestos, Including loss, damage or clean up resulting from asbestos or asbestos containing materials; or (8) Recall of "your products" that have no known or suspected defect solely because a known or suspected defect in another of "your products" has been found. b. Under SECTION 11 — LIABILITY, C. Who Is An Insured, paragraph 4:e. is added as follows: c. *Bodily injury" of "property damage" do not apply to "product recall expense" arising out of any withdrawal 391.1006 06 09 Includes copyrighted material of Insurance Services Office, Inc. Pare 3 of 5 or recall that occurred before you acquired or formed the organization. c. Under SECTION li — LIABILITY, E. Liability and Medical Expense General Conditions, 2. Duties in the Event of Occurrence, Offense, Claim or Suit, paragraph e, is added as follows: e. You must see to it that the following are done in the event of an actual or anticipated "covered recall" that may result in "product recall expense ": (1) Give us prompt notice of any discovery or notification that "your product must be withdrawn or recalled. Include a description of "your product" and the reason for the withdrawal or recall; (2) Cease any further release, shipment, consignment or any other method of distribution of like or similar products until it has been determined that all such products are free from defects that could be a cause of loss under this insurance. d Under SECTION 11 — LIABILITY, F. Liability and Medical Expenses Definitions, the following additional definitions are added: "Covered recall" means a recall made necessary because you or a government body has determined that a known or suspected defect, deficiency, inadequacy, or dangerous condition in "your product" has resulted or will result in "bodily injury" or "property damage ". "Product recall expense(s)" means: a. Necessary and reasonable expenses for: (1) Communications, including radio or television announcements or printed advertisements including stationary, envelopes and postage; (2) Shipping the recalled products from any purchaser, distributor or user to the place or places designated by you; (3) Remuneration paid to your regular "employees" for necessary overtime; (4) Hiring additional persons, other than your reguiar "employees "; (5) Expenses incurred by "employees" including transportation and accommodations; (6) Expenses to rent additional warehouse or storage space; (7) Disposal of "your product ", but only to the extent that specific methods of destruction other than those employed for trash discarding or disposal are required to avoid "bodily injury" or "property damage" as a result of such disposal, you incur exclusively for the purpose of recalling "your product '; and b. Your lost profit resulting from such "covered recall". e. Under SECTION 11 — LIABILITY, D. Liability and Medical Expenses Limits of Insurance, the following is added: 5. The Limits of Insurance and rules stated below fix the most that we will pay under this Product Recall Expense Coverage. (1) The Aggregate Limit is the most that we will reimburse you for the sum of all 'product recall expenses" incurred for all "product recall expenses" initiated during the policy period. (2) The Occurrence Limit shown on the Summary of Coverages is the most we will pay in connection with any one defect or deficiency. (a) AD "product recall expenses" in connection with substantially the same general harmful condition will be deemed to arise out of the same defect or deficiency and considered one "occurrence ". (b) Any amount reimbursed for "product recall expenses" in connection with any one "occurrence" will reduce the amount of the Aggregate Limit available for reimbursement of "product recall expenses" in connection with any other defect or deficiency. (c) If the Aggregate Limit has been reduced by 3311-1006 06 09 Includes copyrighted material of Insurance Services Office, Inc. Page 4 of 5 reimbursement of "product recall expenses" to an amount that is less than the Occurrence Limit, the remaining Aggregate Limit is the most that will be available for reimbursement of "product recall expenses" in connection with any other defect or deficiency. 6. A deductible of $500 applies per each "Occurrence ". 9. Unintentional Failure to Disclose Hazards Under SECTION II — LIABILITY, E. Liability and Medical Expenses General Conditions, paragraph 6. is added as follows: S. Representations We will not disclaim coverage under this Coverage Form if you fail to disclose all hazards existing as of the inception date of the policy provided such failure is not intentional. 10. Unintentional Failure to Notify Under SECTION Ill — UABILiTY, E. Liability and Medical Expenses General Conditions, 2. Duties in the Event of Occurrence, Offense, Claim or Suit, paragraph f, is added as follows: f. Your rights afforded under this Coverage Form shall not be prejudiced if you fail to give us notice of an °occurrence% offense, claim or 'suit", solely due to your reasonable and documented belief that the "bodily injury" or "property damage" is not covered under this Policy. 391 -1006 06 09 Includes copyrighted material of Insurance Services Office, Inc. Page 5 of 5 POLICY #OH3 A431963 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: BUSINESSOWNERS COVERAGE FORM SCHEDULE Name Of Additional Insured Person(s) Or Organizations) Location And_Descripti.on of Com,pIp.Wd_Opesa..ions ANY PERSON OR ORGANIZATION WHEN REQUIRED BY A WRITTEN CONTRACT, WRITTEN AGREEMENT OR PERMIT. Information . Tguired to complete Ws Schedule. if not thowin. abo ra, will -be shown in the Declarations, The fol #owing Is added to Paragraph C. Who Is An Insured in Section II -- Llabillty: Any person(s) or organization(s) shown in the Sched- ule Is also an additional insured, but only with respect to liability for "bodily injury" or "property damage" caused, in whole or 'in past, by "your work" at the location designated and described in the Schedule of this endorsement performed for that additional in- sured and included In the "products - completed opera- tions hazard". 399 -1602 12 11 Includes copyrightedn- alerial oili,surance Services (Xfices, Inc.,withits pemission Page 1 of 1 POLICY #OH3 A431963 OTHER INSURANCE = PRIMARY AND NON - CONTRIBUTORY (ADDITIONAL INSURED) ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided tinier the following: BUSINESSOWNERS COVERAGE FORM The following is added to SECTION III — COMMON POLICY CONDITIONS: M. Other Insurance 1. Additional Insureds If you agree in a written contract, written agreement , permit that the insurance provided t any person or organization included as an Additional Ensured under SECTION 11 - LIABILITY, Part C — Who is An Insured, is primary and non - contributory, the following applies: If other valid and cottectibie insurance is available to the Additional tnsured for a loss we cover under SECTION ll — LIABILITY, Part A� Coverages, Paragraph 1., Business Liabillty our obligations are limited as follows: a< Primary Insurance This insurance is primary to other insurance that is available to the Additional Insured which covers the Additional Insured as a Named Insured. We will not seek contribution from any either insurance available to the Additional Insured except; (1) For the sole negligence of the Additional Insured; (2) When the Additional Insured is an Additional Insured under another primary liability policy; or (3) When b.(2) below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in b.(3) below. b. Excess Insurance This insurance is excess over (1) Any of the other insurance, whether primary, excess, contingent or on any other basis: (a) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for "your work'; (b) That is Fire insurance for premises rented to the Additional Insured or temporarily occupied by the Additional insured with perrtvssion of the owner, (c) That is insurance purchased by the Additional Insured to cover the Additional Insureds liability `as a tenant for "property damage" to premises rented to the Additional Insured or temporarily occupied by the Additional Insured with permission of the owner, or (d) If the toss arises • out of the maintenance or use of aircraft, "ai7toV or watercraft to the extent not subject to Exclusion g. of SECTION 11 — LIABILITY, Part A. Coverages, 1. Business Liability, When this insurance is excess, we will have no duty under SECTION II — L1ABtLITY, Part A. Coverages, 1. Business Liability to defend the insured against any "suit" if any other insurer has a duty to defend the insured against that "suit'. If no other insurer defends, we will undertake to do so, but we will be entitled to the insureds rights against all those other insurers. When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (2) The total amount that all such other Insurance would pay for the loss in the absence of this insurance; and (3) The total of all deductible and self - insured amounts under all that other insurance, We will share the remaining loss, if airy, with .. any— other insurance that is. -not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of 391 -1331 06 09 Includes cUpyrighled material of insurance Seivims Offices, Ina, with its {permission Page 1 of 2 Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to life total applicable limits of insurance of all insurers. 391-133106 09 tndudes copyrighted material of Insurance Services Offices, Inc.. wilt ila perrWlssjon Page 2 of 2 POLICY #OH3 A431963 nit 1 Hanover insurance {.:rnup- THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided tinder the following: BUSINESSOWNERS COVERAGE FORM SCHEDULE' Name Of Person Or Drganization: ANY PERSON OR ORGANIZATION WHEN REQUIRED BY A WRITTEN CONTRACT, WRITTEN AGREEMENT OR PERMIT. ' Inform ation required to complete this Schedule, if not shown on this endorsement, wilFbe shown in the Paragraph K. Transfer Of Rights Of. Recovery Against Others To Us in Section 111 - Common Pol- icy Conditions is amended by the addition of the fol ibwing: We waive any right of recovery we may have against the person or organization. shown In the Schedule above because of payments we make for injury or damage arising out of your ongoing op- erations or '"your work" done under a contract with that person or organization and included in the "products- compteted operations hazard". This waiver applies only to the person or organization shown in the Schedule above_ BP 04 97 07 02 C©ovrioht ISO Pronerties. Inc- 2001 Passe t of I POLICY #AW3 A427458 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 — LIABILITY COVERAGE, Paragraph A.I. Who Is An Insured: Additional Insured if Required by Contract If you agree in a written contract, written agreement or written permit that a person or organization be added as an additional "insured" under this Coverage Part, such person or organization is an "insured "; but only to the extent that such person or organization qualifies as an "insured" under paragraph A. 1.c. of this Section. If you agree in a written contract, written agreement or written permit that a person or organization be added as an additional "insured" under this Coverage Part, the most we will pay on behalf of such additional "insured" is the lesser of (1) The Limits of Insurance for liability coverage specified in the written contract, written agreement or written permit; or (2) The Limits of Insurance for Liability Coverage shown in the Oeclarations applicable to this Coverage Part. Such amount shall be part of and not in addition to the limits of Insurance shown in the Declarations applicable to this Coverage Part. Regardless of the number of covered "autos ", "insureds ", premiurns paid, claims made or vehicles involved In the "accident ", the most we will pay for the total of all damages and "covered pollution cost or expense" combined resulting from any one "accident is the Limit of Insurance for Liability Coverage shown in the Declarations. B. The following is added to SECTION IV — BUSINESS AUTO CONOITIONS, Paragraph B. General Conditions, subparagraph S. Other Insurance: Primary and Non - Contributory If you agree in a written contract, written agreement or written permit that the insurance . provided to a person or organization who qualifies as an additional "insured" Tinder SECTION 11 — LIABILITY COVERAGE, Paragraph A.1; Who Is An Insured, subparagraph Additional Insured if Required by Contract is primary and non- contributory, the following applies: The liability coverage provided by this Coverage Part is primary to any other insurance available to the additional "insured" as a Named Insured. We will not seep contribution from any other insurance available to the additional "Insured" except. (1) For the sole negligence of the additional "insured "; or (2) For negligence arising out of the ownership, maintenance or use of any "auto' not owned by the additional "Insured" or by you, unless that "auto" is a 'trailer" connected to an "auto" owned by the additional` "Insured° or by you; or (3) When the additional "insured" is also an additional "insured" under another Ilability policy. C. This endorsement will apply only if the "accident" occurs: 4. During the policy period; 2. Subsequent to the execution of the written contract or written agreement or the issuance of the written permit; and 3. Prior to the expiration of the period of time that the written contract, written agreement or written permit requires such insurance to be provided to the additional "insured".. 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 1St} Insurance Services Office.. Inc., with its permission Page 1 of 1 HI71W r lnsucao Gro2p_ AVV3A427458 1001554 THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY" AGAINST OTHERS TO US (WAIVER OF SUBROGATION) This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM BUSINESS AUTO PHYSICAL DAMAGE COVERAGE FORM GARAGE COVERAGE FORM MOTOR CARRIER COVERAGE FORM TRUCKERS COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless anther date is indicated below. Named Insured: NRS GOVERNMENT FINANCE GROUP Endorsement Effective. Date: 9/24/2015 Name(s) Of Person(s) Or Organization(s): ANY PERSON OR ORGANIZATION WHEN REQUIRED BY A WRIT Information required to complete this Schedule, if not shown above, will be shown in the Declarations The Transfer Of Rights Of Recovery Against Others To Us Condition does not apply to the person(s) or organization(s) shown in the Schedule, but only to the extent that subrogation is waived prior to the "accident" or the "loss" under a contract with that person or organization. 461 -050011 13 includes copyrighted materiaf of Insurance Services Office, Inc., with its permission Page 1 of 1 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT- CALiFORN A 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 2 % of the California workers' compensation premium otherwise due on such remuneration. Schedule Person or Organization Job Description ONLY WHERE REQUIRED BY 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 912412015 policy No. WH 3 A 4 27 4 5 7 - 01 Endorsement No. Insured NBS GOVERNMENT FINANCE GROUP Premium $ Insurance Company THE HANOVER INSURANCE COMPANY Countersigned By � WC 04 03 06 (Ed. 044.84) NBSGOVE -01 SBB ACORO CERTIFICATE OF LIABILITY INSURANCE DATE (M / 9/25/201 YYY) 2014 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). PRODUCER License # OB23506 (858) 869 -8300 Vanorsdale Insurance Services 6165 Greenwich Drive, Suite 200 San Diego, CA 92122 NAME: Janet Darby HON E>n : $58- 869 -8300 aC NoL858- 869 -8301 E -MAIL ADDRESS: admin@vanorsdale.com INSURER(S) AFFORDING COVERAGE NAIC # INSURER A: Hanover Insurance Company INSURED NBS Government Finance Group 32605 Temecula Parkway, Suite 100 Temecula, CA 92592 INSURERB:Allmerica Financial Benefit 19704 INSURER C: Gemini Insurance Company 10833 INSURER D : PREMISES Ea occurrence INSURER E: MED EXP (Any one person) INSURER F: COVERAGES CERTIFICATE NUMBER: 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. ILTR TYPE OF INSURANCE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. Attn: Mr. Raymond Chin POLICY NUMBER MMDD/YYYY MM DD/YYYY LIMITS A GENERAL LIABILITY X COMMERCIAL GENERAL LIABILITY CLAIMS -MADE Fx_] OCCUR OH3A43196300 9/24/2014 9/24/2015 EACH OCCURRENCE $ 2,00000 PREMISES Ea occurrence $ 2,000,00 MED EXP (Any one person) $ 10,00 PERSONAL & ADV INJURY $ 2,000,00 GENERAL AGGREGATE $ 4,000,00 GEN'L AGGREGATE LIMIT APPLIES PER: X POLICY PRO LOC PRODUCTS - COMP /OP AGG $ 4,000,00 $ B AUTOMOBILE LIABILITY ANY AUTO ALL OWNED SCHEDULED AUTOS AUTOS NON -OWNED HIRED AUTOS AUTOS AW3A42745800 9/24/2014 9/24/2015 COMBINED SINGLE LIMIT Ea accident $ 1,000,00 X BODILY INJURY (Per person) $ BODILY INJURY (Per accident) $ PROPERTY DAMAGE Per accident $ A X UMBRELLA LIAB EXCESS LIAB X OCCUR CLAIMS -MADE OH3A43196300 9/24/2014 9124/2015 EACH OCCURRENCE $ 1,000,000 AGGREGATE $ $ DE D RETENTION $ A WORKERS COMPENSATION AND EMPLOYERS' LIABILITY ANY PROPRIETOR /PARTNER /EXECUTIVEYIN OFFICER /MEMBER EXCLUDED? ❑ (Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below NIA WH3A42745700 9124/2014 9124/2015 WC STATU- H- X TORY LIMITS ER E.L. EACH ACCIDENT _ $ 1,000,000 $ 1,000,000 E.L. DISEASE - EA EMPLOYEE E.L DISEASE -POLICY LIMIT $ 1,000,000 C C Professional Liability Professional Liability VCPL062985 VCPL062985 9/24/2014 9/2412014 9/24/2015 9/24/2015 Each Wrongful Act $2,000,00 Annual Aggregate $2,000,00 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (Attach ACORD 101, Additional Remarks Schedule, if more space Is required) See attached page. CERTIFICATE HOLDER CANCELLATION ACORD 25 (2010/05) ©1988 -2010 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 City of Gilroy THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. Attn: Mr. Raymond Chin 7351 Rosanna Street Gilroy, CA 95020- AUTHORIZED REPRESENTATIVE ACORD 25 (2010/05) ©1988 -2010 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD NBSGOVE -01 SBB PAGE 1 OF 1 DESCRIPTION OF OPERATIONS - NBS Government Finance Group City of Gilroy 32605 Temecula Parkway, Suite 100 Attn: Mr. Raymond Chin Temecula, CA 92592 7351 Rosanna Street Gilroy, CA 95020- *Except 10 days notice of cancellation for non - payment of premium. Proof of Insurance Blanket forms apply: GENERAL LIABILITY: Additional Insured: 391 -1602 12 11 Primary & Non - Contributory: 391-133106 09 Waiver of Subrogation: BP0497 07 02 Additional Insured: 461 -0478 12 12 Primary & Non- Contributory: 461 -0478 12 12 Waiver of Subrogation: 461 -0500 11 13 WORKERS' COMPENSATION: Waiver of Subrogation: WC040306 4-84 *CERTIFICATE ISSUED DUE TO POLICY RENEWAL* POLICY #OH3 A431963 00 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: BUSINESSOWNERS COVERAGE FORM SCHEDULE Name Of Additional Insured Person(s) Or Organization(s) Location And Description Of Completed Operations ANY PERSON OR ORGANIZATION WHEN REQUIRED BY A WRITTEN CONTRACT, WRITTEN AGREEMENT OR PERMIT. Information required to complete this Schedule,_ if not shown above, will be shown in the Declarations. The following is added to Paragraph C. Who Is An Insured in Section 11— Liability: Any person(s) or organization(s) shown in the Sched- ule is also an additional insured, but only with respect to liability for "bodily injury" or "property damage" caused, in whole or in part, by. "your work" at the location designated and described in the Schedule of this endorsement performed for that additional in- sured and included in the "products -completed opera- tions hazard ". 391 -1602 12 11 Includes copyrighted material of Insurance Services Offices, Inc., w fth its permission . Page 1 of 1 13 POLICY #OH3 A431963 00 OTHER INSURANCE PRIMARY AND NON - CONTRIBUTORY (ADDITIONAL INSURED) ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM The following .is added to SECTION III — COMMON POLICY CONDITIONS: M. Other Insurance 1. .Additional. Insureds If you agree in a written contract, written agreement or permit that the insurance Provided. to any person or organization included as an Additional Insured under SECTION 11- LIABILITY, Part C — Who is An Insured, is primary and non- contributory, the following applies: If other valid and collectible insurance is available to the Additional Insured for a loss we cover under SECTION 11 — LIABILITY, Part A.. Coverages, Paragraph 1., Business Liability our obligations are limited as follows: a. Primary Insurance This insurance is - primary to other insurance that is available to the Additional Insured which covers the Additional Insured as a Named Insured. We will not seek contribution from any other insurance available to the Additional Insured except: (1) For the sole negligence of the Additional Insured; (2) When the Additional Insured is an Additional Insured under another primary liability policy; or (3) When b.(2) below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in b.(3) below. b. Excess Insurance This insurance is excess over (1) Any of the other insurance, whether primary, excess, contingent or on any other basis: (a) That is Fire, Extended Coverage, Builders Risk, Installation Risk or similar coverage for "your work'; (b) That is Fire insurance for premises rented to the Additional Insured or temporarily occupied by the Additional Insured with permission of the owner, (c) That is insurance purchased by the Additional Insured to cover the Additional Insureds liability as a tenant for "property damage" to premises rented to the Additional Insured or temporarily occupied by the Additional Insured with permission of the owner, or (d) If the loss arises - out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to Exclusion g. of. SECTION 11 LIABILITY, Part A. Coverages, 1. Business Liability. When this insurance is excess, we will have no duty under SECTION II — LIABILITY, Part. A. Coverages, 1. Business Liability to defend the insured against any "suit" if any other insurer has a duty to defend the insured against that "suit'. If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of. (2) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (3) The total of all deductible and self - insured amounts under all that other . insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of 391-133106 09 Includes copyrighted material of Insurance Services Offices, Inc., with its permission Page 1 of 2 Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 391 -1331 06 09 Includes copyrighted material of Insurance Services Offices, Inc., with its permission Page 2 of 2 Hanover POLICY #OH3 A431963 00 Insurance Group_ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM SCHEDULE' Name Of Person Or Organization: ANY PERSON OR ORGANIZATION WHEN REQUIRED BY A WRITTEN CONTRACT, WRITTEN AGREEMENT OR PERMIT. Information required to complete this Schedule. if not shown on this endorsement, will be shown in the Declarations. Paragraph K. Transfer Of Rights Of Recovery Against Others To Us in Section III - Common Pol- icy Conditions is amended by the addition of the following: We waive any right of recovery we may have against the person or organization. shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing op- erations or "your work" done under a contract with that person or organization and included in the "products- completed operations hazard ". This waiver applies only to the person or organization shown in the Schedule above. BP 04 97 07 02 CoovriahL ISO Properties. Inc.. 2001 Page 1 of 1 POLICY #AW3 A427458 00 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 — LIABILITY COVERAGE, Paragraph A.1. Who Is An Insured: Additional Insured if Required by Contract If you agree in a written contract; written agreement or written .permit that a person or organization be added as an additional "insured" under this Coverage Part, such person or organization is an "insured "; but only to the extent that such person or organization qualifies as an "insured" under paragraph A.1.c. of this Section. If you agree in a written contract, written agreement or written permit that a person or organization be added as an additional "insured" under this Coverage Part, the most we will pay on behalf of such additional "insured" is the lesser of: (1) The Limits of Insurance for liability coverage specified in the written contract, written agreement or written permit; or (2) The Limits of Insurance for Liability Coverage shown in the Declarations applicable to this Coverage Part. Such amount shall be part of and not in addition to the Limits of Insurance shown in the Declarations applicable to this Coverage Part. Regardless of the number of covered "autos ", "insureds ", premiums paid, claims made or vehicles involved in the "accident", the most we will pay for the .total of all damages and "covered pollution cost or expense" combined resulting from any one "accident" is the Limit of Insurance for Liability Coverage shown in the Declarations. B. The following. is added to SECTION' IV — BUSINESS AUTO CONDITIONS, Paragraph B. General Conditions, subparagraph 5. Other Insurance: Primary . and Non- Contributory If you agree in a written contract, written agreement or written permit that the insurance provided to a person or organization who qualifies as an additional "insured" under SECTION 11 — LIABILITY COVERAGE, Paragraph A.I. Who Is An Insured, subparagraph Additional Insured if Required by Contract is primary and non- contributory, the following applies: The liability coverage provided by this Coverage Part is primary to any other insurance available to the additional "insured" as a 'Named Insured. We will not seek contribution from any other insurance available to the additional "insured" except: (1) For the sole negligence of the additional "insured "; or (2) For negligence arising out of the ownership, maintenance or use of any "auto not owned by the additional "insured" or by you, unless that "auto" is a "trailer" connected to an "auto" owned by the additional' "insured" or by you; or (3) When the additional "insured" is also an additional "insured" under another liability policy. C. This endorsement will apply only if the "accident" occurs: 1. During the policy period; 2. Subsequent to the execution of the written contract or written agreement or the issuance . of the written permit; and 3. Prior to .the expiration of the period of time that the written contract, written agreement or written permit requires such insurance to be provided to the additional "insured ". 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 POLICY #AW3 A427458 00 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US (WAIVER OF SUBROGATION) This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM BUSINESS AUTO PHYSICAL DAMAGE COVERAGE FORM GARAGE COVERAGE FORM MOTOR CARRIER COVERAGE FORM TRUCKERS COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured: NBS Government Finance Group, NBS Local Government Solutions Endorsement Effective Date: 9/24/2014 �._ 5GFI�UULE Name(s) Of Person(s) Or Organization(s): ANY PERSON OR ORGANIZATION WHEN REQUIRED BY A WRITTEN CONTRACT, WRITTEN AGREEMENT OR PERMIT. Information required to complete this Schedule, if not shown above, will be shown in the Declarations The Transfer Of Rights Of Recovery Against Others To Us Condition does not apply to the person(s) or organization(s) shown in the Schedule, but only to the extent that subrogation is waived prior to the "accident' or the "loss" under a contract with that person or organization. 461 -0500 11 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 1 of 1 WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY INSURANCE POLICY WC 04 03 06 (Ed. 4 -84) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA This endorsement changes the policy to which it is attached effective on the inception date of the policy unless a different date is indicated below. (The following "attaching clause" need be completed only when this endorsement is issued subsequent to preparation of the policy.) This endorsement, effective on at 12:01 A.M. standard time, forms a part of 9/24/2014 Policy No. WH3 A427457 00' Endorsement No. of the HANOVER INSURANCE COMPANY issued to Premium (if any) $ Authorized Rep entative 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 % of the California workers' compensation premium otherwise due on such remuneration. Schedule Person or Organization Job Description ANY PERSON OR ORGANIZATION WHEN REQUIRED BY A WRITTEN CONTRACT, WRITTEN AGREEMENT OR PERMIT. WC 252 (4 -84) WC 04 03 06 (Ed. 4 -84) Page 1 of 1 N BSGOVE -01 M ES AcoR °� CERTIFICATE OF LIABILITY INSURANCE �--�� DAT /13 /2D 014 3 /13/24 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 holderin lieu of such endorsement(s). PRODUCER (858) 869 -8300 Vanorsdale Insurance Services 6165 Greenwich Drive, Suite 200 San Diego, CA 92122 NAME: CONTACT Janet Darby PHONE FAX A/c No E# : 858- 869 -8300 A/c Nc : 858 - 869 -8301 . ADDRESS: admin@vanorsdale.com INSURER(S) AFFORDING COVERAGE NAIC # INSURER A:Maryland Casualty Insurance Company 19356 INSURED NBS Government Finance Group 32605 Temecula Parkway, Suite 100 Temecula, CA 92592 INSURER B: American States Insurance Company 19704 INSURER C: Golden Eagle Insurance Corporation 10836 INSURER D: Northern Insurance Company of New York 19372 [INSURER E: MED EXP (Any one person) INSURER F: PERSONAL & ADV INJURY COVERAGES CERTIFICATE NUMBER: 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 LTR' TYPE OF INSURANCE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN y POLICY NUMBER POLICY EFF MMIDD/YYYY POLICY EXP MM/DD/YYYY LIMITS A GENERAL LIABILITY X COMMERCIAL GENERAL LIABILITY CLAIMS -MADE 7X1 OCCUR PAS00053837 9/24/2013 9/24/2014 EACH OCCURRENCE $ 2,00000 PREMISES Ea occurrence $ 2,00000 MED EXP (Any one person) $ 10,00 PERSONAL & ADV INJURY $ 2,000,00 GENERAL AGGREGATE $ 4,000,00 GEN'L AGGREGATE LIMIT APPLIES PER: X POLICY PRO LOC PRODUCTS - COMP /OP AGG $ 4,000,00 $ B AUTOMOBILE LIABILITY ANY AUTO ALL OWNED SCHEDULED AUTOS AUTOS NON -OWNED HIRED AUTOS AUTOS 01 C16321552 9124/2013 9124/2014 COMBINED SINGLE LIMIT Ea accident $ 1,000,00 X BODILY INJURY (Per person) $ BODILY INJURY (Per accident)' $ PROPER $ $ C UMBRELLA LIAB EXCESS LIAB X OCCUR CLAIMSWADE CU8919493 9/24/2013 9/24/2014 EACH OCCURRENCE $ 1,000,00 X AGGREGATE $ 1,000,00 DED RETENTION $ Excess over AutoOnly $ D WORKERS COMPENSATION AND EMPLOYERS' LIABILITY ANY 'PROPRIETOR /PARTNER /EXECUTIVEY / N OFFICER/MEMBER EXCLUDED? � (Mandatory in NH) If yyes; describe under DESCRIPTION OF OPERATIONS below N/A 0429775203 9/24/2013 9/24/2014 X WC STATU- OTH- T Y S R E.L. EACH ACCIDENT $ 1,000,00 E.L. DISEASE - EA EMPLOYEE $ 1,000,00 E.L. DISEASE - POLICY LIMIT $ 1,000,00 DESCRIPTION OF OPERATIONS I LOCATIONS / VEHICLES (Attach ACORD 101, Additional Remarks Schedule, if more space is required) 'Except 10 days notice of cancellation for non-payment of premium. Proof of Insurance *THIS CERTIFICATE CANCELS AND SUPERSEDES THE CERTIFICATE PREVIOUSLY ISSUED ON 09/20/13' CERTIFICATE HOLDER CANCELLATION ACORD 25 (2010/05) ©1988 -2010 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 City CI Of Gilroy THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN y ACCORDANCE WITH THE POLICY PROVISIONS. Attn: Mr. Raymond Chin 7351 Rosanna Street AUTHORIZED REPRESENTATIVE Gilroy, CA 95020 - ACORD 25 (2010/05) ©1988 -2010 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD THE ATTACHED CERTIFICATE CANCELS AND SUPERSEDES THE CERTIFICATE PREVIOUSLY ISSUED ON 9/2012013. THE EXCESS COVERAGE APPLIES TO THE AUTO LIABILITY ONLY. THE FORMS THAT APPLY WERE PREVIOUSLY INCLUDED IN THE CERTIFICATE ISSUED ON 9/20/2013 AND HAVE NOT CHANGED.