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HomeMy WebLinkAboutEvans & DeShazo - Insurance Certificate (2020)EVANS-1 OP ID: KE AL®>7`LJm CERTIFICATE OF LIABILITY INSURANCE ( DATE(MM/DD/YYYY) 08/07/2019 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 707-874-2666 NAME: Klrsten Edwards Gene Gaffney Ins Services, Inc PHONE 707-874-2666 FAX 707-874-1233 P.O. BOX 428 (A/C, No, Ext): Occidental, CA 95466 E-MAIL (AIc, No); Fawn Nekton ADDRESS; KlfSten@OpendOOrinS.COm INSURER(SI AFFORDING COVERAGE NAIC # INSURER A; Hartford Casualty Ins_. Co. 29424 Evans & DeShazo, Inc. INSURER B, RLI insurance Group 13056 Attn: Sally Evans I INSURER C 1141 Gravensteln M. S. Sebastopol, CA 95472 INSURER D : INSURER E 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. ILTPNSR TYPE OF INSURANCE INSP WVp POLICY NUMBER (MM]nDfYYYYI (MMIDDnYYYI LIMITS A X COMMERCIAL GENERAL LIABILITY 2 EACH OCCURRENCE $ 2,000,000 CLAIMS -MADE X OCCUR 57SBMBH7623 04/20/2019 04/20/2020 DAMAGE TO RENTED 1 000 000 X PREMISES (Ea Occurrence) $ GENT- AGGREGATE LIMIT APPLIES PER: POLICY ❑ JECT PRO- LOC OTHER; AUTOMOBILE LIABILITY ANY AUTO OWNED SCHEDULED _ AUTOS ONLY AUTOS W�Ep AUR OS ONLY AUTOS ONLY UMBRELLA LIAR OCCUR EXCESS IL CLAIMS -MADE HDED RETENTION $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY ANY PROPRIETOR/PARTNER/EXECUTIVE Y� (Mandate/ryin NH) EXCLUDED? N / A If yes, describe under DESCRIPTION OF OPERATIONS below _ g Profesional Liab, RTP0016415 MED EXP (Anv one person) $ 10,000 PERSONAL & ADV INJURY $ 2,000,000 GENERAL AGGREGATE $ 4,000,000 PRODUCTS-COMP/OPAGG $ 4,000,000 I$ COMBINED SINGLE LIMIT (Ea accident) $ BODILY INJURY (Per person) $ BODILY INJURY (Per accident) $ PROPERTY DAMAGE (Per accident) $ EACH OCCURRENCE $ AGGREGATE $ $ PER EERH E.L. EACH ACCIDENT $ E.L. DISEASE - EA EMPLOYEE $ _ E.LDISEASE- POLICY LIMIT $ 08/06/2019 08/06/2021 Each Occ. 2,000,000 Agg• 2,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached If more space Is required) Archeaeology & Historic Preservation Consultants The City of Gilroy, its Officers, Officials, and Enpployees are named as Additional Insureds per attached policy form S500080405. CERTIFICATE HOLDER City of Gilroy, its officers, officals and employees 7351 Rosanna Street Gilroy, CA 95020 I ACORD 25 (2016/03) 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. AUTHORIZED REPRESENTATIVE ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD (b) Rented to, in the core or control of, or over which physical control is being exercised for any purpose by you, any of your "employees". "volunteer vvorken»", any partner nrmember (if you are m partnership or joint venture), or any member (if you are o limited liability company). Any person (other than your "emloyee'm ''vounhxar wmrke/), or any organization while acting aayour real estate manager. c Temporary Custodians Of Your Property Any person or organization having proper temporary custody of your property if you d\a. but only: (i) With respect to liability arising out of the maintenance oruse oJthat property; and (2) Until your legal representative has been appointed. d. Legal Representative \fYou Die Your legal representative M you die, but only with respect toduties as such, That representative will have all your rights and duties under this insurance. Any subsidiary and subsidiary thereof, of yours which is a legally incorporated entity of which you own a financial interest of more than 50Y4 of the voting stock on the effective date ofthis Coverage Part. The insurance afforded herein for any subsidiary not shown in the Declarations as a named insured does not apply to injury ordamage with respect towhich an insured under this insurance is also on insured under another policy or would be an insured under such policy but for its termination orupon the exhaustion of its limits cfinsurance, 3. Newly Acquired Or Formed Organization Any organization you newly acquire or form, other than a partnarehip, joint venture or limited liability company, and over which you maintain financial inbamamt ofmore than 5096 of the voting mtock, will qualify as o Named Insured if there is no other similar insurance available tothat organization. However: a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization o, the end of the policy period, whichever is earlier; and h. Coverage under this provision does not apply to: (1) "Bodily injury" or "property damage" that occurred; or (2) "Personal and advertising injury" arising out cfanoffense committed before you acquired or formed the organization. With respect to "mobile equipment' in your name under any motor vehicle registration law, any person is aninsured while driving such equipment along apuWic highway with your permission. Any other person or organization responsible for the conduct of such person is also an insumad, but only with respect to liability arising out ofthe operation ofthe equipment, and only ifnoother insurance ofany kind ieavailable tothat person ororganization for this liability. However, noperson ororganization iseminsured with respect to: a. "Bodily injury" to e co-"ennp\ayee" of the person driving the equipment; or 6. "Property damage" haproperty owned by, rented to, in the charge oforoccupied by You or the employer of any person who is ' aninsured under this provision. With respect b»watercraft you do not own that is less than 51 feet long and is not being used tocarry persons for acharge, any person isan insured while operating aVch watercraft with your permission. Any other person or organization responsible for the conduct of such person is also an inauped, but only with respect to liability arising out of the operation of the vvwteronaft' and only if no other insurance of any kind is available to that person urorganization for this liability. Hmwever, no person or organization is an insured with respect to: a. "Bodily injury" to a co-!'emp|oyee" of the person operating the watercraft; or b. "Property damage" toproperty owned by, rented to, in the charge oforoccupied by you orthe employer ofany person who is an insured under this provision. 6. Additional Insureds When Required By Written Contnact, Written Agreement Or Permit The person(s) or organization(s) identified in Paragraphs a. thvouQhf. below are additional insureds when you have agnsed, in avvritten contract, written agreement or because of permit issued by a state or political wubdivision, that such person or organization be added as on additional insured on your poUcy, provided the injury or damage ucouna subsequent to the execution of the contract or agreement, orthe issuance ofthe permit. A person or organization is an additional insured under this provision only for that period of time required by the omntnsot. agreement orpermit. Hovvover, no such person or organization is on additional insured under this provision ifsuch person or organization is included as an additional insured by on endorsement issued by us and made apart ofthis Coverage Port, including all persons or organizations added as additional insureds under the specific additional insured coverage grants in Section F.—Optional Additional Insured Coverages. M§111111���\ Anypersm(s) or (referred to below as vendor). 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 and only if this Coverage Part provides coverage for "bodily injury" or "property damage" included within the "prod ucts-comp|etedoperations hezand" (1) The insurance afforded tothe vendor is subject to the following additional This insurance does not apply to: hA "Bodily injury" or "property damage" for which the vendor is obligated to pay damages by reason of the assumption of liability inocontract oragreement. This exclusion does not apply to liability for damages that the vendor would have in the absence ufthe contract oragreement; (b) Any express warranty unauthorized byyou; (*) Any physical or chemical change in the product mode intentionally bythe vendor; (d) Repenkaging, except when unpacked mn|e|y for the purpose of inspection, demonatration, haxding' or the substitution of parts under instructions from the manufaoturer, and then repackaged in the original container; (e) Any failure to make such inspections, adjuoimentm, 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 products; Ul DemonatraUon, inaha|laUon, servicing or repair operatimns, except such operations performed at the vendor's premises in connection with the sale of the (g) Products which, after distribution or sale by you, have been labeled or relabeled or used as o container, part oringredient cfany other thing or substance by or for the vehdoror (h) "Bodily injury" or damage" arising out of the sole nag|k]enma of the vendor for its own acts oromissions orthose cf its employees or anyone else acting onits behalf. However, this exclusion does not apply to: (|) The exceptions contained in Subparagraphs (d)orUl; or (U) Such inspections, adjustments, tests mservicing msthe vendor has agreed to make or normally undertakes hzmake |nthe usual course of businesm, in connection with the distribution orsale ofthe products. (2) This insurance does not apply to any insured person or organization from whom you have acquired such products, or any ingma6ient, port or oonbainer, entering into, accompanying or containing such products, (1) Any person or organization from whom you lease equipment; but only with respect to their liability for "bodily injury", "property damage" or "personal and advertising injury" caueed, in whole or in part, by your maintenonce, operation or use of equipment leased to you by Such person ororganization. (2) With respect bothe insurance afforded to these additional ineunedm, this insurance does not apply to any "occurrence" which takes place after you cease tolease that equipment. (1) Any person or organization from whom you lease hand or premises, but only with respect to liability arising out ofthe ownership, maintenance oruse of that part of the land or pnamio*a leased toyou, (2) With respect tuthe insurance afforded to these additional insureds, this insurance does not apply to: (a) Any "occurrence" which takes place after you cease tolease that land or be a tenant in that premises; or e. Permits Issued By State Or Political Subdivisions (1) Any state or political subdivision, but only with respect to operations performed bvyou oronyour behalf for which the state or political subdivision has issued apermit. (2) With respect tothe insurance afforded to theme additional insUiede, this insurance does not apply to: (a) "Bodily injury", "property damage" or "personal and advertising injury" ohainQ out of upeodkzna performed for the ohaba or municipality; or (b) "Bodily injury" or "property damage" included within the "products- completed (b) Structural alterations, new (1) Any other person mrorganization who construction o/ demolition' is not an insured under Paragraphs a operations performed by or on through e. above but only with ' of such person or respect to liability r "bodily injury", organization, "prope�y damage" ' ' or "personal and d. Architects, Engineers Or Surveyors advertising injury" cauoed, in vvhn|e or (1) Any architect, engineer, or surveyor, but in Part' by your acts or omissions or only with respect to liability for "bodily the ads or omissions of those acting injury", "property damage" or"personal onyour behalf: and advertising injury" caused, in whole (a) In the performance of your or in part, by your acts or omissions or ongoing operations; the acts Vromissions ofthose acting on (b) In connection with your premises your behalf:' owned bynrrented toYou; or (a) In connection with Your premisa�� ' (u) |nconnection with "your work" and or included within the "products- (b) I the performance of your completed operations hazau1". but ongoing operations performed by only if you oronyour behalf. (I) The written contract or written (2) With respect to the insurance afforded agreement naquinaa you to no theme additional inounodm. the provide such coverage to following additional exclusion applies: such additional insured; and This insurance does not apply to (i1) This Coverage Pad provides "bodily injury", "property damage" or coverage for "bodily injury" or ''personal and advertising injury' "property damage" included arising out of the nsndnhnQ cforthe within the "product$- fai|une to render any professional completed operations hazan]" services byorfor you, including: (2) With respect tothe insurance afforded (a) The pmaparing, approving, or to these additional innunsds, this failure to prepare or approve' insurance does not apply to: maps, shop drawings, opinions, "Bodily irjury" "property damage" or ' reports, a surveys, field orders, . personal and advertising injury" change nrdero, designs or arising out of the rendering of or the dnavvinQoand apeci�cations; or failure to vender, any professional (b) Supemimory, inspection, architectural, engineering or surveying architectural or engineering services, including: activities, Form SSU0080406 Page 13 of 24 Wd The preparing, approving, or failure to prepare or opprove, nmpm, shop drmwinga, opiniono, r*portn, aumeym, field ordmns, change ordena, designs or drawings and specifications; or (b) 8upemioury, inspection, architectural or engineering The limits ofinsurance that apply to additional insureds are described in Section D.—Umde [f|nauronne. How this insurance applies when other insurance is available tounadditional insured is described inthe Other Insurance Condition inSection E.—Liability And Medical Expenses General Conditions. No person or organization in an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as Named Insured in the Declarations, D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE The Limits of Insurance shown in the Declarations and the rules below fix the most wewill pay regardless ofthe number of: a. |naunad�� . b. Claims made or"suUo"brought; or c. Persons mrorganizations making claims or bringing "suits". 2. Aggregate Limits The most we will pay for: a. Damages because of "bodily injury" and ',property damage" included in the "products-comp|etedoperations hazard" |m the Products -Completed Operations Aggregate Limit shown in the Declarations. b. Damages because of all other "bodily injury", "property damage" or "personal and advertising injury", including medical expenoes, is the General Aggregate Limit shown in the Declarations. ' This General AgQnaQsde Limit applies separately to each of your "locations" owned byorrented toyou, "Location" means premises involving the same or connecting (*ts, or promises whose connection is interrupted only by etnaet, roadway or right-of-way of a This General Aggregate limit does not apply to "property damage" to premises vvhiha rented to you or temporarily occupied by you with permission of the owner, arising out of fine. lightning or explosion. Subject to �a. or 2.b above,whichever applies, the most wewill pay for the SLIM ofall damages because of all "bodily injury". "property damage" and medical expenses arising out of any one "occurrence" is the Liability and yNadica! Expenses Limit shown in the Declarations. The most we will pay for all medical expenses because of "bodily injury" Sustained by any one person is the Medical Expenses Limit shown in the Declarations. 4. Personal And Advertising Injury Ummit Subject (o2.b.above, the most vvewill pay for the mum of all damages because of all "personal and advertising injury" sustained by any one person ororganization imthe Personal and Advertising Injury Limit shown in the Deo|anydona. 6. Damage To Premises Rented To You Limit The Damage To Premises Rented To You Limit is the most vvewill pay under Business Liability Coverage for damages because of "property damage" toany one premises, while rented toyou, orinthe case ofdamage byfire, lightning or exp|osion, while rented to you or temporarily occupied byyou with permission of the owner. In the name of damage by fire, lightning or explosion, the Damage toPremises Rented To You Limit applies to all damage proximately omumed by the same even(, whether such damage results from fire, lightning mrexplosion orany combination Vfthese. 6. How Limits Apply TPAdditional Insureds The most we will pay on behalf of person or organization who in an additional insured under this Coverage Part isthe lesser of: a. The limits of insurance specified in a written oontnact, written agreement or permit issued by m state or political subdivision; or b. The Limits of Insurance shown in the Declarations. Such amount shall be o part of and not in addition to the Limits of Insurance shown in the Declarations and described in this Section. Policy Number: RTP0010196 RLI Insurance Company It is agreed: THIS ENDORSEMENT CHANGESTHE POLI-CY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED ENDORSEMENT (Clients or Customers) 1. The definition of Insured in Section 5. g. also means any client or customer of the Named Insured, but only if a written Conti -act between the Named Insured and such client or customer specifically requires that such client or customer be added as an Additional Insured to any professional liability Or errors and omissions insurance maintained by the Named Insured. 2. Coverage afforded by reason of this Endorsement shall only apply to Claim Expenses for Claims (i) first made against such client or customer, during the Policy Period and on or after the effective date of this Endorsement, and first reported to the Insurer during the *Policy Period, the Automatic Extended Reporting Period, or if applicable, during the Extended Reporting Z� Period, and (ii) for vicarious or imputed liability of such client or customer based upon Wrongful Acts con-u-nitted solely, by the Named Insured. The Policy will not provide coverage for any Wrongful Act committed by such client or customer, 3. Exclusion b. shall not apply to Claims by such client or customer. 4. The effective date of this Endorsement is: 08/06/2017 5. Solely as respects the coverage afforded by reason of this Endorsement, this Policy is amended as -follows: A. Section 1. INSURING AGREEMENTS, is deleted in its entirety and replaced with the following: "I. INSURING AGREEMENTS a. The Insurer will pay on. behalf of the Insured, Claim Expenses and Damages in excess of the Deductible and not exceeding the Limits of Liability shown on the Policy Declarations that the Insured shall become legally obligated to pay because of Claims first made against the Insured during the Policy Period and first reported to the Insurer during the Policy Period, the Automatic Extended Reporting Period, or if applicable, during the Extended Reporting Period, for Wrongful Acts to which this insurance applies. b, The Insurer wilt pay on behalf of the Insured, Claim Expenses and Damages in excess of the Deductible and not exceeding the Limits of Liability as described in Section 7. c. that the Insured shall become legally obligated to pay because of Claims alleging Third Party Discrimination first .made against the Insured during the Policy Period and first reported to the Insurer during the Policy Period, the Automatic Extended Reporting Period, or if applicable, during the Fxtended Reporting Period," B, Section 7. il,imrrs or, LIABILITY AND DEDUCTIBLE is deleted in. its entirety and replaced with the following: "7. i,imi,rsOF.I,IAB.[I,ITYAN.DDEDUCT.IBLE Regardless of the number of Insureds under this Policy, Claims brought On aCCOLUIt Of Wrongful Act(s) or otherwise, the Insurer's liability is limited as follows: a. for Claims arising under Insuring Agreement 1. a. of this Policy, the Limit of Liability specified in Item 3, b. or the Policy Declarations as the Annual Aggregate shall be the Insurer's maximum liability for Claims Expenses and Damages for all Claims during the Policy Year, RTP 335 (09/11) Page I of 2 I11SL11-Cd b. for Claims arising under Insuring Agreement 1. a. Of this Policy, the Limit of Liability specified in Item 3, a, of the Policy Declarations as the Limit for each Claim shall be the Insurer's maximum liability for Claims Expenses and Damages for each Claim during the Policy Year, and subject to the Annual Aggregate Limit of Liability specified in Item 3. b. of the Policy Declarations. c. for Claims arising under Insuring Agreement 1. b. of this Policy, the Insurer's maximum liability for Damages and Claim Expenses shall not exceed $25,000, subject to the Annual Aggregate Limit of Liability specified in Item 3. b. of the Policy Declarations. d. the Deductible amount stated in Item 4. of the Policy Declarations shall apply to Damages and Claim Expenses and shall apply separately to each and every Claim, The Named Insured must pay the Deductible stated in Item 4, of tile Policy Declarations for Damages and Claim Expenses. Subject to the Limits of Liability, the Insurer shall only be liable to pay for Damages and Claim Expenses in excess of such Deductible, and such Deductible shall not be insured under this Policy. e. the Limit .of Liability for the Automatic Extended Reporting Period and the Extended Reporting Period, if applicable, shall be part of and not in addition to the Limits of Liability specified. in Item 3. of the Policy Declarations. f. Claims based upon or arising out of the same Wrongful Act, interrelated Wrongful Acts, or a series of similar or related Wrongful Acts shall be considered a single Claim Subject to one Claim Limit and shall be considered first made during the Policy Period, the Automatic Extended Reporting Period or Extended Reporting Period, if applicable, in which the earliest Claim arising out of such Wrongful Act(s) was first made and all Claim Expenses and Damages from such Claims shall be Subject to the one Limit of Liability that applies to such earliest Clain). g. tile Limits of I.Jability of this Policy apply separately to each consecutive annual period and to any remaining period of less than twelve (12) months, starting with the beginning of the Policy Period shown in Item 2, of the Policy Declara- tions, unless the Policy Period is extended after issuance for an additional period of less than twelve (12) months, 11-1 that case, the additional period will be deemed part of the last preceding twelve (12) month period for purposes of determining the Limits of Liability." ALL 0THFR.TERMS AND CONDITIONS REMAIN UNCHANGED. RTP 335 (09/11) Insured Page � of 2 EVANS-1 OP ID: KE ri�RQ CERTIFICATE OF LIABILITY INSURANCE I DATE(MMIDD/YYYY) 03/20/2019 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 707-874-2666 CONTACT Kirsten Edwards Gene Gaffney Ins Services, Inc PHONE P.O. Box 428 (A/C, No, Ext); 707-874-2666 FAX707-874-1233 Occidental, CA 95466 I EMAIL (Alc, No): Fawn Nekton ADDRESS: kirsten@gaffneyins.com I I INSURER(S) AFFORDING COVERAGE NAIC # INSURER A: Hartford Casualty Ins. Co. 29424 INSURED INSURER B : RLI Insurance Group 13056 Evans & DeShazo, Inc. Attn: Sally Evans 1141 Gravenstein Hwy. S. Sebastopol, CA 95472 I INSURER C : INSURER D : INSURERS: 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 'OLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS, ILTR TYPE OF INSURANCE INS L W�p POLICY NUMBER (MM/DDNYYY) (MM/DDIYYYYI LIMITS A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2,000,000 CLAIMS -MADE X OCCUR 57SBMBH7623 X 04/20/2019 04/20/2020 I DAMAGE TO RENTED 1,000 000 PREMISES (Ea occurrence) $ MED EXP (Anv one person) $ 10,000 PERSONAL & ADV INJURY $ 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: ❑ GENERAL AGGREGATE $ 4,000,000 POLICY TECT LOC PRODUCTS - COMP/OPAGG $ 4,000,000 OTHER: $ A AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT (Ea accident) $ 2000000 > > ANY AUTO 578BMBH7623 04/20/2019 04/20/2020 I BODILY INJURY (Per OWNED SCHEDULED person) $ AUTOS ONLY AUTOS I BODILY INJURY (Per accident) $ X AUT OS ONLY X AUTOS ONLDY � I (Pe�accidentDAMAGE $ UMBRELLA LIAB CCUR EACH OCCURRENCE $ EXCESS LABHO CLAIMS -MADE AGGREGATE $ DIED I I RETENTION $ $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY PER EORH OFFICEO/MEMBER EXCLUDED? ECUTIVE Y� N / A R I E.L. EACH ACCIDENT $ (Mandatory In NH) E.L. DISEASE EA EMPLOYEE If yes, describe under - $ DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ B Professional Liab. RTP0006077 08/06/2017 08/06/2019 Aggregate 2,000,000 Each Occ. 2,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached If more space Is required) Archeaeolog.y & Historic Preservation Consultants The City of Gilroy, its Officers, Officials, and Enplo ees are named as Additional Insureds per attached policy form SS00080405. CERTIFICATE HOLDER City of Gilroy, its officers, officals and employees 7361 Rosanna Street Gilroy, CA 95020 I ACORD 25 (2016103) 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. AUTHORIZED REPRESENTATIVE © 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD F. OPTIONAL ADDITIONAL INSURED COVERAGES Iflisted Vrshown aoapplicable inthe Declarations, one or more of the following Optional Additional Insured Coverages also apply. When any ofthese Optional Additional Insured Coverages apply, ParaBraph6. (Additional Insureds When Required by Written OVntnsot. Written Agreement orPermit) of Section C., Who Is An |neuvad, does not apply to the person or organization shown in the Declarations. These coverages are Subject tothe terms and conditions applicable to Business Liability Coverage in this policy, except as provided below: 1. Additional Insured ~ Designated Person Or Organization VVHD IS AN INSURED under Section C. is amended to include as an additional insured the person(s) or organization(s) shown in the Declarations, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" ceumed, in whole or in part` byyour acts oromissions or the ads or omissions of those acting on your behalf: a. In the performance of your ongoing operations; or h. In connection with your pnamiaae owned byorrented to you. 2. Additional Insured ~ Managers Or Lessors Of Premises m. WHO |SANINSURED under Section C. is amended to include aeanadditional insured the pemon(a)oroqJenizeUon(s)shown inthe Declarations as an Additional Insured - Designated Person OrOrganization; but only with respect toliability arising out nfthe ownership, maintenance oruse ofthat part of the premises leased toyou and shown inthe Declarations, b. With respect tnthe insurance afforded to these additional insureds, the following additional exclusions apply: This insurance does not apply to: (1} Any "occurrence" which takes place after you cease to be abanant in that premises; or (2) EKmctuns| aKeotions, new construction or demolition operations performed by or on behalf of such person ororganization. 3. Additional Insured ~ Grantor Of Franchise VVHD IS AN INSURED under Section C. is amended to include as an additional insured the person(s) or organization(s) shown in the Declarations as an Additional Insured - Grantor OfFranchise, but only with respect to their liability asgrantor pffranchise toyou. 4. Additional Insured ~ Lessor Of Leased Equipment m� WHO |8ANINSURED under Section C.is amended to include as an additional insured the person(s) or organization(s) shown inthe Declarations as an Additional |naUnad — Lessor of Leased Equipment, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, inwhole or in part, byyour maintenance, operation or use of equipment leased to you by such peraon(e)ororganization(m). b. With respect to the insurance afforded to these additional inaunmds, this insurance does not apply toany /'ocuurrence"which takes place after you cease to lease that equipment. S. Additional Insured - Owners Or Other Interests From Whom Land Has Been Leased a. WHO |SANINSURED under Section C.is amended to include as an additional insured the person(s) or organization(s) shown inthe Declarations eeanAdditional Insured — Owners QrOther Interests From Whom Land Has Been Leaoed, but only with respect to liability arising out of the ownership, maintenance mruse ofthat part ofthe land leased toyou and shown inthe Declarations. b. With respect to the insurance afforded to these additional inmurede, the following additional exclusions apply: This insurance does not apply to: (1) Any"occurrence" that takes place after you cease tulease that land; or (2) Structural alterations, new construction or demolition operations performed by or on behalf of such person ororganization. 6. /\dd|%iona! Insured - State Or Political Subdivision —Pe,m|ts a. WHO |GANINSURED under Section C.io amended to include as an additional insured the state or po|iUoo| subdivision shown inthe Declarations amanAdditional Insured —Sbste Or Political Subdivision - (e) Any failure to make such Penndn, but only with respect to inupectkcns, adjuabnents, tests or operations performed by you or on your servicing aothe vendor has agreed behalf for which the state or political to make ornormally undertakes to subdivision has issued apermit. make in the usual course of h. With respect tothe insurance afforded to business, in connection with the these additional insureds, the following distribution Vrsale ofthe products; additional exclusions apply: (0 Demonstration, installation, This insurance does not apply to: servicing or repair operations, except such operations performed (1) "Bodily injury", "property damage" or sd th� vendor's premioe� in "personal and advertising i�ur/" connection with the ae|e of the arising out ofope�tinnepehbrmedfor product; the state ormunicipality; or (�) Products which, ���r distribution (2) "Bodily injury" or "property damage" or sale by you. b�va been labeled included in the "product-completedor na|ab*k*d or used as a operations" hazard. container, part oringredient ofany 7. Additional Insured —Vendors other thing orSubstance byorfor a. WHO 0AWINSURED under Section C.iw the vendor; or amended to include as an additional (h) "Bodily injury" or "property insured the person(s) or organization(s) damage" arising out of the sole (referred tobelow amvendor) shown inthe negligence of the vendor for its Declarations as an Additional Insured - own acts m/omissions o/those of Vendor, but only with respect to "bodily its employees or anyone else injury" or "property damage" arising out of acting on its behalf. However, this "your products" which any distributed or exclusion does not apply to: sold in the regular course of the vendor's (i) The exceptions contained in business and only if this Coverage Pert Subparagraphs (d)or(f);or provides oowsnege for "bodily injury" or "property (i|) Such inspections, damage" included within the "producte-comp|etedoperations haranj". adjustments, tests orservicing as the vendor has agreed to h^ The insurance afforded to the vendor is make or normally undertakes subject tothe following additional ext|umiona� iomake inthe usual course of (1) This insurance does not apply to: buoinesa, in connection with (m) "Bodily injury" or "property he distribution or sale of the t damage' for which the vendor is products. obligated to pay damages by (2) This insurance does not apply to any reason of the assumption of insured person or organization from liability in e contract oragreement. whom you have acquired such This exclusion does not apply to producta, or any ingmadient, part or liability for damages that the oonteiner, entering into, vendor would have in the absence accompanying or containing such nfthe contract oragreement; products. (b)Any express warranty 8. Additional Insured — Controlling Interest unauthorized byyou; WHO IS AN INSURED Linder Section C. is (u) Any physical or chemical change amended to include as on additional insured in the product made intentionally the person(s) or organization(s) shown in the bythe vendor; Oen|enstionm as an Additional Insured — (d) Repackaging, unless unpacked Controlling Interest, but only with respect to solely for the purpose ofinspection, their liability arising out of: demonatotion, basUng, or the a. Their financial control ofyou; or substitution of parts under b. Premises they mmn, maintain or control instructions from the manufacturer, while you lease uroccupy these prmmises. and then repackaged in the original container; This insurance does not apply to structural The limits of insurance that apply �to additionaladditionalalterations, new construction and demolition insureds are described in SemionD.—LhnKs Of operations performed by mrfor that person or Insurance. organization. How this insurance applies when other insurance 9. Additional Insured — Owners, Lessees Or isavailable toenadditional insured isdescribed in Contractors — Scheduled Person Or the Other Insurance Condition in Section E. — Organization Liability And Medical Expenses General a. WHO |GANINSURED under Section C.im Conditions. amended to include as an additional G. LIABILITY AND MEDICAL EXPENSES insured the person(s) or organization(s) DEFINITIONS shown inthe Declarations eoanAdditional Insured — Owner, Lessees {)rContractors, 1'\4dvertisement"means the widespread public but only with respect to liability for "bodily dissemination of information or images that injury", "property damage" or "personal has the purpose ofinducing the sale Ofgoods, and advertising injury" coused, in whole or products oraervioeo through: in pad, by your onha or omissions or the a. (1) Radio; acts or omissions of those acting on your (�) Television; behalf: � ' (3) Billboard; (1) In the performance Of your ongoing Magazine; operations for the additionalWU inouned(e);or (5) Newspaper; (2) In connection with 'your work" b' The |ntemet, but only that part of web performed for that additional insured she that is about yoodm, products or and included within the "products- services for the purposes of inducing the completed operations hazard", but sale ofgoods, products orservices; or only if this Coverage Part provides c. Any other publication that is given coverage for "bodily injury" or widespread public distribution, "pmpedy Uemege�' included within the Howevar.°adve�imement'doesnotinc|ude "products -completed operations hazard". m^ The design' printed material, information ~ b VV�h respect insurance to or images contained in, on or upon the these additional insureds, this insurance packaging or labeling of any goods or products; or does not apply �to "bodily injury", "property damage" or "personal on advertising b^ An interactive conversation between or injury" arising out of the rendering of, or among persons through acomputer network. the failure to render, any professional 2. "Advertising idea" means any idea for an architectural, engineering or surveying "advertisement". services, including: 3. "Asbestos hazard" means on exposure or (1) The pnaparing, approving, or failure to threat of exposure to the actual or alleged prepare or oppnzwe, mapm, shop properties of asbestos and includes the mare drawings, opinions, ,epVrLe, mumeys, presence ofasbestos inany form. field orders, change orders, designs or 4. "Auto" means m land motor vehicle, trailer or drawings and specifications; nr semi -trailer designed for travel on public (2) Superv|mory, inmpection, architectural roads, including any attached machinery or mrengineering activities. equipment. But "auto" does not include 10. Additional Insured — Co -Owner Of Insured "mobi!e equipment". Premises 5. "Bodily injury" means physical: WHO IS AN INSURED under Section C. is a. Injury; amended to include as an additional insured b. Sickness;nr the person(s) or0rganizmtion(a) shown in the Declarations as an Additional Insured — Co- ^ c Disease Owner Of Insured Pnamisep, but only with sustained byaperson and, ifarising out mfthe respect to their liability as co-owner of the above, mental anguish ordeath adany time, premises shown inthe Declarations. 6. "Coverage territory" means: Page 20mf 24 Form SS00080405 „�.•.r� EVANS-1 OP ID: KE CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) 03/20/2019 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 707-874-2666 I CONTACT Kirsten Edwards NAME: Gene Gaffney Ins Services, Inc i PHONE 707-874-2666 A/c, No):707-874-1233 P.O. BOX 428 (A/C, No, Ext): Occidental, CA 95465 I E-MAIL kirsten@gaffneyins.com ADDRESS: Fawn Nekton INSURER(Sl AFFORDING COVERAGE NAIC # INSURER A : Hartford Casualty Ins. Co. 29424 INSURED INSURER B : RLI Insurance Group 13066 Evans & DeShazo, Inc. Attn: Sally Evans wy INSURER C : Sebastopol, CA 95472. S INSURER D INSURER E : 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. ADDL SUER POLICY EFF ' POLICY EXP LIMITS I�TR TYPE OF INSURANCE INSD WVI� POLICY NUMBER ;MM/Dp/YYYY) (MMIPPIYYYY) A X COMMERCIAL GENERAL LIABILITY I` EACH OCCURRENCE $ 2'000'000 CLAIMS -MADE OCCUR X 57SBMBH7623 04/20/2019 04/20/2020 I PREMISES RENTED rrrence) $ 1,000,000 10 000 MED EXP (Any one person) $ ' PERSONAL & ADV INJURY $ 2,000,000 GENERAL AGGREGATE $ 4,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: X POLICY H PROJECT - H LOC I PRODUCTS - COMP/OP AGG $ 4,000,000 OTHER: $ SINGLE LIMIT $ 2,000,000 A AUTOMOBILE LIABILITY (Ea accidentED 04/20/2019 04/20/2020 INJURY $ ANY AUTO 57SBMBH7623 OUTE i SCHEDULED BODILY (Per person) ` BODILY INJURY (Per accident) $ _ ONLY X HIRED X NON -OWNED PROPERTY DAMAGE (ccident) $ Per a AUTOS ONLY AUTOS ONLY _ UMBRELLA LIAB OCCUR H EACH OCCURRENCE $ I EXCESS LIAB CLAIMS -MADE AGGREGATE $ I I RETENTION $ $ DED _ I STH ATUTE I I ER WORKERS COMPENSATION AND EMPLOYERS' LIABILITY IN Y❑ I EACH ACCIDENT $ ANY PROPRIETOR/PARTNER/EXECUTIVE NH) EXCLUDED? N / A E.L. E.L. DISEASE - EA EMPLOYEE $ (MandatoryFIMin If yes, describe under DESCRIPTION OF OPERATIONS below RTP0006077 E.L. DISEASE - POLICY LIMIT $ 08/06/2017 0$/06/2019 Aggregate 2,000,000 g Professional Liab. Each Occ. 2,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) ArcheaeologX & Historic Preservation Consultants The City of Gilroy, its Officers, Officials, and Enplo ees are named as Additional Insureds per attached policy form SS00080405. CERTIFICATE HOLDER City of Gilroy, its officers, officals and employees 7361 Rosanna Street Gilroy, CA 95020 I ACORD 25 (2016103) 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. AUTHORIZED REPRESENTATIVE ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD F. OPTIONAL ADDITIONAL INSURED COVERAGES If listed or shown as applicable in the Declarations, one or more of the following Optional Additional Insured Coverages also apply. When any of these Optional Additional Insured Coverages apply, Paragraph 6. (Additional Insureds When Required by Written Contract, Written Agreement or Permit) of Section C., Who Is An Insured, does not apply to the person or organization shown in the Declarations. These coverages are subject to the terms and conditions applicable to Business Liability Coverage in this policy, except as provided below: 1. Additional Insured - Designated Person Or Organization WHO IS AN INSURED under Section amended to include as an additional insured the person(s) or organization(s) shown in the Declarations, but only with respect to liability for "bodily injury", "property damage" or 11personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: a. In the performance of your ongoing operations; or b. In connection with your premises owned by or rented to you. 2. Additional Insured - Managers Or Lessors Of Premises a. WHO IS AN INSURED under Section amended to include as an additional insured the person(s) or organization(s) shown in the Declarations as an Additional Insured - Designated Person Or Organization; but only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to you and shown in the Declarations. b. With respect to the insurance afforded to these additional insureds, the following additional exclusions apply: This insurance does not apply to: (1) Any "occurrence" which takes place after you cease to be a tenant in that premises; or (2) Structural alterations, new construction or demolition operations performed by or on behalf of such, person or organization. 3. Additional Insured - Grantor Of Franchise WHO IS AN INSURED under Section C. is amended to include as an additional insured the person(s) or organization(s) shown in the Declarations as an Additional Insured - Grantor Of Franchise, but only with respect to their liability as grantor of franchise to you. 4, Additional Insured - Lessor Of Leased Equipment a. WHO IS AN INSURED under Section amended to include as an additional insured the person(s) or organization(s) shown in the Declarations as an Additional Insured — Lessor of Leased Equipment, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your maintenance, operation or use of equipment leased to you by such person(s) or organization (s). b. With respect to the insurance afforded to these additional insureds, this insurance does not apply to any "occurrence" which takes place after you cease to lease that equipment. 6. Additional Insured - Owners Or Other Interests From Whom Land Has Been Leased a. WHO IS AN INSURED under Section C. i amended to include as an addition insured the person(s) or organization( shown in the Declarations as an Addition Insured — Owners Or Other Interests Fro Whom Land Has Been Leased, but onl with respect to liability arising out of th ownership, maintenance or use of that pa of the land leased to you and shown in th Declarations. b. With respect to the insurance afforded these additional insureds, the followi additional exclusions apply: This insurance does not apply to: (1) Any "occurrence" that takes pla-m- after you cease to lease that land; orl (2) Structural alterations, new construction or demolition operations performed by or on behalf of such person or organization. 6. Additional Insured - State Or Political Subdivision — Permits a. WHO IS AN INSURED under Section amended to include as an additional insured the state or political subdivision shown in the Declarations as an Additional =1 �= Insured — State Or Political Subdivision - (e) Any failure to make such Permits, but only with respect to inspections, adjustments, tests or operations performed by you or on your servicing as the vendor has agreed behalf for which the state or political to make or normally undertakes to subdivision has issued a permit. make in the usual course of b. With respect to the insurance afforded to business, in connection with the these additional insureds, the following distribution or sale of the products, additional exclusions apply: (f) Demonstration, installation, This insurance does not apply to: servicing or repair operations, except such operations performed (1) "Bodily injury", "property damage" or at the vendor's premises in 11personal and advertising injury" connection with the sale of the arising out of operations performed for product; the state or municipality; or (g) Products which, after distribution (2) "Bodily injury" or "property damage" or sale by you, have been labeled included in the "product -completed or relabeled or used as a operations" hazard. container, part or ingredient of any 7. Additional Insured —Vendors other thing or substance by or for a. WHO IS AN INSURED under Section C. is the vendor; or amended to include as an additional (h) "Bodily i nj u ry" or "property insured the person(s) or organization(s) damage" arising out of the sole (referred to below as vendor) shown in the negligence of the vendor for its Declarations as an Additional Insured - own acts or omissions or those of Vendor, but only with respect to "bodily its employees or anyone else injury" or "property damage" arising out of acting on its behalf. However, this "your products" which are distributed or exclusion does not apply to: sold in the regular course of the vendor's (i) The exceptions contained in business and only if this Coverage Part Subparagraphs (d) or (f); or provides coverage for "bodily injury" or "property (iii) Such inspections, damage" included within the "products -completed operations hazard". adjustments, tests or servicing as the vendor has agreed to b. The insurance afforded to the vendor is make or normally undertakes subject to the following additional exclusions: to make in the usual course of (1) This insurance does not apply to: business, in connection with (a) "Bodily injury" or "property the distribution or sale of the damage" for which the vendor is products. obligated to pay damages by (2) This insurance does not apply to any reason of the assumption of insured person or organization from liability in a contract or agreement. whom you have acquired such This exclusion does not apply to products, or any ingredient, part or liability for damages that the container, entering into, vendor would have in the absence accompanying or containing such of the contract or agreement; products. M Any express warranty 8. Additional Insured — Controlling Interest unauthorized by you; WHO IS AN INSURED under Section C. is (c) Any physical or chemical change amended to include as an additional insured in the product made intentionally the person(s) or organization(s) shown in the by the vendor; Declarations as an Additional Insured — (d) Repackaging, unless unpacked Controlling Interest, but only with respect to solely for the purpose of inspection, their liability arising out of: demonstration, testing, or the a. Their financial control of you; or substitution of parts under b. Premises they own, maintain or control instructions from the manufacturer, while you lease or occupy these premises. and then repackaged in the original container; Form SS 00 08 04 05 Page 19 of 24 This insurance does not apply to structural The limits of insurance that apply to additional alterations, new construction and demolition insureds are described in Section D. — Limits Of operations performed by or for that person or Insurance. organization. How this insurance applies when other insurance 9. Additional Insured — Owners, Lessees Or is available to an additional insured is described in Contractors — Scheduled Person Or the Other Insurance Condition in Section E. — Organization Liability And Medical Expenses General a. WHO IS AN INSURED under Section C. is Conditions, amended to include as an additional G. LIABILITY AND MEDICAL EXPENSES insured the person(s) or organization(s) DEFINITIONS shown in the Declarations as an Additional Insured — Owner, Lessees Or Contractors, I "Advertisement" means the widespread public but only with respect to liability for "bodily dissemination of information or images that injury", "property damage" or "personal has the purpose of inducing the sale of goods, and advertising injury" caused, in whole or products or services through: in part, by your acts or omissions or the a. (1) Radio; acts or omissions of those acting on your (2) Television; behalf: (3) Billboard; (1) In the performance of your ongoing (4) Magazine; operations for the additional insured(s); or (5) Newspaper; (2) In connection with "your work" b. The Internet, but only that part of a web performed for that additional insured site that is about goods, products or and included within the "products- services for the purposes of inducing the completed operations hazard", but sale of goods, products or services; or only if this Coverage Part provides c. Any other publication that is given coverage for "bodily injury" or widespread public distribution, "property damage" included within the However, "advertisement" does not include: "products -completed operations hazard". a. The design, printed material, information b. With respect to the insurance afforded to or images contained in, on or upon the packaging or labeling of any goods or these additional insureds, this insurance products; or does not apply to "bodily injury", "property damage" or "personal an advertising b. An interactive conversation between or injury" arising out of the rendering of, or among persons through a computer network. the failure to render, any professional 2. "Advertising idea" means any idea for an architectural, engineering or surveying ""advertisement"'. services, including: 3. "Asbestos hazard" means an exposure or (1) The preparing, approving, or failure to threat of exposure to the actual or alleged prepare or approve, maps, shop properties of asbestos and includes the mere drawings, opinions, reports, surveys, presence of asbestos in any form. field orders, change orders, designs or 4. "Auto" means a land motor vehicle, trailer or drawings and specifications; or semi -trailer designed for travel on public (2) Supervisory, inspection, architectural roads, including any attached machinery or or engineering activities. equipment. But "auto" does not include 10. Additional Insured — Co -Owner Of Insured "mobile equipment". Premises 5. "Bodily injury" means physical: WHO IS AN INSURED under Section C. is a. Injury; amended to include as an additional insured b. Sickness; or the person(s) or Organization(s) shown in the Declarations as an Additional Insured — Co - c. Disease Owner Of Insured Premises, but only with sustained by a person and, if arising out of the respect to their liability as co-owner of the above, mental anguish or death at any time. premises shown in the Declarations. 6. '"Coverage territory" means: Page 20 of 24 Form SS 00 08 04 05