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HomeMy WebLinkAbout2015-366-E HR - Gallagher Benefit Services for consulting services $105,000 DocuSign Envelope ID:95F765C9-AE95-41C0-9136-42808BDB92C8 [Departmental Use Only] Title Gallagher Contract FY 2015-16 NORTH CAROLINA CONSULTING SERVICES AGREEMENT -RFP- OVER $90,000 OR BOARD CONSULTANT ORANGE COUNTY This Agreement, made and entered into this 4th day of March, 2015, ("Effective Date") by and between Orange County, North Carolina a body politic and corporate of the State of North Carolina (hereinafter, the "County") and Gallagher Benefit Services, Inc., (hereinafter, the "Consultant"). WITNESSETH: That the County and Consultant, for the consideration herein named, do hereby agree as follows: ARTICLE 1 SCOPE OF WORK 1.1 Scope of Work 1.1.1 This Services Agreement ("Agreement") is for professional consulting services to be rendered by Consultant to County with respect to (insert Project description) services of Broker of Record to consult with the County in the management of its employee benefit programs and to assist the County with strategically planning, designing, and negotiationg the best coverage and cost for selective employee benefit programs which may include, but are not limited to health, dental, vision, and other voluntary programs for employees and retirees. 1.1.2 By executing this Agreement, the Consultant represents and agrees that Consultant is qualified to perform and fully capable of performing and providing the services required or necessary under this Agreement in a fully competent,professional and timely manner. 1.1.3 Time is of the essence with respect to this Agreement. 1.1.4 The services to be performed under this Agreement consist of Basic Services, as described and designated in Article 3 hereof. Compensation to the Consultant for Basic Services under this Agreement shall be as set forth herein. ARTICLE 2 RESPONSIBILITIES OF THE CONSULTANT 2.1 Services to be Provided. The Consultant shall provide the County with all services required in Article 3 to satisfactorily complete the Project within the time limitations set forth herein and in accordance with the highest professional standards. 2.2. Standard of Care Revised 10/14 1 DocuSign Envelope ID:95F765C9-AE95-41C0-9136-42808BDB92C8 2.2.1 The Consultant shall exercise reasonable care and diligence in performing services under this Agreement in accordance with the highest generally accepted standards of this type of Consultant practice throughout the United States and in accordance with applicable federal, state and local laws and regulations applicable to the performance of these services. Consultant is solely responsible for the professional quality, accuracy and timely completion and submission of all reports, drawings, specifications, plans, documents, and services (hereinafter "Deliverables")related to the Basic Services. 2.2.2 The Consultant shall be responsible for all errors or omissions in the deliverables prepared by the Consultant. 2.2.3 The Consultant shall correct at no additional cost to the County any and all errors, omissions, discrepancies, ambiguities, mistakes or conflicts in any Deliverables prepared by the Consultant. 2.2.4 The Consultant shall assure that all Deliverables prepared by it hereunder are in accordance with applicable laws, statutes, and that any necessary or appropriate applications for approvals are submitted to federal, state and local governments or agencies in a timely manner so as not to delay the Project. 2.2.5 The Consultant shall not, except as otherwise provided for in this Agreement, subcontract the performance of any work under this Agreement without prior written permission of the County. No permission for subcontracting shall create, between the County and the subcontractor, any contract or any other relationship. 2.2.6 Any and all employees of the Consultant engaged by the Consultant in the performance of any work or services required of the Consultant under this Agreement, shall be considered employees or agents of the Consultant only and not of the County, and any and all claims that may or might arise under any workers compensation or other law or contract on behalf of said employees while so engaged shall be the sole obligation and responsibility of the Consultant. 2.2.7 Consultant agrees that Consultant and its subcontractors, if any, shall be required to comply with all federal, state and local anti-discrimination laws, regulations and policies that relate to the performance of Consultant's services under this Agreement. 2.2.8 If activities related to the performance of this agreement require specific licenses, certifications, or related credentials Consultant represents that it and/or its employees, agents and subcontractors engaged in such activities possess such licenses, certifications, or credentials and that such licenses certifications, or credentials are current, active, and not in a state of suspension or revocation. ARTICLE 3 BASIC SERVICES 3.1 Basic Services 3.1.1 The Consultant shall perform as Basic Services the work and services described herein and as specified in the County's "RFP Number 5208 for Employee Benefits Broker (the "RFP")" issued November 12, 2014, and Exhibit A, Scope of Services. Revised 10/14 2 DocuSign Envelope ID:95F765C9-AE95-41C0-9136-42808BDB92C8 3.1.2 The Basic Services will be performed by the Consultant as set out in Exhibit A, Scope of Services. ARTICLE 4 DURATION OF SERVICES 4.1 Scheduling of Services 4.1.1 The Consultant shall schedule and perform its activities in a timely manner. 4.1.2 Should the County determine that the Consultant is behind schedule, it may require the Consultant to expedite and accelerate its efforts, including providing additional resources and working overtime, as necessary, to perform its services in accordance with the approved project schedule at no additional cost to the County. 4.1.3 The Commencement Date for the Consultant's Basic Services shall be March 4, 2015. ARTICLE 5 COMPENSATION 5.1 Compensation for Basic Services and Web Enrollment 5.1.1 Compensation for Basic Services shall include all compensation due the Consultant from the County for all services under this Agreement except for any authorized Reimbursable Expenses which are defined herein. The maximum amount payable for Basic Services shall not exceed one hundred five thousand dollars and 00/100 cents ($105,000.00) annually. A portion of the amount payable for basic services shall be in the form of commissions earned from all insurance carriers, procured by consultant, providing services to Orange County as shown in Exhibit B. Payment for Basic Services shall become due and payable in direct proportion to satisfactory services performed and work accomplished. Consultant shall, once per month, submit a verifiable invoice to County. The verifiable invoice shall show all commissions earned by Consultant for its work and shall show which carrier provided such commissions. Upon receipt of the verifiable invoice and after calculating the commission amount earned by Consultant Orange County shall pay to Consultant eight thousand seven hundred fifty dollars ($8,750.00)less the full amount of commissions earned. 5.1.2 In addition to Basic Services Consultant shall implement a web enrollment system for the purpose of assisting County's employees with online insurance enrollment. The fee for creation, maintenance, application, and implementation of this web enrollment system shall not exceed a one-time maximum fee of seven thousand dollars ($7,000.00). This fee will be invoiced separately from any and all fees sought pursuant to subsection 5.1.1. ARTICLE 6 RESPONSIBILITIES OF THE COUNTY 6.1 Cooperation and Coordination 6.1.1 The County has designated Brenda Bartholomew, Human Resources Director to act as the County's representative with respect to the Project and shall have the authority to render decisions within guidelines established by the County Manager and the County Board of Revised 10/14 3 DocuSign Envelope ID:95F765C9-AE95-41C0-9136-42808BDB92C8 Commissioners and shall be available during working hours as often as may be reasonably required to render decisions and to furnish information. 6.1.2 The County shall be solely responsible for determining whether Consultant has satisfactorily completed tasks. It is agreed that County shall not unreasonably withhold its determination of satisfactory completion of any task. In the event the amount of an invoice is disputed County may withhold payment until the dispute is resolved by the parties. County may also withhold payment on an invoice until the satisfactory completion of designated tasks by Consultant. ARTICLE 7 INSURANCE AND INDEMNITY 7.1 General Requirements 7.1.1 Consultant shall obtain, at its sole expense, Commercial General Liability Insurance, Automobile Insurance, Workers' Compensation Insurance, Professional Liability Insurance, and any additional insurance as may be required by Owner's Risk Manager as such insurance requirements are described in the Orange County Risk Transfer Policy (Policy) and Orange County Minimum Insurance Coverage Requirements (Requirements) (each document is incorporated herein by reference and may be viewed at httD:Horan eg countvnc.gov/Durchasin�a,/contracts.asp). If Owner's Risk Manager determines additional insurance coverage is required such additional insurance requirements shall control in any direct conflict with the terms of the Policy and Requirements and shall be designated here: Commercial General Liability with minimum limits of $1Million/$2 Million, Automobile Liability with minimum limits of $1Million/$2 Million, Workers' Compensation Insurance with statutory limits, EPL with minimum limits of $1 Million/$1 Million/$1 Million, Professional Liability with minimum limits of $5 Million, Umbrella Liability with minimum limits of $4 Million, First and Third Party Cyber Liability with minimum limits of$5 Million. Cancelled or non-renewed policies will be replaced with no coverage gM and current Certificate of Insurance provided, other notice shall not be required for material changes in aggregate limits. County shall be named as additional insured on Commercial Liability Insurance Policy only. All terms referenced in this paragraph are understood to have the same meaning as those terms are generally understood in the insurance industry_ 7.2 Indemnity and Limitation 7.2.1 The Consultant agrees to indemnify and hold harmless the County from all loss, liability, claims or expense, including attorney's fees, arising out of or related to the Project and arising from bodily injury including death or property damage to any person or persons caused in whole or in part by the negligence or misconduct of the Consultant except to the extent same are caused by the negligence or willful misconduct of the County. It is the intent of this provision to require the Consultant to indemnify the County to the fullest extent permitted under North Carolina law. 7.2.2 Notwithstanding any other term or provision of this Agreement, each party shall only be liable for actual damages incurred by the other party, and shall not be liable for any indirect, consequential or punitive damages. Furthermore, the aggregate liability under this Agreement, if any, of either party to the other for claimed losses or damages shall not exceed $20,000,000. This provision applies to the fullest extent permitted by applicable law. Revised 10/14 4 DocuSign Envelope ID:95F765C9-AE95-41C0-9136-42808BDB92C8 ARTICLE 8 AMENDMENTS TO THE AGREEMENT 8.1 Changes in Basic Services 8.1.1 Changes in the Basic Services and entitlement to additional compensation or a change in duration of this Agreement shall be made by a written Amendment to this Agreement executed by the County and the Consultant. The Consultant shall proceed to perform the Services required by the Amendment only after receiving a fully executed Amendment from the County. ARTICLE 9 TERMINATION 9.1 Termination for Convenience of the County 9.1.1 This Agreement may be terminated without cause by the County and for its convenience upon seven (7) days prior written notice to the Consultant. 9.2 Other Termination 9.2.1 The Consultant may terminate this Agreement for cause based upon the County's material breach of this Agreement; provided, the County has not taken all reasonable actions to remedy the breach. The Consultant shall give the County seven (7) days' prior written notice of its intent to terminate this Agreement for cause and describe with particularity the nature of the alleged material breach after which County shall have fifteen (15) days to cure said material breach. 9.3 Compensation After Termination 9.3.1 In the event of termination, the Consultant shall be paid that portion of the fees and expenses that it has earned to the date of termination, less any costs or expenses incurred or anticipated to be incurred by the County due to errors or omissions of the Consultant. 9.3.2 Should this Agreement be terminated, the Consultant shall deliver to the County within seven (7) days, at no additional cost, all Deliverables including any electronic data or files relating to the Project. 9.4 Waiver 9.4.1 The payment of any sums by the County under this Agreement or the failure of the County to require compliance by the Consultant with any provisions of this Agreement or the waiver by the County of any breach of this Agreement shall not constitute a waiver of any claim for damages by the County for any breach of this Agreement or a waiver of any other required compliance with this Agreement. ARTICLE 10 ADDITIONAL PROVISIONS 10.1 Relationship of Parties Revised 10/14 5 DocuSign Envelope ID:95F765C9-AE95-41C0-9136-42808BDB92C8 10.1.1 Consultant is an independent contractor of the County. Neither Consultant nor any employee of the Consultant shall be deemed an officer, employee or agent of the County. Consultant's personnel shall not be employees of, or have any contractual relationship with the County. 10.2 Limitation and Assignment 10.2.1 The County and the Consultant each bind themselves, their successors, assigns and legal representatives to the terms of this Agreement. Neither the County nor the Consultant shall assign or transfer its interest in this Agreement without the written consent of the other. 10.3 Governing Law 10.3.1 This Agreement and the duties, responsibilities, obligations and rights of respective parties hereunder shall be governed by the laws of the State of North Carolina. Consultant shall at all times remain in compliance with all applicable local, state, and federal laws, rules, and regulations including but not limited to all anti-discrimination laws. Pursuant to the terms of North Carolina General Statute 153A-449(b) no county may enter into a contract with a contractor unless the contractor and the contractor's subcontractors comply with the requirements of Article 2 of Chapter 64 of the North Carolina General Statutes. Where applicable, failure to maintain compliance with the requirements of Article 2 of Chapter 64 of the General Statutes constitutes Consultant's breach of this Agreement. By executing this Agreement Consultant affirms Consultant is in compliance with Article 2 of Chapter 64 of the North Carolina General Statutes. 10.4 Dispute Resolution 10.4.1 Any and all suits or actions to enforce, interpret or seek damages with respect to any provision of, or the performance or non-performance of, this Agreement shall be brought in the General Court of Justice of North Carolina sitting in Orange County, North Carolina and it is agreed by the parties that no other court shall have jurisdiction or venue with respect to such suits or actions. The Parties may agree to nonbinding mediation of any dispute prior to the bringing of such suit or action. 10.5 Extent of Agreement 10.5.1 This Agreement, together with the Request for Proposals together with attachments distributed by the County and the Scope of Services, all of which constitute the Contract Documents, represents the entire and integrated agreement between the County and the Consultant and supersedes all prior negotiations, representations or agreements, either written or oral. In the event of a conflict among the terms of the Contract Documents, the priority of documents shall be this Agreement, the County's Request for Proposals, attachments to the County's Request for Proposals, and Exhibit A the Scope of Services. This Agreement may be amended only by written instrument signed by both parties. Modifications may be evidenced by facsimile signatures. 10.6 Severability Revised 10/14 6 DocuSign Envelope ID:95F765C9-AE95-41C0-9136-42808BDB92C8 10.6.1 If any provision of this Agreement is held as a matter of law to be unenforceable, the remainder of this Agreement shall be valid and binding upon the Parties. 10.7 Ownership of Deliverables 10.7.1 All Deliverables created exclusively for the sole benefit of the County (excluding any pre-existing materials), together with all supporting materials, source documentation, data collected, field notes, and working drafts, developed in the performance of this Agreement shall become the property of the County and may be used on any other project without additional compensation to the Consultant. The use of the Deliverables by the County or by any person or entity for any purpose other than the Project as set forth in this Agreement shall be at the full risk of the County. 10.8 Non-Appropriation 10.8.1 Consultant acknowledges that County is a governmental entity, and the validity of this Agreement is based upon the availability of public funding under the authority of its statutory mandate. In the event that public funds are unavailable and not appropriated for the performance of County's obligations under this Agreement, then this Agreement shall automatically expire without penalty to County immediately upon written notice to Consultant of the unavailability and non-appropriation of public funds. Consultant will be paid for satisfactorily completed work up until the date it receives notice of non-appropriation or until the termination date listed in such notice, whichever is later. It is expressly agreed that County shall not activate this non- appropriation provision for its convenience or to circumvent the requirements of this Agreement, but only as an emergency fiscal measure during a substantial fiscal crisis. In the event of a change in the County's statutory authority, mandate and/or mandated functions, by state and/or federal legislative or regulatory action, which adversely affects County's authority to continue its obligations under this Agreement, then this Agreement shall automatically terminate without penalty to County upon written notice to Consultant of such limitation or change in County's legal authority. 10.9 Notices and Signatures 10.9.1 This Agreement together with any amendments or modifications may be executed electronically. All electronic signatures affixed hereto evidence the intent of the Parties to comply with Article 11 A and Article 40 of North Carolina General Statute Chapter 66. 10.9.2 Any notice required by this Agreement shall be in writing and delivered by certified or registered mail, return receipt requested to the following: Orange County Consultant's Name& Address Attention: Brenda Bartholomew Gallagher Benefit Services, Inc. P.O. Box 8181 Attn: Eric Black Hillsborough, NC 27278 4064 Colony Road, Suite 450 Charlotte, NC 28211 Revised 10/14 7 DocuSign Envelope ID:95F765C9-AE95-41C0-9136-42808BDB92C8 10.10. Priority of Contract Documents 10.10.1 The Contract Documents consist of this Agreement and Attachments, the Request for Proposals, and the Proposal. The Contract Documents form the Contract. In the event of any inconsistency between or among the Contract Documents the Contract Documents shall be interpreted in the following order of priority: This Agreement with Attachments; the Request for Proposals and addenda thereto and the Proposal with Attachments. [SIGNATURE PAGE TO FOLLOW] Revised 10/14 8 DocuSign Envelope ID:95F765C9-AE95-41C0-9136-42808BDB92C8 IN WITNESS WHEREOF, the Parties, by and through their authorized agents, have hereunder set their hands and seal, all as of the day and year first above written. ORANGE COUNTY: CONSULTANT: DocuSigned by: DocuSigned by: By: b6VU tt, �A��vS� B fyi6 OFB 1... nF'�Z994BZ55F7ZZ J Bonnie Hammersley, Manager Eric Black, Area Vice President Orange County Printed Name and Title Revised 10/14 9 DocuSign Envelope ID:95F765C9-AE95-41C0-9136-42808BDB92C8 EXHIBIT A SCOPE OF SERVICES Subject to any changes and additions as may be mutually agreed by the parties in writing, availability and delivery of data from the insurance carrier and other third party vendors, Gallagher will provide the following services: CONSULTING SERVICES PROVIDED ON AN"AS NEEDED" BASIS RENEWAL ANALYSIS: Review and evaluate carrier projections — Prepare "shadow"renewal projection Create financial modeling reports using proprietary Apex software Coordinate carrier negotiations Create employee contribution modeling reports Review identified benchmarks of projected plan costs Develop"working"rates for Client analysis and approval Assist with budget projections Provide renewal alternatives with cost impact of benefit plan changes PERIODIC PLAN FINANCIAL REPORTS: (FREQUENCY TO BE MUTUALLY AGREED UPON) Summary of plan costs Analysis of actual vs. budget Employee contributions Large claims tracking Identification of costs for specific line of coverage Comparison of plan costs to aggregate stop-loss projections,if applicable Utilization review Comparison to prior claim period Plan trends ANNUAL FINANCIAL REPORTS(END OF YEAR ACCOUNTING): Executive summary of program expenses Comparison of current costs to renewal costs Incurred But Not Reported(IBNR) claims analysis Overview of specific Stop-loss projections Future plan costs projections Dollars saved by contract negotiation Percent of benefit dollars paid by employee Claims by size Physician visit details Benefits paid by type of service — Plan funding/budget comparison Fixed expense comparison LEGISLATIVE AND CORPORATE COMPLIANCE SUPPORT: Provide legislative updates, including Technical Bulletins and Directions newsletters Evaluate plan design to assist with compliance with state and federal regulations Review benefit plan documents, including summary plan descriptions, contracts, employee summaries, and policies/procedures DocuSign Envelope ID:95F765C9-AE95-41C0-9136-42808BDB92C8 Conduct periodic seminars on regulatory issues Assist with the review and evaluation of COBRA and HIPAA compliance procedures L l Provide general information and guidance to assist with compliance with ERISA, FMLA,USERRA, Medicare Part D and other Federal legislation that directly affects the administration of plan benefits Provide template or sample compliance notices, certificates of creditable coverage and enrollment forms as reasonably requested by Client CARRIER MARKETING AND NEGOTIATIONS,AS DIRECTED BY CLIENT: Work with Client to develop a strategy to identify goals, analyze program costs and review both current and alternative funding arrangements Manage the renewal process with the current carrier to control costs Implement carrier renewal strategies with Client Develop timeline covering every aspect from RFP preparation to the delivery of employee communications Provide analysis of employee disruption report and preparation of geo-access report Provide analysis of discounts offered by various carriers by using CPT codes and carrier pricing data Manage RFP development that tailors the RFP to the desires,needs and financial directions provided by Client Explore alternative funding solutions Evaluate vendor responses to track variations in coverage and costs as they are identified Conduct finalist interviews to investigate and document intangibles such as personalities, service orientation and responsiveness Draft renewal analysis report,based on renewal negotiation, covers program and claims cost projections as well as complete information on benefit designs Facilitate decision process by coordinating close collaboration and discussions among the Gallagher team and Client DAY TO DAY ADMINISTRATIVE ASSISTANCE EMPLOYEE EDUCATION PROGRAMS: Monthly benefit communication directed to employees Educational meetings on coverage and trends COMMUNICATION MATERIALS: Assist with the drafting and distribution of participant Satisfaction Surveys Assist with the drafting and distribution of Open Enrollment-New Member Orientation summary information and any other communications pertaining to the health and welfare program Provide annual open enrollment guidance and employee meeting materials Assist with marketing and oversight of Customized Enrollment Materials Assist with participant wellness initiatives, as directed by Client BENEFIT ADMINISTRATION ASSESSMENT: Periodic evaluation of internal plan enrollment and benefit termination processes Review, coordinate and implement Client agreed upon plan"best practices"to help limit plan liability and increase participant satisfaction Help identify opportunities for streamlining and improving administration procedures MARKET BENCHMARKING STUDIES: — Local Area Surveys Industry Surveys DocuSign Envelope ID:95F765C9-AE95-41C0-9136-42808BDB92C8 BENEFIT PLAN DESIGN(OR REDESIGN : Help Client identify business and HR objectives that impact benefits Review with Client possible benefit strategies to meet their objectives Help Client evaluate/review current scope of benefits package— e.g., types &levels of coverage Work with Client to develop funding and contribution strategies Assist with budget projections for design alternatives COORDINATE AND MANAGE FSA VENDOR SERVICES': LJ Gather information and assist Client with accessing and using the FSA vendor services. LJ Serve as the primary liaison between Client and FSA Vendor to help Client manage FSA services. LJ Gallagher shall coordinate the payment on behalf of the Client of all uncontested and properly documented fees associated with the FSA services as outlined in the contract between the Client and FSA vendor from commissions received by Gallagher. (This duty terminates immediately upon the termination of this Agreement or the contract between the Client and FSA vendor and Client shall reimburse Gallagher for any and all reasonable expenses incurred on its behalf by Gallagher with FSA vendor if such expenses are incurred after the termination of the broker of record status of Gallagher.) LJ Gallagher and the Client mutually agree that Gallagher shall not be liable for services to be provided by FSA vendor. *FSA Administrative Fee is as follows: -April 1, 2015 through September 2015 (3 months active and 3 months run-out administration): $7.00 per participating employee per month payable to Tucker Administrators. Estimated monthly fee is $938 based on current enrollment of 134 participants. -July], 2015 through March 31, 2016: $4.50 per participating employee per month. Estimated monthly fee is $603 based on current enrollment of 134 participants. DocuSign Envelope ID:95F765C9-AE95-41C0-9136-42808BDB92C8 AC 08/25/2 01 CERTIFICATE OF LIABILITY INSURANCE DATE2 /Y4 5/24 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 holder in lieu of such endorsement(s). PRODUCER 1-312-704-0100 CONTACT NAME: Arthur J. Gallagher Risk Management Services, Inc. PHONE FAX A/C No Ext: A/C No)7 300 South Riverside Plaza E-MAIL Chi g Certificates @a com ADDRESS: J Suite 1900 Chicago, IL 60606 INSURER(S)AFFORDING COVERAGE NAIC# Direct all inquires to email INSURERA: LEXINGTON INS CO 19437 INSURED INSURER B: XL SPECIALTY INS CO 37885 Arthur J. Gallagher & Co., including Gallagher Benefit Services, Inc. INSURER C: The Gallagher Centre INSURER D: Two Pierce Place Itasca, IL 60143 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: 41150803 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 TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR INSR WVD POLICY NUMBER MM/DD/YYYY MM/DD/YYYY GENERAL LIABILITY EACH OCCURRENCE $ DAMAGE TO RENTED COMMERCIAL GENERAL LIABILITY PREMISES Ea occurrence $ CLAIMS-MADE 1:1 OCCUR MED EXP(Any one person) $ PERSONAL&ADV INJURY $ GENERAL AGGREGATE $ GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS-COMP/OP AGG $ POLICY PRO LOC $ JECT AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident $ ANY AUTO BODILY INJURY(Per person) $ ALLOWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS AUTOS NON-OWNED PROPERTY DAMAGE $ HIRED AUTOS AUTOS Per accident UMBRELLA LIAB OCCUR EACH OCCURRENCE $ EXCESS LIAB CLAIMS-MADE AGGREGATE $ DED RETENTION$ $ WORKERS COMPENSATION WC STATU- OTH- AND EMPLOYERS'LIABILITY Y/N TORY LIMITS ER ANY PROPRIETOR/PARTNER/EXECUTIVE❑ N/A E.L.EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ A Errors & Omissions 015012431 09/01/1 09/01/15 Each Wrongful Act 20,000,000 B (Claims Made) ELU13573314 09/01/1 09/01/15 Aggregate 20,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (Attach ACORD 101,Additional Remarks Schedule,if more space is required) All employees are included as Named Insureds under the Errors & Omissions coverage as evidenced herein. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE ©1988-2010 ACORD CORPORATION. All rights reserved. ACORD 25(2010105) The ACORD name and logo are registered marks of ACORD lavanyachi 41150803